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  1. 3 likes
    I was not intending it to be negative, but a true enlightening of the need to incorporate ET into my workday. Also an awareness of the lack of knowledge on the importance of ET in the training and schooling I have been to. I already know, not only do I plan on reading this whole book, but will most likely read it a few times. I have also already recommended this book because of this enlightening experience so far.
  2. 2 likes
    Employees often have the right tools in place, but lack the confidence and the skills to move forward. For me empowerment means believing in your employees and providing the skill sets they need to help them in their endeavors. There has been several occasions where I had individuals who were ready for the next step in their career, but they lacked the confidence to act upon it.I help coach them, develop them, and I encourage them to expand their knowledge and skills so that they can better themselves in the log run.
  3. 2 likes
    (Going to sound a little harsh more because of language, not tone) C'mon. Are you serious??? Do you think baby boomers are not into technology? First off the range is big so you have approx 53+-year-olds onward. Do they use credit cards easily, do they like their 60" TV with remote control (I was my dad's remote control for years!!!)...play their favorite HBO/Netflix series, to they go to 3D films, enjoy cars with...radios, power windows, brakes, their new furnaces with digital thermostats, garage door openers, etc. Baby boomers like a lot of technology. What they don't like is navigating FI tools which are often counter-intuitive, require an understanding of framework mapping to get along, don't always work on all platforms, and on and on. My point is, is it them or is it YOU! My dad once said of his talking GPS, "I'm not sure if I like her or your mom more?" Meaning the GPS never talked back and he loved it. He also never liked working with computers or new cell phones. The reasons are not that he didn't like them it's because this generation grew up with *.* (for those of you that don't know what that means, it means you're not in touch with the generation) and the challenges associated with the computer evolution. Challenges such as working on something for days and then it disappearing, purchasing a cell phone for $2600 and the first-month bill being $700 because you paid for both way communication. Maybe they need a different type of side by side, value deliverable, new set of experiences to make them believers. As for Millennials. I'm still shocked with this terminology. It's all wrong. All previous generation had a date specific tied to philosophical, cultural definition. If you closed your eyes and heard the definition for you might consider that many people you know of all generations are also millennials. One can be a Baby Boomer AND a Millennial?? How can that be? It can be because one is a set of characteristics and lifestyle that's no descript in a definitive way. WIKIPEDIA Millennials (also known as Generation Y) are the demographic cohort following Generation X. There are no precise dates for when this cohort starts or ends. Demographers and researchers typically use the early 1980s as starting birth years and the mid-1990s to early 2000s as ending birth years. Millennials, who are generally the children of baby boomers and older Gen X adults, are sometimes referred to as "Echo Boomers" due to a major surge in birth rates in the 1980s and 1990s. The 20th-century trend toward smaller families in developed countries continued, however, so the relative impact of the "baby boom echo" was generally less pronounced than the original post–World War II boom. Millennial characteristics vary by region, depending on social and economic conditions. However, the generation is generally marked by an increased use and familiarity with communications, media, and digital technologies. In most parts of the world, their upbringing was marked by an increase in a liberal approach to politics and economics; the effects of this environment are disputed. The Great Recession has had a major impact on this generation because it has caused historically high levels of unemployment among young people, and has led to speculation about possible long-term economic and social damage to this generation. Baby boomers are the demographic cohort following the Silent Generation. There are no precise dates when the cohort birth years start and end. Typically, they range from the early-to-mid 1940s and end from 1960 to 1964. Increased birth rates were observed during the post–World War II baby boom, making the baby boomers a relatively large demographic cohort. The term "baby boomer" is also used in a cultural context, so it is difficult to achieve broad consensus of a precise date definition. Different people, organizations, and scholars have varying opinions on who is a baby boomer, both technically and culturally. Ascribing universal attributes to such a generation is difficult, and some believe it is inherently impossible, but many have attempted to determine their cultural similarities and historical impact, and the term has thus gained widespread popular usage. NOW...take what you've learned in Paid to THINK and think dimensionally? What is the CU's Desired Outcomes, is the GPP functioning, do you account for the cultural disparity, do you sell well............ THINK HARD.
  4. 2 likes
    Cyclonic Thinking Time is a great concept that I would of never put thought into. I like the idea of having time to generate ideas and options. I know that I want to adapt this to my lifestyle it will benefit in all aspects of my life. I want to make improved and confident decisions for the organization. Desire outcome gives us a clarity on our starting reference for a strategy. As a team we may never agree on an actual term for our end result and I never imagined having so many terms with different meanings. The example thread gives us an actual picture on what a desire outcome is. It is crazy I do have the first week in July off aka VACATION. Perfect timing my desire outcome is family time. It is amazing and so true how our minds wants to take over and start acting. Chapter three is fully loaded with steroids so much valuable information that I will have to re visit again to fully intake the nutrients that it has to offer.
