Tag: 杭州品茶服务


first_imgIn Harrisonburg, Va., bikes are helping sentenced juveniles find a new path.In Harrisonburg, Virginia, when you’re a juvenile charged with a misdemanor, you end up in the courtroom of Judge David O’Donnell, a district court judge for the 26th Judicial District Juvenile and Domestic Relations District Court. Depending on the case, O’Donnell can dole out anything from a verbal reprimand to detention time, but more often than not, his sentencing falls somewhere in the middle.“There’s a mixed bag of what causes this behavior,” he says. “Very often we find out [these juveniles] don’t have a lot of means, they don’t have a lot of direction, things in the home are challenging, and there’s nothing that really gives them a sense of accomplishment. We gotta think of new and different ways rather than just punishment to address that behavior.”Enter (L)earn-a-Bike (LAB), a 16-hour community service program that offers court-involved youth the opportunity to not only learn how to fix a bicycle but to also earn one in the process. Founded in 2015 by Eastern Mennonite University alumni Ben Bailey (‘12), Tom Brenneman (‘92), and a host of other individuals and entities such as Harrisonburg Gift & Thrift (which donated the space LAB operates in) and the Virginia Department of Juvenile Justice, LAB falls uniquely into a class of its own based on the very nature of a bicycle.Photo by Jess Daddio.“It intentionally creates frustration,” says Matt Hassman, one of the LAB instructors who also has a background in wilderness therapy. “We’re using the bicycle as a metaphor for building self-efficacy. We allow them to make their own mistakes. There are kids who, if you tell them a stove is hot, they won’t touch it. Then there are kids that are going to need to touch the stove to understand what hot is. Some kids need to fail to learn something.”“It’s really practical,” says Brenneman, who served as an early intervention officer for the Rockingham County court system when LAB was conceived. “This isn’t designed to be therapy. This isn’t designed to be punishment. It’s all about affirming the kid and listening.”Now going into its fourth year, LAB—which is state funded through the Virginia Juvenile Community Crime Control Act (VJCCCA)—has served close to 100 juveniles with delinquency charges and status offenses ranging from larceny to truancy. Fittingly, the very first referral Judge O’Donnell sent to LAB was a juvenile charged with stealing a bicycle. Every session is intimate and personalized; on average, four kids make up each cohort. The 16 hours are divided into four-hour sessions on four consecutive Saturdays, which culminates in the participant either receiving or gifting the bike they have been working on.“This isn’t designed to be therapy. This isn’t designed to be punishment. It’s all about affirming the kid and listening.”Tom Brenneman, (L)earn-a-bike founderBecause LAB shares a building with Bikes For Refugees, many of the program’s graduates donate their bicycles to refugees in need. This embodies the beauty of an alternative like LAB, Brenneman says. In a city that has one of the most diverse high schools in the state of Virginia—more than 50 languages are spoken and 70 countries represented in a student body of 1,700—it can be hard to establish connections. LAB allows youth an avenue for navigating that sense of belonging.“You can have a kid from Fallujah, Iraq, settled here under specific terms from the Department of Defense for asylum, who comes with all of these embodied trauma dynamics from a war-torn situation, become court involved for a variety of issues, somehow find his way to (L)earn-a-Bike, and in the course of it give a bike to a refugee. That comes full circle. That’s community service.”“We’re such a diverse community. These kids come from all different types of backgrounds,” adds Judge O’Donnell. “It’s a real melting pot around here. [Through (L)earn-a-Bike], these kids get to identify with others and understand that maybe what they hear about certain types of people is not necessarily true.”Community members interested in supporting LAB can sign up to become an instructor, which is a paid position funded through the VJCCCA grant. Bike parts and bicycles can be donated directly to the program. The public can also make a tax deductible donation to Harrisonburg Gift & Thrift, which itself has a longstanding history of offering community service options for both youth and adults in the court system. Despite the Gift & Thrift’s association with the Mennonite Central Committee, Brenneman says the 501(c)(3) non-profit is completely secular and supportive of everyone.“It’s not about proselytizing or evangelism,” he says. “It’s about the evangelism of the bike.”Visit learnabike.org to learn more about how you can help.last_img read more

