Checking account growth – It’s go time!

first_imgIt’s go time!  New account activity peaks spring through fall, so now is the time to put your acquisition strategies in place.  Our client data shows a consistent national trend each year with new account openings.  The new account activity increases in early spring, the momentum created by tax returns and nicer weather. A second peak occurs between June and September, followed by the lowest period of activity in November and December.  Right now, we’re experiencing the first spike in activity, so it’s time to make sure systems are in place and strategies are aligned to get more than your fair share of new accounts.Each new member who enters your branch is a great opportunity.   This visit may be the most time you ever get to spend with them, so make it count.   It’s time to audit the experience of a new member.Roadmap/New Account ProcessHow is the time being spent?   Is there a roadmap to the conversation to ensure a good conversation flow and that all key areas are covered?  WorkflowAre employees leaving the member to scan, copy and print?  Are there any efficiencies you can add to reduce time on processes?New Account PersonnelIt can be tempting to rush through the process.  Remember the member drove to your location to open the account – they are seeking a financial advisor, not somebody who cursorily completes the paperwork. Is the employee confident and knowledgeable?  Do they ask questions to identify and understand the member’s needs so they can offer solutions?   Are they offering to assist with moving direct deposits and automatic payments?  Consider having a member of management open a new account on a regular basis to examine the process and determine if there could be an improvement in the member experience.It is during and after the account opening that you set yourself apart from the competition.   The onboarding process is key in building the relationship with the member.  How can you impress members during this critical time in your new relationship?Open Communication ChannelsEstablish communication channels with the new member.  How do they prefer future communication?  Do they prefer a phone call, email, text, or mail?   Young adults greatly prefer to send a text rather than to pick up the phone. If that option is available, it can facilitate drastically better communication.   More mature members may prefer a phone call.  If this is the case, which number and what time of the day is a good time to reach them?   Let the member know to expect future contact so it is expected.Send thank you notes shortly after account opening.   Have the relationship manager who opened the account write a personal note and mention something specific that was discussed during the new account process so the member feels valued and remembered.OnboardingHaving an onboarding strategy is just as important as having an acquisition strategy.   If the new account isn’t activated, you haven’t become their primary financial institution.   Onboarding starts with moving direct deposits over.  Offer to assist the member with this process and changing any automatic payments over to the new account. Check the member’s new account to see if there is debit card activity during the first 10 to 14 days.  If there is no activity, the new account personnel should verify the member’s new debit card was received and see if they need any additional assistance during a follow-up call.Switch kits just don’t work.  If the member uses automatic payments instead of bill pay, offer to get the actual forms they need for automatic withdrawals instead of a generic one.  It’s a good idea to have the major utility companies’ forms on hand to better assist with the process. Follow UpFollow up with a thank you note, phone call, and letter from management.   This personal connection makes the member feel that their business is valued and appreciated.Make note of future sales opportunities from your new account interview and follow up with the member.  If the member mentioned they had a CD maturing in early July, contact the member in late June with your rates and other investment options.  If the member mentioned they have a child needing a new car in the fall, contact them in late July with auto loan rates.  This kind of attention will set you apart from your competitors.  Members want to know they are important to you.Ask for referrals.  Don’t forget to ask these new members to refer their friends, family, and colleagues.  If you’ve provided exceptional service to your members, they won’t hesitate to make referrals. Focusing on all the little steps makes a big difference in getting the relationship and retaining memberships.  To maximize the opportunities during peak new account opening seasons, act now to ensure you have all the processes in place.  It’s go time!For assistance with digital referral programs, onboarding processes, and activation strategies around new and existing accounts, contact Velocity Solutions. 38SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Cindy J Draper Cindy J. Draper is a Retail DDA Strategist and Director of Training at Velocity Solutions. Cindy has over 20 years of experience in the banking industry. She has worked her … Web: myvelocity.com Detailslast_img read more

