My credit union doesn’t get me

first_imgI opened up my Gmail the other morning to find the subject line “Woo-hoo your credit score went up!”I stared at it for a moment and then moved on to the next email.I’m pretty brave, but not brave enough to start the day by facing my credit score.  You see, I’m a professional writer. For the most part, writers are not rich.For more than 20 years, I’ve had the pleasure to write for hundreds of publications, including The New York Times, the Los Angeles Times and the Credit Union Times, but I don’t earn the paycheck of, say, Maureen Dowd. That’s fine by me, because I love what I do, even if it means not always being paid on time or having job stability. After all, during the financial crisis, many Americans who thought they had job stability lost their jobs anyway. But despite my relatively high profile in the credit union community and with major newspapers across the country, my credit union is not impressed with my bylines. For 35 years, I’ve been a member of a credit union in California, and I can’t help but think they don’t understand me. That’s a problem, because I’m the type of American that credit unions were chartered to serve.It’s not that they don’t care, I think they really do, because they always ask me about my travels, my family, and my writing, and because I’m pretty open with my life they know a lot about me except it seems, my financial issues.Which brings me back to my credit score. It’s not great. I eventually opened the email and peeked at my free credit score and credit report, finding two items still on my report that I’ve paid off. I also have three outstanding medical bills, thanks to health insurance that has a monthly premium I can afford but also has a large deductible. I have one credit card with a $1000 limit but no other debt. I’m not a big spender, and I don’t have a car or house payment. The average U.S. credit score is 687. I’m not quite there, but I would like to be. However, I face a steep uphill battle. Because I’m considered subprime, I would pay a fortune to borrow money to pay off those hospital bills or pay for the next unexpected major expense. It is estimated that 113 million Americans like me – people who do work and don’t live beyond their means – have non-prime credit scores. There are literally millions of people that credit unions could help improve the financial positions of and eventually extend credit to.Now, I know there are plenty of credit unions that go out on a limb to help underserved members because I’ve written Community Development grants for them.  Some of my friends who belong to other credit unions, are offered classes on rebuilding their credit and given small personal loan, —unsecured— to get themselves back on track. But not me.A few years ago, in a moment of frustration I even opened a second account with a major bank, but I missed the personal service and friendliness of my credit union and quickly closed it.Since I travel so much I can literally walk into almost any town and find a credit union that is also a member. I also love visiting one of the other branches of my credit union and recognizing an employee who is still working there after 30 years, confirming that it’s a great place to work.Which is why my credit union confuses me —they know who I am and they know my financial challenges, so why don’t they reach out to me and offer credit counseling or financial education? Or how about some products or services that are appropriate for me? One thing credit unions such as mine could do, is offer their members in my situation Ser Tech’s Flitter, which gives members the real, authentic FICO® Score not those other “education scores,” but the score that truly determines what loans and loan terms they qualify for. Each Flitter report provides the member’s FICO® Score and the key factors affecting that score, plus an explanation of those factors. They’ll also receive comprehensive credit education, financial health management tips, Balance consumer credit counseling and other helpful services, which is what I was dreaming my credit union would do for me.Instead, they send me offers for new car or mortgage loans which if they looked at my finances they would know up front that I don’t qualify.Although I would love to obtain a loan for a new car or RV, I know I have to work on my credit score by keeping my credit card balance down and slowly paying off those hospital bills. My credit union isn’t perfect, but I’ll be staying with them because the positives outweigh the minuses. I hope one day they will take the time to see what I really need financially and that their offers of auto loans and credit cards are not always ‘one size fits all’ solutions. In the meantime, you’ll find me working hard to increase my credit score. 79SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Candice Reed Candice Reed is an award-winning journalist, author, and PR consultant. She has written for the Credit Union Times, Credit Union Journal, the New York Times and many more publications. Web: https://www.financialfeed.com Detailslast_img read more

Central Islip Woman Killed in Crash

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York A 22-year-old woman was killed when she crashed her SUV in her hometown of Central Islip on Tuesday morning.Suffolk County police said Crystal Fuentes was driving a Chevy Trailblazer eastbound on Motor Parkway when she lost control of her vehicle, hit a grassy area, causing the SUV to spin around and Fuentes to be ejected from the truck at 11:50 p.m.The victim was taken to Southside Hospital in Bay Shore, where she was pronounced dead.Third Squad detectives impounded the vehicle, are continuing the investigation and ask anyone with information about this crash to call them at 631-854-8352.last_img

