Advocacy training for credit union employees is essential

first_imgWhen the people of the credit union movement stand together, we are most effective. Issues concerning us, our choice to be members of the nation’s credit unions and the unique structure of our chosen financial institutions are a rallying point for a grassroots effort that has historically been one of the most impactful groups in our country.When our people stand together, we lead with a loud voice, and we can change the world. Rallying those voices within the credit union movement is one of the most powerful tools in our arsenal. But exactly how does that happen? It is relatively simple and well worth the effort.Credit unions employees, and their members share a common bond. We call it ownership. When people are educated regarding the credit union difference, they understand that they own something. Ownership fosters a strong desire to protect and preserve. From there, it is a natural progression to engage in grassroots advocacy. The league’s efforts to train and engage advocates can pay off because when we have an issue to support or fight against, their passion drives action.Advocates can and should be everyone in a credit union, from young professionals, to front-facing employees, all the way up to the board, and executive leadership. No one group of employees can drive engagement – again, it’s an ownership question. When we train advocates at our credit unions, we want to focus on the entire employee base, because their passion will mobilize them.So how do leagues train grassroots advocates? It starts with understanding what it truly means. Making a heart connection helps illustrate the very definition of the words grassroots advocate. Simple questions about their children and families are very effective. When employees think about the people they care most about – their families – their inner advocate rises up. People would do just about anything to ensure and protect their children’s safety, education, activities and so on – it’s a similar picture to paint for advocacy. Ownership. When someone understands they have ownership, they tend to invest in something one hundred times over.In training advocates, once they grasp the ownership piece, the rest can fall in place fairly easy. Defining the process of what an advocacy program is, and the very definition of power to display the size of our movement, helps paint the picture of how we as owners have the right to speak out, stand up and defend our movement. It’s very empowering.Grassroots advocacy programs and engaged credit union employees and members are our most effective means to educate, communicate & mobilize our power to shape public policy. With a proactive and aggressive grassroots advocacy program, we will be more effective in the legislative & political arena. Effective programs illustrate membership by congressional district and use data to help impact legislative relationships.To be most effective, any grassroots program needs buy in from the top. Management at the credit union needs to take ownership and have a belief in the credit union movement. This allows key personnel to be point persons within credit unions and help communicate action items, relay information and help mobilize when needed. Our people are our power. Training and engaging them is critical to the success and growth of our movement.The Mountain West Credit Union Association is a proud partner of the AACUL League System engaging best practices and collaboration between state and regional credit union leagues and associations. 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Scott Earl Scott Earl serves as the president and chief executive officer of the Mountain West Credit Union Association. This association is a combined entity comprising the Arizona Credit Union League, the … Web: www.mwcua.com Detailslast_img read more

Lagroon is tops at Salina’s Topless Challenge

first_imgBy Larry Lowrey Jr.SALINA, Kan. (July 4) – By his standards, Corey Lagroon was struggling coming into Friday night’s Topless Challenge at Salina Speedway.Lagroon has finished consistently near the front almost every single night. But the former IMCA Xtreme Motor Sports Modified track champion is out to win and victory lane had avoided him all season long.Until Friday evening, that is.Lagroon took the lead away from Danny Morrison Jr. on the fifth lap and led to the finish, earning $1,000 and a spot of the Fast Shafts All-Star Invitational ballot. Morrison and Josh Blumer led the topless field to the green flag. Morrison got the jump at the start but Lagroon made all the right moves as he got by Morrison. As he completed the pass, it was evident this was going to be Lagroon’s night. He checked out once in the lead while the crowded tussle for second continued behind him.Morrison held on for second while Mike Petersilie finished third. Point leader Joe Cleveland and Jesse Richter rounded out the top five.Tyler Frye raced from 12th starting to win the Karl Chevrolet Northern SportMod main.Leader Nate Ginest fended off all challenges until Frye made his move on the white flag lap. Fireworks on The Fourth followed the fourth annual Topless Challenge. Feature ResultsModifieds – 1. Corey Lagroon; 2. Danny Morrison Jr.; 3. Mike Petersilie; 4. Joe Cleveland; 5. Jesse Richter; 6. Clay Sellard; 7. Scott Brown; 8. Corey Burch; 9. Brian Knoell; 10. Josh Blumer; 11. Shannon Johnson; 12. Jason Caldwell; 13. Cliff Shepard; 14. Larry Sutton; 15. Heath Myers; 16. Kenny Sweet; 17. Justin Jurgens; 18. Craig Colgin. Northern SportMods – 1. Tyler Frye; 2. Clay Money; 3. Greg Metz; 4. Nate Ginest; 5. Daniel Gottschalk; 6. Marlin Farr; 7. Kurtis Pihl; 8. Mark Franklin; 9. Josh Appel; 10. Chad Markley; 11. Taylor Metz; 12. Jeremy Sigler; 13. Kamren Gruber; 14. Tyler Post; 15. Don Morris; 16. Jeff Olson; 17. Fred Traskowsky; 18. Hunter Cantrall; 19. Brenden Damon; 20. Austin Carter.last_img read more

