Is your credit union’s engagement strategy suitable for millennials?

first_img 16SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Millennials, who were born between 1980 and 2000, are now in the midst of significant life changes, such as graduating, buying a first home, getting married and having children. They have also come of age during a time of swift technological change and economic disruption. They prefer doing things electronically, are innovators and are always looking for the next best product or solution in the marketplace.For these reasons, what better time than now for financial institutions (FIs) to engage this influential group of consumers?Although marketing to Millennials seems like a no brainer, FIs need to be strategic in their efforts. Tactics that work for older generations will most likely not yield the same results with Millenials. For example, because most Millenials carry high levels of student debt, certain financial products and services, such as mortgage loans, often come across as irrelevant. However, products like Apple Pay and EMV chip cards tend to appeal more to this audience – because innovative and mobile technologies are important to them.What are some easy ways community-based FIs can increase engagement with this generation? Based on results from its study of Millennials’ attitudes and perceptions about banking, the Independent Community Bankers of America (ICBA) recommends these strategies: continue reading »last_img read more

Biggest ‘Dancing With the Stars’ Feuds

first_imgCarrie Ann Inaba vs. Bachelor Nation! Amber Rose vs. Julianne Hough! And Maksim Chmerkovskiy vs. … everybody! The Dancing With the Stars ballroom is no stranger to a feud.The cast and judges of the ABC competition have gotten heated over the years. Chmerkovskiy, for his part, has found himself at odds with several of his celebrity partners, including Kirstie Alley (season 12), Hope Solo (season 13) and Vanessa Lachey (season 25). The professional dancer also got into it with the judges panel in 2011 after Len Goodman called his and Solo’s rumba their “worst dance of the season.”- Advertisement – After Chmerkovskiy argued with Goodman’s critique, the Brit pointed out that he’s “been in this business for 50 years.”The dancer quipped back, “Then maybe it’s time to go!”Chmerkovskiy added backstage, “With all due respect, this is my show. I helped make it what it is.”- Advertisement – – Advertisement – During an interview with The Hollywood Reporter at the time, Chmerkovskiy insisted that he respects Goodman’s opinion, but didn’t apologize for his “my show” remark.“I’ve danced for 27 years, and I’ve won more titles than Len ever even participated in,” he said. “I feel like it’s my show, and together, with other pros, I dedicated six years of my life to this show … I’ve helped make it what it is, but I’ve never taken it away from anybody else who participated. I didn’t mean it in a selfish way. I love it. It’s what I love doing. Our fans are phenomenal.”- Advertisement – Goodman, for his part, spoke to Access Hollywood at the time.“How often, in the heat of the moment, we say things where we think why did I say that? I think Maks is going through one of those periods right now,” he said. “What they have to understand is: They’re on trial. We’re the judges. You can’t be the judge at your own trial.”Chmerkovskiy, who joined DWTS during season 2 in 2006, took a two-season break after season 15. When he returned for season 18 with partner Meryl Davis, he made headlines for calling Goodman the “important” one.“I’ll never be [the judges’] favorite. And that’s OK. The viewers decide who gets to go and who doesn’t,” he told Today at the time. “I hope [the judges] know I’m joking. I hope the viewers know, too. Nothing that exits my mouth — unless I’m in rehearsal — is serious. This banter [with the judges] will never go away.”Chmerkovskiy took another break from the show after winning with Davis, but returned in 2016 for three more seasons. He declared he was done with the series again in 2018, but not before making headlines for his drama with Lachey.Scroll through to revisit the biggest feuds over the years:last_img read more

