There’s no denying that the world has dramatically shifted toward electronic communication, so many people wonder if direct marketing still works.The answer is a resounding yes, mainly because direct mail has an 80 percent-plus open rate!Google, the world’s most popular search engine, regularly uses snail mail marketing to promote coupons for its AdWords programs and other services. Credit unions are also finding that direct snail mail marketing is helping them grow their loan portfolios, including mortgages and home equity loans, as the real estate market continues to gain positive traction.While the huge demand for email marketing services continues, credit unions have seen success from direct marketing mailers, postcards and letters. Credit unions have felt a resurgence of sorts in their return on investment (ROI) when it comes to direct mail marketing.Direct mail response rates took a tremendous leap in 2016 with a 5.3 percent response rate to house lists and 2.9 percent to prospect lists. These are the highest levels the DMA has tracked since 2003. For comparison, in 2015 the rates were 3.7 percent and 1.0 percent respectively. In 2010 it was 3.4 percent and 1.4 percent.“Some people say that direct mail is dead or it doesn’t work, but we’ve seen just the opposite,” said Jackson Hunt, Vice President of Marketing at Ser Technology. “When you customize the direct marketing pieces, members feel they are part of the credit union. We have seen personalization outpace standard direct marketing pieces without any personalization. There’s plenty of research out there on the effectiveness of this.”One advantage of direct mail campaigns is that they can be far more cost-effective than mass marketing initiatives for small and midsize credit unions, allowing them to cross-sell, deepen relationships with members, loan growth and member retention. Almost any type of marketing campaign has two interrelated objectives — produce accounts and balances, and have a positive impact of underlying customer relationship. The credit unions that do manage to track campaigns focus almost exclusively on counting accounts and balances in promoted products. However, without the broader relationship component, they may be missing a material portion of the profit generated by a campaignAccording to the Direct Marketing Association, Industries with the highest use of direct mail are Financial Services — Banks or credit unions at 71 percent, Consumer Packaged Goods at 63 percent, Retail at 55 percent, Travel or Hospitality at 55 percent, and Publishing or Media at 54 percent. Furthermore, 48 percent of people prefer direct mail for receiving marketing from credit unions, and it’s not just the mid-life members who want the information sent to their actual mailbox. A study fielded by Experian shows that nearly every Millennial (ages18-35) owns a smartphone, and 43 percent say that they now access the internet more through their phone than a computer, compared with just 20 percent of adults ages 35 and older. However, despite their hyper-wired digital connectedness, Millennials as a group report that the last time they responded to direct mail campaign was within 2.4 months. That’s less than the average response time for all respondents. Similarly, Millennials open the direct mail they receive at the same high rate of 66 percent as recipients overall. To be successful, your direct marketing campaign should enable a high degree of variability to service end consumer recipients with information that is highly relevant and personalized to their needs, ultimately leading to an improved customer experience. “Direct marketing is an incredible tool that can add tremendously to the advertising plans of most Credit Unions,” Hunt explained. “Today’s world may be more digital than ever, but consumers still very much appreciate having tangible products in their hands.” 415SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Shana Richardson Shana Richardson began her career in financial technology with the Texas Credit Union League. Here, she managed the turnkey, pre-screen Auto Loan Recapture™ program, and later assumed broader responsibilities as … Web: www.sertech.com Details Co-authored by; Candice Reed a award-winning journalist, author, and PR consultant. She has written for the Credit Union Times, Credit Union Journal and many more publications.
