If your brand isn’t resonating, check your culture

first_imgTo build an authentic brand, you need an authentic culture. It is quite straightforward. If your employees do not believe what your organization says it is about, your brand will be inconsistent. Most people work for a paycheck, and that is a perfectly valid reason for someone to choose a place of employment. But organizations perform better when employees believe in the work they are doing. No one is authentic when following someone they do not believe, and no one interacts authentically with members and stakeholders when they do not buy into what an organization says it is about. Most of us do a decent job of faking it at work when necessary because we want to pay the bills. This does not mean employees will be providing bad service if they do not believe in your business model; but it may not be the best service. Engaged employees are more innovative and more interested. Attitudes translate in member facing interactions. Even the behind the scenes work can affect the member experience in a way that can negatively or positively impact a brand. A slow or inaccurate back office provides an inconsistent member experience. Your credit union may be able do just fine with a basic brand. But consumers come back to brands that resonate with them. Financial institutions offer commodities, so in an increasingly competitive environment, it makes sense to try to stand out. Social media has opened up a world of social responsibility. Community consciousness has become particularly important to the younger generations that will be the future of the industry. Members now care more about what goes on behind the scenes than they did in the past, because they have more access to that information. Authenticity means what you are trying to say about yourself in your marketing matches the decisions made in the board room and your employee experience. A brand is the reputation of an organization. A brand is what people say, think, or feel about an organization. Sometimes we reduce the brand to the components that make up a visual identity.  For example, we associate a brand with its logo and color scheme. But your brand is not simply aesthetics. Your brand is the intangible associations that your member’s mind conjures up when they hear your name or see your logo. Brand names are fascinating. Pause to think of the names of your favorite companies and try to dissociate the name from what you know about the product, logo, or service. You begin to realize the words without the associated meanings and brand implications are meaningless and strange. An organization’s name, logo, color schemes, and marketing collateral are empty until they are filled with concepts, consistency and reputation. We like our favorite companies because we have come to expect a certain level of quality and consistency from their product or service. The visuals just become the identifier. Marketing is a tactic; it uses words and images to communicate the message of what the organization represents. Marketing supports, but does not create your brand. A brand that resonates with members is the one that is consistent with your credit union’s internal vision and values. In order for members to believe in your brand, your vision and values need to be lived out in organizational decisions. The heart and soul of your credit union’s decisions, internal interactions and operations are your brand. Projects that don’t align with the reason you exist should be dumped, no matter what other financial institutions in your market or elsewhere are doing to stay competitive. Programs cannot make up for values that are not lived out in leadership. And whatever else you communicate externally will be inconsistent. If your decisions are built around something other than your mission and values, those decisions are really your brand. If your strategic plan is aimless, that is your brand. If you tolerate internal inequities, that is your brand. If you prioritize enforcing policy over problem solving for members, that is your brand. Consistent messaging starts from the inside and works its way outward. Inconsistent messaging is bland, not believable. And if your brand is not resonating, that may be why. 8SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Sarah Marshall Sarah Marshall is a consultant in the credit union industry, and can be reached for partnership and speaking opportunities through Your Credit Union Partner. Her background in community development includes … Web: https://yourcupartner.org Detailslast_img read more

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Studies show coffee can reduce risk of liver cancer

first_imgA study presented at the annual meeting of the American Association for Cancer Research this week found that increased coffee consumption may reduce the risk of developing hepatocellular carcinoma, the most common type of liver cancer.The study was funded by the National Cancer Institute and compared those who consumed fewer than six cups of coffee per week, those who drank one to three cups per day and those who drank four or more cups per day. It found that those who drank one to three cups per day had a 29 percent reduction in risk for developing HCC, and those who drank four or more cups per day had a 42 percent reduction in risk for developing HCC.The results were consistent regardless of the participants’ ethnicity, sex, body mass index, smoking status, alcohol intake or whether or not they had diabetes.“Coffee intake has been suggested to lower the risk for HCC in epidemiologic studies, but these studies were conducted outside of the United States,” said V. Wendy Setiawan, assistant professor in the Department of Preventive Medicine at the USC Norris Comprehensive Cancer Center in Los Angeles. “We wanted to examine whether coffee consumption is associated with risk for developing HCC in multiethnic U.S. populations.”The study analyzed nearly 180,000 male and female participants, including those of Caucasian, African American and Latino descent. The researchers tracked the participants’ coffee consumption and other lifestyle and dietary factors for up to 18 years. At the end of the study, 498 of those involved contracted HCC.Setiawan noted that this study allows coffee to be added as a medical ailment for the treatment of HCC.“Data from a diverse group of men and women from various ethnicities followed up for 18 years showed a statistically significant dose-response relationship between increasing coffee consumption and lowered HCC risk,” Setiawan said. “Now we can add HCC to the list of medical ailments, such as Parkinson’s disease, type 2 diabetes and stroke, that may be prevented by coffee intake. Daily coffee consumption should be encouraged in individuals who are at high risk for HCC.”last_img read more

