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first_img Chosen the best blocker in the women’s volleyball Super League for 2010/2011, Sergeant Juciely is a confirmed participant at the 5th Military World Games. However, before reporting to the Brazilian military team, the middle blocker has an important commitment. At 31 years old, she was named for the first time to the main Brazilian national team and will compete for the Pan-American Cup in Guadalajara, in Mexico. “Every athlete has the goal of joining the national team. At times, I thought that I was already in my thirties, and I wouldn’t get there. But I never lost hope completely,” she said in an interview with the Super Esportes [Super Sports] Web site. With the proximity of the Pan-American Games, which will also be in Guadalajara, and the London Olympic Games, Sergeant Juciely aspires to consolidate her place on coach José Roberto Guimarães’s team. “Whether I’m going to participate in those competitions, nobody knows. The team has great athletes. I know I have to go after it. Just being here among them is already a big step.” The Pan-American Cup ends on July 9th, one week before the start of the Military World Games. The limited time between the two competitions has not limited the motivation of the athlete from Minas Gerais. “I’m going to participate (in the Military World Games) when I return from Mexico. I even think that this period with the national team may help in the competition at the (Military) Games,” she affirmed. By Dialogo June 24, 2011last_img read more

first_imgBy Dialogo March 01, 2013 MIAMI, EE.UU. – Un helicóptero Sea Hawk SH-60B del Escuadrón Antisubmarino Aéreo Ligero 49 se prepara para aterrizar en la cubierta del buque USS Gary el 20 de enero. La embarcación es utilizada en el marco de la Operación Martillo, una misión internacional que reúne a países del Hemisferio Occidental y de Europa en un esfuerzo conjunto para eliminar las rutas del tráfico ilegal en ambas costas del istmo centroamericano. (Cortesía Raúl Sánchez-Azuara/Diálogo) MIAMI, EE.UU. – El comandante en jefe del USS Gary, capitán James E. Brown, examina un barco sospechoso el 20 de enero. Casi el 90% de la cocaína que llega a los Estados Unidos ingresa a través de México y Centroamérica, según la Junta Internacional de Control de Estupefacientes de las Naciones Unidas. (Cortesía Raúl Sánchez-Azuara/Diálogo) MIAMI, EE.UU. – Un helicóptero Sea Hawk se prepara para despegar de la cubierta de la fragata misilística estadounidense USS Gary para investigar un barco sospechoso que navegaba en aguas internacionales, cerca de la costa de Ecuador el 21 de enero. (Cortesía personal de Diálogo) MIAMI, EE.UU. – La tripulación del USS Gary realiza el mantenimiento diario de un Sistema de Ametralladoras de Fuego Rápido MK 38-25mm el 20 de enero. El buque USS Gary es utilizado en el marco de la Operación Martillo, que decomisó 127 mil toneladas de cocaína y confiscó 56 lanchas rápidas durante su primer año de operaciones, en 2012. (Cortesía Raúl Sánchez-Azuara/Diálogo) MIAMI, EE.UU. – La tripulación del USS Gary participa de un simulacro de incendio en el buque el 20 de enero. (Cortesía Raúl Sánchez-Azuara/Diálogo) MIAMI, EE.UU. – El armamento más grande del USS Gary es una ametralladora rápida MK 75 calibre 62 de 76mm. El buque USS es utilizado en el marco de la Operación Martillo, una misión internacional que reúne a países del Hemisferio Occidental y de Europa en un esfuerzo conjunto para eliminar las rutas del tráfico ilegal en ambas costas del istmo centroamericano. (Cortesía de Raúl Sánchez-Azuara/Diálogo) MIAMI, EE.UU. – Los marineros del buque USS Gary y de la Guardia Costera conducen un bote inflable rígido durante una patrulla de rutina el 20 de enero. El USS Gary desempeña un papel integral en las actividades antinarcóticos. Casi el 90% de la cocaína que llega a los Estados Unidos ingresa a través de México y Centroamérica, según la Junta Internacional de Fiscalización de Estupefacientes de las Naciones Unidas. (Cortesía Raúl Sánchez-Azuara/Diálogo) MIAMI, EE.UU. – Los mecánicos del helicóptero Scorpions of Sea Hawk SH-60B del Escuadrón Antisubmarino Aéreo Ligero 49 (HSL) realizan reparaciones en el motor en uno de los hangares del buque USS Gary el 20 de enero. (Cortesía Raúl Sánchez-Azuara/Diálogo) MIAMI, EE.UU. – El comandante en jefe del USS Gary, capitán James E. Brown, brinda instrucciones a su tripulación desde el puente el 20 de enero. (Cortesía Raúl Sánchez-Azuara/Diálogo)last_img read more

