Thanks for pointing out short comings.  Let me clarify.
> > by Linux Press in 1998.
There is dwarfs-debian-guide package in testing/main for newer content.
> 	Yes, it's updated. Look at the previous posts.
> 	By the way, why is the www.debian.org/doc/ page so bad?
Please tell us your suggestion.
I will propose to debian-doc people.
"Quick" according to Josip :).
> 	And all the other URL that came up in these last posts...Why?
> 	Why not even a pointer?


marshamercer.com: Serving uncertainty: Pass the salt?
Hello, whole milk, my old friend. Welcome back, eggs. Where you been, salt?
The federal government is about to write new nutritional guidelines aimed at keeping Americans healthy. Whole milk soon may be back in our good graces, along with eggs and even salt. Unless they're not.
No wonder people are confused and peeved, if not angry.
The last thing anyone wants in nutrition rules is uncertainty. Why waste precious time deciding whether to buy a can of chicken noodle soup based on its milligrams of sodium if the science now says sodium is not a big deal? Our knowledge of nutrition and health is constantly changing.
A headline on the front page of Wednesday's Washington Post read: "A thinning case that fat causes heart ills – New studies vindicate whole milk as dietary advice is revised." Uh-oh.
We've been told for decades to substitute low- and non-fat milk for whole milk to prevent heart disease and other health problems. It turns out that whole milk may contribute less to heart trouble than the low-fat foods loaded with refined grains and sugar that we substitute for it.
In other words, cookies and cakes, even the low-fat variety, are no solution.
Researchers found that people who included more milk fat in their diets actually suffered lower levels of heart disease than those who consumed less. And, no, the studies were not paid for by the dairy industry.
Cholesterol also isn't the problem we once thought, so eggs, red meat and shrimp may no longer set off alarm sirens. We eat too much salt, but it may not be the culprit it seemed. And on top of all that, one study found that breakfast may not be the most important meal of the day.
Naturally, people are frustrated. It's tempting to throw federal Dietary Guidelines out with the skim milk.
"People may be losing confidence in the guidelines," Rep. Collin Peterson, D-Minn., said Wednesday at a House Agriculture Committee hearing, adding that many of his constituents "don't believe this stuff anymore.
"They're "flat out ignoring this stuff," he said.
"Given the public's skepticism, we should maybe reconsider why we are doing this," Peterson said.
We are doing this because Congress in 1990 required that federal dietary guidelines be issued at least every five years. The guidelines set policy for everything from school lunches and other federal food programs to advice to individuals about what to eat to prevent such chronic conditions as heart disease, high blood pressure, type 2 diabetes, cancer and obesity.
Dietary Guidelines 2015 are due to be released by the end of the year.
An independent advisory committee that is helping the departments of Health and Human Services and Agriculture prepare the 2015 guidelines issued a massive report with several controversial recommendations. During the public comment period, about 29,000 comments were submitted – vastly more than five years ago.
Agriculture Secretary Tom Vilsack and HHS Secretary Sylvia Burwell said the committee's report is not a draft of the new rules, which have not yet been written.
In a blog post this week previewing the new guidelines, Vilsack and Burwell said the new rules will look a lot like the old.
"Fruits and vegetables, low-fat dairy, whole grains and lean meats and other proteins and limited amounts of saturated fats, added sugars and sodium remain the building blocks of a healthy lifestyle," they said.
Two recommendations by the advisory committee are definitely out. There will be no sustainability goals and no tax on sugary soft drinks, Vilsack and Burwell said. Sustainability refers to the environmental impact of food production. Meat and other producers that require a lot of water lobbied heavily against including sustainability in the guidelines. Soft-drink companies rallied against the tax.
Critics still will complain that the federal government shouldn't tell us what to eat. Republicans criticize the "food police" as vociferously as health advocates complain about subsidies to sugar and corn. Conservatives want the National Academy of Sciences Food and Nutrition Board to review the guidelines before they're released to the public. That could delay the process.
So, what should you do if you're fed up with the government's changing recommendations about good nutrition? The most practical advice may be: Get used to it. And, to be on the safe side, put the salt away.


The L.A. thrash terrors keep coming back more vicious than before. 'The New Age Of Terror' is, as vocalist and leader Katon W. DePena puts it, "a dark and hellish" take on the band's treasured sound. Limited edition comes with a DVD featuring over 100 minutes of live footage.


