Money 20/20 buzz speaks to opportunity for credit unions

first_imgKey is using in-demand tech tools to leverage and build trusted relationships, especially with millennials.by: Marc RapportWe’ve arrived at the point where the convergence of mobile and security gives credit unions perhaps unprecedented opportunity to leverage the trusted relationship they have with members.That was my conclusion after three days at Money 20/20. Why? Because the mantra was “engage the consumer, reward the consumer, build loyalty with the consumer, and protect the consumer.”That’s what credit unions are supposed to be doing. And I didn’t see anything techie at the Las Vegas show that credit unions couldn’t deploy if they wanted, including myriad loyalty apps and several know-your-customer plays. (With the notable exception of virtual currency platforms.)It also is apparent that boundaries are dissolving between telecom, high tech, and financial services providers, producing unprecedented collaboration at the same time as bitter competition (Wal-Mart and the Merchant Customer Exchange vs. Apple Pay and the major card brands, for instance.)As conference attendee Belinda Caillouet, chief operations and information officer at Spokane Teachers Credit Union ($2B, Spokane, WA), observes, “It’s interesting to hear that the big guys — BofA, Citi Bank, Facebook, Microsoft, Living Social, Visa — are talking about collaboration and the importance of working together. We’ll see if that really plays out.” continue reading » 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

History of medical aid

first_imgSteven Weiss, Weiss & Associates, ParklandsI read with interest your column “Medical aid joiner’s penalty cuts deep (Off My Trolley, December 18), concerning late joiner penalties for some medical aid members. As an assurance broker myself and one who also pays a LJP, I think that there area few points which need further explanation. Back in the day, a few decades ago, individual medical aid was individually underwritten based upon the client’s personal risk profile. There was not a universal, one rate fits all premium as there is now and unlike now an application for cover could be declined. One’s medical history, gender and premium rate used to reflect the appropriate rate for an applicant, though if one were a member of a sizable group an average rate would be applied. However, the Council for Medical Schemes (CMS) decided to require medical aids to charge “community” rates rather than individual rates according to risk evaluation. Since this rating methodology is clearly financially unsound, the CMS allowed medical aids to adjust their rates for those who joined medical aids over the age of 35 to avoid having only ill or older persons join medical schemes at will. The more years one was uncovered by a South African medical aid the higher the permanent monthly premium loading. This permanent monthly premium loading ranged from a nominal 5% to as much as 75%. Other cover adjustments could also be applied allowing for a general waiting period of three months and a 12 month specific pre-existing condition exclusion. Proof of prior medical aid cover, however, could be used to reduce the LJP even to zero.The CMS also required that medical aids provide cover for a long list of the most common chronic conditions under its Prescribed Minimum Benefits provision. In addition, broker commissions were massively reduced and paid as earned rather than annualised, making it uneconomic to market individual medical aid. So, unless a client is offering a broker collateral business, the broker can ill afford to spend much time discussing and servicing medical aid cover. The rule “caveat emptor” applies under this government controlled regime.last_img read more

