Half of motorists think charging loyal car insurance customers more should be illegal

first_img More From Our Partners Police Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgFlorida woman allegedly crashes children’s birthday party, rapes teennypost.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgBiden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.comRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgWhy people are finding dryer sheets in their mailboxesnypost.com980-foot skyscraper sways in China, prompting panic and evacuationsnypost.comSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.com‘Neighbor from hell’ faces new charges after scaring off home buyersnypost.comInside Ashton Kutcher and Mila Kunis’ not-so-average farmhouse estatenypost.comKiller drone ‘hunted down a human target’ without being told tonypost.comI blew off Adam Sandler 22 years ago — and it’s my biggest regretnypost.comUK teen died on school trip after teachers allegedly refused her pleasnypost.comMark Eaton, former NBA All-Star, dead at 64nypost.comMatt Gaetz swindled by ‘malicious actors’ in $155K boat sale boondogglenypost.com James Booth Fifty per cent of motorists think it should be illegal for insurers to charge existing customers more than new customers for the same cover, a new survey said today.The research by price comparison site Go Compare showed 61 per cent of participants felt insurers treat existing customers less favourably by charging those who renew their cover higher prices than new customers. Share Read more: Home insurers make 100 per cent of profits from loyal customersThe survey comes as the insurance industry faces increasing scrutiny for its pricing practices.The Competition and Markets Authority (CMA) and Financial Conduct Authority (FCA) have both probed the sector, looking at the “loyalty penalty” charged to long-standing customers.Research by Citizens Advice published this month found home insurers make 100 per cent of their profits from customers holding policies for six years or more.The FCA has started making insurers tell customers their previous year’s renewal cost and premium on renewal letters, to encourage customers to check if they still need the same level of coverage and remind them they can compare prices and cover offered by rivals. Read more: Saga shares plunge 36 per cent as it swings to £135m lossDespite the FCA’s new renewal regime being in place since April 2017, the survey found that only 46 per cent of drivers remembered seeing last year’s premium alongside their renewal price.Last year, the CMA released a series of recommendations to tackle loyalty penalties including naming and shaming insurers who overcharge loyal customers, and using targeted price caps to protect vulnerable customers.Lee Griffin of Go Compare said: “Loyal customers have every right to feel ripped-off.” Half of motorists think charging loyal car insurance customers more should be illegal Tags: Company FCA Insurance Saga whatsapp Ad Unmute by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeBleacherBreaker4 Sisters Take The Same Picture For 40 Years. Don’t Cry When You See The Last One!BleacherBreakerUndobonvoyaged.comThese Celebs Are Complete Jerks In Real Life.bonvoyaged.comUndoFilm OracleThey Drained Niagara Falls – Their Gruesome Find Will Keep You Up All NightFilm OracleUndoDefinitionMost Embarrassing Mistakes Ever Made In HistoryDefinitionUndoPost FunA Coast Guard Spotted Movement On A Remote Island, Then Looked CloserPost FunUndoZen HeraldEllen Got A Little Too Personal With Blake Shelton, So He Said ThisZen HeraldUndoHealthyGem20 Hair Shapes That Make A Man Over 60 Look 40HealthyGemUndoDaily Funny40 Brilliant Life Hacks Nobody Told You AboutDaily FunnyUndoMisterStoryWoman files for divorce after seeing this photoMisterStoryUndo Wednesday 24 April 2019 7:56 pm whatsapplast_img read more

