It’s time to push the ‘reset’ button on bank marketing

first_img 9SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Marketing as a discipline has totally reinvented itself over the past several years, from primarily a communications function to one that creates both value and revenue. Unfortunately, most bank and credit union marketing departments have not kept up with the same pace of change that we’ve seen in other industries, costing their institutions hundreds of thousands or millions of dollars in hard costs and lost revenue opportunity.The transformation of marketing has resulted from a confluence of three factors: consumer behavior, technology, and data analytics:The Consumer. Consumers have changed the way they learn about and buy financial products. Increasingly, they distrust advertising and prioritize web content and customer reviews they perceive as being more objective.Technology. Digital advertising allows sales tracking and the calculation of marketing ROI. Marketing automation allows more varied and rapidly deployed campaigns, enabling testing, learning, and optimization of spend. Both have conspired to transform marketing from an “expense” to be minimized to an investment which needs to be optimized. There is a reason GEICO spends much more in advertising than many of its competitors. (Warren Buffett, whose Berkshire Hathaway owns GEICO, is not known for wasting money.) continue reading »last_img read more

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‘Shabu’ sends man to jail

first_imgHe was detained in the lockup cell ofthe Estancia police station, facing charges for violation of Republic Act 9165,or the Comprehensive Dangerous Drugs Act of 2002./PN Alpasan – resident of the village – wascaught after he sold a sachet of suspected to an undercover officer for P500. ILOILO City – Police arrested a drugsuspect in a buy-bust operation in Barangay Bunaquinia, Estancia, Iloilo. center_img The 21-year-old John Jerome Alpasan wascaught around 9:50 p.m. on Nov. 25., a police report showed. last_img

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Cariah eager to make big impact against Sri Lankans

first_imgPORT OF SPAIN, Trinidad (CMC) – Trinidad and Tobago left-hander Yannic Cariah says he is anxiously looking forward to next month’s West Indies A series against the touring Sri Lankans, and is intent on making his mark.The 25-year-old was one among a few new faces in the 13-man Windies squad announced on Tuesday for the first two four-day ‘Tests’ of the three-match series starting October 11 in Jamaica.“I am really motivated for this tour and I cannot wait to get into the middle and give it my all,” said the Red Force left-hander.This is another great opportunity for me to show that I can play international cricket so I am looking forward to the challenge Sri Lanka will present.”Cariah forced his way into the selection frame by plundering 691 runs during at an average of 43, to top the scoring charts during the last first class season.He was one of seven players who passed 600 runs, joining fellow Red Force batsman, Kyle Hope (649), Leeward Islands Hurricanes wicketkeeper, Jahmar Hamilton (648), veteran former Windies batting star, Shiv Chanderpaul (622), Montcin Hodge (616), Devon Smith (611) and Sunil Ambris (608).Hope was subsequently elevated to the Test squad while Hamilton, Hodge and Ambris have all been named in the A-squad to face Sri Lanka.The previous season, Cariah managed a mere 374 runs but said he had been focused for a while now on achieving such a breakthrough in his career.“I have been preparing for this opportunity for years now,” he said.“I am seeing the results of my hard work and this is a good opportunity to further distinguish myself against a strong touring team.”He added: “I think it is just for me to keep moving forward and keep doing the right things to get results. My mindset will be a key factor because I think that is the most important part of the game for me.“I am putting in the necessary work in the gym and nets so once I am mentally ready I am confident this will be good series for me.”last_img read more

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Gyan gets fourth goal in six games in Shanghai SIPG win

first_imgAsamoah Gyan has now scored four goals in six games since moving to the Chinese Super League.His latest came on Sunday as his Shanghai SIPG beat Shanghai Greenland Shenhua 2-1 with the Ghana captain scoring after 65 minutes. The goal was a leveler as former Everton midfielder Tim Cahill netted with a penalty. Seven minutes after Gyan’s goal, his teammate Ke Shi got the winner.Gyan’s strike is his second this week after he scored against the same side in the Chinese Cup but his team lost on that occasion.  SIPG lead the Chinese Super League table with 52 points while Guanzhou Evergrande are a point behind.– Follow Gary on Twitter: @garyalsmith. Our hashtag is #JoySportslast_img

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Don’t miss this adult Chris(mas) show with a difference!

