The diet of Antarctic fur seals (Arctocephalus gazella Peters 1875) during winter at South Georgia

first_imgThe diet of mainly adult and sub-adult male Antarctic fur seals (Arctocephalus gazella) was investigated during the austral winters of 1992 and 1993 using faecal (scat) analysis. Of samples containing identifiable prey remains (n = 376), c. 28% contained krill alone, c. 37% contained fish alone and c. 35% contained both krill and fish. The mean size of krill taken was smaller than in summer due to the absence of large adult krill of 55–60 mm total length. Of the 25 fish taxa taken, krill-feeding species predominated, especially in scats that also contained krill. Non-krill feeding species were more abundant in scats containing fish alone. The mackerel icefish (Champsocephalus gunnari Lönnberg 1905), which feeds mainly on krill, was the most important fish species in terms of absolute frequency (53%), frequency of occurrence (69%) and estimated biomass (47%); fur seals may have a significant impact on local stocks of this species. Cephalopods and pelagic fish (myctophids) were of minor importance in the diet (<2%). The importance of krill and krill-feeding fish species suggests that the male fur seals, which are present around South Georgia in winter, are targeting their foraging on a krill and fish community, probably associated with krill aggregations.last_img read more

Division of Recreation announces Spring Chess Tournaments

first_imgThe Division of Recreation’s Chess Club will hold its Spring Chess Tournaments at the Recreation Senior Center on the following days:May 9 at 6:30 p.m. – Bayonne Championship (students/adults) May 11 at 12 p.m. – Jr. Championship (Elementary/High School)Registration for all tournaments will be taken over the phone, by calling (201) 858-6127, or email ([email protected]), any weekday from 8:30 a.m. to 4:30 p.m. There is no fee to participate. You may also register on the day of your tournament at the Senior Center (597 Broadway).Chess Master Joe Lux will again be running the tournaments. Please bring your own chessboards if you have them.For additional information, please call Pete Amadeo at (201) 858-6129 or email [email protected]last_img

Chris Turpin & Stephanie Jean Ward Of IDA MAE Are On The Rise Again. This Time, It’s On Their Terms [Interview/Photos]

