...Michigan Columbus Credit Union Lisa Flanigan Courtney Johnson Mary Smith-Biles Todd Buchanan Madonna University MKT 6210 Table of Contents Introduction Page 3 Brand Building Page 8 The Numbers Page 11 Conclusion and Marketing Ideas Page 22 Bibliography Page 24 Introduction by Lisa Flanigan Credit Unions are not-for-profit financial institutions that are owned by all of its members. The focus of the credit union is to help its members save, borrow, and receive affordable financial services. One way is by offering higher interest rates on savings accounts which can be important to people in general but also to the young population who are just starting to save for college or some other long term item such as a car. Typically, credit unions charge lower fees compared to banks and provide credit at competitive rates. Like any other business, Credit Unions must have enough income/ assets to cover expenses related to running a business or risk the possibility of becoming insolvent. Lending money to members is a source of income for credit unions. When borrowers default on this lent money, this puts a credit union at risk and causes tougher rules on responsible lending. They are also known for providing service at the personal level by helping their members plan for the future. The first credit union was founded in southern Germany in the year 1864 by...
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...Nora Roberts Istinite laži Prolog Nekako, s ponosom i uţasom istovremeno, uspela je da podigne bradu i potisne muĉninu. Ovo nije košmar. Nije mraĉna fantazija koja će nestati s dolaskom zore. Ipak, kao u snu, sve se odvijalo sliĉno usporenom filmu. Probijala se kroz gustu vodenu zavesu iza koje je videla lica ljudi oko sebe. Oĉi su im bile gladne; usta su im se otvarala i zatvarala kao da će je celu progutati, a glasovi su im se utišavali i oticali poput talasa koji udaraju o stenu. Srce joj je poĉelo snaţnije i upornije da lupa, kao ţestoki tango unutar njenog sleĊenog tela. Nastavi da se krećeš, nastavi da se krećeš, zapovedao je mozak njenim drhtavim nogama dok su je ĉvrste ruke gurale kroz gomilu ka stepenicama sudnice. Oĉi su joj zasuzile od jakog svetla, pa je potraţila naoĉare za sunce. Pomisliće da je plakala. Neće im dopustiti da iskoriste njene emocije. Tišina će biti njen štit. Spotakla se i u trenutku osetila paniku. Brzo je naredila sebi da ne sme da padne, jer desi li se to, reporteri i radoznala masa će skoĉiti na nju, reţeći i škljocajući foto-aparatima. Rastrgnuće je kao divlji pas zeca. Mora da se uspravi, da stoji iza svoje tišine još nekoliko metara. Toliko je nauĉila od Iv. Pokaži im da si pametna, devojko, ali nikad im ne pokazuj da se plašiš. Iv. Došlo joj je da vrišti. Da prekrije lice šakama i da vrišti sve dok ne izlije sav bes, strah i tugu iz sebe. VreĊala su je pitanja koja su novinari dovikivali. Mikrofoni su joj boli lice poput smrtonosnih...
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...markoradja@gmail.com 1. Koji od virusa hepatitisa NIJE RNK virus a) virus hepatitisa A b) virus hepatitisa B-točno c) virus hepatitisa C d) virus hepatitisa D e) virus hepatitisa E 2. Endometrioza se najĉešće javlja na: a) peritoneumu b) jajniku-točno c) rodnici d) cavum Duglasi e) jajovodu 3. Koji od simptoma GERBA NIJE simptom alarma a) Gubitak tjelesne teţine b) Anemija c) Krvatenje d) Debljina-točno e) Disfagija 4. Za terapiju nekompliciranog cistitisa kod mlade spolno aktivne ţene odluĉiti ćete se za: a) Amoxil 3x1/10 dana b) Nolicin 2x1/ 7 dana c) Sinersul 4 tablete jednokratno-točno d) Novocef 500mg 2x1/5 dana e) Klavocin Bid 1gr. 2x1/7 dana 5. Što NE spada u stara dobra iskustva a) Ono što ţelimo postići treba biti povezano s onim što je aktualna ţivotna potreba i ţelja obitelji b) Neke je ciljeve lakše postići neizravno nego izravno c) Bolje je osigurati uvjete nego poduĉavati o potrebi d) Uvijek moramo čekati da obitelj zatraži pomoć,ne odlazimo ih posjetiti kod kuće da ne narušimo obiteljsku intimu- točno e) Metoda treba biti prilagoĊena situaciji 6. Za POLIVALENTNU grupnu praksu sve je isti OSIM: a) prostor b) raspored organizacije rada c) vrsta stručne osposobljenosti d) financije i poslovanje e) odgovornost za pacijente 7. Samo jedno od navedenih udruţenja lijeĉnika bavi se razvojem istraţivaĉkog rada u obiteljskoj medicini. To je: a) WONCA b) EURACT c) EQUIP d) EGPRN e) UEMO 8. Dobar lijeĉnik OM mora imati komunikacijske vještine: 1 markoradja@gmail.com a) b)...
