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Category: Credit Card News

How to Run a Virtual Brainstorm that Actually Works

January 17, 2021
| No Comments
| Credit Card News

Fun fact about pandemic life: Zoom fatigue is real. And not just real, but “widely prevalent, intense, and completely new,” according to Psychiatric Times.

Although we might be avoiding Zoom these days when an email or even a phone call (is it 1986 again?) will suffice, there's one place where video conferencing still shines, and that's the good ol' brainstorm.

Old school brainstorming was creative and connective and interactive—all things difficult, but not impossible, to recreate virtually.

When I picture brainstorms of years past, I see images of big tables full of candy and fidget toys and pens and Post-Its galore. Old school brainstorming was creative and connective and interactive—all things difficult, but not impossible, to recreate virtually.

Today we’ll talk about some virtual brainstorming strategies I’ve seen work really well. And then hopefully, you’ll give one a try. 

Choose your occasion wisely

brainstorms shouldn’t be a catch-all for any group conversation.

Back when our biggest workplace woe was a vending machine out of Diet Coke, many of us took brainstorming sessions for granted. But in a virtual world, it's harder to organize, facilitate, and get people engaged.

That's why brainstorms shouldn’t be a catch-all for any group conversation. (Often what you’re looking for is just a meeting.) Brainstorms are a very specific brand of discussion in which a collective of creative voices, ideas, and opinions are necessary inputs to achieve a valuable output.

Because of challenges like Zoom fatigue and burnout, I urge you to be stingy with your brainstorming sessions. They're a fabulous enabler of ideas and solutions, so do use them. But do so strategically and with clear intention.

Because of challenges like Zoom fatigue and burnout, I urge you to be stingy with your brainstorming sessions.

What are some great occasions to host a brainstorming session? Use them when you need to:

  • Add or refine product features
  • Define a path in a sticky situation
  • Solve a complex problem

These and many other scenarios call for a variety of perspectives in which there are no right or wrong answers, but only ideas.

In contrast, many other occasions don’t call for a brainstorm. Like when you need…

  • Approval or alignment
  • Receipt of a message or direction
  • Feedback on a mostly baked idea

These are not brainstorm moments—they're meetings with a much more defined outcome. See the difference?

Figure out the specific problem you want to address

Okay, so you've figured out that your situation calls for a brainstorming session. Now, it's time to make sure everybody who comes to the brainstorm is on the same page before you begin by creating a statement that lays out the specific problem and how you need to tackle it.

Your problem statement might be something like:

We’re losing market share on X product, and we need to define new features to attract Millennial customers.

And here's another example:

This client wasn’t happy with our last deliverable and we need to redefine how we’re engaging with them.

One of your goals is to keep the session short (because fatigue) while maximizing what you take away from it. A clear problem statement allows you to invite your brainstorming participants to get the creative juices flowing ahead of the actual session.

Assign some prework to get things rolling

Now that you've stated the problem or opportunity, it's time to let participants know you’re looking forward to a collaborative discussion and invite them to jot down some early ideas and send them your way.

You can then do some analysis ahead of the session. Did you spot any common themes? Any particular ideas you’re interested in having the group build upon?

Share your findings at the beginning of the brainstorming session. This will give you a strong foundation from which to build.

Get creative with tech 

Love it or hate it, video conferencing technology is definitely your friend in a virtual brainstorm. It allows you to create a purposeful connection amongst participants. But you have to understand how to engage them.

When I used to run in-person meetings with leadership teams, I was always intentional about switching up the activities every 30 minutes or so. I’d facilitate a breakout, and then we’d do a quick poll, and then I’d have people plot Post-It notes around the room, and more.

Keeping things changing and moving is a great way to keep adults engaged. According to the Harvard Business Review: "If you don’t sustain a continual expectation of meaningful involvement, [people] will retreat into that alluring observer role."

So take the time to learn the features of whatever platform you’re using, and make the session engaging. Some tactics you might try?

  • Use polls to test out early ideas
  • Use small group breakout sessions to create mini-competitions between your participants
  • Use a whiteboard to replicate a poster board people can plot virtual Post-It notes on
  • Use voting to prioritize or stack rank

Of course, talking is part of any brainstorm. But using technology can keep participants from slipping into the shadows without contributing.

Establish norms that serve your purpose

A brainstorm isn’t successful because of how smart its participants are, but because of how much freedom and space their voices are given.

