How to Select the Right Ruffwear Dog Jacket for your Wintertime Adventures

first_imgWhen you’re gearing up to head out for a winter adventure, one of the most important decisions you make is what to wear. To make this decision, you typically weigh factors like temperature, wind, precipitation and the forecast. Ruffwear offers five different winter dog coats, taking all of the same weather factors into account, to make sure that your dog can enjoy inclement weather outings as comfortably as you.FEATUREDIMAGERuffwear-Apparel-ProductComparisonHere’s a summary of our dog jackets and a handy comparison chart to make your decision easier, based on your adventure plans.Climate Changer™ClimateChanger_BurntOrangeAs you layer for a cooler weather, one consistent go-to is a soft, warm fleece layer. Ruffwear has designed the Climate Changer as a lightweight, breathable warm fleece jacket with excellent belly coverage that dries quickly. This coat was designed with two goals in mind – keeping dogs warm while reducing the impact on our environment. The polyester fleece is made of 75% recycled materials and is recyclable when you are ready to retire it after years of use and abuse. Included is a full-length zipper providing a secure fit and integrated reflective trim.Cloud Chaser™CloudChaser_ObsidianBlackWhen you have a hunch that the weather could turn for the worse, reach for our most technical soft shell layer – the Cloud Chaser. This coat’s durable upper panel is waterproof and windproof protecting dogs from rain, snow and frigid winds. The coated, stretch lower panel provides excellent coverage that sheds water, snow and dirt. Lining the coat is a warm fleece layer that retains the dog’s core body heat. A full-length side zipper allows for easy on/off as well as providing a snug fit.K-9 Overcoat™K9Overcoat_LarkspurPurpleRuffwear’s classic tough, cold-weather utility jacket is the K-9 Overcoat. If you were to just have one dog coat for a variety of conditions, this would be your best option. The abrasion- and weather-resistant outer shell is made of recycled polyester while the recycled inner fleece lining provides warm, soft insulation retaining body heat. Instead of a zipper, this coat has two side-release buckles that are sheltered to increase durability and prevent snagging. Quinzee™Quinzee_MeadowGreenWe designed the Quinzee to be your dog’s lightweight, packable puffy coat – excellent for outings in extremely cold, crisp conditions. An integrated stuff sack means you can easily make this coat small enough to fit in a corner of your pack. The Quinzee is filled with insulation that traps the dog’s body heat keeping them warm in extreme cold temperatures. The outer shell fabric is weather, snag and abrasion resistant. Two side release buckles and a zippered collar offer easy on and off for dogs with larger heads. Powder Hound™PowderHound_BajaBlueOur warmest jacket in our apparel offering, the Powder Hound is a hybrid design that combines technical materials for weather-resistant warmth. The polyester fabric and 200-gram synthetic insulation upper provides excellent warmth, while the breathable-technical stretch knit lower offers a comfortable, warm fit. The sleeved style provides full coverage for maximum warmth and full range of motion. The full-length zipper offers easy on/off.last_img read more