Boyan & Tzvetomir Naydenov, efbet: For the love of sports

first_imgShare Close-knit brothers Boyan and Tzvetomir Naydenov founded the efbet sportsbook back in 2006 alongside their father Stefan. We sat down with both of them to discuss how a ‘love of sports’ has driven the development of the family-owned business ever since.Keep reading to find out how the efbet launch came about, why it quickly became apparent that online betting was the future, how they have assessed the potential for markets outside of Bulgaria and what might be the next ‘big thing’ for the industry.Laying the foundationsSBC: How and when did you create efbet?Tzvetomir: We’ve been in this business, and in sports betting, in particular, even before 1990. It all started with our father and Toto 1. I remember he had a notebook where he would keep stats of English teams from the first, second, third, and fourth leagues.The notebook got renewed with each new season. You could find it all in the notebook: when the home team won it was highlighted with a black marker, a draw with a green marker, while the losses- regardless if fore the home team or the away team were marked with red.Losing game streaks, streaks without a draw or without wins were all kept track of. There were no odds back then and there was just a total of 13 matches played on Friday, Saturday, and Sunday, while a mid-week game was just 10 matches. Today you have bets at every moment and every day.Boyan: Yes, that was the beginning. We first created Eurofootball, while in 2006 we started efbet. It was the two of us, together with our father. Today we have more than 1200 employees.SBC: Why did you choose this business?Tzvetomir: Having played Toto 1 all your life, there would be no other business to choose from.Boyan: It’s genetically inherited. (laughs)Tzvetomir NaydenovTzvetomir: During weekends, there were only friendly bets, matches, and watching live FC CSKA games. On Saturdays we would place our Toto bet and go to the stadium. There was a game of ‘Write, write’ that was played a lot. It involved betting ‘virtual money’ and people would make friendly bets with my father for 10 or 20 Leva.Here’s how it went: the complete combination of 13 games and their outcomes would be equal to a bet of a few thousand leva (a single combination cost 10 stotinki/ 0.1 Leva) and since no one would possess that much money to place such a bet with the Toto, people would make a 10 leva bet with our father.Their predictions, which could hold one, two or three single outcome bets, or one or two double outcome bets, combined with all of the rest of the game outcome combinations (that would normally cost 1 300 leva), would be enough to return the initial amount bet.If the person got it right, he would win the bet, but if his accumulator would result in the equivalent of 1199 leva or less, my father would win.If CSKA was at home at the ‘Army’ stadium, we would follow the same ritual and first sit in a local restaurant called ‘Under the linden’ (’Pod Lipite’), then go to the game afterwards. It seemed like that was the only restaurant with a charcoal grill in Sofia back then. And it was close to the stadium. On Sundays, we would listen to games. Yes, back then, one would ‘listen’ to the games on the radio.Boyan: Only after we had done our homework first!Tzvetomir: Yes, exactly. And it’s not that different today. We still watch games; we still go to the stadium. We just have the efbet business to run too.SBC: And what is the business like today?Tzvetomir: On the one hand, the business has changed, but from another perspective it seems the same. Today we enjoy the formulas, derivative tables, computers, systems and lots of information. No markers.Back then it was just the BBC – you keep your ears open at 6.55 when you sit next to the radio transmitter and hear quickly the outcomes of games in the four leagues in England. If you miss the opportunity to put down a result, you wait until the sports news at 7.15, or way later at 10.00.Boyan: Yes, so you could notify people about the result of the game.Tzvetomir: We eventually created a telephone line that one could call and listen to a recording with the results. We would note results down on the Eurofootball program and that’s how one would know it all.Boyan: Apart from that, my father would write the programme and the results, and stick it on the ‘Cafe Colombia’ glass.Tzvetomir: Yes, and at the end of the day, you don’t have it much different nowadays – games, bets, and scores following. It’s simply on the internet.Making the move from offline to online SBC: So much of the industry has now moved online; what did it look like when you first got involved, for example in a country such as the UK?Tzvetomir: Those leading the pack were William Hill, Ladbrokes, Coral and Paddy Power. My first trip to England was in 1993 and I went to a great deal of shops in order to get a sense of how things ran there and what are our common characteristics. It’s the same like this nowadays – I do the same when I travel