Hester says RSA recovery is on track but premiums dip by £1bn

first_imgThursday 6 November 2014 8:44 pm Read This NextRicky Schroder Calls Foo Fighters’ Dave Grohl ‘Ignorant Punk’ forThe Wrap’Small Axe’: Behind the Music Everyone Grooved On in Steve McQueen’sThe WrapCNN’s Brian Stelter Draws Criticism for Asking Jen Psaki: ‘What Does theThe WrapDid Donald Trump Wear His Pants Backwards? Kriss Kross Memes Have AlreadyThe WrapPink Floyd’s Roger Waters Denies Zuckerberg’s Request to Use Song in Ad:The Wrap2 HFPA Members Resign Citing a Culture of ‘Corruption and Verbal Abuse’The WrapHarvey Weinstein to Be Extradited to California to Face Sexual AssaultThe Wrap’Black Widow’ First Reactions: ‘This Is Like the MCU’s Bond Movie’The Wrap’Crazy Rich Asians’ Director Wishes He Made South Asian Roles ‘More Human’The Wrap whatsapp Tags: NULL Share Caitlin Morrison Show Comments ▼ Insurance firm RSA saw its shares decline by almost five per cent yesterday as it reported premiums of £5.68bn for the first nine months of 2014, down nine per cent from £6.74bn last year.The company said profit for the third quarter was “strong”, due to £198m gains from its disposals of Noraxis and its business in Poland. Stephen Hester, RSA’s group chief executive, said the disposals had further strengthened the firm’s capital position and that a £400m subordinated bond issue in October had underlined RSA’s credit improvement. He added: “The building blocks to support RSA’s recovery are coming together.”RSA uncovered a series of financial issues in its Irish business in November last year, resulting in several senior members of staff leaving the company. RSA said its remediation work in Ireland was progressing. “We continue to target a return to profitability in Ireland by the end of 2015,” it said. Hester says RSA recovery is on track but premiums dip by £1bn whatsapplast_img read more

Doubly devastated: Poor women more likely to lose their jobs during cancer treatment

first_imgThat sequence of events is all too common. Between 20 and 30 percent of women diagnosed with breast cancer will lose their jobs, according to a study published Monday in Health Affairs, endangering their financial security as well as their insurance coverage. But the risk is heavily biased: Poor women are four times more likely to be jobless by the end of treatment than their better-off peers.And one of the most significant factors is the difference in workplace accommodations customarily offered to employees working well-paid, salaried jobs versus employees paid lower wages.advertisement Tags cancer Privacy Policy About the Author Reprints HealthDoubly devastated: Poor women more likely to lose their jobs during cancer treatment Please enter a valid email address. Newsletters Sign up for Cancer Briefing A weekly look at the latest in cancer research, treatment, and patient care. Crowdsourcing effort takes aim at deadliest breast cancers Related: The research team led by Dr. Victoria Blinder, a medical oncologist at Memorial Sloan Kettering Cancer Center, followed 267 women through breast cancer treatment in New York City. They found that workers who described their employers as accommodating were twice as likely to keep their jobs — and lower-income women were half as likely to have accommodating employers. “I always use the example of a nanny,” Blinder said. “If that person says, ‘I can’t work for the next six months,’ it’s going to be very difficult for the employer to not replace that person.” @sheridan_kate Related:center_img General Assignment Reporter Kate covers biotech startups and the venture capital firms that back them. By Kate Sheridan Feb. 6, 2017 Reprints Employees with cancer do have protections under the Americans with Disabilities Act. That means employers can’t discriminate against employees who disclose their diagnosis, and must guarantee reasonable accommodations — like a bit of flexibility for medical appointments — unless those accommodations would be too burdensome.But the ADA only applies to workplaces with more than 15 people. ADA exemptions “disproportionally affect lower-income workers,” Blinder said; 40 percent of people who work for exempt employers are in the bottom quarter of the income distribution.Based on what she’s learned, Blinder has consulted for a consortium including Anthem, Pfizer, and the nonprofits Cancer and Careers and the US Business Leadership Network to create a toolkit for employers of people with cancer. Among other things, it provides information for employers about their obligations, suggestions on how to talk about an employee’s diagnosis, and a planning template companies can use to lay out expectations in writing.Still, Kalasunas said, having designated help to navigate workplace benefits and legal rights would have helped, but it might not have kept her in her job.Today Kalasunas volunteers on the board of Living Beyond Breast Cancer, a Philadelphia-based charity focused on breast cancer survivors, but she hasn’t returned to the workforce. She considers herself lucky that her now-husband’s job extends health benefits to her and pays a salary off of which they can live. “My life is — I don’t want to say my life is too short, I don’t like to say stuff like that — but life is too short for everyone,” she said. “You’re not going to engrave my headstone, ‘Here lies the most loyal employee I’ve ever had.’” Cemetery walks and playwriting: How I found healing after breast cancer APStock Kalasunas, 37, found the routine of work comforting amid two rounds of radiation and over a year and a half of chemotherapy treatments. When she was first diagnosed, her supervisor spoke to her about what kind of flexibility she needed, and assigned her to longer-term projects so her work wouldn’t suffer if she woke up feeling too ill to work one day.“In the beginning, it was like — OK, it is really important for me to be able to control work.” she said. “It became wildly important to be able to control something. Because everything else around me, it felt like there was nothing I could do about it.”But in the years that followed she cycled through three supervisors, and her last boss took a different approach, asking her to stick to a more regular schedule. Ayanna started to feel as though her diagnosis — not her work — was the reason the company kept her on. “When someone says to you, ‘I can’t fire you,’ that lets you know that you’re only really there because they don’t have a choice but to put up with you,” she said. At the same time, her mother had recently died and Kalasunas was going through another round of radiation. “I had just been through what felt like a war zone,” she said. She decided to leave her job in 2016.Working is not just important financially; it is also central to many people’s psychological health, Blinder said. “For a lot of people across income levels, there’s just a sense of engagement in society that comes along with working. There’s a sense of psychological well-being,” she said.Laura Martin, 59, had a very different experience with her employer than Kalasunas did. Martin’s bosses at her employee benefits consulting company helped her switch her health insurance from an HMO to a no-referral plan, and a coworker who was a former nurse helped her administer injections she needed to take. She was allowed to be flexible with her schedule — critical as she went through five months of chemotherapy and a seven-week radiation regimen. “I mean, if I got tired at 1 p.m., I’d just go home,” she said.“They were very understanding. I know that might not be true for all employers.”Martin is still working at the same company and has been cancer-free for six years.Ayanna Kalasunas at a fundraising event for Living Beyond Breast Cancer in 2015. Courtesy Ayanna KalasunasMaking an accommodating workplaceAlthough the study did look at racial disparities — and researchers took pains to ensure its sample would be able to pick up any racially based differences — class-based differences were stronger predictors of a woman’s likelihood of returning to work. (That doesn’t mean they didn’t find any difference; Chinese women were significantly less likely to still have a job four months after treatment.)The paper’s diversity makes it particularly interesting, said Michael Feuerstein, the editor-in-chief of the Journal of Cancer Survivorship and a professor at the Uniformed Services University of the Health Sciences. “It’s one of the first studies that I know of that looked at work and cancer survivors after treatment and really focused on diversity,” he said. Leave this field empty if you’re human: [email protected] Kate Sheridan In early 2013, Ayanna Kalasunas felt on top of the world. She’d just gotten engaged and was working in e-commerce operations at a Philadelphia-based retailer. “I was honestly at this pinnacle moment of my life,” she said. “I was like, ‘You did it. Way to go, Ayanna.’”The next month, she got diagnosed with breast cancer: stage 4, metastatic, just like her mother was battling.As she reeled from that news, many fears crossed her mind. But one that didn’t even occur to her was that after about three years she’d be unemployed and without her employer-provided health insurance.advertisementlast_img read more

