Realistic goal setting. Many credit unions take last year’s goals, add X% and hurriedly rush through this step. This is not a strategy, and it is not goal setting. There are many things you have to look at and do that change at least somewhat from year to year before you ever get to a set of solid goals. Some questions to ask:What factors are affecting your credit union’s growth?What factors are affecting your members and the community?Are there changes that will be affecting your credit union in the next 1-3 years?What are the needs of your members and the community?Why are your members and potential members going elsewhere for the products you want them to have with your credit union?What is the perception of your credit union within the marketplace? 82SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Amanda Thomas Amanda is founder and president of TwoScore, a firm that channels her passion for the credit union mission and people to help credit unions under $100 million in assets reach … Web: www.twoscore.com Details Once you’ve answered these questions, take a look at your recent trends. You need to know where you are and where you’ve been in order to be able to get where you want to go.All of this information, combined with your credit union’s brand elements and differentiator, will help you get to a set of solid, realistic, and achievable goals to set the bar for next year.Enjoy the process and the time with your team. Here’s to a successful session and upcoming year. It’s officially the season for strategic planning as credit unions prepare for 2016 and beyond. Whether your credit union chooses to go off site with its team for a retreat or stays at the credit union conference room, there are a few things you definitely don’t want to miss.Before doing any planning successful credit unions make sure to have these items on their strategic planning session agendas:Celebration and encouragement. Before you do any planning for the future, sitting in and celebrating your wins from the current year is the first important step in this very important process for your credit union. What went well? Who were the instrumental players? Is this process repeatable? This step is also important in reflecting on the things that maybe weren’t as successful as they could have been. What went wrong? Why? What did you learn? How would you do it differently? Celebration of success and encouragement is the linchpin to momentum and team alignment.Regarding the mission. The next step successful credit unions take in their strategic planning process is to take a hard honest look at their mission, vision and values. This step is vitally important. Not only does it ensure that the credit union is truly living its mission, accomplishing its vision, and delivering on its brand promise to members, it also allows for an honest look at whether these elements really identify what the credit union stands for; strong mission elements put teeth and meaning in your call to action. Have all meeting attendees give their honest opinions and feedback on whether the credit union is in alignment with its mission, vision, and values. If there is inconsistency, spend some time coming up with a more realistic and true set of brand elements to guide the future of your credit union, its decisions, actions, and member experience.Hard conversations. The key word here is hard. You’re working on a team with many people you like and respect, yet this critical meeting is a time to talk about the things that are standing in the way of the credit union’s success. A thriving organization not only makes sure it has the right people, but also that the right people are in the right places within the company. If people at any level aren’t buying into the mission and goals of the credit union, or actively or passively undermine its success, they’ve got to get on board or find a new train. The only people welcome on the team are people who are willing to be part of the team. Some questions to ask your team:What is getting in the way of serving our members to the best of our ability?What have you been dragging your feet on that you know must be done?
Having played in the eternal rival is something that relentlessly pursues Álvaro Morata. The Atlético de Madrid forward confessed in a digital meeting with the Italian tennis player Fabio Fognini that if I could go back I would do things differently.“When I was little, I was an Atleti ball boy. There came a time when I stopped enjoying playing with my friends. You know, the change that comes when you go from being a boy who has a good time playing soccer to a professional dimension. People start to have agents, to sponsor sneakers … I felt too much pressureIn addition, I was not playing a starter and decided to leave. I went to Getafe for a year, a very nice year, and then to Real Madrid. But I, with my father, went to the Calderón and I dreamed of playing there. Unfortunately I had to play with other jerseys and not with Atleti’s, but I was always from Atleti. What I have lived stays, but now I am happier than ever, “admits the rojiblanco striker. He also talked about his more direct rivals on the field, the central ones, and which of them have made it more difficult throughout their career: “Chiellini I don’t know if he does it on purpose but when he meets me he always destroys me (laughs) Sergio Ramos is also a tough defender whereas when you go against Van Dijk you seem to hit a mountain. “Stay in Turin: “In Turin I was very comfortable. When I left I went to the bar around the corner and they even hugged me. The people there were very kind. I think he would have had a great time anyway in every city in Italy. Alice misses Italy. But when we have a day or two off we go back there “
ExxonMobil Corp, the company which is currently intensifying exploration activities in Guyana after striking oil here recently, has been fined a whopping US billion for underpaying royalties in the central African nation of Chad, where the company has been drilling for 15 years.According to international reports on the mega fine by Chad courts, the amount is about five times more than that country’s Gross Domestic Product, which the World Bank estimates at US$13 billion.The High Court in the capital, N’Djamena, announced its ruling on October 5 in response to a complaint from the Chad Finance Ministry that a consortium led by ExxonMobil hadn’t met its tax obligations.The court also demanded the Texas-based oil explorer pay $819 million in overdue royalties, according to the document.The penalty exceeds the $61.6 billion financial blow BP Plc incurred after the Deepwater Horizon disaster in 2010 killed 11 rig workers and fouled the Gulf of Mexico with crude for months, and is more than 70 times larger than the $977.5 million Exxon was ordered to pay fishermen and other victims of the 1989 Valdez oil spill in Alaska.Exxon, the world’s biggest oil producer by market value, began exploring Chad for crude in 2001 and has been pumping oil there since 2003.ExxonMobil recently announced a “world-class discovery” equivalent of 800 million to 1.4 billion barrels of oil following the drilling of the Liza-2 well in the Stabroek Bloc offshore Guyana.The discovery is the company’s second exploration offshore Guyana; the first was made in May 2015.“We are excited by the results of a production test of the Liza-2 well, which confirms the presence of high-quality oil from the same high-porosity sandstone reservoirs that we saw in the Liza-1 well completed in 2015.”As it relates to its legal woes on the African continent, a spokesperson for the company has said, “”We disagree with the Chadian court’s ruling and are evaluating next steps.”“This dispute relates to disagreement over commitments made by the Government to the consortium, not the Government’s ability to impose taxes,” he said.The President of the court, Brahim Abbo Abakar, confirmed the ruling to Bloomberg Markets saying, “It’s correct, however, the provisional enforcement is lower than the amount demanded by the tribunal,” he said, referring to the sum of $669 million also cited in the document. He didn’t elaborate.“Contract sanctity and respect for the rule of law are core principles used to manage our business over the long-term,” Exxon’s Spitler said.“It is vital for all parties to honour the terms of a contract and abide by applicable law in order to achieve the desired long-term benefits envisioned when projects begin.”