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Ability to Pay (ATP) Index Product Sheet
ATP Index can be used alone or incorporated into models that incorporate consumer financial variables. ATP Index can help marketers more efficiently assess customer portfolios, enhance targeting, better identify high-potential households for marketing efforts, tailor promotions, rank leads, and help inform account management. ATP Index is available for use in both offline and online applications.
Ability to Pay Digital
Ability To Pay™ is an estimate of a household's financial capacity based on consumer spending capacity, total income (including income from wages and assets), and household demographics.
Addressable TV Advertising
Television ads cost big bucks. That's why advertisers and their agencies should take advantage of new, more targeted TV ads to better reach their optimal audiences.
Advanced Communications Plus
Advanced Communications Plus is a new industry specific score only available to NCTUE Plus members.
Advanced Energy Plus
Product sheet for Advanced Energy Plus, a new score for thin hit/no file only available to NCTUE Plus members.
Aggregated FICO Scores from Equifax – Product Features Sheet
An overview of the different features available with the Aggregated FICO® Score
Aggregated FICO Scores from Equifax – Product Sheet
Aggregated FICO® Scores offer marketers an aggregated, modeled form of FICO® Scores, thus enabling the use of an industry accepted credit risk assessment measure for non-FCRA marketing applications.
Aggregated FICO® Scores are offered at the micro-neighborhood level, thus ensuring consumer privacy.
AML Compliance
Help facilitate compliance, minimize risk and reduce losses.
Analytic Dataset
Analytic Dataset is a unique solution which provides insights into the credit health of US consumers through multiple credit cycles. This solution is created from a sample population across different geographical boundaries starting in July 2005 to present. It allows for the entrants of new consumers as others leave the active US consumer population due to death or credit usage.
AudienceIntel Product Sheet
AudienceIntel from IXI Services, a division of Equifax can help you: Improve campaign and website performance measurement with consumer financial capacity insights. Make instant, data-driven budget allocation decisions with campaign performance insights. Verify your actual audience to better understand what type of audience is viewing and responding to your online ads and website. Real-time, interactive dashboard allows easy "on-the-fly" report visualization, customization and exports.
AVM Insight Product Sheet
Manage your collateral risk with a market-leading AVM
Best Practices in Segmentation eBook
Applying segmentation best practices can drive improved marketing and sales performance, and operational efficiency, while also creating a better, more personalized customer experience across multiple channels and touchpoints.
Business to Business Digital Targeting Segments
The Business to Business Digital Targeting Segments enable marketers to improve targeting, increase response rates and reduce marketing costs while reaching desired target audiences online based on business attributes. These segments leverage attributes from the Equifax Commercial Marketing Database. The data comprises over 42 million business site locations. Independent studies confirm that 10% of these commercial records are unique to Equifax and concentrated in micro- to small-sized business.
Closed-Loop Attribution
Marketers need to connect their digital ad spend to their bottom line. Our proprietary Closed-Loop Attribution measurement solution allows marketers to measure – in a repeatable and turnkey manner – the impact that omni-channel campaigns have on company-specific metrics and revenue, whether the 'conversion' was done online or offline.
Commercial Insight Delinquency Score Product Sheet
Product Sheet detailing Commercial Insight Delinquency Score
Consumer Email Services
If your company is seeking email lists for prospecting campaigns or would like to enhance customer records with email addresses, then Equifax can help. With our email services, companies can better engage with key audiences and deliver relevant and personalized messages to prospects and customers.
Credit Card Digital Targeting Segments
Credit Card segments, built on a foundation of anonymous, aggregated credit information from Equifax, offer a means of marketing to consumer segments likely to have specific credit card propensities. Available to IXI Network members only.
CreditStyles Pro Product Sheet
CreditStyles Pro offers a suite of tools based on aggregated credit data that enables marketers and analysts to differentiate households based on their likely credit availability, needs, and usage.
Credit Trends SmartView Application
Our Credit Trends SmartView application (app), available through the Equifax Ignite™ Marketplace, can provide the insight and clarity you need by offering clear, concise data visualizations that are accessible anytime via your computer, tablet or smartphone.
Data-driven Marketing for Automotive
Optimize Spend by Targeting the Right Car Shoppers, at the Right Time with the Right Message
Digital Onboarding
With onboarding, marketers can reach their offline target audiences in the digital world. Onboarding enables marketers to convert their customer or prospect data in a secure environment to a digital format that can be used for online targeting.
Digital Segments for Auto
Auto Credit* segments, built on a foundation of anonymous, aggregated credit information from Equifax, offer a means of marketing to consumer segments likely to have specific auto credit propensities.
Digital Segments for Millennials
These segments are driven by our consumer segmentation system, which takes into account both projected interest and capacity to buy. The methodology differentiates consumers by industry-leading measures of household economics to derive unique buying capacity insights. By combining insights into estimated household income, spending and credit with demographics, buying behaviors and product preferences, these segments offer powerful tools for delivering the right message to the right audience.
Digital Targeting Segments for Communications
Telecommunications, Cable, and Wireless segments are based on the Economic Cohorts® consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with demographics, buying behaviors and product preferences.
Digital Targeting Segments for Retail
Retail segments are based on the Economic Cohorts consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with demographics, buying behaviors and product preferences.
Digital Targeting Segments for Sports
Sport segments are based on the Economic Cohorts® consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with likely demographics, buying behaviors and product preferences.
Digital Targeting Segments for Travel & Leisure
Travel, Entertainment, and Leisure segments are based on the Economic Cohorts® consumer segmentation system, and are built by combining insights about estimated household income, spending and credit with demographics, buying behaviors and product preferences.
Discretionary Spending Dollars - Digital Targeting Segments
Digital targeting solutions enable marketers to better deliver the right message to a desired target audience online based on consumers' likely interests and economic profiles.
DS$ Digital can target consumers based on their estimated household spending, after accounting for fixed expenses, organized in 9 differentiating ranges.
Digital targeting segments from Equifax are based on aggregated attributes at a geographic level and neither contain nor reveal any personally identifiable information.
Discretionary Spending Dollars HD
Discretionary Spending Dollars HD (DS$) is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. For organization addressing internal responsible banking concerns, DS$ HD provides robust discretionary spending capacity estimates at the household level without using protected-class demographics. DS$ can be used alone or incorporated into models and can help identify consumers with the estimated spending levels to afford products and services.
Discretionary Spending Dollars Product Sheet
Discretionary Spending Dollars (DS$) from IXI Services is a continuous household-based dollar value estimate of discretionary spending uncapped up to $1.2M. DS$ represents disposable income minus non-discretionary expenses. DS$ can be used alone or incorporated into models where consumer spending is a factor. It is best used to identify consumers with the estimated spending levels to afford various products and services and can be used in both offline and online applications.
Discretionary Spending Index Product Sheet
Discretionary Spending Index (DSI) from IXI Services is a continuous household-based score of 1 to 1000 that ranks households by likely spending capacity and spending behaviors. It enables marketers to rank customers and prospects by estimated spending power.
Economic Cohorts Product Sheet
Economic Cohorts incorporates the vital visibility into household economics that has been missing from consumer segmentation products until now. Economic Cohorts segments customer and prospects based on households' economic positions (estimated total income, ability to spend, ability to pay, and likely credit capacity), in combination with all the key demographic, lifecycle/lifestage, behavioral, lifestyle, and geographic attributes you expect from a leading consumer segmentation system.
