September 21, 2021

What’s on your ‘overdraft program’ checklist?

first_img 17SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Cheryl Lawson Cheryl has more than 30 years of experience in financial operations, consulting, communications, training and project management. She joined JMFA in 2001 and currently serves as the compliance liaison for … Web: Details Lists are all the rage. Grocery lists, to-do lists, bucket lists and more. On a larger scale, we use lists to define the “must-haves” for just about anything.  Love ‘em or hate ‘em, they work for many people.  Proponents state that lists make them more organized, intentional and successful―and list-making provides purpose and structure to help achieve a sought-after result.As problem-solvers in the financial services industry, we agree that having a checklist is always beneficial. Your credit union is bound by order, processes, regulations, and much more. Accordingly, a roadmap of actions can help you serve the needs of your members.  They’ll appreciate a logical approach which can help them understand the value of your products and services.  And more importantly, it will strengthen your account holder relationships.  The same can be said for a successful and fully-disclosed overdraft program. By answering “Yes” to these three items―and getting to “Yes” for any that remain―your credit union’s program can contribute more to your initiatives’ success.  Has complacency led to non-compliance?A stagnant regulatory climate or a prolonged period of inactivity or indecisiveness can lead to lax practices, and even abuse. Having an overdraft program with dynamic limits, or changing the transaction posting order may be strategies you’ve considered. Unfortunately, they may not only potentially lead to excessive fees for members, but your credit union could be at greater risk for deceptive practices.  Conversely, a fully-disclosed approach protects against deception. Fees are established upfront and are well-communicated to avoid any confusion.  Moreover, it discourages your account holders from resorting to higher-priced or even unscrupulous or unregulated alternatives.  Are members well-informed and do they see value in the service?If they have never used an overdraft service, they may not even know it exists. Awareness of the program, its accessibility and convenience requires ongoing nurturing.  Look no further than the countless studies on consumer behavior.  Let’s face it, your account holders often need a gentle reminder about the products and services you offer. By sharing information that speaks to availability, benefits and fees in the most general, but fully-informative terms, account holders are educated so they can make well-informed decisions about their finances. A knowledgeable and helpful staff combined with regular communication breeds overall trust.  Does your program take a short-sighted approach to revenue?Simply raising your overdraft fee is not the solution. While this may lead to a spike in near-term performance, it is often accompanied by account holder resentment or abandonment. Instead, offering a transparent, fully-disclosed overdraft program at a reasonable rate can produce improvements in both revenue and member satisfaction.  Value in the form of reasonably-priced, user-friendly products and services is the better solution.When it comes to evaluating your credit union’s overdraft program, hopefully these “must-haves” will be on your checklist.last_img read more

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Scholes urges Man U to target Kane over Sancho

first_imgRelatedPosts Ighalo: My best moment as ‘Red Devil’ EPL: Crystal Palace stun sloppy Man U EPL: Red Devils attack Palace Paul Scholes says Manchester United lack a prolific centre forward and should prioritise a move for Tottenham Hotspur striker, Harry Kane, over Borussia Dortmund winger, Jadon Sancho.United have been heavily linked with a move for the 20-year-old Sancho. But media reports say the club have baulked at Dortmund’s valuation of around 100 million pounds ($131 million)England captain Kane signed a six-year contract extension with Spurs in 2018 but said in March he could leave if they do not progress in the right direction.Scholes, who won 11 Premier League titles with United, told BT Sport: “Don’t get me wrong, Sancho is a top-quality footballer, I think he would improve any team in world football.“His stats say that he is a goalscorer, he will make and score lots of goals.“I just think we already have three forwards or wide men that are very similar to Sancho, possibly not quite as good as him. “But potentially, I think they could be.”Scholes said Kane is the out-and-out goalscorer United need right now.He said: “I think if that is Harry Kane you are talking about, I would be more desperate to sign him than Sancho at this stage.“I just think United need a centre forward, a real No.9, a real goalscorer and Kane would be that man for me.”Reuters/NAN. Tags: Borussia DortmundHarry KaneJadon SanchoManchester Unitedpaul scholeslast_img read more

