Why credit union branch staff drive referral business

first_img 5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Recently, we surveyed more than one hundred community bank and credit union marketers across North America to get their input on the state of credit union marketing in 2016. The marketers who responded overwhelmingly agreed on the best marketing channel and the best method for attracting new members: word of mouth referrals, otherwise known as referral marketing.Why Choose Referral MarketingThe vast majority of the marketers that we surveyed reported that managing and using a referral marketing program was relatively easy – which is true. Whether hosted manually in-branch, hosted by an out-sourced agency or operated through an off-the-shelf piece of software, referral marketing programs are consistently one of the least expensive and easiest marketing channels to develop, implement and manage once the program goes live. A referral program will generally require minimal involvement from the I.T. department and training front line staff to use the program is usually a pretty quick task to complete. Referral programs are also relatively simple to market as most of the marketing and promotion for the program will be done by your existing branch members! continue reading »last_img read more

Diluting H5N1 vaccine may protect more people, study says

first_imgJun 26, 2007 (CIDRAP News) – Limited supplies of prepandemic influenza vaccine may prevent more illness cases overall if they are administered to more people in lower-than-recommended doses, University of Hong Kong researchers contend in a study published this month in Public Library of Science (PLoS) Medicine.Steven Riley and colleagues, who used a mathematical model to predict illness attack rates under different dosing scenarios, report that “substantial reductions in the attack rate are likely if vaccines are given to more people at lower doses.”The authors note that it is unlikely that enough doses of prepandemic vaccines will ever be available to allow universal coverage at maximally protective doses in many countries. The concern over supplies has led scientists and policy-makers to debate who should have priority access to the vaccine, with some arguing for groups at highest risk for severe illness and others for those who are most likely to spread the disease.In their model, the authors included all three prepandemic H5N1 flu vaccine candidates with available data from phase 2 clinical trials. The data showed that two of the vaccines produced immune responses after doses in the 1.25- to-10 microgram (mcg) and 7.5- to 30-mcg range. The third vaccine yielded immune responses with doses of 7.5 to 90 mcg. In trials of all three vaccines, blood serum samples from at least half of the subjects who received two inoculations at the recommended dose were able to neutralize target flu antigens.The authors combined data on the immunogencity of the three prepandemic vaccines with data on person-to-person transmission in the past three flu pandemics to create their models. Their aim was to predict how giving the vaccine to different numbers of people at varying doses would affect the number of people infected in a pandemic.The models predicted that for all three vaccines, giving more people a lower dose of vaccine would limit the spread of disease better than giving fewer people the dose recommended for maximal individual protection, according to the report.For example, in one scenario, the model showed that if 20 million of the United States’ 300 million residents were given two 10-mcg doses of one vaccine, the attack rate would drop from 73.2% to 69.5%, and if the same amount of vaccine antigen were spread out over 80 million with two 2.5-mcg doses, the attack rate would drop to 67.7%.Another scenario envisioned dividing the planned US vaccine stockpile among 160 million people instead of the targeted 20 million. That approach would lower the overall attack rate from 67.6% to 58.7%, according to the model.”Our results suggest that a