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first_img 25SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr When you launch a new brand at your bank or credit union, all the glitz and glamour of the kickoff party and initial training feels pretty good (especially if you’re a former marketer like me). I remember the feeling well.I also well remember that the “new car smell” of the brand didn’t last for long. That’s not to say your brand still isn’t cool, vital and relevant after roll-out. Far from it. However, the real work in branding comes not so much before or during the launch but after the launch.It’s in the days, weeks, months and years after the launch of a new brand that the real labor comes into play. As a brand leader at your bank or credit union, it is your responsibility to reinforce (and sometimes enforce) brand standards. This means you won’t always be the most popular person at your financial institution. During spot-checks for brand adherence at branches, I was regularly referred to as not-so-nice names by staff. I had to grow a thick skin and so will you.Working as the brand enforcer, you’ll have to take a stand when it comes to sticking to what the brand represents. If you let little things (homemade marketing collateral, dress code violations, deviations from the consumer engagement plan, etc.) happen, your brand will slowly erode. It’s kind of like the loose string on a sweater we’ve all had. If you don’t snip that string and mend the ravel quickly, it can fall apart. The same principle applies to your brand. continue reading »last_img read more

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first_imgGoverning changes during crisis. Boards need to stay out of operational decision-making, yet they need to be aware of what is happening in the credit union. Awareness—even of bad news—is extremely important.As the effects of COVID-19 ripple across the economy, the board and management need good, up-to-date information on key financial issues that may change rapidly. You don’t want any surprises during turmoil, such as what’s happening in the wake of the coronavirus. Surprises can destroy trust between the board and CEO.A key to awareness is to develop and monitor systems of early indicators of financial changes taking place. In addition, with so much uncertainty, it is important for management to create a variety of projections based on different scenarios: best case, likely case and worst-case scenarios.Manage the Balance Sheet: Capital and DepositsA key to survival, now and always, is preserving capital (net worth). In recessions, the capital-to-assets ratio tends to drop rapidly. Why? Financial losses cause the dollar balance of capital to decline. But at the same time, growth in deposits can be a big contributor. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more

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first_imgThe event was held under the auspices of the Ministry of Tourism of the Republic of Croatia, the Ministry of the Sea, Transport and Infrastructure of the Republic of Croatia, the Ministry of Environment and Energy, the Central State Office for Sports of the Republic of Croatia, the City of Zagreb and the Environmental Protection and Energy Efficiency Fund. The partners were the Croatian National Tourist Board and the Zagreb Tourist Board. Representatives of the diving tourism community of the Croatian Chamber of Commerce, which gathers all diving centers on the Adriatic, pointed out that more should be invested in the promotion of existing wealth and work on joint promotion through events, professional gatherings and investment in modernization of the promotion. for diving) sought a chair more. Diving has been one of the most important activities in the tourist offer in the last 15 years, while we cannot imagine the protection of the seabed without divers, and scientific diving as well as other dives is also an important topic. Great emphasis is placed on the ecology and protection of the Adriatic Sea. It is diving clubs that keep our underwater world clean with their continuous underwater cleaning actions. Apart from them, cities that gravitate to tourism and life at sea and from the sea also give a great deal of cleanliness to the seabed. The local government has recognized diving and diving events as one of the essential marketing tools and platforms for promoting the destination and extending the tourist season. The common assessment is that diving, according to the profession, is not fully used, as one of the best and most profitable tourist products. In addition to tourism, the congress touched on promotions at all levels, ecology, the health aspect of diving and diving safety. For more than fifteen years he waited for the moment of gathering of the diving profession in one place which he had gathered 1st Croatian Diving Congress in Zagreb organized by the Diving Promotion Agency. The congress gathered more than four hundred participants from all parts of Croatia, but also from neighboring countries, who participated in numerous, educational and interesting panels and lectures.last_img read more

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first_imgTopics : Google Indonesia-waste-crisis indonesia-waste-management incinerator waste-to-energy Linkedin Log in with your social account LOG INDon’t have an account? Register here Facebook Fifteen years have passed since an avalanche of waste at Leuwigajah landfill in Cimahi, West Java, killed at least 147 people—a tragedy that was not unheard of in Indonesia, a country that produces 64 million tons of waste annually.The waste crisis has yet to see the light at the end of the tunnel. Garbage continues to pile up in landfills across the country, many of which will soon run out of capacity.The Bantar Gebang dumpsite in Bekasi, West Java, which accommodates some 7,500 tons of waste per day from capital Jakarta, is not an exception. It is predicted to reach its maximum capacity of 49 million tons by 2021.Rather than pushing people to reduce consumption and sort their own waste at home, the government is pinning its hopes on incinerators, also known as waste-to-energy power plants (PLTSa), to solve the problem.Sluggish progress … Forgot Password ?last_img read more

