Are you worth opening? What your email efforts say about your brand

first_imgEmail marketing is an important instrument in the getting the word out. A vital tool to inform and engage members. Using email is second nature, using it correctly is not. Email as part of the communications strategy is one of the most effective digital strategies.  The tricky part comes when deciding what to send and how often. The great part about email marketing, while its low on the tech scale, it’s high on returns and always evolving. Let’s look at some of the ways to increase engagement, open rates, inspire action and build your credit union’s brand.What to do and How Often?When reviewing your outbound marketing strategies, it can be a difficult task to decipher how many emails to send out each month. This really depends on your message and what you are looking to accomplish. Finding the “Sweet Spot” will be helped along by shortening the email length to 50-125 or less and adding attractive graphics. Email content is getting shorter; however, experts advise not to lose the conversational tone. When it comes to finding the right email message and frequency, here are some suggestions to follow: Become more strategic in your approach: Is content relevant to your audience?Adopt a behavioral and trigger-based marketing approach: Sending emails based on member interactions with your credit union across multiple channels, especially your auto buying platform and other lead generation tools.Email at least once a month for maintenance and always provide value. Additional emails throughout the month: Send to targeted recipients based on their needs, not yours.Providing ValueUnderstanding what members want and when they want it, has been helped along by data collected from other online activities. What are members responding to in your social media campaigns and through lead generation? Hon in on how they are responding to your posts and incentives. While keeping the message short in the email, provide a link for members to gain more insight into an offer. Before hitting the send button, ask yourself, is this relevant to the member? Is it useful? When a member subscribes to your email list, it means they trust you enough and don’t mind giving you part of their time and attention. Provide value as a means of repayment. Another way to gain greater understanding is to run a member survey or offer a webinar on a specific topic. This will help break down your email lists for future targeting, by interest.Getting ResponseWhat financial products do you want members to learn more about, based on their interests? Support recent data collection by implementing strategies on those findings. If for instance you are planning a campaign on auto financing, circle the wagons with social media and in branch messaging before sending out the email. Compose your email with a question: You may have noticed we really want to get you into that new car! It’s intriguing, and you’re not selling…you are opening up a dialogue. The goal is to provide a direct link to the credit union’s auto shopping center at the height of the member’s interest. Use lead generation tools built into your auto buying site to immediately engage the member with an email. This is a behavioral email strategy and makes your interactions very personal. One of the challenges is getting members from point “A” in the message, to point “B,” action, as quickly and effortlessly as possible.  Don’t forget to support point “B” with a call to action, such as an incentive to sweeten the pot, but don’t rely on this as your main message.Open Me!Email open rates are also an area of great angst for marketers, we get annoyed when our results come back or are elated, sometimes something in between. Open rates are also affected by the time of day the email is sent, if you caught the recipient when they are cleaning out their email inbox, they liked the subject line but didn’t click through, the small graphic pixel placed within the email didn’t register because the recipient has chosen to open without graphics, many mail programs let you read what the email is about without opening; all this impacts open rates. Measure instead, sales, calls and visitor metrics to your website that resulted in your email campaign planting a seed.Brand BuildingConsistency is your credit union’s goal when utilizing email marketing to build brand awareness. Your credit union’s vision and mission is the key to making this channel a success. Do not treat email marketing as a numbers game, keep the messages about the needs of the member. For instance, newsletters are a great way to build trust and deliver a message the member is interested in. Be consistent, if your newsletter comes out monthly every 30 days, on a Thursday, make sure you hit that mark. Subscribers are engaged and are in the habit of receiving information when promised. Consistency with your email efforts will reflect positively on your credit union’s brand of being a consistent supporter of your member’s needs.Keeping emails on target with messaging, value and consistency will make your efforts attractive to members. This will keep them informed and your emails will become worthy of being opened, read and reacted to. 52SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Eric Budzinski Eric Budzinski is the AVP of Marketing for GrooveCar, Inc. He joined the company in 2015 after building a successful foundation in small business sales and marketing.   Eric can be … Web: www.groovecarinc.com Detailslast_img read more

