Building member loyalty in a digital world

first_img 6SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,David Smith David M. Smith is the Director of Statement Services for OSG Statement Services, specializing in statement print, mail and electronic presentment. He brings thirty plus years of experience in the … Web: www.osgbilling.com Details As Baby Boomers retire and Millennials grow up and increase their purchasing power, it’s important for credit unions to know who this audience is and what their expectations are. According to a report recently released by Experian Marketing Services, a global provider of integrated consumer insights and targeting, data quality and cross-channel marketing, “Millennials are sometimes referred to as the Selfie Generation because of their penchant to take pictures of themselves with their mobile phones, but a better name would be the Smartphone Generation because this generation is leading the way on smartphone adoption and incorporation into their daily lives.”1The report describes Millennials as the most digitally-connected generation yet. The report relates that 77 percent of adult Millennials own a smartphone and spend an average of 14.5 hours a week—that’s around 2 hours a day—using their phones to talk, text, browse the internet, email, network socially, and the list goes on.Just Who Are the Millennials?Millennials are in their mid-teens to mid-thirties and are the most connected and tech savvy generation ever. Also known as Digital Natives, they have literally grown up during the age of technology and have never known a world that wasn’t online. Take a moment to think about that. As opposed to Generation X or Baby Boomers, mobile devices and 24/7 internet access are not things this generation has to adapt to. These are things they’ve come to expect as standard operating procedure. These plugged-in consumers report to checking their smartphones an average of 43 times a day2 and using two or more internet devices while watching TV2. It’s important for credit unions to recognize that Millennials are an audience we should be paying attention to and courting. It’s estimated that by 2017, the Millennials, or Gen Y, will spend more than $200 billion annually.3What People Think MattersMillennials have the world at their fingertips. Not only are they visiting our websites, they’re also checking our online reviews and our Facebook and Twitter accounts to see what people are saying about us. Some 84% of Millennials say social opinions influence their decisions when it comes time to make a purchase. Seven in 10 Millennials4 also say they feel the need to share feedback when they have a good or bad experience. Think about that. By providing them with a good experience they can become an extension of your salesforce—your brand ambassadors, so to speak. But of course this works both ways. They actively add content via their social media outlets whether they are a happy Members…or not. Millennials do require a bit more nurturing than previous generations. When they are engaged, they are your vocal consumers who have some real influence on the purchases of others. But once they lose their trust or faith in a brand, it’s nearly impossible to get them back on board. That’s why it’s so important that you establish a positive relationship with this core group.Now is the time for us to adjust and adapt our marketing strategies if we want to succeed with this generation. Understanding their habits and their preferred communication methods will serve us well.References: 1Experian Marketing Services. Millennials come of age. June 2014. 2Mobile Marketer. How to build loyalty with millennials on mobile. June 2014. 3Advertising Age. Millennials Want to Party with Your Brand But on Their Own Terms. August 2012. 4Edelman. 2.0 Insights Study. December 2012.last_img read more

Are yinz ready for October? Pirates star McCutchen on cover of this week’s SI

first_imgPirates second baseman Neil Walker, who grew up in the Pittsburgh suburb of Gibsonia, is part of what locals call the Lost Generation – anyone born in Pittsburgh after 1984.“It was the Steelers, the Penguins, Pitt, Penn State—and then the Pirates,” he says. “Going to the ballpark was never an activity for a group of friends. It was lost.”Jenkins takes the pulse of the rejuvenated Pirate fan base, including former foe Sid Bream, who scored the winning run for the Braves against the Pirates in Game 7 of the 1992 NLCS.“I want more than anyone for them to break the Bream Curse,” says Bream, who lives outside the [email protected] Cover Tweet:  This Week’s National Cover: @Pirates fans finally have a September to remember http://on.si.com/1fz38rvTweet-friendly cover story notes:In this week’s @SInow @SI_LeeJenkins says Pirates fans are ready for October after 20 years of losing | http://bit.ly/14Yt66wIn this week’s @SInow: Sid Bream says: “I want more than anyone for them to break the Bream Curse.” | http://bit.ly/[email protected] in this week’s @SInow: “It was the Steelers, the Penguins, Pitt, Penn State—and then the Pirates.”| http://bit.ly/14Yt66wIn this week’s @SInow Steelers CB Ike Taylor: “Now I go home at night & I watch the Pirates. I’m on the bandwagon.”| http://bit.ly/14Yt66w (NEW YORK – To a generation of Pittsburgh fans, September has always been about school, football and the irrelevance of the Pirates. But with the franchise’s 20-season losing streak ending last night, senior writer Lee Jenkins says in this week’s Sports Illustrated, on newsstands now, that a reawakened baseball town is asking: Are yinz ready for October?Pirates’ All-Star centerfielder and MVP candidate Andrew McCutchen is featured on a regional cover of this week’s SI. Hi first SI cover appearance marks the second time this season the Pirates have been featured on the cover.last_img read more