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England Golf sign licence for World Handicap System ahead of November 2020 start date

first_img The governing bodies of amateur golf in England, Ireland, Scotland and Wales are delighted to announce they have signed the licence for the new World Handicap System which will come into operation on November 2, 2020.As members of the Council of National Golf Unions (CONGU), England Golf, the Golfing Union of Ireland, the Irish Ladies Golfing Union, Scottish Golf and Wales Golf have been driving forces in planning for the new system in alliance with The R&A and USGA.The current Golf Handicapping System maintained by CONGU will be replaced by WHS which will unify the six different structures presently in operation throughout the world of golf.With one single, global system in place for the first time, golfers will be able to obtain and maintain a handicap index and use this on any course around the world.In addition they will be able to compete or simply play a casual round with fellow golfers anywhere on a fair and equal basis.As well as encouraging players new to the sport to obtain a handicap with ease, the WHS will also modernise the game for those already well versed in the game of golf.Under the new system a player’s handicap will be based on the average of eight best scores from their last 20 rounds.WHS will also take into account factors currently not fully represented in the existing handicapping procedure through a course and slope rating system.“We believe the introduction of the new World Handicap System will have a hugely positive impact for golf around the globe,” said England Golf CEO Nick Pink.“Our team are working hard to deliver the transition from the current system to WHS and will continue to confer with the clubs, counties and our technology partners to ensure that everything runs to plan ahead of the start date.”Sinead Heraty, Chief Executive of the ILGU said: ‘The Irish Ladies Golf Union and the Golfing Union of Ireland are delighted that the new World Handicap System will come into practice in November 2020.“The transition from an incremental system to an averaging one will be period of great change, however once a planned education process is complete, the new system will make handicapping much more consistent globally.”Pat Finn, CEO of the Golfing Union of Ireland added: “We look forward to meeting with our member clubs over the coming months to outline the World Handicap System. With CONGU adopting the system for Ireland and Great Britain from late next year we need to ensure golfers across Ireland are prepared for the change.”Andrew McKinlay, Chief Executive of Scottish Golf, commented: “Following recent education seminars across the country, Scottish Golf is pleased to confirm that the new World Handicap System will be implemented on time on November 2, 2020. We believe that moving to a more unified handicap system will be beneficial to all golfers.“The team at Scottish Golf will continue to liaise with, and support clubs across the country to ensure the transition between now and next year is as seamless as possible for everyone involved.”The CEO of Wales Golf, Richard Dixon, is also delighted to mark another step on the road to WHS.He said: “A lot of hard work has been going on behind the scenes in preparation for the launch of the World Handicap System and we are delighted that we have reached this key stage of the process.“We are very excited about the positive benefits WHS will have to the game of golf in Wales and across the golfing world.“The Wales Golf team look forward to working with our clubs, fellow home Unions, technology partners and the R&A over the next year to ensure that the transition is as seamless as possible for clubs and most importantly for golfers.”CONGU, the United States Golf Association (USGA), Golf Australia, the European Golf Association (EGA), the South African Golf Association (SAGA) and the Argentine Golf Association (AAG) represent around 15 million golfers in 80 countries who currently maintain a handicap.The aligning of all six handicapping authorities behind the WHS is a hugely significant step in the modernisation of golf across the globe.WHS has been introduced under the auspices of the USGA and The R&A.Martin Slumbers, Chief Executive of The R&A said: “The R&A’s purpose is to ensure golf is thriving in 50 years’ time and the World Handicap System (WHS) is one of the key ways in which we can ensure the long-term health of the sport.“We all want to encourage more people to take up golf and having a handicap which provides an accurate measure of playing ability is one of the best ways of achieving that.”Further information about the new World Handicap System can be found on the England Golf website at https://www.englandgolf.org/article/world-handicap-system-whs and also via the R and A website at https://www.randa.org/WorldHandicapSystemFor details on England Golf’s educational workshops on WHS visit  https://www.englandgolf.org/handicaps-rules/whs-2020/whs-club-workshops/Image copyright: Leaderboard photography 16 Sep 2019 England Golf sign licence for World Handicap System ahead of November 2020 start date last_img read more

