Members can stay within their budget, even during “dangerous” shopping seasons

first_imgWe’re entering a dangerous season for budgets. Members no sooner navigate the treacherous waters of back-to-school when, oh no, it’s holiday shopping season! The lists seem to get longer every year, but budgets strangely enough never seem to grow accordingly. Staying within a budget is something everybody has to work at. If your members plan to hit the department stores and shopping malls with a list and a prayer that they won’t overdo it, or worse, run out of money, wish them luck.Or you can do something better. Make sure as their credit union you are providing them with the latest tools to help manage their money. After all, credit unions are about serving all their members’ needs, from the big ones to the little ones, including helping them stay within a budget. Of course you can’t go shopping with your members, looking at everything they throw in the cart and scrutinizing what they’ve spent and what they have left. It’s impractical, impolite, and besides all that, you wouldn’t all fit in the minivan.Prepaid cards mean never having to say you’re sorry for overdrawing your accountYou may not be able to go with your members, but there are tools your credit union should be offering to help them manage their funds and stick to a predetermined budget without fear of going over. The combination of a prepaid debit card and a solid mobile app they can sync to will enable members to watch those dollars more closely. Prepaid debit cards like the CUMONEY® Everyday Spend card allows members to load the amount they want to spend ahead of time and use only that for all their shopping. The great thing about prepaid debit cards is they cannot be overdrawn, making it very difficult for members to go over their budget.They are even more helpful when trying to teach young consumers about staying within a budget. Sure it can be a great time saver for mom and dad when their teen wants to do their own back-to-school or holiday shopping, but handing a teenager a credit card and turning them loose in a mall could have devastating results. The NewGen® prepaid debit card for teens * from LSC® is awesome for watching their spending while still giving them a bit of financial freedom. Since users have to load prepaid cards, and they’re not directly linked to a member’s account, it means no NSF’s. Plus most teen cards like NewGen have set transaction limits as well as maximum daily spending limits.Making lists, checking them twice We’re all living in the mobile age now. Statistics say there are nearly 183 million smart phone users in the world right now – soon it will be 200. The smartest among them are credit union members shopping with prepaid debit cards, leaving their cash and credit cards at home, and using their phone to manage their budget. At this point we all know cards are safer than cash, and prepaid cards are even more secure with their set amounts and limits, and not being linked to a deposit account. What you may not know is some prepaid card providers are beginning to offer free mobile applications which can be downloaded onto smartphones to sync-up and manage prepaid accounts.Prepaid debit card users love that mobile apps like the CUMONEY® prepaid mobile app are a quick, convenient way to keep an eye on their balance. Members can review purchases, double check how much was charged, and determine if they need to load more funds, no matter where they are. Keeping one eye on their shopping list and the other on their prepaid card’s mobile app will help them be sure they stay on task.Helping your members stay within a budget is good for them and for your credit union. Plus it’s just another way you stand out by offering competitive products that are beneficial for your members and their families. At the very least, you’ll help reduce some of their stress during those crazy, crowded trips to the mall. 73SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Bart Scott Bart is the Marketing Communication Coordinator for LSC in Naperville, IL. He has worked for the Illinois Credit Union System in various roles for nearly five years. Prior to his … Web: www.lsc.net Detailslast_img read more