lower vaccine dose may be justified in order to increase population coverage, thereby reducing the infection attack rate overall,” the researchers concluded.Other experts contacted by CIDRAP News had a number of reservations about the authors’ findings and their applicability to pandemic preparedness.Using low doses to spread the vaccine supply to more people would be able to prevent many deaths at the public health level, but it’s far from ideal, said Gregory Poland, MD, director of the Vaccine Research Group at the Mayo Clinic in Rochester, Minn. He called the approach “the least attractive option mandated by being unprepared and having an insufficient manufacturing capacity for a pandemic or prepandemic influenza vaccine.”It is impractical to expect individuals to undergo vaccination when they may not derive much benefit from it, Poland said. “From an individual perspective, if you’re going to go through the pain, risk, and cost, you want to know you’re protected from it,” he said. “You want it to be potent enough so you have a 90% -plus chance of responding with protective levels of antibody.”William Schaffner, MD, chairman of the Department of Preventive Medicine and professor of medicine in the Division of Infectious Diseases at Vanderbilt University in Nashville, said that although mathematical modeling studies are rarely practical, “they can be very provocative in stimulating thinking, and I think in that regard, this is very provocative.”However, several issues keep the study results from offering immediate applications, two of which the authors acknowledge in their report, he said. First, data on the efficacy of such low doses of flu vaccine are lacking. Second, the virus that causes the next pandemic may differ significantly from the H5N1 strains that are currently circulating. “The closer the match between the influenza virus represented in the vaccine and the actual virus that’s circulating, the more likely it might be that their approach may have some measure of success,” he said. “But they acknowledge that influenza viruses change, so if it’s not a good match, a low dose will be even less effective” than the recommended dose.What the authors did not discuss, Schaffner added, is that pandemics occur in waves, and the protection conferred by a low-dose immunization will not last long enough to protect someone against multiple waves that might occur months apart. “You might have some measure of protection for the first wave, but you would be completely vulnerable for the second wave,” he said.Michael T. Osterholm, PhD, MPH, said it would be scientifically, politically, and socially irresponsible to initiate a plan on the basis of this study with so many unknowns. “While conceptually it’s important to consider how to protect the most people that we can with what will be inadequate supplies of vaccine, to extrapolate any level of protection using a prepandemic vaccine and the unknowns of immunogenecity is like trying to predict the next lightning strike during an upcoming thunderstorm,” said Osterholm, director of the University of Minnesota Center for Infectious Disease Research and Policy, publisher of CIDRAP News.Schaffner said the use of adjuvants (chemicals included in some vaccines to stimulate the immune system) is a much more positive approach to dealing with the vaccine shortage than simply lowering the vaccine dose. The use of an adjuvant—which he refers to as “Hamburger Helper”— has more relevance to the people who are vaccinated, he said.”I actually think that concept to stretch the amount of vaccine is a better one because it has the potential for satisfying both goals: you can reduce the amount of actual vaccine dose, but by also providing the adjuvant, you’re actually protecting people,” he said.Riley S, Wu JT, Leung GM. Optimizing the dose of pre-pandemic influenza vaccines to reduce the infection attack rate. PLoS Medicine 2007 June;4(6):1032-40 [Full text]See also:Fraser C. Influenza pandemic vaccines: Spread them thin? PLoS Medicine 2007 June;4(6):0977-9last_img read more

