The document describes the Bethpage@Work program which allows hundreds of Long Island companies to provide banking benefits to their employees through Bethpage Federal Credit Union at no cost. It highlights some of the benefits Bethpage offers employees such as better rates on savings, loans, and CDs as well as convenient access through many branches and ATMs. The document also includes testimonials from various Long Island companies praising Bethpage's services.
The document discusses the issue of rising student loan debt in the United States. It notes that student loan debt has exceeded $1 trillion and average loan balances have doubled in the past decade. However, obtaining a college degree still results in higher lifetime earnings even though recent graduates' salaries have not increased as much as in the past. The rising costs of higher education and lack of financial planning have contributed to the growth in student loan debt. Large student loan payments are impacting graduates' ability to purchase homes, save for retirement, and participate fully in the economy. The outlook is that growing student loan debt could become a broader economic problem if not addressed.
The newsletter discusses the credit union's mission of encouraging savings over loans and affordable credit. It highlights recent research showing that a third of UK adults could not afford a £300 emergency and explains new savings account types. It also details competitions and schemes to help employers and independent businesses.
1) GE Capital Retail Finance supports retailers' strategies of driving sales and managing credit costs through an integrated point-of-sale application offering private label and co-branded credit cards with instant credit. Discover understands and supports this flexible approach.
2) GE measures acquisition success through metrics like new accounts, approval rates, and same-day activation, but ultimately through helping retailers increase sales and credit penetration.
3) Maintaining customer acquisitions requires a compelling consumer value proposition and close alignment between GE and retail partners on mutual goals like in-store marketing and sales associate support.
Microinsurance provides alternative insurance options for low-income individuals compared to conventional insurance. It is delivered through various channels directly to customers and uses innovative products like weekly premium payments and payouts for life events beyond death. The story of Jorina Bibi shows how microinsurance helped her rebuild her life and business after her husband's death, while Budi's story without insurance ended in poverty and human trafficking. Microinsurance helps vulnerable populations better withstand financial shocks and maintain their economic position.
OneCalifornia Bank has partnered with East Bay Community Foundation to improve economic opportunity for low- to moderate-income communities. The Foundation manages over $350 million in charitable funds and makes grants to advance economic opportunity. OneCalifornia and the Foundation see aligned missions in improving economic conditions and view their partnership as mutually beneficial. They discuss collaborating to address issues like foreclosure prevention and creating alternative financial products to payday lending. Both organizations are passionate about partnerships that can deliver social and business value.
Blog posts on trust in financial servicesstylishsam
The document contains blog posts written by Samantha Wilding on the topic of trust in financial services between 2013-2014. The posts discuss issues facing the Co-operative Bank including a £1.5 billion shortfall, questions around whether its unique ethical values will survive changes to its ownership structure, and declining consumer trust in the banking sector overall from 90% in 1983 to just 20% by recent surveys. New entrants like TSB and Metro Bank aim to refocus on customer service and local banking models to help rebuild trust.
This document summarizes the services provided by Investors Group Financial Services Inc., a subsidiary of IGM Financial Inc. and member of the Power Financial Corporation group of companies. Investors Group offers:
1) A personalized financial planning approach to help clients prosper now and over time through comprehensive investment management, tax, estate, insurance and other financial expertise.
2) Over 80 years of experience serving investors with a team of over 400 financial consultants across Canada.
3) A complete suite of financial products and services including mutual funds, segregated funds, stocks, bonds, GICs, RSPs, insurance, banking and mortgages to meet all of a client's financial needs and goals.
The document announces The 17th Annual General Counsel Conference to be held on June 6-7, 2005 at The St. Regis Hotel in New York City. The conference will feature presentations and discussions on topics relevant to general counsel such as labor and employment law, antitrust challenges, managing litigation costs, and working with boards of directors. Keynote speakers will discuss the evolution of the law department and integrating legal and public relations disciplines. The conference is aimed at helping general counsel succeed in today's dynamic business environment through peer learning and information exchange.
The document discusses the issue of rising student loan debt in the United States. It notes that student loan debt has exceeded $1 trillion and average loan balances have doubled in the past decade. However, obtaining a college degree still results in higher lifetime earnings even though recent graduates' salaries have not increased as much as in the past. The rising costs of higher education and lack of financial planning have contributed to the growth in student loan debt. Large student loan payments are impacting graduates' ability to purchase homes, save for retirement, and participate fully in the economy. The outlook is that growing student loan debt could become a broader economic problem if not addressed.
The newsletter discusses the credit union's mission of encouraging savings over loans and affordable credit. It highlights recent research showing that a third of UK adults could not afford a £300 emergency and explains new savings account types. It also details competitions and schemes to help employers and independent businesses.
1) GE Capital Retail Finance supports retailers' strategies of driving sales and managing credit costs through an integrated point-of-sale application offering private label and co-branded credit cards with instant credit. Discover understands and supports this flexible approach.
2) GE measures acquisition success through metrics like new accounts, approval rates, and same-day activation, but ultimately through helping retailers increase sales and credit penetration.
3) Maintaining customer acquisitions requires a compelling consumer value proposition and close alignment between GE and retail partners on mutual goals like in-store marketing and sales associate support.
Microinsurance provides alternative insurance options for low-income individuals compared to conventional insurance. It is delivered through various channels directly to customers and uses innovative products like weekly premium payments and payouts for life events beyond death. The story of Jorina Bibi shows how microinsurance helped her rebuild her life and business after her husband's death, while Budi's story without insurance ended in poverty and human trafficking. Microinsurance helps vulnerable populations better withstand financial shocks and maintain their economic position.