Triumphant Vettel on brink of world title

first_imgNot even two appearances by the safety car, or the worrying sight of his team-mate Mark Webber climbing out of his burning Red Bull, was enough to stop Vettel’s fourth win on the bounce.He took the chequered flag 4.224sec ahead of Kimi Raikkonen of Lotus, who just beat team-mate Romain Grosjean to the line for second.Sauber’s Nico Hulkenberg and Mercedes’ Lewis Hamilton, who started second on the grid, were fourth and fifth.Vettel’s third win on the trot in Korea means he has racked up 272 points, a mammoth 77-point lead over nearest challenger Alonso, who came home sixth at Yeongam.“I’m loving what I do,” Vettel, booed at previous races because of his dominance, told the crowd from the podium.“I’m trying not to think about it to be honest,” Vettel told a post-race press conference, flanked by Raikkonen and Grosjean, when told he could win the title next week.“There are still a lot of points to get even though it looks very good for us. There is a chance for Fernando (Alonso) so we need to stay on top of our game.“To be honest, as I said on the podium, we are just having a good time. We enjoy the fact the team is working very well, the car is working — it’s very on the edge, to honest, probably more than you think from the outside.”The real battle on an overcast but dry afternoon next to the Yellow Sea was behind the German, with Hamilton and Grosjean duelling for long periods for second.Hamilton’s Mercedes team-mate Nico Rosberg was also in the mix before a problem saw sparks dance spectacularly from the front of his car as he overtook Hamilton on lap 28.An extended pit stop saw the German rejoin in midfield and he had to settle for seventh, with McLaren’s Jenson Button eighth.Felipe Massa of Ferrari and Sergio Perez of McLaren rounded out the top 10.Vettel was already streaking away at the first hairpin, where there was early drama when Massa spun around, causing his team-mate Alonso to run wide with Button and the Force India of Adrian Sutil suffering minor damage.The Brazilian Massa, who started sixth on the grid, found himself dumped down to the back of the field.There was another hair-raising incident on lap 31, when Perez saw a front-right wheel explode on the straight, catapulting rubber dangerously over the track and bringing out the safety car.But no sooner had the safety car departed than it was back out on lap 38 when Sutil was again in the thick of it, appearing to spin and take out Webber.The Australian’s Red Bull glided off the circuit and went up in flames, but Webber — who qualified third but started 13th on the grid because of a penalty — clambered out safely.0Shares0000(Visited 1 times, 1 visits today) 0Shares0000YEONGAM, South Korea, October 6 – Sebastian Vettel stands on the brink of a fourth world title in succession after he powered away from pole position to win a fiery Korean Grand Prix on Sunday.The unstoppable German, 26, could retain the title in Japan next week if he wins and Ferrari rival Fernando Alonso finishes outside the top eight.last_img read more

At least $1 billion needed to get on this list

first_img AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREThe joys and headaches of holiday travel: John PhillipsGates has held the No. 1 spot for the last 13 years while Buffett has been No. 2 every year since 1994 except 2000, when Larry Ellison of Oracle Corp. held that spot. Adelson’s expanding net worth is related in no small part to his decision to open a casino two years ago on the island of Macau, an emerging gambling haven off the southeastern coast of China. Profits are growing rapidly thanks to the Las Vegas Sands Corp.’s Macau casino. Adelson personally and through family trusts controls 70 percent of the company, Las Vegas Sands spokesman Ron Reese said. Forbes estimates Adelson earned about $1 million an hour over the past two years. In the second quarter alone, the Sands Macau property saw net revenue jump to $310.4 million, up from $205.1 million a year ago. To tap the demand from gamblers in Asia going forward, the Sands Corp. plans a second property on Macau and a casino in Singapore. The two Google Inc. founders were also big earners. Sergey Brin and Larry Page gained about $13 million a day over the last two years, according to Forbes. That puts them in 12th and 13th place, up from a tie at 16th place last year. NEW YORK – These days, it takes a billion – at least. For the first time, Forbes magazine’s list of the 400 richest Americans consists exclusively of people worth $1 billion or more. As a group, the people who made the rankings released Thursday are worth a record $1.25 trillion, compared with $1.13 trillion last year. In the billionaire-athon, casino magnate Sheldon Adelson pole-vaulted to No. 3 from 15 in last year’s ranking, finishing behind the mainstays at Nos. 1 and 2: Microsoft Corp. founder Bill Gates and Warren Buffett of Berkshire Hathaway Inc. Adelson is now estimated to have $20.5 billion, Buffett $46 billion and Gates $53 billion. Page and Brin also share the distinction of being, at 33 years old, the two youngest people on the list and two of only eight who are younger than 40. The list was led off by technologists, such as Gates, Microsoft co-founder Paul Allen, Dell Inc.’s Michael Dell and Ellison, and rounded out by five members of the Walton clan who have fortunes amassed from sales by the world’s largest retailer. Ellison, with $19.5 billion, moved to fourth place from fifth, while Allen, last year’s No. 3, was fifth this year with $16 billion. Dell fell to a tie at ninth place from fourth in last year’s list; he is worth $15.5 billion Adelson’s ascension knocks Helen Walton, the wife of Wal-Mart Stores Inc. founder Sam Walton, into 11th place with a net worth of $15.3 billion. Her children ranked in the bottom half of the top 10 this year. Each was worth between $15.5 billion and $15.7 billion, Forbes reported. Martha Stewart, founder of the eponymous Martha Stewart Living Omnimedia Inc., fell off the list completely.160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!last_img read more