first_imgLoad remaining images IDA MAE, the sublimely talented British blues duo comprised of Chris Turpin and Stephanie Jean Ward, achieved a fair amount of stardom at a relatively young age. The pair initially made their mark in Europe with Kill It Kid, the alternative rock band they formed in Bath, England over a decade ago.Turpin and Ward toured extensively with Kill It Kid, and before it as all over they had even signed a major label record deal with Warner Bros. Kill it Kid generated the kind of industry buzz that often leads to the global rock star success that millions of musicians blissfully daydream about while plodding away at their day jobs.But despite all their initial success and the attention they had begun to garner—not just in England, but all throughout Europe—Turpin and Ward decided to kill off Kill It Kid. The pair subsequently set out to do the one thing they had always had their hearts and minds set on: make the kind of music that inspired them to become musicians in the first place.Turpin and Ward recently sat down with Live For Live Music to discuss their transformation from alternative music darlings into Delta blues torch-bearers, their unique chemistry, how the legendary Ethan Johns came to produce their debut LP, and their love affair the retail chain Target.Most musicians would give anything for even the slightest amount of industry recognition or success, especially when initially attempting to jump-start their careers. However, despite reaching those benchmarks in their early twenties with Kill It Kid, Turpin and Ward threw caution to the wind and collectively chose to pursue a different path altogether. The pair ultimately wanted to make music that inspired them and although they had spent years grinding away in Kill It Kid, success started to take on a different meaning for IDA MAE.“We started Kill It Kid when we were nineteen-years-old and we ended up getting signed within six months of starting the band while we were still at university,” explains Turpin. “The band started out in a sincere, simple place that was very acoustic where we even had a violin player, but things changed quickly. At one point we decided to leave our degrees and move to Seattle to make the first Kill It Kill record. It seemed like the right move at the time because we got out there and immediately started connecting with producers that had worked with established acts such as The Lumineers and Brandi Carlile.”However, as things progressed with Kill It Kid, Turpin and Ward began to feel some trepidation about moving forward with the band despite their increasing buzz within the alternative rock world. “By our second record, it had begun to get a little tougher on us as we suddenly found ourselves playing more rock and roll music,” Turpin laments. “By the time we had made it to making the third Kill It Kid record, we had been signed to a major label. We knew at that time that we had signed a bad deal but we simply didn’t have a manager that was powerful enough to handle a situation like that. … That third Kill It Kid record was never meant to sound like commercial music, nor was it really meant to be pushed to a commercial label, but those things ended up happening anyway. At that point, Steph [Ward] and I realized that being in Kill It Kid just wasn’t working for either of us anymore.”Turpin and Ward wanted to transition to making the kind of music that inspired them personally: rural, early twentieth-century country and Piedmont blues. Blues legends such as Robert Johnson, Mississippi Fred McDowell and “Blind” Willie McTell were the types of artists that really turned Turpin and Ward on.The band’s name, IDA MAE, was even initially coined when Turpin asked Ward to sing an old Sonny Terry and Brownie McGhee song by the same. Coincidently, that ended up being the very first song the pair ever harmonized on together.Let’s be realistic for a second. Delta Blues isn’t exactly bringing in the type of social media following that generates global fan interest or, for that matter, buy-ins from major record labels. If it was tough paying their bills as members of a somewhat-successful alternative rock band, how were Turpin and Ward going to carve out a living playing the blues? How would they even go about describing their new sound to anyone that may choose to give it a chance?“If we wanted to make more money we would have stayed in Kill It Kid,” Turpin explains. “We had a following and had everything behind us that would have surely lead to more money. For us the change in our career was all centered around the music. … I would rather be fucking bone broke making the music that I love than feeling I was in the wrong place at the wrong time and just going through the motions to make a paycheck.”Turpin is passionate about the subject and seems intent on hammering home the point home that IDA MAE, more than anything else, was both his and Ward’s true calling all along. “The reason we started to make this music and the reason we made the record the way we did was we wanted to be as brutally honest as we could be. We care about being as sincere and as honest as possible.”“More than anything else, I think that’s what’s missing from music these days,” he continues. “A record should be something that you can put on and it should provide solace and safe place for you to go into and hide for a bit. It should be a very personal experience.”Despite rooting the sound of IDA MAE in the blues, both Turpin and Ward insist that they are still inspired and influenced by the more traditional and rock and roll artists to whom most of their peers claim allegiance.“What’s crazy is we are piecing together some of the exact same influences we did in Kill It Kid—like f*cking Led Zeppelin, Fleetwood Mac, and the Grateful Dead—but we’re just putting those influences together in completely different ways.”As Ward adds, “Some of these shows are the first ones where I’ve been happy with the things that people have been saying to us afterwards, like things about our harmonies for instance. We’ve even had these big scary blokes coming up to us and saying that our set made them cry. Strangely, that’s the kind of feedback that has helped validate all the tough choices we made.”