abroad, I go to the shops and see how we fit compared to the competition.Boyan: Honestly, I believe back then we were on the same level with the players in England, although one must take into account the fact that betting was already a well-established industry over there.Tzvetomir: Yes, but they did operate with a different philosophy. They did not use a coding system, they rather scanned the bet slip. That gave you an option to include an unlimited number of games, while in an A4 format you could hardly print out more than 70 games. It’s a physical restriction.Boyan: They used to offer mainly UK games also. At a much later phase, they started offering European competitions. Actually, it all began in England with betting on horses. Football games came a few years after that and people in England were mainly interested in horse and greyhound races.During the 1990s, football would represent around 10% of the English betting market, while in Bulgaria it was 100%. In 1997, OpenBet came along and offered online William Hill bets. In comparison, we only started discussing online sports betting in 2003.Tzvetomir: The first time I saw a live in-game bet being offered was during a match via Stan James on teletext. I don’t even remember the year. One could only bet pre-game and suddenly you had a UK house that allowed betting live with coefficients as the game progressed.Boyan: We were following the developments daily and somehow online betting just came along rapidly. It was simplified and somehow we started convincing ourselves that this is the way to grow.Compared to paper slips, that was definitely the future. With paper slips, you handled three copies – one for treasury, one was used to input the wagers into the system, and one was left with the bettor. Only brought together, could the slip be considered a winner.There are no such things on the internet. You have the platform to do everything for you, so one may simply deposit into their account and start betting.SBC: How would you describe your own transformation from handwritten paper slips to online and in-game betting?Boyan: In 2003, we began talking about how the internet was the future and we would not be left out of it. Especially once you’ve been through the whole process, you can see the difference immediately – you do not bother printing programs, creating slips, double-checking teletexts, radio, and scores.Tzvetomir: Yes, and actually it exploded when mobile phones came along. The PC was really a game changer, but it was either at home or in the office. Now you have your phone with you all the time.SBC: Now that everything’s online, do you think the social element been lost?Tzvetomir: I don’t think so. On one hand, offline betting is still around. If you want to socialise, you go to the shop. On the other hand, one could always sit at a sports bar, have a beer and bet via a mobile device.Boyan: I believe the period of the so-called ‘online loneliness’ was short because, once the mobile devices came along, it started giving people social communication via applications.There were no such things back in the days: you would go to a café to meet new people and hang out with friends. Now, the mobile device can keep you connected to everyone. No need to go to the shop because betting is available from any location. The lack of social elements gets compensated quickly.Tzvetomir: In 2006, we obtained one of the first online licences in Malta, while the first online licence for Bulgaria was ours in 2013.Keeping it in the familySBC: Is it difficult to work for a family-owned company?Tzvetomir: There have been times when we would argue constantly. Some 10 years ago, one of us would declare something in the morning, and the other one would overrule it in the afternoon. Then the first one would return it back in the evening, only to see it overruled again on the morning of the next day. Now, we get along well and we’ve distributed tasks so that we do not go into conflicts.SBC: And what about you, Boyan. Is it easier to run a business with your brother?Boyan: Yes, it’s definitely easier. You can talk about everything.SBC: How do you describe a busy day?Boyan: I honestly cannot remember a day that has not been busy. But my job is my passion. I watch the games on TV, I follow coefficients move, and I try to figure out where I could possibly win or lose.Tzvetomir: I like being in the office on Saturdays and Sundays because finance and administration staff is off and it’s just me and the bookies.Boyan: Not being present in the office does not mean you are not working. I am constantly on the phone and watching the efbet website, coefficients and games. Applications make interactions possible. Via sports betting, one can get involved in his own social network.SBC: What do you love most about your jobs?Boyan: Probably the fact that this isn’t a job for me in the actual meaning of the term.Tzvetomir: Yes, the job is actually part of our life. We’re in the office Monday to Friday. Saturdays and Sundays I travel to the various locations we have across the country, or I am here in the office again. And then you have a new week starting all over.SBC: How would you define your management style?Tzvetomir: Generally, I like listening to what people have to say before making a final decision.SBC: Was your father left to judge, or did he simply have the final say?Tzvetomir: Yes, you could say that he was a fair judge and he prevailed when a decision was supposed to be made