Financial wellness strategies crucial for credit union growth

first_img continue reading » 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Financial institution marketing has long focused on the milestones of life — first big job, marriage, homebuying, retirement. But that legacy focus may soon be eclipsed by the concept of financial wellness. Major life events clearly are still important, but are becoming just one part of a much larger priority.“Financial well-being is not exclusive to those ‘financial moments’ when consumers make purposeful decisions on their finances,” writes Jan Bellens, Global Banking and Capital Markets Deputy Sector Leader for EY. “It is driven largely by everyday behavior and decisions — some big and binary (such as deciding to get a college degree), some small and gradual (such as going to the gym).”Traditional financial institutions have not typically played a big role in these everyday financial decisions beyond handling transactions and providing loans — and in some cases providing transaction-related notifications. Money management tools mainly center around the monthly financial statement and call-center help. All important services, but pretty unexciting, Bellens observes.last_img read more

Veteran receiver is finally getting his chance to shine

first_imgUSC’s receiving core is looking a little different than it did last season.In fact, at times, it’s unrecognizable.Other than sophomore receiver Marqise Lee, who was a star last season and has carried that success over to the spring, there have been some lesser known players who have stepped into the enormous shoes that junior receiver Robert Woods left when he announced he was out for the duration of spring practice.Photo by Chris PhamOne of the players making a name for himself is junior De’Von Flournoy.Last season, Flournoy caught a total of zero passes. He has no catches in his Trojan tenure. But looking at him this spring, you sure wouldn’t think he was inexperienced.Flournoy has made the routine catches but has made the difficult ones as well. And he is enjoying every second of it.“It’s been wonderful,” Flournoy said. “I’ve been put in a position I’ve never been at before.”Flournoy came to USC as a four-star recruit out of Birmingham High School. He had offers from some of the college football heavyweights, including Notre Dame and Oregon. Injuries, however, have hampered his career.He has gotten lost in the receiving mix with Woods, Lee and former top recruit receiver George Farmer, all from Serra High School in Gardena, Calif., headlining the squad.But injuries caught up with Farmer and Woods this spring, and Flournoy has been working with the first-string offense in their place.Flournoy has had to change his outlook now that he is a focal point of the offense.“It’s definitely a mindset,” Flournoy said. “I have to prepare myself the day before for all kinds of positions. I have to be ready for anything.”He also said that in working with the first team, he has paid greater attention to detail and is taking things more seriously.“I’m getting [more of a] feel for football,” Flournoy said. “[I’m] getting more comfortable being out on the field and just bettering myself as a football player.”With more exposure and more chances to succeed, Flournoy has also gained a great deal of confidence.But it is not just playing with the first team that is giving the junior confidence; it is his knack for the spectacular play and knowing that coaches are watching.“I’m getting confidence by being out here, but I’m getting confidence by making big plays because I know it’s on film,” he said. “Like [associate head] coach [John] Baxter always says, ‘Every day, the coaches are going upstairs and watching a silent movie about you.’”While his playing time has changed, so has his regular quarterback. Though he and freshman quarterback Max Wittek have the most catches between them this spring, Flournoy has had to adjust to catching passes from senior quarterback Matt Barkley.“Every quarterback throws the ball differently,” Flournoy said. “Getting reps with Barkley out here [in practice] and outside of school is a good thing, because we’re working on timing … and that’s where you want to be. You want to be with the first team.”When it comes down to it, however, Flournoy said that though his quarterback is different now, his job will always be the same: to catch the football when it comes his way, no matter who throws it.“It’s just being out there and in a different position and just being able to catch the ball from the quarterback … if he trusts you enough to throw you the ball,” Flournoy said.The offense has been somewhat of a work in progress this spring, with players normally atop the depth chart out with injuries. Flournoy, however, has not made any excuses; he is playing with the first team.“We’ve installed a lot of plays so, as an offense, we have a lot that we’re handling mentally,” Flournoy said. “We just have to go out there and just execute it.”Flournoy will likely take a back seat when Woods and Farmer return; however, he said he is making the most of his opportunities and is soaking in everything he has learned this spring, at every position he can.“I’m not going in with the mindset I’m playing one position,” Flournoy said. “I’m in the mindset of being thrown everything.”last_img read more