Enhanced Email Append for Prescreen
Append emails to any Prescreen, house ITA or branding campaign lists. Leverage a triple-scrub process to ensure hygiene and guarantee 99% deliverability.
Equifax and Jack Henry Retail Banking Solution
Equifax and Jack Henry have joined forces to give financial institutions of all sizes a comprehensive solution to assess new deposit account risk and cross-sell opportunity at the time of new account origination.
Equifax and Retail Banking - Turning data into actionable insights
Our unique Decision360 approach is to integrate fragmented datasets and insights across channels, types, and platforms.
Equifax Ignite Direct
Equifax Ignite Direct combines data, technology and analytics in a research and development environment.
Equifax Ignite Marketplace
Equifax Ignite Marketplace, a collection of pre-built, configurable visualization applications, accelerates the sourcing and understanding of large amounts of industry-specific data to continuously optimize and inform intelligent business strategies.
Exchange Risk Score Product Sheet
Built from a database that includes more than 300 million non-financial tradelines and covers more than 171 million distinctive consumers, Exchange Risk Score provides unique and deep industry-specific payment data.
FICO Risk Score
In a major redevelopment of the FICO® Score using sophisticated modelling techniques to mine trends in recent consumer data, FICO Score 9 gives lenders the most predictive FICO Score to date, and minimizes operational hurdles associated with adoption and compliance. Among many modifications to its predictive characteristics, FICO Score 9 improves lenders' assessment of collection information as well as consumers with limited credit histories.
FICO Score XD
By offering a deeper layer of relevant financial insight, FICO® Score XD can help you pinpoint and target creditworthy prospects out of a previously untapped audience so you can securely grow your consumer portfolio
FirstSearch Product Sheet
Collect More Debt by Reaching Debtors First
Help Facilitate Compliance and Growth Demands with Insight Score for Retail Banking
To help you address CFPB expectations while also managing the risk associated with a more inclusive account opening policy, Equifax offers a robust alternative data solution known as Insight Score for Retail Banking.
Help small businesses clearly and easily understand their estimated value
Equifax Business Value Advisor™ is a robust online valuation tool, that can provide vital information to your prospects and customers about their small business, while also helping to identify high-potential sales opportunities within your client base.
Income360 - Digital Targeting Segments
Digital targeting solutions enable marketers to better deliver the right message to a desired target audience online based on consumers' likely interests and economic profiles.
Income360 Digital provides an estimate of consumers' total household income and estimates average household income in 11 ranges up to $250,000+.
Digital targeting segments from Equifax are based on aggregated attributes at a geographic level and neither contain nor reveal any personally identifiable information.
Income360 HD Product Sheet
Income360 Household Direct version is now available from IXI Services, a division of Equifax. Marketing campaigns can take advantage of household-level income estimates created without components that could create obstacles for internal compliance requirements.
Income360 Product Sheet
Income360 from IXI Services, a division of Equifax, is a continuous household-based dollar estimate of income uncapped up to $2.0 million based on both income from wages and income generated from investments. Income360 can be used alone or incorporated into models that include traditional income measures. It provides marketers and analysts with a more reliable estimate of income to improve performance for both direct marketing and online targeting campaigns.
InstaTouch ID Product Sheet
InstaTouch® ID uses Equifax and mobile carrier data to authenticate a consumer's identity. This allows for pre-population of consumer data during online checkout or form completion--providing a simpler, frictionless experience.
InstaTouch Pay Product Sheet
InstaTouch® Pay simplifies the tedious process of having to enter card information on devices and uses verified identity to present most current, reported credit card information as payment options.
InstaTouch Suite: From Friction To Flow
Don't just meet consumer expectations of seamless, omni-channel experiences—exceed them. Enhance offers and reduce friction with the Instatouch® Suite from Equifax.
Insurance - Digital Targeting Segments
Digital targeting solutions enable marketers to better deliver the right message to a desired target audience online based on consumers' likely interests and economic profiles.
Insurance Propensity Segments help marketers reach more qualified prospects based on specific likely insurance tendencies or characteristics.
Digital targeting segments from Equifax are based on aggregated attributes at a geographic level and neither contain nor reveal any personally identifiable information.
InterConnect is a flexible and secure cloud-based platform that converts complex inputs into actionable insights. It delivers streamlined access to diverse data sources, better attribute creation and deployment, easier rules management, stronger analytics and model integration to help you make more consistent decisions and get to market faster.
InterConnect Instant Prescreen
Cost-effective, quick-to-implement instant prescreen and cross-sell solution
Investment Propensity Digital Targeting Segments
Investment Propensity Digital Targeting Segments give firms the option of targeting households based on their likelihood to hold certain types of financial products. These segments are derived from a proprietary foundation of approximately $14 trillion in directly-measured, anonymous invested assets. The Direct version targets based on ZIP+4.
Lead Accelerator
Help verify and qualify leads that convert into sales quicker and more efficiently
Marketing List Services
Equifax partners with leading providers of consumer marketing lists to help you better reach your optimal prospects as well as to augment your company's existing customer database. Our list services enable marketers to access key variables for their prospecting and customer marketing efforts.
Marketing Solutions for Auto Product Sheet
IXI Services, a division of Equifax, offers a variety of products and services to assist Dealers and OEMs with their marketing efforts. Help fill your lead funnel, enhance CRM systems and predictive models to develop optimal shopper profiles and optimize your website with real-time insights.
Marketing Solutions for Energy Marketers
Energy companies' marketing teams can now gain insight on households' estimated financial capacity, demographics, understand website traffic, and utilize real-time tactical applications at the point-of-service to better understand and communicate with their customers.
Marketing Solutions for Insurance Providers
Acquire New Policy Holders and Identify High-potential Customers Marketers can now better identify and communicate with valuable customers that are likely to have the financial profile and behavioral characteristics to better qualify for insurance products and services
Marketing Solutions for Restaurants
Go beyond loyalty databases and surveys by linking transaction data with consumer marketing information to help develop guest profiles. Reach more high potential guests that may have the affinity for dining out at your brands with discretionary funds to spend more
Marketing Solutions for Retail
Retail marketers can now enhance segmentation efforts to better identify and communicate with valuable customers that are likely to have the financial and behavioral characteristics that match a retailer's brand, products, and services.
Marketing Solutions for the Communications Industry
Communications marketers want to consider new ways to use consumer insights and data to advance their efforts to acquire new customers, retain their best subscribers, and maximize lifetime value.
Marketing Solutions for Travel
Optimize marketing budgets by pursuing consumers more likely to have the financial capacity for travel and leisure activities, plus have the propensity for your brand, products, and services. Augment segmentation frameworks with estimated consumer financial attributesOptimize marketing budgets by pursuing consumers more likely to have the financial capacity for travel and leisure activities, plus have the propensity for your brand, products, and services. Augment segmentation frameworks with estimated consumer financial attributes
MarketVision for Securities
MarketVisionTM for Securities enables securities firms to determine their market size and share, find high growth areas, and identify consumer demand for any investment product and product category—all based on direct-measuredTM consumer financial assets. Exclusively for IXI Network members.
MLA Covered Borrower Status
MLA Covered Borrower Status returns an applicant's status, giving you the valuable,needed insight to which credit terms you must offer in order to help you quickly proceed with origination and maintain a "safe harbor" as stated in the MLA Final Rule.