Laois teenager found safe and well following Garda appeal

first_img Facebook Electric Picnic By LaoisToday Reporter – 19th November 2020 Laois teenager found safe and well following Garda appeal Pinterest WhatsApp Pinterest Lythia Tebay Gardaí have thanked the public for their assistance after 16 year old Lythia Tebay was located safe and well this afternoon.She had been missing from the Kileen area of Laois since Wednesday November 11.Known to frequent that Waterford area, it is understood that this is where Ms Tebay was located. WhatsApp Electric Picnic Twitter Bizarre situation as Ben Brennan breaks up Fianna Fáil-Fine Gael arrangement to take Graiguecullen-Portarlington vice-chair role RELATED ARTICLESMORE FROM AUTHOR Twitter Previous articleGardai and Army Bomb Disposal Unit attend Laois house to deal with suspect deviceNext articleJOB VACANCY: Breen Manning Solicitors seeking to hire part-time secretary/receptionist LaoisToday Reporter Facebook Laois Councillor ‘amazed’ at Electric Picnic decision to apply for later date for 2021 festival Home News Laois teenager found safe and well following Garda appeal News Confirmed the news, Gardai thanked everyone for their assistance.They said: “Lythia Tebay, 16 years, has been located safe and well.“We would like to thank the public and the media for their assistance in this matter.”SEE ALSO – Gardai and Army Bomb Disposal Unit attend Laois house to deal with suspect device News Electric Picnic organisers release statement following confirmation of new festival datelast_img read more

