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President Barack Obama urged young people to stay involved in the political process Monday during a conference call with student journalists. “You’ve got to take the time to find out where does your congressional candidate stand on various issues, where does your Senate candidate stand on various issues and make an educated decision and participate in this process — because democracy is never a one-and-done proposition,” Obama said. “It’s something that requires sustained engagement and sustained involvement. And I just want to remind everybody of that.” The Observer was one of many student publications to participate in the conference call, which Obama called in order to discuss issues facing students and other young Americans. Obama began by outlining his administration’s plans to improve higher education. He listed three goals, which are to make college more affordable, to ensure higher education prepares students to enter the workforce and to encourage students to finish college. “The key here is that we want to open the doors of our colleges and universities to more people so they can learn, they can graduate and they can succeed in life,” Obama said. Obama’s message was one of optimism, and he expressed confidence that students would be able to find jobs upon graduation. “Things are real tough for young people right now,” he said. “But having said that, if you are getting a college degree, if you’ve got skills in math and science or good, sound communication skills, there are still jobs out there even in a tough environment.” And while improving the economy should help stop the inflation of college costs, a certain amount of the burden lies on universities themselves, Obama said. “You guys have to be good consumers, and your parents have to be good consumers, and we’ve got to offer you more information,” he said. “You should know where your tuition is going. There should be a pie chart at every university that says, out of every dollar you spend in tuition, here’s where your money is going.” The conference call was part of a whole day in which the administration addressed the issue of education at different levels. Monday morning, Obama appeared on NBC’s “Today” show to talk about public education reform in elementary and secondary schools. Monday afternoon, Dr. Jill Biden, wife of Vice President Joe Biden, spoke at NBC’s “Education Nation” summit in New York City, where she emphasized the importance of community colleges in higher education. The conference call also came at the beginning of a national tour of colleges for Obama and Biden. Obama is scheduled to speak at a rally at the University of Wisconsin-Madison Tuesday, and Biden is scheduled to speak at Penn State Tuesday. Obama said the goal of those visits is to underscore the importance of young voters in the Nov. 2 midterm elections. “You can’t sit it out,” Obama said. “You can’t suddenly just check in once every 10 years or so, on an exciting presidential election, and then not pay attention during big midterm elections where we’ve got a real big choice between Democrats and Republicans.” read more
Saint Mary’s art department featured different forms of social media through a variety of media arrangements Friday at The Sustainable Arts CafÃ© and Market at Dalloway’s Clubhouse. Dr. Adrienne Lyles Chockley, social justice program coordinator at Saint Mary’s, said when we think of social justice, art, poetry and music are not usually the first forms of expression to come to mind, but these mediums were at the forefront of last Friday’s event. “I wanted to have an installation of artworks created by students, and then [art professor] Julie [Tourtillotte] came up with the idea of having students sell their goods,” Chockley said. “Then the students chose to have all proceeds going to St. Margaret’s House, so it’s another way of promoting social justice by providing funding for a really important social program in downtown South Bend.” All of the featured media, from the artwork to the poetry, had an underlying theme of social justice, including the selection of free organic snacks and fair trade coffee and tea, Tourtillotte said. “You’re making sure that the coffee was produced in ways that were environmentally sound and also fair in terms of the people working are fairly treated both in terms of their wages and in terms of the kind of chemicals they might be exposed to in producing those products,” Tourtillotte said. Student-created pieces such as eco-dyed scarves, notecards and recycled denim paper were all made in Tourtillotte’s “Sustainable Textiles” course. She said Selected pieces were all on display for show and for purchase. “Everything from A-Z is the student’s work,” Tourtillotte said “They fashioned everything really from scratch.” The student-made pieces allowed the CafÃ© to increase awareness about the justice behind production of the things we consume, Chockley said. “People didn’t know all these things were available on campus,” Chockely said. ” Just knowing you have a choice is an important issue to be raised today. Contact Emilie Kefalas at email@example.com. read more
