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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

Newcastle, Norwich relegated

first_imgLondon, United Kingdom | AFP |Newcastle United and Norwich City were relegated from the Premier League on Wednesday as Sunderland secured their survival with a one-sided 3-0 victory over Everton.Sunderland centre-back Lamine Kone’s first two goals for the club and a Patrick van Aanholt free-kick took Sam Allardyce’s side four points clear of danger with one game remaining. Norwich returned to the Championship a year after promotion despite a 4-2 win over Watford, while Newcastle, Sunderland’s arch rivals, will play in the second tier for the first time since 2010.It is the fourth season in a row that Sunderland have pulled off a late escape to avoid relegation and it guarantees the northeast club top-flight football for a 10th consecutive season.Allardyce was the architect of their surge to safety, succeeding the sacked Dick Advocaat in October and overseeing a late-season run that has seen them take 11 points from a possible 15.Share on: WhatsApplast_img read more

2019 Emmy Awards Promise Political Bent with Kaepernick and De Niro Nominated

first_imgThe hope for a light-hearted, non-politically charged Emmy Awards Show in 2019 went out the window with the nomination of former 49’ers QB Colin Kaepernick for his Nike commercial, “Dream Crazy” and actor Robert De Niro for his SNL performance. The Nike commercial “Dream Crazy” features Kaepernick along with other famous athletes like Serena Williams and LeBron James, who have made advancements in political and social causes.Nike’s stock value hit an all-time high after debuting the “Dream Crazy” ad in 2018.The commercial is nominated alongside entries from Netflix and Apple.The 71st Primetime Emmy Awards will honor the best in United States prime time television programming from June 1, 2018 until May 31, 2019, as chosen by the Academy of Television Arts & Sciences. The ceremony will be held on September 22, 2019, at the Microsoft Theater in Downtown Los Angeles, California, and will be broadcast on Fox.last_img read more

Five England players in St Andrews Trophy squad

first_img24 Mar 2016 Five England players in St Andrews Trophy squad Five England players are included in the 18-strong Great Britain and Ireland squad for the St Andrews Trophy match at Prince’s, Kent, on 20-21 July. They are Jamie Bower of Yorkshire, Scott Gregory of Hampshire, Bradley Moore of Derbyshire, Marco Penge of Sussex and Ashton Turner of Lincolnshire. Scotland’s Craig Watson will captain the nine-man team that will face the Continent of Europe in the biennial match. GB&I are bidding to retain the trophy following their 14-10 victory at Barsebäck in 2014, their first win in the match since 2008. Watson takes over from Welshman Nigel Edwards, who captained the team on three occasions. “I’m very much looking forward to the match and want to build on the success that Nigel and the team enjoyed two years ago in Sweden,” he said. “We have a strong group of players to call upon again this year and there is a good mixture of experience and youth in the squad. We know we will be in for a tough match at Prince’s so we have to pick the best team we can and the players will be working hard throughout this season to impress the selectors.” The St Andrews Trophy has been played alternately on British/Irish and mainland European courses since 1956. GB&I has won on 25 occasions and the Continent of Europe has won five times, including the 2010 and 2012 matches. The England players: Jamie Bower (Meltham) age 22 – has notched up two victories in 2016 at the Gauteng North Amateur and the Southern Cape Open in South Africa. (Image © Leaderboard Photography)? Scott Gregory (Corhampton) age 21 – runner-up in the 2016 Spanish Amateur and helped England win the Costa Ballena Quadrangular tournament. He tied fourth in last year’s European Amateur. Bradley Moore (Kedleston Park) age 18 – first reserve for the GB&I Walker Cup team, captained the 2015 GB&I Jacques Leglise Trophy team to a draw with the Continent of Europe and won the Carris Trophy.  Marco Penge (Golf at Goodwood) age 17 – played in the 2013 and 2015 GB&I Jacques Leglise Trophy teams and won three times last year: the Peter McEvoy Trophy, the Scottish Stroke Play Championship and the Sir Henry Cooper Junior Masters. Ashton Turner (Kenwick Park) age 20 – won the Darwin Salver last year and achieved a top ten finish at the European Nations Cup in Spain in February. The other squad members are: Ireland Jack Hume (Naas) – County Kildare Stuart Grehan (Tullamore) – County Offaly Alex Gleeson (Castle) – Dublin John Ross Galbraith (Whitehead) – County Antrim Scotland Ewen Ferguson (Bearsden) – Dunbartonshire Grant Forrest (Craigielaw) – East Lothian Jack McDonald (Kilmarnock Barassie) – Ayrshire Robert MacIntyre (Glencruitten) – Argyll and Bute Greig Marchbank (Thornhill) – Dumfries and Galloway Craig Ross (Kirkhill) – Lanarkshire Connor Syme (Drumoig) – Fife Wales David Boote (Walton Heath) – Surrey Owen Edwards (Llanwern) – Newportlast_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

