20% of members may be eligible for home refinance under HARP 2.0! (Webinar Sl...NAFCU Services Corporation
The new Home Affordable Refinance Program (HARP) offers a huge opportunity for credit unions to help roughly 20% of members. Between two and five million underwater homeowners could be helped by this program.
HARP 2.0 is a revamped version of the original HARP program, a program whose restrictions limited its effectiveness. Those barriers are now gone.
Watch and listen to this educational session on HARP 2.0 hosted by expert presenter, Nizar Hashlamon to hear more about a program that could change your members' lives, help boost the economy, and increase mortgage business at your credit union. For more info: www.nafcu.org/primealliance
The document discusses the current state and future direction of customer experience (CX). It finds that while 59% of large companies want to lead their industry in CX within three years, currently only 13% have a high level of CX maturity. Customer experience is shown to strongly correlate with customer loyalty. The document outlines six stages of CX maturity and eight emerging CX skills companies will need to master to reach the highest levels of CX.
Informative Graphics Corporation (IGC) was founded in 1990 and is headquartered in Scottsdale, Arizona. IGC develops commercial software for viewing, collaboration, redaction and publishing, and has over 4 million users worldwide. IGC prides itself on customer support and innovation, creating the first multi-format CAD viewer in 1991. IGC's flagship products, Brava and Redact-It, provide viewing, annotation, redaction and secure content sharing across various file formats. Redact-It uses patent-pending technology to remove sensitive content from documents while leaving the source untouched. IGC serves customers across many industries, including architecture, engineering, construction, aerospace, financial services, manufacturing, oil
The triple bottom line not a zero sum game by cb bhattacharyaESMT Berlin
In his webcast, Professor Bhattacharya will point out that it is not enough nowadays for companies to "do well" (Profit). Companies need to "do good" as well for communities (People) and the environment (Planet). Achieving this triple bottom line (People, Planet, Profit) is not a zero sum game but these linkages and strategies are often underexplored as most companies are largely in the dark when it comes to understanding how their stakeholders think and feel about their Corporate Responsibility (CR) programs. Based on the research in his book, Prof. Bhattacharya suggests that stakeholders' responses to a company's CR initiatives are driven by three levers: Understanding, Usefulness and Unity (the 3U's model). Drawing on empirical research insights, Prof. Bhattacharya points out how companies can maximize the value of their CR initiatives by fostering strong stakeholder relationships to develop, implement, and evaluate compelling social responsibility programs that generate value for both the company and society. (https://conferenceboard.adobeconnect.com/p18cj63dm07/)
Seddon Construction has partnered with a local college and housing organization to provide apprenticeships to three trainees - Craig Johnson, Nathan Law, and O'Neil Jones. The apprentices will gain practical experience working with Seddon Construction on various building projects, including new home construction and a school extension. Tony Costello of Seddon Construction said the apprenticeships provide opportunities for developing the next generation of construction professionals while benefiting the local community.
Accelerate Life Sales with Smarter Process TechnologyMichelle Dufty
The document discusses how life insurance companies can accelerate sales by improving their business processes with smarter technology. It notes that life insurance ownership has declined in the US in recent decades. However, there are opportunities to sell to high net worth individuals. The presentation recommends that insurance companies focus on improving efficiency and client service through investments in technology. It highlights issues like errors that cause policies to be not in good order, which reduces efficiency. The presentation argues that adaptive case management technology can help improve customer satisfaction and sales by streamlining processes across channels and adapting to changing customer needs.
The document summarizes key points from a negotiation workshop held on January 15, 2013. It discusses negotiation strategies and tactics through examples and exercises, including the ultimatum game. The document emphasizes the importance of preparation, understanding interests rather than positions, and structuring deals so that both parties believe the outcome is fair in order to achieve cooperative outcomes.
Zinner & Company Inc. is an executive search firm that assists organizations in filling mid to senior level positions. The firm is committed to recruiting leaders with vision, courage, experience and strategic skills to grow businesses long-term. Founder Joe Zinner established the firm after 20+ years in sales and marketing management. Zinner & Company represents clients across industries and delivers results through an honest, collaborative approach.
20% of members may be eligible for home refinance under HARP 2.0! (Webinar Sl...NAFCU Services Corporation
The new Home Affordable Refinance Program (HARP) offers a huge opportunity for credit unions to help roughly 20% of members. Between two and five million underwater homeowners could be helped by this program.
