I’ll admit that I was already an Amazon lover when my daughter’s calculator arrived the same day I ordered it. I wasn’t the first person to have this experience—probably more like the thousandth or millionth Prime customer to gasp at the wonderful efficiency. There was no escaping it—I felt “pretty damn special” (PDS). Though customer service continues to improve as most companies realize that social media can magnify the damage a distraught consumer creates, PDS moments remain rare.Credit unions have an unfair advantage here—they’re PDS institutions. Owned by members. Serving communities. People helping people. Despite this upper hand, how many PDS moments do your members experience each year? Hint—your latest loan rate promotion isn’t PDS. Your 1.35% dividend rate? Nope. Not PDS.One great area in which you can create PDS moments is a well-run, character- and content-driven youth savings account program. Whether you just started a program, have one in place or might be looking to develop one to help you connect with kids (as well as parents and families), here are a few ideas to get you started. Going MobileWhen most folks think about going mobile at a credit union, they immediately picture an online banking app. But just as loan rates aren’t going to create a PDS moment, a mobile banking app is now just the cost of doing business. The potential for a PDS moment certainly increases (e.g. my first mobile check deposit was pretty exciting), but most of the wow factor has been played out by now.If you’re aiming for a PDS experience, then you need to offer something more. Why not consider a mobile app for the kiddos that introduces basic money-smart concepts? Here are a few of ours to get your wheels churning. (Scroll down to find our four apps, or just search “Money Mammals” in any app store.)Now put yourself in parents’ shoes, and think about what it might mean to them when the mobile device not only holds the attention of a rambunctious child but also enriches him or her. Take a look at our “Needs vs. Wants” app, in which our intrepid star, Joe the Monkey, walks you through learning the difference between the two concepts. It’s a fun, educational way to teach your kids one of the core money-smart skills Parents Want HelpI have yet to run into a parent who doesn’t think teaching his or her kids about money smarts is a good idea. However, most parents don’t implement a plan of action. Or if they do, it’s not particularly well thought out. Imagine if your credit union could help bridge that gap between “yes, what a great idea” and actually doing something about it. Do you think that step might help differentiate you from other institutions in your area? You bet it will! And again, think about what being the institution that helps parents accomplish something so important means. PDS. PSA for PDSOne of our terrific partners, Service Credit Union, smartly reached out to its local PBS station to provide PSA-style commercials that not only promote its program but also provide some enriching food for thought for kids. Take a look at this example. Consider placing a call to local TV or radio stations. Many have competitive rates. Think about the difference you can bring to your community and to your brand when everyone else is touting commodity products and you’re aligned with your mission—“people helping people.”These are just three ideas you can use to set yourself apart as an institution looking to make a difference in your community. Most institutions just talk about being the Amazon of their particular niche. Start thinking of what folks might really want and how you can create a PDS experience.Good luck. 32SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Lanza John Lanza is the Chief Mammal of Snigglezoo Entertainment, and Creator of The Money Mammals. John created The Saving Money Is Fun Kids Club for credit unions nationwide and has … Web: www.themoneymammals.com Details
Press Association The 32-year-old striker will add the title of his country’s most-capped player to that of its record goalscorer when he passes the 125-mark he shared with Shay Given for less than a week in the World Cup qualifier against the Faroe Islands. However, he has no intention of resting on his laurels as he contemplates several more seasons at the coalface. Keane said: “I’m certainly enjoying it because you have to enjoy it. I love doing it, I love training every day.” Robbie Keane will win a record 126th Ireland cap on Friday night confident he still has another five or six years in his legs. He went on: “When you get older, your desire and your hunger are even more so because even though I don’t I am feel coming to end – because I am not, I still have another at least have five, six years left in me – you know you are not that young lad anymore where you are not too worried about future because you feel like you can go on forever. “I am certainly enjoying my football, there’s not question about that, but I always have. I am very privileged, there’s no question about that. I get paid to do something that I absolutely love doing. It’s not that bad, is it? “People forget I am 32 years of age, is not like I’m 34, 36 or whatever. People are talking about (keeper David) Forde being in the squad and he’s a newcomer, but he’s 33 years of age. I am a year older than Wes Hoolahan and he’s a newcomer; John O’Shea is the same age as me. “People talk about it because I have been around for so long. For me, I have certainly got no intentions at all (of retiring) at this moment in time. As long as I have the hunger and desire, there’s no reason for me not to. I will retire when I stop scoring goals.” For all Friday night will be a proud occasion for Keane and his family – his four-year-old son Robert will be mascot – he is focussing only on the quest for three precious points. He said: “It’s something that maybe in 10 years’ time, I will look back on and be very, very proud of. But when you are still part of the squad and you are still training and you are still looking forward to the game, it’s something you don’t really think about too much because you are focussing so much on the game. “It’s a big occasion for myself, but I think more so for the family. They are the ones who are speaking about it all the time and very, very excited about it whereas for me, the most important thing is playing the game and getting a result for the team.”
