FEMA registration deadline for disaster assistance October 31

first_imgWashington CountyWaterbury Fire Department 43 South Main StreetWaterbury, VT 05676Windsor CountyOkemo Market Place(Between Cool Moose & Dark Side Snowboard Shop)57 Pond Street, Suite #4Ludlow, VT 05149Rutland CountyRutland Heart Center1 Commons StreetRutland, VT  05701The DRC hours of operation are 8 a.m. to 6 p.m. Monday through Saturday. For the DRC nearest to your location: (LINK)  *Beginning Friday, Oct 7th, the hours of operation are 9 a.m. to 5 p.m. and closed Sundays; Closed Monday, October 10th for Columbus Day.MOBILE DISASTER RECOVERY CENTER TRAVELING THROUGH  ADDISON AND WINDSOR COUNTIES: The mobile vehicle will provide the phone and computer connectivity for a recovery center.  These centers are staffed with disaster recovery specialists from various federal, state and local agencies and organizations who can answer questions about disaster assistance programs.Addison CountyHancock Town Hall1097 Rt. 100, Hancock 05748Opening noon ‘ 6 p.m., Mon, Oct. 38 a.m. ‘ 6 p.m., Tuesday, Oct. 48 a.m. ‘ 6 p.m., Wednesday, Oct. 5Windsor CountySouth Royalton Journey Church412 S. Windsor St., S Royalton 05068Opening noon ‘ 6 p.m., Thurs, Oct. 68 a.m. ‘ 6 p.m., Friday, Oct. 78 a.m. ‘ 6 p.m., Saturday, Oct. 8 The FEMA registration deadline for disaster assistance for individuals and families, called Individual Assistance, is October 31, 2011. This may include housing repair grants or temporary rental assistance as well as reimbursement for personal property losses.  The designated counties eligible for Individual Assistance are: Addison, Bennington, Caledonia, Chittenden, Orange, Rutland, Washington, Windham, Lamoille, Franklin, Orleans and Windsor.Register online at www.DisasterAssistance.gov(link is external), by web enabled mobile device at m.fema.gov, or by calling 1-800-621-FEMA (3362). Disaster assistance applicants, who have a speech disability or hearing loss and use TTY, should call 1-800-462-7585 directly; for those who use 711 or Video Relay Service (VRS), call 1-800-621-3362.  The only way to be eligible for FEMA assistance is to register with FEMA.Cities and towns must submit Requests for Public Assistance (RPA), which provide reimbursement to repair public infrastructure such as roads and bridges, by October 17, 2011.  The RPA form may be found at http://www.fema.gov/library/viewRecord.do?id=2690(link is external) and be submitted to Alec Partalupi at 802-828-3889 or email alec.partalupi@state.vermont.us(link sends e-mail). All counties in Vermont are eligible for Public Assistance.RECOVERY UPDATE AS OF: CLOSE OF BUSINESS OCTOBER 2, 2011Total Individual Assistance (IA)    Total Registrations:                                                          5,999Total Individual & Households Program  Dollars Approved:                                             $16,399,865Total Small Business Association (SBA)   Loan Amounts Approved:                                $5,936,700Current Deadline for SBA Disaster Economic Injury Loan:                                                June 1, 2012DISASTER ASSISTANCE PROGRAM OVERVIEW·         Disaster Unemployment :  Available to those whose jobs were permanently or temporarily lost due to the disaster, including those who are self-employed. Anyone who lost work and lived, worked, or was scheduled to work in a county that has received a federal disaster designation may apply for benefits by calling the Vermont Department of Labor’s Claim Assistance Line at 1-877-214-3330. The filing deadline for assistance is October 7, 2011.·         Legal Services:  Those facing legal issues due to Tropical Storm Irene may call (800) 889-2047 for free legal advice. Those who qualify for assistance will be matched with Vermont lawyers volunteering their time. Legal assistance may include help with insurance claims, home repair contracts and contractors, replacement of wills and other legal documents destroyed in the disaster and counseling on mortgage-foreclosure problems and landlord/tenant problems.·         Insurance Information: For questions regarding insurance matters, contact the Consumer Services Division at the Department of Banking, Insurance, Securities & Health Care Administration at 800-964-1784 in state or 802-828-3302.