Let Yourself Go IN Greater Morgantown, W.Va.

first_imgLoad up, gear down and unwind on the breathtaking country roads of Greater Morgantown–an extraordinary land of natural beauty. Here, high country and mirrored lakes are gifts we call “Almost Heaven.”Your journey through Mountaineer Country is a discovery of hidden gems and once-in-a-lifetime experiences. Start with scenic ride day trips! Our “Veteran’s Memorials” itinerary is 214 miles or 5-1/2 hours of historic cemeteries, a visit to the Greatest Generation War Museum, and a breathtaking view from Cannon Hill, a Civil War historic site.“Covered Bridges” is actually five historic structures, as well as a stop at Valley Falls State Park. As its name implies, you’ll be treated to a series of waterfalls and plenty of places to spread a blanket and picnic in the great outdoors. “Nothing But Curves” is a foodies’ 5-hour, 204-mile joy ride! Your first stop is Monroe’s Deli where healthy dining options and good music are on the menu. More eclectic dining follows: Cool Springs Park includes gas, a restaurant serving foot-long hotdogs, and a farm–all in one place! Little Sandy’s Truck Stop offers homemade food and a full cup of coffee served by a waitress calling you “hon.”Photo: RickBurgessOur “Scenic Beauty” route takes you to Coopers Rock State Park overlook–a breathtaking 1,200-ft. high overlook into a mile-wide gorge. Hikers will fall in love with more than 50 miles of hiking trails, from easy leg stretchers to long day hikes. Your 6-hour road trip also makes a stop at Cathedral State Park, an ancient hemlock forest of majestic proportions. Make time to cool off with a stop at Smoke Hole Caverns, nature’s air-conditioned underground, sitting at a cool 54 degrees year ‘round.July 26-29, Greater Morgantown celebrates “the ride” in a big way with the 14th annual MountainFest Motorcycle Rally. Live national acts include legendary musicians Alabama, Montgomery Gentry and Brett Michaels. Register to win VIP passes at tourmorgantown.com/ride.Greater Morgantown is an exciting American destination with a secret: a wealth of Appalachian culture that is reflected in annual festivals. Save the dates in 2018!The WV Wine and Jazz Festival, Sept. 15-16The Annual Arts Walk is scheduled for Sept. 28The 77th Preston County Buckwheat Festival, Sept. 27-30Homerun and Hops Craft Beer Festival: Sept. 29Mountaineer Week (Fall)For true outdoor adventure, experience the Cheat River. This whitewater splashes over 30 rapids rated Class III or higher and are ideal for kayaking and rafting. Get an unbeatable view from the forest canopy with a flight through the trees on four zip lines that deliver you to a rappelling station.Make sure you make time to squeeze in a wine tasting at Forks-of-Cheat, a locally-owned, award-winning winery.The three Greater Morgantown Visitors’ Centers stand ready to assist with itineraries and overnight accommodations that range from luxury to log cabins, condos and cottages, call 800-458-7373 or visit tourmorgantown.com. For valuable coupons to use during your stay, visit MountaineerDeals.com.last_img read more

Successful social media contests for credit unions

first_img 10SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr With our credit union clients, we always recommend they consider running some social media contests on their various social media platforms, just to get the proverbial “ball rolling.” These contests have ranged from the old-school page-like contests, which are now against Facebook promotion guidelines, to selfie contests, and perhaps even a larger incentive prizes like a paid mortgage for a year!!Here are three specific examples of contests you can implement for your credit union.1. Staff-only page-like contests.These are absolutely the BEST place to begin for many credit unions. We suggest running these internally without a third-party app. The gist of the contest is that you are trying to mobilize your greatest asset, your staff, to promote your new marketing campaign.We’ve had tremendous success with these staff-only contests in the past offering a nominal prize of only $300 cash. You simply send out an email to all staff telling them they will be automatically entered for liking the credit union Facebook page, or following you on Twitter. Then the real kicker is you tell them that for every friend they invite and get to like/follow the page they will be entered an additional time. We’ve seen individual staff members account for upwards of 75-100 new page “likes” in just a matter of days! continue reading »last_img read more