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Upton throws in the towel over CNC

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Dutch monarchs interested in assisting in Lake Toba tourism development, minister says

first_imgThey also visited Siambat Dalan hamlet — a traditional Batak village — where the Dutch royals were welcomed with the gondang batak traditional dance and clothed in ulos, a type of traditional fabric that is the pride of North Sumatra, by the local cultural head.In the village, the king and queen also entered hundreds-years-old wooden traditional houses that are still used by the locals, and witnessed the process of manual ulos weaving. They also enjoyed the traditional Batak tor-tor dance and engaged with local cultural figures as well as residents.From Siambat, the Dutch monarchs visited the DEL Technology Institute in Balige and later took a speedboat to visit Ecovillage Silima Lombu at Onan Runggu, Samosir Island.Read also: North Sumatra gears up to welcome Dutch royals at Lake Toba Samosir regent Rapidin Simbolon welcomed the king and queen by presenting them with ulos clothes and a traditional lute.“We hope that King Willem-Alexander and Queen Maxima are happy to visit Samosir, although we could only give ulos and a lute. These are sincere gifts from the Samosir citizens,” Rapidin said, adding that he hoped the royals’ visit could help attract more European tourists to visit the area.North Sumatra Governor Edy Rahmayadi concurred with Rapidin, saying that the province was honored with the Dutch monarchs’ visit to Lake Toba.“With the Dutch king and queen’s visit, we hope Lake Toba will become more known to the world as a tourist destination,” Edy said, “We hope more foreign tourists are attracted and will pay a visit to Lake Toba, which subsequently will boost the local economy.” (gis)Topics : Dutch King Willem-Alexander has expressed interest in assisting in the development of Lake Toba in North Sumatra, which is among the Indonesian government’s top five destinations prioritized to boost tourism, a minister has said.The king and Queen Maxima visited the world’s largest volcanic lake and the surrounding area on Thursday as part of their itinerary during the four-day state visit to Indonesia.Tourism and Creative Economy Minister Wishnutama Kusubandio said the royal couple were very pleased to visit Lake Toba and that they had indicated an interest in helping Indonesia to develop the tourist magnet. “We will speak about the details with [Dutch] ministers. In general, the king and queen are amazed by the beauty of Lake Toba,” Wishnutama told journalists after accompanying the Dutch royals in visiting Lake Toba and its surroundings on Thursday.The minister went on to say that his office was ready to collaborate with its Dutch counterpart in various aspects, including for joint promotion to lure more tourist visits from the Netherlands, as he believed that the Dutch monarchs’ visit would have a positive impact on North Sumatra’s tourism.Read also: Indonesia, Netherlands sign US$1b worth of deals during Dutch king visitThe king and queen started their journey on Thursday by briefly visiting Singgolom Hill at Lintong Ni Huta village in Tampahan district, Toba regency, during which they took photos with Lake Toba in the background.last_img read more

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Weekly Update: Fighting the Opioid Epidemic, Expanding Apprenticeship Programs in PA, Helping Seniors Age at Home

