2016 MCUL Lending & Marketing Conference
In 2015, Millennials surpassed Baby Boomers as the largest group of the U.S. voting population. As Boomers transition into their well-earned retirement, Millennials will take the stage as the focal group for marketers, lenders and managers. This session will explore who the Millennial Generation is, what is important to them, what they expect from credit unions and how to engage them with credit unions on multiple levels.
Much has been said about the Millennial generation, also commonly known as Generation Y, but do we really know how to bring out the best in them? Surpassing even baby boomers in number globally; The Millennials are making their mark in a lot ways. They have different dreams. They are changing how things work and the workplace is where they are having the biggest impact.
• Mindset of the Millennial.
Appreciate the differences and similarities in our Millennials’ mindset.
• Inevitable changes in our business world.
Evaluate the evolution of business climate due to the new workforce.
• Opportunities with the Millennial workforce.
Explore how we can bring out the best in our future workforce.
Gen Z Digital-Book: A Primer For All Things Gen ZOlogie
Just like you, we’re curious about Gen Z—the college students of today and tomorrow. So we’ve spent some time studying them.Now is the time to get smarter about communicating and connecting with this new generation. Our book offers facts and valuable insights, as well as bottom-line implications for your communications.
Think of it as a primer for all things Gen Z.
Chief Mammal of Snigglezoo Entertainment , John Lanza's presentation to the CUAO Youth Summit about how credit unions can reach today's youth and make a difference in financial literacy with a great kids club.
Much has been said about the Millennial generation, also commonly known as Generation Y, but do we really know how to bring out the best in them? Surpassing even baby boomers in number globally; The Millennials are making their mark in a lot ways. They have different dreams. They are changing how things work and the workplace is where they are having the biggest impact.
• Mindset of the Millennial.
Appreciate the differences and similarities in our Millennials’ mindset.
• Inevitable changes in our business world.
Evaluate the evolution of business climate due to the new workforce.
• Opportunities with the Millennial workforce.
Explore how we can bring out the best in our future workforce.
Gen Z Digital-Book: A Primer For All Things Gen ZOlogie
Just like you, we’re curious about Gen Z—the college students of today and tomorrow. So we’ve spent some time studying them.Now is the time to get smarter about communicating and connecting with this new generation. Our book offers facts and valuable insights, as well as bottom-line implications for your communications.
Think of it as a primer for all things Gen Z.
Chief Mammal of Snigglezoo Entertainment , John Lanza's presentation to the CUAO Youth Summit about how credit unions can reach today's youth and make a difference in financial literacy with a great kids club.
Nita Rollins and Dale Edman present Resource Interactive's latest research from Kelly Mooney's keynote at this year's Shop.org Annual Summit in our November iCitizen Webinar, Recession-Rewired: Leaner times hit home for moms and younger millennials.
What is multi-generational marketing? Everything. Communicating effectively between generations is essential for doing business in the modern world. Navigating between these generations using each group's most effective strategies without overloading your marketing schedule and budget can be difficult and sensitive. How do you begin to understand the intricacies of these groups? How do you develop a strategy and begin to execute it successfully? We can help. Contact 3Fold Communications today to schedule your Multi-Generational Marketing training session!
The Millennial Think Tank for Participants ArCompany
The Millennial Think Tank is a weekly on-air broadcast dedicated to busting myths about Millennials in areas like brand ethics, transparency, debt, education, relationships, globalization, and entrepreneurship.
MTT is hosted by ArCompany - we're a Toronto based group that focuses on helping brands / companies build communities, content, and technology for their customers and not the other way around.
Leading Four Generations in the Workplace - AICPA Global Manufacturing Confer...Tom Hood, CPA,CITP,CGMA
Presentation to the AICPA Global Manufacturing Conference in NOLA
The 'shift change' is underway as the retiring baby boom generation makes way for Generation X. The shift change is the transfer of the retiring baby boomers to the next generation of leaders that will be taking the helm in the next few years. This time what got you here won;t get you there. The incoming shift will require a new set of skills and tools to continue the work of the prior shift. This time it is different.
Generational issues in the workplace are one of the biggest challenges facing organizations today. This presentation covers the latest research and ideas to successfully lead 4 generations in the workplace. The latest research on the new skills needed in the modern workforce and how leadership has changed. Participants will learn new approaches to engaging the next generation of workers to connect and collaborate in a way that maximizes their discretionary effort.