Father of 3 jailed for possession of illegal assault rifle

first_imgA father of three, was on Friday jailed for two years by Magistrate Dylon Bess after he was found guilty for possession of an illegal assault rifle.When the matter was called at the Georgetown Magistrates’ Courts on Friday, Magistrate Bess said that sufficient evidence was led by the prosecution for a conviction. The man, who was found with the gun some two years ago, was also fined $15,000.David Nelson, of Lot 190 Church Street, South Cummingsburg, Georgetown, had initially pleaded not guilty to the charge.The charge stated that on November 9, 2017, at Quamina Street, Georgetown, he had in his possession a .223 AR rifle when he was not a licensed holder to carry the weapon.The prosecution had contended that Police ranks acting on information received proceeded to Quamina Street, where they conducted a search on Nelson’s vehicle.During the search, the rifle was found under a seat in the vehicle. According to the prosecution’s case, Nelson had admitted ownership of the weapon.The written caution statement the defendant gave to the ranks indicated that he had bought the weapon from a Brazilian man and he was going to sell it for $6 million.last_img read more

Tips for sleeping well when markets are a nightmare

first_imgShare Facebook Twitter Google + LinkedIn Pinterest The EPA released their ethanol and bio-fuel requirements last week and the estimates were close to expected results, so the market changed very little. Nothing else big happened, which made the market a little painful to watch as it generally drifted lower. Curious, I reviewed what I wrote a year ago to see if I could gain any insight. Interestingly, nearly every bullet point I wrote last year this week is relevant today except:Prices are $1/bu lessInstead of last year’s PED virus, this year we have the bird flu.No two marketing years are exactly the same, but it does seem that history may be repeating itself…. Here is my Market Commentary for May 30, 2014 CornThe planting progress compared to the last five years is on schedule and weather conditions across the Midwest have been good this week. The following are trends to keep an eye on:• End users have good coverage on through June-July, so don’t expect a rush to purchase August/September. The end users know that time is no longer on the side of the farmer.• Finished planting, farmers are looking for the opportunity to sell $5 corn again. But, without a weather scare, it is unlikely. A rally to $4.90 would be nice though but it’s not a given.• The corn board is showing technical signs it doesn’t want to rally. The market is showing a downward trend with July below $4.80. If prices break $4.60 it could grind lower as funds could sell out quickly.• Export demand is good, but not strong enough to meet supply still in farmer bins. Several elevator managers across the Midwest say a few farmers will hold corn waiting for $5 into new crop. If true, this could cause logistical issues at harvest.• Ethanol corn demand has been tricky. It has been strong and profitable, but some traders are suggesting that the amount of bushels being used could be only 95% of USDA estimates because refiners have become more efficient at the process.• The news in livestock is the PED virus shows no sign of being contained. Many wonder if this segment will use all that’s been estimated. One positive, feed ingredients remain strong relative to corn prices and the CA/TX Panhandle droughts are helping with demand.Corn values between $4.60 and $4.80 is not a sale or a buy. The market is looking for direction. There is still significant premium built in for the chance of some dry weather. Some have floated a national average of 170 per acre, while possible, I think it’s a bit early to know (it’s still May on the calendar). Remember the market will know what is going on in your fields before any of us truly have a handle on it. That is why it’s always a good idea to sell traditionally good values. That means looking back at 5- and 10-year averages, rather than using the mindset — “the market has to go up.”I have my prices in place with potential for some adjustments for the next two years. I’ve reviewed my farm operation expenses and understand the profit margins based upon these prices against yield averages/ranges. I have looked at historical markets and trends. At this time I’m not predicting another 2012 situation. I’m planning on the historical average