18 Dec

Referral programs increase business for credit unions

first_img 31SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,David Smith David M. Smith is the Director of Statement Services for OSG Statement Services, specializing in statement print, mail and electronic presentment. He brings thirty plus years of experience in the … Web: www.osgbilling.com Details Studies have shown that referrals are extremely important to the success of a business. Take a look at these statistics and then see if maybe you want to devote your next staff meeting to beginning to develop a referral program for your credit union.According to The New York Times, 65% of new business comes from referrals.Nielsen reports that people are four times more likely to buy when referred by a friend.A member who is referred by another member has a 16% higher lifetime value, according to a study by the University of Pennsylvania’s Wharton School of Business.If you think about it, it makes perfect sense. Satisfied members make the best advocates for your credit union. And since they know both your credit union and their friends/colleagues, they can actually target the right people for the right product/service. So not only can they act as your brand ambassadors, they can do the initial audience segmenting for you too. They’ve had a good experience with your credit union and products. Now encourage them to tell their friends, family and colleagues about your credit union and the great service you provide. Not only will they bring in new members, everyone will benefit as you increase your revenue stream. Be sure to offer them an incentive for their efforts. That’s important. They’re helping you out so you should do something for them. It doesn’t have to be cash back but consider offering something your members would appreciate such as a charitable donation to an organization in your community. Not only will it reward your members but it will reward your community as well.When your members make referrals, everyone wins. Use referral programs as part of your lifecycle marketing campaign and watch your credit union and your bottom line grow. You and your members will be glad you did.last_img read more