Govt stands surety for Eskom

first_imgIncluded in the amount is the existing debt issued under Eskom’s domestic medium term note (DMTN) programme: the ES26 (Eskom 2026, 7.85%, maturing 2 April 2026), the ES33 (Eskom 2033, 7.5%, maturing 15 September 2033) bonds and the two Floating Rate Notes (maturing 2026 and 2033). Broader positive implications Would you like to use this article in your publication or on your website? See: Using SAinfo material The Eskom Subordinated Loan Special Appropriation Act provides for a multi-year appropriation as follows: R10-billion in 2008/09, R30-billion in 2009/10, and R20-billion in 2010/11. “If required, government would either repay the debt in its entirety or step into the shoes of Eskom and continue to make payments on Eskom’s behalf,” the department said. “An annual limit, determined by Eskom’s cash flow requirements, will be set on the debt that Eskom can issue each year under the guarantees.” According to the Department of Public Enterprises, the loan demonstrates the government’s commitment to ensuring Eskom’s financial stability, as the backing will enable the company to maintain a solid investment grade credit rating. Subordinated loan 18 February 2009 Domestic medium term note programme “The remainder of the guarantees will be to support the issuance of new debt, both locally and internationally,” the Department said in a statement this week. “The guarantees are in addition to the R60-billion subordinated loan in support of Eskom’s capital expansion programme that has already been approved.” According to the department, this commitment by the government has broader positive implications in that it results in an overall credit enhancement, which, in addition to the existing security against some of the existing international and domestic issuances, benefits un-guaranteed lenders. The South African government has approved guarantees totalling R175.87-billion over five years in support of Eskom’s capital expansion programme, in light of the critical role the state power company plays in the economy. “Guaranteeing the ES26 and ES33 allow Eskom to utilise the existing DMTN programme to continue raising funds,” the statement read. “Government rights will be subordinated to those of other un-guaranteed lenders and commercial creditors.” SAinfo reporter Eskom has already established sizeable issuances in the bonds and notes issued under the DMTN programme. The bonds issued under the DMTN programme form part of the All Bond Index (ALBI) (ES33 2.64%; ES26 1.58%), which in addition to the size of the issuances creates liquidity in the secondary market.last_img read more

The Next Generation of Adobe Creative Cloud Is Now Available

first_imgAdobe has released their fall 2017 updates for Creative Cloud. Here are some of the new features that you can use to streamline your editing workflow.Images and Videos via Adobe.This morning, Adobe announced new features across the Creative Cloud. These new toolsets enhance your editing speed with easy-to-use graphics, Team Projects, and new VR compatibility.Adobe Team ProjectsThe Team Projects tool is now out of beta and fully released in both Premiere Pro and After Effects. You can now share one project file among multiple people. Use it to collaborate with your colleagues, and they can insert notes in the project file or make a few edits without having to manually move the project and its assets to a separate drive.The Team Projects tool also has an auto-save feature, which automatically saves all your edits and uploads them to the shared project file.Visit Adobe learn more about Team Projects.Multiple Open Projects — Premiere ProWe can finally open multiple projects at the same time. Now you can move clips and sequences between projects without importing the project file into separate projects. This is a huge update that we have been hoping for, and it is sure to help you organize your videos across multiple projects.Improved Graphics Workflows — Premiere ProThe graphics ingrained in Premiere Pro that we first saw a few updates ago have received a huge makeover. Adobe has introduced a new feature called Responsive Design, which adapts to a multitude of changes you might go through in an edit. Even when you shorten a graphic in a ripple edit, the entrance and exit keyframes automatically adjust to fit the new time duration. You can also apply the Responsive Design to Position, so your graphic assets will adjust to extra characters while maintaining the original composition.Title selection in your preview frame is no longer going to be a giant hassle. The previous graphics grabbing tools were a bit laggy and hard to use, but Adobe has fixed those and included the ability to select multiple text layers in the preview window.A big new feature is the ability to edit the properties of After Effects graphics and templates inside of Premiere Pro without even installing After Effects. This is huge for editors comfortable with Premiere Pro but not that familiar with After Effects. They can now use and edit After Effects graphics and assets natively in Premiere Pro.VR CompatibilityAdobe has added new VR features that gives you the tools to create truly immersive video. You can now use a VR headset to view your timeline in real-time while still using the keyboard to add markers or make cuts. This new view mode helps you ensure that the your VR video works well in practical application.Animating with Data and Expressions — After EffectsYou can now take data from a .JSON file and import it into After Effects to use for infographics or motion capture visualizations. When you update your data in the .JSON file, the infographics will automatically adjust to the new information. This is great for creating infographics with constantly changing data, so when you have to make adjustments to corporate budgets or a number of users for an upcoming meeting quickly, a simple replacement of the number in the .JSON file will update the infographic.Auto-Ducking — AuditionThis is the one new feature that really puts Adobe’s adaptive AI, Sensei, to work. The A.I. will automatically adjust your background music track where there is dialogue or other sound elements. To the editors who have gone through the painstaking task of manually pinning and lowering the music track to adjust for dialogue: this new feature is a gift from the Adobe gods. What took about 30 minutes to a few hours to do now only takes the A.I. a few minutes.Pricing and AvailabilityUnfortunately, the monthly price for Creative Cloud has been increased: it is now $52.99 for individuals and $79.99 for teams. The small price increase may be a bummer, but with all the new time-saving features and abilities, it looks well worth the price. The updates are currently available for download from your Creative Cloud app.Looking for more information on the Creative Cloud? Check out these resources.Change the Language of Adobe Creative Cloud AppsHow to Read Lumetri Scopes in Adobe Premiere ProHow to Quickly Retouch Skin in Adobe After EffectsAdobe Takes the Lead in 360 Video and VR by Acquiring Mettle SkyBoxlast_img read more

