Tag: 上海后花园

What credit unions can learn from Amazon in a recession

first_img 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Ben Stangland Ben Stangland is a skilled senior data analyst and strategist who leads our Boston data analytics and business intelligence practice. Ben blends complex financial databases into customized decision-making tools and … Details This is placeholder text Amazon’s CEO Jeff Bezos described the coronavirus to shareholders as “the hardest time we’ve ever faced.” It’s a reminder that we are all experiencing this shocking time together. Yet, Amazon will emerge from the pandemic and resulting recession stronger than before. Why? Using the same playbook they have become famous for: relentless focus on the customer.For credit unions, member focus has always been close to the heart – but truly delivering on it, especially during a recession, is another thing.When the economy is in good shape, all organizations have the incentive to produce as much as possible, and rough spots tend to get glossed over by a sense of winning. Diverting resources to invest in new technologies, when business is already booming, seems like leaving money on the table.But when the business climate is stormy, and operations aren’t humming at maximum capacity, it opens capacity for IT initiatives without dampening sales. For that reason, adopting technology actually costs less, in a sense, during a recession.And the top priority for most credit unions today should be investing in technologies that speed their digital transformation toward better insights into helping current members and attracting potential members ahead.Bezos understood this years ago, and he fueled his relentless focus on the customer by investing in more data – and better technology to effectively deploy it – than anybody else. He built the infrastructure of insight from the very beginning. As a recent Fortune piece framed it, “Since the day Bezos founded Amazon in 1994, it has essentially been a data-driven company that just happened to do retailing.”Asking “what needs solving for the customer, nevermind common wisdom?” has Amazon continually pushing the limits of experience – and when any company is pushing the limits they are taking on additional risk. Take the offering of Prime, which executives at the time thought was utterly crazy – until it became their engine for loyalty and growth.Indeed pushing the limits of anything has risk. And, certainly, Amazon does make mistakes. Remember the Fire Phone? Neither do the rest of us. But you can be certain that Amazon remembers it well, and that they learned and took that knowledge forward with them became an asset.Within financial institutions more than many other sectors, risk is almost always and only a thing to be mitigated. But taking a calculated risk during a downturn can pay multiple dividends in the long term. How can credit unions place the right bets now, when they have the most to gain? Start by asking the following questions:Who are the ideal members for our unique credit union and what we do better than anybody else?Do we understand everything we can about these ideal members, and what they really need from a financial institution now? Not common wisdom, but real insight.Where and how do we connect with more of these ideal members, including lowering barriers for them to join our credit union?Which members are driving profit to the overall organization? And notice the important separation of ideal members and profitability here. Although profit is very important to every organization, quarterly profit metrics (for example) alone should not be driving the entirety of credit union decision making.How do we go about answering these questions – to take a page out of Amazon’s book for success? In other words, becoming more of a data-driven organization that just happens to be a credit union?Number one is to segment and categorize your member data. A Customer Data Platform (CPD) like our Strum Platform does exactly this by helping you better understand – and actually visualize – your first party member data, coupled with third party appended data to enrich your understanding of members as well as prospects in your market.Number two is to model the data for predictions, anticipate churn, purchases, and to understand profit at the relationship level – all so that when you are able to act, you know how to maximize the impact.Number three is an honest assessment of what products your members are using, what products are they not using, and what’s missing from your basket of offerings.Number four is to always be asking: how can we make this experience more seamless and even easier for our members? Ask this over and over again, every day. That’s what Amazon does.If this is the hardest time that billionaire Bezos has ever faced, there can be no doubt that your members are feeling strained and scared and overwhelmed in new ways right now. Building the infrastructure to understand them better, and actually get them what they need faster and easier – doing this during a timeframe when everyone is especially stressed – will enable your organization to not only survive but to pull ahead for continued growth long after the recession is over, just like Amazon will.center_img This post is currently collecting data…last_img read more