Strathclyde adds £300m multi-asset credit for ‘enhanced yield’ shift

first_imgSource: Strathclyde Pension Fund / Glasgow City CouncilStrathclyde Pension Fund asset allocationThe fund currently allocates around 20% to short and long-term strategies, however after meetings this summer it has decided to emphasise multi-asset credit and private debt.It will also consider amending its equity portfolio to become equally weighted across global markets by underweighting its exposure to the US market and capping its UK exposure to 5% via a Legal and General Investment Management (LGIM) mandate.The LGPS is currently devising a plan on regional allocations to be submitted to the board in November, and will increase its exposure to fundamental indexation strategies. Strathclyde also invests in absolute return strategies, mainly through a PIMCO-administered mandate which returned 3.3% in the year to April 2015.However, the fund is now considering moving from PIMCO’s second Absolute Return Strategy to its third option with a higher return target, in order to better account for the scheme’s short-term enhanced-yield strategy. The £15.4bn (€21.8bn) Strathclyde Pension Fund is looking at add multi-asset credit into its portfolio as the scheme further looks for “enhanced yield” opportunities.The local government pension scheme (LGPS), the largest in the UK, has begun searching for a multi-asset credit manager.Strathclyde said it has provisionally earmarked £300m for the strategy but could allocate more over time.In April, it announced a radical reduction in its equity portfolio in order to fund a move to “enhanced yield” strategies, considering a range of alternative options to manage downside risk. The pension fund, which provides retirement income to public sector workers in the west of Scotland including Glasgow, said managers should be able to provide returns of LIBOR +4% and primarily invest in high-yield and syndicated loans.However, it said managers would be given freedom to invest across other credit markets under certain guidelines.“The main purpose of this mandate is to provide exposure to higher yielding credit market beta. We do not envisage that hedge fund strategies or extensive use of leverage to be appropriate,” the pension fund said.Interested managers have until 22 October to contact Hymans Robertson for further information on the mandate, with the fund expecting to shortlist 6-8 managers before making a final decision. The scheme’s move to enhanced yield means shaving between 10 and 20 percentage points off its equity allocations in order to fund moves to both short and long-term enhanced yield strategies by 2018 – which would account for 40% of assets (Options 1 and 2).#*#*Show Fullscreen*#*#last_img read more

Al-Shabaab claims to have killed Kenyan police officers

first_imgSomalia’s militant group Al Shabaab has claimed responsibility for the killing of at least 20 Kenyan police officers in Garrisa county North Eastern Kenya.The ambush happened on Monday night. 8 police officers are said to have been seriously injured.Speaking to  Reuters the group’s military spokesman said, they killed 25 Kenyan police officers in a village North of Garissa town where the militants killed 148 students in April.Sheikh Abdiasis Abu Musab Reuters  that 20 officers were killed when al-Shabab fighters ambushed them on Monday night in Yumbis village, 70km north of Garissa, while more officers were killed when a police vehicle hit a landmine planted by the fighters.“We took all their weapons. There were some Kenyan forces that escaped in the course of the ambush fighting,” he said, adding that five police vehcles had been burnt.Al Jazeera’s Mohammed Adow said Garissa police had confirmed that 20 officers had been killed in the attacks. Al Shabaablast_img read more

Ball State Professor Discusses Iraq Crisis

first_imgMUNCIE, In — Ball State telecommunications professor Phil Bremen, a former Army officer who covered Saddam Hussein’s Iraq for NBC News, says Friday’s bombing by American forces of Iraqi militants is a sign that involvement in that country is far from over.“‘All’s well that ends well,’ Shakespeare told us, but the U.S. involvement in Iraq did not end well – and we’re paying the price for it now,” he says. “Of course, our Iraq adventure began badly, too. It was based on the trumped-up rationale of rooting out weapons of mass destruction that did not exist. Then, from all accounts, there was too little attention to massaging a political peace to follow the initial U.S. military triumph.”President Obama authorized “targeted airstrikes” to protect U.S. personnel from fighters with the Islamic State, formerly known as the Islamic State in Iraq and Syria, or ISIS.  American military forces also could use airstrikes to prevent genocide of minority groups by ISIS militants.Bremen believes the American people in 2008 were “fed up with the whole thing” and elected President Obama, at least in part, on his promise to end the occupation of Iraq.“Obama followed the advice of the late Sen. George Aiken, whose solution to the Vietnam fiasco was to ‘declare victory and get out.’ But the centuries-old enmities in the Middle East just kept on smoldering.”Bremen points out that Iraqi Prime Minister Nouri al-Maliki – whom the Bush administration had handpicked – rejected the concept of building a secular, multiethnic democracy.“He persecuted Iraq’s Sunni minority and replaced Sunni generals with loyal – though not necessarily competent — fellow Shiites. Now they have folded under the onslaught of Sunni extremists who are fueled not only by their sectarian zeal but also by their battlefield successes in neighboring Syria.”last_img read more

