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first_img 8SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr In the purchase mortgage world, a well-established product and service industry, it is not often we get to see a big game-changer come into play. Some previous game-changers are the Great Depression, wars, the arrival of real estate agents, investors, and even the advent of credit unions. Today we are seeing another game-changer that is opening new doors for credit unions—the Internet.Looking at Activity-Based Marketing (ABM), we now know that the current home buyer journey does not begin and end with the loan, or even with the real estate agent, although it may have been the case in the past. The Internet created a positive disruption to an old business model, opening a new path for home buyers to access all the information they need to educate and entertain themselves with real estate—a path that gives them more options and more control.  It became a game-changer because it eliminated the need for a buyer or seller to go to a lender or agent first. Buyers and sellers can now do all their own research and then, when they do want to reach out to someone else, they are much further along in the home purchase journey—and much more informed.Now with buyers going online from the start, anyone with a web presence and some online marketing capabilities can step in and compete for your members’ mortgage business. This includes real estate agents, title companies, insurance brokers, mortgage companies and more. With this new purchase path for buyers, credit unions can no longer wait until the end of the home-purchase cycle to connect with home buyers. Waiting can mean a lot of missed business continue reading »last_img read more


first_imgDES MOINES — A coalition of health groups led by the Iowa Medical Society sent Governor Kim Reynolds a letter earlier this week, urging her to issue a statewide face mask mandate.“We’re optimistic that this increased attention will yield the right results and help move the needle in the right direction,” Dennis Tibben, director of external affairs for the Iowa Medical Society, said during a Radio Iowa interview.Fifteen groups representing 12,000 health care providers signed onto the letter, which was first obtained by The Des Moines Register.“There has been a recent uptick in infection rates and we’re really seeing a shifting in infection from the elderly population to more of those younger folks who are out and about in communities,” Tibben said. “…Our board felt there was really a need to bring greater awareness to this.”The groups say widespread use of face coverings will slow the spread of the virus and save lives. Governor Reynolds has encouraged Iowans to “mask up,” but has resisted a statewide mandate.“In an ideal world, we could go the voluntary route. We’ve been working on public education, as has the state, but unfortunately that message just seems to be getting lost,” Tibben said. “…There’s really just a need for more individuals to step up and do their part to protect their fellow Iowans.”Governor Reynolds and Attorney General Tom Miller have advised local government officials they may require face masks in city and county facilities, but lack the authority to enforce mask mandates on a city-wide or county-wide basis.The number of Iowans hospitalized for treatment of COVID-19 continues to rise. The total number of patients today is 253 according to the state’s website. That’s a dozen more than yesterday and 53 percent higher than it was on June 28.last_img read more