text:
Crafting a High School Resume
- Thursday, February 04, 2010
Your teen may take advantage of belonging to a club or association, such as 4-H, Key Club, Toastmasters, Civil Air Patrol, or others. Membership not only provides an occasion to improve teamwork skills, but it may also supply wonderful networking opportunities and leadership training. Listing membership affiliations on a resume may be a conversation starter with a prospective employer or college admissions officer. In other instances, they may open a door of opportunity with the interviewer who may also be a fellow club or association member.
Keep track of your teens' travel experiences during the high-school years. These may be trips in conjunction with academic studies, short-term mission projects, or simply pleasure trips. If any of these merit additional explanation, be brief; otherwise, just list the countries or regions of the world traveled.
References Provided Upon Request
It is appropriate to end the resume with the notation "References provided upon request." Keep a list of suitable people and their contact information. One or two people who can attest to your teen's overall character are good choices. It is also wise for your teens to have references who know them well in the areas pertinent to the position sought. For example, if your teen is applying for a computer position, one who is acquainted with his computer abilities would be preferable. If the references are for college applications, seek out those who know her academic abilities.
Wrapping It Up
We've tried to comprehensively itemize the categories of information a teen can show on a resume. However, we don't expect teens to have information in every section we've covered. Please don't fret and attempt to involve your teen in too many activities. Narrow down the number of areas in which your teen is involved to just a few, and have him or her participate wholeheartedly in these endeavors.
In fact, if possible, it is preferable to keep the resume to one page. Choose items your teen believes will best showcase his experience and abilities. You can also tailor the resume to include the skills and experiences that represent your teen's qualifications for the position being sought.
If he starts a resume in the ninth grade, your teen can add to it each year as he progresses through high school. When a resume is needed, it will be readily accessible.
If additional help or sample resumes would be beneficial, HSLDA's Homeschooling Thru High School Web site provides links to practical information for creating a resume: http://www.hslda.org/highschool/beyondacademics.asp#resume.
*This article published February 5, 2010.
Becky Cooke and Diane Kummer currently serve as High School Coordinators for Home School Legal Defense Association (HSLDA), and helped develoop HSLDA's Homeschooling Thru Highschool web site four years ago. As former homeschool moms of now-grown children who have graduated from college, Becky and Diane can relate to your good times and bad! Their desire is to help you homeschool high school with excellence. Most of all, they pray that your homeschooling years are full of joy and the delight of knowing that your investment in your teens is seen and rewarded by the Lord.
This article was originally published in the Jan/Feb '10 issue of Home School Enrichment Magazine. Now, get a FREE subscription to the HSE Digital Edition! Visit www.HSEmagazine.com/digital today to get immediate access to the latest edition!
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Long Board TV - Episode 22
Throughout history, surfers have proven themselves to be an intrepid group of adventurers. In this episode of Long Board TV, we take a look at the many challenges that face surfers, whether it be nature, themselves, or other adventurers. We offer coverage of the 32 mile Catalina Classic Paddleboard Race, a profile on Aussie aboriginal surfer Lucas Proudfoot, and a spot check on the far-removed surf destination of the Tatchu Surf Lodge on Nootka Island in Northwestern Canada.
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subset: commoncrawl


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hockey is life.
favourite player, peter regin, was out for the whole season with a shoulder injury. then there was a lockout. then he was back. then he was injured again. then he was back. then he was benched. then he left for NYI. now he's a blackhawk! welp.
Peter lovers since Dec 23/11
Kyle Turris and the Ottawa Senators celebrating after scoring the game-winning goal at 2:42 in overtime against the New York Rangers, tying the series up at 2-2
God I miss Hockey!!!!


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Goldstar Member's Event Journal
Madame Tussauds New York
Saturday October 15, 2011 / 10:00am to 10:00pmMadame Tussauds New York
2 tickets
All-Access Pass - Adult
234 West 42nd Street
New York, NY 10036
How was your experience?
My husband and I had a grand time, we took pictures and acted out as though we were actually talking with the wax stars. If you want to do something for fun and enjoyment, go to Madame Tussauds.