Voters Approve RBR Referendum

first_imgLITTLE SILVER – In a special school election held Dec. 11, voters in three boroughs approved a $17.3 million capital improvements plan for Red Bank Regional High School. The first proposal included a new roof ($4 million), renovation of existing facilities ($4.6 million) and the construction of 10 new classrooms ($7.1 million) for a price tag of $15.7 million in addition to state funding. Of the 2,186 votes cast on the first referendum question, 69 percent of the voters said yes, and 31 percent voted no. The second proposal centered on replacing Red Bank Regional’s grass football field with a multisport turf surface ($1.6 million) and upgrading the facility’s restrooms and concession stand ($730,000) for a cost of $2.3 million. Of the 2,170 votes cast on the second question. 59 percent voted yes and 40 percent voted no. Part of that presentation focused on the $4.9 million in state aid the school is expected to receive toward the plan. “I think you need to maintain the standards of the school,” Bill said. “The proposal for the artificial turf is a little bit of add-on, I think. But I can see how that ties into maintaining the infrastructure of the property.” Red Bank Regional Superintendent Louis B. Moore said the school community also reached more than 400 residents over that span, each time stressing that if the plan was not approved, the potential to cut school programming would increase and school taxes would surge. The rapid growth cut into enrollment at Red Bank Regional’s respected five academies by out-of-district tuition-paying students. Tuition revenue decreased from $4 million to $2.8 million during that time period. “The big takeaway for me, aside from the fact that both questions passed, is that both questions passed in all three towns,” said Red Bank Regional Board of Education member Frank A. Neary Jr. in a interview with The Two River Times Tuesday night. With these improvements, board member Neary said all the data and projections he and the board possess shows Red Bank Regional in a “good position for the foreseeable future.” “We have some wonderful academic programs. We also have some great specialty programs in our academies. These renovations are going to bring our facility up to speed. We have the programs, we have an incredible staff, now we’re going to have the facilities that will allow us to continue to grow. Red Bank Regional is on a roll,” Moore added. After 2023, costs are expected to drop to $12, $13 and $15 per year, respectively, school board officials said. All of their children have attended Red Bank Regional. Now their grandchildren are preparing to enter the high school, and the Hanrattys were both motivated to cast “yes” votes in Tuesday’s election. Moore said the focus of the improvement plan was always academics. According to unofficial results published Wednesday by the Monmouth County Clerk’s office, Red Bank Regional school district voters in Little Silver, Shrewsbury and Red Bank approved a $17.3 million plan for upgrades to the school’s academic and athletic facilities. The reason why, Moore said, is because enrollment is on an upward trend at the Ridge Road high school. Over the past four years, classroom space had become tight due to growing in-district enrollment. Each homeowner will have a different tax burden depending on the town they live in and the assessed value of their home. According to the school board, the average cost to Little Silver residents will be an additional $23 per year. It will be an average of $22 more in Red Bank and $24 more in Shrewsbury. Neary spent the last six months championing the improvements plan to more than 60 school district groups. Bill and Margie Hanratty have been Little Silver residents since 1978 when the U.S. Navy stationed Bill at Naval Weapons Station Earle in the Leonardo section of Middletown Township. “This was an overwhelming show of support from all three communities, and I think that’s because this is a reasonable plan that was well thought out,” Neary added. “We were clear about this from the beginning. The academic program came first,” said Moore, noting that Proposal No. 2 for the turf field could not pass if Proposal No. 1 failed. “We’ve supported Red Bank Regional for many years and we’d like it to maintain its reputation,” Margie added. “We’re not in perfect condition. And no- body knows what’s going to happen 10 or 20 years down the road, but we think for a good amount of time this is going to be a very reasonable plan. It’s not the perfect plan. But it’s a reasonable plan. And the administration and staff here can make it work,” Neary added. Residents were asked to weigh in on two questions in the voting booth.last_img read more