December 17, 2020 0

German clubs buoyed by potential mid-May season restart

first_imgTopics : German football clubs are hoping a return to action is on the horizon, even if it means playing in closed stadiums, after the country’s health minister and regional leaders said matches could potentially resume from May 9.The Bundesliga has been suspended since mid-March due to the outbreak of the new coronavirus, which has infected more than 143,000 and killed over 4,500 in Germany.Regional leaders in Bavaria and North Rhine Westphalia said on Monday that any league resumption would be without fans and that there would be no action before May 9. “These are very positive signals for any resumption of the season,” said Bayern Munich CEO Karl-Heinz Rummenigge in a statement.”It is important that we carefully adhere to any legal and medical guidelines in order to minimize any health risk.”Borussia Dortmund also welcomed the news, saying politicians had been convinced by the league’s plans and that it was now up to clubs to stick to it.”This is a show of faith from politics if it means we can play again from May 9 onwards,” Dortmund CEO Hans-Joachim Watzke said.center_img “If the league did not have such a well thought-out plan then politicians would have taken a different decision. We now have an obligation to deliver.”German Health Minister Jens Spahn told Bild newspaper on Sunday that a resumption on May 9 would depend on the infection risk.”What is crucial is that the infection risk is minimized,” Spahn said. “That would be for millions of football fans from May 9 onwards a bit of normalcy even with empty stands.”The German Football League will meet on Thursday to discuss the latest developments and consider a possible start date. Bayern are top of the Bundesliga, four points clear of Dortmund, with nine games left in the campaign.The League has warned that many clubs in the first and second divisions faced an uncertain financial future and several would be in an “existence-threatening” situation if play did not resume by June.Some German shops opened for business again this week after a month of lockdown in an agreement with the leaders of Germany’s 16 states, all keen to start the long haul of pulling the economy out of recession.last_img read more


October 19, 2020 0

Ladbrokes’ Donohue takes fifth place in the Tipster Challenge

first_img 1Alan Alger – Betway311.41 2Phillip Anderson – Before The Off36.17 3Ciaran O’Brien – William Hill35.29 4John Hill – Coral24.25 5Alex Donohue – Ladbrokes24.11 6Michael Shinners – Sky Bet24.00 7Stuart Tilly – Argyll Entertainment14.00 8Trevor Keane – Sportego23.50 9Timeform1.933.42 10Matthew Hulmes – Betfred23.25 11bettingexpert1.362.74 12Charlie McCann – BetVictor11.75 13Stephen Power – @racingblogger21.69 14John Cruces – Dafabet11.25 15Michael Whittle – Team FA10.91 16Ed Nicholson – Unibet10.73 FSB selects Glenn Elliott as new COO August 12, 2020 Submit RankTipsterRace WinsPoints GVC absorbs retail shocks as business recalibrates for critical H2 trading August 13, 2020 Share Related Articlescenter_img StumbleUpon Alex Donohue, LadbrokesAlex Donohue, PR Manager at Ladbrokes, landed his second winner in the final race of the day at Hereford to enter the Tipster Challenge in 5th place.The 4.11 points he collected from Long Call (3/1) and Lady Karina (11/10) put him between Coral’s John Hill and Sky Bet’s Michael Shinners in the latest standings.This meant that Stephen Harris of bettingexpert dropped a place to 11th, despite picking up 4.88 points and increasing his weekly average to 2.74 after 14 weeks of action.Harris now stands just two places below the experts from Timeform, who only picked up 1.11 points to fall from 7th to 9th. Betfred’s Matthew Hulmes is separating the regular tipsters in mid-table.Race Winners at Hereford:Way of the World – 20/1Long Call – 3/1Zamdy Man – 15/8Courtown Oscar – 8/1Gardiners Hill – 7/1Lady Karina – 11/10Tipster Challenge 2016/17 Leaderboard Bookies Corner: Trump Presidency sinks as US 2020 enters its 100 day countdown July 29, 2020 Share bettingexpert, Timeform and a rotation of guests will be providing expert tips for a specific Wednesday race meet.We will keep record of points won each week and the number of race wins for each.The guests will compete individually, with their points going up against the average totals for bettingexpert and Timeform.The new tips will be published on Wednesday ahead of the race meet, and the results will be available on Thursday.For the competition, we will assume that all selections are backed with 1 point.Lost tips will count as 0 and won bets will be added to the leaderboard at SP value.For example, if bettingexpert backs a winning horse at 8/1, they will get 8 points.last_img read more