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Nine Constitutional Amendments On 2013 Texas Ballot
In the history of the great state of Texas, voters have approved 474 amendments to the State Constitution since it was adopted in 1876. On November 5, 2013, nine more proposed amendments will be submitted for voter approval.
The Proposed Constitutional Amendments for 2013 include:
Amendment No. 1 (H.J.R. 62) The constitutional amendment authorizing the legislature to provide for an exemption from ad valorem taxation of all or part of the market value of the residence homestead of the surviving spouse of a member of the armed services of the United States who is killed in action.
Six years ago, Texas voted to amend the Constitution to grant veterans who were rated 100 percent disabled a complete property tax exemption. In the last legislative session, voters extended that exemption to a veteran's surviving spouse to protect against sudden spikes in property taxes due. This proposition provides various exemptions from property taxation for residence homesteads and limitations on certain property taxes imposed on those homesteads. It would authorize the legislature to grant the surviving spouse of a member of the U.S. armed services who is killed in action a property tax exemption for all or part of the market value of the surviving spouse's residence homestead if the surviving spouse has not remarried since the service member's death. It also allows the legislature to provide that if a surviving spouse, who qualifies for and receives such an exemption subsequently qualifies a different property as a residence homestead in an amount equal to the amount of the exemption received for the first homestead in the last year in which the surviving spouse received the exemption for that homestead if the surviving spouse has not remarried since the service member's death. This proposed amendment applies only to a tax year beginning on, or after, January 1, 2014.
Amendment No. 2 (H.J.R. 79) The constitutional amendment eliminating an obsolete requirement for a State Medical Education Board and a State Medical Education Fund, neither of which is operational.
This proposition, if passed, will repeal a now-obsolete constitutional provision added in 1952 that required the legislature to create a State Medical Education Board, establish a fund, and make appropriations to that fund to be used by that board to provide grants, loans or scholarships directly to medical students who agree to practice medicine in rural areas of the state. The board was not created until 1973. It was soon deemed as "largely ineffective in serving its purpose of attracting physicians to serve in medically underserved communities." Due to said ineffectiveness, the board has not received state appropriations or issued new loans for more than 20 years and the legislature has enacted other effective methods of attracting physicians to serve in rural Texas. As part of the ongoing effort to remove unnecessary provisions from the Texas Constitution, this proposition removes the requirement for the defunct medical education board and its related fund.
Amendment No. 3 (H.J.R. 133) The constitutional amendment to authorize a political subdivision of this state to extend the number of days that aircraft parts that are exempt from ad valorem taxation due to their location in this state for a temporary period may be located in this state for purposes of qualifying of the tax exemption.
This amendment is to authorize the governing body of a political subdivision, like a municipality, county or school district to extend the date by which aircraft parts held by a business in Texas are exempt from property taxation as "freeport goods" that must be transported outside the state in order to retain tax-exempt status. Through this amendment, a governing body could extend the date that such parts must be exported to not later than the 730th day, or second year, after the date the taxpayer acquired or imported the aircraft parts in the state instead of the 175th days that are currently required by law. It would also authorize the legislature to provide the manner by which a governing body could extend the period of time. It also provides that an extension would apply only to the exemption from property taxation by the political subdivision adopting the extension. This would only apply to a tax year beginning on or after January 1, 2014.
Opponents to this bill think that instead of granting extensions to the freeport exemption, the Legislature should consider eliminating the "antiquated and punitive inventory tax." Texas is one of the few states that still assesses an inventory tax, which allegedly gives business a competitive disadvantage. Opponents say that Texas could greatly enhance its appeal to many inventory-heavy businesses by repealing this "outdated and unnecessary tax."
Amendment No. 4 (H.J.R. 24) The constitutional amendment authorizing the legislature to provide for an exemption from ad valorem taxation of part of the market value of the residence homestead of a partially disabled veteran or the surviving spouse of a partially disabled veteran if the residence homestead was donated to the disabled veteran by a charitable organization.
Donated homes are a great way to help returning disabled veterans transition to civilian life. This bill would permit the legislature to authorize a new exemption from property taxation or a percentage of the market value of a partially disabled veteran's residence homestead equal to the percentage of the veteran's disability if the residence homestead was donated at no cost to the veteran by a charitable organization. The amendment authorizes the legislature to provide additional eligibility requirements for the new exemption and to grant the surviving spouse of a partially disabled veteran, if the veteran died after qualifying for the next exemption, the same tax exemption would apply to the surviving spouse who has not remarried. This amendment cites limitations and restrictions on certain other property tax exemptions for disabled veterans that do not apply to the new exemption. This legislation would ensure that disabled veterans could remain in homes they have received as charitable gifts.
Opponents are requesting sunset provisions that include value thresholds so that families who eventually adjusted and could afford to pay property taxes did so.
Amendment No. 5 (S.J.R. 18) The constitutional amendment to authorize the making of a reverse mortgage loan for the purchase of homestead property and to amend lender disclosures and other requirements in connection with a reverse mortgage loan.
The Texas Constitution allows homeowners to obtain loans and other extensions of credit based on equity in their residence homesteads. This includes reverse mortgages, which are limited to homeowners who are, or whose spouse is, at least 62 years of age. This proposition would allow a reverse mortgage for the purchase of a residence homestead. The borrower would have to occupy the property as a principal residence by a date specified in the contract closing the reverse mortgage. The proposal would require a prospective reverse mortgage borrower and the borrower's spouse to complete financial counseling before using a reverse mortgage for a home purchase. Supporters say that this would allow seniors to make an informed decision to use a reverse mortgage to purchase a home and give options that would allow them to take advantage of HUD's HECM program to buy a home closer to family members, downsize to a smaller home or upgrade to a home fitted and designed to meet the needs of aging household members.
Opponents argue that the state's sharp restrictions on home equity lending sheltered Texans from much of the fallout from the 2008 financial crisis and allowing reverse mortgages for the purchase of homes could make Texans more vulnerable to future financial difficulties. The serious downside of reverse mortgages is not being made clear to voters.
Amendment No. 6 (S.J.R. 1) The constitutional amendment providing for the creation of the State Water Implementation Fund for Texas and the State Water Implementation Revenue Fund for Texas to assist in the financing of priority projects in the state water plan to ensure the availability of adequate water resources.
The state water plan has been designed to meet water needs during times of drought. The purpose of this amendment is to ensure that cities, rural communities, farms, ranches, businesses and industries have enough water should we experience a serious sdrought like that of the 1950s. The 16 regional water-planning groups have worked to create a 50-year regional plan and will refine that plan every five years, monitoring conditions and reassessing assumptions that have been made.
This amendment creates a State Water Implementation Fund and the State Water Implementation Revenue Fund for Texas—special funds in the state treasury outside the general revenue fund to be administered without further appropriation by the Texas Water Development Board and used for the purpose of implementing the state water plan adopted by the board.
This water plan includes the cost of water management strategies and estimates of state financial assistance required to implement them. The regional water planning groups recommend water management strategies that would account for 9 million acre-feet of water, which equals 325,851 gallons, by 2060 if all strategies were implemented. These strategies include 562 unique water supply projects, of which 34 percent would come from conservation and reuse, 17 percent from new major reservoirs and about 34 percent from other surface water supplies.
Opponents to the amendment warn that with the money stuck in a dedicated fund, the $2 billion transfer from the Rainy Day Fun would not be an appropriate source for the funding; this could cause a credit downgrade and decrease the state's ability to deal with revenue shortfalls, natural disasters and school finance case decisions that require additional spending.
Amendment No. 7 (H.J.R. 87) The constitutional amendment authorizing a home-rule municipality to provide in its charter the procedure to fill a vacancy on its governing body for which the unexpired term is 12 months or less.
The Texas Constitution prohibits a city with terms of office between two and four years from filling vacancies by appointment. Cities must fill vacancies by a majority vote during a special election held within 120 days after the vacancy. This amendment would allow home-ruled cities to avoid expensive special elections currently required by the Constitution.
Opponents note that the cost of a special election is a small price to pay to ensure accountability in government.
Amendment No. 8 (H.J.R. 147 and S.J.R. 54) The constitutional amendment repealing Section 7, Article IX, Texas Constitution, which relates to the creation of a hospital district in Hidalgo County.
In 1960 Texas voters approved a constitutional amendment that authorized the Legislature to create special hospital districts in certain counties including one in Hidalgo County at a maximum tax rate of 10 cents per 4100 valuation of taxable property value. Two years later, voters approved an addition to this legislation that provides the creation of a hospital district composed of one or more counties, or all of any part of one for more counties, at a maximum tax rate of 75 cents. Hidalgo County is trying to repeal the original provision limitations that set them at a tax rate of 10 cents per $100 valuation and allow them to create a district with more favorable conditions that are available in other Texas counties.
Opponents feel that this could open the door to an increase in taxes for Hidalgo County property owners with Hidalgo County being able to set the rate as high as 75 cents per $100 property valuation.
Amendment No. 9 (S.J.R. 42) The constitutional amendment relating to expanding the types of sanctions that may be assessed against a judge or justice following a formal proceeding instituted by the State Commission on Judicial Conduct.
Article 5 of the Texas Constitution established the State Commission on Judicial Conduct. This group investigates allegations of misconduct against Texas judges. It can assess sanctions against judges if it finds willful or persistent misconduct or it can recommend removal or retirement for serious misconduct or incapacity. This amendment would authorize the State Commission on Judicial Conduct to issue certain types of private or public sanctions against a judge or justice of a court established by the constitution or created by the legislature. It would also authorize the commission to institute formal proceedings and to issue an order of public censure against or recommend the removal or retirement of the judge or justice, sanctions that are primarily punitive in nature. It expands the sanctions for assessment by the commission following formal proceedings by allowing the commission to issue an order of public admonition, warning, reprimand or requirement that the judge or justice obtain additional training or education, in addition to punitive sanctions. This proposed amendment would only apply to a formal proceeding instituted by the commission on or after January 1, 2014. Supporters say this would give the commission a way to respond to allegations of alleged judicial misconduct investigated through formal, public hearings in order to discipline judges appropriately after all types of investigations into judicial misconduct.
Opponents note that formal proceedings that expose all information, both supporting and refuting an allegation, to media and the public could harm the judiciary system. Exposure to debate over allegations that may turn out to be unsubstantiated or minor could taint the public's perception of a judge.
Early Voting for Anderson County is being held at the Anderson County Courthouse Annex Building through Nov. 1, from 8 a.m. to 5 p.m. Monday through Friday. Early voting in Trinity County is being held in Groveton at the Volunteer Fire Department, in Apple Springs at the Volunteer Fire Department and at City Hall in Trinity. Early Voting in Houston County is being held at the Houston County Courthouse.
Information for this article was found in articles compiled by the House Research Organization and the Texas Legislative Council on the proposed constitutional amendments in Texas.


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Lyle Lovett
Tuesday July 3, 2012 / 7:00pmLyle Lovett
2 tickets
Loge / Mezzanine
3790 Wilshire Blvd
Los Angeles, CA 90010
How was your experience?
Lyle never disappoints, even after seeing him over 10 times. A good mix of his new and old songs. His voice is still strong. Great concert!


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|03 Sep 2012
Windows 7 Home Premium x64
Lenovo v570 1066-CLU - GeForce 525M hangs after short gameplay
My recently purchased Laptop, a Lenovo IdeaPad v570, has been having problems with the NVIDIA portion of the display driver.
After a minute or so of using the NVIDIA driver, the audio starts to stutter, then the game just freezes, with a short audio loop. I have to reboot the laptop manually to fix this, as it freezes the whole computer. I tried downgrading to the Lenovo recommended driver from the latest build, but I'm still having the same issue.
On some occasions, it doesn't freeze, so I can alt-tab and see the message:
"Display Driver stopped responding and has recovered".
Even if games are running smoothly, they still have issues. One example is Team Fortress 2, but If I disable the NVIDIA driver in Device Manager, the Intel one works fine.
Pretty weird. I have both the Intel HD Graphics 3000 and GeForce 525M driver versions supplied by the manufacturer (Lenovo).
I've been trying to get the BSOD logs, but it says "Access is denied" even though I've ownership over the Windows folder and I'm an Administrator. if anyone knows how to get past that, feel free to tell me how.
I attatched my DxDiag in case you need it.
Any help or possible solutions are appreciated.
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It gave me lush, full lashes-for the first 5 minutes. This was very wet and made black circles inder my eyes, and weighed down my curl of my eyelashes. Thank God this was a GWP. Diorshow is MUCH better.
I received this as a sample and I was pleased with it. What I like the best about this product is that it separates my lashes. It also puts on a smooth coat, which doesn't necessarily make my lashes look significant longer, which is fine. I like the full, long brush. The drawback is that it's a bit wet, so it takes a bit to dry.
More reviews by highspeedblues
I bought this mascara in the color Plum Drama because I wanted to try colored mascara and I always had good results with Clinique mascara. This was very disappointing. The brush is too fluffy making it hard to apply perfectly. More than one or two coats makes a clumpy mess. The color is not very significant at all, unless you are under direct light. I wouldn't buy this again, in fact I've barely used the one I have.
More reviews by CinderellaSP03
I love this mascara! I received my tube as a free sample from gloss.com. It lengthens like no other! My lashes were soooo long after I used this... and believe me, I was not blessed in the eyelashes area. The only problem I really had with it is that it had a tendency to flake off. Also, it didn't really thicken, but that's why you layer a thickening mascara over it! :-) I will definitely be purchasing High Impact Mascara again and again and again...
This is the worst mascara I have ever tried. It was a GWP, so at least I didn't pay money for it. I think I may be allergic to it, which affects my rating. My eyes itched and burned all day today with this stuff on. The wand is huge and fluffy, so way too much product goes on if you aren't careful. The consistency is wet and goopy, a bit thicker than maybelline great lash. It didn't hold my curl at all (shu uemera curler not the problem), Because so much mascara came off the wand, my lashes looked clumpy after one coat, even after I brushed them with a dry wand. Awful. I wish I had saved it to swap to someone it works for!
This is also my current fave at the moment. Although I have long lashes, they tend to be thin and this really thickens plus lengthens. I loved it in Sapphire but it was limited edition and I bought the last one at Short Hills Saks--no where else has any left :( Great mascara, will repurchase (in black).
I am still on the search for my HG mascara, but this is my current fave. It colours my lashes well and makes them looks loads longer. I have to apply quite carefully though to avoid clumping. I like clinique's mascaras because I think the formulas are quite shiny and give your lashes a nice glossy glow, kind of like when they are wet.
I got this as a sample and I was disappointed. Though the formula itself was nice and brought out rich color, the brush is way too fluffy to work well with my short, sparse, and thin lashes. It clumped and didn't deliver the mascara evenly at all. It doesn't hold a curl either, so if your lashes are like mine, don't bother with this. My favorite Clinique mascara is naturally glossy. It's perfect for a natural, pretty, soft look for lashes. Try that instead.
More reviews by WheresMyCouture
Makes my lashes look thick and longer but it clumps a little more than I would like.
This mascara is generally fine. However, I find it migrates and a bit ends up beneath my eyes. Also, I always find a spot or two where the lashes left a mark of mascara on my upper lid where they hit, even thought I am very careful to apply. Must take a while to dry. Lastly, and this is a bit gross. I know you all have found before a glob of black in the inner corner of your eye, you know what I mean, actually in your eye, it's pretty sick. Well with THIS mascara, there was ALWAYS globs there, the next morning I would see them and try to get it all out. Ick!