continue reading » One wintry Saturday morning a couple years ago, a new member and her two preschool daughters walked into Community Plus Federal Credit Union in Rantoul, Illinois, and approached the loan officer’s desk.The woman told her children, “This is the lady who helped us get our car,” and the girls gave the loan officer a hug. The family had good reason to be thankful: Before qualifying for the loan through the credit union’s new Ride to Work program, the woman was up predawn every weekday, waking her daughters so they could walk together to their child care provider before she caught a ride to work. When they needed groceries, they pulled their wagon to and from the store.President Michael Daugherty shares this story to illustrate the impact of Community Plus FCU’s commitment to the nonprime auto lending program, which has produced $3.3 million in loans for the $19 million credit union serving 4,000 members since its launch in late 2015.“It really gave us some validation. The numbers tell us a lot, but it’s these kinds of stories that confirm, ‘Yes, we should be doing this,’” says Daugherty, a CUES member. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
A gathering at the Sharpeville Memorial in the Gauteng township to pay tribute to those who died in the violence.. (Image: Emfuleni local municipality) MEDIA CONTACTS • Klaas MofommeEmfuleni spokesperson+27 16 950 5309 or +27 82 610 5718RELATED ARTICLES • Freedom Charter copy auctioned • Twenty years of freedom • The African Activist Archive • Liliesleaf to sprout new hotelJanine ErasmusOn 21 March, Human Rights Day, South Africa remembered the Sharpeville massacre of 50 years ago, when police clashed with crowds protesting against unjust apartheid laws. Sixty-nine people were killed and close to 200 injured in the demonstrations.The watershed event was commemorated peacefully, in stark contrast to the bloody confrontation of the day.This year about 5 000 people came together in Sharpeville, a township near Vereeniging about 50km south of Johannesburg, to pay tribute to those who gave their lives for the country’s liberation struggle. Of the 69 who died, 10 were children and eight were women, and all were unarmed.As the horrific events at Sharpeville were unfolding, protesters in the Western Cape’s Langa township, some 1 600km away, also came under police fire and tear gas assault, and two people were left dead.The government retaliated by declaring its first State of Emergency and banning the African National Congress (ANC) and Pan Africanist Congress (PAC). This fateful decision led to the ANC taking up arms against apartheid through its military wing, Umkhonto we Sizwe.Remembering the fallenDeputy President Kgalema Motlanthe was present at the commemoration, which took place under the theme “Working together we can do more to protect human rights”. He attended a service at the local Catholic church and laid wreaths on the graves of Sharpeville victims during a hymn service.“The Sharpeville and Langa massacres were a tipping point in that they triggered revulsion and disgust locally and internationally,” said Motlanthe, revisiting the events of 50 years ago. “The government of the day responded by banning the ANC and PAC and this precipitated the end of the non-violent struggle and brought to bear an advent of the armed struggle by the liberation movement.”Motlanthe also pointed out that demonstrations of that time were peaceful and that people didn’t set out to loot shops or burn cars, unlike the protesters of today who seem to think nothing of destroying private and public property.He urged those with grievances to use the democratic channels available to them, and to voice their protests without resorting to violence.Like 50 years ago, many members of today’s Sharpeville community are poverty-stricken and dissatisfied, and protests against poor service delivery are a part of life.“To adequately commemorate the victims and survivors of the Sharpeville massacre and other bloodbaths, we must ensure the progressive realisation of the socio-economic rights as envisaged in the Bill of Rights,” said Motlanthe, adding that government and its social partners must work harder to improve the quality of life of all South Africans, by providing shelter, basic amenities, education, and security.Nationwide protests against the passAlthough the apartheid system would not fall for another 30 years, the tragedy at Sharpeville was the beginning of its demise. International condemnation was swift and severe and led to disinvestment from South Africa, the country’s global isolation and eventually, the end of the Nationalist apartheid regime.The Nationalist government, during its reign, had imposed ludicrous laws and restrictions on black people, intended to control