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league women voters
credit risk management
Articles by Lora Bray
Get Your Kicks
Build a solid team with people who fit your company culture.
November 3, 2013
‘Talent wins games, but teamwork and intelligence win championships.’
Don’t Get Caught By Surprise
Research shows how to scare off competitors and learn the technological tricks that treat your members.
October 21, 2013
Surprises can be good or bad.
Look at lifestyle trends of the aging to help members be financially fit for retirement.
October 18, 2013
Doing nothing is a choice, but one that often leads to disappointing results.
Taking the Leap
Consider how your CU can help members find happy financial landings.
October 2, 2013
‘The line between failure and success is so fine that we scarcely know when we pass it.’
What’s the Point?
CUs can erase some of the challenges business members face.
September 23, 2013
How can your CU help business members succeed?
That Daring Young Man on the Flying Trapeze
Both consumers and lenders must prepare for economic flips and turns, and have safety nets in place.
September 16, 2013
‘Risk comes from not knowing what you’re doing.’
Finding Hidden Treasures
Both jobs and volunteer opportunities are valuable commodities.
September 13, 2013
‘Individual unemployment is the strongest predictor of default.’
Times of Plenty
Gardeners and consumers alike must preserve and protect their returns.
September 9, 2013
How might your CU help members grow and keep their harvest?
A Fair Analogy
Be the most learned of the fair, most fair of the learned
August 19, 2013
We all have the responsibility to know what our function is, and to do it well
Where Does the Time Go?
Members need CUs’ help with retirement planning.
August 13, 2013
There’s a collective retirement gap among working households that ranges from $6.8 to $14 trillion depending on the financial measure.
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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