Three ways to cut waste from your marketing budget

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Three ways to cut waste from your marketing budget

first_imgOne of my favorite things to do when I attend a conference is to spend some time talking with credit union marketers. I love to hear what’s going well, but I also enjoy helping them troubleshoot the problems that are keeping them from success. In talking with those credit unions that have a marketing department of one (sometimes it’s just the CEO!), I’ve discovered that they all encounter a few common obstacles on a regular basis. As we head into the time of year when marketing plans are traditionally drafted and approved, here are three tips to help you avoid those same hurdles:Don’t schedule a meeting with every skilled ad rep that sends you an email or walks into your branch. They know exactly which buttons to push to get that meeting—and eventually your signature. Before you agree to meet with them, ask them some specific questions to determine whether they’re offering a product or service that lines up with your goals or simply trying to sell you the marketing package-of-the-week.Don’t become a “Cocaine Advertiser.” Cocaine advertising is the phrase I use to describe the desperate tactics you might be tempted to employ when loans are down or membership growth isn’t as robust as you’d like. You settle for the quick high that comes from doing lines of whatever marketing gimmick is being pushed at the moment. The rush of activity might make you feel like you’re accomplishing something, but in the end, all you get is a temporary fix. Instead of taking this short-sighted approach, look in the mirror and identify the internal issues might be keeping your credit union from success. Then, adjust your marketing accordingly.Craft the right message by speaking to your ideal member. What struggles are they having? What media are they consuming? What truly matters to them? Capture their interest by talking about them, not you. The headline is the primary source of your success. Rather than pushing your credit union’s name, use this simple, powerful marketing tool to communicate how you can make your ideal member’s life better. Remember, people only care about who you are AFTER they discover what you can do for them. 8SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Bo McDonald Bo McDonald is president of Your Marketing Co. A marketing firm that started serving credit unions nearly a decade ago, offering a wide range of services including web design, branding, … Web: yourmarketing.co Details There’s a fourth tip, but it only matters if you’ve followed the first three. The tip? Be consistently patient. You can earn people’s trust, but they tend to grant it slowly and carefully. Marketing is not a silver bullet or lipstick to dress up a pig. It takes consistent effort to learn where you can reach your ideal member and persistent focus to figure out how to meet them there on a regular basis. last_img read more

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Tax Administration: In the activity of providing accommodation and food preparation and serving, reduction of the amount of the invoice by 47%

first_imgAlso, comparing the period from 17.08. to 23.08.2020/2019/22 Compared to the same period in 19, there is a decrease in the number of invoices of 18% and a decrease in the amount of invoices of 9%, in the activity G – Wholesale and retail trade, repair of motor vehicles and motorcycles there is a decrease in the number of invoices of 29% and a decrease account of 35%. In activity I – provision of accommodation and food preparation and serving, a decrease in the number of invoices of XNUMX% and the amount of invoices of XNUMX% is visible. Source: Tax Administration In the activity G-Wholesale and retail trade, repair of motor vehicles and motorcycles, the number of invoices decreased by 22% and the amount of invoices decreased by 10%. In activity I – provision of accommodation and food preparation and serving, a decrease in the number of invoices of 42% and the amount of invoices of 47% is visible.center_img For all activities in the period from 24.02.-23.08.2020. in relation to the period from 23.02.- 23.08.2019. it’s visible 27% account reduction i 18% invoice reduction, say data from the Tax Administration. last_img read more

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Liverpool ‘can beat anyone’, says Mane