ETFs outsell mutual funds in 2018

first_img IE Staff An inhospitable environment for bond ETFs Notably, ETFs gathered more in AUM than mutual funds for the first time since 2009. Specifically, ETFs had net new inflows of $17.8 billion vs only $7.8 billion for mutual funds as of Nov. 30, 2018.“This [trend] can be seen as a natural diffusion of assets from a much larger pool to a smaller upstart — after all, mutual funds have $1.4 trillion in assets, [almost] 10 times the market share of ETFs,” the NBF report states. “But it could also signal a shift in investor behaviour, reflecting a new mode of cost-consciousness. When almost all investment products are delivering poor returns, freshly liberated cash is likely to make its way to products that at least don’t cost a lot to manage.”There were a total of 140 new ETFs launched in 2018, many of them from new providers that entered the market. Actively managed fixed-income ETFs remained a popular growth segment among old and new providers alike as these products grew in both numbers and popularity this past year.Also readActive bond ETFs outpace passive fundThere were eight new ETF providers in 2018, bringing the total number to 33. Although market share still is concentrated among the largest players in this space, there now are nine providers with AUM of $2 billion or more, and several new firms will likely cross the $1 billion milestone next year, the NBF report states.Toronto-based BMO Asset Management Inc. (BMOAM) had the most inflows in the year, at more than $5 billion. The firm still is in second place among all ETF providers with $48.6 billion in AUM. Toronto-based BlackRock Asset Management Canada Ltd.’s iShares division, the market leader with $56.9 billion in AUM, had net inflows of almost $1.9 billion in 2018, good for third place among all firms.Rounding out the top five ETF providers, Toronto-based Vanguard Investments Canada Inc., with almost $17 billion in AUM, had the second largest amount of inflows, at $4.2 billion. Horizons ETFs Management (Canada) Inc. and RBC Global Asset Management Inc. (RBCGAM), both also based in Toronto, brought in almost $1.2 billion in AUM and $216 million in AUM, respectively, in 2018. Horizons has $9.4 billion in AUM while RBCGAM has $4.6 billion in AUM.Purpose Investments Inc. and Mackenzie Investments, both based in Toronto, had impressive growth in AUM in 2018. Although the companies are in eighth and ninth place, respectively, in AUM among all ETF providers, at about $3.1 billion and $2.9 billion, they had inflows of $1.2 billion and almost $1.8 billion, respectively, in the year.In terms of asset class, equity ETFs had net inflows of $12.3 billion while fixed-income ETFs brought in almost $6.8 billion in 2018. Multi-asset ETFs had net inflows of more than $1.2 billion while inverse/leveraged ETFs and commodities had outflows of $206 and $22 million, respectively, in the year.The NBF report noted that there were almost $2.4 billion in net new inflows in December, with fixed-income ETFs leading the way at almost $1.4 billion and equity ETFs bringing in $906 million in the month. December also was a quiet month for ETF launches as only four equity ETFs were introduced to the market. Although 2018 was a difficult year for investors and the market at large, ETFs brought in almost $20.1 billion in net new assets for the year as ETFs outsold mutual funds for the first time since 2009, according the latest Canadian ETF Flows report from Toronto-based National Bank Financial Inc. (NBF).The tally fell short of the $26 billion in net new inflows the ETF market experienced in 2017, but the Canadian ETF industry still is in expansion mode as new providers enter the fray and launch a variety of new products, the NBF report states. In turn, ETFs finished 2018 with $156.6 billion in assets under management (AUM) despite price declines brought on by the stock market correction later in the year. Businessmen trading stock looking at graphs indexes and numbers on multiple computer screens kasto/123RF BMO launches new U.S. ETF series Related news Keywords ETFCompanies National Bank Financial ETF inflows hit $7 billion in May Facebook LinkedIn Twitter Share this article and your comments with peers on social medialast_img read more

