“We’re not scared of fintech.”Nor should you be, explains CUES member Andrew Kempf, president of $450 million 4Front Credit Union, Traverse City, Mich. “If it makes things better for member experience, then we embrace the concept,” says Kempf.Embracing fintech can mean a lot of things, but 4Front CU and four other Michigan credit unions have moved beyond support to startup investment, collaboration and ownership.“Fintech and the collaboration of credit unions is important because there are some very smart people out there, entrepreneurs that have ideas credit unions haven’t even thought of,” Kempf suggests. “It’s important that we be open-minded—we’re all concerned fintech is going to ‘eat our lunch,’ but if we collaborate, we can all have a bigger lunch.”These like-minded credit unions, including $855 million Community Choice Credit Union, Farmington Hills, Mich.; $632 million LAFCU, Lansing, Mich.; $489 million Team One Credit Union, Saginaw, Mich.; and $724 million Wildfire Credit Union, Saginaw, Mich.—along with Credit Union Solutions Group, Livonia, Mich., an arm of the Michigan Credit Union League—joined forces to cooperatively search for opportunities to innovate. For the past couple of years, the CUs have gathered for an annual “CUSO conference.” continue reading » 13SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
“What are you going to do in 10 years when small credit unions are gone and you are out of a job?”This is what a prominent leader in the credit union industry said to me five years ago when I told them I was hanging up my hat as a Vice President at a credit union and starting a marketing consultancy business to serve the small credit union market. Many people think small credit unions are going away and that they aren’t the ones making the impact in our market. That they are irrelevant and have no place in today’s market. I have heard this from various trade associations, vendors, and even other credit unions. Today, small credit unions make up over 70% of the credit union industry. As of April 1, there were 5,492 total credit unions in the US. 3,881 of them are under $100 million in assets, what our industry categorizes as “small.” What does it mean when people are wishing away a large majority of the market? I want to argue that these “small” credit unions have some of the largest stories to tell, largest impact on their members, and greatest brands of any in the industry. Five years after starting TwoScore, small credit union leaders across the nation regularly contact me saying how empowered and excited they are to tell their brand story and see the success of ALL small credit unions catch fire. The financial landscape truly is an ecosystem. By definition, an ecosystem is something (such as a network of businesses) considered to resemble an ecological ecosystem especially because of its complex interdependent parts. The credit union industry is an ecosystem within itself. There are large credit unions, small credit unions, large community credit unions, small community credit unions, large SEG-based credit unions, small SEG-based credit unions. Credit unions focused on supporting small businesses. Credit unions focused on underserved communities. The important part of an ecosystem is the balance achieved by al of these interconnected elements being in place.Want to help the credit union industry succeed? Don’t discount the small credit unions, their impact and their leaders who work tirelessly every day to build communities, serve members and their employees. Support them as their peers. We are one industry with thousands of these interconnected parts. Smaller ones succeeding will help all credit unions. 118SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Amanda Thomas Amanda is founder and president of TwoScore, a firm that channels her passion for the credit union mission and people to help credit unions under $100 million in assets reach … Web: www.twoscore.com Details
Categories: Letters to the Editor, OpinionMore proof Trump doesn’t understand our military or our democracy: He could have been the military man he says he is. But he instead used his money (fake medical) not to. He played golf while others were killed, maimed and got PTSD. The military should not be used to feed his ego and bullying personality.Jeffery DareLathamMore from The Daily Gazette:EDITORIAL: Beware of voter intimidationEDITORIAL: Thruway tax unfair to working motoristsEDITORIAL: Find a way to get family members into nursing homesFoss: Should main downtown branch of the Schenectady County Public Library reopen?Albany County warns of COVID increase
The Handball National Team of BiH celebrated in qualifiers for the World Cup that will be played in Germany and Denmark in 2019. They won against the National Team of Switzerland in St. Gallen with the score 24:21.Our national team was better at the opening of the match and after just three minutes, Vegar and Vranjes scored two goals (2: 0). Swiss team scored their first goal in the fifth minute of the match. Von Deschwanden was the most eager in the ranks of Swiss team at the opening of the match, and after 12 minutes, the result was 4: 4.We managed to get the advantage in the first half of the match with the score 7: 6, but the opponents scored two goals just ten minutes before the end of the first half (10: 8). They defended their advantage until the end of the first half. However, we managed to equalize the score with goals of Vranjes and Ovcina, and we went on the break with the score 12:12.We had two goals of advantage just ten minutes before the end of the match. Tarabochi scored and brought a great advantage to our team. There were no goals in the next five minutes of the match. Marco Tarabochi scored three goals just four minutes before the end of the match. Two minutes before the end we came to a plus three (23:20). We managed to preserve our advantage and celebrated with the result 24:21.The most effective player in the ranks of our national team was Marin Vegar with six goals. Our team will play the last match of qualifications in Tuzla on January 13.(Source: Radiosarajevo.ba)
FILE PHOTO: Uganda’s Peruth Chemutai (2L) compete in the Women’s 3000m Steeplechase at last year’s Olympics.SHANGHAI Diamond League2.40pm800mRudisha2.45pm3000m SteeplechasePeruth Chemutai3.20pm5000mMercyline Chelangat Share on: WhatsApp Double Olympic champion David Rudisha is one of four Kenyan track stars set to take centre stage at the Shanghai Diamond League meeting Saturday May 13, when many of the greatest distance runners in the world will be stretching their legs in pursuit of early season points.Rudisha was fifth on his Shanghai debut 12 months ago and the 800m world record holder is relishing the chance to make amends as he takes on fellow-Kenyan Olympic finalists Ferguson Cheruiyot and Alfred Kipketer, plus Polish pair Adam Kszczot and Marcin Lewandowski.Shanghai is the second leg of the athletics Diamond League, following the opening Doha Diamond League on May 5, where Uganda’s Jacob Kiplimo featured and finished 7th in the 3000m.Two Ugandans will compete in Shangahi.Seventeen-year-old Peruth Chemutai, who finished 7th in the junior women’s race of the World Cross Country Championships, renews her 3000m steeplechase rivalry with several Kenyans and Ethiopians who did well in Kampala.Top on the list in Shanghai is Olympic 3000m steeplechase champion Ruth Jebet of Bahrain and silver medalist Hyvin Kiyeng from Kenya. The race is however a Shanghai event, and does not count to the Diamond League points.Mercyline Chelangat will run the 5000m that has a star field that includes Kenya Olympic 5,000m silver medallist Hellen Obiri.