Model Integration Tool
Model Integration Tool allows you to rapidly integrate, audit and deploy custom models and scorecards with simplicity—so you can productionalize your models faster.
Model Performance Monitoring Application
The Equifax Model Performance Monitoring application (app), available through the Equifax Ignite™ Marketplace, helps make it easier for you to manage ongoing regulatory requirements by providing data-driven illustrations around model performance that enable you to quickly visualize new and emerging model risk, so you can take faster action to update or revise those models.
Model Performance Validation Application
A prebuilt app within the Equifax Ignite™ Marketplace, the Model Performance Validation app enables you to immediately visualize and validate how your current risk models are performing against your portfolio, and then compare that to how alternative models might perform.
Mortgage Lead Generation Models
Acquire and retain more actionable customers with a mortgage lead generation model
Overview: PowerLead Suite
Get Qualified Leads and Sell More Cars with PowerLead Suite from Equifax
PhoneReveal can help enhance your current customer contact strategies by providing phone number type and validity, and identifying if your customer number is a mobile, landline or Voice over IP (VoIP) phone number.
PowerLead Check
Automotive service providers need a way to improve the lead generation solutions they provide dealerships, OEMs, and auto shopping sites.
PowerLead Check & Real Results
Start Moving Shoppers through the Buying Process
PowerLead Offer
Dealerships are looking for ways to accelerate the funding and delivery of vehicles. PowerLead Offer allows dealers to extend a firm offer of credit to consumers that are in their dealership.
PowerLead Qualify
What if there were a way to convert online shoppers into pre-qualified leads interested in a specific vehicle? Now you can! PowerLead Qualify™ facilitates the determination of an offer for an auto loan, including credit limit, interest rate and term.
Prequalification of One
Equifax offers a Prequalification of One solution that enables a consumer to easily determine their credit eligibility for offers, before a credit application is initiated.
Primary Impact - Make stronger promotions to the right prospects
Help grow your DDA portfolio and increase marketing ROI with a unique suite of models that enable greater precision when identifying household prospects best suited for your products.
Reporting Commercial Data
Best-in-class data security, governance and insights
Retail Banking Digital Targeting Segments
Retail Banking Propensity Targeting Segments give banks the option of targeting households based on their propensities to consume certain types of retail banking products and services. These segments are derived from a proprietary foundation of approximately $14 trillion in direct-measured, anonymous invested assets. Available to IXI Network members only.
Rules Editor
Rules Editor helps improve efficiencies and decreases costs by empowering business users integrated technology to easily create, test, and edit rule policies, without the reliance on I.T. resources.
Small Business Assets - Digital Targeting Segments
Digital targeting solutions enable marketers to better deliver the right message to a desired target audience online based on consumers' likely interests and economic profiles.
The Small Business Segments leverage attributes from BusinessClass™, Equifax Commercial Solutions' multi-sourced business marketing database, with over 18 million businesses, aggregated to the ZIP+4 level.
Digital targeting segments from Equifax neither contain nor reveal any personally identifiable information.
SmartReserve™, a robust data offering from Equifax, can help by providing financial institutions of all sizes with access to the historical data required to accurately forecast future losses and calculate the reserves required under the new CECL standard for future and current losses.
Solutions for Communications Industry Marketers
Expertise and proprietary data from Equifax allows communications marketers to better align marketing strategies to both sales and service, helping to improve campaign performance and grow stronger customer relationships.
Solutions for Credit Unions
Expand member relationships and grow revenue with market-specific solutions.
Solutions for Energy Industry Marketers
Expertise and proprietary data from Equifax allows energy marketers to better align marketing strategies to both sales and service, helping to improve campaign performance and grow stronger customer relationships.
The Foundation of IXI Data
Unique IXI Data Foundation: Direct-Measured Assets
Our exclusive network of 95+ leading financial institutions, directly measures about $16 trillion in anonymous U.S. consumer assets & investments, representing over 47% of all U.S. consumer invested assets. Our patented process collects & classifies anonymous consumer asset data, combines it with proprietary measures of income, discretionary spending, and credit, providing a more complete picture of households' financial and economic positions.
TotalView - One connection puts everything within reach
TotalView from Equifax is a streamlined, economical way to access a broader portfolio of Equifax data sources. Consume more data from a single source. Reduce the time, investment and complexity that was once a barrier to gathering deeper intelligence.
Transform Restaurant Marketing by Leveraging Transactional Data
Few restaurants leverage their wealth of transactional point-of-sale data to better understand their customers beyond their dining experience. With TokenIntel from Equifax, marketers can gain a broader understanding of their guests' estimated financial profiles, attitudes, and demographics, and can transform their data for omni-channel marketing. In addition, by using insights on guests' household locations, they can make more informed decisions about market potential for new site locations.
Trended Data Solutions
Equifax trended data solutions can help by giving you a deeper understanding of consumer financial behavior. Analyzing and trending financial data over a period of time can show you the trajectory of a consumer's spending and repayment behavior by revealing patterns, or trends, in the data.
VantageScore Product Sheet
Learn how VantageScore is setting a new standard for predictive performance and modeling innovation.
WealthComplete - Digital Targeting Segments
Digital targeting solutions enable marketers to better deliver the right message to desired target audiences online based on consumers' likely interests and economic profiles.
WealthComplete – Assets Digital and Deposits Digital help IXI Network Member Firms target consumers online based on an estimate of consumers' household-level total asset wealth.
These segments are based on aggregated attributes at a geographic level and neither contain nor reveal any personally identifiable information.
WealthComplete HD
WealthComplete Provides a Complete Picture of Assets for Every U.S. Household
WealthComplete® enables financial services firms to find the hidden potential among their customers. It provides estimates of total assets at the household level, so you can better measure customer growth potential and share of wallet.
WealthComplete also provides asset estimates for six product categories and sub-categories, so you can measure asset allocation and share of wallet by product category.
WealthComplete Product Sheet
WealthComplete Provides a Complete Picture of Assets for Every U.S. Household
WealthComplete® enables financial services firms to find the hidden potential among their customers. It provides estimates of total assets at the household level, so you can better measure customer growth potential and share of wallet.
WealthComplete also provides asset estimates for six product categories and sub-categories, so you can measure asset allocation and share of wallet by product category.
Comprehensive Data and Insights that Drive Smarter SMB Lending
Small businesses are the golden opportunity for commercial lenders. They represent almost all businesses in the American economy. To grow and thrive, small businesses need access to capital and resources to help sustain their operations and increase revenue.
Gauging U.S. Recession Risk
This white paper will walk through some of the concerns surrounding the timing of recessions, and what Equifax Credit Trends data might tell us about whether current conditions warrant worry.
How Equifax's Proprietary Valuation Methodology Leads to Accurate and Transparent Property Valuations
How To Become Your Customers' Favorite Bank (Even If You Can't Be Their Only One)
A commissioned study conducted by Forrester Consulting on behalf of Equifax | January 2019
Identifying High Spend Consumers with Trended Credit Data
A data-driven comparison study that reveals how trended credit data can help businesses drive stronger, more profitable marketing and sales strategies by more accurately targeting high-spend consumers in the market.
Identifying the Emerging Affluent to Start Lifelong Relationships - A Financial Marketer's Guide to Mass Affluent Millennials
A deep look at the Millennial generation and how its financial profile differs from prior generations, how different groups of Millennials differ from one another, and some of the best tactics financial marketers should employ for reaching this generation.
