New Year’s resolutions: 4 bad habits that really aren’t

first_imgThere are thousands of articles out there on good habits you should cultivate and bad habits you should avoid. This article is neither of those. Instead, we’re going to look at allegedly bad habits that I believe every success-minded individual should actively cultivate.ProcrastinationNever put off until tomorrow what you can do today. How many times have you heard that one? I say phooey! Procrastination is the biggest time-saver you can possibly employ.Think about it. The world is moving faster and faster, which means things are changing faster and faster. If you finish a project a month ahead of time, I guarantee something will change in those next 30 days that will force you to go back and redo some of your work. What a waste of time!If you wait until the very last minute, you’re assured of having the absolute most current information at your fingertips. You’ll never waste another second making changes to your work because the world around you changed.Working for FreeYears ago, I attended a seminar presented by an extremely successful and well-known copywriter. His top tip: Never, ever work for free, because working for free diminishes the value of what you do. That just may be the worst advice I ever got.In the ensuing years, I’ve worked for free many, many times. Sometimes it was for a charitable cause I believed in. Sometimes it was for a friend who needed the help. Sometimes it was for a good organization that just didn’t have the money to spend.Don’t be greedy. I’ve always believed that if you focus on doing the right thing, the money will take care of itself. So far, I’ve never been proven wrong.Making Decisions Before You Get Buy-InThere’s a time to discuss. There’s a time to debate. And as Nike is so fond of reminding us, there’s a time to just do it. When that time comes, you’d damned better just do it.You’ve heard that saying: It’s easier to ask for forgiveness than ask for permission. Maybe you think that’s funny. I think it’s brilliant. Many decisions are time-sensitive. Wait too long trying to make everybody happy and the opportunity will pass. If you believe in your decision, put your money where your mouth is. As long as you’re good at what you do, it’ll pay off more often than not.Of course, you need a thick skin, because there will be an occasional backfire.Not Sticking to Your GoalsDon’t get me wrong. Goals are important – as long as they remain flexible. The problem is that some people become so myopically, rigidly focused on achieving a particular goal, they ignore new opportunities that present themselves.A goal is something you create based on a snapshot of the world as it exists at that particular moment. However, as we discussed earlier, the world is always changing. New opportunities always arise. You need to be ready, willing and able to modify your goals – or scrap them entirely – as circumstances change.As we head into the new year, don’t be in a such a hurry to swear off your bad habits. They may serve you better than you think. 65SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John San Filippo John is the co-founder of OmniChannel Communications, Inc., a company that specializes in B2B marketing to community financial institutions. He started out in the savings and loan industry, but wisely … Web: Detailslast_img read more