As 2018 draws to a close, credit union leaders are looking ahead and charting a path for their organizations through a rapidly changing industry. If you are among them, you may be asking yourself questions like:In a crowded financial marketplace, are we doing enough to distinguish ourselves, right from the first point of contact?Are we remaining visible and relevant through the channels members are currently using? Do we understand their digital lives and the needs they express online?How do we stay ahead of the curve on new innovations, while still minding our costs?To adjust to the ongoing changes in the financial services industry, and to prepare for a year of increased growth and improved loyalty, you need to align your people, processes, and technology with a singular focus on your members and their needs. Here are 3 ways to get started:Make a Great First Impression on New MembersMake 2019 the year you maximize the value and loyalty of new members with a multi-channel, multi-touch onboarding program. Here’s how to make a lasting first impression, by: Using quieter periods in the year to perform data cleansing tasks. Healthy, accurate databases really are the key to marketing initiatives that delight your members and return good ROI. In 2019, take the time to review your data management strategy and make sure it contains concrete policies and timelines for data hygiene tasks, and includes regular monitoring for high data standards. Exploring big data, social data, and unstructured data. Augmenting your data to get a fuller picture of members and their circumstances will be important to your credit union’s success as financial technology evolves. Consider the use of external data from aggregators to enhance your understanding of your members. Perhaps your marketing team would enjoy creating a small pilot program using third-party data to enhance their understanding of a high-value member segment?Considering fintech partnerships. Credit unions don’t have to reinvent the wheel to prepare for AI and machine learning. Working with an experienced vendor to centralize data access and implement enterprise-wide business analytics will help you lay the groundwork for emerging technologies in a way that offers immediate bang for the buck while respecting your current resources. Smart Tech + “Service First” Mentality = True EngagementTo prepare for success in 2019, resolve to move beyond old-school metrics like the number of new accounts opened. Shift your focus to the broader member experience, monitor data around this focus (retention rates, satisfaction scores, and so forth), and adjust accordingly. A better bottom line will naturally follow because fully engaged members are more profitable, more loyal, and more likely to reach out to you for additional products and services. Then, take a similar approach to the adoption of emerging technologies. Ask yourself “How will this improve our member relationships, first and foremost?” In this age of increasing consumer expectations, your credit union will thrive if you can identify the right mix of new technology, increased insight, and old-fashioned service to genuinely put members first. Keeping your outreach personal. A new member needs the right information for their personal circumstances, not ads for all your top products. The first 90 days of a new member relationship are the most effective time to cross-sell and upsell, but that’s not an excuse for un-targeted offers. Instead, resolve to keep your offers targeted, analysis-driven, and limited. Communicating frequently enough to stay top of mind. In an effort to not deluge the new member in too much information, some credit unions limit onboarding communications too heavily. The truth is, studies have shown that consumers want more contact from their financial institutions, not less. The catch, of course, is that those communications need to be advisory in nature and offer genuine value. And don’t forget to provide lots of enticement for members to make use of the account past their initial deposit. Inactive accounts can be a real drain on your bottom line.Taking a cross-channel approach and remembering the value of visuals. From email to text messaging to in-app communications, there are many ways to reach out to your new member and make them feel welcome. Don’t limit yourself to text-heavy communications, either – video messages and infographics can be appealing, easy-to-digest components of your onboarding mix. Use Data to Make Life Easier for Members and Employees AlikeHidden within your goldmine of transactional, operational, and member data are the insights you need to make interacting with your credit union pleasant and efficient for everyone involved. Tap into this potential by: Detecting member life events faster and responding appropriately. During major life events, your credit union has a critical role to play as a trusted financial advisor, so use your business analytics tool to identify the data patterns that reveal these shifts, then make the link between these events and your products, and get the right offer in front of them quickly. For example, a member who has been paying a biweekly amount to an auto financing firm for 57 months may be very interested in an incentive to finance a new car in the new year. Making your credit union a better place to work. When you are considering how to improve member engagement in the upcoming year, don’t forget to look at ways to make your staff happier and more productive. Analyze your operational data to determine optimal staffing levels, identify and reward top sales performers, and pinpoint and resolve procedural roadblocks. Your reward will be motivated staff members with more time to do the most important part of their job – engaging with members. Prepare for the AI RevolutionArtificial intelligence, robotic process automation, and machine learning, once the mainstays of science fiction, are becoming reality at the big banks. Your credit union can start along the road to AI success with a focus on diverse, high-quality, actionable data. Start today and take practical steps towards advanced data analytics by: 6SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Olga Zakharenkava Olga Zakharenkava is the VP, Demand Marketing at Doxim, a leading provider of cloud-based customer engagement solutions for credit unions and wealth management firms. Find out more at www.doxim.com Web: www.doxim.com Details read more
