Educational presentation from Ascensus covering both Traditional and Roth IRA issues, including contribution deadlines, contribution limits, possible tax credits, traditional IRA deductibility rules, and more. Free recorded webinar available at http://www.nafcu.org/ascensus.
InKnowVision October 2012 HNW Technical Webinar w/ Guest Presenter Bob ScarlataInKnowVision
As an investment banker for some 26 years who has sold dozens of middle market privately held companies to private equity groups throughout the U.S. and Canada, Bob Scarlata will describe for us how private equity groups make their money and how private business owners can benefit and profit from their professional management strategies.
1) Auto-Owners Insurance Group had a profitable year in 2007, with over $4.5 billion in net written premiums, though premiums decreased slightly from 2006. They experienced their second highest losses from weather events.
2) The Life Company reached $3.5 billion in life insurance issued, their highest amount ever. Assets for the Group grew to over $13.6 billion.
3) Construction began on a new 95,000 square foot data center to protect computer operations from severe weather and ensure continuous service for agents and policyholders.
Credit Suisse held a financial services forum on February 4, 2009 to discuss Sallie Mae's business fundamentals, financial outlook, and liquidity position. Key points included:
1) Sallie Mae has a strong franchise in student lending with competitive scale and assured FFELP profitability through 2010.
2) Liquidity is improving through various government funding programs and expanding deposit funding.
3) The outlook forecasts $5-6 billion in new private loan originations, $21-23 billion in FFELP loans, earnings per share of $1.45-$1.65, and continued management of credit quality and provision expenses.
- Genworth's U.S. mortgage insurance portfolio has a lower risk profile than industry peers based on factors such as lower concentrations of loans with FICO scores < 620, interest-only loans, and loans in California and Florida.
- Genworth's delinquency and default rates are lower than industry rates across vintages from 2004 to 2007, with the exception of some higher default rates in the 2007 policy year, which is still early.
- Within Genworth's portfolio, delinquency and default rates increase as FICO scores decrease, and are higher for adjustable rate mortgages, loans with loan-to-value ratios over 95%, and Alt-A loans.
Tax-Efficient Investing: Comparing The Results (Part 2 of Tax-Efficient Inves...Robert Keebler
This webinar, "Tax-Efficient Investing: Comparing The Results" was the second of a four-part series with Advisors4Advisors.com on tax-efficient Investing.
You can view the on-demand webinar replay and receive CFP and IMCA CE credit at http://bit.ly/taxefficient2
This document provides tax information for 2009, including federal tax rates and limits, retirement contribution limits, mileage rates, minimum wage rates, and state tax rates and limits for various regions in the United States. Key details include the FICA and Medicare tax rates and wage bases, 401k and IRA contribution limits up to $16,500 and $11,500 respectively, and the federal minimum wage increasing to $7.25 per hour in July 2009. State tax rates, unemployment insurance rates, and minimum wages are provided for multiple states in different regions.
Active Business Series - Estate Planning - September 2012nevillebeckhurst
Estate planning is important to minimize inheritance taxes and ensure your assets pass to intended beneficiaries. Key considerations include identifying beneficiaries, determining when and how to transfer assets, and using tools like trusts and life insurance. Professional advice is recommended when substantial assets or complex family situations are involved to properly structure transfers and take advantage of exemptions that can reduce taxes owed.
The document discusses why investors underperform in the market. It notes that individual investors are prone to behavioral biases and emotional decision making that cause them to make suboptimal investment choices. In contrast, institutional strategies focus on asset allocation across diverse asset classes and maintaining a consistent strategy over the long term, which has been shown to produce better risk-adjusted returns. The document advocates that investors should focus on asset allocation and maintaining a consistent strategy rather than reacting emotionally to short-term market fluctuations.
InKnowVision October 2012 HNW Technical Webinar w/ Guest Presenter Bob ScarlataInKnowVision
As an investment banker for some 26 years who has sold dozens of middle market privately held companies to private equity groups throughout the U.S. and Canada, Bob Scarlata will describe for us how private equity groups make their money and how private business owners can benefit and profit from their professional management strategies.
1) Auto-Owners Insurance Group had a profitable year in 2007, with over $4.5 billion in net written premiums, though premiums decreased slightly from 2006. They experienced their second highest losses from weather events.
2) The Life Company reached $3.5 billion in life insurance issued, their highest amount ever. Assets for the Group grew to over $13.6 billion.
3) Construction began on a new 95,000 square foot data center to protect computer operations from severe weather and ensure continuous service for agents and policyholders.