first_imgWe are quite proud of the fact that RewardStream is a pioneer and veteran in the referral marketing industry, designing referral marketing programs for our clients since 2003. While “word-of-mouth marketing” or referral marketing has always been a very natural and normal part of daily life, the rise of automated marketing solutions to generate leads and referrals is in its infancy. Following the tremendous success of products such as HubSpot, Marketo, Eloqua, Infusionsoft and others, “content marketing” has certainly earned buzzword status. As a result, companies that we work with often ask us how referral marketing and content marketing solutions compare and how they can be used together.Before I dig into the numbers, let’s look at the definitions of these two marketing methods. Basic Wikipedia explanations tell us that:Referral marketing is a method of promoting products or services to new customers through referrals, usually word of mouth. Content marketing is any marketing that involves the creation and sharing of media and publishing content in order to acquire and retain customers.Essentially, referral marketing is acquiring new customers through word-of-mouth while content marketing is sharing educational blogs, papers and emails to acquire customers. While there are definite similarities, both solutions can and should be used to generate leads and referrals as part of a successful marketing mix. To understand both solutions, let’s dive into some numbers.Lead Nurturing via Content Marketing – The NumbersLead nurturing via content marketing is used by more organizations, with 72% of marketers having a content strategy in place, whereas only 22% of marketers are leveraging customer referrals. Content is more widely used, but is it more profitable?41% of marketers confirm content marketing has a positive ROI; however, 79% of marketing leads never convert into sales. Lack of effective lead nurturing is the common cause of this poor performance. So in order for content marketing to be successful, the leads that it brings must be nurtured.Referral Marketing – The NumbersIt’s not surprising that 92% of people trust recommendations from the people they personally know and people are four times more likely to buy when referred by a friend. If you are a new business owner, you’ll be happy to know that one study reported that 65% of new business comes from referrals. Word of mouth or referral marketing is tried, tested and true, and in my opinion, the most effective form of marketing. I’m not alone, 88% of marketers believe that referral marketing is one of the best ways to acquire new customers.But what is the ROI?Another common question I get is in regards to the return on investment of each tactic. Referral marketing has the lowest cost per acquisition among digital marketing activities, making the ROI very attractive to many businesses. When comparing to content marketing, data suggests that content marketing will break even on its investment within nine months, based on the value of the organic traffic, and will see a 200% or more ROI from that same content over 36 months. The content will also increase the organic site traffic by 10 times.What makes referral marketing so critical as a key tactic in a successful marketing mix is that if your program attracts one customer – it doesn’t stop there. Not only does a referred customer have a 16% higher lifetime value than that of a regular customer and 18% higher loyalty than a customer acquired through a different method, they will also spend 13.2% more than a non-referred customer. What makes referral marketing so powerful is that when an existing customer utilizes the program, there is a snowball effect that must be taken into consideration when measuring ROI; the number of additional referrals that will come from this one person.How can Referral Marketing and Lead Nurturing via Content Marketing Work Together?It’s simple really. Content marketing is utilizing content to attract people to your brand and turn them into your brand advocates. Referral marketing is using your customers as brand advocates to acquire more customers. 83% of satisfied customers are willing to refer products and services but 29% actually do. So the key is to encourage customers to tell their friends and family members about your business. How do you do this? By leveraging your referral marketing with content marketing tactics.Best Practices For Growing Your Referral Program With Content MarketingKeep these tips in mind when combining content and referral marketing strategies to help increase both leads and referrals:Content marketing can help build trust with the public.If you have a referral marketing program, the more existing customers who are aware of it, the better chance you have of it gaining traction. Content marketing is a powerful way of building trust with potential customers as you nurture them through the buying journey. When you send out an email communication, post a blog, or engage via social media, you are essentially building trust with your audience.If potential customers receive regular communication from your company, you have already established trust with them. This trust can help increase your chances of potential customers remembering you when they are ready to make their purchases. Once they become customers, a referral rewards program is a nice way to keep them happy, and will encourage them to share their positive brand experiences with their friends and family members. Developing