Are you kissing your credit union members?

first_img 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Mark Arnold Mark Arnold is an acclaimed speaker, brand expert and strategic planner helping businesses such as credit unions and banks achieve their goals with strategic marketing insights and energized training. Mark … Web: www.markarnold.com Details Now, don’t get too excited. Yes, we do talk a lot about the importance of member engagement, but I am not to the point of advocating full on-the-mouth kissing for members as soon as they walk in the door. By kissing, we refer to the acronym KISS, or “keep it simple, stupid.”In this day and age, keeping it simple for your members is critical. Think about how many choices they have out there. They could go to any of your more traditional competitors like other credit unions, they can seek out loans from pawn shops and fast-cash stores. This isn’t even to mention the rapid rise of online-only financial service providers like Simple and Ally. Even McDonald’s is getting into the act, announcing earlier this year an effort to simplify its menu, thus making choices easier and quicker for consumers. If McDonald’s and its 14,000 United States locations are taking notice of this simplification trend, your credit union probably should, as well.Using the McDonald’s litmus test, there are three important points to this KISS principle. We will examine each and how they can apply directly to your credit union’s efforts. Whether we like it or not, credit unions are in the commodity business, providing products and services to consumers, just like fast food restaurants.Operational experience. For fast food restaurants, this means what it is like for staff behind the counter to prepare and present food. For your credit union, this refers to the back-office experience of the products and services you bring to your members. What is it like for your staff to run the various support mechanisms that make your products and services work? Is it easy to do? Do you have way too many checking account options? And what about your marketing materials — are they verbose and confusing? Where can you make things simpler for your members?Member response. Unfortunately for McDonald’s, they ranked dead last in customer response and satisfaction, according to a survey last year from the American Customer Satisfaction Index. Where do you think your credit union ranks? While there are a variety of ways to gauge member satisfaction, perhaps the best is face-to-face. Are you asking your members if things are simple for them in your credit union? Are you asking if there are things you can do (or stop doing) that would make it easier and quicker for them to use you as their primary financial institution?Price points. For fast food restaurants, this is simple. We’re talking about the price of a hamburger and fries. For credit unions, it’s a little more complex. What is your fee structure like? Are you dinging your members to death with dreaded fees? Have you priced your checking account offerings out of the range of most consumers? And what about time of service? How long does it take you to sign up a new member, get a car through the drive-through or turn around a decision on a loan? All these things matter, especially when it comes to helping keep things simple for your members.Of course, our credit unions are not fast food restaurants and not every comparison is a direct correlation. However, as providers of a product and service (financial) for consumers, credit unions can learn a lot about how to keep things simple for their members from the efforts of other retailers.Are you kissing your members today, or just making things more needlessly complicated?last_img read more


first_imgThe following incidents were reported in the USC Dept. of Public Safety incident report summary between Saturday, March 1, and Tuesday, March 4. Crimes against a personat 8:27 p.m. on March 3, a non-USC female reported that an EMT pushed her to prevent her from entering an elevator inside the Keck Hospital of USC. The woman did not report the incident at the time it occurred so DPS officers were not able to question the EMT.at 9:46 p.m. on March 3, a student reported that he was shot twice in the hand with a possible BB gun as he rode his bicycle past a vehicle on Adams Boulevard and Hoover Street. The student said he saw three people in the vehicle but did not see who shot him. The student sustained bruises on the palm of his hand.Crimes against propertyat 11:32 P.m. on March 1, a suspect shattered a garage door window at Alpha Rho Chi by throwing a brick at it.at 8:49 p.m. on March 2, it was reported to DPS that a student found his bicycle to be missing at the Delta Chi fraternity house. The student watched video surveillance and discovered that another student had taken his bicycle. The student pressed no charges and had his bike returned.at 12:10 a.m. on March 4, a suspect cut a hole in the convertible top of a vehicle to remove a pair of sunglasses. The vehicle was parked at 3110 Walton Ave.at 1:44 p.m. on March 4, DPS responded to a student who had injured his ankle while walking down a flight of stairs at the Ethel Percy Andrus Gerontology Center. He was then transported to the Student Health Center for treatment.Miscellaneous incidentsat 8:36 a.m. on March 3, DPS officers responded to Mardi Gras Apartments to speak with a student at his parents’ request. The parents reported that the student was refusing to submit to medical tests recommended by his doctor. The officers cleared the scene after they were unable to transport the student for the tests.at 1:59 a.m. on March 4, DPS officers detained a suspect loitering at the intersection of 28th Street and University Avenue. Officers found that the suspect was in possession of a pipe containing possible methamphetamine and a debit card which a student had reported stolen. The suspect was transported to Metropolitan Detention Center for booking.last_img read more

