1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The House Financial Services subcommittee hearing at which NCUA Chairman Debbie Matz is slated to testify has been moved to tomorrow afternoon at 2 p.m. Eastern.The Financial Institutions and Consumer Credit Subcommittee hearing, chaired by Rep. Randy Neugebauer, R-Texas, is expected to focus on NCUA’s budget, efforts to bring greater transparency to the agency’s budget process and recent rulemakings, such as the current risk-based capital proposal. The hearing was originally scheduled for Friday.This hearing will mark Matz’s first appearance as a congressional hearing witness since 2011.Matz has expressed concerns about the bipartisan, NAFCU-backed H.R. 2287, the “NCUA Budget Transparency Act,” sponsored by Reps. Mick Mulvaney, R-S.C., and Krysten Sinema, D-Ariz. The bill would require NCUA to make its draft budgets publicly available and submit them for publication in the Federal Register, and it would require that the agency hold public hearings on its budget. H.R. 2287 is focused on budget transparency and would not alter the NCUA Board’s authority to set and administer the agency’s budget. continue reading »
Tempe, AZ continue reading » Registration is now live for the CUNA Current Expected Credit Loss School, a live training event designed to prepare credit unions for the new Current Expected Credit Loss (CECL) standard going into effect Dec. 15, 2021. The CUNA CECL School will take place Sept. 5-6 in Tempe, Ariz.“The content offers a good overall understanding of the complexity and possible solutions for managing CECL requirements,” said Joe Hyatt, EVP/COO, DFTC, Inc.“For a smooth CECL transition it’s best to start early,” said Amanda Schumacher, instructional design manager at CUNA. ” Implementing FASB’s new accounting standard requires assessing your data management strategy and making the necessary changes to ensure that you’re collecting the right data to make the new CECL standard work for your credit union.” ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Sources:1The ANA/DMA Response Rate Report, 2018, https://www.ana.net/miccontent/show/id/rr-2018-ana-dma-respose-rate2“5 Myths About Millennials and Mail,” USPS, https://www.uspsdelivers.com/millennials-and-mail-5-myths-and-the-truth-behind-them/3“Direct Mail ROI – What Are Common Returns on Direct Mail Campaigns?” 2018, Postalytics, https://www.postalytics.com/blog/direct-mail-roi/4“What’s Driving Subscription OTT Growth?”, eMarketer, Findings based on the Global Media Intelligence Report 2018, https://www.emarketer.com/content/global-media-intelligence-20185“Ad Receptivity and the Ad-Supported OTT Video Viewer,” 2018, IAB, https://www.iab.com/wp-content/uploads/2018/10/IAB_AVOD_User_Study_PRESS_DECK_FINAL.pdf As marketers, we’re continuously stressing the importance of digital media. And while it’s a major component in any solid marketing strategy today, our digital tunnel vision might cause us to abandon former tried-and-true practices too early. Don’t give up on legacy media so soon! Below we revisit three old-school strategies proving just how valuable they still are — especially when integrated with your credit union’s digital plans.TELEVISION REIMAGINEDAlthough traditional cable and satellite viewers are dwindling, television is, in fact, booming thanks to Over The Top (OTT) TV.We’re cutting the cord, moving away from traditional channel surfing in favor of apps which allow you to conveniently stream content from virtually any device with internet access. According to a recent global media intelligence report, ad-supported OTT subscriptions in 2019 reached more than 181.5 million monthly users, equating to 63.9% of the US population.4The report, provided by eMarketer, notes the immense value for brands with increased investment in ad-supported OTT, proving that streaming services are not only redefining the way we view TV shows, but also commercials.OTT video viewers are much more receptive to advertising than TV-Only viewers. In fact, a study by IABregarding ad receptivity discovered that 1 in 3 users find ads via OTT more engaging, unique, and relevant, and will complete 98% of video ads compared to traditional television commercials.5Through OTT services, businesses can leverage collected consumer data like geographic area, age, gender, and ethnicity in order to tailor their ads to specific audiences. Using data insights allows you to create ads with messages that address the unique challenges, concerns, and needs specific to your target consumer. This strategy helps communicate initiatives more effectively as well as saves resources that would have otherwise been wasted on the wrong market.OTT works especially well alongside digital strategy, bringing current content like banner ads to life and helping to create a cohesive, well-rounded marketing plan.SNAIL MAIL RESURGENCEToday’s marketing strategies focus heavily on digital communication, pushing consumers