Watson, Mitchell lead San Diego State to 90-81 win vs BYU

first_img FacebookTwitterLinkedInEmailSAN DIEGO (AP) — Devin Watson scored 23 points and Matt Mitchell had 22 to lead San Diego State to a 90-81 victory against BYU on Saturday in a showdown between former conference rivals.Jeremy Hemsley scored 14 points and Jordan Schakel 12 for SDSU (7-4), which jumped to a double-digit lead in the first half thanks to the 3-point shooting of Mitchell and Watson.TJ Haws scored 18 for BYU (8-6), while Jashire Hardnett had 12 and Luke Worthington and Yoeli Childs 11 apiece.It was the first time BYU played at San Diego State since Feb. 26, 2011, when Jimmer Fredette scored 25 points to lead the No. 7 Cougars to an 80-67 victory against Kawhi Leonard and the No. 6 Aztecs. BYU left the Mountain West Conference after that season. The teams last met in the 2014 Maui Invitational, with SDSU winning 92-87 in double overtime.SDSU led by double digits for most of the game before BYU closed to 68-59 on a 3-pointer by Nick Emery with just more than 12 minutes to play. Schakel then sandwiched 3s around a layup by Haws to put the Aztecs back up by double digits. BYU closed to single digits in the final minute.SDSU led 52-38 at halftime, with Mitchell scoring 18 and Watson nine. The Aztecs were 9 of 17 on 3-pointers, with Mitchell and Watson hitting three apiece.Watson made all three of his 3s in helping SDSU take a 25-11 lead. Mitchell made a long 3 and a nice left-handed layup, and Schakel followed with a 3 for SDSU’s biggest lead, 33-13 with 11 minutes before halftime.BIG PICTUREBYU: The Cougars couldn’t keep up with the Aztecs in the first half, falling behind by double digits less than eight minutes in. Childs was held well below his average of 22.9 points.SDSU: The Aztecs seemed to play with more energy and focus than they have recently. Part of that was probably facing an old league rival and part of it was probably having nine days off during finals.UP NEXTBYU plays at Mississippi State next Saturday.SDSU hosts Brown next Saturday night. Associated Press Tags: BYU Cougars Basketball December 22, 2018 /Sports News – Local Watson, Mitchell lead San Diego State to 90-81 win vs BYU Written bylast_img read more

70% of vendors don’t care about Brexit

first_imgHome » News » Housing Market » 70% of vendors don’t care about Brexit previous nextHousing Market70% of vendors don’t care about BrexitSurprising results from Jackson-Stops research among 1,100 clients finds a clear majority aren’t bothered by the ongoing Brexit fiasco.Sheila Manchester1st November 20190888 Views Jackson-Stops has surveyed 1,100 clients to understand the impact that Brexit and stamp duty are having on their property decisions, and discovered that nearly three quarters are unworried by the ongoing Brexit impasse, while only 14% thought a no-deal exit from the EU would affect their decision to sell.Recent reports have suggested that would-be sellers are put off by ‘muted pricing power’ and ‘short-term political uncertainty’. But Jackson-Stops’ found that 70% of homeowners who planned to sell this year said uncertainty around Brexit didn’t deter them from doing so.That’s just 9% lower than Jackson-Stops’ 2017 research, which asked the same question – 79% of active home sellers stated political uncertainty did not deter them from listing their home.The data also revealed that in an event of a no-deal Brexit, 39% of respondents said that it would have no impact at all on their home buying decisions. Meanwhile, just 14% of UK consumers believe a no-deal Brexit would have a strong impact on their decision to put their home on the market.Boris and SDLTIt is widely reported that stamp duty land tax (SDLT) is disrupting the housing market, but Jackson-Stops research reveals that 41% of buyers and sellers, believe a wholesale reduction in SDLT is required across all brackets after Boris said he planned to overhaul stamp duty charges. Yet since then there has not been any clarification from the Prime 55% of Jackson-Stops’ respondents, sadly, believe housing is not a priority for Boris.“Although the UK lacks confidence in Boris Johnson’s ability to prioritise improving the housing market, it is positive to see so many respondents unfazed by the prospect of leaving the EU,” says Nick Leeming, Chairman of Jackson-Stops (left).Read more about Jackson-Stops.Jackson-stops Nick Leeming Brexit November 1, 2019Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles Letting agent fined £11,500 over unlicenced rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021last_img read more