Building member loyalty in a digital world

first_img 6SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,David Smith David M. Smith is the Director of Statement Services for OSG Statement Services, specializing in statement print, mail and electronic presentment. He brings thirty plus years of experience in the … Web: www.osgbilling.com Details As Baby Boomers retire and Millennials grow up and increase their purchasing power, it’s important for credit unions to know who this audience is and what their expectations are. According to a report recently released by Experian Marketing Services, a global provider of integrated consumer insights and targeting, data quality and cross-channel marketing, “Millennials are sometimes referred to as the Selfie Generation because of their penchant to take pictures of themselves with their mobile phones, but a better name would be the Smartphone Generation because this generation is leading the way on smartphone adoption and incorporation into their daily lives.”1The report describes Millennials as the most digitally-connected generation yet. The report relates that 77 percent of adult Millennials own a smartphone and spend an average of 14.5 hours a week—that’s around 2 hours a day—using their phones to talk, text, browse the internet, email, network socially, and the list goes on.Just Who Are the Millennials?Millennials are in their mid-teens to mid-thirties and are the most connected and tech savvy generation ever. Also known as Digital Natives, they have literally grown up during the age of technology and have never known a world that wasn’t online. Take a moment to think about that. As opposed to Generation X or Baby Boomers, mobile devices and 24/7 internet access are not things this generation has to adapt to. These are things they’ve come to expect as standard operating procedure. These plugged-in consumers report to checking their smartphones an average of 43 times a day2 and using two or more internet devices while watching TV2. It’s important for credit unions to recognize that Millennials are an audience we should be paying attention to and courting. It’s estimated that by 2017, the Millennials, or Gen Y, will spend more than $200 billion annually.3What People Think MattersMillennials have the world at their fingertips. Not only are they visiting our websites, they’re also checking our online reviews and our Facebook and Twitter accounts to see what people are saying about us. Some 84% of Millennials say social opinions influence their decisions when it comes time to make a purchase. Seven in 10 Millennials4 also say they feel the need to share feedback when they have a good or bad experience. Think about that. By providing them with a good experience they can become an extension of your salesforce—your brand ambassadors, so to speak. But of course this works both ways. They actively add content via their social media outlets whether they are a happy Members…or not. Millennials do require a bit more nurturing than previous generations. When they are engaged, they are your vocal consumers who have some real influence on the purchases of others. But once they lose their trust or faith in a brand, it’s nearly impossible to get them back on board. That’s why it’s so important that you establish a positive relationship with this core group.Now is the time for us to adjust and adapt our marketing strategies if we want to succeed with this generation. Understanding their habits and their preferred communication methods will serve us well.References: 1Experian Marketing Services. Millennials come of age. June 2014. 2Mobile Marketer. How to build loyalty with millennials on mobile. June 2014. 3Advertising Age. Millennials Want to Party with Your Brand But on Their Own Terms. August 2012. 4Edelman. 2.0 Insights Study. December 2012.last_img read more

Short and effective – Bahamas with Love

first_imgWe will follow how the whole campaign will develop further, because with the publication of one video, we certainly cannot talk about a complete campaign. But now, at a time of crisis caused by the coronavirus, they have used (recycled) the same content, but added a narrative according to the current situation. In an attempt to attract foreign tourists and present the Bahamas as an attractive tourist destination, the Bahamas hired popular musician Lenny Kravitz for their campaign. So last year a new, multi-channel creative campaign was launched with Bahamian-American rock legend Lenny Kravitz and the lyrics of his hit song Fly Away. “What matters the most is that we come together as one. You were there for us and when the storm passes we’ll be here for you. “center_img “From The Bahamas with Love” is the name of a new campaign that was announced through a short and effective video, with an even better narrative. The campaign is, of course, thematically related to the current crisis situation caused by the coronavirus. PS We are also waiting for the CNTB’s move to address a video or similar campaign, as well as other national tourist boards, in accordance with the time of the coronavirus. Short and effective.last_img read more

New York closes schools in virus-hit areas over second wave fears

first_imgNew York will temporarily close schools in nine neighborhoods experiencing an uptick in coronavirus infections, Governor Andrew Cuomo announced Monday, highlighting the difficulty of keeping children in classrooms during the pandemic.The public and private schools are in areas of Brooklyn and Queens, where the rate of positive cases has been above the three percent threshold for more than seven days.New York – America’s largest school district with 1.1 million students – is the only major city in the United States offering in-person classes this fall. Topics : Many cities, such as Chicago, Houston, Los Angeles, Philadelphia and Miami, opted instead for online classes.The issue of reopening schools has become politicized ahead of the November elections, with Republican president Donald Trump insisting schools reopen, regardless of infection rates.The closures take effect on Tuesday, bringing forward by a day the date proposed by New York City mayor Bill de Blasio.Cuomo refused for now to close non-essential businesses in the nine areas, as also called for by the mayor.center_img Two of the neighborhoods recorded positive rates above eight percent over the past seven days, according to figures released Monday.The areas include large Orthodox Jewish communities, who recently marked the Rosh Hashanah and Yom Kippur holidays.Across New York state, the rate of positive cases remains low at 1.22 percent.last_img read more