You\'ve Got the Power is a very popular session delivered to frontline staff in schools and offices. It helps staff understand the key role they play in building and breaking school/district reputation and delivers five "power tools" to help them maximize their reputation-building influence.
This presentation on generational marketing--understanding the different perspectives, expectations and communication styles of the four generations in the workplace today--was made to the Travel Salem group in Salem, Oregon by Jennifer Larsen Morrow of Creative Company.
Creative Wealth Intl., LLC has been offering unique financial education solutions since 2002. Beginning with The Money Camp and now Camp Millionaire and The Money Game, teaching kids and adults has never been so effective or so much fun!
Dr. Lawrence Firkins - Becoming an Employer of Choice: This Isn’t Your Fathe...John Blue
Becoming an Employer of Choice: This Isn’t Your Father’s Oldsmobile - Dr. Lawrence Firkins, University of Illinois, from the 2020 Minnesota Pork Congress, held January 28 - 29, 2020, Minneapolis, MN, USA.
More presentations at https://www.youtube.com/playlist?list=PL_5bHW6MgRAxDHcrbY42-xvfSZdMGNdQD
Ted London, Vice President of Tax & Collections at CGI presented new insights on Influencing Citizens using behavioral science techniques at the SEATA (Southeastern Association of Tax Administrators) conference on July 14, 2014. Ted has 21 years of experience in working exclusively with Federal, State, Provincial and Local tax agencies at CGI
Watch the video here: http://blog.mindswarms.com/mindswarms-on-millennials-technology-and-the-new-luxury/
A top line report on how Millennials view Luxury differently from previous generations.
September 2013
Nita Rollins and Dale Edman present Resource Interactive's latest research from Kelly Mooney's keynote at this year's Shop.org Annual Summit in our November iCitizen Webinar, Recession-Rewired: Leaner times hit home for moms and younger millennials.
What is multi-generational marketing? Everything. Communicating effectively between generations is essential for doing business in the modern world. Navigating between these generations using each group's most effective strategies without overloading your marketing schedule and budget can be difficult and sensitive. How do you begin to understand the intricacies of these groups? How do you develop a strategy and begin to execute it successfully? We can help. Contact 3Fold Communications today to schedule your Multi-Generational Marketing training session!
The Millennial Think Tank for Participants ArCompany
The Millennial Think Tank is a weekly on-air broadcast dedicated to busting myths about Millennials in areas like brand ethics, transparency, debt, education, relationships, globalization, and entrepreneurship.
MTT is hosted by ArCompany - we're a Toronto based group that focuses on helping brands / companies build communities, content, and technology for their customers and not the other way around.
Leading Four Generations in the Workplace - AICPA Global Manufacturing Confer...Tom Hood, CPA,CITP,CGMA
Presentation to the AICPA Global Manufacturing Conference in NOLA
The 'shift change' is underway as the retiring baby boom generation makes way for Generation X. The shift change is the transfer of the retiring baby boomers to the next generation of leaders that will be taking the helm in the next few years. This time what got you here won;t get you there. The incoming shift will require a new set of skills and tools to continue the work of the prior shift. This time it is different.
Generational issues in the workplace are one of the biggest challenges facing organizations today. This presentation covers the latest research and ideas to successfully lead 4 generations in the workplace. The latest research on the new skills needed in the modern workforce and how leadership has changed. Participants will learn new approaches to engaging the next generation of workers to connect and collaborate in a way that maximizes their discretionary effort.
You\'ve Got the Power is a very popular session delivered to frontline staff in schools and offices. It helps staff understand the key role they play in building and breaking school/district reputation and delivers five "power tools" to help them maximize their reputation-building influence.
This presentation on generational marketing--understanding the different perspectives, expectations and communication styles of the four generations in the workplace today--was made to the Travel Salem group in Salem, Oregon by Jennifer Larsen Morrow of Creative Company.
Creative Wealth Intl., LLC has been offering unique financial education solutions since 2002. Beginning with The Money Camp and now Camp Millionaire and The Money Game, teaching kids and adults has never been so effective or so much fun!