Does a credit union need big data when little data will do?

first_img 41SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Lou Grilli Lou Grilli is a Senior Innovation Strategist. Lou is tasked with building and shaping a superior payment and member experience capability for PSCU and its Owner credit unions. Lou’s … Web: https://www.pscu.com Details Using “Big Data”, that is accessing and cross-referencing the many data troves on credit union members in order to cross sell, has been the subject of many white papers and conferences. Analyzing purchase transaction data, cash withdrawals, ATM transactions, and recent balance transfers can paint a very accurate picture of a member, and help formulate marketing to retain that member and ideally provide additional products. And, there are many success stories of slicing and targeting cross-sections of member demographics to derive offers resulting in take rates that exceed industry averages for cross-sell take rates.But accessing and using big data requires a lot of resources including the analytical tools and reporting software to mine the data, hiring professional staff to perform the analysis, and utilizing consultants for training.  These resources add up to a burden too heavy for many medium- to small-sized financial institutions. However, there are simpler and faster paths that do not require the investment in big data.  A credit union can use “little data” for the same purpose. For example, one credit union had great success by doing two simple queries – members who have a CU-branded credit card, and members who have over $500 ACH pulls or bill pay payments to one of the two very large credit card issuers. Those members who already had a CU credit card were sent a direct offer to make $500 a month in purchases over the next three months and get a large rewards bonus. This was to get the CU’s credit card to move to top-of-wallet. Those who didn’t have the CU’s credit card (and met pre-screen criteria) were also sent a direct mail offer for the CU credit card with an initial bonus offer, thereby doing cross selling. The results exceeded all expectations, and the costs incurred included some direct mail pieces and a few hours of the IT analyst’s time.Another credit union had similar success targeting members who had ACH or bill pay payments made to local utilities that accept credit cards, cross referenced with existing credit card cardholders.  Once the data was compiled, the CU sent a direct mail piece reminding them that rewards could be earned for using their credit for payments they were making already.There are many such “low hanging fruit” to go after with simple tricks and some simple data queries, limited only by the cleverness of the credit union staff to come up with ways to build up the relationship with their members.last_img read more

Fed officials warn on ‘thick fog’ ahead for US economy as recovery concerns deepen

first_imgShe called on the US central bank to commit to providing sustained accommodation through forward guidance and large-scale asset purchases, and said additional fiscal support would be “vital” to the strength of the recovery – particularly with the first round of pandemic economic support programs expiring soon.Since March, the Fed has slashed interest rates to near zero, ramped up large-scale asset purchases and launched numerous other crisis programs designed to grease the US financial system and funnel credit to households and businesses.US coronavirus cases rose in 46 out of 50 states last week and deaths rose nationally for the first time since mid-April, according to a Reuters analysis.The president of the Richmond Fed, Thomas Barkin, warned on Tuesday that US unemployment could rise again as businesses adjust to a recession likely to be longer than first anticipated and initiatives like the Paycheck Protection Program (PPP) expire. The United States economy will recover more slowly than expected amid a surge in novel coronavirus cases across the country, and a broad second wave of the disease could cause economic pain to deepen again, Federal Reserve officials warned on Tuesday.One by one, Fed policymakers have become more downbeat in recent days, resetting expectations on the recovery and cautioning that recent improvements in economic data such as job gains may be fleeting.“The pandemic remains the key driver of the economy’s course. A thick fog of uncertainty still surrounds us, and downside risks predominate,” Fed Governor Lael Brainard said in a speech to a virtual event hosted by the National Association for Business Economics. “A bunch of companies large and small are realizing this is not a two-month issue and recasting their business,” possibly jeopardizing two strong months of job growth, Barkin said in webcast remarks to the Charlotte Rotary Club.Small-business recipients of PPP loans that may have kept employees on to meet the terms of loan forgiveness may now consider laying them off as the program expires and demand remains weak.Robert Kaplan, president of the Dallas Fed, speaking on CNBC, cited “lots of overcapacity in the economy,” which he called “disinflationary.”Fed officials, after initially hoping the virus would be brought swiftly under control in the United States to allow the economy to bounce back quickly, admitted that the forecasts for economic growth made at their last policy meeting in June largely did not factor in the possibility of a second wave.The renewed surge in cases has prompted some states to dial back or pause reopenings at a time when other advanced nations around the world have been able to reopen their economies more sustainably due to successful mitigation strategies.Philadelphia Fed President Patrick Harker, also at the webinar organized by the Fed, said the increase in cases could cause more damage to the economy and to consumer confidence.James Bullard, the St. Louis Fed president, sounded a somewhat optimistic note, saying his base case is the economy continues to grow in the second half of the year, but still offered caution.“The downside risk is nevertheless substantial, and better execution of a granular, risk-based policy will be critical to keep the economy out of depression,” Bullard said in comments to the Economic Club of New York. He expects Congress by the end of the month to approve a “substantial” new fiscal package to keep households and businesses stable.Brainard warned that a broad second wave of infections could even prompt a second dip in activity as well as reignite financial market volatility at a time of greater vulnerability.“Nonbank financial institutions could again come under pressure … and some banks might pull back on lending if they face rising losses,” Brainard said.Topics :last_img read more