Delta Aquariid Meteor Shower Peaks This Weekend

first_imgLook up in the sky!The Delta Aquariid meteor shower is about to peak.Although it appears during both July and August, officials at NASA say the best chance to see it is at the end of July, specifically on Sunday, July 28.The shower began on July 12 and is active until August 23. A new moon this Wednesday and Thursday will provide dark skies needed for spotting meteors.The best chance of seeing them without the moon in the way will be the first week of August, at about 3 a.m. Eastern time.NASA says you can expect to see about 20 meteors per hour during the peak, traveling at 25 miles per second.The Delta Aquariid meteors appear more faint than others, and are more apparent in the Southern Hemisphere, according to NASA.However, people in the Northern Hemisphere’s southern latitudes can still see them.Some of the Delta Aquariid meteors leave glowing gas trails that linger for a few seconds after burning up in Earth’s upper atmosphere.The Delta Aquariid meteor shower is created by comet 96P/Machholz. The comet, which completes an orbit around the sun every five years, was discovered by amateur astronomer Donald Machholz in 1986.last_img read more

French challenge beckons England players

first_img Two teams will represent England Golf in the Vilmorin Cup at the French U21 ladies’ championship at St Cloud, from 2-6 April. Team A is India Clyburn of Lincolnshire, Alice Hewson of Hertfordshire and Inci Mehmet of Surrey. Team B is Sammie Giles of Cornwall, Sophie Lamb of Lancashire and Bethan Popel of Gloucestershire. The players will be joined by Gemma Clews of Cheshire for a match against France at St Cloud on the day before the championship, Wednesday, 1 April. The Vilmorin Cup is played alongside the two rounds of stroke play qualifying at the championship and the best two scores from each team count each day.   After 36 holes the leading 32 players go forward to the matchplay stages of the championship for the Esmond Trophy; and the next best 16 players aged under 18 contest the Cartier Trophy.   The players: India Clyburn, 18, (Woodhall Spa) won the 2014 England Golf Girls’ Order of Merit, sponsored by Ascot Golf, in her last season as a junior. Her individual successes included winning the English girls’ championship, the Scottish junior open, the girls’ title at the Daily Telegraph junior championship and the Royal Birkdale scratch trophy. She was in England’s winning teams at the girls’ and ladies’ Home Internationals – winning all six of her matches at the girls’ event. Sammie Giles, 20, (St Mellion) is the English women’s mid-amateur champion and the winner of the 2014 Liphook Scratch Cup. Last season she enjoyed consistently good form with a top ten finish at the St Rule Trophy and top 15s at the Helen Holm, the English amateur and the British stroke play. Alice Hewson, 17, (Berkhamsted) was a member of England’s winning team at the girls’ and ladies’ Home Internationals. She won the Critchley Salver at Sunningdale and the U18 prize at the St Rule Trophy where she also helped England win the Nations Cup and was fourth overall. She was sixth in the English girls’ championship and ninth in the English women’s amateur. This season she was a quarter finalist in the Spanish women’s amateur. Sophie Lamb, 17, (Clitheroe, Lancashire) successfully defended the girls’ title at the Fairhaven Trophies in 2014. She has been in England’s winning teams at the Girls’ Home Internationals for the last two years and has represented GB&I in the junior Vagliano Trophy. She reached the last 16 in this year’s Spanish women’s amateur. Inci Mehmet, 18, (Royal Mid Surrey, Image © Leaderboard Photography) was also a member of the team which won the girls’ Home Internationals for the seventh successive year. She was runner-up at the 2014 English women’s amateur championship and has amassed a series of other good results last season, including fourth place in the Portuguese championship, fifth in the Irish open stroke play and fourth in the Critchley Salver. She reached the matchplay stages of the 2015 Spanish women’s amateur. Bethan Popel, 19, (Long Ashton) was also in the winning team at the women’s Home Internationals and helped England win the Nations Cup at the St Rule Trophy. Her other good results last season included fifth place in the English amateur, seventh place in the women’s Welsh stroke play, 12th place in the Helen Holm Scottish stroke play and 11th in the Portuguese amateur. Gemma Clews, 20, (Delamere Forest) was in England’s winning team at the ladies’ Home Internationals and won two scratch events last season: the Pleasington Putter and the inaugural Delamere Comboy Trophy. She was also third in the Welsh open stroke play, sixth in the English amateur and 12th in the British stroke play. 13 Mar 2015 French challenge beckons England players last_img read more

