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Does your member want a car loan or a car?

first_imgEveryone wants a piece of your member’s money and relationships.   Apple Pay, Mint, GreenDot, the bank down the street all are vying to take a slice of wallet share, be top of wallet, or to get the next dollar of spend.  In my experience, every year we would survey our members and hear that they want more convenient services.  Management would then focus on more ATMs, more branches, more products, 24/7 call centers, etc.  Strangely, with each attempt to match the services of our competitors we further commoditize our offerings and make us less differentiated.  Through this race to convenience and trying to be all things to all members – we further dilute our brands and hence our value proposition with our members.  At the same time, we seem to all be faced with growing and improving our credit unions (or CUSO’s).    In my experience, it is often through our attempts to measure success and compete that we ultimately make ourselves less competitive and perform worse.  If we can simply step back, and get to the real value drivers we can find easy ways to differentiate, gain market share, and create unique value that members will happily pay a premium for.Early in my entrepreneurial career I focused lots of attention on the financials.  I would study them each month for trends and business mistakes that I could learn from and fix.  Strangely the more I studied and fixated on the results, the less they improved.  Finally, I met a fellow entrepreneur who pointed out that financials are simply the sums of our prior business decisions (short and long term) and have very little bearing on what the future holds.   Essentially, focusing on the results is kind of like driving your car by looking in the rear view mirror.    Probably not such a great idea for obvious reasons.  Here are three ways to look ahead at what your members want that will enhance your brand, enable you to charge a premium for commoditized services, and create long-term unique value for your members. 15SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Kirk Drake Kirk Drake is founder and CEO of Ongoing Operations, LLC, a rapidly growing CUSO that provides complete business continuity and technology solutions. With its recent acquisition of Cloudworks, Ongoing Operations … Web: www.ongoingoperations.com Details Credit Unions are poised better than most small businesses to leverage their relationships, brands, and capital to deliver exceptional value.  In order for us to compete with the huge financial service providers we must put ourselves in our members shoes and think about the real problems we solve and how to inject value into them to differentiate, enhance and deliver premium products and services t our members.center_img    Since we are in the business of making car loans this is easy to focus on a metric for making more loans.  In reality, the metric that creates more value for your member is the number of members that love their car.   By changing this focus – we start to look at how a member actually makes decisions about purchasing a car, registering the car, maintaining the car and driving the car.   I don’t know about you, but if you start making the rest of that more efficient and easier for me as a member – I will happily pay a premium for the loan.  Sure it won’t work for all members, but if you could get 30-40% to pay a higher rate by bundling in services that make the car buying, owning, maintaining and driving experience better – it would sure rev up your loan portfolio. –  This won’t be very credit union like of me but – ALL of your time and creative energy should be focused on creating unique value, services, and products for your best members.  Why? Well, why do you want to spend any time helping people who don’t value your help, don’t understand it, and just don’t get it.  Sure you are owned by all of your members, but helping the people who want the help is certainly a lot easier and more fulfilling then helping people who don’t want it…Your members who really value the credit union, understand the value of the cooperative movement, are far more likely to do more business with you then your cherry pickers.–  We spend a ton of time as leaders trying to get new members.  Often times though new members walk in and back out within the first 90 days.  Take the time in great detail to understand the member experience during their first 90 days as member.  This is where you can really shine and create wow moments that shape the members perception of your brand forever. I switched credit unions several years ago – I started by opening a savings account, then a few weeks later a checking, then I had to change my direct deposit, then I moved a few bills over to bill payment, eventually it was my car loan, mortgage, and credit cards.  If the credit union had even asked for the business, or acknowledged my potential they could have moved it all ten times faster and I would have been forever loyal.    Instead, I got as far as the car loans and the services were hit or miss…so I stopped moving things over.  Now I have an unintended bench mark of what the Credit Union is capable of that will take the credit union years to overcome.  By focusing on the first 90 day experience , you can eliminate, streamline, incent, and develop an immediate experience for your new members.last_img read more

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Bamboo shoots blamed for botulism cases in Thailand

first_imgMar 22, 2006 (CIDRAP News) – An outbreak of apparent botulism associated with home-preserved bamboo shoots has sickened more than 150 people following a festival in northern Thailand, according to the World Health Organization (WHO).The Thai Ministry of Public Health (MOPH) determined that 152 people had signs and symptoms consistent with botulism by Mar 20, the WHO reported today. All the patients had eaten traditionally prepared pickled bamboo shoots, the WHO said.A hundred people were hospitalized, and 40 of them needed respirators, but no one has died to date, the WHO said. The Bangkok Post reported today that 42 of the patients were comatose.The sick people were among about 170 who participated in a Buddhist festival in Banluang district of Nan province last week, China’s Xinhua news service reported.Botulism, caused by Clostridium botulinum toxin, leads to vomiting, diarrhea, blurred vision, cranial nerve dysfunction, respiratory failure, and sometimes death. It has an incubation period of 12 hours to 3 days, but recovery may take months.Thai health officials tracked and recalled the bamboo shoots and are educating the public on food safety, WHO said. The authorities seized 21 cans and 550 bags of bamboo shoots yesterday, the Bangkok Post reported. Those samples will be examined as part of the ongoing investigation.A case-control and cohort study is under way, with WHO, MOPH, and the US Centers for Disease Control and Prevention (CDC) investigating the incident.Sixty doses of antitoxin from the United Kingdom, the United States, and drug manufacturer Sanofi-Pasteur have been provided to Thailand, the WHO said. In addition, Xinhua reported today that Japan is sending 70 doses of antitoxin and experts to help investigate.About 40 seriously ill patients will be flown by helicopter from northern Thailand to hospitals in Bangkok, according to Xinhua.Botulinum toxin has been weaponized and is considered a Category A biological weapon, one of a group of agents that can be easily disseminated, cause high mortality, might cause public panic, and require special action for public health preparedness.Although C botulinum is one of several agents used in biological weapons, the New York Times reported today that Thai officials have “given no indication that the food poisoning originated from anything but contaminated food.”See also: CIDRAP overview of botulismhttp://www.cidrap.umn.edu/cidrap/content/bt/botulism/biofacts/index.htmlCIDRAP guide to foodborne diseasehttp://www.cidrap.umn.edu/cidrap/content/fs/food-disease/causes/causes-foodborne.htmllast_img read more

