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Jets hire Maccagnan as GM and Bowles as HC. Who's starting the billboard fundraiser?
MikeGangGree... Icon : (Yesterday, 08:05 PM) Im getting it for a friend
Jetsfan0099 Icon : (Yesterday, 08:13 PM) SIGN WILL HILL
Jetsfan0099 Icon : (Yesterday, 08:14 PM) There are some decent FAs I hope we go after, we have like $48 mil in cap space, plus more once we get rid of Chris Johnson and Calvin Pace.
Jetsfan0099 Icon : (Yesterday, 08:14 PM) We'll have over $50 mil to spend
MikeGangGree... Icon : (Yesterday, 08:52 PM) sign everyone!!!!
HarlemHxC814 Icon : (Yesterday, 08:54 PM) I'd love to grab Cobb, Julius Thomas, and Mike Iupati
HarlemHxC814 Icon : (Yesterday, 08:56 PM) Lol for someone who doesn't like me and doesn't pay attention to what I have to say, GG sure loves talking about me
HarlemHxC814 Icon : (Yesterday, 08:56 PM) It's ok though buddy I love you
MikeGangGree... Icon : (Yesterday, 08:57 PM) We just need a QB to throw to them
Jetsfan0099 Icon : (Yesterday, 09:17 PM) Cobb isn't leaving the Packers
Jetsfan0099 Icon : (Yesterday, 09:18 PM) I hope we keep Harvin
MikeGangGree... Icon : (Yesterday, 09:28 PM) I like Harvin but I don't think we should pay him that much
MikeGangGree... Icon : (Yesterday, 09:29 PM) but if we can get a WR keep him
MikeGangGree... Icon : (Yesterday, 09:40 PM) idk how cap works sometime
MikeGangGree... Icon : (Yesterday, 09:41 PM) how can Denver have 31 mil in space?
MikeGangGree... Icon : (Yesterday, 09:43 PM) but I guess since they have to pay both Thomas this year that will go fast
MikeGangGree... Icon : (Yesterday, 09:45 PM) and have to pay miller next year
Jetsfan0099 Icon : (Yesterday, 10:20 PM) Are they not counting PEyton Manning?
Jetsfan0099 Icon : (Yesterday, 10:22 PM) A lot of their players increase cap hits after this season
Jetsfan0099 Icon : (Yesterday, 10:22 PM) you can work the numbers
Jetsfan0099 Icon : (Yesterday, 10:25 PM) if we release Harvin, we won't get him back most likely. Hes the most dynamic offensive player we have had in a while.
Jetsfan0099 Icon : (Yesterday, 10:26 PM) Plus he has no guaranteed money so we can release him at any time for no cap hits. Maybe they can rework his contract, but I hope we keep him
Jetsfan0099 Icon : (Yesterday, 10:26 PM) I think he will awesome in Chan's offense, maybe worth the $10 mil
HarlemHxC814 Icon : (Yesterday, 10:40 PM) We still have to pay Mo too
Jetsfan0099 Icon : (Yesterday, 10:47 PM) yup. We also happen to be in the big years of Mangolds' and Brick's contracts
Jetsfan0099 Icon : (Yesterday, 10:48 PM) Brick either restructures after this season or is released, noway he stays at $14 mil
Jetsfan0099 Icon : (Yesterday, 10:48 PM) I think he does restructure though, can't imagine Brick wanting to play elsewhere. I see him as a career Jet
Jetsfan0099 Icon : (Yesterday, 10:51 PM) need to re-sign Demario Davis and Damon Harrison as well
Jetsfan0099 Icon : (Yesterday, 10:52 PM) they shouldn't cost much though
HarlemHxC814 Icon : (Yesterday, 10:57 PM) I'd really love to bring in Franklin or Iupati
Jetsfan0099 Icon : (Yesterday, 10:59 PM) Franklin, Iupati, or Boling I would be happy with. We need a good OG.
Jetsfan0099 Icon : (Yesterday, 10:59 PM) I think that Oday would be fine as a starter for one spot, he showed promise. Plus it would be a competition between Oday, Winters, and Dozier.
Chadforpresi... Icon : (Today, 12:31 PM) Iupati would be a great signing. If Harvin doesn't restructure I would not be opposed to cutting him
ganggreen2003 Icon : (Today, 01:47 PM) See this is why you can't be taken seriously harlem
ganggreen2003 Icon : (Today, 01:47 PM) Orlando Franklin is a FLAG machine
ganggreen2003 Icon : (Today, 01:48 PM) he'd just be our 2014 version of Colon
ganggreen2003 Icon : (Today, 01:48 PM) HELL NO TO ORLANDO
HarlemHxC814 Icon : (Today, 02:42 PM) Still paying attention to what I say, huh?
HarlemHxC814 Icon : (Today, 02:43 PM) You are the wind beneath my wiiiiiiiings
HarlemHxC814 Icon : (Today, 02:46 PM) 0099 said he'd be happy with Franklin too, but you only bitch about when I said it. Seems legit
ganggreen2003 Icon : (Today, 03:12 PM) it is legit cause you're wasting bandwith with that bullsh*t
HarlemHxC814 Icon : (Today, 05:43 PM) Wasting bandwidth saying I want a certain player when someone else said they wanted the exact same player?
HarlemHxC814 Icon : (Today, 05:43 PM) How much activity was my one sentence really cluttering lol
HarlemHxC814 Icon : (Today, 05:44 PM) Like I said GG I still love you
HarlemHxC814 Icon : (Today, 05:46 PM) http://youtu.be/c9ZMDPf9hZw
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Credit Unions Poach Clients Misleading title but good info.