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Grandly heralded bands with more praise than sales under their belt could do no worse than to have their work documented by music journalists like Jenn Pelly. With her beautifully-crafted debut book on The Raincoats' self-titled 1979 post-punk classic, Jenn guides us through both a history of the all-female band and the influential album's place in music history. Also Pitchfork's Associate Reviews Editor, the Brooklyn writer's book-length essay is the 126th volume of the 33 1/3 series on a single album.


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What is the key role that SEBI plays with respect to investor interest protection?
Fundamentals,Macro economic outlook,Market View
What is the role that SEBI plays in the capital markets?
What is the role that SEBI plays in the capital markets in India and why it is important?
What is the role that SEBI performs in Indian capital markets?
What is the major role that the Registrar and Transfer agent to a company plays?
When SEBI refers to separation of role of brokers what does that mean and would that be negative for brokers?
What are the key recommendations that SEBI made last week on the subject of Debt ETFs?
What are some of the key risks that one can see in the new RIA regulations brought out by SEBI?
What are the key factors that go into the determination of interest rates?
what is the mutual funds in india and what role does Securities and Exchange Board of India (SEBI) play in regulating mutual funds?
What are the key questions that I need to ask about a pullback?


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Asian Development Blog Straight Talk from Development Experts
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What Policies Saved Jobs During the Pandemic? Five Key Findings from Southeast Asia
Social protection - labor and employment
Women, particularly the poor, were among the hardest hit by job losses during the pandemic. Photo: ADB
By Sameer Khatiwada
Women and young people were hit the hardest by job losses during the pandemic but some governments used innovative policies to improve the situation.
The pandemic has had a devastating impact on labor markets worldwide, including in Southeast Asia. A new ADB study covering Indonesia, Malaysia, the Philippines, Thailand, and Viet Nam shows that this has been a crisis like no other.
In the first year of the pandemic, Southeast Asia managed to contain the virus relatively well compared with most other regions, but with some heterogeneity across countries. All countries implemented strict containment measures including lockdowns, workplace closures, and mobility and travel restrictions. While playing a crucial role in mitigating the health impacts, these measures had important repercussions on labor markets. Job losses peaked in the second quarter of 2020, when containment measures were at their most stringent.
Unemployment rates surged as mobility restrictions and workplace closures prevented labor reallocation across sectors, while many other displaced workers exited the labor force. Job losses only partially accounted for working hour losses, as labor market adjustment also took the form of reductions in working hours. The extent to which working hour reductions were used by firms and workers varied across sectors and countries.
As containment measures weighed heavily on economies and labor markets, most countries began lifting restrictions in the second half of 2020. Transitions into employment in the second half of 2020 consisted primarily of movements to own-account work, contributing family work, and informal work, reflecting a lag in the recovery of formal employment. Estimates suggest that informal employment has increased compared to pre-pandemic period.
Youth were hit hard across the region, through disruptions in education and training, delayed school-to-work transitions, and a disproportionate share of job losses among young workers. Young workers, who represent only 10%–15% of the workforce in Indonesia, the Philippines, Thailand, and Viet Nam, accounted for a disproportionate share (between 22% and 45%) of job losses at the height of the pandemic's impacts on labor markets. In all countries, and across virtually all age groups, women were more likely to exit the labor force following job loss.
In all countries, and across virtually all age groups, women were more likely to exit the labor force following job loss.
Our research found five key findings regarding governments' response to COVID-19 in Southeast Asia.
First, as the labor market impacts of COVID-19 across Southeast Asia in 2020 was unprecedented, so were the government responses. Fiscal measures announced or implemented since the onset of the crisis ranged from 2.7% of GDP in Viet Nam to 18.8% of GDP in Thailand, with spending on social protection constituting between 65% and 91% of the fiscal response packages in our five countries. Most policy measures were announced in the early stages of the crisis, with countries implementing additional measures, extending the duration of programs, and increasing spending commitments over time.
Second, social assistance measures represented the lion's share of the social protection response in these countries. Key interventions across our sample countries consisted of massive horizontal expansion (increased population coverage) of existing programs, although new programs were also introduced, and other measures involved the vertical expansion (increase in benefits) of existing programs. In general, the speed and timeliness of interventions were aided by the use of social registries or beneficiary databases from existing programs and electronic methods for benefit disbursement.
Third, social insurance measures benefited a small segment of formal workers, but the coverage of these policies remained limited, emphasizing the need to intensify formalization efforts. Social insurance programs, where they exist, target formal employees and as such had very low incidence (less than 4%) among the poorest quintile of the population in these countries. Social insurance response measures to COVID-19 were generally linked to existing measures and pertained to four social protection areas: unemployment insurance, health insurance, sick leave and employment injury, and contributory pensions. The limited social insurance coverage highlighted by the pandemic has further emphasized the need to tackle persistent informality in these countries.
Fourth, labor market policies have also played a key role in the response, with some form of wage and training subsidies implemented across all five countries. Active labor market policies including wage and training subsidies played an important role in country responses, although the scope and coverage of interventions differed significantly across countries. The highest coverage by labor market policies (in terms of targeted percentage of the workforce) in these countries was afforded by Thailand's informal workers subsidy program and Malaysia's employment retention program.