to the brink of email burnout. Our inboxes overflow with generic promotions, advertisements and spam — many of which are sent straight to the trash. To avoid getting lost within the email promo pileup, your credit union might want to reconsider the good ole’ snail mail days.Digital ads are now so commonplace that receiving direct mail feels like a refreshing change of pace. According to an ANA/DMA report, direct mail response rates are on the rise, with house lists boasting an average rate of 9% — nearly doubling the previous year’s figures.1Sending someone a tangible piece of mail provides a personal element that — when done right — can leave a lasting impression and create rapport with your members. In fact, 82% of millennials viewed brands’ print advertisements as more trustworthy than digital marketing materials.2That stat makes even more sense when you think about how quick many of us are to download ad-blockers onto our computers to achieve uninterrupted internet use.On average, direct mail offers a 29% return-on-investment.3To make the most of the medium, try incorporating an interactive element that gives mailer recipients a reason to visit your website or physical branch. An example might be a branded postcard or flipbook, highlighting favorable perks that make your credit union unique. Include a token, voucher or code within the mailer which can be redeemed for a reward, like a free tote bag or hat. Having that redeemable incentive is a great way to track the ROI of your efforts, and the branded swag will increase your credit union’s visibility. With the amount of physical mail an average person receives on the decline, there’s much more room for businesses to stand out within consumers’ mailboxes.If you want to give your direct mail strategy a modern twist, bring in a social component. Encourage recipients to post a photo of the mailer to their social media channels for a chance to win a prize, like a gift card. Be sure they tag your credit union and any specific hashtags. Contests like this are simple to arrange and will boost your member engagement as well as social media presence.GET OUTSIDEAmid today’s noisy digital landscape, outdoor advertising makes a triumphant return. Similar to direct mail, Out-Of-Home (OOH) platforms like billboards, wall murals, and public transport stations provide a refreshing break from the internet and lets brands create campaigns with more artistic flare. Today’s ads look less like ads and more like “visual stories” that enhance a brand’s narrative or values. Enter a New York subway and you’ll find cars outfitted with lively, eye-catching banners. They often boast stylish or entertaining content, witty slogans, rhymes, even brain teasers and puzzles.Plus they know how to speak to and connect with the local community. Thanks to advancements in data collection, businesses can use demographics and trend insights to better target their audience, making it easier to market to consumers on a personal level. For example, popular food delivery app Seamless launched an OOH campaign across public transport platforms “awarding” NYC neighborhoods with superlatives based on their unique food orders. Awards included “Hottest Neighborhood” to SoHo based on orders for extra hot sauce and Dyker Heights for “The Neighborhood That Never Sleeps,” due to their large number of night-time coffee orders. The ads were fun and witty, and most importantly relatable to their target New Yorker audience.Since credit unions are so ingrained within their neighborhoods, OOH campaigns are great opportunities to use specific community knowledge in a fun and exciting way that will personally resonate with members.Who Said Legacy Media’s Dead?While it’s important to always stay current within our digital media landscape, sometimes dusting off the old playbooks can make a big impact on your overall marketing strategy. Whether you’re fully embracing new media or kickin’ it old school, don’t be afraid to revisit your old ideas— they might be the key to unlocking some new ones. 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Ben Prager Prior to forming Prager Creative, Ben worked with design studios, branding firms and advertising agencies to push great strategy and design for all his projects. His experience with all aspects … Web: www.pragercreative.com/creditunions Details
