Whether learning a language, mastering a sport or gathering gobs of greenbacks, starting young is always a plus. It’s also crucial to get into good habits early, before hard-to-break bad ones are cast in concrete.A perfect example: Start a lifetime of saving and borrowing at a credit union, which may cater to young adults better than a bank can.“A great concern for people just entering the workforce is the stagnant nature of wages and benefits, so it makes sense to look at opportunities to reduce costs and receive higher rewards,” says Marco Pantoja, interim director of the University of Missouri Office for Financial Success in Columbia, Missouri.Here are 4 reasons millennials should consider a credit union.You may get a better deal on a savings account or certificate of deposit. This fall, the average 5-year CD paid 0.85% APY, Bankrate’s survey of banks and thrifts found. Credit unions, on average, paid 1.55% APY, according to the National Association of Federal Credit Unions.It may be cheaper to borrow from a credit union. “When borrowing, one of the major needs for which people use financial institutions, credit unions have lower rates and lower fees,” Pantoja says. continue reading » 97SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Have credit unions moved from being shepherds to being wolves? Is there any point to merging two healthy credit unions? Do credit unions really differ from banks? Is member ownership a hoax?Buckle up because Jim Blaine, in a wide ranging marathon interview, took on those topics and plenty more. He talked freely, passionately about an industry he loves and now it is an industry he worries about.Who better to have such thoughts? Blaine has to be poster child for credit union leadership excellence in the post war era. At 30 he took over as CEO of the $300 million State Employees’ Credit Union in North Carolina. That was 1979. Come 2016 and he retired. SECU had grown to $33 billion – and it had 256 branches and 5800 employees. It could – and it did – thumb its nose at neighboring Bank of America and those who have followed Blaine’s career know he has not backed off from rumbles with NCUA, CUNA and others.Blaine starts out by questioning the wave of mergers that is now rocking the world of credit unions. Why not just liquidate the institution and give every member $1000? Blaine says very plainly that there is no good purpose served by these mergers.He added that in his many years at SECU, never once did a member come in and ask, what’s your assets today? Members do not care. They do care about car loan rates, NSF fees, how long it takes to approve a mortgage app. But they do not care about assets.Blaine, by the way, is not exactly for credit unions liquidating. In fact he denounces the loss of a few hundred credit union charters yearly where a couple hundred charters evaporate every year. “It’s very, very hard to charter a new credit union,” said Blaine.So why not let a visionary group that wants to open a new credit union buy that charter and fast track the opening process? An endurance race that typically takes many years could be shortened to a matter of months. And the credit union industry would get stronger.What Blaine also is doing in his denouncing of mergers of healthy institutions is highlighting a reality that, typically, those mergers accomplish just about nothing. The resulting institution, a bit bigger, is in fact no more competitive. And there typically are no new efficiencies. Blaine also worries about the loss of local institutions, where in many credit unions nowadays all decisions – including the trivial – get made at corporate HQ.Credit unions, he adds, are in many cases no longer serving local interests – they are serving the institution’s self interest and they also are increasingly given their orders by distant masters as control shifts from local branch managers to corporate policies. In some cases, Blaine insists, a branch manager does not even have the authority to reverse an NSF fee. That’s sad.It’s also a bleak comment on the vitality of local credit unions. “Standardization kill creativity,” Blaine pronounces.He also noted, with considerable discontent, that the major credit union trade associations appear to have forgotten the credit union mission to help the working man and working woman prosper in a world populated with financial sharks. In that regard he pointed, for example, at the trades urging CFPB to pull back protections against payday lenders.“That’s the wrong message for credit unions to be sending. It may become life threatening. They do look like banks,” said Blaine.Is there in fact a future for credit unions?Maybe. Maybe not. Blaine highlights a strategy for keeping credit unions relevant. But he frets that many may not heed the message.As shepherds, Blaine says, credit unions have an obligation to tell members what they need, not what they want – and also not what the institution wants to sell. Maybe what’s best for the member is spending $500 on car repairs rather than $30,000 on a new car. “You have an obligation to a member owner that isn’t their to a bank’s client,” said Blaine.But how many credit unions still see that counsel as their role?“Credit unions are a social movement,” said Blaine.But much of this, said Blaine, is getting lost and he sees that as terrible.Listen up to the full Blaine podcast here. It runs around an hour. 12SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Robert McGarvey A blogger and speaker, Robert McGarvey is a longtime journalist who has covered credit unions extensively, notably for Credit Union Times as well as the New York Times and TheStreet, … Web: www.mcgarvey.net Details