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Chicago police to utilize covert cameras
Authorities hope new cameras will provide them with a better chance to crimes on video
According to a story published this week by the Chicago Tribune, the Chicago Police Department will soon be upgrading its CCTV network with the installation of new covert surveillance cameras.
Though the police department has had visible cameras in place to deter gang activity for nearly seven years, it is believed that the new covert cameras will give authorities a better chance to capture criminal activities on video.
Click here to read the full story.


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(Netherlands 1558 – 1617)
41.6 x 33.6 cm trimmed just outside border
The Italian word chiaroscuro, which refers to contrasts of light and dark in a work of art, came to be applied to woodcuts in which figures were delineated in dark ink on a background of varying tones of the same or similar colours, with unlinked white areas of paper providing the highlights. Chiaroscuro woodcuts are built up of two or three blocks and the colours tend to be closely related because the emphasis is on the depiction and differentiation of tonal values rather than the effect of bright colour. In this print depicting 'Hercules and Cacus', the contrast between the light and dark tone blocks is quite strong however. Goltzius used three different blocks (black, ochre and brown), which were printed successively on one sheet of paper; the black outline was printed last so that it would sit crisply on top of the colours.
Though they represent only a small part of his oeuvre, the chiaroscuro woodcuts designed by Goltzius are the most sophisticated and impressive examples of the medium in Northern Europe during the 16th and 17th centuries.
'Hercules and Cacus', Goltzius's only dated woodcut, illustrates an episode from one of the twelve labours of Hercules: Hercules capturing the cattle of Geryon. Cacus, the son of Vulcan, stole eight of Hercules' cattle and hid them in his cave. He then blocked the entrance by chaining a boulder across the mouth. Hercules pursued him, broke into the cave and gave battle. Goltzius shows Hercules at his moment of triumph, his club above his head, about to slay the fire-breathing thief.
F.W.H. Hollstein, Dutch and Flemish etchings, engravings and woodcuts c.1450-1700, Amsterdam, 1949, vol.III: 122. no.373
Walter L Strauss, Hendrik Goltzius, 1558-1617: the complete engravings and woodcuts, New York, 1977, vol.II: 696-99. no.403
European prints and drawings 1500-1900, Art Gallery of New South Wales, Sydney, 30 Aug 2014–02 Nov 2014


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Vincent Van Gogh's Starry Night recreated in bacon.
what can people not do with bacon
(( I am really hungry now. Oh my god. ))
Green Smoothie - 1 cup baby spinach, 1 cup kale, 1 pear, 1 ½ cup of orange juice, and 1 frozen banana.
Chocolate Peanut Butter – 2 TBL unsweetened cocoa powder, 2 TBL peanut butter, ½ banana, 1 cup almond milk, ice. 320 calories total.
Mango Ginger — 2 cups frozen Mango, 1 cup frozen raspberries, 1 banana, ¼ cup chopped ginger, squeeze of lime, yogurt.
Strawberry Date — 1 date, 1 ½ cup frozen strawberries, 1 cup almond milk. Optional: 1 scoop protein powder or 1 TBL of flaxseed oil.
The most important meal of the day!
In the average brownie, there's 250+ calories, and the over half these calories consist of fat.
How about a 120 calorie brownie with just 1g of fat and nearly 4g of protein? Oh - did I mention it's Vegan?
What you will need;
- Dry ingredients - 1 1/3 cup wholewheat flour, 1/4 cup sugar, 1/3…
Chicken soup has cysteine, an amino acid that's released by cooked chicken. It's chemically similar to a bronchitis drug, acetylcysteine, and it works with other soup ingredients to reduce inflammation. Salty broth also helps thin mucus.
Yogurt with active cultures, that are also know as probiotics or live healthy bacteria, can help fight colds in the first place. One, Lactobacillus reuteri (found in Stonyfield Farm yogurt) are very good.
Drink hot tea: It can fight virus, and acts as a inflammation-relieving antioxidants. Drinking five cups of black tea a day for two weeks can help produce 10 times more interferon, the proteins that fight viruses, than drinking an instant coffee.
Peppermint is good for upset stomach and indigestion related problems such as nausea, diarrhea, flatulence and cramps during period; it is contraindicated if you are suffering from GERD – gastro esophago reflux disease because it can irritate your upper digestive tracts.. Otherwise, peppermint is helpful in giving your stomach numbing effect by relaxing the muscles in those areas and thus alleviating the pain and distention.
Dark honey has a lot of protective antioxidants. And a big squeeze of lemon in every mugful adds a little extra vitamin C to your virus-fighting kit, plus the tartness stimulates saliva, which makes swallowing easier.
Oatmeal and many other whole-grain cereals delivers three nutrients known to support your immune system: selenium, zinc, and beta-glucan.
Baked Zucchini Sticks
Gina's Weight Watcher Recipes
- 3 medium zucchini sliced into 3" x 1/2" sticks
- 1 large egg white
- 1/3 cup seasoned whole wheat bread crumbs
- 2 tbsp grated Pecorino Romano cheese
- cooking spray
- 1/4 tsp garlic powder
- salt
- fresh pepper
- In a small bowl, beat egg whites and season with salt and pepper. In a ziplock bag, place breadcrumbs, garlic powder and cheese and shake well. Spray cookie sheet with cooking spray and set aside.
- Dip zucchini sticks into eggs then into bread crumb and cheese mixture, a few at a time and shake to coat.
- Place the breaded zucchini in a single layer and spray more cooking spray on top.
- Bake at 425° for about 20-25 minutes, or until golden brown.
Makes three servings, 1 zucchini, 122 Calories each
Fat: 2.4 • Carbs: 21.0 g • Fiber: 6.0 • Protein: 6.7 g
Making this tonight! zucchini is my favorite veggie :)
omg it's like they match
How to make your own Reptar Bars. (sadly they aren't shaped like reptar)
Raw chocolate and banana ice cream cups
For chocolate cups:
- 120g/1cup buckwheaties
- 20g/3tbsp cacao powder
- 3 medjool dates
- 75ml/1/3 cup water
- For sauce:
- 25g/2tbsp tahini
- 10g/1½tbsp cacao powder
- 1 medjool date
- c. ¼ cup water
For ice-cream:
- 250g 3 frozen bananas (you should break these into chunk and place into a freezer bag before freezing)
- 1/2 vanilla pod (optional)
Make the chocolate cups:
• In the processor process half the buckwheaties to a flour.
• Into a bowl place the whole buckwheaties, the buckwheat flour, and the cacao.
• Put 3 dates into the processor and add the water. Process into a sticky jam-like mixture.
• Add the date mixture to the buckwheat and cacao and work together well until you have a sticky dough.
• Line the base and side of four 3-inch muffin tins with the mixture.
• Place these into the freezer while you make the other parts of the dish.
Make the sauce:
• In the processor, combine the tahini, cacao and dates, adding the water bit by bit until you have thick and creamy sauce.
Make the ice-cream:
• Take the banana chunks out of the freezer. Leave them in the bag and break them up – this will be too difficult to do if you take them out as they are really cold!.
• Working quickly, deseed the vanilla (if using) and put to one side.
- If you are using a juicer:
• Put the banana chucks through the masticating juicer, catching the resulting ice-cream in a bowl. Add the vanilla seeds and mix well, work quickly!
- If you are using a food processor:
• Add the chucks of frozen banana and vanilla seeds to the bowl and process, including a piece of fresh banana if needed to help the processor.
Assemble the dish:
• Upturn the chocolate cups to get them out of the muffin cases and place on your serving dish.
• Scoop a generous spoonful of banana ice-cream into each chocolate cup.
• Pour over a smooth and creamy portion of sauce.