4 Questions for Parents Before Booking a Hard-Ticket Event

first_imgShare This!Hard-ticket events like Mickey’s Not-So-Scary Halloween Party and Mickey’s Very Merry Christmas Party are tremendous fun for people of all ages, but they do come with a considerable financial cost. Before plunking down the hundreds of dollars to take your family to these after-hours extra events, here’s four questions that parents should ask themselves.1. Would my child enjoy this?Ask anyone who has seen a child melt down over a sandwich being cut the wrong direction and you know that kids can be VERY opinionated about what they like and don’t like, even if it doesn’t make sense to you. While your kid might enjoy trick or treating around the neighborhood, are they okay with a parade with dancing gravediggers? Will the sight of Santa send your little one into screams of anything but joy? If your child doesn’t like cookies, does an event like Mickey’s Very Merry Christmas Party where cookies are a primary treat cut into some of the value of the event? You’re paying a premium for holiday-themed experiences, and so if your child won’t be cool with those holidays, there’s no sense in paying the extra for it.©Rikki Niblett2. Can my child stay awake?These parties are all nighttime events, and that’s late even for some adults. If you stay to the end of the event, you’re looking at midnight or later–and then you still have to get them back to their bed at home or hotel. If your child is guaranteed to be asleep by 8:00 p.m., you have a choice of either making them stay up (which can lead to a cranky kid) or paying for a ticket for a child who won’t partake in the festivities.3. Am I okay losing a park day?If you are attending this event as part of your theme park vacation, you will likely lose an entire day of theme park time to accommodate this event. The day of the event you will likely want to skip doing a full day in the parks, either coming back for an afternoon nap or relaxing in the morning before heading to the parks. The morning after, if you aren’t getting back to your hotel room until 1:00 a.m., odds are better than not that rope dropping a theme park a few hours later won’t happen.Photo by – Kent Phillips4. Would the money be better spent elsewhere?Think long and hard about what it is you hope to achieve from going to these events. If you’re looking to just see characters (and aren’t too particular about which characters you see), a character dining experience might fit into your schedule better. Want an amazing fireworks experience? What about a fireworks cruise or dessert party? Special treats? You can buy a lot of cupcakes for $100. Think about how much you are spending and ask yourself what makes most sense for your family’s preferences.Are there any other questions you ask yourself before spending the money on these hard-ticket events? Let us know what considerations you have in the comments.last_img read more

Pick n Pay scoops international award

first_img“Retailers who succeed in carving out a place for themselves in a world where there is so much competition should be commended,” Mullin said in a statement. South African retail chain Pick n Pay has won the NRF International Retailer of the Year, a coveted international award given to a firms that achieve a global reputation for excellence and service to the retail industry. The NRF is the world’s largest retail trade association, representing more than 100 organisations in the US and abroad, covering retailers and suppliers from specialty, discount, catalogue, internet, independent, chain, chemist and food stores. 13 January 2009 Pick n Pay, with 162 supermarkets, 127 family stores and 19 hypermarkets across South Africa, registered turnover of over R23-billion for the year ended August 2008, representing year-on-year growth of 16.4%. It was added to the JSE’s Top 40 Index in December. SAinfo reporter center_img Badminton said the award was “an acknowledgement of an incredibly supportive board, management team, and thousands of exceptional employees.” The Washington DC-based National Retail Federation (NRF) made the announcement at their annual convention in New York this week, where NRF CEO Tracy Mullin presented the award to Pick n Pay CEO Nick Badminton. Unlike many other retail awards, those awarded by the NRF involve a selection process by global industry leaders. Would you like to use this article in your publication or on your website? See: Using SAinfo materiallast_img read more

