Home » News » Marketing » Value of empty homes in the UK is ‘at least’ £2.2 billion, new research finds previous nextMarketingValue of empty homes in the UK is ‘at least’ £2.2 billion, new research findsNearly 280,000 properties are sitting around unused in England, Wales and Scotland says a leading home insurer.Nigel Lewis20th June 201902,831 Views The UK now has 278,000 vacant homes many of which have been unoccupied for more than ten years, it has been revealed.These longer-term empty properties are worth at least £2.2 billion, and this untapped supply of housing is at a seven-year high, says Admiral Insurance.It has unearthed the information by using government statistics and Freedom of Information requests to local authorities.Admiral’s figures also suggest that the government’s attempts to prevent people sitting on empty homes rather than renting them out or selling them is not working.The law was changed recently to enable local authorities to charge an additional 50% council tax on properties that have been unoccupied for more than two years. This was increased in October last year to 100% following an announcement by Rishni Sunak, Parliamentary Under Secretary for Housing, Communities and Local Government.Pretty vacantTen in every 1,000 homes or some 278,018 properties across England, Wales and Scotland are long-term empty, Admiral Insurance found. England has the highest number of long-term empty homes at 216,186 and Wales has the highest proportion at 20 in every 1,000 properties.The region with the highest figure is Cornwall where 25 in every 1,000 homes have been sitting empty for more than ten years.Unsurprisingly, the City of London is the urban area with the highest long-term empty rate at 38 homes in every 1,000; the square mile is a magnet for foreign property investors who often sit on properties rather than rent them out.Admiral Insurance vacant property empty homes June 20, 2019Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles Letting agent fined £11,500 over unlicenced rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021
Professor Foster is the European Director of The International Linear Collider, which had its funding withdrawn in 2008. Major elements of the research for the this project were based in Oxford, but Urner told how the cuts meant that Oxford’s “involvement with this project has been practically taken away.”Foster said, “There is certainly a tendency for specialists to be attracted elsewhere due to better funding opportunities in other countries. This will affect the university as well, as it will mean that leading subjects in Oxford will become weaker.” Armin Reichold said, “When we look at the work of scientists in departments elsewhere, there is a sense that they’ve achieved a lot more because of the better funding. Unlike our projects, they have facilities dedicated to their own research.”Reichold explained how although Oxford has not made any official redundancies, extensions on contracts have been withdrawn and people have left prematurely. “We do our research very efficiently, but with these cuts there comes a point when you can no longer do what you need to do”, he said. Reichold’s own project was recently brought to a halt as a result of reduced funding. He has now been “forced” to work with better financed industrial science projects. David Urner, a department lecturer, told Cherwell that his time at Oxford has come to a “disappointing end”, after he learnt that his contract will not be renewed, and he will be leaving the University permanently later this month. Urner said, “My line of work has essentially been discontinued here as there was not enough money available to continue employing everyone in the department. The people without permanent contracts are the first to go.“Core research should be pushing the boundaries of technology, but now we are reliant on money from commercialisation, which puts constraints on our research. Once the commercial interest dries up, everything stops.”Of Professor Foster’s post offer at Hamburg University, Urner said, “Brian Foster was offered a very prestigious position; him leaving would be a very big loss for the department.”Professor Foster is a Fellow of the Royal Society, as well as Chair of the European Committee for Future Accelerators, and European Regional Director for Linear Colliders Global Design Effort.Joe Phillips, a third year Physicist from Hertford, said, “If the leading experts leave to conduct their research elsewhere, this will have a massive effect on Physics at Oxford, as one of the main attractions is that you are taught by the best in the field.“Oxford is known as having one of the best Physics departments in the country, if not the world, and it would be terrible to lose this reputation through a lack of funding.”A spokesperson from the University Press Office said, “The University’s commitment to supporting the Department of Physics is as strong as ever. Oxford University’s world leading research position is in robust health.”The origin of the cuts can be traced back to December 2007 when the Science and Technology Facilities Council (STFC) announced that it had an £80m budget deficit. It is thought that the deficit emerged through an accounting mistake that was made when the STFC was created by merging two existing councils. Cherwell can reveal that government cuts to scientific research are causing a brain drain in Oxford, as leading Physics professors are increasingly taking up better funded posts abroad. Brian Foster, Professor of Experimental Physics, confirmed that he is currently negotiating the terms of a “very generous offer” to take up a research post at Hamburg University. “My decision is based on prospects for funding; Oxford cannot financially compete with national schemes of this magnitude.”Prof Foster was approached by the Humboldt Foundation, who are funded by the German government, earlier this year. They offered him one million euros per annum to carry out his research, plus a generous salary on top of this. Foster said that this sum is approximately half of what he gets in Oxford to run his entire department.Armin Reichold, a Tutorial Fellow and Reader in Physics at Balliol, revealed, “In the last two years, at least three post doctorates from the Physics Faculty at Oxford have left the country for departments and funding elsewhere, in places like the US, Spain and China.“Other countries such as Germany, France, Japan are making huge investments in research and achieving more.” David Urner, a Physics department lecturer, told Cherwell, “Many people are actively looking for new positions elsewhere; it’s not just the professors who are leaving but the departmental leturers as well. One of my colleagues left a few weeks ago. He liked it here, but he reluctantly accepted a position in France as it was an opportunity for him to continue his work there.”In the seven years that Professor Foster has been at Oxford, he said that the funding has dropped by approximately 50%, and the size of his department is now about half what is was when he arrived in terms of support staff and technicians.Foster said, “If I accept the new research post, the centre of gravity of my research will move to Hamburg, so it will be a loss to Oxford from that point of view”.