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StartUpHire is the place to find Developer jobs in and near Rhode Island. Review the list of Developer Rhode Island career opportunities to the left. These Developer jobs represent some of the most rewarding careers available.
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Department: Location: Providence, RI Type: Full time, Salaried, Exempt ShapeUp is building a Business Intelligence solution from the ground up and is looking for someone who can take ownership of building out the ETL framework and processes to support the new BI & Analytics9/20/2014 Providence, RI Save This Job
Job Description Vector Software, the leading provider of automated software testing solutions for developers of embedded applications, currently has multiple openings for Senior C++ Software Developers. In this role you will enhance existing VectorCAST functionality, add new9/30/2014 East Greenwich, RI Save This Job


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WICHITA — Rodney Steven II is at it again.
He's added two more health clubs to his 28-year-old Genesis Health Clubs chain, this time in Springfield, Mo.
Steven has purchased his friend Dan Martin's two Ozark Fitness Centers in Springfield.
"The clubs are so similar to ours," Steven says. "It's just a very similar marriage for us."
This brings his total to 15 clubs in Kansas and Missouri, including five in Wichita.
"Dan's been a good friend for a lot of years," Steven says.
"He's kind of an industry veteran. Warrior, actually," Steven says. "He started out in just a little garage."


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4607-4811 Ga Highway has a Walk Score of 20 out of 100. This location is a Car-Dependent neighborhood so almost all errands require a car.
Nearby schools include West Haralson Elementary School, Tallapoosa Primary School and Haralson County High School.
Nearby restaurants include Taco Bell, La Cabaña del Río Mexican Restaurant and Dom's on the River.


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Break Picture Gallery: Eye Of The Tiger Edition
Posted by Break.com Staff on Dec. 01, 2010
Posted by Break.com Staff on Dec. 01, 2010
 I think I need to find a new aerobics class.
Chip (in white sk8er shirt) knew from that moment on he would never be the same.
 his name was Robert Paulson... his name was Robert Paulson...
 its goro from mortal kombat
Bob had bitch tits......
 go be fat somewhere else
 thats a SITUATION
It's GeniusIQ160
 dfdsf
 How many times is this gonna get posted? It's not even funny anymore.
 when did e honda turn white?
 Mom?
 That man is now 92 years old. This image was first posted on BigBoys.com following on his 17th birthday--that is how old this is
Let me get this right...this guy can be out in public flashin these, but when beautiful women show their tatas its nudity and wrong....disturbin photo and you better watch out if he craps himself with all that pushin!
 Man, or woman?
 The ripples make me think I could take him just by running around but then I noticed the badass tattoo on his arm and I thought twice.
this is profoundly fucked upÂ
 Is this what Blanka looks like shaved down?
 Damn!
132nd post
 That deserves a simple WTF!!
I would hate to look like that.
TUMOR? (seriously, what is that?)
No one remembers (google ninja here btw)
fat people have rights too!


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Cara Delevingne & Michelle Rodriquez Kiss, Blow 'O's At Knicks Game
Victoria's Secret model Cara Delevingne and openly bisexual actress Michelle Rodriguez put on a show during the New York Knicks game on Tuesday night, sharing kisses and an e-cigarette while taking in the sporting event.
Rodriguez, 35, and Delevingne, 21, paid far more attention to each other than to the Knicks while sitting in their courtside seats. Throughout the night, the Fast & Furious star and British born model were all over each other, reported the New York Daily News. The pair kissed and took turns trying to blow O's from an e-cigarette. "Making some hoops O🏀O #theknicksgame," Delevingne captioned an Instagram picture.
As the night wore on, Rodriguez appeared increasingly liberated. Snapping selfies – none of which have materialized on either celeb's social media accounts – the action star's hair was in disarray as she continued to down a drink.
"Cara had to take Michelle's drink away from her during the second half of the game," an observer told Us Weekly. "Michelle was so sloppy, it was embarrassing to watch."
Delevingne didn't appear to be too embarrassed about her company's behavior or appearance. She uploaded a picture of Rodriguez from the night, writing, "And tonight the Knicks @mitchymich x."
While Delevingne was recently linked to One Direction singer Harry Styles, Rodriguez made headlines back in October when she admitted she's dated both men and women.
"I've gone both ways. I do as I please. I am too ... curious to sit here and not try when I can," she told Entertainment Weekly. "Men are intriguing. So are chicks."
– Chelsea Regan
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For More Cara Delevingne News:
Cara Delevingne Posts Twerk Video Of Victoria's Secret Models
Cara Delevingne Takes Over Times Square For DKNY Shoot
Harry Styles Attends London Fashion Week
Who Is Cara Delevingne, Harry Styles' Latest Girlfriend?
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Mauritius president promotes use of Ayurveda to cope with hazards of modern living
Mauritius President Rajkeswur Purryag has strongly advocated the use of Ayurveda to cope with and counter the hazards associated with modern-day living.
Purryag said that Ayurveda is not only curative, but also preventive in its application.
"Ayurvedic medicine is something that has to be promoted all over the world because it is not only curative, but is also preventive. Seeing today's lifestyle, it is very necessary to adopt Ayurveda", Purryag told media here ahead of a visit to the Global Ayurveda Festival.
The five- day event will be inaugurated on February 20. About 40,000 delegates from all over the world are expected to attend it.
Ayurveda, literally meaning the 'science of life', has over the years gained popularity, as the world haunted by toxic effects of modern drugs, is fast on the lookout for alternative systems of treatment.
In India, Ayurveda evolved as a system of medicine around 600 B.C.
Mauritius and India share a strong bond as more than 60 percent of Mauritus population is of Indian origin
The relationship between Mauritius and India dates back to 1730s and the long historical ties have resulted in rather cordial relations between the two nations.
(Posted on 19-02-2014)
Information on States of India:
Andaman Nicobar | Andhra Pradesh | Arunachal Pradesh | Assam | Bihar | Chandigarh | Chhattisgarh | Dadar Nagar Haveli | Daman Diu | Delhi | Goa | Gujarat | Haryana | Himachal Pradesh | Jammu Kashmir | Jharkhand | Karnataka | Kerala | Lakshadweep | Madhya Pradesh | Maharashtra | Manipur | Meghalaya | Mizoram | Nagaland | Orissa | Pondicherry | Punjab | Rajasthan | Sikkim | Tamil Nadu | Tripura | Uttar Pradesh | Uttaranchal | West Bengal
Andhra Pradesh Travel Map | Bihar Travel Map | Goa Travel Map | Gujarat Travel Map | Haryana Travel Map | Himachal Pradesh Map | Karnataka Travel Map | Kerala Travel Map | Maharashtra Travel Map | Punjab Travel Map | Rajasthan Travel Map | Sikkim Travel Map | Tamil Nadu Travel Map | Uttar Pradesh Travel Map | West Bengal Travel Map |
Alappuzha | Ernakulam | Idukki | Kannur | Kasaragod | Kollam | Kottayam | Kozhikode | Malappuram | Palakkad | Pathanamthitta | Thiruvananthapuram | Thrissur | Wayanad |
Airports of India | Districts of India | India Pilgrim Centers | Tourism Map of India | National Highways in India | India Railway Routes |
Ahmadabad | Bangalore | Chennai | Coimbatore | Delhi | Hyderabad/Secunderabad | Kochi | Kolkata | Mumbai | Pondicherry | Pune | Surat |


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France v Spain Betting Preview
Another big European friendly clash on Thursday night, as France and Spain come together. They were paired together in the World Cup 2014 qualifiers and the French pushed the Spaniards hard, but still came out second best. But with their respective performances at the finals, Les Bleus are running as 6/4 favourites with online betting site Bet Victor for this one, leaving Spain handing out an unfamiliar price of 2/1.
There are some great looking international friendly matches around during the week and online bookmaker Bet Victor have good insurance for accas going, to take advantage of. Place a five fold or bigger on the Both Teams To Score market, if just one leg lets you down, then Bet Victor will give you a free bet up to £25.
France v Spain Betting Tips
The French were clearly the better of the two sides at the 2014 World Cup, with Spain embarrassingly crashing out in the group stage as defending champions. They played each other twice during World Cup qualification, with France losing 1-0 at home after taking a 1-1 draw out in Spain. So very tight margins between the two and would expect that to continue as well by backing the game to go under 2.5 goals for a price of 4/7 with online betting site Bet Victor. The last five meetings have all gone under the mark.
So how much value are France, considering that they haven't won any of the last five games against the Spaniards. Quite a bit, despite that run of form. They will have more of the settled squad as Spain look to rebuild themselves after their World Cup humiliation. France will be without Olivier Giroud so it could be to new Chelsea man Loic Remy at 2/1 or Karim Benzema for the same price that punters will look to for value for the French to get on the scoresheet. Games like this are going to be important for France now, who won't have competitive qualification matches as they are the hosts of Euro 2016. So Didier deschamps has to keep momentum going with friendly wins.
Where do Spain go after World Cup 2014? Vicente del Bosque has remained in his job, which is nice after all that he has done for them. Three is a much younger looking squad in attendance, with the likes of Xavi, Fernando Torres, David Villa and Xabi Alonso out of the picture. They still have an envious midfield, with the likes of Cesc Fabregas, Andres Iniesta, Isco and Koke in there. It is to the youngsters that Spain really have to look now to fill the hole. They do still look a bit short up top, with just Pedro and Diego Costa being joined by the uncapped Paco Alcacer for this one. Costa, with his great early form for Chelsea, is a 2/1 shot in the anthem goalscorer market.
France v Spain Betting Odds
France 6/4, Spain 2/1, Draw 11/5
France v Spain Predictions
Punters have to be looking forward to this one, just to see what becomes of Spain. They really have to turn to their youngsters, and they could be there for the taking by France, as it could take some time for the new Spanish set up to come together. More than enough value on France to take the win at 6/4, but don't expect Spain to give this game away, so it will probably be tight.
Find the latest results, League Table, Top Scorer and more on our football statistics on online-betting.me.uk (just choose your country & your preferred topic)
2nd September 2014 / Lee A Jackson - Category: Football Betting