Deery Brothers Automotive Group in 28th season as IMCA Late Model tour sponsor

first_imgIMCA Late Models have enjoyed tour title sponsorship of the Deery Brothers Automotive Group for the last 28 of their 33 seasons. The 498th event in tour history is scheduled Aug. 24 at West Liberty, with dates at Boone, West Burlington and Davenport completing the 2019 campaign. The largest retailer of new and pre-driven cars, trucks and vans in Iowa with 14 locations and more than 5,000 vehicles in stock, Deery Brothers again furnishes a portion of the $18,650 point fund to be paid to top 10 drivers in tour standings. WEST BURLINGTON, Iowa – The longest running Late Model tour in the Midwest nears another milestone, with the approach of the 500th event in Deery Brothers Summer Series history. Deery Brothers outlet and service centers are located in Ames, Cedar Falls, Iowa City, Maquoketa, Pleasant Hill, Waterloo, Waukee and West Burlington. Collision centers are located in Burlington, Cedar Falls, Maquoketa and Pleasant Hill.center_img The series champion earns a $5,000 share of that point fund. Six different drivers own wins through seven events so far this season and Darrel DeFrance of Marshalltown has maintained his perfect attendance streak from day one of the tour. “When you have been with a sponsor as long as we’ve been with the Deery Brothers Automotive Group, you celebrate a lot of milestones,” noted IMCA marketing and tour director Kevin Yoder. “Approaching our 500th series event is certainly some rare air and we couldn’t be more proud to fly the Deery flag over the track when it happens.”last_img read more

Lallana strike sinks Baggies

first_imgWest Brom head coach Pepe Mel watched his new side’s four-match unbeaten streak in the Barclays Premier League ended as Adam Lallana settled a match of little quality at Southampton. Press Association Any crosses were being well dealt with by the West Brom defence, most notably a whipped Luke Shaw ball that McAuley intercepted as Jay Rodriguez waited to put home. Steven Reid had West Brom’s first opportunity of the afternoon after 27 minutes, with his powerful long-range free-kick flying over. The Baggies soon had another set-piece after Dejan Lovren was booked for taking down Long, with the Ireland international receiving treatment as the resulting free-kick was punched away by Boruc. It was a rare period of respite for the visitors as Saints penned them back for the remainder of the first half. After Foster comfortably dealt with a long-range Lambert strike, the 31-year-old’s cross was flicked behind by McAuley as Rodriguez lurked at the backpost before both saw wayward long-range efforts fly over. The half-time break was a welcome relief to the 28,610 souls inside St Mary’s, although Saints came close to breaking the deadlock six minutes after the restart. The returning Youssouf Mulumbu was caught out by Rodriguez, who burst through the middle at pace and slotted just wide. Reid blocked a Davis effort moments later as Saints pushed for an opener, with McAuley blocking a Lambert strike as the hosts continued to press. Ramirez was brought on in a bid to add a creative spark, with his first impact to earn a free-kick from which he tested Foster. The Uruguay international had a more telling impact in the 66th minute, meeting a pass from Nathaniel Clyne with a delightful first-time flick for Lallana to slot past Foster. The Saints captain celebrated by showing a T-shirt wishing happy birthday to his mum, who will have no doubt winced when Jonas Olsson earned a booking for clattering her son. The West Brom defender joined team-mate Long in Howard Webb’s notebook, with the Irish striker joined in attack by Saido Berahino for the closing stages. Zoltan Gera and Matej Vydra followed the England Under-21 international on to the field as Downing looked to maintain his unbeaten league run. West Brom would have done just that was it not for Boruc, whose point-blank reaction save stopped Long directing home Liam Ridgewell’s low cross at the death. After 26 days of to-ing and fro-ing, the man that led Real Betis to seventh in last season’s Primera Division was named Steve Clarke’s successor on Thursday. Mel watched from the stands at St Mary’s on Saturday afternoon as assistant head coach Keith Downing took charge of the team for the last time – a match that saw his unbeaten league run as caretaker boss ended by a 1-0 defeat at Southampton. Mauricio Pochettino’s side deserved what was only their second league win in 10 attempts, despite failing to turn their first-half dominance into clear-cut chances. West Brom’s defence, led by the impressive Gareth McAuley, frustrated the hosts and it took Gaston Ramirez’s second-half introduction to change the match. The Uruguay international was sent off as the Baggies won 3-0 at St Mary’s in April, but had a more positive impact this time as his superb flick resulted in Lallana prodding past Ben Foster. West Brom attacked in numbers as they looked to snatch a draw, with only an exquisite reaction save from Artur Boruc preventing Shane Long netting a last-gasp equaliser. The point-blank stop showed just why the Poland goalkeeper was brought straight back into Pochettino’s side after missing six weeks with a fractured hand. Saints began the brighter at St Mary’s, with Lallana forcing Foster into the first save of the afternoon, albeit an easy one, after eight minutes. The Southampton captain was soon involved again as his chipped cross deflected kindly into the path of fellow England international Rickie Lambert, who, despite being off-balance, came close with left-footed strike across the face of goal. Steven Davis and Jack Cork had poor efforts from distance as Saints continued in the ascendancy, although without turning their dominance into clear-cut chances. last_img read more