House on the river nabs big sale

first_img4 Elderslie St, Annandale sold for $705,000.“The living area, family room, kitchen and master bedroom all look out to the amazing views.”The home has four bedrooms, two bathrooms, two car spaces and an in-ground swimming pool.There is parkland between the home and the river offering privacy.The home also has luxury features including a spa bath in the ensuite. 4 Elderslie St, Annandale sold for $705,000.A RIVERFRONT home in Annandale has recorded the biggest sale in the suburb in nearly a year.4 Elderslie St (pictured) sold last week for $705,000 after the property was listed for sale asking for offers over $700,000. 4 Elderslie St, Annandale sold for $705,000.More from news01:21Buyer demand explodes in Townsville’s 2019 flood-affected suburbs12 Sep 202001:21‘Giant surge’ in new home sales lifts Townsville property market10 Sep 2020It’s the most expensive home sold in Annandale since May last year when 15 Nowranie Court in Annandale sold for $775,000.Elite Properties Townsville principal Glenda Worrall, who sold 4 Elderslie St, said the buyers were won over by the home’s location. “The people who bought it already lived in Annandale and they were going to renovate their house when they saw this property in the paper and came to the open house,” she said.“They fell in love with the location because it has river views.last_img read more

With Brisbane’s unit prices so affordable now might be the time to buy

first_imgHaesley Cush asks if enough people are taking advantage of today’s unit value.Earlier this week one of our agents was talking to me about someone who was looking for a place to buy – so far nothing is out of the ordinary.But what she said next caught my attention. The buyers had two children under 12 and they were looking for a three to four bedroom unit or two units side-by-side that they could buy now and use when their kids want to go to university in six to eight years time.Now that’s forward planning!The buyers were looking at a boutique development called London Apartments in West End. The buyer father is a GP and the family currently lives on Brisbane’s Northside. When I remarked to the agent, Elisa McMahon, that this seemed like awesome forward planning she told me of another Sydney couple who were doing the same thing.She explained that this new trend seemed to be happening for two key reasons.Firstly there was exceptional value in the Brisbane unit market and secondly they were planning early for their retirement.With many people thinking and talking about retirement, it now seems they are thinking beyond the money they’ll need but also to where they will be living.More from newsNew apartments released at idyllic retirement community Samford Grove Presented by Parks and wildlife the new lust-haves post coronavirus20 hours agoHistory is going to show that today’s apartment prices and the exceptional value they represent was a missed opportunity for many locals.The upside of any down market is for the buyer. The oldest investment principle is sell when it’s up and buy when it’s down.So it begs the question, are enough people taking advantage of today’s value? Will our southern neighbours be the benefactors of today’s prices in five years once the new casino has been finished and the occupancy rates reach high levels.Like our buyers for London Apartments, are enough people today giving consideration to where they want to retire.Because if the answer is an inner city unit, then there is probably never going to be a better time to buy than right now.With international and interstate buyers currently buying the majority of Brisbane’s apartments. The trend of Brisbane people buying for the future is a trend that I certainly hope increases.last_img read more