Where to bag two heritage Queenslanders on one property

first_img“This coupled with the tranquillity of country living only a short drive from the city cemented our decision and has been something neither of us has regretted.“This home is not your run of the mill property but distinct in many ways and offers ample space to raise a family or run a business.”The left wing of home is comprised of four spacious bedrooms; the master bedroom containing its own ensuite and walk-in robe, with a freestanding cast iron clawfoot bath.More from news01:21Buyer demand explodes in Townsville’s 2019 flood-affected suburbs12 Sep 202001:21‘Giant surge’ in new home sales lifts Townsville property market10 Sep 2020The right wing has a stylish kitchen with a solid timber bench top and European oven with a gas cook top, which services the adjoining dining areas that flow out to the large front deck. “Since moving to Nome, Glenn and I have invested over $50,000 into the property with the built in cupboards alone costing in excess of $10,000,” Jennine said.“The distinctive beauty of our home is recognisable to all who visit it and we have had countless comments regarding this. “From the stained glass casement windows outlining the 2 homes, the massive sprawling deck, modern kitchen with a Silky Oak bench top or 3 fully tiled bathrooms each with their own claw bathtub.”The property is on the market for offers over $605,000 and will be open for inspection this Sunday from 2:30-3pm. This property at 39 Country Road in Nome is on the market for offers over $605,000TWO classic Queenslanders on one property are on the market in Townsville linked only by a veranda and a price tag. One of the houses on 39 Country Road in Nome is understood to have originated from Ayr and the other from Charters Towers.Owners of the property Jennine and Glenn have raised their children on the 1.6 acre property but there is ample opportunity to configure the two houses to suit different needs.“Glenn and I wanted our kids to experience the joys of acreage as we each had in our childhood,” Jennine said.READ MORE City’s property market heats up READ MOREcenter_img Idalia market is showing signs of recovery last_img read more

Powell’s lands Hurricanes second Super50 win

first_imgNORTH SOUND, Antigua, (CMC) – Out-of-favour West Indies opener Kieran Powell sent a strong signal to selectors with a stroke-filled hundred which helped Leeward Islands Hurricanes easily dispose of West Indies Under-19s by 88 runs in the Regional Super50 here yesterday.The talented left-hander made 105 off 122 deliveries as Hurricanes raised 245 all out off their 50 overs at the Vivian Richards Cricket Ground.Wicketkeeper Jahmar Hamilton chipped in with 28 and Test batsman Marlon Samuels, 27, while medium pacer Keemo Paul claimed four for 42. Left-arm spinner Joshua Bishop (2-43) and left-arm seamer Javier Spencer (2-51) finished with two wickets apiece.In reply, West Indies Under-19s never put up any real fight despite a dynamic half-century from Youth World Cup hero, Shamar Springer and were dismissed for 157 off 47.1 overs.Springer hit 54 from 67 deliveries with three fours and two sixes while Matthew Patrick weighed in with a cameo unbeaten 31 off 28 balls and Bhaskar Yadram, 25.The victory was the second straight for Hurricanes while Under-19s endured their second defeat in as many outings.Powell, who only returned to competitive cricket in full this season after a two-year break, powered Hurricanes after they were sent in.The 26-year-old struck seven fours and three sixes and shared three productive stands, adding 47 for the third wicket with Samuels, 65 for the fourth wicket with Hamilton before posting 37 for the fifth wicket with Chesney Hughes (13).In reply, the Under-19s were slumping at 17 for three when Springer and Yadram came together to stave off collapse with a 62-run fourth wicket partnership.Springer added a further 36 with Kirstan Kallicharan (18) for the fifth wicket before the rot set in and the last six wickets tumbled for 42 runs.Nkrumah Bonner finished with three for 30 while seamers Kevon Cooper (2-11), Alzarri Jospeh (2-20) and Gavin Tonge (2-42) all finished with two wickets each.HURRICANESM Hodge c Yadram b McCoy 5*K Powell c McCoy b Paul 105N Bonner c and b Paul 11M Samuels b Bishop 27+J Hamilton c Paul b Bishop 28C Hughes c McCoy b Paul 13O Peters c Patrick b Paul 4R Cornwall run out 18K Cooper c wkp Stewart b Spencer 14G Tonge c Kallicharan b Spencer 0A Joseph not out 6Extras (lb5, w9) 14TOTAL (all out, 50 overs) 245Fall of wickets: 1-27, 2-52, 3-99, 4-164, 5-201, 6-201, 7-207, 8-227, 9-229, 10-245.Bowling: McCoy 5-0-20-1 (w2), Springer 5-0-18-0 (w3), Spencer 10-0-51-1 (w1), Paul 10-0-42-4 (w2), Yadram 4-0-31-0, Bishop 10-0-43-2 (w1), Patrick 6-0-35-0.UNDER-19s+E Stewart c Bonner b Tonge 11S Brathwaite c and b Cooper 0B Yadram b Bonner 25A Athanaze c Hughes b Cooper 0S Springer c Bonner b Joseph 54K Kallicharan c and b Bonner 18K Paul b Joseph 0M Patrick not out 31J Bishop c Hughes b Bonner 0McCoy c wkp Hamilton b Peters 6J Spencer b Tonge 1Extras (lb1, w9, nb1) 11TOTAL (all out, 47.1 overs) 157Fall of wickets: 1-1, 2-13, 3-17, 4-79, 5-115, 6-115, 7-117, 8-124, 9-148, 10-157.Bowling: Cooper 5-1-11-2, Joseph 10-3-20-2 (w1), Tonge 8.1-0-42-2 (w1), Bonner 10-0-30-3, Peters 4-0-10-1 (w1).Points: Hurricanes 5, Under-19s 0.last_img read more