Long Island’s Craig Biggio Elected to Baseball Hall of Fame

first_imgBiggio will be inducted at a ceremony on July 26 in upstate Cooperstown along with three pitchers: one-time Yankees southpaw Randy Johnson, Pedro Martinez, the Boston Red Sox ace who happily inflamed and already heated Red Sox-Yankees rivalry (and spent four years with the Mets), and John Smoltz, a key member of the Atlanta Braves’ three-headed pitching monster that included recent hall of fame inductees Greg Maddux and Tom Glavine.Johnson and Martinez, both of whom were on the ballot for the first time, appeared on more than 90 percent of the 549 ballots cast—with Johnson coming in at an impressive 97.3 percent.Out of the four, Biggio is the only inductee to play for one team during his lengthy career.He spent 20 years with the Houston Astros—a career that began in 1988, only one year after he was drafted by the franchise in the first round of the amateur draft.Known for his durability and versatility, Biggio secured more than 3,000 hits while playing three different positions: second base, catcher and outfield.Biggio’s career was not defined by dominant performances, but rather his longevity, which oftentimes precludes a player from induction.But Biggio, the consummate teammate, compiled impressive numbers during his 20-year career. He was a reliable defender, having been awarded four gold gloves between 1994-97 at second base. He scored more than 100 runs eight times, slugged 291 home runs and drove in 1,175 runs. A seven-time All-Star, Biggio posted a .400-plus on-base-percentage four times.Biggio’s .281 batting average belied his offensive production: he hit more doubles than any other player in three different seasons, and twice finished with the most runs scored. He was presented the Silver Slugger award—given to the best offensive player at each position—five times, once as a catcher and four times as a second baseman. Biggio was also a threat on the base paths, five times finishing in the top 10 in stolen bases.Once again falling short of the ballot cut was Mike Piazza, the former Mets catcher who on the surface would seem to be the perfect candidate for the Hall of Fame. But Piazza, who played during the steroid-era, as did all four inductees, has fallen under suspicion of having tainted numbers despite his never being linked directly to performance enhancing drugs.The four players most closely associated with baseball’s steroid era—Roger Clemens, Barry Bonds, Mark McGwire and Sammy Sosa—all fell well short of the 75-percent mark. Don Mattingly, the beloved Yankees first baseman whose career was derailed by a back injury, received only 9.1 percent of the vote in his final year on the ballot. Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York After falling two votes shy last year of entering the National Baseball Hall of Fame, Long Island-native Craig Biggio on Tuesday learned that he had appeared on enough ballots this time around to enter Cooperstown. Biggio, who grew up in Smithtown and attended Kings Park High School, appeared on 82.7 percent of the ballots cast by the Baseball Writers’ Association of America—comfortably eclipsing the 75-percent threshold to earn induction. It was his third time on the ballot.“It still hasn’t hit me,” Biggio said at a press conference after the results were announced. “It’s still very surreal.”Struggling for words, Biggio said his induction was “pretty cool, I gotta be honest with you.”center_img View image | gettyimages.comlast_img read more

Watch a Preview of Governor Wolf’s Budget Address

first_imgLike Governor Tom Wolf on Facebook: Facebook.com/GovernorWolf SHARE Email Facebook Twitter February 06, 2017 Budget News,  The Blog,  Videos On Tuesday, February 7th at 11:30 AM, Governor Tom Wolf will deliver his biggest policy speech of the year — the 2017-2018 Budget Address.Watch this preview from Governor Wolf, and make sure you tune in for the full 2017-2018 Budget Address live this Tuesday at 11:30 AM on Facebook Live or governor.pa.gov/live.TRANSCRIPT:Hi Pennsylvania – Tomorrow at 11:30 A.M., I’ll present my 2017-2018 fiscal year budget proposal for Pennsylvania.And, I will continue to take a different approach to moving Pennsylvania forward.For many years, our commonwealth has faced multi-billion dollar deficits. When faced with these challenges, the previous administration slashed funding for schools and our most vulnerable while using shifty accounting maneuvers that only worsened our short fall in the long run.We’re not going to do that. We’re not going to give Harrisburg another free pass while asking the middle class to make more sacrifices. Here’s what I’m going to do instead:Protect our historic investments in education and continue to increase funding for our schools.Get rid of red tape, do away with unnecessary bureaucracy in Harrisburg, shrink the size of our government, and eliminate waste.Make sure seniors and individuals with disabilities receive the quality services they need to thrive.Continue to dedicate resources to battling the heroin and opioid public health crisis that is devastating families throughout the commonwealth.And grow our economy by training our workforce and funding job creation initiatives that work.By cutting government waste and bureaucracy, we can and we will secure investments in Pennsylvania’s future. I hope you’ll tune in tomorrow at 11:30 AM to hear more. Thank you. Watch a Preview of Governor Wolf’s Budget Address By: The Office of Governor Tom Wolf   SHARE  TWEETlast_img read more