Credit Suisse held a financial services forum on February 4, 2009 to discuss Sallie Mae's business fundamentals, financial outlook, and liquidity position. Key points included:
1) Sallie Mae has a strong franchise in student lending with competitive scale and assured FFELP profitability through 2010.
2) Liquidity is improving through various government funding programs and expanding deposit funding.
3) The outlook forecasts $5-6 billion in new private loan originations, $21-23 billion in FFELP loans, earnings per share of $1.45-$1.65, and continued management of credit quality and provision expenses.
- Genworth's U.S. mortgage insurance portfolio has a lower risk profile than industry peers based on factors such as lower concentrations of loans with FICO scores < 620, interest-only loans, and loans in California and Florida.
- Genworth's delinquency and default rates are lower than industry rates across vintages from 2004 to 2007, with the exception of some higher default rates in the 2007 policy year, which is still early.
- Within Genworth's portfolio, delinquency and default rates increase as FICO scores decrease, and are higher for adjustable rate mortgages, loans with loan-to-value ratios over 95%, and Alt-A loans.
Tax-Efficient Investing: Comparing The Results (Part 2 of Tax-Efficient Inves...Robert Keebler
This webinar, "Tax-Efficient Investing: Comparing The Results" was the second of a four-part series with Advisors4Advisors.com on tax-efficient Investing.
You can view the on-demand webinar replay and receive CFP and IMCA CE credit at http://bit.ly/taxefficient2
This document provides tax information for 2009, including federal tax rates and limits, retirement contribution limits, mileage rates, minimum wage rates, and state tax rates and limits for various regions in the United States. Key details include the FICA and Medicare tax rates and wage bases, 401k and IRA contribution limits up to $16,500 and $11,500 respectively, and the federal minimum wage increasing to $7.25 per hour in July 2009. State tax rates, unemployment insurance rates, and minimum wages are provided for multiple states in different regions.
Active Business Series - Estate Planning - September 2012nevillebeckhurst
Estate planning is important to minimize inheritance taxes and ensure your assets pass to intended beneficiaries. Key considerations include identifying beneficiaries, determining when and how to transfer assets, and using tools like trusts and life insurance. Professional advice is recommended when substantial assets or complex family situations are involved to properly structure transfers and take advantage of exemptions that can reduce taxes owed.
The document discusses why investors underperform in the market. It notes that individual investors are prone to behavioral biases and emotional decision making that cause them to make suboptimal investment choices. In contrast, institutional strategies focus on asset allocation across diverse asset classes and maintaining a consistent strategy over the long term, which has been shown to produce better risk-adjusted returns. The document advocates that investors should focus on asset allocation and maintaining a consistent strategy rather than reacting emotionally to short-term market fluctuations.
Minimising Your Personal Tax Liability - November 2012nevillebeckhurst
Active practice updates its clients on personal tax planning strategies in November 2012. Some key strategies discussed include: (1) allocating income and savings between family members to maximize personal tax allowances; (2) investing in tax-free vehicles like ISAs and some National Savings products; and (3) considering tax implications when selling shares or rental properties. The document provides an overview of various tax allowances and incentives and encourages reaching out for a full review of available options to minimize personal tax liability.
Invest in Real Estate with a CIAS & secure your future today!RE/MAX Allegiance
This presentation discusses investing in real estate through a self-directed IRA. It compares the growth potential of real estate to other assets like bonds, stocks and mutual funds. Real estate offers cash flow, appreciation potential, leverage, and tax benefits. The presentation shows how using a self-directed IRA to invest in an income-generating property can outperform a traditional IRA invested in mutual funds. In the example, the self-directed IRA invested in real estate earns 90% more over 5 years.
Negotiating the Term Sheet in Today's MarketBart Greenberg
This slide show outlines and discusses the key elements of a preferred stock term sheet, and shows the range of negotiability of those terms in the best and worst of times.
Presentation slides for the SMSF Tax Planning webinar presented by Aaron Dunn of the SMSF Academy on 24 April 2013.
With the growing number of self-managed super funds, the need to appropriately plan and take advantage of the various contribution, pension, investment strategy and tax issues all lead to the value of discussing some key tax planning strategies with SMSF trustees.
If you wish to view the webinar recording, this can be purchased for $99 (incl. GST). You can visit the SMSF Academy online store to purchase this recording, https://nq129.infusionsoft.com/app/storeFront/showCategoryPage?categoryId=9
Slides from the 9/28/2011 FPA webinar "Build Your Own Pension." With the decline of pensions, clients will look to their own accounts to provide predictable retirement income. We show how advisors can create pension-like income using institutional liability driven investing (LDI) strategies.