·         Making Recovery Affordable:  The U.S. Small Business Administration’s low-interest loan program was designed by Congress to enable those affected by unforeseen catastrophic events to recover with as little adverse impact as possible, whether they are renters, homeowners, businesses or non-profit organizations. Congress has given SBA powerful tools to make disaster loans affordable with low interest rates, repayment terms as long as 30 years, and, under very specific circumstances, refinancing of prior liens.  To ensure that disaster recovery is affordable for each borrower, SBA analyzes the borrower’s monthly budget, determines an affordable monthly payment, then writes the loan for the number of years needed.  This is unlike conventional lenders, which generally set the maturity first and then calculate the payment.  If you are referred to SBA after you register with FEMA, you should fill out the paperwork to see whether the SBA can offer you a loan. If you do not fill out an SBA packet it may close the door to other FEMA grants. For more information, call 800-659-2955 or (800-877-8339) for people with speech or hearing disabilities). Applications can also be downloaded from www.sba.gov(link is external) or completed online at https://disasterloan.sba.gov/ela/(link is external).·         Economic Injury Disaster Loans: The SBA offers these loans to small businesses, small agricultural cooperatives, small  businesses engaged in aquaculture, and most private non-profit organizations. Economic Injury Disaster Loans are intended to help meet working capital needs if you’ve lost business income because of the disaster. The loans are available regardless of whether the business suffered any physical property damage.·         Renters and Homeowners:  may receive grants to replace lost property or if they were displaced from their homes, they may be eligible for funds to help them with temporary rental assistance. These funds are for a limited period until the renter’s previous home is habitable or another permanent rental is found. ·         Housing Hotline:  The state and FEMA have established a toll-free number and a fax number to receive calls from anyone who has housing available to rent or wishes to offer housing at no cost for Vermonters displaced by the flood. The toll-free # is 866-330-5286 and fax # is 540-686-4467.·         Flooded Basements: Homeowners who had basement flooding from Tropical Storm Irene are encouraged to register with FEMA because they may be eligible for grants to cover uninsured damage. In situations where families do not use their basements as an essential living space, the agency’s ability to assist may be limited. However, residents may be eligible for a low-interest disaster loan from SBA to cover what FEMA cannot. (Read More)·         National Flood Insurance Program: State and federal officials are encouraging Vermont residents to sign up for federally-backed flood insurance.  The National Flood Insurance Program offers federally-backed flood insurance to property owners and renters in communities that participate in the program.Ã   Vermont communities that have been ‘sanctioned,’ that is, they have not followed the guidelines of NFIP or have been identified as having a floodplain hazard but have not signed up, have until March 31, 2012 to file a ‘resolution of intent’ to join. Until the resolution is submitted, residents in these sanctioned communities may not be eligible for some FEMA assistance. Communities wishing to sign up can contact the Rivers Program at the Vermont Department of Environmental Conservation at: 802-241-1554 (Read More)LOCAL DISASTER RECOVERY CENTERSApplicants are not required to visit a Disaster Recovery Center (DRC). The DRC is staffed by FEMA, SBA, and other federal and nonprofit agencies. Locations of current Disaster Recovery Centers (DRCs) are:                                        *Notates DRC closingsWindham CountyNelson Withington Skating Rink61 Memorial Park DriveBrattleboro, VT 05301*Closing Oct 4, Tues @ 6pmWindsor CountyThe Rock Church473 Woodstock RoadWoodstock, VT  05091*Closing Oct 4, Tues @ 6pmRutland CountyU.S. Post Office (Upstairs)2046 Route 4Killington, VT 05751*Closing Oct 5, Wed @ 6pmWashington CountyNorthfield Library (Community Room)83 South Main StreetNorthfield, VT  05663*Closing Oct 5, Wed @ 6pmWindsor CountyHartford Fire Department2nd