Category: Observations

With all the world’s attention focused elsewhere, it is easy to overlook the calming rhythm of nature. A poem by Wendell Berry, “The Peace of Wild Things”, captures the life affirming repose of nature. Berry (born August 5, 1934) is an American novelist, poet, essayist, environmental activist, cultural critic, and organic farmer living in Kentucky.

When despair for the world grows in me
and I wake in the night at the least sound
in fear of what my life and my children’s lives may be,
I go and lie down where the wood drake
rests in his beauty on the water, and the great heron feeds.
I come into the peace of wild things
who do not tax their lives with forethought
of grief. I come into the presence of still water.
And I feel above me the day-blind stars
waiting with their light. For a time
I rest in the grace of the world, and am free.

Some of the life affirming beauty from our garden energized by a warmer than normal season.

Primrose:

Crocus:

Hyacinth cluster:

A friend recently commented on his initial wait for possible jury duty:

As I write this, I am sitting at the D.C. Courthouse waiting to find out if I’ll be selected for jury duty. Many of you have been where I am, and likewise many of you remember the video that is played to prepare potential jurists for voir dire and a case: Jury Duty: Call to Serve!

It’s dramatic (over-dramatic?), and a bit of a strange juxtaposition. While we’re being told that the fate of democracy rests in our hands (!)—I’m really just sitting in a large room with people scattered around doing their work or reading, but mostly just waiting around. And it’s easy to dismiss the video—getting called up for jury duty feels like a distraction and not all that important, if waiting around seems to be our main job. . .

So, for the next few hours at least, I will try to bring a different perspective to jury duty. I will attempt to wait patiently and attentively, hoping for my time to serve, all while knowing that the work is critical, and much bigger than one person. Perhaps as I wait, I’ll learn something about duty as well.

The Duty of a Credit Union Member

Is there an analogy for the member-owner of a credit union? Could it be to “serve” by attending and voting for their leaders at the Annual Meeting? If we only ask and expect our members to use products, have we really helped members understand the cooperative principle that the “fate of democracy rests in our hands”? Is your Notice of the Members’ Annual Meeting a call to duty?

One of the most threatened industries from the stay-in-place requirements will be the restaurant business. Every eatery, from the oldest locally-owned café to the largest national franchises, is financially at risk. These local businesses’ futures are in doubt; more importantly millions of full and part time workers may be laid off-indefinitely.

Almost ten years ago, Chef Jose Andres and his wife Patricia started the World Central Kitchen. They envisioned a non-profit organization that would create innovative approaches to combating hunger and poverty. Initially this was through providing clean cook stoves and culinary training programs along with social enterprise ventures that empowered local communities and economies. The focus was on country’s suffering from natural disasters or chronic hunger in the population.

Now this decade long world-wide charitable effort is focusing on the US: “We have shown that there is no place too far or disaster too great for our chefs to be there with a hot plate of food when it’s needed most.”

A week ago Chef Andres announced the closing of all his DC area restaurants. He explains why in this 4 minute video. He is paying all his staff for the next two weeks and converting several restaurants to Community Kitchens. Below is the conversion of his Bethesda restaurant’s location. While undoubtedly concerned about the future of his own enterprise, Chef Andres is putting community outreach as his first priority.

1. Chef Andres’ Bethesda location
   
2. The conversion to a Community Kitchen
   
3. Get in Line
   
4. Stand here signs in walk to pick up food:
   
   
5. Serving those most in need
   

The subject line of a CEO’s email to staff: “Ensuring that our business records reflect due diligence, policy follow up, and the right balance of CYA”. Excerpts follow:

Team, think backwards – after this is all over, we may be AUDITED to see how we did during the crisis by official third parties. Not just our internal operations but those organizations we rely on to serve members. I want the board record and business documentation to show our attention to our processes related to these times and normal times. Assume a future proctology exam is coming and be ready.

For example: We are assuming the process to get GOV’T funds for extended PTO and employee benefits will be a FIGHT or a HASSLE at the very least. We are starting a process to make sure we keep the records to make our case very specifically as we learn the rules. Our management team must keep a CENSUS – have the numbers, know where people were, what they were doing , what work we accomplished in strained times, etc.

We want to never lose on process – so we have to anticipate process reviews and be ready. Make our business records tight and shining – especially through the upcoming months.

When was the last time you took a position that the majority of your backers were against?

From the St. Anne’s Credit Union website: 

Founded in 1936 and headquartered in Fall River, MA, St. Anne’s Credit Union has been providing financial products and services to SouthCoast communities for over 80 years.

St. Anne’s Credit Union was established in the midst of a depression, by a young man named William J. Cyr who saw the possibilities – people helping each other regain their financial health. With the assistance of a group of friends, Cyr began collecting 25 cents from several people after church each Sunday to accumulate enough funds to qualify for a federal charter. With assets totaling $1016, St. Anne’s became a fully sanctioned federal credit union in 1936. Realizing the positive impact this had on the community, Cyr went on to found 36 more credit unions throughout New England. [emphasis added]

 The further you look back, the longer you can look ahead.

My colleague Bucky Sebastian sometimes describes a person as “Hard of Listening.”

This is his play on the words “hard of hearing.”

A person speaks about 225 words per minutes. But the mind can hear over 500 words per minute.

So when “listening” we dual task, shift attention, or think about our reply.

One observer commented: “No one ever listened his way out of a job.”

Whose voice did you miss today?

At a church luncheon I learned about Go Go Grandparent, a nationwide platform to provide more convenient access to Lyft/Uber rides for older persons.

The service focuses on serving older persons without cars and who prefer to use the telephone, not an app, to request ride services. The service would be similar to calling a taxi; however, it adds a set of information options so that repeat visits are as easy as pressing 1, 2, or 3 on the phone when prompted.

The cost of the service is 27 cents per minute plus the usual Lyft/Uber fee.

A Community Service Business Model

The reason for presenting this service at this luncheon, attended mostly by seniors, was to replace the ad hoc, erratic demand for ride pickups to church that had been the responsibility of the deacons. The church’s volunteers were not insured and the demand unpredictable.

The Church decided to “outsource” its service. In addition it had received a donation to pay all costs for the first year.

Go Go’s website does not identify attending church as one of the many examples for transportation that non car owning seniors might require. Rather it lists doctors’ visits, shopping and other errands that are part of older persons required away from home visits.

A Partnership Model

The church’s sponsorship and underwriting the first year, the use of existing ride services, the convenience of traditional telephone communications (versus an app) demonstrate how vital partnering is to the success of this startup’s business model.

For it would take much greater capital to sign up persons one at a time in the demographic the business is trying to reach. By creating an information data base of passenger destinations, Go Go helps users manage their own transportation rather than starting all over each time a ride is needed.

Credit Union Implications

Two observations from this example. Is there an equivalent transportation need for a group of your senior members?

Secondly, Go Go is a national platform dependent on local services and organizations to market and complete each ride. Could such a solution be better managed locally? Go Go stores users’ destination data; it inspects drivers’ vehicle for special need passengers, and it claims to interview each driver for sensitivity to older person’s physical limitations.

Should credit unions be fostering these kinds business startups for their communities?

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