In Georgia, as Biden mentioned in his speech, Democrats are feeling bullish. Many more votes are yet to come in from the Atlanta area; in DeKalb County, for instance, one of the state’s largest, early in-person votes had not even begun to be counted until last night. In many of these still-uncalled states, Trump holds the lead in terms of ballots counted — but that could easily change as more mail-in ballots and some in-person votes continue to be tabulated.- Advertisement – But Democrats also picked up two Senate seats, in Colorado and Arizona, and close races remain uncalled in North Carolina, Georgia, Michigan and Maine — most of them potential Democratic pickups. The party’s path to a Senate majority may have narrowed somewhat, but the fate of the chamber, it’s safe to say, still hangs in the balance.Where we’re atBased on the states that have already been declared, Biden needs 43 more electoral votes to get to the golden number of 270, and Trump needs 57.The three Northern states that flipped for Trump in 2016 — Wisconsin, Michigan and Pennsylvania — remain uncalled. So do North Carolina and Georgia, both of which went for him in 2016 but have been heavily targeted by Democrats this cycle, and both of which are double-whammies: They have contested Senate races hitched to the presidential contest. Nov. 4, 2020, 6:08 a.m. ET “I’m here to tell you tonight, we believe we’re on track to win this election,” he said. “We knew because of the unprecedented early vote and the mail-in vote, it was going to take a while. We’re going to have to be patient until the hard work of tallying the votes is finished. And it ain’t over until every vote is counted, every ballot is counted.”Republicans yesterday did win closely contested Senate races in at least two states, Alabama and Iowa, and flipped at least six House seats, giving them a four-seat net gain in that chamber so far.- Advertisement – Updated – Advertisement – – Advertisement –
Djokovic triumphed in Paris, 3–6, 6–1, 6–2, 6–4 to capture his first and only French Open title. Loading… On Friday, Murray and Djokovic shared an Instagram Live chat where they discussed a rivalry which began in childhood and is still going strong in their early 30s.“If I could change one result, I obviously would have loved to win the Australian Open or the French Open, but as a challenge for me, because clay was such a tough surface for me throughout my career,” Murray told the world number one during the link-up.“Just in the terms of the way I played on clay it was the hardest one for me to adapt to.“That would have been my biggest achievement for me if I would have won the French.“Australia has been pretty painful for me thanks to you over the years. If I could change one I would take the French Open off you.”Djokovic has long had the upper hand on Murray.He leads their head-to-head 25-11 and has 17 Grand Slam titles to the Briton’s three.However, Murray does possess two Olympic gold medals from London in 2012 and Rio in 2016.He defeated Djokovic in the semi-finals in London on his way to the title.“I felt like a played well overall, but you beat me in the London Olympics in the semis, 7-5, 7-5,” Djokovic said.Old rivals: Andy Murray and Novak DjokovicRead Also: Drogba joins effort to distribute aid to poor in Ivory Coast“I still felt like we both played very well, I felt the quality of the match was pretty good, you were just better in the decisive moments of the sets.“Of course I was devastated when I lost because it was Olympic Games, but I was happy with the way I played.”FacebookTwitterWhatsAppEmail分享 Promoted ContentWhat Happens When You Eat Eggs Every Single Day?6 Reasons Sharks Are Afraid Of Dolphins7 Universities Where Getting An Education Costs A Hefty PennyInsane 3D Spraying Skills Turn In Incredible Street ArtBest & Worst Celebrity Endorsed Games Ever Made7 Ways To Understand Your Girlfriend BetterThe Highest Paid Football Players In The World10 Risky Jobs Some Women Do7 Truly Incredible Facts About Black Holes8 Things That Will Happen If An Asteroid Hits EarthWho Is The Most Powerful Woman On Earth?The Highest Paid Football Players In The World Andy Murray admits that his Roland Garros final defeat in 2016 to lifetime rival Novak Djokovic remains one of his most shattering losses.Advertisement
By Bucky DorenINDEPENDENCE, Iowa – The 2017 racing season is set to drop the green flag this weekend at Independence Motor Speedway. The Spring Break Season Opener features a $1,000 to win payday for IMCA Modifieds.Gates will open at 4 p.m. on Saturday, April 8 with hot laps slated for 6 p.m. Spectator admission is $15 and pit passes are $25.On the card in addition to IMCA Modifieds are IMCA Sunoco Stock Cars, Karl Chevrolet Northern SportMods and IMCA Sunoco Hobby Stocks. Also racing will be Indee Cars sanctioned under XCEL 600 Micro Mods as well as INEX Dwarf cars.The IMCA Modified main will pay $1,000 to the winner and $100 to start. IMCA Stock Cars race for $500 to win. IMCA SportMods battle for a $400 winner’s check while the IMCA Hobby Stocks have a $250 check for the winner.Driver entry fees are set as follows: Modified $30; Stock Cars: 25; SportMods $20; and Hobby Stock, $20. No entry fees for Indee Cars and INEX Dwarf cars, and they will race for the normal weekly purse.IMCA Speedway Motors Weekly Racing National, regional and Allstar Performance State points will be award on April 8. All classes will a draw/redraw show. Track points will not be awarded for any class.For more information, visit the Independence Motor Speedway at www.RaceIndee.com.