OneCalifornia Bank has partnered with East Bay Community Foundation to improve economic opportunity for low- to moderate-income communities. The Foundation manages over $350 million in charitable funds and makes grants to advance economic opportunity. OneCalifornia and the Foundation see aligned missions in improving economic conditions and view their partnership as mutually beneficial. They discuss collaborating to address issues like foreclosure prevention and creating alternative financial products to payday lending. Both organizations are passionate about partnerships that can deliver social and business value.
Blog posts on trust in financial servicesstylishsam
The document contains blog posts written by Samantha Wilding on the topic of trust in financial services between 2013-2014. The posts discuss issues facing the Co-operative Bank including a £1.5 billion shortfall, questions around whether its unique ethical values will survive changes to its ownership structure, and declining consumer trust in the banking sector overall from 90% in 1983 to just 20% by recent surveys. New entrants like TSB and Metro Bank aim to refocus on customer service and local banking models to help rebuild trust.
This document summarizes the services provided by Investors Group Financial Services Inc., a subsidiary of IGM Financial Inc. and member of the Power Financial Corporation group of companies. Investors Group offers:
1) A personalized financial planning approach to help clients prosper now and over time through comprehensive investment management, tax, estate, insurance and other financial expertise.
2) Over 80 years of experience serving investors with a team of over 400 financial consultants across Canada.
3) A complete suite of financial products and services including mutual funds, segregated funds, stocks, bonds, GICs, RSPs, insurance, banking and mortgages to meet all of a client's financial needs and goals.
The document announces The 17th Annual General Counsel Conference to be held on June 6-7, 2005 at The St. Regis Hotel in New York City. The conference will feature presentations and discussions on topics relevant to general counsel such as labor and employment law, antitrust challenges, managing litigation costs, and working with boards of directors. Keynote speakers will discuss the evolution of the law department and integrating legal and public relations disciplines. The conference is aimed at helping general counsel succeed in today's dynamic business environment through peer learning and information exchange.
The future of consumer finance in the next five yearsTeamspirit
In this document we’re concentrating on the likely impact of some sizeable socio-demographic trends, technological advances and legislative changes in the near future.
By near future we mean in the next five years, so we’re hardly crystal ball gazing, and while the outcome of these developments is obviously uncertain, we believe the RDR, social media, financial services, fs, consumer finance, viewpoint, pensions ace are already some interesting insights into what the future may have in store for tomorrow’s financial consumers.
Things you might want to know about education finance in ccsdJeff Weiler
Clark County School District's state funding is complicated, involving factors like the Distributive School Account (DSA) and local property taxes and sales taxes. The district is guaranteed to receive at least as much in total state funding as it generates from one-third of property taxes and 100% of local sales tax revenue. People costs, such as salaries and benefits for teachers and staff, account for 89% of CCSD's budget while other operating expenses make up the remaining 11%. CCSD has faced a structural budget deficit and has had to make difficult choices, such as staffing cuts, to close budget gaps while still ranking 19th out of the 20 largest US school districts in per-student spending.
The document discusses Stinson Morrison Hecker LLP's 2011 Annual Report and focus on providing clear, efficient solutions to client needs through expertise in various legal areas. It emphasizes developing client-centered focus with collaborative culture and accountability. The downturn revealed what is truly important - quality clients, solutions to client needs, and community engagement, as illustrated through examples in the report. The managing partner invites potential clients to consider working with the firm for legal help in 2012.
Subprime Meltdown: From U.S. Liquidity Crisis to Global Recessioncharlesbrownell
The document summarizes how loose lending standards for subprime mortgages, encouraged by government policies, led to a housing bubble and eventual financial crisis. It describes how banks took on risky loans but avoided liability by selling them to Fannie Mae and Freddie Mac through securitization. When housing prices fell and borrowers defaulted, the effects rippled through the global financial system due to the widespread distribution of mortgage-backed securities.
Here are the key points from the email:
- Kootenay Savings enjoyed another highly successful year financially in 2017.
- Members benefited through a 10% patronage dividend for the 6th consecutive year.
- Communities benefited through a $500,000 contribution to the Kootenay Savings Community Foundation.
- Both loans and deposits grew, with increased member utilization of Kootenay Savings services.
- The credit union, insurance services, and moneyworks divisions all had exceptional financial results.
- Technology improvements included a new integrated online banking platform and streamlined internal systems.
- Strategic planning led to new vision and values statements to guide the organization going forward.
Lorenzo Mortgage is a collection of lending professionals with 20 years of combined experience. They aim to satisfy client needs by getting loans approved quickly and closing them with kindness. Lorenzo understands that each client has individual needs and works to align financing solutions with those needs. They offer a variety of loan products from over 50 lenders to find clients the best rates and terms. Lorenzo prides itself on building lifelong relationships with clients through excellent customer service and loan products.
The article discusses elder financial abuse and a credit union's role in preventing it. It notes that elder financial abuse is considered the "Crime of the 21st Century" and that credit unions can intervene early to prevent members' financial demise and also protect the credit union from potential losses. The article recommends that credit unions develop policies and procedures to guide staff in handling any suspicions of elder financial abuse, in order to help vulnerable elder members.
