Auto loans are often referred to as the “bread and butter” of many credit unions, which is why Member Loyalty Group recently held a webinar entirely dedicated to sharing relevant data and best practices to help credit unions enhance the auto lending experience. Here are just a few of the highlights discussed during the event.Our CUSO has collected over 2 million member surveys on behalf of our 75 credit union participants and we have found that, beyond being an important product for the institution, there is a positive link between member loyalty and auto loans. As the chart below shows, members with auto loans had significantly higher Net Promoter Scores® (NPS) than members without auto loans.Higher Overall Satisfaction, Still an Opportunity to DifferentiateMembers rate the auto lending experience highest in terms of overall new product satisfaction, but there are still opportunities to use this key product experience to build relationships with members and differentiate your credit union.Two of the key drivers of less satisfied members are a lack of timely communication and a cumbersome process – things like having to resubmit paperwork or deal with multiple reps, simply requiring too much effort from the member. These frustrations are even more pronounced with younger members, the very demographic most credit unions are trying to build new relationships with during the loan process. In addition to the communication and process challenges they may face, younger members are looking for education and guidance to help them truly understand their financing options. This may be their first auto loan or loan of any kind.Eric Liesener, Loan Sales Manager for BCU shared his credit union’s success focusing on two aspects of the auto loan process during the webinar. By reducing the loan application time for the credit union’s overflow calls and focusing on building a stronger relationship with the member during the application process, the credit union has seen its Net Promoter Score rise dramatically (currently a 91.7 for the auto lending experience).Learn more about auto lending experience best practices by registering to view the full, archived webinar here.You can also learn more about Member Loyalty Group’s Voice of the Member programs by visiting www.memberloyaltygroup.com or contacting us at [email protected]up.com. 33SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jake Foreman Before joining Member Loyalty Group, Jake served as Member Experience Analyst for Idaho Central Credit Union where he managed their Net Promoter program. Jake’s passion for the Net Promoter … Web: www.memberloyaltygroup.com Details
Aug 8, 2007 (CIDRAP News) – Vietnamese officials said yesterday that the death of a 15-year-old boy last week was caused by H5N1 avian influenza, according to news services.The teenager died Aug 3 while being transferred from a hospital in his home province of Thanh Hoa to Hanoi, 95 miles to the north, according to an Associated Press (AP) report.Test results the next day showed the boy had avian flu, said Nguyen Huy Nga, director of Vietnam’s Preventive Medicine Department, the AP reported. Nga said the boy had had contact with ducklings bought from a local market.The boy’s illness marked Vietnam’s seventh human H5N1 case and fourth death from the disease this year, according to the AP and other news services. The country has had a total of 100 cases with 46 deaths since 2003.Five cases reported by Vietnamese officials have not yet been confirmed by the World Health Organization (WHO), whose current avian flu tally for Vietnam is 95 cases with 42 deaths. Overall, the WHO has logged 319 cases and 192 deaths.In an Aug 6 news briefing, a WHO official said Vietnam has been trying to ship samples from avian flu patients to the WHO but has run into delays because of its own and other countries’ rules governing shipment of biological materials.Vietnam was hit hard by human H5N1 cases in 2004 and 2005, but after November 2005 the country had no more cases until late May of this year, when a 30-year-old man from Vinh Phuc province tested positive for the virus.
The Hernando County Sheriff’s Office is searching for a man who allegedly dragged a dog behind his truck.Last Wednesday, police received a 911 call reporting that a dog was being dragged behind a truck traveling down a neighborhood road.Witnesses told police the dog was tied to the truck’s back bumper by a piece of rope that was attached to the dog’s collar.The dog, a 1-year-old pit bull terrier mix, was able to free itself from the collar.A witness at the scene helped the injured dog and took it for additional treatment, according to Hernando County Sheriff’s office.Following an investigation, deputies identified the dog’s owner as 58-year-old Gregory Tousignant.Witnesses told deputies that it appeared Tousignant was unaware the dog had jumped out of the bed of the truck.However, it is illegal to carry any pet in the bed of a truck that is not adequately secured and prevented from jumping out of a moving vehicle, deputies say.A county judge issued a warrant for Tousignant’s arrest on a misdemeanor charge of Cruelty to Animals on Wednesday, May 8.The dog is expected to make a full recovery, but deputies ask for the public’s help in locating Tousignant.Anyone with information on his whereabouts is urged to call the Sheriff’s office at 352-754-6830.