Commentary…LeBron was right

first_imgFinally! A decision that received national and international attention that did not come from the White House, Congress, the United Nations or even the European Union. Instead, it was an announcement made at a Boys and Girls Club in Connecticut.Even before the statement was concluded, folks in Ohio, cried, cursed, booed and burned anything with the number 23 on it. Sportswriters, talking heads of sports and even political analysts dissected and criticized “The Decision.” WILLIAM GRAY The announcement, of course, was that LeBron James had decided to accept an offer to play basketball for the Miami Heat, rather than remain with his previous team, the Cleveland Cavaliers, or even accept lucrative offers from other teams across the country.The criticism covered a full gamut of silly statements and speculations about issues such as why James made this announcement on TV; why he chose the Boys and Girls stage; and why the ESPN moderator did not ask tougher questions.But the real criticism questioned why James had not first talked to Cleveland’s fans or team owner Dan Gilbert or the governor or the mayor or the state legislature or the city council or even the local dogcatcher—all of whom had been so loyal for the last seven years. This ignores that James had consulted many people in Cleveland, including his family, friends, fans and the owner. The critics also seem to have conveniently forgotten that LeBron brought in an estimated $150 million a year to the owner and city’s economy.A chorus of negativity and personal attacks arose like a winter storm off the Great Lakes, except, of course, in South Florida where they are still shouting “hallelujahs,” dancing in the streets and seeking to buy season tickets to watch the Miami Heat.Even that great sports authority, The New York Times columnist Maureen Dowd, joined the Wagnerian chorus of criticism. In her support of Cleveland owner Dan Gilbert, she called the announcement narcissistic. She felt the pain of Gilbert who was played by James, the same James who had enriched the billionaire owner by hundreds of millions over the past years. She declared James owed it to Cleveland to show some class to the coach and fans.What coach? The coach of the Cavaliers is Byron Scott, who held that position for just one week before James’ announcement. Scott, who had never coached James, replaced Mike Brown, the previous coach who had been axed by Gilbert only days before even though he had taken the Cavaliers to the playoffs in all previous years. Yes, he was fired by the same Dan Gilbert who places such a high value on loyalty.This is Gilbert who sought to keep James in Cleveland, then childishly accused James of quitting in the playoffs by not playing well enough for the team to advance. The reality is that while James averaged almost a triple double, many of his teammates played below par in the playoffs. Don’t blame James because Mo Williams, Dante West, Antawn Jamison, et al played below their season averages. If James were a quitter, why would Gilbert try so hard to keep him in Cleveland?Even Kobe Bryant will admit you need some help to go all the way. And that is the heart of the matter.James did something unique for a multimillionaire sports star. He understands that there must be more rewards for a super player in the NBA than just getting big paychecks. He wants to be part of a successful team, one that can win championships. James took less money than he could have earned elsewhere to better reach this goal.He was impressed that Miami not only sought his services, but also re-signed super guard Dwayne Wade and convinced Chris Bosh to leave Toronto and join the Heat.If Miami coach Pat Riley is successful, then he’ll build around this trinity and then look out, NBA!Despite potentially higher pay elsewhere, it’s good to see players declare to billionaire owners and others that they are not gladiators who simply do your bidding. They have goals, values and desires.Essentially, these three players, James, Wade and Bosh, made a statement that they are not just chattel property individually available to the highest bidder. They will pool their abilities to do what is best for them and for a team. They will act like free men who have a right to market their skills.(William Gray, D-Pa., is the former majority whip of the U.S. House of Representatives and former president and CEO of the United Negro College Fund.)(Reprinted from the Philadelphia Tribune.)last_img read more