where 80% of the time the market goes lower through summer. I’ve reduced risk and I know I’m profitable for the next two years. If we get a drought and prices rally I’m happy with that because that will allow me to price 2015 and put protections in place for 2016.Reducing risk is the most important thing in my operation and my marketing strategy. My goal is not to pick the top on in the futures market, although it’s on my wish list every year. My strategy is to never wonder if I’m going to be profitable because of market conditions. Based upon 10-year yield results I know I am through 2015. I sleep very well at night…well until my 15-day old baby cries at 1am and again at 4 a.m. 2015I am surprised by all the similarities between this year and last. (Even my now one-year old had an ear infection this week, which kept me up last night.)What do you think is going to happen?I have 100% of my 2015 crop priced with futures at $4.71. I also have a good start on our 2016 crop priced at $4.65. Ideally, the market will rally, so I can sell more 2016, but I’m not sure that will happen.Another huge crop like last year, could create even bigger corn carryout. Many say this can’t happen, but the technology in those $250 seed bags is getting better and better every year. Our farm has seen tremendous yield growth the last two years (during good weather conditions), so I think it’s certainly a possibility. However, it’s still early, anything is still possible. I mean, $3 corn is possible if conditions are right and if they aren’t well $5 could still be in the cards Farmers need to focus on reducing their riskWhile weather conditions change and market prices move unpredictably, one thing that is consistent year to year in our marketing strategy — reducing our farm operation’s risk and staying profitable. My goal each year isn’t to pick the top of the futures market (even though I try to). My goal is to never worry if the farm will be profitable due to shifting marketing conditions. Historically, 10-year yield result averages indicate I will be profitable in 2015. So, I sleep very well at night — when my little kids let me.Jon grew up raising corn and soybeans on a farm near Beatrice, NE.  Upon graduation from The University of Nebraska in Lincoln, he became a grain merchandiser and has been trading corn, soybeans and other grains for the last 18 years, building relationships with end-users in the process.  After successfully marketing his father’s grain and getting his MBA, 10 years ago he started helping farmer clients market their grain based upon his principals of farmer education, reducing risk, understanding storage potential and using basis strategy to maximize individual farm operation profits.  A big believer in farmer education of futures trading, Jon writes a weekly commentary to farmers interested in learning more and growing their farm operations. Trading of futures, options, swaps and other derivatives is risky and is not suitable for all persons.  All of these investment products are leveraged, and you can lose more than your initial deposit.  Each investment product is offered only to and from jurisdictions where solicitation and sale are lawful, and in accordance with applicable laws and regulations in such jurisdiction.  The information provided here should not be relied upon as a substitute for independent research before making your investment decisions.  Superior Feed Ingredients, LLC is merely providing this information for your general information and the information does not take into account any particular individual’s investment objectives, financial situation, or needs.  All investors should obtain advice based on their unique situation before making any investment decision.  The contents of this communication and any attachments are for informational purposes only and under no circumstances should they be construed as an offer to buy or sell, or a solicitation to buy or sell any future, option, swap or other derivative.  The sources for the information and any opinions in this communication are believed to be reliable, but Superior Feed Ingredients, LLC does not warrant or guarantee the accuracy of such information or opinions.  Superior Feed Ingredients, LLC and its principals and employees may take positions different from any positions described in this communication. Past results are not necessarily indicative of future results. He can be contacted at [email protected]last_img read more

