Marketing strategies for your credit union’s 2019 roadmap

first_img continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Many credit unions have the best of intentions to create and launch amazing marketing campaigns, but when things get busy throughout the year, marketing is oftentimes the first thing to fade into the background. Now that 2019 is almost here, it’s time to start planning for next year’s marketing initiatives. If your credit union finds that marketing gets pushed off to the side each year, it may be more effective to commit to a few key elements rather than creating an exhaustive plan that will be difficult to manage. Here are 3 key items that will give your credit union the most bang for its buck next year.Improve Digital Advertising and FintechPaid ads are one thing that credit unions have been slow to embrace. Last year just 27% of credit unions claimed that digital marketing was a key part of their strategy, compared with 63% of larger financial institutions. The hesitation to invest in digital advertising is partially due to the uncertainty of its value and return on investment, although, the recent analytics don’t lie. This year, credit unions are expected to increase their marketing budget for digital advertising to better align and compete with the rest of the industry. Now, with targeted advertising and filters that allow credit unions to narrow their scope and better reach their audience, it’s no surprise that they are increasing their spend in areas such as Google Ads, Facebook ads, and more.last_img read more

Evolution by Gene Duplication Falsified

first_imgA common hypothesis in evolutionary circles is evolution by gene duplication.  It posits that duplicated genes are free to evolve new functions without affecting the primary gene.  This idea has been dealt a serious blow by a paper published in Complexity on Dec. 22.1    Joseph Esfandiar Hannon Bozorgmehr first dealt a falsifying blow to natural selection as a creative force for genetic information:Research into the evolution of genes has shown that the peptides they code for are of a finicky and precarious nature, both marginally stable and prone to aggregation.  Protein folding happens to be a highly complex and synergistic process, involving a number of epistatic relationships among many residues.  This phenomenon, compounded with the issue of interactions between protein molecules, can significantly complicate adaptive evolution such that in the majority of cases the overall effects on reproductive fitness are very slight.  Many arguably “beneficial” mutations have been observed to incur some sort of cost and so can be classified as a form of antagonistic pleiotropy.2    Indeed, the place and extent of natural selection as a force for change in molecular biology have been questioned in recent years.  Detecting the incidence of any beneficial substitutions in genes has so far relied on statistical inferences as empirical evidence is less readily available.  In many instances, nonsynonymous changes and shifts in allelic diversity may be induced by factors that can serve to imitate selective effects—biased gene conversion, mutational and recombinational hotspots, hitchhiking, or even neutral drift being among them.  Moreover, several well-known factors such as the linkage and the multilocus nature of important phenotypes tend to restrain the power of Darwinian evolution, and so represent natural limits to biological change.  Selection, being an essentially negative filter, tends to act against variation including mutations previously believed to be innocuous.That’s right out of the starting gate in this paper.  What about gene duplication?  Isn’t evolution free to “tinker” with the copy (paralog) without affecting the function of the original?  The idea that natural selection is more permissive with duplicated genes was analyzed by Bozorgmehr.  Then he examined the best examples presented by evolutionary biologists.  For a duplicate to be preserved at all, rather than eliminated by negative selection (also called purifying selection), it must provide some benefit:Were selection to be completely relaxed and any manner of changes permitted, this would only serve to guarantee complete degeneration.  It would invariably lead to the introduction of null and nonsense mutations, scrambling the open reading frame (ORF), and degrading the cisregulatory elements involved in transcription—leading to the gene’s pseudogenization.  Thus, a measure of purifying/stabilizing selection seems necessary for duplicate preservation, and any evolutionary divergence would proceed under a relaxed regime rather than none at all.His primary purpose was to see if novel genetic information can arise by gene duplication.  He first defined information in functional terms (contra Shannon information): genetic information is “The qualitative increase in operational capability and functional specificity with no resultant uncertainty of outcome.”  The paper then described how to test for novel genetic information, described the way evolutionists believe it arises in duplicated genes, and looked at the best examples cited in the literature.    