Eo Presentation - CA Enterprise Tax Zones Benefitsmarkfriedler
Ideas on how to save money with CA state govt funds for your company. As of 2007, the SF Enterprise zone inlcudes the ENTIRE downtown business district
The survey results show that credit unions are more satisfied with and experience more success with debt protection programs compared to credit insurance programs. Over 80% of credit unions with debt protection reported being satisfied, and over half saw increases in protected loan volumes and fee income from debt protection. Effective staff training and sales incentives were seen as important factors for debt protection program success according to survey respondents.
This document provides guidance for leading a team huddle focused on behaviors that build customer trust. The huddle discusses five key behaviors: being authentic, respectful, a good listener, knowledgeable, and secure. Team members brainstorm ways to demonstrate each behavior with customers. Presenting these ideas helps the team learn specific actions for earning customer trust through their interactions.
Business is changing on virtually every front, and the world of payments is no exception. Today, merchants, financial institutions, and processors all face an evolving landscape that is being reshaped
by an array of forces. The use of credit and debit cards is changing. Emerging payment methods, based on everything from smartphones to social networks, are rapidly gaining traction, as are innovative point-of-sale systems and a growing number of ewallet- based methods. For more info: www.nafcu.org/vantiv
In this issue of Horizon, we have included insightful articles that address several topics of interest to our issuers. George Fiegle, chief operating office of ICUL Service Corporation, does an in-depth interview with us concerning the challenges of card growth in the credit union marketplace. Mark Arnold, CCUE and president of On the Mark Strategies, shares his thoughts on generational marketing and how credit unions can use generational characteristics to improve results. For more info: www.nafcu.org/discover
This document provides a summary of recent developments in the credit card industry. It discusses how the industry is transitioning after years of tightening credit standards and regulatory changes. While loss rates are improving, issuers face challenges in generating profitable growth. The document also summarizes perspectives from analysts on opportunities and challenges for 2011, including ongoing effects of new regulations. It provides updates on Discover's international expansion and brand building efforts through sponsorships and promotions.
There are many topics surrounding IRA's, from establishing the account to the year-end tax benefits. You and your members have questions, and we have the answers! During this free recorded webinar, we will educate you on the basics for both Traditional and Roth IRAs, including how to establish and fund IRAs for members. For more info: www.nafcu.org/ascensus
This article discusses how a Roth IRA conversion works and specifically addresses the rule change in 2010 allowing high income earners to convert their IRA to a Roth IRA whereas in the past their incomes have been too high to take advantage of the tax benefits of a Roth IRA.
Roth IRA conversion rules are changing in 2010 to allow more taxpayers to take advantage of tax-free Roth IRA distributions. Currently, direct contributions to a Roth IRA are limited based on income. The new law in 2010 removes the $100,000 income limit, allowing any taxpayer to convert a traditional IRA to a Roth IRA regardless of income or filing status. Taxpayers can take steps now like contributing to a traditional IRA and then converting it to a Roth in 2010. However, converting a traditional IRA to a Roth will require paying taxes on any taxable amounts.
Converting a Traditional IRA to a Roth IRA allows the account to grow tax-free and withdrawals in retirement will not be taxed. New rules in 2010 allow anyone to convert regardless of income and taxes on conversions can be paid over two years. While converting provides tax-free growth and income, the entire IRA balance is taxed as ordinary income upon conversion. Investors should consider factors like future tax rates, need for access to funds, and desire for tax-free income or legacy when deciding whether to convert.
The document discusses the benefits of Roth IRAs according to experts. In 3 sentences: Experts say Roth IRAs offer tax-free growth, are one of the most powerful estate planning tools, and do not require minimum distributions like traditional IRAs, allowing the account to continue growing tax-free for heirs. Roth IRA contributions are made with after-tax dollars but all future growth and withdrawals are tax-free, unlike traditional IRAs where taxes are paid on withdrawals. Current low tax rates make converting traditional IRAs to Roth IRAs appealing if tax rates are expected to rise in the future.
This document provides an overview of the National Rental Affordability Scheme (NRAS). It notes that NRAS aims to deliver 50,000 affordable rental homes by 2014-2016 through tax incentives for approved housing projects. It outlines eligibility requirements for tenants and participants, including income limits. It describes the tax-free annual incentive of $9,781 provided to owners, comprising of state/territory and federal government contributions. Potential advantages and disadvantages of the NRAS scheme are briefly discussed.