  5. 2 likes
    Before reading about micromanagement in chapter two, I also thought micromanaging was a negative thing. I always saw micromanaging as someone telling me exactly what to do every step of the way, never leaving my side, and not allowing me to do my job. I never looked at micromanaging as a set of rules/guidelines that force you to do things a certain way. Driving was a great example of how micromanaging is a great thing. When I read that example, all I could think was, "WOW." If we could come up with a set of systems and guidelines at the credit union that get the same results as roads and traffic laws, we could get so much more accomplished. I definitely think differently about micromanaging, and am eager to come up with systems and guidelines to make everyone's life easier at my credit union.
  6. 2 likes
    I agree with we HAVE to force ourselves out of the just doing. Any business that does not change and progress will die. This is not unique but life of business. We have to change the way we think about our credits unions, communities, cities and world. Yes its going to be hard, but from what I have read so far, David has many tools to make this easier. I am trying remind myself that even adding 10 minutes each day of strategically thinking is steps in right direction. I have found in the last month, as I have been reading this book, that I spend evening hours thinking of ways to implement these tools in my job and my employees jobs.
  7. 2 likes
    Ahhhhh.....did you address this from the negative. What if, the thinking translated to needing fewer team members to do the same or even better job and with less heartache. For example, everyone in our organization can look up the first interactions with Janine, what day, where they emails or calls, what was talked about, etc. FYI it was August 9, 2005 at 12:35 PM EST and this is just one of our approx 537 interactions (It's impossible to keep track of every thing and yet we're pretty good). We cut and paste whataspp and messenger dialogs. We have over 25328 names in our database, our filing systems across all the businesses we own are the same structure. We also use year-month-day 17-06-16 to file a document. Mind you this is just in one area of our operations. The thinking created the system that empowers the people. You'll learn GPP soon. My point, we need 50% or less people than most of the organizations I know in the same space AND I personally sleep like a baby knowing that we don't have to remember all this information. Thinking makes time, frees up resources, minimizes redos, helps retain employees, etc. One lost employee can be 50, 60, 70 hours of a headache. Just think about it.
  8. 1 like
    I especially liked this section of the chapter but would like to take it a step further. Not only do I want to see the big picture, I would like to have the 50,000 ft. perspective from other credit unions looking in on our credit union. If another credit union were looking in on us what would they see? What are they doing that we're not and vice versa. Where are we succeeding and where could we use some improvement? I think a lot could be learned and that's why forums, conferences, round tables are so important. Thank you for the opportunity to participate in this forum.
  9. 1 like
    Tashara, recommend you visit with the two gents from BluCurrent in the 3rd year class. Yes, Craig Tabor's credit union. They hold resume workshops at the credit union. As a leader, Craig wants his team to be the best they can be - whatever and wherever that may be.
  10. 1 like
    In this day and time being globally aware is critical to an organization's existence and longevity. I think about Millennials and how important technology has become to their generation. In my own financial industry research, I've found that Millennials are more likely to move their accounts to a different FI if they feel the technology is better. If there is an app for it, they want it. As organizations, we must realize who our target audience is and who we are seeking to reach. Before too long, the Baby Boomers will have all gone to be with the Lord leaving the Millennials, their offspring, behind to carry on their legacy. Think about it, they are indeed our future and if we don't grasp this concept, we are in for a rude awakening. I am not saying that we throw everyone else to the wolves, I'm just saying that we should be aware our society, our culture and our organization as a whole. Here is a fun fact that I found on Wikipedia: Millennial characteristics vary by region, depending on social and economic conditions. However, the generation is generally marked by an increased use and familiarity with communications, media, and digital technologies. This last sentence is says it all.
  11. 1 like
    I really liked this chapter. It reminded me of something I heard Darren Hardy say. He talked about not providing any answers when he was asked questions. He said he would respond with, "what do you think, what do you suggest?" He also followed it up with, "why do you think that?" He goes on to say that he not only wanted to evolve their answers, but to evolve their thinking. This chapter speaks to me and I am eager to learn more. I find myself from day to day asking my agents if they have done the research, or if they have you used the tools that have been provided. I am guilty of holding their hand because it is easier sometimes to provide the quick answer. This is a disservice to their growth and I am working on fixing it. I'd like for them to come to me with the issue and the resolution. I want them to feel like they have the authority to make a decision that will be beneficial to our members and also to their own personal growth. I want to equip my team with the tools they need and we often have a good start, but then, it dwindles away to the land of the lost. I am looking forward to creating a plan that gives them the tools they need to help them work efficiently and also feel empowered because of the knowledge they have gained. I'm ready!