Presenting the 2014 Caldwell High School graduating class

first_imgOther schools can send their senior pictures to [email protected] us on Twitter. by Tracy McCue, Sumner Newscow — Caldwell High School will be graduating 23 Class of 2014 seniors at a Commencement Ceremonies Sunday afternoon at 3 p.m. Carli Ward, Rachel Arnold and Grace Lebeda have been named the Valedictorians. Alexis Rice will be a Salutatorian.Members of the graduating class are as follows: Close Forgot password? Please put in your email: Send me my password! Close message Login This blog post All blog posts Subscribe to this blog post’s comments through… RSS Feed Subscribe via email Subscribe Subscribe to this blog’s comments through… RSS Feed Subscribe via email Subscribe Follow the discussion Comments (3) Logging you in… Close Login to IntenseDebate Or create an account Username or Email: Password: Forgot login? Cancel Login Close WordPress.com Username or Email: Password: Lost your password? Cancel Login Dashboard | Edit profile | Logout Logged in as Admin Options Disable comments for this page Save Settings Sort by: Date Rating Last Activity Loading comments… You are about to flag this comment as being inappropriate. Please explain why you are flagging this comment in the text box below and submit your report. The blog admin will be notified. Thank you for your input. +5 Vote up Vote down crusader pride · 326 weeks ago Congrats to the Caldwell Class of 2014..best to all of you. .Tracy thanks for posting. Report Reply 0 replies · active 326 weeks ago +2 Vote up Vote down James · 325 weeks ago So proud of this class! Report Reply 0 replies · active 325 weeks ago +5 Vote up Vote down Tom Countryman · 325 weeks ago Congratulations to the CHS class of 2014! Thank you for posting this, Tracy! Report Reply 0 replies · active 325 weeks ago Post a new comment Enter text right here! Comment as a Guest, or login: Login to IntenseDebate Login to WordPress.com Login to Twitter Go back Tweet this comment Connected as (Logout) Email (optional) Not displayed publicly. Name Email Website (optional) Displayed next to your comments. Not displayed publicly. If you have a website, link to it here. Posting anonymously. Tweet this comment Submit Comment Subscribe to None Replies All new comments Comments by IntenseDebate Enter text right here! Reply as a Guest, or login: Login to IntenseDebate Login to WordPress.com Login to Twitter Go back Tweet this comment Connected as (Logout) Email (optional) Not displayed publicly. Name Email Website (optional) Displayed next to your comments. Not displayed publicly. If you have a website, link to it here. Posting anonymously. Tweet this comment Cancel Submit Comment Subscribe to None Replies All new commentslast_img read more

