2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Ask someone where they bank and they may tell you about the credit union on the corner or the megabank downtown. But ask them how they pay or get paid and they may also mention PayPal, Starbucks or Walmart.Nontraditional entrants are changing the way products and services are offered and, potentially, the relationships you’ve built with your accountholders. Expectations & Experiences: Channels and New Entrants showed a significant jump in the number of people who are comfortable with using technology, payments, retail and social media companies to manage and move money.The most recent quarterly consumer trends survey by Fiserv found more than half (55 percent) of people would be comfortable using a technology company, such as Apple or Google, for various types of financial transactions, compared to 40 percent of respondents in 2017. At the same time, use of traditional financial institutions for bill payments, loans, money management and other financial services remains steady.No matter what, consumers want a consistent, easy and intuitive digital experience. As consumers grow more comfortable transacting with nonfinancial providers, financial institutions must work to differentiate their experience. continue reading »
continue reading » The federal banking regulators, including the NCUA, recently encouraged credit unions and other financial institutions to offer responsible, small-dollar loans to consumers and small businesses feeling the impact of COVID-19.The effects have been far reaching, from the direct health issues of those infected to those who have lost wages or whose jobs have disappeared from the shutdown of nonessential businesses across most of the United States. Some members have solid relationships with their credit unions, but do not qualify for short-term credit essential to help them through the immediate crisis caused by the pandemic.“Many credit union members directly affected by the business shutdowns need their institutions to stand strong with them. Providing convenient and efficient short-term assistance is one direction to go in meeting members’ extraordinary needs,” said Randy Salser, president of NAFCU Services. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
McGrath Says:So, Poppy wants to try and come up with a greater TV sportsman than Al Bundy? I’ve only got two words for him.Let’s rock.First off, anybody who has ever watched “Married … With Children,” or any other incarnation of television knows that Bundy achieved one of the greatest football feats in the history of the sport.As a senior fullback at Polk High School, Bundy came through in the most clutch of circumstances, as he scored four touchdowns — IN A SINGLE GAME! Not just any game mind you — a championship game.If it wasn’t for an unfortunate bout of marriage derailing “Touchdown” Bundy’s career, he would’ve taken the NFL by storm for sure. Still though, even with a career as a shoe salesman, Bundy managed to still excel in sports. He was an avid fisherman, often running off to some of the nation’s most exotic fishing locales (like the Projects near Washington D.C.) to engage in angling.He also would give up anything to win. When faced with the decision to either watch his son lose a bowling championship, or to put on shoes and win the title but lose a multi-million dollar lawsuit, Bundy threw the money away and took home the trophy. Now that is a true sportsman. He is also very giving, having contributed to putting countless women through college through his generous donations at the Jiggly Room.Plus, he loves to watch all sports on television, usually with a cold Girlie-Girl (official beer of No Ma’am) and a Big ‘Uns (official magazine) nearby. But what truly makes Bundy the ultimate sportsman is the fact that he is not a quitter, despite having ample reason to give up on life:”Bundy’s are losers, but never quitters,” in his words.We could all stand to learn a little from ol’ “Touchdown” Bundy.Point: Bundy.Poppy Says:The last two weeks I have picked extreme underdogs and McGrath has smoked me in the polls, but no more.Not this week, my friend — this week I’m going with the fan favorite, the people’s champ, the top dog — Tim “The Tool Man” Taylor.Hrumh, hrumh, hrumh! Who doesn’t love the tool man?Taylor is a man’s man, and while “Home Improvement” may not fully portray it, you better believe he’s the greatest TV sportsman.The tool man is always fiddling with his mechanics with the longing for “more power!” Hrumh, hrumh, hrumh! His tools mean as much to him as his wife, but his hot rod means even more. I bet you any money he could beat anybody in a drag race with his hot rod.Although some may not consider racing a sport compared to others, it’s merely a little hobby for this great sportsman.Taylor’s always seen around the house sporting one of his favorite sports teams — the Detroit Lions, Pistons or Red Wings. A true sports fan represents his hometown teams to the fullest, but it takes a true man to rep Detroit to the fullest. Hence, the greatest sportsman.But that’s not all; the tool man takes his passion for sports a step further.On his show, “Tool Time,” Taylor has had various sports celebrities on as guests. From the Andretti brothers to John Elway to Evander Holyfield, Taylor almost doubles as a Sports Center reporter in training. Heck, even L.L. Cool J was on his show, and he was a pretty good running back in “Any Given Sunday.”This sportsman is so in touch with the sports world, he could probably field his own football team — Elway at quarterback, L.L. in the backfield, the Andretti’s at wide-out, Holyfield on the defensive line and the tool man himself on the couch rooting them on. Hrumh, hrumh, hrumh!