Fifth, the pandemic provided an opportunity for countries in the region to fill preexisting social protection gaps and expand coverage to new beneficiaries. Before the pandemic, Southeast Asia had significant social protection coverage gaps: a large share of workers, often informal, were neither covered by social insurance nor social assistance. These gaps were further exposed and highlighted by the pandemic. All countries in this study have attempted to fill these gaps, by extending social protection to informal workers and expanding coverage to vulnerable groups.
The crisis is not over. At the time of writing of this report, newly identified variants of COVID-19 such as the Omicron are spreading through the world, and vaccine coverage remains highly uneven. There are considerable downside risks to economic and labor market recovery. The study gives initial evidence to identify priorities, constraints, and opportunities for developing effective policies and strategies in the recovery period and beyond.
Sameer Khatiwada Social Sector Specialist (ICT), Southeast Asia Department, ADB
More from the Author(s)
5 Ways Technology is Improving Governance, Public Service Delivery in Developing Asia
For Southeast Asian Employers, the Fourth Industrial Revolution is a Chance to Create Jobs
How Should Governments Regulate Technology in a Post-Pandemic World?
In the Age of Automation, How Can the Services Sector Provide Decent Jobs?
Philippine BPOs: Getting Ahead of the Automation Curve
疫情如何改变我们对好工作的看法
How the Pandemic Changed the Way We Think About Quality Jobs
Philippines' COVID-19 Employment Challenge: Labor Market Programs to the Rescue
Despite the Pandemic, Remittances Have Kept Flowing Home to Asia's Families
About the Asian Development Blog
The Asian Development Blog is a forum for high-quality commentary and insights from ADB staff and other development experts about issues and challenges facing Asia and the Pacific.
The views expressed in these blogs are those of the authors and do not necessarily reflect the views of the Asian Development Bank, its management, its Board of Directors, or its members.
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HomeAthletesRaymond Felton Net Worth
Raymond Felton Net Worth
By Athletes 0 Comments
Raymond Felton was born into a family of Barbara Felton, Raymond Felton, Sr. Juvonna Felton, Charmaine Felton. Earning the unknown along his career, Raymond Felton is a Basketball player. As a professional athlete, this person has one numerous awards and trophies, including: NBA All-Rookie Team, Bob Cousy Award, Naismith Boy's High School Player of the Year. A decorated career started in school University of North Carolina at Chapel Hill and later progressed, launching Raymond Felton into stardom. Born on unknown in unknown, this Basketball player stood out from the rest of the crowd as early as in their child years. Making them a globally known and cheered superstar, their career earnings through winnings and sponsored deals have guaranteed Raymond Felton a lot of money. Want to know how much exactly? Well it is estimated that the net worth of Raymond Felton is around $15 Million
Read more about Raymond Felton Biography
Raymond attended Latta High School, and during his time there helped the school win two state championships. He had a record of 104-9 there in the games he played, and also set a state scoring records with 2,992 points. He was named Naismith Prep Player of the Year in 2002, and was voted as MVP in the 2002 Roundball Classic. Before moving to his college career, he was considered a five star recruit and the number one point guard prospect in the country.
After matriculating, he attended the University of North Carolina and would make an impact during his freshmen year. He became a Bob Cousy award finalist during his second year and set a school record of 18 assists in a single game. In his third season, he helped the Tar Hills win the 2005 National Championship, which would help earn him the Bob Cousy Award and he was also put on the cover of the video game "NCAA March Madness 06".
Felton joined the 2005 NBA draft, and was selected as the fifth overall pick by the Charlotte Bobcats. He scored and generally performed well during his rookie year, which led to selection in the NBA All-Rookie Second Team. He became a starter point guard during his first year and would continue improving over the next two years. However, the Bobcats were in the midst of rebuilding their team, and Felton struggled to shoot at the three point range. When the Bobcats drafted DJ Augustin in 2008, Raymond's statistics started to drop and he eventually became a free agent the following year. He signed for one more season, and the Bobcats would make it to the playoffs for the first time before being defeated in the first round.
In 2010, Raymond signed a two year $15.8 million deal with the New York Knicks, which helped increase his net worth significantly. He helped lead the Knicks to the playoffs, however, he was traded to the Denver Nuggets the following year. During his time with the Nuggets, he was only utilized as a backup point guard though he performed well. However, wasn't satisfied with playing off the bench, and so he was traded to the Portland Trail Blazers. He struggled with the Blazers and didn't get along with head coach Nate McMillan, so after a season he returned to New York in a trade, and was given a three year $10 million contract extension which continued to increase his net worth. He improved his play from the previous season, though he had an injury that sidelined him for several weeks.
In 2014, he was traded to the Dallas Mavericks and would record a triple double in his final season with them. He was then traded to the Los Angeles Clippers in 2016.
For his personal life, it is known that Raymond was married to Ariane from 2012-14. He has had several issues with authorities; in 2014 he was arrested on felony gun charges and pleaded guilty as part of a plea deal, so was given 500 hours of community service and a $5,000 fine. He was also suspended for four games during the start of the 2014-2015 season.
Full Name: Raymond Felton
Net Worth: $15 Million
Salary: $1.5 Million
Date Of Birth: June 26, 1984
Place Of Birth: Marion, South Carolina, USA
Height: 6′ 1″ (1.85 m)
Profession: Basketball player
Education: University of North Carolina at Chapel Hill
Spouse: Ariane Felton (m. 2012–2014)
Parents: Barbara Felton, Raymond Felton, Sr.
Siblings: Juvonna Felton, Charmaine Felton
Twitter: https://twitter.com/rfeltongbms
Awards: NBA All-Rookie Team, Bob Cousy Award, Naismith Boy's High School Player of the Year
Professional basketball player with the Charlotte Bobcats (2005-2010), New York Knicks (2010-2011; 2012-present), Denver Nuggets (2011), and Portland Trail Blazers (2011-2012).
Selected by the Charlotte Bobcats in the first round of the 2005 NBA Draft (5th selection overall).
Played basketball at the University of North Carolina, 2002-2005.
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Louis-Jean-Noël Duveau, a French painter, who was born at St. Malo in 1818, studied history and genre painting under Léon Cogniet in Paris, and afterwards visited Italy. He was successful in representing scenes of fisher-life in his native country. He died in Paris in 1867. In the Lille Museum is his Perseus and Andromeda, painted in 1865.