first_img By: The Office of Governor Tom Wolf December 01, 2017 Making sure that children can go to the doctor when they’re sick shouldn’t be a partisan issue. Congress’ failure to reauthorize #CHIP is irresponsible and wrong — fund this critical program before any children suffer at the hands of this inaction. https://t.co/bDSQImKnjI— Governor Tom Wolf (@GovernorTomWolf) November 30, 2017 Weekly Update: Fighting the Opioid Epidemic, Expanding Apprenticeship Programs in PA, Helping Seniors Age at Home The Blog,  Weekly Update Expanding access and working to protect Medicaid has been an important step in Governor Wolf’s work to combat the opioid abuse epidemic. On Tuesday, the governor traveled to Independence Blue Cross in Philadelphia to highlight the successes made in the fight against opioid abuse in Pennsylvania.Governor Wolf announced a new apprenticeship program this week through the Department of Community and Economic Development. The program will enable more Pennsylvania employers to develop the specialized training their workers need to close skills gaps in the workplace, while also providing rewarding career pathways for students and adultsThe Wolf Administration has been working to help Pennsylvania’s seniors have more options to age in their homes. This week, the governor touted PA Link to Community Care and Community HealthChoices. These two initiatives to connect seniors to services and coordinated care in their communities.Ensuring that Pennsylvanians continue to have access to affordable health care is a top priority for Governor Wolf and his administration. This week, the Pennsylvania Insurance Department, the Department of Human Services, and the Department of Aging announced that that they will be offering enrollment assistance for individuals eligible for Medicare, Affordable Care Act plans, and CHIP on Saturday, December 2. The assistance comes as the Trump administration has worked to cut back on health care enrollment.“This year, the federal government shortened the ACA enrollment period, so my administration is doing all we can to make sure Pennsylvanians are informed and educated,” said Governor Wolf. “Time is running out – let us help you get the coverage you need.”On Wednesday, Governor Wolf released a statement urging Congress to reauthorize the federal Children’s Health Insurance Program (CHIP) with expired on September 30, 2017. Friday marked the 25th anniversary of CHIP in Pennsylvania and Governor Wolf’s administration marked the anniversary by hosting a press event to detail the progress and importance of the insurance program at the Penn State Children’s Hospital in Hershey.“There are 178,000 children in Pennsylvania who receive necessary health care coverage thanks to CHIP, which for 25 years has been focused on helping children and families stay healthy,” Governor Wolf said. “Washington has spent months ignoring the need to reauthorize this program. That must stop now. CHIP receives consistent bi-partisan support and Congress needs to act now before states such as Pennsylvania run out of funding and children are left without care.”On Thursday, Governor Wolf wrote to Pennsylvania’s United States Senators to warn of the $1.5 trillion deficit that would be created by the GOP’s tax bill. The deficit created by the bill would lead to cuts to Medicaid, Medicare, and Social Security and would increase taxes on middle class families.Governor Wolf’s Week, November 26, 2017 – December 2, 2017Monday, 11/27/17Governor Wolf Announces Five Fuel Saving Projects for Pennsylvania Schools, Businesses, and MunicipalitiesGovernor Wolf Appoints Obra Kernodle to Gaming Control BoardTuesday, 11/28/17Governor Wolf Touts New Online Tool, Program to Help Seniors Age at HomeGovernor Wolf Highlights Progress in Opioid Abuse Epidemic During Visit to Independence Blue CrossPennsylvania Remediates Three Former Industrial SitesGovernor Wolf Announces $5 Million in Safe Schools GrantsWednesday, 11/29/17Governor Wolf: Congress Must Take CHIP Kids Off Back-BurnerPennsylvania Establishes New Apprenticeship ProgramPennsylvania Revives Solar Initiatives to Boost Clean Energy JobsGO-TIME: Department of Aging and WITF Partner on Senior Programming and Continued Cost SavingsThursday, 11/30/17Wolf Administration Taking Lead on Health Enrollment after Trump Administration CutbacksGovernor Wolf Warns Tax Bill Deficit Opening For Cuts to Medicaid, Medicare, Social SecurityFriday, 12/1/17Governor Wolf Recognizes 25th Anniversary of Children’s Hospital Insurance Program, Urges ReauthorizationWolf Administration to Introduce Safe Opioid Prescribing Guidelines for Pediatric and Adolescent PopulationsHighlights from The BlogGUEST BLOG: Eight Tree Stand Safety Tips Hunters Should Know Before Heading to the WoodsNovember Jobs That Pay Update: Preparing PA for Tomorrow’s EconomyHighlights from TwitterThis is the letter I sent to @SenBobCasey and @SenToomey today on how the #GOPTaxBill is bad for Pennsylvania. Here are a few reasons why… pic.twitter.com/hDd16yLOO5— Governor Tom Wolf (@GovernorTomWolf) November 30, 2017 SHARE Email Facebook Twitter Like Governor Tom Wolf on Facebook: Facebook.com/GovernorWolflast_img read more