Further statement expected from IABA today

first_imgChairman of the Irish Sports Council, Kieran Mulvey has said they are likely to review their funding of the I-A-B-A in the wake of Walsh’s departure. The sport’s amateur governing body has received widespread criticism for seemingly not doing enough to keep the head coach of their High Performance Unit.last_img

Grays Harbor Raceway Back To Racing On Saturday September 28th

first_imgFacebook0Tweet0Pin0 Submitted by Ben Deatherage for Grays Harbor RacewayPhoto Courtesy of Jim MarshallGrays Harbor Raceway is back in racing action this weekend after a week off.  The 3/8-mile clay oval will host 360 Sprints, Shipwreck Beads IMCA Modifieds, USAC Ford Focus Midgets, Cut Rate Auto Parts Street Stocks, and Hornets.  It will be the final night of action when it comes to points for all classes as five champions will be crowned at the end of the evening.  This is also the only track in the Pacific Northwest that you can see the breathtaking 360 Sprints shred some clay and the last time they will be at GHR in 2013.Tickets for Saturday will be Adults $13.00, Senior (62+)/Juniors (13-18)/Military $10.00, Youths (6-12) $5.00, Youths (5 and Under) FREE, Family Pass (Two Adults and Up To Four Youths) $30.00, and Premium Seating $20.00. Pit gates open at 2:30, front gates, 4:30, and racing starting around 6:30.A special format will be utilized during the course of the evening.  The top six in points will be locked into a scramble and lined straight up by points.  Those cars will participate in a six lap race which the finish will determine the starting lineup of the front three rows of the feature.  Cars not in the scramble will qualify and they will be lined straight up off of their times behind the first six cars (i.e. fast time of the evening will start seventh in the feature).Don’t forget to make it out for the final race of the year on Saturday October 5th.  This event will feature the Northwest Extreme Sprints, Cut Rate Auto Parts Street Stocks, and Hornets.The Grays Harbor Raceway is known for its high speeds and side by side racing as well as its large track size. Hosting racing action from April to October regular classes include 360 Sprints, IMCA Modifieds, USAC Ford Focus Midgets, Street Stocks, Hornets, and for the first time the Northwest Extreme Winged Sprint Car Series. Special events include visits by the World of Outlaw Sprint Car Series and American Sprint Car Series-Northwest Region. You can keep up on all the latest activity at www.graysharborraceway.com for the most-recent news and stories.Additional InformationTrack: Grays Harbor RacewayLocation: 32 Elma McCleary Road, Elma, WA, 98541Track Contact: (360)-699-RACEWebsite: www.graysharborraceway.comSponsors: Budweiser, Bully Dog Performance, Cut Rate Auto Parts, Harbor Pacific Distributing, Hoosier Racing Tires, Lucky Eagle Casino and Hotel, The Contingency Connection, Lucas Oil Products, Our Community Credit Union, Pepsi, Shipwreck Beads, Whitney’s Auto Group, Elma Chamber of Commerce, Quinault Beach Resort and Casino, Grays Harbor County Fairgrounds, Adamas Reality, Olympic Eagle Distributing, Midnight Cruisers Rod Fest, PNE Corporation, Push Rods, Q-Mart, Midnight Cruisers, Fosses Hot Rods & Cool Cars, Harrington Financial, I-5 Quarter ¼ Midget Club, Jacknut Apparel, 104.7 KDUX FM, KIX 95.3 FM, RockAuto.comlast_img read more