× MOCK TRIAL — Pictured are students from the Bayonne High School Mock Trial Team. Joined by their Advisor, Ms. Fleck, and Social Studies teacher, Dr. Bransfield, members have been preparing for an upcoming competition. Each year, the NJ State Bar Association creates a faux court case based on real-life issues. Students act as attorneys as well as witnesses and represent both sides of the case. Students are judged by real-life attorneys and judges who volunteer their time.
Winning was quite humbling really. I definitely feel privileged and proud but it wouldn’t have been possible without the support of colleagues in the Environment Agency and I’m grateful to them. Ahmed, 26, who is based at the Environment Agency’s office at Fradley near Lichfield, was named Professional Young Engineer of the Year by the Pump Centre. The Pump Centre is a network of 100-plus companies working in the water industry’s engineering sector.In order to win the award, Ahmed had to present to a panel of judges a summary of some of the work he has done over the past year. That included completing a peer review in New Orleans on storm surge barriers, being technical lead on panel replacements for groundwater pumping stations, working on a national statutory inspection service provider contract and adapting an app to include storm surge information. He won £250 and entrance to a training course with the Pump Centre.Ahmed has worked for the Environment Agency for 3 years since gaining a Masters in Electrical and Electronic Engineering. He joined the organisation through its MEICA (Mechanical Electrical Instrumentation Control and Automation) graduate scheme and works in the Midlands team to reduce flood risk.Following his success, he said:
With the recent release of his solo album, Grateful, Bobby Deitch (father of Lettuce/Break Science drummer Adam Deitch) has created an album that clearly demonstrates the 50+ years of musical acumen the multi-instrumentalist has garnered during a lifetime of playing alongside greats such as Prince, Alicia Keys, Stevie Wonder, and many more. He will be bringing that style to NYC’s The Cutting Room on Saturday, June 3rd for a special evening full of soul, funk, and R&B flavor with his own Bobby Deitch Band.The group played a fantastic album release show at the Blue Note several weeks back, which featured special guest spots from Adam Deitch, Nigel Hall, Louis Cato, and more. With Dave Reiss (bass), Scott Reeves (guitar), Eddy Bishai (keys) and JoeMamma Carpentieri (drums) in tow, Deitch brings an old-school vibe to the new school. Expect another solid outing from the group at one of NYC’s most beautiful venues.Tickets for The Cutting Room show on Saturday, June 3rd are currently on-sale here. Take a listen to Grateful, and purchase the full album at this link.Enter To Win Tickets:
At its Friday meeting, Campus Life Council (CLC) focused on residence life and factors contributing to an increasing number of students moving off campus. Student government chief of staff Katie Baker said some reasons students move off campus are to obtain freedom, privacy and more space for less money. Currently, 17 percent of undergraduate students do not live on campus, and this is a linear trend over the past five years according to student body president Brett Rocheleau. He said the current senior class is an outlier with fewer students living off-campus than in past years. Even though the majority of students off-campus are male, a sizable percentage of female students live off-campus. Baker said the lower percentage for the latter category is in part due to safety concerns with some housing locations in the South Bend area. CLC addressed the issue of increasing numbers of juniors and even sophomores leaving the residence halls. One strong driving factor is cost. According to its online admissions website, the University charges $11, 934 for room and board. This does include a meal plan. In recent years, real estate agents have targeted sophomores to sign housing contracts for their senior year. This can be difficult since relationships between students change over time, and they may not want the same living arrangements two years down the road, Howard Hall rector Margaret Morgan said. Cindy Broderick, rector of Pasquerilla East, said students do not believe they can find adequate housing if they wait until their senior year. She said she tries to tell the girls to wait, but oftentimes they feel the pressure to sign contracts early on. CLC also discussed dorm rules and a lack of a feeling of community as additional causes of the off-campus movement of an increasing number of students. Even with the number of students leaving the dorms, the University is still dealing with the issue of overcrowding. In a number of residence halls, the study rooms have been converted into living spaces, Walsh Hall senator Veronica Guerrero said. Furthermore, when students return from studying abroad, they often cannot return to their original residence hall. “There should be a downgrading of the number of students,” Guerrero said. She said it is easier to bond in the dorms when there are a smaller number of girls in an incoming class. This way, everyone gets to know each other better, she said. A point stressed at the meeting was the strength of the residence halls and their spirit of community. Oftentimes, when seniors move off campus they return to their original dorms in order to partake in the activities from dorm dances to movie nights. The halls do not want to lose that connection with their students. “[Dorm life] is a part of the intangible Notre Dame experience,” Walsh Hall rector Annie Selak said. Contact Carolyn Hutyra at [email protected]
