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Can I join your credit union? The burning question of potential members

first_img 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Sam Brownell Sam has worked in the credit union industry for over ten years. He thinks every American should be a member of a credit union. In 2014, he founded CUCollaborate with … Web: https://www.cucollaborate.com Details There are a few different options that are currently on the market for finding the perfect credit union match. If you search “find a credit union” in Google, the first relevant searches bring up the NCUA’s Credit Union Finder and a handful of others, but it only shows consumers local branches based on geography, and as we all know, many credit unions’ fields of membership don’t work that way. The next steps suggested by the NCUA’s website is to read a credit union’s field of membership rules and to search for them on the credit union’s website. As an industry we are asking the consumer to do far more work than necessary; they will follow the path of least resistance, which is likely a bank. We must make it as simple as possible.None of these options address a member’s eligibility based on a credit union’s field of membership rules until now. CUCollaborate has developed a tool called CreditUnionMatch available to credit unions to help with the hurdle of eligibility. Our tool helps capture basic information from the potential member, analyzes every possible credit union’s field of membership rules and sends it to the credit union for which they’re eligible. Not only can you market to potential leads based on the information we have gathered for you, but you can also understand how that member qualifies for your credit union.The cooperative credit union community should focus on more people being able join any credit union, not just their own – although that of course would be sweet! To be able to do this, we need to have the ability to capture anyone that is eligible to join any credit union and collaboratively raise the awareness, esteem and membership in credit unions.The main point is that the credit union industry as a whole would do well to designate one system used across the board for membership eligibility. We shouldn’t be competing with each other to have the best tool; we should be collaborating to ensure that the field of membership confusion is not a barrier to consumers discovering credit unions’ not-for-profit, mission-driven services. Credit unions are the best consumer financial solution, and CUCollaborate wants more to know it and join! This question often plagues consumers’ decisions whether to choose your credit union as their financial institution. According to CUNA’s research, 40% of consumers believe they cannot join a single credit union. Over the last few years, a digital campaign launched to help credit unions clear up this mystery for consumers. This effort is a significant first step for educating potential members about the benefits of a credit union, but what happens after that? With so many different charter types and specific field of membership rules, consumers just need to learn whether they can join a particular credit union. Credit unions’ 10% market share demonstrates their failure to gain traction with American consumers.The credit union difference resonates with consumers. CUNA Awareness Initiative research demonstrated very strong positive responses from consumers on basic credit union characteristics:87% responded favorably to the idea that credit unions return earnings to their members.83% provided a favorable response to the fact that their boards are elected members82% responded that credit unions’ not-for-profit status was favorable.FOMs are the chief culprit. Two major problems stem from credit unions’ fields of membership, which will only worsen if credit unions and their business partners do not take action.Until now it has been nearly impossible to determine all of the credit unions a consumer is eligible to join. As a result, consumers usually don’t even find credit union offers when they shop for financial products online using sites like LendingTree, Credit Karma, Bankrate.com, and NerdWallet. Those sites cannot determine consumers’ eligibility, so they don’t bother to include credit unions. Millions of consumers who are using these sites—and millions more—are missing out on great money-saving opportunities from their credit unions, and your credit union is missing out on solid, tech-savvy members!A mere 10% successfully obtain membership from credit unions through online applications, reinforcing the notion that credit unions are not easy to use. In addition, 30% of the consumers on average who do complete applications are denied membership based on their credit. The result: 89% of consumers who start online applications with credit unions fail to get the product they wanted.last_img read more

Inner city

first_imgTo access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week. Would you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletterslast_img

Sent off for a cough? FA issues guidelines to referees

first_imgPlayers who deliberately cough at opponents or referees can be shown red or yellow cards under new guidelines issued by England’s Football Association (FA) amid the COVID-19 pandemic.The instructions to referees taking charge of games when COVID-19 restrictions are in place will come into force immediately and be applied at all levels of the game.The FA document file for referees said action should be taken when “the referee is certain someone deliberately, and from close range, coughed into the face of an opponent or match official…” It added that the offense would fall under the category of “using offensive, insulting or abusive language and/or gestures”.”If the incident was not severe enough to merit a sending-off, a caution could be issued for ‘unsporting behaviour – shows a lack of respect for the game’.”The document added that referees must not look to punish “routine” coughing and should remind players to avoid spitting on the ground, although it is not an act of misconduct.Topics :last_img read more

Wolf Administration’s PA Prescription Drug Monitoring Program Sharing Data with 10 Other States and D.C.