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Protecting Your Income

first_imgSubmitted by Nancy J. LaPointeYour ability to earn an income is one of your most important assets. A serious injury or an illness can prevent you from earning an income. Life, homeowners, and other types of insurance policies provide important kinds of coverage, but they will not safeguard you from financial impact if a disability prevents you from working. The stark reality is that without disability income insurance, a serious injury or illness could be financially devastating to you and your family.You may believe you’re less likely to become disabled than to die prematurely, but statistics show exactly the opposite is true. According to tables prepared by the Society of Actuaries in 1985, at any given time in your career, the chance that a long-term disability will occur is several times the likelihood of death. For example, at age 37, the odds of a long-term disability vs. death is 3.3 to 1. At age 42, the odds are 3.5 to 1, at age 47, they are 2.8 to 1, and at age 52, they are 2.2 to 1.Before you read further, please get a piece of blank paper and a writing utensil. On the paper, write the names of 20 people that know each other. Some examples are members of your family or members of a club, service, or religious organization. Once you have finished, circle the ones who have had a disability lasting 90 days or longer. My experience has shown that more than 90 percent of you will have circled at least 1 name on your lists.If you earn $50,000 per year, in 20 years you will have earned 1 million dollars. Without you in it, will your car earn you that kind of money? Will any of the other things you insured enable you to continue receiving your income? Disability income insurance, also known as disability income replacement insurance, is an important vehicle that will help replace a portion of your income in the event that you become disabled due to accident or illness.There are several types of disability insurance policies. A properly licensed agent or financial representative can explain what may be appropriate for you. These policies provide disability income insurance only.  They do NOT provide basic hospital, basic medical or major medical insurance.For information on MetLife insurance or other financial products and services, please contact Nancy J. LaPointe, Senior Financial Planner  with MetLife, 4520 Intelco Loop SE, Suite 1E, Lacey, WA 98503,  at 360-236-0312 or 360-402-3200, [email protected], www.nlapointe.com.Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities and investment advisory services offered through MetLife Securities, Inc. (MSI) (member FINRA/SIPC) a Registered Investment Advisor. 1095 Avenue of the Americas, New York, NY 10036. MLIC and MSI are MetLife companies.                                                          L0212241409[exp0313][WA] Facebook0Tweet0Pin0center_img The opinions expressed in this article are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that you consult your representative, attorney, or accountant with regard to your individual situation.last_img read more

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2012 Boss of the Year Recipients Recognized By Thurston County Chamber

first_imgCongratulations to the 2012 Boss of the Year recipients and finalists as awarded by the Thurston County Chamber in partnership with Express Employment Professionals.  For more information on the awards, click here.2012 Boss of the Year RecipientsSteve Brooks, Lacey Fire District 3Jessica Jensen, Jessica Jensen Law PS Joe Ingoglia,  Boys & Girls Clubs of Thurston County2012 Boss of the Year FinalistsDani Anderson, Hometown Property ManagementAndrew Barkis, Hometown Property ManagementMichelle Benton, Washington Department of Natural ResourcesDan Jones, ThurstonTalk.comHeidi West, America’s Credit Union Facebook10Tweet0Pin0last_img

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Bane-Welker hires a new salesman

first_imgShare Facebook Twitter Google + LinkedIn Pinterest Bane-Welker Equipment is proud to introduce George Wilson to the Eaton sales team.George WilsonGeorge will be covering counties in extreme western Ohio and eastern Indiana. He has been working as a leasing agent and consultant in those same areas. George has 17 years of experience in the ag equipment business, having worked for Smith Implements in Greenfield, Ind.Prior to working for John Deere, George was a loan officer with Farm Credit Services in Muncie, Ind. George, his wife Stephanie, and their daughter Abby live in rural Henry County, outside Middletown, Ind. George is an avid sports fan and is a big Pittsburgh Steelers and Chicago Blackhawks backer. He loves to power walk and has done 35 half marathons and one full marathon since 2005. George is a Purdue graduate and enjoys going to Boilermaker football and basketball games.George will represent the following brands at Bane-Welker in Eaton (Case IH, Ashland Industries, Dixie Chopper, J&M, Kuhn, Land Pride, MacDon, Unverferth and Woods) at 1980 US Route 35 East. (937) 733-1726.Bane-Welker offers new and used equipment, parts, sales, service, precision farming, and customer support. The 50-year-old company operates 10 stores in Indiana includingCrawfordsville, La Crosse, Lebanon, Remington, Terre Haute, Pendleton, Plymouth, Winamac, and Wingate, and three stores in Ohio, including Eaton, Wilmington and Georgetown.For more information about Bane-Welker Equipment please visit www.Bane-Welker.com.last_img read more