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Our unique posters and photos will look fantastic in your home, office, hotel, restaurant, etc. Find interior design inspiration from our décor page.
The Velvet Underground's live music career is celebrated in the concert memorabilia available at Wolfgang's Vault. The Collection is divided into The Velvet Underground Posters, The Velvet Underground Photographs, The Velvet Underground Apparel as well as other The Velvet Underground memorabilia such as vintage tickets backstage passes and media like Rolling Stone magazines.


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Credit unions vs. banks: Things to consider
Published on - January 8th, 2014 (by Kristin Wong)
This article is by staff writer Kristin Wong.
One of my money resolutions for 2014 is to switch banks. I've been a long-time customer of a big bank that, in recent years, has stood out among headlines that reveal sneaky and unethical business practices. That's not the only reason I'm switching, but it does help me want to change.
In addition to looking at other banks, I've also been researching credit unions. Some people think credit unions aren't terribly convenient — maybe they don't have online banking, or maybe it's hard to find an ATM when you're traveling. But I've found that, despite the potential inconveniences, there are advantages to consider when it comes to a credit union. Here are a few things I'm keeping in mind as I make my decision.
The main draw I've often heard about credit unions is they offer lower interest rates on loans and higher interest rates on savings.
Auto loans and mortgage loans
In 2013, financial research company Datatrac analyzed the average interest rate differences between credit unions and banks. When it came to car loans, banks' interest rates were about two percent higher. When it came to mortgages, rates were very similar.
Savings yields
The National Credit Union Administration also regularly analyzes the average rates of credit unions and banks. Their latest data (June 2013) found that the average "regular savings" rate for a credit union was 0.14 percent. The national average for banks was 0.13 percent.
But when it comes to choosing what works for you, you're probably less interested in average and more interested in best. According to Datatrac, the "bank high" savings rate is 1.06 percent. The credit union high is 3.00 percent, which is awesome, but not necessarily accessible.
For example, I researched the credit unions in my community that I might be approved to join. On the high end, those credit unions offered an APY of 0.25 percent. My current bank offers 0.50 percent, and the bank I'm considering offers 0.85 percent. So while credit unions have the overall reputation of having higher interest rates, I guess it really depends on what's available to you in your community. But with a credit union high of 3 percent APY, it's definitely worth looking into.
If you're getting a car loan, it's probably best to go with a credit union. But I'm not a big fan of car loans in the first place (though I understand people have their reasons), nor do I think I'll need one anytime soon. At this point in my life, I'm only concerned with interest rates when it comes to saving. On average, credit unions have better rates, but I'm not sure I have access to the high rates mentioned on these reports.
Credit unions are known for having low to no fees on their accounts. And while they may offer free checking and even checking with interest, I've come across a couple of banks that offer the same thing. Many credit unions require no minimum to open; the bank I'm considering doesn't require a minimum deposit either.
What's more, according to a July 2013 article from the Washington Post, credit unions have been hiking up their overdraft fees faster than banks.
"The report shows that banks have held the median overdraft charge at $30 a transaction for the past four years, while credit unions have upped their price from $25 to $28 a transaction in the past two years."
On the other hand, "fees are still lower on average at credit unions as of the first three months of 2013." I'm not planning on using overdraft protection, so this doesn't really affect me, but I thought it worth noting. An article from The Street also confirms the misunderstood stereotype that credit unions = no fees.
"Unfortunately, many who make the switch assume mistakenly that just because they're banking with a credit union, they're not going to be charged fees. The truth is that credit union members are just as vulnerable to fees as bank customers — a fact that is rarely shared or acknowledged."
Most people with credit unions love them and attest that they don't pay fees. And I'm not saying most banks don't assess ridiculous fees, but it does seem like the whole "no fee" thing with credit unions might be a little overrated. I'm not knocking credit unions; I'm just saying, if I switch, I don't think fees will play a huge part in my decision.
Here's where credit unions win, by far — the way they're structured.
Credit unions have a reputation of being more personal and focused on community, and there's a reason for that. When you open an account with a credit union, you become a shareholder. In fact, the operators of credit unions are members themselves. As Michele Lerner explained in a Get Rich Slowly question:
"First, unlike banks, credit unions are financial membership organizations. You don't open an account at a credit union, you become a member and use your deposits to buy shares in the business."
Credit unions are also community-focused because a lot of their members belong to a similar group. My old company, for example, had a credit union. My university had a credit union. In Los Angeles, there are a lot of entertainment-industry-related credit unions.
Theoretically, credit unions are private cooperatives that are owned and operated by their own members, the advantage being that local money stays within the community. Many people like the idea of that and, according to credit union members, it usually translates to a better "customer" experience.
While banks want to make money and appeal to investors, credit unions are not-for-profit, and their investors are their members. Any profit made from a credit union is supposedly returned to its members in the form of low interest rates or lower fees (although there's been some recent controversy over the industry overusing these profits on advocacy efforts).
Overall, though, a non-profit structure usually translates to: a) not feeling like your financial institution is trying to take advantage of you, and; b) not seeing your financial institution's name next to the words "crooked" and "discrimination."
While they're certainly not immune to questionable practices, the structure of a credit union seems to provide a better overall experience, and most credit union members attest to that.
Overall, I suppose it depends on what you're looking for in a financial institution. Both options — credit union or bank — have their advantages and disadvantages. There's also the long term to think about. You might feel that, in the long term, the structure of a credit union may serve you better. In the long term, rates may be significantly better. Either way, in making a decision, there are a handful of things to consider. Loans, rates, business model, fees and convenience are all factors that could affect one's decision.
I'm still deciding, so I'd like to read your thoughts. Do you use a credit union or a bank, and what are some benefits and drawbacks of each?
This article is about Banking
In the past, I've shied away from credit unions because I've moved around a lot. I also have a long-standing history at the two banks with whom I deal, and that has been advantageous when hunting for mortgages.
Still, I've been wondering if I'm missing out, so I think I might do some research. This post is a great start, thanks!
I am in the same boat as Beth, I haven't used a credit union because my residential location has never been "permanent enough" for me to feel comfortable making that commitment.
Now that I'm finished with school, I would strongly consider signing up as the benefits in the article seem to outweigh the large commercial banks by a long shot. Interest on checking would be nice! Thanks for sharing!
Currently use a Bank, although finding good interest rates is often difficult, unless they were to become competitive may be an option to look at Credit Unions.
As a professional actress I'm ALWAYS on the go, not just around town but nationally and internationally so being able to access and manage my money easily and "fee free" is monumentally important to me. I stick to online banking. If, however, I was looking into settling down and picking up a mortgage or other major loan, I might look into my credit union options.
Is is possible to have account 1 at $big_bank and then account 2 at $credit_union? That way most of the money is getting a good rate, but the ATM's don't fee you to death?
Sure, there's nothing to prevent having accounts at any number of financial institutions. My mother has accounts at 3 banks and 2 CUs. She uses banks like most people would use different accounts with the same bank, and then complains because she can't transfer money.
There may not be any need to do this. My credit union offers a monthly refund for any atm fees up to $20. I don't use the atm much but I'm definitely not afraid to since I know that I (effectively) don't have to pay for the atm fee. I think my credit union offers this because they only have 2 locations (I think that's why they also provide the ability to deposit checks online or through their app). The point is – look around as atm fees may not be a big issue.
Also, there's a big network of credit unions that often allow you to bank at other credit unions in different places, giving you the convenience of a big bank.
My credit union belongs to the CU Service Center network. I've moved a lot the last few years, but I've always been able to find a local, network credit union to do my in-person banking and use their ATMs fee-free. It's probably not as convenient as belonging to a big national bank, but it is worth to me to continue to belong to my credit union. However, I might have to rethink the out of state credit union when I need a mortgage.
I just switched from Fifth Third Bank after almost 15 years of doing business with them. It was a huge pain in the butt to move all of my online bill pay over and get everything set up and I'm glad it's over with.
I moved everything to Chase because I like the convenience of using a large bank and their online interface. They also lured me over with two coupons, one for $200 if I opened a savings account and another for $125 if I opened a checking account!
Love, love, love my credit union! I had to switch from my big bank where I had been a customer for a number of years because of its deceptive fees and business practices. My checking account at my credit union earns 2.75% interest (unheard of!) and I have yet to be hit with any type of fee.
I have actually yet to experience any drawbacks.
That's an awesome rate, Mary! Especially for checking. It's interesting that I've heard plenty of people complain about their banks, but I can't recall ever hearing a credit union member complain. Not to say that this is proof that credit unions are better, but I do think it's telling!