DMB Financial is the nation\'s largest performance-based debt settlement company and 2-time winner of "Leading Debt Provider" in Forbes Magazine. In November 2009, DMB Financial participated in an FTC Public Forum in response to proposed rulemaking changes by the FTC that would affect how they regulate the industry. In this document, we provide performance and pricing data, as well as success rates and comparisons among the different consumer alternatives to debt settlement.
This document contains a cash flow statement, net worth statement, ratios analysis, and debt summary for a couple named Brooke and Jacob Taylor. It notes their incomes, expenses, assets, liabilities, and various financial ratios. Their basic liquidity ratio is low at 0.62, suggesting insufficient emergency savings. Their asset-to-debt ratio is high at 9.62, meaning ample assets compared to debts. The document prioritizes paying down their debts from highest to lowest interest rates and discusses options for improving their financial situation like reducing expenses and saving more before making large purchases.
This document discusses financial literacy and debt from a Christian perspective. It warns that families can be destroyed by a lack of financial knowledge and debt. It provides tips for managing credit cards responsibly, such as only charging what you can pay off monthly to avoid interest, fees, and damage to your credit score. It also cautions against refinancing credit card or other unsecured debt onto your home, as this exposes your otherwise protected home equity to creditors.
Next Steps on ISFs - how to really move things forwardCitizen Network
The outcomes of the first Action Learning Sets on the use of ISFs demonstrate that radical progress towards flexible contracting and personal budgets managed by support organisations could be very rapid. This strategy would also end the need for block procurement, tendering and re-tendering.
The Skinny on Real Estate Investing gives you an overview of the topic, outlining questions to help determine if real estate investing is right for you.
Jim Randel has invested in real estate for 30 years, having bought and sold houses, duplexes, triplexes, apartment buildings, office buildings, retail properties, factories, land and a warehouse.
Our 8-point real estate investing philosophy is as follows:
- It’s a tremendous opportunity for wealth generation.
- But, not “get rich quick,” or “risk-free”.
- If it isn’t fun, don’t do it.
- Never, never buy on the seller’s pro forma.
- If you can’t add value, pass on the deal.
- Asking prices are irrelevant.
- Institutional investing should be avoided at all costs by entrepreneurs.
- Houses are real estate investments.
Organization Profile: Calasiao Plant and Related Companies Employees Multi P...Jo Balucanag - Bitonio
The Calasiao Plant and Related Companies Employees' Multi-Purpose Cooperative was founded in 1987 by Marcelino Santiago to provide financial services to employees of Coca-Cola Calasiao Plant and prevent them from falling victim to predatory lenders. It started with 104 members and $57,242 in capital. Through payroll deduction of member contributions and loan payments, the cooperative grew to over $1 million in assets within a year. It now serves over 1,400 members from various companies nationwide through low-interest loans for purposes like housing, education, and business. Members earn dividends from their share capital contributions and a portion of the interest paid on loans is returned to members each year.
Dean Graziosi - 7 Ways to Finding Funding Right NowDean Graziosi
Find Funding Right Now - 7 Ways to Fund Your Deals In Today's Down Market..
We're going to give you specific go-to resources that will help you to locate financing in these seven major funding resource categories:
- Community Banks and Credit Unions
- Friends and Family
- Government Funding and Grants
- Investors
- Hard Money
- Lines of Credit
- Short Term Funding
The Federal Savings Bank is a federally chartered bank focused on providing home loans nationwide. They aim to help customers achieve home ownership through educated mortgage bankers. The bank offers various loan products and marketing support tools to help mortgage bankers succeed. They have a centralized process for applications, underwriting, and closing to give bankers control. The bank also provides an aggressive compensation plan and marketing department support to help bankers earn more money per loan than at other brokerages or banks.
Unitus Community Credit Union had a successful year in 2007 despite economic challenges. Membership grew with over 4,200 new members joining. The credit union offered numerous financial education seminars and counseling sessions to help members. Mortgage lending increased with over $66 million in home loans issued. New accounts like Unitus Rewards Checking were introduced. The credit union also expanded services, increased community support through employee volunteering and donations, and will be opening two new branch locations in 2008.
This document provides an agenda and details for the 18th Annual Acquire or Be Acquired Conference taking place January 29-31, 2012 in Phoenix, Arizona. The conference will provide bankers with advice and strategies for growth, M&A insights, capital formation strategies, and networking opportunities. Keynote speakers will include bankers and industry leaders sharing their expertise. Breakout sessions on the first day will cover M&A simulations, strategic options for smaller banks, and strategies for community bank relevance.
More than half of all small business used some kind of business credit last year as working capital. Find out how you can manage exposure. Get solutions for your cash flow needs from Christine Janklow, president, SettleSource, Inc. and David Gass. president, Earn.com. Learn more at http://bit.ly/aHxjc0 .
Fidelity Bank offers SBA loans to help small businesses obtain financing. They are a preferred SBA lender, allowing them to approve most loans faster than normal. They provide various types of SBA loans for purposes like debt refinancing, acquisitions, equipment, real estate, and more between $100,000 to $5 million with up to 90% financing and fixed rates. To apply, businesses need to provide information about their business, loan request, collateral, and financial statements. Fidelity Bank aims to work with businesses to help meet their financing needs through the SBA loan programs.
Here's a quick overview of Credit Unions for anyone who would like to understand this type of financial services firm. Member owned, with products that are typical to banks. Perfect introduction to use for new customers. We can add to or modify this presentation for any credit union that would like a custom version for educating community groups. Contact us 316 680 6482.
The future of consumer finance in the next five yearsTeamspirit
In this document we’re concentrating on the likely impact of some sizeable socio-demographic trends, technological advances and legislative changes in the near future.