first_img SHARE Email Facebook Twitter Wolf Administration’s PA Prescription Drug Monitoring Program Sharing Data with 10 Other States and D.C. National Issues,  Press Release,  Public Health,  Results,  Substance Use Disorder Harrisburg, PA – The Wolf Administration’s Department of Health today announced that the Pennsylvania Prescription Drug Monitoring Program (PA PDMP) is now sharing data with drug monitoring programs in 10 states and Washington D.C.“We are pleased to be working with other states to stop prescription drug abuse because the issue of addiction doesn’t stop at Pennsylvania’s border,” Governor Wolf said. “Sharing this information will help curb doctor shopping and save lives. We will soon connect with even more states to ensure the greatest level of protection for every Pennsylvanian.”Users of Pennsylvania’s PDMP can now see if their patients have filled controlled substance prescriptions in: Connecticut; Illinois; Louisiana; Massachusetts; New Jersey; New York; Ohio; Virginia; West Virginia; and Washington D.C. Additionally, a one-way sharing connection has been established with Maryland, enabling their program users to search the PA PDMP.“This interstate sharing of patient data helps providers get a more complete picture of their patients’ controlled substance prescription histories, regardless of which state they filled their prescription in,” Department of Health Secretary Karen Murphy said.The Department of Health’s Prescription Drug Monitoring Program office manages the PA PDMP system, which collects Schedule II-V controlled substances data and stores it in a secure database only available to health care professionals and others as authorized by law.The PA PDMP system has improved the quality of patient care in Pennsylvania by providing prescribers and dispensers access to information about all controlled substances dispensed to their patients. This system also assists prescribers in referring patients with the disease of addiction to appropriate treatment.Health information in the PA PDMP system is protected by the Federal Health Insurance Portability and Accountability Act of 1996 (HIPAA) and other state laws. The HIPAA privacy rule and state law protect the privacy of individuals’ health information.Pennsylvania residents and/or patients, licensed medical professionals, and users of the system can request information by contacting the PA PDMP office at RA-DH-PDMP@pa.gov.For more information, please browse the PA PDMP website for the latest updates at www.doh.pa.gov/PDMP.center_img June 29, 2017last_img read more

New data reveals Brisbane’s singles hotspots and why you might need to move for love

first_imgAverage rents also sit at $620 for houses and $440 for apartments. Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 0:55Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:55 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD540p540p360p360p270p270pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenWhere are all the singles?00:56 Certain locales dished up the highest percentage of unattached adults – St Lucia and the Brisbane CBD – while other proved to be skewed more towards one sex. Dutton Park was a hotspot for single men, with 44 per cent of male residents being unattached, while Albion had the highest number of single ladies, at 39 per cent. Where you can buy a city pad in Australia for less than a luxury SUV But if all the single ladies threw their hands up, they would outnumber the solo fellas by 44,000. MORE NEWS: Qld suburb tops the nation Townsville residents are sitting on property gold after Adani coal mine approval Singles Brett Wilson, 30, Albion, Tom Quinn, 25, Nundah, and Carla O’Brien, 36, Wooloowin, Collingwood Black Espresso & Bar, Albion. Picture: Liam Kidston.Finder money expert Bessie Hassan said for those keen to relocate to find their match, certain suburbs offered better odds coupled with affordable real estate.“Singles in the market for a partner should check out Bowen Hills, with one of the more affordable entry prices – with an apartment costing $382,500 on average,” she said. “It’s a stone’s throw from the CBD, has fantastic train service and a high rate of singletons.”The median rent for an apartment in Bowen Hills is $430 a week, according to Core Logic data. Albion not only made the top 10 singles hotspots list, but also has an average apartment price of $340,000 and a median rent of $400 a week.“A suburb like St Lucia may be a single’s paradise but the property prices are more than double the Brisbane average so you need to ask yourself whether you’re willing to compromise financial security for love,” Ms Hassan said. 31/9 Durham Street, St Lucia, is on the market for offers over $350,000More from newsParks and wildlife the new lust-haves post coronavirus12 hours agoNoosa’s best beachfront penthouse is about to hit the market12 hours agoKangaroo Point also has a decent percentage of single adults but with a average house price of $3.8 million, many Brisbanites may find their budget only allows them to pop in to one of the local bars to check the Tinder goods, rather than forking out for a riverside abode. Professional matchmaker Linda Prescott, from Ideal Introductions, warned living in a suburb full of singles wasn’t necessarily the best way to find love. “It really depends on if you go out or not,” she said. “If you’re quite social and you’re out walking your dog, then for sure, but if you’re a bit of a homebody it doesn’t have any relevance at all.” And 1/421 Sandgate Road, Albion, could be yours for offers over $275,000Ms Prescott said in her experience people may also want to avoid dating someone who lives close by.“If you meet someone who goes to the same coffee shop as you or the same dog park and you go out on a few dates but you decide they aren’t the one for you, you then have to see them all the time,” she said. “It can be a bit challenging in that way.” Albion local Brett Wilson, 30, said judging by what he had seen on Tinder, there were quite a few single women in his suburb. The former sailor said it was likely the demograhic helped to create a lively feel in the area. “There always seems to be something happening in Albion, like live music on Fridays,” he said. Horticulturist Carla O’Brien, also unattached, said she wasn’t concerned that her suburb, Wooloowin, wasn’t one of Brisbane’s singles hotspots. Ms O’Brien said the marital status of potential neighbours wouldn’t influence where she chose to live in the slighest. Singles Brett Wilson, 30, Albion, Tom Quinn, 25, Nundah, and Carla O’Brien, 36, Wooloowin, Collingwood Black Espresso & Bar, Albion. Picture: Liam Kidston.IF YOUR suburb has more loved-up couples than potential love matches, a change in address could be all you need to find ‘the one’, with new research highlighting Brisbane’s singles hotspots. Analysts from comparison website Finder trawled through census data like a lonely Millennial on Tinder and found there were 689,000 singles in the river city. This one is listed at 1004/8 Lochaber St, Dutton Park for offers over $349,000“I think it is more age than relationship status that changes the vibe of an area. And kids defintely change the vibe,” she said. Single chef Tom Quinn lives in Nundah but works at the Collingwood Black cafe in Albion.“Albion seems popular with singles. There’s often that first date vibe going on at the cafe,” he said. “I wouldn’t move to be closer to singles. I’m close enought that I can commute in. If I lived in somewhere like Ipswich, for example. I would probably move.”last_img read more