Former PIMCO boss takes aim at ‘high-risk, high-fees’ culture

first_imgThe founder of US bond specialist PIMCO, Bill Gross, is suing the company and its owner Allianz Asset Management of America for $200m (€176m) of bonus payments he alleges he was due, after colleagues ousted him from the firm.In a colourfully worded complaint filed in the California Superior Court in Orange County, Gross’s lawyers express his opposition to the “high-risk, high-fees” approach that had gained ground at PIMCO.The complaint – for constructive termination, breach of contract and breach of covenant of good faith and fair dealing – says Gross was well-known as an advocate for PIMCO’s investors.“He championed reasonable fees for PIMCO’s services and was vocally sceptical inside the firm of a select group of the younger executives’ desire to transform PIMCO into a high-risk, high-fee asset-management company that invested in riskier equities and leveraged real estate investments, as opposed to the stable bonds that built the firm’s reputation,” the complaint said in its introductory paragraphs. According to the complaint, for which a jury trial is being demanded, as long as Gross remained at the company, these younger executives could not transform PIMCO, increasing client risk and their own compensation.Because of this, Gross alleges he was targeted in a power struggle within the company that would eventually lead to his “wrongful and illegal ouster” from the company he founded.PIMCO, according to the complaint, “wrongly and illegally” denied Gross hundreds of millions of dollars in earned compensation.In the complaint, lawyers detail the huge bonus pool amassed at PIMCO to be divided among its managing directors.In 2013, for example, the profit-sharing bonus pool totalled $1.3bn, with Gross – who was entitled to receive 20% of it – given $300m from the bonus pool that year.The $200m he is suing for is equal to the bonus sum he alleges he was due in 2014 but not given because of the precise date of his departure.Gross left PIMCO in September 2014 and joined equities specialist Janus Capital Management.last_img read more

ISP: Altercation led to fatal officer-involved shooting

first_imgBrownstown, In. — The Indiana State Police continue an investigation into an officer-involved shooting Wednesday, outside of the Brownstown Police Department in Jackson County.The initial reports say a male, identified as Barry A. Rucker, age 53, Brownstown, Indiana along with a female arrived at the Brownstown Police Department together shortly after 8 a.m.  Rucker and the female were involved in an altercation outside of the police department which prompted a 911 call from a passerby.  Two officers from the Brownstown Police Department soon arrived on scene.After the officers arrived, an altercation occurred between the officers and Rucker.  During the altercation, Rucker produced a gun, prompting both officers to fire at least one round from their handguns.  Rucker was struck by at least one of the bullets fired by the officers.Deputies from the Jackson County Sheriff’s Department soon arrived on scene and assisted the Brownstown officers in administering immediate first aid to Rucker.  Jackson County EMS arrived on scene and transported Rucker to Schneck Medical Center in Seymour, Indiana where he was soon pronounced deceased by the Jackson County Coroner’s Office.None of the officers or the female acquaintance of Rucker were injured.Detectives from the Indiana State Police-Versailles Post responded to the scene and became the lead investigating agency.Barry Rucker’s family has been notified.The names of the officers involved in the incident will be posted in a future release.The Brownstown Community School Corporation briefly went on lockdown after the incident occurred until it was determined that there was no threat to any of the schools in the district.Streets located near the Brownstown Police Department were blocked off for nearly eight hours while the investigation was occurring.The investigation is ongoing.last_img read more