A noticeable increase in betting shops across the country has resulted in efforts to clamp down on unlicensed sites, in a bid to encourage responsible gambling.This was disclosed by Director General of the Ministry of the Presidency, Joseph Harmon on Wednesday during a forum hosted at Herdmanston Lodge organised by the Gaming Authority – a regulatory body for casinos, lottery companies and betting agencies.Director General Joseph HarmonHarmon acknowledged that there has been a multiplication of these gaming outlets and admitted that the Authority will be pressured to ensure that all outlets are in compliance with the requisite licensing. Adding to that, some of these gaming establishments were established in communities which are suffering from socioeconomic constraints.“With our economy moving at the pace at which it is moving, I can only anticipate that it is going to be a tremendous pressure on the authority for licenses to open gaming establishments. What I have also seen that there is a proliferation of these betting shops all across Guyana. I trust that the Gaming Authority takes this responsibility of ensuring that these entities are properly regulated and that they operate within the confines of the laws of Guyana because they cannot escape notice that some of these operations are in some of the especially challenged communities of our country,” he stated.Chairman of the GamingAuthority, Roysdale FordeThe Director General insisted that operators and consumers of these establishments should be engaged on the negative impacts of betting and gaming sites. Adding to that, frameworks will provide additional support to ensure responsible gambling.“The Gaming Authority has a responsibility to ensure that the public and operators of gaming establishments are aware of not only the positive but also the negative impacts that gaming can have on an individual and our society in general. This is necessary so as to assist owners in appreciating the need for a systems and policies that will support responsible gaming and gambling.”Harmon insisted that the Authority is staffed with enough persons to warrant adherence to their standards. At present, there is much to be done.“In order to ensure responsible gambling in Guyana, all stakeholders within the gaming industry would have to accept their respective roles in upholding the agreed-upon principles and standards. I’m aware that much more needs to be done but I’m confident that we have the right personnel in place to do that job,” he said.Meanwhile, Chairman of the Gaming Authority’s Board, Roysdale Forde informed that there haven’t been any new applications for this year thus far. However, they continue to process those that were delivered prior.“We received no new licenses for this year. We’re processing applications that were made previously…The Gaming Authority, as a licensing and supervisory authority for gaming in Guyana is aware of the positive and negative effects of gambling and is also aware of the responsibility to bring awareness to all the stakeholders, both the operators and the public, and to put in place measures on agreed principles that would impact and ensure that there is a safe, fair and responsible gaming experience,” Forde stated.Last December, the former State Minister had positioned Government’s decision to better regulate gaming and betting, as it was concerned over “looseness” in the sector. As a consequence, new legislation was being looked into at the level of the Legal Affairs Ministry.Harmon was at the time being questioned about increases in allocations to the Gaming Authority, under Details of Subsidies and Contributions to Local Organisations, during the first day of scrutinising the budget 2019 estimates.The budget estimates show that the Authority’s budget went from $21 million in 2018 to $40 million in 2019. Acknowledging that funding has indeed been boosted for the Authority, Harmon cited examples of persons operating without licenses.