HARP 2.0 is a revamped version of the original HARP program, a program whose restrictions limited its effectiveness. Those barriers are now gone.
Watch and listen to this educational session on HARP 2.0 hosted by expert presenter, Nizar Hashlamon to hear more about a program that could change your members' lives, help boost the economy, and increase mortgage business at your credit union. For more info: www.nafcu.org/primealliance
The document discusses the current state and future direction of customer experience (CX). It finds that while 59% of large companies want to lead their industry in CX within three years, currently only 13% have a high level of CX maturity. Customer experience is shown to strongly correlate with customer loyalty. The document outlines six stages of CX maturity and eight emerging CX skills companies will need to master to reach the highest levels of CX.
Informative Graphics Corporation (IGC) was founded in 1990 and is headquartered in Scottsdale, Arizona. IGC develops commercial software for viewing, collaboration, redaction and publishing, and has over 4 million users worldwide. IGC prides itself on customer support and innovation, creating the first multi-format CAD viewer in 1991. IGC's flagship products, Brava and Redact-It, provide viewing, annotation, redaction and secure content sharing across various file formats. Redact-It uses patent-pending technology to remove sensitive content from documents while leaving the source untouched. IGC serves customers across many industries, including architecture, engineering, construction, aerospace, financial services, manufacturing, oil
The triple bottom line not a zero sum game by cb bhattacharyaESMT Berlin
In his webcast, Professor Bhattacharya will point out that it is not enough nowadays for companies to "do well" (Profit). Companies need to "do good" as well for communities (People) and the environment (Planet). Achieving this triple bottom line (People, Planet, Profit) is not a zero sum game but these linkages and strategies are often underexplored as most companies are largely in the dark when it comes to understanding how their stakeholders think and feel about their Corporate Responsibility (CR) programs. Based on the research in his book, Prof. Bhattacharya suggests that stakeholders' responses to a company's CR initiatives are driven by three levers: Understanding, Usefulness and Unity (the 3U's model). Drawing on empirical research insights, Prof. Bhattacharya points out how companies can maximize the value of their CR initiatives by fostering strong stakeholder relationships to develop, implement, and evaluate compelling social responsibility programs that generate value for both the company and society. (https://conferenceboard.adobeconnect.com/p18cj63dm07/)
Seddon Construction has partnered with a local college and housing organization to provide apprenticeships to three trainees - Craig Johnson, Nathan Law, and O'Neil Jones. The apprentices will gain practical experience working with Seddon Construction on various building projects, including new home construction and a school extension. Tony Costello of Seddon Construction said the apprenticeships provide opportunities for developing the next generation of construction professionals while benefiting the local community.
Accelerate Life Sales with Smarter Process TechnologyMichelle Dufty
The document discusses how life insurance companies can accelerate sales by improving their business processes with smarter technology. It notes that life insurance ownership has declined in the US in recent decades. However, there are opportunities to sell to high net worth individuals. The presentation recommends that insurance companies focus on improving efficiency and client service through investments in technology. It highlights issues like errors that cause policies to be not in good order, which reduces efficiency. The presentation argues that adaptive case management technology can help improve customer satisfaction and sales by streamlining processes across channels and adapting to changing customer needs.
The document summarizes key points from a negotiation workshop held on January 15, 2013. It discusses negotiation strategies and tactics through examples and exercises, including the ultimatum game. The document emphasizes the importance of preparation, understanding interests rather than positions, and structuring deals so that both parties believe the outcome is fair in order to achieve cooperative outcomes.
Zinner & Company Inc. is an executive search firm that assists organizations in filling mid to senior level positions. The firm is committed to recruiting leaders with vision, courage, experience and strategic skills to grow businesses long-term. Founder Joe Zinner established the firm after 20+ years in sales and marketing management. Zinner & Company represents clients across industries and delivers results through an honest, collaborative approach.
Executive Compensation Checklist for New and Experienced Board Members (Credi...NAFCU Services Corporation
Looking for an Executive Compensation Checklist for your Credit Union? This presentation serves as a valuable tool for new and experienced board members in pinning down the latest information on new regulations and compensation philosophies associated with creating a successful executive compensation plan. For more info, visit: www.nafcu.org/bfb
This is an overview of Cabot Money Management's Year-in-Review presentation given by portfolio manager, Les Satlow, at our Annual Investment Conference and Luncheon on Friday, September 24, 2010. (Salem, MA)
These seminars are for discussion purposes only. It is not an offer to buy or sell individual securities or investments. Investors should consider their own individual investment objectives, risks, charges and expenses of their portfolio carefully before investing. Investments are not FDIC insured and may lose or fluctuate in value. Please request our Form ADV Part II for complete disclosures.
