Flour Mills Nigeria PLC (FLOURM.ng) listed on the Nigerian Stock Exchange under the Food sector has released it’s 2014 abridged results.For more information about Flour Mills Nigeria PLC (FLOURM.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Flour Mills Nigeria PLC (FLOURM.ng) company page on AfricanFinancials.Document: Flour Mills Nigeria PLC (FLOURM.ng) 2014 abridged results.Company ProfileFlour Mills Nigeria Plc is a flour milling company in Nigeria with business interests in food production, packaging, agricultural industries, port operations and logistics and real estate. The company manufactures and sells past, noodle, edible oil and refined sugar as well as livestock feeds; supplies fertiliser; manufactures and markets laminated woven polypropylene sacks and flexible packing material; and grows and processes sugar cane, oil palm, fresh tropical fruit, poultry and cassava. Business interests in ports operations and logistics include operating Terminal A and B at the Apapa port and offering customs clearing, forwarding and shipping agents and logistics services. Flour Mills Nigeria Plc owns and manages real estate in Nigeria. The company is a subsidiary of Excelsior Shipping Company Limited. Its head office is in Lagos, Nigeria. Flour Mills Nigeria Plc is listed on the Nigerian Stock Exchange
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In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Kirsteen Mackay | Saturday, 8th February, 2020 | More on: LLOY Brexit is likely to throw up a multitude of challenges in the coming months as the UK negotiates new trade deals with the EU prior to a complete and final break up at the end of the year. The ongoing uncertainty of Brexit will continue to weigh heavily on Lloyds until it concludes. A good trade deal would massively change the outlook for the banking sector, but little can be predicted and worries about a potential market crash are also playing on shareholders’ minds.Interest rates and inflation have been low for some time and this is unlikely to change in the near term. Our slowing economy doesn’t do the banking sector any favours either.Too little too late?Lloyds is 255 years-old but is making strides toward a digital future. However, converting legacy systems into sleek, fast, modern systems is no small undertaking. This is where challenger banks have an edge and less expenditure.Lloyds has also announced it intends to close 56 branches between April and October in another cost-cutting bid.It’s not all bad news though. The Bank of England recently undertook a stress test to assess the health of UK banks. This test found that the top banks, including Lloyds, are adequately prepared to withstand another financial crisis such as a Brexit-induced economy meltdown or a major global recession. But while this is reassuring to its customers, it wouldn’t come without cost to shareholders.So, what would I do about the Lloyds share price right now? I’d continue to avoid it. I agree it looks good on paper, with a price-to-earnings ratio of 10 and a generous dividend yield of 5.7%, but I still think the uncertainty surrounding the economy makes it too risky. There are many more desirable UK stocks in the FTSE 350 to choose from. I think there’s bearish sentiment towards big banks for good reason and I’d seek out safer sectors to invest in. See all posts by Kirsteen Mackay Kirsteen has no position in any of the shares mentioned. The Motley Fool UK has recommended Lloyds Banking Group. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. This is what I’d do about the Lloyds share price right now I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. The banking landscape has transformed in recent years. Retail banks are no longer such a common sight on the high street and a regular visit to your local branch manager is out of the question. These days banking is mainly done online or over the phone.Lloyds Bank (LSE:LLOY) is no different and its share price partly reflects that these changes have not generated a positive outcome for one of the sector’s big names.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Digital demonsSeveral ‘challenger banks’ have popped up to confront traditional banks. Mainly stimulated by the rise of the internet, these digital banks are competitive on price and service, which leaves big banks like Lloyds with little room for manoeuvre.Despite the PPI mis-selling disaster being put to bed, Lloyds still has many hurdles to contend with in 2020. The share price is down 2.25% in the past year. That’s not a lot, but the share price has seen considerable volatility too. Year-to-date, it’s down over 11% and that’s only a matter of weeks into the year. Unfortunately, I think the share price has further to fall. Image source: Getty Images. Enter Your Email Address Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge!
