University Leaders in North America abandoned Their Role 

Why aren’t university leaders leading? They are allowing students to push insane, bizarre, politically correct ideas on everyone in their universities (and colleges).

To be sure, university leaders must be careful not to dismiss as political correctness (PC), valid responses by certain groups to subliminal, unconscious, biased behaviors. Racism and sexism are pervasive in society, and sometimes folks aren’t conscious of the hurt their words and actions cause others. Nevertheless, leaders must not let PC drive their decisions.

It’s important for students to express themselves on college campuses. College and university leaders should listen to students and where feasible, adjust policies. Especially policies that ensure students operate in a safe—physical and emotional—environment that’s conducive to learning. However, I repeat, leaders must resist asinine PC demands from students, while the college works to stomp out discrimination.

University Leaders Need a Time Out
University Leaders Need a Time Out

University leaders must draw the line against anti semitism, bigotry, and all forms of discrimination. They must recognize majority rights, minority rights, professors’ rights, and individual rights. But, they should not permit inane acts just to appease vocal groups. (more…)

Share on FacebookTweet about this on TwitterEmail this to someoneShare on LinkedInShare on Google+

6 Steps to Improve Financial Savvy Before Leaving College

Students should aim to improve their financial knowledge before graduating from college. Otherwise, they will succumb to temptations and live in bondage to debt. Further, debt will prevent them from pursuing projects and activities later in life. Not only does debt create a financial burden, it generates emotional stress that can stymie an entire family. It is debilitating!

Handling finances well means learning to choose wisely. And learning to discern and choose wisely should be an important lesson students acquire at college. This ability applies not only to finances but every area of life.  Indeed, I think learning to choose wisely should be a continuing process as students journey through life. To be sure, folks must deal effectively, at each life stage, with important lifestyle decisions.

Students might not be able to take formal credit courses in finances;  however, on their own, they should set out to learn to handle finances well. Certainly they should do this before taking on student loans. Meanwhile, I believe, before leaving college, each student should follow the six steps below to learn and develop his or her financial knowledge. (more…)

Share on FacebookTweet about this on TwitterEmail this to someoneShare on LinkedInShare on Google+

Solution Driven Marketing Themes 

Solution driven marketing can reshape a firm’s view from product or money focus to  customer-needs’ focus. Solution driven marketing applies to every organization—profit, and not for profit. A key challenge is to change customers’ wants to valuable needs. In the long run, this will provide significant value to the firm, too.

Solution driven marketing has four distinct parts

Solution driven marketing changes wants to needs

Solution driven marketing
Solution driven marketing

First, the firm develops solutions or benefits based on its view of customers’ current or future wants or needs. To begin, the firm must learn about its customers and their wants and needs. It does this by highly targeted market research, and in focus groups.

The process starts with a clear vision and mission to define what the firm wants to be, and what it plans to do. The mission will appeal to certain groups only, not to everyone. Hence, the firm must decide the best approach to present its proposed solutions and benefits to help current and potential customers.

In solution driven marketing, the business does not “push” its services or products. Instead, it offers benefits, opportunities, and solutions it expects customers will find helpful. Look at Amazon, for example. It creates benefits for people to stay at home to shop for their wants and needs. As well,  it tries to change people’s wants to perceived needs. (more…)

Share on FacebookTweet about this on TwitterEmail this to someoneShare on LinkedInShare on Google+

Are Students their Universities or Colleges’ Customers

Are university or college students customers of their institutions (subsequent references to college include university)? I am not referring to a student-as-customer’s movement that attempts to hike revenues by lowering standards and pandering students. That approach merely compromises the college’s mission, vision, and values while enabling entitlement-minded students. I disagree with it. Instead, I refer to a special partnership that exists between a college, delivering its vision and mission, and college students, who do their best in the educational infrastructure that’s provided.

To answer the student-as-customers question properly, it’s crucial we understand essential traits of a customer, and the basic features of a business. That’s why I address the important customer and business relationship in such detail early in the paper.  Meanwhile, ninety-one percent of respondents to my survey (Bell, 2016) asking the captioned question, said a college’s administration should treat college students as customers. Eighty-four percent said professors should be sensitive and responsive to students’ particular needs.

In this paper, I examine these areas:

  1. The customer and business exchange
  2. Anatomy of good customer relationships
  3. What the best college teachers do
  4. Perceptions of college students’ role as customers
  5. Treat college students as customers but don’t compromise values and standards
  6. Organizational structure of colleges
  7. Survey findings
  8. Conclusions


Share on FacebookTweet about this on TwitterEmail this to someoneShare on LinkedInShare on Google+

A Positive Brand Perception is Your Best Advertising

A positive brand perception is an important goal of many successful organizations. They understand that their brands are emotional links with customers. The deeper the link, the stronger the brand perception.

Brands are belief systems, not marketing tools. Many people think of the logo as the brand. However, the logo merely is the image that conjures up the brand perception.

The brand perception is in the person’s mind and evokes specifics such as quality, price, service.  It is the business’ brand identity.  To many people, the Apple brand means high quality, excellent packaging, and great service. Walmart’s brand conveys everyday low prices, and Costco’s brand brings to mind retail shopping at wholesale prices.