When citing one case, he stated a principle Darwinians need to keep in mind: “A key problem associated with the Darwinian mechanism of evolution is that many of the putative incipient and intermediate stages in the development of a biological trait may not be useful themselves and may even be harmful.”  Finally, the author spent a paragraph on “de novo recruitment without duplication”; i.e., the emergence of new genetic information out of the blue.  “This represents a return to the idea of the hopeful monster at the molecular level,” he said of recent attempts to revive Goldschmidt’s long-discredited hypothesis (cf. 02/24/2010).  After looking at the examples, he said, “de novo recruitment of noncoding DNA would seem extremely improbable and implausible.”    In conclusion, he noted that accidental gene duplication clearly adds to the size of some genomes.  “However, in all of the examples given above, known evolutionary mechanisms were markedly constrained in their ability to innovate and to create any novel information, he said.  “This natural limit to biological change can be attributed mostly to the power of purifying selection, which, despite being relaxed in duplicates, is nonetheless ever-present.”  He allowed that subfunctionalization (division of function between copies) might act in some cases, but that, too, provides no new functional information (cf. 10/24/2003, 07/26/2006, 10/17/2007).  Then he examined cases of co-option cited by Darwinists, but found, again, that “a proclivity toward functional stability and the conservation of information, as opposed to any adventurous innovation, predominates.”    In short, neo-Darwinism fails by both natural selection and tinkering with duplicate genes.The various postduplication mechanisms entailing random mutations and recombinations considered were observed to tweak, tinker, copy, cut, divide, and shuffle existing genetic information around,but fell short of generating genuinely distinct and entirely novel functionality.  Contrary to Darwin’s view of the plasticity of biological features, successive modification and selection in genes does indeed appear to have real and inherent limits: it can serve to alter the sequence, size, and function of a gene to an extent, but this almost always amounts to a variation on the same theme—as with RNASE1B in colobine monkeys.  The conservation of all-important motifs within gene families, such as the homeobox or the MADS-box motif, attests to the fact that gene duplication results in the copying and preservation of biological information, and not its transformation as something original.His ending paragraph is like a good-news-bad-news joke on neo-Darwinism.  Good news: “Gradual natural selection is no doubt important in biological adaptation and for ensuring the robustness of the genome in the face of constantly changing environmental pressures.”  Bad news: “However, its potential for innovation is greatly inadequate as far as explaining the origination of the distinct exonic sequences that contribute to the complexity of the organism and diversity of life.”    So what comes next after neo-Darwinism’s demise?  He didn’t offer a replacement evolutionary theory, but warned that any new contender must think holistically about the cell (cf. 04/02/2008).  “Any alternative/revision to Neo-Darwinism has to consider the holistic nature and organization of information encoded in genes, which specify the interdependent and complex biochemical motifs that allow protein molecules to fold properly and function effectively.”  None of the 95 references in the paper referred to intelligent design or creationist sources.1.  Bozorgmehr, “Is Gene Duplication a Viable Explanation for the Origination of Biological Information and Complexity?,” Complexity 22 Dec 2010, DOI: 10.1002/cplx.20365.2.  Regarding pleiotropy, see 01/17/2005, 10/17/2007 bullet 3, 11/03/2008, 04/02/2008, and 04/12/2006.  Regarding antagonistic pleiotropy, see 09/30/2010 and 06/30/2009, 03/17/2003.  Regarding epistasis, see 10/17/2007 bullets 3-4, 12/14/2006 and 10/19/2004.Whew.  Now that that’s over, it’s time to clean up the mess left by the Darwin Party parade.  Don’t let any new usurpers in the lab who don’t understand biological information and the holistic nature and organization of information encoded in genes.  Scientists need to learn from their mistakes.  They haven’t learned yet.  Evolution has been falsified many times before (e.g., 10/19/2004), and yet the myth goes on.    Bozorgmehr did not refer to intelligent design, and did not cite any ID sources, but arrived at the same conclusions about the natural limits to biological change that creationists and ID advocates have been preaching for decades.  This indicates that common sense and honest evaluation of the facts falsifies Darwinism without reliance on religious or creationist sources.  (Where ever did anyone get the idea that informational codes could arise, or have any meaning, apart from intelligent design?)(Visited 66 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

