Tag: 上海的夜生活描述

Credit unions are not-for-profit, we’re for members

first_img 93SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Tansley Stearns Tansley is a dynamic force of nature, fiercely crusading on behalf of all credit unions while tirelessly driving forward the brand image and family spirit of Canvas. She joined us … Web: https://www.canvas.org Details A recent MarketPlace.org article attributed credit union growth to lax regulations. Headlined with “As relaxed regulations spur credit union memberships, banks cry foul,” the article touts how credit unions have grown 60% over the last 20 years.Well of course we’ve grown, credit unions are awesome for people and small businesses. That said, unfortunately, we are not exploding across the financial market. In fact, statistics shared from this year’s Credit Union National Association (CUNA) Governmental Advocacy Conference (GAC) include the disheartening fact that our market share in the financial industry “hasn’t budged from 7% over the last three decades” and while more Americans are aware of credit unions, “among non-members, 72% don’t necessarily dislike credit unions. They simply don’t consider them as part of their decision process.”As an industry, we need to own our lack of growth. Collectively, we must do a better job of sharing our story and telling human beings why credit unions are a better choice. It has become a cliché to say that we are the “best kept secret.” We must invest in marketing. Just like the CUNA 2019 “Open Your Eyes” campaign touts, it’s time for credit unions to help consumers open their eyes to credit unions. We must tell our story in a way that focuses on the benefits we deliver, the impact we create, and the people we help.It’s a great thing that there is a credit union out there for everyone, no matter where you work or live. As modern and sophisticated financial institutions, we are dedicated to putting our members in control because we are accountable to our members, not shareholders. That accountability means that all of our resources stay focused on helping our members turn their dreams into reality.The good news is that when we do tell our story and consumers use us, they love us because it makes a positive impact. The MarketPlace article relates the wonderful experience of three college students who embraced joining a credit union. Each one referred their next roommate to the benefits of being a member. Again, this is not based on any “looser” laws enabling a nefariously new daisy chain connecting potential members, nor is it a new “phenomenon.” Depending on each credit unions’ charter, the Federal Credit Union Act supports extending membership in a variety of ways, including family and yes that also includes members of the same household. This is how it’s worked for decades.We’re here to help people and when that happens, it’s natural and very positive that those people tell their friends. The MarketPlace article points out that credit unions save their members about $12 billion a year, a point CUNA detailed directly to the U.S. Congress earlier this year. The March 27, 2019, CUNA release states “There are over 115 million credit union members who benefit by $12 billion a year as a result of paying fewer and lower fees, lower loan rates and earning higher rates on deposits. Here are just a few of the ways this plays out for credit union members across the country:Credit unions’ new vehicle loans are 1.78% lower than other financial institutions, according to the December 2018 NCUA’s Credit Union and Bank Rates.Credit union members save about $1,000 in interest paid over a five year loan based on those December 2018 statistics provided by NCUA’s Credit Union and Bank Rates data. This is based on financing a $25,000 new automobile for 60 months at a credit union will save a member an average of $200 per year in interest.Credit union members earn 2.5X more interest on their savings with credit unions versus banks (CUNA, Open Your Eyes Campaign).Don’t all of us desire to create positive impact for hard working people? It’s hard to believe that more consumers saving more money, paying less interest and ultimately creating a path to financial success is anything other than tremendously positive.Credit unions were first formed to ensure that working class Americans could have access to lower cost credit and a safe place to save their money. Credit unions take the money earned, and invest it back into the products and services provided to our members. It’s also what makes us a not-for-profit member-owned cooperative that does not pay corporate taxes, so we can provide those lower loan rates and higher savings rates to the average person.As efforts are made to change regulations for us, it is a subtle reminder that credit unions did not require a financial helping hand or additional oversight more than a decade ago to stay true to our members. And, we don’t require that now.At Canvas, we’re dedicated to helping more people afford life and embrace being a financial by-your-side guide for our members. It’s working. In 2018, Canvas Credit Union helped our members obtain access to more than $2.1 billion in affordable loans. Canvas serves nearly 10,000 local small businesses. Also, in 2018, we awarded $56,000 in scholarships, donated $200,000 to local charities, and supported our staff volunteering 1,372 hours. And, we’re not slowing down.We’re proud credit unions save their members about $12 billion a year as cited by MarketPlace. But we won’t stop there. Let’s help human beings, communities, and small businesses open their eyes to all credit unions’ have to offer.last_img read more

