NYJetsFan.com Forums: Credit Unions Poach Clients - NYJetsFan.com Forums

Jump to content

Toggle shoutbox NYJETSFAN BANTER

Jets win 3-1. Beat dolphins so bad that philbin isnt allowed back from england.
Jetsman05 Icon : (07 October 2015 - 06:30 AM) Rob you're brutal
MikeGangGree... Icon : (07 October 2015 - 01:30 PM) Who should I start this week in fantasy football? Its a PPR league. I can start 3 of the WRs Edelman-/D-Thomas/Mike Evans/James Jones
MikeGangGree... Icon : (07 October 2015 - 01:30 PM) Edelman and Thomas are must start
MikeGangGree... Icon : (07 October 2015 - 01:31 PM) So do I start Evans against Jax or James Jones vs STL
Jetsfan115 Icon : (07 October 2015 - 01:45 PM) jones. winston likes jackson more then evans
RetireChrebet Icon : (08 October 2015 - 01:47 PM) My two year old daughter is less manic and is able to maintain her composure much better than someone we know here ....
azjetfan Icon : (08 October 2015 - 03:07 PM) Dolphins have also fired their DC
ROBJETS Icon : (08 October 2015 - 03:24 PM) I am composed. 115 and I may see things differently but he has never pissed me off. He is just trying to make his point of view and I mine nothing more
ROBJETS Icon : (08 October 2015 - 03:25 PM) I just feel the rule is a very bad rule to give the offense the ball back for losing the ball in the endzone because of a batted ball and feel the NFL is far to offense firendly these days thats all
ROBJETS Icon : (08 October 2015 - 03:27 PM) I know many agree with that. I get that many changes have been made to limit things like brain damage and other injuries some season ending and career ending but defenses cant play hard like they used to and pathetic calls on defenses have ruinbed many games.
ROBJETS Icon : (08 October 2015 - 03:29 PM) Thats why brought up the Jets Fish game. The balls were clearly uncatcahable and a light tug on the jersey shouldn't be a pi. Whatever happened to the uncatchable ball rule?"
ROBJETS Icon : (08 October 2015 - 03:33 PM) and as far as that montage I did have ESPN on for 2 hours after the game because I wanted to see all the reactions and get a clear understanding of this old rule and I never saw a bunch of clips where flags were thrown for the play in question. So I asked for proof. If it was on ESPN it wasn't on ESPN1 maybe ESPN 2 ,3 or news. Its not wrong or brutal to ask for proof when he stated he saw it on ESPN I had the channel on and didn't see what he claimed he saw and still haven't seen any video of proof of his claims
ROBJETS Icon : (08 October 2015 - 03:36 PM) But as I said not mad at all. 115 and I are cool and always have been Ive never been mad at him in anyway. This is a fan forum and we dispute. If we all agreed on everything there would be no point of the forum. Disputes on stats and calls make things interesting, and makes each of use see things from different points of view
Jetsfan115 Icon : (08 October 2015 - 03:56 PM) it was on whatever channel the game itself came on
Jetsfan115 Icon : (08 October 2015 - 03:56 PM) and for the record I don't have any issue with anything rob said. I just disagree with it
Jetsfan115 Icon : (08 October 2015 - 03:57 PM) I do think rules are too offense friendly, but I think in this case, when someone blatently breaks a rule ti should be punished
Jetsfan115 Icon : (08 October 2015 - 03:57 PM) but then again pacman got away with ripping off a players helmet and didn't get a penatly
Jetsfan115 Icon : (08 October 2015 - 03:57 PM) refs need to be more consistent
ROBJETS Icon : (08 October 2015 - 09:04 PM) Hell yeah! Pac 12 AZ State Jaelen Strong. Not a Texans fan but and dont watch a ton of college football but do watch the Pac 12 for football and basketball growing up in Phoenix and also a Suns fan and liking the Cardinals since they moved to AZ .Was a Jets fan though before Az got the cardinals . Strong was really good for AZ State.
ROBJETS Icon : (08 October 2015 - 09:05 PM) Havent studied up on strong for the Texans but will have to since the announcers said he hasnt played much. I want to know if he has been injured or not performing. He has good hands and size
ROBJETS Icon : (08 October 2015 - 09:08 PM) I actually was debating on starting the Colts witth Jets D on bye week glad I dropped them. Wasn't much to choose from. Some decent defenses but bad matchups. took a chance on the Jags this week hoping they can shut down Tampa
ROBJETS Icon : (08 October 2015 - 09:10 PM) Oh and thanks for that 115. people took it wrong. we were simply debating our opinions with passion for our love of football with no animosity and people took it wrong. Easy to misunderstand texts
Jetsfan115 Icon : (Yesterday, 11:21 AM) yeah people don't realize it's ok to disagree on the internet without it being 2 people hating each other lol
RetireChrebet Icon : (Yesterday, 12:30 PM) I think if the defense touches a live football in the end zone, period, it should be ruled a touchback.
RetireChrebet Icon : (Yesterday, 12:30 PM) Talking about fumbles, not passes, of course.
RetireChrebet Icon : (Yesterday, 12:31 PM) That's the simplest way to combat any confusion about the rule.
RetireChrebet Icon : (Yesterday, 12:32 PM) If you don't like that rule, then don't fumble in the end zone your trying to score in.
Jetsfan115 Icon : (Yesterday, 02:21 PM) it's gotta be possession.
