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"We're not a bad football team; we just do stupid stuff," said Eric Decker
MikeGangGree... Icon : (28 October 2014 - 09:28 PM) Jose Canseco just pulled a Plaxico Burress.
azjetfan Icon : (28 October 2014 - 10:01 PM) Shot himself in the leg?
HarlemHxC814 Icon : (28 October 2014 - 10:05 PM) Shot his middle finger
MikeGangGree... Icon : (28 October 2014 - 10:09 PM) Suck for the Duck
santana Icon : (29 October 2014 - 10:57 AM) Milber didnt die for this
azjetfan Icon : (29 October 2014 - 12:30 PM) How pissed are we all going to be if Vick comes in and wins a bunch of games knocking us out of the top 5 picks?
azjetfan Icon : (29 October 2014 - 12:32 PM) We are sitting in either 2 or 3 depending on the tie breaker with Jax
azjetfan Icon : (29 October 2014 - 12:32 PM) If Oakland can pull out a couple wins we would be in good shape.
Jetsfan0099 Icon : (29 October 2014 - 01:35 PM) Vick=$$$
MikeGangGree... Icon : (29 October 2014 - 07:09 PM) THE BEETS
santana Icon : (29 October 2014 - 07:10 PM) Patty mayonnaise never gave up that poon
santana Icon : (29 October 2014 - 07:51 PM) Game 7
MikeGangGree... Icon : (29 October 2014 - 07:54 PM) Forget the Beets
MikeGangGree... Icon : (29 October 2014 - 07:54 PM) forget game 7
MikeGangGree... Icon : (29 October 2014 - 07:54 PM) THE KNICKS
santana Icon : (29 October 2014 - 08:07 PM) No one cares about the Knicks
santana Icon : (29 October 2014 - 08:07 PM) NO ONE LIKES MILLHOUSE
MikeGangGree... Icon : (29 October 2014 - 09:14 PM) No one cares about Santana
MikeGangGree... Icon : (29 October 2014 - 09:15 PM) after we traded you
santana Icon : (29 October 2014 - 09:36 PM) Well fine! I'll start another fanboard with black jack and hookers! Infact forget the fanboard!
MikeGangGree... Icon : (29 October 2014 - 10:27 PM) Was the best time of your playing days the Monday night game against Dallas in 05??
MikeGangGree... Icon : (29 October 2014 - 10:31 PM) https://www.youtube....h?v=3MQnxQdvIgY
MikeGangGree... Icon : (29 October 2014 - 10:32 PM) just go to 2:50
MikeGangGree... Icon : (29 October 2014 - 10:33 PM) and 4:15
Jetsman05 Icon : (Yesterday, 06:48 AM) everyone i have a confession
Jetsman05 Icon : (Yesterday, 06:48 AM) santana is a solid individual
Chaos Icon : (Yesterday, 07:41 AM) hacked?
Chaos Icon : (Yesterday, 07:41 AM) Brady vs Denver or Brees vs Carolina?
santana Icon : (Yesterday, 10:45 AM) Brady
santana Icon : (Yesterday, 10:45 AM) Saints blow on the road
MikeGangGree... Icon : (Yesterday, 10:57 AM) Santana at his best https://www.youtube....h?v=CgmfTyITaY0
santana Icon : (Yesterday, 12:53 PM) Correction that's Quincy carter at his best
NJAzrael71 Icon : (Yesterday, 01:22 PM) Brees vs Carolina or Kaepernick vs St Louis? St Louis gives up the most to QB's but Brees can light up Carolina's D.
santana Icon : (Yesterday, 01:25 PM) Milber is love Milber is life
santana Icon : (Yesterday, 01:57 PM) seems like vick still has that fast ball
santana Icon : (Yesterday, 01:57 PM) $$
Jetsman05 Icon : (Yesterday, 04:33 PM) dipping my toe into this fanduel thing... just for basketball because it makes more sense to me than football
Jetsman05 Icon : (Yesterday, 04:33 PM) anyone played on it before
MikeGangGree... Icon : (Yesterday, 05:04 PM) We could use Quincy Carter right now
santana Icon : (Yesterday, 05:27 PM) pro basketball or college
Jetsman05 Icon : (Yesterday, 05:28 PM) pro
santana Icon : (Yesterday, 05:32 PM) I did it for two years it was frustrating
santana Icon : (Yesterday, 05:33 PM) I've given up on nba and mlb fantasy too many lineup changes
HarlemHxC814 Icon : (Yesterday, 07:45 PM) I'm on draft kings
MikeGangGree... Icon : (Yesterday, 09:39 PM) THE KNICKS
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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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