August 30, 2020 0

Trump to release Ukraine transcripts as Dems back impeachment inquiry

first_imgThe move comes as at least 158 House Democrats have backed a possible impeachment inquiry in connection to allegations by a whistleblower that President Trump pressed the president of Ukraine to investigate former Vice President Joe Biden’s son, Hunter, in a phone call.Suspicion surrounds Trump due to his actions around that time.Trump reportedly asked his acting chief of staff, Mick Mulvaney, to put a hold on millions in military aid to Ukraine roughly one week before the call.Trump later released the military aide after the whistleblower made his complaint, according to reports.The white blower’s complaint has created major controversy for Trump,  who is adamantly denying the allegations.Chairman of the House Intelligence Committee, Rep. Adam Schiff announced via Twitter that the whistleblower’s attorney had informed the committee that he would like to testify.We have been informed by the whistleblower’s counsel that their client would like to speak to our committee and has requested guidance from the Acting DNI as to how to do so.We‘re in touch with counsel and look forward to the whistleblower’s testimony as soon as this week.— Adam Schiff (@RepAdamSchiff) September 24, 2019 Rep. Schiff also said an interview will likely be scheduled as early as this week.House Speaker Nancy Pelosi is expected to make a statement at 5 p.m. EST.This story is developing. President Trump is authorizing the release of a transcript of his phone conversation with the president of Ukraine.Trump tweeted Tuesday that his office will release a complete, fully declassified and unredacted transcript of his conversation with Volodymyr Zelenskiy tomorrow.….You will see it was a very friendly and totally appropriate call. No pressure and, unlike Joe Biden and his son, NO quid pro quo! This is nothing more than a continuation of the Greatest and most Destructive Witch Hunt of all time!— Donald J. Trump (@realDonaldTrump) September 24, 2019last_img read more


August 12, 2020 0

New WPGA challenge for England girl golfers

first_img Potential England women stars of the future will have the opportunity to cut their competitive teeth against WPGA pros in an exciting new development. The WPGA is opening up entry to its popular One Day Series to U16 and U18 girls from England Golf’s regional squads to give them the chance to develop their skills in a tournament arena. PGA chief executive Sandy Jones hopes the decision to allow England Golf’s talented teenagers to compete will reap rewards in the future. “I am delighted that England Golf and the WPGA are working together in this way to produce the next generation of outstanding players,” he said. “The PGA has a number of very good players so this is a fantastic chance for these girls to test themselves in a competitive environment against experienced professionals. “The standard of coaching they receive continues to grow year by year, and hopefully this initiative can prove a stepping stone in their playing careers and help them realise their potential and perhaps ambitions of following in the footsteps of golfers like Charley Hull and Melissa Reid.” Members of England Golf’s regional squads will be able to take on experienced players such as three-time WPGA Professional Champion and former tour player Tracy Loveys (pictured © Getty Images), as well as current One Day Series champion Jo Oliver and past winner Fern Grimshaw. The series of seven day events will run from May to August and includes several high profile venues including Dunham Forest, which hosts the first event on May 8. Harry Vardon’s Midland gem, Little Aston hosts the next on May 19 with the remainder at Chestfield (May 30), Kedleston Park (June 23), South Herts (July 23), Salisbury & South Wilts (July 28) and Forest Pines (August 13). Entry will be for up to 10 players per event with a maximum handicap requirement of four. Rebecca Wood, the England Golf performance manager for women’s golf, commented: “England Golf is extremely grateful that the WPGA have opened up spaces in each of the events for the aspiring players at regional under 16 and 18 level. “Not only will the girls get competitive experience on superb golf courses but they will be teeing it up next to experienced professionals. It is a unique chance for them to rub shoulders with female professional golfers and witness first-hand how they manage themselves on the course and make decisions. “It will foster the development of role models which is very important for young female athletes, finding out about the professionals’ individual journeys in golf and the different career paths that are available in the game. “Without doubt the inclusion of the WPGA One Day Series is adding huge value to the newly structured girls’ regional programme at England Golf which is now providing 20 days of coaching plus additional strength and conditioning support. “The performance department is excited to see the impact this will make on women’s golf in England over the next few years.” 10 Mar 2014 New WPGA challenge for England girl golfers last_img read more


