The Bike Code

first_imgThere’s been a lot of confusion lately about trail etiquette, especially when it comes to dealing with other people in the woods, so here is a synopsis directly from the International Mountain Bike Association and the Southern Offroad Bicycle Association, sweetly translated by me:Yield Appropriately: That means you need to be warning people that you’re about to come flying up on them while they are quietly photographing dragonflies.  By the way, all pedestrians have the right of way, whether on the road or in the woods. You, being a high-speed weapon, doesn’t mean they better “watch out!” Know to watch out around the turns. Look for oncoming traffic, just like you would in a car.Bicyclists traveling downhill should yield to ones headed uphill, unless the trail is clearly signed for one-way or downhill-only traffic. I think I’m going to make bumper stickers and jerseys that say this. People seem to be verrrrry confused about this simple and obvious rule. When someone is sucking wind, why ever would you expect them to stop, let alone restart on an incline?!Try not to ride the trails when they are too wet. It causes erosion and damages the trail. This means that even if the day after flooding is sunny and warm and you’re itching to ride, either hit the road or some high elevation where it’s not likely to be a quagmire. Take note that well-built trails will drain quicker.Ride in the middle of the trail and learn to pedal over the obstacles – fallen trees, roots, rocks, etc. Going around that stuff means the trail will become wider, because the next lazy rider will do the same thing. Getting off the bike is the way to go if it’s too technical, but why not take a learning opportunity and go back and do it again until you’re able? And God forbid, don’t go ripping out vegetation that happens to be in the way of your minimal skill level.Do not create a bypass trail around a fallen tree. Land managers hate this. It’s far more fun to fall off the top of such a tree, precariously teetering across your big ring. It’s especially useless to reach the ground at this point. However, it’s a great idea to lift and fling your bike over it. After all of that, just call a trail advocate to report it.Ride on open trails only. No poaching. Even if you’re ultra-cool. 1 2last_img read more

What makes loyalty succeed?

first_img 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Characteristics of more and less successful Stephanie Schwenn SebringAccording to experts, successful card loyalty programs:differentiate the CU’s brand and member experience, and create a competitive advantage;build new account relationships and reduce attrition;put a member’s CU card top of wallet (digital or otherwise);understand changing member behavior, needs, and usage, and are tailored to those needs;offer choices, including full-scale rewards and a variety of redemption choices;create an enterprise relationship to upsell more products;ensure IT and the retail side understand member needs and the goals of the program;innovate around the edges with technologies like Apple Pay and Google;keep the messaging fresh and in terms the members can easily relate to;offer seamless fulfillment for a happy member experience; andare flexible and change with the times and according to member needs.Less successful rewards programs could have one or more of the following characteristics: continue reading »last_img read more

Don’t miss the boat – Why credit unions need to digitally transform now

first_imgThe term “digital transformation” has been a very hot topic recently, creating new conversations and products across a wide range of industries. This chart below, via Google Trends, displays the worldwide popularity of the phrase “Digital Transformation” in web searches since 2004. As shown in the graph, after remaining stagnant for over a decade, the term’s popularity has exploded in just the last year or so, raising questions about what this means, and how it will impact your organization.  An accepted definition for digital transformation is, “the application of digital technologies to fundamentally impact all aspects of business and society”. The important part of this definition is to realize that digital transformation does not mean just building a website, a mobile app, or obtaining a data warehouse. It means using your digital technology to transform your business processes. It means shifting your company culture to take advantage of your digital data to make informed data-driven decision and stay ahead of the ever-changing expectations of your members or customers. Competing on Member ExperienceThe financial services industry is particularly affected by this sweeping conversation. Credit unions are not only competing against big banks and the thousands of fintech startups disrupting the traditional business model, but they are competing with the high-tech/high-touch experiences provided by dozens of other companies that members are interacting with every day. Can your credit union match the experiences offered by other companies your members may be regularly interacting with, such as:CVS HealthOpened a digital innovation lab in 2015 to develop cutting-edge digital services and personalized capabilitiesOffers unique interaction options such as digital prescription and insurance card scanningCustomers can take advantage of curbside pickup through mobile app usageStarbucksInstead of just a mobile app, Starbucks built an “end-to-end consumer platform anchored around loyalty”Mobile Order and Pay app so they stay top of mind, upsell orders, and customers can avoid lines and feel appreciatedStarbucks utilizes data obtained from the app to better understand customers, their desires, and make better business decisions. Domino’s PizzaInternet of Pizza – A free web platform that enables developers can build connectors to digital devices and servicesYou can now order pizza through digital channels including Google Home, Facebook Messenger, Apple Watch, Amazon Echo, Twitter, and text message using a pizza emojiDigital customer loyalty program to incentivize digital interaction and re-ordersDomino’s Tracker – Watch in real-time as your pizza is made and delivered to your door 119SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Mark Portz Mark Portz joined OnApproach in 2016 as a Marketing Specialist. He holds a Bachelor of Science in Business in Entrepreneurial Management and Public/Nonprofit Management from the University of Minnesota. … Web: Details Can a member at your credit union expect this same type of digital interaction? These companies understand that they need to digitally transform, constantly, to meet the growing needs of their customers. Therefore, they build significant customer loyalty as a result of using their data to serve customers/members.When prospective members expect this type of high touch digital service for something as simple and trivial as ordering a pizza, will they choose to trust their financial well-being to a credit union that hasn’t digitally transformed? Or will they select a major bank with a flashy mobile app because they are able to comfortably and seamlessly gain information and execute their financial decisions using their preferred channels?The Digitally Transformed Credit UnionAre you there for your members, even when they are not in the branch (and not asking for help)? At a digitally transformed credit union, your data is working for you (and your members) to show trends, preferences, and valuable insights about your members. This allows you to provide the service your members deserve, treating them with personalized and targeted communications and offers to improve their lives and achieve their financial goals, even without asking the credit union for help first.The digitally transformed credit union also utilizes these technologies and creates a data-driven culture. In today’s arena, an organization cannot make business decisions based on “feelings”. Credit unions need to make confident, informed decisions. Data provides answers to the questions financial institutions need to be asking.Digital Transformation is a hot topic because it is a necessary initiative for credit unions. Industry disruption will not stop, and community institutions are not immune if they cannot offer superior service compared to the larger providers. Digital transformation does not come in a box, but is a process and a journey credit unions cannot afford to wait on. At the same time, digital transformation represents incredible opportunities for credit unions. Credit unions, right now, must begin by building and acting on an effective data strategy.  As a movement, credit unions can collaborate and grow together through data analytics to provide superior service to members of our communities. last_img read more