their movements and isolate them from fellow South Africans of other races. One of these was the stipulation that black people working away from their homes, mostly in white areas, had to carry a pass book.The pass law was enacted in the early part of the 20th century, but was most visibly and cruelly enforced during the tenure of the apartheid government, which came to power in 1948.The pass was a type of identification document that carried the personal information of its bearer, including their name, photograph, address, fingerprints, criminal and tax records, and name of employer. In essence, the pass showed that they had permission to move about in white areas. Under the law of the time, an employer could only be a white person, and he or she sometimes entered an evaluation of the employee into the pass book.The pass laws at first applied only to men, but before long they were extended to include women. Travelling to other areas without a pass book was a huge risk, because of the possibility of arrest and imprisonment.This was a degrading experience for black people, and understandably it was met with great resistance. Both men and women rebelled, leading to ongoing demonstrations and many thousands of arrests.The ANC-led Defiance Campaign against unjust laws was launched in 1952, in collaboration with the party’s ally, the South African Indian Congress, with whom it had signed a pact of mutual support in 1947. The idea here was that people would deliberately break the pass laws and then give themselves up to the police, in the hopes that cells would become crowded and the police system overloaded. All race groups were involved.The campaign didn’t have the desired effect, and the ANC decided to draft an entirely new Constitution for South Africa. This led to the adoption of the Freedom Charter in 1956, which was outlawed by the government as part of a plot to replace it with a communist state. Government action led to the arrest of 158 activists, and the subsequent Treason Trial.In August of that same year a group of 20 000 feisty women marched on the Union Buildings, the seat of the government, in Pretoria. Singing the now-famous struggle song “Wathint’ abafazi, wathint’ imbokodo!” (Zulu, meaning “strike the women, strike the rock”) they showed their outrage at the pass laws. The event is now remembered on 9 August, South Africa’s National Women’s Day.Boiling pointHowever, all this strife was like a simmering cauldron about to boil over, and in 1960 that is exactly what happened. The PAC, a newly formed breakaway group of the ANC, demonstrated on 21 March of that year in Sharpeville under the leadership of the charismatic Robert Sobukwe.The PAC and ANC had been vying for support from the people, and the PAC got wind of an ANC anti-pass march, scheduled for 31 March. The former decided to strike first and planned their march for 10 days earlier.Sobukwe led a contingent of PAC comrades in a march on the police station at Orlando, Soweto. Here he admitted guilt to being in an area other than what was stipulated in his pass book, and offered himself up for arrest. He was sentenced to three years in jail but when his term was up, at the discretion of the justice minister his imprisonment was renewed on an annual basis for a further three years. This was the controversial so-called Sobukwe Clause, implemented as Article Four of the General Law Amendment Act of 1963.At the same time, at various spots around the country, and particularly in the Gauteng township of Sharpeville, about 50km south of Johannesburg, marchers were preparing to descend on police stations and hand themselves over in a repeat of Sobukwe’s actions, or for not carrying their pass books at all.At the sight of the thousands of marchers, police in Sharpeville panicked and shot into the crowd. They were reportedly on edge because of the killing of nine police members in Cato Ridge, KwaZulu-Natal, just a few weeks before. The police later claimed to have been attacked first by stone-throwers, but as many of the wounded were shot in the back, this claim is refuted.The Truth and Reconciliation Commission, set up in 1995 to investigate atrocities committed on both sides during the apartheid years, found that police actions were the cause of the massacre.“The Commission finds that the police deliberately opened fire on an unarmed crowd that had gathered peacefully at Sharpeville on 21 March 1960 to protest against the pass laws,” said its 1998 report.The despised pass laws were eventually repealed in 1986 under the leadership of the late state president Pieter Willem (PW) Botha.Today Sharpeville is also remembered as the place where former president Nelson Mandela signed the new Constitution in December 1996. The document came into force in February 1997.