“It’s cool that our music seems to be really connecting with people but if you were to just describe it to someone that didn’t know us and said to them IDA MAE, oh they’re this Delta blues band, most people’s response would probably still be, ‘Well, f*ck that,’” Turpin concludes with a chuckle.Fortunately for IDA MAE, the industry and music fans have had nothing but praise for the blues duo of late. Case in point: Southern rock superstars like Blackberry Smoke and the Marcus King Band both tapped IDA MAE to open runs of shows for them earlier this year. Last month, Turpin and Ward closed out a very well-received run of shows with current mainstream rock music press darlings Greta Van Fleet.IDA MAE’s debut LP, Chasing Lights, is set to be released on Friday, June 7th. The record was produced by the legendary (and somewhat reclusive) Ethan Johns. Johns has worked with industry heavyweights such as Paul McCartney and Kings of Leon, among others.Johns is also a producer who turns down about ninety-nine percent of the artists that approach him to work on their records. Despite this fact, Johns jumped at the chance to work behind the scenes with Turpin and Ward to create what eventually would become Chasing Lights.“Ethan was always at the top of our list because of who his father is [Glyn Johns] and how both he and his father record music,” Turpin explains. “I grew up with bands like Free, Led Zeppelin, the Kinks and all that music that’s real, but we never thought Johns would work with us. However, we actually ended up getting a call one day that he wanted Steph and I to come out to his house and meet with him.”“We went to his house in the winter, which is this farm in the middle of nowhere,” Turpin continues. “We played a bunch of songs together for a while then met his kids and stayed for dinner. At the end of all of it, John’s says to us, ‘I’d love to do your record.’ His management was quite shocked to hear that because he turns down ten out of ten people.”“We knew what we were signing up [for] with Ethan [Johns]. We wouldn’t run through songs so much as we would play them in pre-production and then go through the songs and the lyrics together,” Turpin explains of recording with Johns. “When we sat down to track and record, we had maybe played the song through once if we were lucky. Then we’d run through it maybe once or twice more and then it was straight to tape. Ethan would often just listen to a song once and come out and say, ‘That’s the one.’ The innocence, the mistakes and the learning that’s in those recordings—those are all part of Ethan’s process and they allow the songs to really reflect all of that work.”Turpin highlights Chasing Lights track “Easily In Love” as an example of this rapport. “So, ‘Easily in Love.’ When you hear it on Chasing Lights, that wasn’t even our first [actual] take of the song—it was lifted from us just practicing it. When Johns heard that take he just said, ‘That’s it.’ And you know what, he was right. Right then and there, we knew we were going to get super organic, super unpolished and we were either going to sink or swim in that environment, and it just felt right. That’s why we went with Ethan, and it’s why the record came out the way that it did.”Beyond the inherent quality of their music, the thing that allows IDA MAE to hypnotize any audience is the fiery chemistry that exists between Ward and Turpin. Ward effortlessly weaves in out and of Turpin’s direct space on stage as if their unspoken connection spiritually binds them in ethereal ways that cannot be easily defined or explained. Even without the assistance of a band behind them or anything that could be deemed a stage bell or whistle, they create a myriad of intense moments that captivate any audience for whom they play. Consequently, the duo’s live shows come off as not only musically polarizing but also deeply personal.Curiously enough, however, neither Turpin nor Ward were initially cognizant that these conditions even existed. “We weren’t aware of it even though people kept telling us about it all the time,” Ward says with a laugh. “Quite frankly, I’m now kind of terrified it’s going to just disappear one day.”“I think we’ve been doing this so long together that our chemistry just naturally exists today but I do think it’s something that’s been there the whole time,” Turpin adds.Turpin and Ward only recently moved to the U.S. and are slowly becoming acclimated to all of North America’s idiosyncrasies and offerings. Since they’ve spent the vast majority of their time in the U.S. on the road, they’ve started a burgeoning love affair with, of all things, retail outfit Target.Ward lets out and big laugh as she details what’s behind their infatuation with the retail giant. “Target is great because you can go down one aisle and buy slacks, then you can just walk over and get a cup of coffee from Starbucks. But he [points to Ward] is just as bad.”“It’s true,” Turpin chimes in. “I’ll go into Target for something very specific but somehow walk out of there with a thermal vest, two Yankee candles, and a f*cking bookshelf. That sh*t does happen.”Today, IDA MAE is generating the same kind of fan interest and industry recognition that Turpin and Ward were able to achieve more than a decade ago in their past life with Kill It Kid. The difference these days is they are doing it their way, making the kind of music that they once only dreamed of sharing with the world. It turns out dreams actually do come true. Who knew?You can browse a gallery of IDA MAE photos below. Check out IDA MAE’s debut LP, Chasing Lights, when it’s released on Friday, June 7th. To pre-order the album and to keep up to date with all things IDA MAE, head on over to their website here.IDA MAE | Photos: Robert Fortelast_img read more