By near future we mean in the next five years, so we’re hardly crystal ball gazing, and while the outcome of these developments is obviously uncertain, we believe the RDR, social media, financial services, fs, consumer finance, viewpoint, pensions ace are already some interesting insights into what the future may have in store for tomorrow’s financial consumers.
Things you might want to know about education finance in ccsdJeff Weiler
Clark County School District's state funding is complicated, involving factors like the Distributive School Account (DSA) and local property taxes and sales taxes. The district is guaranteed to receive at least as much in total state funding as it generates from one-third of property taxes and 100% of local sales tax revenue. People costs, such as salaries and benefits for teachers and staff, account for 89% of CCSD's budget while other operating expenses make up the remaining 11%. CCSD has faced a structural budget deficit and has had to make difficult choices, such as staffing cuts, to close budget gaps while still ranking 19th out of the 20 largest US school districts in per-student spending.
The document discusses Stinson Morrison Hecker LLP's 2011 Annual Report and focus on providing clear, efficient solutions to client needs through expertise in various legal areas. It emphasizes developing client-centered focus with collaborative culture and accountability. The downturn revealed what is truly important - quality clients, solutions to client needs, and community engagement, as illustrated through examples in the report. The managing partner invites potential clients to consider working with the firm for legal help in 2012.
Subprime Meltdown: From U.S. Liquidity Crisis to Global Recessioncharlesbrownell
The document summarizes how loose lending standards for subprime mortgages, encouraged by government policies, led to a housing bubble and eventual financial crisis. It describes how banks took on risky loans but avoided liability by selling them to Fannie Mae and Freddie Mac through securitization. When housing prices fell and borrowers defaulted, the effects rippled through the global financial system due to the widespread distribution of mortgage-backed securities.
Here are the key points from the email:
- Kootenay Savings enjoyed another highly successful year financially in 2017.
- Members benefited through a 10% patronage dividend for the 6th consecutive year.
- Communities benefited through a $500,000 contribution to the Kootenay Savings Community Foundation.
- Both loans and deposits grew, with increased member utilization of Kootenay Savings services.
- The credit union, insurance services, and moneyworks divisions all had exceptional financial results.
- Technology improvements included a new integrated online banking platform and streamlined internal systems.
- Strategic planning led to new vision and values statements to guide the organization going forward.
Lorenzo Mortgage is a collection of lending professionals with 20 years of combined experience. They aim to satisfy client needs by getting loans approved quickly and closing them with kindness. Lorenzo understands that each client has individual needs and works to align financing solutions with those needs. They offer a variety of loan products from over 50 lenders to find clients the best rates and terms. Lorenzo prides itself on building lifelong relationships with clients through excellent customer service and loan products.
The article discusses elder financial abuse and a credit union's role in preventing it. It notes that elder financial abuse is considered the "Crime of the 21st Century" and that credit unions can intervene early to prevent members' financial demise and also protect the credit union from potential losses. The article recommends that credit unions develop policies and procedures to guide staff in handling any suspicions of elder financial abuse, in order to help vulnerable elder members.
DMB Financial is the nation\'s largest performance-based debt settlement company and 2-time winner of "Leading Debt Provider" in Forbes Magazine. In November 2009, DMB Financial participated in an FTC Public Forum in response to proposed rulemaking changes by the FTC that would affect how they regulate the industry. In this document, we provide performance and pricing data, as well as success rates and comparisons among the different consumer alternatives to debt settlement.
This document contains a cash flow statement, net worth statement, ratios analysis, and debt summary for a couple named Brooke and Jacob Taylor. It notes their incomes, expenses, assets, liabilities, and various financial ratios. Their basic liquidity ratio is low at 0.62, suggesting insufficient emergency savings. Their asset-to-debt ratio is high at 9.62, meaning ample assets compared to debts. The document prioritizes paying down their debts from highest to lowest interest rates and discusses options for improving their financial situation like reducing expenses and saving more before making large purchases.
This document discusses financial literacy and debt from a Christian perspective. It warns that families can be destroyed by a lack of financial knowledge and debt. It provides tips for managing credit cards responsibly, such as only charging what you can pay off monthly to avoid interest, fees, and damage to your credit score. It also cautions against refinancing credit card or other unsecured debt onto your home, as this exposes your otherwise protected home equity to creditors.
Next Steps on ISFs - how to really move things forwardCitizen Network
The outcomes of the first Action Learning Sets on the use of ISFs demonstrate that radical progress towards flexible contracting and personal budgets managed by support organisations could be very rapid. This strategy would also end the need for block procurement, tendering and re-tendering.
The Skinny on Real Estate Investing gives you an overview of the topic, outlining questions to help determine if real estate investing is right for you.
Jim Randel has invested in real estate for 30 years, having bought and sold houses, duplexes, triplexes, apartment buildings, office buildings, retail properties, factories, land and a warehouse.
Our 8-point real estate investing philosophy is as follows:
- It’s a tremendous opportunity for wealth generation.
- But, not “get rich quick,” or “risk-free”.
- If it isn’t fun, don’t do it.
- Never, never buy on the seller’s pro forma.
- If you can’t add value, pass on the deal.
- Asking prices are irrelevant.
- Institutional investing should be avoided at all costs by entrepreneurs.
- Houses are real estate investments.