first_imgLondon, United Kingdom | AFP | Sadio Mane says Liverpool “can beat any team in the world” as Jurgen Klopp’s men chase the Premier League runners-up spot and eye the Champions League quarter-finals.Liverpool are third in the table, two points behind Manchester United after just one defeat in their past 19 Premier League matches and are virtually guaranteed progress in Europe after a 5-0 first-leg win over Porto in the last 16.Klopp’s side have scored 103 goals in all competitions this season with their forward line of Mane, 31-goal Mohamed Salah and Roberto Firmino tearing opposition defences apart.“I can sense that the club is moving in the right direction,” Mane told Liverpool’s official matchday programme.“There were a couple of difficult years at Liverpool a while back but those things happen to every single club in the world.“At the moment we are in a good way so everything is possible. I think we have improved a lot in the past few months. We know that on our day we can beat any team in the world.” The Senegal forward said the team spirit at Anfield was good and confidence among the players was sky-high.“Every single player is always very happy playing with each other,” he said. “We always try to help each other and we work as a team.“I think that is the team’s power and the team’s purpose. Every single player would love to play in this team.”The forward believes the arrival of club-record signing Virgil van Dijk, who became the world’s most expensive defender last month at £75 million ($104 million) has already made a difference.“He’s a great player and I know him very well because he was my teammate when I was at Southampton too,” Mane said.“He is a very good addition for us and we are very happy to have him in the team.”Share on: WhatsApplast_img read more

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Kannibelles no match for Terminal City girls as Vancouver squad captures Western Canadian title

first_imgPlaying against the top teams — the Vancouver side has played 16 games against American teams — has allowed Terminal City to learn the inner workings of the game.“(Terminal City) have five more years of experience in the sport so to be able to come up against them in the second Western Canadian Regional Championships, we’re really happy,” said Beretta Lynch of the Kannibelles, who just happen to be named tournament Most Valuable Player.“We’re super fit and very strong, but it’s just a matter of (Terminal City) having that much more practice,” Lynch added.Kootenay defeated Okanagan/Shuswap Raggedy Rollers Friday before outlasting Red Deer Belladonnas Saturday in semi final action.The tournament is only the second time, and first as Westerns, the tournament has been held.The success of the Kannibelles made it obvious which association would host the 2012 Championships.Last year in Kelowna Terminal City did not attend.E-Ville of Edmonton defeated Red Deer Belladonnas to capture third place.Luludemon was named Team MVP for the Terminal City while Scarlet Bloodbath AK47 earned top marks for the Kannibelles.However, maybe the surprise announcement of the tournament was Lynch earning top individual marks.“As captain I push my teammates very hard and to get tournament MVP I take this award as a team award and a representative of our team and the girls on our team deserved it,” Lynch said.The Westerns concludes much of the all-star season for the Kannibelles.The Kannibelles next action is July 21 in Castlegar against the Spokannibals of Spokane. First jam is 6 p.m.Before that match the Kannibelles players have some league commitments to fulfill and now head back to their respective clubs in the seven-team league — Gnarlies Angels of Rossland, Kill Joys and Lumber Jackies of Nelson, Salmo’s Babes of Brutality, the Valley Vendettas of the Slocan Valley, Castlegar’s Dam City Rollers and the Bad News Betties of Trail.For more information about the West Kootenay Women’s Flat Track Roller Derby League check out the website at http://www.kootenayrollerderby.com/ In the end heart and desire was no match for experience.The Terminal City Roller Girls scored early and often en route to a convincing 159-75 victory over the Kootenay Kannibelles in the final of the Klash In The Kootenays Western Canadian Women’s Roller Derby Championships Sunday at the NDCC Arena in Nelson.Despite losing in the final, the Kannibelles had a soft landing as both teams advance to the Canadian Championships in January 2012 at the site yet to be determined.“I was really hoping this would be the final because we knew the Kootenays have worked so hard . . . and have exponentially taken their game to another level,” said Terminal City skipper Ian McKenzie, AKA Coach McEnroe.“Physically and the stamina they have is far and above all the other teams here at the tournament.”“So we were really happy to play them in the final and really happy with the result,” McKenzie added.From the start of the tournament Friday Terminal City, seeded at the top of the eight-team pool, toyed with the opposition.The Vancouver-based squad first got past Deathbridge of Lethbridge on opening day before advancing to the final with a lopsided decision over E-Ville of Edmonton Saturday.And Sunday Terminal City kept on steamrolling the opposition, this time the Kannibelles, an all-star team from the West Kootenay Women’s Roller Derby League.Working the transition from offence to defense in what seemed like a blink of an eye to the Kannibelles, Terminal City took the lead minutes into the game and never looked back.“In Vancouver we’re part of the WFTA, which is the American affiliation for all of flat track (roller) derby . . . and you have to be a member to be ranked,” McKenzie explained.“We’re ranked 16th in the West Division (of the WFTA) but being ranked means we get to play American teams which are using all different types of strategies.”last_img read more

