Want to keep loyal hispanic members? It’s all about the app

first_img 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Walk down any street in your community, and it isn’t hard to find evidence that Americans are using their smartphones to manage more aspects of their lives. Their financial lives are certainly no exception, and community banking leaders are taking notice.According to a 2016 survey of financial institution leaders, their number one priority for 2017 was enhancing the digital and mobile experience. That’s what consumers are looking for as well. An earlier study from Bain & Companyshowed consumers are one-third more likely to enjoy a mobile transaction than a branch visit. What’s more, those surveyed anticipated a branch visit was 2.3 times more likely to end with annoyance.Mobile banking is clearly the way consumers are headed when it comes to meeting their financial needs. Yet the adoption of mobile financial services isn’t the same across all the demographic groups that make up your member base. Notably, Hispanic consumers are significantly more likely than other groups to use mobile banking technology. continue reading »last_img read more

A’s blow 4-0 lead in eighth, lose on back-to-back homers in the ninth

first_imgClick here if you’re unable to view the photo gallery on your mobile device.NEW YORK — A’s closer Liam Hendriks blew his first save since July 30 and did it in a big way, allowing back-to-back home runs in the ninth inning at Yankee Stadium. The 5-4 loss marked the second time in 24 hours that the A’s walked off the field in defeat.The A’s (76-58) had taken a 4-0 lead into the eighth, but New York scored three runs against the once-vaunted Oakland bullpen. Hendriks came on in relief of Lou …last_img

Beck’s introduces planter that changes row-width, hybrids on the go

first_imgShare Facebook Twitter Google + LinkedIn Pinterest A new planter for use in Beck’s Practical Field Research is turning heads. The multi-row width multi-hybrid planter is a joint effort by Beck’s to answer more questions being asked in the field of prescriptive farming. With the ability to change between 10-, 20-, and 30-inch rows on the go, researches hope to see what difference such customization can have on crops and whether or not the planter technology has a wider place in the future of farming.The planter looks to be heavily used in corn, wheat, and double-crop soybean research in the 2018 season, as explained by Jason Gahimer and Rich Schlipf in this video with Ohio Ag Net’s Joel Penhorwood.last_img

Soumyadeep keeps table tennis medal hopes alive

first_imgSoumyadeep Roy quelled some stiff challenge before overcoming Singapore’s Xiaoli Cai 4-1 to storm into the semifinals of the Commonwealth Games’ table tennis men’s singles competition here today. The Bengal paddler started on a positive note in the quarterfinal and clinched the first set 11-7, but Cai clawed his way back into the match by winning the second set 11-5.However, Roy did not lose his heart and bagged the next three sets 12-10, 11-5, 13-11 in the best-of-seven contest and secured the final-four berth.In the semifinal, Roy will take on world number 17, Gao Ning, who beat another Indian A Amalraj 4-1 in other match.Amalraj proved no match to Gao, who is considered to be the best Singapore paddler, and except in the second set he could not build up much resistance.After losing the first set 1-11, he bagged the second 11-4, but went down 5-11, 5-11, 7-11 in the next three sets to crash out of the competition.Meanwhile, India’s experienced women pair of Poulomi Ghatak and Mouma Das came out with some determined performance to overcome Australian duo of M Miao and J F Lay 3-2 and entered the doubles semifinal.But it was curtains for another Indian pair — Kumaresan Shamini and Madhurika Patkar, who lost 1-3 to T Feng and Y Wang of Singapore.In men’s doubles, Olympian Achanta Sharath Kamal and former national champion Subhajit Saha also got the ticket to last-four stage after beating Nigeria’s Aruna Akinade and A seun 3-1.advertisementAnother Indian pair of Amalraj and Roy, however, could not cross the quarterfinal hurdle and went down 0-3 to Singaporean duo of Gao and Zi Yang at the Yamuna Sports Complex.India’s challenge in women’s singles and mixed doubles categories have already ended.(With inputs from PTI)last_img read more