Tags: Conor Gough, England Boys’ Squad, English Men’s Amateur Championship Conor Gough produced a sparkling performance to win the English Men’s Amateur Championship at Hankley Common in Surrey.The 16-year-old from Stoke Park beat 20-year-old Callum Farr from Northamptonshire County 3&2 in the final to add to the McGregor Trophy and the British Boys’ titles he won last year.Gough spent much of the early part of the season studying for his GCSEs but clearly the enforced break has had no detrimental effect on his golf.He began the morning round of the final by hitting a 350-yard drive down the first and then holing out from 12-feet for a birdie and seven holes later he was three up after a birdie on the 6th and an eagle on the 8th.20-year-old Farr claimed his first hole of the day when he birdied from just off the front of the green at the 10th but he could never quite reel in his opponent and he was four down heading into lunch before he won the 18th with a par.Farr started the second round strongly by winning the first with a birdie and the second with a par but he found himself three down again after dropping shots at both the 4th and the 5th. Thereafter the pair were to share eight birdies between them before Gough sealed victory with a testing four-foot downhill putt for a par on the short 16th.“It feels great to win,” said Gough moments after holing the winning putt. “I played really well. I love match play and as soon as I got through the stroke play qualifier I knew I had a good chance.“I’m proud of myself. I’ve got a couple of big weeks coming up so I hope I can keep things going.“I’ve got the Boys’ Home Internationals next week and then the US Amateur Championship at Pinehurst. I’m really looking forward to that. It’s the same format as this so hopefully I can put in another good performance.”It was impossible not to feel for England “A” squad member Farr who has now reached the last four and the last two in the past two years without tasting success.“I hit the ball better this afternoon but just couldn’t get the putts to drop,” he said. “I’m disappointed but Conor is a very good player and he deserved to win because he played a lot better than me.“I got to the semi-final last year and now the final so maybe next year will be my year,” he added.Photo: Credit Leaderboard Photography. 5 Aug 2019 Gough claims Men’s Amateur title
It’s time for another boat load of fishing information from Kerry Reed of Reel Adventures Sportfishing. Now that summer is over what better time is there to get out in the boat for some fishing.We’re back from the coast. And a busy summer it was. Our boat kept busy every day on the ocean, and our boats kept steady at home on Kootenay Lake and Columbia River. The ocean threw some curveballs at us this year. July was a very windy month on the West coast and made for some tougher conditions. And when the weather cooperated, the fish decided to be stubborn and make us work very hard for our catch. It seemed like the fish were holding in areas just beyond our reach for a while. And our usual expectations were a lot harder to meet this year. However, we did manage to have quit a few good days mixed in with the slower days. Fish would show up for a couple days, then move on. So, we found ourselves catching our limits on some days in a few hours, but other days we would have to work harder for our fish. Makes the sales pitch for booking three days seem a lot more reasonable. After the tough conditions of July, we found ourselves with better conditions and better fishing during August. In fact, the last three weeks of our summer were the best three weeks. Seemed like the fish were showing up later than normal. Halibut fishing was good when we planned the time for it. However a lot of days we spent longer hours trying for our salmon and left not a lot of time to target halibut. But, when we did target halibut, the fishing was great. Some groups managed to land 5 or 6 big halibut each day. In fact, one of my regular groups ended up with over 100 pounds of fillets of halibut one day. So, it just proved that you have to put your time in. Another good reason to plan on a three-day trip. Our biggest Salmon this year was just over 33 pounds. And our biggest Halibut this year was around 72 pounds. Just below the maximum size limit. So, to sum it up, the season started out slow, but ended with a bang. It’s different every year. Here’s hoping next year starts with the bang and continues throughout. Thank you to everyone who joined me this year! Looking forward to next year already. And now back to the Kootenays. Kootenay Lake: Our guides were kept busy with tourists this summer. July saw some good days of catching 10 or more fish. A mix of Rainbows and Bull trout manage to keep everyone busy. Then in August, as the water temperatures really warmed up, we were catching more Bull Trout than