A wise man once said, “There’s no such thing as a free lunch.”This is true, but there is such a thing as free rent, if you’re unfortunate enough to find yourself employed at the Dirty Bird.Imagine how easy it would be, you might think, to run a newspaper without any overhead. The wonders and triumphs that must come along with this liberty! This paper surely must be stupendous, one would understandably be excited to read.Unfortunately, that burden to be virtuous and keen falls on the Gentle Clowns. Who, despite facing the real-world obstacle of ‘rent’ (look it up Cardinal readers), have maintained a level of excellence unmatched even by those living pompously in the belly of Vilas.This basic difference pervades into every level, including the sports Twitter [email protected] (please follow), is a masterclass in wit and charm and is a delight to all those who love the Badgers.The counter-part, I daresay, is just the opposite. It provides viewers of football games with updates of what they already watched, one minute after they’ve seen it — sort of like telling the future, except it’s in the past.These Clowns, composed of the highest degree and combination of talent, ~humility~ and drinking prowess, have taken it upon themselves to defeat the Dirty Bird on the gridiron.This game is more than just a silly contest. It’s a meeting of acrimonious world views, a test of wills and just the latest chapter in the never-ending battle of good vs. evil — which is why we have assembled the most noble of Clowns to fight this worthy fight.What we lack in preparation and/or knowledge of who will be playing what position, we make up for in the amount of correctly spelled names I shall now recount.The bourgeois of the Herald is made up of Matt O’Connor, Peyton David and Lucas Johnson — all of whom are great at reading and even better at opening the door of the office for the rest of the staff.The editors are a rag-tag group of relentless journalists prepared to fight tooth-and-nail for the Herald cause.The News editors are Molly Liebergall, Abby Doeden, Emilie Cochran, Parker Schorr, Hibah Ansari, Grady Gibson, Gretchen Gerlach, James Strebe and Mackenzie Christman.What can I say about this fine group that hasn’t already been said by their friends and families to them on their respective birthdays?Anyway, solid squad those News people.Now we have the feature editors. Haidee Chu, Aly Niehans, Nicole Ki and Kristin Washagan, the four of whom really put the Feat. in Features, because they’re all incredible rappers that commonly hop in on other’s flows.The opinion desk, ruled solely by Abigail Steinberg, who has many opinions, has captained a gorgeous sea vessel after her first mate fell prey to pirates, never to be heard from again.Tolu Igun and Ben Sefarbi, the muses of the Herald, power the Arts section to be the No. 1 place to go to read interviews with Steven Spielberg, or to read about fucking — whichever floats your boat.There is also a sports section, which is run beautifully by Danny Farber and boy-wonder Will “Hopes He Didn’t Offend Anyone Too Much By This Article Because Everyone On Both Papers Is Wonderful” Stern.See you out there Dirty Bird. May the Hamms flow like water through the streets of Madison and through the hearts of all in attendance.NOTE: THE HERALD DOES NOT CONDONE INJECTING HAMMS INTO YOUR HEART, USE YOUR MOUTH.