StarStudded Concert To Benefit Kate Winslets Golden Hat Foundation

first_imgPBS composer Tim Janis will bring together some of today’s most beloved female artists to celebrate and foster awareness of those living with autism on Friday, November 30th at Carnegie Hall, by benefitting Kate Winslet’s Golden Hat Foundation.Grammy award-winner Sarah McLachlan, internationally acclaimed singer/song writer Loreena McKennitt, multi-platinum selling Irish singer Andrea Corr, and classical crossover sensation Hayley Westenra — who with their profound voices and compelling songs have attracted millions of enthusiastic listeners worldwide — will now lend their support to The Golden Hat Foundation.The Golden Hat Foundation is committed to eliminating barriers for people with autism and creating an environment that celebrates these individuals as intellectually capable.Additional special guests include the new hit sensation Sleepy Man Banjo Boys, Dawn Kenney, and Amy Petty.Tickets for Tim Janis American Christmas Carol will be available via CarnegieCharge at (212) 247-7800 and at www.carnegiehall.org starting September 28th at 11am. All ticket proceeds will be donated to The Golden Hat Foundation.Source:PR Newswirelast_img read more

The Government has Vested Interest in the Sustainability of the Nursing Workforce

first_imga Facebook Twitter Google+LinkedInPinterestWhatsApp#Bahamas, November 13, 2017 – Nassau – Minister of Health the Hon. Dr. Duane Sands said being fully cognizant of the value of Nurses, and the essentials of having a strong, viable complement of nurses and nursing professionals, The Bahamas Government has a vested interest in the sustainability of the Nursing workforce and the advancement of the Nursing profession.“Therefore, The Bahamas Government is presently placing as a major priority, focus on areas of career paths, salaries and improved working conditions as a means to retain and increase the employ of trained nurses,” Dr. Sands said during the Nurses’ Association of The Commonwealth of The Bahamas (NACB) 40th Annual Educational Conference held at the School of Nursing and Allied Health Professions, Grosvenor Close Campus, November 9, 2017.He also noted that focus is being given to the training and education of nurses, for increased scholarship opportunities and stipends for nursing students, support for specialised post-basic nursing programmes and advanced training of nurses.“With the mobilisation of these initiatives brought forward by my Ministry, I can say with confidence, this Government is committed to offering its support [of] these initiatives which will optimistically retain our Nurses and buoyantly enhance the recruitment process.“Doing so will also provide the necessary support to nurses bringing about a greater awareness and recognition of the value of Nurses in our society.”Dr. Sands said during his term in office, he will seek to further the Government’s commitment to advancing the Repeal of the Nurses and Midwives Act, which will allow for nurses to practice to the fullest extent of their education, training and expertise, thus strengthening the country’s ability to provide improved access to high quality, easily affordable, modernised health care services for the people of The Bahamas.The Health Minister said that he wished to publicly applaud the innovativeness of the NACB for having a sustained annual educational forum, which is geared towards achieving its mission – “to promote the highest standard of nursing practice, encourage professional and educational advancement for nurses, and to ensure that all people irrespective of their nationality, race, colour or social origin may have optimal nursing care.”He said, “Many will agree that Nurses are indeed ‘Champions for Health’ as they play a vital role in the delivery of quality health care service to the citizens and residents of The Bahamas.“As a physician, I can personally attest to the quality of Nurses here in The Bahamas and rank them as ‘Champions’ as they are some of the best in the region.”He said this proven fact is evident as the nation’s neighbours in the North are aggressively recruiting Bahamian Nurses as a result of their qualifications, high level of expertise and world-recognised competence, which stems directly from the vigorous, but excellent training programme at the School of Nursing and Allied Professions.The Health Minister also noted that The Bahamas can boast of being on a steady trek to health care excellence having achieved many gains in the delivery of quality health care over the past 40 years most of which came as a result of the work and leadership of Nurses.“Most recently, Nurses to their credit, played an intricate role with the implementations of the Direct Observation Treatment Shot Course (DOTS) Programme, the mother-to-child transmission of Human immunodeficiency Virus (HIV), and the Expanded Immunisation Programme.”He added, “Nurses also provided much-needed guidance in the development of other maternal and child health programs that are ongoing in a number of our public health institutions.   The success of each of these programmes is definitely attributed to the contributions of Nurses.”By: Llonella Gilbert (BIS)Photo Captions:Header: The Minister of Health Dr. the Hon. Duane Sands brings remarks at the Nurses’ Association of The Commonwealth of The Bahamas (NACB) 40th Annual Educational Conference held at the School of Nursing and Allied Health Professions, Grosvenor Close Campus, November 9, 2017.   (BIS Photo/Kristaan Ingraham)Insert:  The Nurses’ Association of The Commonwealth of The Bahamas (NACB) held its 40th Annual Educational Conference at the School of Nursing and Allied Health Professions, Grosvenor Close Campus, November 9, 2017.   (BIS Photo/Kristaan Ingraham) Facebook Twitter Google+LinkedInPinterestWhatsAppcenter_img Related Items:last_img read more

Sumatra earthquake mysteries examined

center_img Citation: Sumatra earthquake mysteries examined (2012, May 11) retrieved 18 August 2019 from https://phys.org/news/2012-05-sumatra-earthquake-mysteries.html More information: A Rogue Earthquake Off Sumatra, Science DOI: 10.1126/science.1223983AbstractA magnitude 8.6 strike-slip earthquake within an oceanic plate raises fundamental questions about earthquake physics. © 2012 Phys.Org Journal information: Sciencelast_img

Archana could be having an extramarital affair Police

first_imgKolkata: Mystery intensifies in the Ultadanga housewife Archana Palangdar murder case, following the identification process on Friday, after which the sleuths have gathered some important clues. According to sources, it is suspected that Archana might have been involved in an extramarital affair that led to her murder.According to police sources, Archana had filed a domestic violence case against her husband Pintu Palangdar and other in-laws nearly three years back. But later she had withdrawn the case. Also Read – Rain batters Kolkata, cripples normal lifeAccording to Pintu, Archana might have been brainwashed by someone and thus she had filed the case. She understood the matter later and withdrew the complaint. But Pintu did not make it clear as to who is that “someone”.Investigators came to know that recently Archana used to spend a lot of time with one of her male friends. However, her male friend could not be traced. Sleuths suspect that this unknown person might be the missing link in the case. On the other hand, police are also searching for clues from the deceased’s family side. A section of investigators suspect that the relationship between Archana and Pintu went bitter since the last few years due to the male friend. Thus, Pintu is also a suspect in this case. Though police are looking at the illicit relationship angle, locals are quite surprised about Archana having an extramarital affair with someone. Archana’s body was found inside a sack near the West Chowbhaga pumping station in Anandapur. One of the security guards spotted the body and informed the Anandapur police station.Primarily, no identification could be found. Later seeing the picture in the media, Pintu identified her. He also informed that his wife had left the house saying that she was going to repair her mobile phone. As she did not turn up till late night, a missing complaint was filed with the Ultadanga police station on Thursday.last_img read more