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The market in minutes

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Gold Coast vendors cashing in when selling at auction

first_imgRay White Broadbeach principal Mitch Palmer said auctions were the best way to get higher offers out of buyers.“You’re never going to get as many people in the same place at the same time as you are on auction day,” he said.“That competition that’s created between buyers is a much stronger motivator.”While Mr Palmer and Mr Henderson were strong advocates for auctions, both agreed it wasn’t a sales method that suited all properties and vendors. When selling your home a big question is, do you take the property to auction or put a price tag on it? This latest data might help you decide. Picture: Jerad WilliamsGOLD Coasters who sell their houses under the hammer tend to pocket hundreds of thousands of dollars more than those who have attached a price tag.Latest realestate.com.au data showed there was a difference of almost $340,000 between selling at auction and through a private treaty sale.Auctioned properties sold for an average of $878,295 while private treaty sales fetched an average of $539,503.The margin has increased in the past four years; the difference in 2015 was about $94,000. MORE NEWS: Home of House Rules Winners hits the marketMORE NEWS: Spring has sprung early for property market Realestate.com.au chief economist Nerida Conisbee said auctions create competition.Chief realestate.com.au economist Nerida Conisbee said there was no better time to sell at auction as listings were low.“Buyers are back in a big way creating increased competition and we know that properties that go to auction return better results for sellers, and on average are sold in half the time of those listed for private sale,” she said.“In softer markets, we tend to see an increase in private sales but realestate.com.au data shows that sellers who go to auction consistently do better than those who list by private sale.More from news02:37International architect Desmond Brooks selling luxury beach villa10 hours ago02:37Gold Coast property: Sovereign Islands mega mansion hits market with $16m price tag1 day ago“We know … the market is changing rapidly so sellers should get in now to name their price while stock levels remain low.”center_img While auctions can pay off, they aren’t for everyone according to local experts.Real Estate Institute of Queensland Gold Coast zone chairman Andrew Henderson said strong migration from interstate where auctions were more prevalent and the increasing popularity of TV property shows, including The Block, made people feel more comfortable with auctions.“It gives people more confidence in auctions,” he said.“It’s a lot more popular now and it seems to increase in popularity every year.”He said auctions also offered a level playing field for buyers because they were all bidding under the same conditions.“Auctions are the best way to really show what a market value is for a property (because) it’s what someone is willing to pay for it under market conditions.” Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 1:38Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -1:38 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD540p540p360p360p270p270pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenWhat does property demand mean?01:38last_img read more

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Activists deliver letter to Nikias in support of immigrants

first_imgStudents gathered around Tommy Trojan on Thursday to deliver a letter to President C. L. Max Nikias demanding increased protections and resources for undocumented and international students.In the wake of White House policies targeting immigrants, the students came together as members of OurCampus, an umbrella organization of student clubs looking to encourage inclusion on campus.“It’s really just about connecting people on campus who are in some way feeling excluded or marginalized,” said Henry Mattei, a junior majoring  environmental sciences and economics and an organizer for OurCampus. “The goal of it is to make our campus a more inclusive place.”The letter asks for physical and financial support for undocumented and international students. Mattei said that without support from the University, students are vulnerable to the labor exploitation and the loss of financial aid. In response, the letter requests a fund for affected students, along with other commitments to keep students secure.The action comes off the heels of a similar letter sent by USC faculty to the administration with policy recommendations to better support students under the Trump administration.Many felt that the University’s commitment to its international and undocumented students has been lukewarm. “The University has given out a lot of really vague statements on the value of diversity,” said Noha Ayoub, a sophomore majoring in law, history and culture. “We want complete support from the University in this regard.”Students entered Bovard Auditorium and delivered the letter to the office of Nikias. The letter was taken by an administrator who agreed to deliver it to Nikias. The administrator was unable to comment about the letter.Students also visited the office of Provost Michael Quick. There, Mattei spoke with Quick’s assistant about the letter. “The response was very limited,” Mattei said.Despite the lack of immediate action from the administrations, students are still optimistic. “It might not be the final thing you have to do, but it’s a step in the right direction,” said Julian Turner, a sophomore studying industrial and systems engineering. “It’s opened doors that weren’t open before.”last_img read more

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