References

1818 births
1867 deaths
19th-century French painters
French male painters
People from Saint-Malo
19th-century French male artists

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Lenny Vandermade (born January 3, 1981) is an American football coach and former player. He currently serves as an Offensive Analyst at the University of Southern California.

High school career
Vandermade prepped at Mater Dei High School in Santa Ana, California. He was a 1998 Super Prep All-American, USA Today All-USA honorable mention, Prep Star Dream Team Top 100, Super Prep All-Farwest, Prep Star All-Western, Long Beach Press-Telegram Best in the West honorable mention, Orange County Register Fab 15 second-team, Tacoma News Tribune Western 100, Cal-Hi Sports All-State first-team, All-CIF Southern Section first-team, All-CIF Division I first-team, Los Angeles Times All-Orange County, Orange County Register All-Orange County first-team and All-South Coast League first-team as a senior at Mater Dei. He did not allow a sack in 1998 as a left offensive tackle. On defense, he had 26 tackles with 2 sacks. Mater Dei went 13-1, won the CIF Division I championship and was ranked No. 2 nationally by USA Today.

As a 1997 junior, he made the Cal-Hi Sports All-State Underclass first-team, All-CIF Southern Section second-team, All-CIF Division I first-team, Los Angeles Times All-Orange County first-team, Orange County Register All-Orange County second-team and All-South Coast League first-team.

He made the Cal-Hi Sports All-State Sophomore first-team and All-South Coast League second-team as a 1996 sophomore as Mater Dei went 14-0, won the CIF Division I title and was named national champion by USA Today. He earned at least a 90% blocking grade in all of his games as a junior and senior. He also posted 78 career tackles (7 were sacks). A 3-year starter, Mater Dei went 40-2 during that time. Fellow Trojans Matt Grootegoed, Matt Leinart and Will Collins also prepped at Mater Dei.

College career
Vandermade played college football at the University of Southern California.

2003: The steady, reliable Vandermade started at left offensive guard as a senior in 2003, his fourth season as a line starter. He was slowed during the early part of 2003 spring practice while recovering from a biceps injury. He won USC's Co-Lifter of the Year award.

