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Dawn Hudson, chief marketing officer of the National Football League.
Distributors of financial products and services are facing a whole new ball game in terms of marketing to Generation Y and Generation Z, the National Football League’s top marketing executive said.
Dawn Hudson, chief marketing officer of the NFL, discussed a number of ways in which Generation Y and Generation Z pose different challenges for those who want to win them as clients. Her presentation was part of the Insured Retirement Institute's annual conference.
Hudson said Generation Y or the millennial generation, born in the 1980s and 1990s, is known as the “two-screen generation” for having grown up with two screens within earshot: a computer screen and a television screen.
But that pales when compared with Generation Z, Americans born after 2000, whom Hudson called the “five-screen generation.” Generation Z is growing up with televisions, desktop and laptop computers, tablets and mobile phones.
Hudson said these audiences are easily bored and distracted. That means industries can’t market products to those generations in the same way across different channels, or approach conversations in the way financial services companies might have in the past.
These young customers don't want advisors to play the "protection" card, Hudson said. Instead, a better way to approach these age groups is by helping them prepare for a new experience in life and reframe the discussion away from retirement planning.
The NFL is one of the nation's top employers of millennial-age workers. The league hires thousands of young players, some of whom rapidly rise to become household names by the age of 25.
Hudson's comments could serve as a guidepost for insurance companies and financial advisors who are struggling with how to sell more life insurance to young people.
She said that the advent of the socio-digital age epitomized by Facebook and Snapchat means that young consumers demand transparency. Young Americans will be ruthless and unforgiving if you are not honest and open with them, Hudson said.
Financial advisors are under more pressure than they have been in the past 40 years to reveal their distribution and compensation practices.
The Department of Labor’s fiduciary rule is set to take effect in April, the Securities and Exchange Commission is reviewing a rule on advisor transition plans, and another SEC fiduciary rule is likely to be released in the coming months.
“Organizations change when they are under pressure,” Hudson said.
She pointed to recent NFL campaigns as a way of dealing with negative publicity.
In an incident in which cameras caught the Baltimore Ravens player Ray Rice assaulting his wife in an elevator, the league didn’t try to hide, minimize or even deny the episode but instead began a discussion around domestic abuse, Hudson said.
Then the league went on to highlight how many NFL players are involved in their communities – from running a chicken farm to helping with the stadium’s ground crew.
“Young people want to know about the different things you are doing,” she said. “The power is in the 3,000 stories (you tell), not the 10 stories."
MANCHESTER UNITED are preparing a bid for Bayern Munich star Thomas Muller, reports say.
The Red Devils are reportedly lining up the World Cup winner as Juventus step up their interest in Robin van Persie, according to the Independent.
Louis van Gaal is known to have a close relationship with the 25-year-old.
The Dutchman helped Muller to break into the Bundesliga side's first team during the 2009-10 season.
The forward has reportedly had a falling out with Pep Guardiola after being hauled off against Barcelona.
However, the German side will still reportedly expect to receive a fee of around £40m if they are to sell him.
Muller has made 303 appearances for his team in all competitions since emerging from the academy, netting 121 goals along the way.
FSU quarterback James Blackman was flushed from the pocket by Chubb and took off down the field. Blackman put a pretty spin move on safety Jarius Morehead at the 31-yard line to pick up the first down and was headed down the field for more yards.
Chubb caught up to Blackman at the 22 and, with an old Lawrence Taylor move, chopped down with his right arm and swiped the ball out of Blackman’s hands.
“I saw that ball hanging loose,” Chubb said. “He spun on somebody, and I tried to knock it out then. I kept running, and I just persisted.
Chubb knocked the ball loose a fraction of a second before Blackman’s right knee hit the ground. The play was ruled a fumble on the field and then upheld after a lengthy review.
ESPN incorrectly said it was Chubb who recovered the fumble during the broadcast and the official box score credits safety Shawn Boone with the recovery, but it was Morehead, who didn’t give up on the play, who actually came up with the fumble at the 2-yard line.
Morehead emerged from a pile of a half a dozen players and then handed it to Chubb, who waved it around for the officials.