These are the social platforms most important to Hispanic consumers

first_img 14SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr There’s no question social media is an important channel for engaging Hispanic consumers. According to recent research by Viant, nearly 50 percent of Hispanic shoppersreported they had either discussed a brand online with others or used a brand’s hashtag in social messaging (this compared to 17 percent of non-Hispanic shoppers).Analyzing social media habits by channel, Viant said Hispanic Millennials are more active on Twitter and Instagram compared to non-Hispanic Millennials. However, the amount of time spent on Facebook is relatively similar between the two groups.Another platform that should not be discounted is video. In its report How Hispanic Consumers Engage with YouTube, Google shares some interesting insights:— 75 percent of Hispanics go to YouTube first when they want to learn more about a product or service by watching a video continue reading »last_img read more

Marketing: Driving ambitions

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Jakartans called to work from home during outbreak. Not everyone has the option.

first_imgWhile many Jakartans are staying in their houses and working remotely to curb the novel coronavirus outbreak, home office is not even an option for many other workers in the capital and its satellite cities.Lesmana, an employee of a Jakarta-based oil and gas company, was among those still doing their morning commute to the office on Monday, even though a state of emergency over the COVID-19 pandemic had been declared in the capital city — the hardest-hit area of the country.The 60-year-old said the company, which had employed him at its logistics department for 12 years, still required him to come in to work, as some tasks needed to be done in person. Radita Nur Aini shared a similar experience, as she still had to take a public minibus from her rooming house in Cimanggu district in Bogor, West Java, to her office in Parung district, an area southwest of South Jakarta, on Monday.The 25-year-old, who works as an administrative staff member at a leasing company, said she could not do anything but follow her company’s policy that still required her to do her job from the office despite the COVID-19 outbreak, particularly since she had just been working there for a month.She realized that taking the minivan might not be the wisest thing to do right now, but the cost of travel was much lower than if she took an app-based taxi, which could cost her Rp 50,000 (US$3) per ride.”It takes 45 minutes to travel with two changes and costs Rp 9,000 per trip,” she said.The number of confirmed coronavirus cases has continued to surge in the capital over the past weeks, with Jakarta alone reporting 356 positive cases out of 579 infections nationwide as of Monday. Forty-nine people have died from the virus to date, including 31 in Jakarta.Jakarta Governor Anies Baswedan declared a two-week state of emergency on Friday, urging all stakeholders to take drastic measures to slow the transmission of the disease, as concerns mount that COVID-19 could spread in offices, public places and public transportation.Read also: Jakarta declares emergency, but doubts persist over compliance with social distancing directiveCorporations have been urged to stop operations for 14 days starting Monday or introduce work-from-home policies and reduce the number of employees working in the office to a minimum if the companies were unable to close their offices.Authorities also advised the public to stay at home whenever possible and maintain social distancing as hospitals scrambled to treat coronavirus patients.As of Monday, at least 1,512 companies across the capital have put in place work-from-home policies for some 517,743 of their employees in response to the outbreak, according to the Jakarta Manpower and Transmigration Agency.Rahma, another worker in Jakarta who still had to go to work on Monday, expressed hope that the manufacturing company she works for would heed the Jakarta administration’s call.The 25-year-old said she had to endure anxiety while commuting to work using the Transjakarta bus from Slipi to Kalideres in West Jakarta but had no other option, as the company said it would not meet production targets if employees did not come to work.”The virus has taken lives, and I guess we should follow the government’s call […]. I actually disagree with my company’s policy that prevents us from working from home, but all I can do now is just follow the company’s rules,” she told the Post. (trn)Topics : As usual, he took the Transjakarta bus on the route connecting Tanjung Priok in North Jakarta with Cililitan Wholesale Center (PGC) in East Jakarta and got off at Kebon Nanas Station on Monday morning.Although the city-owned bus company only allowed four to five standing passengers in line with the social-distancing order, Lesmana admitted that he was concerned about getting infected while commuting to work as the coronavirus spread rapidly.”Of course I am worried, but what can I do? I have no other [transportation] option,” Lesmana told The Jakarta Post on Monday.Read also: COVID-19: Does Indonesia need a lockdown? It depends on how you define itlast_img read more