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Orissa: Maoists free kidnapped Malkagiri collector

first_imgJunior engineer Pabitra Majhi after his release The hostage crisis in Orissa ended on Thursday evening with the Maoists freeing Malkangiri collector R.V. Krishna, one of the mediators, Dandapani Mohanty, has said. Krishna, who had been abducted on February 16 along with junior engineer Pabitra Majhi, was released after nine days of captivity. Majhi, 22, was freed on Wednesday.Chitrakonda Tahsildar D. Gopalakrishna said Krishna was released by Maoists on Thursday evening and was on his way to his home in Malkangiri, which is about 90 km from the spot where the official was freed.The 30-year-old IIT graduate-turned IAS officer was released before a “people’s court” by his abductors in a forested area in Jantapai close to the area where he was abducted along with Majhi, eyewitnesses said.TV footage showed Krishna in a check shirt and a blue pant sitting on a boulder with folded hands appearing to be in good health listening as an unidentified man spoke about the problems faced by villagers. Malkangiri is about 650 km from the state capital. Krishna, who sported an occasional smile, was also seen eating out with his hand from a plate. Inspector in-charge of Chitrakonda Rajesh Chhatria said Krishna was released at Jantapai area.Meanwhile, social activist Swami Agnivesh, whose participation in the process was sought by the Maoists, said the collector had been handed over to the media before 6 PM. Meanwhile, Krishna’s father Rambabu said, “We have seen Krishna’s visuals.”Though Majhi was set free on Wednesday, the abductors had put forward new demands for the release of the 2005 batch IAS officer. They had demanded immediate release of five senior Maoist leaders apart from Ganti Prasadam, who has been granted bail by Orissa High Court.advertisementPrasadam was taken to Koraput on Thursday morning for his release on bail by the sub-divisional judicial magistrate there, but the process is likely to take more time.last_img read more

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Enjoy your honeymoon in Mauritius