Great hustle play by Chubb and a nice break for N.C. State that Blackman wasn’t ruled down on the field. Given the timing of the ball coming out and Blackman’s knee hitting the ground, it was going to be difficult to overturn the call on the field, either way.
With FSU driving and ready to wipe out N.C. State’s early 10-0 lead, Jimbo Fisher figured he’d play it safe and run a quick toss to Akers, an electric freshman. Akers was barely able to get back to the line of scrimmage.
Moore, a senior linebacker, shot through the FSU backfield and knocked Akers down for no gain. Instead of FSU going in for a 14-10 lead – which would have been demoralizing given how well N.C. State played in the first quarter – the Noles had to settle for a chip-shot, field-goal attempt. From the right hash, Ricky Aguayo then missed the kick wide to the right.
On the next series, N.C. State popped a 71-yard touchdown pass to receiver Jakobi Meyers to extend its lead to 17-7.
In 2015, N.C. State let a 17-7 first quarter lead slip away at Florida State because it couldn’t make enough plays on offense. The Wolfpack receivers, in particular, were out-classed by FSU’s defensive backs. And even when N.C. State’s receivers could get open, they dropped a lot of passes from quarterback Jacoby Brissett.
That was not the case on Saturday. Louis, a junior receiver, jumped up and out-muscled FSU cornerback Levonta Taylor for a high pass from quarterback Ryan Finley right at the first-down marker.
Two plays later, Jaylen Samuels scored his second touchdown of the game, a 14-yard pick up on a shovel pass, to extend N.C. State’s lead to 27-16.
Watch a timelapse as NC State's Jaylen Samuels, on fourth and goal, dives over the Florida State defense to score a touchdown for the Wolfpack in Tallahassee, FL Saturday, Sept. 23, 2017.
Up two scores, all N.C. State had to do was take care of the ball. The only way for FSU to come back and win the game would have been with a free touchdown.
The Noles almost got one when an errant shotgun snap went wide of Finley and into the end zone. Instead of trying to pick the ball up and force a pass or fumble it back to FSU, Finley wisely knocked the ball out of the end zone for a safety.
The smart play by Finley, who threw for 230 yards and two touchdowns, saved N.C. State at least four points.
N.C. State needed one first down to put the game away. The Wolfpack got the ball back with 3:01 on the clock but only picked up 3 yards on the first two downs.
With FSU selling out to stop the run, Hines was able to pop outside, with a key block from right guard Tony Adams, for 15 yards and the first down. Hines was also smart enough to stay inbounds and let the clock run.
N.C. State only had to snap the ball twice from the “victory” formation after Hines’ big run. Hines finished the game with 94 hard-earned yards on 24 carries.
Cringe-worthy video clips? You don’t have to wait till Wednesday night for those.
When a political candidate makes a solid point during a debate, it’s a thing of beauty. It is a delicate chemistry of logic, facts, and charm, broadcasted effortlessly into living rooms across America. But then there’s the rest of the time. Broken teleprompters. Butchered names. Awkward touching. And neither Barack Obama nor Mitt Romney is immune. In honor of Romney and Obama’s first head-to-head presidential debate on Wednesday, let’s take a look at the best of the worst of their debates so far.
Turns out Teddy was more right than he knew: During the GOP presidential primary debates in 2007, Romney said he’d be “delighted” to sign a bill banning abortion, or to see Roe v. Wade overturned.
2. SHOW US THE TAX RETURNS!
Asked by John King in a January GOP primary debate if he would follow his father’s example in releasing multiple years’ worth of personal tax returns, Romney answered with a cryptic grin and a single word: “Maybe!” Judging from his subsequent hemming and hawing and the audience’s boos, even conservatives were nonplussed by Mitt’s noncommittal answer.
On one hand, Romney’s been pretty consistent in his tax return convictions since 2002, as evidenced by this clip from his gubernatorial debate. But on the other hand, your first reaction to the question “Do you have something to hide?” should probably not be the creepy laugh at 0:15 here.
3. YOU BET YOUR LIFE. OR 10 GRAND. WHICHEVER.
Rick Perry knocked Romneycare last December, saying the first run of the Massachusetts governor’s book, No Apology, proved he was an Obamacare fan: “You were for individual mandates, my friend.” Romney swore it wasn’t true. He was willing to put money on it. Just a teeny bit of money. For him.