A client once told me this story about a packaging company that was struggling with productivity. Their products had to be wrapped in newspaper before being shipped. But often, as employees were packaging product, they’d accidentally start reading the newspaper, losing precious packing minutes. These minutes added up to lost productivity.

One day the leadership team was brainstorming solutions to this distraction problem and one executive said, “Well, what if we just poked their eyes out?”

Of course, he wasn't serious—the question was absurd and meant to add a little humor. But it triggered a new line of thinking. Eventually, the company established a partnership with a non-profit organization that finds jobs for blind people.

Is this story true? I’m honestly not sure. But it’s a great illustration of the importance of free-flowing ideas.

A brainstorm isn’t successful because of how smart its participants are, but because of how much freedom and space their voices are given.

As the facilitator, what norms can you put in place to ensure that all ideas get voiced without judgment and everyone has a chance to speak?

Here are a few you might consider:

  • Use the improv rule of “yes, and.” It means that ideas are never knocked down, only built upon. (Don’t worry, they can get voted down later, just not during the brainstorm)
     
  • Use the two- (or one- or five)-minute rule. Ask people to limit themselves to two minutes at a time, even if they need to stop mid-thought (they can finish on their next turn). This challenges people to be concise and ensures that everyone gets a chance to speak.
     
  • Use a round-robin technique. Circle around the Zoom participants, calling on each person as you go. If someone isn’t ready, they can pass. But this is a great way to prevent introverts from getting overlooked.

What other norms will keep you on track?

Close out thoughtfully

Save a few minutes at the end of your scheduled session to check in on the process. How did it feel for everyone? What worked well and what might you skip next time? Do they have other tactics to recommend?

The best answer to “How do I host a great virtual brainstorm?” is the answer that your own participants give you.

When scheduled for the right occasion and with the right people, brainstorms are a fabulous tool. Don’t be intimidated by them. Just be open to learning as you go.

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Hitting the Books Again? Here’s How to Financially Prepare for Grad School

January 17, 2021
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| Budgeting, Credit Card News

Earning an advanced degree as a working professional can be a challenge—unless you have a good financial plan.

The post Hitting the Books Again? Here’s How to Financially Prepare for Grad School appeared first on Discover Bank – Banking Topics Blog.

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Accredited Asset Management Specialist (AAMS)

January 17, 2021
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| Credit Card News, Financial Advisor, Investing

New financial advisors need something to help them stand out. Consequently, the AAMS does just that. Designed for newcomers to the financial advice business, the AAMS trains advisors to identify investment opportunities as well as help clients with other financial … Continue reading →

The post Accredited Asset Management Specialist (AAMS) appeared first on SmartAsset Blog.

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How to Be Confident but Not Arrogant

January 12, 2021
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| Credit Card News
In 2007 I had my first baby. I was extraordinarily fortunate to spend a year at home with her. That year was a gift, full stop. But as I learned in 2008 when I returned to the workforce—new job, new company—taking a year off also drained my confidence tank.
 
Pre-baby, I knew what made me shine at work. Post-baby, I felt like I’d lost my mojo.
 
According to Psychology Today:
 
Confidence is a belief in oneself, the conviction that one has the ability to meet life's challenges and to succeed—and the willingness to act accordingly.
 
I knew how essential not only feeling but being able to display confidence was in my professional life. But after taking that year away, I wasn’t sure how to rediscover mine.
 
Previously I’d been a relationship-builder, a talent strategy advisor, and an analyzer of human capital data. Upon re-entry in 2008, I feared I’d lost my edge. And I was determined to show that fear who's boss. So I set my mind to making my mark, showing the world how smart and capable I was.

It was a total miscalculation on my part. And I got some serious feedback to prove it.

I did this by having something—actually, a lot of somethings—to say in every meeting. I was quick to offer solutions to problems. And when something needed to be done, I had it covered. No help needed. And that strategy went really well for me.
 
Kidding! It was a total miscalculation on my part. And I got some serious feedback to prove it. I’d been so focused on seeming confident that I’d shown up as arrogant. I will be forever grateful to the boss who gave me that feedback early and counseled me to course-correct.
 
I learned the hard way, but I learned a lot about what distinguishes confidence from arrogance. And today I share the biggest lessons. Here's the feedback my boss gave me, which I ran with. Thirteen years later, I'm delighted to pay it forward.

1. Know what you’re here to do

Arrogance happens when you over-index on you—how you’re showing up and being perceived. Confidence is focusing on the work—the outcomes you’re there to deliver.