Organization Profile: Calasiao Plant and Related Companies Employees Multi P...Jo Balucanag - Bitonio
The Calasiao Plant and Related Companies Employees' Multi-Purpose Cooperative was founded in 1987 by Marcelino Santiago to provide financial services to employees of Coca-Cola Calasiao Plant and prevent them from falling victim to predatory lenders. It started with 104 members and $57,242 in capital. Through payroll deduction of member contributions and loan payments, the cooperative grew to over $1 million in assets within a year. It now serves over 1,400 members from various companies nationwide through low-interest loans for purposes like housing, education, and business. Members earn dividends from their share capital contributions and a portion of the interest paid on loans is returned to members each year.
Dean Graziosi - 7 Ways to Finding Funding Right NowDean Graziosi
Find Funding Right Now - 7 Ways to Fund Your Deals In Today's Down Market..
We're going to give you specific go-to resources that will help you to locate financing in these seven major funding resource categories:
- Community Banks and Credit Unions
- Friends and Family
- Government Funding and Grants
- Investors
- Hard Money
- Lines of Credit
- Short Term Funding
The Federal Savings Bank is a federally chartered bank focused on providing home loans nationwide. They aim to help customers achieve home ownership through educated mortgage bankers. The bank offers various loan products and marketing support tools to help mortgage bankers succeed. They have a centralized process for applications, underwriting, and closing to give bankers control. The bank also provides an aggressive compensation plan and marketing department support to help bankers earn more money per loan than at other brokerages or banks.
Unitus Community Credit Union had a successful year in 2007 despite economic challenges. Membership grew with over 4,200 new members joining. The credit union offered numerous financial education seminars and counseling sessions to help members. Mortgage lending increased with over $66 million in home loans issued. New accounts like Unitus Rewards Checking were introduced. The credit union also expanded services, increased community support through employee volunteering and donations, and will be opening two new branch locations in 2008.
This document provides an agenda and details for the 18th Annual Acquire or Be Acquired Conference taking place January 29-31, 2012 in Phoenix, Arizona. The conference will provide bankers with advice and strategies for growth, M&A insights, capital formation strategies, and networking opportunities. Keynote speakers will include bankers and industry leaders sharing their expertise. Breakout sessions on the first day will cover M&A simulations, strategic options for smaller banks, and strategies for community bank relevance.
More than half of all small business used some kind of business credit last year as working capital. Find out how you can manage exposure. Get solutions for your cash flow needs from Christine Janklow, president, SettleSource, Inc. and David Gass. president, Earn.com. Learn more at http://bit.ly/aHxjc0 .
Fidelity Bank offers SBA loans to help small businesses obtain financing. They are a preferred SBA lender, allowing them to approve most loans faster than normal. They provide various types of SBA loans for purposes like debt refinancing, acquisitions, equipment, real estate, and more between $100,000 to $5 million with up to 90% financing and fixed rates. To apply, businesses need to provide information about their business, loan request, collateral, and financial statements. Fidelity Bank aims to work with businesses to help meet their financing needs through the SBA loan programs.
Here's a quick overview of Credit Unions for anyone who would like to understand this type of financial services firm. Member owned, with products that are typical to banks. Perfect introduction to use for new customers. We can add to or modify this presentation for any credit union that would like a custom version for educating community groups. Contact us 316 680 6482.
Unitus Community Credit Union experienced strong growth and financial success in 2005. Membership grew to over 54,000, loans increased by $73 million to over $500 million, and savings increased to nearly $550 million. The credit union paid members $13 million in dividends, up 27% from the previous year, and added $3.3 million to member equity. New services were introduced including a Clackamas branch, Advance Loans, financial planning assistance, and scholarships.
The document is Unitus Community Credit Union's 2011 annual report. It summarizes the credit union's performance and activities in 2011. Some key details include:
- In 2011, Unitus experienced 7.7% membership growth and 5.65% deposit growth. It originated over $300 million in loans.
- The credit union was recognized for its corporate philanthropy and commercial lending. It also placed highly in best places to work rankings.
- Technological improvements were made to online and mobile banking to improve the member experience. New branches opened to increase access.
- Financially, assets grew 1.8% to over $825 million while maintaining strong capital reserves above regulatory requirements. The
This annual report summarizes Opportunities Credit Union's activities and financial performance in 2015. It highlights that the credit union expanded partnerships, addressed financial gaps in the market, and provided financial education and loans to over 8,000 people. Opportunities had a strong financial year and remains well-capitalized to serve its membership of over 26,000 individuals. The report also outlines the credit union's lending impacts, deposit services, partnerships, and financial education programs that help members build assets and access affordable services.
REALTORS Federal Credit Union welcomes new members and offers various banking services and products. They provide traditional and money market savings accounts, free checking with debit card and overdraft protection, and online account access. The credit union plans to expand their offerings to include rewards checking, HSAs, IRAs, business services, and more. All REALTORS and their family members are eligible to join for lifetime membership.
Pyatt Broadmark Real Estate Fund I Presentation Oct 2015Alan Chu
This document provides an overview of the Pyatt Broadmark Real Estate Lending Fund I (PBRELF I). PBRELF I invests in short-term, first lien loans secured by real estate projects in the Pacific Northwest. The goal is to provide high-yield returns while minimizing risk. PBRELF I has $136.4 million in assets under management. It offers diversification, consistent performance, and monthly distributions to investors.
