22SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,James Robert Lay JAMES ROBERT LAY is one of the world’s leading digital marketing authors, speakers, and advisors for financial brands. As the founder and CEO of the Digital Growth Institute, he … Web: https://www.digitalgrowth.com Details Take a few minutes today and ask those who work with you the following question: In 30 seconds, tell me why I should open an account at our financial institution.First, ask your executive team and record their answers.Next, ask everyone on the front line, including those in lending and the call center, and record their answers.After you complete these surveys, look for patterns in the responses and identify the three most common answers.Finally, ask the same question to other financial institutions in your community by giving them a call or walking into their branch.Is the story they are telling you any different from the one you are hearing from your colleagues about your financial institution?The Problem: People Are Not Coming Into BranchesThis exercise you have completed has not been done in vain.The issue is that by the time a consumer talks to a person at your credit union, if they decide to at all, the consumer is already pretty far down in their buying cycle for making a purchase decision. At this point, they are simply looking for the last bit of confidence they require to make their purchase decision.But before the time they speak to someone, the consumer has already used 8-10 different resources in their buying journey to help them gain the confidence they need to move forward to open an account or apply for a loan.These resources might include:A Google searchYour websiteA competitor’s websiteOnline consumer reviewsAsking for recommendations via social mediaTalking with their friends and familyConsidering the critical role your website and other digital channels play in helping to guide a consumer to open an account or apply for a loan, I would now like you to conduct a second exercise.Review your website’s key product page copy, including:Checking accountsAuto loansMortgagesCredit cardsSmall business productsCopy and paste the text on these pages into a blank document and remove any mentions of your brand.Now, repeat this same process for your primary competitors.Once again, what common patterns do you find in the stripped-down product copy examples?When using these exercises in our engagements with clients, the same patterns emerges. After asking the question from the first exercise (in 30 seconds, tell me why I should open an account at your financial institution), we hear the same responses:We have great rates.We have amazing service.We offer some great products with FREE __________.During the second exercise, we find no differentiation between our client’s product page copy with their competitors. In fact, many people cannot even identify their own financial institution’s product amongst the competition.At the conclusion of these exercises, we rhetorically ask, “If you cannot even distinguish your credit union from your competitors, what makes you think a typical consumer can tell the difference?”We understand how hard it is for your bank or credit union to stand apart when you are promoting the same things as everyone else. But there is a better way to tell your story and rise above the commoditization of financial services.The Solution: Tell a Digital Story That SellsI recently spoke about the importance of Digital StorySelling to over 500 financial marketers at the CUNA Marketing and Business Development Council Conference.And in under seven minutes, I outlined how credit unions can grow by going beyond the traditional narratives they are currently telling.In a digital economy, where financial services are commoditized, banks and credit unions can no longer play the role of the heroes in the stories they tell.This unconventional approach to marketing and sales does, however, require a radical shift in the way credit unions position themselves. And we have found this change makes some executives very uncomfortable.But we believe that those who lean into their discomfort will be the ones who discover a new way to lead their credit union into future digital success.Download our Ebook How to Tell a Digital Story that Sells and we’ll guide you through the Digital StorySelling process.