Syracuse falls to another Top 10 opponent as No. 4 Notre Dame pulls away after halftime for win in Carrier Dome

first_img Published on January 4, 2015 at 3:10 pm Contact Sam: | @SamBlum3 Diamond Henderson didn’t hesitate at the rim when she gave Syracuse its first lead of the game on a coast-to-coast layup with two minutes left in the first half.Brianna Butler didn’t think twice about pulling up and hitting a 3-pointer on the next possession after a Notre Dame timeout to stretch the lead to four and SU’s run to nine unanswered.“We’re playing the No. 4 team in the country and you’re able to make two big plays back-to-back and be able to get up on this team,” Butler said. “It was definitely an energy boost.”But Notre Dame wasted no more than a minute in getting it all back. Brianna Turner finished an old-fashioned three-point play before hitting a layup on the next possession to secure the advantage back for good.It was that type of afternoon for Syracuse. Every time it went on a run, Notre Dame responded with one of its own. After a four-point loss to No. 1 South Carolina on Nov. 28 and a two-point defeat at the hands of then-No. 9 Baylor, No. 21 SU’s (10-4, 0-1 Atlantic Coast) 85-74 loss to No. 4 Notre Dame (14-1, 2-0) before a season-high attendance of 2,158 in the Carrier Dome on Sunday followed a similar script.AdvertisementThis is placeholder textBriana Day picked up her fourth foul under three minutes into the second half, Notre Dame began to pull away, and Syracuse couldn’t claw its way back into the game.“At the end of the day, we don’t have any moral victories,” SU head coach Quentin Hillsman said. “We come here to win every basketball game. I thought our kids played well, but we’ve got to start winning some of these Top 10 games.”After Butler hit a 3 to cut the Notre Dame lead to 46-44, the Fighting Irish got it right back on a Taya Reimer and-one, three-point play. It forced SU forward Briana Day to the bench with her fourth foul and 17:29 of game action still to go.Hillsman was forced to use a rotation of Amber Witherspoon and Bria Day to spell Briana Day’s absence. He even tried using a four-guard lineup with 6-foot forward Taylor Ford as the Orange’s most prominent post presence.The two-point deficit just before Day departed ballooned to 13. Notre Dame head coach Muffet McGraw said she was looking for her players to attack the post, and they did, successfully. Hillsman said Syracuse needed to do a better job of crowding the inside block with his forward out of the game.“It was very frustrating at first. It was just like ‘Dang, four fouls,’” Day said. “There was a lot of time to go in the game and I just didn’t know what to do.”It was Henderson, though, who almost single-handedly brought Syracuse back into the game with 13 second-half points. But each one of her big shots was answered on the other end.Twelve seconds after hitting a layup to cut the lead to 66-61, Kathryn Westbeld connected on one of her own. Henderson’s three-point play with 5:34 to make it 71-64 was answered six seconds later by Turner. After another Henderson and-one cut it to six, UND’s Jewell Loyd scored two of her 25 points on a layup just 22 seconds later.Henderson said she wanted to take the game over, but there wasn’t enough she could do to get Syracuse over the hump.In every close bout with a top team this season, either the opponent’s size or speed has taken over in the second half, Hillsman said.Syracuse outshot Notre Dame by 10. It had eight more offensive rebounds and forced four more turnovers. Basically everything about Syracuse’s game on Sunday went well, but it wasn’t good enough to get the win.“We’ve got to win games,” Hillsman said. “I think everyone’s going to remember how well we played for about another two minutes, and then tomorrow everybody’s going to know that we lost.” Comments Facebook Twitter Google+last_img read more