first_imgJimmy Guichard died after taking a legal high in 2013.A Donegal mother who tragically lost her son after he took a ‘legal high’ is to appear on the hit ITV programme The Jeremy Kyle show to raise more awareness on the issue. Karen Vandersypen, from Foxhills in Letterkenny, tragically lost her son Jimmy Guichard in October 2013 after he took an unknown substance.Jimmy died after he suffered a massive heart attack and also suffered brain damage as a result of taking the ‘legal high’. Karen has campaigned tirelessly for new legislation called Jimmy’s Law’ in the UK to be passed which bans all ‘legal highs’ across Britain.Jimmy was a talented GAA player and played hurling for St Eunan’s before he moved to London.Karen done a documentary programme with Jeremy Kyle for the Kyle-Files which is a spin-off show from his morning segment.However, after filming the documentary for the Kyle-Files executive producers felt it would be better if Karen appeared on the TV show  in order for her to hammer her home her views. Karen admitted to Donegal Daily that she had reservations about appearing on The Jeremy Kyle show.Karen said, “I did a documentary film for the Kyle-Files about Jimmy’s death and the importance of passing his legislation.“I was then contacted by one of the executive producers who said they weren’t going to use my film for the Kyle-Files and felt it would be better if I went on the TV show and told my story on that platform.“I did have reservations about it, it’s not a show I would watch regularly, but I had seen it before and I used to think why the hell would you go on that TV show!“So I was a bit nervous about doing it, but Jeremy had been so nice during the filming of the Kyle-Files that I said to the executive producers I would do it.” Karen said the show was a daunting experience, but it was very worthwhile and was delighted with how it turned out although it didn’t get off to a good start.Karen said, “The show was about a 24-year-old who was addicted to Pandora’s Box, which is a synthetic cannabis and is a recognized legal high.“Jeremy had his wife on first and she was giving him an ultimatum saying he either quit his habit or she was leaving him and taking their three children with him.“She said he was a good dad, but admitted he was ‘high’ when he took the children to school every morning because he had to have some Pandora’s Box before he left the house. “At that point Jeremy starting saying, ‘How could he be a good dad if he’s high taking them to school?“I was sitting watching this backstage and then the father ran on to the stage and start berating Jeremy with insults and then stormed off.“I was watching this unfold thinking what the hell have I let myself in for here?Karen said they calmed the father down backstage and managed to get him back on stage for the remainder of the show.Jeremy told the young man that he had to listen to Karen’s story, he agreed.“I then went on and told Jimmy’s story, I got very emotional and broke down several times as I told the story.“I’m hoping they edit out all the blubbering I did, I was so mad at myself afterwards that I couldn’t control my emotion.“Once I told Jimmy’s story, I went through the young lad for a shortcut, I basically told him he’ll end up like Jimmy if he doesn’t sort his life out.“He’s got a beautiful supportive wife and three gorgeous kids, he’s going to lose them and his life if he doesn’t sort himself out.“I explained to him that my granddaughter still can’t understand why her Uncle Jimmy went to heaven.“She was six and-a-half when Jimmy passed away and is eight now and she still doesn’t understand.“I said to him, do you want your missus to have to try and explain to your children why you’re not with them anymore.”Karen added that the problem with his addiction is it’s not a physical one.“Taking heroin is a physical addiction, taken a legal high is a psychological one so it’s difficult to detox.“The other problem is there’s no resources to help him so it’s going to be difficult, his GP can’t refer him anywhere because there’s no facilities that treat that type of addiction.Karen said she was frightened and shocked by the effect the drugs had on the 24-year-old saying he looked older than her and she’s 44.They also done tests on the show and found out he had the lung capacity of a 70-year-old.“Not only do we need to get ‘Jimmy’s Law’ passed we need to ensure the proper rehab facilities and in place to help those addicted to those legal highs.“If we don’t have the proper support systems in place then they’ll get addicted to something else.Karen appeared on the show on Friday morning and flew back home that evening and is now back at her address in Letterkenny.She said the show will air in the next 6-8 weeks.Karen has been keeping in touch with the couple she met on the show and has been speaking to them via Facebook offering them support and advice.DONEGAL MOTHER WHO TRAGICALLY LOST HER SON TO APPEAR ON THE JEREMY KYLE SHOW was last modified: January 29th, 2015 by Mark ForkerShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:deathdonegalJeremy Kyle ShowJimmy GouchairdLEGAL HIGHSLETETRKENNYlast_img read more

Kisala to rebuild new Express squad at no cost

first_imgSome of the Express’s players from last season before a league game (File Photo)When did Express FC last sign a player at fee? Jogo your memory and tell me one.Whisper it, the red eagles have in the recent past garnered a reputation of feasting on rejects, misfits and deadwood from other clubs in the name of “new recruits” – a stark contrast to their halcyon days.A whilst they have an uncanny eye for a bargain too. And while newly appointed coach Kefa Kisala is beaming with optimism as he bids to reinstate normalcy at the sleeping giants, the club’s desolate transfer inactivity remains their prime Achilles heel, thanks to their well-documented financial woes.It is the reason as to why Kisala’s pre-season training kick-started with open trials with players who make the grade and impress likely to be retained.Kisala is restrained in the knowledge that as far as squad rebuilding goes, he is beginning from a clean slate.Surviving relegation had a knock-on effect on the squad with many protagonists expected to leave Wankulukuku. But Kisala said spending on player recruitment wasn’t a worry as he embarks on building a competitive squad, insisting that unearthing and developing talented players can compensate with spending excess fees on player recruitment.When asked if he expects any financial backing from his bosses on player transfers, Kisala, with the seriousness of an erection, replied ‘No’.“We don’t need to spend money on new players because they are many who want to join us with an ambition to play football not to get money from the club, Kisala talked glowingly of the selected players from the week long trails.“I am very impressed with the numbers that showed up and I am also happy with the quality they have exhibited.“Uganda is blessed with so much talent but our only problem is how talent is developed, brought up and put into use.“I have seen boys who have basics and I will only have to examine them more with some competitive friendlies.The former BUL FC coach has a tough job on his hand to ensure that the club doesn’t descend to the depths of despair they experienced last season, a feat that tainted the club’s illustrious legacy.“I believe we can finish in top 6 in my first campaign because this is a big club with a big history that should not be battling relegation.“We hope to achieve that and later look at bigger targets.Express narrowly escaped relegation last season, retaining their UPL status on the last day of the season thanks to a 1-0 win over Masavu FC in Bugonga.Comments Tags: Express FCkefa kisalalast_img read more