On Thursday, the citizens of Scotland will decide by referendum if they want to be independent from the United Kingdom. According to the BBC, 4.2 million people have registered to vote, which is 97 percent of eligible Scottish voters.Professor Tanisha Fazal, associate professor of political science and peace studies, said Scotland has several reasons to desire independence from the United Kingdom [UK].“For the Scots, there are I think a few reasons to consider independence,” she said. “There’s national pride and self-determination. There’s also a political reason — my understanding is that the Scots in general tend to skew more left than the British. And also, there’s a potential economic reason because the Scots view an independent Scotland as economically viable, in part because they believe they would be able to exploit the oil fields in the North Sea.”Those who oppose Scottish independence are also influenced by economics, Fazal said.“Well, there are strong economic reasons against independence, as well,” Fazal said. “We see this particularly in the way the British response has played out, where the British are saying the Scots won’t be able to use the pound. The most recent reports I’ve seen suggest that the British are saying, ‘If you secede, if you vote for independence, there’s no coming back.’”Fazal said Scottish independence could have some deleterious effects on the British economy.“The British are very much opposed to Scottish independence,” she said. “They really don’t want this to happen. And so they are doing everything they can, within the bounds of law, to prevent this from happening.”The projected outcome of the vote is uncertain, Fazal said.“I think it’s really up in the air what’s going to happen,” she said. “And one of the ways we know it’s up in the air is because both sides are fighting this so hard right now.”If the referendum passes, the next steps for a formal process of separation are unclear, Fazal said.“The British constitution is sort of an odd beast, and it’s not clear to me that there are provisions in there for secession, even though some constitutions have that,” she said.If Scotland does become an independent nation, Fazal said, there is no guarantee of membership in the European Union [EU] or United Nations [UN].“The EU has sent mixed signals about whether it would admit Scotland, and if Scotland were not part of the EU then that would certainly diminish the economic benefits of independence,” she said. “If Scotland really wanted to become a member of the club of states, then they would have to apply to the United Nations for membership. And it is actually the United Nations Security Council that has to approve membership. But of course the UK has a veto on the Security Council, so unless the Scots were able to persuade the British that they should become an independent state, it’s hard for me to see how Scotland could actually become a full member of the United Nations.“Taiwan also can’t become a member of the United Nations because of a Chinese veto. In the case of Kosovo, we would anticipate Russian and Chinese vetos. And Palestine, which also recently applied unsuccessfully for membership in the United Nations, would be vetoed by the U.S.”Membership in the United Nations carries symbolic and diplomatic value, Fazal said.“It can also offer some economic benefits, in that it gives them access to some affiliated agencies,” Fazal said. “And it’s the stamp of approval, that you’re a member of the club of states. And it gives access to all kinds of benefits I would imagine the Scots would want.”If the referendum passes, Fazal said, groups in Wales and Northern Ireland could also be looking to become independent from the United Kingdom.“What some of the literature on secessionism tells us is that when you have a country that has multiple possible secessionist groups within it, or even multiple active secessionist groups within it, those are the countries that are going to push back the hardest against secessionism, precisely because they fear the risk of a precedent being set, and the whole country falling apart at the seams,” she said.Fazal said the issue of Scottish independence has significance for many other international groups.