Nine foreign students at East Java boarding school test positive for COVID-19

first_imgThe East Java and Magetan COVID-19 task forces traced the people Al Fatah students had been in contact with early last week after Malaysian health authorities announced on April 19 that 43 Malaysian students who had returned from the boarding school had tested positive for COVID-19.The Malaysian embassy in Jakarta has said it will repatriate the remaining Malaysian students in Temboro village. Read also: East Java boarding school undergoes rapid COVID-19 testing after Malaysia reports imported casesMuchlissun said the task force performed rapid testing on 305 students and that 31 of them had tested positive. In order to obtain more reliable results, the task force then took swab samples for polymerase chain reaction (PCR) tests, which confirmed that 16 of the students had the virus.   The foreign students, aged 16 to 28, are not able to leave Magetan yet, as they need to recover from the virus.The remaining seven students are from Lampung; Lombok, West Nusa Tenggara; Kendari, Southeast Sulawesi; Makasar, South Sulawesi; Temanggung, Central Java, and two are from Magetan itself. Muchlissun said surveillance for COVID-19 was still underway for Al Fatah students amid the quarantine and that recent rapid testing had found another eight students positive for COVID-19. He declined to give further details on the students.Al Fatah boarding school has more than 22,000 students, 2,000 of whom are foreigners, mostly from Southeast Asian countries. Al Fatah is also known as the local base for an Islamic group known as Jamaah Tabligh, whose members regularly travel far from their homes for months to preach Islamic teachings at mosques. The group has held events in Malaysia, India and South Sulawesi that have been linked to several COVID-19 cases in the areas.The provincial task force has said Al Fatah Islamic boarding school constitutes a severe red zone as it is a new transmission cluster in Magetan. Temboro village has been under strict quarantine since last week to contain the virus.The secretary of the East Java provincial administration, Heru Tjahjono, said on Saturday that 164 students from Al Fatah would be repatriated to Malaysia on Monday. “We will help transport them from Magetan to Juanda Airport in Surabaya,” he said. Magetan regency is the now fourth-hardest-hit region in East Java, after Surabaya, Sidoarjo and Lamongan.East Java has the third-most cases of any province in Indonesia with 785 confirmed cases and 87 fatalities as of Sunday.Topics : Eight Malaysian students and one Thai student from Al Fatah Islamic boarding school in Temboro village, Magetan regency, East Java, have tested positive for COVID-19 after contact tracing and quarantine measures were instated in the village following reports of dozens of students infected with the virus.The nine foreign santri (Islamic boarding school students) were among 16 students whose swab samples tested positive for COVID-19, Magetan COVID-19 task force spokesman Saif Muchlissun said.”This is the result of the first phase of contact tracing in Al Fatah pesantren [Islamic boarding school], which we ran after the Malaysian government announced a new cluster originated here,” he told The Jakarta Post on Sunday. last_img read more

Pressure mounts for Australia to cancel scholarship of student accused of sexual abuse