UK offshore helicopter study wins award for innovative contribution

first_imgThe results of a joint project by Robert Gordon University (RGU) and Step Change in Safety into the body sizes of UK offshore workers on board various helicopter crafts has received an award for outstanding contribution to ergonomics.RGU said on Thursday that the three-month study was a response to a mandate from the Civil Aviation Authority to ensure offshore workers were sitting adjacent to windows through which they could make an emergency escape.The project involved measuring the shoulders of a 75,000 strong workforce to establish how many were designated as ‘XBR’ or ‘extra broad.’With these figures, the team would be able to advise seating logistics which maximized the probability of successful escape following concerns about window egress in an emergency situation.After the project was completed, the team was awarded the William Floyd Award from the Chartered Institute of Ergonomics and Human Factors, for outstanding and innovative contributions to the field. The study was led by Arthur Stewart, from RGU’s School of Health Sciences.Stewart said: “[…] we were able to discover that approximately 3% of offshore workers had a shoulder breadth exceeding 55.9cm, reaching XBR status, and we could then examine the safety implications of their seat positioning within the different models within the helicopter fleet.”Stewart collaborated on the project with Emily Taylor, a senior business analyst from Step Change in Safety, who oversaw a range of aspects of the work, including being the central liaison with industry stakeholders such as the CAA and helicopter operators.Her work also included the marketing and promotion of the scheme directly to the workforce and licensing of equipment required.Taylor added: “Collaboratively, we identified a specific issue, created a simple more sustainable solution which was easy to roll out, with minimal disruption to the user and the sector.”Also playing a key role was RGU’s graduate Robert Ledingham from Survitec oversaw logistics for the study and organized a number of training events for measurers.Ledingham said: “Being able to continue the work I undertook during my Masters of Research project and apply the findings to a real-world health and safety application was a rare and fortunate opportunity of which I am proud.”The team accepted their award at an event held at Birmingham’s Hilton Metropole Hotel which hosted the 2018 Chartered Institute of Ergonomics and Human Factors Annual Conference last week.last_img read more

Sergeant-major parents ‘just as bad’ as over-protective mums

first_imgWaikato Times 18 Nov 2011A parenting expert has hit back at social commentator Celia Lashlie’s claims that over-protective mothers are the reason many young men kill themselves behind the wheel. Parent Inc presenter John Cowan says “sergeant major” parents are just as bad. His comments come after Mrs Lashlie yesterday said many teenage boys were being killed on the roads because their mothers smothered them and refused to let them discover the consequences of their own actions. And while John Cowan agreed there was some truth to Mrs Lashlie’s comments, he said children also rebelled against parents who were too strict. “The flipside is the sergeant-major parents who are too strict and set too many rules, those kids don’t get space to think either. Parenting is hard and there are lots of ways to get it wrong. There is no silver bullet for any parent, it is basically engaging in their wold, teaching by example, nurturing and setting limits.” Mrs Lashlie’s comments sparked a flurry of online comments.http://www.stuff.co.nz/waikato-times/news/5989795/Sergeant-major-parents-just-as-bad-as-over-protective-mumslast_img read more

Football Friday-Week #5 (9-20)

first_imgWRBI Area Football Friday Games for Week #5-(9-20).On The Radio & On The Web-The Batesville Bulldogs host The East Central Trojans.Kickoff at The Dog Pound will be at 7.  Jerry Stenger and Jeff Miller will have the call of the game.  WRBI’s Countdown To Kickoff at 6.We will keep you up to date with our other area games.Greensburg hosts South Dearborn.Connersville at Rushville.Milan at North Decatur.Saturday’s games.Franklin County vs. Lawrenceburg at Lucas Oil Stadium-Indy.South Decatur at Tecumseh.last_img read more

Parma offer chance to right irritating Sassuolo draw

first_imgInter Milan assistant manager, Cristian Stellini , has said there’ll be no underestimating Parma. “We analysed that match and realised that the experience will be very valuable for us to avoid making the same mistakes against Parma. We need to be sharp and cool-headed in front of goal if we are to achieve victory. read also:Valencia interested in loan move for Chelsea goalkeeper “When we drew with Parma earlier this season, we created our own problems, so we must be up to the task. We must be smart enough to recognise the opportunities and take them, with the right attitude throughout the match. “We have to take it one game at a time and have been doing a lot of psychological work with the players, as this end to the season is a whole new experience for everyone.” FacebookTwitterWhatsAppEmail分享 Inter need victory to stay in touch with Serie A leaders Juventus. “This is an important game, coming after a pretty irritating draw with Sassuolo,” Stellini told Inter TV.Advertisementcenter_img Loading…last_img read more

