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Planning your marketing pivot with updated member segments

first_img 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jennifer Laud Jennifer is a credit union marketing consultant and the owner of Jennifer Laud Consulting. She has a background in strategy and a passion for positioning credit unions to find their … Web: www.jlaud.com Details As summer approaches and the nation discusses what it takes to move forward during the pandemic, it’s time for credit unions and marketing teams to reemerge from our hunkered-down states.After weeks of anxiously watching how things unfold with the global health crisis, many of our members are starting to feel fatigued and ready for some good news to stay motivated. By now, messages of solidarity are beginning to sound a little stale. While that messaging was completely appropriate and necessary, it is now time to pivot from crisis mode into action once again.So, how do we connect with members and their desire for a bit of their old lives back, while still being sensitive to an ongoing pandemic and looming recession? We can start by understanding the changes within our member segments, and then create plans based on the new information.Evolving Member SegmentsSegments and member personas are powerful tools, but our old data is unlikely to be reliable. Information on income, assets and purchasing intentions may be drastically different than they were at the beginning of the year. As many people reassess what they are prioritizing, some behaviors may even be changed for the long-haul.Ernst and Young’s recent consumer index provides information on how consumer behaviors are adjusting due to the pandemic. As you look at your membership, see how many people now fall into one of these new segments:Hibernate and Spend (11%): These members are most concerned with the pandemic, but best positioned to deal with it. They are spending more, saying that products have changed, and that brands are now more important.Stay Calm and Carry On (26%): These members are not changing their spending habits.Save and Stockpile (35%): These members are not as concerned about the pandemic, but are worried about the impact to their families. They are pessimistic about the long-term effects.Cut Deep (27%): These members are the hardest hit, have the biggest change in behavior, and are most pessimistic about the future. Almost a quarter have had their jobs suspended, either temporarily or permanently. They are buying just the essentials and say brands are now far less important.How you approach changes to your marketing over the summer will depend on the sentiments of your membership and how their capabilities have changed. You must keep a clear understanding of how your segments are feeling and how their actions are changing.If you skew heavily towards members who have maintained many of their resources and are generally optimistic about the future, you can lean on your mission to seperate yourself from other brands. Focus on beefing up your digital offerings and marketing campaigns, while removing barriers for members maintaining social-distancing practices and assisting members in finding ways to enjoy everyday comforts while they are at home.For credit unions that have a more pessimistic membership and more individuals who have lost income or have fallen ill, your approach needs to be different. With these members, find ways to provide relief from their debt obligations and offer reasons to feel better about their long-term financial position. You can create solutions as their credit union, but also lean on your network and partnerships to give information about places they can find assistance or support.We can expect that at some point, everyone is going to transition out of their crisis segment and into their new normal. EY also offers five segments that we will likely see emerge:Back with a Bang (9%): These members are younger and working. Their daily lives were most disrupted, but they are also most optimistic and are spending as a result.Get to Normal (31%): These members are spending like they previously did and their daily lives were never really affected.Cautiously Extravagant (25%): These members are middle to high income and are focused on health. They will spend more in areas important to them.Stay Frugal (22%): These members are spending slightly less and trying to get back on their feet.Keep Cutting (13%): These members are the least educated and least likely to be working. They are making deep spending cuts, changing what they buy and how.As people reflect on what is important to them, some members will change the types of businesses they seek out and what things they consume. This is a huge opportunity for credit unions and one that we should be prepared for. Take a look at your process for gaining and onboarding new members. Work on necessary changes to offer remote solutions that are easy to use and incorporate your credit union’s personality.Prepare a number of short-term campaigns that you can pull out quickly as you analyze changes within your membership. Ideally, they’ll have some flexibility so you can make adjustments to keep them relevant and appropriate for your local environment. If you already have strong digital marketing skills, continue to flex those muscles when you plan delivery channels. If not, create a plan to develop those skills and utilize whatever social media, website, email, or digital ad knowledge you have already.For the long-term, this is a great time to take a step back and assess your position. You may decide that you’ve ignored your remote experiences in favor of face-to-face. Now may be the right time to make a shift in training and technology investment. Or, you may realize that this is the perfect opportunity to solidify your place in the local community and take advantage of potential members who are realigning their actions with their values. As we all respond to the shock of these current times, your credit union can do the same and come out the other side as a stronger institution, with stronger relationship ties with your members.last_img read more