The Individual Pension Plan (IPP) allows for larger tax deductible contributions than an RRSP, potentially providing up to 65% more in retirement assets. The IPP is ideal for self-employed individuals or business owners age 38 or older earning over $122,222 annually. Contributions to an IPP can be much higher than an RRSP and increase based on age, with maximums ranging from $45,800 at age 40 to $276,900 at age 65. Assets in an IPP are locked in for retirement and protected from creditors. At retirement, the IPP provides predetermined monthly pension payments or other payout options like an annuity.
The document discusses Coca-Cola's strategy and investments to achieve long-term profitable growth through 2020. It highlights growth in emerging markets, executing strategies in developed markets like North America, and investing in core brands and system capabilities globally. Coca-Cola aims to capture opportunities from rising global prosperity while driving sustainable growth across geographic segments.
Opportunities and Pitfalls:IRA, 401k, Roth IRA: Society of California Account...Harry Rubins
Harry Rubins, Financial Consultant with Foothill
Securities and Rubins Financial Strategies spoke to the Society of California Accountants North Bay Chapter 1/11/12. "Opportunities and Pitfalls:IRA, 401k, Roth IRA" for participants and beneficiaries. Please visit http://rubins401k.com/
The document summarizes a retirement income product called SecureSource 3 that is available through RiverSource variable annuities. It provides guaranteed lifetime withdrawal benefits and growth opportunities to help investors achieve their retirement goals of growing their money, creating a reliable income stream in retirement, and leaving a legacy. Key features include guaranteed lifetime income based on a percentage of the benefit base, opportunities to increase income through annual credits and locking in investment gains, and the potential for an annual income bonus.
Minimising Your Personal Tax Liability - November 2012nevillebeckhurst
Active practice updates its clients on personal tax planning strategies in November 2012. Some key strategies discussed include: (1) allocating income and savings between family members to maximize personal tax allowances; (2) investing in tax-free vehicles like ISAs and some National Savings products; and (3) considering tax implications when selling shares or rental properties. The document provides an overview of various tax allowances and incentives and encourages reaching out for a full review of available options to minimize personal tax liability.
Invest in Real Estate with a CIAS & secure your future today!RE/MAX Allegiance
This presentation discusses investing in real estate through a self-directed IRA. It compares the growth potential of real estate to other assets like bonds, stocks and mutual funds. Real estate offers cash flow, appreciation potential, leverage, and tax benefits. The presentation shows how using a self-directed IRA to invest in an income-generating property can outperform a traditional IRA invested in mutual funds. In the example, the self-directed IRA invested in real estate earns 90% more over 5 years.
Negotiating the Term Sheet in Today's MarketBart Greenberg
This slide show outlines and discusses the key elements of a preferred stock term sheet, and shows the range of negotiability of those terms in the best and worst of times.
Presentation slides for the SMSF Tax Planning webinar presented by Aaron Dunn of the SMSF Academy on 24 April 2013.
With the growing number of self-managed super funds, the need to appropriately plan and take advantage of the various contribution, pension, investment strategy and tax issues all lead to the value of discussing some key tax planning strategies with SMSF trustees.
If you wish to view the webinar recording, this can be purchased for $99 (incl. GST). You can visit the SMSF Academy online store to purchase this recording, https://nq129.infusionsoft.com/app/storeFront/showCategoryPage?categoryId=9
Slides from the 9/28/2011 FPA webinar "Build Your Own Pension." With the decline of pensions, clients will look to their own accounts to provide predictable retirement income. We show how advisors can create pension-like income using institutional liability driven investing (LDI) strategies.
Eo Presentation - CA Enterprise Tax Zones Benefitsmarkfriedler
Ideas on how to save money with CA state govt funds for your company. As of 2007, the SF Enterprise zone inlcudes the ENTIRE downtown business district
The survey results show that credit unions are more satisfied with and experience more success with debt protection programs compared to credit insurance programs. Over 80% of credit unions with debt protection reported being satisfied, and over half saw increases in protected loan volumes and fee income from debt protection. Effective staff training and sales incentives were seen as important factors for debt protection program success according to survey respondents.
This document provides guidance for leading a team huddle focused on behaviors that build customer trust. The huddle discusses five key behaviors: being authentic, respectful, a good listener, knowledgeable, and secure. Team members brainstorm ways to demonstrate each behavior with customers. Presenting these ideas helps the team learn specific actions for earning customer trust through their interactions.