MILLER’S CALIFORNIA DIAMOND & O’NEILL’S CROSSCHECK CARLOS FIGURE PROMINENTLY IN SUNDAY’S $70,000 SPEAKEASY STAKES FOR 2-YEAR-OLDS AT SIX FURLONGS

first_imgSILVER ASSAULT: Trained by Jerry Hollendorfer, this Kentucky-bred colt by Maclean’s Music was an impressive gate to wire winner of his five furlong debut at Santa Anita on June 25. In his next start, the Santa Anita Juvenile, he stumbled leaving the gate and was subsequently third, beaten 3 ¼ lengths at 5-2, by California Diamond. Idle since, he appears fresh and ready with Norberto Arroyo engaged to ride for the first time. Owned by Harvey Clarke and Paul Braverman, Silver Assault is a colt with considerable promise. Crosscheck Carlos–Jamie Theriot–122Right Hand Man–Rafael Bejarano–120Bernin Sensation–Stewart Elliott–120Marchtothemusic–Jose Verenzuela–118California Diamond–Kent Desormeaux–122Silver Assault–Norberto Arroyo, Jr.–120First post time on Sunday is at 12:30 p.m. Admission gates open at 10:30 a.m. For scratches, changes and complete morning line information, please visit santaanita.com. BERNIN SENSATION: Trained by Bob Baffert, this highly regarded Kentucky-bred by Bernardini just missed at first asking, finishing second, beaten a nose in a six furlong maiden special weight at Del Mar Aug. 26. Owned by R.D. Hubbard, his son Shaun and Black Gold Racing, he was a prompt one length maiden special winner gong the same distance at 4-5 on Sept. 24 at Los Alamitos. Bernin Sensation, who will be ridden back by Stewart Elliott, is one of several Speakeasy runners who appear to have any kind of future. ARCADIA, Calif. (Oct. 13, 2016)–Peter Miller’s California Diamond and Doug O’Neill’s Crosscheck Carlos renew their fledgling rivalry and figure prominently among a wide open field of six juveniles in Sunday’s $70,000 Speakeasy Stakes, to be contested over six furlongs at Santa Anita. RIGHT HAND MAN: Trained by Jeff Bonde, he was an impressive gate to wire winner of his five furlong debut here on June 10. A Kentucky-bred colt by Street Boss, Right Hand Man went head and head early and finished sixth, beaten 5 ½ lengths by California Diamond in the SA Juvenile on July 9. Following that, he ventured to Santa Rosa on Aug. 14, where he was a handy 2 ¼ length winner of the Cavonier Juvenile going six furlongs on Aug. 14. Owned by Blinkers On Racing Stable, Bonde, Wagner and partners, he be ridden for the first time by Rafael Bejarano. CALIFORNIA DIAMOND: This California-bred colt by Harbor the Gold overcame trouble to prevail by 1 ¼ lengths over Crosscheck Carlos in the 6 ½ furlong Barretts Juvenile on Sept. 18 at Los Alamitos. A close second in the six furlong I’m Smokin Stakes versus state-breds two starts back on Sept. 2, California Diamond, who is owned by Rockingham Ranch, has a solid resume that includes three wins and two seconds from five starts. A winner of the 5 ½ furlong Santa Anita Juvenile versus open company in his second start on July 9, he has earnings of $212,100 and will be ridden back by Kent Desormeaux, who has been aboard for his last two races. THE $70,000 SPEAKEASY STAKES IN POST POSITION ORDER WITH JOCKEYS & WEIGHTSRace 5 of 9                                                                                                                        Approximate post time 2:30 p.m. PST CROSSCHECK CARLOS: Breaking from the rail in the Barretts Juvenile, he made the early lead and was head and head until collared by the winner late on Sept. 18. Louisiana-bred, he was an impressive 6 ¾ length first-out maiden $50,000 winner here on June 12. He then shipped to Evangeline Downs, where he prevailed by a head among a field of 12 state-breds in a $100,000 stake over a sloppy track going 5 ½ furlongs on July 16. He was subsequently a well beaten second going six furlongs in a $100,000 open stake at Arapahoe Downs on Aug. 14, which preceded his run in the Barretts Juvenile at Los Alamitos. Owned by ERJ Racing, LLC, Slam Dunk Racing and Neil Haymes, “Carlos” is 4-2-2-0, with earnings of $117,600. –30–last_img read more