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first_imgI’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 Detailslast_img read more

first_imgPittsburgh Steelers wide receiver Antonio Brown (84) is forced out of bounds by New York Jets’ Dawan Landry (26) during the second half of an NFL football game Sunday, Nov. 9, 2014, in East Rutherford, N.J. The Jets won the game 20-13. (AP Photo/Bill Kostroun)PITTSBURGH (AP) – The only thing worse for the Pittsburgh Steelers than talking about their latest baffling setback may be reliving it.“We’re going to look at it and just slap ourselves on the head because there’s so much left out there,” guard Ramon Foster said. “You can’t make excuses for it. We’ve just got to swallow it up and move on.”The quicker, the better.All the feel-good mojo generated by a three-game winning streak evaporated in three dismal hours on Sunday in a 20-13 loss to the woeful New York Jets. Somehow, the same team that put up a combined 124 points during victories over Houston, Indianapolis and Baltimore needed a last-minute touchdown just to reach the end zone once against one of the NFL’s worst teams.There were turnovers, blown chip-shot field goals, a nonexistent running game and some curious playcalling. There were missed tackles, missed opportunities and another mysterious performance against an also-ran.Somehow the Steelers (6-4) are 0-2 against the Jets and the Tampa Bay Buccaneers, two teams who are a combined 1-16 against everyone else.“It’s the NFL, if you don’t show up ready to play your type of game, you’re going to lose,” Steelers wide receiver Lance Moore said. “Our last game was a perfect example of that. We’re hot. We came in high and mighty and a team came in and played better than us.”It wasn’t difficult.New York, which hadn’t led anyone in nearly a month, was up 17-0 at the end of the first quarter as the record-breaking Pittsburgh offense morphed back into the erratic, sputtering version that marked its inconsistent play through September and much of October.The Steelers gave it away four times, including a fumble and a muffed punt by usually surehanded wide receiver Antonio Brown. Quarterback Ben Roethlisberger tossed a pair of interceptions, including a mystifying lob over the middle into triple-coverage with Pittsburgh in New York territory early in the third quarter.“I made a bad throw,” Roethlisberger said.One that dulled some of the brilliance of Roethlisberger’s recent play. He passed for 343 yards but was also sacked twice and spent a significant portion of the game under steady pressure.“We turned the ball over,” Roethlisberger said. “If you turn the ball over it will kill you. You have to give them credit. They played well and we didn’t play well enough.”Oddly, it was the Jets and not the Steelers who took the field with a sense of urgency. Even trailing by three scores in the fourth quarter, Pittsburgh methodically went about its business, preferring not to hurry things up even as time slipped away.Maybe they were simply too stunned. New York came in on an eight-game losing streak, many of those losses in which the Jets weren’t even competitive. That all changed on a balmy early November afternoon in which the Steelers squandered a chance to move into first place in the packed AFC North.As the errors piled up, Pittsburgh didn’t get frustrated, but the Steelers did start to press. Brown began the day with just one fumble on the season despite more than 80 touches. He gave it up after his right arm was hacked from behind by New York’s Muhammad Wilkerson on a quick screen late in the first quarter. Jets safety Jaiquawn Jarrett jumped on it at the Pittsburgh 20. Five plays later New York was up 17 points.Brown tried to catch a Jets punt on the run late in the first half only to have the ball bounce through his arms. New York recovered but missed a field goal, not that it mattered much in the final outcome.“Trying to get us going, get a spark in the game,” Brown said. “Got to make smarter decisions.”So do his teammates. Pittsburgh knows it must find a way to close out beatable opponents beginning next week at Tennessee (2-7).“We’ve got to find a way to get it done,” Brown said. “Can’t get complacent. Got to buy into the details and detail work. We don’t carry luggage. When the week is over, we singularly focus on the week in front of us. We just didn’t get it done. We’ve got to be better.”___AP NFL websites: www.pro32.ap.org and www.twitter.com/AP_NFLlast_img read more