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BT Pension Scheme transfers £16bn of longevity risk in mammoth deal

first_imgRe-insurers only transact with insurance companies or banks.The scheme then transferred the longevity risk to its subsidiary before re-insuring this with PICA, with the policy forming part of the scheme’s investment portfolio.Arrangements for the transaction started around two years ago, when the scheme explored available options to reduce the levels of risk.Frank Naylor, CIO at BTPS, said the traditional methods of using insurance companies, which then in-turn re-insure their risk, did not provide enough capacity for the BTPS to achieve value.“Because of the size of the scheme, traditional routes were never going to be enough scale to make a difference,” he said. “So we creatively thought about how to access the re-insurance market more directly.”The subsidiary insurance company can also be used to reduce longevity risk further in future.PICA won a competitive tender after pitching against six other rivals, with appetite for longevity risk allowing the BTPS to go as high as £16bn, despite originally planning less.Chairman of trustees for the scheme, Paul Spencer, said the BTPS was delighted with how the arrangement worked.“The transaction significantly reduces risk and provides enhanced security for members,” he said.Ian Aley, senior consultant at Towers Watson, who advised the trustees on the deal, said that, while pension schemes are turning their attention to longevity risk, appetite from re-insurance markets is substantial.The need for re-insurers to take on longevity risk comes from a legacy of taking on large amounts of mortality risk, with the addition of longevity risk creating capital efficiency.Longevity risk now plays a larger part of scheme risks, given the de-risking nature in investment portfolios.However, a deal of this size again is unlikely given the lack schemes able to shift such huge amounts of risk in single transactions.“The approach of establishing their own insurers made sense because the BTPS understands the investment techniques involved and because the transaction was so large,” Aley said.“We do not expect this to become the standard template for transferring longevity risk.”Aley said predictions for a £30bn market in 2014 for longevity swaps and bulk annuities now seemed insubstantial given the deals seen in the first half.The previous record for a longevity swap was set by the Aviva Staff Pension Scheme, which transferred £5bn of risk to Swiss Re, Munich Re and SCOR Global Life, using its insurance company sponsor as an intermediary.Other de-risking deals seen in 2014 include buy-ins between the Total UK Pension Plan and Pension Insurance Corporation worth £1.6bn, and a £3.6bn deal between the ICI Pension Fund, Legal & General and UK insurer Prudential.Matt Wilmington, partner at Aon Hewitt, which advised BT, the scheme’s sponsor, said: “We have been talking for a number of months about the increasing capacity and appetite of the global reinsurance market to take on pension fund longevity risk.“Transactions like this and Total’s buy-in, where all of the longevity risk was immediately reinsured, serve to underline the scale of capacity available.” The BT Pension Scheme (BTPS) has insured 25% of its longevity risk as re-insurers continue to favour the UK market, with deals breaching the £20bn mark (€25bn) in 2014.US-based life insurer Prudential Insurance Company of America (PICA) will re-insure £16bn of longevity risk in a record deal more than three times larger than the previous.A longevity swap sees a scheme make regular payments to an insurance company based on expected mortality rates, with the insurer or re-insurer making payments back equal to payable pensions, thus taking on actual longevity risk.In a novel approach, the BTPS created a wholly owned insurance company subsidiary, allowing the scheme to access the re-insurance market directly and avoid paying fees to intermediary firms.last_img read more