  12. 1 like
    Ouch! I do the same I rather do it for them and you are correct it is a disadvantage for my team.
  13. 1 like
    One aspect of global awareness that truly hits home for me is people and culture and languages and all those differences that exist therein. Our membership base is heavily weighted in the Hispanic community, many of whom speak predominantly Spanish. Being aware of that has allowed us to broaden our perspectives and hire more bilingual front line representatives. This allows us to better serve our members, make them feel more welcome and appreciated and it also breaks down the inevitable communication barriers that would otherwise exist and potentially hinder progress for the credit union.
  14. 1 like
    I agree that capturing the Millenials is important and that in this day and age, technology rules. People, millenials in particular, want convenience and ease of access, If your organization doesn't have or isn't prepared or willing to implement the proper technology, you are at risk of losing a significant segment of the market.
  15. 1 like
    The QR code conversation made me think of when we were upgrading our online banking website. Marketing had codes everywhere, even on t-shirts that we wore with jeans on Friday. What was great is that the you could actually scan the code and it took you directly to the marketing site with the information we needed members to see. Great idea! I am a sucker for technology and can't wait to learn more! I think I can use this QR code idea with my youth group......my wheels are turning!
  16. 1 like
    Tying this in to Chapter 13...maybe it is just a matter of finding a way to sell baby boomers the technology! Show them "what's in it for them".
  17. 1 like
    I love the way this chapter started out. I do have a 16 year old son who has currently started driving, and is enrolled in an online drivers course, which we're not completely finished with yet. Having the right tools and training will help him grow, learn, and have the responsibilities he will need into the future. This same concept is the same throughout any of our jobs. I take pride in my job and try my best to make sure we have everyone in the right places on the bus. I agree with the 80/20 Principle because without the Systems and Structures we wouldn't be empowering our people to help us achieve our Desired Outcome.
  18. 1 like
    The 80/20 rule really strikes me. While developing your people is important, having the systems in place is crucial. Sometimes, I think credit unions focus so much on cultivating the people that we forget the efficacy of our systems. We talk about superior customer service, but are the teller computers working fast enough to carry out transactions quickly and accurately? We discuss training, but have we invested in the resources to train on multiple levels? We must "build the package." Then, there are no excuses.
  19. 1 like
    "Make sure everyone 'sees' the same organizational structure." Example: How many times has your senior management team differed in philosophies, and they confuse the employees? Sometimes, there is a struggle between operational and outreach. You need both. A credit union can run beautifully but if no one knows, a well-oiled machine serves no purpose. Having varying philosophies can murder morale.
  20. 1 like
    I just read an article in the New Yorker that I was reminded of while reading Chapter 7 (acquiring awareness and knowledge). The article was about Jill Abramson, the new Executive Editor of the New York Times. In the book, there is an example of the executive that had a misconception about his operation that just walking around the plant floor would have remedied. On her fist day, Ms. Abramson walked the newsroom floor to "get to know her space and staff". She does it a few times a week, and it makes her a better leader. Not only does it give her face time with her employees, but she learns what the changes that she implements to the Systems and Structure play out on the floor. By doing this she moves up her "time spent" triangle from Awareness to Knowledge more quickly and because she has so much "useable information" (from her walkabouts) she can more quickly narrow it down to get real Knowledge from it.
  21. 1 like
    Tashara, don't write off the boomers too soon. I'm at the tail end with what I believe are several great years ahead. Each market segment - age, gender, ethnic, income - is something to consider as we seek to grow and serve our communities.
  22. 1 like
    I always try my best to stay positive, (but we all know it can be a little tough sometimes), for any changes that may occur so they aren't perceived as a negative change. Easier said than done...yes, but we can all be cheerleaders. Being that cheerleader for your employees will boost the morale and create a better atmosphere.
  23. 1 like
    I agree Erayne I often say "hold please." My Team knows that usually means let's revisit this tomorrow or the next day. I use folders as well and mine is for "Daily Follow Up." I find that it is helpful not only for me, but for my Team as well. So when we do come together the next day, we have a fresh perspective and can see things we may not have the day before.
  24. 1 like
    I have worked with people that react to what other FI campaigns and they want us to rush into action. After we rush into action we later discover that we have to pull the plug on the project we did not think it through, cost, time and energy spent gave us nothing. With the Economic Thinking process I feel that it will allow me to be a leader that thinks and does not jump into action too quickly. The words below will be a good guide in future projects. "The better able a leader is to think through an idea before committing to action, the greater the chances an organization has to achieve higher returns, all while mitigating risk and reducing expenses"
  25. 1 like
    At first I felt a little intimidated by this chapter, but as I pushed through and really took hold of what David is saying I can definitely take the tools he is giving us and work toward being a better supervisor/management which in turn will help me to reach my Desired Outcome.