Turning College dreams into reality

first_imgPart of a series on the impact of Harvard financial aid on students.April 1, 2010, brought a welcome surprise for Shaunte Butler: an acceptance email from Harvard College. The Miami native sat frozen at her computer for several minutes, letting it sink in that she was admitted to the Class of 2014. Hugs and kisses from her mother and excited phone calls to friends soon followed.But the joyous celebration nearly didn’t happen. Butler almost didn’t apply to Harvard.The importance of a college education was never in question at Butler’s Florida home, where her mother, Lisa Winchester, reminded her two children daily about the pivotal importance of a strong education. It was a message that Winchester took from her grandmother, whose mantra was, “You’ve got to learn the books.”“What she instilled in my family,” said Winchester, “was everyone was going to school.”Yet as a single parent who worked two jobs to support her family, Winchester knew that paying for her children’s college tuition without major loans would require strong financial support. Her daughter knew that, too. With her strong academic record, Butler had a number of Ivy League schools in sight. While preparing her college applications, she had researched financial aid options online and found that many of her top choices fully covered tuition for students whose families made less than $65,000 a year.Still, Butler was skeptical about Harvard.“I knew Harvard fell into that category,” she said. “I think I was just still a little discouraged from applying just because of some stereotypes in my mind that Harvard wouldn’t accept students from low-income backgrounds.”In fact, Harvard’s financial aid is among the most generous in the country and never requires students to take out loans to cover the cost of their education. Since launching the Harvard Financial Aid Initiative in 2005, the College has awarded nearly $1.6 billion in grant aid to undergraduates. More than half of students receive some form of need-based financial aid, and the majority of students pay just 10 percent of their annual family income.Shaunte Butler addressed Miami Northwestern students about her journey from Miami to Harvard. Joe Sherman/Harvard University“Our program is really designed to remove the financial barriers that may exist for students as they contemplate their college choice,” said Sally Donahue, Harvard’s director of financial aid. “Our goal is to have families contribute to the extent that they are able, and then to have Harvard fill in the gaps, making Harvard affordable for all families.”To ease the burden of everyday expenses, Harvard launched a start-up grant program last year that awards incoming freshmen whose annual family incomes are less than $65,000 an additional $2,000 to help them transition to College.Ensuring that a Harvard education is within financial reach for all qualified students is one of the primary goals of The Harvard Campaign, said Donahue.“I can’t think of a better investment of University resources than making it possible for us to be able to continue to recruit students of talent from around the world, admit the best students regardless of their financial background, and then train them to be citizen leaders in the world.”One of Butler’s high school teachers kept urging her to apply to Harvard. “I just don’t think I am going to get in,” she told him. He countered that not applying would be “making a big mistake.” His comment worked.Butler graduated in 2014 with a degree in neurobiology. Today she is a first-year student at the Yale School of Medicine. Down the road, she hopes to work in public health to reduce medical disparities between income groups.On a recent trip to Florida, Butler stopped by her alma mater, Miami Northwestern Senior High School, with Harvard President Drew Faust, where they encouraged students to attend college after graduation. Butler told the teens to aim high and reminded them that Harvard’s generous aid package, like that of many Ivy League schools, makes the College affordable.“I was letting them know… since they go to Miami Northwestern they are likely to fall under the same financial aid I did, where they don’t have to apply for anything extra, [and that] they will get fully covered for all four years, and that Harvard even provides a little bit of money for student activities.”In addition to covering tuition costs, Harvard’s financial aid includes things such as the Winter Coat Fund, which helps students buy cold-weather gear, and the Student Events Fund, “so you don’t have to worry about going to fewer student activities just because of money,” said Butler.“Harvard is really generous with financial aid,” she said, “and Harvard just really ensures that when you get to the school, your money won’t make a difference in your social life.”Winchester fulfilled her own college dreams in 2014, graduating from Barry University in Miami with a joint bachelor’s and master’s degree in public administration, just a couple of months before Butler.Recalling her daughter’s College career, Winchester said, “The word that comes to mind is amazing — amazing and grateful.” Harvard’s financial backing, she said, “was just beyond our wildest dreams.”last_img read more