Increased Predictiveness of SMB Risk through Configured Data
This white paper will explain how the Commercial Financial Network (CFN), an ever-expanding network of data powered by the revolutionary technology and analytics of Equifax IgniteTM, can solve challenges for lenders.
Rethinking Risk
Five Barriers to Effective B2B Credit Risk Management — and How to Transcend Them
Scoring Credit Invisibles
Using machine learning techniques to score consumers with sparse credit histories
US Outbound Travel in 2016 - A White Paper
Travel marketers use segmentation & insights to better understand customer & prospect purchase history, location and lifestyle habits. Segmentation can assist in the identification of frequent US travelers and improve messages for more effective marketing programs.
ACE Loans Improves Lending Efficiency with Equifax BusinessConnect
With its strong reputation for supporting customers and the community, ACE Loans wanted an optimized process that enabled them to remain customer-focused and make smarter, faster point-of-sale decisions. The lender found what it needs in Equifax BusinessConnect.
Better Identify Consumers for Hospitality Offers
Enhancing existing segmentation systems with estimated consumer spending measures can help identify households that are more likely to have the financial ability to purchase travel and timeshare offerings and help improve campaign efficiency.
Brokerages Find Value in Low Potential Customers Using WealthComplete
Some brokerage customers hold relatively low balances which, coupled with limited upside potential, results in high service costs for minimal return for the firm. WealthComplete can help address this.
Captive Auto Lender Discovers Likely Financial Capacity of Consumers for New Electric Model
An auto manufacturer and its captive financing arm needed to provide insight to dealers on the target audience of a new model to ensure effective sales, particularly since the target audience was significantly different from the typical buyer of the brand.
Determining the Opportunity and Creating Client Treatment Groups - Best Practices for Banks
Banks need to be able to identify their ideal target audience for direct mail campaigns, yet they ousually only have a view of what their clients hold with them resulting in decreased efficiency and missed opportunities. Banks can utilize WealthComplete total assets estimates to identify, prioritize, and target high opportunity customers for cross-sell and up-sell campaigns.
Full-Spectrum Auto Lender at Application
See how an auto lender used Equifax Ignite Configurable Score - Auto
Growing Revenue by Aligning Customers with the Right Service Level Using WealthComplete
Today, many banks place customers into various service levels based on internal data or demographic data, which may provide an incomplete or inaccurate view of the customer and is particularly limited in describing customers' growth potential and asset allocation. This limited view results in lost opportunities and over-servicing.
How Cruise Marketers Can Better Identify High-Potential Audiences
Increase the efficiency of your campaigns! Cruise marketers can apply consumer spending measures to life-stage/income segmentation systems to better identify prospective and existing cruisers that are more likely to have the discretionary funds for premium offers.
How Retailers Can Better Identify High-Potential Prospects - Use Case
By using economic insights, retailers can better identify high-potential households who are likely to have purchase affinity. Retailers can use insights to better define audiences for marketing campaigns and help improve the efficiency of their marketing efforts.
How Retailers can use Consumer Spending Insights to Help Enhance their Loyalty Programs - Use Case
Retailers can score their customer files with IXI's estimated spending capacity measures to help better differentiate customers by their spending trajectories, quickly apply focused strategies to high-potential new customers, and adjust loyalty program members.
Leading Bank Enhances Prescreen Efficiency for Card Acquisition Campaigns
Prescreen list development was taking longer than desired due to manual processes that could not efficiently handle the sophisticated prospect selection criteria. This hampered the number of prescreen campaigns, and the quantity of prospects identified for firm offers of credit. Segment Manager, an online segmentation management tool, was able to rapidly handle its complex prescreen list selection criteria.
Leading Bank Leverages Financial-Based Digital Targeting to Power Deposit Growth Campaign
A leading bank traditionally relied on running campaigns on common financial sites and utilizing premium targeting options across portals. In an effort to increase initial deposit amounts and the long-term value of each conversion, the firm sought to gain more control over which online visitors were seeing its ads, improve the efficiency of its targeting buy, and increase the profitability of new customers. The firm turned to Financial Cohorts for segmentation and digital targeting segments.
Lennox Transforms Credit and Collections with Help of Dynamic Equifax Solution
Lennox needed a more consistent and connected process for reviewing and approving customers and recovering debt. The company achieved this and more with the help of a world-class credit management solution from Equifax.
Midwest Health Success Story
ACA Compliance on Autopilot
Mortgage Customer Retention & Recapture
Better Identify Borrowers That Are Likely to Prepay
Mortgage servicers and investors need new insights into which mortgages are more likely to prepay in order to support customer retention programs and enhance modeling accuracy. Mortgage executives can utilize Income360 household-level total income estimate to better understand borrowers' current financial capacity, and identify and segment loans that are more likely to prepay.
Quantifying the Opportunity and Creating Client Treatment Groups - Best Practices for Brokerage Firms
Brokerage firms and their financial advisors need to be able to understand the hidden asset potential within their client base. However, they often only have a view of what their clients hold with them, resulting in decreased efficiency and missed opportunities. Brokerage firms can utilize WealthComplete to quantify growth opportunity and help financial advisors prioritize their efforts.
Reaching Profitable Younger Prospects with Precise Segmentation and Targeting
Due to increased competition for deposits, many banks are focused on attracting new customers with the demographic and financial profiles most likely to develop into profitable, long-term relationships.
Reaching the Right Audience Online with Wealth-based Targeting
A leading financial services firm leveraged our wealth-based Digital Targeting Segments to improve its online targeting by serving ads to consumers that were likely to have the desired financial characteristics for its products and services, while maintaining consumer privacy.
South Carolina Federal Credit Union Enhances Targeted Marketing
South Carolina Federal Credit Union wanted to overcome the limits of traditional segmentation measures to better identify and market to a niche group of members that were not being adequately served within its target market and shift from a product-based to a needs-based approach for sales and marketing efforts.
Streamlined Monitoring Helps Mitigate Regulatory Risk
Our AML Compliance portfolio monitoring provides a streamlined, cost-effective process for monitoring client portfolios, while offering maximum data coverage.
Surpassing Online Cost per Acquisition (CPA) Goals with Financial and Economic-Based Audience Targeting
Gauging the success of current online campaigns by comparing them to the performance of past campaigns is not enough. Most campaigns have significant room to improve, whether measured via Cost per Acquisition (CPA), impressions, conversions, or other metrics. An Equifax customer decreased the CPA of its online ad campaign by using our digital financial and economic measures to better target qualified prospects.
Top 10 Bank Redefines Branch Goals Based on Market Opportunity with MarketMix
A leading U.S. bank needed to assess branch performance. They knew which branches had the highest Assets Under Management (AUM), but were unsure how those branches compared to competitive branches in the area. The bank also wanted to know which branches were underperforming relative to market opportunity. The firm used MarketMix to analyze branch performance.
Trended Credit Data Delivers Predictive Risk Insight to Help Proactively Protect Your Business
A national financial services company wanted to enhance their risk models to improve their ability to identify consumers who are more likely to default. They needed a solution to help better identify consumers that pose a possible default risk.
Trended credit data helps companies target the best consumers that will actively use their revolving cards
A credit card provider needed to better identify consumers who would be active on a revolving account in the next 12 months to improve targeting precision and appropriate marketing spend.