Embed from Getty ImagesMark Hughes believes a failed attempt to sign Kurt Zouma for QPR five years ago helped him recently secure a season-long loan deal for the Chelsea defender. The Stoke boss has snapped up Zouma, having previously tried to sign him during Hughes’ ill-fated spell as R’s manager, when a number of clubs wanted to buy the Frenchman from St Etienne.Zouma eventually opted for a move to Stamford Bridge and Hughes feels his previous contact with him helped Stoke beat off competition from other clubs to sign him.“When you’ve had contact with players before – and I came close to signing him at a previous club when he was only 16 or 17 – sometimes that can help,” Hughes told The Sentinel.“You can say, ‘I wanted you five years ago and now we’ve got an opportunity to get you to my club again and I want to do it.’ That resonates with players sometimes.” Follow West London Sport on TwitterFind us on Facebook
The mood at a NASA Astrobiology Institute conference is very upbeat, according to Leonard David at Space.com, reporting from the meetings in Boulder, Colorado. The participants have set their goals high:Consider it nothing short of the cosmic quest for all time: Understanding the origin, evolution, distribution, and fate of life on Earth and in the Universe. That’s a tall order . . . but within the sights of experts gathering here this week to take part in the 2005 Biennial Meeting of the NASA Astrobiology Institute. (Emphasis added in all quotes.)Much of the excitement comes from a flood of data about Mars, Titan and extrasolar planets. But these objects provide only information about solid, liquid and gas – no biology yet. That’s enough, though, to get Jill Tarter of the SETI Institute promoting astrobiology like a high-energy TV commercial:What a fabulous opportunity to think about the boundaries of what that life might be like,” Tarter said. “The planets are there. We can’t deny that anymore. It’s really setting the backdrop and driving forward everybody’s thinking. So it just gets more exciting to think about how nature might have generalized biology and geology,” she said.Much of the excitement also stems from prospects for discovery in the future, from the Kepler, Terrestrial Planet Finder (TPF) and Space Interferometry Mission (SIM) projects, and NASA’s “Moon, Mars and Beyond” initiative. One participant seemed like a wet blanket in the party. Nick Woolf (U of Arizona) echoed the feelings of Fritz Benedict earlier this month (see 04/04/2005 entry): “I started off expecting Earth-like planets to be very common . . . and have become steadily more cautious. That does not mean that my change of opinion is correct. I believe that the attitude we should adopt at the present is agnostic.”Astrobiology is like futureware on back order. None of the actual data returned by MER or Cassini, and none of the exoplanets so far detected, provide any hint that life exists, or has existed, or is even possible at any of these places. Remember the realistic lab tests of amino acid survival in a Martian environment? (See 01/28/2005 entry.) The poor molecules were destroyed within hours. We have seen nothing but rocks, ice and gas so far, but these scientific charlatans are already claiming to be experts about the origin, evolution, distribution and fate of the universe. Learn the lesson of Greenwater, a ghost town in Death Valley. In 1904, this desert hideout mushroomed into a boom town with nearly two thousand people, a bank, post office, saloon (but no church), a lively newspaper (the Death Valley Chuck-Walla), and exuberant enthusiasm – all fueled by rumors that there wuz oodles o’ copper in them thar hills. Famous investment advisors like Charles Schwab promoted the site as one of the richest digs on the globe, and speculators jumped on the bandwagon, spending fortunes on stock with nothing behind it except promises. The boom began to go bust when miners actually began digging in the hills and came back with only pitiful amounts of low-grade ore. Most townspeople had left by 1908; the last mine gave up hope in 1911. Today, literally nothing remains of the town: only the rocks, sand, lizards and desert bushes that endured the harsh environment before a lot of foolish people arrived with dollar signs in their eyes, eyes that soon got blasted with the hot winds of reality. Must have been quite a counseling job for the last barkeep. There’s nothing wrong with looking. It’s good to have prospectors out there with their burros and pickaxes. Maybe one will find that rare rich vein of ore. In the meantime, though, better watch where you invest your philosophical assets when the salespeople come to town selling stock in eternal wisdom with nothing in hand but irrelevant details and empty promises. Isn’t it ironic that creationists tend to be the agnostics, and the emotional evangelists are the scientists – or, more precisely, the evolutionists wearing science costumes.(Visited 6 times, 1 visits today)FacebookTwitterPinterestSave分享0