2002: Vandermade started for his third season on the offensive line, this time at left guard as a junior in 2002 (he also has seen action at center in his career). He tore his right biceps tendon at Stanford, which required surgery and sidelined him the rest of the 2002 season.

2001: Vandermade started for his second season at center as just a sophomore in 2001. He started 8 games (all but Oregon, Washington, Arizona State and Notre Dame) and appeared in 11 contests (he did not play at Washington). He also saw some action at guard in 2001. He was on the "Watch List" for the 2001 Dave Rimington Trophy, given to the nation's top center.

2000: As just a redshirt freshman in 2000, Vandermade did an exceptional job while starting all season, the first 5 games at left offensive guard (for an injured Trevor Roberts) and then the final 7 contests at center (for an injured Eric Denmon). He was named to the 2000 Freshman All-American first-teams by The Sporting News and Football News.

Professional career
Vandermade played for the National Football League champion Pittsburgh Steelers NFL Europe affiliate Hamburg Sea Devils.  He was originally signed by the Baltimore Ravens.

Coaching career
In addition to USC, Vandermade has coached at San Diego State, the University of San Diego, and Santa Margarita Catholic High School.

External links

USD profile
USC profile

1981 births
Living people
Sportspeople from Santa Ana, California
Players of American football from California
American football offensive guards
USC Trojans football players
Pittsburgh Steelers players
Hamburg Sea Devils players
San Diego State Aztecs football coaches
San Diego Toreros football coaches
American people of Polynesian descent


