Weekend Pick: Creeking Clinic

first_imgAll the best paddlers know that winter boating is well worth the cold water, if only for one major reason – creeking season! Prepare to join the ranks and clean up your skills this weekend with ACA certified kayak and swift water safety instructor Dave Kessmann at his Creeking Clinic this Saturday, January 17, on the Maury River. Dave KessmanDave Kessmann is an American Canoe Association (ACA) certified instructor in both Kayaking and Swift Water Rescue. With more than ten years of paddlesports education, he now bases his work out of Lynchburg, Va., and offers courses all throughout the Southeast and Mid-Atlantic regions.This particular course will focus on the skills and safety measures involved in intermediate and advanced creekboating. The Goshen Pass piece of the Maury River is a classic run for local boaters, and features some of the best Class III and IV creeking in the region. Kessmann will lead boaters down the relatively short 5-mile section, stopping often to share his insights on the surrounding water features and to teach important creeking lessons – including boofing, paddle technique, eddy-catching, scouting, and refined boat control. However, the quality of kayaking on Goshen Pass depends entirely on the water level of the river from rainfall and snowmelt. If Kessmann determines the pass to be unrunnable, he will move the class to the Upper Meadow River in West Virginia, another Class III-IV creeking option.Interested paddlers should contact Kessman via his Facebook page or email at dkessmann@gmail.com for more information and to register for the course. Everyone will need all of their own whitewater equipment and should prepare for cold temperatures with proper layers and drygear. This is not a beginner course, so be prepared for a fun but challenging event! A day on the river with Dave Kessmann will not only leave you exhausted and smiling, but also full to the brim with unmatched creeking experiences and skills for your whitewater future.last_img read more

Spring – A season to change, update, and grow

first_img 12SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Richard Miller Richard joined JMFA after a 23-year career in banking, providing JMFA and our clients with a broad base of management experience in community banking, from chief lending officer to president … Web: www.jmfa.com Details If the signs of spring are signaling you to change, update and grow within your career or community, those same tenets can also bring new value to your organization and its clients. When many of our clients in the past have sought a refreshing and positive re-direction, they’ve succeeded by implementing a fully-disclosed overdraft protection program for their members.ChangeSince overdraft programs are relatively common, change may result more from a supplier perspective than a have vs. have-not program perspective. Ask yourself or your management team some basic questions as you evaluate or seek to improve your operational performance: In terms of revenue, are our program results sluggish, even flat or behind recent years? If so, is it due to decreased use from account holders? And, when considering changes to overall account growth, has there been a decline in fee income per account? Have we been proactive in addressing potential compliance issues? And, how are doing when it comes to interpreting rule changes correctly?Have we settled for a legacy service that was installed years ago? What types of enhancements have been made to track program use and identify areas that may need attention?Are charge-offs on the upswing? If so, is it because members aren’t educated well on how to use the program responsibly? Or, is it because staff is not effectively managing the program?Could our provider easily sell off their software, or, be at risk by not providing a broad array of services? If yes, could we be subject to changes beyond our control or not be receiving proper support?If you find yourself saying yes to any of the above, perhaps it’s time to consider making a change to your current program—or, better yet a new provider.UpdateImplementing changes that bring a fully-disclosed overdraft protection service current is especially beneficial in a climate of political change that can potentially impact regulations. Many organizations have self-managed their programs for years without incident. However, even the most dogged followers can be challenged to maintain compliance, whether changes in the recent past are repealed or repeated to any degree.Regulatory changes often impact processes and procedures, associates, training and members. Accordingly, it’s valuable to employ a program with in-field managers that can assist with both software and soft-skill solutions to improve the way you do business.Whether it’s related to providing compliance guidance and support, maximizing efficiencies or identifying ways to recover lost revenue, a fresh approach can make all the difference. And, having representatives who are responsive and can train or explain changes to your staff can ultimately help provide a seamless experience to your members. And when members feel informed, the likelihood of service utilization and retention is maintained.GrowOrganizations that have committed to providing a consumer-friendly and fully-disclosed overdraft solution often experience renewed internal energy and goal attainment. Staff can take pride in an understandable program that helps solve members’ problems, and those members benefit from a resource that helps resolve a short-term need, cash-flow interruption or checking account error. Aspirational growth is multi-dimensional and should consider:Revenue Non-interest incomeStaff and member satisfactionReg E opt-in ratesInstitutional confidence resulting from a provider’s compliance guarantee or results-driven compensationIf improvements in these areas can benefit your credit union, perhaps it’s time to find an overdraft program provider, one who is stable, innovative, active and connected in their industry, committed to client and member understanding, and has a strong legacy with a complementary service offering.After all, while overdraft protection plans are decades old, they remind us that—like a change in seasons—what is old can be new again.last_img read more


first_imgBY PAUL O’SULLIVAN: About a thousand people turned up outside the Abbey Hotel Donegal Town this afternoon to see off both the senior and minor Donegal GAA teams on their journey to Dublin for tomorrow’s All Ireland Finals.There were nearly as many inside the hotel as outside. The senior team arrived shortly before 12 for their traditional lunch and pep talk.The Ballroom was in complete lock down as Jim McGuinness gave the the panel their last pep talk before leaving Donegal soil. Nothing was left to chance, the room was forensically searched by hotel management and staff insuring strict privacy.Abbey Hotel Manager Danny O Donnell told Donegal Daily: “We left nothing to chance.“We even scanned the trees directly across the river from the hotel on the Bank Walk for any Kerry spies and can assure the people of Donegal none were found.”  COUNTDOWN TO CROKER: PLAYERS GIVEN A ROUSING SEND-OFF FROM THE ABBEY HOTEL was last modified: September 21st, 2014 by John2Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:abbey hotelDonegal Townsend-offlast_img read more