Trended Credit Data Helps Increase Marketing Profitability and Improve Targeting Precision
A national credit card provider wanted to increase acquisition profitability by improving the way they targeted active customers. They needed a solution to better target customers more likely to take positive action while delivering a better marketing ROI.
Trended Credit Data Helps Increase Revenue by Supporting More Precisely Targeted Balance Transfer Offers
A national credit card company wanted to increase revenue by targeting consumers who are more likely to transfer a balance greater than $500 over a 12-month timeframe. They needed a solution that could help precisely target the best candidates for balance transfer offer.
Trended credit data helps more precisely target consumers most likely to open a first mortgage
A national lender wanted to hone the focus of their marketing spend and better identify consumers likely to open a first mortgage in the next 12 months.
Trended Credit Data Helps Target High-Value Customers to Increase Revenue and Improve Marketing Success
A national bank wanted to build more market share and also proactively target consumers more likely to be high spenders in the next 12 months. They needed a solution to more accurately predict propensity to spend while creating profitable returns on marketing investment.
An FCRA Refresher for Compliant Cross Selling: Ensuring Permissible Purpose
Tammy Stacy, Deputy Chief Compliance Officer for Equifax, provides insight into the trends observed in CFPB-regulated financial institutions, recommendations around FCRA compliance, and the differences between cross-selling and prescreening.
Art of Engagement Using the Science of Numbers - Best Practices in Customer Engagement
Watch this on-demand webinar to learn best practices for Communications Service Provider marketers, including Best Practices in Customer Lifetime Value. Communications marketers can better leverage their wealth of in-house customer data by enhancing their Customer Lifetime Value (CLV) modeling for use in customer engagement marketing activities. Equifax can help clients take advantage of their customer data, enhanced with economic data, to create more comprehensive Customer Lifetime Value calculations and help augment their marketing program strategies.
Commercial Credit Trends Outlook Webinar from Equifax – Q1 2018
Equifax chief economist Amy Crews Cutts shares the latest commercial credit trends and outlines what changes she sees in store for the U.S. and economy and where she believes the economy is headed. She discusses recent commercial economic data, as well as new issues that are emerging on the economic landscape including changing interest rates, the Trump administration's priorities and global politics.
Enabling Easier Rules Management with InterConnect
Learn how InterConnect's Rules Editor defines, tests and optimizes business rules and lets users quickly modify or create new rules, develop test data sets for repeated use, and create a more bullet-proof business strategy.
How Alternative Data and Advanced Analytics Give Utilities A Competitive Edge
Utilities need more effective ways to assess how they serve consumers for bill payment, deposit strategies and processes. Learn how alternative data and advanced analytics can help utilities drive increased revenue and margins while reducing credit risk and loss rates
Ingredients for Restaurant Success - Better Leverage Data to Help Attract and Engage Valued Guests
Restaurant marketers attended "Ingredients for Restaurant Success" to better understand ways to leverage the wealth of their in-house POS data for marketing activities and enterprise-wide decisions. Equifax can help clients take advantage of their internal data, enhanced with economic data, to create a more comprehensive view of guests and inform better decision-making.
Military Lending Act -- Are you Ready
Speakers shared valuable insights about the Military Lending Act (MLA) background and the new requirements associated with the MLA Final Rule starting October 3, 2016.
Nebulous Digital Marketing Investment is Dead
Join Equifax as Mykolas Rambus, General Manager of Data-driven Marketing at Equifax, and guest speaker, Shar VanBoskirk, Principal Analyst at Forrester for an eye-opening webinar, Nebulous Digital Marketing Investment is Dead, where you'll hear why and how financial services brands are shifting their digital focus from quantity toward quality as they seek to connect with higher-potential, lower-risk audiences across their digital channels.
PODCAST: Customer Lifetime Value Best Practices for Communications Marketers
This podcast discusses CLV and Customer Equity. Better leverage in-house customer data by enhancing Customer Lifetime Value (CLV) modeling for use in customer engagement marketing activities.
Equifax can help clients take advantage of their internal data, enhanced with economic data, to create a more comprehensive view of guests and inform better decision-making.
Q1 2017 U.S. Economic and Credit Trends Outlook from Equifax
Make more informed decisions with economic and consumer credit insights from Equifax
Q1 2018 U.S. Economic and Credit Trends Outlook from Equifax
The webinar will discuss overall trends in consumer credit, as well as brief deep dives into HELOC, mortgage, auto, card and general consumer finance. An additional special report will take a deeper dive into current vintages to assess payment performance and defaults for key tradelines.
Q2 2017 U.S. Economic and Credit Trends Outlook by Equifax
Chief Economist Amy Crews Cutts delivers insights that can help drive strategic growth at your organization. During this webinar, Amy will discuss:
- U.S. Economic Overview
- U.S. Consumer Credit Trends
- Special Report: Recession Outlook
Whether you lead Credit Risk, Corporate Risk, Strategy & Planning, or Marketing, you will gain valuable economic and consumer credit insights to help drive strategic growth.
Q2 2018 U.S. Economic and Credit Trends Outlook from Equifax
Join Equifax as chief economist Amy Crews Cutts, with guest Cristian deRitis from Moody's Analytics, deliver insights that can help drive strategic growth at your organization.
Q3 2017 U.S. Economic and Credit Trends Webinar
Make more informed decisions with economic and consumer credit insights from Equifax
Q3 2018 U.S. Economic and Credit Trends Outlook from Equifax
Join Equifax as deputy chief economist Gunnar Blix delivers insights that can help drive strategic growth at your organization.
Q4 2017 U.S. Economic and Credit Trend Webinar
This webinar will highlight overall trends in consumer credit, as well as brief deep dives into HELOC, mortgage, auto, card and general consumer finance.
Q4 2018 U.S. Economic and Credit Trends Outlook from Equifax
During this webinar, Amy Crews Cutts, Senior Vice President and Chief Economist at Equifax and guest Cristian deRitis, Senior Director from Moody's Analytics discuss the latest trends impacting the U.S. economy and consumer credit.
Reaching for Retail Nirvana - Better Leverage Data To Identify And Engage Your Valuable Shoppers
This webinar discusses ways that retailer marketers can work towards a "retail nirvana" – defined here as improved customer engagement through a 360-degree view of their customers and prospects. Many Equifax clients have used syndicated segmentation frameworks to leverage in-house and third-party data and help implement best practices, overcome departmental silos and better utilize their internal data.
Scoring More Consumers with VantageScore 4.0
This webinar, held on May 3, 2018, co-hosted by Equifax and VantageScore, covered new innovations for scoring more consumers with the latest advancements such as trended data and machine learning techniques.
Webinar on Demand - CECL: Putting the Puzzle Together
The biggest change EVER to bank accounting is coming. Now is the time to prepare for the new CECL standard.
A Guide To Better Digital Advertising Through Data
Tactics, tools and real-life brand case studies that show advertisers how they can use additional data sources to help improve their online advertising campaigns.
Aligning Sales, Credit, and Collections for Maximum Efficiency and Speed to Revenue
BusinessConnect™ Offers a Unified Customer Lifecycle Management Solution for Organizations
Business to Business Digital Targeting Segment Details
The Business to Business Digital Targeting Segments enable marketers to improve targeting, increase response rates and reduce marketing costs while reaching desired target audiences online based on business attributes. These segments leverage attributes from the Equifax Commercial Marketing Database. The data comprises over 42 million business site locations. Independent studies confirm that 10% of these commercial records are unique to Equifax and concentrated in micro- to small-sized business.
eBook: Develop a Winning CECL Strategy: 3 Tips for Success
This eBook provides actionable insights and tips to help you gain confidence in your CECL plan and develop a winning strategy.