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first_img SHARE Email Facebook Twitter Governor Wolf Announces Tax Credits for City Mission Project in Washington, Pa. Human Services,  Press Release Harrisburg, PA – Governor Tom Wolf today announced that Commonwealth Cornerstone Group (CCG) has completed a $12 million New Markets Tax Credit (NMTC) financing transaction that will help fund a much needed expansion of the services provided for homeless men, women and children by the City Mission in Washington, Pa.“The City Mission in Washington performs a tremendous service by helping people who are struggling or who have limited ability to help themselves, such as people with mental illness,” said Governor Wolf. “Some of their buildings need to be rehabilitated, and others are being expanded so that more people can be helped. This project will put City Mission in a better position to help more people get back on their feet and gain critical life skills.”The facilities being built or expanded as a result of this project are numerous and include a men’s shelter and services center, a veteran’s residential facility, a women’s and children’s shelter, and a vocational training center.Each of these areas will receive enhancements greatly needed by the mission in order to continue and expand its services to homeless men, women and families. A new homeless veteran’s shelter will be constructed. Older buildings will be modernized and some facilities will be made larger so that more people can be helped to regain independent living. All of the changes and upgrades will improve City Mission’s capacity to offer life-changing programming, drug and alcohol counseling, job coaching, life skills training, counseling and case management.“These tax credits will provide capital financing used to build and renovate facilities that will offer hope to the homeless for decades to come,” said Dean Gartland, president/CEO of City Mission. “We have wanted to expand for years to meet the increasing needs of the growing homeless population in the region. This is our answer to the opioid epidemic that is sweeping the country. The funding is very welcome.”As a result of this project, two blighted buildings owned by the mission have been demolished to make way for a new, three-story veterans’ center. The facility will provide transitional housing for 22 homeless veterans. A newly constructed clinic and pharmacy on the first floor will offer veterans and other residents medical services free of charge.The mission’s Avis Arbor Women’s and Children’s Shelter is currently located in two buildings that are more than a century old. The buildings will be updated with new windows and exterior doors, updated bathrooms, new heating and cooling systems, and roof repairs. This will allow the shelter to expand from 6 units to 12, doubling its services to homeless families.City Mission’s Vocational Training Center will upgrade from a 4,875-square-foot building to a new 38,940-square-foot facility, greatly expanding its capacity to receive and process donations of clothing, furniture, electronics, books and housewares. The items are then made available for sale at City Mission’s seven Hidden Treasures Thrift Stores, as well as being given to low-income families and residents leaving the mission.The center and thrift stores provide an opportunity for residents to learn resume-enhancing skills in retail, distribution, supply, and processing, as well as helping residents learn “soft skills” so critical to maintaining employment. These include such skills as punctuality, time management, and decision-making. The center and thrift stores also provide 55 jobs for residents of the surrounding community.The men’s shelter, badly damaged by a fire in 2015, has been renovated and joined with an adjacent building to form an enlarged men’s shelter. It provides transitional housing for 119 homeless men. It includes residential areas, a kitchen, a 150-person dining room, and a state-of-the-art Career Training and Education Center. Due to the fire, this part of the project could not wait and has already been completed.“These tax credits will help the City Mission position itself to help people in need for decades to come,” said Brian A. Hudson Sr., CCG chairman and executive director of the Pennsylvania Housing Finance Agency (PHFA). “Buildings will be built, updated and enlarged. This project will allow the mission to multiply the impact it can make in Washington and throughout southwestern Pennsylvania.”CCG was created in 2004 by PHFA to serve as a nonprofit community development entity.This project is expected to generate 57 temporary, full-time construction jobs at a wage of about $20/hour. The construction will also support 13 indirect jobs. It’s estimated that, over the next three to five years, 61 new, full and part-time positions will be created by the mission. All of these positions will be filled by low-income or homeless people in the community and will pay an average wage of $10.87/hour. According to the MIT Living Wage Calculator, the living wage for an adult in Washington County is $9.70/hour. The project also will be retaining 110 existing full-time positions.About City MissionDuring the last 75 years, City Mission has grown its ability to supply residency based programs aimed at breaking the cycle of alcohol and drug dependency, serving the mentally ill, teaching life skills, and providing residents with supportive services and after-care to maintain long-term and sustained independence. Today, City Mission is the largest private shelter in the tri-county area with a current overnight capacity for more than 148 men, women and children. City Mission has more than 100 employees: 55 in business and 45 in programming, medical, and food services. It is guided by its board of directors.About Commonwealth Cornerstone GroupThe goal of CCG, through its administration of New Markets Tax Credits, is to fund projects in key areas of communities that have historic or cultural value and offer opportunities to spark economic revitalization. CCG utilizes NMTCs to provide loans and equity investments for business expansion, mixed-use development, and community facilities across Pennsylvania. Examples of past developments that have benefited from CCG’s investment of tax credits include Bakery Square in Pittsburgh, the Coal Street Community Facility in Wilkes-Barre, and Schmucker Hall in Gettysburg. Learn more at: www.commonwealthcornerstone.org/.About the New Markets Tax Credit ProgramThe New Markets Tax Credit Program was established by Congress in 2000 to spur new or increased investments in operating businesses and real estate projects located in low-income communities. The NMTC Program attracts investment capital to low-income communities by permitting individual and corporate investors to receive a tax credit against their federal income tax return in exchange for making equity investments in specialized financial institutions called community development entities, such as Commonwealth Cornerstone Group. The program is administered by the U.S. Department of the Treasury.center_img May 18, 2017last_img read more