rainbows. But still enough fish to keep the clients happy. And now that September is almost over, we have noticed a drop in water temperature, and the rainbows are starting to come out to play again. Our last few trips since I’ve been back have yielded up to 10 fish a day, with a good mix of Rainbows and bull Trout. The fishing should only get better as the water cools. Looking forward to our fall fishery. Columbia River: The river produced fish all summer long. We would get a good run of consistent fishing as long as the water levels remained consistent. Rainbows and walleye up to five poundsare stacked up right now, and the fishing should be good for both throughout October. Look forward to what the river has to offer in the next couple months. Stay tuned…………… What are they biting on ??? On Kootenay, we are catching most of our Bull Trout on the usual flasher/hoochie combo on the down rigger. We have also had good luck with our Lyman plugs down 60 – 120 feet. The Rainbows have been hitting the down rigger as well. Some of my favourite Gibbs Delta spoons have been working well on the rainbows, as well as the flasher/hoochie combo. Some fish are starting to come to the surface again as well. We have caught a few Rainbows each day on our buck tail flies as well as some smaller hockey sticks and spoons. On the river, we have been catching most rainbows on small spoons or spinners, as well as on the fly. Also, the walleye have been hitting regularly on rubber twister tails on a jig or on a bottom bouncer with worm. Both techniques have worked well. That sums it up for now. Lets get out there. Tight lines………………Kerry Reed Reel Adventures Sportfishing
Embed from Getty ImagesGeorges-Kévin N’Koudou and Juan Foyth both get chances to impress for Tottenham in tonight’s Champions League game at Wembley.Spurs, already through to the knockout phase, make a number of changes, resting the likes of Harry Kane, Christian Eriksen, Eric Dier and keeper Hugo Lloris.Dele Alli does play, as does Danny Rose, while youngsters Luke Amos and Kaziah Sterling are among the substitutes.Tottenham: Vorm, Aurier, Sanchez, Foyth, Rose, Winks, Sissoko, Alli, Nkoudou, Son, Llorente.Subs: Gazzaniga, Davies, Vertonghen, Amos, Dembele, Sterling, Walker-Peters. Follow West London Sport on TwitterFind us on Facebook
You can get involved with television personality Dr Michael Mol, entrepreneur Emmanuel Bonoko and social cohesion activist Yusuf Abramjee, here:Emmanuel Bonoko, founder of E Bonoko Foundation, is one of the guests on episode eight of the Play Your Part television series, broadcast on 28 October 2017. (Images supplied)Brand South AfricaIn episode eight of the Play Your Part television series you’ll hear how Emmanuel Bonoko uses his companies to run a book drive for youth in impoverished communities. He also holds workshops on entrepreneurship and mentorship.The other two guests are Yusuf Abramjee and Dr Michael Mol. The episode of Play Your Part, which will be aired on Saturday, 28 October, is hosted by musician Kabelo Mabalane.Here’s how you can get involved with the guests and their initiatives:Emmanuel BonokoBonoko’s book drive project was founded in 2012 under the E Bonoko Foundation. The books are delivered to schools in impoverished areas, libraries, prisons and community centres. The entrepreneur also hosts various speakers who give talks on leadership, business and youth empowerment under his company, E Bonoko Holdings.Contact detailsWebsite: ebonokofoundation.co.zaEmail: [email protected]: @EMMANUELBONOKOYusuf AbramjeeYusuf AbramjeeAbramjee was Primedia’s Lead SA ambassador, a campaign that spreads news of South Africans doing great work to make the country a better place. This Play Your Part ambassador is involved with several non-governmental organisations. He is also the director of Crime Stoppers International, as well as ambassador of initiatives such as the CEO Sleepout South Africa and #TurnBackCrime.Contact detailsWebsite: abramjee.comEmail: [email protected]: @AbramjeeDr Michael MolDr. Michael MolMol found a way to give every South African access to a doctor via their cellphones by using mobile technology. His passion for medicine also led to two television series, Hello Doctor and The Dr Michael Mol Show, which he produces.Contact detailsWebsite: drmichaelmol.comEmail: [email protected]: @drmichaelmolPlay Your Part is broadcast at 18:00 on Saturdays on SABC 2.To get involved in playing your part in South Africa:Check out the conversation on Twitter: #GetInvolved; orFind out about initiatives on Play Your Part here.Tell us how you Play Your Part through our social media channels:Follow us on Twitter: @PlayYourPartSA;Follow Brand South Africa on Twitter: @Brand_SA;Like us on Facebook: Official Brand South Africa.Would you like to use this article in your publication or on your website? See Using Brand South Africa material.