August 12, 2020 0

Olympia Firefighters Respond to Structure Fire in Downtown Olympia

first_imgFacebook390Tweet0Pin1 Submitted by City of OlympiaOlympia Firefighters responded to the flaming building at 2:30 a.m. this morning.Olympia Firefighters responded to 911 4th Avenue East for a reported structure fire at 2:25 a.m. this morning. Firefighters could see the fire as they left their station a little over a block away. Calls to 9-1-1 reported a fire in an abandoned church building. The first fire unit arrived at 2:28 and reported a working fire with a person trapped on the roof.Firefighters used the ladder truck to rescue the person off the roof approximately 3 stories above the ground. She had cuts and scrapes but refused aid and fled the scene. She reported that her friend was missing. Olympia Police reported a male jumped from the back of the building, complained of a broken ankle but ran away before receiving any aid. A man and women matching the description of the ones leaving the scene did seek aid at a local hospital but the extent of any injuries are unknown. Unauthorized persons have been seen in this building in the past. The fire was too intense to enter the building; firefighters worked from the outside.At about 3:30 am the roof collapsed, weakening the rest of the structure. Several sidewall sections collapsed from the fire but the main front wall and steeple areas built in the early 1900’s did not fall. The building became even more unstable threatening to fall into the roadway. Firefighters pulled back further and monitored the situation.Fire Commanders worked with the City of Olympia Building Official and Public Works to bring in an excavator from a private company to push down the remaining walls at about 8:00 am.Adjacent businesses, the Fourth Avenue Market and A-1 Rentals, did not receive any fire damage and only cosmetic wall damage when the fire building collapsed. An office across the alley behind the fire building received significant water damage in the basement from the runoff.The structure at 911 4th Avenue East used to be a church.Fourth Avenue, the main eastbound street through downtown Olympia, was closed between Plum and Eastside with traffic detoured to Legion. Fourth Avenue is expected to remain closed until 3:00 p.m. this afternoon.Olympia Fire Department responded with 4 engines, 1 ladder truck, 2 medic units, and a command unit. Additional units form City of Tumwater, Fire Districts 6 and 8 also responded. There were approximately 40 firefighters working on the second alarm fire. The only injury reported was a minor leg muscle strain sustained by one firefighter.After the unstable walls were pushed down, fire crews worked with the heavy equipment operators to tear apart the pile and extinguish any hot spots. This activity is expected to continue throughout the day.Damage is estimated at $100,000 for the property. It is unlikely that there will be any ability to investigate the fire as the building collapsed and was pushed into a pile. Fire Investigators will observe the scene but the cause will likely remain undetermined.last_img read more


August 6, 2020 0

Proposed Equestrian Center Application Is Withdrawn, For Now

first_imgBy John BurtonOCEANPORT – What will happen with the Mazza property on Port Au Peck Avenue remains undetermined for now.Attorney Robert Inglima Jr., representing 275 Port Au Peck Associates, LLC this week submitted a letter to the borough planning/zoning board, withdrawing his client’s application for the property which the board began hearing last month.In his brief letter, Inglima asked that the board to dismiss the application without prejudice at this time, in expectation that the applicant’s principal, James Mazza, may be “refiling of same or a substantially similar application in the future.”Mazza was seeking a use variance to eventually use the property to construct two single family homes on the front portion of the site, and establish what he called an equestrian center, with plans to build a 20,000-square-foot, 10-stall barn with an exercise area to board horses with more than 4 acres of the property.The board on Tuesday evening voted to allow the applicant to withdraw the application without prejudice. According to board attorney Rick DeNoia, it is the applicant’s right to receive it and “should they want to come back to the board at another time there is no impediment,” given the board’s without prejudice designation.But Board Chairman Christopher Widdis pointed out at Tuesday’s meeting that should the application return, “It would be treated as a new application,” starting from the beginning.Inglima’s letter did not offer a reason for the withdrawal. But some who are familiar with the situation offered some insight, sensing Mazza felt the April 12th hearing, where the applicant’s environmental expert testified as to the contamination and proposed remediation of the nearly 6 ½-acre property didn’t go as well as Mazza had hoped; and Mazza is maybe looking for additional time to address the contamination and the requirements for the site put in place by the state Department of Environmental Protection (DEP).Inglima, who was not in attendance at Tuesday’s hearing, did not immediately return a phone call to his Ho-Ho-Kus office on Wednesday.Karen Long, a residential neighbor who is opposed to the proposal, suspected the application’s withdrawal concerns the extent of the work to clean up the contamination.Long’s opposition’s is that the proposed use is too expansive for the location. “It’s just overkill,” she said. She had concerns what disturbing the location to remediate and develop the site would mean in the way of releasing contaminates into the area environment.The property has long been vacant and has over the decades been used for discarded construction debris, including shingles containing asbestos, a prohibited carcinogenic.This article was originally published in the May 12-19 edition of the Two River Times newspaper.last_img read more