Botafogo confirm interest in Mikel

first_imgRelatedPosts Mane double eases Liverpool to win over 10-man Chelsea EPL: Chelsea, Liverpool in cagey duel Chelsea sink Brighton to make winning start Botafogo’s commercial and marketing vice president, Ricardo Rotenberg, has confirmed that the Brazilian club was interested in signing former Chelsea ace, John Obi Mikel.He, however, revealed that despite his affection for the Nigerian star, the experienced defensive midfielder would not be joining up with the Serie A side as the club is satisfied with their transfer dealings ahead of the new season. With the 2020-21 Brazilian league season set to kick-off in August, Botafogo looked to add more international spice to coach Paulo Autuori’s team and were for a while linked with the African duo of Mikel and ex-Barcelona powerhouse Yaya Toure.Mikel, one of Nigeria’s most decorated footballers ever, has been a free agent after ending his association with Trabzonspor during the onset of the coronavirus pandemic in Turkey.But the former Super Eagles skipper and Botafogo couldn’t reach an agreement during negotiations with the Lone Star proceeding to sign Ivory Coast’s Samuel Kalou and Japan’s Keisuke Honda instead.Rotenberg insists that the two-time Campeonato Brasileiro Série A champions have a lot of respect for Mikel but that they have concluded their dealings in the international transfer market.“Obi Mikel is no longer looking to come to Botafogo, regardless of the salary issue,” he told TF Channel, as per GazetaEsportiva. “We have already brought two foreigners who played a long time in European football, one Asian and the other African. We’re satisfied.“Obi Mikel is no longer interested in Botafogo, despite being a great player and incredible personality. I liked him a lot, but he won’t come.”Tags: BotafogoChelseaJohn Mikel ObiRicardo Rotenbeglast_img read more

Peace can’t rule out West Brom sale

first_img Press Association The Hawthorns chief remains committed to the Baggies but would be open to offers. Albion have announced pre-tax profits of £14.7million for the year ending June 30, 2014 and are looking for fresh investment. West Brom chairman Jeremy Peace has refused to rule out selling the Baggies to the right buyer.center_img They are believed to have spoken to contacts in the City after the new TV deal, worth more than £5billion to the Barclays Premier League, was signed last week. The Baggies have sent their Annual Report to shareholders and Peace has revealed his views. He said: “I said then that I was open to proposals regarding investment in the club and would not stand in the way of a new owner, providing they convinced me their intentions for the club were in keeping with its traditions and values and their ability to deliver on them was realistic. “Nothing has changed in that regard. The recent announcement of a new and record media rights deal for the Premier League from season 2016-17 is sure to mean that there is once again huge interest in the brand. “It was only right and prudent, in my view, that at such a moment we should present the club to the investment market. “I am happy to continue as we strive to deliver Premier League football whilst growing the club within our means. “But equally if there was someone out there willing and capable of taking the club further forward, I would be willing to step aside and negotiate a change of ownership providing it was an investment that was right for the club.” The club’s financial statement revealed an income of £86.8million, even though overall staff costs continued to increase to £65.5million which represents more than 75 per cent of turnover. Peace added to the club’s official site: “The club continues to fight its ground in an increasingly competitive market.” last_img read more

Grant misses 2nd half against Maryland, expects to play versus Virginia

first_img Published on February 25, 2014 at 12:32 am Contact Stephen: sebail01@syr.edu | @Stephen_Bailey1 Facebook Twitter Google+ COLLEGE PARK, Md. — Jerami Grant did not play the final 22:01 of No. 4 Syracuse’s 57-55 win at Maryland on Monday night due to a sore back.Grant, who finished with four points in 13 minutes, said he experienced similar pain in the Orange’s loss to Duke on Saturday, but this time he was unable to return to the court after halftime.“It’s fine,” Grant said. “I’m not sure when it happened, but it’s just a little injury. I’ll be back. I’m fine.”Grant said he expects to play in SU’s game against No. 12 Virginia on Saturday, and asked to re-enter the court at the Comcast Center late in the game as the Terrapins rallied back to nearly upset the Orange in the final moments.“He wanted to go in in the last 30 seconds and I said it was a little late,” SU head coach Jim Boeheim said with a smile.AdvertisementThis is placeholder text“He just told me to rest. He already knew we were going to win the game,” Grant said.Boeheim said Grant has experienced similar soreness in his back before and been able to play full games soon after.In his absence on Monday, point guard Tyler Ennis became more offensive-minded and finished with a team-high 20 points.He said there are a number of adjustments SU needs to make when it’s without the hyper-athletic 6-foot-8 forward.“We’ve got to help on rebounding,” Ennis said. “He’s a big piece of our team, so whenever you lose someone like that it’s going to be a little bit different.”Luckily for the Orange, it has five days before traveling to face the Cavaliers in its next game. And for Grant and the rest of his tired teammates, that means time to rest.Said Boeheim: “We’re going to the whirlpools. We’re going to spend a lot of time there. We need a couple days to take it easy and then get back.” Commentslast_img read more