Guyana’s 50th Independence Celebration Committee (New York) has announced final plans for its one week “Guyana Jubilee Celebration NYC” from June 4-12, in the Tri-State area.This will be the largest celebration outside of Guyana.The celebration kicks off on Saturday, June 4, at 13:00h with an interfaith service at the York College Performing Arts Theatre, at 94-45 Guy R Brewer Blvd, Jamaica, Queens. This will be preceded by an inter-county cricket match at 09:30h, at the Idiewild Park Springfield Blvd & 149th Ave, Rosedale, Queens.A symposium on Guyana’s independence journey is planned for Sunday, June 5, at 09:00h at the York College Large Lecture Theatre, at 94-20 Guy Brewer Blvd, Queens, while on Monday, June 6, there will be an exhibition of Guyanese art from 10:00h at Aljira Centre for Contemporary Art, 591 Broad St, Newark, NJ.The following day, June 7, will see a live radio broadcast from the famous Sybil’s Restaurant at 13217 Liberty Ave, Jamaica, Queens, at 19:00h.On Wednesday, June 8 – which is Guyanese Volunteer Day – Guyanese medical doctors, nurses and lawyers will provide free medical and legal services at various locations in Brooklyn, Queens and New Jersey.Locations are listed on the Committee’s website, www.celebrateguyana50thinnyc.com.On Thursday, June 9, there will be the official flag raising ceremony at Newark City Hall Square, at 920 Broad St, Newark, NJ. This will be done by the Mayor of Newark, Ras Baraka.Friday, June 10 is “Invest Guyana” Business and Investment conference at 09:00h, at the Harvard Club of New York, located at 35 W 44th St, New York, NY.Speakers include Guyana’s Business Minister Dominic Gaskin, Finance Minister Winston Jordan, Natural Resources Minister Raphael Trotman, Public Infrastructure Minister David Patterson, Tourism Minister Cathy Hughes, Public Security Minister Khemraj Ramjattan, Social Cohesion Minister Amna Ally and Agriculture Minister Noel Holder.On Saturday, June 10, there will be the President Cup Soccer Tournament at the South Shore High School Park, located at 6565 Flatlands Ave, Brooklyn, NY (at the corners of Ralph and Flatlands Avenues) at 10:00h.The Black Tie, Red Carpet official Jubilee state dinner will take place on Saturday, June 11, at 20:00h, at the Sheraton New York Times Square Hotel and Towers, located at 811 7th Avenue & W 53rd St, New York, NY. Keynote Speaker is Guyana’s Head of State David Granger.The grand finale of Guyana Jubilee Celebration NYC, the Independence Parade, is on Sunday, June 12, in Brooklyn. The parade will start at 11:30h, at the intersection of Church and Utica Avenues and will proceed West to Ralph Ave, turn South into Ralph Ave and ends at Ralph and Flatlands Avenues – a 3.3 miles route.A grand after parade, unity concert will take place at 16:00h on Sunday, June 12, at South Shore High School Park, at 6565 Flatlands Ave, Brooklyn NY (at the corners of Ralph and Flatlands Avenue).The New York Jubilee Committee is asking all Guyanese to showcase the Golden Arrowhead (Guyana’s flag) during Guyana Jubilee NYC from June 4 – 12. For more information of the New York celebration, visit their website or call 929-263-2556 or 212-947-5115.
