Items Tagged with 'bankruptcy'

ARTICLES

Compliance Q&A: Adverse Action Notifications

Must a credit union’s adverse action notification list all of the reasons for denying a loan application?
February 19, 2013
Also, answers to questions about the Fair Credit Reporting Act and Office of Foreign Assets Control.
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Student Loans Show Potential

Private student loans have suffered a black eye in recent years as 'bad actors.'
January 1, 2013
Student loans offer opportunities for income and provide an affordable way for members to send their children to college.
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The Dream Job

‘Luck is a matter of preparation meeting opportunity.’
November 12, 2012
We may not find immediate gratification as we walk our career paths, but it’s important to set goals and fuel our passions as we go.
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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?
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Lora's Research Roundup

Rich in Thanks

Research reveals consumer plans for holiday spending and disparities in household income.
November 21, 2011
Despite pervasive economic unpleasantness, we still have much to be thankful for this holiday week.
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Higher Education, Income No Guarantee Against Bankruptcy

Consumer bankruptcy filings among college educated, high-income earners is on the rise.
September 30, 2011
Institute for Financial Literacy releases annual consumer bankruptcy report... plus more research findings.
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Consumer Bankruptcy Filings Grow 9% in 2010

Expect filings to increase during 2011.
January 21, 2011

Bankruptcy filings have increased each year since the Bankruptcy Abuse Prevention and Consumer Prevention Act was enacted in 2005.


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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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