An 89-year-old widow and former factory girl from Ravensthorpe, West Yorkshire, has left an estate worth £6m. An 89-year-old widow and former factory girl from Ravensthorpe, West Yorkshire, has left an estate worth £6m. Rosa Hargreaves left all her money to her 51-year-old son John. It does not appear that she was encouraged to leave some of her estate to charity. Unfortunately, the Inland Revenue is claiming the full £2.3m in inheritance tax.Mrs Hargreaves’ wealth was based on shares in Glaxo left to her by her husband who died 47 years ago. Advertisement AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 15 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Howard Lake | 11 July 1999 | News A woman of substance About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.
Harvard University will host a University-wide forum on the economy on Tuesday (Oct. 12). The panel will address such issues as the causes of the fiscal crisis, the history of such episodes across the centuries, the long-term effects on employment and prospects for jobs, and policy responses, including changes in regulation and consumer protection.“The Economic Crisis, Two Years Later: A Panel of Harvard Experts” will build on the conversation that took place in the fall of 2008 when students, faculty, and staff gathered in Sanders Theatre to hear from Harvard experts during a period of acute turmoil in the nation’s banking and finance sector.“The global financial situation and our economic future remain vital concerns for all of us,” said Harvard President Drew Faust. “We are fortunate to have on campus some of the nation’s leading scholars in finance and policy, and I am grateful for their willingness to share their thoughts and insights about the current situation and prospects for the future.”As she did two years ago, Faust will moderate the panel, which will include:John Y. Campbell, Morton L. and Carole S. Olshan Professor of Economics and department chair of Economics, Faculty of Arts and SciencesRichard Freeman, Herbert S. Ascherman Professor of Economics, Faculty of Arts and SciencesBrigitte Madrian, Aetna Professor of Public Policy and Corporate Management at the Harvard Kennedy School and director of the social science program at the Radcliffe Institute for Advanced StudyKenneth Rogoff, Thomas D. Cabot Professor of Public Policy, Faculty of Arts and SciencesDavid S. Scharfstein, Edmund Cogswell Converse Professor of Finance and Banking, Harvard Business SchoolStudents, faculty, and staff are invited to attend the discussion, which will begin at 4 p.m. in Sanders. To request a ticket, please visit http://www.president.harvard.edu/info/.
Credit unions are facing several new market realities compelling them to rethink everything from products and services to entire business models. Three shifts, in particular, are commanding attention:Digital Emboldens ConsumersCredit union membership is at all-time highs. The cooperative model and its purpose-driven approach to financial services clearly are resonating with people who want to be known and appreciated by the businesses they choose. Within this contingent, however, are strong expectations for real-time, predictive and hyper-personalized experiences. When they aren’t met, today’s consumer takes swift, decisive action. One in three Americans will consider switching companies after just a single instance of poor service.Making matters even more tenuous, the rise of digital products, platforms and services has emboldened unhappy consumers. Social media allows them to vent frustrations to thousands. Hundreds of options for financial services create a greater enticement to try something new, and sophisticated switch kits make leaving a financial institution easy.Technology Shrinks Barriers to EntryThanks to the emergence of open banking and the explosion of APIs, you don’t need to be a bank to have access to banking consumers. Regulations like the second Payment Services Directive (PSD2), which essentially commands financial institutions to open their data stores to anyone the consumer tells them to, are further thinning the ice of the traditional financial institution-customer relationship.All of this makes it easier to build, launch and scale a business quickly and without a lot of resources. In addition, the proliferation of a fail-forward mindset has changed much of the culture of creation. Because the new methodology dictates a “launch before it’s perfect” strategy, the speed with which consumers are encountering new banking and financial options is incredible. Digital Transformation is Real and Bearing FruitOnce considered a buzz phrase, digital transformation is now believed to be an incumbent firm’s key to survival. Legacy behemoths with years of profitability have invested millions in think tanks and innovation labs; some are even investing