Southampton boss Ronald Koeman says Morgan Schneiderlin is not in the right frame of mind to play against Bayer Leverkusen on Saturday but insists the midfielder will not be sold. “As a teammate I always want him in front of me – he has more interceptions and more tackles than anyone else and he runs miles. “He is a great player. As the manager says, it is a difficult situation. “For us, we want him in the team and we will do everything we can to make him happy so he stays here and achieves great things.” Southampton have taken steps towards replacing those who have left with the signings of Saphir Taider, Dusan Tadic, Graziano Pelle and Ryan Bertrand. Saints are chasing Argentina and Sporting Lisbon defender Marcos Rojo, while a deal is understood to be close for Steaua Bucharest defender Florin Gardos. “We are interested in Gardos but until now they haven’t told me it is signed or done – but we are interested, that is true,” Koeman said. “We are interested in Rojo but the transfer is a question for the chairman and (executive director) Les Reed. “These two players are both on our list.” Southampton have let six first-team players go so far this summer and Koeman admits the squad needs bolstering ahead of their Barclays Premier League opener against Liverpool. “It is not about a specific number but we need more competition in the squad than we have now,” Koeman said. “Maybe one, maybe two, maybe three because we have to be prepared. “I’m very happy about the quality in the squad but the season in the Premier League is long and we need more players of Premier League level to have real competition. “To achieve that more players will come into the team.” The France midfielder held talks with Koeman and Saints chairman Ralph Krueger on Friday morning where he was again told he would not be allowed to leave. Schneiderlin trained with his team-mates this week, albeit spending two days separately as he regains fitness following an extended rest after the World Cup. “The situation is difficult, the player makes it difficult,” Koeman said. “I spoke to him with our chairman and the situation has not changed – we don’t sell Schneiderlin and he has to accept that. “Tomorrow he is not in the squad. He said he is not physically and, even more, mentally prepared for tomorrow. “On one side I can understand that. We told him to take the weekend off and think about the situation. Koeman added: “He will continue as a football player of Southampton. Now it is up to him.” Schneiderlin has attracted strong interest from Tottenham and Arsenal this summer and the 24-year-old has expressed his anger at not being allowed to join other key players in leaving St Mary’s. Saints defender Jose Fonte will not be departing. The 30-year-old has signed a new contract until 2017 and he hopes Schneiderlin will also remain at the club. “It is very simple. Schneiderlin is one of the best midfielders in the Premier League,” said Fonte, who will also captain the team on the pitch this season. Press Association
Zafayan will bid to belatedly get off the mark over timber when he lines up in the Galway Festival opener on Monday evening, the Galwaybayhotel.com & Radissonhotelgalway.com Novice Hurdle. Subsequent Ascot Gold Cup winner Trip To Paris won that race, while current Galway Hurdle favourite Quick Jack was second. Bachasson was impressive when winning his maiden at Sligo earlier this month and he is sure to have plenty of supporters. He won two French bumpers before joining Willie Mullins and he is owned by Edward O’Connell, who also has the great Un De Sceaux with Mullins. Moonmeister is two from two over hurdles and he takes a step up in class. The Gordon Elliott-trained gelding is a likeable sort and he should give a good account of himself with Luke Dempsey in the saddle. Neverushacon was a well-backed winner on his last outing at Gowran and he is also looks to have solid claims. Newcomer All The Answers is another who cannot be dismissed. The Aidan O’Brien-trained gelding cost 30,000 euro as a three-year-old and he is out of Shatabdi, who won a Grade Two hurdle at Kempton in 2007. Press Association The Dermot Weld-trained gelding was placed on his first four efforts over timber before winning on his return to the level at Leopardstown in April. He then ran a cracker to finish a close-up third in the Chester Cup in May.
Birmingham: England seamers Stuart Broad (4/38) and Chris Woakes (3/35) maintained their good show with the ball in the afternoon session as the hosts reduced Australia to 154/8 at tea on the first day of the first Ashes Test at the Edgbaston Cricket Ground on Thursday.With Australian wickets falling a pack of cards, it was Steven Smith who kept one end under control with his valiant unbeaten knock of 66, his 25th half-century in Test cricket.Resuming the second session from 83/3, the visitors could manage 71 runs but lost five wickets, thanks to some lethal bowling by Woakes and Broad.After six overs in the second session in which Australia had added 16 runs, Woakes trapped Travis Head in front of the wicket.There was no stopping Woakes, who soon dismissed new man Matthew Wade (1) in similar fashion with just 105 runs on board in the 35th over.Broad then joined the party and dismissed skipper Tim Paine (5) cheaply. The Australian wicketkeeper’s mistimed pull landed safely in the hands of Rory Burns at deep square-leg.As wickets kept falling for Australia, it was Smith who kept the scorerboard ticking.After Paine’s dismissal, the English bowlers didn’t have to work hard as they easily got rid of James Pattinson (0) and Pat Cummins (5), who were both caught plumb in front of the wicket by Broad and Ben Stokes, respectively, leaving the visitors reeling at 122/8.Smith was then joined by Peter Siddle, who