How to calculate credit union member acquisition cost

first_img continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Sometimes it can feel darn near impossible to figure out how much it costs to acquire a new credit union members.But should it be so hard?We spoke with Bryan Adler, CEO of Vetter. Adler has a lot of experience in attracting and onboarding new members at credit unions and community banks.What Adler revealed is that the cost of new credit union member acquisition is actually very low—and easy to calculate!last_img

Dan Crenshaw, Star Republican Freshman, Holds On to Texas House Seat

first_imgRepresentative Dan Crenshaw, Republican of Texas, won a second term in Congress on Tuesday, fending off a Democratic challenge in his Houston area from Sima Ladjevardian, an Iranian-born immigrant who had been an adviser to former Representative Beto O’Rourke.Mr. Crenshaw, whose victory was called by The Associated Press, had been a favorite to retain his seat, despite Democrats’ high hopes for Texas and efforts to expand their reach into the suburbs. A former member of the Navy SEALs, he has been one of the best-known freshmen in Congress since 2018, when the “Saturday Night Live” comedian Pete Davidson joked disastrously about his eye patch.- Advertisement – – Advertisement – The National Republican Congressional Committee and other political organizations demanded that Mr. Davidson apologize to Mr. Crenshaw, who lost an eye in combat. His graceful acceptance on the air the next week (“Thanks for making a Republican look good,” he joked to Mr. Davidson) helped make him a political celebrity, a draw for Republican donors and a regular on political talk shows.He has been a stalwart supporter of President Trump on issues ranging from the border wall to athletes kneeling for the national anthem, and has energetically defended the president’s pandemic response. Ms. Ladjevardian, who immigrated with her family from Iran to Europe and then to the United States, arrived in Houston with her husband in the 1990s after finishing law school in California. In 2015, she served on Hillary Clinton’s national finance committee.- Advertisement –center_img Two years later, she joined Mr. O’Rourke’s Senate campaign as a senior adviser, then worked on his brief presidential campaign before entering the primary in the Second Congressional District. She campaigned as a moderate, supporting a path to citizenship for the young undocumented immigrants known as Dreamers who were brought to the United States as children but opposing the “defunding” movement to shift money from police departments into social service programs.Despite endorsements from Houston Democrats, however, she remained a long shot. Even in the primary, she had failed to muster the 50 percent majority needed to avoid a runoff, and escaped one only because the second-place candidate withdrew from the election.The turnout in Harris County, while unusually high, failed to supply the margin she needed to take the seat. – Advertisement –last_img read more

Will the water still run during a pandemic?