first_imgSay that title five times, and you’ll be as flummoxed as geologists reporting in Science1 last week that long-believed assumptions are wrong.  They looked at three seamount chains in the Pacific, long thought to provide evidence of tectonic plates moving across stationary hot spots, and found that current theory cannot account for them:Our findings influence our views of oceanic intraplate volcanism and absolute Pacific plate motion: (i) The textbook explanation for intraplate volcanism by fixed hot spots is either entirely wrong or insufficient to explain these phenomena.  (ii) Hot spots are likely not to be stationary, but move with the convecting mantle.  (iii) Non-hot spot/plume models have to be considered for explaining intraplate volcanism, whereby local lithospheric extensions are likely to be an important candidate.  (iv) Furthermore, absolute Pacific plate motion, for the time period between 80 and 47 Ma, is extremely poorly constrained.  It is not clear if any of the three HEB-type bends on the Pacific plate are caused by a change in plate-motion direction, and it is similarly uncertain if the plate moved NW (along an extended Hawaiian trend) or NNW as indicated by the Emperor seamount trail.   (Emphasis added in all quotes.)Their three alternative explanations were only tentative: “Overall, plate extension is the strongest alternative among our three options, but there are very few arguments or clues that positively identify any particular explanation.”1Koppers and Staudigel, “Asynchronous Bends in Pacific Seamount Trails: A Case for Extensional Volcanism?”, Science, Vol 307, Issue 5711, 904-907, 11 February 2005, [DOI: 10.1126/science.1107260].What?  The textbooks are wrong?  But the pictures were so artistic, and the TV programs were so convincing, how could this be?  Take your pick: current theory is either entirely wrong or insufficient to explain the observations.    See also the 04/02/2004 and 11/02/2002 entries about the hotspot paradigm shift going on.  What this one adds is that there is no good replacement theory, and the admission “there are very few arguments or clues that positively identify any particular explanation.”  So shouldn’t the geological community be open to some fresh out-of-the-mainstream perspectives?(Visited 7 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

first_imgFunding basic public services “We are mindful of the fact that even though transfers to municipalities have increased strongly over the past five years, service delivery problems persist,” Gordhan said. The government has acknowledged that while progress has been made in the transformation of local government, there is still a long way to go before all municipalities in the country are fully functional and sustainable. The Industrial Development Corporation will play a key role in the implementation of the government’s Industrial Action Plan soon to be unveiled by Trade and Industry Minister Rob Davies. Gordhan said the government had taken steps to equip development finance institutions to step up their lending to municipalities, land reform programmes and businesses in distress as result of the financial crisis. A guarantee of R15.2-billion has been approved for the Development Bank of Southern Africa, enabling it to extend capital to poor municipalities for infrastructure projects. A further R2.5-billion will go to the Municipal Infrastructure Grant to help municipalities address issues of aging infrastructure and to improve provision of services. Municipalities countrywide have been the subject of fierce criticism, something believed to have sparked widespread service delivery protests. Some have cited issues of budget shortfalls as causing a lack of service delivery. Delivering a Budget totalling R907-billion, Gordhan said the country’s municipalities would receive an additional R6.7-billion through the local government equitable share to help them cushion poor households from the rising costs of electricity and water. Last year, government approved a strategy to turn around local government. The strategy aims to respond to both internal problems such as transparency of procurement systems as well as external factors.center_img 17 February 2010 A sizeable number of municipalities countrywide were cash-strapped in the past financial year as most families in poor households battled to pay for services. The equitable share funding allows municipalities to supplement their revenue in order to achieve the intended access to basic public services for communities. Gordhan said his department was working with the Department of Co-operative Governance and Traditional Affairs to ensure that the higher spending allocations to municipalities translated into real improvements in people’s lives. Development finance Delivering his maiden Budget speech in Parliament in Cape Town on Wednesday, Finance Minister Pravin Gordhan announced a R55-billion allocation to South Africa’s cash-strapped municipalities for 2010/11, set to increase to R78-billion in 2012/13. “We need better alignment between provincial government budgets and national priorities,” he added. Municipalities: long way to go Source: BuaNewslast_img read more

first_imgShare Facebook Twitter Google + LinkedIn Pinterest Just under 100 of some of the nation’s who’s-who of agriculture have been selected to serve on Donald Trump’s Agricultural and Rural Advisory Committee. The list includes two Ohioans: Fred Yoder of Plain City and Bill Richards of Circleville.Bill Richards, left, being recognized by ODNR.Richards is a well-known advocate of conservation and no-till both around the country and on his home farm in Pickaway County where he was among the first in the world to work with no-till. He is a former chief of the USDA Soil Conservation Service and a longtime leader in Ohio agriculture. In 2009 he was named the National No-till Farmer of the Year.Fred Yoder is a past state and National Corn Growers Association president and is another widely recognized leader in Ohio agriculture. In 2013, he was recognized by President Obama as a “Champion for Change” that honors Americans for doing extraordinary things in their communities to out-innovate, out-educate, and out-build the rest of the world. Yoder has testified on behalf of farmers before the U.S. CongressFred Yodernumerous times and serves as an advocate for agriculture locally, nationally and internationally while working to advance grain farming and opening world markets. Yoder grows corn, soybeans and wheat using conservation tillage. He also operates a retail farm seed business, selling a variety of seeds. The farm has become multi-generational, with the family starting Yoder Ag Services LLC.last_img read more