The document summarizes Credit Suisse's re-pricing of certain asset-backed securities positions in its CDO trading business. It announces valuation reductions of CHF 2.86 billion resulting in a revised 2007 net income of CHF 7.8 billion, down 6% from 2006. The re-pricing was due to intentional misconduct by some traders and uncovered pricing errors. The bank is taking remedial actions to improve controls and supervision of the CDO trading business.
The document outlines tips for managing personal finances and achieving life goals, including living below your means, paying yourself first, creating budgets, accruing assets by investing rather than spending, investing in personal growth, building relationships, and having dreams and goals. It also provides information about Portfolio Software, a company formed in 2002 that delivers software solutions using a blended development approach tailored to each client's needs and using distributed teams to work with clients across continents.
Credit Suisse reported strong results for the first half of 2004, with net income of CHF 3.318 billion. Private banking saw continued growth in net new assets and corporate and retail banking benefited from gains on interest rate derivatives. Wealth and asset management performed well due to private equity gains and steady fees. While revenues declined at Credit Suisse First Boston, expenses were reduced in line. The outlook remains dependent on economic and market conditions.
This document discusses credit scoring on a worldwide scale and lessons learned. It addresses that high granularity of scores using detailed market data can help guarantee optimal use of data. It also discusses blending multiple credit scoring models, standardizing score presentation across models, and defining quality criteria for credit scores, including technical measures, coverage, and customer services. Experiences discussed include more educated customers, recognizing the value of credit information, needing more frequent model calibration during crises, and breaking down barriers between information suppliers and users.
The document summarizes Credit Suisse's quarterly results for Q2 2003. Key points include:
- Credit Suisse Financial Services reported a net profit of CHF 829 million for Q2 2003, up 21% from Q1 2003, driven by improved results across all business segments.
- Private Banking saw a 9% increase in operating income and improvement in cost/income ratio. Asset under management grew by CHF 37 billion.
- Corporate & Retail Banking operating income was up 7% from previous quarter with a lower cost/income ratio of 64.8%.
- Life & Pensions administration costs were down 17% from the prior year though gross premiums written declined 3
Societe Fonciere Lyonnaise - 2013 Annual Results Presentation Company Spotlight
The document is the 2013 annual results presentation for a commercial real estate company. It highlights that in 2013 the company leased nearly 40,000 square meters of new space. Major projects delivered in 2013 included the IN/OUT office campus and the renovation of a 4,600 square meter Art Nouveau building. Rental income was €150.2 million. The portfolio was valued at €3.882 billion as of December 31, 2013, with offices making up nearly 80% of the portfolio.
I modified a presentation I found on Edutopia with my original guidelines, procedures and pics.
I will be sharing this via Elluminate with teachers in Alabama who are part of the 21st Century Teaching and Learning project funded by a grant from Microsoft.
The document discusses risk and return in investments. It defines key concepts such as realized and expected return, ex-ante and ex-post returns, sources and measurements of risk including standard deviation and coefficient of variation. It also discusses the risk-return tradeoff and how higher risk investments require higher potential returns to compensate for additional risk.
With increased outsourcing of critical business functions it is more critical than ever to assess the risks posed by outside vendors and manage the ongoing relationship. In fact, regulators and auditors are focusing more and more on how vendors and contracts are managed and maintained by institutions. While vendor management is a “must-do” to satisfy financial industry regulatory requirements, it can also serve as a strategic initiative that can create a better run institution. Vendor Management can also be used as a way to improve efficiency, financial management, and profitability by reducing expenses and minimizing risk. Learn more at: www.nafcu.org/quantivate
Pythagorean theorem and distance formulaseriongilmore
The document explains the Pythagorean theorem and the distance formula. The Pythagorean theorem states that in a right triangle, the sum of the squares of the two sides adjacent to the right angle equals the square of the hypotenuse. An example is provided. The distance formula is also explained as taking the square root of the sum of the squares of the differences between corresponding x and y coordinates of two points to calculate the distance between them. An example of applying the distance formula is given.