Ask the #SMXperts series — Advanced audience targeting

first_img Related postsLytics now integrates with Google Marketing Platform to enable customer data-informed campaigns14th December 2019The California Consumer Privacy Act goes live in a few short weeks — Are you ready?14th December 2019ML 2019121313th December 2019Global email benchmark report finds email isn’t dead – it’s essential13th December 20192019 benchmark report: brand vs. non-brand traffic in Google Shopping12th December 2019Keep your LinkedIn advertising strategy focused in 202012th December 2019 The “Ask an #SMXpert” series continues the question-and-answer (Q&A) segment held during sessions at Search Marketing Expo (SMX) West 2018.Today’s Q&A is from the Advanced Audience Targeting & Management Tactics session with Jillian Nagle and Ben Wood and introduction from moderator Brad Geddes.Brad GeddesThe rise of audience targeting is the biggest change in paid search over the last 10 years. You can easily create audiences based on a plethora of characteristics and then adjust bids, ads and content for each audience type.With so many options possible for creating audiences and customizing your marketing for each, it’s imperative in today’s competitive world that you have solid strategies in place to take advantage of these marketing capabilities.In this session, we looked at creative ways to create audiences, how to prevent your customers from going to the competition and ways of leveraging search and social together to ensure you are reaching your potential.Ben Wood took us through remarketing lists for search ads (RLSA) and Facebook audience tips to then set the stage for combining AdWords and Facebook audiences together to leverage audiences across the networks.Jill Nagle thinks there are times when myths about audience targeting prevent companies from using the correct tactics throughout the funnel. She showed some common myths about audience targeting and then debunked them with their own studies on how to ensure you are using the features correctly throughout the user’s lifecycle.Jillian NagleQuestion: If using RLSA for competitors, how do you maintain Quality Scores when your competitors’ names are also branded or trademarked and you cannot use them in ads?Jillian: For me, I wouldn’t focus on Quality Score. No matter what, you’re a low relevant ad on that term. The importance needs to be shifted to “how can I play on a small subset of volume where I am willing to invest the high costs that come with conquesting?”Question: Have you run into any clients that have expressed concern over message saturation due to the fact that cookie-based, customer relationship management (CRM) and other audiences can and often will overlap?Jillian: This is where audience negation and custom combination lists are so important! I always say that we need to evaluate audiences like we would evaluate keywords. We use keyword negatives to ensure the proper keyword mapping; you need to use audience negatives to ensure proper audience structure. A sound structure can be achieved by making custom combination lists that negate the wider audiences from your more niche ones.For example, if you have messaging you want to deliver to those who have purchased in the past, previous purchasers need to be negated from all other audiences. That way, they’re not getting messaging or treatment that is better for someone less familiar with your brand.Question: Do you have any tips for working with audiences for low-traffic sites/accounts?Jillian: Yes! I have three tips:First, with your own data, start very high level! Maybe you only have a return visitor strategy, maybe you only have an existing customer strategy. That’s fine! Segmentation needs to be meaningful, so only set out a strategy that fits your scale.Second, with small accounts, there is often not enough scale to make use of RLSA lists. In this case, I recommend exploring Google data, such as demographics and in-market audiences, to identify valuables audiences before they even visit your site.And last, some of your biggest wins will come from expanding volume via audiences! If you have a valuable audience, scale the account by playing on