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first_imgLifestyleRelationships 5 myths about men, singleness and marriage by: – March 26, 2015 Share Myth #1: Men are not pursuing women (or, men don’t want to be married)Truth: According to the Barna Research Group, 84 percent of Christians will get married at some point. Therefore, if you believe matrimony is sparked by the initial pursuit of a man, then 84 percent of men will pursue a woman in their life. This exposes the myth that men don’t pursue. So cheer up women! The odds are in your favor – you will most likely be married.Furthermore, in my social circles, the statistic is much higher. I’d postulate that 99 percent of my male cronies place marriage as an important goal. (My one friend who is adamant about maintaining his singleness can be the token, “Bachelor to the Rapture.”)Myth #2: Men are too pickyTruth: Actually, this stereotype has at least the potential to be true. Statistically, there are just more women in church than men. According to a Gallup poll, the average church in America is made of up 47 percent women and only 39 percent men.Sorry ladies, the fact is, there’s just not enough of us go around on Sundays! But seriously, this is not a good deal for you. It’s like attempting to win at five-card poker with only four cards.Even so, a theoretical increase in opportunity for us men doesn’t equate to us increasing our criteria for potential wives. What is true is that both women and men often write absurd non-negotiable lists for their future spouses. Lastly, it only takes one person to marry, regardless of which gender is dominant in church.Myth #3 It’s not painful for men to be singleTruth: Men also feel the sting of singleness. Biologically, we have the same number of pain receptors as women. And wasn’t it Adam who was originally alone in the Garden? Twice, the Bible states that God needed to create Eve because “no suitable helper was found.” Men need women as much as women need men.My solo-life has been an emotional roller-coaster. It’s had its advantages, like world travel. But if I take one more photo next to my buddy (and not my wife) at some arbitrary ancient ruin, I’ll consider joining a monastery in reprise.Let’s stop this madness. Singleness hurts us both because many of our hopes and dreams are wrapped in the blanket of marriage.At the same time, many women endure a unique pain that is tied to their time-sensitive dream of bearing children. Some men long to become dads as well, but their bodies don’t “tick” in the same manner. Guys need to understand and empathize with this clock.Myth #4: Singleness indicates men are immatureIf a certain woman desires to be married more than a certain man, it doesn’t make her more mature. It _only_reveals she wants to be married more! Where does Scripture claim that marriage is the litmus test for spiritual maturity anyway? It’s easy to forget that the apostle Paul actually warns about the dangers of marriage in 1 Corinthians 7.Certainly, some men should relinquish their adolescent thinking and limit playing video games. In a society of fatherless families and deadbeat dads, this is no surprise. These BAAM’s (Boys Acting As Men) need to be appropriately mentored. At the same time, I’ve met plenty of women who share similar juvenile thinking.Myth #5: The genders need to battleTruth: We are in this together. God created us male and female to complement each other and to reflect His Divine nature – not to battle. Let’s withdraw our fighting stance, therefore, and cease sparring. Instead of being enemies, let’s fight in unity the adversary Jesus mentions.We are dependent on each other – to be married, to have a family, and to enjoy intimacy. It will take both voices, singing in harmony, to figure out this relationship-enigma.familyshare.com Tweet 193 Views   no discussionscenter_img Share Share Sharing is caring!last_img read more

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first_imgThe Ripley County Middle School Cross Country Meet results.Boys Team Scores:  Jac-Cen-Del 26, Batesville 30, Milan 80, South Ripley 103Girls Team Scores:  Batesville 28, Jac-Cen-Del 29, Milan 85, South Ripley Inc.Ripley County MS CC Meet (10-2)Ripley County MS CC Meet Results Sheets (10-2)Courtesy of Eagles Coach Steve Narwold and Bulldogs Coach Derek Suits.last_img

