Articles Tagged with 'rates'

Living With Narrow Net Interest Margins

February 16, 2012
In the past, most CUs could generate sufficient net interest to cover operating expenses. For most of us, this is no longer true. READ MORE

Artificial Intelligence Is Better Than None

January 24, 2012
Economists predict housing sales will be flat, small-business optimism will remain low, and jobs will be scarcer than a rotary phone. READ MORE

ALM Helps CUs Tough It Out

June 02, 2011
ALM involves constant planning for possible future scenarios. READ MORE

Managing Your Crop of Loans

November 01, 2010

Position your credit union to withstand increased dividend costs when rates rise.

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Competitive Intelligence Provider Aids CUs Decision-Making

September 02, 2010
Informa Research Services will provide credit unions with rate intelligence and mystery shopping services through a new alliance with CUNA Strategic Services. READ MORE

Credit Cards More Transparent, Yet Problems Remain

July 23, 2010
Most of the practices deemed unfair or deceptive by the Federal Reserve have disappeared from new credit card offers since federal passage of the Credit CARD Act last year, according to a new report by the Pew Health Group's Safe Credit Cards Project. Yet new trends have emerged that could cost cardholders significantly. READ MORE

Excess Liquidity: What To Do?

July 09, 2010
Credit unions should prepare for an extended deposit-rich, low-rate, low-credit-demand environment for the next 12 to 24 months. READ MORE

Bank Economists Predict Moderate, Sustained Recovery

June 30, 2010

The economy is on a moderate but solid recovery path and sustainable private sector job growth has returned this year.

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Great article! Unfortunately, most employees don’t feel valued or appreciated by their supervisors or employers. In fact, research has shown that the predominant reason team members quit their jobs is because they don’t feel valued. This is in spite of the fact that employee recognition programs have proliferated in the workplace – over 90% of all organizations in the U.S. has some form of employee recognition activities in place. But most employee recognition programs are viewed with skepticism and cynicism – because they aren’t viewed as being genuine in their communication of appreciation. Getting the “employee of the month” award, receiving a certificate of recognition, or a “Way to go, team!” email just don’t get the job done. How do you communicate authentic appreciation? We have found people have different ways that they want to be shown appreciation, and if you don’t communicate in the language of appreciation important to them, you essentially “miss the mark”. Additionally, employees need to receive recognition more than once a year at their performance review. Otherwise, they view the praise as “going through the motions”. A third component of authentic appreciation is that the communication has to be about them personally – not the department, not their group, but something they did. Finally, they have to believe that you mean what you say. How you treat them has to match the words you use. If you are not sure how your team members want to be shown appreciation, the Motivating By Appreciation Inventory (www.appreciationatwork.com/assess) will identify the language of appreciation and specific actions preferred by each employee. You then can create a group profile for your team, so everyone knows how to encourage one another. Remember, employees want to know that they are valued for what they contribute to the success of the organization. And communicating authentic appreciation in the ways they desire it can make the difference between keeping your quality team members or having a negative work environment that everyone wants to leave. Paul White, Ph.D., is the co-author of The 5 Languages of Appreciation in the Workplace with Dr. Gary Chapman.

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