The document discusses the STaR chart, which measures a school's level of technology integration in four key areas: teaching and learning, educator preparation and development, leadership/administration/support, and infrastructure. It provides the state and Terrell High School's (THS) ratings in these areas based on the STaR chart, finding that while the state is developing, THS scores as developing in two areas and advanced in two others. The document concludes by recommending ways THS can improve its technology integration and noting that technology is important for student learning given today's globalized world.
Retailers need to focus on providing great customer experiences to drive revenue and create advocates for their brand, as unhappy customers and bad experiences can hurt revenue. While retailers should listen to customers, many may not be tuning in to understand what drives positive experiences that keep customers returning and recommending the brand to others.
The document discusses several issues related to pensions in Ireland arising from the 2011 Finance Bill, including:
1) Key changes such as reduced earnings caps, lower tax-free lump sum limits, and changes to Approved Retirement Fund rules.
2) Implications of these changes for Pension Adjustment Orders (PAOs), such as more options for non-members of defined contribution schemes.
3) Risks defined benefit schemes pose for PAOs due to potential benefit reductions or inability to fulfill promises.
4) The role of specialist pensions input in divorce cases to alleviate risks and focus on legal outcomes.
The document discusses how the concept of time has changed throughout history according to societal needs. In pre-industrial societies, time had a gentle, natural rhythm aligned with agriculture and extended families. During industrialization, the needs of factories required a more streamlined and synchronized sense of time for maximum production. Modern time is oriented around industry, education, punctuality, and the nuclear family structure with weekends and vacations.
Zapytaj.com.pl - Wszystko co chcielibyście wiedzieć, ale boicie się zapytać.Artur Sławnikowski
Opowiedziałem o początkach największego polskiego serwisu Q&A, wyzwaniach zwiazanych z wydajnością infrastruktury, milionach użytkowników i przejęciu serwisu przez Onet.pl. Pokazałem też dlaczego zły użytkownik jest lepszy niż żaden użytkownik, oraz dlaczego nie trzeba bać się kopiowania istniejących pomysłów.
Týdenní přehled J&T Banky (16. - 20. května 2011)jtbanka
The weekly market summary reported the following:
1) The Prague Stock Exchange index (PX) fell 0.8% for the week, while bond yields were mixed and the Czech koruna was slightly stronger against the euro but flat versus the US dollar.
2) NWR reported disappointing 1Q11 earnings that fell short of expectations on all levels despite rising coal prices. EBITDA grew 42.3% but missed estimates.
3) Pegas Nonwovens' 1Q11 results are expected to show sales growth of 19.2% but a 5.3% decline in EBITDA due to higher polymer costs, while net income is forecast to fall 12% year-over-year.
Win New Consulting Business: The Four Keys to Writing a Successful ProposalMBO Partners
The document discusses keys to writing a successful proposal. It begins by noting that many proposals focus too much on the proposing company rather than the client's needs. Successful proposals should avoid simply reusing old proposals, including unnecessary company history, or providing excessive data that does not address the client's specific needs. The document emphasizes that proposals need to deliver the right message to the client in the right way to maximize the chances of winning the work.
The document outlines 5 principles for rainmaking: 1) Play to win by approaching opportunities with confidence and enthusiasm. 2) Live by goals to stay motivated. 3) Take action by actively pursuing opportunities instead of waiting. 4) Think buying first to understand prospects' needs and priorities. 5) Be a fluent expert by developing deep knowledge of your offerings and industry. The principles advise salespeople to have a competitive spirit, set objectives, initiate contact, see things from the customer's perspective, and become an authority.
Executive Compensation Checklist for New and Experienced Board Members (Credi...NAFCU Services Corporation
Looking for an Executive Compensation Checklist for your Credit Union? This presentation serves as a valuable tool for new and experienced board members in pinning down the latest information on new regulations and compensation philosophies associated with creating a successful executive compensation plan. For more info, visit: www.nafcu.org/bfb
This is an overview of Cabot Money Management's Year-in-Review presentation given by portfolio manager, Les Satlow, at our Annual Investment Conference and Luncheon on Friday, September 24, 2010. (Salem, MA)
These seminars are for discussion purposes only. It is not an offer to buy or sell individual securities or investments. Investors should consider their own individual investment objectives, risks, charges and expenses of their portfolio carefully before investing. Investments are not FDIC insured and may lose or fluctuate in value. Please request our Form ADV Part II for complete disclosures.