Labor lies on housing

first_imgLabor lies on housing Mark Shelton,Acting Minister for HousingAlison Standen is wrong. Again.To be 100 per cent clear, no one will be ‘kicked off’ the Housing Register.A housing applicant will only come off the Housing Register when their housing needs are met, such as in circumstances where they sign a lease with a private rental or secure a tenancy with social housing.The reform of Housing Connect is ongoing and will improve the way that the Housing Connect System supports Tasmanians in need of housing. Despite Ms Standen’s claims, there has not been, and nor will there be, changes to determining eligibility and priority for the wait list.The Housing Connect reform is about better supporting people to find the right service that meets their needs – whether that be housing services or other supports. Ms Standen has deliberately tried to equate this with pushing people off the waiting list, but this is wrong.Ms Standen has an extensive history of half-truths and scaremongering as part of Labor’s playbook for generating media headlines.While Ms Standen is getting on with the job of making fake news, we will get on with the job of providing safe and secure housing for Tasmanians that need it. /Public Release. This material comes from the originating organization and may be of a point-in-time nature, edited for clarity, style and length. View in full here. Why?Well, unlike many news organisations, we have no sponsors, no corporate or ideological interests. We don’t put up a paywall – we believe in free access to information of public interest. Media ownership in Australia is one of the most concentrated in the world (Learn more). Since the trend of consolidation is and has historically been upward, fewer and fewer individuals or organizations control increasing shares of the mass media in our country. According to independent assessment, about 98% of the media sector is held by three conglomerates. This tendency is not only totally unacceptable, but also to a degree frightening). Learn more hereWe endeavour to provide the community with real-time access to true unfiltered news firsthand from primary sources. It is a bumpy road with all sorties of difficulties. We can only achieve this goal together. Our website is open to any citizen journalists and organizations who want to contribute, publish high-quality insights or send media releases to improve public access to impartial information. You and we have the right to know, learn, read, hear what and how we deem appropriate.Your support is greatly appreciated. All donations are kept completely private and confidential.Thank you in advance!Tags:AusPol, Australia, fake news, Government, housing, Media, Minister, reform, TAS, Tasmania, Tassielast_img read more

Continuing to support customers through changing face of banking

first_imgContinuing to support customers through changing face of banking By Krissie Jones, NAB Executive RetailOur investment in our services and locations is guided by how customers are banking. More than 93% of customer interactions are now taking place over the phone, by video or online. Over the past several years, fewer customers are coming into branches and foot traffic has lessened dramatically. Over the last year alone, we have seen a further 30 per cent reduction in over the counter and basic servicing transactions in our branches.While our physical branch presence in some areas will no longer be there, we will still be there for our customers – just in different ways. As more and more customers are choosing to bank online, we’re investing in improving our digital platform to make it easier and faster. We are also training our bankers in regional Australia with new skills to serve customers in these channels.We are adding more than 280 colleagues to assist customers with phone and digital banking enquiries, and into operations roles. We are recruiting around the country, including in regional locations, as we have shown through COVID-19, our bankers can work remotely from anywhere. An additional 134 new small business bankers are being recruited and will also be based in regional locations across the country.When we do close a branch, our goal is for no job losses. We work with our colleagues to find opportunities to continue to support customers either through other branch roles or across phone and digital channels.The branch team also work closely with local customers, the community, business and government stakeholders about the change and the options that are available for banking. They offer education on our digital channels, including video banking, BYO device sessions, and online security. Customers can also bank at the local Australia Post Office, connect with our mobile bankers, home lending specialists or business bankers in person or for phone or video appointments.+++Background Information:In regional and rural locations our branch closure notice period is 12 weeks. During this time the branch team work closely with impacted customers, talking about the various banking alternatives available.NAB customers can also bank at 3,500 Australia Post outlets around the country, where they can check account balances, pay bills and make deposits up to $10,000 cash, or withdrawals up to $2,000 per day.We recently announced an additional 134 new small business bankers nationally, adding to our more than 2000 bankers around the country who provide crucial support for NAB’s 500,000 small business customers looking for expert advice. These specialised bankers are out ‘on the road’ and are based in regional towns, including Warragul (VIC), Albany (WA), Lismore (NSW), Rockhampton (QLD) and Toowoomba (QLD).The appointment of new small business bankers will increase to 200 by the end of this year.This is in addition to 130 operational support team colleagues who are currently being recruited to work from anywhere across regional and rural Australia, supporting personal banking operations, and 150 new remote bankers in South Australia assisting customers with phone and digital banking enquiries. /Public Release. This material comes from the originating organization and may be of a point-in-time nature, edited for clarity, style and length. View in full here. Why?Well, unlike many news organisations, we have no sponsors, no corporate or ideological interests. We don’t put up a paywall – we believe in free access to information of public interest. Media ownership in Australia is one of the most concentrated in the world (Learn more). Since the trend of consolidation is and has historically been upward, fewer and fewer individuals or organizations control increasing shares of the mass media in our country. According to independent assessment, about 98% of the media sector is held by three conglomerates. This tendency is not only totally unacceptable, but also to a degree frightening). Learn more hereWe endeavour to provide the community with real-time access to true unfiltered news firsthand from primary sources. It is a bumpy road with all sorties of difficulties. We can only achieve this goal together. Our website is open to any citizen journalists and organizations who want to contribute, publish high-quality insights or send media releases to improve public access to impartial information. You and we have the right to know, learn, read, hear what and how we deem appropriate.Your support is greatly appreciated. All donations are kept completely private and confidential.Thank you in advance!Tags:Albany, Australia, Australia Post, bank, banking, community, education, Government, Investment, Lismore, NAB, National Australia Bank, Retail, Rockhampton, rural australia, Small Business, South Australia, Toowoomba, Warragullast_img read more