23 Sep

IMCA Speedway Motors Weekly Racing National Point Standings Through June 22

first_imgXtreme Motor Sports IMCA Modifieds – 1. Jordan Grabouski, Beatrice, Neb., 1,145; 2. Tim Ward, Harcourt, Iowa, 1,097; 3. Kelly Shryock, Fertile, Iowa, 1,074; 4. Kyle Brown, State Center, Iowa, 1,065; 5. Lance Mari, Imperial, Calif., 993; 6. Jason Wolla, Ray, N.D., 978; 7. Anthony Roth, Columbus, Neb., 970; 8. Ronn Lauritzen, Jesup, Iowa, 967; 9. Chaz Baca, Mesa, Ariz., 962; 10. Brian Schultz, Casa Grande, Ariz., 925; 11. Ricky Stephan, South Sioux City, Neb., 893; 12. Chris Abelson, Sioux City, Iowa, 888; 13. Tyler Frye, Belleville, Kan., 883; 14. Matt Guillaume, Haslet, Texas, 857; 15. Ethan Dotson, Bakersfield, Calif., 856; 16. Rob VanMil, Barnesville, Minn., 851; 17. Clay Money, Penokee, Kan., 844; 18. Dennis LaVeine, West Burlington, Iowa, 840; 19. David Brown, Kellogg, Iowa, 838; 20. Cody Laney, Torrance, Calif., 837.IMCA Late Models – 1. Rob Toland, Davenport, Iowa, 735; 2. Andy Nezworski, Buffalo, Iowa, 702; 3. Luke Goedert, Guttenberg, Iowa, 595; 4. Matt Ryan, Davenport, Iowa, 569; 5. Darrel DeFrance, Marshalltown, Iowa, 559; 6. John Emerson, Waterloo, Iowa, 553; 7. Eric Sanders, Sherrard, Ill., 547; 8. Jeremiah Hurst, Dubuque, Iowa, 485; 9. Travis Denning, Sterling, Ill., 482; 10. Ryan Griffith, Webster City, Iowa, 481; 11. Joel Callahan, Dubuque, Iowa, 474; 12. Jeremy Grady, Story City, Iowa, 463; 13. Ben Seemann, Waterloo, Iowa, 462; 14. Gary Webb, Blue Grass, Iowa, 452; 15. Thad Wilson, Moline, Ill., 451; 16. Tyler Droste, Waterloo, Iowa, 446; 17. Jason Hahne, Webster City, Iowa, 443; 18. Curt Schroeder, Newton, Iowa, 435; 19. Jonathan Brauns, Muscatine, Iowa, 430; 20. Jerry King, Waterloo, Iowa, 426.IMCA EMI RaceSaver Sprint Cars – 1. Robert Vetter, Wolfe City, Texas, 692; 2. Michelle Melton, Flower Mound, Texas, 664; 3. Marcus Thomas, Corsicana, Texas, 659; 4. Clint Benson, Papillion, Neb., 658; 5. Andy Shouse, Mustang, Okla., 602; 6. John Ricketts, Burleson, Texas, 585; 7. Chase Parson, Abilene, Texas, 571; 8. Bryan Debrick, Irving, Texas, 536; 9. Tyler Drueke, Eagle, Neb., 518; 10. Zach Blurton, Quinter, Kan., and Justin Fifield, Mesquite, Texas, both 493; 12. Weston Gorham, Colleyville, Texas, 488; 13. Chad Wilson, North Richland Hills, Texas, 477; 14. Jeff Day, Greenville, Texas, 473; 15. Raven Culp, Mesquite, Texas, 462; 16. Logan Scherb, Decatur, Texas, 461; 17. Jason Martin, Lincoln, Neb., 450; 18. Scott Lutz, Jonestown, Pa., 441; 19. Michael Day, Greenville, Texas, 436; 20. Mark Klis, Waxahachie, Texas, 424.IMCA Sunoco Stock Cars – 1. Mike Nichols, Harlan, Iowa, 1,153; 2. Kirk Martin, Weatherford, Texas, 1,111; 3. Westin Abbey, Comanche, Texas, 1,096; 4. Greg Gill, Muscatine, Iowa, 1,004; 5. Chad Bruns, Wakefield, Neb., 945; 6. Ryan Powers, Crowley, Texas, 929; 7. Damon Murty, Chelsea, Iowa, 928; 8. April Phillips, Abilene, Texas, 911; 9. Casey Woken, Norton, Kan., 883; 10. Kyle Pfeifer, Hill City, Kan., 873; 11. Eric Jones, Troy, Texas, 872; 12. Norman Chesmore, Rowley, Iowa, 862; 13. Donavon Smith, Lake City, Iowa, 859; 14. Damon Hammond, Burleson, Texas, 825; 15. Derek Green, Granada, Minn., 817; 16. Ron Pettitt, Norfolk, Neb., 797; 17. Tyler Pickett, Boxholm, Iowa, 795; 18. John Oliver Jr., Danville, Iowa, and Andy Roller, Waco, Texas, both 780; 20. Jason Rogers, Selden, Kan., 