two in favour of one!Staying close to homeSBC: What are the specifics of the Bulgarian sports betting space?Tzvetomir: Compared to other countries, Bulgaria is capable of offering easy access to licensing and registration. But it has its peculiarities.Boyan: With sports betting, one does not get involved simply to get a dose of gambling adrenaline or excitement. One must think it through, place a bet, watch the game. It’s a specific customer profile we have here.Tzvetomir: One must be prepared and have his homework done prior to betting. It’s not as simple as just picking up a slip, inputting 1×2 and expecting it to be interesting. It’s good to know the teams, the players, who’s playing, who’s not. It’s a game of skills and that makes it not that accessible.Those that are uninformed do not take part because they don’t have access to the information that would allow them to place bets. On the other hand, we constantly improve our platform and make it easier to use. You actually only need five minutes to learn your way around it and start playing.SBC: Is the platform key to efbet’s success?Tzvetomir: No, it’s a combination of factors. If it was just the platform, then most likely all of the software giants would have been the biggest in the business. Luckily (or not), it’s not just a single element that is driving success. No one can say. Even I could not state what the recipe for a successful sports betting website could possibly be.Boyan: If you’ve noticed, there have been many online sports betting companies that came along and then disappeared throughout the years. Also, many offline companies were unable to successfully shift to the online space.Casting your eyes elsewhereSBC: Putting your home efforts outside, what other markets are you targeting?Boyan: We first had a look at the countries that are nearest to us and have regulated markets: Serbia, Northern Macedonia, Romania, and Greece.SBC: What makes you competitive in these markets, and how do you assess their potential before making your move?Boyan NaydenovBoyan: After looking at geographical locations and the ‘proximity’ factor, other large countries that have a great number of Bulgarians are Spain and Italy – where we just obtained licences. You have business potential in those places because wherever you go, you have to work with a team that is able to take care of your business.There is a large Bulgarian community living in Spain which allows us to rely on a Bulgarian core. Language is still a key factor for communication, even today, and that way you have one problem less. Bulgarians over there adapt quickly and they are also aware of the brand.We also tried to establish efbet in Cameroon as well, largely due to Samuel Eto’o. My brother was in contact with him and they tried working to obtain a licence there. Eventually, we realised that if we were to grow internationally, we needed to start from our neighbouring countries.Tzvetomir: When deciding what country to target, we also look at the market potential. Spain and Italy have huge markets and even if you only settle for a 5 per cent market share – it’s still a lot. We would really love to go to the UK so that we could benchmark ourselves in the sports betting mecca. If you can succeed in the most competitive market, you can succeed anywhere.For the love of sportsSBC: You mentioned your ‘genetically inherited’ love of sports; can you remember a time when sport wasn’t a big part of your lives?Boyan: No, not at all, ever since we were kids and up to this day.Tzvetomir: We graduated from a sports high school. My brother graduated from the National Sports Academy, while I went to the University of National and World Economy afterwards.We never competed against each other because we were in different age groups, but we’ve always been athletes. We practised canoeing. I was better at short distances while he was better at longer ones. We also played football, of course, but not as professionals.SBC: Who is your favourite football team and player?Tzvetomir: CSKA and Emil Kostadinov. My favourite game was the one against Levski, 5:0 with Stoichkov scoring four goals in 1989.Boyan: We attended that game. Our father took us to the ‘A’ seats.SBC: Was your father your sports inspiration?Tzvetomir: No, but he was our CSKA inspiration.Boyan: I got inspired when I was at the 42nd school. Sports scouts would visit the school and look at kids during PE classes. I was asked if I wanted to begin practising athletics and canoeing. I was like ‘What’s a canoe?’ ‘You go to Pancharevo lake and you start rowing in a boat’ was the answer.I decided to give it a try and that’s how I ended up applying at the sports high school with these two specialties. I was a first reserve for the athletics class, while for canoeing I got accepted first.SBC: Do you need sports people in a sports betting team?Tzvetomir: There are plenty of former football players among the bookies. Yet, in order to become a bookie, you need to be smart, have quick reflexes, math and English skills.Boyan: There’s plenty of adrenaline involved in this business, so I would say having experience in sports definitely helps.SBC: As a business, why do you invest in sports? Is it out of philanthropy or is it a marketing tool?Tzvetomir: Philanthropy, marketing, advertising and social responsibility.Boyan: It’s all in one. For the love of sports and football.Tzvetomir: When your whole life has been linked to sports, you feel like you owe something back. Sports