West Kootenay Wildcats blast the boys, taking a pair of games over Nelson house teams

first_imgThe West Kootenay Bantam Wildcats proved the girls can play with the boys.The Cats flexed some offensive power en route to skating away with a pair of convincing weekend victories over the Nelson Bantam House squads in minor hockey action in the Heritage City.West Kootenay blasted Bantam House # 1 6-1 before riding the shutout netminder of Kaslo’s Catalina Hartland for a 4-0 win over Bantam House #2 Sunday at the Nelson Civic Centre.Nelson’s Emma Hare scored twice to back the stellar netminder of Hartland. Jena Wheeldon and Jesse Cooper, both of Nelson, also scored for the victors.Saturday, Paige Gattafoni of Trail scored three times as the Cats blasted Nelson Bantam House #1.Hare, Dakota Mular (Trail) and Julie Sidoni (Trail) also scored for West Kootenay.Brendan Martel scored the lone goal for Nelson Bantam #1.The two wins improve the Cats season to 4-2-1.The West Kootenay Bantam Wildcats is an all-star team with players from Rossland, Trail, Castlegar, Nelson and Kaslo.The team represented the zone at the 2011 B.C. Bantam Female Championships in [email protected]last_img read more

Seaman powers Leafs to Murdoch Division title

first_imgThe Nelson Leafs needed to put in a little overtime en route to the 2013-14 Murdoch Division title.Austin Seaman scored on the power play early in the first overtime to give the Leafs a 2-1 victory Saturday night over the Beaver Valley Nitehawks in Kootenay International Junior Hockey League action in Fruitvale.The goal was the second of the game for the Leaf rookie defenceman.The win clinches the first Murdoch Division title for the Leafs in five years.The Leafs now face the Spokane Braves in the first round of the Murdoch Division playoffs beginning Tuesday in Nelson. Seaman, scoring his seventh and eighth goals of the season, gave Nelson the early lead before Dan Holland replied for the Hawks on the power play.With Beaver Valley controlling the play late in the third period, the hosts were called for a delay of game penalty with 32 seconds remaining.Nelson, 38-9-1-4, carried the man-advantage into the extra time with Seaman driving home the winner.Adam Maida picked up the win in goal for Nelson.Beaver Valley now faces Castlegar Rebels beginning Tuesday in Fruitvale.last_img read more

Ohio Crop Tour I-71 Day Two Video Recap

first_imgShare Facebook Twitter Google + LinkedIn Pinterest Lack of insect pressure and crop quality may allow the first USDA numbers to be closer than previously suspected for 2017 harvest. The crew weighs in on what they say after the second day of the 2017 Ohio Crop Tour.last_img

Varjo emerges from stealth with awesome new VR/AR display

first_imgIt takes a lot of effort to create a solid virtual reality (VR), augmented reality (AR), or mixed reality (MR) experience. The hardware, including the headset and system hosting the experiences, have to be capable of delivering a natural, smooth experience.See also: Ultrahaptics finds deep pockets for its AR/VR techThe Varjo team, which has been operating in stealth mode until now, believes that its 20|20 display will change the game in this emerging space.This new generation of headsets is taking off in a big way. Brands like Sony, HTC, Microsoft, and Oculus are putting a lot of effort into creating immersive virtual/augmented/mixed reality experiences. While these products are certainly a giant leap forward from the “VR” headsets of yesteryear, the visual experience provided by these products isn’t quite good enough to trick the eye.Beats current VR/AR resolutionsProducts such as the Oculus Rift and HTC Vive are offering users a 1.2 megapixel (per eye) VR experience with an up to 110-degree field of view. For over a year, this has been the cutting edge of VR/AR headset displays. Even the PlayStation VR, a headset designed specifically for gaming, is limited to a 1080p resolution.Meta II, a headset currently available for preorders at $949 USD, has an exceptional 2.5k resolution of 2550×1440.In the augmented reality space, we have options like Microsoft’s Hololens, which has a significantly lower field of view (around 32 degrees). The effective resolution for the Hololens is around 1 megapixel.“Varjo’s patented display innovation pushes VR technology 10 years ahead of the current state-of-the-art, where people can experience unprecedented resolution of VR and AR content limited only by the perception of the human eye itself,” said Urho Konttori, CEO and founder of Varjo Technologies. “This technology, along with Varjo VST, jump-starts the immersive computing age overnight – VR is no longer a curiosity, but now can be a professional tool for all industries.”Varjo’s solution up closeWith Varjo 20|20, the company believes it has found a way to create a VR/AR display with an effective resolution of 70 megapixels. That’s a pretty stunning claim.This is huge leap in effective resolution is made possible by some technological magic that takes advantage of the way the human eye perceives visual input. By creating a super-high resolution image to the user’s gaze direction, it’s able to increase the effective resolution of the display.This isn’t just for virtual reality, either. Video-see-through (VST) technology enables the display to be used in AR/MR, as well.The technology behind Varjo’s prototype was developed by a team of optical scientists, creatives and developers who formerly occupied top positions at Microsoft, Nokia, Intel, Nvidia and Rovio.Varjo’s new technology will be shipping in Varjo-branded products specifically for professional users and applications starting in late Q4, 2017. Follow the Puck Ryan Matthew Pierson Tags:#AR#Augmented Reality#HTC#Internet of Things#IoT#Oculus#Varjo#virtual reality#VR Small Business Cybersecurity Threats and How to…center_img Related Posts Why IoT Apps are Eating Device Interfaces Internet of Things Makes it Easier to Steal You…last_img read more