Please, what is the name of your credit union?
I haven't switched to a credit union because of technological shortcomings. I really enjoy my ability to download transactions to Quicken or YNAB, and the ability to use online bill pay. Some credit unions have been making strides in this area though, so I might have to take another look!
Oh, snap. I didn't even consider how using a credit union might affect online budgeting tools, that's a great point. I mean, if the rates were good enough I wouldn't care about the convenience, but if I'm already leaning in favor of a bank, that might push me over.
Don't make a decision about credit union vs. bank generally based on tech– some credit unions have excellent techological services, some banks have awful ones. Find out what credit unions you qualify for, and then find out what their services are.
P.S. It used to be that it was a good idea to sign up for the credit unions you qualified for and keep a small account there even if you didn't use it much, just to maintain length of membership, because if you *did* want/need a loan, they would give you a better rate if you'd been a member longer. I don't know if that's true anymore, but I do know my VISA and loan rates have been consistently much lower through my credit union account that is 26 years old now.
I'd check the individual credit union. Our credit union had mobile check depositing from your phone or tablet before Wells Fargo did. And we've never had an issue connecting the credit union to mint. Our recent Citibank credit card on the other hand… their web interface was a nightmare!
I use a credit union, no fees, plenty of ATMs, online backing etc. I have never considered switch back to a big bank.
Personally, when looking at banks, I only consider what is most convenient for me in terms of locations, fees, atm reimbursements, etc.
I don't really care about interest rates as all of them are too low for me anyway, encouraging me to invest any excess cash elsewhere and keep just enough for a healthy cashflow.
My bank account balances are therefore low and interest rates don't affect me nearly as much as the convenience factor does.
I thought the same things about credit unions before I started working at one. I have been employeed here 7 years and it is much better than the local bank I worked at prior.
Most credit unions are small, but many partner in credit union service networks. This gives members the ability to access their money when they are away from their home branch. We have had members withdraw money from foreign countries and have had nonmembers come in from all over the world (this is free to the member). As a member at my credit union you have access to over 30,000 ATM's (no fee by us). We have a website that you can download your statements, we have a mobile app, later this year we are rolling out remote deposit capture. This is very common for credit unions. We join together to "keep up" with the big banks. Take another look at your local credit union. They probably offer all the services you want and will treat you like a person, not a number.
I've split the difference, myself. I have my car loan at my local credit union, and got a great APR on it. I also use them to hold different savings accounts like my emergency fund and Christmas fund because I have to physically drive to the building to get my money (their website is fairly limited), which keeps me from impulsively or accidentally spending that money.
What I don't use them for is checking, because I've found a local bank that offers free ATM usage anywhere in the world. Any fees paid at non-branch ATMs are automatically reimbursed. I was even able to use it to get Euros out of an ATM in France without paying either an ATM or exchange-window fee. To be fair, this isn't a big, national bank – they're only available in my state – but they're certainly bigger than a CU and thus able to offer some nice perks.
So basically I'm using a bank for my spending money and a credit union for loans and savings. So far it's working out great.
Great post.
Definitely move your money to a credit union – it's easy and worth it! We wrote a song about it:
You don't always have to live in a specific place to join a credit union! I am a huge fan of Lake Michigan Credit Union, which I belonged to for years even though I lived across the country and have never even been to Michigan. It gave me 3% interest on up to $15,000–in checking! It was fabulous to earn $35 a month on my emergency fund. (I only stopped because I quit my job to travel, and without direct deposit you can't earn the 3%). I *highly* recommend checkign it out.
I should have added the Lake Michigan Credit Union has comprehensive online banking that is very easy to use.
Yeah, I left Bank of America too (that's who we're talking about right?) in large part because of the regular headlines about their behavior. I also was not impressed when they offered me a HELOC at a rate higher than my VISA card (!) and one third what I requested.
I have a mortgage and HELOC with my employer's credit union (which gave me much better terms on the HELOC). I keep ten dollars in checking and savings accounts there in order to qualify for membership.
I switched to a regional bank. I would have liked to join a community bank but I work in DC and live in Maryland so I wanted a bank with branches in both locations.
My first time posting but I read GRS every day. Thanks for the great blogging and inspiration!
I use a credit union for one set of my accounts (including the loan I just paid off) and our family uses a local, small, privately owned bank for the joint savings and checking.
I started using my credit union account (which is based in another state!) about 20 years ago after the fourth time my local big bank was bought out, this time by a big bank that had given me customer service problems when it bought out 2 of my previous bank accounts. Uncredited deposits, lost cards, messed up paperwork, and just generally an attitude that my account was too small to bother with, had greeted me with each new bank takeover.
My credit union has had excellent phone and online banking and online bill pay for a far longer time than any bank I've dealt with, and also a good debit/credit card solution, so that's been a plus. Any financial institution you work with nowadays you want to check out how their online banking works before you commit, if you can.
While I do pay an ATM fee for the credit union transactions (unless I cash a check on my credit union through my local bank, which I'm happy to do), I find the credit union's programs and accounts work well for me. Most credit unions have a lot of services which don't have a minimum balance, as well as partnering with other organizations– I get a discount from my auto insurance for credit union members, and I can get free financial planning advice if I want to visit a credit union branch.
While my local bank doesn't have sunday hours– many do, especially ones that have grocery store branches– they do have extended Saturday and drive-up hours plus coin counters in most branches, and because it's local we have lots of branches near us. I travel a lot but find that I mostly use debit/VISA card services rather than cash, so that's less of an issue. (We have WaWa convenience stores in the Atlantic states, also, which years ago managed to lock PNC into no-fee ATMs!)
In any case, dealing with local banks and my credit union has saved me lots of time over the years, in that I don't end up spending hours over the phone dealing with bank mix-ups as I did when I dealt with large banks, and neither credit unions nor the small banks I dealt with have been taken over since!
My story is similar. After suffering through serial bank buyouts – each one accompanied by degraded service, questionable business practices, and increased fees – I switched to a credit union years ago. I've experienced nothing but good service and am very satisfied with a convenient location, ATM network, online banking, free checking, good interest rates on savings, 2% interest on a 24-month car loan, and an unbelievable 7.5% credit card interest rate (really nice when I needed to carry a balance for a couple of months.) The only time my credit union couldn't provide a service I needed was when I wanted to cash some Treasury I-bonds to use as part of the downpayment on my home. For that, I had to visit a bank. So… daily advantages versus one inconvenience in 8 years? I'll stick with my credit union.
I love my credit union account! I use it for online bill payments and to maintain an emergency fund. But my main reason is to reward them for never taking federal bailout money during the 2008 crash……
BTW, did the big banks ever pay back the bailout money???
I use a credit union for my LLC because they were the only no-fee and no-minimum business accounts I could find.
I have a big bank account (no fees because I direct deposit my paycheck there and do an e-transfer to savings once a month) for the convenience.
I stash my long-term cash in an online-only bank.
One thing that is left out of most Big Bank versus Credit Union comparisons is that credit unions partner with each other. That means I can go to any credit union for free, even when traveling. Also the ATMs at 7-11s are free. This gives you more free ATMs than a big bank can offer.
I have USBank for business and a credit union for personal.
The CU lets me deposit checks free via phone app. USBank charges 50 cents per uploaded check.
USBank has free billpay but I have to buy checks (I get them at Costco). CU lets me do free billpay and also free echecks to anyone I want so I don't need a checkbook there.
USBank has an office near my rural home; CU doesn't but other CU ATMs are on the same system so that's all I use.
USBank doesn't have safe deposit boxes in my town, CU has a safe deposit and cheap too but it's a long drive there for us.
USBank lets me download transactions to Quickbooks and/or sync with them, CU probably does too but I've never needed it AND it has its own version of MInt that lets me see where the money is going.
USBank CEO gets paid 18 million dollars a year, but I like the service I get from them. No idea about CU salaries but I like that it helps decentralize financial power from the megaplayers. Resistance is not futile.
My wife was with USBank in the late 90′s when we married, and she was getting fee'd to death.
We consolidated with USAA FSB, and the aggregation of all our accounts resulted in us being eligible for a higher level of service (called Wealth Management, but it's really just free basic financial planning assistance.)
I also still belong to Ent Federal Credit Union because it's my oldest account (good for credit score, I think) where I keep a few hundred dollars on account for them to lend out to military members at 4% while they pay me 0.2% – and I deduct the difference as a donation to the USO. (Just kidding. The USO and Salvation Army are both actual charities I support, but I don't deduct the interest arbitrage. It just makes me feel good to support a military-supporting credit union.)
The 50 cent charge by US Bank for smartphone check deposits is unusual. Chase, Fifth Third, and Ally provide free smartphone deposits.
I don't think anyone offers free checkbooks anymore, unless you're a new customer or have like $25,000+ on deposit. E-checks should be free everywhere.
ING (CapOne360) gave me one free checkbook.
El Nerdo,
"Resistance is not futile."