One free Fall Soil Test for Farm Bureau members

first_imgShare Facebook Twitter Google + LinkedIn Pinterest  Leave a CommentShow your Farm Bureau membership card at Ashtabula, Geauga, Lake or Trumbull County OSU Extension offices between Oct. 25 and Nov. 30, 2018 to get your FREE test!  Only valid for Farm Bureau members.*Who should soil test?  Anyone applying lime and/or fertilizer to gardens, yards, pastures, hay and crop fields, etc.Why should you fall soil test?  According to OSU Extension, fall is an ideal time to sample soil for several reasons:  1.  Soils often have an ideal moisture range that makes sampling easy.  2.  It gives producers ample time to apply fertilizer or lime before the next crop.  3.  It helps ensure spring planting will not be delayed.When can you get your free test?  Oct. 25-Nov. 30 during your county OSU Extension office’s regular business hours.How do you obtain your free test?  Go to your county OSU Extension office, show your Farm Bureau membership card, (call 440-426-2195 for your ID number if you don’t have a card,) pick up your FREE soil test, have Extension analyze your results if needed.Any questions, call Farm Bureau at 440-426-2195 or email us at [email protected]. View the flyer here.*Pick up your free soil test at your county Extension office:Ashtabula:  30 Wall Street, Jefferson, OHGeauga:  14269 Claridon-Troy Road, Burton, OHLake:  99 E Erie Street, Painesville, OHTrumbull:  520 W Main Street, Cortland, OH     Leave a Commentlast_img read more

19-year-old alleges gangrape, case transferred from Aurangabad

first_imgA 19-year-old girl, currently in hospital, has alleged she was gangraped by four men in Chunabhatti while on her way home from a birthday party last month. Her father initially registered an FIR on Wednesday with the Begumpura police station in Aurangabad, which on Friday was transferred to Chunabhatti police station for further investigation. “The victim, who is HIV positive, suffered a paralytic attack on July 14 this year, after which her father took her from Mumbai to Aurangabad, where the family hails from. During medical examination, doctors detected injuries to her private parts and asked her about it. She disclosed that she had been sexually assaulted in the intervening night of July 7 and July 8,” police inspector Deepak Surve, Chunabhatti police station said. According to a statement given by the victim’s father, The girl was staying in Mumbai with her brother and had gone for a friend’s birthday party. When she was returning home, she was allegedly accosted by four persons. The victim has not been able to identify the accused, the police said. “An FIR of rape and gangrape has been registered under the Indian Penal Code against the four unidentified men and further inquiries are underway,” Mr. Surve sad. The police are now obtaining footage of Closed Circuit Television (CCTV) cameras at and around the rough location that the victim has mentioned, to scan it for any clues regarding the identity of the accused. Inquiries are also being made with local informants and a team will be going to Aurangabad for further inquiries with the victim’s father, sources said.last_img read more

a month agoNapoli coach Ancelotti: Liverpool have grown since winning Champions League

first_imgNapoli coach Ancelotti: Liverpool have grown since winning Champions Leagueby Carlos Volcanoa month agoSend to a friendShare the loveNapoli coach Carlo Ancelotti believes Champions League opponents Liverpool are stronger than last season.The Azzurri host the European champions this week.“Liverpool have grown because last season gave them so much awareness,” Ancelotti said at a Press conference.“On the other hand, we’ve also grown because we’ve added more quality to their squad.“It’ll be a hard-fought match as we’ll be facing the best team in Europe. We hope to get the same result as last season.“As for formation, we mustn’t distort our identity and idea. We must take inspiration from the good things we’ve done and the problems we’ve been faced with.“We defended very well against them last season, and the defensive aspect is very important in games like these.“I expect a team capable of defending when necessary, attacking when the opportunity arises and keeping the ball when needed. We’ll need the perfect game.” About the authorCarlos VolcanoShare the loveHave your saylast_img read more

a month agoBurnley boss Dyche delighted with manner of goals for victory over Norwich

first_imgBurnley boss Dyche delighted with manner of goals for victory over Norwichby Paul Vegasa month agoSend to a friendShare the loveBurnley boss Sean Dyche was delighted with the manner of their goals for victory over Norwich City.The Clarets boss celebrated becoming the fourth longest serving manager in the club’s history with three deserved points, thanks to Chris Wood’s early brace.Wood struck twice in the 10th and 14th minutes, first with a near post header from a perfect Ashley Westwood corner and then with a smart near post flick to get on the end of Dwight McNeil’s delicious cross.“For the set piece I was pleased with my staff because there are certain things they work on and they deserve a lot of credit for that,” explained Dyche.“For the second, we know what a good young player Dwight is. He keeps developing all the time and he’s got great feet and pulls a lovely ball back.“Woody is on the spot and it’s a great bit of movement and a good finish because they are not easy.My only gripe was that we didn’t capitalise on so many counter-attacks in the second half, but they’ve shown me enough, yet again, that we are a force when we get things right.” About the authorPaul VegasShare the loveHave your saylast_img read more