Odds & Ends: GOT’s Owen Teale Set for West End & More

first_imgOwen Teale Here’s a quick roundup of stories you may have missed today. Game of Thrones’ Owen Teale Tapped for No Man’s LandTony winner Owen Teale (A Doll’s House) will play Briggs in No Man’s Land opposite Ian McKellen and Patrick Stewart. Known recently for playing Ser Alliser Thorne in HBO’s Game of Thrones, Teale joins a production that will first tour the U.K. this summer before landing in the West End. Directed by Sean Mathias, Harold Pinter’s classic is set to run September 8 through December 17, with opening night scheduled for September 20 at the Wyndham’s Theatre.Tom Burke to Dive Into Deep Blue SeaTom Burke, who appeared as the naughty Dolokhov in A&E, Lifetime and the History Channel’s War & Peace, has been enlisted for The Deep Blue Sea at the U.K.’s National Theatre, writes the Daily Mail. The previously announced revival of Terence Rattigan’s play about a woman who leaves her respectable High Court Judge husband for a semi-alcoholic former RAF pilot, will be led by Helen McCrory, and is set to begin previews at the Lyttelton Theatre on June 1.Hugh Dancy Boards Fifty Shades DarkerAnother stage vet has been tapped for the Fifty Shades franchise. According to the Hollywood Reporter, Broadway alum Hugh Dancy (Venus in Fur) will play psychiatrist Dr. John Flynn in the second installment of the screen adaptation of EL James’ erotic novels. Jamie Dornan’s character Christian Grey feels the need to call in Flynn after his ex, Mrs. Elena “Robinson” Lincoln, comes back into his life. She’ll be played by Kim Basinger…The film is currently shooting in Vancouver and is slated for release on February 10, 2017.Theatre World Accolade for Bernadette PetersBernadette Peters will be honored with the 4th Annual John Willis Award at the 72nd Annual Theatre World Awards ceremony on May 23 at Circle in the Square, home of the Tony-winning tuner Fun Home. Bestowed for lifetime achievement in the theater, previous recipients include Alan Alda, Christopher Plummer and Chita Rivera. Since it’s Friday, and to pay tribute to the legendary Tony winner and Doganizer, here’s a flashback to Peters performing “Rose’s Turn” at the 57th annual Tony Awards in 2003. You’re welcome. View Commentslast_img read more

TixNow on Sale for Off-B’way Return of iLuminate

first_img‘iLuminate'( Photo courtesy of iluminate.com) iLuminate, named the best new act in America by America’s Got Talent, will return to New York City this summer. Tickets are now on sale for performances, which are scheduled to begin on July 18 at Theatre 80 St. Mark’s. The limited engagement is set to run through September 4.Music, art, and the technological magic of iLuminate bring you a story of adventure and romance told through dance styles ranging from contemporary, hip-hop, latin, and breaking, all using the power of light. With a mash-up of dazzling wizardry, spectacular dance moves, fun audience-interactive games and high-tech effects, iLuminate delivers this unique dance-in-the-dark event.“We have added some fun new elements that allow audiences to interact with the cast and participate in the show, including a chance to light themselves up, play an interactive game, and so much more,” said Miral Kotb, founder and director/choreographer for iLuminate, in a statement. “It’s going to be an exciting summer in NYC!” View Commentslast_img read more

