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Auto loans: Bread and butter, or hit and miss?

first_imgTo credit unions, auto loans are our bread and butter. We spend a lot of time talking up rates and online loan applications, but if that’s all we’re doing then we’re missing something. We miss the most important part — the member.Where in our messaging do we address the pain points of consumers in the auto buying process? Do we show how we can solve the most pressing problem? It’s not often done. We spend more time talking about the bells and whistles of our product offerings but not nearly enough time, if any, in making the case of how to make car buying as painless as possible. To do this effectively, we must understand the sales process and map the member experience.According to a recent survey from the automotive industry on the typical buying process, consumers first search online and browse dealer inventories on various websites. All inquiries go the dealership and completely bypass the pre-approval process from their primary financial institution. How do we solve this problem for the credit unions we work with? We make our credit unions a part of the buying process. For example, offer an online research tool, such as TrueCar, to help members begin the buying process when they are looking for new transportation. Encourage them, at several points, to investigate what their monthly payment would be. Advise them to get pre-approved for maximum bargaining power even before contacting the dealership. At the credit unions who are doing this, pre-approvals skyrocket ­– as do the loans closing through the credit union instead of through dealership financing.Is it a fluke? No. Is this normal? Yes. Salesforce’s latest “State of Marketing” report surveyed almost 4,000 marketing leaders across various countries. Almost two-thirds of high performing marketers in this survey strongly agree that they have mapped a customer journey strategy as part of their overall business strategy. How does this compare with the underperformers? Only 7% of the underperformers build in the strategy. Likewise, more than 6 in 10 of the top lenders strongly agree that they are actively mapping the customer journey, compared to just 6% of underperformers. continue reading » 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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Chelsea Wilhoite is the GSC Defensive Player of the Week

first_img Share Oct. 30, 2007BIRMINGHAM, Ala. – Outside hitter Chelsea Wilhoite (Fr. / Jacksonville, Fla.) is the Gulf South Conference East Division Defensive Player of the Week. Wilhoite set the tone defensively for the Argonauts, helping them to a 2-0 week and an East Division championship. In a 3-0 win at North Alabama, the freshman had an outstanding defensive performance. She contributed 18 digs on the night, and also collected two blocks. She averaged 4.4 digs per game on the week, and also provided some offensive punch with five kills and no errors.Wilhoite is the seventh different Argonaut to win a Player of the Week award this season. West Florida has won eight awards over the last six weeks, and have landed nine of the twenty awards so far this season. Four times the Argos have had the offensive player of the week, and five times they have recorded the defensive player of the week.Luciana Rapach has twice won the defensive player of the week, and Kimberly Clark has won both the offensive and defensive player of the week awards. Meanwhile, Danielle Spitzer (Offense), Isabela Gualberto (Offense), Madeline Gonzalez (Offense), and Jerica Carter (Defense) each won the award once. No school had ever previously had seven different players win the award.The Argonauts are now 27-4 on the season, and play their final two home matches this weekend. West Alabama visits UWF on Friday at 7:00 pm for Senior Night, and Montevallo takes on the Argos on Saturday at 3:00 pm. West Florida has clinched the top seed in the East Division for the conference tournament beginning Nov. 9th. Print Friendly Version Chelsea Wilhoite is the GSC Defensive Player of the Weeklast_img read more

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Fletcher deal off – Van Gaal