Millen stunned by Pulis blow

first_img Pulis left Selhurst Park by mutual consent on Friday after reportedly falling out with co-chairman Steve Parish over transfers this summer. Palace had collected just four points from 11 games when Pulis was appointed manager in November but the former Stoke boss instigated a remarkable turnaround. The team finished 11th and 12 points clear of the drop – an achievement that saw Pulis named Premier League manager of the season three months ago. “We’ve lost a great leader of a football club and of men,” said Millen, who has been put in temporary charge for the team’s Barclays Premier League opener against Arsenal on Saturday. “He likes to control the club and what goes on in the club but he also controls the players. “He’s close to the players, he works them hard, he’s very structured and organised, he’s very single-minded. “He knows what he wants and the players understood that.” Pulis took training with the first-team on Thursday afternoon as normal before meeting Parish in the evening. It was decided there that the pair’s relationship was not sustainable and Millen was informed at 9pm he would take charge of the first team on Saturday. “You can see both sides of the argument,” Millen said. Crystal Palace caretaker boss Keith Millen believes the Eagles have lost a “great leader of men” after Tony Pulis’ shock departure from the club. “When you look at the structure of the club overall, there’s been a lot of work done at Selhurst Park and at the training ground. “We’re trying to build a club that can sustain staying in the Premier League. “It’s the balance of spending money on the stadium and trying to strengthen the squad. “Whether that’s been the source of the clash I don’t know but it’s about getting that balance of trying to do both.” The club’s technical coach David Kemp addressed the players on behalf of Pulis on Friday morning, expressing his gratitude for their hard work last season. Millen also took temporary charge of the first team in October after Ian Holloway left and the team picked up four points from four matches while he was at the helm. “When Ian left last time there was a sense that it might happen because the results hadn’t been going well,” Millen said. “There was disappointment when Ian left but also maybe a bit of relief as well because we’d been struggling so much. “This time, on the back of the season we had, it’s shocked the players in a different way. “They want questions answered as well on where we’re going as a club now.” Former Cardiff manager Malky Mackay has been installed as the early favourite to replace Pulis while Tim Sherwood, Neil Lennon and David Moyes are also available. Millen insists he is undecided on whether he would like to be considered but believes the appointment will be made quickly this time around. “The beauty of when Ian left and I took over was the chairman wanted to see what was out there and he was happy with what we were doing in the meantime,” Millen said. “I don’t see it taking so long this time. The timing of it means the transfer window shuts at the end of the month. “We are looking to do more business and it’s important the new manager picks those players.” He added: “I would have thought there won’t be any more players coming in until someone new is appointed. “Ever since I’ve been here the manager has had a big say in the players brought in and we want to get off to a good start so I think the chairman will be very proactive.” Press Associationlast_img read more

University Prep now 5-0 after important, 40-6 win over Allderdice

first_imgUNIVERSITY PREP’S MICHAEL SNOWDEN, left, an Akron recruit, shoves away Allderdice’s Latrell Childs en route to USO’s 40-6 win over Allderdice, Sept. 20. (Photos by Courier photographer Andre Swinton Jr.)by Courier Newsroom WHILE BOTH ALLDERDICE AND UNIVERSITY PREP fought valiantly, it was U-Prep, also known as USO, with the big, 40-6 victory, Sept. 20, on the South Side. UNIVERSITY PREP’S MESSIAH WILKERSONcenter_img Like us at https://www.facebook.com/pages/New-Pittsburgh-Courier/143866755628836?ref=hlFollow @NewPghCourier on Twitter  https://twitter.com/NewPghCourierlast_img