“One interesting feature of this particular case is that there are all these secessionist groups around the world, including in Europe, that are waiting with bated breath to see what the Scots are going to do,” she said. “For example, the Catalonians in Spain and the Flemish in Belgium are watching this very closely because they have their own independence movements. They’re actually very much hoping that the Scots are going to set a precedent in becoming independent.”Scottish independence could have both positive and negative consequences for Europe, Fazal said.“There are arguments, particularly in the European context, that one could make either way,” she said. “The EU has eroded national sovereignty for a lot of European states, such that having these smaller, sub-national groups split off and become their own independent states, if they could plug into institutions like the European Union, then that helps them a great deal economically.“And it actually might improve governance for individual citizens. One of the complaints people make about the EU is that it’s very undemocratic; it has what’s called a democratic deficit. And having more power devolved to these smaller states might or might not remedy that, I’m not sure. A lot of these benefits really would hinge on EU membership for the secessionist regions, that lie within the European Union.”Fazal said an independent Scotland would be unlikely to create a foreign policy different from the United Kingdom’s.“One change might be that the Scots might support other secessionist regions, so maybe they would be more sympathetic to the Kurds than the current British administration is,” she said. “But in general, I don’t see them developing foreign policy interests that are diametrically opposed to the British.”Adam Haydel, a junior studying abroad in London, said the vote on Scottish independence is receiving widespread media coverage.“If something about Iraq or Syria isn’t on the front page of the papers, the referendum is,” he said.Public opinion on the issue is broad, with economics a primary concern, Haydel said.“I think people don’t really believe that Scotland could thrive being independent since they would not be allowed to keep the pound and only have oil reserves for 10 years or so,” Haydel said. “Also they would have to figure out a way to raise money, taxes, since their budget is given to them by Parliament in London.”Haydel said he thinks the separation will not be contentious if the referendum passes.Jack LeClair, a junior also studying abroad in London, also said public opinion on the referendum varies.“I think that some Scottish people want independence because there is a widespread lack of trust in Westminster,” LeClair said. “And Scottish people feel that a Conservative party whom they didn’t vote for should not determine how to rule over them.“In Scotland, the majority of seats in Westminster are Labour and then Liberal Democrat. Thus, they feel that the Conservative party, who holds most of the power in the Conservative/ Liberal Democrat coalition do not represent their interests properly. . . In Scotland in particular, there is zero apathy about the referendum, and voter turnout is expected to be extraordinarily high and people generally have extremely strong convictions towards one side or the other.”LeClair said many English citizens do not seem to have as strong opinions on the issue.“One potential reason for people caring about the vote is that the political landscape will be swung towards the Conservative party since most of the constituencies in Scotland are Labour,” he said. “Despite this, Conservative Prime Minister David Cameron has come out in support on maintaining Scotland as a member of the United Kingdom and the leaders of the Labour and Liberal Democrat parties, Ed Miliband and Nick Clegg have also supported ‘No.’”“In fact, this week, in the wake of the polls favorable to the ‘Yes’ vote, all three of these men left London for Prime Minister Questions, which is a big deal, to go campaign in Scotland in favor of ‘No.’ Also, a previous Labour Prime Minister, Gordon Brown has come out to support the ‘No’ vote.”Tags: European Union, Independence Referendum, Scotland, secession, United Kingdom, United Nations
Chittenden Solid Waste District,At its March 25, 2009 meeting, CSWD Board of Commissioners proposed an amendment to its Solid Waste Management Ordinance to increase the solid waste management fee from $17.61 to $22.06 effective July 1, 2009. The fee is charged on each ton of trash generated in Chittenden County that is landfilled. The proposal would also reduce the tipping fee for recyclables at the Materials Recovery Facility (MRF) from $20 per ton to $10 per ton.Members of the public and other interested parties are invited to attend a public hearing on the fee increase, scheduled for April 14 at 4 p.m. at CSWD’s Administrative Offices (1021 Redmond Road, Williston). If you plan to attend the public hearing, please contact Jennifer Getty at 872-8100, x201 or [email protected](link sends e-mail) so that adequate space is provided. Please