The Ministry of Health is to remove from the market, the four brands of toilet tissue found to be contaminated.At the Jamaica House press briefing held at the Office of the Prime Minister on Wednesday, April 17, Permanent Secretary in the Ministry, Dr. Jean Dixon and Chairman of the Bureau of Standards Jamaica (BSJ), Dr. Winston Davidson, outlined details on the issue, which has raised concern among Jamaicans. Samples of the brands, tested by the BSJ, indicate high levels of bacteria, which may cause infections.The BSJ is to submit details of its test results to the Ministry of Health on Wednesday. The Ministry has launched its own investigation following the findings of the BSJ.“We are not proposing to retest, but certainly, one of the issues we will be looking at is the sampling protocols and to see if there are any trends,” Dr. Dixon said.“Contamination of the products that we use could happen at any stage in the chain…so we will be having further dialogue with our colleagues at the Bureau on this matter. We will have to look at the organisms that are involved to see (if) these organisms are restricted to toilet paper…would the level at which we are finding them be cause for concern,” she noted further.Meanwhile, Dr. Davidson stressed that despite public calls for the names of the contaminated brands to be published, the standards testing agency has to be cautious in its actions. He said the agency does not have the “legal coverage” to make the information public and must be mindful of bringing the agency’s credibility into question. “If we had the particular legal coverage to do it, it would have been done long ago,” he stated.“The fact is that the Bureau is a scientific institution, and we give the facts as they are, satisfied by objective data. One test will maybe carry you into five days, and you have to be careful that you do not give test results that are spurious and put you in disrepute. So this particular exercise has been very carefully done,” he stated.“We know that the public has a right to know, and we would like to give the public all the information, but there are some constraints that we face,” he added.Meanwhile, in light of the development, Dr. Davidson said the Bureau is looking to have tissue added to its protocol list. He said the agency only performs tests on products that are provided for within its protocol and tissue is not among the list of items.“We did not have toilet tissue evaluation as part of our protocol. Companies exporting to Jamaica therefore do not have that as a precondition for export to Jamaica. It means that if we embark on taking a decision to stop a company from coming into Jamaica, we expose ourselves to the question – it was not on your protocol list, therefore on what basis do you stand?,” he stated.The Bureau is halfway through testing the 60 brands of tissue that are available on the local market and has, to date, publicised 24 brands that have passed the standards tests. Sixteen of those brands are locally produced. It takes a minimum of one week for microbiological tests to be completed. The Bureau also said the four samples/brands identified with high bacteria counts have been under detention for the past nine weeks and a recall has been issued for any product that had been previously distributed. Comparative testing is currently being done on these samples.Importers of brands with unacceptable levels of bacteria will be required to either re-export or destroy the product. Where destruction is selected the BSJ will monitor the process.By Alphea Saunders, JIS Reporter
LEAVE A REPLY Cancel replyLog in to leave a comment SJ Harris died on Monday morning in Vancouver while shooting an action sequence for the film Deadpool 2. (SJ Harris/Instagram) Advertisement The American stunt rider who died in Vancouver on Monday while shooting an action sequence for the film Deadpool 2 has been identified as SJ Harris, a 40-year-old from New York City.Harris died after her motorcycle crashed through the window of the Starbucks in Shaw Tower, near Jack Poole Plaza.According to the BC Coroners Service, Harris’s family will issue a statement later today.Friend of stuntwoman SJ Harris says she ‘died doing what she loved’
OTTAWA — A timeline of Canada Post job action:Between 1965 and 2005:-19 strikes, lockouts and walkouts-Workers legislated back to work in 1987, 1991 and 19972007:-No labour disruptions as CUPW strikes four-year deal with Canada Post2011:-48,000 Canada Post workers begin job action June 2 with rotating strikes-Canada Post locks out workers June 14, saying it can’t operate under constant threat-Conservative government tables back-to-work bill June 20; stoppage ends June 272016:-CUPW wins challenge of previous back-to-work legislation in the Ontario Superior Court-Union and management sign two-year contract Aug. 30 without new disruption2018:-Canada Post workers begin rotating strikes in different cities Oct. 22-Labour Minister Patty Hajdu tables back to work legislation Nov. 22-Canadian Union of Postal Workers vows to fight in court if bill passesThe Canadian Press
Beijing: In a bid to curb piracy, China’s e-commerce giant Alibaba has come up with ‘video fingerprints’ technology that gives each original video a unique online identity. Short videos have become a popular form of advertisement for sellers on Alibaba’s e-commerce platforms Taobao and Tmall. But the videos are often left unpatented due to a cumbersome process, Xinhua news agency reported on Wednesday. To curb this malpractice, Alibaba’s security lab has created ‘fingerprints’ for all original videos on Taobao and Tmall, said He Yuan, a senior algorithm expert at the lab. Also Read – Thermal coal import may surpass 200 MT this fiscal The fingerprints can be used to identify the video even if it is trimmed or its images modified, he added. Businesses participating in the project can upload their videos and have ‘fingerprints’ generated automatically. Once qualified as an original video, any other videos with high similarity will be reported to the business owner. After being online for about a month, more than 7,000 businesses have signed up to participate in the project, said Alibaba.
