Credit union budgeting for weird times: Double down on different

first_img 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Brian Wringer Former watermelon farmer Brian Wringer wears several hats for iDiz Incorporated, including Web Projects Manager, Wordsmith, and Big Idea Guy. He builds better credit unions by day and weird old … Web: Details It’s budget season for credit unions, but it’s also silly season in politics and wacky times in finance. Even the weather is off-the-charts odd, and strange growth-eating monsters are creeping over the horizon in every direction.In times like these, how do you even begin to make your plans for the strange and stranger times to come in 2020?Weird is what credit unions are made forStrange times are a golden opportunity for credit unions to grow market share and wallet share. Credit unions will always be key to helping regular folks weather whatever storms are brewing.Credit unions at their best represent safety, security, and sanity. These are important emotional needs, and they’re only going to get more important.Get to know your monstersMonsters are the problems, big and small, now and in the future, that keep you from growing. Whether you’re facing the Wimpy Website Monster, the Static Strategy Monster, or the horrible Bankthink Behemoth, you’ll need to be brave and snuggle up to find their weak spots.Fixing these growth-blockers must be a high priority when you’re building budgets; credit unions simply can’t afford any added barriers. For example, if your website is still screaming “2002” (or even “2012”), it’s costing you members every day and needs to get fixed, pronto.Emotions are the keyNo one knows what the Fed is going to do in 2020, but with a little imagination you can pretty accurately predict what sort of emotional needs your members will have.How will you fulfill these needs better than anyone else? And what do you need to change and budget for in order to more clearly communicate the differences?Differentiation is the secret sauceYou can’t be bigger than the big banks, you can’t always be cheaper, but you can always be “Differenter”, and meet these emotional needs in a different and better way.Credit unions absolutely own concepts like warmth, humanity, and caring. Make the most of that. Make sure everyone can really feel and see an authentic difference.Different is your best investmentAnd that’s the key to sorting out the best places to invest money, time, and energy: what’s going to get you the biggest, most emotional, and most different bang for the buck? You are what you spend.Here’s an example: if community service is an important part of your “different DNA”, turn it up to 11. Instead of writing the same checks every year, how can you donate more time to multiply the effectiveness of the dollars? Are you supporting causes your members and employees are truly passionate about? Is there a plucky little nonprofit working on a little-known but important local cause where your involvement could change lives?Or maybe your website is OK, but there’s no “WOW!” factor any more. Tech changes fast, so maybe it’s time for a re-skin. Challenge your website developers to make your site simpler, faster, more finger-friendly, easier to update, and more integrated with your digital marketing.What if your credit union could do a better job of being where members turn for trusted answers? Maybe it’s time to focus on creating and sharing great online content fine-tuned for the issues folks in your town are worried about.If you’re wondering where all the younger members went, maybe it’s time to give them a CU to believe in. Younger people are very worried about the economy, and looking for answers. They naturally “get” the credit union difference, but only if they know about it. Make sure your tech is up to snuff and everything online is 100% mobile friendly.Budget more than moneyDon’t forget to budget and manage time, energy, attention, goals, and expectations as well as dollars and cents. Leverage professionals to make the most of your time and bring more spark to your creative.You’ll need to bring your marketing and branding “A” game. The credit unions that thrive in weird times will be the ones that make the smartest investments in amplifying and refining their unique, emotional connections to their members.last_img read more

Iloilo bans hogs, pork products from ASF areas

first_imgILOILO – This province remains freefrom the African swine fever (ASF), a contagious hemorrhagic swine disease withno known cure. “ASF is a threat to the swine industryand the food security of the province,” Defensor stressed in issuing Executive OrderNo. 159 on the temporary ban. * conductseminars to all concerned stakeholders on ASF awareness, prevention,preparedness and response in case of outbreak * livestock and poultrytransport / carrier certificate * carry out theproper implementation of ASF prevention and control measures within theprovince * farmregistration * enhancebiosecurity practices in all ports of entry and swine production facilitieswithin the province Theexecutive order also stated that “all swine, pork, pork products andby-products shall be accompanied by National Meat Inspection Service or LocalGovernment Unit Meat Inspection Certificate.” * veterinaryhealth certificate (VHC) and veterinary shipping permit On Sept. 4, Defensor formed the IloiloProvincial African Swine Fever Task Force (IPASFTF) to do the following tasks: He also ordered strict veterinaryquarantine procedures in seaports and at the Iloilo International Airport bythe quarantineteams of the municipalities of Cabatuan, Dumangas, Ajuy, Estancia, and Carles. The following are the requirements: * accomplish datagathering to establish swine demographics and epidemiological profile The Department of Agriculture (DA)recently confirmed ASF in the provinces of Bulacan and Rizal, and in thefollowing countries: China, South Korea, Vietnam, Cambodia, Myanmar, LaoPeoples Democratic Republic, Belgium, Bulgaria, Moldova, Russia, Ukraine,Luxembourg, Latvia, Poland, and Romania.center_img * imposeimmediate closure of any farm if confirmed to be infected with ASF * identify high-riskareas based on swine demographics, epidemiological profile and animal diseasesurveillance data * ensure theimmediate conduct and release of confirmatory diagnosis in case of suspectedoutbreak * disinfectionclearance Only those that meet the regulatoryrequirements of the Bureau of Animal Industry (BAI) would be allowed to enterIloilo. * livestockhandler’s permit He assured the public that despite theban, Iloilo has ample supply of meat. The province’s sources of meat are NegrosOccidental, Cagayan de Oro and Cebu. * certificate ofvehicle registration * ensureimplementation of quarantine measures As a preventive measure, however, Gov.Arthur Defensor Jr. ordered a temporary ban on hogs, pork, pork products andby-products from ASF-hit areas. * conduct initialdisease investigation and institute outbreak control protocols in the event ofa suspected ASF case The task force iscomposed of a chairperson (provincial governor), co-chairman (provincialveterinarian) and the following members: provincial administrator, provincialdisaster risk reduction and management officer; provincial legal officer,provincial agriculturist; president, united livestock technicians association;representative from national meat inspection services, among others./PNlast_img read more