first_imgThe creators of the petition said the accused had been studying for a master’s degree in urban planning at the University of Melbourne since 2018. “The perpetrator is a high-achieving student and was selected for the Young Southeast Asian Leaders Initiative [YSEALI]. He had a pious image, gave motivational speeches at many events and delivered sermons in mosques. He was also referred to as an ustaz [cleric].”The students alleged that Ibrahim had committed acts of sexual violence, including verbal harassment and forced sexual acts, during his time as a student at UII. He allegedly continued his actions while he was studying in Australia on the Australia Awards scholarship.“The survivors reported that they experienced sexual abuse between 2016 and 2020,” said LBH Yogyakarta deputy director Meila Nurul Fajriah on Wednesday.Fajriah said the victims did not report the abuse immediately because the accused was a popular student at UII. Activists have put pressure on the Australian government and the University of Melbourne to revoke a prestigious scholarship awarded to Ibrahim Malik, a high-achieving Indonesian student who has been accused of sexual abuse.At least 30 female students from the Indonesian Islamic University (UII), where Ibrahim completed his undergraduate degree, have come forward to report him to the Yogyakarta Legal Aid Institute (LBH Yogyakarta) for alleged sexual abuse.A petition on, created on Thursday by four Indonesian recipients of the Australia Awards scholarship – the scholarship on which Ibrahim is currently studying in Melbourne – had garnered 4,700 signatures as of Saturday. “We ask the Australia Awards Scholarship to have zero tolerance for sexual abusers by revoking the perpetrator’s scholarship,” the petition said. It added that sexual abuse was not in line with the values of Australia’s Department of Foreign Affairs and Trade, which was committed to preventing sexual exploitation, sexual harassment and violence. Read also: High-achieving student to be stripped of honors after 30 women report him for alleged sexual abuseIbrahim responded to the accusations on Instagram on April 29, saying he had been wrongly accused and that he forgave those who accused him.Ibrahim, who was granted an honorary title by UII for his academic achievements, will be stripped of the accolade as a result of the allegations, a UII spokesperson said on Wednesday.A spokesman from the Australian Embassy said the embassy had been notified of Ibrahim’s alleged sexual misconduct.“We are aware of allegations of sexual misconduct by an Australia Awards scholar. The Australian Department of Foreign Affairs and Trade and its programs have a zero-tolerance approach to sexual misconduct claims,” he told The Jakarta Post on Friday.“We take all allegations of this nature seriously and manage them in accordance with our policies and Australian law,” he continued, adding that the embassy was unable to provide further details because of privacy constraints. The Australia Awards Scholarship also replied to The Jakarta Post’s request for comment.”The Australia Awards in Indonesia, the Australian Department of Foreign Affairs and Trade and the University of Melbourne are fully aware of the allegations against Ibrahim Malik. All further action relating to this matter will be taken by the University of Melbourne and the Australian Department of Foreign Affairs and Trade on behalf of the Australian Government as sponsor of Mr. Malik’s Australia Awards scholarship,” the Australia Global Alumni team in Indonesia said on Thursday.Topics :last_img read more

Zumba class organizer in East Lombok fined for neglecting COVID-19 protocol

first_imgA Zumba session organizer in East Lombok was slapped with a Rp 400,000 (US$26.90) fine for neglecting the social distancing COVID-19 protocol during its program.The program, which was attended by hundreds of participants, gained netizens’ attention after a recording of one of its sessions went viral on social media. The participants were also seen not to be wearing masks in the video. East Lombok regional secretary Juani Taofik confirmed that the event had been running since Sept. 16. However, he was unaware about it since it took place inside a building. Read also: Bali to slap fines on people who go out without masksJuani also said he had already notified the organizers. “Whoever uses public facilities without implementing COVID-19 protocols will be fined. The organizer had paid the fine earlier,” Juani said as quoted by on Tuesday.Lombok Police chief Sr. Comr. Tunggul Sinatrio said the police had not been notified about the program.“The police didn’t know because the organizer did not ask for our permission,” Tunggul said. (dpk)Topics :last_img read more

Injury woes continue for Saints

first_img Wanyama and Clyne joined the growing number of absentees after being forced off against Villa. “Victor has a hairline fracture [in his leg],” Pochettino said. “We don’t know time-wise how long he is going to be because it also depends on personal recovery times. “I hope he recovers soon. Right now, we don’t know exactly when. “Clyne made a sharp movement against Villa in the second half and received a tweak in the pelvis region.” The pair are in good company on the sidelines, with Morgan Schneiderlin ruled out again and Jose Fonte a doubt. Guly do Prado and Danny Fox are long-term absentees, while Paulo Gazzaniga will again start in goal as Artur Boruc fractured his hand last week and back-up Kelvin Davis is struggling with a side injury. The only good news on the injury front for Saints is the return to fitness of former club record signing Gaston Ramirez, although he has not been a regular this season. “Before the game against Chelsea, Gaston was suffering from a bad cold,” Pochettino said. “Even before the game against Aston Villa he was still recovering from that, but these past few days he has been training will. We are confident he will be fit for tomorrow.” Southampton could be without eight first-team players against Manchester City this weekend, with Victor Wanyama and Nathaniel Clyne the latest to join their ever-worsening injury list. Press Associationcenter_img Saints’ fine start to the season is fast becoming a distant memory, with Wednesday’s 3-2 home defeat to Aston Villa their third loss in succession. Mauricio Pochettino’s side are not only struggling for form but also injuries heading into Saturday’s clash with City. last_img read more