RetireChrebet Icon : (Yesterday, 04:03 PM) I know what the rule is. In proposing a rule change. Evidently, the way it is now is too complicated. If a defense touches a live football in the end zone it should be their ball at the 20. Problem solved.
RetireChrebet Icon : (Yesterday, 04:03 PM) I'm*
Jetsfan115 Icon : (Yesterday, 04:44 PM) what if the defense touches it whole trying tor ecover but doens't get it and the offense jumps on it first?
ROBJETS Icon : (Yesterday, 05:56 PM) You may not agree with it 115 but the way I look at it is if the offense recovered it it would be a touchdown. Its ok for a punter, qb, or rb ,etc. to deliberately take a safety so they dont get a punt blocked for a td or to avoid giving the ball up on the 1-2 yard line giving up a near definite td. An also those safeties by the O sometimes saves the game because giving up 2 instead of 7 keeps the game in reach at times.
ROBJETS Icon : (Yesterday, 06:03 PM) Thats why I disagree with the rule. The offense gets the breaks of only giving up 2 points on O. but when fumbkling into the endzone and out it is always ruled a touchback even if the defender or O tries to recoiver the ball in the endzone and the ball goes out of bounds. Thats why I think batting the ball out of the endzone should still be a touchback instead of giving the ball back to the O that fumbled the ball into the endzone. Just dont feel that they should get a chance to get the ball back for an almost automatic td when they fumbled into the endzone just because of a batted ball. Its something that could litterally cause the defense that made a great play to lose simply because of a vbatted ball. Yet if they try to recover it it and it goes out its a touchback. I just feel its to game changing and a bad rule to give the O the ball back after they messed up bad because that play was the difference between a win and loss. The O fumbles so giving the O the ball back is like saying your great def play was worthless.
ROBJETS Icon : (Yesterday, 06:04 PM) Just feel that its a bad rule since it would have almost definitely changed the game winner.
ROBJETS Icon : (Yesterday, 06:08 PM) Just to many good rules for the O these days and to many bad rules for the D. this isn't college where offense dominates in most games. In the pros I want to see an equal playing field and not how its become so offensive friendly. Our own Jets have lost a lot of games on defensive calls alone after stopping the O. 3rd down and a mile and a penalty cost a 1st down and in many cases the game for us. Basically that's why I'm against the rule. I want an equal playing field in the pros nothing more.
Jetsfan115 Icon : (Yesterday, 06:26 PM) Offense is in control of the ball, they should have that option. Both teams get to play offense it's not unfiar
Jetsfan115 Icon : (Yesterday, 06:26 PM) a major defensive play is more game changing then a major offensive play too.
Jetsfan115 Icon : (Yesterday, 06:26 PM) turnover ratio is better linked to win/loss then any other stat
Jetsfan115 Icon : (Yesterday, 06:27 PM) even in your case the offense gives up 2 point and posession back with good field position and ball control
ROBJETS Icon : (Yesterday, 06:33 PM) Lets just a agree to disagree on this topic. We both see the situation different and neither of us will budge on this. best we just let it go and see if the NFL starts enforcing the rule more or changes it at some point. Either way. All the coaches and players in the league now know the rule so I doubt it will deliberately happen again any time soon....but then again who knows...in the games there are a lot of stupid fouls out of frustration, taunting, etc.
ROBJETS Icon : (Yesterday, 06:34 PM) And the fans and officials are now aware of a rule almost no one but the officials knew.
ROBJETS Icon : (Yesterday, 06:37 PM) Heck Im upset that we arent 4-0 right now with all thr mistakes against the Eagles and still almost coming back. I feel we need every win we can get especially with the Bills looking decent and always having to deal with the pats every year. Be nice to win the division for once. So tired of seeing the Pats win and get a bye almost every year.
MikeGangGree... Icon : (Yesterday, 11:12 PM) Why do the Jets DBs have to talk about the Giants WRs!!? Why can't they just worry about our own team.
MikeGangGree... Icon : (Yesterday, 11:13 PM) I think all jets fans remember the last time our DBs talked crap about a Giants WR..
MikeGangGree... Icon : (Yesterday, 11:13 PM) The jets should just worry about the Jets!!
Resize Shouts Area

Page 1 of 1
  • You cannot start a new topic
  • You cannot reply to this topic

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

  • D Coordinator
  • Icon
  • Group: Members
  • Posts: 3,169
  • Joined: 30-March 05
  • Gender:Male
  • Location:Cheese Land Baby
  • Interests:Football, golf, banking and home improvements

  • NFL Team:

Posted 07 November 2011 - 12:34 PM


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."
Posted Image

#2 User is offline   azjetfan Icon

  • D Coordinator
  • Icon
  • Group: Members
  • Posts: 3,169
  • Joined: 30-March 05
  • Gender:Male
  • Location:Cheese Land Baby
  • Interests:Football, golf, banking and home improvements

  • NFL Team:

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.
Posted Image

Page 1 of 1
  • You cannot start a new topic
  • You cannot reply to this topic

1 User(s) are reading this topic
0 members, 1 guests, 0 anonymous users