Business is changing on virtually every front, and the world of payments is no exception. Today, merchants, financial institutions, and processors all face an evolving landscape that is being reshaped
by an array of forces. The use of credit and debit cards is changing. Emerging payment methods, based on everything from smartphones to social networks, are rapidly gaining traction, as are innovative point-of-sale systems and a growing number of ewallet- based methods. For more info: www.nafcu.org/vantiv
In this issue of Horizon, we have included insightful articles that address several topics of interest to our issuers. George Fiegle, chief operating office of ICUL Service Corporation, does an in-depth interview with us concerning the challenges of card growth in the credit union marketplace. Mark Arnold, CCUE and president of On the Mark Strategies, shares his thoughts on generational marketing and how credit unions can use generational characteristics to improve results. For more info: www.nafcu.org/discover
This document provides a summary of recent developments in the credit card industry. It discusses how the industry is transitioning after years of tightening credit standards and regulatory changes. While loss rates are improving, issuers face challenges in generating profitable growth. The document also summarizes perspectives from analysts on opportunities and challenges for 2011, including ongoing effects of new regulations. It provides updates on Discover's international expansion and brand building efforts through sponsorships and promotions.
There are many topics surrounding IRA's, from establishing the account to the year-end tax benefits. You and your members have questions, and we have the answers! During this free recorded webinar, we will educate you on the basics for both Traditional and Roth IRAs, including how to establish and fund IRAs for members. For more info: www.nafcu.org/ascensus
This article discusses how a Roth IRA conversion works and specifically addresses the rule change in 2010 allowing high income earners to convert their IRA to a Roth IRA whereas in the past their incomes have been too high to take advantage of the tax benefits of a Roth IRA.
Roth IRA conversion rules are changing in 2010 to allow more taxpayers to take advantage of tax-free Roth IRA distributions. Currently, direct contributions to a Roth IRA are limited based on income. The new law in 2010 removes the $100,000 income limit, allowing any taxpayer to convert a traditional IRA to a Roth IRA regardless of income or filing status. Taxpayers can take steps now like contributing to a traditional IRA and then converting it to a Roth in 2010. However, converting a traditional IRA to a Roth will require paying taxes on any taxable amounts.
Converting a Traditional IRA to a Roth IRA allows the account to grow tax-free and withdrawals in retirement will not be taxed. New rules in 2010 allow anyone to convert regardless of income and taxes on conversions can be paid over two years. While converting provides tax-free growth and income, the entire IRA balance is taxed as ordinary income upon conversion. Investors should consider factors like future tax rates, need for access to funds, and desire for tax-free income or legacy when deciding whether to convert.
The document discusses the benefits of Roth IRAs according to experts. In 3 sentences: Experts say Roth IRAs offer tax-free growth, are one of the most powerful estate planning tools, and do not require minimum distributions like traditional IRAs, allowing the account to continue growing tax-free for heirs. Roth IRA contributions are made with after-tax dollars but all future growth and withdrawals are tax-free, unlike traditional IRAs where taxes are paid on withdrawals. Current low tax rates make converting traditional IRAs to Roth IRAs appealing if tax rates are expected to rise in the future.
This document provides an overview of the National Rental Affordability Scheme (NRAS). It notes that NRAS aims to deliver 50,000 affordable rental homes by 2014-2016 through tax incentives for approved housing projects. It outlines eligibility requirements for tenants and participants, including income limits. It describes the tax-free annual incentive of $9,781 provided to owners, comprising of state/territory and federal government contributions. Potential advantages and disadvantages of the NRAS scheme are briefly discussed.
The Individual Pension Plan (IPP) allows for larger tax deductible contributions than an RRSP, potentially providing up to 65% more in retirement assets. The IPP is ideal for self-employed individuals or business owners age 38 or older earning over $122,222 annually. Contributions to an IPP can be much higher than an RRSP and increase based on age, with maximums ranging from $45,800 at age 40 to $276,900 at age 65. Assets in an IPP are locked in for retirement and protected from creditors. At retirement, the IPP provides predetermined monthly pension payments or other payout options like an annuity.
The document discusses Coca-Cola's strategy and investments to achieve long-term profitable growth through 2020. It highlights growth in emerging markets, executing strategies in developed markets like North America, and investing in core brands and system capabilities globally. Coca-Cola aims to capture opportunities from rising global prosperity while driving sustainable growth across geographic segments.
Opportunities and Pitfalls:IRA, 401k, Roth IRA: Society of California Account...Harry Rubins
Harry Rubins, Financial Consultant with Foothill
Securities and Rubins Financial Strategies spoke to the Society of California Accountants North Bay Chapter 1/11/12. "Opportunities and Pitfalls:IRA, 401k, Roth IRA" for participants and beneficiaries. Please visit http://rubins401k.com/
The document summarizes a retirement income product called SecureSource 3 that is available through RiverSource variable annuities. It provides guaranteed lifetime withdrawal benefits and growth opportunities to help investors achieve their retirement goals of growing their money, creating a reliable income stream in retirement, and leaving a legacy. Key features include guaranteed lifetime income based on a percentage of the benefit base, opportunities to increase income through annual credits and locking in investment gains, and the potential for an annual income bonus.
