Management Information System What Can One ‘Nobody’ Do?

More than you can imagine…In this temporarily schizophrenic society, where too often the answer to the question “What do you want to be when you grow up?” is “a celebrity”-it’s vital to understand the power of the well-intentioned individual.The position we are at in this moment-on the brink of Planetary Awakening-calls for those who align with the Light to step forward in full awareness of themselves as aspects of the Divine and bring that Light into the world. We are each placed in the perfect position to play the role we were born to play.You don’t have to be a celebrity to have a significant impact on the world at large-you simply have to start acting in an impactful manner. While in the eyes of the world you may not be renowned, in the eyes of Source you are anything but an anonymous cipher-so don’t treat others as such. Each one is an aspect of the Divine, playing their role in this Cosmic Play.

Life, as energetic impulse, happens at the local level and spreads like ripples out into the greater reality. When you choose to be an intentional Bearer of Light and begin to shine your Light on those around you, they too Light up and the pay-it-forward effect is ignited. Once enough of these small sparks are burning, the effect can be as great as a raging wildfire. Now is the time to contribute to the critical mass needed to tip the scales.The key is feeling: Choosing to feel good, and transmitting that good feeling.This is how it works:I shop at various stores around town and interact with cashiers, produce workers, managers. I go to the Library, the Post Office, the bakery, the local newspaper. I use a printing service, an auto shop; I may encounter a bus driver, janitor, waitress, executive. I frequent a yarn store, an optician’s, a card shop, a bank.Some of the people who work in these places or positions are known to me, some are friends, some become friends through our interactions, some not. It doesn’t matter how well I know them, or if I know them at all-some of my most delightful exchanges happen when I talk to a ‘stranger’ while waiting in line for a cashier.In any instance, rather than an impersonal, detached or perfunctory attitude, I choose to be friendly for starters, and with every encounter up the ante: express appreciation; offer a compliment; make a sincere inquiry into well-being; initiate an exchange of meaningful conversation, encouragement, inspiration, support.

And I am also willing to listen, receptively, when the other has something they want heard. In fact, sometimes the greatest gift we can give another being is to simply be willing to take the time to listen to what someone wants to express.This attitude, and intention-of choosing to be a transmitter of ‘good vibes’ is how each of us can affect the community around us and have an impact on our world. The quality and frequency of your energy alone is the greatest contribution you can make.So please stop thinking you’re a ‘nobody’-you are somebody who has a great deal to offer. And once you begin, you will see how powerful an impact you can have. Just do it.

A Latin Impact on the Finance Industry

Financial Institutions are a fantastic business model to learn from when considering ever changing market conditions. Their traditional target markets are stable, but, the needs of an emerging market, the Latino market is extremely underserved. It is certainly not for lack of money. Many Latinos have zero debt and healthy saving habits. The question arises, are financial institutions doing enough to serve this population? Are they adapting to the Latino needs? The answer is complicated.

There are two types of Latinos in the USA. One is the immigrant seeking a better life and wanting the American dream, whether they came through the proper channels or not it is irrelevant. The second, are the Latinos that are born here. These are two very different groups of people with different needs and goals. Most immigrants bring their culture, traditions, and customs with them to the US. Those born here develop a blended culture that is both Latino and American.

Financial Institutions are taking notice and making strides to accommodate this very economically influential population. The main reason is that there is a lot of investment in education and developing trust. An untold detail is that in Latino countries, people do not trust banks and financial institution because of corruption. Everything is paid in cash and there are no debt or traditional credit scores. This means that the Latino community have cash, probably stored under their mattress or in a shoe box. This is very dangerous considering that a house fire could burn an entire life savings. Another scenario is they could become a target for robbery. This is a foreign concept for Americans. What is happening is a huge learning curve, educating them on the process of building credit, saving their money in a financial institution, getting loans (mortgage, car, etc.), and most important having trust in the financial institutions.

The younger generations that are born here learn from their parents and surroundings. There is still a disconnect from the importance of financial products, building credit, and how that process works. Many of these young people are just translating for their parents, explaining financial products, and become an intermediary for conducting business. You will notice an increase in bilingual support at many financial institutions for this reason. There is still a lot of work to do in this regard, and this process will take time.

However, more and more financial institutions are offering products specific to Latinos. Information is becoming available in Spanish and more financial institutions are hiring bilingual and multi-lingual speakers. It will be interesting to see how we as a country adapt to this important demographic. It is truly an untapped market that has an important function in our economy for growth and stability.