Ivy Tech Community College Announces Jonathan Weinzapfel as Chancellor of Evansville Campus as Part…

first_imgFacebookTwitterCopy LinkEmailShare Former Mayor Jonathan Weinzapfel Evansville, IN — Ivy Tech Community College has named Jonathan Weinzapfel to serve as Chancellor of its Evansville campus as a part of its organizational restructure announcement.  The new structure, to better align with community needs at the campus level and empower campuses to be responsive and nimble in meeting local needs, was announced on Tuesday.Prior to the change, multiple campuses reported to regional leadership,  including the college’s Evansville and Terre Haute campuses reporting to a single chancellor, a role Weinzapfel held.  Evansville will now be self-sustaining campus with Weinzapfel serving as the Chancellor. In Terre Haute, Lea Anne Crooks will continue as the Campus President. Further announcements regarding additional Chancellor appointments will continue through Aug. 1.“We appreciate Jonathan’s dedication to Ivy Tech and to the difficult work of leading not only the Evansville campus, but also the Terre Haute campus since May 2014. His leadership of the combined regions developed several successful programs and best practices that have been replicated across the state,” Ivy Tech President Sue Ellspermann said.  “This new structure, with Jonathan at the helm of the Evansville campus, will allow Ivy Tech to more intentionally focus on community needs of Evansville and southwest Indiana.”“I look forward to continuing to lead the Evansville campus as we serve the Evansville community and Southwest Indiana. The faculty and staff at Ivy Tech’s Evansville campus are extraordinary and provide our students with the skills and knowledge they need to learn, live and work in our communities and beyond.”While serving in his role Ivy Tech, Weinzapfel developed and promoted the popular Achieve Your Degree™ program, aligning business and industry tuition reimbursement dollars with Federal Financial Aid, and deferring tuition payments until employees receive their company tuition funding – at the completion of the semester. This program is now been offered throughout the state via nearly 70 employers and more than 2,600 students have enrolled.His leadership, vision, and direction also led to the Evansville campus receiving a $667,000 grant from the Indiana Department of Workforce Development, to offer free classes to individuals wanting the skills necessary to work in manufacturing; and paying the students during their class and on-the-job training.  Among successes at the Terre Haute campus, was a $1.2 million grant from the Economic Development Administration for the college’s Precision Agriculture Technology program.He came to Ivy Tech from Faegre Baker Daniels where he focused his legal practice on economic development issues and municipal consulting. Previously, Weinzapfel served two terms as Mayor of the City of Evansville and five years as a state representative.Weinzapfel serves on several boards including the Terre Haute Economic Development Corporation, Vigo County School Corporation Superintendent’s Advisory Board, Accelerate West Central Indiana Economic Development, Rural Health Innovation Collaborative Board of Directors, the Indiana Humanities Board of Trustees, Deaconess Board of Directors, NeuMed Board of Directors, WNIN Board of Directors, Economic Development Coalition of Southwest Board of Directors, Evansville Museum of Arts, History & Science Board of Trustees, Koch Family Children’s Museum of Evansville Wisdom Council, United Way of Southwest Indiana, and most recently was named to the Board of Directors of the Indiana United Way.He is also a member of Rotary of Evansville, Southwest Indiana Chamber of Commerce and Jasper Chamber of Commerce.In 2012, Weinzapfel earned an honorary degree of Associate of Science in College and Community Service from Ivy Tech. He has also earned a J.D. from the Indiana University School of Law, a Master of Arts in Liberal Studies from Georgetown University and a Bachelor of Arts in Chemistry from Indiana University.last_img read more