776. IMCA Sunoco Hobby Stocks – 1. Shannon Anderson, Des Moines, Iowa, 1,181; 2. August Bach, Newton, Iowa, 1,072; 3. Cody Nielsen, Spencer, Iowa, 1,036; 4. Brady Bencken, Oakley, Kan., 1,027; 5. John Watson, Des Moines, Iowa, 1,021; 6. TeJay Mielke, Norfolk, Neb., 950; 7. Tiffany Bittner, Hampton, Neb., 878; 8. Cody Williams, Minneapolis, Kan., 863; 9. Damon Richards, David City, Neb., 855; 10. Eric Stanton, Carlisle, Iowa, 778; 11. Wesley Warren, Fairfield, Texas, 770; 12. Jason Wilkinson, Neligh, Neb., 756; 13. Cory Probst, Brewster, Minn., 732; 14. Dave Riley, Sioux City, Iowa, 730; 15. Cameron Wilkinson, Neligh, Neb., 724; 16. Leah Wroten, Independence, Iowa, 710; 17. Nathan Ballard, Marengo, Iowa, 704; 18. Colton Pfeifer, Stockton, Kan., 699; 19. Justin Luinenburg, Reading, Minn., 687; 20. Shay Simoneau, Damar, Kan., 685.Karl Chevrolet Northern SportMods – 1. Nelson Vollbrecht, Stanton, Neb., 1,103; 2. Tony Olson, Cedar Rapids, Iowa, 1,024; 3. Tyler Soppe, Sherrill, Iowa, 1,010; 4. Jake McBirnie, Boone, Iowa, 972; 5. Kyle Prauner, Norfolk, Neb., 946; 6. Nick Meyer, Whittemore, Iowa, 925; 7. Daniel Gottschalk, Ellis, Kan., 921; 8. Johnathon D. Logue, Boone, Iowa, 899; 9. Carter VanDenBerg, Oskaloosa, Iowa, 870; 10. Robby Rosselli, Minot, N.D., 857; 11. Jesse Skalicky, Fargo, N.D., 842; 12. Brandon Spanjer, Crete, Neb., 811; 13. Ryan King, Montour, Iowa, 803; 14. Austin Luellen, Minburn, Iowa, 788; 15. Dennis Gates, Claypool, Ariz., 761; 16. Kevin Bethke, Neenah, Wis., 749; 17. Randy Roberts, Boone, Iowa, 744; 18. Matthew Looft, Swea City, Iowa, and Brian Davidson, Bennington, Kan., both 738; 20. Clinton Luellen, Minburn, Iowa, 734.Scoggin-Dickey Parts Center Southern SportMods – 1. Jeffrey Abbey, Comanche, Texas, 1,172; 2. Ronnie Welborn, Princeton, Texas, 1,087; 3. Cory Williams, Slaton, Texas, 1,044; 4. Kamera Kaitlin McDonald, Keller, Texas, 925; 5. James Skinner, Burleson, Texas, 668; 6. Taylor Florio, Copperas Cove, Texas, 594; 7. Robert Scrivner, Waco, Texas, 590; 8. Thomas Walp, Olney, Texas, 570; 9. James Hanusch, Belton, Texas, 538; 10. Dustin Leatherman, Muskogee, Okla., 498; 11. Justin Nabors, Kemp, Texas, 497; 12. T.J. Green, Robinson, Texas, 470; 13. Jon White Jr., Red Oak, Texas, 448; 14. Justin Long, Haslet, Texas, 445; 15. Logan Ellis, Wagoner, Okla., 443; 16. Cullen Hill, Healdton, Okla., 439; 17. Kyle Wisdom, Abilene, Texas, 428; 18. Bradley Poor, Abilene, Texas, 423; 19. Caden Ellis, Wagoner, Okla., 422; 20. Lodi Mitchell, Abilene, Texas, 418.Mach-1 Sport Compacts – 1. Ramsey Meyer, Pierce, Neb., 1,162; 2. Tyler Thompson, Sioux City, Iowa, 990; 3. Jay DeVries, Spencer, Iowa, 919; 4. Kaytee DeVries, Spencer, Iowa, 910; 5. Lance Mielke, Norfolk, Neb., 887; 6. Shannon Pospisil, Norfolk, Neb., 886; 7. Brooke Fluckiger, Columbus, Neb., 880; 8. Randy Nelson, Albion, Neb., 858; 9. Scott Spellmeier, Beatrice, Neb., and Levi Heath, Wilton, Iowa, both 842; 11. Colby Kaspar, Columbus, Neb., 830; 12. Richard Crow, Grand Island, Neb., 825; 13. James Roose, Grandview, Iowa, 763; 14. Nate Coopman, Mankato, Minn., 698; 15. Jake Newsom, Sioux City, Iowa, 675; 16. Joe Bunkofske, Armstrong, Iowa, 660; 17. Cody Van Dusen, Atalissa, Iowa, 654; 18. David Norquest, York, Neb., 653; 19. Darwin Brown Jr., Jackson, Minn., 614; 20. Nick Lindblad, Beatrice, Neb., 597.last_img read more