Floor Training Room812 VA Cutoff RoadWhite River Junction, VT 05001*Closing Oct 6, Thurs @ 6pmBennington CountyBennington Fire Department130 River StreetBennington, VT  05201*Closing Oct 6, Thurs @ 6pmWindham CountyDover Town Hall120 Taft Brook RoadDover, VT 05341Caledonia CountyMunicipal Office Building119 Park AvenueLyndonville, VT 05851 Go to 511VT.com every morning and map out road conditions for the trip you will be taking.PRIVATE SECTOR TIP OF THE WEEKThe American Red Cross Ready Rating System helps you analyze your business’ disaster preparednesswww.readyrating.org/Businesses.aspx(link is external)             This E-News Update is created by FEMA’s Private Sector Division.  It includes information on Federal and State resources available to help Vermont business owners and employees recover from the floods caused by Tropical Storm Irene.  We welcome your comments, questions, helpful feedback, heroic stories and suggested topics. Please send emails to Kysa.George@dhs.gov(link sends e-mail) or Leslie.Moore@dhs.gov(link sends e-mail). You can also call the Private Sector Desk: 802-951-2849. See the last section for subscribe/un-subscribe instructions.last_img read more

8 winning strategies for a successful credit union rewards program

first_img 31SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jennifer Kerry Jennifer Kerry is Vice President, Credit Card Services, for CO-OP Financial Services, a financial technology provider to credit unions based in Rancho Cucamonga, Calif. (www.co-opfs.org). Kerry can be … Web: www.co-opfs.org Details Loyalty programs are landing all around us – and some are more engaging to consumers than others. While rewards offerings themselves can vary widely from program to program, according to Andrew Gates, CEO of Azigo, Inc., there are a number of proven best practices every credit union should follow.Implementing these strategies will keep your program on point, helping you realize the member enthusiasm, engagement and long-term loyalty your credit union is seeking. Get in the GameResearch by Rosetta reveals that engaged consumers buy 90 percent more frequently and spend 60 percent more per transaction. They also bring three times the value to a brand over the course of one year.Plus, Gates adds, not having an effective loyalty program can put your entire card portfolio at risk. “Rewards cards are the industry standard, and the competition in this market is fierce,” he said. “You simply have to offer cardholders rewards in order to keep them from being lured away by competitors left and right.” It’s David Vs. Goliath – Think Like DavidWhile the credit industry is dominated by the likes of Chase and Bank of America, Gates reminds credit unions that big banks don’t have all the advantages.“David beat Goliath by leveraging his strengths,” said Gates. “For credit unions, this means cultivating your community ties.”He advises credit unions to get local businesses involved in their loyalty programs. “Even if you don’t have a merchant-funded platform, there are ways to give local merchants access to your base that bring value to your members – and that drive card usage,” said Gates. “Promotions and events involving them that offer exclusive discounts to member cardholders can set you apart and also pave the way to future marketing opportunities.” Enroll, Reward and Consult EmployeesGates notes that program engagement – and assessment – should always start with your own employees.“Make sure your employees carry your credit card, or at least have access to points through an employee incentive program,” he said, adding that the best program feedback – and new ideas – frequently come from within.“So many times, we go into a room full of executives, and they start talking about what the program should look like, and what it should offer,” said Gates. “To get an accurate read on what works and what doesn’t, you need to venture outside the think tank and boardroom.”He encourages credit unions to have employees report on their experiences with the program. “Find out what they like and dislike about other programs as well,” said Gates. “Their insights are valuable and just might surprise you.” Keep It SimpleAccording to Gates, many times when a program is first introduced, members are given clear guidelines on what a “point” equals.