The Bank With A Mission To Serve Final[2]TriNovus LLC
ServisFirst Bank was founded with a vision to combine sophisticated banking services with personal attention. The bank has grown rapidly since its founding, reaching $2 billion in assets within 4 years by executing this vision. ServisFirst Bank is implementing the BankerVMS vendor management solution to help manage vendors, reduce costs, and improve contract terms while continuing to provide a high level of service to customers both directly and through efficient back-office operations. The bank hopes this new tool will help them further elevate their service and continue their successful growth.
All about credit unions and banking servicesMarie Mana
Credit unions are member-owned, not-for-profit cooperatives that offer similar services to banks such as savings and checking accounts, loans, credit cards and more. The key differences are that credit unions have lower fees and rates that are returned to members as dividends. Members can access their accounts through online banking, mobile apps, ATMs and shared branch locations across the country. To join a credit union, a person must qualify through an employer, community, or organization. The document provides an overview of credit union services and benefits compared to banks.
Lendinero is a Company You Can Trust; Lendinero es de ConfianzaLendinero
Lendinero is a company you can trust. Small businesses can turn to lendinero to obtain capital for immediate needs. Lendinero with its funding partners invests in small businesses. Lendinero ayuda a pequenas empresas obtener prestamos para su negocio.
How banks make lending decisions...
How to manage the banking relationship...
Renewing your relationship...
Financial projections drive your banking
relationship...
Other lenders or sources of money...
Glossary of banking terms...
I want to help as many people become financially independent as possible. Stop loosing your money to the bank. This is a strategy that has been around for a very long time using a vehicle that has been around for over 100 years.
The document provides information on establishing and maintaining good credit. It discusses the importance of creditors evaluating a person's ability and willingness to repay debts through their credit rating and the "3 Cs" of character, capacity, and capital. It offers tips for establishing good credit such as taking out small loans and paying all bills on time. It also covers considerations for choosing credit, types of loan sources, and maintaining good financial habits to protect one's credit rating.
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy VisaAmit Kakkar
Discover essential details about Thailand's recent visa policy changes, tailored for tourists and students. Amit Kakkar Easy Visa provides a comprehensive overview of new requirements, application processes, and tips to ensure a smooth transition for all travelers.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
Unlock Your Potential with NCVT MIS.pptxcosmo-soil
The NCVT MIS Certificate, issued by the National Council for Vocational Training (NCVT), is a crucial credential for skill development in India. Recognized nationwide, it verifies vocational training across diverse trades, enhancing employment prospects, standardizing training quality, and promoting self-employment. This certification is integral to India's growing labor force, fostering skill development and economic growth.
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
Fabular Frames and the Four Ratio ProblemMajid Iqbal
Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby...Donc Test
Solution Manual For Financial Accounting, 8th Canadian Edition 2024, by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting, 8th Canadian Edition by Libby, Hodge, Verified Chapters 1 - 13, Complete Newest Version Solution Manual For Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Ebook Download Stuvia Solution Manual For Financial Accounting 8th Canadian Edition Pdf Solution Manual For Financial Accounting 8th Canadian Edition Pdf Download Stuvia Financial Accounting 8th Canadian Edition Pdf Chapters Download Stuvia Financial Accounting 8th Canadian Edition Ebook Download Stuvia Financial Accounting 8th Canadian Edition Pdf Financial Accounting 8th Canadian Edition Pdf Download Stuvia
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
What's a worker’s market? Job quality and labour market tightness
Bethpage@ work
1.
2. DISCOVER BETHPAGE@WORK PROGRAM
A Rewarding Experience.
Hundreds of Long Island
companies and organizations
have discovered the easy,
no cost way to enrich their
benefit packages, increase
productivity and help further
support their employees’
financial goals.
3. A Word from Our President
The unrest of Wall Street may prompt many people to wonder about the safety of
the money they have deposited with commercial banks, savings and loans or credit
unions.
I’m pleased to report that members-owners of Bethpage Federal Credit Union can
rest assured that their accounts are safe and protected. As a financial cooperative
that is owned by our members, we are committed exclusively to your well being. We
dont take big investment risk in order to pay stockholders at the end of the year. As
a result, Bethpage is financially strong; and you, are members-owners, are financially
secure.
At Bethpage, each account holder is insured through the National Credit Union Share Insurance Fund
“NCUSIF” for at least $250,000. This includes Bethpage Money Market Accounts, which are not tied, in
anyway, to stock or bond markets.
At Bethpage, you’ll love banking here. People just like you who understand the strength and protective
power of pooling resources so that everyone benefits from the best available rates on loans and savings.
During the sub-prime mortgage crisis, we were able to protect the credit union by looking ahead, rather
than short-term gains. The same is true today with the stock market decline. We continue to be vigilant
on your behalf and pride ourselves on taking a safe, steady approach to banking. Like friends, we are
here for the long haul.
Sincerely,
Kirk Kordeleski
President & CEO
Bethpage Federal Credit Union
4. Other Banks Credit Unions are “not-for-profit”
financial cooperatives that
Banks are “for-profit” financial corporations conduct business for the mutual
who conduct business to maximize the price benefit and general welfare of
of its stock and profit for stockholders. their member-owners.
Banks focus on what generates profit for the bank. Promote savings and a sound credit
use to improve member’s lives.
Directors are paid and legally bound
to make decisions that benefit the
stockholders, not the customer. Leadership Boards of Directors
are elected by members and are
volunteers.
Bethpage Federal Credit Union
beats the banks because we are
committed to our members to
provide extraordinary service,
anytime, anywhere. We offer better
rates and service to their member
on a daily basis.
