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Articles by Lora Bray
Lollipops, Dog Biscuits, and the Evolving Branch
Back in the day, everyone was happy visiting the branch—‘even the dog left the CU with his tail wagging.’
June 10, 2014
Expect the traditional branch to shift to assisted self-service.
Our Employment Situation: What Is America Singing?
The employment picture is improving overall, but it remains fuzzy for young workers.
June 9, 2014
‘Job prospects for young high school and college graduates remain dim.’
Housing: Residence or Investment?
Home prices have been rising for 28 consecutive months.
June 1, 2014
Americans favor real estate as the best long-term investment.
Bridge the Trust Gap
How does your CU instill and maintain consumer trust?
May 19, 2014
Converting disengaged customers into fully engaged customers could open up billions in deposits and investable assets.
Digital Disruption: Bust or Blockbuster?
Transforming member relationships can be both good—and risky.
May 13, 2014
The digital transformation is changing how financial institutions interact and serve consumers.
Student Loan Debt Inhibits American Dream for Many
Pursuit of the American Dream—and higher education—often carries a big price tag.
May 12, 2014
Student debt prevents many young adults from achieving financial goals, such as buying homes.
Help Members Conquer Their Financial Fears
Inertia keeps many people from moving their money to more affordable providers.
April 28, 2014
Retirement remains Americans’ top financial worry.
Help Kids Brush Up on Finances
When young people know the financial planning drill, they make better choices.
April 21, 2014
Tooth Fairy offers chance to teach children about smart money habits.
Your Job Is a Work of Art
Effective leaders challenge the status quo.
April 19, 2014
‘Curiosity serves as a trigger for innovation and invention.’
Can Consumers Trust Their Retirement Intuition?
Too many consumers leave retirement planning to chance.
April 14, 2014
Confidence in retirement security grows among those with financial plans.
Credit Union Magazine
September 2014 digital edition
Leadership Q&A: Brandon Michaels
Set Up New Hires for Success: Seven Steps
Guide Members to Financial Health
Transforming the Branch Manager
Make Your Advertising Count
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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