COVID-19 Farm Safety

first_imgWhile there is no evidence that the COVID-19 virus is a food safety concern, it is a worker health concern as it spreads via close person-to-person contact or by contact with contaminated surfaces.Food does not appear to be a likely cause of COVID-19 transmission, but many of the same practices used to prevent foodborne illness on foods should be used to reduce the likelihood of COVID-19 contamination on fresh produce and the risk of COVID-19 spreading among workers.Producers should educate workers on COVID-19 symptoms, how it spreads and how to reduce the spread of the disease.The following are guidelines from University of Georgia Cooperative Extension to share with employees:Instruct workers to stay home if they are sick (coughing, sore throat, fever, diarrhea, vomiting, etc.).Reassure employees that they will not be punished for missing work due to illness.Have a plan in place and communicate in advance how you will address workers who do not want to miss a paycheck (paid sick leave, etc.).All employees must wash their hands frequently throughout the day with soap and water for at least 20 seconds. This includes when employees arrive to work, before they handle food, after breaks or after using the restroom, etc.Disinfecting tools, equipment and surfacesDuring COVID-19, or any other outbreak situation, increase routine cleaning and disinfecting frequency to protect the health of workers. Disinfecting routines also need to include administrative offices, field trucks and break areas that are not generally included in day-to-day cleaning.Cleaning and disinfecting are two separate steps and should be done in order. Cleaning removes dirt and soil and often requires the use of a soap/detergent and water. Disinfecting uses a chemical to inactivate viruses on the surface.Following are guidelines for disinfecting items and surfaces:Clean and disinfect shared tools between uses by different employees.Use the CDC’s recommended use of disinfectants on the EPA list found at go.ncsu.edu/epacovid-19. (Note: this list is based on current data, but compounds have not been validated for inactivation of the virus causing COVID-19.)Bleach may be used to disinfect surfaces, but the concentration is higher for COVID-19 than for everyday sanitation: five tablespoons of bleach per gallon of water.Clean harvest baskets, bags, aprons, knives, etc. after each use. Wash fabrics with a detergent in hot water and apply a disinfectant to nonporous surfaces. See CDC guidelines on laundry at go.ncsu.edu/cdclaundry.Disinfect frequently touched surfaces — including door handles, steering wheels, keyboards, touch screens, etc. — throughout the day.Hygiene and personal protective equipmentHand sanitizing stations should supplement but not replace handwashing. Consider having sanitizer available for harvest or packing crews.Discourage employees from sharing phones, tools, utensils, vehicles, etc.Provide single-use gloves to all workers handling food. Gloves should be changed when contaminated (e.g. when hands touch skin or the ground). When gloves may interfere with a worker’s ability to do their assigned task (e.g. harvesting, applying stickers, etc.), handwashing or hand sanitizer should occur frequently.Some workers may prefer to wear masks while working in close proximity with others. Masks should be allowed but not required, and workers should be instructed on how to wear them properly to prevent illness or injury.Distancing and cohort monitoringInstruct workers to keep six feet away from each other. Limit one employee per vehicle at a time, and instruct drivers to disinfect frequently touched surfaces within the vehicle before their shift ends.When physical distancing is not an option, consider dividing workers into cohorts that only work with members within that cohort for the duration of the outbreak. For example, divide your packing crew into two groups that only show up for their group’s designated shift. Have the first shift clean and sanitize their work areas and equipment at the end of their shift and give a buffer of 15 to 30 minutes between the end of the first shift and beginning of the next shift to ensure employees are not in contact with each other during shift changes.Smaller operations may want to consider having designated harvest and packing crews, the members of which never cross paths during the work day. Employees in the same household should be assigned to the same crew or cohort. Cohorting reduces the risk of losing the entire workforce, which could happen if an employee who works at the same time as all of the other employees tests positive for COVID-19.For more information on COVID-19, visit cdc.gov/coronavirus/2019-ncov. For more resources on COVID-19 from UGA Extension, visit www.extension.uga.edu/emergencies.last_img read more

U.S. gas group predicts record production, demand for the coming winter

first_imgU.S. gas group predicts record production, demand for the coming winter FacebookTwitterLinkedInEmailPrint分享S&P Global Market Intelligence ($):As record gas production keeps pace with historic demand, market dynamics may put continued downward pressure on gas prices this winter, according to the Natural Gas Supply Association.The group predicted record average demand of 109.3 Bcf/d, driven largely by LNG and pipeline exports and by growing use of gas in the power sector, where 7 GW of gas-fired generation is estimated to have come online this year, according to the association’s 2019-2020 winter outlook.Tempering that expected consumption increase, however, may be warmer weather and minimal industrial demand growth, slowed by trade uncertainties, the association, or NGSA, report projected.The association predicted 4% year-on-year production growth, compared with last winter’s 14% uptick. The outlook relies on published data and independent analysis and is prepared by Energy Ventures Analysis. Dry gas production is slated to average a record 92 Bcf/d this winter, and associated gas production from the Permian Basin should comprise the largest increase among supply areas, supported by new pipeline connections, the outlook said.The supply side should be supported by ample storage, with a start-of-winter inventory that is 2% above the five-year average, putting total supply at 109 Bcf/d, including 4.7 Bcf/d of imports from Canada, according to the report.Domestically, electricity demand is also on the rise, forecasted to be 27.0 Bcf/d — up from 25.7 Bcf/d last winter — according to the NGSA outlook. Low gas prices have encouraged dispatch of gas-fired generation and amid a structural shift to additional gas-fired plant.More ($): Record U.S. gas production to keep winter prices down, industry group outlook sayslast_img read more