Philips Soup Maker puréeing machine pouring soup OTOTO Mark-Eat silicone basting brush with jam The Gadget Flow Daily Digest highlights and explores the latest intech trends to keep you informed. Want it straight to your inbox?Subscribe ➜ – Advertisement – KitchenAid Cordless 5 Cup Food Chopper in black on a counter The FinaMill electric spice grinder on a table THAWTHAT! DELUXE Thawing TrayEven with the best of intentions, you might forget to start thawing early enough on Thanksgiving day. That’s no problem with the THAWTHAT! DELUXE Thawing Tray, which thaws meat, ensuring your meal maintains its flavors thanks to its thermal liquid that’s sealed inside. Furthermore, with non-slip silicone feet, it won’t move around. And its built-in drip tray won’t let liquid reach your countertop. OTOTO Mark-Eat Silicone Basting BrushYou won’t need to buy a baster for your turkey when you have the OTOTO Mark-Eat Silicone Basting Brush. This brush looks like a yellow highlighter, but it comes with a useful pump for simple basting. The brush helps you distribute cooking liquids evenly. Heat-Resistant Silicone Cooking Utensils with a cracked egg Philips Smoke-less Grill with Rotisserie Attachment indoor BBQ on a kitchen counter Philips Soup Maker Puréeing MachineWhip up a delicious batch of pumpkin bisque with the Philips Soup Maker Puréeing Machine. This gadget helps you make soups in just 18 minutes and comes with six preset programs. It even makes compotes and milk-based soups. The Saki Automatic Pot Stirrer really gives you an extra hand in the kitchen. This cool product on our list of kitchen gadgets for Thanksgiving stirs your soups, stews, gravies, sauces, and more so you don’t have to. It prevents burnt pots and leaves you free to work on other things.FinaMill Electric Spice GrinderYou want to make sure your Thanksgiving meal is as fresh as possible, and the FinaMill Electric Spice Grinder lets you do just that. This battery-operated spice grinder uses interchangeable pods that you can switch around and even store your spices in. THAWTHAT! DELUXE thawing tray on a wood table June Oven intelligent countertop oven in a kitchen – Advertisement – Heat-Resistant Silicone Cooking UtensilsThe Heat-Resistant Silicone Cooking Utensils add a bit of style to your kitchen. And since they feature durable silicone, these tools can withstand heat from your frying pan and oven. With their ergonomic shape, each one is comfortable to hold. Best Thanksgiving AccessoriesNiNJA Novel Kitchen KnifeThe NiNJA Novel Kitchen Knife is another great item on our roundup of kitchen gadgets for Thanksgiving. This kitchen knife can cut through pretty much anything and is great for chopping the raw veggies you need for that casserole. Each of the knives in this series has a double-edged blade with a titanium coating. NiNJA novel kitchen knife with lemons KitchenAid Cordless 5 Cup Food Chopper Vegetable DicerThere’s just not enough time to chop everything you need to chop on Thanksgiving day. That’s where the KitchenAid Cordless 5 Cup Food Chopper Vegetable Dicer comes in. Rechargeable, it can chop up to 40 onions. If it runs low on battery, use the 10-minute quick-charge feature that gives you enough battery to chop up to 11 onions or enough ingredients for a single large meal. It can even mix, purée, and whip a variety of different ingredients for hearty dishes. Finalizing your Thanksgiving day menu? Don’t forget about your kitchen gadgets. Having the right tools at your disposal can help immensely with your cooking prep. Check out these gadgets for ways you can be ahead of the game this Thanksgiving.Making Thanksgiving dinner is a marathon. To make it to the finish line with your sanity intact, it’s key to prepare some of your food ahead of time. Stuffing, sweet potato casseroles, and pumpkin pie can all be made in advance. So, to help you in your efforts, we’re presenting you with some of our favorite kitchen gadgets to streamline your Thanksgiving prep.Related: 14 Tech-free never-seen-before products to enhance your kitchen- Advertisement – Small gadgets like this butter twister can make all the difference in shaving minutes off your cooking time. You could also splurge and treat yourself to a high-quality stand mixer with enough capacity to mix up to 13 dozen cookies in a single batch! If you’re looking for a way to fast-track your Thanksgiving dinner preparation, check out the gadgets below.Best Thanksgiving GadgetsKitchenAid Pro 600 Series 6-Quart Bowl Lift Stand MixerA good stand mixer is an essential gadget in any kitchen, and the KitchenAid Pro 600 Series 6-Quart Bowl Lift Stand Mixer is an excellent one. It’s bowl can mix enough