University to hold memorial service for Ming Qu, Ying Wu

first_imgA memorial for Ming Qu and Ying Wu will be held at 6 p.m. Wednesday at the Shrine Auditorium, President C. L.  Max Nikias announced Tuesday.Viterbi School of Engineering Dean Yannis Yortsos, Dean of Religious Life Varun Soni and Nikias are set to speak at the ceremony. Members from the Chinese Consulate General of Los Angeles and several students who were friends of Qu, 23, and Wu, 23, will also speak. A string quartet from the Thornton School of Music will provide a musical interlude.“We are all deeply saddened by these students’ tragic deaths,” Nikias said in a statement. “This will be an opportunity to come together and pay tribute to their lives, as well as their many accomplishments.”Wu and Qu were gunned down April 11 while sitting in Qu’s car outside of Wu’s residence on Raymond Avenue. Both of them were second-year international graduate students studying electrical engineering. Authorities have yet to arrest a suspect in the case. A $200,000 reward is being offered by USC and the City of Los Angeles for any information leading to an arrest and conviction in the double homicide.The families of the victims arrived from China on Saturday and are expected to attend the memorial. Wu’s family traveled from the Hunan province of China and Qu’s traveled from the Jilin province.Soni said the university wanted both families to travel to Los Angeles before he coordinated plans for the memorial.The memorial is open to the public, doors open at 5:20 p.m. and parking will be available on campus and at the Shrine.last_img read more

Dodgers can’t get right against lefties, fall to CC Sabathia, Yankees

first_imgThe lefties can be young or old, hard-throwers or remade soft-tossers like Sabathia at this point in his career. The Dodgers were also shut down by three left-handed relievers in Monday’s win and have gone 4 for 40 against left-handed pitching in the first two games of this series.“It’s every lefty. Once in awhile we’ll have a good day but it’s every lefty,” Gonzalez admitted.Roberts agreed, finding no commonality among the lefties that have troubled the Dodgers’ hitters – other than their ability to throw a baseball with their left arm.“It’s not a certain type,” he said. “If you look back, it’s been starters or relievers. (Cubs manager) Joe Maddon did it to us with (Trevor) Wood and their other lefty reliever. And the guys last night. So it’s not one particular type of lefty. It’s all of them.”Well, not all of them. The Dodgers have won all three games started by Giants ace Madison Bumgarner against them, batting .311 against his lefty slinging. Against every other left-hander they’ve faced, they have hit .208.“As we finish out the next 18 games, we’re going to see some left-handed pitching,” Roberts said. “And rightfully so.”It’s not just the next 18 games. The Dodgers’ potential playoff opponents – the Washington Nationals in the first round seem inevitable, the Chicago Cubs in the LCS a possibility – are no doubt scanning everything from the Class-A rosters in their systems to the concession stands for any able-bodied southpaw.“Well, we’ve got to win the games we need to win and if it comes down to it we’ve got to figure out a way to hit against them,” Gonzalez said. “I’m not going to look too much into it right now. But we’ve got to do a better job when it comes down to the playoffs.“We know we can do it. I just hope we do it when it counts.” NEW YORK >> Somewhere in Louisiana, Ron Guidry must be thinking about coming out of retirement.“Please, no,” Dodgers manager Dave Roberts said to that comic possibility, uncomfortable at the thought of even a 66-year-old left-hander facing his team right now.The Dodgers’ offensive struggles against left-handed pitching continued Tuesday night as CC Sabathia – 36, not 66, but still just a shadow (albeit, a large one) of his former Cy Young self – tamed the Dodgers, holding them scoreless into the seventh inning of a 3-0 New York Yankees victory.Scoreless for most of the night, the game was decided when Jacoby Ellsbury and Didi Gregorius hit back-to-back home runs off Dodgers reliever Ross Stripling in the bottom of the seventh. Or maybe it was really decided when the Yankees found a left-handed pitcher to start the game.“I don’t think you can. I mean, I just don’t think you can,” Dodgers first baseman Adrian Gonzalez said when asked to explain the Dodgers’ inability to hit left-handed pitching of almost any variety. “We just haven’t been good against them.”That might actually be understating how bad they have been against lefties. The Dodgers rank last in the majors in batting average, slugging percentage and OPS against left-handed pitching.Sabathia came into the game with a 1.36 WHIP overall and a 2-8 record with a 5.28 ERA in 13 starts at Yankee Stadium this season – a venue that favors left-handed hitters.“Every time we get a left-hander, we feel good about it and are optimistic,” Roberts said. “But it’s been a tough year against left-handers and the numbers, as they say – they don’t lie. I’ve got to look back at the video with CC but obviously it looked like he kept us at bay, off balance and we didn’t get many good swings against him. Regardless, we’ve got to find ways to produce baserunners and ultimately runs.”center_img Newsroom GuidelinesNews TipsContact UsReport an Errorlast_img read more