Press release: Government action to end letting fees

first_img Please use this number if you are a journalist wishing to speak to Press Office 0303 444 1209 If your enquiry is related to COVID-19 please check our guidance page first before you contact us – https://www.gov.uk/guidance/coronavirus-covid-19-guidance-for-local-government.If you still need to contact us please use the contact form above to get in touch, because of coronavirus (COVID-19). If you send it by post it will not receive a reply within normal timescale. Media enquiries Twitter – https://twitter.com/mhclgFlickr – http://www.flickr.com/photos/mhclgLinkedIn – http://www.linkedin.com/company/mhclg a change or early termination of a tenancy when requested by the tenant utilities, communication services and Council Tax payments arising from a default by the tenant such as replacing lost key Social media – MHCLG requiring Trading Standards to enforce the ban and to make provision for tenants to be able to recover unlawfully charged fees via the First-tier Tribunal Alongside rent and deposits, agents and landlords will only be permitted to charge tenants fees associated with: Unexpected letting fees and high deposits can cause a significant affordability problem for tenants and are often not clearly explained – leaving many residents unaware of the true costs of renting a property.Introduced into Parliament today (2 May 2018), the Tenant Fees Bill will bring an end to costly letting fees and save tenants around £240 million a year, according to government figures.The Bill will also give tenants greater assurances that the deposit they pay at the start of the tenancy cannot exceed 6 weeks’ rent.Housing Secretary Rt Hon James Brokenshire MP said: capping holding deposits at no more than one week’s rent. The Bill also sets out the proposed requirements on landlords and agents to return a holding deposit to a tenant local authorities will be able to retain the money raised through financial penalties with this money reserved for future local housing enforcement Contact form https://forms.communit… creating a financial penalty with a fine of £5,000 for an initial breach of the ban with a criminal offence where a person has been fined or convicted of the same offence within the last 5 years. Financial penalties of up to £30,000 can be issued as an alternative to prosecutioncenter_img Email [email protected] Office address and general enquiries 2 Marsham StreetLondonSW1P 4DF amending the Consumer Rights Act 2015 to specify that the letting agent transparency requirements should apply to property portals such as Rightmove and Zoopla The Tenant Fees Bill will stop letting agents from exploiting their position as intermediaries between landlords and tenants, and prevent unfair practices such as double charging for the same services.It will also help to increase competition between agents and landlords, which could help drive lower costs overall and a higher quality of service for tenants.Other key measures in the Bill, which reflects feedback from a recent public consultation and pre-legislative scrutiny from the Housing, Communities and Local Government Select Committee, include: This government is determined to build a housing market fit for the future. Tenants across the country should not be stung by unexpected costs. That’s why we’re delivering our promise to ban letting fees, alongside other measures to make renting fairer and more transparent. enabling the appointment of a lead enforcement authority in the lettings sector General enquiries: please use this number if you are a member of the public 030 3444 0000 prevents landlords from recovering possession of their property via the section 21 Housing Act 1988 procedure until they have repaid any unlawfully charged fees capping the amount that can be charged for a change to tenancy at £50 unless the landlord demonstrates that greater costs were incurred The new measures are subject to Parliamentary timetables and will be introduced in law next year.The Tenant Fees Bill builds on government’s work this year to protect tenants and landlords through the introduction of new rogue landlord database, banning orders for rogue landlords and property agents as well as a new code of practice to regulate the letting and managing agents sector.Further informationAll proposals relate to England only. The ban on letting fees will apply to assured shorthold tenancies and licences to occupy in the private rented sector.A ban on letting fees was announced at Autumn Statement 2016, it was also a commitment in the 2017 Conservative Manifesto.The Tenant Fees Bill reflects feedback from the recent public consultation, which ran from April to June 2017 and received over 4,700 responses. 58% of respondents (93% of tenants) agreed with government’s proposed approach to ban letting fees to tenants with the exception of a holding deposit, refundable tenancy deposit and tenant default fees.A draft Tenant Fees Bill was published by government on 1 November 2017 and underwent pre-legislative scrutiny by the Housing, Communities and Local Government Select Committee who published their report on 29 March 2018.The Committee agreed that the Bill has the potential to save tenants in the private rented sector hundreds of pounds as well as making the market more transparent. Government has carefully considered the Select Committee’s report and accepted the majority of their recommendations. Read the government response to the Select Committee report.last_img read more

Costa Coffee joins BRC

first_imgCosta Coffee has become the latest retail member of the British Retail Consortium (BRC).The Whitbread-owned coffee shop chain, which now operates more than 1,400 outlets nationwide, joins the likes of Greggs, Starbucks and Tesco.John Derkach, managing director at Costa Coffee, said: “The BRC has an excellent reputation for bringing the concerns of all types of retailers to the attention of the UK’s government, as well as politicians in Brussels. As our business continues to expand, it becomes even more important that we are part of those conversations.“We’re particularly enthusiastic about the BRC’s work on the future of Britain’s high streets, where we have a high proportion of our outlets. We also look forward to benefiting from their technical food expertise, as well as the business information our membership will bring us.”Stephen Robertson, BRC director general, said: “It’s great to be welcoming another new member to the BRC and I’m particularly pleased that Costa Coffee joins a recent influx of companies serving food and drink. The presence of ‘food to go’ businesses on our high streets is significant and a growing part of the retail experience for consumers. “Part of our strength as an organisation is the broad breadth of our membership and Costa is a significant addition to that.”last_img read more

We did it!