Companies receive HHS orders for novel flu vaccine

first_imgMay 26, 2009 (CIDRAP News) –Two vaccine companies, Sanofi Pasteur and GlaxoSmithKline, recently announced they received their first orders from the US government for a vaccine and adjuvant to protect the country against the novel H1N1 virus.Sanofi, in a statement released yesterday, said the initial order it received from the Department of Health and Human Services (HHS) covers the production of bulk vaccine and related activities and is worth $190 million. On May 22, Glaxo said in a press release that HHS ordered vaccine antigen and the company’s proprietary adjuvant system, AS03. Adjuvants are compounds that enhance a vaccine’s immune response, offering the possibility of stretching antigen supplies.The announcements from the two companies follow a May 22 announcement from HHS that secretary Kathleen Sebelius was directing about $1 billion in existing funds toward clinical studies and commercial production of bulk vaccine antigen and adjuvant.Federal officials have announced plans to support the development of a novel H1N1 vaccine, but have taken pains to explain that the decision to use it would be made separately.The Centers for Disease Control and Prevention (CDC) has said it hopes to wrap up work on a seed strain to send to vaccine makers within the next few weeks. Once companies receive the seed strain, they can develop pilot lots to begin safety, efficacy, and dosage testing.The federal government’s placement of the orders falls under existing contracts that the Biomedical Advanced Research and Development Authority (BARDA) established with the companies in 2004 as part of the nation’s pandemic influenza strategy.Sanofi said it hopes to begin work on a pilot lot in June after the US Food and Drug Administration approves its working seed. The company said clinical trials could begin as early as August, but a timeline for final formulation, filling, and distribution has not been set.Wayne Pisano, Sanofi’s president and chief executive officer, said in the press release that though a number of complex steps need to be taken before a vaccine is available, the company’s experience in developing the prepandemic H5N1 avian influenza vaccine will be helpful. “We look forward to further demonstrating our experience and expertise in vaccine development as we prepare for this new threat from AH1N1,” he said.Production of the new H1N1vaccine for HHS will take place at the company’s recently licensed new production facility in Swiftwater, Pa. As soon as the company finishes production of seasonal influenza vaccine at its second Swiftwater facility, it can produce the novel H1N1 vaccine at both plants. The two plants, when operating at full capacity, can make about 150 million doses of seasonal flu vaccine.Meanwhile, Glaxo said it expects to fill HHS’ adjuvant order within the next few months and hopes to produce the first antigen doses 4 to 6 months after receiving the novel H1N1seed strain. The company said its proprietary adjuvant, already approved as a component of the H5N1 vaccine in Europe and some Asian countries, is the subject of 15 additional clinical trials, including one involving a seasonal flu vaccine.Both Sanofi and Glaxo said they are in ongoing discussions with other countries about producing novel flu vaccine for national stockpiles.See also:May 25 Sanofipress releaseMay 22 Glaxopress releaseMay 22 HHS press releaseMay 6 CIDRAP News story “FDA approves new vaccine facility”last_img read more

Sick Wilkins rejects drink rumours

first_img The 57-year-old’s departure from Craven Cottage was made official on Tuesday night, with head coach Rene Meulensteen and technical director Alan Curbishley also making way for new manager Felix Magath and his backroom staff. Wilkins, who was last year banned from driving for three years after being convicted of drink-driving, remained in the dressing room after half-time in last week’s home defeat to Liverpool and admitted he can sometimes look “worse for wear” in the dug-out. Press Association Former Fulham coach Ray Wilkins has announced he is struggling with ulcerative colitis – the same condition afflicting Manchester United midfielder Darren Fletcher – in order to dispel rumours of a drinking problem.center_img The former England and Chelsea midfielder insists the chronic bowel condition is to blame. Wilkins told the Daily Mail: “I need to control the ulcerative colitis with strict medication, which I had not done before the Liverpool game. That is the reason I didn’t return to the dug-out after half-time, as I needed to be close to a toilet. “Unfortunately I can look the worse for wear but it is nothing to do with drink. I did have verbals with (Liverpool manager) Brendan Rodgers, but it was nothing. “I was face to face with (Fulham) chief executive Alistair Mackintosh and the owner Mr (Shahid) Khan straight before the game. And if I had been unable to carry out my duties, they had the right to sack me on the spot. “I most certainly had not been drinking on the train before the match.” Wilkins said he “didn’t want to make a fuss” about his condition. “But I desperately want to carry on in football and there’s no chance of that happening if everyone gets the wrong impression that I have a drink problem,” he added. “I was very stupid about the drink-driving and I have had trouble with depression on occasions – but not since I was back in football.” last_img read more

JUDGE TELLS NEWMILLS MAN TO PROVE MACHINERY IS HIS

first_imgA Newmills man has been told by a judge to go away and find documentation to prove a piece of machinery in Garda possession is his.Noel Devine of Kirkneedy applied to Letterkenny District Court to have teleporter returned to him.Mr Devine, 43, claimed the machinery was his but had been with the Gardai since February 2012. He was asked by Judge Paul Kelly if he had any documentation to prove the item was his.He said the machinery had been sold to him by another man as part of a swap deal and that he had the man in court.However, Judge Kelly asked how he knew the other man owned the machinery in the first place.He said there must have been a log book with the machinery but Mr Devine said the teleporter was 25 years old and was never on the road.Judge Kelly said there must be some form of documentation and asked Mr Devine to go and get it and come back to court at a future date in a bid to resolve the matter.JUDGE TELLS NEWMILLS MAN TO PROVE MACHINERY IS HIS was last modified: June 25th, 2013 by StephenShare 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:courtNEWMILLSNOEL DEVINEteleporterlast_img read more

