Why a credit union might be the smartest choice you’ve ever made

first_imgby: Rachel ProssI think all of us can look back on an “AHA!” moment when something really resonated or finally clicked. For me, that moment came in the days following an armed robbery at work. It was the fall of 2010, and I was a very green credit union CEO. My credit union, a relatively small financial cooperative of about fifteen million dollars in assets, had a whopping seven employees. Having a masked man point a gun at your face is one kind of “aha” moment for some people. It certainly was for many of my employees–some of whom called in sick, one who quit completely and never looked back, and some who took leaves of absence. When it came time to reopen the building, I was desperately short staffed. I picked up the phone and called a much larger credit union about two hours away that happened to use the same data processor as mine. Feeling a little frantic, I asked the CEO if he could spare one or two employees for me to borrow for a week or so, because I knew they could operate our computer system. I offered to pay salary, travel, food, and lodging. That CEO didn’t know me at all, but he immediately sent me FIVE employees. He wouldn’t let me pay a dime. He had my back, because I was a “credit unioner,” and credit unioners are family. That was my “aha” moment. That’s when I knew I had found an industry that I would be a part of for life.I’m often asked, “What’s the difference between a credit union and a bank?” For me, one of the best ways I’ve ever heard it explained is that credit unions are the not-for-profit balance to the credit structure of the United States. They’re member-owned financial cooperatives, meaning that earnings are returned to the members in the form of better rates on loans, higher yields on deposits, and fewer and lower fees. Our boards are elected by and for the members. Since credit unions don’t have stockholders, they exist solely to serve members. That’s it. No matter how small or big a credit union is, that fundamental cooperative structure remains the same. It’s pretty awesome, and it’s really the essence of “people helping people.” Imagine what the U.S. economy would be like without a not-for-profit balance and competitive presence in the financial services marketplace to help keep rates and fees in check. continue reading » 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Tourist awards for the ten best at the Days of Croatian Tourism

first_imgUniline Travel Company, Pula Spancirfest CULTURAL TOURIST ATTRACTION OF THE YEAR· Rector’s Palace, Zadar· Dvor Trakošćan· Museum of the city of Đurđevac Related news: TOURIST AWARDS AWARDED WITHIN THE CROATIAN TOURISM DAY As part of the traditional tourist event Days of Croatian Tourism, tonight the tourist awards for the best of the best in tourism were given in the following categories: Cultural, tourist attraction of the year, Tourist event of the year, Innovation in tourism of the year, Marina of the year, Restaurant of the year , Tourist Agency of the Year, Hotel of the Year, Tourist Destination of the Year and the Anton Štifanić Award – for lifetime achievement and person of the year.Ten awards were presented by the Prime Minister of the Republic of Croatia Andrej Plenković, Minister of Tourism Gari Cappelli, Director of the Main Office of the Croatian Tourist Board Kristjan Staničić and Vice President of the Croatian Chamber of Commerce Josip Zaher.”The Days of Croatian Tourism are an opportunity to look back at the current year in tourism, but also to look to the future. Tourism is a horizontal activity that requires a long-term strategy and the involvement of all tourism stakeholders in year-round tourism activities. From local plans and activities, to activities at the level of the Ministry of Tourism and the Croatian National Tourist Board. In doing so, special attention must be paid to sustainable development as a foundation necessary for the future of our tourism. ” Minister of Tourism Gari Cappelli pointed out on the occasion of the award ceremony and added: “We must not forget that man is the key to success in tourism, therefore, I congratulate all the winners, nominees, but also all employees in Croatian tourism, because they are the ones who make tourism truly competitive and who with their creativity and work make Croatia attractive and one of the world’s most desirable tourist destinations. “.Annual award Anton Štifanić – Ante Mrvica, Jadrolinija SplitThe importance of the contribution of all tourism workers in achieving this year’s excellent results was emphasized by the Director of the CNTB Head Office Kristjan Staničić. “Tonight, we wanted to reward the best from different segments of our overall tourist offer with these awards and recognitions. Thus, in strong competition this year as well, we singled out individual destinations, attractions, events, but also hotels, camps, marinas and numerous other entities that make up the overall tourist offer. However, on this occasion, I would like to emphasize that behind all of the above are the people who, with their work and contribution, are actually most responsible for these excellent results, which we are all sincerely proud of. In that sense and on this occasion, I extend my sincere congratulations and thanks to all people for an excellent tourist year, and I wish everyone an even better and more successful tourist year 2018.” said director Stanicic.On this occasion, the Vice President of the Croatian Chamber of Commerce for Tourism, Trade and Finance, Josip Zaher, pointed out: “The expected more than 10 billion euros in revenue for this year, the high share of tourism in GDP and the largest number of investments show the importance of tourism in the Croatian economy. At the same time, they point to the high dependence of the economy on this activity and the insufficient development of other sectors. Therefore, it is necessary to further encourage the growth of other sectors through tourism. I invite all stakeholders to a dialogue on important issues of the sector in order to welcome the next tourist year even more prepared and achieve even better results, and I congratulate once again the award winners, the champions of Croatian tourism.”, said the vice president of the Croatian Chamber of Commerce for tourism, trade and finance, Josip Zaher.TOP 10 OF CROATIAN TOURISM – October 26, 2017 TOURIST DESTINATION OF THE YEAR· Rovinj· Split· Crikvenica· Olive grove· Baranja· Osijek Hotel Monte Mulini, Rovinj TRAVEL AGENCY OF THE YEAR· Calvados Club Luxury Travel, Split· Fiore Tours, Porec· Uniline Travel Company, Pula TOURIST EVENT OF THE YEAR· Špancirfest· Poreč Open Air – festival of life· Rab Fair Split CATEGORYFINALISTSWINNER Marina Frapa, Rogoznica CAMP OF THE YEAR· Camping Resort Lanterna, Porec· Polidor Camping Park, FuntanaCamping Resort Lanterna, Porec Family hotel Amarin INNOVATION IN TOURISM OF THE YEAR· Family hotel Amarin· Perfect Experience Creator Program (Valamar Riviera dd)· Product Eltel Smart Cycling Bike Point MARINA OF THE YEAR· ACI Marina Dubrovnik, Dubrovnik· Marina Frapa, Rogoznica· Marina Vrsar, Vrsar HOTEL OF THE YEAR· Hotel Monte Mulini, Rovinj· Valamar Isabella Island Resort, Porec· Valamar Lacroma Dubrovnik Hotel, Dubrovnik RESTAURANT OF THE YEAR· Bokeria Kitchen & Wine, Split· Gourmet Restaurant San Rocco, Brtonigla· Restaurant Villa Ariston, Opatija· Zinfandel’s Restaurant, Zagreb Rector’s Palace, Zadar Restaurant Villa Ariston, Opatija ANTON ŠTIFANIĆ AWARD· Annual Anton Štifanić Award· Lifetime Achievement AwardAnte Mrvica- Jadrolinija SplitNiko Bulićlast_img read more