Back in 2012, more than 380,000 adult fall king salmon were forecasted to return to the Klamath River basin, giving anglers a sport allocation of over 67,000 fish. Both of these numbers were record highs, but boy, where have those good times gone? Riding the heels of a four-year drought and way too many water diversions to mention, the number of salmon predicted to return this fall has dwindled to 30,909, with a sport quota set at a very meager 1,110 for the entire Klamath River basin.The way …
Lindsey Vonn couldn’t wiggle her fingers or move her wrist. Understandably, she wanted to be reassured everything would be OK.A crash during training had left her screaming, then passing out from the pain, on the side of a Colorado mountain, 15 months ahead of the Pyeongchang Olympics. Just one of a series of serious injuries that has interrupted the American’s illustrious ski career, this required delicate surgery to insert a plate and more than a dozen screws into her broken right arm while …
CLICK HERE if you are having a problem viewing the photos on a mobile deviceSAN FRANCISCO–Since taking over as the Milwaukee Brewers general manager, David Stearns has quickly established himself as one of the brightest minds in baseball.Stearns has turned the Brewers into a World Series contender this season, but he won’t be constructing a similar turnaround for the San Francisco Giants. According to a report from Ken Rosenthal of The Athletic, the Giants were denied permission to speak with …
GAME ESSENTIALS: Raiders (5-4) vs. Bengals (0-9) at Oakland Coliseum on Sunday at 1:25 p.m. (PT)TV: CBS-TV, Greg Gumbel (play-by-play), Trent Green (analyst), Melanie Collins (reporter). ODDS: Raiders -10.5. OVER/UNDER: 48.5.SERIES: … Click here if you’re unable to view the photo gallery on your mobile device. Join us for live scoring updates, news and analysis Sunday afternoon when the Raiders eye their third straight victory when they take on the Bengals at the Coliseum.
According to the BBC News, some scientists have pushed back the evolution of photosynthesis a billion years earlier than previously believed, to 3.9 billion years ago. This is based on uranium-thorium ratios of rocks in Greenland that led Danish researchers to conclude that they were deposited under oxidizing conditions. Others are not sure the data warrant the conclusion. Dr. Roger Buick, an astrobiologist at University of Washington, is cautious about the claim, but admits, “The biochemistry needed for oxygenic photosynthesis requires lots of bacterial evolution. If their findings are correct, life was very sophisticated, very early on in Earth history.” Not only that, but it had to withstand pounding by meteorites that presumably decreased 3.8 billion years ago. “You would think those sorts of conditions would be pretty hostile to oxygenic photosynthesisers,” he said. “But life may be older and more robust than we thought.” (Emphasis added.)You would think that those sorts of conditions would be pretty hostile to astrobiological theory. But metaphysical naturalism may be older and more robust than we thought. Do you guys have any vague conception of how complicated photosynthesis is? And you want to push it back a billion years, making it magically emerge in brainless bacteria in the midst of a meteor terror war? Thank you, Roger, for your winning entry in Stupid Evolution Quote of the Week.(Visited 14 times, 1 visits today)FacebookTwitterPinterestSave分享0
Backstroke, breast stroke or even doggy paddle – it’s all welcome at the Midmar Mile, the annual gathering acknowledged by Guinness World Records as the largest open water swim on the planet. It’s a happy, vibrant community event, with champions swimming alongside newbies, and everyone out to have fun. (Image: www.midmarmile.co.za ) • Wayne Riddin Race Director Midmar Mile +0861 643627 [email protected] • A Mad Swim from Mozambique to Madagascar • World first for South African extreme swimmers • Swimmer’s memoir up for award • Midmar Mile’s 89-year-old finisher • ‘Human polar bear’ makes Himalayan swim for peaceMelissa Jane CookThe sun shone brightly, the atmosphere was charged, and just metres away from the lapping water, throngs of swimmers and supporters milled about, doing exercises, eating hot dogs, adjusting their swimming caps, slathering on sun screen, and all waiting in anticipation for their race to begin.It was time for the Midmar Mile, sponsored by aQuelle water, the world’s biggest open water swim. A momentous charity fund-raiser, it took place on 8 and 9 February this year. It is held annually in February at the Midmar Dam, north of Pietermaritzburg, in KwaZulu-Natal, and attracts thousands of individuals, from serious international athletes and Olympic medallists to recreational swimmers and disabled swimmers.In 2009, the event, in which 13 755 competitors finished the race, was recognised by the Guinness Book of World Records as the world’s largest open water swimming event. Its operations are among the most professional in the sport and its budget is the largest in the world.The distance swum is roughly one mile – Wayne Riddin, coach, administrator and the race director, says a unique feature of the swim is that while the distance covered is always a mile, depending on rainfall and the water levels in the dam, the distance swum varies from year to year. “In years with poor rainfall, competitors are