Best line I've heard all week.
I absolutely love my credit union! It's a bigger one that spans almost throughout my entire state. One thing to look into is any special deals the credit union makes with another bank. One big advantage of mine is that the company made a deal with US Bank for us to use the ATMs with no charges. That makes it accessible. One other advantage is that when it comes to pay day and paying bills, the bank always processes the incoming check first before doing auto-pay. So your concern about overdraft fees might already be avoided. I also love how quickly my member points build up. For every direct deposit, online logging in, online money transfer, regular deposit…you name it, I get points. These are applied for free checking, cancelling checks, skip-a-payment, and lowering interest rates. I'd suggest looking into these benefits when weighing your decision!
Banks do the same. It is a banking reg.
"Both options — credit union or bank — have their advantages and disadvantages."
Per the article:
*Savings rates: Advantage CU's
*Loan rates: Advantage CU's
*Fees: Advantage CU's (though shrinking)
*Business model: Advantage CU's
Not mentioned:
*Online banking for many established CU's is solid & comparable to offerings of the big banks.
*For travelers, many CU's participate in cooperatives that provide ATM and even branch access that rivals any bank.
There were a lot of caveats behind each "Advantage CU" within the article.
Savers are better off with an online bank, but borrowers should certainly consider a CU.
I thought about switching to a CU, but from what I've seen so far, many lack the convenience of the checking account I have with my brick and mortar bank, and the rates associated with my online bank, Ally. I've noticed a trend that the more convenient banking is, the less the interest rate paid, and the less convenient (ex. wait period, online only, less ATM coverage), the higher the rate.
I like having different institutions to meet my different needs. Ally is where I keep my long-term savings, CD's, and overflow checking (anything over what is needed to pay the month's bills, and can wait a while, earning the higher interest, before being transferred to my everyday checking).
I use my brick and mortar bank merely as a handoff to billers. I also have my mortgage there and love being able to talk to someone face-to-face and having a designated loan rep, a free notary, a place to go to on my lunch to deposit cash or checks. I may keep a few extra hundred beyond what is needed for that pay period's bills, for emergencies, but I've never had to use it as my CC is more convenient, I get points, most places take it, and I have a 30-60 day buffer. Plus I'm never more than 2-3 business days from my savings.
If I'm traveling, particularly in an area where credit is less used, I may pad my checking account with extra cash just in case. Personally I love the flexibility of having multiple banking institutions. It keeps me from being cornered into a situation I don't want to be in (ATM fees, low interest rates, lack of coverage when traveling). It's always nice to be in a room with both a window and a door
Hubby and I use a local credit union. Growing up I used Bank of America (under my parents' account/s), then in college I opened up a rainy day fund with HSBC online (got a credit card there as well). After I graduated and "grew up" I eventually moved all my money to the credit union – they have branches near my workplace and my home, hubby was already using them, and we had plans to combine money anyway since we knew marriage was down the line.
Pros: It's super easy to move money between accounts; they service our (refinanced) mortgage; ATM fee reimbursements (only $5/month, but given how infrequently I use ATMs at all, not really an issue for me); electronic check deposit through their app; easy to use money tracking function through their web site (also easy to use); free checks (I have more than I can possibly use in a lifetime). Oh and my paycheck gets deposited before "actual" payday. Not sure if that's standard these days but it's pretty sweet.
Cons: I kind of missed the check-reading, envelope-free BoA ATMs… except now that I can deposit checks from my phone that's not such a problem anymore.
I'm a big fan of credit unions. We went with a fairly large on in our previous city that had ATM locations (including quite a few grocery stores, etc), fantastic online banking, and a bunch of other perks. When we moved, we went with the credit union that had an ATM right across the street from our house, which was a bad call. When we're about town their locations aren't as convenient, and I HATE their online banking. We should have gone with the larger credit union in town even if it meant that I couldn't just walk across the street to deposit checks.
Either way, though, I think credit unions are the way to go. I find that I just feel better about using them.
My personal checking account is with a big bank and all my savings are online, but my husband does all of his banking with Navy Federal and we have our joint checking account there, too. I never had a reason to complain about my own banks, but I will say that Navy Federal does an amazing job of helping out its members, especially during sequestration last year. There is something to be said for the community aspect of a credit union. Although we're lucky to live in an area with several locations, I rarely find myself needing to go in–they reimburse any fees we incur for using other banks' ATMs, and with the internet, we can take care of pretty much all other business online.
I use a big bank for no fee checking accounts but all my savings accounts and emergency account is with credit unions. The best thing at our local tiny one store credit union is the santa club…4.6% . Too bad that there is a $2.500 limit on that but I get 1% on regular savings.
I am another huge fan of credit unions. We live about 1000 miles from our CU. With the online services available, I have not needed to go into an office. If we do, they have 'shared branching' with other CUs. We can use almost any other CU ATM, and even the one in the nearby 7-11 for free.
Honestly, I see little to no merit to banks. We had a mortgage that was a slightly lower rate, but the bank tried nickling and diming us. We got a letter once telling us our payment was late – not because it was late but because they increased our Escrow amount and we didn't notice. They were going to charge a late fee because they wanted to hold onto more of our money. So, even if they seem slightly cheaper, the fees make it less so.
We recently refinanced with our CU, so it is all in one place – and I couldn't be happier. I really don't understand how a bank could be better than what we have.
I'm with a traditional bank, although there is a new credit union near us that I want to check out. Like you, I've researched the CUs but the ones that have more open membership seem to offer very similar rates for savings and CDs as traditional banks, have not researched them for loans.
I'm another person who has shied away from credit unions due to not feeling stable where I'm living. I'm someone that sometimes want to see someone in person; and though I do just about everything online, banking is one of those things that I sometimes want a person, not a phone prompt.
I could be behind the times but I assume credit unions don't have online bill pay, smartphone check deposit, 24-hour customer service (sometimes I like to call my bank at 11:30 at night) and other conveniences that make my life easier. I could be totally wrong though.
My safe deposit is also at my current big bank.
Carla – maybe there are some credit unions that would live up to your fears, but you can also find credit unions that offer just as much as any big bank.
I've been a long time credit union member. I utilize online bill pay every month and it's flawless. I can access it 24/7. I can log on to my accounts, open up new savings accounts, check my credit card statements, etc all from an online interface that's available 24/7.
I have a free checking and 5 free savings accounts there (they serve different purposes. I also have my small business checking and savings there.
And I have a credit card issued from there.
In the past (not right now), I've had CDs there. I can open a CD and manage it entirely from the online interface.
If I DO for some reason want to go to a branch, I can do so until 6 pm weeknights, or 8 to 2 pm Saturdays.
They also have drive through tellers.
They also have a network of ATMs where withdrawals are free.
They also have arrangements with a number of other credit unions – if I'm travelling and need to go to a credit union, I can go to any credit union across the country in their network and it's as if I'm in that branch.
My credit union offers mortgages and car loans.
Oh, and my favorite part – they have in-house investment advisors for securities/retirement accounts. It's a sister-company but you go to the credit union. The reason this is wonderful to me is that if I need a medallion stamp to sell securities, all I have to do it go to my credit union. I've used this in the past and it's a free service for members of the credit union.
Love, love love my credit union.
My credit union has online bill pay, they have apps for tablets and phones, mobile banking, text banking, check deposit via phone, they partner with TurboTax, there are no ATM fees AND they reimburse you for ATM fess (up to $25 a month), you can transfer money. The only problem I've had is with the smart phone check deposit, but I think the problem is my phone.
There's also external funds transfer, to transfer between accounts I might have at other institutions, Pay Other People which can send money to other people, and you can actually open a subaccount OR a new account completely online.
I'll be honest, I've never had a bank account. When I was a teenager my parents used a bank and had some money in an account for me and my brother, but the bank raised the limit and started assesing fees so they switched to a credit union.
Now that credit union is huge. It used to be for select invidiuals but they changed their charter and name and you basically have to live or work in two or three counties and I think the majority of people I knew had an account here. The only problem with getting big is they started having some issues the big banks did in terms of customer service.
I've traveled all over the country and even over seas and never had an issue with using an ATM card to withdraw money.
Oddly enough Mint.com has my info for my current (much smaller CU) but not my older much larger one.
We've been members of the same credit union for over 30 years and have lived in four different states. The shared banking is great because the nearest office isn't that close, but there are several other CUs nearby. Once we unknowingly used an ATM that had fees, and the CU refunded the fee. It has bill pay along with great rates. The checking account pays 3% on any amount up to $10,000 (they lowered it from $25K, which I wasn't happy with). You do, however, have to have 12 POS transaction and a direct deposit. That has been an issue a couple of times, but I try to check near the end of the month to ensure I have 12. However, I think that's the way it works with bank rewards checking, too.