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Geokon-Zagreb to Survey Seabed for LNG Terminal in Omišalj

first_imgGeokon-Zagreb has been engaged by LNG Hrvatska to conduct seabed investigation activities for the LNG terminal project to be located in Omišalj.The investigation activities will be conducted in the period from 16th of August until 25th of September 2017.Six Croatian vessels will carry out the survey, LNG Hrvatska informed.All investigation works have been approved by the Croatian Ministry of Sea, Transport and Infrastructure.The area of investigation will be visibly marked. During the execution of the works, all statutory supervisions and insurances will be applied.The beginning and completion of the activities will be reported daily and supervised by the competent Harbour Master’s Office, the company added.last_img

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But What About Medicinal Marijuana?

first_imgA number of supporters have said that while they are in total agreement with us about opposing the legalisation of marijuana for recreational use, they are wanting to know our position on medicinal marijuana.WHAT GROUPS LIKE THE GREENS, NORML AND THE DRUG FOUNDATION ACTUALLY WANTBy negotiating a referendum on marijuana, the Green party have done us all a favour by declaring the true intention of many marijuana campaigners – full legalisation for personal use. Groups like NORML and the Drug Foundation have used medicinal marijuana and decriminalisation as a smokescreen.And our MPs will soon be voting on a private members bill from Green MP Julie Anne Genter (shown above). While disguised as ‘medicinal marijuana’, it is effectively a subtle legalisation of marijuana – a grow-your-own-dope bill with very little control or safeguards. Even the media has labelled it that! An individual can become a dope grower/dealer for a relative or friend. And the qualifying medical condition criteria is very wide and subjective.WHAT DOES THE RESEARCH ACTUALLY SHOW?Two research reviews just published find only low-quality evidence that cannabis may help nerve pain and this wasn’t for smoking pot –  it was for oral mixtures sprayed into the mouth. No other realm of medicine considers “smoking” therapeutic. For example, we don’t smoke opium to get the benefits of morphine.Another recent report which reviewed findings from 79 different studies concluded that there was low-quality evidence suggesting that cannabinoids were associated with improvements in nausea and vomiting due to chemotherapy, weight gain in HIV infection, sleep disorders, and Tourette syndrome. There was moderate-quality evidence to support the use of cannabinoids for the treatment of chronic pain and spasticity. But cannabinoids were associated with an increased risk of short-term adverse events.In an editorial accompanying this study, Dr. Deepak Cyril D’Souza, a psychiatrist with Yale University’s School of Medicine, says that legalising marijuana for medical use may be jumping the gun before good quality evidence is in, and that if a pharmaceutical company, for example, wanted to get a drug approved for a medical condition and they only submitted anecdotal data, there’s absolutely no chance that that drug would be approved. And the big question, he says, is how routine daily use – the way one might use marijuana to treat a medical condition – affects the body and the brain over the long term. Concerns have been raised about memory loss, panic, paranoia and other severe disorders.Professor John Whitehall is Foundation Chair and Professor of Paediatrics and Child Health at the University of Western Sydney, and Associate Professor in the School of Public Health and Tropical Medicine at James Cook University. He spoke at our Forum on the Family this year.He warns (in this superb article):Can marijuana prevent fits? Despite the rare but exciting anecdotes, no one knows, because no reliable trials have been published anywhere in the world, according to the reputable Cochrane system of review. The drug has been available for medical purposes, including epilepsy, in California for almost twenty years and is now available in twenty-two US states, but there is nothing to report! Despite repeated claims of “potential” for the drug, there is silence, though all humanity is crying out for better anti-epileptic drugs. This silence could mean there is no convincing effect, or that the doctors who prescribe it have no idea of what is happening to their so-called patients. If it were a miracle drug, it could be expected that the purveyors of marijuana would trumpet statistical success.”Dr Whitehall argues that “anecdotes should not be the basis for medical policy” and says that a similar Queensland bill “subordinates medical standards to an anecdote-wielding lobby.”WHAT HAPPENS WHEN MEDICINAL MARIJUANA IS ALLOWED?A just-released study in the US published in the journal JAMA Psychiatry found that marijuana use and marijuana use disorders – in which people use the drug in unhealthy or abusive ways – increased at a “significantly greater rate” in states with medical marijuana laws than in states without the laws. The lead researcher from Columbia University’s Mailman School of Public Health said that these laws seem to send a message that use of this drug is safe and acceptable in some way. They said that possible adverse consequences of illicit cannabis use due to more permissive state cannabis laws should receive consideration by voters, legislators, and policy and health care professionals.Dr Gregory Pike is a Bioethicist and the Director of the Adelaide Centre for Bioethics and Culture (ACBC) who spoke at our Forum on the Family in 2015. He is the Chairman of the Board of the Australian Drug Treatment and Rehabilitation Programme, and a member of The Institute on Global Drug Policy.He warns that:“changing the image of cannabis by promoting it as medicine is powerful.  There doesn’t need to be much nuance in the idea that medicines are good and abstracted from that nasty business of “illicit drugs”.  The latter wreck lives whereas the former heal people. The image change gets into the collective consciousness and people start to think differently, gradually allowing a medical paradigm to overtake even strong contrary evidence of harm.”SO WHERE SHOULD WE GO FROM HERE?Family First is supporting further quality research into the components of the marijuana plant for delivery via non-smoked forms, and the establishment of a programme that allows seriously ill patients to obtain other non-smoked components of marijuana approved and listed by the Ministry of Health via their doctor.We support the NZ government’s cautious and researched approach around this issue, and we also support a compassionate response to those in real need.But the Green’s private members bill fails the test in terms of public health, public safety, and protecting our young people.Here’s our official policy….The rapid expansion of research into the components of the marijuana plant for delivery via non-smoked forms. (Supported by NZMA)The establishment of an emergency or research program that allows seriously ill patients to obtain non-smoked components of marijuana before final Ministry of Health approval, and at appropriate / realistic pricing.the Government instruct the Ministry of Health to update the prescribing guidelines for pharmaceutically based THC derivative medicines to include Sativex (and Elixinol) as a medicine under the Medicines Act 1981 and to continue to make pharmaceutically based THC derivative medicines available to treat serious medical conditions when traditional methods have failed.Prevent “designated agents” and so-called “dispensaries” that are fronts for marijuana stores and do not follow appropriate standards of medical care e.g. CaliforniaSAY NOPE TO DOPEBut we definitely oppose the legalisation of marijuana for recreational use. Hopes and lives go up in (marijuana) smoke.The grass is not always greener!We hope this clarifies the issue. Please consider signing our petition opposing any liberalisation of our drug laws.last_img read more