This is draft income plan created by Plan My Income. At this stage, the draft plan is sent to the customer, and the income planner has a detailed discussion with the customer. Then post the discussion, the plan is finalized, and a final set of recommendations, with a “Will Do” list and timelines is incorporated.
End of Year Tax Reporting—Make sure your credit union is prepared! (Webinar S...NAFCU Services Corporation
Overwhelmed about tax reporting for Individual Retirement Accounts, Coverdell ESAs, or Health Savings Accounts? Then, this timely webinar is just what you need. If you haven’t started planning for tax reporting season, it’s not too late. Whether you’re new to tax reporting, or need to freshen up your understanding of the regulations, this webinar will help you make sure your credit union is prepared. In this webinar, you will learn basic tax reporting information on these accounts and more. This webinar will cover IRA, ESA, HSA tax forms and due dates. You will learn to identify due dates for tax forms to account owners and the IRS, and to determine which tax forms are needed for each account type. Learn more at www.nafcu.org/ascensus
This document discusses estate planning and inheritance tax. It provides information on:
1) Estate planning can help family receive more of an estate by reducing inheritance tax liability, which requires careful planning.
2) Key considerations for estate planning include deciding who will benefit from the estate, if children will share equally, and if trusts or other arrangements are needed.
3) The document reviews various exemptions and reliefs from inheritance tax, such as the nil-rate band and transfers between spouses. Professional advice is recommended for complex situations.
Plummer Parsons Chartered Accountants Series 16 Safeguarding Your Estatenevillebeckhurst
The document provides information about estate planning and minimizing inheritance tax liability. It discusses:
1) Estate planning ensures family receives more of the estate by reducing estate taxes. Careful planning is needed due to tax implications.
2) Key exemptions and reliefs include the nil-rate band, annual gift exemption, gifts between spouses, gifts to charities, and agricultural/business property relief.
3) Estate planning questions to consider include ensuring plans reflect wishes, locating records, assessing financial objectives, and addressing business succession planning.
Similar to Understanding IRA Contributions: From Deadlines to Deductibility Rules | Ascensus (14)
Learn from the largest subservicer how best to evaluate and select the right subservicing partner for your credit union based on your portfolio, investor mix, product range and other key selection factors.
Nearly one-third of Americans surveyed by Securian Financial Group say they haven’t thought about what would happen to their debt if they – or their cosigners – were to pass away unexpectedly. Fewer than 13 percent say they have taken steps to protect themselves from the sudden loss of a borrower.
With the tsunami of new regulations from NCUA and the CFPB, getting good at compliance is becoming a key success factor for credit unions. In this podcast and presentation from the 2013 NAFCU Annual Conference, Toné Gibson explores how your credit union can develop a cost-effective approach to strike a better balance between compliance and operational efficiency. Through the utilization of three methodologies – strategic development, process excellence, and performance management – learn in detail how to reduce the cost of compliance.
Wolters Kluwer Financial Services is the NAFCU Services Preferred Partner for Consumer and Member Business Lending & Deposit Services. More educational resources and contact information are available at www.nafcu.org/wolterskluwer.
Consumers are willing to pay for services that they find either adds convenience or delivers value. In this podcast and presentation from the 2013 NAFCU Annual Conference, Dave Schneider, Brent Dixon, and Paul Muse discuss how to expand your credit unions credit and debit opportunities and explore innovative products that can help guide your future credit union operations, including new approaches to increasing penetration, activation, and usage of the fundamental card. Also, learn to leverage new payment options that will appeal to Gen Y consumers, including Internet PIN debit, PINless at the point of sale, and payments and delivery of service through mobile.
The document provides an overview of strategic succession planning presented by Deedee Myers. It discusses best practices for succession planning at multiple levels including the board, CEO, executive roles, and managers. It emphasizes the importance of evaluating the board and having necessary conversations. Integration of board and CEO succession planning is highlighted. Outcomes of effective succession planning include increased capacity, opportunities for high potentials, and improved employee morale.