Toe injury costs Sachin Tendulkar a Test series in 12 years

first_imgNAILED: Sachin Tendulkar’s rare injury can also affect ballet dancers and high jumpersIf there’s a body part more obsessed over than the prime minister’s knee, it must be Sachin Tendulkar’s toe.Already foreheads are furrowed as India’s most popular athlete has gone missing from action, a fractured toe taking him out,NAILED: Sachin Tendulkar’s rare injury can also affect ballet dancers and high jumpersIf there’s a body part more obsessed over than the prime minister’s knee, it must be Sachin Tendulkar’s toe.Already foreheads are furrowed as India’s most popular athlete has gone missing from action, a fractured toe taking him out of the three-Test series against Sri Lanka. Injuries to athletes are part of their job profile but every time Tendulkar winces, it would seem all of India feels the pain.As the team began its first Test tour in 12 years without the 28-year-old Mumbai batsman, he appeared on television asking for all Indians to “pray” for him, little knowing that cricket-crazy citizens are already halfway through their Hail Marys.It has been a worrying few weeks for Tendulkar and his doctor Anant Joshi, with the clamour for information growing: what exactly is the injury, how long will it take to heal, will he be the same player again? “Sachin is just another human being. Your fracture and mine take six weeks to heal. So will his,” Joshi wearily says.But Tendulkar’s injury is not any routine fracture, not only because it has affected the cricketer. The problem began on July 4, during the last league match of the triseries in Zimbabwe. When Tendulkar struck the ball and set off for a run, he heard a “click” in his right toe and felt a pain. It was forgotten quickly and he scored an unbeaten 122, leading India to a six-wicket victory.Later that day Tendulkar had the foot X-rayed, but the results showed nothing. He was then cleared to play the final, which India lost. On his return to Mumbai, when the pain persisted, Tendulkar went to sports medicine specialist Joshi. On July 17, Joshi took the player for an isotope bone scan of his foot at Hinduja Hospital. The scan detects fractured bones by showing them as “hot spots”.Tendulkar’s bone scan lit up an area the size of a 25 paise coin on his toe – and a CT scan of the foot revealed a horizontal crack in the medial sesamoid bone, a tiny structure around the size of the nail of the little finger. The bone, embedded inside the muscle tendons at the base of the great toe, acts like a lever arm for the tendons to flex the toe.The fracture took place when Tendulkar heard the “click” – the sound, most likely, was the tiny bone snapping. Tendulkar himself suspects there could have been more pressure on the area due to the spike-studded sole of his custom-made Adidas shoes.advertisementOne of the seven spikes in the shoe is located directly below the sesamoid bone of the great toe. The pressure from the take-off for the run, which experts reckon puts between three to five times the body weight on one foot, could have been centered on the tiny bone and fractured it.The sesamoid bones, strictly speaking, are not even bones. Made up of thick cartilaginous tissue, sesamoid bones are mostly found in the lower limbs and are not included among the 206 bones of the human body. Injuries to these bones are rare and given only a passing mention in medical tomes – even the best podiatrists and orthopaedic surgeons come across only four or five cases.Injuries usually occur after an activity where tremendous pressure is placed on the feet and toes –  ballet dancers and athletes like high jumpers and basketballers are more prone. What has puzzled many people is the time taken between the first sign of trouble and the first scan – nearly two weeks. Says Dr P.S.M. Chandran, director of sports medicine, Sports Authority of India: “A negative X-ray is not an indication that all is well. You shouldn’t leave anything to chance with a top-class sportsman.”Click here to EnlargeTendulkar’s doctors, suspecting sesamoiditis (the inflammation of the sesamoid), decided to give the injury three more weeks to heal before delivering a verdict. The hope was that the foot would have healed enough to give Tendulkar the chance to play the Test series. “I don’t mind missing the one-dayers, but please ensure I can make it for the Test series,” he told Dr B.A. Krishna, chief of nuclear medicine at Hinduja Hospital.The second round of scans, however, showed an inflammation around the affected area with little sign of healing. Moreover, Tendulkar winced in pain when Joshi probed the area near the toe. The verdict was out.”Sachin could have played the Test series only at the risk of further injury. And even then he wouldn’t have been able to give a hundred per cent,” says Joshi. For India’s most prolific run-getter in both forms of the game, the injury now means completely resting the toe for between six to eight weeks, to allow the bone to heal completely. “He won’t be playing cricket at least until the end of September,” says Joshi. Surgery, the final option, isn’t being thought of just yet.Tendulkar now has to wear cushioned sandals and can walk and drive his Mercedes without pain. Experts in the US are being consulted for designing rigid-soled orthotic footwear. All his footwear – from sneakers to ordinary slippers – will be retrofitted with these devices, most of them fitted internally to lift the injured area off the floor.advertisementHe will have to wear this special footwear for at least six months after he resumes playing. Joshi has also devised an an “active rest” exercise regimen, for every part of his body, excluding the lower limbs. “Sportsmen like him cannot afford to rest completely for so long,” Joshi says. The good news, he says, is that once the fracture heals, chances of a recurrence are slim.In recent weeks, Tendulkar was surrounded by plenty of conspiracy theories about a difficult relationship with current captain Sourav Ganguly and his wish to regain the captaincy. They have all been driven underground and rendered unimportant for the time being as the only current cricketer in Sir Donald Bradman’s all-time World XI begins his fight for fitness and the chance to return to the field to do what he did best: go out and bat for India.last_img read more

