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Articles by Lora Bray
The Tiny Little Voice
Intuition isn’t always accurate, but it bears consideration.
October 1, 2012
How often does acumen help us make good business decisions for our members and coworkers?
Did You Hear That?
‘You earn when you listen—not just money, but respect.’
September 24, 2012
Listen to and learn from your members, co-workers, and the communities you serve.
‘Help! I Need Some Money, Honey!’
How can CUs help members make prudent financial plans?
September 18, 2012
Consider the financial assumptions members make and potential perils they may encounter.
Technology at Warp Speed
Embracing new technology involves risk—but so does the avoidance of new tools.
September 10, 2012
Acquiring new technology raises challenges for both consumers and service providers.
What, Me Worry?
‘You can’t wring your hands and roll up your sleeves at the same time.’
September 10, 2012
National Preparedness Month reminds us to anticipate and prepare for potential problems.
Think about how your leadership role in charitable community events can start a mud slide.
August 27, 2012
What has your CU done lately to show the community you care?
‘Drop That GPS and See Where Life Takes You!’
How we respond to the unexpected can make for interesting journeys rich in opportunity.
August 27, 2012
Flexibility is essential not only in daily life but in meeting the needs of our jobs and members.
Lean on Me
More consumers need a hand surviving the recession and preparing for retirement.
August 20, 2012
Do your members lean on you with their personal finance issues, financial literacy concerns, and other needs?
The Trouble with Enigmas
Don’t assume members will figure out the CU difference on their own.
August 13, 2012
Consumers don’t have the time or inclination to solve riddles, decipher cryptic messages, or unwrap enigmas.
Librarian in a Hard Hat
Hat’s off to those who proactively address research challenges.
August 1, 2012
This week’s Research Roundup examines student loans, a possible mortgage crisis for older Americans, and more.
Credit Union Magazine
August 2014 digital edition
Guide Members to Financial Health
Defining the Social Media ROI Debate
You Can't Freeze Out CU Folks From a Good Fundraiser
Synergy Separates Great Boards from Good Boards
Transforming the Branch Manager
While I thought that the premise of the article was good, I found one point very disturbing. It is that the Visions FCU ages people off their board at age 70. I found that really offensive. It perpetuates what I believe to be the regrettable marginalization of elders in our society, and the often erroneous assumption of debility and decline after a certain chronological age. Lots of folks over 70 are leading dynamic and viable professional lives and contributing to our society. How about Warren Buffet, a number of Supreme Court Justices, Jimmy Carter, the late Nelson Mandela and the late Maya Angelou, to name but a few, along with scads of writers, academics, performers, artists, and often our friends, neighbors and colleagues. If Visions wants new people on their board, it seems as though the term limitations and a nominating committee can accomplish that without aging all people off at age 70. I think that’s so insulting. And if those were paid employment, it would be illegal. I do wish you’d have picked a different credit union to profile---one that perhaps does many of the same things, without the arbitrary age exclusion. There have to be others out there.
David, good point about the "recovering comfortably" comment. That was an editorial addition--which I'll remove.
Many good points but too rosy? Will the "Federal Reserve raise short-term interest rates 1% per year for the next three years, starting in 2015—“probably next year at this time” ? I have heard from other economist that the US government will go bankrupt if that happens due to the QE the fed has done for several years. Also it seems an exaggeration to say “We survived a heart attack,now the economy is recovering comfortably." Comfortably recovering is too ignore the economic stress that many members still live with daily that will eventually affect many credit unions.
Karan, Great article and insight. I would also recommend that you start getting those credit cards into the hands of the youth BEFORE they are in college. One of the best ways to reach this young generation is through mom and dad. Before the student goes to college, get them started with a credit card (even if mom and dad are joint on it). It's never too early to start marketing credit cards. Mark
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