epersonae + creditunion 182
As Banks Start Nosing Around Facebook and Twitter, the Wrong Friends Might Just Sink Your Credit | Betabeat — News, gossip and intel from Silicon Alley 2.0.
december 2011 by epersonae
“We make friends with people we barely know!” And yet, that info could be used for virtual redlining? WTF?
socialmedia
finance
creditunion
facebook
december 2011 by epersonae
What Does This Mean to Me, Laura? » Stop checking in
june 2011 by epersonae
"I want you [librarians] to stop checking into your own library on Foursquare." valid comment for anyone working at a public location.
library
creditunion
socialmedia
mobileweb
june 2011 by epersonae
The Credit Union Warrior: Put Us Out of Business
october 2010 by epersonae
"if your credit union's success is tied to your members' failure, you may want to rethink your business model."
creditunion
finance
october 2010 by epersonae
Why Wesabe Lost to Mint - Oct. 4, 2010
october 2010 by epersonae
I really miss Wesabe.
creditunion
finance
webdev
october 2010 by epersonae
The interchange fee panel | Analysis & Opinion |
june 2010 by epersonae
(this is a good place to note that my blog reflects my personal opinions and not those of my employer.) "I asked him why CUNA was opposed to the Durbin amendment [...] even though it explicitly excludes 99% of credit unions; he said that [...] interchange fees are likely to come down [...] and credit unions make lots of money from interchange fees." hrmph.
creditunion
finance
politics
june 2010 by epersonae
Washington Credit Union League | FOCUS | Retailers Lobbying to Avoid Paying Fair Share of Plastic Card Payment System
june 2010 by epersonae
for comparison, here's a piece from the state CU league.
finance
creditunion
politics
june 2010 by epersonae
Ezra Klein - Large banking interests create a Web page against interchange finreg
june 2010 by epersonae
"Make sure you know the facts of this very market-friendly way of trying to regulate this duopoly before you make a judgment on whether or not to support it." trying to understand this issue.
finance
creditunion
june 2010 by epersonae
Routine document, extraordinary outcome -- Page 1 -- Times Union - Albany NY
april 2010 by epersonae
"The highly detailed, five-page SAR [...] confirms how Spitzer's peculiar request three years ago triggered the federal investigation"
politics
finance
creditunion
april 2010 by epersonae
Robber who was caught in Olympia is convicted - Breaking News - The Olympian - Olympia, Washington
april 2010 by epersonae
probably not appropriate to add to the work facebook page. :\ but interesting anyway.
creditunion
local
april 2010 by epersonae
Guest Post: Credit Union Outsider « The CU Skeptic
march 2010 by epersonae
"I think that the core of the problem is this: There is a disconnect between CU’s missions and their business models. CUs are trapped in banks’ business model." (in the comments)
creditunion
march 2010 by epersonae
Student loan reform's lessons for health care reform. - By Timothy Noah - Slate Magazine
march 2010 by epersonae
Student loan lender trainwreck almost derailed our mortgage app. I ::heart:: Direct Loan. (again: personal opinion.)
academia
finance
politics
creditunion
march 2010 by epersonae
House backs Obama's bid to revamp student loans | Reuters
march 2010 by epersonae
"Nonpartisan congressional budget analysts project that the measure would save about $61 billion over 10 years." Hell YES. (reminder that this is a personal opinion & not opinion of my employer.)
academia
finance
politics
creditunion
march 2010 by epersonae
Banks Pressure Customers on Overdraft Fees - NYTimes.com
march 2010 by epersonae
"Right now I’m favoring an aggressive opt-in strategy to protect as much revenue as possible.”
creditunion
finance
politics
march 2010 by epersonae
United Steel Magnolias
march 2010 by epersonae
"This is a weblog dedicated to the Nelson and District Credit Union employees that ended up on strike after nearly two years without a contract"
creditunion
march 2010 by epersonae
CU Times Op-Ed: Three Gen Y Stereotypes Debunked
march 2010 by epersonae
"For better or worse, our generation is no more mysterious than the previous and no more elusive than the next." generational marketing must die.