subject to the infamous Midmar sprint start: a bedlam of bodies sprinting across the muddy lake-shore and through the shallows until the water is deep enough to swim.”Ridden, who has led the operations to a level unprecedented in the open water swimming world, was nominated for the 2012 and 2013 World Open Water Swimming Man of the Year award. “It’s extraordinary to see champion swimmers laden with medals swimming alongside novices. The atmosphere is so exciting and alive. Swimming is on such a high here, with much inspiration from Chad le Clos and Cameron van der Bergh.”Sadly, despite the many safety measures – on hand are 120 professional lifesavers, the South African police diving unit and the navy – a swimmer went missing this year and is presumed to have drowned. Johannesburg businessman Herman van Straten never returned from the water after taking part in Race 3 on Saturday. The search for Van Straten was continuing on Monday. In 2011, Nico Mellet, 45, drowned while swimming the Mile.HistoryRiddin says the race was first held in 1974, with 193 competitors. “Over the next 10 years this grew to over 1 500 people and it was proposed that the entries stopped at 2 500. I got involved 22 years ago as an organiser and there are now over 18 000 swimmers. The numbers are growing and international people traverse continents to participate.”The more social swim is for families on the Saturday, and the highlight is the competitive events on the Sunday. There is a swim for everyone: a family event, a company event, a non-company event, which promotes the development of swimmers, among others.On race day, to handle the vast number of competitors, five groups of swimmers, divided by cap colour, are set off in batches of people, 600 in each, three minutes apart. The cap colours determine whether the competitor is a novice swimmer, a champion or is bobbing in-between. The group division the swimmer is assigned to is based on a qualifying time in a previous qualifying event, with the fastest group leaving first. The range of age groups varies from five-year-olds to the more mature octogenarians. In all, there are eight events split over two days.Mother Nature was in a playful mood this weekend, and decided to turn the tranquil dam into a sea of swells. As a result, the under-13s were unable to participate, and others would have preferred lilos urging them on instead of mouthfuls of water and a course that constantly veered off line.CompetitorsEach event included champions and a phenomenal tenacity to succeed. Mentally impaired Craig Groenewald continued his remarkable Midmar Mile run, claiming his 15th consecutive victory in the disabled category. “The vibe and all the people is amazing. I enjoy open water swimming and I am getting into it more and more,” he said.At 81 years old, Mike Arbuthnot, founder of the event, is a Midmar Mile legend. He completed his 81st crossing and continued his run as the only man to have competed successfully in every Midmar Mile since its inception. Arbuthnot also congratulated the oldest female finisher, Lorna Cochran, who successfully completed her crossing at 90 years old.Chad Ho and Ashley Twichell were again the overall Midmar champions. Ho, 23, is a veteran of open water swimming, with various victories over the years in marathon swimming, including four consecutive wins before this year’s Mile.Entries for the seeding races this year had grown by about 15% and Ho said he was excited to see the direction in which the sport was moving in South Africa. “Definitely, I’m excited. I want to see the sport grow. I want to see development come through or local talent or youngsters coming up. So it’s exciting to see the potential emerging. Hopefully one day we’ll see someone else in my shoes, trying to go for five wins in a row, six in a row.”Twichell won a thrilling women’s race to take the title for the second consecutive year. The American finished in a time of 19:45, two seconds ahead of seven-time winner Keri-Anne Payne, the 2012 Olympic Games open water silver-medallist from Great Britain.PinkDriveCharity is a major element of the Midmar Mile which this year raised funds for the breast cancer community carer, PinkDrive. Its name was displayed on swimmers bodies. Bright pink costumes for women and swim shorts for men were the order of the day for people swimming in support of the public benefit organisation.PinkDrive is South Africa’s first mobile mammography and educational unit. To date, it has provided over 5 000 free mammograms, done over 54 000 clinical breast examinations, educated over 79 000 people about breast cancer, and distributed over 90 000 educational materials.Described as the most extravagant, innovative, comprehensive open water swimming event in the world, the Midmar Mile has it all. It’s a phenomenal magical space with thousands gathering in one beautiful location.Wendy Schulze, who has competed nine times, summed up the feeling: “So many people coming together, swimming together, the young and the old swimming side by side, children swimming with their parents for charities, this heightens the emotion. Days like this offer the perfect opportunity for reflection and immense fun, among a huge family of swimmers. It doesn’t matter if you are swimming back stroke, crawl or the Macarena to the end, there is always encouragement and a sense of achieving something extraordinary.”