first_imgA view of the Pereybere beach, the smallest and one of the best in the islandRediscovered in the 16th century (though Arab and Malay sailors are known to have visited the island as early as the 10th century) by the Portuguese, Mauritius was uninhabited until 1598 when first the Dutch,,A view of the Pereybere beach, the smallest and one of the best in the islandRediscovered in the 16th century (though Arab and Malay sailors are known to have visited the island as early as the 10th century) by the Portuguese, Mauritius was uninhabited until 1598 when first the Dutch, then French and finally the British colonised the tiny island before it became independent in 1968.Even though the British rule lasted a relatively longer period, the French roots are more evident in the Mauritian lifestyle and people still prefer to speak Creole and French over the official English language.Right from the time when you set foot at the SSR International Airport at Plaisance, chances are that if you say you are from India, the locals, who proudly refer to the island as ‘Little India’-a moniker attributed to former Prime Minister Indira Gandhi, will give you a warmer welcome. Not surprising since over 68 per cent of Mauritians are of Indian origin whose forefathers migrated to Mauritius as indentured labourers during the British rule.Though India is seventh among top 10 nations in the Mauritius tourism pie, it contributes only a fraction to the market dominated by Europe till now. However, the Mauritian Tourism minister Nando Bodha plans to change that. He recently announced plans to attract over 100,000 Indian tourists within the next five years, more than doubling the number from the existing 49,779 (as per February 25, 2011 data). Says the minister, “Being initially frequented by honeymooners only, today we have different segment of travellers from India visiting the island.””Both Mauritius and India have a long standing historical and cultural connect. It offers the Indian travellers a perfect feel of home away from home while taking an international vacation with family, friends or spouse,” adds Bodha.Deputy director of the Mauritius Tourism Promotion Authority (MTPA) Vijaye Haulder agrees. “We speak Hindi, our culture and food habits are similar, what’s not to like,” he says.Mauritian Sega dancers on the beachThis ‘rainbow’ nation offers a blend of cultures, Indian, African, Chinese, French and British. And there’s plenty to do, from various sporting activities to visiting leisure parks, undersea walks, submarine rides to watching hundreds of dolphins accompanying your catamaran, lazing on beaches or long drives on the ‘tea route’ lined by tea estates are just a few of the excellent options. For a sublime experience visit the Belle Mare beach before the first light to view the perfect sunrise and head to Flic en Flac at dusk for the most surreal sunset you are likely to see, ever. At Vieux Grand Port, the oldest settlement in southeast Mauritius, you can see the ruins of the first Dutch fortifications. Or visit a former sugar factory at Beau Plan’s Aventure du Sucre. The museum here tells the story of sugar, the original economy booster once upon a time, and along the way covers the history of Mauritius.Have you heard of the Talipot Palm which flowers once in 60 years and withers thereafter? If you are lucky you might just see one in full bloom at the SSR Botanical Garden in Pamplemousses which also houses 500 different species of plants. With rising spending power, the Indian tourist, who tends to spend over Rs 16,000 per person per day, is increasingly being wooed by the island which relies on tourism as one of its prime sources of income. “Mauritius is an extremely popular mid-haul destination especially among the honeymoon travellers,” agrees Amal Rakeshi, Thomas Cook’s associate vice president Leisure Travel Outbound.”In the past few years it has caught up with families also. Honeymooners and families looking for a relaxing holiday with a focus on water sports look at Mauritius as an ideal destination,” adds Rakeshi. Arrivals from India, the nation’s top source for Asian tourists, went up by 26.8 per cent in 2010 to 49,779 (39,252 in 2009).In response, the authorities in the island nation are looking at new ways to woo the Indian tourist too. “We organise international golf tournaments and aim to introduce polo to attract the top segment of travellers,” says MTPA’s Haulder.Exploring the undersea world is a popular choice among touristsBodha’s ministry is also promoting the island as a wedding destination for Indians on the lookout for innovative options for this most memorable day. In the last six months MTPA has helped in organising over five big Indian weddings. “You have to give us at least a three month prior notice, we’ll take care of the rest for you,” says Haulder adding that they had to turn down half a dozen requests due to lack of time recently. The MTPA has instituted a special committee to push the wedding tourism strategy.Travelling to the island can be comparatively expensive though. It has four direct entry points from India-Delhi, Mumbai, Chennai and Bangalore, though only the Mauritian national carrier flies on this route.Rakeshi attributes the sustained interest to special deals at popular resorts which more than make up for the airfare. “Direct flights, no crime and discrimination, people of Indian origin works with travellers. It’s a mix of activities and sightseeing to families who are looking for more than relaxation. It’s the safe, easy to get around, more exotic than the Far East destination image that sells,” he says.”Good resorts with private access to nice pristine beaches, lack of Thailand-like nightlife makes it more exotic than the other beach destinations closer home,” adds Rakeshi.Whether you are the gung-ho activity seeker or looking for a romantic interlude, Mauritius offers more than you can expect to pack in on your average three- to seven-day trip. So pack your swimsuits and head for this exotic island just about seven hours by flight from India. The writer is a journalist based in Mauritius.advertisementadvertisementlast_img read more

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BCCI may lose 2000 cr on Kochi termination: Modi