larger, more competitive terms on more select audiences.For example, while I was working on a small business banking account, I also ran into issues with scale. Rather than only playing on business non-brand terms, we expanded to consumer terms like “open bank account” by only targeting audiences or ZIPs that we knew had a higher propensity to capture business owners. This allowed us to play in a competitive, high-volume space with low cost per action (CPA).Ben WoodQuestion: If using RLSA for competitors, how do you maintain Quality Scores when your competitors’ names are also branded or trademarked and you cannot use them in ads?Ben: Quality Scores will never be great when bidding on exact match competitor brand terms, however, if you combine competitor brands with related keywords and include related keywords in your ad, there’s a way to boost quality score and reduce cost per click (CPC). Most of our clients increase bids more for competitor + related term combinations rather than just competitor brand names.Question: Does Facebook include in audience targeting the job titles, for example, of people who have selected the “only me” privacy setting?Ben: This information isn’t visible to the general public but can still be used by advertisers, as it’s anonymized. Individuals can, however, prevent themselves from seeing these ads by amending their advertising settings.Question: What are the differences with Facebook Lookalike Audiences versus Google’s similar audiences?Ben: Facebook Lookalike Audiences are essentially the same principle as Google similar audience in [that] they’re an expanded set of users based on shared characteristics of an existing audience.The key differences between Google similar audiences and Facebook Lookalikes are the detail each network [has] on their user base. We have seen better results using Facebook lookalike audiences, presumably due to the amount of detailed demographic and interest data Facebook has on their users versus what Google has.Question: Do you have any tips for working with audiences for low-traffic sites/accounts?Ben: Start with broader audience retargeting methods such as previous site/page visitors and build from there. A lot of the more advanced methods explained in the session rely on having a high-traffic site.Question: What tools do you use to update audience modifiers once you see the performance? Do you do this in AdWords, or are there other tools to map out where you should modify?Ben: We label all campaigns using bid modifiers and filter and order columns in AdWords based on performance. If a bid modifier is working well, we often ramp it up for a couple of weeks to see if we can further improve, and vice versa. This is a manual process for us at the moment.Question: How is this audience-building through cookies going to be affected by the General Data Protection Regulation (GDPR)?Ben: Google and Facebook have already been the subject of lawsuits from Austrian privacy activist Max Schrems. Both have updated their policies and have asked users to agree to their new terms and conditions over the past few months.I’d be surprised if the lawsuit was successful, but one thing I would encourage advertisers to be wary of is the use of Google customer match and Facebook custom audiences if they don’t have a record of how they obtained the customer data in the first place, as this would be in breach of GDPR regulations.Want to learn more in-depth technical SEO tactics? Join us next month at our SMX Advanced conference in Seattle, where top industry experts will share their tips, tactics and strategy around these topics and more:The Latest & Greatest in Online AdsAudience Targeting in a Privacy-Centric WorldTurning Your Data Into Compelling StoriesMachines & Humans: A SWOT AnalysisThe post Ask the #SMXperts series — Advanced audience targeting appeared first on Marketing Land.From our sponsors: Ask the #SMXperts series — Advanced audience targeting Ask the #SMXperts series — Advanced audience targetingYou are here: HomeDigital MarketingAsk the #SMXperts series — Advanced audience targeting Posted on 9th June 2018Digital Marketing FacebookshareTwittertweetGoogle+sharelast_img read more