Then there was the time last October when a debate over Romney’s allegedly undocumented gardener turned physical. Spoiler alert: Awkward cackle at 0:23, awkward touching at 0:33. Good thing Rick Perry wasn’t armed.
Romney, parroting his conservative talking points, seems oblivious to the men’s relationship: “I believe that marriage is a relationship between a man and a woman.” The vet, barely containing his outrage, replies: “You have to look a man in the eye to get a good answer. You know what, Governor? Good luck.” Ew. Awkward!
Obama, who at the time was under fire for his lack of foreign policy experience, made an ill-timed gaffe about our northern neighbor in August 2007. He promised he would try to amend NAFTA by calling “the president of Mexico, the president of Canada.” Insert awkward moment where you remember that Canada has a prime minister. And you learned that in high school.
Observe President Obama, largely considered to be one of the top presidential orators of all time, melt into a quivering pile of debate team mush when his teleprompter goes out at town hall meeting. He inexplicably decides to go with the “I didn’t get enough sleep” excuse.
It should have been a touching debate moment: Obama wore a “hero bracelet” commemorating a soldier killed in Iraq. But not only was there controversy over whether Obama was going against the family’s wishes by wearing the bracelet, but he seemingly forgot the soldier’s name.
5. Obama wins nobel peace prize for…preemptive peace?
Obviously, Obama didn’t win the Nobel Peace Prize during a debate, but it was one of the more awkward moments of his early presidency. The New York Times tried to characterize it as the committee’s rejection of George W. Bush, but even Obama seemed baffled.
A memorial service will be 2 p.m. Jan. 14 at the Genoa Community Church on Nixon Street in Genoa for Arlene Bechtel, 71, who died at her Gardnerville home following a brief illness.
Mrs. Bechtel was born Aug. 24, 1935, in Detroit, Mich., to Kenneth A. and Joan L. Duffy, who preceded her in death. She married Ray Bechtel on Oct. 22, 1955 in Kingman, Ariz., and the couple recently celebrated their 51st anniversary.
She has been a resident of Gardnerville since 1988 and was a member of the Genoa Community Church.
She enjoyed reading, cooking and gardening.
She is survived by her husband, Ray Bechtel, brothers Charles Duffy of Angels Camp, Calif. and Neal Duffy of Banning, Calif. and her sister, Carol Millar of Riverside, Calif.
A memorial service was Saturday for Ariel Madison Taylor, 15, of Enterprise, Ala. She died Dec. 26, 2006, at Flowers Hospital in Dothan, Ala., from injuries sustained in an accident.
Miss Taylor was born Nov. 26, 1991, in Virginia. She was a 9th grader at Daleville High School and a member of JROTC.
Survivors include mother Michaela Susanne Putbres of Enterprise; father and step-mother Robert Grover Joseph and Bridget Taylor of Gardnerville; sister Tiffany Taylor of Lake Tahoe; brother Timothy Taylor of Lake Tahoe; step-sister Jessica Putbres; step-brother Brandon Kelsey of Barstow, Calif.; paternal grandparents Walter F. Taylor and Karen Miller, both of Colorado; maternal grandparents Werner J. Putbres of Roxheim, Germany, and Karin B. Wilcox of Enterprise.
The heavy rains of a few weeks ago have forced the IRS to shut down its headquarters until Jan. 1 because of flood damage.
The tax agency's IT systems were not affected by the severe weather, since they are located chiefly at IRS' suburban headquarters in New Carrollton, Md., said John Dalrymple, IRS deputy commissioner for operations support.
'The average taxpayer should not feel this at all since we are a decentralized organization. The processing of returns has been unaffected,' he added.
Monetary damages could reach into the 'tens of millions of dollars' said Bart Bush, assistant regional administrator for the General Services Administration's Public Buildings Service for the National Capital Region.
Coincidentally, just the week before the heavy rains swamped the area, agencies participated in the Forward Challenge '06 biennial continuity-of-operations exercise.
'All of those activities helped with the preparation here. It also helped with what we went through with flooding in New Orleans last year, where we have a large facility,' Dalrymple said.