MDL Scoops Up West Africa Project

first_imgMaritime Developments has secured a flexible installation project offshore Ghana.The work scope covers an installation of a flowline using MDL third-generation reel drive system, operated by the MDL offshore service team.The equipment was loaded out in components from MDL’s Peterhead, Scotland facility for road transportation to Cadiz, Spain to meet the client’s installation vessel. The vessel will then travel to Takoradi, Ghana to continue mobilising other aspects of the project.MDL supported the client by providing structural and draughting design to facilitate the vessel integration of the MDL reel drive system and MDL underbender structure. MDL supported the project team with deck planning, structural design, class approval interface and remote mobilisation support.Dave Gardiner, MDL BD & commercial manager, said: “We are extremely pleased to have secured this project and are looking forward to bringing the market’s leading reel drive system into West Africa, where we hope to see it operational over and above the current work scope.“We are also glad that we were able to demonstrate further project efficiencies to the client through our consultancy and engineering services. As the equipment provider we are best placed to advise the project teams on the most optimum deck setup to minimise lost time pre-mission, in port and at sea.”The project is expected to conclude in March 2019.last_img read more

Palace hits Ressa: She’s always exaggerating

first_img Panelo, however, refuted the veteran journalist saying that there was no threat to the Filipino journalists even if a report from the Committee to Protect Journalists showed that the country is the fifth most dangerous country for journalists. Ressa, in an interview with the CBS News 60 Minutes recently, claimed that the environment for journalists in the Philippines is “far worse than any war zone that I’ve been in.” “She’s always exaggerating. It’s only a war zone to those who are involved in drugs and who resist violently any warrant of arrest being served to them or when they’re the subject of a buy-bust operation and they violently resist as well as imperil the lives of the law enforcement officers,” Panelo said. Presidential spokesperson Salvador Panelo says Rappler CEO and founder Maria Ressa’s statement were just pure exaggeration. Ressa, who was arrested earlier this year due to cyber libel, violations of the country’s anti-dummy laws, and tax evasion cases, also said that the media have been “living through three years of this kind of hell.” “The fact is every journalist, whether here or abroad, is free to cover any event in this country; They come out alive and well and very good at reporting, even if sometimes exaggerating,” Panelo said.center_img Presidential Communications Secretary Martin Andanar said the environment for journalists, as perceived by Ressa, “isn’t reflective of the actual environment for journalists in the Philippines.” MANILA – Malacañang slammed Rappler CEOand founder Maria Ressa for claiming that the environment forjournalists in the Philippines under President Rodrigo Duterte was “far worsethan any war zone.” Presidential spokesperson Salvador Panelo said that Ressa’s statement were just pure exaggeration as he insists that the media scribes in the country were free to report for or against the administration. “The Philippines’ media environment is vibrant and alive. In fact, criticisms from all sectors of the media are welcomed and encouraged by the Duterte administration,” Andanar said./PNlast_img read more

College Football

first_imgAnother college football season got underway last week.  My alma mater, Purdue, looks like they might be able to score this year, but they still have no defense.  Oh, well, they are making progress in one area anyway.It is always interesting to see the first pre-season football ratings and then watch as the first week shakes out.  One of the big surprises was watching Texas A & M’s easy win over South Carolina.  It is obvious that the Aggies can win without Johnny Football.IU and Notre Dame are both off to good starts as is Ball State.  For those of you who root for the Cincinnati Bearcats, you have another week to wait before they even begin.  Their season start was delayed by some kind of schedule quirk brought about by wanting to play Miami of Florida a year ago over a lesser known opponent.I will talking more about these teams as the season progresses.last_img read more