Federer, Nadal gone at Australian Open

first_imgFirst Rafael Nadal, now Roger Federer. Federer, the 16-time Grand Slam winner, was knocked out of the Australian Open 7-6 (3), 7-5, 6-4 on Thursday by 2008 champion Novak Djokovic.Roger Federer waves after his semifinal loss to Novak Djokovic. APThe talk before the tournament was a blockbuster final between Nadal, going for his fourth straight Grand Slam win, and Federer, who was aiming for his fifth Australian title and perhaps the only player who could stop him.Instead, after Nadal was eliminated by fellow Spaniard David Ferrer in an injury-induced straight-set loss Wednesday, and now Federer heading home, it will be Djokovic in the final against either Andy Murray or Ferrer – they play their semifinal on Friday.It will be the first time since 2003 that Federer will not hold any of the four major titles.The finals scenario could open the door for Murray to become the first British Grand Slam singles champion since Fred Perry in 1936 when the final is played Sunday night at Rod Laver Arena.”It’s really one of the best matches I’ve played in a while,” Djokovic said.Rafael Nadal during his quarterfinal loss to David Ferrer. APIt is the second straight Grand Slam that Djokovic has knocked Federer out in the semis. At last year’s U.S. Open, the Serbian player saved match points before beating Federer in five sets to advance to the final against Nadal.The last time Federer was beaten in straight sets in a Grand Slam tournament was here in 2008 – against Djokovic.advertisementFederer won 11 of 14 points to come back from a service break down to take the lead in the second set after the two traded tit-for-tat booming forehands and chip backhands during the opening set. But Djokovic broke back later in the second set and took his power strokes into the third set to win in an even three hours.It was the 20th meeting of the pair, with Federer still holding a 13-7 edge.last_img read more