first_imgAs of Jan. 1, 2011, all workspaces in buildings managed by Harvard College Library Operations have achieved at least Green Leaf One certification from the University’s Office of Sustainability (OFS).Staff in Widener, Houghton, Lamont, Pusey, and Tozzer libraries were challenged to “go green” last February by the HCL Green Team, with the goal being 100 percent at level one by the first of the year.  The challenge was part of a University-wide initiative, the Green Office program, launched by the OFS.“The commitment by staff to this program has been exceptional,” said Andy Laplume, assistant director for project/building systems management and chairman of the HCL Green Team. “Throughout the libraries, staff took dozens of steps to green their workspaces, and found innovative ways to incorporate sustainability into their day-to-day work. Those efforts will benefit the libraries, and will ultimately help Harvard meet its sustainability goals.”The successful effort demanded close collaboration between Green Team members and staff. To help with the certification, each Green Team member worked directly with representatives from library offices, guiding them through the certification process, answering questions about Green Leaf requirements and offering advice on how to meet certification criteria.Several offices far surpassed the HCL goal by achieving Green Leaf Four.  HCL Operations, Human Resource Services, Communications, Office of the Librarian of Harvard College, and Houghton Library join only five other offices across the University at the program’s highest level.Access Services in Widener and Lamont and Tozzer Library achieved Green Leaf Three.HCL Information Technology Services, Financial Services, Imaging Services, Widener Library’s Middle Eastern and Slavic divisions, Services for Academic Programs, Reference Services and Learning Technology and Widener Collection Development achieved Green Leaf Two.HCL Collection Conservation, Harvard Map Collection Widener’s Judaica Division, and the Maps, Media, Data and Government Information unit achieved Green Leaf One.“I would like to extend my thanks to each member of the HCL Green Team – Thomas Bahr, George Clark, Tim Driscoll, Monique Duhaime, Sarah Kasten, Lars Klint, and chair Andy LaPlume – for their dedication and perseverance, and to all the HCL staff members who made an effort to meet the challenge and to further HCL’s ongoing commitment to sustainability,” said Paul Bellenoit, director of operations and security, who leads the library’s sustainability efforts.last_img read more

Trail Mix | June 2017

first_img Comfort Zone Glenn Morrow’s Cry For Help Clean Sheets Nathan Oliver 3:33 4:07 4:39 2:23 I’m Going Home Joe Newberry & April Verch 1:53 Remington Andy Hall & Roosevelt Collier Copy and paste this code to your site to embed. 4:17 5:21 Audio PlayerThe Gage BrothersAll You AreUse Up/Down Arrow keys to increase or decrease volume.00:000:00 / 4:02 Healin’ Slow Banditos 3:08 3:11 3:02 3:08 Only Lonely Gretta Gaines 3:55 Loving You is Killing Me Rev. Sekou Hurricane Shakedown The Deslondes 4:21 4:02 When I Learned Your Name Daniel Romano Take six or so musicians . . . or even as many as fifteen . . . stir in some Appalachian old time with a dash of New Orleans jazz, add a little Dick Van Dyke and cook the whole concoction in Los Angeles. What do you have? The Dustbowl Revival, one of the most exciting bands currently touring on the folk scene.The band, who made friends with Van Dyke, the iconic movie and television star, a couple years ago, are a musical co-op, so to speak, with a line up that varies and expands at will, employing brass and strings and a willingness to dabble across genres to create their singular sound. This month, the band drops its new record, The Dustbowl Revival, and Trail Mix is thrilled to bring to you “Honey I Love You,” which includes a guest spot from folk blues legend Keb ‘Mo.Another group dipping their toes in all manner of sonic ponds is The Deslondes. Based in New Orleans, the band’s sound, like the city itself, is a mishmashed musical gumbo, with inspiration drawn from old country, Texas swing, and bluesy, boogie woogie rock & roll. Later this month, this Big Easy quintet releases Hurry Home, and you can take a listen to “Hurricane Shakedown” on this month’s mix.It’s always a good time around here when old friends come back and share tunes. Returning this month are Southern rockers Banditos, indie crooner Daniel Romano, and April Verch, who has a new record out with multi-instrumentalist Joe Newberry, a favorite of Garrison Keillor during his tenure as ringmaster of A Prairie Home Companion and someone I have been interested in getting on Trail Mix for years.This month also features the return of two of our longtime favorites from our hometown of Asheville. Both acoustic stringbenders Jon Stickley Trio and alt-country songstress Amanda Anne Platt – with her band, The Honeycutters – have new records out. Trail Mix is happy to offer you early listens this here!And there are still plenty of great tunes for you to check out. This month’s mix rounds out with killer new songs from Molly Tuttle, Phat Phunktion, Cowbell, Glenn Morrow, Zephaniah Ohora, Rev. Sekou, Gretta Gaines, Rachel Baiman, Nathan Oliver, and Parker Longbough.Lots of great stuff is also set for the Trail Mix blog this month. Chats with Andy Hall, The Secret Sisters, Amy Black, and Tyler Hughes are all on tap. Tune in each week to get inside the head of the musicians sharing their music here.And be sure to get out and grab a couple records from these fine artists who have given their music to Trail Mix this month. Spread the word and share the love. These musicians will certainly appreciate it.DOWNLOAD THIS MONTH’S PLAYLIST HERE. Haunted Heart Cowbell 3:07 He’s Fine The Secret Sisters Birthday Song Amanda Anne Platt & The Honeycutters Honey I Love You (w/ Keb Mo’) The Dustbowl Revival Whatcha Gonna Do Phat Phunktion May Kasahara Parker Longbough The Blackest Cloud Amy Black 3:35 Way Down in My Soul Zephaniah Ohora And The 18 Wheelers 4:54 Shame Rachel Baiman 3:43 3:33 Save This Heart Molly Tuttle Embed 3:22 3:29 All You Are The Gage Brothers When We Love Sam Gleaves and Tyler Hughes Birdland Breakdown Jon Stickley Trio 4:32last_img read more