first_img(CIDRAP Source Weekly Briefing) – Has your business taken into account what happens to your water supply when an influenza pandemic begins? Do you know whether the water utilities that serve your enterprise are prepared to keep the water running and safe for your operations and employees?In Texas, Eugene “Buck” Henderson has repeatedly invited the state’s 6,700 water utilities to sign up for a free mutual aid program that would give them onsite emergency assistance in an influenza pandemic or natural disaster if they agree to help other utilities as needed.Fewer than 300 have taken him up on it.Just as surprising, the number that signed up for another free preparedness resource—installation of an electrical harness for quick hookup to a generator—didn’t even break 100, says Henderson, manager of the public drinking water section of the Texas Commission on Environmental Quality (TCEQ) based in Austin. “My greatest concern is for the smaller water systems, especially those that supply less than 3,300 businesses and households, because they have not been required to have a vulnerability assessment and an emergency response plan,” as have the bigger plants, he says.The inertia is especially puzzling, given that Hurricane Rita incapacitated 1,100 water utilities along the southeastern Texas coast in September 2005, according to Henderson. Some were up and running again in a day or 2, but others took 3 months to recover. In the meantime, they relied on just the sort of assistance that the Texas Water/Wastewater Agency Response Network TxWARN would provide: emergency generators, staff, and other supplies.”People have a tendency not to see an urgent situation until it happens,” he says. “Water is sometimes taken for granted until it isn’t there—until the well runs dry.” But imagine what could happen (or not happen) to your enterprise if water stops running, pumps shut down, or purification cannot be guaranteed during an influenza pandemic.Brian Good has. The director of operations and maintenance for Denver Water estimates at least 110 of the utility’s 1,100 employees will be needed to ensure uninterrupted service to its 1.2 million customers, make major repairs, and do limited meter reading, billing, and information technology (IT) support. He’s developed a cross-training program to allow operation with such a “barebones” staff.Further, Good has purchased 2,000 N-95 respirators and stashed 37 emergency kits containing tools, sleeping bags, and food at different locations. The kits, which Good estimates could sustain 2 people for 3 to 5 days, are marked with dates and shrink-wrapped. The utility has its own medical clinic and plans to identify and track employees who recover from pandemic influenza (if there is a way to distinguish such employees from those who have had seasonal flu or other illnesses). Presumably, recovered employees would have developed immunity and could return to work after the first wave of infection.Some water utilities are ahead of others in planning for a pandemic, says Kevin Morley, regulatory analyst for the American Water Works Association (AWWA), a trade organization headquartered in Denver, representing 4,700 water utilities. “People are thinking about it,” he says. Even so, he adds, questions remain about what would be expected of a utility and the surrounding community.Workers firstWhat water utilities do seem to agree on is this: of the 3 essential and interrelated resources—workers, electrical power, and chemicals—workers are the most critical. Although the effects of a pandemic on a workforce are unpredictable, no one disputes that small utilities will be hardest hit, Morley says. “Thirty to 40% of a utility that has 400 or 500 employees is going to be different than 30 to 40% of a utility that has 10 employees.”In Texas, says Henderson, “If you count all the water systems that serve fewer than 3,300 households or businesses, that’s 80%.”That’s why the AWWA and the US Environmental Protection Agency (EPA) have teamed up to help water utilities form intrastate—and soon, interstate—mutual aid pacts, similar to TxWARN. Such agreements are intended to enable utilities to get assistance without waiting for the federal government. Utilities who sign up for a pact identify their own needs and what resources they could offer another utility in an emergency. And that’s important. “For the first 72 hours, you’re on your own,” Morley says.In addition to Texas, California, Florida, and Louisiana have established mutual-aid pacts, and Oregon, Georgia, Tennessee, New Jersey, and Connecticut are well on their way, according to John Whitler of the EPA’s Water Security Division. Other states, such as Oregon, Minnesota, Wisconsin and Iowa, are in various stages of planning, he says.In addition to the mutual aid pacts, the EPA is offering water utilities several business-continuity tools, says Jane Downing, chief of the EPA’s Drinking Water Branch in Boston. “We’re working with EPA headquarters to develop a cross-training compendium,” she says. The catalog will point operators to online resources to ramp up their expertise on, for example, disinfection.However, not all roles lend themselves to cross-training. In the case of a laboratory worker who processes federally mandated water samples, Morley says, regulations may have to be temporarily relaxed. “You may not be able to take all of those samples, and the labs may not be able to process them,” he says.Whether workers are going to be willing to come to work—let alone to help out another utility—is another issue, Morley says. “You’re basically asking someone to go into a known infectious area, expose themselves, and then risk bringing it back to their families,” he says.Depending on power and ITPower and water often have a reciprocal relationship, Good says. “The type of power plants we have, a lot of them rely on our water,” he says. “They can’t run without our water, and we can’t run without their power.”Denver Water has placed diesel generators at critical facilities and invested in polyvinyl water storage bladders that can be distributed to central locations in the event of a loss of water pressure. The only “downside” of this plan, says Good, is that it relies on “people getting together,” which could potentially spread infection.Utilities with their own telecommunications system will fare best at sustaining operations and communicating with vendors, partners, suppliers and employees, experts say. In Texas, says Henderson, the TCEQ provides its own IT services and has provided notebook computers for workers in the field to allow workers critical access to databases of the area’s water systems.Utilities that contract for services may encounter fierce competition for bandwidth as other organizations, a panicked public, and bored schoolchildren log on to the Internet, Morley says.’Upstream’ supply chainWater utilities require disinfectants such as chlorine to make water drinkable. And because water utilities can store only about 3 weeks’ worth of chlorine, they rely heavily on suppliers. While Good believes his pandemic plan is solid, “the problem is that our plan is only as good as the plan of our suppliers.”A disruption could occur at each link in the supply chain, including the production of chlorine and other treatment chemicals by petrochemical companies in the United States and Canada, Morley says. “There is no sector that is immune from the effects of a pandemic,” he says. “If 30% of my workforce is affected, why wouldn’t 30% of their workforce be affected?” A little further down the chain, a transportation breakdown (rail or highway) is also a likely scenario.Not wanting to take chances, Good had representatives from the US Department of Homeland Security tour Denver Water. “They have assured us that they can help, as far as distributing chlorine to some of the plants, if we need it,” he says. To conserve supplies in a pandemic, Denver Water may introduce water rationing, similar to restrictions enacted in a drought, and temporarily shut down 2 of its 4 plants.The EPA will continue to work with state regulatory agencies and water trade associations to conduct community-based emergency preparedness workshops, doing the drills and presentations it has since 9/11, now expanding its efforts toward pandemic preparedness, Downing says. But first, she says, “A lot of the efforts need to start to happen locally.”last_img read more