5. History of Bethpage
Snapsho t
Today, Bethpage Federal
Credit Union has over
163K members and over
In 1974, the name Bethpage $3.7 billion in assets over
Aircraft Federal Credit Union 24 branches and growing
transitioned into Bethpage
Federal Credit Union to reflect the across Long Island.
In October 1941, Grumman diversification of Grumman. Bethpage is the largest
Plant 1 & 2 Federal Credit credit union on L.I. In
Union officially opens. addition, we are the second
Grumman Corporation
becomes the first Corporate largest in New York State.
Business Partner.
By 1965, the credit union
expanded the hours
On July 1945, a merge of service for member Bethpage Federal Credit Union opened
between plants results convenience while five the ‘80s with its own automated teller
in the Bethpage Aircraft tellers served 17,000 machines, known as the Safe. Within
Federal Credit Union. members and as assets 10 years electronic networking enabled
and loans climbed to $20 members to access their accounts at
million and $15 million. more than 50,000 locations.
6. Rates that beat the bank on savings,
CDs, IRSs, and money-saving
mortgages, as well as auto and
personal loans.
Excellent convenience to accounts
via one of Long Island’s largest ATM
Partnering with networks.
Bethpage Better Banking with Better Rates!
Enhances your benefits package
without costing you a dime,
administrative time or your current
corporate banking relationships.
Helps employees meet their financial
goals with on-site, partner-only
seminars tailored to their interests such
as buying a home, avoiding identity
E xc l theft, retirement and more.
u s i ve s .
bank
ing & s e mp l oy e e
a v i n g s i n c e n t i ve s fo r y o u r
7. As a Corporate Business Partner, you will find...
Here, There — Bethpage Bonus Loans that fit
Everywhere! Checking your life
60+ Branches and Shared Service Free • the best FREE Checking Auto • No Hassle Auto Loans —
Centers throughout Long Island account on Long Island with Get where you are going with
NO monthly maintenance ease. Buy a new or used car with
More than 250 Surcharge-free or transactions fees and NO as little as no money down and
ATM locations, inluding all minimum balance requirements. save with our competitive rates.
Walgreens, 7-Eleven, King Kullen Boost your bargaining power with
& Costco locations Earn Interest • Simply use direct our loan pre-approval service!
deposit, FREE online banking Mortagage • Turn Hopes into
FREE Online Banking with eStatements and 15 point- homes with Bethpage! Purchase
of-sale transactions with your or refinance a home with our low
FREE Mobile and debit card each month. fixed rates. FHA Loans are also
Telephone Banking offered.
Convenient • More than 60
Savings Accounts Branches and Shared Service Home Equity Loans &
Centers, over 250 surcharge-free Lines of Credit • Bethpage’s
Youth & Student Accounts ATMs throughout Long Island Home Equity Loans offer no
and FREE online, mobile and fee and no closing costs up to
telephone banking. $250,000 along with available
financing. Terms range from 5
to 30 years. The Home Equity
Line of Credit includes the
following: revolving credit line,
no application or closing costs
on lines up to $500K & financing
available.
Personal Loans • Flexible
Personal Loans — Take advantage
of life’s opportunities.
8. Bethpage@Worktions “ Nothing’s hotter than Bethpage
Benefits & Promo
FREE Checking.”
“ Unless it comes with this cool FREE gift.”
Open any Checking account with Direct Deposit, or add
Direct Deposit to an existing Checking account, by July 3
and receive a Family Pack-n-Go Picnic Kit.*
Ask about opening
an account today!
When partnering with Bethpage, With this spacious carry-all and
cooler on wheels, and soft, cozy
picnic blanket, you’re all set to
ey
have some springtime fun with
some benefits and promotions g mon
your family and friends.
“ Makin Bethpage .”lovebethpage.com
may include: than with a ate Account
800-628-7070
better
W ’s
“ hat money?” Certific
saving
Ticket Giveaways to -
Mets, Islanders, Yankees, Long Island
Ducks & other Long Island Events * valid for checking accounts opened between 4/4/10 and 7/3/10. To
Offer
qualify for the reward you must open a new personal checking account and
initiate a repeating direct deposit such as payroll, Social Security or other
government benefits. The first direct deposit must be posted within 90 calendar
days of account opening. The reward/premium will be mailed to the address on
your new account within 4 – 5 weeks after the initial direct deposit. Account is
subject to approval. Reward is considered interest and will be reported on IRS
Form 1099-INT. Offer not available on account conversions or in combination
with any other offer. Business checking accounts are not eligible for this offer.
Membership conditions may apply.
Consumer, Home &
Your savings federally insured to at least $250,000
and backed by the full faith and credit of the United States Government
NCUA
National Credit Union Administration, a U.S. Government Agency
Auto Loan Promotions
BFCU073CheckingPoster_22x28_4C.indd 1 3/26/10 5:15:08 PM
Direct Deposit Incentives
.com
thpage
lovebe
$250,000
to at least States Government
insured United
federally credit of the
Your savings faith and
NCUA
full
by the
and backed
Agency
Government
a U.S.
Administration,
Union
Credit
National
9. More than 250 surcharge-free ATMs in King Kullen, 7-Eleven, 24/7 Hours and Days
Costco and Walgreens locations throughout Long Island. of the Week you can
bank online, free.
Glen Huntington
Cove
Commack Port Jefferson
Smithtown Riverhead
2,900+ Shared Service
Westbury
Mineola BethpageMelville Central Islip Centers Across the
Hempstead
Elmont Roosevelt
N.Babylon
Bay Shore
United States.