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Taking 2021 Cup of Nations from Ivory Coast ‘stupid’, says Aurier

first_img“I’m shocked, I don’t understand this decision,” Tottenham full-back Aurier told French television channel Canal+.“For me, it’s a shambles, a matter for politicians. It’s a pity, it’s a stupid decision. As a player, we want this CAN in 2021 in our country.”CAF president Ahmad Ahmad told AFP on Monday that the body is “expecting” a response from the Ivory Coast after it was offered the hosting rights for 2023 instead.Share on: WhatsApp Abidjan, Ivory Coast | AFP | Ivory Coast defender Serge Aurier on Monday slammed the “stupid” decision of CAF to strip his country of the right to host the 2021 Africa Cup of Nations.The Confederation of African Football (CAF) finally announced their long-anticipated decision to take the 2019 finals away from Cameroon due to delays in the building of infrastructure and a fragile security situation.But instead of just replacing Cameroon as hosts, African football’s governing body opted to offer the country the 2021 edition, which had originally been awarded to the Ivory Coast.last_img read more

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Fisher Jones Family Dentistry Helps Big Brothers Big Sisters Eclipse Fundraising…

first_imgSubmitted by Allison Barker for Fisher Jones Family DentistryJoann Bell spoke at the auction about the impact that Big Brothers Big Sisters has had with her three sons.When the news was delivered, I was thrilled and overjoyed.  Big Brothers Big Sisters of Southwest Washington had raised over $225,000, more than $100,000 more than last year!On Saturday, October 5, 2013 nearly 400 people attended the Big Brothers Big Sisters of Southwest Washington Auction at Great Wolf Lodge.  It was a fun-filled and inspiring evening that helped showcase the local non-profit organization.  The black-tie fundraiser raised money to fund matches between Bigs (adults) and Littles (kids) right here in our community.Many of us are blessed to have a family that we spend quality time with.  We enjoy our weekends together, sit down to family dinners, visit local attractions, and cheer at sporting events.   These are some of life’s little blessings, all of which are often taken for granted.Many children, in our community, are missing these valuable experiences.  Some families have been split and some children do not have parents that can be with them all the time.  These children are without a positive role model, and there are many of these children right here in our community.A positive role model is someone who a child can rely on for guidance,  a person they can look up to and will serve as a vital part of a child’s growth into an adult.My husband, Garrett Barker, and I were pleased to be part of raising funds for Big Brothers Big Sisters of Southwest Washington.Enter Big Brothers Big Sisters of Southwest Washington.  Our Olympia office provides an amazing service of matching children with a positive mentor.  It costs Big Brothers Big Sisters about $1,500 per year to facilitate and support each match.After a comprehensive background check and application process, a match is made based on common interests and personalities.  Once a Big and Little are matched, they receive continuous professional support, which includes contact between each Big, Little and the parent/guardian and professional staff.  Big Brothers Big Sisters ensures that the relationship is growing into a positive, healthy, safe environment.  This organization strongly believes that children have the right to succeed in life, no matter what their situation may be.I donate my time every year to be a part of this growing organization.  I do it because I believe every child should be surrounded by loving, positive people that help teach, encourage and uplift them.  I am extremely blessed to have grown up with so many wonderful influences, and I truly believe that Big Brothers Big Sisters can help do that for so many youth in our community.  The staff and volunteers are making a difference in people’s lives, and that fills me with such joy and gratitude.What can you do to help make an impact on children’s lives in our community?  Volunteer, donate, become a Big!  Our local dental office, Fisher Jones Family Dentistry, proudly supports the growth of our youth in the community and has become a financial supporter of the organization.  Big Brothers Big Sisters of Southwest Washington has four major fundraising events throughout the year: the BIG Breakfast, Bowl for Kids Sake, the BIG Swing Golf Tournament, and the BIG Auction.  Get involved, attend one of these fabulous events – they are fun, and they help to raise the much-needed funds to support the Big Brothers Big Sisters office of Southwest Washington.Think outside the box, and be aware of other’s lives and stories.  Help your community to be the best it can be.To learn more about Big Brothers Big Sisters of Southwest Washington visit or call 360-943-0409 Facebook63Tweet0Pin0last_img read more