Equifax Q&A with Forrester
Find out what Maxi Schmidt-Subramanian, Principal Analyst with Forrester Research, says about the impact of digital transformation on customer experience (CX).
Forget Everything You Thought You Knew About Big Data and Analytics: Part One
Think differently. Be different. There is a paradigm shift happening: the market needs more tailored data solutions that don't take months to deliver. You need a solution that can meet market demand through a frictionless process that reduces building, testing and deployment from months to days. Different is the new paradigm. Read Part 1 of the eBook.
InterConnect - a Product Review from Decision Management Solutions
Equifax InterConnect is a secure, cloud-based decision management platform for defining and executing decision policies at the front line. It provides a streamlined technology platform for developing powerful decisioning strategies based on easy accessibility to robust data and transparency in consumer acquisition.
Overview: Data-driven Marketing Solutions
Marketing Precision To Drive Maximum Customer Value. That's Data-driven Marketing.
Sealing the Deal: A Dealer's Guide to Knowing Your Buyers Better To Sell More Cars
We get it. You need to get shoppers into your dealership and into the right vehicle — as quickly and easily as possible. That's where Equifax comes in.
Straight Talk from the Next Generation of Credit Card Customers
The eBook, Straight Talk from the Next Generation of Credit Card Customers, discusses what Millennials want, don't want and the number one reason they'll pick your card over others.
Testimonial: See Why a Ford Dealer in Indiana uses Income Verifications
Learn how Automated Income Check from Equifax can help verify employment status and income.
The Evolution of Commercial Credit Decisioning
An Analysis of How Decisioning Methods Have Changed Over Time
The Pursuit of Profitability
The Pursuit of Profitability takes a look at the Great Recession, discusses the path of economic recovery, and presents changing financial behaviors that emerged post-recession. The eBook shares practices to help win Affluent and Mass Affluent households.
Trended Credit Data Attributes in VantageScore 4.0
Learn about the integration of trended data into VantageScore's 4.0 model design and its impact on performance.
Using Trended Data to Better Understand Customer Behaviors
The ability to effectively target offers and foster loyalty is contingent on successfully predicting consumer behavior and spend. Trended, historical, longitudinal or time-series data is an invaluable tool for gaining practical perspective into consumer behavior.
VantageScore – 2017 Market Study Report
This market study provides the results of the primary research showing VantageScore's usage across the entire lifecycle of consumer lending except mortgage originations.
VantageScore 4.0 Overview Brochure
VantageScore 4.0, the fourth-generation tri-bureau credit scoring model from VantageScore Solutions, sets a new standard for predictive performance and modeling innovation, pioneering several industry "firsts" that benefit lenders and consumers alike.


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On 8 November, as the electoral map turned increasingly red and Donald Trump emerged as the newly-elected President of the United States, a CNN political commentator asked on air how he could continue to raise his children correctly.
"You tell your kids, 'Don't be a bully,'" said Van Jones in a now viral video. "You tell your kids, 'Don't be a bigot'. You tell your kids, 'Do your homework and be prepared'. Then you have this outcome."
He's right, and his concern is probably shared by millions of parents across the world.
But this shameful election result is also a chance to teach children – and adults – the following political lessons: question authority; do not blindly trust people in power nor their supposed 'merits'; remember that governments can be headed by demagogues who were elected through lies and bigotry instead of reason, facts and virtue.
In other words, never take any rights or freedoms for granted.
In the same way George W. Bush's war crimes and disdain for human rights shaped the political consciousness of a generation, the presidency of Donald Trump will be an opportunity for those who oppose him to come together and engage in a new struggle.
We are already witnessing signs of it: anti-Trump protests are erupting in several cities across the United States; millions of people are rejecting Trump's sexist and racist views on- and offline; media outlets are rethinking their coverage; calls for a more equal and tolerant society are gaining new ground.
Whilst it is essential to understand the failure of liberals to effectively counter the fear-mongering rhetoric of Donald Trump, it is vital to draw a clear distinction between his supporters – who largely voted for Trump to reject an establishment that failed them and because the Democratic party offered no real alternative – and the administration that will soon rule Washington.
In all fairness, some of Trump's proposals on political reform are interesting and could strike a blow at the collusion between politics and the private sector, such as "a constitutional amendment to impose term limits on all members of Congress" or "a five-year ban on White House and Congressional officials becoming lobbyists after they leave government service."
But these measures are overshadowed by many other ideas of Trump – repeated time and again during the campaign – on migration, ethnic minorities and Islam, which are akin in every way to that of the European far-right. And Europeans know from their history that you don't compromise with the far-right. You fight it.
Across Europe, politicians like Trump are growing in popularity and feel emboldened by his election. It's quite telling that amongst the first politicians to congratulate Trump on his election were Marine Le Pen of the Front National in France (who is running for president in the country's elections next May) and anti-Islam Dutch politician Geert Wilders (who is also facing elections in March).
Israeli Prime Minister Benjamin Netanyahu, Russian President Vladimir Putin and the American white nationalist and former Imperial Wizard of the Ku Klux Klan David Duke similarly praised Trump's victory.
In the days that followed the elections, much was said about the need for a "smooth transition" and about how Trump will surely soften his position once he's in the Oval Office. This type of wishful thinking is dangerous. It emphasises a naive trust in government and conceals the plain hard truth: Donald Trump's views are an assault on all social progress made in the last 50 years. They are an attack on tolerance and decency. And they must be challenged in every newsroom, every campus, every factory and office, every city hall and every street across America.
Even if Trump manages to implement half of what he promised, here's what to expect from his presidency: Obamacare will be seriously amended or dismantled, Guantanamo will remain open and probably expanded, dissent will be increasingly criminalised through tougher law and order measures, millions of undocumented migrants will be expelled, inequality between the rich and the poor will continue to rise, corporations will go even more unchecked, militarisation will expand (Trump wants to "rebuild our depleted military"), societal issues will leap 30 years backwards with conservative Supreme Court nominations and any chance at saving the planet will be lost forever as Trump promises to "cancel billions in payments to U.N. climate change programs."
Disenfranchised workers in abandoned industrial heartlands who backed Trump in this election should not expect any major improvement of their situation. Hundreds of economists unanimously called Trump a "dangerous, destructive choice for the country" and the billionaire mogul is no ally of the working-class. The fact that he managed to convince his supporters otherwise is truly mindboggling.
He inherited millions from his father, dodged millions more in taxes, bankrupted several businesses and has a history of anti-unionism. He is also a walking cliché of the 'fame and fortune' culture that presents capitalism as the epitome of the American dream.
Trump will be ruling unimpeded. Congress is predominantly held by like-minded Republicans who have repeatedly shown that they will support Trump no matter the depths of his depravity and the danger he poses for the Republic they have sworn to defend.
They stood by him when he mocked the disabled or when he called for a ban on Muslims entering the country; they remained silent when he called Mexicans "rapists" and advocated building a wall between the US and Mexico; they showed no emotion when he promoted the use of torture and they cowardly looked away when he bragged about grabbing women by "the pussy". No hope can come from them.