Neptunes surprise coaching staff with third-place finish in Castlegar

first_imgThe Nelson Neptunes shot of the team standing ladder to finish third at the Castlegar Aquanauts swim meet Sunday in the Sunflower City.Host Castlegar used home pool advantage to edge second place Grand Forks and the Neptunes for the overall title.”We are happy with our overall placing and hope to maintain it for Regionals which will be coming up in just a few weeks,” said head coach Cynthia Pfeiffer.”Considering the training that the swimmers endured this week, these results were not expected at all,” Pfeiffer added. Kallie Badry’s 50 meter breaststroke Cameron Bibby-Fox, Arjun Bhabra, Olivia Cowan and Ohia Wintraub’s 100 meter freestyle all of our relays – this was the first meet where we had no disqualifications on any of or relayscenter_img Jaylen Rushton, in Division two girls and Ohia Wintraub, in Division four girls, each won silver.Matthew Holitzki, Sage Cowan and Sam Matthew, in Division four boys, Division six girls and O-Cat Boys, each won bronze, respectively.Coaches Cynthia Pfeiffer, won gold and Rebecca Afford took silver in Division eight women’s.”(Neptunes) trained incredibly hard all week, but all the swimmers were still able to get significant best times  — some taking off as much as 25 seconds from their previous times,” Pfeiffer said.Some of those incredible times included: Nava Sachs’ 200 meter IM Mile relay (1600 meter)  – Sage Cowan, Nava Sachs, Hannah Malenfant, Ohia Wintraub, Olivia Cowan, Samuel Matthew, Matthew Holitzki, and Joanna Blishen finished third with a time of 18:21Pfeiffer said the Neptunes have one more week of hard, sprint-focused training before entering the  “taper” or rest portion of training.”We have next weekend off, the Kimberley meet, and finally Regionals during the August long-weekend,” she said.last_img read more

Field shaping up for 2016 Canadian Direct Insurance Men’s Curling Championships in Nelson

first_imgTom Buchy of Kimberley and Creston’s Chris Ducharme are the two latest qualifiers for the 2016 Canadian Direct Insurance Men’s Curling Championships set for February 10-14 at the Nelson Curling Club.The two skips earned spots in the 16-team field after the Men’s Kootenay Playdown Sunday in Fernie.Buchy, back again at the Provincials for the 11th time, teamed up with former Brier rep Deane Horning, second Dave Toffolo and lead Darren Will to outlast Tom Shypitka of Cranbrook 8-6 in the A Final Saturday.Trailing 2-0 after three ends, the Buchy foursome scored five points in the next three ends to take a 5-2 lead.However, Shypitka rallied to tie the game at 6-6 with a deuce in the tenth.Playing with last rock, Buchy scored two in the 11th to grab the A event title and a berth in Nelson. Meanwhile Ducharme, third Josh Firman, second Jim Stewart, lead Jim Maccaulay and fifth man Brendan Stead also defeated Shypitka in the B Final 9-4.The win avenged a 9-5 A-event loss to the Cranbrook rink for DucharmeA pair of three-enders in the fourth and seventh ends proved to be the difference maker for Ducharme.Buchy and Ducharme join defending champion Jim Cotter of Vernon and Canadian Team Ranking System (CTRS) points winners for the year, Dean Joanisse and Sean Geall, both of Royal City Curling Club.Also heading to Nelson following weekend qualifying in Penticton, Parksville and New Westminster are Michael Johnson and Chase Martyn, both of the Royal City Curling Club; Stephen Schneider of the Vancouver Curling Club; Kelowna skip Jeff Richard and Mark Longworth of Vernon; Wes Craig and Neil Dangerfield of Victoria.The remaining three berths will be awarded at an open qualification event being staged in Salmon Arm from January 8-10.This year’s championship in Nelson will be televised on Sportsnet.For ticket information, and to find out more about the event, visit http://cdimens2016.curlbc.ca/ or the Nelson Curling Club website.Story originated at The Nelson Dailylast_img read more