first_imgLetterkenny man, Chris Duddy will soon be reeling in the Christmas spirit with the preview/premiere of his new comedy play Santa Baby on Tuesday 19th November.Aimed at entertaining the adults out there, Santa Baby is a fun, flirty, and cheeky Christmas tale, with a magical twist, that will be the perfect pre-Christmas tonic.Chris said “I think we all seem to forget the inner child we have in us, and the underlying message of the play is that Christmas is for adults too. “I have always thought about writing a Christmas comedy, that just simply aims to entertain. A feel-good show, with seasonal charm, with all the elements to make it a right pre-Christmas laugh.“So with that in mind, Santa Baby was born. Having written the play, it really does feel like your baby, and I’ve been really chuffed with the support and positive feedback on announcing the show, and venue.”Chris DuddyChris has many years of local stage experience under his belt, which includes numerous roles in the Letterkenny pantomime, Letterkenny musical society, also Letterkenny music and drama group, and a number of other productions.He added “I’m really happy to be lending my stage experience to a whole new venture, and the fact that I’ve created the show just makes me want to get back on the stage again, and just have fun, fun, fun. “Hopefully, I will see many new, and some familiar faces there.”The show will run on selected dates in one of Donegal’s premier Christmas hotspots, the magical surroundings of Donegals Lapland, ran by Pat Doherty, at Doagh Island.Which only makes it a more perfect Christmas present. They are working hard to ensure the stage is set, and can’t wait to welcome you all.Tickets available at https://www.donegalslapland.ie/Don’t miss this adult Chris(mas) show with a difference! was last modified: November 13th, 2019 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)last_img read more

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Setting sail for a better future

first_imgStudents at the Izivunguvungu sailingschool learn life skills as well as theboating essentials. Youngsters from informal communitiesin the Western Cape are given a chanceto forge a rewarding career. The school’s best young sailors go forwardto compete in local and national racesand regattas.(Images: Izivunguvungu) MEDIA CONTACTS • Matthew Mentz  MD, Izivunguvungu  +27 21 786 1120 RELATED ARTICLES • Aviation, maritime careers for youth • SA women marine pilots make history • SA harbour chief makes world history • Oh captain, my captain • Volvo Race boost for CT firmLyndon JafthaSouth Africans who live near the coast can enjoy swimming, surfing, fishing and sailing at any time. For the past decade the non-profit Izivunguvungu-MSC Foundation for Youth has ensured that young people from the Western Cape’s disadvantaged communities can enjoy those activities too.Working with the South African Navy (SAN) and the Mediterranean Shipping Company (MSC), Izivunguvungu (isiZulu, meaning “a sudden strong wind”) gives youngsters the opportunity to learn about sailing, boatbuilding, and they also receive education about health, literacy, and recycling and caring for the environment.Based in Simon’s Town, the Izivungu school enrols students between the ages of 11 and 18. There are currently 100 attending the school, with an average of 20 students, from schools servicing informal settlements including Red Hill and Ocean View, sailing on a daily basis.Lessons take place in the afternoons, and only once children have learnt how to swim. Promising students are taken on as instructors once they complete their training – however, at the moment there are funds enough for just two instructors.Students are not only taught the basics, but are also instructed in competitive sailing, boat building and repair, and navigation. Boats in all conditions are donated to the school, and the students learn how to get them seaworthy again before taking them out to sea.They also learn mathematics and physics, important subjects in the nautical sector. In addition, the school transports the students to the Simon’s Town dockyards and provides each one with a hearty meal after their sailing exercises.Besides their maritime education, Izivungu students are encouraged to fish in False Bay and participate in outdoor activities such as rock climbing and mountaineering.On the cultural side, the SAN Band supports the Izivunguvungu Music Project, which teaches brass and percussion skills to the musically inclined, who then get the chance to perform with the navy band during the annual SAN Festival.Developing their maritime skillsThe Izivunguvungu-MSC Foundation for Youth, in conjunction with the SAN Festival, is responsible for organising the largest developmental regatta in South Africa. Here, more than 50 development sailors compete in dinghies supplied by the SAN.Every Sunday, students take each other on in bosun dinghies, which look like small yachts and can carry a crew of up to four people. The 14-footers are fast enough to take part in competitions, and stable enough for beginners to handle. At the end of each competition season, the best teams are chosen to compete in local and national regattas and races.In 2011, seven students undertook the trip of their lives when they competed in the annual Cape to Rio Yacht race. The crew steered their yacht, Spirit of Izivunguvungu, into a credible seventh place out of 16 starters. The 5 343 km race took 20 days to complete.Speaking just before the race got underway, Izivunguvungu skipper Kader Williams expressed his pride in his young crew.“These are guys that have been on the back of a police van but changed their lives for the better,” he said.Like the rest of the team, the 31-year-old Williams started off as a young student and worked his way up through the Isivungu ranks.Izivungu graduate Asenathi Jim (19), also a 2011 Cape to Rio crewman, is currently campaigning for a spot in Team SA for the 2012 Olympics.With the experienced Roger Hudson, Jim is part of a two-man team that has been preparing for the Olympics since 2009. The duo is in Barcelona for the 470 World Championships, which take place from 10 to 19 May.Giving youngsters a chanceIzivunguvungu was started in 2001 by triple Olympian, former world sailing champion and qualified teacher Ian Ainslie, since 2004 a member of the South African America’s Cup entrant Team Shosholoza. Ainslie has been a keen sailor since the age of 13, and today is recognised as one of the country’s most accomplished helmsmen.The foundation has had a rewarding relationship with the SAN since its inception, and it is with their help and that of the Mediterranean Shipping Company that it can continue to do fulfil its mission.The navy provides the premises, which include an office building, recreational and educational space, a classroom, a clothing storeroom, and a kitchen and dining room. The navy has also given the school access to manpower for specialised teaching, vessels and emergency equipment.The Mediterranean Shipping Company continues to fund the initiative, and their support covers the salaries, food, competitive clothing, transport and petrol, and building maintenance. The MSC has also donated the keelboat Donna Mia Always, and helps promising students out with job opportunities.last_img read more