  26. 1 like
    I too like the 50,000 ft perspective and agree not everyone's perspective will be the same and this is ok because that's what keeps us going. Having other Credit Unions to ask questions to and bounce things off of is a blessing. People helping people, this motto is so true, we live it everyday.
  27. 1 like
    I hadn't thought about the economics of thinking and true cost involved with not spending those extra moments thinking and planning a new project. Its true we are taught if aren't physically doing something we aren't working. Even reading can be thought of as non important. Research, is also, to be kept at a minimum to keep up with the ever changing world. But if we jump on an outgoing fade it could be very costly, with that extra research and thinking though could have prevented the major loss. I know now, I have to find more time to be able to use Enterprise Thinking in my job. Reading just the first part of this book has already opened a whole world or thinking. The hardest part I have with this is our number of employees is few so after normal day to day operation there is little time left for thinking and planning.
  28. 1 like
    Although, I am not a CEO I certainly agree. I find myself on many a days feeling absolutely exhausted by the mental tornados I survive day in and day out. I find myself having to make a very intentional effort to focus on one thought/idea at a time. I feel a sense of accomplishment when i can see one idea/concept through to completion, even if it's just a minor thought, idea or aspect of my task at hand.
  29. 1 like
    While reading the first chapter I thought about the twelve (literally) projects sitting on my desk that are in various stages of completion - everything from actually writing a strategic plan to preaparing the organization to offer home equity loans again. Then I came to the sentence, "there exists twelve universal activities that all leaders perform on a daily basis." My first thought: that's a little oversimplified, isn't it? Flipping the page I saw the four categories, the activities, and the funnel. And then I had to laugh, especially about the funnel. Every day my thoughts jump randomly from category to category, leaving me feeling as if I've survived a mental tornado at the end of the day. (As an aside, the mental exhaustion that comes from these daily mental tornados was the thing for which I was most unprepared when I became a CEO). In MBA school you are taught analysis, the actions to take to accurately define a problem, how to develop a strategy, how to implement tactics to deliver results, and how to measure results to define success or failure. But you're not taught these activities have as structure. I think ET will add value by providing a structure for thinking that will expedite completion of key projects. Probably gonna have to read the whole book now! And it's a whopper.
  30. 1 like
    I'm putting cyclonic thinking to work right now. Our employees are required to have eight hours of community service. For years now, we have been redefining what community service means. We'd like it to mean a strategic approach to executing credit union-inspired events that increase brand awareness but also nurture the communities we serve. Therefore, while we may partner with the community food bank and help stock shelves, we ask that they help promote the credit union. Basically, community service should be community relations (which includes business development). Our marketing team is putting together a recommendation for HR, and I think applying the cyclonic thinking model will help with our planning.
  31. 1 like
    Love your idea on "Marinate" I think I will use your folder method thanks for sharing!
  32. 1 like
    This is golden. Love that this recommendation is in black and white. I always feel guilty when I spend time "thinking" and putting plans together. At may credit union, being "busy" is often perceived to be of the most value. We reward people that get the job done, which is important; however, we lose the strategic thinkers and visionaries. Is this true at other credit unions?
  33. 1 like
    "Accompanying their troops onto the battlefield and guiding..." This statement resonated with me. I have a someone on my team that I cannot get to understand that in order to motivate others to work with you, you must work alongside them. It's about building trust. My mother always taught me that you don't ask anyone anything that you wouldn't do yourself, and it has proven very effective. This skillset is so vital because in marketing, we have large responsibilities but no one directly reports to us. The question becomes: how do you motivate people to act when they don't report to you? How do you get them to care? I've spent ten years observing behaviors, always emphasizing relevance and connecting the dots. Oh my goodness. Love this: "The pendulum has swung too far in the any one direction; the mindset of leaders being in ivory towers and managers working the front lines needs to change if we want to make our organizations stronger and more effective." I'm going to do better! I knew that as a director, but it is equally, if not more important, as a vice president.
  34. 1 like
    The book is not only lengthy but I found it to be a difficult read with the number of concepts, graphs, and cyclones (yes, you read that right). Sounds to me that you may need a Project Manager but if that's not possible I would highly recommend Chapter 3, more specifically the section about Projects and Managing Priorities. It has a lot of tools, practical tools one can implement.
  35. 1 like
    Melissa, I agree, what would we see if we stepped out and up to 50,000ft? Would we see other credit unions trying to learn from our credit union or vice versa? In our credit union world, credit unions work together to help each other. So our bigger picture is way different then banks or other industries.