Credit unions can save money and expand service with small locations.by: Stephanie Schwenn SebringAre you looking to expand your physical footprint this year? John Smith, CEO for DBSI, a design-build firm based in Chandler, Ariz., shares a few reasons why small branch spaces are worth considering.Every retailer wants more traffic. What retailer wouldn’t want more opportunities to know its clients via personal interactions? Micro branches enable a CU to get closer to its members – to where they work, live and play. Small facilities also let members test drive and interact with products—to see the value of those products, vs. just “reading the packaging.”Branch transformation. With 65 percent of the CU’s overall operating costs tied up in branch and ATM channels, it’s critical to optimize the branch channel fully. Think about hotels, fast food, airline lounges and, of course, retail. They recognized this trend way before banking and have taken actions to optimize their stores.Micro branches and shared tenancy. Working together, the branch and another retailer can pull in greater traffic at typically 25 to 50 percent less cost (for example, rent, overhead, and utilities all become shared costs.) Smith explains: “When you partner with a retailer like the Tea House, as does one of our credit union clients, each of you share a portion of the footprint. In this case, the CU and Tea House each have 1,600 square feet, but combined, the two occupy a much larger footprint of 3,200 square feet. That’s where there are savings. Without the combined space, the CU would have to create a larger overall space. Instead, the two share a common area, bathrooms, etc. Traffic increases as people come in to buy tea, yet need banking services; people come in for banking services, and then buy tea and sandwiches. So, the CU can realize 25 to 50 percent less cost but often double the traffic.” continue reading » 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
When you watch basketball these days, you wonder what the limit is going to be on human ability. Seven footers can now bring the ball down the floor, make a clever pass to a teammate, and rebound a missed shot with a thunderous dunk all in one trip down the floor. In another scenario, these same big men plant themselves under the basket and pound each other like football linemen as they battle for a normal rebound.Then there are the sleek little men (those under 6’6″) whose limit on shooting is anywhere in the gym that there is not an obstruction between them and the basket. By obstruction I mean something in the building, because if you are Stephen Curry I don’t believe there is another basketball player who could keep him from getting off a 3-point shot. If memory serves me right, in a game a few days ago he scored 52 or 53 points mainly on 3 pointers.Where will these skills lead the next generation?
DEARBORN COUNTY, Ind. — According to Indiana Conservation Officers, Daniel Woolwine, 46, was target practicing and checking targets while operating a UTV.Woolwine was operating the UTV along a pond dam on a private property near the 20,000 block of Whites Hill Road in West Harrison.Investigators believe that Woolwine was traveling along an embankment when the UTV began to roll, tossed him, and came to rest on top of him.Conservation officers say 2 witnesses saw the roll-over and tried to move the UTV, but were unable to and quickly called 911.Woolwine was transported to Mercy Hospital in Harrison where he was pronounced deceased.Conservation officers say protective riding equipment including a helmet and the seatbelt were not being used at the time of the crash.