Perceiving the appeal of a green portfolio

first_imgWould you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletters To access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week.last_img

Jack Eichel defends Evander Kane’s tenure with Sabres

first_imgSAN JOSE — Evander Kane is fast, physical and just entering the prime of his career.Pete DeBoer raves about him, he produces almost every night and the Sharks see him as a cornerstone piece for years to come. With so much to like, it’s hard to understand why Kane, 27, will be suiting up for the Sharks at SAP Center Thursday instead of the Buffalo Sabres? Why isn’t he a centerpiece in the team’s rebuild?The easy narrative is that the Sabres unloaded Kane because he’s a problem child and who …last_img

Bieber, LeBron, other stars descend on LA for NBA showcase

first_imgRead Next MOST READ BIEBS IS BACK: Bieber will return to play in the celebrity game on Friday night after winning MVP honors in the 2011 game. He will play on Team Lakers, co-coached by actor Michael B. Jordan. They will play against Team Clippers, who feature Academy Award winner Jaime Foxx.ALL-STAR SINGERS: Fergie will sing the U.S. national anthem and Barenaked Ladies will perform the Canadian national anthem. Pharrell Williams and N.E.R.D will take the stage at halftime. Kendrick Lamar also is set to perform Friday night in Los Angeles as part of the weekend festivities. LATEST STORIES Slow and steady hope for near-extinct Bangladesh tortoises Arellano stuns Perpetual, nears NCAA men‘s volleyball crown NEXT BLOCK ASIA 2.0 introduces GURUS AWARDS to recognize and reward industry influencers Globe Business launches leading cloud-enabled and hardware-agnostic conferencing platform in PH Don’t miss out on the latest news and information. John Lloyd Cruz a dashing guest at Vhong Navarro’s wedding 2 dead in California school attack; gunman shoots self PLAY LIST 03:122 dead in California school attack; gunman shoots self00:50Trending Articles00:59Sports venues to be ready in time for SEA Games01:29Police 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 Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City Cleveland Cavaliers forward LeBron James (23) celebrates with teammate Jordan Clarkson during the second half of the team’s NBA basketball game against the Oklahoma City Thunder in Oklahoma City, Tuesday, Feb. 13, 2018. (AP Photo/Sue Ogrocki)The stars will be out in Los Angeles, on the basketball court and all around it.The NBA’s All-Star festivities are back at Staples Center, with the usual events on All-Star Saturday night and a new format for the game Sunday.ADVERTISEMENT Captains LeBron James and Stephen Curry drafted players from the pool of All-Stars and the winning team gets a $350,000 donation from the NBA to the charity it chose. The league is hoping the new format that replaced the traditional East-West matchup will make it more competitive after a couple of lackluster games the previous two years.Perhaps the players can heed the words of Kobe Bryant, who won the MVP award on his home floor when the All-Star Game was last in Los Angeles in 2011.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSLillard, Anthony lead Blazers over ThunderSPORTSMalditas save PH from shutout“I feel like we have a sense of responsibility and we are voted in for what we do during the season, which is play hard,” Bryant said following that game. “And we come here, that’s what the fans want to see. They want to see us go at it and see us compete and that’s what I try to do and that’s what I try to tell my teammates to do.”Bryant is gone now but Beyonce and Jay-Z, Jack Nicholson and Justin Bieber are among the celebrities who attended that game and are scheduled to be back for at least some of this weekend. Brace for potentially devastating typhoon approaching PH – NDRRMC Typhoon Kammuri accelerates, gains strength en route to PH Some things to watch as Los Angeles hosts the All-Star Game for a record sixth time:LEBRON IN L.A.: James refuses to discuss his free agency during the season, but figure on it coming up in Los Angeles since there’s been such speculation about him signing with the Lakers. The Lakers, after a trade with James’ Cavaliers last week, would have enough salary cap space to offer a maximum contract to James and another star if he opts to become a free agent and leave Cleveland this summer.HOMECOMING KINGS: The Los Angeles area is home to a number of All-Stars, including 2017 MVP Russell Westbrook of Oklahoma City and runner-up James Harden, along with Oklahoma City’s Paul George and Toronto’s DeMar DeRozan.SIDELINED STARS: James’ team will look much different than the one he drafted after a number of injuries. DeMarcus Cousins, Kevin Love, John Wall and Kristaps Porzingis all were forced to pull out. George, Andre Drummond, Goran Dragic and Kemba Walker were added as injury replacements by Commissioner Adam Silver.DUNK LIKE DAD: Larry Nance Jr., one of the players who went from Los Angeles to Cleveland in the four-player trade at the deadline, will be back in his former home arena to compete in the Slam Dunk Contest. He’ll try to follow in the footsteps — or flight path — of his father, who won the NBA’s first slam dunk title in 1984. Rookies Donovan Mitchell of Utah and Dennis Smith Jr., and Indiana All-Star Victor Oladipo round out the field.ADVERTISEMENT AFP official booed out of forum 2 ‘newbie’ drug pushers fall in Lucena sting View commentslast_img read more