dough for 13-dozen cookies. It easily mixes light and dense mixtures alike.June Oven Intelligent Countertop OvenThe June Oven Intelligent Countertop Oven is another of our favorite kitchen gadgets for Thanksgiving. This gadget gives you an extra oven, toaster, dehydrator, broiler, and warming drawer. It also comes with over 100 professionally developed programs for automated cooking. Butter Twist all-in-one butter tool on a cutting board Philips Smoke-less Grill with Rotisserie Attachment Indoor BBQIf you want to get a bit more creative with this year’s Thanksgiving meal, try the Philips Smoke-less Grill with Rotisserie Attachment Indoor BBQ. It provides a smokeless cooking experience right from your countertop. Using advanced infrared heating technology, this tabletop grill produces up to 80% less smoke than a traditional grill. And it can heat up in as little as one minute. Butter Twist All-in-One Butter ToolKeep your kitchen tidy while you’re baking with the Butter Twist All-in-One Butter Tool. This gadget holds your butter so you don’t have to, keeping your hands free of grease. The integrated steel cutter slices precisely when you rotate it. It even has markings for each tablespoon, so you get the exact amount of butter you need. Are you ready to blast through your Thanksgiving recipes this year? With the help of these kitchen gadgets for Thanksgiving, you’ll make it to T-day relaxed and ready. What kitchen gadgets do you find indispensable for the big day? Tell us about them in the comments.Want more tech news, reviews, and guides from Gadget Flow? Follow us on Google News, Feedly, and Flipboard. If you’re using Flipboard, you should definitely check out our Curated Stories. We publish three new stories every day, so make sure to follow us to stay updated! Lauren has been writing and editing since 2008. She loves working with text and helping writers find their voice. When she’s not typing away at her computer, she cooks and travels with her husband and two daughters. Saki Automatic Pot Stirrer- Advertisement –
The State Logistics Agency (Bulog) is seeking the government’s approval to import 200,000 tons of sugar to stabilize prices during this year’s Ramadan, which will begin in late April.The agency’s director for operations and public services, Tri Wahyudi, said in Jakarta on Wednesday that the sugar price, which had exceeded the government’s current price ceiling, was expected to further increase during the fasting month when food consumption is far higher than on normal days.Imports, he said, were needed in order to increase the supply in the market because the sugarcane in the country could only be harvested after Idul Fitri, a celebration that comes after a full month of fasting. “The sugarcane can be harvested after Idul Fitri. So we propose an import of 200,000 tons. It is sugar for consumption, not raw sugar for industries,” Tri was quoted by Kompas as saying.Tri acknowledged that the agency had received requests from various parties to import sugar because they feared the price increase would continue if Bulog did not increase the supply in the market.”We have submitted our proposal to import sugar to the coordinating economic minister. We need to import to stabilize the price,” he added.At present the sugar price has reached Rp 4,000 per kilogram, exceeding the government’s price ceiling of Rp 12,500 per kilogram.In 2018, Bulog did not import sugar because it had around 400,000 tons of sugar stocks ahead of Ramadan. (hen) Topics :
Arsenal’s youngsters are thriving right now, with Ljungberg playing a key role (Picture: Getty)‘And I’m sure that Freddie, his involvement now with the transition from the academy into the first team, is vitally important. I suppose that’s why he’s been brought in and every single one of them [the young players] that have come in have not disgraced themselves.‘I thought the other day [against Frankfurt] was the perfect game for them to come in, but I don’t think anybody was expecting Saka to do as great as he did. I think there’s a lot of optimism about someone like Joe Willock, you’d like to see him play more, but I thought they were brilliant in a time for Arsenal when it’s not the greatest defensive-wise, they’ve come in and given everyone a little bit of a lift.’More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing Arsenal Unai Emery hails impact of Freddie Ljungberg since joining Arsenal coaching team Ljungberg effectively replaced Steve Bould on Emery’s coaching staff (Picture: Getty)‘He knows Arsenal perfectly, the young players, he helps us every day in training, the matches and before,’ said the Arsenal manager after Tuesday’s thumping Carabao Cup win against Nottingham Forest.AdvertisementAdvertisementADVERTISEMENT‘He knows the characteristics of the Premier League. I’m very happy with him.