Poll: Where do you bank? (5 member(s) have cast votes)

Where do you bank

  1. Large multistate bank (2 votes [40.00%])

    Percentage of vote: 40.00%

  2. Regional or single branch bank (2 votes [40.00%])

    Percentage of vote: 40.00%

  3. Credit union. (1 votes [20.00%])

    Percentage of vote: 20.00%

  4. F the banks its under my bed bitz (0 votes [0.00%])

    Percentage of vote: 0.00%

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#1 User is offline   azjetfan Icon

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Posted 07 November 2011 - 12:34 PM

http://finance.yahoo...od=bb-budgeting


Thousands of people flooded into credit unions and small banks over the weekend as part of "Bank Transfer Day," an effort to prod depositors to abandon giant banks. But at least some of the big banks won't mind losing those customers.

On Saturday, the Boeing Employees' Credit Union in Seattle signed up a one-day record 659 new members. At the grand opening of a Randolph-Brooks Federal Credit Union branch in Pflugerville, Texas, the parking lot was so full that customers had to leave their cars across the street.

Dozens of people opened an account at the Texas credit union as a local disc jockey gave away prizes. "They'll treat me like a good customer," said Charlie Estes, 33 years old, who pulled his life savings out of J.P. Morgan Chase & Co., the largest U.S. bank as measured in assets. J.P. Morgan declined to comment.

It won't be clear for several weeks how many deposits moved to credit unions—the member-owned cooperatives that can't sell stock and don't pay taxes—on Bank Transfer Day. But the sprawling, loosely organized effort got lots of attention, partly because of controversial plans by Bank of America Corp. and other large banks to charge customers for using debit cards. The big banks retreated after widespread public furor.

[More from WSJ.com: Young Men Suffer Worst as Economy Staggers]

Executives at large banks have shown few signs of worry that depositors might walk out the door. One reason: People who gravitate to credit unions tend to be unprofitable for giant banks because of the small balances they keep on deposit, low number of products they buy and the relatively high account-maintenance expenses at big financial firms.

Moebs Services Inc., a research firm in Lake Bluff, Ill., estimates that it costs the giant banks about $350 to $450 per year to maintain a checking account. In contrast, smaller banks incur costs of $175 to $250 a year per checking account.

Banks try to recoup such costs by imposing overdraft fees and other charges. But new rules in the wake of the financial crisis limit some of those surcharges. The recent debit-card-charge mess was a failed attempt to close the gap.

Many banks also have done away with free checking, unless customers maintain a minimum balance and meet other criteria. But with the average checking account containing $5,200, according to research firm Raddon Financial Group in Lombard, Ill., many customers can't avoid the monthly charges.



More than three-fourths of credit unions offer no-strings-attached free checking, compared with 45% of banks, says Greg McBride, an analyst with Bankrate.com. Deposits at banks and credit unions are insured up to $250,000.

[More from WSJ.com: Make the Most of Holiday Work]

Credit unions held just 8% of federally insured deposits as of June 30, compared with 70% for banks that have assets of more than $10 billion.

Credit-union officials say those figures understate their actual reach in terms of customer numbers because most members at credit unions have small balances. Overall, U.S. credit unions have more that 91 million members, or nearly one in three Americans.

David Small, a spokesman for the National Credit Union Administration trade group, said many of the nation's 7,200 credit unions "are in rural areas where there is no other banking option."

Some bankers complain that credit unions have outgrown their status as a lender of last resort to poor and rural communities, and should be forced to pay taxes just like for-profit banks.

"At a time when state and local governments are struggling with lower revenue, why should some of these credit unions be subsidized if they are not going to provide those services?" said David Locke, chief executive of McFarland State Bank in McFarland, Wis. The bank has about $500 million in assets but is having trouble competing with nearby credit unions, he added.

[More from WSJ.com: The Footage the NFL Won't Show You]

Credit unions are lobbying Congress to let them make more business loans. The current limit is 12.5% of assets. Raising the cap would allow credit unions to diversify their loan portfolios and provide more capital to cash-strapped companies, Mr. Small said.

Yet several large commercial credit unions, which invest money on behalf of their retail members, went bust after loading up on high-risk mortgages during the housing bubble.

Some bank customers said they are unhappy—but not enough to give up the conveniences provided by big banks. "I'd love to change," said Michael O'Donnell, a Bank of America customer in Boston. "But the services they offer would be hard to replace."
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#2 User is offline   azjetfan Icon

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Posted 08 November 2011 - 01:46 PM

I can say we did not have a person come into any of our branches to close an account due to this on Saturday. Although we are a Community Bank so we probably were nor as effected as a Wells Fargo or BofA.
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