Naomi Osaka turns tables on Kristina Mladenovic at Indian Wells

first_imgView comments Lacson backs proposal to elect president and vice president in tandem Private companies step in to help SEA Games hosting Hong Kong tunnel reopens, campus siege nears end It wasn’t all smooth sailing as Osaka was broken when serving for the match at 5-2 in the second.After Mladenovic held serve to narrow the deficit to 5-4, the Japanese player faced another break point before wrapping up the match after one hour and 21 minutes.FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSUrgent reply from Philippine ‍football chiefSPORTSPalace wants Cayetano’s PHISGOC Foundation probed over corruption charges“I’ve never been a defending champion before — that’s new and I was really nervous,” said Osaka, whose first WTA title at Indian Wells last year launched a 2018 campaign that would eventually include her first Grand Slam crown at the US Open.Osaka next faces Danielle Collins, the 25th-seeded American who beat Belgian Kirsten Flipkens, 6-4, 6-1. LATEST STORIES 1 dead, 3 injured in Quezon road crash NBA fines Thunder’s Paul George $25K for ripping referees Don’t miss out on the latest news and information. INDIAN WELLS, CALIFORNIA – MARCH 09: Naomi Osaka of Japan celebrates match point against Kristina Mladenovic of France during their women’s singles second round match on day six of the BNP Paribas Open at the Indian Wells Tennis Garden on March 09, 2019 in Indian Wells, California. Clive Brunskill/Getty Images/AFPWorld number one Naomi Osaka on Saturday launched her Indian Wells title defense with a 6-3, 6-4 victory over 65th-ranked Kristina Mladenovic of France.Osaka, whose second straight Grand Slam title at the Australian Open in January propelled her to the top of the rankings, avenged a loss to Mladenovic in Dubai last month in her first match since she lifted the trophy in Melbourne.ADVERTISEMENT PH underwater hockey team aims to make waves in SEA Games PLAY LIST 02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krauss Urgent reply from Philippine ‍football chief P2.5 B shabu seized in Makati sting, Chinese national nabbed Sports Related Videospowered by AdSparcRead Next SEA Games hosting troubles anger Duterte MOST READ Trump campaign, GOP groups attack Google’s new ad policylast_img read more

10 months agoCardiff make offer for Watford target Adrien Tameze

first_imgCardiff make offer for Watford target Adrien Tamezeby Paul Vegas10 months agoSend to a friendShare the loveCardiff City have made an offer for Nice midfielder Adrien Tameze.The Daily Mail says Cardiff have made a £10m move for Tameze and hope to fend off competition from Atalanta and Watford to sign him next week.Tameze, 24, is valued by Patrick Vieira but the offer is difficult for Nice to turn down. Neil Warnock also hopes to add a right back and a striker with Cardiff having made an offer for Anderlecht’s Ivan Santini.Cardiff City defender Paul McKay is joining Morecambe on loan. Neil Warnock wants the highly rated 22-year old to gain more game time and can cover a number of positions. TagsTransfersAbout the authorPaul VegasShare the loveHave your saylast_img

Ohio State Looking Into Braxton Miller Advocare Instagram Photo

first_imgBraxton Miller running with the football for Ohio State.COLUMBUS, OH – SEPTEMBER 19: Wide receiver Braxton Miller #1 of the Ohio State Buckeyes looks to run the ball in the first quarter against the Northern Illinois Huskies at Ohio Stadium on September 19, 2015 in Columbus, Ohio. (Photo by Andrew Weber/Getty Images)Ohio State may have a Braxton Miller problem, and somehow, it isn’t related to whether he’ll be named the starting quarterback in 2015. Tuesday night, Miller may have made a mistake in promoting Advocare products on his Instagram page – something considered in violation of NCAA bylaws. According to James Grega Jr. of The Lantern, Ohio State is looking into the situation.OSU spokesman on Miller situation, “We are looking into this.” Might be nothing, but has attention of OSU athletic department— James Grega Jr. (@JGrega11) March 25, 2015Considering Ohio State’s recent history when it comes to player-related NCAA violations, expect the school to do its due diligence here. Whether Miller will be punished by either Ohio State or the NCAA remains to be seen.last_img read more