Welcome to the CUInsight Minute, sixty seconds from our Publisher & CEO Lauren Culp with the top three of our favorite things from the week.Mentioned this week:Growth After Traumaby RICHARD G. TEDESCHI, HBRWhat good can come of this? In times of stress, crisis, or trauma, people often ask that question. This year we’ve been hit by a pandemic that has caused hundreds of thousands of deaths, unprecedented unemployment, and a global economic downturn. In the face of such a tragedy—personal and collective—it might appear that the answer is “Nothing.” (read more)Strategic planning during COVID-19by RUSSELL FURZE, CSICOVID-19 has fundamentally changed member and employee expectations and will likely prompt transformation in the financial services industry for many years to come. By preparing to adapt to future challenges with strategic planning, your institution can avoid reactionary decision making and work toward solutions-based growth and positive outcomes. (read more)3 members, 3 financial outcomes: How COVID-19 is impacting members differentlyby BRUCE DRAGT, CO-OP FINANCIAL SERVICESWhile not a single one of us has been insulated from the effects of COVID-19, the financial impact has been very different for large segments of the population. 40 million Americans have filed for unemployment in the last ten weeks;1 and while many expect to be re-employed when the economy recovers, some may not. (read more)Do not outsource DEIby HUMANIDEI“Why do you have to bring in someone from another place to talk to me? You are my neighbor. Why didn’t you just introduce yourself?” It was a conversation that left me stunned, and a little embarrassed. With the best intentions of serving our whole community, I had hired an external consultant to help connect the organization with parts of the community we had not reached. (read more) ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Lauren Culp Lauren Culp is the Publisher & CEO at CUInsight.com.She leads the growing team at CUInsight, works with organizations serving credit unions to maximize their brand and exposure, connects … Web: https://www.cuinsight.com Details read more
Today, many, many folks (too many, in my book) are plied with psychotropic, mind-altering drugs, of which little is known as to the effects. After all, the bottle states, “Do not drive or operate dangerous equipment while on this medication.” Hmmmm?Vehicles, driven while under the influence/drugs/alcohol, are the most dangerous of all. One never finds out what these drivers were on or were supposed to be on — an unfortunate accident. Alcohol is mentioned if drunk driving is involved. Drugs? Never or seldom mentioned. Texting? Hmmmm?It seems to me that these killers should be checked for what medications are in their bodies and this information should be released to the public for discussion. Of late, the over-prescription of pain meds are a tremendous problem and all kept under the wraps of doctor and patient confidentiality. In my book, it seems, it’s kind of like the fox being in charge of the chicken coop.The huge pharmaceutical industry in this country should be held responsible, in some way, for its indiscretions in pursuit of profits. Where the hell is common sense?Leonard MullerGreenfield Center Categories: Letters to the Editor, Opinion What? Again? Some stupid individual killed a bunch of folks, in a church no less? What in hell is wrong in this country? These things have happened in the past, but not with the frequency of late.Crimes of passion have been around forever. I guess it’s a very negative part of our human nature. But that usually doesn’t involve wanton, multiple killing of innocents. What is happening? Guns? Drugs? It used to be that folks were taught right from early youth a vast respect for firearms. I was.My friends and classmates were. Dangerous things, these tools of sporting/practice/hunting/self protection and war. It seems today that much of the media portrays guns in a horrific shoot’em up manner. (Of course, in my day, Western shoot-ups were a TV staple.) More from The Daily Gazette:EDITORIAL: Beware of voter intimidationEDITORIAL: Thruway tax unfair to working motoristsEDITORIAL: Find a way to get family members into nursing homesEDITORIAL: Urgent: Today is the last day to complete the censusFoss: Should main downtown branch of the Schenectady County Public Library reopen? read more
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Just a small slice of the views from 10 Hawthorne Rd, Hawthorne.ONE of Matt O’Connor’s favourite things about the home he owns with his wife Robin at 10 Hawthorne Rd is not actually inside the house – it’s the view.Mr O’Connor described it as the best residential view in Brisbane.“We look at the Story Bridge, New Farm Park, the Powerhouse and we look at Mt Glorious and Mt Cooth-tha,’’ Mr O’Connor said.10 Hawthorne Rd, Hawthorne.He said the view expanded along the river from Ascot through to Mt Gravatt.“Nobody can see that from the kitchen table – but we can,’’ he said.The couple bought the home in 1993 when it was a lowset house on two large blocks of land.In hindsight, Mr O’Connor said they probably should have knocked it down and started fresh, but they were “carried away with its charm and the beautiful architecture inside it’’ and decided to renovate the 1923 house.10 Hawthorne Rd, Hawthorne.They raised it and extended it and once all the work was done only about 5 per cent of the original house remained.