‘Each assistant has their work. We are together to speak with the players. We are in the dressing room, we spoke about all the situations individually. We share some moments.’More: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man CityGunners legend Ian Wright also revealed that, having spoken to many of Arsenal’s youngsters, they all enjoy working under Ljungberg and he was a very canny appointment by Emery.Speaking on The Kelly and Wrighty Show, he said: ‘They speak very highly [of him]. All the youngsters, you speak to Joe [Willock], Reiss [Nelson], all the young guys, they’ve got nothing but great stuff to say about Freddie. Advertisement Metro Sport ReporterWednesday 25 Sep 2019 9:15 amShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link608Shares The Swede has been credited with helping to integrate Arsenal’s youth players (Picture: Getty)Arsenal manager Unai Emery has praised the impact of Freddie Ljungberg since joining the first-team coaching staff, highlighting his work with the club’s clutch of emerging young players.The 42-year-old, who spent almost a decade with the Gunners as a player, was promoted to assistant first-team coach over the summer after his impressive work with the Under-23s side.Much of his role focuses on integrating the young players he coached previously – such as Bukayo Saka and Joe Willock – into the senior team, and Emery has been very happy with what he’s seen from Ljungberg so far. Comment Advertisement
President Alejandro Giammattei takes part in a mass inside the Metropolitan Cathedral after his swearing-in ceremony in Guatemala City, Guatemala on Jan.14. REUTERS/FABRICIO ALONSO “We have instructed the foreign minister that the only person left in theembassy in Venezuela should return, and that we definitively end relations withthe government of Venezuela,” Giammattei said. “We are going to close theembassy.” GUATEMALA City – Guatemala’s new President Alejandro Giammattei cutdiplomatic ties with the Venezuelan government of President Nicolas Maduro onThursday and ordered the closure of Guatemalan embassy in Caracas. The conservative Giammattei, who took office on Tuesday, had alreadyindicated he would cut ties upon assuming position. “His government will surely become another bad joke,” Rodriguez wrote. “Ourrespect and affection for the people of Guatemala.”(Reuters) Venezuelan Foreign Minister Jorge Rodriguez, in a response on Twitter,accused Giammattei of bowing down to the administration of U.S. PresidentDonald Trump.
Fifth-placed Tottenham take on league leaders Chelsea in west London on Saturday, amid a packed March schedule that will make or break their top-four ambitions. With Arsenal, Southampton and Liverpool to come before the month is out, Eriksen knows pulling off a coup result against Jose Mourinho’s Chelsea would be the perfect boost. Eriksen missed Denmark’s 1-0 England defeat in midweek with a back muscle spasm, but expects to be ready to face the Blues this weekend. “Recently I’ve been really satisfied with how it’s gone,” he said. “I think he (Sherwood) is more English in his style than Villas-Boas of course, you can see that in the way we play. “But for me it’s been good, for me personally I’ve had the chance to play, so of course it’s been great. “A win would show everyone that we are top-four contenders, it would show we are still in the race, that’s what we want. “If we want to get to the top four we have to win these games, and that’s what we’ll try to do. “If we win again it’s so close that anything can still happen. “Everybody still has the focus to push towards the Champions League, and hopefully we’ll get there. “I hope we’ve got momentum now, you only gain confidence from winning. “All that matters at this stage is the points, it doesn’t matter how you win, we saw that against Cardiff. “It wasn’t pretty, but we won. “But we still do also know we have to play better to beat Chelsea, or Arsenal, we know that.” Belgium defender Jan Vertonghen has hinted he would seek a move away from White Hart Lane should Spurs fail to secure top-level European competition next season. But Denmark’s Eriksen has refused to make similar threats, instead focusing on Spurs’ Barclays Premier League top-four push. The former Ajax playmaker believes Tottenham will prove their Champions League credentials if they beat Chelsea at Stamford Bridge this weekend. “I don’t know how other guys are thinking, but I’m happy where I am, and hopefully we’ll get to the Champions League anyway,” he said. “I think it is important for the club, and the calibre of player that could come, or stay. “I think everybody wants to go to the Champions League. “I’ve tried it before at Ajax, and you see everything is bigger, the atmosphere, the TV rights, the people watching. “The Europa League is great, but the Champions League is what everybody wants, it’s the best place to play.” Eriksen admitted he is enjoying a new lease of life under head coach Tim Sherwood, ever since the departure of Andre Villas-Boas earlier this season. The 22-year-old is relishing a more pivotal role under the former Blackburn midfielder, and is keen to repay Sherwood’s faith. Christian Eriksen would not abandon Tottenham simply for missing out on Champions League football next season. Press Association