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IT’S A STATE OF ORIGIN CLASH

first_imgNSW v Queensland. The thought of a match between traditional Touch strongholds makes enthusiasts rub their hands in glee. Karley Banks has this report on the Boys 15 Years match between the two sides at the 2004 School Sport Australia Touch Championships. QUEENSLAND WINS THE FIRST ROUND: Queensland took the points in today’s heavyweight clash against arch rivals NSW in the Boys 15 Years Division. Despite the 8 – 4 victory, neither team was reading too much into the result, reasoning the tournament and their teams still had a lot of Touch to play and that today’s result would matter little in the final wash-up. The attack from both teams was quality all the way, despite the sweltering conditions, but defensive lapses hit both teams as they struggled to gain stability in defence and a decisive edge. The game opened at a frenetic pace and it was end-to-end passages in the opening exchanges as both teams struggled to find the early chink in the armour. NSW play maker Kialu Brown and Qld lynchpin Dwayne Conlon traded steps and skills in this attacking blitz, which was only thwarted by committed defence from both sides who hung tougher than Dizzy Gillespie at nine down on a dodgy deck. Seven minutes into the first half, NSW finally got the opportunity they coveted when a quick changeover and a clever wrap play from Kenneth Forrest and Zoram Watene resulted in Watene grabbing the first TD of the game. Concerted pressure from Qld saw a clever short dump and split play close out pay dividends with that man Dwayne Conlon streaking over to equalize at 1-1. The Qld boys were still hi-fiving Conlon when the elusive Kialu Brown, just 60 seconds later, produced some inspired play for NSW, throwing an audacious cut out pass to Kenneth Forrest who dived over in the corner to take the Blues out to a 2-1 lead. Incredibly, in the very next set of six Dwayne Conlon, the man who surely must have been covered in spiders, so infrequently did NSW make a touch on him, was weaving his magic again. Another pet play short to the line saw Conlon escape from half and find his Captain and Glenala State High team mate Nathan Bani who dived over to put the banana benders back on level terms at 2-2. The Queenslanders looked determined to settle and play some disciplined touch – they started rolling with their rucking and transitioned well with few unforced errors, this extra concentration in attack helped steady their defence. NSW went close in the next set, but Queensland had weathered the storm, for the time being at least. Qld’s next possession was a classic piece of expansive play, a nice long ball into a Late `B’ switch play between the talented John Tyson and Waimana Kingi who combined for a quick phase of play. The two NSW middles were split apart like a watermelon and Josh Costello accepted the short ball on a platter to put the Maroons up by one. NSW did not take a backward step and threw everything at the Qld line but the Qld middle of the park defence led by the rock solid Peter Norman, Anthony Mitchell, and Dwayne Conlon refused to concede in the shadows of half time. Qld looked for some breathing space before oranges, and found it when Josh Costello did it all himself and mesmerised the defence into ball watching. Holding the ball out in front, like all good ball players, he ran a dummy `A’ play close to the line and to the delight of the local crowd plunged over to give Qld a 4-2 lead. At 4-2 the game was still very much there for the taking and it was clear that for the most part, the players’ on both sides, had decided to leave their defensive face in the kit bag today. Today’s game was all about attack with both sides keen to chance their arm and take some risks. After the break NSW produced a clever tap play that nearly paid instant dividends. A stray pass cost the Blues as they battled desperately to get back on level terms with Qld. The more the half wore on, the closer Qld seemed to victory and the closer NSW inched towards defeat – pushed passes and rushed options hurt the Blues – partly due to the great defensive pressure Qld exerted in second phase defensive situations. Seven minutes into the second half Qld worked another quick dump and split play which found Brendan Andrews