The document summarizes Credit Suisse's re-pricing of certain asset-backed securities positions in its CDO trading business. It announces valuation reductions of CHF 2.86 billion resulting in a revised 2007 net income of CHF 7.8 billion, down 6% from 2006. The re-pricing was due to intentional misconduct by some traders and uncovered pricing errors. The bank is taking remedial actions to improve controls and supervision of the CDO trading business.
The document outlines tips for managing personal finances and achieving life goals, including living below your means, paying yourself first, creating budgets, accruing assets by investing rather than spending, investing in personal growth, building relationships, and having dreams and goals. It also provides information about Portfolio Software, a company formed in 2002 that delivers software solutions using a blended development approach tailored to each client's needs and using distributed teams to work with clients across continents.
Credit Suisse reported strong results for the first half of 2004, with net income of CHF 3.318 billion. Private banking saw continued growth in net new assets and corporate and retail banking benefited from gains on interest rate derivatives. Wealth and asset management performed well due to private equity gains and steady fees. While revenues declined at Credit Suisse First Boston, expenses were reduced in line. The outlook remains dependent on economic and market conditions.
This document discusses credit scoring on a worldwide scale and lessons learned. It addresses that high granularity of scores using detailed market data can help guarantee optimal use of data. It also discusses blending multiple credit scoring models, standardizing score presentation across models, and defining quality criteria for credit scores, including technical measures, coverage, and customer services. Experiences discussed include more educated customers, recognizing the value of credit information, needing more frequent model calibration during crises, and breaking down barriers between information suppliers and users.
The document summarizes Credit Suisse's quarterly results for Q2 2003. Key points include:
- Credit Suisse Financial Services reported a net profit of CHF 829 million for Q2 2003, up 21% from Q1 2003, driven by improved results across all business segments.
- Private Banking saw a 9% increase in operating income and improvement in cost/income ratio. Asset under management grew by CHF 37 billion.
- Corporate & Retail Banking operating income was up 7% from previous quarter with a lower cost/income ratio of 64.8%.
- Life & Pensions administration costs were down 17% from the prior year though gross premiums written declined 3
Societe Fonciere Lyonnaise - 2013 Annual Results Presentation Company Spotlight
The document is the 2013 annual results presentation for a commercial real estate company. It highlights that in 2013 the company leased nearly 40,000 square meters of new space. Major projects delivered in 2013 included the IN/OUT office campus and the renovation of a 4,600 square meter Art Nouveau building. Rental income was €150.2 million. The portfolio was valued at €3.882 billion as of December 31, 2013, with offices making up nearly 80% of the portfolio.
I modified a presentation I found on Edutopia with my original guidelines, procedures and pics.
I will be sharing this via Elluminate with teachers in Alabama who are part of the 21st Century Teaching and Learning project funded by a grant from Microsoft.
The document discusses risk and return in investments. It defines key concepts such as realized and expected return, ex-ante and ex-post returns, sources and measurements of risk including standard deviation and coefficient of variation. It also discusses the risk-return tradeoff and how higher risk investments require higher potential returns to compensate for additional risk.
With increased outsourcing of critical business functions it is more critical than ever to assess the risks posed by outside vendors and manage the ongoing relationship. In fact, regulators and auditors are focusing more and more on how vendors and contracts are managed and maintained by institutions. While vendor management is a “must-do” to satisfy financial industry regulatory requirements, it can also serve as a strategic initiative that can create a better run institution. Vendor Management can also be used as a way to improve efficiency, financial management, and profitability by reducing expenses and minimizing risk. Learn more at: www.nafcu.org/quantivate
Pythagorean theorem and distance formulaseriongilmore
The document explains the Pythagorean theorem and the distance formula. The Pythagorean theorem states that in a right triangle, the sum of the squares of the two sides adjacent to the right angle equals the square of the hypotenuse. An example is provided. The distance formula is also explained as taking the square root of the sum of the squares of the differences between corresponding x and y coordinates of two points to calculate the distance between them. An example of applying the distance formula is given.
The document discusses the STaR chart, which measures a school's level of technology integration in four key areas: teaching and learning, educator preparation and development, leadership/administration/support, and infrastructure. It provides the state and Terrell High School's (THS) ratings in these areas based on the STaR chart, finding that while the state is developing, THS scores as developing in two areas and advanced in two others. The document concludes by recommending ways THS can improve its technology integration and noting that technology is important for student learning given today's globalized world.