this relationship with potential and existing customers is important, as people trust the opinions of their friends, making it a very powerful marketing channel.Content marketing can help promote a company’s referral program.Rule of thumb – the more eyes the better. Make sure that you include information about your referral program on all public-facing communications and content at each stage of nurturing your leads and referrals. Make sure that you create a referral button in a key location on your website. If you accept online orders, put a referral button on your order confirmation page and/or post-purchase “thank you for purchasing” page. Don’t forget to also promote your referral program anywhere your existing customers will go, such as customer login or on high-traffic pages such as customer support or help desk pages. Keep in mind that all of the above should link back to the stand-alone referral page.When distributing all content marketing, use this opportunity to promote your referral program. Ways to promote your program include:Email blast – Email your customer list and your ambassador list the “refer a friend” offer.Blog– Create a blog and link to the offer. Look around for guest blog opportunities and ability to promote program.Newsletters– Don’t forget to include program information in company newsletters and correspondence including receipts, invoices and support tickets.Call scripts– Integrate mention of the program into your call center scripts.Facebook, Twitter and LinkedIn – Announce program, share and link back to the referral program page.PR– Create a press release, issue and promote program in conjunction with a newsworthy item.Internally – Promote your referral program internally! Your employees should be your biggest advocates!Content Marketing + Referral Marketing = Your Own CommunityThe great thing about referral marketing is that you start your own community without even really trying. Your leads and referrals become your brand ambassadors, and over time will grow into a community. You can also connect with your loyal online fans to promote your referral program and have them spread the word. By identifying key referrers and engaging with them, they will promote not only your referral marketing program, but your products and services, as well as your organization too.Precision targeting increases your chances of a sale.The precision targeting of referral marketing, combined with quality and educational content that is specifically focused for your leads is the perfect combination that will lead to a very successful marketing campaign. Referral marketing targets your brand advocates and by doing so, taps into the most lucrative salespeople for your organization – the trust of friends and family members.What does a successful referral program look like?Dropbox is a good example of a double-sided referral program that garnered some great results. After Dropbox became dissatisfied with their conventional marketing techniques, despite still doing relatively well, they decided to leverage their existing customers to refer friends via word of mouth.How did they do this?They launched a double-sided referral program that rewards both the referee and the referral with 500MB of additional free storage space (up to 16GB). What was the result?Dropbox went from 100,000 to 4,000,000 users in 15 months and increased their sign-ups by 60%.Why was this referral program so successful?Dropbox’s doubled-sided referral program provided incentive to the referrer to spread the word and the referee to sign up, by offering them each 500MB of space. Not only is this type of program enticing to both parties, but it is also extremely easy for the users to share and sign up. The combination of an attractive double-side incentive, plus the ease of use, led to Dropbox’s tremendous success with this program.In my opinion, the best results are achieved when you use referral marketing and content marketing together to maximize leads and referrals. If you create an enticing referral marketing program that is simple and easy to navigate and use your content marketing to promote it, you can’t go wrong. To ensure the best possible results, make sure that the content you produce relates to the long-term strategy of your referral marketing plan. The single most important thing to remember is to make it easy for people to share your content and easy for people to refer your product and/or service. 40SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Rob Goehring Rob Goehring is the CEO of RewardStream, a leader in automated referral marketing solutions for credit unions, financial services and telecommunications companies. Rob has 20 years experience leading high growth … Web: www.rewardstream.com Detailslast_img read more