New cabinet ministers in the Manmohan team

first_imgThe recent Cabinet reshuffle, which the Prime Minister said was “hopefully, probably the last” before next Lok Sabha polls, was confined to Congress party barring the inclusion of Tariq Anwar of NCP as a Minister of State.22 ministers were administered the oath of office and secrecy by President Pranab Mukherjee at a ceremony at Rashtrapati Bhavan attended by Vice President Hamid Ansari, the Prime Minister, Congress President Sonia Gandhi, Rahul Gandhi, Cabinet Ministers and Leader of Opposition Sushma Swaraj.The new Cabinet ministers who took oath are: K. Rahman Khan (Minority Affairs), Dinsha J Patel (Mines), Ajay Maken (Housing & Urban Poverty Alleviation), MM Pallam Raju (Human Resource Development), Ashwani Kumar (Law & Justice), Harish Rawat (Water Resources) and Chandresh Kumari Katoch (Culture).Following is the complete list of Prime Minister Manmohan Singh’s council of minister after Sunday’s reshuffle.Cabinet Ministers:Manmohan Singh – Prime Minister (Personnel, Public Grievances and Pensions, Planning, Atomic Energy, Space)Pawan Kumar Bansal – RailwaysPalaniappan Chidambaram – FinanceSharadchandra Govindrao Pawar – Agriculture, Food Processing IndustriesA.K. Antony – DefenceSushilkumar Sambhajirao Shinde – Home AffairsSalman Khurshid – External AffairsSudini Jaipal Reddy – Science and Technology, Earth SciencesGhulam Nabi Azad – Health and Family WelfareFarooq Abdullah – New and Renewable EnergyM. Veerappa Moily – Petroleum and Natural GasVayalar Ravi – Overseas Indian AffairsAjit Singh – Civil AviationMallikarjun Kharge – Labour and EmploymentM. Mangapati Pallam Raju – Human Resource DevelopmentKapil Sibal – Communications and Information TechnologyAnand Sharma – Commerce and Industry, TextilesC.P. Joshi – Road Transport and HighwaysAjay Maken – Housing and Urban Poverty AlleviationChandresh Kumari Katoch – CultureG.K. Vasan – ShippingKamal Nath – Urban Development, Parliamentary AffairsHarish Rawat – Water ResourcesKumari Selja – Social Justice and EmpowermentM.K. Alagiri – Chemicals and FertilizersPraful Manoharbhai Patel – Heavy Industries and Public EnterprisesSriprakash Jaiswal – CoalAshwani Kumar – Law and JusticeK. Rahman Khan – Minority AffairsDinsha J. Patel – MinesRaj V. Kishore Chandra Deo – Tribal Affairs, Panchayati RajBeni Prasad Verma – SteelJairam Ramesh – Rural DevelopmentMinisters of State with Independent Charge:Krishna Tirath – Women and Child DevelopmentJitendra Singh – Youth Affairs and Sports (also minister of state for defence)Kuruppassery Varkey Thomas – Consumer Affairs, Food and Public DistributionSrikant Kumar Jena – Statistics and Programme ImplementationJayanthi Natarajan – Environment and ForestsManish Tewari – Information and BroadcastingPaban Singh Ghatowar – Development of North Eastern RegionK. Chiranjeevi – TourismBharatsingh Madhavsinh Solanki – Drinking Water and SanitationJyotiraditya Madhavrao Scindia – PowerK.H. Muniyappa – Micro, Small and Medium EnterprisesSachin Pilot – Corporate AffairsMinisters of State:E. Ahamed – External AffairsJitin Prasada – Human Resource DevelopmentShashi Tharoor – Human Resource DevelopmentRamachandran Mullappally – Home AffairsV. Narayanaswamy – Personnel, Public Grievances and Pensions, Prime Minister OfficeDaggubati Purandeswari – Commerce and IndustryAdhir Ranjan Chowdhury – RailwaysKotla Jaya Surya Prakash Reddy – RailwaysLakshmi Panabaka – TextilesNamo Narain Meena – FinanceS.S. Palanimanickam – FinanceSathyanarayana Sarvey – Road Transport and HighwaysPreneet Kaur – External AffairsCharan Das Mahant – Agriculture, Food Processing IndustriesTariq Anwar – Agriculture, Food Processing IndustriesRanee Narah – Tribal AffairsPorika Balram Naik – Social Justice and EmpowermentAbu Hasem Khan Choudhury – Health and Family WelfareTushar Amarsinh Chaudhary – Road Transport and HighwaysMilind Murli Deora – Communications and Information TechnologyKruparani Killi – Communications and Information TechnologyPratik Prakashbapu Patil – CoalRatanjit Pratap Narain Singh – Petroleum and Natural Gas, Home AffairsVincent H. Pala – Water ResourcesNinong Ering – Minority AffairsPradeep Kumar Jain Aditya – Rural Development, PlanningRajeev Shukla – Parliamentary AffairsSrikant Kumar Jena – Chemicals and FertilizersDeepa Dasmunsi – Urban DevelopmentSuresh Kodikunnil – Labour and EmploymentS. Jagathrakshakan – New and Renewable EnergyK.C. Venugopal – Civil AviationPaban Singh Ghatowar – Parliamentary AffairsLalchand Kataria – DefenceWith IANS inputsadvertisementlast_img read more

Joshua Pacio embraces pressure of being first Team Lakay to defend ONE title in 2019

first_imgPrivate companies step in to help SEA Games hosting Pacio is just one of four current titleholders out of Baguio City’s Team Lakay.“I’m excited but at the same time there’s a bit of pressure because I’m the first one on my team who will be defending his title,” Pacio told Filipino scribes on the eve of his bout.FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSUrgent reply from Philippine ‍football chiefSPORTSWin or don’t eat: the Philippines’ poverty-driven, world-beating pool stars SEA Games: Biñan football stadium stands out in preparedness, completion Don’t miss out on the latest news and information. TS Kammuri to enter PAR possibly a day after SEA Games opening LATEST STORIES PH underwater hockey team aims to make waves in SEA Games PLAY LIST 02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krauss Is Luis Manzano planning to propose to Jessy Mendiola? LOOK: Joyce Pring goes public with engagement to Juancho Triviño LOOK: Joyce Pring goes public with engagement to Juancho Triviñocenter_img SEA Games: Biñan football stadium stands out in preparedness, completion View comments JAKARTA, Indonesia—Filipino Joshua Pacio would be lying if he said he’s not feeling pressure as he defends his strawweight title against Yosuke Saruta in the main event of ONE: Eternal Glory on Saturday.ADVERTISEMENT “This will be the best birthday gift for me. It happened to kuya Eduard last November where he got himself the belt so it would be nice if I get to defend my title.”Sports Related Videospowered by AdSparcRead Next Pacio doesn’t see the pressure as a burden but rather as a constant reminder to be at his best not only for himself but for his entire squad.“The pressure is not stressful at all. The pressure is more on the positive side that I just need to win for my team,” he said. “And whether I’m the first or not, my goal is the same which is to win.”Pacio just turned 23 on January 10 and he hopes to give himself the best birthday gift on Sunday the way his teammate Eduard Folayang won his title fight against Amir Khan last November which was a day after his birthday.ADVERTISEMENT SEA Games hosting troubles anger Duterte UFC obliging troubled Greg Hardy’s desire for 2nd chance MOST READlast_img read more