Mountain Candy by Sycamore Brewing

first_imgI landed in Asheville almost 15 years ago and haven’t really considered living anywhere else since. Sure, I’ve entertained the notion of spending a winter in Canaan Valley so I could have top-notch powder right out my front door. And every time I hit the coast I like to imagine what life would be like with a little beach house tucked into the dunes within walking distance of a consistent surf break. I’m human. I daydream. But generally, I love my town. I’m happy here. It’s only 30 minutes from Breckenwolf, after all. But recently, I’ve been daydreaming about living in Charlotte, not because I’m craving the city life, but because I’d like to have constant access to this beer, Mountain Candy, from Sycamore Brewing.I discovered it while I was in the middle of the state watching one of my kids in a soccer tournament. If you’ve never been a spectator at a U9 soccer tournament, let me set the scene for you. Picture a two-day event where hundreds of kids battle in a series of games on a sprawling complex of turf fields in 80-degree temperatures while their parents scream “encouragement” from the sidelines. It’s the kind of situation that demands an immediate post-game beer. Luckily, I came across this beauty of an IPA in my time of need.Mountain Candy is an appropriately-named beer with a malty side that has depth, and a nose reminiscent of a fruit cup thanks to a hefty double dry-hopping. It’s loaded with sweet fruit notes but also has a fresh layer of dank bitterness that keeps everything in check. Honestly, I had never heard of Sycamore Brewing before and only picked up the can because A) I liked the name and B) it’s 16 ounces instead of the standard 12 and I desperately needed that extra four ounces of beer.But I’m so impressed with this particular IPA that I’m dying to get my hands on some other Sycamore brews. Apparently, they won a bronze at GABF for their lager. And it looks like they have a solid rotation of intriguing seasonal beers (Watermelon Kolsch? Strawberry lemonade gose? Yes please). I want to drink them all. But Sycamore doesn’t distribute in Asheville, so I either have to start making a weekly beer run to Charlotte, or I have to uproot my family and move to the Queen City. That’s the power of a great IPA. It makes you reconsider your life choices. Like, maybe I should have majored in financing so I could have a job at a bank in Charlotte? I’d have to wear a suit and tie every day, but I could drink this IPA at lunch. So, it would be a wash.https://www.sycamorebrew.comlast_img read more