Hughes ‘could not trust Barton’

first_imgArsenal and Tottenham have been linked with Clint Dempsey following the American’s latest goals for Fulham.The Daily Mirror say Arsenal are keen to sign him, while The Sun claim he is a target for both the Gunners and Spurs.Hughes held Barton back for a crucial game against Swansea.Dempsey’s brace against Bolton on Saturday took his tally for the season to 21, inevitably increasing speculation that he could leave Craven Cottage in the summer.His contract expires at the end of next season and he has been offered a new long-term deal.Meanwhile, The Sun declare that Joey Barton was axed for QPR’s game against Manchester United because boss Mark Hughes ‘could not trust his skipper to avoid trouble’.Hughes explained before and after the defeat at Old Trafford that he left Barton out because he is a booking away from being suspended.The midfielder is expected to return for Wednesday’s home clash with Swansea.Follow West London Sport on TwitterFind us on Facebooklast_img read more

SA invests in African infrastructure

first_img4 August 2005South Africa’s state-owned enterprises are investing heavily in building up rail, power and other infrastructure in Africa. Now a new body in the Department of Public Enterprises, the Africa Infrastructure Project, is to coordinate this investment.Bongi Gasa, head of the initiative, told Parliament’s select committee on labour and public enterprises on Wednesday that the project is to maximise the developmental impact of Public Enterprises’ investments, and minimise the risks of doing business in Africa.South African state-owned enterprises or parastatals include transport company Transnet, South African Airways, electricity utility Eskom, arms manufacturer Denel, telecoms utility Telkom, diamond mining company Alexkor, IT provider Arivia, Aventura holiday resorts, and forestry company Safcol.Gasa said South Africa’s parastatals need to position themselves to “take advantage” of investment opportunities over the next 10 years that will flow from the recent Gleneagles G8 leaders’ summit.A recent Commission for Africa report recommended that developed countries should invest an additional $20-billion (R128-billion) a year in African infrastructure, he said.For this reason, Public Enterprises Minister Alec Erwin and senior management of SA’s parastatals meet regularly to coordinate the activities of the enterprises in Africa and ensure the maximum impact and reward for their investments. Previously, parastatals had approached African investment separately.Eskom already operates in over 20 African countries, is exploring opportunities in 10 others – and is to engage in a R24-billion cross-border infrastructure project with the power utilities of Botswana, Angola, Namibia and the Democratic Republic of Congo (DRC).The joint venture will build hydroelectric power stations in the DRC, Angola and Namibia, producing power for the region and possibly for export. It will also construct fibre-optic connections for broadband telecommunication links.South Africa’s Spoornet, which owns and operates 80% percent of Africa’s rail infrastructure, is upgrading rail lines between Ethiopia and Eritrea, as well as in parts of West Africa, along with projects in the southern region and locomotive leasing arrangements in Sudan, Tanzania, the DRC, Zimbabwe and Swaziland.Other parastatals with large exposures in African markets include South African Airways, Arivia and Denel.Balancing riskHowever, Gasa warned that South Africa’s parastatals need to protect themselves from high-risk investments in Africa. The cost of loan capital in high-risk countries could jeopardise the enterprises’ profitability, he said. High interest rates could affect the whole company, not just its operations in the risk area.The department needs “to make sure that the risk factors associated with investment in Africa do not have a negative bearing in South Africa,” he said.The department has engaged international business consultancy McKinsey & Company to assess the financial and political risks of investing on the continent.Gasa added that parastatals must focus on their core business to maintain viability while maximising their impact on economic growth and poverty reduction.The state has to be realistic about the risks of investing in Africa, Gasa said, while at the same time helping African countries improve their policies and regulations.The government is currently renegotiating infrastructure investment projects in Zambia and Mozambique – particularly those involving Spoornet – because South Africa’s shareholding in some projects is disproportional to the investments made, Gasa said.SouthAfrica.info reporterlast_img read more