marketing
creditunion
march 2010 by epersonae
Credit union: Pul-lease take your money - Business - ReviewJournal.com
march 2010 by epersonae
"Members with only savings accounts viewed as costly"
creditunion
finance
march 2010 by epersonae
To Opt In, Or Not To Opt In — That Is the Question! | The Raddon Report
february 2010 by epersonae
Non-credit union folks, read this to understand the bank (and some CU) mindset. IMHO, the fact that so many people are short of money so often is the real story.
creditunion
finance
politics
february 2010 by epersonae
Banks quick to drop charges
february 2010 by epersonae
voluntarily, no less. (in Australia)
finance
creditunion
february 2010 by epersonae
Robbery suspect says he hid in nearby brush - Crime Reports - The Olympian - Olympia, Washington
february 2010 by epersonae
jeez. dude's been robbing banks for over a decade, sounds like. also: pellet gun?!
creditunion
local
february 2010 by epersonae
Credit union cleared, gunman remains at large | KOMO News - Breaking News, Sports, Traffic and Weather - Seattle, Washington | Local & Regional
january 2010 by epersonae
KOMO seems to have been the one who broke it...I overheard someone say that their traffic guy first reported it on the radio because the main streets were blocked!
creditunion
local
january 2010 by epersonae
The Chronicle: News - Bank Robber Escapes After Attempted Credit Union Heist - Updated 12:20 p.m.
january 2010 by epersonae
(the second story to mention our FB postings, btw.)
creditunion
local
january 2010 by epersonae
FDIC Economic Inclusion
december 2009 by epersonae
unbanked/underbanked households in WA.
creditunion
december 2009 by epersonae
What banks can do to attract consumers' deposits - Nov. 24, 2009
november 2009 by epersonae
"Tired of being taken for granted by the people who hold your dough? Here's what a bank you could love might look like -- plus a few that are starting to get the right idea."
finance
creditunion
november 2009 by epersonae
Analysis Shows Worth of Social Media
november 2009 by epersonae
nice smackdown from @cuwarrior!
creditunion
blogosphere
november 2009 by epersonae
Banks, credit unions defend overdraft protection programs -- latimes.com
november 2009 by epersonae
"Don't do people favors without asking them" indeed. I think CUs standing with banks are on the wrong side of this one, if only from a PR point of view. (THIS IS PURELY MY OPINION AND DOES NOT REPRESENT MY EMPLOYER.)
creditunion
finance
politics
november 2009 by epersonae
Embracing Social Media May Be Dangerous for Your Members
october 2009 by epersonae
"For credit unions, it’s best to offer an official Web site for marketing and general member service. As for social media, credit unions should establish a firm policy forbidding employees from referring to work details on these sites." sheesh. (in other news, next week we start a big promotional campaign featuring our Facebook page.)
creditunion
blogosphere
october 2009 by epersonae
You’ve just been punched in the face « EverythingCU.com World 2.0 Adventure
october 2009 by epersonae
no comment, at least not publicly.
creditunion
october 2009 by epersonae
5 ideas to fix the ugly in overdraft fees
october 2009 by epersonae
"If you want to see how consumers feel and what they know about overdraft, just Google it. Or search Twitter. Or YouTube. It’s all over the news. And people aren’t bashful, as this f-word laden query with 391,000 results proves." No kidding.
creditunion
finance
politics
october 2009 by epersonae
BankTracker | Investigative Reporting Workshop
october 2009 by epersonae
"[...] the troubled asset ratio apparently is a strong indicator of severe stress inside a bank [....] Of the 92 banks that have failed so far this year, 84 had troubled asset ratios of 100 percent or greater in the final quarter they reported data before they closed." (Venture Bank, which failed in Sept? Troubled asset ratio of 232 as of June! As for my employer, they were at 12.6 in June.)
creditunion
finance
october 2009 by epersonae
op : coop
september 2009 by epersonae
"How do you come together and share a resource? Submit a creative project to answer this question and your group, organization or co-op could win $5,000." from Seattle Metropolitan CU. I love it. damn clever idea, and a nice bright design. Irony alert: I can't watch the video because it's blocked by the nannyware.
creditunion
nonprofit
local
seattle
september 2009 by epersonae
Marketing Tea Party
september 2009 by epersonae
mmmm, the shevlinator is back. delightful!
