The articles below have all appeared in Jeff's Thoughts, and they are simply listed in reverse chronological order, with the most recent articles at the top. Each title has a brief summary description to help you browse the articles of most interest to you.

These articles make great discussion starters, whether for the members of your association, the participants in your internal training program, or the employees at your next staff meeting. Use one of these reprints to stimulate questions, to bring an outside voice to issues that concern you, your staff, or your membership, or as an ice breaker to get people talking at your meeting or workshop.

I invite you to reprint any of these articles for use with your staff or association membership, whether as handouts or in a newsletter, free of charge as long as you meet the following requirements:

  1. Keep the article intact, as is. Please do not edit what I said in the article in any way.
  2. Acknowledge the source, with words similar to the following: "By Jeff Judy, reprinted from the Jeff's Thoughts newsletter".
  3. Include a link to my web site at

The easiest way to meet those requirements and save yourself some time and effort is to put the following introduction at the top of each reprint you distribute to your staff or members:

The article below is reprinted from Jeff Judy's biweekly banking e-newsletter, Jeff's Thoughts. Principal of Jeff Judy & Associates, Jeff has more than thirty years' experience as a banker, trainer, and consultant. His conversations with hundreds of bankers, support staff, board members, and bank managers every year reveal what is really going on in everyday financial services practices. A nationally known trainer serving individual banks, bank holding companies, major banking schools, and trade associations at state and national levels, Jeff also consults with bank leadership on policy, process, and culture. Visit or e-mail Jeff at

You may want to visit my Press Kit for standard "author's bio" blurbs and photos.

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If you want to reprint my content in trade journal, or as a handout at a workshop or convention, please contact me with details.

Articles from Past Issues of Jeff's Thoughts