Retailers need to focus on providing great customer experiences to drive revenue and create advocates for their brand, as unhappy customers and bad experiences can hurt revenue. While retailers should listen to customers, many may not be tuning in to understand what drives positive experiences that keep customers returning and recommending the brand to others.
The document discusses several issues related to pensions in Ireland arising from the 2011 Finance Bill, including:
1) Key changes such as reduced earnings caps, lower tax-free lump sum limits, and changes to Approved Retirement Fund rules.
2) Implications of these changes for Pension Adjustment Orders (PAOs), such as more options for non-members of defined contribution schemes.
3) Risks defined benefit schemes pose for PAOs due to potential benefit reductions or inability to fulfill promises.
4) The role of specialist pensions input in divorce cases to alleviate risks and focus on legal outcomes.
The document discusses how the concept of time has changed throughout history according to societal needs. In pre-industrial societies, time had a gentle, natural rhythm aligned with agriculture and extended families. During industrialization, the needs of factories required a more streamlined and synchronized sense of time for maximum production. Modern time is oriented around industry, education, punctuality, and the nuclear family structure with weekends and vacations.
Zapytaj.com.pl - Wszystko co chcielibyście wiedzieć, ale boicie się zapytać.Artur Sławnikowski
Opowiedziałem o początkach największego polskiego serwisu Q&A, wyzwaniach zwiazanych z wydajnością infrastruktury, milionach użytkowników i przejęciu serwisu przez Onet.pl. Pokazałem też dlaczego zły użytkownik jest lepszy niż żaden użytkownik, oraz dlaczego nie trzeba bać się kopiowania istniejących pomysłów.
Týdenní přehled J&T Banky (16. - 20. května 2011)jtbanka
The weekly market summary reported the following:
1) The Prague Stock Exchange index (PX) fell 0.8% for the week, while bond yields were mixed and the Czech koruna was slightly stronger against the euro but flat versus the US dollar.
2) NWR reported disappointing 1Q11 earnings that fell short of expectations on all levels despite rising coal prices. EBITDA grew 42.3% but missed estimates.
3) Pegas Nonwovens' 1Q11 results are expected to show sales growth of 19.2% but a 5.3% decline in EBITDA due to higher polymer costs, while net income is forecast to fall 12% year-over-year.
Win New Consulting Business: The Four Keys to Writing a Successful ProposalMBO Partners
The document discusses keys to writing a successful proposal. It begins by noting that many proposals focus too much on the proposing company rather than the client's needs. Successful proposals should avoid simply reusing old proposals, including unnecessary company history, or providing excessive data that does not address the client's specific needs. The document emphasizes that proposals need to deliver the right message to the client in the right way to maximize the chances of winning the work.
The document outlines 5 principles for rainmaking: 1) Play to win by approaching opportunities with confidence and enthusiasm. 2) Live by goals to stay motivated. 3) Take action by actively pursuing opportunities instead of waiting. 4) Think buying first to understand prospects' needs and priorities. 5) Be a fluent expert by developing deep knowledge of your offerings and industry. The principles advise salespeople to have a competitive spirit, set objectives, initiate contact, see things from the customer's perspective, and become an authority.
Global Say on Pay: Coming to Your Stock Plan in 2013fwhittlesey
While say-on-pay is typically discussed as an executive compensation topic, many investorsâ and proxy advisersâ concerns are centered on equity compensation â and not just for executives. . The say-on-pay process is drawing more attention to equity compensation proposals, and the viability of your current equity plan may be at risk.
The document is a program for an Oracle Hyperion and PeopleSoft networking breakfast held on April 19th 2012 at the Medinah Country Club in Medinah, Illinois. It contains the standard copyright notice and website for Emerging Solutions on multiple repetitive pages without other substantive content.
The document introduces Trust-Based Selling (TBS), a Salesforce app that measures trust levels in accounts, contacts, and opportunities. TBS goes beyond typical sales stages by quantifying trust, identifies relationship gaps, and helps users deepen relationships and grow profits. Key benefits are that TBS requires no training or customization, is process neutral, easy to use, and provides a more accurate picture of sales progress through trust measurements. A hidden benefit is that it encourages learning and adopting trust-based sales principles and models.
Programs to Drive Loyalty and Profitable GrowthGeehan Group
The document discusses how focusing marketing efforts on decision makers within client organizations can drive loyalty and growth. It notes that targeting the top 10% of clients, who are decision makers, can increase retention from 72% to 90% and account growth from 4% to 12%. Investing in executive customer programs is shown to be an effective way to positively impact both top and bottom line results. The keys to tangible marketing ROI are discussed as aligning efforts to specific business objectives and metrics and being able to demonstrate impact on key metrics like revenue, margins, and growth.