has given you a lot, it’s normal to give back.Although I’ve practiced canoeing, football is the sport I watch all the time. I attend practices; I watch juniors and youth play. I used to play a lot back in the days, before I got injured.SBC: How many teams do you sponsor?Tzvetomir: Probably around 150.Boyan: It’s not just football; it’s basketball, and volleyball too, where we support around 125 teams in the name of sports.Tzvetomir: And not just the top teams. Those from the fifth and fourth league, amateurs. We plan on doing something similar in Romania and we are looking for a team we can start supporting. The market there is similar to the one here.SBC: Does an avid sports supporter make a good punter?Boyan: They say sports betting is not only for fans, it’s for all kinds of people. There’s no room for luck, it all comes down to knowledge. You have to know what’s going on, you have to be properly acquainted; you have to have things thought out first, and only then place your bet.Sometimes I’ve observed the opposite – when betting as a fan, you have to eliminate the idea of being emotional and simply make an informed decision.SBC: And do you have to first be a fan to create great products for fans?Tzvetomir: It’s difficult to be successful if you haven’t delved into the problem. And that’s actually how I work too – I completely dive into the matter. I’ve been following the platform ever since day one and I know every last detail of it. And I also know what goes along with it: marketing, advertising, administration, finance, etc.Without knowing all of that, there is no chance to succeed. I don’t believe it’s that easy for an executive coming from another industry simply to begin working in this business. And the opposite is true – I don’t believe I could be so successful if I switched from betting to a whole new industry.Boyan: Most UK bookmakers started off as family businesses. Yes, some did go public, attracted capital, expanded their teams and became multinationals, but that’s completely normal.Looking back and forwardSBC: If you could go back in time and change something, what would it be?Tzvetomir: I would have started the online business earlier. I would have not wasted that much time analysing the trend and simply acted swiftly.SBC: And, finally. What’s the next big thing for the industry?Tzvetomir: The next big thing is esports. Betting on Dota, CS:GO and all the rest. These are still not that popular in Bulgaria. 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Women open PH campaign in 3×3 World Cup with games vs Dutch, Germans

first_imgDon’t miss out on the latest news and information. Winfrey details her decision to withdraw from Simmons film Lights inside SMX hall flicker as Duterte rants vs Ayala, Pangilinan anew Volcano watch: Island fissures steaming, lake water receding Steam emission over Taal’s main crater ‘steady’ for past 24 hours View comments Lacson: Calamity fund cut; where did P4 billion go? Sports Related Videospowered by AdSparcRead Next LATEST STORIES China population now over 1.4 billion as birthrate falls Dave Chappelle donates P1 million to Taal relief operations “This lineup is the best of this era,” said coach Pat Aquino, who has coached National U to five straight UAAP titles. “Everybody is just excited. It’s the first time that we’re in the 3×3 World Cup and we want to show that we belong in this tournament.”The Filipinos open their bid against the Netherlands at 2:50 p.m., before battling Germany at 6:40 p.m.FEATURED STORIESSPORTSGinebra beats Meralco again to capture PBA Governors’ Cup titleSPORTSAfter winning title, time for LA Tenorio to give back to Batangas folkSPORTSTim Cone, Ginebra set their sights on elusive All-Filipino crownAfter a break on Saturday when the men’s team begins its campaign, Aquino’s squad goes up against Spain at 4:20 p.m. on Sunday, before squaring off with third seed Hungary at 7 p.m.“We know the opponents are on another level, but of course we’re hoping that we can also play at their level,” Aquino said. “We’ll try to show the Filipino brand of play. With a bit of luck and puso (heart), we can get that quarterfinal spot.” Made up of what its coach said as the best players of this era, the Philippines hopes to create a ripple as it makes its debut in the women’s division of the Fiba 3×3 World Cup on Friday at Philippine Arena in Bocaue, Bulacan.Jack Danielle Animam, Afril Bernardino, Gemma Miranda and Janine Pontejos aim to seize their moment on the world stage as they begin their campaign in Pool D of the 20-nation tournament ruled last year by Russia in Nantes, France.ADVERTISEMENT Belingon, Nguyen to tussle for ONE interim bantamweight title Jiro Manio arrested for stabbing man in Marikina MOST READ Jury of 7 men, 5 women selected for Weinstein rape trial Only the Top 2 teams from each of the four brackets will advance to the knockout stage set on Tuesday.“We have been practicing for the last three months,” Animam said. “We will be a surprise for everyone.”Meanwhile, Gilas Pilipinas team manager Butch Antonio confirmed that Christian Standhardinger will play on Saturday when the men’s team opens its bid against Brazil and Mongolia.Standhardinger is nursing an inflamed knee, but Antonio said on Thursday night that the San Miguel Beer rookie has been given the green light to play alongside Roger Pogoy, Troy Rosario and Stanley Pringle.ADVERTISEMENT Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player awardlast_img read more