What you are missing in your credit union videos

first_img 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Meredith Olmstead Meredith Olmstead is the CEO and Founder of FI GROW Solutions, which provides Digital Marketing & Sales services to Community Financial Institutions. With experience working with FIs in markets of … Web: www.figrow.com Details Hopefully it’s not news to you that more and more people are watching streamed video online. According to Deloitte, U.S. internet users spend, on average, 38 hours each week watching streamed video content! So as we all spend more time watching video content, it’s important that your Credit Union or Community Bank stays relevant by producing video content to watch online.And according to Search Engine Journal, YouTube is the second most used search engine, behind only Google! WOW! If your Financial Institution isn’t in the mix you are truly missing out bigtime on this latest trend in consumer behavior.Often we hear from our clients that they just don’t know what kinds of videos they should make to take advantage of this shift to video content consumption. Well, here are a few ideas…Educational Video Content: How-to or DIY VideosThink with Google reports that 70% of millennials say they’ve used YouTube to learn how to do something new. So why not produce some great content that teaches your targets how to solve a problem they are having?If you want to target young people why not make a video on the ‘cheapest DIYs for your rental’? Or what about ‘how to make sure you get your security deposit back with these three easy tips’?Your videos shouldn’t just relate to financial products or services. Get creative and try to give your prospects some great tips they can use immediately!Inspiring Video Content: Customer or Member Testimonial VideosAdvertising research also reveals that the consumer’s emotional response to an ad has far greater influence on their reported intent to buy a product than does the ad’s content — by a factor of 3-to-1 for television commercials and 2-to-1 for print ads (Psychology Today).And just last year, 92 percent of buyers said that they sought out and read customer testimonials before making a purchase decision. Add in reviews on local listing sites that provide the opportunity to give feedback on a business. These are skyrocketing! As you can see from the BrightLocal chart below, since 2016, reviews on sites like Yelp, Facebook and Google have gone up dramatically and “Google is acquiring reviews at the fastest rate – new reviews jumped 278% in 2016 from 2015.”But what do reviews have to do with video?Well, customer testimonial videos are an incredibly powerful way to tell a positive story about your Financial Institution. And when you produce these kinds of videos, you will inevitably influence others to share similar stories. These testimonial videos can inspire new online reviews.Connecting your video content to your institution’s various local listing pages will make leaving a review that much easier. It’s a win-win!Entertaining Video Content: Fun Behind the Scenes Videos So many Credit Unions and Banks are making videos that are just plain BORING!! Instead, think outside the box. Highlight the personality of your staff and put a fun twist on the video content you create.Perhaps you could consider staff profile videos that show off the personal interests of your employees. Or make a seasonal video of the ugly sweater day at your local branches. You could do an Instagram take over by a staff member and have them make a funny video with their team during a long weekend conversion. Anything that shows off the human side of your brand works well on video.Learn more from the FI GROW Blog today or Contact Us for more information on how we can help your Financial Institution grow! ☺last_img read more

Compliance: Data points covered by S. 2155 HMDA exemption

first_img 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr The Bureau of Consumer Financial Protection issued a final rule at the end of August clarifying what changes in the Economic Growth, Regulatory Relief and Consumer Protection Act (S. 2155) mean for credit unions in terms of Home Mortgage Disclosure Act (HMDA) reporting. The rule clarifies that the changes took effect when the bill was signed into law May 24, and also includes a list of the exact data points that are covered by the partial exemption.Credit unions that do not meet the loan volume threshold of 500 open-end lines of credit and/or 500 closed-end loans do not need to report 26 of the data points, they only have to report 22 of them.A chart has been provided by the bureau, which can be viewed on CUNA’s CompBlog.The rule also contains a change regarding the Universal Loan Identifier (ULI). Insured credit unions are not required to report a ULI for loans that are partially exempt (although they can voluntarily report the ULI if they prefer). But, credit unions that qualify for the partial exemption must still provide information so that each loan and application they report is identifiable for HMDA purposes. continue reading »last_img read more