first_imgBy HLundgaard (Own work) [CC BY-SA 3.0 (http://creativecommons.org/licenses/by-sa/3.0)], via Wikimedia CommonsWith the recent news of credit card fraud, the mobile phone industry has made a big push to get behind mobile payment. Mobile payment has been touted as a way to reduce credit card fraud because the cashier doesn’t have access to a physical card that would contain an individual’s name, credit card number or security code.If you are thinking about beginning to get in to the mobile payment system, but still concerned about security and fraud, here’s what you need to know.The two major smartphone platforms, Apple (Apple Pay) and Google (Google Wallet) have implemented their solutions in order to address credit card fraud. Apples system launched in 2014 while Google’s launched in 2011. Following are the details of how each addresses security and fraud.Apple Pay implementation of mobile payment security is to combine near-field communications (NFC) technology for payment processing and the iPhone Touch ID fingerprint reader or passcode for security. Your bank payment network creates a unique device account number specifically tied to the phone and to the credit card added. In the event of theft or a lost phone, you can place your phone in lost mode to suspend Apple Pay transaction. Apple Pay is reactivated once you unlock your phone with your pin code.Google Wallet implementation of mobile payments also uses NFC technology for payment processing but instead of a fingerprint reader like the Apple Pay’s implementation, you use a PIN that only you know. Google stores your credit card information on its server and transmit the encrypted data using secure socket layer technology. Google Wallet Fraud Protection covers 100 percent of all transactions. In the event of theft or a lost phone, you can go to the Google Wallet website and remotely disable your phone.Both Apple and Google offer similarities in how they address credit card fraud. They both use NFC which means that the phone and the receiver have to be very close to each other in order to begin the financial process transaction. They also implement security on the phone through the use of either fingerprint reader and/or passcodes. Both companies utilize tokenization which allows the credit card number to be unique and transaction specific. With the mobile payment industry expected to account for up to 50 percent of all U. S. digital commerce by 2017, these companies are aggressively promoting their platform as a way to provide consumer confidence in mobile payments as a measure in increasing security and preventing fraud.Author: Terrence Wolfork (+Terrence Wolfork,@trwolfork )This post was published on the Military Families Learning Network blog on April 30, 2015. This work is licensed under a Creative Commons Attribution 3.0 Unported License.last_img read more

Pique insists Barca can cope without Messi

first_imgBarcelona defender Gerard Pique believes the club can cope with the absence of talisman and captain Lionel Messi due to injury.The Spain international acknowledged the absence of Lionel Messi will be a blow but insists the team can cope without their superstar.Messi is expected to miss three weeks after fracturing his arm in Barca’s 4-2 win over Sevilla in Saturday’s Spanish league clash.After setting up Philippe Coutinho for the first goal of the game and scoring himself, the Argentine superstar landed heavily on his right arm before leaving the field in the first half at Camp Nou.Messi will miss next weekend’s Clasico against struggling Real Madrid, as well as Barca’s UEFA Champions League fixtures against Inter Milan.FC Barcelona, Valencia CFMatch Preview: Barcelona vs Valencia Boro Tanchev – September 14, 2019 Is derby time in La Liga, as Barcelona welcomes Valencia to the Camp Nou Stadium tonight at 21:00 (CET).“Psychologically we know that when he is there we are stronger but we cannot allow his absence to affect us,” Barca centre-back Pique said, according to FourFourTwo.“It makes a big difference to have or not to have him but we have enough cover so as not to worry about whether he is there or not.”Messi has scored seven league goals for the Catalan club this season and 12 in all competitions.“We will try to make sure Leo’s absence is noticed as little as possible,” Barca midfielder Ivan Rakitic added.last_img read more

Nikiski Spring Cleanup May 1119

first_imgJust last week the sixth annual Kenai River Spring Cleanup collected 2,330 lbs of trash from Soldotna-area parks. Hundreds of students participated in the annual clean-up effort. Alaska Waste has volunteered to pick up the bags on May 20th. They will pick up bags on the main highways in Nikiski throughout the week. The Nikiski Spring Cleanup will run from May 11-19.  The week-long event is sponsored by the Nikiski Community Council and the Nikiski Rec Center. Volunteers can stop by the Rec Center and pick up designated bags and sign up to be entered in a drawing that will be held during Family Fun in the Midnight Sun.center_img Both the Kenai and Soldotna Chamber of Commerce also distribute little yellow bags to local volunteers dedicated to making the Kenai Peninsula a cleaner place to live. Shannon Davis, Executive Director with the Soldotna Chamber of Commerce: “Don’t be shy about coming in and picking up some of those clean-up bags.”  Facebook0TwitterEmailPrintFriendly分享Spring cleaning isn’t just for your home — it’s for the community we call home, too. Local organizations are inviting volunteers to pitch in at cleanup events throughout Nikiski starting on Saturday.last_img read more