by: James Robert LayA few days ago, we visted the past and reviewed our top 20 digital marketing resources in 2014. Today, we’ll take a peak into the future as we explore three digital marketing predictions for credit unions in 2015.1. Overall Digital Marketing Budgets Will IncreaseAs consumers continue to adopt digital channels for everyday banking transactions, and as they use digital channels when researching consumer products, credit unions will increase digital budgets as they change their marketing to match evolving consumer behavior.However, the big question we often hear from financial institution’s is, “How much should we spend in digital?” The Marketing Budgets 2014 Report from Econsultancy in association with Responsys (Download the infograph) found that 71% of organizations are planning to increase their digital marketing budgets.This increase of dollars will be pulled from traditional marketing budgets. On average, the organization’s surveyed spend 38% of their total marketing budgets on digital. More importantly, these organization’s reported that 35% of their revenue is generated through their digital channels.With that said, credit unions should expect to invest a minimum of one third of their marketing budget in digital channels. If digital is their primary source of lead generation, conversion and cross-selling, they should invest an even greater proportion of their marketing budget.Furthermore, credit union marketers will set aside dollars within their budgets for proper digital marketing training. According to Adobe’s Digital Distress study, marketers believe marketing has changed more in the past two years than in the past 50 years. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Image courtesy of NovatekRussia’s Novatek, the developer of the Yamal LNG project, reported a plunge in profit during the second quarter this year. The company’s net profit for the period reached RR 3.23 billion ($50.2 million) during the second quarter this year, dropping 92.9 percent compared to the corresponding period last year.The company’s revenue, however, dropped 5.8 percent for the quarter, reaching RR56.1 billion during the quarter significantly affected by lower average realized prices in Russian rouble terms for most of the company’s liquid hydrocarbon products as well as the decrease in liquid hydrocarbons sales volumes.Novatek’s natural gas sales volumes totaled 14.4 billion cubic meters (bcm) in the second quarter of 2017, increasing 2.3 percent over the corresponding period last year, due to the increased demand for natural gas from end-customers.As at the end of the first half 2017, the total amount of natural gas recorded as inventory totaled 0.6 bcm compared to 1.7 bcm as at the end of the first half 2016.1 RUB = 0.0167137 USD
Rob Penney’s men took a firm grip on proceedings with first half-tries from Denis Hurley, captain James Coughlan and new prop James Cronin. Edinburgh had a lengthy injury list for Alan Solomons’ first league match in charge, the absentees for this Musgrave Park clash including regular skipper Greig Laidlaw, Tim Visser and Ross Rennie. They were 22-6 adrift at half-time with Piers Francis converting two of his four penalty chances. A Nick De Luca try raised hopes of a comeback from the Scots and while centre Ivan Dineen grabbed Munster’s fourth of the night, the visitors remained competitive throughout. Replacement Harry Leonard kicked a penalty and converted Lee Jones’ 70th-minute try, but a losing bonus point was out of their reach with Munster replacement JJ Hanrahan also touching down.Munster were first to threaten with ball in hand, Cronin getting involved twice on his first senior start before Johne Murphy almost put man-of-the-match Ian Keatley over to the right of the posts.Edinburgh lost prop Alasdair Dickinson to injury but managed to take an 11th minute lead, with a Francis penalty punishing Stephen Archer for going offside.But Munster tore ahead with two tries in the space of three minutes. Keatley conjured up the opener, slicing into the 22 and passing wide for full-back Hurley who managed to stretch over past Dougie Fife and Sean Cox.After Keatley missed the conversion from wide out, Murphy gobbled up the restart to set up another high-tempo raid.There were some nice touches from Murphy and Duncan Williams before a touch of good fortune set up the second try – Murphy’s dinked kick was flicked up by Ronan O’Mahony’s right heel, allowing the onrushing Coughlan to finish neatly in the right corner.Keatley added the extras this time and he nailed a long range penalty entering the second quarter, with Edinburgh falling 12 points behind.Francis steadied them with his second three-pointer, only for winger Lee Jones to needlessly tackle Coughlan in the air near halfway and earn himself a yellow card.Keatley missed the resulting penalty from a difficult position on the right, but Munster quickly resumed on the offensive with Casey Laulala starring with his quick-witted offloads.The province relied on brute force for their next try. Coughlan was stopped in front of the posts and Cronin picked up from the ruck to crash over by the posts, TMO Jude Quinn confirming the grounding.Keatley converted and Francis was unable to respond before the break, drilling a penalty wide from a tricky spot on the left and missing on the right in the final seconds.Referee Marius Mitrea sided with Edinburgh for a couple of scrum decisions early in the second half, helping them build some much-needed