first_imgFormer IPL commissioner Lalit Modi has again fired a salvo at BCCI bigwigs Sashank Manohar and current president N. Srinivasan for the “mess” created due to termination of IPL franchise Kochi Tuskers Kerala.The BCCI on Monday decided to terminate the IPL contract of Kochi franchise due to non-payment of bank guarantee.”Kochi now being terminated – a further loss of 1500 crores to BCCI. Compounded by reduction in Media Rights. My estimate 2000 crores. Who is responsible for this mess now? Current President and outgoing President for sure. Who will they blame now for this. Where is the accountability and who will take responsibility,” Modi wrote on his twitter page.Terming himself as a self-proclaimed whistle blower about the shady dealing related to Kochi, Modi wrote in his blog: “Now, 18 months later, the BCCI has terminated the Kochi contract on the basis of an unpaid bank guarantee which, according to new President, N. Srinivasan, “….is not capable of being remedied.””As a consequence, the BCCI now stands to lose more than US 300 million by virtue of reduced commercial revenue because Kochi’s suspension means fewer teams and therefore games – not to mention a loss of credibility for the IPL itself,” he saaid.Modi stated that he now wants to know as to who will own the responsibility for this mess.”It is a situation that could have been avoided but what it shows is that the unsubstantiated accusations made against me suggesting I imposed ‘onerous’ conditions purely to try and manipulate the bidding process towards my preferred bidders has been shot to pieces.”advertisementlast_img read more

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Southgate rallies England ahead of Nations League decider

first_imgEngland manager Gareth Southgate has told his team not to worry about permutations of the Nations League ahead of Sunday’s decider with Croatia.Both sides played out a goalless draw last month in the reverse fixture behind closed doors in Rijeka, but Croatia’s last-gasp win against Spain on Thursday means all three teams could still be promoted from Group 4 of League A going into the final match.A win for England or Croatia would guarantee promotion and a place in the finals of the new competition, while defeat or a draw could relegate both teams depending on the score. Article continues below Editors’ Picks Man Utd ready to spend big on Sancho and Haaland in January Who is Marcus Thuram? Lilian’s son who is top of the Bundesliga with Borussia Monchengladbach Brazil, beware! Messi and Argentina out for revenge after Copa controversy Best player in MLS? Zlatan wasn’t even the best player in LA! The Three Lions suffered a heartbreaking extra-time defeat to Croatia in the semi-finals of the World Cup and Southgate says he will not leave anything to chance at Wembley.”It’s dead simple, really, we just go for it,” he told reporters.”There’s no point in hedging our bets that we might do this, we might do that or we need a 0-0.”We have a chance to get through a really strong group, so for me we just focus on going for the win.”Southgate is pleased with the way his young side has progressed and believes the standard of the post-World Cup fixtures have aided their development.”We want to achieve consistent performances and continue to improve and learn as a team and these Nations League games have given us a really good test,” he said.”It is unprecedented that you come off the back of a major tournament and have so many strong tests in such a short period.”It’s been really good for us as a way of learning and improving with and without the ball and gaining some belief. We are pleased with progress and we want to finish well.”last_img read more

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2 days agoBurnley manager Dyche delighted with squad competition

first_imgAbout the authorPaul VegasShare the loveHave your say Burnley manager Dyche delighted with squad competitionby Paul Vegas2 days agoSend to a friendShare the loveBurnley manager Sean Dyche is delighted with the competition within his squad.The Clarets currently have intense battles in a variety of positions, including left-back, striker and central midfield.”There is real competition,” said Dyche.”We have lost very important players but it shows we have other players who are just as important.”I thought Jeff (Hendrick) did well in midfield alongside Westy which is not easy when you play two v three. There was a tactical understanding there of when to press and when not to.”Robbie came in and he is getting back to true fitness and match sharpness that it takes which is why he came off and Jay got a start as well.”I like that competitive element to the squad.” last_img read more

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Diana Shipping Secures Higher Rate for Panamax

first_imgzoom Greek dry bulk shipping company Diana Shipping has secured a charter contract for one of its Panamaxes at a higher charter rate.Under the agreement with Seoul-based Unico Logistics, Diana Shipping’s dry bulker m/v Maera was hired at a gross charter rate of USD 11,900 per day for a period of nine to eleven months.The 75,403 dwt ship’s charter is expected to commence on September 19, 2017.Diana Shipping informed that it expects to generate some USD 3.21 million of gross revenue for the minimum scheduled period of the time charter.The 2013-built m/v Maera was previously chartered to Rotterdam’s Transgrain Shipping at a gross charter rate of USD 8,500 per day for a period of sixty-eight days.last_img read more

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