Kisner keads Penn Hills into showdown at Woodland Hills

first_imgBILLY KISNER (Photos by William McBride)Penn Hills quarterback Billy Kisner rushed for two touchdowns and threw a touchdown pass in the Indians 55-28 win over Seneca Valley, The Indians will have a showdown against rival Woodland Hills on Friday, Oct. 24 at 7:30 p.m.ISIAH JONES of Penn Hills sprints 70 yards for a touchdown in the Indians 55-28 win over Seneca Valley TE’SHAN CAMPBELL of Penn Hills rushed for two touchdowns to help the Indians to a 55-28 win over Seneca Valley in WPIAL action. (Photos by William McBride)last_img read more

More RB Fields Converting to Artificial Turf

first_imgBy Rick MalwitzRED BANK – Red Bank Catholic High School Athletic Director Joe Montano will likely spend less time next spring peering out his windows, wondering whether to postpone a baseball or softball game due to rain.The grass and dirt – and often in the spring, the mud – playing fields at Count Basie Park are being replaced by artificial turf.“It will make my job a lot easier,” said Montano, whose job includes helping judge whether a field is ready for play.RBC head baseball coach Buddy Hausmann is also looking forward to the change. “I’ll be in bed and at midnight I’ll hear rain on the roof, and the rest of my night is shot,” he said. “What’s the field like? Can we play?”Based on the history of the performance of FieldTurf – the maker of the artificial turf to be installed here – such questions should not be a problem, said Borough Administrator Stanley Sickles. “You can have a downpour and 15 minutes later the field is ready to play,” he said.During the Borough Council meeting on Aug. 8, the governing body entered into an agreement with Tarkett Sports, manufacturer of FieldTurf. The council also amended a longstanding agreement with Red Bank Catholic High School, a primary user of the playing fields.The football field at Count Basie Park, also used by RBC, already has a FieldTurf surface. By next spring the artificial turf will be added to fields used for Little League baseball, high school baseball and softball, lacrosse, field hockey, and soccer.Five years ago a FieldTurf surface was installed at the baseball field at Rutgers. “It has performed above our expectations from the very beginning,” said Rutgers coach Fred Hill. “Our players really like it. We get a lot of consistent play from the surface. It is especially beneficial where the weather has many changes,” Hill added.The football field at Rutgers Stadium also has a FieldTurf surface that in 2004 replaced a grass playing field that was often difficult to maintain due to its proximity to the Raritan River.Seton Hall University and Kean University have baseball fields with artificial turf. East Brunswick High School is the lone school in Central New Jersey with an artificial turf field for baseball.Hausmann said some of his players have played on one of five artificial turf fields at Diamond Nation, a private facility in Flemington that hosts scores of games and tournaments.The only downside, said Hausmann, is the heat of the surface. “Last week we had a soccer camp (at the football fields) and kids were complaining their feet were on fire,” he said.Rain is not the only problem with natural grass fields, according to Hausmann. “In the beginning of the season the grass does not grow and the field can be rock hard. By the end of the season it has to be cut maybe twice a week.’’The new artificial turf is part of a plan to renovate Count Basie Park in compliance with the Americans with Disabilities Act. Renovations will include new walking paths, a concession stand, and restrooms. The estimated cost is between $1.8 million and $2.0 million.Funding will come from Monmouth County and state grants, a $500,000 contribution from Red Bank Catholic High School, and between $500,000 and $750,000 the borough will raise with a bond, according to Sickles.One grant of $60,000 is from Major League Baseball through its Baseball Tomorrow Fund. That grant will help fund the new playing field at the field currently used by Little League baseball and high school softball.The adjacent field will be a baseball field with Major League dimensions.Red Bank Catholic High School, according to Sickles, has been a “wonderful partner” in the maintenance of Count Basie Park.The school’s $500,000 contribution, which will be spread over 10 years, “was one of the things that made this possible,” Sickles said.The high school paid for the last renovation of the grass baseball field and other improvements, including the football scoreboard.“It is a great partnership,’’ Montano said.last_img read more