Sea Wall Plan Can Move Forward

first_imgNo date has been set to begin the project and Hanja explained, “The contractor’s schedule, to some degree, dictates when this can get started.”Monmouth Beach’s civil engineer, Bonnie Heard, said there are environmental restrictions for that water-front area, preventing the work to proceed from the end of March until September. “I would think September,” the project would move forward, Heard suspected.“We’re concerned about the timing impacting our summer beach season,” Long acknowledged. “But we have assurances from the DEP that they will work with us to minimize any negative impact.”Long said a pre-construction meeting was planned with the contractor and borough and state officials later this week.The stone seawall dates back to at least the early 1940s, according to some sources. It was built to protect the tracks for the Central Jersey Railroad, which ran a line along Ocean Avenue from Sandy Hook to Long Branch.The wall’s gap in Sea Bright was to accommodate the Octagon Hotel, a large beachfront resort at the time.This article was first published in the April 6-13, 2017 print edition of The Two River Times. “Sea Bright has identified this as a critical project going forward after Sandy because of the damage that we sustained during the storm surge,” said Sea Bright Mayor Dina Long this week.During Sandy, that gap in Sea Bright’s wall created a funnel effect accelerating the velocity of the water, with the tidal surge rushing into the downtown commercial and residential properties in the area. That surge and flooding caused millions of dollars in damages, in some cases destroying structures, and displacing residents and business owners for many months.Monmouth Beach had less damage than Sea Bright, but damage nonetheless. Howard remembered that, because of the open area, “FEMA knows more damage was sustained coming from the ocean at the bathing pavilion down Valentine Street.” She believes it motivated the federal agency to advance this project. “By closing these gaps, it will absolutely protect these areas,” said Monmouth Beach Mayor Susan Howard.The project was initially announced in August 2014. According to the DEP’s press release at the time, the state would contribute $8.5 million toward the overall approximate $28 million project and it was expected to go out to bid later in 2014 with construction commencing in 2016. FEMA and the state DEP are cooperating in a project, originally announced in 2014, that would build a new section of the pro- tective sea wall in the area of the Monmouth Beach bathing pavilion on Ocean Avenue. Photo by Nikole J. GhirardiThe project, however, was stalled by a lawsuit brought by one of the contract bidders, which objected to the criteria the DEP used to award the contract to another company, the lowest bidder, with the plaintiff also arguing the winning contractor’s bid was materially deficient because it failed to meet the contract specifications. The Appellate Court on March 29 rejected the argument, ruling in favor of the state and the winning contractor, JFC Construction, Jersey City.As the legal wrangling played out, the DEP installed a temporary metal sheet wall in the gap area in Sea Bright as a stopgap measure, according to Long.Lawrence Hanja, a DEP spokesman, said the contractor was notified following the court ruling and, “We’ll be looking to mobilize to begin the process as soon as possible.” By John Burton | The long-delayed protective sea wall project will proceed in both Sea Bright and Monmouth Beach, following last week’s ruling by a state Superior Appellant Court.The court ruled in favor of the state Department of Environmental Protection (DEP) in a lawsuit brought by one of the project bidders. The ruling now allows the protracted repair and building project to finally move forward on portions of the stone sea wall running along Ocean Avenue/Route 36 in Monmouth Beach and Sea Bright.The project is being done in cooperation with the DEP and with the Federal Emergency Management Agency (FEMA) and would repair portions of the wall damaged by Super Storm Sandy on Oct. 29, 2012.Along with patching and repairing sections of the wall, the major portion of the project involves constructing the wall in stretches where it hadn’t previously existed. In Sea Bright that area is the approximately 1,000-foot stretch on the eastern side of Ocean Avenue facing the public beach in the downtown business district. In Monmouth Beach, plans call for the construction of a 675-foot section of wall in the vicinity of the Monmouth Beach bathing pavilion, a borough-owned and operated beach and pool club at 29 Ocean Ave.last_img read more

Ex-Warrior Andrew Bogut provoked Chinese over a tweet weeks before Rockets GM did likewise

first_imgBefore there was Daryl Morey, there was Andrew Bogut, sowing discord and international unrest.Whether you’ve hung with Bogut, personally or virtually, you probably are aware that the former Warriors center is the possessor of a keen wit which he is unafraid to unleash. Recently he took it out for a stroll.Background: Sun Yang is the most successful swimmer China has ever produced. He also is polarizing. He served a three-month suspension in 2014 for using an illegal stimulant. Members of his …last_img