23 Sep

Mayden, Bloom, Ashley find the right groove at The Grove

first_imgCOTTAGE GROVE, Ore. (July 18) – For the second occasion in 2020, the engines roared at Cottage Grove Speedway with a full pit area at the historical ¼-mile clay oval Saturday night. The Karl Kustoms Northern SportMods would witness a giant-slaying as  Hunter Bloom was large and in charge of the main event.  The Eugene racer took control of the lead on lap one and remained there after the final circuit.  It marked the first occasion that Bloom has graced victory lane in the division at The Grove. It was Ricky Ashley who managed to navigate his way past Maricle. Ashley stayed out in front the rest of the way to win his first race of 2020. The Mach-1 Sport Compacts went caution-free in their main event, and it started with Joe Maricle going to the front at the drop of the green flag.  Maricle stayed in that position until getting passed on the third circuit.  Checkers flew Saturday night at Cottage Grove Speedway for IMCA Modified winner Jake Mayden. (Photo by JRP Racing Photos) By Stephanie Deatherage John Campos wound up second with third going to Bricen James.  More than 30 IMCA Modifieds inhabited the house for their second race of the year and Jake Mayden had his way with the field in earning his first local checkers of 2020.  David Schmidt put in a second-place finish while behind him, in third, was Doug Coffman.last_img read more

18 Jan

UP leader Molde praises young Lady Maroons, demands more from herself

first_imgLights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew In fight vs corruption, Duterte now points to Ayala, MVP companies as ‘big fish’ “They’re adjusting to just listening to us when we’re talking inside the court and you can see that these kids are willing to learn and they will follow instructions.”Molde finished with 18 points to lead the Lady Maroons to a 3-2 record and a fourth-place standing in the eight-team ladder while Magsarile added 10.And if Molde’s praising her younger teammates, she didn’t have one for herself.Molde knew she had to do more as the tournament dwindles down to its last few elimination games.“I know that I’m not playing at my best,” said Molde. “I can see it in how I play that this isn’t my top performance.”ADVERTISEMENT Sports Related Videospowered by AdSparcRead Next LATEST STORIES DepEd’s Taal challenge: 30K students displaced Palace OKs total deployment ban on Kuwait OFWs Judy Ann’s 1st project for 2020 is giving her a ‘stomachache’ Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award It’s been almost four years since Molde was named as the top rookie of the UAAP Season 78 women’s volleyball tournament, and the incoming senior is now the one guiding her new teammates.Just as what the likes of Nicole Tiamzon and Kathy Bersola did to her back in 2016, Molde is now the role model of youngsters Nicole Anne Magsarile and Lorielyn Bernardo.FEATURED STORIESSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSJapeth Aguilar wins 1st PBA Finals MVP award for GinebraSPORTSTim Cone still willing to coach Gilas but admits decision won’t be ‘simple yes or no’And even though the UAAP has yet to start, Molde is already starting to see glimpses of brilliance from her younger teammates in the Premier Volleyball League Collegiate Conference.“I think the kids are still coping with our attitudes as the seniors because before they became our teammates, when they were in high school, they were the ones who were carrying their team,” said Molde in Filipino after their three-set win over College of St. Benilde, 26-24, 27-25, 29-27, Wednesday at Filoil Flying V Centre in San Juan. Peza offers relief to ecozone firms MOST READ ‘High crimes and misdemeanors’: Trump impeachment trial begins Gone are the days when the troika of Molde, Diana Carlos, and Justine Dorog were considered as University of the Philippines’ new breed of Lady Maroons.ADVERTISEMENT Gov’t in no rush to rescue animals in Taal House bill filed to naturalize Justin Brownlee Don’t miss out on the latest news and information. Nadine Lustre’s phone stolen in Brazil View commentslast_img read more