The conviction that you have the ability to meet a challenge begins with being super clear about what challenge you’re there to meet.

Exuding confidence begins with experiencing confidence internally. The conviction that you have the ability to meet a challenge begins with being super clear about what challenge you’re there to meet.
 
Before an important interaction, ask yourself: What’s my role in this, and what am I expected to influence or deliver? Asking and answering those questions will center you. It will allow you to home in on where your voice has power, and where your silence or observation may add more value.
 
In 2008, I was so focused on seeming confident—which I somehow translated into a need for verbal diarrhea—that I lost sight of what I was there to do. I wasn’t hired to seem smart; I was hired to develop talent plans to fuel the business’s success.
 
Early feedback from that wonderful boss reminded me I didn’t need to offer a point of view at every turn. “Have the confidence not to speak up sometimes,” I remember her telling me. And having the poise to listen and observe when that's what's called for makes you seem all the more confident when you do offer an idea or point of view.

2. Listen like you mean it

Arrogance is pausing to give others a turn to speak. Confidence is truly hearing and absorbing what they have to say.

Ask probing questions to extract more meaning.

I was deeply guilty of pausing but not listening. Only when my boss called me out did I realize she was right. I was so focused on what I had to say next that I wasn’t taking in and reflecting on the value that others were bringing to the conversation. The pressure to seem smart led me to overuse my words and underuse my ears. And this backfired, positioning me as more arrogant than wise.
 
RELATED: Listen Up! Not Listening Is Holding Your Career Back
 
Again, that clarity of purpose should light the way. I was there to build a talent plan to help the business achieve its goals. So when the leader was talking about his goals and talent needs, that was my cue to listen. These were the moments that would provide meaningful insight and data to support my work.
 
Feedback from my boss helped me become an active listener. I wasn’t silent, but rather I was using my voice to restate what I had heard, or to ask probing questions to extract more meaning.

3. Let them see the sausage-making

Arrogance is believing the path from start to finish should be paved only with your ideas. Confidence is knowing you don’t know everything and having the humility to recognize that other people's good ideas won’t dull your shine.

Confidence is knowing you don’t know everything.

So as you’re working toward a deliverable, don’t wait for it to be fully baked or polished before you do the big reveal. (That works on HGTV, but not so much in real life.) As you move work along, build check-in points into your process. Let people watch as you make the sausage, and give your peers, your leader, your stakeholders a chance to influence the flavor before it’s fully cooked.
 
It does take confidence to pull back the curtain on an unfinished product. But it will better the outcome every time.

4. Say the bold thing

Arrogance encourages you to say what someone wants to hear. It will make you a hero just for today. Confidence allows you to say what they need to hear, and it will make you the hero in the long-term, where it really counts.

Arrogance encourages you to say what someone wants to hear; confidence allows you to say what they need to hear.

Fueled by feedback from my leader, I started finding moments of courage to push back on what my business client, George, believed was best. 
 
George was a salesman. His own climb up the corporate ladder was driven by his excellence in sales, and so he believed finding and growing great sales talent was the key to his business’s success. In our early days, as long as I showed George a plan designed to do just that, he’d praise my genius. 
 
But in time I came to realize this was a short-sighted play. We had great sales talent. The problem wasn’t finding more, but rather, finding ways to enhance collaboration between sales and client management. A stronger partnership between the teams would enhance the customer experience, in turn delivering bigger business results.
 
The first time I suggested this to George, there was no smile. But I'd done my research. I’d compared us with other companies doing the same, and ultimately, I won his support.
 
My recommendation delivered success in the long-run. But it took me time to find the confidence to say the thing he wasn’t ready to hear.
 
2008 was a painful year for me. And yet it delivered some of the most important lessons I’ve learned along the way about confidence. And as I pass these along to you, I realize there might be a fifth bonus insight: it takes a lot to share your own journey of failure (mine) in service of someone else’s success (yours). I choose to hope that’s a reflection of the confidence I’ve gained along the way.

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How to Manage Your First Salary and Grow Your Savings

January 12, 2021
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| Budgeting, Credit Card News

Your first salary is the steppingstone to becoming financially independent, learning healthy savings habits and building your nest egg.

The post How to Manage Your First Salary and Grow Your Savings appeared first on Discover Bank – Banking Topics Blog.