Swine summer camp brings “All-Stars” to Ohio

first_imgShare Facebook Twitter Google + LinkedIn Pinterest Young people from across the country involved in the show pig world converged on Columbus in mid-July to take part in a unique learning sure to make an impression for years to come.“The Showpig.com All-Stars was a camp that we started a couple of years ago. The first two years we were in Romney, West Virginia,” said Kevin Wendt, auctioneer and CEO of the Wendt Group. “We were on a campus of a local high school that had an awesome animal department and we could do some really cool things obviously being in Appalachia to tie in the service part of it, but we decided this year to come to the Ohio State University, do some things here on campus, do some things in town, and still tie in to showing pigs and teaching them about leadership and those kinds of things.”While the focus of the event may seem to be on showing hogs, Wendt says the goals of the program excel far beyond the show ring.“It really was my wife Megan’s idea,” Wendt said. “She comes from a youth ministry background and so being involved in the show pig industry ourselves and being out there at the shows, we wanted to try and give something back and try to do it in a different way and impact young people. We’ve been very fortunate to have our staff get behind it. Lots of volunteers get behind it and really take this thing to a whole new level. We’ve really got young people here from coast to coast and the intent down the road is to build this into something where they can go back home regionally and then get other young people involved in the hog industry, but then also move up the line through service and projects and helping your community. That was our goal and it has worked very well.”The learning experience, while heavily focused on swine production, is truly centered on development of the participants.“One of the real neat activities they did yesterday is we broke them up into pods or different groups, and each group was given $20 and had the opportunity to go out to a grocery store to try and provide for $20, a meal for a family of four — so kind of a tough thing to do. We want to get them to think outside of the box, plus we can give back to the community,” Wendt said. “The food that was bought is going to be donated to the local food bank and then we’ve had some folks from Ohio State teach them about the importance of nutrition and then trying to fit within your budget. Budgeting, nutrition, trying to do something for the community — that’s just part of what we’re trying to do here.”Taylor Miller, employee of the Wendt Group and one of the lead organizers of the camp, noted the busy schedule the students had in the program.“So these kids are here to learn all about leadership in the industry and how they can be an advocate in all kinds of things — from commercial barns to a vet clinic, farm to fork — just anything swine related. That’s what we’re touching on,” she said. “We were at a veterinary clinic and a commercial hog farm. We were at Ohio State with Dr. Zerby and Dr. Moeller — they’re learning our Farm to Fork project, so they judge live animals and then get to see a harvest. We go to the meat lab and then we eat all that meat towards the end of the week so that’s one of our biggest projects. We’re actually going to be hitting Real McCoy Genetics. They’re going to get some fun downtime — we’re doing a canoe trip on Sunday and then Saturday we heard from Jesse Heimer of Heimer Hampshires. He told the kids just how he grew his business, how he got started and his love for our industry. We’re hitting a lot of big industry leaders but also giving them time to learn from each other.“For me personally, I have had great experiences meeting kids from across the country growing up showing. So seeing these kids getting to develop relationships with the kids they’re going to know for a long time, that’s my favorite part. It’s fun to see everybody that’s kind of making and developing their relationships and they’re going to be people that we’re going to see in our industry in years to come.”The camp participants were a high-energy group of over 30 students eager to learn from leaders of the swine industry. And for many of the students, the experience was their first time traveling so far from home.“I think camp has been an amazing experience,” said Sage Wilbanks of Texas. “I’ve gotten to meet so many new people from so many different areas. I don’t get to leave Texas a whole lot and so I think one of the greatest things is getting to meet people from all over the United States and getting to learn some of the slang.”Brody Morrison from Arkansas reflected on his positive impressions from the friends and experiences he received.“We’ve learned a lot. It’s been a good time,” he said. “I’ll be able to have more connections and get to experience more than they will back home.”The camp, while still young, has clearly made its impression. Wendt shared one of many such examples.“One of the young people that was at our first camp three years ago actually is now currently doing what I would call mini show pig camps, teaching about fitting and nutrition — he and his family. They’re going all over the country doing this, so they’ve made their own little entrepreneurial business off of the model of having small camps working with young people,” Wendt said. “It’s that network of people that can work together, regardless if they’re in Texas or California or Oregon, they can still make that connection obviously with technology today to help each other.”Showpig.com is a segment of the Wendt Group’s many dealings and is known as one of the top destinations for online pig sales.last_img read more