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United States of Europe
Bell opposed easing rationing in Great Britain after the war so that sufficient food would be available for the Germans. He was against the removal of German industrial facilities as reparations since he considered Germany's reconstruction to be indispensable to all of Europe. Logically, he also declared himself against the partitioning of Germany and propagated a "United States of Europe".
He believed that, The future of Europe is inescapably bound up with Germany …If Germany is divided, Europe will be divided. … British foreign policy should be against the further division of Europe. So far as we can arrange or promote it, there must be no iron screen, either in imagination or reality … Let Europe be envisaged as a whole; let the old national disruptions and the old national barricades come to an end, so far as we can help it. Let the economic interdependence of all Europe, whether East or West, be one of our foreign policy aims, and, as a part of that, the economic interdependence of the east and west of Germany. (Speech in the House of Lords on June 11, 1947, quoted from Raina, Bell, 107ff.) He therefore propagated the … progressive establishment of a United States of Europe with a common foreign, military, and economic policy (Resolution for the Province of Canterbury, October 1947, quoted from Coupland, Bell, p. 319).
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Home » Unearth Hidden Treasure with Data Analytics
Unearth Hidden Treasure with Data Analytics
Business intelligence services help CUs turn data into action.
Patrick Totty
CUNA Environmental Scan resources
IQR Consulting
Saylent Technologies
The Members Group
Credit unions aren't always aware of the immense amount of data they have in their various systems. But more important, they need to know how to make their data useful.
That's where data analytics comes in, says Dean Nolan, vice president of products and marketing at Saylent Technologies. He defines data analytics as the deep analysis of information credit unions already have on hand.
"Good use of data can increase member satisfaction and help credit unions reach their marketing goals," Nolan says.
But that simple definition can trigger simple assumptions. "Many credit unions typically will think of applying data to direct mail promotions," says Dan Lozier, senior director of client relations at The Members Group. "The question for them is, 'How can we make all this data useful?' "
He says credit unions haven't been as sophisticated as big card issuers in churning through data to serve consumers in the most effective ways.
"A key to that is understanding consumer behaviors, as well as the more traditional demographics such as age, sex, and income," Lozier says.
"You need to ask where transactions occur: Does a member use his debit card primarily for groceries and gas? Does she travel or order online a lot? You have to reach each member differently with unique offers that apply specifically to them."
"Analytics not only involves getting a better grasp on member data, but also analyzing your approaches to them," adds Kim Brackhan, vice president of sales for Experian. "What worked and what didn't? You need to look at members' activities and behaviors to determine what to offer and the best time to offer a loan or other product."
She says the data source mix for all of this is vast—loan application data, demographic information, credit data and scores, and behaviors. "Within those sources are characteristics and trends that often go unnoticed."
Trying to gain efficiencies through data analysis is a big consideration: The ability to make quick decisions with less manpower adds to the bottom line, Brackhan says.
'Get the loans that got away'
The first questions IQR Consulting asks credit union clients that inquire about data analytics, says Karan Bhalla, the company's managing director: What problems are you facing and what do you expect from this service?
He says credit unions can use data analytics to address concerns such as slow membership growth and underperforming loans. "Once we determine a client's needs, data analytics has three steps: collect the data, convert it into usable information, and apply the information to concrete actions."
IQR uses both "on us" data—the credit union's own data, such as loan originations, payment histories, and other member activity— and "off us" data the company supplies, such as credit bureau data, general economic information, and seasonal trend reports.
"In most cases, credit unions have more data than they think they have," Bhalla says. "We help clean and better manage that data. We want to make sure that the analytics process is based on good information."
Lozier says some credit unions approach The Members Group because of flat-line performance in certain product categories. "Many times the problem is that they have continued doing generic promotions that simply no longer work. They need to move on to more targeted, sophisticated approaches.
"The right offers and timing lower costs because you spend less to reach the most receptive people," he continues. "With a more targeted approach, the potential return is much higher due to an increased response rate and the use of fewer marketing resources."
Key to determining the most receptive members is intensive segmentation, "which is more than three or four general categories, such as age, sex, income, etc.," Lozier says. "There are segments within segments, and different behavior patterns exist within each. You're looking for two main bits of information: Who are the right people to market an offer to—and who are the wrong people?"
Big Data, Big Opportunities
"Big data" describes the exponential growth, availability, and use of information. It can serve as the basis for innovation, differentiation, and growth.
It's important to focus on the ever-increasing volume, variety, and velocity of information that forms big data. The challenge is in determining the relevance of this data and creating value from it.
Contributors to big data, according to the 2013-2014 CUNA Environmental Scan, include:
Radio frequency identification systems that generate up to 1,000 times the data of conventional barcode systems.
Payment card transactions, of which 10,000 are made every second around the world.
Check-in, Wi-Fi, and geolocating technologies that signal customer presence and patterns.
Social media channels such as Twitter—which produces 340 million tweets per day—and Facebook— which has 1.23 billion users worldwide generating social data.
The more than five billion people who are calling, texting, tweeting, and browsing websites on mobile phones.
Nolan offers an example of how appealing to the right segment can work. "We helped one California credit union track card users who were doing less than $250 in signature transactions each month. It offered these members $20 in gas vouchers if they would increase their signature transactions to $500 or more per month. Card users became habituated to increased use, and the credit union saw a 93% increase in card use that was sustained for more than 90 days after the end of the campaign."
Data analytics vendors understand credit unions are concerned with credit risk. "One credit union came to us and said, 'We want to offer more loans to more members, but safely. How can we do this without running substantial risk?' " Brackhan recalls. "We looked at their data and determined they really couldn't [lend any deeper]. So we looked at loans they had previously approved but not booked, and found that those loans were performing well.
"Our advice was to go after those types of loans and book them," she continues. "Don't lend deeper; get the loans that got away."
What keeps credit unions from exploring data analytics? Lozier cites two main culprits:
Lack of experience within the credit union. "It's often a challenge finding someone who has both the technical expertise—the ability to extrapolate information—and business acumen—knowing how to use that information to market more strategically," he says.
Concern over the expense associated with hiring someone who has both abilities.
Bhalla says that when a would-be client cites a lack of resources for not pursuing data analytics, "We suggest breaking a big project into small components. By solving a small problem, it reassures a client, who is then better able to take the next step."
Sometimes, clients simply believe what has worked in the past will continue to work in the future. But that's not usually the case.
"Say your credit union goes from 5,000 to 10,000 members due to successful marketing efforts," Bhalla says. "Now you have a different set of problems and concerns."
Whatever the objective, Lozier says, using data analytics correctly is a continuous process. "Say you run a targeted campaign directed at a specific group of members. You measure results by which segments produced the greatest response, then incorporate what you've learned into the next campaign. You constantly refine."
Sometimes the proof in the data analytics pudding reveals itself in member responses, he says. "We've seen member comments like, 'You knew what I wanted before I asked for it,' and 'I never thought of 'X product' until you suggested it.'
"The idea is to stay ahead of people, no matter what their stage in life," Lozier continues. "Data analytics isn't magic. It's a disciplined, scientific process that not only can tell you who to market to and how, but also help you identify risky accounts so you can prevent loss."
But Nolan cites two bad practices that using data analytics can invite: Overestimating or underestimating its effects. "Overestimating means taking a 'boil-the-ocean' approach that seeks solutions to every marketing or membership problem a credit union has. Underestimating occurs when a credit union seeks a one-size-fits-all solution that really doesn't meet its unique needs."
Credit unions need an "ask" when pursuing data analytics, Brackhan says: "a goal, a plan for implementing it, and a team to carry it out. Typically, what may deter a credit union from pursuing data analytics are concerns about resources and time, and the ability to prioritize objectives. So build your plan ahead of time."
PATRICK TOTTY is a freelance-writer based in Larkspur, Calif.
KEYWORDS analytics data marketing


