Articles Tagged with 'card'

CARD Act Holds Down Rates and Fees

July 21, 2011
Consumers are seeing fewer late fees, eradication of over-limit penalties, and minimal changes to annual fees since the CARD Act's passage. READ MORE

Act Now on Interchange Issue

May 02, 2011
Don't wait for the Fed's final interchange rule or for legislation delaying its implementation to determine how to recoup millions in lost debit interchange income. READ MORE

Compliance Trouble Spots Could be Behind You

March 08, 2011
If you don’t conduct a compliance review, you could quickly be out of compliance. READ MORE

Credit Card Debt Grows for First Time in 27 Months

February 08, 2011
Card balances grew in December for the first time since August 2008. READ MORE

Compliance Q&A: Open-End Loans

December 03, 2010
What's the rule for mailing statements on open-end loans without grace periods? READ MORE

Fed Provides CARD Act Clarification

November 24, 2010
The Fed recently provided another proposal related to the CARD Act. But this one is actually helpful. READ MORE

Fed Proposes Reg Z Amendments

October 21, 2010
The proposal would clarify portions of the Federal Reserve's final rules implementing the Credit Card Accountability Responsibility and Disclosure Act of 2009, which was enacted in May 2009. READ MORE

CARD Act Compliance: The Final Stage

October 10, 2010
The third phase of the Fed's implementation of the CARD Act. READ MORE

Credit Cards: Keep a Lid on Losses

October 01, 2010
Pay attention to your products, the market, and regulations to maintain high credit quality. READ MORE

Compliance Q&A: Online Credit Card Apps

August 02, 2010
Can a credit union take online and telephone credit card applications from applicants under age 21? READ MORE

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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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