Remi Garde mulls over Aston Villa’s captain contenders

first_img Villa need a leader to help them claw their way out of danger and Press Association Sport assesses who could be Garde’s skipper at Villa ahead of his first game in charge against Manchester City on Sunday. Brad Guzan Aside from the departed Christian Benteke and Fabian Delph the keeper has been Villa’s most consistent performer over recent seasons. He has saved them countless points and helped keep their heads above the Barclays Premier League water. This season he has not been at his imperious best – a mistake in the 2-0 defeat to Chelsea gifted the hosts their first goal – but he has certainly not been alone. There has been precious little he could have done with most of the goals with Villa’s porous defence parting in front of him. Guzan is certainly a contender and one of the players who has led by example and taken the pressure off the dressing room in public during the last few years. Chances: 7/10 Gabby Agbonlahor The club’s longest-serving current player who has been at Villa Park since 2004 and he captained them at White Hart Lane. Questions, though, have been justifiably raised about his form and quality. He managed just eight touches of the ball in Monday’s 3-1 defeat to Tottenham – two from kick-offs – and was substituted at half-time to underline his lack of impact. He has skippered the side before and remains one of their most loyal players but the forward needs to focus on recapturing his form first before being given the chance to lead the team out again. Chances: 4/10 Micah Richards Villa’s current captain and the likely favourite to retain it but his suspension against Tottenham on Monday saw it pass to Agbonlahor. It will be interesting to see whether the defender wins the armband back against former club Manchester City on Sunday. What could count against him are his actions following the 2-1 defeat to Swansea which triggered his ban. Richards failed to keep a cool head during the game when he clashed with Federico Fernandez and, at the final whistle, let his temper boil over in the tunnel. Villa need to keep their composure during their fight. Chances 8/10 Joleon Lescott He was supposed to be the man who plugged the gap in defence when he signed for his boyhood club in the summer. Instead, he has looked a shadow of the player who helped cement Everton as a top side and won the title with Manchester City. But there is no doubting his leadership qualities and he has the experience to help advise a squad which is chronically low on confidence following seven straight defeats. Villa need to see the real Joleon Lescott and giving him the captaincy could prove a masterstroke from Garde if it inspires Lescott and those around him. Chances: 7/10 Jack Grealish A wildcard pick and perhaps unlikely but the 20-year-old could be a skipper in the making. His form has dipped recently and any talk of an England call up – now that he has declared his allegiance – should be miles away but Grealish has bonded with the fans. He is seen as their great hope and after coming through the academy ranks knows exactly what it means to be a supporter in these desperate times. The captaincy may come around to him eventually and Garde has nurtured young stars in France so Grealish could flourish under him but he will have to prove himself on the pitch first. Chances: 2/10 New boss Remi Garde will know the size of his task at Aston Villa after watching their 3-1 defeat at Tottenham on Monday, which kept them rooted at the bottom of the Barclays Premier League. center_img Press Associationlast_img read more

Video: Woman Pounds Cop with High Heel during Bar Brawl in Miami

first_imgOne of the officers took the man to the ground and his date was upset and started using her purse and high heel to hit the officer.“She was throwing her purse, her heel, everything,” Ramirez told Local 10 News.After the woman smacked the officer with her purse, a different officer pushed her to the ground.She got up, took off one of her high heels and swung it at the officer who shoved her.Witnesses claim two people were arrested, but police have not yet provided any information about the incident. A wild brawl involving Miami police officers and tipsy patrons at a Brickell bar was caught on camera.The melee happened about 1 a.m. Sunday outside Baru Latin Bar in Mary Brickell Village.“We heard a ruckus in the entrance,” Javier Ramirez, who recorded a portion of the confrontation, told Local 10 News. “A gentleman was yelling at one of the bouncers, seemed like he was intoxicated.”Ramirez said the bouncer was trying to remove the man, but the man didn’t want to leave.“The guy kind of, you know, took a swing at the bouncer and, you know, a scuffle broke out and about two or three minutes later the police arrived and that’s when everything broke loose,” Ramirez recalled.Miami shenanigans! #onlyindade pic.twitter.com/rlNhtDjG1Q— javier ramirez (@javie_ramirez7) September 22, 2019last_img read more