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...British Airways 1 British Airways British Airways IATA ICAO Callsign BA BAW SPEEDBIRD SHT SHUTTLE[1] Founded AOC # Hubs 31 March 1974 441 • • London Heathrow Airport Gatwick Airport Executive Club Concorde Room Galleries First Galleries Club Galleries Arrivals First Lounge Terraces Lounge Executive Club Lounge International Lounge UK and Ireland Lounge Frequent-flyer program • Airport lounge • • • • • • • • • Alliance Subsidiaries Oneworld • • • • 267 169 not incl. subsidiaries and code-shares • • • To Fly. To Serve. Upgrade to British Airways (online marketing) The World's Favourite Airline (former) BA CityFlyer OpenSkies British Airways Limited British Airways World Cargo Fleet size Destinations Company slogan Parent company Headquarters Key people International Airlines Group Waterside, Harmondsworth, England Keith Williams (Chief Executive Officer) Sir Martin Broughton (Chairman) £10.827 billion (2011) www.britishairways.com [2] Revenue Website British Airways (BA) is the flag carrier airline of the United Kingdom and its largest airline based on fleet size, international flights and international destinations. When measured by passengers carried it is second-largest, behind easyJet. The airline is based in Waterside near its main hub at London Heathrow Airport. A British Airways Board was established by the United Kingdom government in 1972 to manage the two nationalised airline corporations, British Overseas Airways Corporation and...
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...Assessment 1 Develop workplace sustainability Questions What are the sustainability issues? Unsustainable activities have led to changes in our environment, or have been identified as having the potential to lead to future changes. The types of changes that are occurring or are predicted to occur form the key issues for sustainability. The following Table 1 provides a summary of the key issues. They are related to changes to the physical and cultural (being the way we live) environments, which in turn relate to the economic environment. What does sustainability mean? Every day we hear the term ‘sustainable’ or ‘sustainability’ being used to describe a large number of issues and news items. There is the ‘sustainable economy’, ‘sustainable agriculture’, ‘economically sustainable’, ‘the need to be sustainable’, ‘sustainable work practices’ and ‘sustainable water supply’ to name a few. The Brundtland Report, Our Common Future, is seen by many as one of the first global reports to address sustainable development. This report defined sustainable development as: “…development that meets the needs of the present without compromising the ability of future generations to meet their own needs.” Brundtland (1987) National strategy for ecologically sustainable development Sustainable Development is defined by the Australian Government’s National Strategy for Ecologically Sustainable Development as: “…using, conserving and enhancing the community’s resources...
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...Media History Contents 1 Introduction 1.1 Mass media . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.1.1 1.1.2 1.1.3 1.1.4 1.1.5 1.1.6 1.1.7 1.1.8 1.1.9 Issues with definition . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Forms of mass media . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Purposes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Professions involving mass media . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . History . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Influence and sociology . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Ethical issues and criticism . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Future . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . See also . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 1 1 2 6 6 7 8 10 10 10 10 11 11 12 12 12 12 16 16 17 17 17 17 17 17 18 19 20 21 21 21 1.1.10 Notes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.1.11 References . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.1.12 Further reading . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1.1.13 External links . . . . . . . . ....
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