TBI Awareness Month: Resources for Military Family Caregivers

first_imgThis blog post is part of a series of Military Family Caregiving articles published on the Military Families Learning Network blog. 24,954 Service members were diagnosed with a mild traumatic brain injury (mTBI) in 2012 (Defense Centers of Excellence). Is your wounded warrior one of the 24, 954 service members suffering from mTBI?The month of March is considered TBI Awareness Month and as we bring attention to the condition affecting many returning service members and their families it is important to identify resources and services available to educate this unique TBI community.According to the eXtension article, Caring for Those with Traumatic Brain Injury, military-related TBI can be caused by gunshot wounds, exposure to blast, and even motor vehicle accidents. The blow to the head can disrupt normal function causing damage to the brain.When working with caregivers of wounded service members, many specialists will tell caregivers to learn all they can about their warrior’s condition in addition to the information provided by their doctors and nurse case managers.As a caregiver, it can often times be difficult to decipher information from medical visits with your service member’s doctors and may add to the already overwhelming caregiving role. Learning on your own can provide a deeper understanding of TBI and allows you, the caregiver, to provide the proper care to your loved one.To help narrow down the vast TBI resources, the following information has been provided as it relates to TBI in the military. Resources have been broken down between military branches and national programs as you enhance your knowledge of TBI and caregiving.TBI Programs by Military BranchesU.S. Air ForceAir Force Wounded Warrior ProgramU.S. ArmyArmy Wounded Warrior ProgramU.S. Army TBI ProgramArmy Features–Traumatic Brain InjuryU.S. NavyNavy Wounded Warrior Safe HarborU.S. Marine CorpsMarine Wounded Warrior RegimentNational TBI Programs and ResourcesBrain Injury Association of AmericaBrainLineMilitary.orgCenter of Excellence for Medical Multimedia (CEMM)Centers for Disease Control and Prevention–Traumatic Brain InjuryDefense and Veterans Brain Injury Center (DVBIC)Make the Connection–Effects of Traumatic Brain InjuryModel Systems Knowledge Translation Center (MSKTC)–Traumatic Brain Injury Consumer InformationNational Center for Telehealth & Technologylast_img read more

Maharashtra’s reply sought on plea against bail to Pragya

first_imgThe Supreme Court on Friday sought a response from the Maharashtra government on a plea challenging the Bombay High Court order granting bail to Sadhvi Pragya Singh Thakur, an accused in the 2008 Malegaon blast case.A Bench led by Justice R.K. Agarwal also listed the bail plea of Thakur’s co-accused Shrikant Purohit for August 14.The petition challenging the bail for Thakur was filed by Nisar Ahmed Haji Sayed Bilal, father of some of the blast victims. It wants a stay of the April 25 High Court order.“The High Court failed to appreciate that Sadhvi Pragya Singh Thakur is an influential person and is likely to wield her power and influence in an illegal and unlawful manner to tamper with evidence and influence witnesses,” the petition contended.But in an affidavit, the National Investigation Agency (NIA) countered that it had not found “sufficient evidence” to prosecute Thakur. However, on the other hand, the agency contended that there were “several incriminating circumstances” against Purohit to prove “his deep involvement and complicity in the crime.”Thakur was granted bail by the High Court, which, however, had refused a similar relief to Purohit. The NIA contended that there was no question of parity between the two accused and the High Court did not err in granting bail to Thakur.Seven persons were killed in a bomb blast on September 29, 2008, at Malegaon.last_img read more