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Esther C. Mangold

first_imgEsther C Mangold, of Aurora, Indiana, passed away November 5, 2017 in Aurora, Indiana.She was born May 25, 1925 in Dearborn County, IN, daughter of the late James Irvin Cotton and Rebecca Wilkening Cotton.She was a lifetime member of Mt. Sinai United Methodist Church and also a lifetime member of Aurora VFW Ladies Auxiliary. She was a very talented seamstress. She made bridal gowns and also did alterations.. She was an excellent homemaker and enjoyed baking . She was especially known for her arts and crafts. Esther loved to read the Bible, her faith was very important to her. Esther loved her church family, but most of all, loved being with her family. She will be sadly missed.Surviving are son, Marvin (Winde) Mangold of Aurora, IN, Daughter-in-law, Linda Mangold of Aurora IN; grandchildren, Tina (John) Pruitt of Milan, IN, Vernon (Angela) Mangold of Aurora, IN, Jake Mangold of Patriot, IN, Bobby Joe (Amanda) Mangold of Aurora, IN., Crystal Shuler of Lawrenceburg, IN. Chelsea Jackson of Aurora, IN. and Courtney Jackson of Lawrenceburg, IN.; great grandchildren, Bobby Mangold Jr, Destinee Housemyer, Braeden Housemyer, Bethany Mangold, Malayna Mangold,  Katelyn Mangold, Tyler Mangold, Sean Pruitt, Wade Pruitt and Abbi Pruitt. She was preceded in death by Father, James Irvin Cotton, Mother, Rebecca Cotton loving husband of 46 years Clifford Mangold, Son, Vernon Mangold Sr. ,brothers, Dale Cotton and sisters Leona Brandt and Norma Cotton.Friends will be received Thursday, November 9, 2017, 12:00 pm – 2:00 pm at the Rullman Hunger Funeral Home, 219 Mechanic Street, Aurora, Indiana.Services will be held at the Funeral Home, following visitation at 2:00 pm with Pastor Lajo Dunbar officiating.Interment will follow in the Riverview Cemetery, Aurora, Indiana.Contributions may be made to the Family, Margaret Mary Hospice or Mt. Sinai Methodist Church. If unable to attend services, please call the funeral home office at (812) 926-1450 and we will notify the family of your donation with a card.Visit: www.rullmans.comlast_img read more