The Anatomy of Fear Please enter your comment! The Apopka Voice celebrated its third anniversary this month.And in that time we have published over 5,700 articles, built a Facebook page with over 6,300 likes and have consistently gone over 40,000 unique visits every month to our news site. Consistently we are in front of more Apopkans than any other online publication.The mission of The Apopka Voice is to tell the story of this community and to inform, engage and inspire. But are we telling the story of your business? Are we informing, engaging and inspiring Apopka about you?We may not be 100 years old, but we are the most read source of online news in Apopka, and there is no better place to tell the story of your business than The Apopka Voice.Marketing used to be easy. Take out an ad in the local newspaper, the phone book, maybe a local magazine, a billboard and if you had the money a television commercial. And if your sales went up, you knew it was working.But did you ever really know?The best you could do to truly know if your advertising campaign was working was to add a coupon, maybe a URL code, or ask how they heard about your business on the phone.But today, the buying process is far more sophisticated than that.The modern age of the internet has drastically changed the way buyers (both business-to-business and business-to-consumer) interact with businesses while moving through their journey of making a purchase. The internet has not only allowed buyers to access an unlimited number of resources to utilize in their research, but it has completely flipped the traditional method of selling upside down because consumers are much more educated at the time they are ready to make a decision.Most traditional marketing (TV, Radio, Print) works like this:Company A places an ad with the intention of completely interrupting what the potential customer is doing. The hope is to get the customer to stop in their tracks, pay attention to what has interrupted them, and make a conscious decision to interact with Company A on another platform (phone, internet, social media).Here’s the problem – people hate being interrupted.Even during the Super Bowl, when consumers tend to enjoy the commercials, a study by Communicus showed that 60% of all ads ran during the event don’t lead to an increase in the purchase or buying intent. Even online, where engagement is supposed to be higher, a recent Google study showed that 69% of web users bounced from a site when presented with an interruptive display ad.So what does this mean? Well to put it plainly, people get annoyed with interruptive ads, and it sometimes turns them off to brands. People want to consume media in a way that is comfortable and non-intrusive, which is why an inbound strategy is much better suited to drive new business in today’s world.The other issue with outdated advertising is a lack of trackability.For many small to medium-sized businesses, this is a huge sticking point. They simply don’t have the resources to be able to implement the types of tracking mechanisms that a Fortune 500 brand might with traditional media to measure engagement and return. They want every dollar tracked and want a clear understanding of what their marketing dollars are bringing back into their business. Traditional media doesn’t easily allow for this kind of tracking, while digital online advertising does a far better job at accurately tracking who is seeing your ads and reading your releases.Most everyone’s behavior is being tracked online, and the power of that big data can be used to help better reach your customer base. There’s even an app that allows you to get alerts when your emails have been opened.Pretty powerful right? A solid digital marketing strategy with tracking mechanisms such as this will allow your organization to better reach your audience and refine your sales process with pinpoint precision.Let me show you how to do this for your business with a modernized, interactive, and inexpensive marketing campaign from The Apopka Voice. Call me at 407/437-5654 or email me at [email protected] and let me tell the story of your business 365 days a year. Support conservation and fish with NEW Florida specialty license plate Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Please enter your name here LEAVE A REPLY Cancel reply You have entered an incorrect email address! Please enter your email address here TAGSThe Apopka Voice Previous articleThis new year – rethinking gratitudeNext articleApopka’s Biggest Stories of 2018: Nelson elected Mayor Denise Connell RELATED ARTICLESMORE FROM AUTHOR Share on Facebook Tweet on Twitter Save my name, email, and website in this browser for the next time I comment.