Media on the Move :: Putting the Brand in the Palm of ConsumersRyan Manchee
The ability to reach consumers anywhere at any time has shifted how advertisers execute campaigns – and how audiences consume media. Beyond the ability to make calls, personalized mobile computers are tackling commerce and communication in increasingly innovative ways. Between the time you leave your home and arrive at the office, you can use your mobile device to interact with everything from billboards to QR codes on advertising and packaging. This presentation examines how agencies can best integrate mobile with their other digital channels.
Infor i: Setting The Scene. Infor is the largest IBM i ISV in the World.Inforsystemi
Infor is the third largest provider of enterprise applications and services. Infor helps 70,000 customers in 194 countries improve operations, drive growth, and quickly adapt to changes in business demands.
You're one of the nearly 15,000 Infor manufacturing customers whose enterprise resource planning (ERP) solution leverages the IBM System i platform. You know it's a powerful combination. You'll be pleased to know that it's becoming more powerful every day.
Like IBM, Infor is making a significant investment in its System i capabilities so you can:
• Protect and leverage your current IT investment
• Easily add new capabilities to your ERP solution to meet changing business requirements
• Continue to enjoy the reliability, security and low total cost of ownership delivered by the System i and Infor ERP solutions
Personal branding is a requirement for everyone. Branding Pro Karen King shares: Why personal branding is a must-have, Personal branding lessons for business leaders, How to stand out from the competition, A framework for your brand strategy
This document is a presentation by Antonny Liem, CEO of MerahPutih Inc., providing an overview and updates on starting new businesses. It discusses evaluating business ideas and determining if there is demand and a solution. It also covers developing a business plan, the role of incubators in providing resources and mentoring to startups, and common sources of funding for new businesses, ranging from personal savings to venture capital. The presentation emphasizes conducting thorough market research and being prepared to pitch ideas to potential incubators or investors.
The document provides 5 rules for social media marketing. Rule 1 discusses managing your brand's timeline against new social media features and competing for attention. Rule 2 advises respecting your audience and not being too overt in early interactions. Rule 3 emphasizes putting people over your own agenda by understanding what content your audience wants to engage with and share.
Why Your 5-Year-Old is More Digital Than Most CMOs - Sean Miller, R/GA and J...R/GA
R/GA Group Planning Director Sean Miller and Google Head of Creative Innovation John Militello highlight the surprising advantages the under-six set have over today’s CMOs, exploring ideas and different ways of thinking that provoke new behaviors for today's marketing professionals.
Five massive foundational shifts are impacting financial service providers of all types, and they are impacting those that serve affluent clients in especially unique ways. Many of the strategies, skills and behaviors that enabled success in the past are now at best ineffective, and completely irrelevant in some cases. Advisors and firms serving affluent clients must adapt to these new realities to be successful in the future.
Inspire 1012- Dean Donaldson-Living in a material world MediaMindGlobal
Dean Donaldson discusses the rise of ubiquitous computing and networked devices. By 2012, there will be more networked devices than humans on the planet. Donaldson also talks about how consumers will interact with technology in new ways, such as through smart appliances, smart packaging, smart clothes, and new forms of digital advertising in vehicles. Everything from barcodes to household items will be connected and able to communicate through these new technologies.
The document discusses convergence in technology and the role of data. It notes that technology is evolving rapidly and various technologies are converging, with a focus on how data can help chart a course to the future by powering personalized experiences in a way that puts technology and consumers in harmony.
The document discusses setting intentions and how they direct energy and impact others. It encourages reflecting on underlying motivations and setting intentions that serve the highest good of all rather than just personal interests or power over others. Intentions are described as holding magical power when compressed into words. Making intention setting a daily practice of checking in and reflecting is presented as important.
Do you have any privacy concerns about using social media in your job search? Come learn how to secure your social media profiles and get your questions answered
Cox Residential with Global Ambitions, Takes a Common-Sense Approach and is Empowering Real Estate Brokers Across the Nation to Work Together and Build Upon Their Platform for Sustainable Success Utilizing Mandatory Resources to Enhance Their Agents’ Business Across a Broad Spectrum.
Similar to Midnight in CU Mortgage Lending (Credit Union Conference Presentation Slides) (20)
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.