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The Average Salary of a Physical Therapist

January 12, 2021
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The average salary of a physical therapist is $84,020 per year. If you’ve ever undergone physical therapy you know how important the work of physical therapists is. The job of a physical therapist is one that requires high levels of skill … Continue reading →

The post The Average Salary of a Physical Therapist appeared first on SmartAsset Blog.

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5 Great Ways to Increase Remote Working Productivity

January 9, 2021
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When the COVID lockdowns started, most business owners probably didn't think much about the efficiency of their remote working solutions as long as they were able to keep the lights on. As we head into 2021, we can see that remote working is going to become a permanent feature of our business lives. With more than half of employees reporting frustrations with their remote work solutions, now is a good time to think about getting the best software and apps in to help your team stay productive.

Remember, too, that many of your people will find working at home a very lonely experience and so things like video conferencing can help alleviate the mental health impact of a lockdown.

Let's look at some of the products that are available to help you stay in touch and remain effective no matter what 2021 throws at you!

Workflow boards

One of the things that many people have reported is difficulty in keeping motivated and understanding what needs to happen and when.

When you're in an office, it's easy to simply lean across the desk and ask what is going on. But what happens when your team is all working remotely?

Using Kanban boards like Trello and Asana allows you to posts jobs, tasks, and subtasks and then allocate them to individual staff members or team so that everyone knows where they are and what still needs doing.

Remote access software

Remote access software can have some real benefits for users across the organisation and doesn’t need to be confined to your IT helpdesk.

Modern remote working can give users a virtual desktop, which is the same wherever they log on. A Virtual Private Network (VPN) can also increase security.

Remote access software can also include functionality that enables video conferencing, chat functions, shared word processing, and file sharing, along with resources for troubleshooting in a pinch.

If you’d like to find out more about what it can do for you, check the best options in this excellent remote access software review by Neil Patel.

Remote shared storage

Many companies rely upon having drives readily available to all staff, and when you're all working in the same office, this is a simple matter. But when your team is spread out, then you need to think about organizing remote storage.

Google Drive and Dropbox are probably the most well-known offerings, but there are many more. They all provide you with the ability to have shared drives that are accessible based on your own organization’s security protocol.

Remote storage is a very competitive area, so prices have dropped over the last few years. So in many cases, you are better off subscribing to a best-in-class cloud storage solution (especially if it includes remote access desktops as above) rather than upgrading your on-premise servers.

Business-class video conferencing

For many businesses, this is one area where they just had to get a solution in place quickly so everyone could carry on working. But it really is worth choosing a business-class video conferencing system.

Having a better system makes life easier for your staff, but it also portrays a professional image to your customers and suppliers.

Free systems are great, but they will always come with limitations. Zoom, for instance, limits calls to 45 minutes on its free version. Other free solutions reduce video quality.

With paid solutions, the cost for a group subscription is often very reasonable when compared to the cost of losing even one customer.

Collaboration and sharing tools

When you can just pass files and papers across a desk, life is easy. But if you're miles away from your co-workers, contractors, and customers, how can you possibly collaborate effectively?

Many of the really good systems bundle in storage, video conferencing, Kanban boards and collaboration tools that help your teams act like teams rather than a collection of dispersed individuals.

Obviously, the big player here is Microsoft. But you can get excellent results with apps like Zoho Connect, Winio, and Wire. If you only really want chat capability, then look at Slack.

Take advantage of trials

What works for some people may not work for you and your company. But the good news is that pretty much every system mentioned here has some form of free trial.

The best advice is to take the developers up on their offer and test these solutions out. Get feedback from your employees and take into account how easy the apps are to use, the support available, and of course, the annual cost.

Don’t be swayed by attractive-sounding initial reductions. If the system is good, you’ll be using it for a long time. It is much more important to get the right features for you rather than buying something that isn't well-suited to the task because the developer was offering a half-price sale.
 

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6 Tips for Successfully Managing a Checking Account in College

January 9, 2021
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Schoolwork? Check. Social life? Check. Managing your checking account? We’ve got your back.

The post 6 Tips for Successfully Managing a Checking Account in College appeared first on Discover Bank – Banking Topics Blog.

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10 Things to Know About Working in New York

January 9, 2021
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Thinking about working in New York? There are some features of work life in the Big Apple that set it apart from the work culture in other cities. Is it true that if you can make it there you can … Continue reading →

The post 10 Things to Know About Working in New York appeared first on SmartAsset Blog.

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