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first_imgARCADIA, Calif. (April 7, 2016) – Sitting off pacesetter Hijra throughout, Havanna Belle relaxed well under Flavien Prat and the pair bided their time waiting until they approached the quarter-pole to overtake the leader en route to a 6 ½ length victory in Thursday’s $65,000 Santa Anita Allowance feature, covering one mile on turf in 1:35.88. Trained by Phil D’Amato, the 4-year-old Irish-bred filly by the Galileo stallion Teofilo notched her third stateside win.Sitting closer to the lead in both her most recent starts, Havanna Belle went off as the 4-5 favorite in a field of six older fillies and mares and paid $3.60, $2.80 and $2.10.Owned by Michael House, Havanna Belle picked up $39,000 for the win, boosting her lifetime earnings to $151,158. Including six starts in Ireland, her overall mark now stands at 16-4-1-2.Ridden by Brice Blanc, Fasnacloich sat behind the leaders and was game for the place, finishing a nose in front pacesetter Hijra. Off at 4-1, Fasnacloich paid $4.60 and $3.00.Hijra, who was ridden by Martin Garcia, lead throughout but could not hold off Havanna Belle and runner-up Fasnacloich late and finished 1 ¼ lengths clear of All Star Bub. Off at 2-1, Hijra paid $2.20 to show.Fractions on the race were 23.51, 47.67, 1:11.61 and 1:23.58.First post time for an eight-race card on Friday at Santa Anita is at 1 p.m. Admission gates open at 11 a.m.last_img read more


Sports Briefs

first_imgBlatter faces judgement by FIFA ethics court ZURICH (AP): In the waning days of his presidency, Sepp Blatter attempted to save his job yesterday at the FIFA ethics committee that he helped create and whose authority he does not recognise in his case. The suspended FIFA president had been expected to tell four judges that he is innocent of wrongdoing during the hearing at the headquarters of soccer’s governing body, the first time Blatter has entered the building since he was banned for 90 days in October. “Blatter looks forward to a decision in his favour because the evidence requires it,” Blatter’s lawyer, Richard Cullen, said in a statement after the hearing. “The evidence demonstrates that president Blatter behaved properly and certainly did not violate FIFA’s Code of Ethics. This investigation should be closed and the suspension lifted.” With a large bandage on his face, Blatter arrived at FIFA headquarters shortly after 8 a.m. local time in a chauffeur-driven car for a hearing that was scheduled to start at 9 a.m. A spokesman for Blatter, Thomas Renggli, said the Swiss official has had a minor procedure to treat a skin problem on his right cheek. At 5 p.m., Blatter and lead lawyer Lorenz Erni drove away from the building without making any comment. Suarez hat-trick sends Barcelona into final YOKOHAMA, Japan (AP): Luis Suarez made up for the absence of a sick Lionel Messi and injured Neymar, scoring a hat-trick on Thursday as Barcelona beat Guangzhou Evergrande 3-0 to advance to the final of the Club World Cup. Suarez put Barcelona ahead just before half-time, hammering in a rebound off Ivan Rakitic’s long-range effort that was parried by Guangzhou goalkeeper Li Shuai. The striker made it 2-0 five minutes after the break when he controlled a pass from Andres Iniesta off his chest and beat Li with a right-footed volley. He put the result beyond doubt with a penalty kick after Huang Bowen took down Munir El Haddadi in the area. Barcelona will face South American champions River Plate in the final on Sunday. Ukrainian club Dnipro faces European ban NYON, Switzerland (AP): UEFA says Dnipro Dnipropetrovsk, last season’s Europa League runner-up, faces being banned from playing in Europe unless $1.9 million in overdue payments are settled by next month. The Ukrainian club owes $910,000 to other clubs and $980,000 to staff. Dnipro have until January 31 to make the payments or UEFA will ban the club from the next European competition that they qualify for in the next three seasons. The club has been affected by the political and economic turbulence that has rocked Ukraine.last_img read more

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Tottenham ready to focus on Dembele as Modric’s replacement – report

first_imgFulham playmaker Moussa Dembele could now be Tottenham manager Andre Villas-Boas’ number one target to replace Luka Modric, the Daily Mirror suggest.Dembele is a fans’ favourite.On Sunday it was reported that Spurs could move for Dembele if Porto refused to lower their asking price of £25m for Joao Moutinho.Now that asking price is put at £30m and it is claimed Tottenham are ready to target Dembele once Modric completes a move to Real Madrid.Dembele reportedly has a £15m release clause in his Fulham contract.Meanwhile, a number of Monday’s papers pick on Joey Barton’s latest comments on Twitter.The controversial midfielder has hit out at QPR’s treatment of him and says he is keen to complete a move to Marseille.This page is regularly updated.See also:Duo are back-up options for Spurs ahead of £50m spree – reportFollow West London Sport on TwitterFind us on Facebooklast_img read more