in the success of their disruptors. Consumers are beginning to see the results of that investment. User-centric strategies mean more big brands are building – and really using – feedback loops. Digital channels are improving exponentially, as legacy firms figure out how to integrate them seamlessly into the consumer experience. As comfort and delight with these channels and engagements increases, consumers will expect all the brands in their lives to keep pace. In the financial world, consumers already interact regularly with video tellers, virtual assistants, chatbots and other digital banking innovations that make day-to-day financial tasks not only easier, but enjoyable. Credit Unions are Uniquely Positioned to EvolveResponding to each of these market realities will require change. Although change inside most legacy verticals is slow, credit unions are unencumbered by many of the innovation chains that hold back transformation. I can think of at least three ways credit unions are uniquely up to the challenge:Credit union people have an innate desire to serve their members exceptionally well, even when it isn’t easy. Credit union executives and their teams are eager to experiment to learn. Credit union leaders have a passion for knowledge and continuous improvement. The goal is to become great at organizational ambexterity (just a fancy way of saying keep doing what you do best while exploring ways of delivering more value). Here are a few questions to get started:What do we do better than anyone else? How does that competency add value to our members’ lives?How can technology help us deliver that value in an even richer way? What will our members need tomorrow? How can we leverage today’s competency to meet those future needs?By staying true to their roots while also exploring the many transformative technologies and partnerships available to them, credit unions will rise to the challenge of these and other shifting market dynamics. The above is an edited excerpt from the white paper “How Humans and Machines Will Transform the Credit Union Industry,” by Shazia Manus, Chief Strategy & Business Development Officer for AdvantEdge Analytics. To download and read the paper in its entirety, visit cunamutual.com/aea-ai. 15SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Shazia Manus At AdvantEdge Analtyics, Shazia Manus applies a futurist view to the field of analytics, helping credit unions discover new possibilities for exceptional member experiences. Prior to joining CUNA Mutual Group … Web: advantedgeanalytics.com Details
With 4:30 remaining in the first period, Syracuse forward Savannah Rennie passed the puck across the ice to teammate Brooke Avery, who clanged the puck off the top right of the goal post and in to give SU a 2-0 lead. Ninety seconds later, junior forward Sarah Stuehr found herself in the right place at the right time. A shot attempt from teammate Lindsay Eastwood ricocheted off Lindenwood goalie Jolene deBruyn directly to Stuehr, who slid the puck between the legs of Lindenwood’s goaltender and in for her first goal of the season, and second of her career.In seconds, Syracuse (5-7-2, 4-0-1 College Hockey America) took control against Lindenwood (2-10-1, 2-5-0 CHA) with three first-period goals in its eventual 4-1 victory in Tennity Ice Pavilion on Friday night. The Orange has had its share of trouble finishing offensive opportunities this season. In the first nine games of the season, SU only netted 11 goals. Of late, Syracuse has improved its finishing abilities, outscoring its first nine games by a total of seven goals, scoring 18 within its last five matchups.“We are keeping pucks in and sustaining pressure,” said Syracuse head coach Paul Flanagan. “We had a lot of grade-A chances tonight, and (our success) starts with our fore-check.”The Orange’s mindset when it comes to finishing its offensive opportunities and scoring has shifted since the beginning of the season. SU focused its attention on taking higher-percentage shots in Friday night’s victory.“At the beginning of the season, and even last season, we focused a lot on shooting for rebounds,” said SU forward Brooke Avery, “Now we’re really working on our accuracy and shot selection.”AdvertisementThis is placeholder textAvery credited improvement in team chemistry and knowing where teammates will be on the ice to helping SU take advantage of its scoring opportunities.Rennie believes that SU is playing with more of a sense of urgency, and that is a big reason why the Orange was able to score four goals and take further advantage of its scoring opportunities in its victory.“We want to get the puck,” Rennie said. “We want to win the battles, we want to get the puck in the back of the net.” Comments Published on December 1, 2017 at 11:07 pm Contact Anthony: [email protected] Facebook Twitter Google+