splitting on the outside of a defender then snap like a cobra straight back into a gaping hole which was caused because a NSW defender slipped and couldn’t recover – but it was still a great read from Andrews, who gleefully took his side out to a commanding 5-2 lead. Kiaula Brown, Jack Bowsden, and Zoram Watene tried desperately to dig their team out, creating numerous half chances, which frustratingly came to naught for the Blues. Michael Singh and Matthew Yiagou eventually combined to produce a short dump and split play of their own to give NSW a glimmer of hope and bridge the gap to 5 -3. Qld was determined to hit back and almost immediately David Briggs, a class act with all the skills, injected himself into the game and produced a great finish off the back of some well worked and sequenced long balls and deep switch plays which isolated the middles – the `Danger Will Robinson’ call came far too late for the disjointed NSW middle whose lack of communication and decisiveness provided an obvious target for second phase play. At 6 – 4 to Qld, John Tyson again put his stamp on the game, being prominent in a collaborative passing movement, which smacked of combination that only a well-oiled machine could conjure. Tyson accepted a great inside ball from Anthony Mitchell to dash NSW hopes of retribution in this game. NSW, as proud defending champions, refused to give in and fought back with Heath Bassett firing a bullet in Coedi Towney’s direction. The lanky winger accepted the offering and NSW at 7 – 4 was starting to find some rhythm with their play, making less errors, and finding some combination. With less than two minutes to go, Qld wanted the last word and got it when Ben Drury spied an opportunity for a short side overlap and sent Cameron Curtis spearing over to complete the scoring for the game. The 8 – 4 victory was welcomed by Qld Coach Dan `the man’ Parker who was pleased with his team’s efforts. “It was a good team effort, we promoted the ball well and attacked with purpose. Defence was ordinary, something we can work on in the next few days.” “It’s a good win and they all played well -but it won’t mean nothin’ if we don’t win Saturday (in the final)…. The guys were ready to play and having Peter Bell’s input was great – he is a great tactician and a few technical points he made helped the boys immensely.” Parker was loathe to praise just one of his players, but agreed Dwayne Conlon is a special player who can create great opportunities with his hands and feet. Parker who teaches at Glenala State High, a school with a large Indigenous population has worked tirelessly at the school to promote touch and the participation of Indigenous youth in the sport. Four Glenala boys are in this Qld side and their combination and understanding of the Coach’s tactics is a definite strength as Qld search to find the path to victory in this year’s series. For NSW coach Mark Hildebrandt, who spent five years as Manager of the team before taking over as Coach this year, the result is not one he is overly concerned with. “We can play much better. Communication was a problem and we really didn’t play to our pattern…. full credit to them they subbed and moved the ball well, but I feel we got close, scored a few, and didn’t play anywhere near our best…we’ve got plenty left in us and we’ll build into the tournament from here.” So there you go – sounds like plenty of good Touch from these two sides and everyone else to look forward to. For NSW Kialu Brown was a dangerous customer who will give a few teams a few nightmares “I see Steppy people” (as in the sixth sense) watch him go, he is exciting to watch. Qld were great across the park but the “Game Go to Guy” went to none other than Dwayne Conlon who carved up the NSW middle like a Christmas turkey. I heard all reserve seating was sold out for tomorrow’s big program at Owen Park – with Qld taking on NSW in the 15 Years Girls and both the 12 Years Boys and Girls and a host of other fantastic games – it should be a cracker. Stay tuned, I expect to see the kids using their own flashy, crowd pleasing, non-federation touch steps tomorrow – it brings the crowds back to the game. Written by Karley Bankslast_img
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Fulbright Scholar to Take Part in Research Exchange Programme