Two of the Premier League’s most charismatic managers did not disappoint as they chose to deviate from normal touchline gear. Slaven Bilic took his seat on the West Ham bench at Newcastle with a beanie hat pulled tight over his head, while Liverpool’s Jurgen Klopp kept his neck warm with a club snood against Manchester United on Sunday. Perhaps the biggest surprise of the weekend came at Stoke on Sunday evening. The Potters – once well known for their old-fashioned approach to the game – showed just how far they have come since the Tony Pulis days by sending out four players with gloves on, whereas Pulis’ influence saw West Brom brave the cold weather as one of four clubs without a glove in sight. In total, there were 29 sets of gloves on display over the weekend, interestingly with just three English players (Alex Oxlade-Chamberlain, Aaron Lennon and Wilfried Zaha) among them. Here are the results, starting with those most affected: 1. Manchester City (at home to Crystal Palace), five pairs of gloves, temperature 1C 2. Stoke (at home to Arsenal), four pairs of gloves, temperature 1C 3. Everton (away at Chelsea), four pairs of gloves, temperature 5C 4. West Ham (away at Newcastle), three pairs of gloves and a beanie, temperature 2C 5. Arsenal (away at Stoke), two pairs of gloves, temperature 1C 6. Manchester United (away at Liverpool), two pairs of gloves, temperature 2C 7. Aston Villa (at home to Leicester), two pairs of gloves, temperature 3C 8. Crystal Palace (away at Manchester City), one pair of gloves, temperature 1C 9. Leicester (away at Aston Villa), one pair of gloves, temperature 3C 10= Southampton (at home to West Brom), one pair of gloves, temperature 4C 10= Norwich (away at Bournemouth), one pair of gloves, temperature 4C 12= Chelsea (at home to Everton), one pair of gloves, temperature 5C 12= Tottenham (at home to Sunderland), one pair of gloves, temperature 5C 12= Sunderland (away at Tottenham), one pair of gloves, temperature 5C 15= Liverpool (at home to Manchester United), no gloves, temperature 2C 15= Newcastle (at home to West Ham), no gloves, temperature 2C 17= Bournemouth (at home to Norwich), no gloves, temperature 4C 17= West Brom (away at Southampton), no gloves, temperature 4C Footballers have been known to accessorise in the cold, with the snood an example of extreme measures taken before they were banned in 2011, and reporters at Premier League grounds have totted up the weird and wonderful ways the players kept warm this weekend. Things got under way between Tottenham and Sunderland at White Hart Lane on Saturday lunchtime with temperatures hovering around 5C and a low sun causing problems for Hugo Lloris in the Spurs goal, but things got gradually worse up and down the country as the day went on. With temperatures set to drop further in coming days, MeteoGroup (a team of meteorologists) has suggested this is just the start of a sustained cold spell. A spokesperson said on Saturday: “It’s the middle of winter so these sorts of cold spells are not unusual, but we’ve not had a particularly cold winter so far, so expect it (this cold snap) to stay for a while. “Temperatures are expected to reach freezing tonight and the coldest parts and most affected will be in the north-east of England.” The spokesperson added: “It is milder this weekend than in recent days, but expect that to change as the sleet and snow moves down from Scotland and Cumbria towards central England.” Erik Lamela and Patrick van Aanholt were the only men to keep their gloves on during Saturday’s early kick-off, opting for the bizarre combination of short sleeves and gloves – something which was repeated throughout the day. Chelsea striker Diego Costa was the only home player to start the game at Stamford Bridge with his woollies on but quickly took them off, while England manager Roy Hodgson styled it out in a scarf as he took up a watching brief in the stands and Roman Abramovich sported a big Champions League puffer jacket as his club hosted Everton. The bitter cold of Manchester may have spread to Wayne Hennessey’s fingertips as the Crystal Palace goalkeeper let a Fabian Delph shot beneath his body as temperatures reached freezing point. With snow beginning to fall at the Etihad Stadium, there were six outfield players in total keeping their digits warm – the highest aggregate on Saturday. The ‘hairdryer treatment’ may have been well received among the Palace players after they lost 4-0. With temperatures plummeting across the country in recent days, football fans and players alike have been forced to take extreme measures to avoid the cold, and Press Association Sport has carried out its own winter warmers survey. Press Association
Southwest Washington on Friday appeared to have escaped any wildfires caused by overnight thunderstorms.Three lightning strikes hit the Gifford Pinchot National Forest sometime after 3 a.m., but there were no fires reported, forest spokesman Chris Strebig said.An employee at the Department of Natural Resources communications center in Castle Rock said no fires were reported in Western Washington, but lands managers are keeping an eye on things because of thunderstorms.Two fires were reported in Oregon’s Mount Hood National Forest — one in the higher elevation area, another in lower elevations, Strebig said.Officials conducted a flyover of the fires Friday morning.Forest officials look ahead when there is the potential for lightning.On Thursday, the fire warning level at the Gifford Pinchot National Forest was raised to moderate.That means people should have a “higher level of awareness and caution,” Strebig said. “You can still have campfires and things like that but you need to be careful.”Officials on Thursday also raised the Industrial Fire Precaution Level from I to II. That change means chain saws may not be run between 1 and 8 p.m., when temperatures are at their peak and there is less moisture in the air.