Lynbrook Levittown Farmingdale
Massapequa
Freeport Seaford
50+ Locations on
= Bethpage Branch = New Branch Opening Soon = Branch in King Kullen (open 7 days / week)
Long Island.
250+ Surcharge-Free
ATMs located where
you live, work and shop.
Ban
king
with
Bethp
age makes sense!
10. Building your Understanding Your Finances
Financial Future
Building Better Credit
Identity Theft
Banking 101
We offer free, on-site seminars and Using Credit Wisely
workshops focusing on Financial
Education and focus on topics that The ABC’s of Mortgages
may fit the needs of your employees. 529 Education Planning*
Retirement Income Planning*
Tools for a tough market*
*Offered by Bethpage Financial Serivces
Bilingual Seminars Available
11. Bethpage Community Outreach
At Bethpage we believe in giving back to the community we The Heart of Bethpage Beats for
love. Through our Heart of Bethpage Program, we volunteer Every Long Islander in Need.
our time, donate our resources and rally our neighbors to
support dozens of organizations that help thousands of Long
Islanders from all walks of life.
Project GRAD Walk for Success
Huntington Arts Concert Summer Series
Island Harvest Turkey Drop
Bethpage Federal Credit Union
Air Show at Jones Beach
VITA (Volunteer Income Tax Assistance) Program
Bethpage Runners Club
Oyster Festival of Oyster Bay
Haitian Relief Effort
Habitat for Humanity
12. Testimonials “Partnering with Bethpage was a great move for Cablevision and its employees.
Bethpage Federal Credit Union has been offering banking benefits to Long Island
employers for over 60 years. Bethpage’s attentive staff and tailored banking services
are very accommodating to employers’ needs, and we felt they went out of their way to
been such a terrific support
"Bethpage Federal Credit Union has customize a Bethpage@Work program just for Cablevision. Bethpage created a turnkey
needs as well as our
network for our employee's financial program - at zero cost to us - that allows Cablevision to provide its employees with a
throughout Long Island.
organization's mission to help people great benefit. Our employees love the convenience of opening accounts on site, along
Inc.'s Wellness Program
Bethpage's contribution towards EAC, with being able to use Bethpage’s no-fee ATMs right in our lobby! “
th and well-being of all our
reflects their commitment to the heal
with EAC, Inc. is first rate."
employees. Their approach to working Lisa Trimarchi
Vice President, Employee Services
Charlene Middleton Cablevision Systems Corporation
H.R./Benefits Manager
EAC, Inc.
"Uniting wit
h Bethpage
decision for Federal Credi
"D'Addario & Company, Inc. partnered with Bethpage Federal St.Catherine t Union last
of Siena Med year was an
Credit Union in 1995, during this time Bethpage has been an Bethpage Fe ical Center. W excellent
deral Credit ithin this past
profit organi Union has al
essential piece in educating and assisting our employees with zation’s even ways been th year
ts. The staff ere to suppor
all their banking needs. Our employees appreciate the one on accommodat at Bethpage t our non-
ing to our em has been mor
offers our em ployees’ need e then
one interaction that is provided to them on site through the ployees num s here at St.
erous educat Catherine. B
Bethpage @Work program. Not only is the Bethpage @Work to assist with ional worksho ethpage
life’s financi ps and semin
discounts, ra al matters. O ars
program convenient but they offer bilingual assistance to those tes, and gift ur employee
cards provided s love the sp
employees who need it." to them from ecial
Bethpage."
Martha Leon
Danielle Rob
Human Resources Vice Presiden bins
t, Human Res
D'Addario & Company, Inc. St.Catherine ources
of Sienna Med
ical Center.
13. with Bethpage Federal
“Newsday is thrilled to be partnering
ity to us and BFCU always
Credit Union. Our employees are a prior “Misonix Inc. has offered the services of BFCU to their employees for
is extremely convenient to
makes us feel like a priority. The ATM the past 10 years. BFCU has helped employees establish credit, buy
The customer service is as
have in the building and a nice perk. homes, cars and take vacations. The prudent financial services that
is going to a branch.”
quick and efficient for the ATM as it BFCU offers has help sustain employees from the pit falls associated
with spontaneous aggressive investments. We view BFCU as a no cost
Trish Turtell ancillary benefit that we can provide to our employees.”
Human Resources Representative
Newsday Joe Gigante
Director of H.R.
Misonix Inc.
“One of the great things about Bethpage Federal Credit
Union is their availability to our employees. Besides having
convenient locations and bilingual services, they come on-
site and to our off-site facilities through their Bethpage @
“Adecco has
Work Program, not only during normal business hours, but offered BFCU
During that pe service to ou
also overnight for our night staff employees. That makes a big riod, BFCU pr r employees
ovided excell for almost 10
our most resp ent service an years.
difference to our night staff and shows how far BFCU will go to ected and trus d became on
often confus ted service pr e of
provide great member service.” ing, and BFC oviders. Fina
on-site meeti U has been ex ncial services
ngs to help ou tremely proa are
financial prog r employees ctive in prov
rams and serv better unders iding
Elaine Miller really apprec ices, but the tand not only
iate these se overall marke BFCU
Benefits Manager rvices, especi t. Our employ
ally in these ees
South Nassau Community Hospital market cond
itions.”
Gregg Nevol
a
VP, Total Pay
Adecco USA
14. For more information on our
Products and Services, please contact:
Taisha Reid
Business Development Relationship Manager
Ph | 516.349.6863
Email | treid@bethpagefcu.com
Thank you!
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