Darren Fletcher’s proposed move to West Ham is off, Manchester United manager Louis van Gaal has announced. Press Association But Van Gaal appears to think the 30-year-old will remain at United, where he has five months left on his contract. “I think so,” Van Gaal said when asked if Fletcher was likely to stay at United. Fletcher has been at United for 20 years, but his experience has not been enough to earn him a regular first-team place under Van Gaal. The Scot has started just four Barclays Premier League for the Dutchman even though he was named as one of two deputies – along with Michael Carrick – to captain Wayne Rooney at the start of the season. The United boss hopes he can give the midfielder more playing time in the rest of the season. “He is my third captain so it is not a problem for me (if he comes back),” Van Gaal said. “Manchester United just want to help him play more. For him now that is a big pity. “We want to help Fletcher. That is my only concern. I am very happy he is coming back.” Van Gaal claims the Hammers wanted to make the deal temporary, rather than permanent, causing the deal to collapse. “I thought Darren was going to sign a contract,” Van Gaal told BBC Sport. “But at the end they look for a loan and that was not the agreement. “When you allow your player to go to London for the medical, there is no problem. At the end there is no agreement, it is strange. “I don’t know what is happening there but the agreement is different there. On Saturday it is off.” Speaking after West Ham’s 2-0 defeat at Liverpool, Hammers boss Sam Allardyce confirmed the deal had stalled. “Fletcher broke down on negotiations this morning. I really don’t know (what will happen) at this moment in time,” Allardyce said. Fletcher has also attracted interest from West Brom and Valencia. The long-serving midfielder looked set to leave Old Trafford for the Hammers after he had a medical at the London club on Friday. But United boss Louis van Gaal said after Saturday’s win over Leicester that the deal had fallen through after West Ham moved the goal posts.
ELLSWORTH — This year’s edition of the Santa Run/Walk 5K is scheduled to be held Dec. 1.The race will begin and end at Ellsworth Elementary-Middle School. Costumes are encouraged but not required for the race, which gives 100 percent of its proceeds to the Beth C. Wright Cancer Resource Center.Prizes will be awarded to the top male and female finishers. The first 50 registrants will receive free T-shirts, and cookies and hot cocoa will also be made available.Registration forms can be found on be found online via the Wright Center website. They can also be found at Cadillac Mountain Sports, CrossFit Acadia and the Down East Family YMCA.This is placeholder textThis is placeholder textContestants may also register the day of the race. Race-day registration runs from 8-9:45 a.m. and is free to the public, though donations are accepted. The race is scheduled to begin at 10.
Beating Baylor · Junior Karen Chung has shot for par through 17 holes against Baylor. The Women of Troy lead the semifinal match 4-1. – Photo courtesy of USC Sports InformationThe No. 1 women’s golf team leads Baylor 2-1-2 at the East Lake Cup after one day of play in Atlanta, Georgia. The No. 3 men’s team is trailing Illinois 4-1. Monday’s semifinal matches were shortened due to rain and are scheduled to resume at 4:30 a.m. on Tuesday with the finals slated for 10 a.m.If the Women of Troy are able to close out their lead against Baylor to advance to the finals, they will face the winner of the matchup between Duke and Stanford. Duke currently leads Stanford 4-1. A loss will place the women in the loser’s bracket.Should the men come from behind to beat Illinois, they will face the winner of the semifinal match between Georgia and LSU. The Bulldogs only need to close out a 4-1 lead tomorrow morning to advance.“We certainly could be in better shape at this point in our matches,” men’s coach Chris Zambri said. “That being said, there is no reason why we can’t prevail tomorrow with some good golf on the back nine. I like where we stand.”The men’s team is losing by one hole in four of its five matches. Sophomore Jonah Texeira maintains a par through 16 holes. Freshman Justin Suh and junior Rico Hoey trail by 1 through 13 holes. Senior Andrew Levitt also trails his Illinois opponent by one hole through 10 holes. Through nine holes, junior Sean Crocker is the fourth Trojan trailing by one.On the women’s side, senior Kyung Kim gave the Women of Troy a win with a 6 and 4 win over Baylor. Freshman Robynn Ree is leading her opponent by three through 13 holes. She was the Women of Troy’s top finisher in two of their three events. Juniors Karen Chung and Tiffany Chan shot for par. Junior Gabriella Then trails her Bear opponent by one through 11 holes.“It’s definitely a dog fight,” USC women’s coach Andrea Gaston said. “I don’t think you can ever predict the outcome of match play. It’s great to see Karen and Tiffany get their matches back to even on their last hole tonight. We hope we can finish strong in the morning.”The Golf Channel will broadcast the final round of the men’s competition live. This is the last competition of the year for both teams. The men do not compete again until the Amer Ari Invitational in Waikoloa, Hawaii, on Feb. 4 while the women play again on Feb. 7 at the Northrop Grumman Regional Challenge in Palos Verdes.