Meeting members where they are

first_img(1 &2, 5) Coronavirus Financial Health Pulse Survey Webinar Presented by J.D.Power (1) 03.24.20(3) Kelton “Covid-19 Consumer Pulse #1”(4) Kantar US Monitor – Spotlight Impact of COVID-19 on Diverse Segments 04.16.20(6) Pew Research – Fact Tank –  People financially affected by COVID-19 outbreak are experiencing more psychological distress than others.  By Scott Keeter(7) Kantar US Monitor Survey – COVID-19 March 17-20 Based on this data, pause ask yourself: Who is benefiting and who is burdened by the decisions we make during this time? How can we provide solutions to those who are most impacted?Long-term impact: Consumers are not only feeling short term impacts, but they are also concerned about the long term. In fact, a majority (56 percent) of consumers believe the crisis will have a long-term negative effect on the quality of their lives​. (5)Based on this data, ask yourself: How can you continually be there for members and provide tools and resources as the environment continues to evolve?Mental health: For some people, this change has taken a psychological and physical toll​. Nearly one-in-five U.S. adults (18 percent) say they have had a physical reaction​ and that COVID-19 could lead to an epidemic of clinical depression​.  Younger consumers are more concerned about loneliness and their mental health​. (6)​Based on this data, ask yourself: How are you connecting those you serve with resources? Do your own employees have the resources they need?Optimism Shines ThroughIn the midst of uncertainty, 66 percent of consumers say they are optimistic, confident, and resilient. Despite their struggles and stresses, they approach life with optimism. Even when times are tough, they are grateful and hopeful. ​(7)A conversation CUNA Mutual Group held in its TruStage Online Customer Community in late 2019 reinforced this sentiment.  When members talk about their relationship with their credit union, members believe credit unions care for them as individuals and offer support in both good and bad times.Consumers expect credit unions and other companies to be by their side, ensuring transparency about available support and solutions. Being there for your members starts by demonstrating an understanding of their situation and how they are feeling, and then delivering an empathic experience that provides comfort, confidence and security to ease their stress, making it easier for them to make good decisions, and by being a go-to resource that helps reinforce optimism for the future. Based on this data, ask yourself: What can your CU do to help your members reduce their stress during this time?  What tools and resources can you provide? Do your members have access to staff to answer questions? Disparate impact: We know existing disparities are amplified by this crisis and communities of color are disproportionately suffering, both in terms of health and financial impact. (4)Hispanics and African Americans are more likely than other segments of the U.S. population to be essential workers who must directly fight the effects of the pandemic. More African Americans and Hispanics view the virus as a threat to their own personal health, with more of these two groups using protective items such as face masks and gloves.​Approximately half of Hispanics say they or someone in their household has taken a pay cut or lost a job – or both – because of the COVID-19 outbreak, compared with 33 percent of all U.S. adults. This is due in part to their overrepresentation in occupations that have seen cuts. As I sit on my porch enjoying some sunshine this afternoon, I would normally say “what a wonderful day, and all is well in the world.” But when I face the reality of the impacts of COVID-19, myself in isolation, it does not feel like a wonderful day. I worry about my aging parents; I wonder about my grandparents and the risks they face just going to the grocery store; and I think about the uncertainty I am living with every day.As I process the many emotions that surface through this pandemic, I know I am not the only one doing so. The consumers we serve, our credit union members, are also experiencing this flood of emotions.They think of family and friends and hope they stay healthy. They might feel a sense of guilt if they are still able to work remotely, while their neighbor is furloughed, or had their job eliminated.They might worry about their favorite restaurant down the street or many other small business owners that they love and depend on. Small business owners and those who were thriving in the gig economy wonder if it’s all now come to a harrowing halt.Although many are feeling a large amount of stress and anxiety, there is also a sense of collective experience – that we’re all in this together. As we grapple with the ever-changing nature of the pandemic and the roller-coaster of information, it’s important that we pause and do our best to understand how consumer sentiment is also evolving. Doing so will help us best serve the members who need us more now than ever.Based on recent data, here’s what we know about consumer sentiment today.Stress: Prior to the pandemic, middle-income consumers were already financially stretched and feeling emotionally stretched as well. Now, stress is amplified with the uncertainty of the crisis. Consider these latest figures:As of mid-March, over 80 percent of Americans were feeling stressed financially. Ninety percent were concerned the pandemic will hurt their personal financial situation. (1)A similar number (92 percent) were concerned COVID-19 will spread in their community. This number increased rapidly during the early weeks of the pandemic. (2)Women are more likely than men to feel anxious, worry about friends and family, and be concerned about the health of their family. ​(3) 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Natalie Crain  ​​Natalie Crain is Vice President for Consumer and Market Insights at CUNA Mutual Group. Web: Detailslast_img read more

James tops IMCA Modified opener at Cottage Grove

first_imgBricen James won the season-opening IMCA Modified feature Saturday at Cottage Grove Speed­way. (Photo by Tina Gargurevich, Wings Off Photography)By Ben DeatherageCOTTAGE GROVE, Ore. (March 31) – Six months ago, Bricen James’ future in racing was an unknown.Saturday night, he stood in victory lane after winning the season-opening IMCA Modified feature at Cottage Grove Speedway.Craig Hanson was quick out of the gate and stayed in the lead until Collen Winebarger got past on lap four. Winebarger remained out in front for some time before he bicycled in turns one and two, allowing James to pass him via the inside line.James kept hold of first place but had to master restarts due to several cautions.  James kept all challengers in check and went on to collect the checkered flag.  It was an emotional triumph be­cause six months ago he nearly had a career-ending injury in a Sprint Car last September.John Campos got second, followed by Dustin Cady in third.last_img read more

Syracuse extends win streak to four games with 4-3 victory over Louisville

first_imgNo. 32 Syracuse (12-6, 6-6 Atlantic Coast) beat Louisville (8-14, 0-11 Atlantic Coast), 4-3, at the Bass-Rudd Tennis Center in Louisville, Kentucky on Sunday.Like its last game against Pittsburgh, Syracuse got the first point by winning two of three doubles matches. Gabriella Knutson and Valeria Salazar won their game, 6-2. Nicole Mitchell and Maria Tritou won their game, 6-4. Dina Hegab and Anna Shkudun lost their match, 5-4, before it could be completed.Salazar paced Syracuse by winning her singles match in back-to-back sets by scores of 6-2 and 6-3. However, Knutson, who has been one of Syracuse’s most successful players in the last month, lost her match in two sets, 6-4 and 7-5. Tritou lost her match in two identical sets of 6-4 and 6-4. Hegab lost her match in two sets, 6-4 and 6-3.With two of the team’s best performers losing, Syracuse was found a way to win with individual victories from Libi Mesh, who helped Syracuse beat Wake Forest, and Shkudun, who won last week for the first time in almost a month.Mesh won the last two games in her match, 6-4 and 6-3, after losing the first set, 7-6.AdvertisementThis is placeholder textWith Syracuse tied, 3-3, against Louisville, Shkudun was able to seal the win with another three-set game. She won the final two sets 7-5 and 6-3 after also losing her first set, 6-4.Syracuse continues on its three-game road trip at No. 6 Miami on Friday at 11 a.m. Comments Published on April 10, 2016 at 4:42 pm Contact Jake: [email protected] Facebook Twitter Google+last_img read more