August 4, 2020 0

Family to celebrate man’s 69th year at the rodeo

first_imgWho here can say that they have been attending the Red Bluff Round-Up Rodeo since they were 5 years old?How about attending diligently for the last 69 years?Raymond Calton Sr. can. He’s made the Red Bluff Round-Up a priority since 1948 because of his true love for rodeos. While his family attendance has dwindled over the years, he will be in the stands Saturday at the Round-Up with his cousin Tom and wife, children and grandchildren. The Calton family thanks the Round-Up for a …last_img read more


December 21, 2019 0

SA second in IRB Sevens Series

first_img3 June 2008South Africa’s Sevens rugby team claimed the Plate title at the Edinburgh Sevens on Sunday, defeating Scotland 14-5, to finish second in the IRB Sevens Series standings behind the runaway winners, New Zealand.SA faced the Scots for the second time in the tournament, having earlier sneaked a 22-21 win over the hosts in Pool play when Stefan Basson slotted a drop kick from the 10-metre line after the final hooter had sounded to snatch the win.After that narrow defeat and a first ever victory over Fiji to reach the Plate final, the Scots were hoping to, and reasonably confident of, reversing their pool result against South Africa.Making amendsMeanwhile, following an appalling 10-0 loss to England in the Cup quarterfinals, South Africa had recovered to beat France 17-0 in the Plate semi-finals and were intent on making amends for what had been probably their worst performance of the entire season.With rain falling, there was more kicking than usual in the contest as both SA and Scotland put boot to the ball, rather than contend with the slippery conditions underfoot.Things started well for South Africa when Fabian Juries put the side ahead in the second minute of the contest after being sent clear by Frankie Horn from a lineout. Scotland almost hit back, but lost the ball over the line in going for a try.They were made to rue their miss when South Africa struck from the restart, moving the ball nicely through the hands to free up Horn for a try under the uprights.Scotland replied with a try by Chris Fusaro after the break, but South Africa held out to win 14-5 and claim the silverware.Coach Paul Treu admitted: “It (the Plate) was not the trophy we wanted but, looking at the season as a whole, it was a success.”Best formDuring the season, Treu’s charges enjoyed their best form in the middle portion of the eight-tournament schedule, finishing runners-up to New Zealand in San Diego and Hong Kong before ending the Kiwis’ winning streak at 47 matches when they claimed the Adelaide Sevens title with a 15-7 victory.South Africa’s other results included twice losing in the semi-finals of the Cup, the primary competition at each event, twice winning the Plate final, and once finishing as runners-up in the Plate.New Zealand, after their long winning streak, comfortably topped the table on 154 points, with South Africa, on 106, narrowly holding off Samoa and Fiji for second place. The Samoans finished with 100 points and the Fijians with 94. Fifth-placed England were some way further back with 54 points.Fabian JuriesThe season was a personal triumph for long-time SA Sevens’ stalwart Fabian Juries, who topped the try scoring charts with 41, which was six clear of Samoa’s Alafoti Fa’osiliva, the next highest scorer.Despite the fact that he is not a kicker, Juries is sixth on the all-time IRB Sevens Series points’ scoring list with 895 to his credit. 865 of those points have come from 173 tries, which is second on the all-time list, trailing only Argentina’s Santiago Gomez Cora’s 197.Would you like to use this article in your publicationor on your website?See: Using SAinfo materiallast_img read more


December 19, 2019 0

Take Care of Each Other and Don’t Be Divided | Season 2 – Episode 24

first_imgSome thoughts on the two police officers being shot in Wsterville, Ohio and the school shooting in Parkland, Florida.last_img


December 9, 2019 0