Renovation of the Smith Campus Center is in full swing. To help reduce disruption to building tenants and visitors, some of the construction work will need to be undertaken in the evenings and on weekends.As a result of this construction, which will include periods when power and other services to the building must be turned off, Harvard University Health Services (HUHS) will be required to temporarily relocate urgent care services (which are available 24 hours a day, every day) to an alternate location after regular business hours.As of June 13, 2016, the locations and hours for patients seeking medical and mental health urgent care are as follows:Monday-Friday, 7:30am-5:30pm, Smith Campus Center, 75 Mt. Auburn StreetMonday-Friday, 5:30pm-7:30am, Pound Hall, 1563 Massachusetts AvenueSaturdays, Sundays, and holidays, all day (24 hours), Pound Hall, 1563 Massachusetts AvenueAdditional information can be found on the HUHS website at huhs.harvard.edu/urgentcare. It is currently expected that these services will again be consolidated at the Smith Campus Center once construction is complete.Please email [email protected] with any questions. Thank you for your patience and understanding as we work to make this transition as easy as possible for all members of our community.
Millennials are living in a vastly different world than their Baby Boomer parents. They live in a time in which a phone isn’t just a piece of plastic used for making calls, it’s now “smart” and acts as an extension of oneself. A time in which “going shopping” or “depositing a check” no longer requires you to leave home. We are living in a world dominated by the rise of online/mobile and the demise of brick-and-mortar. This changing consumer landscape is being primarily driven by Millennials as they demand more personalized experiences.Defining Millennials – Millennials (also known as the Millennial Generation or Generation Y) are the demographic cohort following Generation X. There are no precise dates when the generation starts and ends. Researchers and commentators use birth years ranging from the early 1980s to the early 2000s.Millennials Love for Big Data/AnalyticsMillennials were raised in a time of unprecedented mobility and unparalleled access to information. They expect retailers to know what they want before they even know what they want. This expectation has been spurred by companies like Amazon. Amazon does a terrific job of customizing the entire consumer experience from the initial stages of attracting customers to post-purchase marketing, and it does this through Big Data/Analytics.Big Data/Analytics enables retailers such as Amazon to build deep relationships with their customers by getting to “know” them. You will never have physical interactions with Amazon but the data they collect on you allows them to understand a considerable amount about you. Every time you interact with Amazon (by clicking on the page), they get to know you better which gives this retailing innovator the power to make your shopping experience more convenient and enjoyable.Millennials have a different perspective on information than previous generations. They are willing to share information about themselves in order to make their lives easier. They are receptive to suggestions of products and services based on their daily habits. Companies like Amazon and Spotify understand this very well. They have figured out how to create a win/win relationship with millennials where data is collected and provided back in the form of recommended products and services that are highly personalized and valued.Millennials and Financial ServicesThe information expectation may have started with companies like Amazon but it hasn’t stopped there. Millennials are demanding more customized experiences in all areas of their lives. Retail banking is no exception. Retail banking organization operate in a very similar manner to retail shopping which begs the question, “Why don’t credit unions and banks try to mimic the successful processes of companies like Amazon?” How does one credit union or bank separate itself from another unless it tailors the customer experience using Big Data/Analytics?Retail banking institutions have a tremendous opportunity to capture market share by attracting the biggest generation since the baby boomers. Through the utilization of Big Data/Analytics, retail banking institution can:Predict the Next Best Product – There are common patterns customers reveal when buying products. For example, if you were to buy an iPod on Amazon, you will likely be purchasing an iPod case and a set of new headphones. With Big Data/Analytics, similar patterns can be uncovered at retail banking institutions. For example, someone who already has a checking account and a home mortgage may have a need for an auto loan or line of credit. Uncovering common patterns enables more accurate marketing alerts that Millennials actually want to read.Competitively priced loans – Utilizing Big Data/Analytics allows lenders to more accurately price loans and achieve a higher net interest margin. Many of the older, meet-the-market models currently used are overpricing loans based off of their risk categories. In this economy, many of the traditional lower credit score categories may be less risky than they have been in the past but this is failing to be factored into the pricing models of non-data-driven lenders. New data-driven models are exposing many missed opportunities in the high yielding, “too risky” credit categories. Many “noncredit worthy” Millennials fall into this category.Execute Affinity/Basket Analysis – Affinity/Market Basket Analysis tells a retailer that customers often purchase certain products together (e.g. – shampoo and conditioner). Putting both items on promotion at the same time might not create a significant increase in revenue. However, a promotion involving just one of the items would likely drive