Duterte appoints Mocha Uson as OWWA executive director

first_imgMANILA – Former Palace communication official Ester Margaux “Mocha” Uson got another government post. This time, President Rodrigo Duterte appointed her as Deputy Executive Director of the Overseas Workers Welfare Administration (OWWA). The OWWA appointment of the 37-year-old Uson was confirmed in the new list of presidential appointees from Malacañang that was released publicly on Monday. She has tendered her resignation on October last year as she had tried to secure a seat in the House of Representatives through party-list AA-Kasosyo. The group, however, lost in the May midterm elections./PN Upon hearing her new cabinet position, Uson said that she will now have more time to focus on the needs of overseas Filipino workers, which includes the creation of a department intended for OFWs. At PCOO, Uson drew flak for allegedly spreading disinformation online, posting a racy video on federalism and a video of her friend – blogger Drew Olivar – flailing his arms around pretending to do the sign language on her Facebook page.center_img Upon hearing her new cabinet position, former Palace communication official Ester Margaux “Mocha” Uson says she will now have more time to focus on the needs of overseas Filipino workers. ABS-CBN NEWS Prior to her OWWA job, Uson has joined the government as a member of the Movie and Television Review and Classification Board before being named as assistant secretary at the Presidential Communications Operations Office (PCOO). “Mukhang dadami ang puting buhok ko,” Uson said on her radio program on Monday afternoon.last_img read more

Area Basketball Scores (1-23)

first_imgArea Basketball Scores.Saturday  (1-23)Boys Games.Connersville  39     Batesville 28Batesville wins JV Game 42-36East Central  61     Harrison  55Jac-Cen-Del  51     Lawrenceburg  46Greensburg  62     South Decatur  44North Decatur  58     Union County  36Jennings Co.  73     South Dearborn  48Morristown  74     Rushville  66Trinity Lutheran  50     Switz. County  41Hauser  71     Crothersville  24SW Shelby  85     CHA  29Floyd Central  42     Madison  32Girls Games.Greensburg  58     Batesville  28Greensburg JV Won 25-24East Central  79     Lawrenceburg  35South Ripley  62     Milan  26Franklin County  69     Oldenburg  32Union  68     South Dearborn  53Rising Sun  53     Morristown  42Eastern Hancock  49     Waldron  45last_img read more