Rising Above Uncertainty: Opportunities and Challenges for Credit Unions in P...NAFCU Services Corporation
Credit unions face opportunities and challenges from evolving payments markets. Regulatory changes are reshaping retail financial services, increasing pressure on legacy models. Emerging technologies and new entrants threaten traditional revenue streams. Credit unions have opportunities for growth but must continue innovating. EMV implementation in the US faces delays from dual debit network requirements. Prepaid cards and mobile devices are gaining traction, changing how consumers interact with financial institutions. To compete, credit unions must enhance digital capabilities and appeal to younger demographics through offerings like mobile payments and banking. Trusted brands position credit unions well to lead developments.
In this presentation from the 2013 NAFCU Annual Conference, Barrett Burns provides a comprehensive analysis of credit score models and discusses how your credit union can utilize them for member outreach and education.
Listen to the full podcast here: http://www.nafcu.org/NAFCU_Services_Corporation/Partner_Library/Credit_Scores__What_s_Behind_the_Number___Podcast_and_Presentation_/
Insuritas: Boost Income and Expand Wallet Share by Engaging the Digitally Dis...NAFCU Services Corporation
This document discusses how financial institutions can engage website visitors and members through digital marketing strategies. It begins by noting that digital spaces are dynamic and outpace marketers' ability to predict what will resonate. It then provides examples of how testing and optimization led to significant increases in traffic and conversions for credit unions. The rest of the document outlines strategies for personalizing the member experience online, nurturing conversations, and creating a "digital exchange" where members can complete multiple financial transactions in one place. The goal is to transform the website from basic information to an engaging sales and service channel.
The document summarizes a presentation about the impact of Dodd-Frank regulations on international payments and how credit unions can address these changes. It discusses:
- New disclosure requirements for international payments under Dodd-Frank that will take effect in October 2013.
- How the Federal Reserve's FedGlobal international ACH system can help credit unions provide lower cost international payments to members while meeting regulatory requirements.
- Benefits of using FedGlobal ACH payments include no beneficiary deductions, lower costs, consistent delivery times, and accessibility for institutions of all sizes.
- Resources available to help credit unions understand and comply with new international payment rules.
Money Concepts: Slides for What to Look for in Your Wealth Manangement Progra...NAFCU Services Corporation
This document outlines key considerations for credit unions looking to offer wealth management and financial planning services. It discusses the role and responsibilities of an advisor, important characteristics and qualifications to look for in candidates, how to integrate advisors with existing staff, the recruiting and hiring process, compensation structures, and lessons from positive and negative past experiences. The goal is to provide guidance to credit unions on establishing an effective wealth management program and selecting an advisor that will help achieve program mandates for success.
The document discusses Loan Prospector, a tool from Freddie Mac that assists with underwriting conventional loans. It highlights credit policy updates that Loan Prospector has been updated to reflect. These include changes to maximum loan-to-value ratios, how short sale fees are treated, and asset and income documentation requirements. The document also provides an overview of how Loan Prospector analyzes loan files, returns feedback and documentation checklists, and explains the risk classifications and documentation levels it assigns loans.
Deluxe Financial Services: Building an effective social marketing program | D...NAFCU Services Corporation
This document outlines key reasons for credit unions to establish an effective social media marketing program, including growing social media popularity and declining in-person touchpoints. It notes that while social media risks must be managed, regulations should not prevent social media use. The document provides tips for a successful social media strategy, including setting goals, defining a strategy, developing assets and gaining buy-in. It emphasizes measuring key social media metrics and lists humanizing your brand and cross-selling to members as benefits of social media.
The document provides an overview of best practices for outsourcing receivables collections. It discusses the risks and benefits of outsourcing, as well as keys to success. Case studies show how two credit unions reduced costs and increased returns by outsourcing to Credit Control. The presentation emphasizes selecting a financially stable vendor with industry experience, strong client support, and national licensing. It also stresses the importance of accurate data, service level expectations, and compliance with numerous regulations to protect members' data and privacy.
The document outlines 10 ways to improve a vendor management program. It discusses evolving the role of the vendor manager to be more strategic. It recommends having a senior-level vendor manager and understanding the market position of vendors and your own institution. It also suggests changing performance metrics, connecting with vendor representatives on LinkedIn, using the right type of ROI metrics, tying vendor performance to business plans, choosing the right implementation model, and making vendor management a key strategic performance indicator.