Dobbs shines, Steelers roll by Panthers 39-24

first_imgIt’s a reality Dobbs can live with if he has to. Then again, after throwing for a touchdown and running for another in a 39-24 preseason victory over Carolina on Thursday night, Dobbs made a compelling case to stick around — be it in Pittsburgh or elsewhere in the league.“I don’t really get too nervous,” Dobbs said. “I don’t really play that game. I know it’s a stressful time. I’ll just let it play itself out. That’s all I can do. I know it’s not really in my hands. I feel like I’ve played well. Played strong.”Dobbs, fighting for one of the backup jobs behind Ben Roethlisberger, vaulted into the end zone for a 3-yard scoring run to cap Pittsburgh’s first drive. He added a 27-yard strike to Tevin Jones later in the opening quarter and finished 8 of 12 for 151 yards to cap an impressive training camp.“I think it’s night and day from this season to last season,” said Dobbs, a fourth-round pick in 2017. “Just in total command and understanding of the offense and then being able to go out and make plays on the field. Throughout the preseason, I was able to make plays when I was given my opportunity. It shows in my command, I think it shows in my play and in how the offense was able to move up and down the field.”It just might not be enough for Dobbs to stick around.Dobbs, veteran Landry Jones and rookie Mason Rudolph are all vying for a backup spot behind Ben Roethlisberger. Jones, who has played well while filling in for Roethlisberger over the last three seasons, is likely safe. So too is Rudolph, a third-round pick this spring who came on for Dobbs late in the first half on Thursday and threw for a pair of touchdowns of his own.The Steelers (3-1) could keep all four quarterbacks when rosters are trimmed to 53 on Saturday, then perhaps deal one of the backups — Dobbs being the best candidate — to add depth elsewhere.While Dobbs stressed he loves Pittsburgh, he insisted he’s not going to lose sleep trying to figure out the various scenarios.“You have to focus on the task at hand, focus on the process and focus on what you can control and just keep hitting the wall,” Dobbs said. “It will break at some point.”CAROLINA’S QUANDARYThe quarterback math isn’t quite so complicated for the Panthers (3-1). Taylor Heincke and Garrett Gilbert have spent the last six weeks trying to gain some separation in the fight to back up Cam Newton.Heincke started the finale and moved the ball, going 7 of 12 for 68 yards and a 6-yard touchdown to Mose Frazier. Gilbert came on in the second quarter and was 4 of 7 for 23 yards. Rookie Kyle Allen played the entire second half, completing 25 of 35 passes for 250 yards and a score.“I think there are some good things,” Rivera said. “It’s tough when you are not playing with everybody, but we know that going in, it was going to be tough. And we’ll take a look at that and we will evaluate. We’ll come to a conclusion in the next couple days.”SWITZER DEBUTSPittsburgh wide receiver Ryan Switzer capped a frantic 72-hour stretch by returning one punt for 9 yards and averaging 21.5 yards on two kickoff returns. Switzer — acquired from Oakland on Monday to bolster the Steelers’ return game — also saw a handful of snaps at receiver but was not targeted.INJURIESPanthers: RB Elijah Hood (lower body) was hurt on the opening kickoff and did not return.Steelers: S Malik Golden (knee) was carted off the field in the fourth quarter. Golden was also hurt in the 2017 preseason finale against Carolina. WR Damoun Patterson (turf toe), LB Keith Kelsey (pectoral) and LB Olasunkanmi Adeniyi (hamstring) also left with injuries.ANTHEMThere were no protests by players on either team during the national anthem.UP NEXTPanthers: Welcome Dallas to Bank of America Stadium for the season opener on Sept. 9.Steelers: Open at Cleveland for the second straight season when they visit the Browns on Sept. 9.___More AP NFL: https://apnews.com/tag/NFL and https://twitter.com/AP_NFL PITTSBURGH (AP) — Josh Dobbs has never been cut from a team in his life, no matter the sport. The Pittsburgh Steelers quarterback understands the streak is in jeopardy due to the indelicate politics that come with putting together an NFL roster. Pittsburgh Steelers quarterback Joshua Dobbs (5) leaps over Carolina Panthers defensive back Rashaan Gaulden (28) and defensive end Daeshon Hall (94) for a touchdown during the first half of a preseason NFL football game in Pittsburgh, Thursday, Aug. 30, 2018. (AP Photo/Keith Srakocic)last_img read more

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