UK and Jordan Trade Agreement comes into effect

first_imgUK and Jordan Trade Agreement comes into effect The new Association Agreement reaffirms the deep interest of both Jordan and the UK to strengthen our longstanding trade and economic relationship.The total trade on goods and services between the UK and Jordan was worth £561 million in 2020, which we will seek to expand.We have had positive trade agreements and partnerships across a variety of sectors including education, aviation, retail, biometrics and technology.Major items exported to Jordan include: general industrial machinery, mechanical power generators, vehicles, medicinal and pharmaceutical products. UK imports from Jordan include mechanical power generators, vegetables, metal ores, clothing and general industrial machinery.As stated during the London Initiative in 2019, the UK priority is to promote investments, growth and jobs for Jordan. We are working with the Jordanian government to overcome some of the structural issues that prevent greater FDI into Jordan. We are supporting and promoting Jordan’s Public-Private Partnership Unit’s work and the National Infrastructure Projects that were prioritised by the Government of Jordan.Welcoming the agreement, the UK’s Minister for Middle East and North Africa, James Cleverly said:As we celebrate 100 years of friendship, it continues to grow and flourish. Today’s new UK-Jordan trade agreement is an important step forward for our countries, which will provide a boost to British and Jordanian businesses.Building stronger trade links and attracting more investment will grow our economies and help both our countries build back better from the impact of the coronavirus pandemic.BackgroundThe Jordan-UK Association Agreement was signed on 5 November 2019. A Jordanian Royal Decree was issued on 25 February 2021 and the Jordanian government confirmed on 1 March that all their procedures been completed.The UK Statutory Instrument was laid before Parliament on 24 March and the UK Government informed Jordan on 25 March that all UK procedures have now been completed. In line with the terms of the Agreement, this will enter into force on May 1, 2021. /Public Release. This material comes from the originating organization and may be of a point-in-time nature, edited for clarity, style and length. View in full here. Why?Well, unlike many news organisations, we have no sponsors, no corporate or ideological interests. We don’t put up a paywall – we believe in free access to information of public interest. Media ownership in Australia is one of the most concentrated in the world (Learn more). Since the trend of consolidation is and has historically been upward, fewer and fewer individuals or organizations control increasing shares of the mass media in our country. According to independent assessment, about 98% of the media sector is held by three conglomerates. This tendency is not only totally unacceptable, but also to a degree frightening). Learn more hereWe endeavour to provide the community with real-time access to true unfiltered news firsthand from primary sources. It is a bumpy road with all sorties of difficulties. We can only achieve this goal together. Our website is open to any citizen journalists and organizations who want to contribute, publish high-quality insights or send media releases to improve public access to impartial information. You and we have the right to know, learn, read, hear what and how we deem appropriate.Your support is greatly appreciated. All donations are kept completely private and confidential.Thank you in advance!Tags:Africa, agreement, British, coronavirus, Government, infrastructure, Investment, Jordan, London, Middle East, parliament, technology, UK, UK Government, vegetableslast_img read more

How Can a Small Brand Compete?

