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JETS SUPER BOWL THIS WEEKEND
azjetfan Icon : (Today, 02:17 PM) Is Paul Hackett back? 3 and 8 and we runa draw?
Jetsfan0099 Icon : (Today, 02:18 PM) yes that is true too, we need to get rid of Idzik because I don't trust him hiring a new HC, using our top pick well, or using our cap space
ganggreen2003 Icon : (Today, 02:18 PM) great coverage
ganggreen2003 Icon : (Today, 02:19 PM) SACKED!!!!
Jetsfan0099 Icon : (Today, 02:19 PM) RICHARDSON
ganggreen2003 Icon : (Today, 02:19 PM) SHELDON!!!!
Jetsfan0099 Icon : (Today, 02:19 PM) Richardson is gonna get paid, him and Wilkerson will cost big bucks
ganggreen2003 Icon : (Today, 02:20 PM) The STUD Sheldon
Jetsfan0099 Icon : (Today, 02:20 PM) 7.5 sacks for Richardson
ganggreen2003 Icon : (Today, 02:20 PM) now we need to get aggressive in the 2nd half
ganggreen2003 Icon : (Today, 02:21 PM) if Rex wasn't so disinterested in the Offense I'd consider him to return but he could give a flying f*** about the O so I want him gone
ganggreen2003 Icon : (Today, 02:22 PM) and those sweater vests are the most hideous things in the world
Jetsfan0099 Icon : (Today, 02:22 PM) if only we could keep REx as a DC
ganggreen2003 Icon : (Today, 02:23 PM) he'll be the next HC of the Chicago Bears
Jetsfan0099 Icon : (Today, 02:26 PM) That'll be interesting, bring back the monsters of midway
jetfan4life12 Icon : (Today, 02:28 PM) It's nice to see the jets giving 100% every play. Why can't they do that every week
ganggreen2003 Icon : (Today, 02:29 PM) cause we don't have the talent
ganggreen2003 Icon : (Today, 02:29 PM) we are mediocre
jetfan4life12 Icon : (Today, 02:29 PM) 0099 Harvin is another Devon Hester
jetfan4life12 Icon : (Today, 02:30 PM) similar to Hester
Jetsfan0099 Icon : (Today, 02:36 PM) Harvin is way better than Hester
ganggreen2003 Icon : (Today, 02:37 PM) damnit
ganggreen2003 Icon : (Today, 02:37 PM) we should of had that INT
ganggreen2003 Icon : (Today, 02:38 PM) good flag
ganggreen2003 Icon : (Today, 02:38 PM) on back to back plays
azjetfan Icon : (Today, 02:41 PM) Harvin is a way better receiver than Hester. Not even close
ganggreen2003 Icon : (Today, 02:44 PM) we are moving the chains
Jetsfan0099 Icon : (Today, 02:46 PM) of course we are going to win this...
ganggreen2003 Icon : (Today, 02:48 PM) settle for 3
ganggreen2003 Icon : (Today, 02:49 PM) only a 6 point lead
ganggreen2003 Icon : (Today, 02:49 PM) we can still lose
ganggreen2003 Icon : (Today, 02:49 PM) since we got the 1 redzone td out of the way in the beginning of the game we ain't scoring another redzone td the rest of the game we are only allotted 1 a game
ganggreen2003 Icon : (Today, 02:56 PM) is anyone's feed coming in broken on their TV?
ganggreen2003 Icon : (Today, 02:58 PM) we are going to let them take the lead
ganggreen2003 Icon : (Today, 02:58 PM) how frustrating
ganggreen2003 Icon : (Today, 02:59 PM) we held them to 3 amazing
ganggreen2003 Icon : (Today, 03:04 PM) you knew that was coming
Jetsfan0099 Icon : (Today, 03:04 PM) LMAO Geno throws the INT
ganggreen2003 Icon : (Today, 03:05 PM) he had to throw a bad INT
ganggreen2003 Icon : (Today, 03:07 PM) why didn't Harris run that back
ganggreen2003 Icon : (Today, 03:08 PM) that ball never hit the ground
ganggreen2003 Icon : (Today, 03:08 PM) that is not being heads up
ganggreen2003 Icon : (Today, 03:08 PM) that ball bounced off Pace
ganggreen2003 Icon : (Today, 03:08 PM) and right into Harris' arms
ganggreen2003 Icon : (Today, 03:11 PM) damnit why couldn't that play break that fuckers leg
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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%

Vote Guests cannot vote

#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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