Dr. Lawrence Firkins - Becoming an Employer of Choice: This Isn’t Your Fathe...John Blue
Becoming an Employer of Choice: This Isn’t Your Father’s Oldsmobile - Dr. Lawrence Firkins, University of Illinois, from the 2020 Minnesota Pork Congress, held January 28 - 29, 2020, Minneapolis, MN, USA.
More presentations at https://www.youtube.com/playlist?list=PL_5bHW6MgRAxDHcrbY42-xvfSZdMGNdQD
Ted London, Vice President of Tax & Collections at CGI presented new insights on Influencing Citizens using behavioral science techniques at the SEATA (Southeastern Association of Tax Administrators) conference on July 14, 2014. Ted has 21 years of experience in working exclusively with Federal, State, Provincial and Local tax agencies at CGI
Watch the video here: http://blog.mindswarms.com/mindswarms-on-millennials-technology-and-the-new-luxury/
A top line report on how Millennials view Luxury differently from previous generations.
September 2013
The values of Millennial shoppers are changing how we define and sell luxury. Learn how this consumer has evolved, and which luxury brands are winning by offering meaningful experiences instead of just stuff.
A közkedvelt Gree klíma bemutatása: funkciói, szűrők, Gree klíma típusok, műszaki újdonságok. Energiatakarékos és csendes működés, extra funkciók, kitűnő ár-érték arány jellemzi klímáikat.
Harmony’s mission is to serve children, families and communities through counseling, education, and adoption. Since our founding in 1996 Harmony’s focus has been finding forever families for children, domestically, internationally, and through the foster care system. Our work with families often begins at placement and continues throughout the adoption journey.
Heroes are known to be bold problem solvers who fight for good. Why then are Millennials known as the “hero” generation? And why does that answer matter to companies?
Millennials are the largest generation yet and are poised to change the world. Increasingly acting as agents of change, they not only expect to succeed at having an impact on the world, but also seek out brands with the same goals in mind.
Millennial expert Todd Metrokin, Vice President and Creative Strategist, Ogilvy & Mather Washington D.C., shares a deeper look at Millennial behaviors and how to market to this “hero” generation.
The 5 keys to engage Millennial thinking - Fintech Americas, Miami October 2015Juan Lopez Salaberry
A fresh perspective on millennial thinking with 5 actionable items you can apply today to increase engagement with the generation that will represent 75% of the worldwide workforce by 2025. Presented at Fintech Americas in Miami.
Simply put, much of what you think you know about the newest generation in the workforce is out of date. In this fast-paced update, Karl Ahlrichs will share some new and quite surprising information about the latest crop of employees that are arriving in our organizations, and impart his insight on generational challenges that may be causing problems. "Real world" experiences and direct advice on measuring and leveraging your biggest off balance sheet asset: people
In the new economy, we all are challenged by an aging workforce that is not retiring anytime soon. They may have planned to have financial and personal independence by now, but the economy has gotten in the way. The challenge now is to work a complex workforce, with a core of baby boomers that are grumpy and disaffected. This course will offers knowledge and understanding of the core motivational theories that work on boomers in particular and the modern workforce in general.
Why Gen Y: Millennials outside the walls of NationwideLessing-Flynn
Gen Y and Millennials in 2014 have new challenges as they advance in the workforce along aging Baby Boomers and Gen Xers. As they move into management ranks, beating the entitlement label and growing as leaders will be crucial. Tips for managers of Gen Y included in this presentation given at the Nationwide Gen Y Associate Resource Group in November 2014.
Over recent years schools have tried, and often struggled, to understand how to work effectively with the 'millennial' generation. Now a new, and very different, generation is entering the workforce.Generation Z, GenZ or the iGeneration, have grown up in a time of crises; whether financial, social, political or medical. But they have also been brought up and educated during a period of unprecedented technological development. These factors have shaped their understanding of the wider world and, consequently, their expectations of the workplace.This presentation will examine the factors and experiences that have shaped Generation Z and some of their perceptions about work. It will look at the ways in which schools can attract and retain Generation Z and the opportunities that their understanding may provide.
Recruiting, Retaining and Engaging the Next Generation College StudentAerial Ellis
A revealing look at the intergenerational approach to higher education and what institutions must do to understand, recruit and engage millennial employees and generation Z students.