2013 NAFCU BFB Survey of Executive Compensation and Benefits (Presentation Sl...NAFCU Services Corporation
First introduced in 2007, the NAFCU-BFB Survey of Federal Credit Union Executive Benefits and Compensation was created to better understand the compensation and benefits for the top five executives of Federal credit unions. For more info: www.nafcu.org/bfb
Study Confirms Debit Strength, Reveals Reward Trends (Payment Choice Study Re...NAFCU Services Corporation
TSYS partnered with Mercator Advisory Group to conduct the 2012 Consumer Debit Payment Choice Research Study. This unique study combines survey questions and focus groups, enabling researchers to have an interactive discussion with participants about payment choices and influences, technology awareness and overall user experiences. Learn more at: www.nafcu.org/discover
The document discusses five truths for defining a mortgage strategy. It outlines that a strategy is a high-level plan to shape the future. The five truths are having a vision, commitment to the vision, proper performance and productivity tracking (PPT), internal measurement of goals, and external measurement of goals against market benchmarks. The document encourages downloading additional resource materials on defining a mortgage strategy.
There is an unprecedented focus today around the future of retail branch networks. Credit union executives are seeking new ways to economically alter the scale, reach, and character of their branch assets to drive growth and enable expansion in profitable new territories and non-traditional locations. While the channel is universally acknowledged as best for both member acquisition and sales, the economics must change in order for this way of member-centric financial services to thrive and realize its potential in the new, consumer-driven, omnichannel environment. For more info: www.nafcu.org/ncr
The document provides an agenda and overview for a Desktop Underwriter training session. It discusses understanding DU recommendations, recent announcements from Fannie Mae, analyzing DU reports, data integrity reminders, and additional training resources. It also outlines general lender requirements when underwriting loans with DU, including employing prudent judgment, ensuring accurate data, complying with verification messages, and reviewing documentation.
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The APCO Geopolitical Radar - Q3 2024 The Global Operating Environment for Bu...APCO
The Radar reflects input from APCO’s teams located around the world. It distils a host of interconnected events and trends into insights to inform operational and strategic decisions. Issues covered in this edition include:
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[To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
This PowerPoint compilation offers a comprehensive overview of 20 leading innovation management frameworks and methodologies, selected for their broad applicability across various industries and organizational contexts. These frameworks are valuable resources for a wide range of users, including business professionals, educators, and consultants.
Each framework is presented with visually engaging diagrams and templates, ensuring the content is both informative and appealing. While this compilation is thorough, please note that the slides are intended as supplementary resources and may not be sufficient for standalone instructional purposes.
This compilation is ideal for anyone looking to enhance their understanding of innovation management and drive meaningful change within their organization. Whether you aim to improve product development processes, enhance customer experiences, or drive digital transformation, these frameworks offer valuable insights and tools to help you achieve your goals.
INCLUDED FRAMEWORKS/MODELS:
1. Stanford’s Design Thinking
2. IDEO’s Human-Centered Design
3. Strategyzer’s Business Model Innovation
4. Lean Startup Methodology
5. Agile Innovation Framework
6. Doblin’s Ten Types of Innovation
7. McKinsey’s Three Horizons of Growth
8. Customer Journey Map
9. Christensen’s Disruptive Innovation Theory
10. Blue Ocean Strategy
11. Strategyn’s Jobs-To-Be-Done (JTBD) Framework with Job Map
12. Design Sprint Framework
13. The Double Diamond
14. Lean Six Sigma DMAIC
15. TRIZ Problem-Solving Framework
16. Edward de Bono’s Six Thinking Hats
17. Stage-Gate Model
18. Toyota’s Six Steps of Kaizen
19. Microsoft’s Digital Transformation Framework
20. Design for Six Sigma (DFSS)
To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations
Unlocking WhatsApp Marketing with HubSpot: Integrating Messaging into Your Ma...Niswey
50 million companies worldwide leverage WhatsApp as a key marketing channel. You may have considered adding it to your marketing mix, or probably already driving impressive conversions with WhatsApp.
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That's exactly what we explored in this session.
We take a look at everything that you need to know in order to deploy effective WhatsApp marketing strategies, and integrate it with your buyer journey in HubSpot. From technical requirements to innovative campaign strategies, to advanced campaign reporting - we discuss all that and more, to leverage WhatsApp for maximum impact. Check out more details about the event here https://events.hubspot.com/events/details/hubspot-new-delhi-presents-unlocking-whatsapp-marketing-with-hubspot-integrating-messaging-into-your-marketing-strategy/
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Prescriptive analytics BA4206 Anna University PPTFreelance
Business analysis - Prescriptive analytics Introduction to Prescriptive analytics
Prescriptive Modeling
Non Linear Optimization
Demonstrating Business Performance Improvement
The Most Inspiring Entrepreneurs to Follow in 2024.pdfthesiliconleaders
In a world where the potential of youth innovation remains vastly untouched, there emerges a guiding light in the form of Norm Goldstein, the Founder and CEO of EduNetwork Partners. His dedication to this cause has earned him recognition as a Congressional Leadership Award recipient.