TCU FrogFest in 2015. Photo courtesy of TCU 360. Twitter This author does not have any more posts. Previous articleFootball treating Texas like any other opponentNext articleThe Leap 10/22/19 Chad Vautherine RELATED ARTICLESMORE FROM AUTHOR Chad Vautherine TCU places second in the National Student Advertising Competition, the highest in school history Welcome TCU Class of 2025 Linkedin ReddIt Twitter Facebook ReddIt Linkedin printTCU FrogFest in 2015. Photo by TCU 360 staff photographer. TCU is bringing in well-known celebrities for this year’s Homecoming events to engage the student body and keep them involved post-graduation. There will be plenty of school spirit on the Commons Friday night, as the marching band and cheer squad will get everyone in attendance excited for Saturday’s football game against Texas.The Homecoming pep rally will be headlined by a Hunter Hayes concert and fireworks show afterwards.“With Hunter Hayes coming to TCU, we have a bigger artist this year for FrogFest than we have had in the past,” said Brad Thompson, the assistant director of Student Activities. The festivities will continue after the fireworks show at Schollmaier Arena, where Shaquille O’Neal, going by his alias DJ Diesel, will host the Schollmaier Live basketball kickoff. Schollmaier Live will include a three-point contest, a dunk contest and performances from a couple of DJs. DIESEL (@SHAQ) IS COMING TO FUNKYTOWNJoin our programs at Schollmaier Live on Oct. 25! #GoFrogs pic.twitter.com/Y8c6g1XI6g— TCU Athletics (@TCU_Athletics) October 1, 2019 Kelly Lee, the Student Activities coordinator, said that the goal for Homecoming in the future is to get more students involved now so that they will stay involved as alumni. “A lot of our ideas with bringing in a bigger artist and bringing in Shaq is driven by what we want Homecoming to become in the future,” Lee said. “I hope that Homecoming this weekend will remind the students of the legacies left here at TCU so that one day, they will come back home to TCU.”On Saturday, TCU football will take on the Texas Longhorns at 2:30 p.m. at Amon G. Carter Stadium. The Frogs will be donning new uniforms when they take the field Saturday with red trim on their helmets and red numbers on their uniforms. When our backs are against the wall, we, Horned Frogs, know only one response….. 𝙬𝙚 𝙛𝙞𝙜𝙝𝙩.#GoFrogs #BeatUT pic.twitter.com/xFUMtvDPll— TCU Football (@TCUFootball) October 22, 2019 The pep rally will take place on the Commons at 6:00 p.m. Friday, with the Hunter Hayes concert beginning at 6:30 p.m. Intermittent rain is expected Friday with temperatures in the high-40s to low-50s. Schollmaier Live will begin at 8 p.m. Facebook World Oceans Day shines spotlight on marine plastic pollution
ShareShareTweetSharePin it Community News HerbeautyWant To Seriously Cut On Sugar? You Need To Know A Few TricksHerbeautyHerbeautyHerbeauty6 Lies You Should Stop Telling Yourself Right NowHerbeautyHerbeautyHerbeautyA Mental Health Chatbot Which Helps People With DepressionHerbeautyHerbeautyHerbeautyInstall These Measures To Keep Your Household Safe From Covid19HerbeautyHerbeautyHerbeauty9 Of The Best Metabolism-Boosting Foods For Weight LossHerbeautyHerbeautyHerbeautyIs It Bad To Give Your Boyfriend An Ultimatum?HerbeautyHerbeauty Make a comment Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Business News faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes TOP STORY Pasadena Releases Two Reports Detailing Minimum Wage Increase Impact on the City Published on Friday, January 25, 2019 | 2:22 pm Name (required) Mail (required) (not be published) Website Top of the News Your email address will not be published. Required fields are marked * https://pasadenanow.com/documents/LeamerMW.pdf Community News Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Reich currently serves as a Professor of Economics at University of California, Berkeley and has recently served as Director for the Institute for Research on Labor and Employment at UC Berkeley. His research publications cover numerous areas of labor economics and political economy. Dr. Reich has a B.A. in Mathematics from Swarthmore College and a Ph.D. in Economics from Harvard University.Leamer served as an Assistant and Associate Professor at Harvard University before joining the UCLA faculty in 1975. Dr. Leamer currently serves as Professor of Economics, Professor of Management and Professor of Statistics at UCLA Anderson School of Management. He served as Director of the UCLA Anderson Forecast for seventeen years. He received a B.A. degree in mathematics from Princeton University and a Ph.D. degree in economics and an M.A. degree in mathematics from the University of Michigan.The City Council is expected to consider the issue of future increases to the local minimum wage at its meeting of February 11, 2019. First Heatwave Expected Next Week More Cool Stuff Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Subscribe Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. The City of Pasadena Friday released two studies detailing a minimum wage increase impact analysis to comply with the Pasadena Minimum Wage Ordinance.On March 14, 2016, the Pasadena City Council adopted a local minimum wage ordinance, Ordinance #7278. The ordinance required that on or before February 2019, the City Manager presents a report to the City Council summarizing the impact of the city-wide minimum wage on reducing poverty, unemployment, job creation, and overall business climate.City staff prepared a Request for Proposal seeking responses to assess the impact of the City’s minimum wage on workers, businesses, city residents, and the broader community. As the result, the City selected two independent consultants to analyze the impact of the Pasadena Minimum Wage.The reports were prepared by Dr. Michael Reich and Dr. Edward Leamer.See the reports here:https://pasadenanow.com/documents/ReichMW.pdf