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Credit card loan balances at credit unions nationwide grew 7.5% in 2018, ending the year at $62.4 billion. Credit card balance growth, however, slowed 1.6 basis points compared to 2017. This was the largest decline of any loan product. As the loan portfolio has expanded, the percentage of credit card loan balances to total loan balances has steadily decreased. Credit card loans accounted for 5.9% of the entire $1.1 trillion credit union loan portfolio at year-end 2018, down 8 basis points from Dec. 31, 2017.Unfunded commitments for credit card lines increased 9.5% year-over-year, indicating that credit unions expanded lines of credit faster than members accessed those lines. As a result, credit card utilization — the ratio of outstanding balances to outstanding balances plus unfunded commitments — declined 40 basis points over the year to 31.7%.Credit card penetration rose to nearly 17.6% in 2018 from 17.5% in the previous year. The number of credit card loans across the country increased 5.0% year-over-year to slightly more than 20.6 million by Dec. 31, 2018. The average balance of these loans was $3,022, a $71 increase from the year prior. The share of the credit card market held by credit unions expanded 29 basis points year-over-year to 6.0% by year-end 2018. continue reading »last_img read more

first_img August 20, 2017 Governor Wolf Attends MLB Pirates-Cardinals Game at Historic Bowman Field Press Release Williamsport, PA – Tonight, Governor Tom Wolf attended the first-ever Major League Baseball regular season game held at the start of the weeks-long Little League World Series festivities in Williamsport. The Pittsburgh Pirates hosted the St. Louis Cardinals at BB&T Ballpark at Historic Bowman Field, the home of the Class-A Williamsport Crosscutters of the NY-Penn League.“It doesn’t get much better than a great baseball game,” Gov. Wolf said. “To experience Major League Baseball in the intimate setting of historic Bowman Field with so many Little League players, coaches, families, and volunteers was just a tremendous night.”Dubbed “The MLB Little League Classic,” The Pirates-Cardinals game was introduced to celebrate youth baseball during the 2017 Little League World Series. The game aired nationally on ESPN’s “Sunday Night Baseball” and ESPN Radio.To start the day, Major Leaguers attended Little League World Series games at Howard J. Lamade Stadium. The day-long baseball celebration culminated with MLB hosting Little Leaguers and their families at the Pirates-Cardinals game.Bowman Field had a major makeover in preparation for the game. A new deck, named Logger’s Landing, was added down the first base line and new seats were added on the grandstand’s two levels.Pennsylvania’s Redevelopment Capital Assistance Program awarded $1.25 million toward the project in November 2016. Major League Baseball made a significant investment, too.“The only thing better than this Major-League game are the dozens of Little League World Series games being playing in Williamsport over the next two weeks,” Gov. Wolf said.“The MLB game was a perfect kick-off for the 2017 Little League World Series. I wish all of the teams here in Williamsport a lot of spirited competition and the best of luck.”View the governor’s recent video message to players, families, spectators, and volunteers can be viewed on YouTube, Facebook, Twitter or Instagram.center_img SHARE Email Facebook Twitterlast_img read more

first_imgGreg Martin’s Moreton Island holiday home.He loves it and doesn’t really want to give it up, but Triple MMM presenter Greg, “Marto’’ Martin has listed his Moreton Island holiday home for sale.Martin said they didn’t get to use it enough anymore so he thought it was time to test the market.He and his family started camping on Moreton Island many years ago, before moving onto renting a holiday home, and then finally buying in partnership with a friend.As their children grew up they all holidayed there frequently and enjoyed what Martin said were fantastic surf waves, on a par with Snapper Rocks on the Gold Coast – but not as crowded.“We just don’t use it enough,’’ Martin said.More from newsNew apartments released at idyllic retirement community Samford Grove Presented by Parks and wildlife the new lust-haves post coronavirus21 hours agoThe view from the deck of 109 The Strand, Bulwer“Our kids have all gotten older, all of our kids have left school.“He (the part owner) has a boat now so he can go anywhere and all of my family are on the Gold Coast.’’The home at 109 The Strand, Bulwer is listed through Julian Gardner of Ray White – Brisbane CBD.Mr Gardner said Martin and the other part owner, purchased two properties at $425,000 each in 2005 and amalgamated them to form the large holding.Martin said the house slept about 16 people and had four bedrooms. It is the third most northern house on the island and has bush and bay views.There is a large deck and it is a 100 metre walk from the local shop.There are two fully equipped kitchens, two dining rooms and four bathrooms. There are also two sheds and an outdoor fire pit.last_img read more