Tottenham 3 Real Madrid 1: Alli double seals sensational Spurs’ last-16 spot Joe Wright Last updated 2 years ago 05:41 11/2/17 Getty Images Tottenham booked their place in the Champions League last 16 with a memorable win over holders Real Madrid at Wembley. Tottenham qualified for the Champions League knockout phase with a stunning 3-1 victory over Real Madrid on Wednesday.Two goals from Dele Alli and one from Christian Eriksen gave Mauricio Pochettino’s side a fully deserved triumph at Wembley over the holders, who were well short of their best and looked vulnerable to every Spurs counter-attack.These two teams played out a 1-1 draw at the Santiago Bernabeu two weeks ago and there was little to separate them in a lively first half, until Alli steered in a Kieran Trippier cross. Article continues below Editors’ Picks Lyon treble & England heartbreak: The full story behind Lucy Bronze’s dramatic 2019 Liverpool v Man City is now the league’s biggest rivalry and the bitterness is growing Megan Rapinoe: Born & brilliant in the U.S.A. A Liverpool legend in the making: Behind Virgil van Dijk’s remarkable rise to world’s best player England international Alli, who made his MK Dons debut in the FA Cup first round almost five years ago to the day, doubled his side’s lead just after the break with a deflected strike to leave the visitors stunned.It got worse for Madrid less than 10 minutes later when Eriksen finished after a pass from the returning Harry Kane, and although Cristiano Ronaldo struck a consolation goal, there was little else to smile about for the Spanish and European champions.The win guarantees a last-16 spot for Spurs and leaves Zinedine Zidane facing a mini-crisis at Madrid, who have now lost two games in a row and are eight points adrift of Barcelona in LaLiga.2 – Dele Alli is the third English player to score a brace against Real Madrid in #UCL, after David Beckham and Steven Gerrard. Heroic. pic.twitter.com/GohxEwTxhX— OptaJose (@OptaJose) November 1, 2017There was a clear respect between the teams as neither seemed prepared to commit men to the attack early on, with Spurs coming closest through two ambitious chipped efforts from Kane and Harry Winks that Kiko Casilla caught easily.The home side’s high pressing looked to have unsettled Madrid, although Pochettino was dealt a blow in the 24th minute when Toby Alderweireld had to go off with what looked to be a thigh muscle problem.However, just three minutes later, they had Wembley on its feet. Tripper sent in a first-time cross from the right and Alli stole in front of Nacho to prod the ball into the net from six yards.Trippier looked to be fractionally offside when found smartly by Winks and any Madrid frustrations grew when Hugo Lloris made three good saves to deny Casemiro and Ronaldo twice.The half finished in end-to-end fashion, Sergio Ramos blocking a Kane effort, Lloris stopping a Karim Benzema half-volley and Alli seeing penalty appeals waved away after a tussle with Casemiro.But Alli had better luck 11 minutes into the second half. Having skipped past the challenge of Casemiro, his shot from 18 yards took a big deflection off Ramos and nestled into the net past the wrong-footed Casilla.Nine minutes later, Spurs had their third. A blistering counter-attack started by Alli saw Kane send Eriksen clean through on goal and he made no mistake with a low left-foot finish past Casilla.Madrid had not failed to score in a group game since October 2015 and they did find a consolation, with Ronaldo firing home from close range after a scramble in the Spurs box, but it did little to take the gloss off one of the London club’s most famous wins in their modern history.1 – Cristiano Ronaldo has scored at Wembley for the first time ever (four competitive games – excluding penalty shootouts). Solace. pic.twitter.com/pRPV0w3GnX— OptaJose (@OptaJose) November 1, 2017KEY OPTA STATS- Tottenham have inflicted Real Madrid’s first loss in the Champions League group stage since October 2012, ending a 30 game unbeaten run.- In fact, this is Real Madrid’s biggest margin of defeat in a Champions League group game since November 2008, losing 2-0 against Juventus.- Tottenham have finally defeated Real Madrid at their sixth attempt after losing three and drawing two of the previous five.- Spurs are still yet to keep a clean sheet in European competition at Wembley, conceding eight goals in six games.- Dele Alli has scored four goals in his last four games for Spurs; one more than he managed in his first nine this season.- Kieran Trippier has recorded 13 assists in all competitions in 2017; six more than any other Premier Leaguer defender.- Cristiano Ronaldo has scored 10 goals v Tottenham in all comps, more than against any other English side. read more
About the authorPaul VegasShare the loveHave your say Man Utd boss Mourinho in awe of Robertson energy: Incredible!by Paul Vegas10 months agoSend to a friendShare the loveManchester United boss Jose Mourinho admits they couldn’t handle the speed of Liverpool for Sunday’s defeat.Mourinho was full of praise for Reds fullback Andrew Robertson after the 3-1 defeat.He said: “Liverpool play 200mph with and without the ball.“I am still tired to look at Robertson. He makes a 100m sprint per minute! Incredible.”Mourinho did not even attempt to argue against the final result.“The strongest team won, but they won in the period when they were not stronger than us.“In first 20 minutes of the first half there was a huge distance [between the teams]. They were better and stronger, they did everything better than us.”