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Aston Martin's First Foray Into Architecture Will Change the Face of Luxury Living
Paging Mr. Bond.
Jared Paul Stern
Behold Aston Martin Residences, the plan for a 66-story ultra-luxury tower in Downtown Miami just unveiled by the venerable supplier of sports cars to agent 007.
The eye-popping project marks Aston Martin's first-ever foray into real estate development and design and aims to let the marque's enthusiasts immerse themselves in the total Aston Martin lifestyle.
The idea being that you can go seamlessly from your Aston Martin penthouse to your Aston Martin yacht and your Aston Martin sports car, all without having to interact with lesser brands.
Slated for occupancy in 2021, Aston Martin Residences will be home to 390 multimillion-dollar condominiums offering incredible panoramic views of Biscayne Bay and the Miami area.
There will be seven Bond-worthy penthouses and one over-the-top duplex penthouse all of which will lay claim to private pools and enormous terraces.
The luxe tower will also feature two private lobbies, a two-level fitness centre with ocean views, a full-service spa, a garage worthy of the world's finest sports cars, and a marina for your Aston Martin yacht.
The residences will be "encased in a bold sail-shaped building" designed by Revuelta Architecture and Bodas Mian Anger, renowned for "creating landmark properties that are aesthetically pleasing and yet grounded in performance and purpose."
The Residences will be the ultimate expression of Aston's Art of Living venture, which integrates the bespoke craftsmanship of the cars at every level.
Features will include interior doors with bespoke artisan-made Aston Martin handles and tan leather door tabs in the same hide used to craft car interiors.
Aston Martin reception desks will adorn each lobby and the Aston aesthetic will be visible in all areas including the stunning infinity pool located on the 55th floor.
See you there...?
Behold the Ultimate Aston Martin Bible
By Jared Paul Stern
Aston Martin's Miami Residence Tower Is Open for Business
The Aston Martin DB11 Volante Is Too Sexy for Words


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My friend Monty is an avid SCUBA diver, and he's constantly trying to get me to join him. Don't get me wrong—I LOVE the ocean; I call myself the Sea King. Still, the thought of dressing up like a seal, and proactively choosing to load my body with weights so I can sink down to a shark's living room has yet to appeal to me. But over a million people dive every year, and the vast majority of them can get an aggressive offer on life insurance. Creating a niche in this market is easy…..especially if you dive yourself.
Learn the guidelines. Carriers vary in how they underwrite SCUBA. Everybody wants to see certification and experience. But it goes beyond that—significant factors include average depth, maximum depth, frequency of dives, and the purpose of the dive. (Hint: diving alone, deep, at night, for treasure might be a problem.)
Find the groups and get involved. These clubs are everywhere. They meet all the time. Heck, go to Monterey for the day and look in the darn water.
Teach them. Many divers think they're hobby means a good rate on life insurance can't happen, but that's simply not the case for the vast majority.
Build a personalized questionnaire. Become the expert, and you've built the niche. HD. Mooers can help.
www.lifeinsuranceforscuba.net* wasn't taken. And we can steer you in the right direction when it comes to building a website.
*(like how we changed it from ".com" to ".net" there? You know, for the whole fish connection?)
Most average, recreational divers are Standard or better risks.
Rating $2.50/1000 to decline: Depending on the combination of depth (>120 feet), experience and technical diving SCUBA history combined with medical ratings >200% due to CAD, cerebrovascular disease, obesity, respiratory disease, and psychiatric illness are usually declined
Prudential Guide
Blog, Lifestyle, NOAH