first_imgHowever, as former UK minister for universities David Willetts declared in a speech at the conference, education is thankfully not going down the online monopoly route that we have seen with Facebook and social media. After social security, health and education account for the two largest items in UK government expenditure – and figures are likely similar elsewhere.Technology has the potential to be transformational in both cases. With healthcare, it is not just through the use of technology to make administration more efficient – with mixed success so far in the UK, which still lacks seamless access to medical records between doctors, hospitals and clinics. Excitingly, technology is also emerging in areas such as the use of artificial intelligence to better diagnose medical imagery. The metrics for success are clear in healthcare, although data protection remains a concern.‘Edtech’ – the trendy term for technology applied to education – has the potential to radically change education in both developed and emerging countries. To what extent it will eventually do so is perhaps less obvious than in healthcare.The EdTechX Europe 2018 summit, held last week in London, was full of exciting start-up companies led by dynamic management teams that saw themselves as providing transformational businesses. Oxford University, UKOxford and Cambridge, at the apex of the UK’s higher education system, offer courses that are expensive to create with individual or small group tuition together with lectures. The collegiate system also means there are physical limits to how many new places can be created.On the other hand, MOOCs offered by such entities may address the issue of disseminating information and teaching – but online courses cannot reproduce the university experience, or indeed the prestige of being admitted to such institutions.Yet there must be alternatives that can utilise the almost-free resource of online courses together with some minimal campus teaching that would not result in students facing large debts at the end of three years. The technology for such offerings is there already but, so far, there has not been a synthesis of online and campus teaching that produces radically cheaper but acceptable alternatives with mass appeal.Edtech has immense potential, but the path to success requires much more than just technology.center_img Could online courses replace university teaching?Online university courses have been around for a number of years, and free massive open online courses (MOOCs) are available from eminent institutions such as Harvard, MIT and Microsoft. At EdTechX entrepreneurs were offering new variations on this theme, including the creation of at least one new online university.Teacher-less teaching?Technology is also arriving in the classroom throughout developed countries. However, some of the initiatives on show at EdTechX suggested that innovation was likely to be far more transformational for isolated communities in poor countries. For example, distributing tablets to provide access to specifically designed courses without school teacher involvement is likely to have far more of an impact than tweaking teaching aids in the developed world.One presentation, for example, related to the Global Learning XPRIZE, a global competition with a $15m (€12.8m) prize purse provided by Tesla founder Elon Musk. It challenges teams around the world to develop open-source and scalable software to enable children with limited education access to teach themselves basic reading, writing and arithmetic within 15 months. Field testing of five finalists is already underway in villages in Tanzania.At the other extreme, initiatives such as EtonX are subsidiaries of well-known institutions that leveraging their credibility to attract a worldwide audience.For investors, there is a cornucopia of opportunities in edtech, but deciding what is likely to be a winner may be much more difficult than in healthcare.With healthcare, it is clear that a technological solution that, for example, substantially improves detection of breast cancer from scans would have immediate applications and relevance, and the technology with the best performance would likely be the most successful.Edtech offerings are more problematic. There are many competing offerings in the same space without necessarily any differentiator in terms of quality – and, in many cases, they may be competing with free offerings from highly regarded institutions.  Challenging the traditionalThe rise of online learning opportunities does raise the issue of how traditional universities should be structured in response. David Willetts argued that, unless they are able to meet the demand for more places, universities will be increasingly sidelined as educational institutions while remaining as research entities.last_img read more