“All the back end of the house – the original 1923 section – we have kept as much of that architecture as possible, but we have modernised it.’’The family bought acreage at Hope Island and spend a lot of time travelling so have decided to list their Hawthorne home for sale.10 Hawthorne Rd, Hawthorne.More from news02:37Purchasers snap up every residence in the $40 million Siarn Palm Beach Northless than 1 hour agoNew apartments released at idyllic retirement community Samford Grove Presented by The eight bedroom house is on an 1100sq m block of land.There are full length glass windows in the kitchen, dining and living area. This area leads through to a deck, which has an integrated Bose music system inside and out.The kitchen has granite benchtops, European appliances, a breakfast bar and a walk in butlers pantry.The main bedroom is on the top level of the house and has an ensuite and a walk- in wardrobe.On the northern side of the top level are two more bedrooms and a study and a second ensuite.10 Hawthorne Rd, HawthorneThree bedrooms are at the entry level of the home. There is also a media room with a 3D surround sound system and full size screen close by. A rumpus room opens out onto another deck area.This lower level also has a multipurpose space which could be used as a bedroom or a self-contained flat.Outside, there is a dining area which leads down to the glass-framed, 16m saltwater pool.The home has air conditioning, back-to-base alarm and intercom and keyless entry.There is a 10,000L water tank and garden irrigation, and a double remote garage plus a double carport.DETAILS:10 Hawthorne Rd, HawthorneAgent: Simon Caulfield, Taylor Kleinberg Place – Kangaroo Point.Price: By negotiation read more
Danske Bank’s managing director Thomas Borgen described the fund as a completely new loan product that combined the bank’s, as well as the pension industry’s, skills and capital strength, and one that was also commercially interesting for the parties behind it.“Denmark is dependent on positive development among small and medium-sized companies,” he said, adding that the pension funds and the bank wanted to contribute to increasing growth and resilience in Danish business.The new fund will target businesses with more than DKK50m in annual turnover in need of loans of DKK10m-plus, the parties said.It will be run by Capital Four, with the capital administration company also providing independent credit evaluation.The fund was expected to be in place and ready for launch at the end of the summer, the parties said.Other pension funds will be invited to take part in the fund.Danish pension funds have pledged to the country’s government to promote lending to SMEs, with this promise made part of the deal in 2012 under which the alternative yield curve used to calculate pension fund liabilities would be extended.The alternative yield curve eased problems the funds were having first with yield differential between Danish and German government bonds, and then with very low interest rates.In December, Danica Pension announced it was investing DKK1bn in the GRO Fund, which would offer subordinated capital and equity for expansion to SMEs.PFA, the country’s largest commercial pension provider, increased its investment in SMEs in Denmark in April last year by raising its stake in private equity firm Kirk & Thoresen Invest. Three of Denmark’s biggest pension funds are linking up with the country’s largest bank to put DKK1bn (€134m) into a new fund to invest in domestic small and medium-sized enterprises (SMEs) by offering much-needed subordinate loan capital.ATP, PensionDanmark and Danica Pension, together with Danske Bank – Danica’s parent – are setting up the new fund, with the three pension funds furnishing it with initial capital of at least DKK1bn.Danish SMEs will be able to apply for the funds in the form of subordinate loan capital, the parties announced.ATP’s chief executive Carsten Stendevad said: “The fund is the expression of a new and exciting form of cooperation in the Danish financial sector.” read more
Tony Quinn is selling his Main Beach property.Gold Coast entrepreneur and rich-lister Tony Quinn is selling his Main Beach apartment.Mr Quinn, who has had considerable success in business, selling the VIP Petfoods for $410 million and confectionary maker Darrell Lea for $200 million, listed the property with Ray White Prestige Gold Coast’s Robert Graham. MORE NEWS: Designer’s house sells in $3.75 million deal The three-bedder went to auction last month but was passed in at $5.6 million. It then hit the market at $5.975 million.“The apartment blends high class luxury finishes with relaxed beachside undertones that include herringbone hardwood flooring, marble, limestone, travertine, timber and stone throughout,” the listing states.More from news02:37International architect Desmond Brooks selling luxury beach villa8 hours ago02:37Gold Coast property: Sovereign Islands mega mansion hits market with $16m price tag1 day ago“Situated in an absolute beachfront position, this boutique residential only building of only 7 apartments occupies the prefect location with in walking close to the up-market Tedder Ave cafe and restaurant precinct as well as Marina Mirage and Palazzo Versace.” The impressive kitchen and ocean views.Mr Quinn no stranger to Gold Coast real estate – he has sold several properties over the past five years including a Tamborine Mountain mansion and another Main Beach apartment. Tony Quinn’s Main Beach property is on the market. MORE NEWS: House on Gold Coast beachfront sells for $450,000 above reserve read more