showed some resistance with the bat as the former notched up his half-century in the 47th over. Smith kept on facing the England bowlers courageously to help his team touch the 150-run mark in the 52nd over.The duo shared an unbeaten 32-run stand for the ninth wicket which saw Australia averting an early all out in Day One.Earlier in the morning session, it was England all the way as an inspired show by the duo of Broad and Anderson in the opening hour pegged back the visitors who went into the lunch break at 83/3 in 27 overs.Opting to bat first under overcast conditions, Australia got off to the worst possible start as they lost David Warner for just 2 in the fourth over, trapped in front by Broad. Interestingly, replays showed that the ball was missing the stumps but Warner didn’t review the decision.The pacer then removed Cameron Bancroft for 8 as Joe Root picked up a smart catch. It was a typical Broad dismissal as he got the ball to pitch just outside off stump in the corridor of uncertainty and the ball nipped in enough to take the edge and fly to first slip.Usman Khawaja’s dismissal was another case of the bowler being repaid for delivering it in the channel. Woakes pitched it just outside the off and Khawaja edged it for Jonny Bairstow to complete a regulation catch. While Bairstow didn’t seem too confident, skipper Root got the decision reviewed and it went in England’s favour.Having lost three wickets inside the first 15 overs, it was all about putting the head down and batting till stumps for Smith and Travis Head and that is exactly what the duo did as they went to lunch batting out 12 overs without handing England another wicket.While Smith looked to mix caution with a bit of aggression, Head was happy to take a couple of chances.Brief scores: Australia 154/8 (Steven Smith 66 batting, Travis Head 35; Stuart Broad 4/38, Chris Woakes 3/35) vs England. IANS Also Read: Steven Smith Memorial Scholarship Award given away
Stephanie Jones received a text message immediately after the Syracuse ice hockey team’s victory Friday over Union. The text was from former SU goalie Lucy Schoedel, who started ahead of Jones during the program’s first two seasons. Her message: Congrats. The short message said it all. This win was special for Jones — it was her first career start. The junior goaltender had waited two-plus years for this moment. ‘I’ve been waiting for a while,’ Jones said. ‘It felt good to finally be told that I was going to get a chance.’ The chance meant she would be introduced as the starter. Hearing her name announced was exciting, especially with her father in the crowd and friends and family watching from home online. She wanted to make them proud. Jones did just that with her strong performance to get the win. She recorded 12 saves and controlled the rebounds to limit Union’s scoring opportunities to just 13 shots on goal in a 3-1 victory.AdvertisementThis is placeholder text Head coach Paul Flanagan was pleased with her effort. He said he decided to start Jones to reward her hard work and patience over the last two years. The junior didn’t see much playing time as the backup to Schoedel, who was the first player to sign with the brand new Syracuse program in 2008. Schoedel transferred from New Hampshire, where she was a backup on a team that reached the NCAA Regionals. Jones only played in five games combined as a freshman and sophomore. Flanagan said he knows it was frustrating for her at times, but she accepted her role and stayed positive. ‘I think she knew that she was going to be an understudy,’ he said. ‘Probably after she was here for a year or so, I think she felt she would have wanted to play more, but those are just coaching decisions.’ And the coach went with Schoedel. She was among the top goaltenders in the country, and the key to the program’s success. She led the Orange to a winning record last year and earned MVP honors in each of her seasons with the team. Jones has tried to apply what she picked up from Schoedel to this year’s team. ‘I learned a lot from (Schoedel) in terms of character off the ice,’ Jones said. ‘She was just a great leader and brought a lot of energy to our team, so even though I’m more of a quiet leader, I try to just bring some of those traits back to the team.’ Schoedel, who is now an assistant coach at Wesleyan, said Jones pushed her at practices and gave her pointers in drills and during games that helped her succeed. Jones was a supportive teammate who kept everyone optimistic in the locker room. Schoedel has moved on, but she stays in touch with Jones. She said she hopes she can still help her, even if it’s through a quick text every now and then. That brief text after the game had a deeper meaning behind it. Schoedel was celebrating her old teammate’s victory, but she was also saying ‘thank you.’ ‘Whether or not she knows it, her attitude was such a huge inspiration to me while I was playing,’ Schoedel said. ‘A teammate like her makes a difference come game time, whether or not she’s starting.’ Jones continues to be a reliable teammate, but she finds herself in a similar situation as a backup to freshmen Jenesica Drinkwater and Kallie Billadeau. Through seven games, her first start is the only game in which she has seen action. The first start was special, but she knows it was just one game. And a one-game performance isn’t enough to guarantee more starts. She must earn them every week at practice. ‘I think at this point, what coach has told me is just continuously competing in practice,’ Jones said. ‘It’s what I’m trying to do, and stay more consistent and just stay competitive on the shots.’ firstname.lastname@example.org Facebook Twitter Google+ Published on October 27, 2010 at 12:00 pm Contact Ryne: email@example.com Comments