see below for information on submitting comments.Click here for background information on the proposed fee increase.A closer look at the fee and the impact of its increase:The fee supports a number of CSWD programs, including education, hazardous waste, recycling, composting, research and development, enforcement, and management of solid waste in Chittenden County. The fee has not been increased since it was established in 1993.The potential impact on residents of the proposed increase amounts to an average of $3.53 per household per year. When the decrease at the MRF is factored in, the impact is reduced to an average of $2.50 per household per year. See page 2 of the background information document (see above) for calculations.CSWD will not be raising its trash rates at its Drop-Off Centers. Haulers pay the fee to CSWD for each ton of trash they collect in Chittenden County that will be landfilled. Whether rates for curbside collection of residential and commercial trash go up will be decided by each private hauler.A copy of the amended Solid Waste Management Ordinance is available here (see pages 16-17 and 25) and at the Chittenden Solid Waste District Administrative Office, 1021 Redmond Rd, Williston, VT 05495.CSWD invites interested parties to learn more about the fee increase and make their views known:A public hearing will be held on Tuesday, April 14, 2009 at 4:00 p.m. at CSWD’s Administrative Office in Williston to discuss the ordinance amendment. If you plan to attend the public hearing, please contact Jennifer Getty at 872-8100, x201 or [email protected](link sends e-mail) so that adequate space is provided.Written comments may be submitted to Nancy Plunkett at CSWD, 1021 Redmond Road, Williston, VT 05495 or [email protected](link sends e-mail). Comments will be received until Wednesday, April 15, 2009 at 4:00 p.m.If you have any questions about the amended Solid Waste Management Ordinance prior to the public hearing, please contact CSWD’s General Manager Tom Moreau at 872-8100 x209 or [email protected](link sends e-mail).
By Dialogo July 22, 2011 This conference is especially important for the Inter-American Defense System, the respective countriesâ€™ national security and the principals of national progress that guaranty democracy, due to alleged and hidden challenges that threatens society on all continents. There is hope in the meeting with Chile. An unfolding effect in the resolutions and recommendations to raise awareness among Latin American countriesâ€™ main politicians. Manly the responsible parties who make the policies for the public defense. With an introduction by Chilean Minister of National Defense Andrés Allamand, the Center for Hemispheric Defense Studies (CHDS) of the National Defense University, in Washington, D.C., opened its 2011 Sub-Regional Conference, the seventh in the series, in Santiago, Chile, on 20 July 2011. Under the heading “New Security Environment, New Defense Alternatives,” the forum brings together around 350 military personnel, academics, and civilians from Argentina, Bolivia, Brazil, Chile, Colombia, Ecuador, Mexico, Guatemala, Paraguay, Peru, the United States, Uruguay, and Venezuela. The event, sponsored by the National Academy of Political and Strategic Studies (ANEPE) of the Chilean Defense Ministry, has the aim of responding to the challenges defined at the Ninth Conference of Ministers of Defense of the Americas, held in Santa Cruz de la Sierra, Bolivia, in November 2010. This opportunity “is especially relevant,” CHDS director Richard D. Downie emphasized, “because it enables us to bring together the political leaders who design policies, the military personnel who execute them, and the academics who study them in order to create a new reality.” The conference, which will continue until 22 July, is focused on three main topics: consolidating peace, confidence, security, and cooperation in the Americas; democracy, Armed Forces, security, and society; and cooperation in regional security and natural disasters. “Security is a task for everyone,” Allamand stressed in his opening speech. The minister also highlighted the importance of jointly addressing the topic of security, due to the borderless nature of the threats that states are facing today. “The dividing lines between internal and external security have been dissolving,” he affirmed. The event included the participation of former Colombian president Álvaro Uribe Vélez, who spoke about the new security environment and new defense alternatives. “We have the great challenge of building modern democracies,” he said, and he emphasized that democracies depend on their security policies, on the freedoms of their societies, and on states established on the basis of independent institutions, both for their progress and for their decay. As part of his speech, Uribe enumerated the enormous riches of the Latin American people and also mentioned the great social chasms that need to be closed in order to create these democracies.
120SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Gregg Hammerman Developed the initial concept for Larky based on the impossibility of remembering and my discounts/perks from AAA, Blue Cross, Visa, Amex, my alumni association, museum memberships, and more. Performed … Web: www.larky.com/info Details Research from Google Think could have you rethinking everything.The typical marketing calendar at many financial institutions has been the same for decades. FI marketers have been told, “Consumers aren’t interested in banking services in the fall. They’re too busy with the holidays to think about their accounts, tax prep, or loans.” Accordingly, marketers obliged and structured their marketing calendars based on patterns like these and what they thought their audience wanted.But what if the assumptions we’ve made about the timing of consumers’ needs are inaccurate or outdated? While you probably can’t ditch that old calendar right this minute, wouldn’t it be swell if you could make some additions to your marketing mix that would help your institution drive awareness, engagement, interchange revenue, and top of wallet thinking?Based on research from Google Think, here are three ways to adjust your marketing plan and tactics for the remainder of 2015 and beyond.1. Sync your marketing calendar with your clients’ actual interests and needs.The researchers at Google Think tracked internet searches for terms related to financial products, and the results might surprise you. It turns out that financial institutions’ marketing calendars are not exactly aligned with consumers’ interests. How do we know? Because consumers are searching the internet for your products and services at times that are contrary to FI marketers’ old beliefs!For example, January is traditionally a slow marketing time for financial institutions, but Google shows that it’s a very busy month for searches on certain financial products. Here’s what people are searching for at the start of the year:Home loans (January). Banks and credit unions tend to promote mortgages and home equity loans in the spring because that’s when home buying and remodeling activity heat up. However, Google Think’s data shows that first time home buyers are actually searching for information about home loans in January. Data shows that half of those searching for home loan information are Millennials, and mobile searches are increasing by 60% year over year. Could your institution increase its mortgage lending simply by spending more resources capturing attention in January?Retirement (January). Perhaps it’s because people made New Year’s resolutions to stop working at age 60, or see the world when they retire. In any case, searches for “saving for retirement” or “retirement planning” peak in January.Saving (January). It’s not just retirement-minded folks who are thinking about saving money in January – it’s everyone. January seems to be the month when people aspire to get on a budget. Search patterns show that people are scouring the web looking for resources to help them save, save, save! During January, they want information about 401(k) programs, HSAs, PFMs (Personal Financial Management tools like Mint, MoneyDesktop, etc) and other savings products. In my house, January is also the month when I renew my vigor for teaching my kids about financial literacy.Saving Tax Refunds (March). As tax time approaches, search interest for IRAs peaks. “Where is my refund?” is a top question about finance. Could you capture this demand with a promotion for depositing tax refunds or starting a retirement account?Paying For School (August). Ahhh, back to college — the perennial time of excitement for students and stress for parents. In August, Interest for college financing and student credit cards spikes.Buying on credit (November). Shopping, or more correctly, how to pay for shopping, seems to be on people’s minds in November. Search interest for credit card applications peaks, and nearly 1 in 3 searches for credit cards are on a mobile device. Searches for actual gifts also starts to heat up about a week before Black Friday.Gift Giving / Shopping (December). Search interest for ”credit card gift cards” and “store credit cards” peak before the holidays. And of course, in terms of real commerce and spending, December is when it goes through the roof. Now is the time to capture more interchange revenue by getting your clients to use your credit/debit cards instead of someone else’s.By adjusting your bank or credit union’s calendar and timing with your marketing tactics, you may be able to engage more prospective clients when they need you. For an even more targeted approach to marketing to users’ needs at the right time and place, read on!2. Map out your clients’ “Micro-Moments”. Adjusting your calendar is just the start of what you can do to satisfy more of your clients’ needs, right when they express that need. A calendar is a broad-stroke way of making the right offers to the right users at the right time and place. If you dig one more level down, you’ll realize that there are micro-calendars or “Micro-Moments” happening all day in the lives of your users and you could be there to help. If you can pinpoint when, where, and what your users need at any point during the day, you’re one stop closer to genuine 1:1 marketing, the holy grail for any marketer.For example, if you know when your users are about to make a purchase, you can offer them a discount at the store if they pay with your FI’s credit or debit card.If you know when they are test driving a new car, you can let them know that you have great car loan rates and even offer an incentive to finance with you.3. Mobilize your mobile efforts.Google Think’s research also shows that in 2014, mobile searches for financial terms (mortgages, credit cards, loans, and life insurance) grew by 48% over the previous year. Moreover, conversion rates are 58% higher on mobile than on desktop – which means people aren’t just searching, they’re transacting!Remember, your clients (current and prospective) are busy people who are on the go. Increasingly, they are out in the world going about their daily routines, when they think to themselves, “Hey, I need to pay for lunch on a credit card,” or “My car is eight years old. It’s time to buy a new one.”Mobile efforts need to be a huge part of your marketing calendar for the end of 2015 and for all years to come. Will your financial institution be there at the right time and right place when your users need you?Read more about connecting with your users at the right time and place.Four Tips to Win Your Users’ “Micro-Moments”Eleven Tactics To Shift Marketing Dollars to MobileHow Financial Institutions Can Attract Mindful Mobile Millennials?