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first_imgUWF Sweeps GSC All-Sports Trophy Honors Share May 11, 2007BIRMINGHAM, Ala. – For the second time in school history, the University of West Florida swept Gulf South Conference Men’s and Women’s All-Sports Trophy accolades. West Florida became the first school since 1999-2000 to win both championships. They claimed both All-Sports Trophies in 1997-98. West Florida became a full fledged NCAA Division II institution in the GSC in 1996.West Florida claimed its second consecutive GSC Women’s All-Sports Trophy, and third in four seasons with 68.0 points. Harding finished second with 59.5 points, while Valdosta State (52.0) and North Alabama (50.5) also hit the 50-point mark. Gulf South Conference titles in golf and tennis helped UWF seal the award. In the fall, soccer won the GSC Championship, and volleyball reached the semifinals. West Florida has won five women’s All-Sports Trophies, tying North Alabama for the second most in league history.The Argonauts won its first GSC Men’s All-Sports Trophy since 2002-03, and third overall. West Florida collected 54.5 points, just four points ahead of second place North Alabama. Valdosta State ranked third (49.5), while Harding (47.0) and Delta State (44.0) also earned 40 points. Three conference titles helped propel UWF to this year’s trophy. The Argos won their first ever GSC Championship in baseball this week. They won conference titles in golf this spring and soccer in the fall. Tennis and cross country finished second.The GSC will present the awards at its annual awards banquet on Thursday, June 28, at the Hilton Garden Inn in Pensacola, Fla. They will also recognize the “Top Ten” student-athletes and reveal the winners of the Commissioner’s Trophies. The awards are presented to the most outstanding male and female student-athlete, based on athletic, academic and extra curricular/community service criteriaPrint Friendly Versionlast_img read more

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first_img Advocaat was drafted in to help the Black Cats avoid relegation after Gus Poyet’s sacking and, despite losing his only game so far, at West Ham, Scotland striker Fletcher is upbeat about the run-in. The club lie just a point and a place above the bottom three with eight matches to go, but Advocaat has already made an impact. Steven Fletcher has been buoyed by Dick Advocaat’s early influence at Sunderland. Press Associationcenter_img “It’s been really lively since the new coach has come in; he’s a lively character and he’s brought that into the training sessions,” Fletcher told safc.com. “He wants us all to give 100 per cent and believes we’ve got the quality to turn our fortunes around and push up the league. “He wants us to play a lot more compact and push forward as a unit, and I think we did that in the last game because we won balls back and created chances. “We’ve got to remain upbeat and stick to the task at hand.” Despite their struggles at the helm, both Poyet and his predecessor Paolo Di Canio enjoyed early success against Tyne-Wear rivals Newcastle, and Advocaat has his own opportunity after the international break. “There’s no better game to turn things around in than the derby,” added Fletcher. “It’s a great first home game for the new coach, so we’re all looking forward to it.” last_img read more

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first_imgThomas Otu is also two wins away from the top prize as the former Nigeria number one ranked player defeated Emmanuel Idoko 6-3, 6-2. Otu will meet the winner of the game between defending champion, Sylvester Emmanuel and Emmanuel Sunday whose match were suspended due to poor visibility. The match was tied 1-1 and it will be completed Friday morning.In the men’s doubles semifinal, Clifford Enosoregbe and Nonso Madueke defeated Albert Bikom and Sunday Maku 2-6, 6-2, 10-5.“It has been a very tough championship as all the players are so much determined to go for the top prize. The match between Imeh and Babalola is a classic so also the match involving Moses and Lawal. It has been an impressive tournament by all standard,” Yusus Datti, the Chief Operating Officer of the tournament said.Datti revealed that the men’s singles champion for the tournament will be rewarded with N800,000 while the women’s champion will pocket N500, 000.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegram Top seed and defending women singles champion, Christy Agugbom beat Patience Onobamhoin to set up a final match showdown with Blessing Samuel as the 30th Dala Hard Court Tennis Championship draws to a close in Kano. Samuel, on her part, showed great composure to beat 2015 finalist, Sarah Adegoke 6-1, 5-7, 6-3.In the men’s singles, Joseph Imeh showed grit and determination to seal victory against Abdulmumin Babalola in an explosive encounter winning 3-6, 7-6, 7-6. His reward is a semifinal meeting with Moses Michael; the top seed outlasting Shehu Lawal 6-1, 0-6, 6-4 in another excruciating match.“This is undoubtedly one of the toughest match I have ever played in my career. Mumuni’s experience reflected in his game but I was so determined not to lose the game and in the end I won. We were both tired because we played so many games. I thank God I won in the end and I now believe I can beat anybody and win the tournament,” said Imeh, a former Nigeria junior player seeking his first national senior tournament title.last_img read more

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