Bush said the COOP exercise helped them immediately get on with action items.
The rains resulted in 20 feet of flooding in the IRS' subbasement and 5 feet of water in its basement. The subbasement holds all of the building's electrical and maintenance equipment.
The IRS building has moats that flooded, breaking windows in the lower level and sending water into the basements, while water was also rising from below as the ground could not absorb any more, Dalrymple said.
The timeline for restoration of the headquarters building at 1111 Constitution Ave. in Northwest Washington is dependent upon whether items such as air compressors and circuit breakers, which are custom-manufactured, have to be replaced or can be repaired on site, Bush said.
The IRS' 2,400 HQ employees have been working from home, at federal telework centers and other buildings the IRS occupies in the Washington area. About 35 employees are working in space provided by the Government Printing Office.
The IRS also has leased office space for the interim from GSA until headquarters reopens.
NOT before time, the Financial Services Authority has decided to call a halt to the abusive prevarication that has seen tens of thousands of endowment mortgage complainants hung out to dry by companies that mis-sold them the product.
Financial Mail has reported extensively on the shabby tactics and breathtaking cynicism deployed to dodge paying compensation where endowment policies were wrongly sold.
Now the FSA - with, one suspects, a hefty shove from the Financial Ombudsman who makes no secret of his distaste for the way many complainants have been treated by the industry - has called a halt.
In a letter to chief executives, the FSA makes clear that it will hold them personally responsible for their companies' failure to clear up the huge backlog and impending deluge of complaints.
And there could be a fair few summer holidays ruined as the 80 industry bosses have been given only until the end of August to show that their systems can cope.
The FSA is also planning to impose a new system of monthly, rather than quarterly, reporting on clear-up rates and says it will start to cut up rough if the target of handling all complaints within eight weeks is not met.
It will also be watching with increased interest those companies that have a disproportionately large number of complaints upheld by the Ombudsman - a sign that claims are being unfairly treated or, more cynically, that the Ombudsman service,which charges £360 per complaint, is being used as a cheap way of outsourcing the whole messy business. As a result it is overwhelmed.
The FSA decided not only to fine Abbey earlier this year, but to force it to look again at about 30,000 claims it had turned down. Designed as a 'pour encourager les autres' action, the watchdog now clearly feels that the sector's worst ingrained habits need even more impetus to change.
So for those who still believe they can carry on regardless, the FSA warns that failure will be 'subject to a range of remedial and enforcement actions'.
In FSA speak, this means it will not duck punitive fines. It has already fined nine firms for endowment-related failings.
But more meaningfully for an industry that can afford to shrug off the odd fine, the threat that chief executives will be in the firing line is potent.
As the possibility of corporate manslaughter charges has shown, nothing concentrates the efforts of an organisation more than when the boss stands to end up in the dock.
John Tiner, head of the FSA, was supposed to be taking life a little easier for a few months while he recovered from illness. There is little sign of that.
Instead, his organisation is setting out more clearly than ever the determination to take its role as the consumer's champion seriously. the longer term, though, it is being cruel to be kind.
Yes, many of the recalcitrant companies are likely to have to increase the money they set aside against mis-selling as the new regime will mean it becomes harder to refuse to pay up.
But endowment mis-selling is a festering sore that has done as much as any other scandal to damage public confidence in the financial services industry. By taking such an uncompromising stand, the FSA hopes to ensure that a line is drawn as quickly as possible under this deplorable affair.
Only then will the sector be able to set about its single biggest task - to rebuild consumer confidence at a time when encouragement to save in one form or another has never been more crucial.
Once again, it seems, corporate Britain is wilfully denying itself access to the widest available pool of talent. First we manage - largely at least - to get rid of backscratching boardroom appointments in favour of a more transparent process handled by a nominations committee.
Still, however, the names offered up for selection tend to be those that headhunters deem appropriate - for which, in most cases, read acceptable, obvious and easy to find.
Now, in response to my column last week calling for more professionalism among pension trustees, I gather from a number of eminently qualified candidates that they would be only too happy to step into the breach - if only vacancies were advertised openly rather than on a word-of-mouth basis.
There is expertise and experience out there. Surely our hard-pressed pension funds have the wit, somehow, to tap it?