Ecologists protest against govt’s plan to turn Pichavaram mangrove forests into a resort

first_imgThe Pichavaram tourist complex: battlegroundEcologists in Tamil Nadu have declared war on the state Government. The battleground is Pichavaram, 200 km out of Madras, one of the best preserved mangrove forests in the country. The state Government is keen on developing this magnificent 5,000-acre forest into a tourist resort with,The Pichavaram tourist complex: battlegroundEcologists in Tamil Nadu have declared war on the state Government. The battleground is Pichavaram, 200 km out of Madras, one of the best preserved mangrove forests in the country. The state Government is keen on developing this magnificent 5,000-acre forest into a tourist resort with boating, surfing and water-skiing facilities along with cottages located in the area.To fight this, the Tamil Nadu Science Forum and the Madras Naturalists Society recently convened a meeting of prominent biologists, zoologists, naturalists and marine biologists who have cried halt to the project and want the setting up of an expert committee on how to best utilise this “natural laboratory”.Mangrove forests are found only in the tropics where they grow by the seaside and along river banks where the water is brackish. The vegetation is distinctive as it is able to take root in the loose and highly saline soil. India has an estimated 20 lakh acres of mangrove forests, the largest ones being in West Bengal and the Andamans.The reason why Pichavaram has so many crusaders is that it is one of the few left where the complete sequence of mangrove zonation is in evidence from dense foliage with stilted roots on the banks to sparse vegetation at the edge.Increased Erosion: Another factor that has contributed to the lushness of Pichavaram is the three rivers that flow through its 10 km long and 3 km wide area. The rivers form a maze of shallow channels which are so numerous and tricky that the local populace jokingly remarks that even the egrets which are familiar with the waterways get lost in Pichavaram. However, studies done by the French Institute indicate that the development work has already increased coastal erosion.Said Professor V. M. Meher Homji, a botanist at the Institute: Pichavaram must be preserved not only because it is a natural laboratory but also because it has been an important factor in stabilising the shifting coastline. The felling of trees has also led to salt encrustment on the soil thus preventing any new vegetation in the denuded sections.advertisementThe location of the cottages within the wooded area will lead to other problems: ecologists feel that with a growing tourist trade the populace would soon start plundering the forests for fuel and fodder.The repercussions are likely to extend beyond the ecological field. Reports from the Centre for Advanced Studies in Marine Biology of the Annamalai University at Perangipettai reveal that Pichavaram is a rich breeding ground and nursery for such lucrative seafood as prawns, lobsters and crabs.With building activities as well as the introduction of water sports once the resort is completed, the shallow channels which criss-cross the forest will no longer be able to harbour the varied marine life. Warns Meher Homji: Any further disturbances to the delicate balance of the eco-system will lead to the rapid deterioration of the mangrove forests.Limited Success: The ecologists have now asked the Government to stop all further construction in Pichavaram. They suggest that the cottages and the resort area be located in Chidambaram, a tourist centre just 11 km away, and groups be brought to the mangrove forests for day trips.After repeated letters to the Tamil Nadu Government, the Department of Environment and the prime minister, Meher Homji was asked last fortnight to meet the Committee on Tourist Excursions, chaired by V. Chandralekha, collector of Cuddalore district under which Pichavaram falls.The meeting was partly successful with the members agreeing to recommend to the Government a proposal to drop water sports and prohibit motor boats in the channels. Only row boats would be allowed. No decision, however, was taken on the shifting of the cottages. Chandralekha told India Today in Cuddalore: We have no intention of clashing with the ecologists.We are equally keen on preserving Pichavaram and will try our best to implement their suggestions. But with construction of the cottages proceeding briskly, the mangrove forests of Pichavaram may soon become a thing of the past.last_img read more

Crown asks for more jail for Winnipeg man who left mother to

first_imgWINNIPEG — The Manitoba Court of Appeal has reserved its decision on the sentence of a Winnipeg man who left his 89-year-old mother on the floor of their home for several weeks until she died.Ronald Siwicki was sentenced last year to three months jail for criminal negligence causing the death of his mother.One month was deducted as credit for time he spent in custody before the trial.The Crown appealed, arguing the trial judge miscalculated Siwicki’s moral culpability and a three-month sentence doesn’t deter other people from committing a similar crime.The defence told the Appeal Court that the sentence was fit and more jail time would cause harm to the 67-year-old Siwicki.Elizabeth Siwicki, who was suffering from dementia, fell out of her bed in 2014 and was unable to get up.An autopsy found she had bed sores so severe they went down to her bones and caused her death.“This offence was prolonged, it was painful and it was preventable,” Crown prosecutor Rekha Malaviya told court Tuesday.She said Court of Queen’s Bench Justice Colleen Suche erred in her assessment of aggravating and mitigating factors, focusing on Ronald Siwicki’s life rather than the crime.Malaviya warned the sentence could set a dangerous precedent, as more people take care of their aging parents.“The sentencing judge appears to have found this respondent so sympathetic, with the improvements he made in himself and his life, that it took precedence over the offence itself,” she said.The trial heard how Siwicki and his mother had a close, almost unhealthy relationship. She told him how he should spend his time and with whom.Defence lawyer Mike Cook said that in many ways, Siwicki was a “prisoner in his own house.”Siwicki promised his mother that she could die at home, but he was unable to deal with her mounting health problems, court heard. After she fell out of bed, Siwicki provided her with nutritional drinks and water but never called for help.Siwicki has already served his sentence, Cook told the court, and he is doing well in the community.He understands that he should not have been caring for his mother alone and should have acted differently, Cook said.“Every day he has to look in the mirror and see the man who caused his mom’s death.”Kelly Geraldine Malone, The Canadian Presslast_img read more