“They know, for example, that they get one point for every dollar spent on their credit or one point for every two on debit transactions,” he said. “Then the impulse is to add complexity with things like double points for dining out and triple points for travel.”Gates advises credit unions to make it interesting and have special promotions along these lines, but to keep the program relatively simple and straight forward.“Seasonal promotions, such as summer travel vouchers and holiday spend incentives, ignite member engagement because they are so easy to remember,” he said. “Keep in mind that your goal is to say ‘thank you’ – you are not trying to trick anyone.” Your Best Members Deserve Better RewardsGates encourages credit unions to give their most engaged members more opportunities to earn points. “All members are not created equal,” he said. “Members that have multiple accounts and use your cards the most should receive additional rewards. And you can always set up two rewards programs. The airlines have their programs organized in tiers, and they have been very successful with that strategy.” Offer a Mobile AppGates advises credit unions to make every effort to introduce a mobile app along with the program. “It goes without saying that your members are constantly on their smartphones,” he said. “You can always advance your mobile technology over time to enhance the member experience.” Success Takes Marketing, Marketing, and More Marketing“I can’t emphasize this point enough,” said Gates. “The biggest mistake credit unions make is that they put points on a credit card and think they have a loyalty program. The loyalty program needs your staff, and particularly your marketing department, to rally around it on an ongoing basis.” Be the Kind of Organization That Inspires Member LoyaltyAccording to Accenture, 81% of consumers admit that it is frustrating to deal with a company that does not make it easy to do business with them.“Be in the member service business at all times,” said Gates. “Make sure every connection you have with members is worthy of their loyalty – and then your rewards program becomes icing on the cake.”He continued, “Ultimately, the best way to reward members for their loyalty is to give them your time, expertise and attention, and to help them realize their financial goals and dreams.”last_img read more

Jones, No.11 Texas A&M women beat No. 20 Arkansas 84-77

first_imgLast Updated: 3rd January, 2020 13:11 IST Jones, No.11 Texas A&M Women Beat No. 20 Arkansas 84-77 Chennedy Carter scored 28 points, N’dea Jones and Ciera Johnson each had a double-double, and No. 11 Texas A&M beat 20th-ranked Arkansas 84-77 in the Southeastern Conference opener for both teams on Thursday night. Written By Associated Press Television News Chennedy Carter scored 28 points, N’dea Jones and Ciera Johnson each had a double-double, and No. 11 Texas A&M beat 20th-ranked Arkansas 84-77 in the Southeastern Conference opener for both teams on Thursday night.Jones finished with a career-high 22 points and 14 rebounds and Johnson had 11 points and 10 boards. Kayla Wells added 15 points for Texas A&M.Jones hit a 3-pointer 53 seconds into the game to make it 3-2 and the Aggies (13-1) never again trailed. Carter hit back-to-back 3-pointers and then made a layup to spark a 17-5 run that gave Texas A&M a 12-point lead late in the first quarter and the Razorbacks trailed 44-32 at halftime.Texas A&M has won eight in a row.Chelsea Dungee led Arkansas (12-2) with 20 points — including 12 in the fourth quarter- and Alexis Tolefree scored 18, hitting 6 of 8 from 3-point range. It was Tolefree’s second consecutive game, and third in the last five, with six 3s.Makayla Daniels made a layup to make it 61-all — the first tie since 5-5 — with 6:24 left in the game but Carter answered with a layup to give the Aggies the lead for good. Texas A&M made 15 of 20 from the free-throw line in the final six minutes. Arkansas attempted just 13 total foul shots, making nine.Arkansas had its seven-game win streak snapped.The Razorbacks, who went into the game averaging 9.8 made 3-pointers per game (No. 6 nationally) on 37.6% shooting (No. 20), made 12 of 27 (44.4%) from behind the arc.___More AP women’s basketball: WATCH US LIVE FOLLOW UScenter_img LIVE TV First Published: 3rd January, 2020 13:11 IST SUBSCRIBE TO US COMMENTlast_img read more