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Jets start voluntary offseason programs today
Jetsman05 Icon : (22 April 2014 - 03:48 PM) whatever that means
Jetsfan0099 Icon : (22 April 2014 - 03:59 PM) Some talk that Dennard might slide to round 2 now
Jetsfan0099 Icon : (22 April 2014 - 04:00 PM) Roby and Fuller are rising.
Jetsman05 Icon : (22 April 2014 - 04:00 PM) Roby absolute physical freak but really inconsistent as a player
Jetsman05 Icon : (22 April 2014 - 04:01 PM) loved him going into school but never grew into the player i thought he would become
Jetsfan0099 Icon : (22 April 2014 - 04:01 PM) I don't want Roby, afraid we take him
Jetsfan0099 Icon : (22 April 2014 - 04:01 PM) f***ing draft should be this week, not 2 weeks from now
Jetsfan0099 Icon : (22 April 2014 - 04:02 PM) I rather go get a CB like Phillip Gaines in round 3.
Jetsfan0099 Icon : (22 April 2014 - 04:02 PM) 1-Odell Beckham Jr WR, 2-Jace Amaro TE, 3-Phillip Gaines CB.
Jetsman05 Icon : (22 April 2014 - 04:04 PM) Where is Marcus Roberson being projected
Jetsfan0099 Icon : (22 April 2014 - 04:05 PM) round 2 I think
Jetsman05 Icon : (22 April 2014 - 04:06 PM) he'll be a solid pro
santana Icon : (22 April 2014 - 04:18 PM) solid pro
santana Icon : (22 April 2014 - 04:19 PM) boston. strong.
Jetsman05 Icon : (22 April 2014 - 06:14 PM) you're a clown
Jetsman05 Icon : (22 April 2014 - 06:14 PM) just for the record
HarlemHxC814 Icon : (22 April 2014 - 06:27 PM) FIRE RAUL
Jetsman05 Icon : (22 April 2014 - 06:30 PM) agreed
Jetsman05 Icon : (22 April 2014 - 06:30 PM) EJ > Raul
HarlemHxC814 Icon : (22 April 2014 - 06:38 PM) lmao
HarlemHxC814 Icon : (22 April 2014 - 06:38 PM) I wouldn't go that far
Jetsman05 Icon : (22 April 2014 - 06:39 PM) true
Jetsman05 Icon : (22 April 2014 - 06:39 PM) but its closer by the day
HarlemHxC814 Icon : (22 April 2014 - 08:13 PM) LET'S GO RANGERS!
santana Icon : (22 April 2014 - 08:51 PM) Boo rangers
santana Icon : (22 April 2014 - 08:51 PM) boo the Knicks
santana Icon : (22 April 2014 - 08:51 PM) Let's go wizards!
santana Icon : (22 April 2014 - 08:52 PM) SANTANA DESERVES BETTER
santana Icon : (22 April 2014 - 08:56 PM) Just landed in Reagan jumping on the wizards bandwagon taxi right out the gate
Jetsfan0099 Icon : (23 April 2014 - 01:47 PM) Tanaka looks good so far
santana Icon : (23 April 2014 - 03:45 PM) The title race is REAL
canuckfan Icon : (23 April 2014 - 04:36 PM) Teh Raptors!!!!!!!!!!
canuckfan Icon : (23 April 2014 - 04:37 PM) Let's go Habs!
Jetsman05 Icon : (Yesterday, 05:18 AM) Pineda looks good so far
santana Icon : (Yesterday, 07:18 AM) Pineda solid pro
santana Icon : (Yesterday, 07:19 AM) Pineda went Boston strong on Boston
Jetsfan0099 Icon : (Yesterday, 07:57 AM) He has, except he is stupid for putting the shit on his neck. He has to hide that better.
Chaos Icon : (Yesterday, 09:14 AM) @Bischoff_Scott: Per a source, the #Lions are having discussions about moving #Suh before the draft to move up as high as possible in the first round.
Chaos Icon : (Yesterday, 09:14 AM) now that would be a fairly big move
Jetsfan0099 Icon : (Yesterday, 09:46 AM) If they trade Suh to get Watkins, I would laugh. That doesn't really make their team better, they already have a high yardage passing attack
Jetsfan0099 Icon : (Yesterday, 09:47 AM) They have the best WR in football and they signed Tate who will be a excellent #2 to Johnson
Jetsfan0099 Icon : (Yesterday, 09:53 AM) too many smokes screens. f*** the extra 2 weeks of this shit, the draft should be tonight!
Jetsfan0099 Icon : (Yesterday, 01:04 PM) The media is so dumb, Jon Gieger Revis' best friend tweets a pic from the Jets website and says it's revis, and all of the media goes along with it making fun of the Jets when it was really Jeremy Kerleyr.
Chaos Icon : (Yesterday, 08:29 PM) uh oh - "Bradley Roby charged with operating a vehicle under the influence"
MikeGangGree... Icon : (Yesterday, 10:56 PM) THE YANKEES
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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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