VW South Africa to export Jettas

first_img9 May 2008Port Elizabeth-based Volkswagen South Africa has secured a contract to export the latest version of the Jetta sedan to countries that also use right-hand-drive vehicles, enabling the company to achieve record export volumes this year.In a statement this week, the company said that its South African operations would export in excess of 40 000 vehicles in 2008, a figure that includes the new export contract for 10 260 VW Jettas to countries including Australia, New Zealand, Japan, Great Britain and Ireland.“The Volkswagen world-wide group posted record sales in 2007 which continued into the first quarter of 2008, placing the group’s world-wide production facilities under capacity pressure,” said VW South Africa MD David Powels. “As a result, Volkswagen of South Africa has been given the opportunity to build 5th generation Jettas for these key right hand drive markets.”The additional export order is above existing plans to export 21 000 5th generation Golfs and 8 800 5th generation Polos in 2008 to various countries in the Asia Pacific region, with the bulk of the vehicles going to Japan.Powels said the order provided the perfect opportunity for the local operation to demonstrate to both the Volkswagen Group and its customers around the world that South Africa was capable of producing world-class quality products.“This additional export contract is particularly welcomed during a period when volumes in the domestic market are under pressure from macro economic factors well-known to us all,” he said.“We plan to build around 100 000 vehicles in our plant in Uitenhage (in the Eastern Cape province) this year, of which 40% will be exported.”Volkswagen of South Africa will celebrate a number of export milestones in 2008 – by the end of April, 100 000 5th generation Golfs will have been exported into countries in the Asia Pacific region. In addition, by the end of June, Volkswagen of South Africa will have exported a total of 350 000 vehicles into various markets around the world.Motor Industry Development ProgrammePowels said that VW South Africa had embraced the principles of the Motor Industry Development Programme from its inception, which has enabled the company to embark on an aggressive export strategy that is optimised not only for fully built up vehicle exports, but also for engine and component export contracts.“In fact, the export business is at the core of our business strategy going into the future,” he said.“It is critical that the Government not only clarify the future of the Motor Industry Development Programme on an urgent basis, but also structure it in a way that continues to encourage the South African manufacturing industry to optimise production platforms and maximise production volumes to both domestic and export markets.”Powels said that the Volkswagen Group had been extremely supportive of VW South Africa’s export initiatives, and the latest contract to manufacture and export the newest generation of Jettas to key markets was a clear indication of the confidence that the group had in the local operations.“Together with the Volkswagen Group, we are developing an aggressive long-term export strategy for Volkswagen of South Africa, which will enable it to continue to import the premium segment Audi brand, and the entire Volkswagen commercial vehicle range,” he said.“We are confident regarding the longer-term prospects for Volkswagen of South Africa as a volume manufacturer of globally competitive vehicles.”SAinfo reporter Would you like to use this article in your publicationor on your website?See: Using SAinfo materiallast_img read more

Review of Scoot’s 787

first_imgA Scoot Dreamliner. Photo: Scoot Scoot in just its first few years of operation has managed to raise the bar in the low cost travel market. From an entire fleet of twin aisle aircraft, a child free cabin plus plenty of seating options, the airline offered something for everyone at rock bottom prices.The airline then raised the bar again last year by being the first in the world to operate an entire fleet consisting only of  brand new Boeing 787 Dreamliners.  Last year AirlineRatings went on board to review Scoot’s inaugural 787 flight between Perth and Singapore  See our video onboard the inaugural flight here. An energetic crew welcomed us on board and upon turning the corner to walk down the aisle, we were met with what can only be explained as “the funkiest” cabin lighting I’ve seen.   It’s the sort of lighting that creates an energetic vibe and actually relaxes a nervous flyer. I was told that the lighting is only reserved for special flights and true to their word, on the return flight it was unfortunately back to the standard interior. Hopefully Scoot will change their policy on this and use this mood lighting on every flight as it is quite a unique experience for passengers. The CabinsThe seating in the Economy Class cabin features a 31-inch seat pitch and seat recline of 6 inch making it the greatest recline of any low cost carrier operating in the Asia Pacific area.  The Scoot-in-Silence cabin ( where no children under 12 are permitted) is retained on the Dreamliner however, unlike on the old 777, there is no curtain, just a bulk head separating it from Economy Class.  This cabin with its extra legroom (seats have a 35 inch pitch) is genius and sales prove that it is popular with the travelling public. I did have one concern on the Dreamliner however.  There is a large area of space between the Scoot-in-Silence cabin and Economy where people can have a stretch. It’s also the perfect area for parents to pace back and forth with their upset babies and passengers in the quiet cabin did mention this on the return flight.Both Economy and Scoot-in-Silence cabins have in seat power but you need to pay $8 Singapore dollars to use it. At first I thought this was a little cheeky, but the reality is that this is a low cost carrier that offers one way fares as low as $129 Australian dollars and the options are there for a reason. If you want more comfort and entertainment, then you pay for it, otherwise, enjoy your cheap fare, be organised and power up your device first.Scoot Business Class or “Scoot Biz” as it’s called, is not your typical Business Class, it’s more of a no frills Premium Economy and it’s at this point that you need to remember you only paid $400-$500 for this “Business Class” not $2,000 and keep your expectations in line. The seats, covered in a black leather have a 38 inch seat pitch, 8 inch recline and come with complimentary in seat power, in flight entertainment (to be streamed to your own device), and an extendable leg rest.Water is offered when you board the aircraft and passengers are served a complimentary hot meal with one beverage (alcoholic or non alcoholic) but after that everything else is buy on board. There are no blankets, pillows or amenity kits. FOODThere’s lots of different options when it comes to food depending on what you want to pay. My opinion is that if you are going to order food – pay for the premium meal selection at the time of booking and get the better product.  I’ve mentioned it in previous reviews and still feel that the food on Scoot is the airlines only real let down.  Again, it needs to be remembered that this is a low cost carrier and it’s not about the food it’s about safety and value  – which Scoot excels in, but if you’re a foody – you’ve been warned.NOTE: Some menu changes have occurred since this review, please see the latest menu and options here.Passengers also need to remember that this is a low cost carrier and therefore water also needs to be purchased on board. My suggestion is to bring empty water bottles through security with you and fill them up in the departure lounge (where you can) before boarding. Light meal option on Scoot. Business Class light meal with a complimentary wine.  All other purchases outside this must be paid for.The standard hot meal choice for Economy and Scoot-in-Silence passengers who have opted not to upgrade to a premium meal. IN FLIGHT ENTERTAINMENT WiFi is available and movies/TV shows can be streamed to your own device from the onboard library ( all for a fee)..  We gave the WiFi a go and were impressed with the speed. At times it was slow but ultimately, provided you aren’t downloading big files, it worked well for some basic communciation from the sky and the posting of photos to social media. OVERALL EXPERIENCEThe open space, higher humidity and overall quiteness of the Dreamliner leave you feeling a lot more refreshed when compared to spending the equivalent amount of time on any other aircraft. Scoot, with it’s large twin aisle aircraft, WiFi, generous seat recline, multitiude of options for legroom and consistently cheap fares and excellent customer service phone line (with real people!) are what makes this a world leading low cost carrier and AirlineRatings.com Best Low Cost Carrier award winner for Asia Pacific year after year.Suggested Read: Our world’s best airline award winners.Sharon flew as a guest of Scoot in 2015emailtwitterlast_img read more