first_imgFacebook Linkedin Email Share Home Wine Business Editorial Three Tier Talk How Can a Small Brand Compete?Wine Business EditorialThree Tier TalkHow Can a Small Brand Compete?By Brian Rosen – May 13, 2015 35 0 Pinterest AdvertisementI spent the last week listening to CMO’s and brand managers from the suppliers side speak of brand extension, growth, millennial marketing, and off premise activation. I spent the last week shaking my head – the same way I shake my head when I miss a lay-up in basketball.Let’s talk about Chipotle Mexican Grill. Revenue of $4.6B and was profitable from the first week of being open in Denver. Chipotle grew to 16 stores and McDonald’s invested, then they grew to 500 and McDonald’s divested, now they are 3000 units strong.My point is that whether you are a new vodka, gin, beer, or wine, there is room in the market. But, you need to have a point of differentiation, and you have to add value. Chipotle did not try to create a better burger, as that category is totally saturated, they created a new way to eat.We do not need another cabernet or vodka. What the market needs is a different cabernet and an improved vodka.I meet start up brand owners all the time, and I currently have two in my client portfolio that want to slay goliath.It can be done, if you can follow some simple steps:What is your brand proposition and is that proposition scalable.How are you different? Being the next Paul Hobbs is not as good as being an improved Paul Hobbs. The consumer base wants different not a better, same.Is there an audience out there for your brand? Having the best anything that no one wants is the same as having nothing.Our business expands by change, and suppliers are buying start up brands instead of investing in brand extensions. Your audience needs to be there, and sales and investment will follow.Chipotle did not reinvent fast food, they improved it, and then the audience came in droves.Expert Editorialby Brian Rosen, Rosen Retail MethodRosen Retail for Alcohol Beverage offers support to retailers and suppliers alike, having created Supplier Boot Camp and Retailer Boot Camp and other award-winning programs that increase gross margin for retailers and cases sold for suppliers. Brian Rosen can be reached at [email protected] or twitter @rosenretail.center_img ReddIt Twitter TAGS3-Tier DistributionBrian RosenExpert EditorialfeaturedRosen Retail MethodThree TierThree Tier TalkThree-Tier System Previous article11th Annual Wine Industry Technology Symposium To Feature Thought Leaders at Strategic Wine Industry SummitNext articleAfternoon Brief, May 13 Brian Rosen Advertisement last_img read more

Young People Urged to Make Use of Every Available Opportunity

first_img By Chris Patterson, JIS Reporter Young People Urged to Make Use of Every Available Opportunity Health & WellnessAugust 26, 2011 FacebookTwitterWhatsAppEmail KINGSTON — Minister of Labour and Social Security, Hon. Pearnel Charles, is encouraging young people to make use of every opportunity they have been given, while allowing themselves to be influenced only by positive role models. “It is all in your hands. I have never believed that anyone holds my future, except me,” he said. The Minister was speaking at a Steps-to-Work summer camp closing ceremony, held at the Kendal Camp and Convention Centre, in Manchester, on August 24. Mr. Charles said the camp offered an alternative to the youngsters, so that they can head back on the right path and improve their lives and the lives of those around them. “If you don’t have an education and you don’t have a skill, you don’t have the possibility of getting a job,” he told the students. He reminded them that there will always be difficulties, however, they should map out a course of action and follow it to the end, in order to ensure success. “You have walked away from the drop-out stage, and you are back into the fold searching for an education,” the Minister said. He informed that some $33 million has been allocated to the programme, in an effort to recapture the young people, and bring them back into the education stream. Approximately 928 high school drop-outs, aged 15 to 18 years, who participated in the programme were given an opportunity to develop literacy and job skills to re-enter the school system, or seek employment. The Steps-to-work programme is designed to provide troubled young people in the PATH household, who have either dropped out of school or at high risk of dropping out, with a second chance to identify and develop lifelong goals. Mr. Charles commended the participants, noting that their involvement in the programme will ensure that they move from the drop out stage to become re-engaged, either in school or employment. The National Youth Service (NYS) managed the series of four-week camps, which began in July. They were undertaken in collaboration with the Ministries of Education; Labour and Social Security; and Youth, Sports and Culture; the HEART Trust/NTA, Jamaican Foundation for Lifelong Learning (JFLL) and private sector entities. The students were taught numeracy and literacy skills, and took part in a personal development curriculum, formulated by the NYS, which will guide them to building appropriate and positive values and attitudes. Among the main objectives of the camp were: improving the students’ level of literacy and numeracy, through a curriculum developed by the JFLL; creating behaviour changes, through the personal development curriculum by the NYS and Programme for Alternate Student Support (PASS); and introducing at least one skill area per child, through a curriculum developed by HEART Trust/NTA. RelatedYoung People Urged to Make Use of Every Available Opportunity RelatedYoung People Urged to Make Use of Every Available Opportunity RelatedYoung People Urged to Make Use of Every Available Opportunity Advertisementslast_img read more