Email Facebook Previous articleOvernight fire at Limerick Prison containedNext articleLingerie thief had designs on ladies underwear admin WhatsApp Advertisement by Andrew CareySign up for the weekly Limerick Post newsletter Sign Up A Limerick woman who threatened to blow a Garda’s head off with a imitation gun is now “in the last chance saloon”, a judge has warned.Judge Carroll Moran told 22-year-old Belinda O’Sullivan at Limerick Circuit Court that she had come to the end of the line and she was now in the last chance saloon in relation to her behaviour and pattern of regular offending.Ms O’Sullivan, with an address at the Travelodge Hotel, Coonagh, threatened to blow the head off a Garda with an imitation pistol after he seized a vehicle at the hotel on the Ennis Road.Garda Gavin Fisher told the court that he was impounding the vehicle when he was approached from behind by the defendant wielding the imitation weapon.Sticking the gun into the Garda’s back, O’Sullivan shouted “give me back my car or I’ll blow your f***ing head off.”A second Garda, who was with Garda Sisher, immediately disarmed the young woman and seized the weapon. Further examination revealed that it was a cigarette lighter made to look like a vintage pistol.The court heard of Ms O’Sullivan’s lengthy list of previous convictions that stemmed from a troubled background and upbringing.Defence Counsel Mark Nicholas said “it was a joke, and a pretty bad one at that”, but his client never intended to harm anyone.Garda Fisher didn’t take the same view and retorted that “it certainly wasn’t a joke” adding that “it was a very serious matter”.He told Judge Moran that the whole experience had been “very frightening and upsetting” for him.Although described as a drug addict with a number of issues, Judge Moran was told that Ms O’Sullivan was clean from drugs since she had been in custody.Imposing a total of three years in sentences, Judge Carroll Moran said that he would suspend the jail term on the warning that she had was now in “the last chance saloon.” NewsBreaking newsPistol prank lands woman in last chance saloonBy admin – December 27, 2013 1016 Print Twitter Linkedin
Print NewsCrime & CourtLimerickSupreme opening for new courthouseBy Staff Reporter – January 25, 2018 4062 Email Previous articleThe force is strong at Limerick City and County Council headquartersNext articleLimerick GAA club shows Racism the Red Card Staff Reporterhttp://www.limerickpost.ie Update: Man charged in cash, drugs and tobacco seizure Facebook Linkedin Advertisement Limerick dog shelter had three times average kill rate Architect’s impression of the new Limerick courthouse. Twitter Video of llama in Limerick sparks outrage RELATED ARTICLESMORE FROM AUTHOR Struggling against the tide of animal abuse TAGSbarristercourtsJack NicholasLawlegallimerickLimerick CourtcomplexSupreme Court Assaults in Limerick under investigation New HR service for Shannon Chamber members FOR only the second time in its history, the Supreme Court will sit outside of Dublin and hear a number of cases in Limerick next March to coincide with the official opening of the new court complex on Mulgrave Street.The new multi-million euro Limerick court house complex will become operational and hear cases four weeks before the Supreme Court arrives.Sign up for the weekly Limerick Post newsletter Sign Up A spokesperson for the Courts Services confirmed to the Limerick Post that the complex will open in the first week in February with the Supreme Court arriving in March for three days of hearings.Bar Council representative Jack Nicholas BL said that this would mark a unique event.“This is part of a move to make the highest court in the land more open. It sat in Cork a number of years ago and the fact that this is occurring at the same time the new complex is opening is unique.”It is expected that once the court complex becomes fully operational, all criminal cases before the Circuit and District courts will be heard at the Mulgrave Street premises and the Central Criminal Court is also expected to sit there to hear the most serious of offences.The present District Court building at City Hall is likely to be repurposed by Limerick City and County Council ahead of the 2019 local elections.See more Limerick news here WhatsApp