Borutski found guilty of firstdegree seconddegree murder in 2015 killings

first_imgOTTAWA – Much as he’d done throughout his two-month trial, Basil Borutski betrayed little emotion on Friday as a jury found him guilty in the deaths of three former partners who were brutally killed two years ago during an hour-long, revenge-fuelled rampage across the Ottawa Valley.Borutski, 60, was found guilty of first-degree murder in the point-blank shotgun killings of 36-year-old Anastasia Kuzyk and 48-year-old Nathalie Warmerdam, and guilty of a second-degree murder charge in the strangling death of Carol Culleton, 66.All three murders took place on Sept. 22, 2015, in the space of less than an hour. They left advocates denouncing the justice system and urging politicians to go beyond rhetoric on violence against women, given Borutski’s well-known reputation among locals in the community for threats and a propensity towards violence.Clad in a grey shirt and slacks, black Croc sandals and leg chains, Borutski remained expressionless and stared straight ahead throughout the verdict, which it took the jury some 14 hours to reach. When it was over, police ushered him out of the prisoner’s box by police.A murder conviction carries an automatic life prison sentence. A sentencing hearing has been scheduled for Dec. 5 in Pembroke, Ont., to determine the specifics around when he might become eligible for parole.Federal legislation was passed in 2011 that allows judges to impose consecutive 25-year periods of parole ineligibility in cases that involve multiple murder convictions. Judges can consider factors such as the offender’s character, the circumstances of the offence and any recommendations from the jury.Prior to the murders, Borutski — who chose to forgo having a lawyer during the trial, but barely said a word during the proceedings — had twice spent time in jail after two of the women accused him of assault and uttering threats.Ontario Provincial Police Det. Insp. Mark Zulinski, who served as case manager for the incidents, said outside the courthouse that police respect the jury’s findings and appreciate the work of the courts.He also expressed sympathy for the victims’ families, their close friends and the members of their community.“I hope … by the conclusion of these proceedings that these people could move forward in their healing processes and move on with their lives,” Zulinski said.Leighann Burns, executive director of Ottawa-based women’s shelter Harmony House, said Borutski’s reputation as a violent and dangerous person was well-known in and around the Ontario community of Wilno, not far from where the three women lived.She called the verdict a “condemnation” of the response to violence against women in Ontario and throughout Canada.“If we couldn’t stop someone who was so visible and so dangerous, really, what does this say about this system?” Burns said outside the doors of the Ottawa courthouse.“These women were clearly living in fear and it was known he that posed a real risk to them.”It’s high time the talk of ending violence against women translated into action, she added.“What are we going to do to make things different for all the other women that come forward and disclose the violence in their lives?” Burns said. “How will we keep them safe? How will we keep them alive?”Because Wilno, a victims’ rights group formed in the aftermath of the killings, also issued a statement on Friday urging lawmakers to do more to combat domestic violence.“For too long, Canadians have looked away from violence in our homes that predominantly harms women and children in every neighbourhood, district, municipal ward and constituency of this country,” said the statement, which accused the justice system of failing Borutski’s victims.In a videotaped interview played at trial, Borutski expressed a degree of remorse for his actions, which he said were fuelled by rage at what he considered to be the lies and betrayals of his victims.In the video, he described how he was acting like a “zombie” on the day in question, saying he’d originally planned to take his own life, but decided against it because he believed it was wrong to take an innocent life.“I killed them because they were not innocent,” Borutski says in the video. “They were guilty. I was innocent. I’ve done nothing wrong.”In his opening statement, Crown attorney Jeffery Richardson told the jury the trial was not a case of “whodunit.”“The evidence is overwhelming that Basil Borutski murdered Carol, Anastasia and Nathalie,” Richardson said.Borutski even told police the murders were “his kind of justice,” he added.“He thought about it before he did it, and then he executed his plan perfectly.”Richardson did not comment following Friday’s verdict.—Follow @kkirkup on Twitterlast_img read more

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