creditunion
marketing
blogosphere
september 2009 by epersonae
Banks That Put You First - Kiplinger.com
july 2009 by epersonae
"Looking for higher rates and lower fees? Switch to a small bank or credit union."
creditunion
july 2009 by epersonae
CSSquirrel : Comic Update: The Dangers of Intentional Vulnerability (AKA Password Unmasking): Kyle Weems
june 2009 by epersonae
This says pretty much everything I wanted to say.
creditunion
finance
security
funny
webdev
june 2009 by epersonae
SpendSaveLive
june 2009 by epersonae
Financial education site from Verity CU. love it. (totally jealous, btw.)
creditunion
finance
june 2009 by epersonae
Op-Ed Contributors - A Fairer Credit Card? Priceless - NYTimes.com
june 2009 by epersonae
very good press for credit unions.
creditunion
finance
june 2009 by epersonae
CUNA News Now: Does Facebook pose security issues for CUs?
june 2009 by epersonae
the short answer: no.
creditunion
blogosphere
june 2009 by epersonae
Metro Bank Harrisburg: An Example in Failure : floor9.com
june 2009 by epersonae
"Commerce Bank Harrisburg was always well-known for treating their customers well. And yet it’s as if Metro Bank — with the same people in charge, mind you — has thrown out everything they knew about good customer service. From major faults such as cutting off ATM cards with no warning, to tiny details (such as having their customer service reps recite an uncomfortably-long 20-second greeting when they answer the phone), Metro Bank has really fouled this one up." Yipes. Plus, don't miss the "f off" from someone claiming to be an employee in the comments!
creditunion
finance
june 2009 by epersonae
Why Your Message Fails In Social Media » The Buzz Bin
june 2009 by epersonae
"Smart social media empowers conversations beyond the message. It embraces human nature and the strange mesh-like conversations that occur between us and our collective interests."
marketing
creditunion
blogosphere
june 2009 by epersonae
When Will Your Credit Union Become Part of the ‘Twitterverse’?
june 2009 by epersonae
we are, but I suck at it. (shd probly recruit someone else to help.)
blogosphere
creditunion
june 2009 by epersonae
Congress considers font readability
may 2009 by epersonae
"The House throws in what ought to be called "The Fine Print Rule." Card companies must print their account applications and disclosures in 12-point type or greater."
creditunion
design
politics
finance
may 2009 by epersonae
AMPLIFY:Instant Deposit Online
may 2009 by epersonae
quirky. very much a trust-based system.
creditunion
may 2009 by epersonae
BECU reports record loss | Local News | Seattle News, Local News, Breaking News, Weather | KING5.com
april 2009 by epersonae
""What they're seeing in these losses are not attributed to the operation of BECU. We're actually very strong and performing very well," said spokesman Todd Pietzch." A very solid article.
creditunion
finance
local
seattle
april 2009 by epersonae
BECU News
march 2009 by epersonae
"The conservatorship of these corporate credit unions does not have an operational impact to BECU because BECU does not utilize either US Central Federal Credit Union or Western Corporate Federal Credit Union for any member related activities." Nice & simple. (But with a link to a PDF? Srsly?)
creditunion
marketing
finance
march 2009 by epersonae
Unrealized Losses: Cataloging the Investment Losses at Corporate Credit Unions
march 2009 by epersonae
serious inside baseball, but good reading.
creditunion
finance
march 2009 by epersonae
The Financial Brand » Blog Archive » Credit unions, welcome to the financial crisis
march 2009 by epersonae
more of a tactical take from the CU side.
creditunion
marketing
finance
march 2009 by epersonae
Credit union members: Don’t panic - Money Features
march 2009 by epersonae
CNN tells folks to chill (TF) out.
creditunion
finance
march 2009 by epersonae
Two Major Credit Unions Seized - washingtonpost.com
march 2009 by epersonae
I like this description: "companies that provide critical banking services to the credit union industry"
creditunion
finance
march 2009 by epersonae
Feds seize two big KC area financial institutions - Kansas City Star
march 2009 by epersonae
saving a bunch of articles about the corporate CU conservatorship thing.