24 days agoLiverpool boss Klopp prepared to be dumped from Carabao Cup

first_imgAbout the authorPaul VegasShare the loveHave your say Liverpool boss Klopp prepared to be dumped from Carabao Cupby Paul Vegas24 days agoSend to a friendShare the loveLiverpool are still waiting to learn of their Carabao Cup status.The Daily Mail says Liverpool have yet to receive any indication from the EFL when they will discover their fate after fielding an ineligible player in the Carabao Cup win over MK Dons. The strongest sanction is expulsion from the competition – manager Jurgen Klopp says Liverpool must accept whatever punishment is given.”If it was our fault,” said Klopp, “we need to get punished.” last_img read more

Bryan Cranston Wraps Up Day Two Of His FirstEver USO Tour

first_imgNew York Times best-selling author and award-winning actor, screenwriter, director and producer Bryan Cranston visited with more than 1,300 service members and officially wrapped up day two of his first-ever USO tour.Bryan Cranston During USO Tour of Germany and UKCredit/Copyright: Fred GreavesCranston is spending a week visiting with servicemen and women, exploring military work sites and bringing his New York Times best-selling memoir “A Life in Parts” to life. Having already rounded out a USO visit to U.S. Army Garrison Ansbach (July 24) and Ramstein Air Base (July 25), Cranston is now making his way to three more military bases this week, to include U.S. Army Garrison Wiesbaden (July 26); Royal Air Force Alconbury (July 27); as well as Royal Air Force Mildenhall and Royal Air Force Lakenheath (July 29).• As part of his USO activities on the ground, Cranston has greeted military medical staff, toured a flight line, visited a working dog unit, participated in a military theater group discussion and ventured inside multiple military aircraft. • Cranston capped off the day with his first of four “An Evening with Bryan Cranston” USO shows. Centered around his memoir, “A Life in Parts,” Cranston is sharing insights on what led him to acting and his various roles, as well as participating in a rousing Q&A with troops. • Not a stranger to America’s armed forces, Cranston, himself, has ties to military service. His father was a pilot in the U.S. Navy and his mother was in the U.S. Coast Guard, with both parents having served in World War II. • Best known for his portrayal of ‘Walter White’ in the AMC drama “Breaking Bad” and ‘Hal’ on the popular Fox comedy series “Malcolm in the Middle,” Cranston has built a reputation as a talented actor in both drama and comedy on both the big and small screens. He is a four-time Emmy Award winner, Golden Globe Award winner, Tony Award winner and Academy Award nominee. Cranston went on to write a memoir, “A Life in Parts,” which quickly became a New York Times best seller. • Among some of his feature film credits are “All The Way,” “Trumbo,” “Wakefield,” Why Him?,” “The Infiltrator,” “Godzilla,” “Argo,” “Drive,” “Contagion,” “The Lincoln Lawyer,” “Little Miss Sunshine,” “Saving Private Ryan,” “Larry Crown” and “That Thing You Do!,” among others. He has also lent his voice to DreamWorks Animation films “Kung Fu Panda 3” and “Madagascar 3: Europe’s Most Wanted.” Cranston will next star in “Last Flag Flying” and “Untouchable.”last_img read more

NBCS ZOEYS EXTRAORDINARY PLAYLIST WITH JANE LEVY TO FILM IN VANCOUVER THIS

first_imgJane Levy and Peter Gallagher sang for advertisers at the NBC Upfront in May.And Mary Steenburgen’s husband Ted Danson joked at the Upfront. that by the end of the evening he’d “sleep with one of the actresses on the series.”Cast: Jane Levy, Skylar Astin, Peter Gallagher, Alex Newell, John Clarence Stewart, Carmen Cusack, Mary Steenburgen. She can hear the soundtrack of your life.NBC’s new musical series Zoey’s Extraordinary Playlist is filming in Vancouver this Fall.Filming dates: September 3rd to January 30th, 2020. Login/Register With: Facebook LEAVE A REPLY Cancel replyLog in to leave a comment Zoey’s Extraordinary Playlistcenter_img Advertisement Advertisement Advertisement Twitterlast_img read more