The ghostly lessons learned by some CUs

first_imgThey are memories that haunt credit union leaders to this day–simultaneous conversions, branches in “un-nice” places, and even a “Boogie Man Of Ambition.” They’re also the kinds of ghoulish lessons in management those same leaders say they will take to their graves.As Halloween arrives, in this the first of a two-part series, credit unions share their Tales of Terror with CUToday.info, telling chilling stories about some of the decisions the CU has made over the years that have come back to haunt the organization.At least two credit unions that have ultimately avoided the graveyard of decisions gone bad said they have learned that attempting to do too much—or reach too far—can lead to nightmarish results.In San Bernardino, Calif., the $85-million Thinkwise FCU still fears the “Boogie Man of Ambition,” and swears that bugaboo won’t come rapping its bony fingers on its doors again. 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more

Indonesia a dream market: Allianz banks on increased awareness of protection amid pandemic

first_imgThe coronavirus pandemic has changed most aspects of life, including how people interact and protect themselves and their family members amid the uncertainty of the health crisis. The insurance industry is no different as its players work to change their business approaches and products to adapt to the changes.Several players, including Allianz Life Indonesia, have reported that they faced difficulties in selling their products amid the movement restrictions implemented to curb the virus spread, despite seeing rising awareness of the importance of insurance among the public.The Jakarta Post’s Riska Rahman and Prima Wirayani talked with Allianz Indonesia country manager and CEO Joos Louwerier via Zoom in late July to discuss how the pandemic has affected the insurance industry, Allianz’s strategies to weather the crisis and the company’s future post-pandemic. Here is the excerpt of the interview. Question: Can you give us insights on the challenges the insurance industry has faced during this pandemic?Answer: The earlier months of the pandemic were a challenging period because it was harder to sell insurance as we could not meet the customers and they may have been reluctant to meet with us, too.Like many of our peers, we have worked very hard to overcome this challenge by developing the right products. We have also focused more on protection, hospitalization and critical illness products.We have also developed the Allianz eAZy Cover for virtual selling and helped our agents with using a methodology to approach customers and explain the need for protection. We anticipated the changes and that resulted in sales picking up quite nicely. I agree with my colleagues in the industry that it has been quite challenging. However, with the right measures, we think we can still grow.What is the industry’s potential in Indonesia and how does it compare with other countries in Southeast Asia?I think the potential is huge. I often say to my colleagues and to anybody working in insurance in Indonesia that this is the dream market because of the very low insurance penetration rate of about 3 percent to gross domestic product (GDP). The opportunity also lies in the fact that a lot of people simply do not have insurance and are not familiar with it.That also comes to the point that we as insurance companies have a huge responsibility in Indonesia to explain what insurance is, to make it easily accessible to the public and to increase the financial literacy rate, which according to the Financial Services Authority (OJK) is about 18 percent. That has to increase and we have to work together to do that.Considering the low penetration of insurance in Indonesia, in your view, why are Indonesians unaware or reluctant to buy it for themselves?Many people believe that they do not need insurance because they have their families or communities to help them. But if they do not have that kind of protection, people will start to feel the need to be protected by an insurance company. That is where we come in and explain insurance in a very simple and comprehensive way. I think the OJK, the government and insurance industry players have all worked very hard to educate various groups of the population about insurance and we have to continue to do so.However, the biggest jump in insurance awareness was actually made by the Health Care and Social Security Agency (BPJS Kesehatan). The penetration of BPJS Kesehatan has been quite significant in a short period of time and that has made people more aware of insurance in one way or another.Recently we have seen many cases that have harmed the reputation of the insurance industry, like with state-owned PT Asuransi Jiwasraya and Asabri. How have these cases affect Allianz?Allianz has always been committed to maintaining our customers’ trust in regards to managing their funds and their unit-linked products. We rely on our expertise to always optimize the investments and returns. We remain very prudent in designing our products and also in maintaining our asset portfolios. We explain the products to customers and also how we take care of customers’ money in unit-linked portfolios.I hope these cases will result in the industry becoming more mature and that regulators will take the right steps to avoid this happening again in the future. We are working with the industry and with the regulators on this together.Can you explain to us what types of insurance have gained in popularity for Allianz, especially during the pandemic, and how has client acquisition fared so far?Traditional protection products have gained quite a bit in popularity because of COVID-19. People are looking at hospitalization and critical illness insurance, so we have seen a significant increase there. Our unit-linked insurance products, however, still remain our most dominant products.We have seen a significant increase in numbers for our health and life insurance this year, driven by the COVID-19 pandemic. In the first quarter of 2020, Allianz Life saw a 27.6 percent increase in weighted new business premiums, far surpassing the average market growth that dipped 4.4 percent. Allianz Life also recorded a 21.2 percent increase in its total weighted premiums, which exceeded market growth that dropped 1.3 percent from the same period of 2019.If you ask me about the projection for this year, we think this has been a tough year for the whole industry, but we believe we can grow despite the crisis. We saw a huge opportunity for growth in the first quarter and we think we can continue that growth over the entire year.What are your strategies to grow your business in terms of the number of policyholders and premiums?We embarked on a digitalization journey three years ago in which we are very aggressively re-shaping our processes and our systems to make sure that customers can access us in a very convenient way and that our agents are digitally-enabled as well.We want to make it easier and very simple for people to purchase our products, not for them to have to go through endless documents, but to make it easy to understand and process.We also want to partner with our ecosystem partners such as Gojek, Bukalapak, Halodoc and also Home Credit to make customers more aware of the need for insurance and to make it easier for them to purchase those products.Experts expect more work will be done virtually after the pandemic. How do you think that will affect your company and the workflow of your staff?I think all industries, not just insurance, have seen huge changes. I do not think this will completely change after COVID-19 because it can improve efficiency, as we have all seen from the benefits of working online.At Allianz group, we are quite aggressive about this. We think that in the future, we will not go back to 100 percent working at the office. It will be probably around 60 percent work in the office and 40 percent work from home, even after COVID-19.As for our agents, we plan to increase their numbers in the future because I expect that digitization will make it easier for agents to get on board. I expect that COVID-19 will result in growth in the number of agents in the industry and also for Allianz.Topics :last_img read more