territory.Scotland international De Luca left Coughlan for dead and evaded the grasp of two more defenders on a fine 25-metre burst to the try-line, with Francis converting from in front of the posts.But Munster made certain of their bonus point with 53 minutes gone, Cronin and Coughlan gaining the hard yards before Keatley’s long pass put Dineen over in the left corner for an unconverted score.Gaining more possession by the minute, Edinburgh closed the gap to 27-16 thanks to a Leonard penalty as they set up a competitive final quarter.Munster were no doubt frustrated by not putting the Scots away and they effectively made the game safe with Hanrahan’s easy run-in from a clever feed from fellow replacement Cathal Sheridan, the former adding the conversion.Nonetheless, Solomons will have been pleased with the perseverance shown by his players, a strong run and step inside from Jones seeing him complete the scoring. Munster outscored an under-strength Edinburgh team by five tries to two in Cork as they began the RaboDirect PRO12 with a fine 34-23 victory. Press Association
IOWA CITY, Iowa — Winning on the road in the Big Ten is never easy, and the No. 11 Wisconsin volleyball team showed exactly how hard it is to win away from home in their four game struggle against Iowa, winning 30-19, 26-30, 30-24, 30-21. “Iowa is one of those dangerous teams that is at the bottom of the conference but they fight like it is going to be the end of the world,” head coach Pete Waite said. “They have their backs against the wall, and that’s a dangerous team.”While the Badgers beat the Hawkeyes in almost every statistical category, it was evident that they are still not as comfortable playing on the road as they are at home.”It is one of the things we’ve been working on and struggling with this year is playing as well on the road as we do at home,” senior middle blocker and assistant captain Amy Bladow said. “We really talked about that after Minnesota, and it’s one of the things we wanted to work on tonight.”Wisconsin was able to come out in game one and jump right on Iowa, as they never trailed after taking a 3-2 lead. The Badgers were able to hold the Hawkeyes to a .068 hitting percentage in game one while they hit .286 and were led by freshman Brittney Dolgner with a game-high six kills. Game two started similarly with Wisconsin grabbing an early lead but things quickly turned south. With the Badgers trailing 15-10, Waite decided to put his senior captain Katie Lorenzen in — playing for the first time in Big Ten play — looking for a spark to get the team back in the game.”Lorenzen came in and did a nice job of changing the tempo of the game,” Waite said. “Jackie (Simpson) wasn’t doing anything too badly, it was just we needed a change out there and she did come in and kick started the team.” With Lorenzen running the offense, the Badgers were able to pull within two at 27-25 after a kill by Audra Jeffers, but Iowa went on a 3-1 run to end the game. Senior floor captain, Maria Carlini — who was scheduled to have the night off — was put in the starting lineup to start game three in an effort to boost the Badger’s offense. Carlini went on to have nine kills through two games. With Badgers down 2-6 to start game four, Waite went back to junior Jackie Simpson to try and spark the offense. The move worked as Wisconsin continued to peck away at the Iowa lead until they took the lead for good at 18-17.”The transition went really smoothly,” Bladow said. “When [Lorenzen] went in she did a really good job. She dug some really good balls, and blocked some really good balls and she obviously set really well. Then when [Simpson] went back in, it was the same thing. “I think it says a lot about both those girls that either of them can play, and it doesn’t affect our team energy. They both bring energy, and they both bring fire. They transition smoothly and will help us out a lot.”Both setters were able to spread the ball around as four Badgers finished with double-digit digs. Dolgner led all players with 25 kills, matching her career-high. Taylor Reineke, Bladow and Jeffers were also in double figures with 11, 11 and 10 kills respectively. “That is always our game plan [to spread the offensive],” Waite said. “If we do that, it’s really tough to stop the offense. The game we struggled in is probably not very balanced. We got [Dolgner] doing in the back row and that helped us.”Iowa was led on the night by sophomore outside-hitter Catherine Smale and junior right-side hitter Stacy Vitali with 15 and 11 kills respectively.While Wisconsin out-blocked Iowa 13-11, the Badgers did not have as good of night up at the net as they would have liked. “Iowa did a really good job of hitting around us,” Bladow said. “They roll shotted to the corners and they tipped a lot of balls and that really just makes our block ineffective.”One bright spot, however, was the blocking of Dolgner, who had five block assists on the night.”[Dolgner] had a couple good blocks tonight,” Waite said. “She is working on it everyday. We are watching tapes with her and we are showing things. It is a difficult thing going up against big hitters going at her, so for her to put up a couple bigger numbers, it helps us.”On the defensive side of the ball, Wisconsin out-dug Iowa 88-74. Junior libero Jocelyn Wack led all players with 25 digs. Junior Megan Mills and Dolgner also had double-digit digs with 15 and 14 respectively. The Hawkeyes were led by sophomore libero Emily Hiza with 21 digs.