Little can be expected from the current Democratic leadership as well. Hillary Clinton was never the right candidate. She embodied the establishment when people were crying out for something else. Someone who voted for the war in Iraq, cheated to defeat Bernie Sanders, defended the use of the death penalty, barely supported a minimum wage increase and told Wall Street it should self-regulate had no chance in winning over the destitute workers, the young, the minorities, the marginalised, the progressives and the undecided voters in the way Obama did.
The Democrats, overall, have largely failed to offer an alternative model of society based on social justice and equality. By continuously embracing neoliberalism and shoving this failed economic model down workers' throats, they largely contributed to Trump's victory. Their defeat is a chance to renew the party and, as Bernie Sanders puts it, "break loose from its corporate establishment ties and, once again, become a grassroots party of working people, the elderly and the poor."
Although the next four years are going to hurt, all hope is not lost. Americans are never as strong as when they are cornered and when the odds seem overwhelmingly against progress. From the founding of the Republic to the abolition of slavery to the civil rights movement, US history is replete with examples.
In a way, the fact that Trump personifies so much of what is wrong with the United States makes him an easy target. Too often, when politicians believed to be progressive rule government, the guard goes down. This was also the case under Barack Obama, who faced less criticism from the left or the liberal press than a Republican would have for his drone strikes in the Middle East, his promotion of free trade agreements, his treatment of whistle-blowers or the surveillance programs of his administration.
Now is a good time to start paying really close attention. This is not a moment to be afraid of Trump or let his prejudiced ideas suddenly become acceptable just because he's president.
The majority of Americans did not vote for him and they should never forget that. Nor should they doubt their capability to organise creatively in order to overcome differences rather than surrender to the attempts by the likes of Donald Trump to exploit fears and divide the nation further.
They have proved it before. They can prove it again. Let's hope we all learn this lesson.

subset: commoncrawl


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Day 1 - Wearing my Cord Beignet, while Tilda plays with the belt of my skirt.
Day 2 - Socks in Kaffe Fassett self-striping sock yarn
Day 3 - Sencha Blouse in Charity Shop Fabric, paired with Monsoon skirt, Clarks shoes and vintage watch/necklace
I love that sencha blouse. its so pretty. i like the way you posed for the picture with your socks lol.ReplyDelete
You've made a good start, loving the Tilda action in the pics! :)ReplyDelete
NIce Beignet and Sencha. I'm bracing myself for wearing my Sencha, it's the high neck that puts me off! xReplyDelete


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Women's Empowerment Initiative – Available Now!
This is your invitation to a year that will change your life.
The Women's Empowerment Initiative is an online, self-paced course designed to empower you to live at your fullest potential. Over the course of one year, you will receive a series of workshops, a Guidebook, yoga practice opportunities, and a community of support, giving you the tools to create the life you've always wanted. If you are looking to uncover your true purpose, improve your relationships, become completely comfortable in your own skin, and join a community of women making the world a better place, then this is the course for you.
What you'll get:
- 54 Workshops with Leading Experts
We have gathered a group of 14 women – authors, doctors, entrepreneurs, therapists, CEOs, a film producer, and more – to offer you profound insight into their lives and their own personal and professional wisdom. Over the course of one year, you will receive 54 online workshops, each one ranging from 20-30 minutes. Workshops will be available in both video and audio format, giving you the freedom to integrate them into your life in whichever way fits best with your lifestyle.
- The Women's Empowerment Initiative Guidebook
More than just a workbook, your Guidebook will take you on an inspiring, personal tour through each monthly topic. It is full of creativity exercises, challenges, assessment tools, and resources that will enable you to apply the content from each month's workshops to your own life. Watch your Guidebook morph from a framework into your own unique story of beautiful transformation.
- Over 24 Yoga and Meditation Practice Opportunities
This course also gives you the opportunity to cultivate or refine a steady yoga and meditation practice with the support of monthly yoga and yoga nidra guided meditations.
- A Community of Support
You will be invited to join our private, exclusive Facebook group, where you will able to connect with presenters and other course participants, giving you the opportunity to share in your year-long journey with others.
Course Content:
|Establishing Your Foundation
Quarter 1
|Cultivating A Healthy Community
Quarter 2
|Month 1
|Spiritual Practice
Explore the essential elements of your spiritual
practice to stay healthy, calm, grounded, and inspired.
|Family Relationships
Use a deeper understanding of your family
history to chart a path forward.
|Month 2
|Core Values & Success
Define your core values as you explore
what authentic success means to you.
|Partnership & Romance
Build partnership that grows mutual love, self worth, respect, intimacy, joy, and deep connection.
|Month 3
|Transformation & Resiliency
Learn to transform challenge into strength, find
meaning in adversity, and improve resiliency.
Energize your commitment to nutrition and self
care, nourishing yourself and your community.
|Empowering Your Purpose
Quarter 3
|Living Your Highest Potential
Quarter 4
|Month 7
Explore how your financial security and decision
making can bring stability and freedom to your life.
|Month 10
Unlock creative potential and weave
creative inspiration throughout all parts of life.
|Month 8
|Career & Dharma
Learn powerful ways to thrive in your
life's work and achieve your dreams.
|Month 11
|Personal Evolution
Super-charge your potential by becoming a lifelong
learner and expanding out of your comfort zone.
|Month 9
|Community & Global Change
Discover how to create real and lasting change
in your community and in the world.
|Month 12
|Your Best Self
Celebrate growth and connection to live
the fullest expression of your authentic self.
The course will launch in January 2018. After this January launch, you can begin it at any time and work through the program at a self-directed pace. Every three months, you will receive an email from us with access to that quarter's workshops and Guidebook. The workshops for each monthly topic will go live on the first of each month. We have designed the course to be manageable, delivering the content in inspiring, bite-sized pieces that can be easily watched or listened to on your morning commute, on a lunch break, or when you tuck into bed at night.
To register for the Women's Empowerment Initiative, visit https://yogainternational.com/ecourse/womens-empowerment-initiative/
April 7-12, 2018 iRest Yoga Nidra Bahamas https://www.sivanandabahamas.org
Learn and experience how yoga, breathing, and iRest Yoga Nidra guided meditation can transform traumatic experiences into deep opportunities for growth and exploration. This immersion is for both survivors of trauma and teachers wishing to learn more about the effective use of yoga and meditation for trauma including research behind why yoga and meditation are effective tools for healing trauma and the empowering philosophy of Post Traumatic Growth.
Registration Information
The course tuition (listed above) is for the whole program. Your accommodation rate includes meals, Satsangs, and Hatha yoga classes which are offered daily.
Program Schedule
2:00pm Check-in
4:00pm Hatha Yoga Class
6:00pm Dinner
8:00pm Satsang*
10:30pm Lights Out
5:30am Wake Up Bell
6:00am Satsang* or Silent Walk
8:00am Post-Traumatic Growth Hatha Yoga Class
10:00am Brunch
10:45am Karma Yoga
12:00pm Optional Activity or Free Time (Coaching Class, Walk or Other Activity)
1:00pm Workshop
4:00pm Hatha Yoga Class
6:00pm Dinner
8:00pm Satsang*
10:30pm Lights Out
5:30am Wake Up Bell
6:00am Satsang* or Silent Walk
8:00am Post-Traumatic Growth Hatha Yoga Class
10:00am Brunch
10:45am Karma Yoga
12:00pm Room Check-Out & Workshop
* Satsang – 30-minute silent meditation, kirtan/chanting, spiritual lecture.