TRIPOLI – Gunmen attacked a central bank van in the Libyan city of Sirte on Monday, stealing $54 million in different currencies, the official Lana news agency reported.The report said “10 heavily armed men” had made off with the funds, which were destined for the Sirte branch of the Libyan central bank and had been flown to the city from Tripoli.Citing an source from the local branch of the central bank, LANA said that the gunmen stole “53 million Libyan dinars ($42 million)” and another $12 million in US dollars and euros. The gunmen attacked the van on the road between Sirte airport and the town itself, 500 kilometres (300 miles) east of Tripoli, LANA said, without saying if there had been any casualties.Only one security vehicle had been assigned to protect the van, and the agency said that the guards “were unable to resist the 10 attackers.”Sirte, the last bastion of support for dictator Moamer Kadhafi to fall to rebel forces in the 2011 uprising, has largely been spared the wave of violence that has swept the country since the strongman’s ouster.The eastern city of Benghazi — cradle of the 2011 uprising — has seen a series of attacks in recent months, including the bombing of a reception hall early Monday which caused damage but did not wound anyone.
🇷🇺Alexander Grischuk116.9– Based on 1 million tournament simulations using Elo ratings for each player.Sources: 2700chess.com, author’s analysis 🇦🇿Shakhriyar Mamedyarov317.6– PLAYERWORLD RANKCHANCE OF WINNING 🇦🇲Levon Aronian221.2%– 🇷🇺Vladimir Kramnik711.9– The American men’s soccer team is missing out on next year’s World Cup, but members of a different U.S. national team will have a shot at international glory. The elite field for chess’s Candidates Tournament is now set,1The eight grandmasters qualified via a few chess-world paths: the official ratings lists, the just-completed FIDE Grand Prix, the Chess World Cup and an organizer’s wild-card selection. The runner-up in last year’s World Chess Championship also qualifies. and two American grandmasters have qualified: Fabiano Caruana and Wesley So. The winner will go on to play for the World Chess Championship, the game’s pinnacle title, and the probability that it will be either Caruana or So is about 30 percent. An American hasn’t won a world championship since Bobby Fischer did in 1972.The Candidates Tournament, a 14-game double round robin, will take place March 10-28 in Berlin. The winner challenges the reigning world champion and world No. 1, Magnus Carlsen of Norway, in a one-on-one, 12-game match for the title later next year. (The date and location of that match have not yet been announced.) Carlsen successfully defended his title in a tense match last year in New York City; he’s been world champion since 2013.Who is likely to be next to challenge the champ? Using the eight candidates’ most recent Elo ratings, I simulated a million hypothetical Candidates Tournaments and tallied the winners. Here are each player’s chances of winning the tournament based on those simulations: 🇺🇸Wesley So612.3– 🇨🇳Ding Liren108.4– Candidates Tournament simulations 🇷🇺Sergey Karjakin134.2– 🇺🇸Fabiano Caruana317.6– It’s a wide open race: Five players have a better than 10 percent chance of winning the tournament and challenging Carlsen. At the top, Levon Aronian, the world No. 2, has a roughly one-in-five shot. At the bottom, Russia’s Sergey Karjakin, the runner-up in the 2016 World Chess Championship, has a roughly 4 percent chance. The most notable absence from the field is the world No. 5, Maxime Vachier-Lagrave of France, who narrowly missed qualifying on a few different fronts.Both of the Americans in the field transferred to the American team — Caruana from Italy and So from the Philippines. They are now the flagships of a broader movement, fueled by money and imported talent, to make American chess great again. Caruana has roughly an 18 percent chance and So a 12 percent chance of winning Candidates. In the 2016 Candidates, Caruana missed winning by a single point. This will be So’s first Candidates.You don’t need to wait until March to watch these grandmasters do battle, however. Caruana and So are slated to play in two major tuneup tournaments: the London Chess Classic next month and Tata Steel in the Netherlands in January. Many of the candidates will be sparring there — alongside Carlsen himself — before they head to Berlin.Read more: American Chess Is Great Again