sales of the other. This same concept can be easily applied at retail banking institutions with checking accounts, certificates, loans, investments, etc.Target Marketing – With all the member’s data (e.g. – share accounts, checking accounts, car loans, mortgages, certificates, etc.), retail banking institutions are able to personalize their marketing process. The marketing team can identify all products and services a member currently has/lacks and post offerings for one of the products. Either to get a new product or transfer over a product from another financial institution such as a loan with a lower interest rate. This data serves two important purposes, customer satisfaction and revenue creation.The Importance of Millennials on the Future of RetailBig Data/Analytics serves many purposes but attracting Millennials may be one of the most important in the near future. Millennials are the biggest generation since the Baby Boomers. They are the generation currently entering the work force, getting married, starting families, and becoming the largest consumers. Failure to address this segment of the market will challenge the future viability of most banks and credit unions. The retail financial services industry is at a cross roads and needs to think about how to re-invent itself. Fortunately, this industry sits on vast troves of data about how their customers use their services. The next step is to employ Big Data/Analytics to turn that data into information that can easily be consumed by the Millennial generation. 38SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Austin Wentzlaff Austin J. Wentzlaff joined OnApproach in 2013 as a Business Development Analyst and is now currently Director of Business Development. He is responsible for developing marketing strategies, driving prospects to … Web: www.onapproach.net Details
AddThis Sharing ButtonsShare to FacebookFacebookShare to TwitterTwitterShare to MoreAddThisAlpena, Mich. — Many different types of artists call the Sunrise Side home. One of those is Rock ‘n’ Roll Musician David Rude.He’s been a musician his whole life, and he’s not letting any roadblocks get in his way. Rude has enjoyed playing guitar and rock ‘n’ roll since he was kid.“I’ve always been into music for as long as I can remember,” said Rude. “At the age of four or five, I would pick up a tennis racket, and the tennis racket was my guitar, and I would strum to it.”The Alpena native has been busy preparing a new horror-punk rock album with the help of local musicians. This will be his third album as a solo artist. He draws influence from old horror films to create his music. It’s a niche musical scene in the punk category of rock. He’s already released three singles entitled “Lucky Stars,” “Black Lagoon,” and “Bride of the Reanimator.”Rude’s music has been heard all over the world. His sounds have traveled online and to different radio stations, including stations in New York. His wife, Colleen, helps master all of his tracks and is one of his biggest supporters.“Learning it and being able to put it forth and show something that I’ve done is really, really inspiring for me and probably my children,” said Colleen Rude.Many people do not know that David has been living with two autoimmune conditions for 20 years. Rude has been on disability which has given him time to pursue his passion in music. The United States Army Veteran has had to undergo surgeries and infusions due to his health problems, but that hasn’t dampened his spirits.“I’d like to look at life in a more positive way,” said David Rude. “I’d say “yeah, I’m sick, but whatever, that doesn’t define me,” I can rise above that and just make the best of what I’ve got with the cards that I’ve been dealt.”David has just enough fuel to continue to perfect his craft and do what he loves.“I just start writing songs, get up in the morning, pour coffee, start working on a song, and that’s it,” said Rude. “I don’t take my gifts to my grave, and every year, I’ve got to write these songs and put out these CDs, and it’s a beautiful thing.”Rude also plays in a few local bands around town. You can catch him and the North Country Burnouts at the Black Sheep on Saturday night. Catch his new album towards the end of February. For more updates on the musician, visit his Facebook page David Rude.AddThis Sharing ButtonsShare to FacebookFacebookShare to TwitterTwitterShare to MoreAddThis Tags: Black Lagoon, Bride of the Reanimator, David Rude, Dream, Horror Punk Rock, Local musician, Lucky Stars, Music, Musician, New Album, Punk, Rock ‘n’ RollContinue ReadingPrevious Photo of the Day for Thursday, January 31Next Alpena Township property owners meet to express dissatisfaction with new blight ordinance
30 Jul 2015 Cloe wins U16 title by 12 shots Kent’s Cloe Frankish won the English U16 girls’ championship at Royal Cromer on two-under par – and by the massive margin of 12 shots.It completes a title double for the 16-year-old from Chart Hills who, last week, won the Scottish ladies’ U21 championship.“This means a lot,” said Frankish (image © Leaderboard Photography) who led from start to finish. “I didn’t really think about having a lead, I just played it shot at a time.”At the halfway stage she was one-under par and five shots ahead. After this morning’s third round, when she scored two-under 72, she was 10 clear. She closed with a one-over 75 and a 12-shot win.Her closest rival was Ashley Croft (Stock Brook Manor) on 10-over, while third place was shared by Norfolk’s Ellie Brown (Barnham Broom); last year’s U15 champion Emily Price (Cleobury Mortimer) and Yorkshire’s Olivia Hamilton (Cleckheaton & District).“I feel really happy,” said Frankish, who had three birdies and one bogey this morning. This afternoon her highlights included an eagle three on the fourth.Her next target is next week’s English women’s stroke play championship at St Annes Old Links, Lancashire.Click here for full scores