How to outsmart ransomware

first_imgHave $175? Then it doesn’t matter if you utterly lack technical skills, you can become a cybercriminal. That’s because a malware strain called Karmen – potent ransomware – has been on sale on the dark web for $175.  That’s how bad this has gotten and it very well may cost your credit union money.In mid-May a ransomware attack infected thousands of organization in 70+ countries.  It all happened in the space of a few days. Some 200,000 are said to have been victimized.  Ransomware now is just about the fastest spreading malware out there.  The tools that spread it are slick and, as Karmen shows, they are also cheap.Little to no technical skill is needed to unleash ransomware via phishing emails on an unwary public and, increasingly, the targets of choice are businesses – especially American businesses – and that’s because businesses often are willing to pay up to rid themselves of malware. Symantec, in fact says the average ransomware payout in 2016 was $1077, up from $294 in 2015.Symantec also said that the payout rate in the US reached 64%, compared to 34% globally.  That means about two in three US victims pay up.Data from NTT Security also said that the US is by far the most common victim of ransomware.  The news gets worse.  Symantec said ransomware attacks were up 36% year over year.  Probably there will be still more this year.Ransomware is bad. There are various flavors but a common format is that the criminal mass mails out links that, when clicked on, download apps that lock files, preventing the user’s access. The files could be just about anything, from email to the entire computer.Know this: There are steps you need to take to protect yourself against being a ransomware victim. A key secret: the best self-defense is assuming you will be a victim and preparing accordingly. How? Read on.Also know: credit unions have already fallen victim to ransomware. How many? Nobody knows. Victims – especially ones likely to feel exceptional embarrassment and that includes financial institutions – do not advertise that they fell into a trap.  But credit union security experts talk of “at least several dozen” credit unions that have fallen victim to ransomware, paid ransoms, and sometimes regained access to their data.Small and medium sized credit unions are believed to be especially vulnerable because – unlike the mega credit unions – they typically lack sophisticated malware detection tools that stop malware from penetrating the organization.Probably more credit unions will fall victim. That’s because savvy criminals now are doubling down on attacks on businesses. Said Symantec: “a small number of groups have begun to specifically target businesses with ransomware attacks designed to infect multiple computers on a single network and encrypt valuable data.”Won’t a small payment result in the files being unlocked – so maybe this isn’t such a big deal? Not necessarily. Cyber crooks are crooks and that means they may not always live up to their word. Just because a ransom is paid does not mean full access to data is restored.  Said Symantec: “Paying the ransom doesn’t guarantee decryption of the victim’s files. According to the Norton Cyber Security Insight team, only 47 percent of victims who paid the ransom reported getting their files back.”Symantec also – worryingly – reported that smart criminals are beginning to try to attach ransoms that take into account the value of the data that has been locked. It pointed to a $70,000 ransom paid by San Francisco’s Municipal Transportation Agency which had seen its light rail system disrupted.A credit union’s files might well be perceived as highly valuable.What can a credit union do to protect itself? Several things and it starts by training employees not to click on links in phishing emails – and retraining them frequently.But probably the single biggest step a credit union can take is to make sure its data are backed up and can be easily retrieved and put to use. Do just that – assume you will be victimized and prepare your defenses now – and you put yourself on safe ground.Savvy smartphone users generally aren’t ready ransomware victims because an iPhone user often has most of his/her data backed up to iCloud. An Android user also often will have lots of data automatically backed up in Gmail, etc.  When the data is on hand, it’s easy to tell the criminal to buzz off.The very same idea works for a credit union. Backup all critical data and that’s the antidote to ransomware.Accept this: very probably your institution will be assaulted this year by ransomware criminals.  How you fare is up to you.Take a few steps, now, and very probably you will do well indeed. 43SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,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 Detailslast_img read more

On Compliance: A new era dawns for community fields of membership

first_imgRecent updates to the National Credit Union Administration’s Chartering and Field of Membership Manual have the potential to revolutionize community chartering for federal credit unions, especially those that are based in the 29 metro regions in the United States that have a total population of more than 2.5 million.On July 30, the NCUA Board issued a final rule authorizing FCUs to apply for community field of membership expansions for contiguous portions of “combined statistical areas”—the Office of Management and Budget’s largest type of core-based geographic statistical area based on patterns of local economic and social ties—that have a population of up to 2.5 million.CSAs are groupings of smaller core-based statistical areas—such as metropolitan statistical areas or micropolitan statistical areas—centered on cities or large towns. Under the new rule, FCUs will not be required to serve a CSA’s “urban core” (i.e. its largest city) or the urban core of a large metropolitan statistical area that is not part of a CSA so long as it can demonstrate that it did not choose its geographic area with the intent to exclude low- and moderate-income individuals.The Washington-Baltimore-Arlington, DC-MD-VA-WV-PA combined statistical area, for example, is the fourth most populous CSA with a total population of approximately 9.8 million people that includes seven smaller core-based statistical areas. It has Washington, D.C., as its urban core but also includes Baltimore and many smaller cities, as well as suburban, exurbanand rural areas in Maryland, Virginia, West Virginia and Pennsylvania. The new rule would allow an FCU to serve any contiguous portion of this area that has total a population of up to 2.5 million without the FCU having to provide additional evidence demonstrating that the proposed expanded field of membership is a local community. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more