Ohio State freshman midfielder Jake Withers goes down to the ground toward a loose ball while being defended by Michigan sophomore midfielder Chase Brown in the second quarter of OSU men’s lacrosse 15-6 victory April 12 at Ohio Stadium. Credit: Dan Hope / Lantern photographerFor the briefest of moments, it seemed like the Michigan Wolverines were going to come to Ohio Stadium and pull an upset against the Ohio State men’s lacrosse team.A three-goal deficit early in the second quarter seemed to be a bad omen for the Buckeyes, who started the year winning one of their first five games.But OSU (5-6, 2-0) held Michigan (4-9, 1-3) scoreless in the second half, and pulled away in front of a season-high crowd of 17,641 to earn a 15-6 win Saturday in Ohio Stadium.OSU coach Nick Myers said the game presented his team with the opportunity to get a huge win in front of a larger than usual crowd due to the Spring Game.“For us, keeping it under the right microscope, it’s a league win and second to that, it’s a chance in front of a really special crowd,” Myers said. “I know our men understand the responsibility of what it means to put on that Block ‘O.’ We were excited about coming out here and defending it against one of our rivals.”Winners of four of their last five, the Buckeyes fell behind early after the Wolverines jumped out to a 5-2 lead less than two minutes into the second quarter.However, led by junior midfielder Jesse King, OSU battled back to even the score at six heading into halftime. King, who finished the game with five goals and an assist, now has 21 points in his last three games.King said the Buckeyes started poor, but found a way to turn things around and calm the game down.“We started rushing things a little bit on our offense, we were getting a little tedious and playing a little fast,” King said. “We just slowed things down and made it really simple.”Senior defenseman Joe Meurer said the job the offense did maintaining possession was a big reason why the defense held Michigan without a goal for the last 35:24 of the game.“Usually the best defense is an offense,” Meurer said. “I don’t think we lost more than three faceoffs in the second half, so that is a tribute to the hard work that the faceoff guys are putting in and the offense. They’ve been playing extremely well lately, and they kept the ball down in their end so we didn’t have to play.”King said freshman midfielder Jake Withers, who won 16 of 25 faceoffs during the game, has been improving week in and week out, and he expects great things to come.“Jake’s a really talented player,” King said. “A freshman coming in and he’s one of the guys that is stepping up really big for us. I can’t wait to see what else comes from him.”Offensively, the Buckeyes had five players register three or more points, including sophomore attackman Ryan Hunter, who scored a career-high four goals in his second career start.Defensively, OSU got another stellar outing from senior goaltender Scott Spencer, who made nine saves to improve to 3-1 on the season in replacement of injured senior goaltender Greg Dutton.Up next, OSU is set to play its final home game of the regular season against Air Force, April 19 at 1 p.m.Meurer said despite the win today, the Buckeyes need to stay the course and focus if they want to finish the season with a chance to make their second consecutive postseason appearance.“It’s huge but at the same time we can’t get complacent,” Meurer said. “We know there is still a long road ahead for us and we are going to continue to work hard and get better every day.”