View post tag: Crewmembers September 13, 2011 Training & Education View post tag: Visit Twenty-eight Sailors assigned to Pre-commissioning Unit Arlington (LPD 24) spent the weekend of Sept. 10-11 in the national capital region for the 10th anniversary of the terrorist attacks on 9/11.“To be able to come here and represent the ship and the Navy to the people of Arlington – because in a sense it is their ship, too – is a huge privilege,” said Arlington’s Prospective Executive Officer Cmdr. Brett Hershman.Crew members spent part of the afternoon Sept. 10 with former Secretary of Defense Donald Rumsfeld, and his wife Joyce, the sponsor of the Navy’s newest amphibious transport dock ship.“It’s a very special treat to have these Sailors with us here today,” Mr. Rumsfeld said. “I know that all of the people in the Pentagon [on 9/11] and are alive today are very appreciative that the Navy decided to name a ship ‘Arlington.’ We look forward to following the crew and the ship and its service life over the coming decades.”Under construction at Huntington Ingalls Industries shipyard, Arlington combines 21st century amphibious shipbuilding and warfighting technologies to support current and future Marine Corps aircraft and landing craft, and will be capable of taking nearly 1,200 Sailors and Marines into harm’s way. The ship, which will be commissioned in 2012, is named for Arlington County, Va. in commemoration of the 184 victims and heroes who lost their lives in the Sept.11, 2001 attack on the Pentagon.Mrs. Rumsfeld christened the ship in Pascagoula, Miss. March 26, and said she is thrilled to have that connection with the ship.“Naming a ship ‘Arlington’ says a lot about our country and the people who volunteer to serve in the Navy,” she explained. “It’s an honor, and for now and forever.“‘Arlington’ is our country’s way of saying ‘we have not forgotten,’” she continued. “It also means going forward with strength, honor and fortitude, and I feel lucky that we were able to have her Sailors in our home.”Arlington Sailors also visited the Pentagon Memorial.“The memorial is a quiet place for me to reflect, to remember what we are doing all this for,” Hershman noted.The Sailors also joined approximately 5,000 other runners in the 10th Annual Arlington 9/11 5K Sept. 10, and won second place in the “military teams” category.Arlington County Police Capt. Kevin Reardon, who attended the ship’s christening, welcomed the ship’s crew to Washington, D.C., a decade after the terrorist attack.“I think it is very appropriate that the ship is named after what took place at the Pentagon 10 years ago, and that some of her Sailors are here now to meet some of the victims’ family members, and the police officers who responded,” he added.Arlington Chaplain Lt. Victoria Chappell felt the trip to Washington D.C. was especially important for personal reasons.“When those atrocities were committed on 9/11, I was a math teacher in New York,” she recalled. “I knew a door in my life had closed and another one opened, and I went to a recruiter the next day to join the Navy. There is no better way to serve my country than aboard a ship named ‘Arlington.’”[mappress]Source: navy, September 13, 2011; View post tag: Namesake View post tag: News by topic Back to overview,Home naval-today USS Arlington Crewmembers Visit Namesake City Share this article View post tag: usa View post tag: Arlington USS Arlington Crewmembers Visit Namesake City View post tag: USS View post tag: Naval View post tag: Navy View post tag: City
A similar initiative was recently undertaken by Greater Manchester Combined Authority, which developed a digital map of assets and investment. It is estimated that the map saves planners and developers between one and three hours every time it is used. See the Greater Manchester Open Data Infrastructure Map online. Midlands Engine Chairman Sir John Peace said: This project will further cement the UK’s place as a geospatial world leader, once again showing our commitment to providing more opportunities for tech companies to flourish, including small businesses. Technology using this location data is revolutionising our economy. From navigating public transport to tracking supply chains and planning efficient delivery routes, these digital services are set to become part of everyday life and business in the Midlands. The government is also backing the Midlands through investment in vital transport links, such as HS2 which will include a new East Midlands station between Nottingham and Derby. In last week’s Budget, the Chancellor pledged to fuel the Midlands Engine and back the region’s growth and today we are building on that. By opening up this valuable data to both investors and developers we will create greater opportunities across the Midlands in vital areas like housebuilding. Through the harnessing of this data, we are encouraging both public and private sectors to work in smarter, more joined-up ways that will create jobs, boost productivity and grow the economy here in Derby and across the Midlands. Through the Midlands Engine Strategy, the government has set out its commitment to making the Midlands an even better place to live, work, study and do business. The strategy, launched last year, includes £20 million for the Midlands Skills Challenge to make sure that everyone across the region is equipped with the skills they need to thrive, as well as £4 million to support the Midlands Engine Partnership. Further information The Chancellor announced in November 2017 a new Geospatial Commission to maximise the value of all UK government data linked to location, and to create jobs and growth in a modern economy. The work is part of the government’s drive to maximise the value of data linked to locations, which could generate £11 billion a year. The work is led by the Geospatial Commission and was announced by the Chancellor in November 2017.Cabinet Office Minister for Implementation, Oliver Dowden MP, said: Last year, the West Midlands Combined Mayoral Authority received £250 million as part of the Transforming Cities Fund towards upgrading transport infrastructure. At the Budget, this fund was extended to 22/23, providing a further £71.5 million for the West Midlands. The Derby and Nottingham city region, Leicester and Stoke-on-Trent were recently shortlisted for a share of the £1.3 billion competitive element of the fund. This really is great news for everyone in the Midlands Engine Partnership. This will fund an invaluable one-stop digital map for local authorities that will allow them to work much faster and more efficiently. At the Midlands Engine we have committed to supporting the build of 600,000 new homes in the next 15 years. This is an ambitious target and the tool will support local authorities by giving them the information that they need to identify suitable development sites and work in a more joined-up way. The mapping tool will also allow faster and more informed decisions with ready access to maps of utilities, surgeries and educational establishments. Local business and council leaders across the Midlands will receive up to £1.5 million to pioneer cutting-edge technology to identify the best investment and regeneration opportunities across the area.The Midlands Engine Partnership, in collaboration with the Geospatial Commission, will use the funding to develop a digital map of the region combining vast amounts of existing public and private sector data linked to location – covering infrastructure, local services, housing and other developments.Bringing this information about the Midlands together in one place for the first time will allow for better, faster and more informed decisions around health, education, housing, trade and tourism.The move will help create jobs, benefit the local economy and increase productivity. For example, land earmarked for housebuilding could be identified by other sectors as an opportunity to invest in developing nearby public assets, such as a school or office complex, as well as installing next-generation technologies, such as 5G connectivity.On a visit to Derby, the Exchequer Secretary to the Treasury, Robert Jenrick, said: Funding from the Geospatial Commission is subject to business case approval, and will cover initial start up costs and the first year of operation, with a view to the map becoming self-sustaining after this point
34SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,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 Norman Rockwell never really showed us America. He painted America as it might have been, could have been, should have been. His images left generations vividly remembering experiences they never had. Rockwell portrayed a wishful thinking America. Many believed it –in the same way many marketers portray a fictional credit union in their branding.What promises are you making in your marketing? As a professional, you’re the Norman Rockwell of your brand. Each day you sit at the canvas with brush in hand and paint the picture that you want people to see. Each day you convey a beautiful scene of a dozen members joined by credit union staff and volunteers singing Kumbaya in the spirit of all things that are good about financial cooperatives.But what would happen if Julian Assange showed up in your lobby with briefcases full of internal documents from planning sessions, staff meetings, and transcripts of dialogue from office banter? Would that line up with the touching Norman Rockwell style message of being a financial cooperative that cares? In many cases, I fear that would not be the case.How many conversations and notes from planning sessions would be inwardly focused leading only to padding the bottom line? How many of those conversations would sound more like a bank than a financial cooperative? I used to think the larger the credit union, the more “bank-like” they are. I quickly found that to be false. There are some smaller credit unions that are pulling Wells Fargo-style antics. Many larger credit unions are passionate about serving the types of members that they were founded to serve decades ago. They follow the Louise Herring mindset of staying true to doing the work you were founded to do while using modern techniques to stay relevant.According to a study by AdAge, consumers don’t trust your ads. In fact, fewer than 25% of U.S. online consumers trust ads in print publications, and the numbers are even worse for digital media. Despite these numbers being consistent for several years, ad campaigns get all the action because “hitting your numbers” means finding the right customer segment in the right channel with the right message. In 2017 though, even the most advanced campaigns won’t deliver competitive advantage anymore. Your competitors are as skilled as you – if not better – at the campaign game. You can keep painting your Normal Rockwell images of a zen-like financial cooperative, but if it’s nothing more than lipstick on the pig, consumers are smart enough today to see right through it.Stop trying to cram the Norman Rockwell image down consumers’ throats. Change your focus from member acquisition to interaction management. Downplay media buys, focus on member experiences that will be memorable and shareable. Move from transactions to exchanges in value. Your members will spread the word and they will be believed.