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CTIA: PayPal Talks Future of Mobile Commerce

first_imgWhy IoT Apps are Eating Device Interfaces Tags:#conferences#CTIA 2011#mobile#web Related Posts Role of Mobile App Analytics In-App Engagement The Rise and Rise of Mobile Payment Technologycenter_img Fabio Sisinni of PayPal’s Mobile team was at this week’s CTIA Wireless 2011 conference in Orlando, Florida to talk about the company’s vision for mobile commerce. Paypal’s usage on mobile phones has soared over the past few years, and the company is now processing around $6 million in mobile transactions per day. It’s on track to produce a total payment volume of $2 billion in 2011 on mobile, Sisinni says, a figure that’s up from just $24 million in 2008.Along the way, PayPal has been experimenting with different types of technology, including everything from barcode scanning to NFC (near field communication).PayPal Wants to be Your “Wallet in the Cloud”In short, PayPal’s vision for mobile is a “wallet in the cloud.” Within this wallet, a customer could select any one of their payment instruments to make a purchase – a credit card, a debit card, a particular bank account, etc. But this vision isn’t just for smartphones – PayPal wants to expand to every other Internet-connected device, too, including set-top boxes, TVs and even billboards. For example, PayPal would like to be a payment option embedded in the signage advertising a particular movie – just tap the sign and purchase tickets right there on its digital screen. It could also show up in signage related to local transit systems, too, so you could use PayPal to buy your train ticket or subway pass.But PayPal knows that mobile payments aren’t just a necessity for modern societies with smartphones and Web-connected TVs, it also has a place in the developing world. On this front, there have been recent initiatives to address this market, like Paypal’s agreement with VIVO, the largest mobile phone service provider in Brazil and the southern hemisphere. Under the new agreement, subscribers can send in payments for airtime, goods and services using their mobile phones. The technology doesn’t require an “app” to work, but instead uses USSD technology, which provides a menu directly on the phone where different payment choices can be made. (USSD is a protocol used by GSM devices for basic data communication.)Technology ExperimentationWhen asked about NFC (near field communication), a short-range wireless technology for data exchanges between devices, and most often associated with digital wallet initiatives, Sisinni stressed that PayPal is not betting on just this one new technology. The company’s goal is to be a “technology agnostic wallet in the cloud,” he said. The service has to be ubiquitous. It has to work on any device, running any operating system. That said, PayPal has been experimenting with NFC though its partnership with Bling Nation, an NFC-based startup where consumers stick “BlingTags” (NFC-enabled stickers) on their phones to pay for goods and services in the real world. When used at participating merchants, the money is deducted from the user’s PayPal account just by tapping or waving their phone at checkout.PayPal also acquired the popular barcode-scanning application RedLaser from Occipital last summer, and now provides that same technology to other mobile developers through a software development kit. This kit lets third-party developers build apps that use RedLaser’s scanning technology in apps of their own creation.Another experimentation was the integration of Bump into PayPal’s mobile applications. With Bump’s technology, users can tap their phones together to send money.This sort of experimentation with new technology will continue over the next few years, Sisinni says. But at the end of the day, PayPal just wants to make sure it’s a discoverable choice when there’s an option to pay – whether with your computer, your phone, your tablet or whatever device comes next. sarah perez What it Takes to Build a Highly Secure FinTech …last_img read more

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Apple Motion Video Tutorial: Behaviors vs. Keyframes

first_imgUsing behaviors is often faster than using keyframes in Apple Motion… if you know when to use them.Keyframes are a staple of all motion graphics apps, but in Apple Motion they aren’t always the fastest way to create your animations. For example, if you wanted to simply have an object fall off the screen you could edit the position keyframes so that it moves down the Y-axis over time, but if you wanted a quick fix you could simply add in the ‘gravity’ behavior.Behaviors, like keyframes, represent motion in your scene. However unlike keyframes, behaviors will continue their animation “loops” into infinity and are not dependent on having keyframes at certain points in time.“It’s like the video game version of building motion graphics” – Mark SpencerSo, the secret is knowing the best time to use behaviors and the best time to use keyframes. In the following video tutorial presented by MacBreak Studio, we will learn how to use behaviors and what situations may be most ideal to use them in. The video covers:Using BehaviorsAdjusting ParametersPreviewing BehaviorsIf you have any questions about behaviors or animation in Motion be sure to check out the rest of the MacBreak Studio series on their YouTube channel.This was first shared on the PixelCorps YouTube channel. Thanks for sharing guys!Do you use behaviors in Motion? Have any tips for using them? Share in the comments below.last_img read more