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What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
Remote sensing and monitoring are changing the mining industry for the better. These are providing innovative solutions to long-standing challenges. Those related to exploration, extraction, and overall environmental management by mining technology companies Odisha. These technologies make use of satellite imaging, aerial photography and sensors to collect data that might be inaccessible or from hazardous locations. With the use of this technology, mining operations are becoming increasingly efficient. Let us gain more insight into the key aspects associated with remote sensing and monitoring when it comes to mining.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
As a business owner in Delaware, staying on top of your tax obligations is paramount, especially with the annual deadline for Delaware Franchise Tax looming on March 1. One such obligation is the annual Delaware Franchise Tax, which serves as a crucial requirement for maintaining your company’s legal standing within the state. While the prospect of handling tax matters may seem daunting, rest assured that the process can be straightforward with the right guidance. In this comprehensive guide, we’ll walk you through the steps of filing your Delaware Franchise Tax and provide insights to help you navigate the process effectively.
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
India Orthopedic Devices Market: Unlocking Growth Secrets, Trends and Develop...Kumar Satyam
According to TechSci Research report, “India Orthopedic Devices Market -Industry Size, Share, Trends, Competition Forecast & Opportunities, 2030”, the India Orthopedic Devices Market stood at USD 1,280.54 Million in 2024 and is anticipated to grow with a CAGR of 7.84% in the forecast period, 2026-2030F. The India Orthopedic Devices Market is being driven by several factors. The most prominent ones include an increase in the elderly population, who are more prone to orthopedic conditions such as osteoporosis and arthritis. Moreover, the rise in sports injuries and road accidents are also contributing to the demand for orthopedic devices. Advances in technology and the introduction of innovative implants and prosthetics have further propelled the market growth. Additionally, government initiatives aimed at improving healthcare infrastructure and the increasing prevalence of lifestyle diseases have led to an upward trend in orthopedic surgeries, thereby fueling the market demand for these devices.
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
4. Disclaimers
1. No Silver Bullet to Attract/Retain
2. Go to where the “fish” are
3. Right Person, Right Solution, Right Time
4. Life Stage + Life Context
5. Little Number x Big Number…
is still a Big Number!
6. Do your own thing,
then do it simply and
really well
Disclaimer 0: I am
not this awesome…
5. Disclaimers
1. No Silver Bullet to Attract/Retain
2. Go to where the “fish” are
3. Right Person, Right Solution, Right Time
4. Life Stage + Life Context
5. Little Number x Big Number…
is still a Big Number!
6. Do your own thing,
then do it simply and
really well
Disclaimer 0: I am
not this awesome…
Would you leverage
a stereotype based
on race, religion, or
sex just because
there was “research”
to back up the
stereotype?
6. Who are they?
What’s important to them?
What do they expect?
How do we engage them?
Not the Pepsi
Generation…
More than their
iPhone…
More than Mobile
Banking…
More places than
Facebook…
7. “To better understand who people are,
one must first know who they aren’t.”
-Ben Puffer, just now… right in front of you
8. Millennial Myths
Myth: Millennials are lazy
Truth: Millennials are ambitious and curious
Myth: Millennials are self-centered
Truth: Millennials volunteer at record rates
Myth: Millennials are spoiled
Truth: Millenials are resourceful and prudent
Myth: Millennials need instant gratification
Truth: Millennials are accustomed to quick and
easy access to information via technology
Myth: Millennials are disrespectful
Truth: Millennials need “Why?”
Myth: Millennials are disloyal
Truth: Loyalty is not a given; it must be earned
Whoaren’tthey?
11. “That’s great, but it doesn’t help me
understand how to lend
or market to them…”
- You, in your head just now
12. Millennial Basics
•Over 25% of USA Population
•80~90 Million in the USA
•Differentiated needs across a range of ages
•Born between ~1980~2000
•Currently ~16~36 years old
What makes them different?
Whoarethey?
Remember that
whole “small
number x big
number” thing?
13. Much like other generations,
Millennials were influenced and
shaped by historical events of
their lifetime.
14. 1975 1985 1995 2005
1977
Apple II launches
1984
Apple Macintosh launches
1985
Windows 1.0 released
1982
Internet protocol suite (TCP/IP) and ARPANET
Whoarethey?