Hey, Boss? I’ll Be Working From The, Uh, Park Today

first_img8 Best WordPress Hosting Solutions on the Market Related Posts readwrite Why Tech Companies Need Simpler Terms of Servic… A Web Developer’s New Best Friend is the AI Wai…center_img Top Reasons to Go With Managed WordPress Hosting Tags:#Google#now#Wi-Fi Google will cover the $600,000 cost of providing public wireless Internet to 31 San Francisco parks, plazas, and recreation centers. The tech giant’s gift will cover equipment, installation and maintenance for two years. Installation should begin this November, with service scheduled to be up and running by next April.Check out the full list of the 31 chosen parks here.Image via Flickr user Elvert Barnes, CC 2.0last_img

20 days agoBrighton boss Potter delighted with Alzate deal

first_imgBrighton boss Potter delighted with Alzate dealby Paul Vegas20 days agoSend to a friendShare the loveBrighton boss Graham Potter is delighted with Steven Alzate’s new deal.Alzate signed a new four-year deal with the Seagulls yesterday.Potter said, “He’s been with us from the start and has done very well since he came into the group.“He’s not looked out of place at all; sometimes youngsters can come into the group and have a session or two where you might notice a difference in levels, but that hasn’t happened with Steven.“The others can see his quality every day he’s with us, that naturally grows his confidence. It’s never straightforward, but he performed well against Newcastle and I think he can continue to develop and improve.“Against Chelsea he showed his adaptability in terms of starting in one role and then ending the game in midfield, so I’ve been really pleased with him. We have to make sure he’s playing to his strengths as often as we can – he can take the ball in tight situations and is good physically too, as well as being dynamic in his movement.” TagsTransfersAbout the authorPaul VegasShare the loveHave your saylast_img read more

13 days agoLiverpool hero Heskey: Klopp shouldn’t rest Salah and Mane

first_imgAbout the authorPaul VegasShare the loveHave your say Liverpool hero Heskey: Klopp shouldn’t rest Salah and Maneby Paul Vegas13 days agoSend to a friendShare the loveLiverpool hero Emile Heskey says Jurgen Klopp shouldn’t rest star pair Mohamed Salah and Sadio Mane. Heskey is adamant that Klopp should not be worried too much about the health of Salah and Mane, insisting that the duo will want to play as many games as they can.“Salah and Mane won’t want a rest and Liverpool shouldn’t give them one,” Heskey told bwin.“They’ve played a lot of football over the past few seasons, but as a player, you want to be playing as much as possible. When you look at the pair of them, they just love being out on the pitch and playing football – they’re a manager’s dream.“In the modern game, players are complete athletes. Although they’ve played a lot of games it won’t be the physical side that catches up with them, it will be the mental side.”It can sometimes be draining playing so many games without a break, so they may want to take a break for those reasons. However, they’ll both physically be as fit and ready to go as any other player.” last_img read more