College GameDayMuch to the chagrin of Indiana football fans, ESPN’s College GameDay is officially headed to Clemson ahead of the Tigers’ big contest against Notre Dame next Saturday. The Tigers and Irish will be meeting on the gridiron for the first time since 1979.Indiana fans, including ESPN’s Dan Dakich, had been making a push to get GameDay to come ahead of the Hoosiers’ Big Ten affair against Ohio State. Alabama vs. Georgia, one of the biggest SEC games of the year, was likely also considered.See you in a week, @ClemsonFB and @NDFootball. pic.twitter.com/tzHB1H4ilA— College GameDay (@CollegeGameDay) September 27, 2015Back in 2013, GameDay was on-hand for two of Clemson’s home games. The Tigers beat Georgia in their opener, but lost to Florida State mid-season.
CALGARY – A study by a sustainable energy research group predicts the federal government’s purchase of the Trans Mountain pipeline will add significantly to the deficit next year.The study by the Institute for Energy Economics and Financial Analysis says the buying the Kinder Morgan Canada assets, plus planning and construction costs, will put $6.5 billion in unplanned spending on the books for the 2018-19 fiscal year.Study authors Tom Sanzillo and Kathy Hipple say that until the Ottawa clarifies how it plans to account for the spending, there’s a risk the purchase could add 36 per cent to the projected $18.1-billion deficit.The federal government agreed to buy the existing pipeline, expansion project and terminals from Kinder Morgan Canada for $4.5 billion after the company threatened to walk away from the Trans Mountain expansion project.The government has said it doesn’t plan to be a long-term owner and is looking for buyers, including Indigenous communities, pension funds and the Alberta government.The Trans Mountain expansion project has faced significant opposition over concerns of oil spills, tanker traffic and increased oilsands production.
In a morning report, analysts at Desjardins Energy Research agreed the election results were a “positive development” for the oil and gas sector.They add, however, that the province’s difficulty in moving oil to market due to a lack of pipeline capacity, blamed for steep discounts in western Canadian crude prices last fall, will remain a major thorn in the side of the new government.The TSX capped energy index, which tracks oil and gas company stock prices, was up almost one per cent in early trading Wednesday morning, led by gains by many Canadian oil and gas producers including Suncor Energy Inc. and Imperial Oil Ltd. and a strengthening U.S. benchmark oil price.CAPP points out that the UCP has also pledged to spend up to $30 million to combat misleading news reports about the industry, and to create a “war room” to examine foreign-funded anti-oil campaigns.“CAPP is encouraged by premier-elect Jason Kenney’s commitment to the oil and natural gas industry and looks forward to working constructively with the UCP to ensure the province meets its energy goals,” it said. CALGARY _ The Alberta oilpatch is applauding the provincial election win by Jason Kenney and his United Conservatives.The Canadian Association of Petroleum Producers offered congratulations and welcomed the UCP’s commitment to making regulatory, economic and fiscal policy reforms.It says it endorsed UCP election promises to cut the corporate tax rate to eight per cent from 12 per cent, develop a natural gas strategy, reduce red tape and complete a review of the Alberta Energy Regulator within the first 180 days.