first_imgDarren Fletcher’s proposed move to West Ham is off, Manchester United manager Louis van Gaal has announced. Press Association But Van Gaal appears to think the 30-year-old will remain at United, where he has five months left on his contract. “I think so,” Van Gaal said when asked if Fletcher was likely to stay at United. Fletcher has been at United for 20 years, but his experience has not been enough to earn him a regular first-team place under Van Gaal. The Scot has started just four Barclays Premier League for the Dutchman even though he was named as one of two deputies – along with Michael Carrick – to captain Wayne Rooney at the start of the season. The United boss hopes he can give the midfielder more playing time in the rest of the season. “He is my third captain so it is not a problem for me (if he comes back),” Van Gaal said. “Manchester United just want to help him play more. For him now that is a big pity. “We want to help Fletcher. That is my only concern. I am very happy he is coming back.” Van Gaal claims the Hammers wanted to make the deal temporary, rather than permanent, causing the deal to collapse. “I thought Darren was going to sign a contract,” Van Gaal told BBC Sport. “But at the end they look for a loan and that was not the agreement. “When you allow your player to go to London for the medical, there is no problem. At the end there is no agreement, it is strange. “I don’t know what is happening there but the agreement is different there. On Saturday it is off.” Speaking after West Ham’s 2-0 defeat at Liverpool, Hammers boss Sam Allardyce confirmed the deal had stalled. “Fletcher broke down on negotiations this morning. I really don’t know (what will happen) at this moment in time,” Allardyce said. Fletcher has also attracted interest from West Brom and Valencia. The long-serving midfielder looked set to leave Old Trafford for the Hammers after he had a medical at the London club on Friday. But United boss Louis van Gaal said after Saturday’s win over Leicester that the deal had fallen through after West Ham moved the goal posts. last_img read more

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Houston Baptist’s Vivens and Stephen F. Austin’s Daron Capture Weekly Volleyball Awards

first_imgFRISCO, Texas – Houston Baptist’s Mikayla Vivens and Stephen F. Austin’s Danae Daron are the latest Southland Conference Volleyball Players of the Week, league officials announced Monday. All weekly awards are presented by MidSouth Bank.Vivens offensive efforts lifted the Houston Baptist (14-14, 7-7 SLC) squad to a five-set road victory over Northwestern State (10-13, 6-7 SLC) and 3-1 road-win over Southeastern Louisiana (2-24, 1-12 SLC) last week.SFA employed Daron’s defensive prowess as the Ladyjacks (27-2, 14-0 SLC) kept their unblemished conference record in tact following a pair of four-set wins over Sam Houston State (20-7, 12-3 SLC) and Abilene Christian (13-14, 10-5 SLC).  Offensive Player of the Week: Mikayla Vivens, Houston Baptist– So. – Outside Hitter – San Antonio, TexasVivens posted a double-double in each match leading the Huskies to a pair of huge road wins that lifted HBU back to .500 in conference and overall standings. In Thursday’s five-set victory at Northwestern State, she recorded a career-high 25 kills, hitting .317, and adding 12 digs. In Saturday’s win at Southeastern Louisiana, Vivens posted 20 kills and 10 digs for her league-leading 20th double-double. She has registered at least 20 kills and a double-double in each of the last three matches.Honorable Mention: Samantha Anderson, Central Arkansas; Danae Daron, Stephen F. AustinDefensive Player of the Week: Danae Daron, Stephen F. Austin – Jr. – Middle Blocker – Crosby, TexasPutting up phenomenal numbers on both offense and defense, junior middle blocker Danae Daron helped SFA clinch at least a share of the 2018 Southland Conference title by putting forth one of the best front-row defensive performances in all of NCAA Division I volleyball this season. After notching a career-best three solo blocks in Thursday’s win over Sam Houston State, Daron turned in a career-best 13 blocks — the most in a four-set match by an NCAA Division I volleyball player this season — in the Ladyjacks’ four-set win over Abilene Christian Saturday afternoon. The 13 blocks represent the most by a Southland player this season and the second-most by an SFA player in program history. They also helped SFA extend the nation’s longest winning streak to 24 matches and allowed the Ladyjacks to finish their first undefeated home season since 2005. SFA also leads the Southland in opponent hitting percentage this season while ranking third nationally in that same category.Honorable Mention: Savannah Allen, Central Arkansas; Hannah Lewis, Houston BaptistSouthland weekly award winners are nominated and voted upon by each school’s sports information director. Voting for one’s own athlete is not permitted. To earn honorable mention, a student-athlete must appear on 25 percent of ballots.last_img read more

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