1981
IBM-PC launches
Sandra Day O’Connor Supreme Court
15. 1975 1985 1995 2005
1987
NYSE Black Monday
1989
World Wide Web
Exxon Valdez Oil Spill
Berlin Wall Torn Down
1990
End of Soviet Communism
Hubble Telescope
Gulf War
1993
World Trade Center Bombing
1991
High Performance Computer & Communication Act
Radiolinja 2G Cell Network
Whoarethey?
16. 1975 1985 1995 2005
1998
Osama bin Laden Jihad
Bill Clinton/Monica Lewinsky
2001
9/11 Attacks
US-Led War on Terror
1999
Columbine Massacre
1996
Dolly the Sheep
1994
NAFTA
1995
Oklahoma City Bombing
1997
Death of Princess Diana
Steve Jobs Returns to Apple
Whoarethey?
17. “… it’s never the events of our lives,
but the meaning we attach to the
events – how we interpret them –
that shapes who we are today
and who we’ll become tomorrow.”
- Tony Robbins
18. Three Profiles of Millennials
- Bank of America Research
YOUNGER MILLENNIALS
Age: 18-22
•Primarily single and are attending college
•Primarily relies on parents for financial advice and support
•Not likely to have a 401(k) or IRA
•Saving for a house, a vacation and education
•33% pay on student loans (Average of $201/month)
Whoarethey?
19. Three Profiles of Millennials
- Bank of America Research
MIDDLE MILLENNIALS
Age: 23-29
•Split between being single and married
•Most are employed
•More likely than other age groups to make a budget
•Saving more aggressively to buy a house
•Saving for vacations and half have savings goals
•More than half who went to college pay student loans
•Some have delayed starting a family
•Relies on parents and school knowledge for financial
guidance, but are also more likely than younger Millennials to
use a professional advisor or their employer
Whoarethey?
20. Three Profiles of Millennials
- Bank of America Research
OLDER MILLENNIALS
Age: 30-36
•Mostly married and employed
•Have more money saved than younger Millennials
•More likely to be saving for retirement and kids’ education
•Half make a monthly budget and have a savings goal
•More than half who went to college still have student loans
•More than half had to delay starting a family or take a job
that did not suit them.
•Uses a wider variety of financial information; using parents,
professional advisors, employers and books
Whoarethey?
21. Knowledge is Power
•95% research and shop for vehicles online
•23% obtained Bachelor’s degree or higher
Older Age compared to Life Stage (Compare to Gen-X)
•Nearly 200% the student loan debt
•5 years later having kids
•18% less likely to be married and living in their own
house
•3% more likely to be living at home with parents
Tech-Savvy
•72% active users of mobile banking
•47% own tablets
Invest in Community
•71% raise money on behalf of non-profits
•57% do volunteer work
Whoarethey?
25. What’simportanttothem? Safety and Security
•Family, Health, and Balance
•Financial security
•Quick and easy access to the right information at the right
time
Social Needs
•Sincere communication and interaction
•Simple ways to interact with others
Esteem
•Helpful, knowledgeable, and accurate resources
Self-Actualization
•Connected to a Cause
26. Non-Negotiables
•Sincere & Knowledgeable People
•Accuracy
•Security
•Website
•Online Banking
•Mobile Banking
•ATM Card
•Debit Card
•Credit Card*
•Auto Loan
•Consolidation Loan
* 63% of Millennials don’t have a credit
card, Bankrate.com
Whatdotheyexpect?
Cited from Millennials and the Future of Digital Banking, Akamai, 2015
Top Expectations for Websites Among Millennials
27. Whatdotheyexpect? What’s Coming?
•House
•33% of Millennials plan to buy a
new home in the next 3 years,
compared to 19% of the general
population
•Children
•Among Millennials, ages 25-34,
now 10.8 million households with
children.
•Millennials accounted for 80% of
the 4 million U.S. births in 2014
•Retirement
•75% of Millennials are already
saving for retirement and started
saving at the age of 22 (median)
29. Howdoweengagethem? Opportunity #1
•71% of Millennials “feel confident” of their knowledge about lending and credit
•67% of Millennials don’t know how credit scores are calculated
Opportunity #2
•74% of Millennials believe they have good financial habits
•67% of Millennials worry about money
31. Howdoweengagethem?
Break-out!
Now that you know more about
them, how could you engage
Millennials at your Credit Union
using your field of expertise?
Brainstorm together and build
some actionable ideas!