Martin Keown sends transfer message to Mikel Arteta after Shkodran Mustafi howler

first_imgMartin Keown sends transfer message to Mikel Arteta after Shkodran Mustafi howler Advertisement Advertisement David Luiz was sent off (Picture: Copa/Getty Images)‘Honestly he’s an accident waiting to happen. He listens far too much to the criticism that is around him.‘We’ll see how good a manager he [Arteta] is now, he’s got to go into the transfer market to get a top centre-half to come to this football club, quickly.’Manchester United legend Ferdinand added: ”When’s the last time they bought a good centre-half who’s consistent? [Laurent] Koscielny was the last one and then he finished on bad injuries and lots of inconsistencies. They don’t get that right, for years it’s consistent.More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing Arsenal‘I actually feel sorry for Arteta that he has to keep picking Mustafi. I don’t ever see a good performance in him. He makes mistake after mistake, there’s nothing new in his performance that gives me any comfort or I can sit there with any confidence. I feel sorry there’s no one else behind him in the youth team who looks half good enough to get in there and put a solid display on. That’s the killer for me.Cole continued: ‘I feel for Arteta, you feel he wants to put a team out that’s organised, that playing out in possession but if you’ve got David Luiz and Mustafi playing at centre-half, making mistakes like they do… you can’t win games.‘This has been going on far too long at Arsenal where they’ve had centre-half after centre-half after centre-half year after year after year, constantly making mistakes. It’s been 10 years.’Should Arsenal sign a new centre-back in January?Yes0%No0%Share your resultsShare your resultsTweet your results Mustafi was at fault again (Picture: PA)Shkodran Mustafi had another moment to forget as his criminal error played a huge role in Arsenal falling behind to Chelsea at Stamford Bridge.His attempted backpass was scuffed and Chelsea striker Tammy Abraham latched onto it, skipped round Bernd Leno before being pulled down by David Luiz to earn a penalty, with the Brazilian then sent off.To make matters worse, Jorginho slotted the penalty home in cool fashion, leaving Arsenal a goal and a man down away from home.It’s far from his first disastrous moment in an Arsenal shirt and he was heavily criticised by Martin Keown, Rio Ferdinand and Joe Cole at half-time, with Keown calling on Arsenal manager Mikel Arteta to buy a new centre-half as soon as possible.AdvertisementAdvertisementADVERTISEMENT‘We talked about Mustafi before the game. He did an interview recently saying it’s hard work as a central defender, I head it, I kick it and everyone talks about my mistakes and there’s another one there,’ Keown told BT Sport.‘I sense there’s a fear in this player, you can smell it when he gets the ball, when he defends… in this moment he thinks “I’m going to make a mistake” and he makes it. You’ve got to put everything out of your mind.‘David Luiz isn’t great there either but I sympathise with David Luiz he’s been put in trouble by Mustafi. Comment Metro Sport ReporterTuesday 21 Jan 2020 9:20 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link3.6kShareslast_img read more