first_img The Fulbright Programme is the flagship international educational exchange programme sponsored by the U.S. government The NEXUS Programme brings together a network of junior scholars, professionals and mid-career applied researchers Jamaica’s Fulbright Scholar for 2012-2013, Tracy-Ann Hyman, is among 21 other Fulbright scholarship recipients from the Western Hemisphere, Latin America and the Caribbean to participate in a two-month research exchange programme at the University of North Carolina in the United States of America.The Fulbright Regional Network for Applied Research (NEXUS) Programme brings together a network of junior scholars, professionals and mid-career applied researchers for a series of three seminar meetings and a Fulbright exchange experience.Speaking at a reception in honour of the Fulbright Scholarship Awardees by the Bureau of Educational and Cultural Affairs of the US Department of State, at the Mexican Cultural Institute on September 18, Chief of Western Hemisphere Fulbright Programme, Dr. Eugenia Verdagure said that at its core, “the Fulbright NEXUS Programme will foster collaborative and multi-disciplinary research to address challenging regional issues and produce tangible results.”She said the Fulbright NEXUS Programme provides a platform for scholars from across the region to engage in collaborative thinking, analysis, problem-solving and multi-disciplinary research in one of three inter-related topics.Dr. Verdagure noted that at the end of the programme year, NEXUS scholars would convene for the third and final meeting in Washington, D.C., to share the results of their collaborative interactions and report on the accomplishment of programme objectives and the national and regional implications of their findings.Scholars will disseminate policy-relevant recommendations, describe the concrete steps they have taken in implementing their projects and models at the local, national and/or regional levels, and share the progress they have made and challenges they have faced in moving their recommendations from theory to practice.Meanwhile,  Miss Hyman pointed out that she will be presenting a research paper on the results from a one-year project on Community Emergency Management for Coastal Communities.  She added that the Nexus Programme would allow for collaboration with diverse scientists in various fields and that such interactions would enable her to share lessons learned in a Jamaican context that can be applied globally.The Fulbright Programme is the flagship international educational exchange programme sponsored by the U.S. government and is designed to “increase mutual understanding between the people of the United States and the people of other countries.”The educational exchange was proposed to the U.S. Congress in 1945 by then freshman, Senator J. William Fulbright of Arkansas. In the aftermath of World War II, Senator Fulbright viewed the proposed programme as a much needed vehicle for promoting “mutual understanding between the people of the United States and the people of other countries of the world.”His vision was approved by Congress and the programme signed into law by President Truman in 1946.The Fulbright Programme is sponsored by the Department of State’s Bureau of Educational and Cultural Affairs, under a co-operative agreement with the Council for International Exchange of Scholars. Story Highlights Tracy-Ann Hyman, is among 21 other Fulbright scholarship recipients from the Western Hemispherelast_img read more

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Canadian Muslim preacher banned from entering Denmark for two years

first_imgCOPENHAGEN – A Canadian Muslim preacher is among six foreign clerics who are banned from entering Denmark for two years due to their “anti-democratic” views.Denmark’s Integration Minister Inger Stoejberg says the government “won’t accept that hate preachers … preach hatred against Danish society.”According to the list — published on Tuesday — Canadian cleric Bilal Philips was in Denmark in 2011. It is unclear whether the others have been in the Scandinavian country.Stoejberg said that five of the men “indoctrinate” others to “commit violence against women and children (and) spread ideas about a caliphate.” The sixth is Christian American preacher Terry Dale Jones.The ministry said others were Mohamad bin Abd al Rahman bin Milhi bin Mohamad al Arefe, and Salman Bin Fahad Alodah who both hold Saudi passports, American citizen Kamal El-Mekki, and Mohammad Rateb Abdalah Al-Nabulsi, a Syrian living in Jordan.“I am also very pleased that it is now clear to everyone that these people are not welcome in Denmark,” Stoejberg said in a statement.Last year, Denmark’s parliament backed compiling such a list. Some other European countries have similar legislation. Britain, for instance, can deny entry to people with criminal convictions or those whose presence is considered not “conducive to the public good.”The Danish law about “the public national list” was passed Dec. 27, 2016 by the right-leaning government and the opposition Social Democrats, among others. Technically, the ban would be implemented by the Danish Immigration Service which would deny them entry to Denmark.last_img read more

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Man dies in hospital after being shot by Montreal police

first_imgMONTREAL – Quebec’s police watchdog is investigating a police shooting in Montreal on Tuesday evening that claimed the life of a 58-year-old man.The Independent Investigations Bureau say police were called at about 7 p.m. regarding a man who was allegedly demolishing everything in his apartment.The agency says the man held a screwdriver in each of his hands when police arrived and that officers unsuccessfully tried to subdue him with plastic bullets and a stun gun.It says the man was then apparently shot several times by police officers and later died in hospital.Twelve agency investigators along with Quebec Provincial Police are investigating the incident.last_img

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