Nocturnal animal Mayweather visits strip club

first_imgUSA Today reported that Mayweather was out at the strip club he owns in Las Vegas — Girl Collection — at 3:30am local time early Thursday after arriving in a white Rolls Royce. FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutoutQuoted by the newspaper, Mayweather insisted his nocturnal activities would not interfere with his preparations for Saturday’s fight against mixed martial star McGregor. The boxer, who retired from the sport in 2015 with a perfect 49-0 record, is the overwhelming favorite to defeat McGregor when the two men clash at the T-Mobile Arena on Saturday.  MOST READ “Nobody can beat me,” Mayweather told the paper. USA Today said Mayweather greeted patrons at the club before retiring to a VIP section with four dancers. He told the paper he had decided to open a strip club when he was serving a two-month prison sentence in 2012 following a conviction for domestic abuse. SEA Games in Calabarzon safe, secure – Solcom chief Catriona Gray spends Thanksgiving by preparing meals for people with illnesses LOOK: Venues for 2019 SEA Games Manny Pacquiao on Floyd Mayweather: Let him enjoy retirement PLAY LIST 00:44Manny Pacquiao on Floyd Mayweather: Let him enjoy retirement01:49Pacquiao to Mayweather: Want fans to stop asking for rematch? Then fight me again05:25PH boxing team determined to deliver gold medals for PH01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games LIST: Class, gov’t work suspensions during 30th SEA Games LATEST STORIES ADVERTISEMENTcenter_img WATCH: Streetboys show off slick dance moves in Vhong Navarro’s wedding Brace for potentially devastating typhoon approaching PH – NDRRMC SEA Games: PH’s Alisson Perticheto tops ice skating short program Read Next Floyd Mayweather Jr., left, and Conor McGregor pose for photographers during a news conference Wednesday, Aug. 23, 2017, in Las Vegas. The two are scheduled to fight in a boxing match Saturday in Las Vegas. APLas Vegas, United States — Floyd Mayweather has been taking an unorthodox approach to his pre-fight preparations to face Conor McGregor — with a late-night visit to his strip club. “When I was locked up and doing time, I drew the club up,” Mayweather said. “Women never go out of style.”ADVERTISEMENT UPLB exempted from SEA Games class suspension Manu Ginobili returning for 16th season with Spurs Don’t miss out on the latest news and information. View commentslast_img read more

23 days agoTottenham captain Hugo Lloris: We gave up

first_imgTottenham captain Hugo Lloris: We gave upby Paul Vegas23 days agoSend to a friendShare the loveTottenham captain Hugo Lloris says the players let the club down last night.Mauricio Pochettino’s side were obliterated 7-2 by Bayern Munich, who scored five goals in the second half of the group game on Tuesday night. “I feel really bad for the fans mainly because we gave up a little bit too easily and the score was even worse,” Lloris said.”It is a night that affects a lot. Now it’s about character, clearing the mind.”The next two games against Red Star will become even more important, we cannot lose any more points.” About the authorPaul VegasShare the loveHave your saylast_img read more