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Pacquiao wannabe plucks gold for Cebu; Aklan rules in the pool

first_imgDUMAGUETE CITY—His coach describes him as a naughty kid with a natural athletic flair.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutoutOn a humid Tuesday afternoon in front of a big crowd, Cebu City’s John Kevin Jimenez put those qualities to good use to score a unanimous decision over hard-fighting Dante Montales of La Carlota for the boys 34 to 35 kilograms boxing gold medal in the Batang Pinoy Visayas qualifying here.“I was challenged because he (Montales) is also good,” said Jimenez in Filipino, a lollipop already plugged in his mouth after coming off the ring. “I like what I did. I fought very well.” LATEST STORIES Blackwater stumped: Where in the world is Chris Ellis? Stronger peso trims PH debt value to P7.9 trillion Read Next Kammuri turning to super typhoon less likely but possible — Pagasa The sixth child in a brood of nine, Jimenez, a Grade 8 student, was introduced to the sport by his four elder brothers. One of them, Johnriel, is already fighting in the pros.“He is mischievous and naughty, but he’s a good kid and we saw natural talent in him,” said his coach Jordan Dopalco.Those traits served him in good stead as he stubbornly held off Montales for the gold.Jimenez, who started boxing at 9, aspires to one day don the national colors and follow the footsteps of Manny Pacquiao and Mark Magsayo.Chris Carlos Emnas scored for Leyte after beating local boy Jhon Jeffrey Rosales via unanimous decision in the boys 38kg.ADVERTISEMENT MOST READ Brace for potentially devastating typhoon approaching PH – NDRRMC Earlier, Cebu City collected three golds in karate through Gian Mangitngit in boys kumite 8 to 13 years -28kg, Genda Rya Atillo in girls kumite 8 to 13-30kg, and Adrian Ray Ayuda in kumite boys 8 to 13 -32kg.Cebu Province’s Trisha Jean Ogoc snared her second gold after topping the girls’ kumite 8 to 13 -25kg.Host city Dumaguete grabbed a share of the lead late Monday after its archers hit the target with six more golds at Negros Oriental State University grounds.Prisa Helen Lofranco led the gold winners, ruling the Cub girls 20 meters. Other winners were Crisha Mae Merto (Cadet girls 30m), Caryl Generoso (Cub girls 30m), Gabriel Flores (Cub boys 20m) and Carson Francis Hastie (Cub boys 30).Dumaguete dominated the sport with nine golds. The team also won five golds in swimming, led by Ranzge Benedict Quilicot, who topped the boys 12-under 200m breaststroke and boys and girls relay teams.Tagbilaran’s Gabriel Manigque, who at 15 already stands 6 feet, ruled the boys 13 to 15 200m freestyle for his fifth gold of the competition, which saw Aklan claim 15 golds. Bacolod and Ormoc each got eight golds from the pool. QC cops nab robbery gang leader, cohort Don’t miss out on the latest news and information. CPP denies ‘Ka Diego’ arrest caused ‘mass panic’ among S. Tagalog NPA John Lloyd Cruz a dashing guest at Vhong Navarro’s wedding Action-packed R1 between Dante Montales of La Carlota and John Kevin Jimenez of Cebu City here in Batang Pinoy boxing competition pic.twitter.com/YfJfd3G5D7— Marc Anthony Reyes (@marcreyesINQ) November 14, 2017ADVERTISEMENT Typhoon Kammuri accelerates, gains strength en route to PH Japan ex-PM Nakasone who boosted ties with US dies at 101 View comments Manny Pacquiao part of 2019 SEA Games opening ceremony PLAY LIST 00:36Manny Pacquiao part of 2019 SEA Games opening ceremony00:45Onyok Velasco see bright future for PH boxing in Olympics05:25PH boxing team determined to deliver gold medals for PH01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Gameslast_img read more

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NSWTA Position Vacant

first_imgThe New South Wales Touch Association (NSWTA) currently has a vacancy for a State Development Officer in the NSWTA office. The position of State Development Officer is responsible for the management and delivery of the New South Wales Touch Association development and education programs for playing, coaching, refereeing and selecting throughout the state. The Development Officer also assists associations in the development of the sport of Touch Football, working with the Sport Manager, Development Manager, Events Manager, NSWTA State Development Officers and Regional Committees to maximise opportunities for Touch Football to be a first choice sport among current and prospective participants. Applications for the State Development Officer position close on Monday, 20 August. For more information and to view job description, please visit the NSWTA website – www.nswtouch.com.au/jobs.Related LinksPositions Vacantlast_img read more

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