#24 West Florida Out-Slugged #11 Pittsburg State 30-22, 30-24, 30-22

first_img Share #24 West Florida Out-Slugged #11 Pittsburg State 30-22, 30-24, 30-22 Oct. 14, 2007 Box Score  JOPLIN, Mo. – Only eighteen hours earlier, the West Florida volleyball team lost to Missouri Southern in three straight games, but a whole different looking team showed up against Pittsburg State. The Argos setter Madeline Gonzalez set up the offense with 53 assists, as three different hitters had double digit kills. Kimberly Clark led all hitters with 19, while Luciana Rapach had 14, and Isabela Gualberto added 13. Meanwhile, Linda Igbinigie paced the Gorillas with 13 kills.During the first game, Rapach and Igbinigie traded monster kills, until back to back kills from Jamie Nichols and Gualberto gave the Argos a three point lead that they never let go. Rapach and Gualberto ended game one with back to back kills, as UWF finished the first game with 21 kills and only four errors.Early in game two, there was a flourish of nice defensive plays. One particular point included spectacular sprawling digs by Ashlee Maple of Pittsburg State, Jerica Carter, and Jamie Nichols of West Florida, before the point ended with a big block by Rapach and Gualberto. Game two was very tight until Nichols and Clark had back to back kills to put the Argos up 24-19. Sammie Williams and Klaudia Grelowska countered big strong kills for Pittsburg State to close the gap, but Gualberto and Clark recorded back to back kills to close out the game.Game three was the Kimberly Clark show, as the Junior Outside Hitter put away 11 kills in the third game alone. Igbinigie and Grelowska matched her early in the game, and after a Pamela Cartagena kill, the Gorillas were ahead 15-13. Danielle Spitzer tied the score moments later with a powerful kill down the middle, and then a Rapach kill gave the Argos the lead at 18-17. Clark then took over down the stretch with four kills in the last six points for West Florida. Fittingly, Clark then pummeled a kill along the left sideline to end the match.West Florida Head Coach Melissa Wolter was pleased with the performance. “We were firing on all cylinders today, and to beat an outstanding team (Pittsburg State) you have to have multiple players play well, and we did. I was happy with the way our team responded to last night’s loss (3-0 to Missouri Southern). Today, we were very disciplined and stuck to our game plan. This was a great win for us against a solid team.”With the victory, West Florida improved to 24-3 on the season, while Pittsburg State dropped to 22-5 with the loss. West Florida had won 14 straight before losing to Missouri State on Saturday. Pittsburg State had won five straight matches before the loss. Both teams are ranked in the top four in the South Central Region.Jerica Carter lead all players with 24 digs, while Nichols added 10 for West Florida. Williams and Maple each had 13 digs for the Gorillas. Gualberto had five blocks for the Argos to lead all players with net defense. Spitzer hit an impressive .500 with 8 kills and only two errors for UWF. The Argos outslugged the Gorillas in kills by a 63-40 margin. West Florida’s next two matches are at home. Friday, October 19th, West Georgia comes to town for a 7:00 pm match, and Eckerd College takes on the Argos on Sunday, October 21st at 2:00 pm. The Sunday match is a breast Cancer Awareness Event, with T-shirts for the first 500 fans. Print Friendly Versionlast_img read more

Ring says family hacked by stranger used same password and username for multiple accounts

first_imgRing is reporting that it has found no evidence that it’s network was compromised in an incident where a New York family’s doorbell camera was hacked and their 13-year-old was terrorized by said hacker.The incident was reported in Staten Island.The family says the 13-year-old was home alone when he began hearing someone talking to him through one of the Ring cameras.The teen immediately unplugged the device, however, as soon as he went into another room in the home, the hacker reappeared.The family has since taken down all of it’s Ring cameras and reached out to Ring about the hack.Ring began investigating the incident and says it found that the family often used the same password and username for many of their accounts and the hacker was able to gain access to the Ring camera by compromising one of the family’s accounts not associated with Ring:“Customer trust is important to us and we take the security of our devices seriously. Our security team has investigated this incident and we have no evidence of an unauthorized intrusion or compromise of Ring’s systems or network.“Recently, we were made aware of an incident where malicious actors obtained some Ring users’ account credentials (e.g., username and password) from a separate, external, non-Ring service and reused them to log in to some Ring accounts. Unfortunately, when the same username and password is reused on multiple services, it’s possible for bad actors to gain access to many accounts.“Upon learning of the incident, we took appropriate actions to promptly block bad actors from known affected Ring accounts and affected users have been contacted. Consumers should always practice good password hygiene and we encourage Ring customers to change their passwords and enable two-factor authentication.”Despite the findings, the family is still warning others about the dangers of having Ring in the home.last_img read more