People pay extra for products or services when they identify with a firm’s brand. That’s why businesses spend significant time and resources developing and growing the right brand perception or brand identity. It’s counterintuitive to think anyone would pay to be a member of a firm to shop at that firm? Yet, membership fees are a major source of Costco’s continuing profitability. (more…)

Share on FacebookTweet about this on TwitterEmail this to someoneShare on LinkedInShare on Google+

Household Debt in Canada Growing Fastest in G7 Countries

Household debt is a huge problem in Canada. In 2012 when I wrote about it, I thought it was a major crisis. Surprisingly, it’s gotten progressively worse.

Canadians are in a debt mire, sinking deeper, but continuing with life unscathed. That’s the essence of a recent Manulife Bank survey. What has changed from previous polls? Nothing much. The basic message is the same. Canadians have an insatiable debt appetite. Since 2000, Canadians have grown household debt more rapidly than any G7 country. Today, Canada’s household debt-to-disposable income ratio is a whopping 171%.

Low Interest Rates Fuelling Household Debt Hike

Beware: Household Debt Cliff Ahead
Beware: Household Debt Cliff Ahead

Housing prices continue to soar. Interest rates remain low and are likely to stay there for sometime. Thus, folks have no incentives to apply more prudent stewardship to household finances. People focus mainly on debt service costs, not on total borrowing. And funds are easily accessible. (more…)

Share on FacebookTweet about this on TwitterEmail this to someoneShare on LinkedInShare on Google+

Don’t Integrate Faith and Business – Live Your Faith

Christians, don’t integrate faith and business. Don’t integrate faith and anything. Live as followers of Messiah where you are.

Business is having the right people in the right slots headed in the right direction. It is all about people. Business is the largest mission field available to Christians, at home and abroad. Besides, it is the only wealth creating entity in society. Those of us whom God calls to be in business need to behave consistently as His stewards (Colossians 3:23-24), and His disciples (Luke 14:25-34).

Don’t Integrate Faith and Business

Don't Integrate Faith and Business: Seek First His Kingdom
Don’t Integrate Faith and Business: Seek First His Kingdom

Many Christian business leaders and pastors have not realized how much the church drifted into the world. Thus, they see a  need for Christians in business to integrate their faith and business principles. Christianity is a lifestyle. However, the integration idea suggests that Christianity is not a lifestyle, but a set of principles that apply situationally. So, in church and “Christian” settings, we live as Christ followers, but in business we integrate faith with business principles.


Share on FacebookTweet about this on TwitterEmail this to someoneShare on LinkedInShare on Google+

Two Life Lessons For Performance Improvement

Two life lessons flowed out of my reflections on the solution of  issues that posed the biggest challenges to some of my students this semester. As I pondered different situations, I asked this question: What were root causes of students’ biggest problems that prevented them from presenting papers on time? The answer was obvious: Poor allocation of unscheduled time.

Life Lessons: Things That Matters
Life Lessons: Things That Matters

I am convinced that learning and practicing two particular life lessons will help students become better stewards of the time the Lord gives them daily. Besides, these life lessons apply to each of us at home, at work, at church, everywhere. If each person understood and applied them consistently, he or she would be able to allocate needed time with the Lord, for exercise, for healthy eating, to work on finances. Generally, that person will experience less stress while becoming more effective:

  1. Delay gratification
  2. Focus on things that matter and things you can control

Let’s examine what’s involved with these life lessons. (more…)

Share on FacebookTweet about this on TwitterEmail this to someoneShare on LinkedInShare on Google+

Personal Finance: Credit Scores to Debt Freedom

Popular teaching about personal finance encourages people to concentrate on credit scores, cheap credit, and credit cards. Essentially, it assumes you will live in debt forever. It does not mention the single, key, controllable element in personal finance—individual choices that decide spending, and lead to financial results.

Two Approaches to Personal Finance

Personal Finance Needs a Money Map
Personal Finance Needs a Money Map

We can view personal finance in two ways. The usual approach teaches how to use credit cards, and how to maintain a good credit score. Or, the method I apply that encourages people to strive to live debt free lifestyles.

In the first method, you can get a great credit score, and maintain it always. But, what does that mean? It means you have been in debt, you have stayed in debt, and you repaid your debts as required. You didn’t add much debt, and most importantly, you are not paying off too much debt. Do you get it? You became a slave to debt! That’s what the world tells you, and most folks tell their children. Isn’t this absurd? (more…)

Share on FacebookTweet about this on TwitterEmail this to someoneShare on LinkedInShare on Google+

Decision Making Process More Important Than Analyses

Your decision making process is more important to a successful result than your analyses to prove the validity of a decision. That’s what research shows consistently.

How do you decide? Do you follow a predictable process or do you let your emotions or situations lead you? My research suggests we let circumstances direct us, unwittingly. That’s why I believe we are poor decision makers, generally. Even so, I think we need to follow a proven process before we decide matters in our private lives and in business. Therefore, let’s see what we can learn from three large, bad decisions.

Decisions Influenced By Today

Poor Decision Making Process
Poor Decision Making Process

First, in January 1, 1962, four youths in a rock-and-roll band auditioned for a major British record label, Decca Records. Later they got a letter from Decca saying: “We don’t like your sound; groups are out; four-piece groups with guitars, particularly, are finished.” Decca missed out on signing the Beetles!

Why did Decca miss this chance to sign one of the best groups in history? They assumed the future would resemble the present. Therefore, they concluded that since four piece groups were not in vogue then, four piece groups would not be popular in the future. And so, they extended the present to the future. (more…)

Share on FacebookTweet about this on TwitterEmail this to someoneShare on LinkedInShare on Google+