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SA Airways appoints first black chief pilot

first_img27 May 2014 Captain Eric Manentsa has been appointed as the first black chief pilot at South African Airways. The announcement was made last Wednesday by then Public Enterprises Minister – now Home Affairs Minister – Malusi Gigaba. Manentsa’s appointment, effective as of 1 June, follows the retirement of Captain Johnny Woods as chief pilot and head of flight operations. Gigaba described the appointment as a proud moment for the airline and a milestone for the country as it celebrated 20 years of democracy. As the chief pilot, Manentsa will be responsible for the day-to-day functioning of the airline’s 800 pilots, ensuring that the company remains compliant to local and international regulations. Manentsa has been flying for South African Airways (SAA) for 20 years and has been the fleet captain on the airline’s A319/A320 fleet for the past six years. He has 30 years of experience in aviation in South Africa and has amassed over 14 000 flying hours to date. After obtaining his commercial licence in 1987, he worked for the Department of Transport in the former Ciskei, and for the Department of Defence while completing officer and junior command staff courses at the South African Air Force College. He joined SAA in 1994 as an in-flight relief pilot on the Boeing 747 for nine months before flying as a first officer on the Boeing 737 on SAA’s domestic and regional network. He also flew the Airbus A320s, and when these were phased out he flew as senior first officer on the Airbus A340s. Manentsa played a prominent role in the formation of the original SAA Cadet Pilot Programme, and was also a key figure in the airline’s efforts towards to transform the flight deck. Source: read more

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Exit Activity Up 25% in 2010, as Signs Point to 2011 as “The Year of the IPO”

first_imgTop Reasons to Go With Managed WordPress Hosting “Exit activity is staging a comeback but capital netted lagged as large M&As and IPOs were still uncommon in 2010,” said Jessica Canning, director of global research for Dow Jones VentureSource. “While it isn’t clear if companies with blockbuster potential – like Facebook and Groupon – will come to market in 2011, there is a healthy IPO pipeline. Currently, 44 companies are registered to go public, up from 25 at this time last year.” Indeed, there has been much speculation about 2011 being the year of the “blockbuster tech IPO,” particularly following recent funding rounds by Groupon and Facebook.The report from Dow Jones VentureSource offers promising news, even if these “blockbuster” IPOs don’t materialize this year. “After holding back on acquisitions the last couple of years, corporations found themselves with a significant amount of cash on hand and the need make strategic acquisitions to maintain a competitive edge,” said Scott Austin, editor of Dow Jones VentureWire. “Combined with rising valuations that made investors and entrepreneurs more inclined to sell, M&A picked up – a trend likely to continue into 2011.”Photo credits: Flickr user John Manoogian Tags:#start#tips A Web Developer’s New Best Friend is the AI Wai… Related Posts audrey watters Exit activity for venture-backed companies moved closer to levels seen prior to the recent economic downturn, according to figures released today by industry tracker Dow Jones VentureSource. 514 companies achieved liquidity in 2010, netting $39.3 billion, a 25% increase in exits from 2009.46 venture-backed companies went public in 2010, raising $3.4 billion. That’s a five-fold increase from the 8 IPOs that raised $903 million in 2009. M&A activity did drop off in the fourth quarter of the year, but overall it was ahead of 2009 as well, with 445 M&As raising $33.9 billion.While the number of exits and the capital gained through them were up, these figures still don’t match 2007 levels. Why Tech Companies Need Simpler Terms of Servic… 8 Best WordPress Hosting Solutions on the Marketlast_img read more

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State of the Industry: Camera Operators & Cinematographers

first_imgHow much do camera operators earn? We’ve created an infographic of recent statistics showing the locations where camera operators and cinematographers earn the most.Recent data from the US Bureau of Labor and Statistics shows a large disparity in the annual wages of ‘camera operators’ across the United States. Whereas the annual mean camera operator salary in Bethesda, Maryland (near Washington, DC) is approximately $75,000, the average salary for a camera op in Idaho is more than half that ($32,110).Let us know your thoughts on the data! How does your state stack up?Share in the comments below![Click image for larger view or download]Note, there was not a distinction in the data between ”videographers’, ‘cinematographers’ and ‘directors of photography’ – it would appear that each of these titles has been lumped into a generalized ‘camera operator’ title. However, motion picture/video and television are broken up, giving some insight into the type of projects these camera operators work on.For more info see the Bureau of Labor and Statistics data on ‘camera operators’.last_img read more

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