By Wayne McLaurinUniversity of GeorgiaAs Father’s Day approaches, I remember with fond affection my ownfather. He wasn’t a big man, but was very big in my eyes. Noteducated in a modern sense, he never failed to have time toanswer my thousand questions. He was never too busy to talk to uschildren.Many of the conversations came in the garden, started by aquestion.”What plant is that?””Is this bug good or bad?””Is that ready to eat?””Why are some peppers hot?””What causes tomatoes to turn red?””How big can a watermelon grow?””Can we quit now?”Railroad gardenWe always had a big vegetable garden on land we used with permission from the railroad.At 10:30 a.m. and 6:30 p.m. a passenger train passed by going toforeign places as far as we were concerned — northbound toWashington, D.C., and New York and southbound to New Orleans.We knew we weren’t going there, so we just waved at the people onthe train and showed them Southern hospitality while we wentabout our chores.Everyone had chores in the garden. One of my least favorite wasto pick squash and okra — both sticky. I was the fifth child,and now I think this chore was passed down as the older ones gotmore power and control.Okra lessonsLittle did I know then that I’d wind up getting a Ph.D. inhorticulture at Louisiana State University and do all of myresearch on okra. I reckon that garden got me geared up for life.Daddy never was into “gadgets.” We didn’t have a tractor or evena mule, just hand tools and a pushplow.Having come through World War I and the Depression and having sixchildren to support, Daddy was somewhat tight-fisted. Why haveone of those gadgets when Mr. John Scott would come over and plowthe garden with his mule Hugh?Besides the chores, we did everything else that was asked. Daddyalways asked. He never told us what to do. Of course, we neverrefused to do what he asked.That one time…Except there was that one time when my older brother V.L. decidedif he stuck his foot with a pitchfork he could get out of work –we always worked barefooted. Instead, he stuck it through his toe.Daddy took him back to the house, poured iodine on the puncture,bandaged it and made him wear shoes back to the garden. All of uslearned a lesson: don’t try it, because it won’t get you out ofgarden work.We didn’t have any of the supplies modern gardeners can’t seem todo without. We knocked pests off the plants into a coffee canwith a little kerosene in the bottom. After we were through, westrained the bugs out and saved the kerosene for the nextonslaught of insects.Specialized hoesWeed control was never a problem. We just used hoes and kept themsharpened. As the hoe heads were sharpened, of course, theybecame smaller.That was never a problem. We used the small-headed hoe to getclose around the plant. With this implement I could get rightnext to the stem and cut the grass.Woe be unto the kid, though, who cut a plant. We’d get “Son, whydidn’t you just pull the grass from around the plant with yourhands?” in the kindest of words.The newer, wider hoes were for the middles. And we never chopped.We “drew” the hoe along the top of the soil without disturbingthe soil, letting the sharp edge do the work. Chopping brought upweed seeds, the exact thing we were trying to control.Lots of lessonsWe not only planted and raised each vegetable but picked it,shelled it, helped cook it and, of course, ate everything. Theplate was never passed twice, and no one wanted to be at the end.Yet there was always enough to eat and share with others lessfortunate (or as we kids so selfishly saw it, too lazy to have agarden).As I look back, gardening with my father was one of the bestlearning experiences ever. All of the formal education I’ve gonethrough has only refined and enhanced what I learned in myfather’s garden.(Wayne McLaurin is a horticulturist with the University ofGeorgia College of Agricultural and Environmental Sciences.)
15SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Miriam De Dios Woodward Miriam De Dios Woodward is the CEO of PolicyWorks, LLC. She also serves as Senior Vice President of AMC, the holding company of the Iowa Credit Union League and parent … Web: https://www.policyworksllc.com Details As credit unions increasingly embrace diversity, equity, and inclusion (DEI) initiatives and seek to better represent and serve their ever-changing communities, understanding the regulatory components that touch such initiatives is an important starting place.For example, laws such as the Equal Employment Opportunity (EEOA) and Equal Credit Opportunity (ECOA) acts outline baseline requirements for employers and financial services organizations to follow to ensure equal treatment regardless of ethnicity, national origin, gender and other protected classes. Viewed from a different perspective, these laws provide the baseline for inclusivity in hiring and lending. While the EEOA speaks to the area of human resources, which is a robust area in and of itself, let’s focus on DEI from a membership standpoint. Certainly, few if any credit unions today consciously or actively discriminate against particular groups based on national origin, race, religion, or other criteria. But inclusion involves more than mere non-discrimination. It means proactively reaching out to underrepresented groups, understanding their needs, and striving to meet those needs through the credit union’s products and services in a compliant manner.Adjusting Products and ServicesCredit unions, like all organizations, have to make business decisions on a variety of matters every day. One such business decision could be expanding their services to underrepresented groups. A way to ensure the credit union is addressing the community at large is to consider the changing demographics in its membership area and aligning account opening and lending practices accordingly. If the credit union is serving immigrant groups for example, this may require an update to a member identification program, lending policies and procedures, in order to be inclusive of all.End-to-end MindfulnessIt is important to keep the needs of the target community in mind from end-to-end, all the way from advertising to member service on the front-line. For example, if a credit union advertises its services on its website or elsewhere in a language other than English, be sure to have employees available to speak to members in that other language. This will not only make non-English speaking members more comfortable working with the credit union and can reduce misconceptions or misunderstandings among non-English speaking members, this will help you avoid any potential UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices) violations and overall will avoid misleading members into thinking you offer services in another language if in fact you don’tIf you are going to provide materials in another language, a translation strategy is also important to ensure all relevant information is accurately translated, leaving no room for misunderstandings. Because there can be many ways to translate a word or phrase from one language to another, it is important to seek experts who not only understand the native language being translated to, but also understand financial and credit union terminology for any required translation work. Accuracy, consistency, and relevancy are important in translations. Avoid using Google Translate for something this important and seek outside consultants, if necessary, to assist. Going Beyond Traditional ApproachesServing diverse population groups is part of the credit union creed. While there are always regulations to consider, there are also many opportunities to grow credit union membership by tailoring products and services to specific needs of the membership base.Serving people with non-traditional forms of identification, such as a consulate card, is one example of new membership a credit union could be serving. By expanding services to include underserved members and updating the credit union’s member identification policy and procedures to include non-traditional forms of identification, you do not have to turn down membership. The IRS’s Individual Taxpayer Identification Number (ITIN), which is a taxpayer identification number that some immigrants may have, is a valid taxpayer identification number that credit unions can accept to lend and open interest-bearing accounts. Another opportunity to be inclusive in lending is through the underwriting process. Members without traditional credit histories may not have the traditional forms of documentation you seek to verify credit, however, this does not mean that they have not established credit. The credit they have established however may be found in non-traditional sources such as alternate payment data, including that found in paying recurring bills such as utilities, or rent. While this likely would not alter your lending policy, it would require a change in underwriting procedures to ensure your requirements list is as inclusive as possible. This would apply for anyone seeking a loan at your credit union, whether it’s a young college student or a recent immigrant. To achieve success in DEI initiatives you need to go beyond meeting the regulations. The regulations provide a baseline framework, however, it takes initiative and a commitment to ensure you go beyond what’s required to what’s needed in your communities.