creditunion
finance
march 2009 by epersonae
How Banks Steal Almost $2 Billion From Us Yearly | Shrinkage Is Good
february 2009 by epersonae
amazing infographics. (via wesabe)
finance
creditunion
february 2009 by epersonae
US Rep Frank--no reason to restrain credit unions | Deals | Regulatory News | Reuters
february 2009 by epersonae
"Credit unions were in no way a contributor to the current financial problem" well, that's nice to hear.
creditunion
finance
politics
february 2009 by epersonae
Can we bring transparency to CU governance? « EverythingCU.com World 2.0 Adventure
february 2009 by epersonae
"what I am shocked to discover is that the “higher” levels of the credit union system are not run with this type of transparency" NCUA letter of understanding with the corporate CUs, CUNA survey re:TARP. (apologies for the acronymage.)
creditunion
finance
politics
february 2009 by epersonae
Paying a giant's price - The Boston Globe
february 2009 by epersonae
really solid description of the corporate credit unions issue. not really looking forward to having to put this in the newsletter, it just feels convoluted. (Morris Partee of Everything CU doesn't seem to think it is, but it feels that way to this non-finance person.)
creditunion
finance
february 2009 by epersonae
Can someone please buy the NCUA a clue? « EverythingCU.com World 2.0 Adventure
february 2009 by epersonae
"Why is no one voicing the point that we should be distancing ourselves as far as possible from the TARP bailout money because it would be the WRONG THING TO DO ON PRINCIPLE?"
creditunion
politics
finance
february 2009 by epersonae
Unrealized Losses: Cataloging the Investment Losses at Corporate Credit Unions: An Open Letter to CUNA
february 2009 by epersonae
Yes, that. I'd say more, but I'm feeling kinda meh physically/mentally right now.
creditunion
politics
finance
february 2009 by epersonae
The Chronicle Online - The Great Depression: Here Again?
december 2008 by epersonae
"Keeping money under the mattress is tempting at times, but I’ll stick with the TwinStar Credit Union." How lovely. (25+ year member, talks about his mom's experiences during the depression.)
creditunion
december 2008 by epersonae
FreeCreditReport.com: Not So Free -- Still at SmartMoney.com
december 2008 by epersonae
"Despite being admonished by the Federal Trade Commission in 2005 and again in 2007, FreeCreditReport.com's peddling of "free" credit reports continues -- and recently it has reached a fever pitch." How slimy. Remember, boys & girls, always use AnnualCreditReport.com.
society
finance
creditunion
december 2008 by epersonae
Nelson's Weblog: tech / wow-blizzard-authenticator
december 2008 by epersonae
"My World of Warcraft account is now more secure than my bank account." I find the business model interesting, too; they're selling the fobs for $6.50.
security
creditunion
misctech
december 2008 by epersonae
How the subprime good guys give home loans to poor people, strengthen communities, and still make a profit. - By Daniel Gross - Slate Magazine
november 2008 by epersonae
"Since 2003, this for-profit firm based in Orange County—home to busted subprime behemoths such as Ameriquest—has issued $220 million worth of mortgages in the Golden State's subprime killing fields. More than 90 percent of its home loans have gone to first-time buyers, about half of whom are minorities. Out of 770 single-family loans it has made, how many foreclosures have there been? "As far as we know," says Bystry, "seven." Last year Clearinghouse reported a $1.4 million pretax profit." institutions in the article include some credit unions.
creditunion
finance
november 2008 by epersonae
fed101
october 2008 by epersonae
1999-era design, but some interesting stuff anyway.
finance
creditunion
reference
to-read
october 2008 by epersonae
The Financial Brand » Blog Archive » As if credit unions need another reminder…
october 2008 by epersonae
a little schadenfreudealicious, but still. this one includes quotes from the Trib and the Seattle Times.
creditunion
finance
october 2008 by epersonae
The 15-Minute Tip: Making the case for credit unions - MarketWatch
october 2008 by epersonae
"Recently a friend told the story of his 80-year-old father submitting a check for payment at Washington Mutual. "The bank bounced the check," he said."
creditunion
finance
october 2008 by epersonae
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