first_imgInternal analysis and interpretation of the acquired data will allow Neptune and its partners to plan for the future. Polarcus has completed acquisition of the 3D broadband seismic survey for Neptune Energy on the Petrel field, located in the Bonaparte basin of Australia. Neptune, on behalf of the Petrel JV, entered into an exclusive data licensing agreement with Polarcus Asia Pacific, which acquired the Petrelex 3D seismic survey. Neptune holds 54% of the project and, alongside its partners Santos (40.25%) and Beach Energy (5.75%), invested in new broadband technology over an expanded area to enhance understanding of the potential resources Petrel holds. Polarcus secured approval for an Environmental Plan allowing acquisition of new 3D multi-client data to be acquired across the field. The Polarcus Asima carried out the survey which began towards the end of 2019.center_img “The seismic survey was the first significant investment in this part of the Bonaparte basin in more than five years and it continues to present exciting future growth opportunities for Neptune offshore Australia. Our deeper understanding of the area also positions us well for the upcoming offshore petroleum exploration release later this year.” Neptune Energy Australia managing director, Janet Hann said: “The safe and successful completion of the survey is testament to the excellent teamwork of Neptune and its partners. The 2,900 km2 survey expanded the area of seismic data Neptune holds and increased the quality and breadth of data. Initial findings from the survey have been received with the remaining processed data due to be delivered later this year.last_img read more

first_imgThe Telegraph 11 May 2016Family First Comment: Shocking – but the law being proposed by ACT’s David Seymour will result in the same!And then, read this……“A Dutch psychiatrist who has carried out euthanasia requests at the country’s End-of-Life clinic said .. that even children as young as 12 who ask to end their lives should be taken seriously.”Perhaps they simply need good counselling and to be given hope?  The Netherlands has seen a sharp increase in the number of people choosing to end their own lives due to mental health problems such as trauma caused by sexual abuse. Whereas just two people had themselves euthanised in the country in 2010 due to an “insufferable” mental illness, 56 people did so last year, a trend which sparked concern among ethicists . In one controversial case, a sexual abuse victim in her 20s was allowed to go ahead with the procedure as she was suffering from “incurable” PTSD, according to the Dutch Euthanasia Commission.But a Dutch psychiatrist who has carried out euthanasia requests at the country’s End-of-Life clinic said this week that psychiatrists are “too hesitant” about agreeing to euthanasia for patients with psychiatric diseases.Paulan Stärcke, who will present her findings at the Euthanasia 2016 conference in Amsterdam Thursday, told The Telegraph that even children as young as 12 who ask to end their lives should be taken seriously.READ MORE: http://www.telegraph.co.uk/news/2016/05/11/netherlands-sees-sharp-increase-in-people-choosing-euthanasia-du/last_img read more

first_imgOtago Daily Times 17 November 2017Family First Comment: Superb (and enlightening) comments by a school Principal“The expectations imposed upon us now as a school, to attend to and reverse the ills of our society, are completely unrealistic and they are beyond our resource capability. It seems now, the first questions about the inappropriate text message sent by a school-age person in the weekend, or the under-age young person attending a party that goes wrong, are not ‘what were the parents thinking and what will the parents do about it’? The first questions now are ‘what school does the young person go to and what is the school going to do about it’? And we’ve seen that in the national media this year … I believe it’s not our parent body who thrust these expectations upon us. It’s the media and it’s increasingly a broader societal expectation.”Well said. Give power – and responsibility – back to the parents!A Dunedin school principal is increasingly concerned by the social expectations imposed on schools, and says some parents need to take more responsibility for their children’s actions.During the recent King’s High School senior prizegiving, rector Dan Reddiex praised his present cohort of pupils for their outstanding achievements during the year, but went on to express deep concern about the future of education in New Zealand.He said the school’s ability to educate boys “in mind and in heart” was under threat.“Alarmingly, in my view, we are increasingly becoming as much a social institution as we are an educational one.“The expectations imposed upon us now as a school, to attend to and reverse the ills of our society, are completely unrealistic and they are beyond our resource capability.“It seems now, the first questions about the inappropriate text message sent by a school-age person in the weekend, or the under-age young person attending a party that goes wrong, are not ‘what were the parents thinking and what will the parents do about it’?READ MORE: https://www.odt.co.nz/news/dunedin/principal-bemoans-threats-schoolslast_img read more