Line-ups: Napoli v RB Salzburg

first_imgDries Mertens and Hirving Lozano take on RB Salzburg’s Erling Haaland, but Napoli have defender Kostas Manolas on the bench. It kicks off at the Stadio San Paolo at 20.00 GMT. You can follow all the build-up and action as it happens from this game and Borussia Dortmund-Inter on the LIVEBLOG. The Partenopei’s thrilling 3-2 victory in Austria has put them in pole position to qualify from Group E and they will be through tonight if they win and Genk fail to beat Liverpool. Allan is not even fit for the bench, but Manolas is not ready to start, as the centre-back is still suffering from bruised ribs and had to play with painkillers. Nikola Maksimovic partners Kalidou Koulibaly at centre-back. Mertens and Lozano are the front two, with Lorenzo Insigne and Jose Callejon out wide, despite Arkadiusz Milik’s positive form. RB Salzburg have built most of their success this season on the astonishing form of teenage striker Erling Haaland, who has 22 goals in just 16 competitive games this season. That includes six in three Champions League matches. He has support from Hee-Chan Hwang, but Takumi Minamino is also a danger with his pace. Carlos Miguel Coronel is in goal after Cican Stankovic pulled a hamstring against Napoli on October 23. Napoli: Meret; Di Lorenzo, Maksimovic, Koulibaly, Mario Rui; Callejon, Fabian Ruiz, Zielinski, Insigne; Lozano, Mertens Napoli bench: Ospina, Llorente, Elmas, Luperto, Hysaj, Manolas, Milik RB Salzburg: Coronel; Pongracic, Onguéné, Wober; Kristensen, Minamino, Junuzovic, Szoboszlai, Ulmer; Haaland, Hwang Salzburg bench: Kohn, Ashimeru, Vallci, Koita, Ramalho, Daka, Mwepu Ref: Marciniak Watch Serie A live in the UK on Premier Sports for just £11.99 per month including live LaLiga, Eredivisie, Scottish Cup Football and more. Visit: https://subscribe.premiersports.tv/last_img read more

F2 Logistics gears up for spot in final

first_img“We played very focused tonight and we are thinking about the semifinals already,” said Maria Jose Perez, F2 Logistics’ Venezuelan reinforcement who accounted for 12 points.Now F2 Logistics will gear up for a spot in the final, going up against either Cignal HD or Cocolife which it both dispatched of in straight sets in the eliminations.FEATURED STORIESSPORTSSEA Games: Biñan football stadium stands out in preparedness, completionSPORTSPrivate companies step in to help SEA Games hostingSPORTSBoxers Pacquiao, Petecio torchbearers for SEA Games opening Don’t miss out on the latest news and information. With the same push that propelled it to the top spot in the semifinals, F2 Logistics kicked Iriga City out of the running Tuesday night.The Cargo Movers took its place in the next round after a worry-free 25-19, 25-12, 25-17 triumph in the Chooks to Go-Philippine Superliga Grand Prix at FilOil Flying V Center.ADVERTISEMENT Ethel Booba on hotel’s clarification that ‘kikiam’ is ‘chicken sausage’: ‘Kung di pa pansinin, baka isipin nila ok lang’ Robredo: True leaders perform well despite having ‘uninspiring’ boss PLAY LIST 02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games LATEST STORIES ‘A complete lie:’ Drilon refutes ‘blabbermouth’ Salo’s claims Jordan delivers on promise: 2 Cobra choppers now in PH The Fatted Calf and Ayutthaya: New restos worth the drive to Tagaytay Hotel says PH coach apologized for ‘kikiam for breakfast’ claim Sports Related Videospowered by AdSparcRead Next MRT 7 on track for partial opening in 2021 Malditas save PH from shutout After 30 years, Johnlu Koa still doing ‘hard-to-make’ quality breads Revived rule makes Mbala ineligible next season MOST READ View commentslast_img read more

5Dimes Releases Big 12 Football Champion Moneyline Odds

first_imgThe Big 12 Conference's logo.TCU and Baylor took the Big 12 by storm this season, and sportsbook 5Dimes likes those two teams as the favorites to take home a Big 12 title in 2015. TCU, which returns Heisman candidate Trevone Boykin at quarterback, comes in at +200 to win the conference, while Baylor is just a bit behind the Horned Frogs at +225. Oklahoma and Oklahoma State are tied for third at +500, while Kansas is way behind the pack at +8000. The most intriguing bet may be the ever-consistent Kansas State Wildcats at +1000. Never count out Bill Snyder.Here are the full Big 12 odds, via 5Dimes.big12oddslast_img