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OSFI-A Regulator Out of Balance with Credit Union Members!

By David Gouthro / July 19, 2017 / 1 Comment

Wish I could focus on something else in my posts, but that isn’t likely until the OSFI ruling about credit unions begins to reflect the application of some common sense. So, am I opposed to OSFI in general? Nope! In truth, I appreciate their intent to keep my meagre financial assets safe. In sharp contrast, their ruling that will […]

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What Do OSFI and Donald Trump Have in Common? [A]

What Do OSFI and Donald Trump Have in Common?

By David Gouthro / July 16, 2017 / 0 Comments

No, this is not a riddle. Nor is it a joke. Nor is it simply a way to get your attention so you’ll read this article. My observation (albeit from a distance) is that both seem to have unbridled power and the ability to make broad sweeping proclamations without any particularly acceptable rationale other than […]

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Making Sense of Regulatory Senselessness!

Making Sense of Regulatory Senselessness!

By David Gouthro / July 14, 2017 / 2 Comments

The craziness with OSFI’s* ridiculously restrictive ruling regarding Canadian credit unions’ use of certain words is gaining more widespread attention. My need for affiliation with this cause compels me to comment once again. I must first declare I’m a credit union member, not a credit union employee. As such, I have neither seen nor heard the […]

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Federal Regulatory Stupidity, Bullying or Both?

Federal Regulatory Stupidity, Bullying or Both?

By David Gouthro / July 6, 2017 / 3 Comments

ard to tell. Likely both. What am I referring to? Credit Unions will soon be unable to use the terms “bank”, “banker” or “banking” based on a ruling by OSFI (the federal Office of the Superintendent of Financial Institutions). You may wish to read the document that describes the Canadian Credit Union Association’s response. Credit […]

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Beauty in the Beast!

Beauty in the Beast!

By David Gouthro / March 19, 2017 / 3 Comments

[Contrast Alert] This reflection is of quite a different nature than what I’ve posted previously… reader beware! I’m composing this “episode” having just returned from watching Beauty and the Beast with my daughter. I thoroughly enjoyed the movie and our time together—on many levels (I recommend you watch the movie in 3D on a big […]

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What's Up With Those Canadian Banks?!?

What’s Up With Those Canadian Banks?!?

By David Gouthro / March 15, 2017 / 2 Comments

Unless you’ve had your head in the sand or your ears plugged recently, you’re likely aware of the coverage CBC has been providing on the concerns and complaints they’ve received from frontline employees and managers of TD Bank. It started with a few employees and managers complaining about the undue pressure and threats to job […]

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Can the Phoenix of Straight Answers Rise from the Ashes of Obfuscation?

Can the Phoenix of Straight Answers Rise from the Ashes of Obfuscation?

By David Gouthro / March 15, 2017 / 2 Comments

In the wake of the current and virtually incessant use of the terms “fake news” and “alternative facts”, I will temporarily sidestep that controversy and focus on the challenge of getting a straight answer.  By straight answer, I mean “honest, direct; not curved or crooked; continuing in the same direction without deviating; outright, or candid” […]

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Using an External Facilitator--Why Bother?!?

Using an External Facilitator–Why Bother?!?

By David Gouthro / March 5, 2017 / 0 Comments

I recently sent out a three question survey to approximately 40 clients who have used external facilitators. My purpose was to develop a better understanding of their reasons and rationale for using an external facilitator . . . rather than engaging an internal facilitator . . . or none at all. The majority of respondents […]

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From Insight to Action

From Insight to Action

By David Gouthro / December 4, 2016 / 2 Comments

Lately I’ve been trying to be more intentional about capturing the insights that enter my conscious mind when I wake up in the middle the night, walk the dog, or otherwise let my mind wander freely.  Some of them are potentially brilliant in their application! Sometimes I capture them with a photo . . . […]

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Parking Tokens-In Whose Best Interests

By David Gouthro / December 3, 2016 / 0 Comments

I wonder how much consumer research was done prior to implementing this system for pay parking at Vancouver International Airport. Personally, I am not a fan for a number of reasons, although I’m sure there is an economic driver in there somewhere—perhaps rationalized with a touch of environmental sensitivity? Please excuse my mild dose of […]

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The value of an idea lies in the using of it. ~ Thomas Edison