Daily activity schedule, and/or possible changes, will be announced at morning Satsang.
Arrival & Departure Information
• Friday – 2:00pm
• Sunday – 12:00pm (room checkout)
To learn more, see the schedule and to register, please visit the website: https://sivanandayogaranch.org/event/post-traumatic-growth-immersion-weekend/
This training will allow you to incorporate the simple 10-step iRest protocol into your personal life, professional teaching or clinical practice. Developed over 30 years by Richard Miller PhD, iRest Yoga Nidra meditation supports psychological, physical and spiritual health, healing and awakening.
In this Level 1 Training, you will learn:
The core principles and practice of iRest meditation.
How to use iRest for your personal practice.
How to teach and deliver iRest simply yet effectively in group and individual settings.
Following the Level 1 Training, you will:
Join a global community of teachers teaching iRest in yoga studios, sleep clinics, rehabilitation and healthcare facilities, hospice, prisons, universities, schools, as well as in private practice.
Be able to list yourself on the IRI website as a Level 1 Teacher in Training.
Be able to access our "Teacher Resources" and our "Teachers Community Network" for further personal and professional support.Be recommended by IRI to people seeking iRest teachers in their local area.
September 25-30, 2018
Tuesday: 4:30-5:30 pm Registration
5:30-6:00 pm Dinner, 6:30-9:00pm Program
Wednesday – Saturday: 8:30 am-6:00 pm Program
Lunch 12:30-2:00 pm
Sunday: 9:00 am -12:30 pm Program
Concludes with lunch
REQUIRED reading and listening:
Richard Miller, Yoga Nidra: A Meditative Practice for Deep Relaxation and Healing
RECOMMENDED reading and listening:
The iRest Program for Healing PTSD: A Proven-Effective Approach to Using Yoga Nidra
Integrative Restoration—iRest: The Principles and Practice of Yoga Nidra
iRest at Ease with Richard Miller
iRest at Ease with Kelly Boys
Resting in Stillness
Read an article by Samantha Kinkaid about Level I and II iRest Yoga Nidra trainings here
Read an article by Gemma Adams (co-founder Veterans Restorative Project) about the iRest Yoga Nidra Certification Program here.
iRest Yoga Nidra has been developed over the past thirty years by Richard Miller, PhD, a clinical psychologist, author, researcher and yogic scholar, and is uniquely suitable for a Western audience. Extensive research has shown that iRest effectively supports the healing process across a broad range of populations. Currently, there are iRest programs in military hospitals across the U.S., as well as in correctional facilities, hospices, clinics, schools, and organizations supporting personal growth and well-being. In June of 2010, iRest was endorsed by the US Army Surgeon General and Defense Centers of Excellence as a complementary and alternative medicine (CAM).
To register for this course, please visit the Guiding Wellness Institute website.
Friday, November 2, 2018;
Registration 5PM-6PM / Class – 6PM-8:30PM
Saturday, November 3, 2018 – Class 8:15AM-6PM
Sunday, November 4, 2018 – Class 8:30AM-6PM
Monday, November 5, 2018 – Class 8:30AM-6PM
Tuesday, November 6, 2018 – Class 8:30AM-6PM
Tuition: $1495 Earlybird/ $1595 Regular
(Includes a comprehensive manual and a level 1 training audio download.)
In this Level 1 Training, you will learn:
The core principles and practice of iRest meditation.
How to use iRest for your personal practice.
How to teach and deliver iRest simply yet effectively in group and individual settings.
Following the Level 1 Training, you will:
Join a global community of teachers teaching iRest in yoga studios, sleep clinics, rehabilitation and healthcare facilities, hospice, prisons, universities, schools, as well as in private practice.
Be able to list yourself on the IRI website as a Level 1 Teacher in Training.
Be able to access our "Teacher Resources" and our "Teachers Community Network" for further personal and professional support.
Be recommended by IRI to people seeking iRest teachers in their local area.
PLEASE NOTE: In order to receive a certificate of attendance designating you as a Level I Teacher-in-Training you must arrive on time every day and attend all training sessions.
The iRest Level I Training introduces you to the historical context and path of meditation in which iRest is embedded and provides you with an:
- Understanding of Eastern and Western psycho-spiritual perspectives that form the path of meditation and iRest.
- Understanding of the evidence-based research showing the efficacy of iRest and its use with different psycho-physical issues and populations.
- Understanding of iRest within the context of meditation.
- Understanding of the teacher-student relationship, teaching issues and ethical considerations.
- Teaches you the Ten Steps of iRest.
- Introduces and teaches you to use iRest for your personal practice.
- Teaches you how to teach iRest to groups and individuals in order to provide simple yet highly effective delivery of iRest in group and individual settings.
- Provides you the opportunity to participate in group lectures and peer discussion groups.
- Provides you the opportunity to receive and participate in multiple iRest experiential group and one-on-one practice sessions.
Level I iRest Attendees are eligible to:
- Use the designation "Teacher-in-Training Level I" in advertising and promotional materials, and when delivering iRest in public and professional settings. Those not intending to continue to Certification, may describe their teaching as "influenced by the iRest protocol and the teachings of Richard Miller and the Integrative Restoration Institute."
- Be listed on the IRI website as a having attended the Integrative Restoration Institute's iRest Level I Training.
- Post your personal profile on the IRI website, listing yourself as "Attended Level I iRest Training." This posting will allow people who are seeking iRest group or individual sessions in their local area to find your name and view your qualifications as a provider of these sessions.
- Audit Level I Trainings at reduced rates.
- Utilize private mentoring from IRI Certified Mentors (additional fees apply).
- Access the valuable "iRest Teacher's Resource Webpage" to download iRest teaching materials and professionally designed promotional brochures, flyers, and more!
- Join the iRest "Teacher's Community Network" (TCN) (additional fees apply).
Click here to visit the Guiding Wellness Website to register and learn more.


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Love it or hate it, it's ART...
Celebrating the amusing, curious, eccentric, eclectic, exotic, fantastical, quaint, unusual & whimsical.
Tuesday, August 14, 2012
Wordless Wednesday... Double Take
Posted by autena at 9:00 PM
Labels: 2012, art project, Copenhagen, red pigeon
6 comments:
- WolvesAtTheDoor said...
Ah, I love it all! My iPhone can pretty much do ANYthing with a photo and I say if you can't beat 'em join 'em!! Hope you are really well!
- August 15, 2012 at 6:44 AM
- ArtMuseDog and Carol said...
Very creative ~ love the pigeons ~ great shot ~ (A Creative Harbor)
- August 15, 2012 at 12:10 PM
- Abi said...
That is SO interesting! Thanks for the link to the art project- I was really curious and now I know!
- August 15, 2012 at 3:25 PM
- Annmarie Pipa said...
love it!
- August 15, 2012 at 9:39 PM
- Judy Haughton-James said...
Wow! I love this! So beautiful. I am a big bird enthusiast.
- August 15, 2012 at 9:49 PM
- Kristin Aquariann said...
Pretty! I wonder how much of a fight the birds put up while getting dyed.
♥ aquariann
Featured Photo: Black-eyed Susans
- August 16, 2012 at 2:54 PM
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