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Opening night for newly-sanctioned Bronco Motor Speedway is Friday

first_imgCLEVELAND, Texas – IMCA Modifieds will have another Friday night home in Texas beginning this weekend at Bronco Motor Speedway.Pit gates open early for out-of-town drivers traveling to the June 30 show at Cleveland. The grandstand opens at 5:30 p.m., hot laps are at 7 p.m. and racing starts at 8 p.m.Bronco is part of IMCA’s Razor Chassis South Central Region. Season championship night is Sept. 22.“There are a lot of IMCA Modified drivers in this area,” said speedway owner Jerry Brown. “They have been asking about sanctioning since I bought the track.”Promoter is Mike Cannon, whose family built the track 20 years ago.“We want to give Modified drivers in the area another Friday night option,” Cannon said. “I can remember when area tracks had full fields of Modifieds. That’s what we hope to accomplish again here.”Bronco re-opened earlier this month and has hosted three sprint car programs as well as regular Tuesday night test and tune sessions.The quarter-mile clay oval has been completely reworked. Concession stands – which come complete with barbecue – have been updated, as have restrooms and the souvenir stand.Live music and activities for kids at intermission will be Friday staples at Bronco. A big fireworks display, plus monster trucks, are on the July 7 card.last_img read more

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Leising: Online kindergarten-readiness program available for low-income families

first_imgStatewide—Indiana families can pre-register their four-year-olds for Waterford UPSTART, a free online kindergarten-readiness program for low-income families, now through Friday, Nov. 15, according to State Sen. Jean Leising (R-Oldenburg).Eligible counties in Senate District 42 include Decatur, Fayette, Franklin, Henry, Ripley, Rush and Shelby counties.The Indiana General Assembly helped make Waterford UPSTART available in Indiana during the 2017 legislative session. On April 29, Gov. Holcomb signed House Enrolled Act 1001, which renewed the program for two more years.Through Waterford UPSTART, children are taught early reading, math, and science through instructional hours, lessons, activities, books and animated songs. Participants follow their own personalized learning path, but must use the program at least 30 minutes a day, five days a week the year before entering kindergarten.“I strongly encourage eligible families in Senate District 42 to consider this free program,” Leising said. “UPSTART provides children with the essential tools needed to begin kindergarten and offers families resources to support their child’s success.” Families without internet or computer access are provided with a laptop and internet access. Additionally, families are partnered with a personal care representative who monitors each child’s progress. Access to live help by phone or email is available six days a week.Eligible children must have been born between Aug. 2, 2014, and Aug. 1, 2015, must live in an eligible county and must start kindergarten in 2020. To qualify:A family of two must have an annual income of $20,625 or less;A family of three must have an annual income of $25,933 or less;A family of four must have an annual income of $31,242 or less;A family of five must have an annual income of $36,551 or less;A family of six must have an annual income of $41,859 or less;A family of seven must have an annual income of $47,168 or less; andA family of eight must have an annual income of $52,476 or less.last_img read more

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