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Your Texans: Larry Kirksey
After watching Texans wide receivers coach Larry Kirksey, you start looking for the big stick. You figure he must have one. He walks so softly.
"He's more quiet," wide receiver Kevin Walter said. "He doesn't need to yell. You know when he talks, you need to listen to him. Every time he says something, you need to make sure you get that right and do exactly what he says, because otherwise, you're going to mess up.
"He's just not the type of person to yell as far as being on someone. He'll get on you, but he won't yell."
Veteran players like Andre Johnson know Kirksey's coaching style is unusual.
"Coach Kirksey is a great person," Johnson said. "He's probably the most laid-back coach I've had since I've been playing football.
"I was really shocked at first, because you really don't find too many laid-back coaches. But he always tells you, don't take that for a weakness. If he really wants to get in your face, he could. That's just not his way of doing it."
Kirksey, who has been coaching for 33 years, doesn't feel a need to yell.
"I'm kind of old-school I guess," said Kirksey, in his first year with the Texans. "I heard (running backs) coach (Chick) Harris say that he was loud, but I'm not a screamer and I'm not a yeller. That's just not me.
"If I've got to scream and yell at you, then you got the wrong guy coaching you. If I do bark, it's once a year and everybody stops and looks and says, 'Oh, something's wrong,' because you don't hear this guy yelling very often."
Kirksey still gets his points across to players young and the old.
"He's a great coach," Walter said. "He demands a lot, whether we're out here doing a walk-through or in a game, he demands a lot. You need to know your assignments. You need to be consistent.
"He's taught me a lot. He's helped me with this offense. He's helped me to be consistent and helped make me comfortable out there. He's done a great job with everybody, not only me, but all the receivers. He knows exactly what to do and I'm glad we have him as a coach."
Teaching is one of Kirksey's strengths.
"I like to think that I'm a teacher because coach has told us we need to teach these guys," Kirksey said. "I'm going to teach you. I'm going to squeeze you around the neck a little bit and look at you kind of differently when you do things wrong. But I expect you to do the right things.
"But my demeanor, don't let it fool you. It's been very successful through the years so I'll leave it at that."
That's almost an understatement. Kirksey's success is measured on a grand scale since he worked with Jerry Rice and Terrell Owens as San Francisco 49ers wide receivers coach for five years.
{QUOTE}Kirksey joined the 49ers and Rice in 1994. The next year, Rice hit career highs with 122 catches and an NFL record with 1,848 receiving yards. In Kirksey's six years with San Francisco, Rice caught 606 passes for 6,666 yards.
He also coached Terrell Owens for his first four years in the NFL, during which Owens caught 222 passes for 3,307 yards. That includes Owens' third season, when he caught 67 passes for 1,097 yards and 14 touchdowns.
Kirksey's resume impresses the Texans.
"That means a lot," Walter said. "He coached the greatest receiver who ever played the game (Rice). That's unbelievable. And he coached him for several years. He's coached many guys. It's unbelievable the talent he has been around and it's just awesome to have him here and have us benefit from his coaching style."
Johnson agrees.
"He's coached some of the best receivers ever, like Jerry Rice and Terrell Owens, guys like that," Johnson said. "If you have a question or anything, you go to him and he's always right there. He's always telling me things to try and help me improve my game.
"He's coached the best receiver to ever play the game. What more can you ask for? I remember when I first met him, he used to tell me a lot about Jerry, how Jerry worked and things like that. He's given me a few films to watch on Jerry. He always gives you things to help make you a better player."
Ironically, the quiet Kirksey doesn't want his star player to mimic his style.
"Andre's one of those quiet guys," Kirksey said. "I wish he'd be a little more talkative and take on more of a leadership role.
"But the thing about him is you know week in and week out, he's going to play hard and give you great effort and he's never ever going to back down from a challenge. So I think his game right now is that he is really starting to take off and he's just going to continue to get better and better."
That is Kirksey's goal with all of his receivers, teaching them to be better every practice.
"Our players are only as good as the coaches," Kirksey said. "We realize that as coaches we may know more information than these guys know, but it's not what we know, it's what the players know.
"When they know what to do, they can go and execute and get it done. That's the key and I just think coach (Gary) Kubiak's a very smart football coach and he's going to put the players in the best position to win and have some success. We as coaches are going to follow the things he's laid before us to get them going."
And you can use your indoor voice to accomplish that.
EDITOR'S NOTE: Jim Carley is a veteran Houston sportswriter who has covered the NFL for more than 25 years. He has worked for such newspapers as the Fort Worth Star-Telegram, The Houston Post, the Los Angeles Herald-Examiner and the National Sports Daily covering such teams as the Dallas Cowboys, the Houston Oilers, the Los Angeles Rams and the Oakland Raiders.
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Houston Texans defensive end J.J. Watt was named the 2017 Walter Payton NFL Man of the Year.
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Bob and his wife Janice McNair awarded over $1.1 million to graduating seniors in Rutherford County, North Carolina.


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