For people who travel a lot, many Credit Unions are part of what's called the co-op network, which allows you to use co-op network ATMs anywhere across the country. Pretty much every 7/11 I've been to has a co-op ATM.
As far as online banking goes it probably depends on the credit union, but mine has had it for just about as long as I've been a member (at least 8 years now).
I used to belong to both a credit union and a bank. The credit union's only ATM was in the lobby of the building and it was difficult for me to ever go onsite to make any traditional or ATM transactions. Still, I kept it so that when I was ready to buy my house, I could take advantage of those awesome interest rates. Well, when it came time to take out my home loan, they refused me four times! Their explanation is that as a single woman with my salary, I was not a good risk. No amount of explaining that I live frugally and look at previous handling of money would change their mind. After getting a much more expensive loan, I have never, not even once been late with a payment, and am even paying the priciple down early. So for me, that credit union was a total waste of time.
Yes, CUs can offer lower rates, but do you know why? It's because they are do not pay state or federal taxes. Please understand that the federal tax exemption is costing the government $1.6 billion this year alone. That is $1.6 billion that needs to come from somewhere else… namely, the general public. Please be aware that when you patronize CUs, yes you will be gaining money on a higher interest rate (deposits) or a lower interest rate (loans), but you as an American citizen will see higher taxes and fees in other areas of your life as a result.
Also, all banks are not created equal. There are tons of small, local, community banks that are just as personal and caring, if not more-so, as CUs. These banks also have modern technologies such as: online bill pay, online banking, remote check deposit, etc. and have access to a large network of ATMs for their customers.
It's obviously down to personal preference and how strongly you feel about the larger picture and the impact it has on our country's taxes. Yes you may get a lower interest rate on your mortgage, but the government may raise your property taxes, or vehicle renewal fee, or individual income tax rates, to make up the money somewhere else down the line.
Longtime bank customer turned credit union devotee here. I fled my giant national bank for a local credit union a couple years ago mostly because said bank announced monthly fees on checking accounts during a recession. (Tone deaf much?) But the credit union's higher rates on savings and lower rates on loans/credit cards were also a big win. I'll never go back to a for-profit bank if I can help it.
I have used banks and credit unions but 90% of my financial life is though USAA. I believe that at this point most of the USAA products are available to anyone, not just military members and their families, so I think this is well worth a look. Consumer Reports consistently rates USAA well for banking, finance, and various insurance products. I think their online interface (including mobile apps) is excellent and they are the only institution I interact with that "gives good phone". What I mean by that is calling up their customer service is helpful, efficient, and I never feel like they are trying to push me products I don't need.
I really like having most of my financial life at one institution because they can look at my situation holistically and make smart recommendations that a bank with only one or two accounts wouldn't have the perspective to comment on.
The idea that credit unions don't offer online banking or fee free ATMs is either outdated information or a myth. I currently bank with a credit union that has a nationwide network of fee free ATMs (all 7 Eleven locations, plus more) and has a nice online banking system that includes bill pay, mobile check deposits, online statements, etc.
I switched to a credit union when my online bank was bought out by a company I refuse to do business with. I looked into a lot of different banks/CUs before switching, and while there are some credit unions that don't offer online options & ATM networks, there are CUs and small local banks that offer all the amenities of the Big Bank, but with better rates and MUCH better customer service. Just do a bit of research, know what services you want, and pick a bank or credit union that offers those.
I have my checking account with a state bank here but our state is really small. I love them! I was able to get fee reversed , they have extended hours , saturday hours which is great when your work a typical 9-5 because its hard to get to the bank on time sometimes. I like their customer service. I even had a 401(k) with them before i closed it. I used to bank with another state bank and i hated the customer service and i got fee'd to death. I also banked with credit union before for a car loan and it was such a hassle for me! Even though they had better rates on loans it was just terribly inconvient and i did not like the customer service at all! it wasnt worth it to me. I think once you find a bank/credit union stick to them because it's worth it's weight in gold vs. all the headaches it could cause if you dont like them
We love love love our credit union, though we use a mix of CU/big bank/online bank for our accounts. We were at BofA (checking, savings, credit card, etc) but they started to charge all these fees. What finally sent me over the edge was when they suddenly raised our credit card interest rate with no warning and no reason. When I called, the reason they gave was a five year old medical bill that had been taken care of years ago. After I pointed that out and was lectured on how to use a credit card (despite no late payments, being well within credit limit, etc) I finally cut the guy off, told him he would receive a check in the next couple of weeks to pay it off and we would be leaving after being customers for 15 years. We followed through and have never looked back.
Our credit card at our credit union has a super low rate (not introductory) and the customer service for that and our checking and savings accounts has been amazing. We have no trouble accessing our money, the online tools are great, and they have helped with other small things BofA used to charge us for like medallion signature service.
Our last several dealings with banks were: a charge for having a savings account (2 institutions); a notice of overdraft mailed from Maine when we live in Washington >7days transit time (our only & last one); constantly changing terms & conditions; general fees. Since then we have been member-owners of 1 credit union which is local and easy to work with. Unless credit unions are banned we will not be with another bank as a primary monetary service.
Great post! Definitely something I need to look into more this year.
I have used credit unions for over 25 years. They offer online banking; electronic bill pay; mortgages; debit and credit cards; ATMs; and auto and other loans. All with lower fees than a bank.
I love my credit union. I've been with them for 14 years now and I haven't had a bad experience yet! The customer service is great, the rates are comparable to big banks, the loan process is very easy, online banking and electronic bill pay is very convenient and they have a network of ATM's to choose from so I don't worry about fees. When I got married we added my husband onto my account and closed his account at the big bank he had banked with for years. He loves the credit union too and wouldn't go back to a big bank again. Good luck with your decision!!
I've been a firm supporter of credit unions. One that I have an account with actually provides gives interest for a balance on a checking account. it's not a lot but I need to keep money there to pay my bills so I might as get a little something for my money. I also like the knowledge that their main goal is to serve members and not shareholders. Sure, statistically speaking, they might be hiking up overdraft fees faster than banks, but I keep up with my account balance so I'm not at risk of overdrafting my account. So that really doesn't matter to me.
In general smaller banks and credit unions are so much better in terms of simple customer service. I often find the bigger banks have the new college grad required to try sell me credit card or car loan every time I am in.
Any difference in interest is non-argument for me as online banks or investment accounts are places to keep any significant sums.
I like the idea of Credit Unions but the scale worries me. Banks have been around for ages and despite hiccups have prevailed. If I had to choose it would probably be a bank. Great post, thanks for sharing..
If you trust the FDIC, they back CUs the same as banks.
Regardless of a credit union or bank you need to look at what they provide and assess how it meets your needs. Just as different banks have varying policies, many credit unions also have different policies. With respect to the APR they pay out you also have to look at how they assess the interest.
For example, one credit union I dealt with assessed the interest monthly based on average balance in the account. Most banks do a daily run. This can make a difference based on how you treat the account and what your expectations are.
But overall I been with my current credit union for over 20 years and haven't bothered with a bank. I found looking at the policies and fee structures of regional banks, most recently for my kids attending college where my credit union isn't on campus (I looked past the "student" account to compare long term), that most banks don't want you around if you carry balances in the low hundreds or a few thousand dollars. You simply aren't worth their time and the fee and interest rewards show it. Since I keep my "revolving" money in those accounts and they rarely get much above a few thousand before I move the money off to an investment or use it on bills, most bank policies would fee me to death.
The only non-credit union banking I see in my future is online, but for brick and mortar the credit unions around me just meet my particular needs better.
We have our car notes (yes, we have two of them!) at our local credit union because the interest rates are low (around 2.5%). We also have a credit card with them because it was the lowest rate we could get at 10%. There used to be a balance on it, but thankfully it has been paid off. I keep our main account at the "big bank" because that bank cashes checks immediately, whereas the CU takes 5-7 days. Also, the CU credit card has been replaced several times due to fraudulent charges. Only had it happen once with the big bank card, and that was a long time ago. Finally, the CU seems to be a little slow on the technology side (my daughter has had some issues with them in regard to the Share Account and Savings Account and auto transfers of money). So for now, I am staying with the big bank.


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text: I have seen many improprieties in the SCA. I have seen the worst side of peers and non-peers. I have seen people get awards because of who they were sleeping with and people who did'nt because the Crown asked someone they knew who was against a person, so one who was long deserved did not get an award. I have tried when I can to right some of these improprieties. I have sent in award reports and urged others to do the same. I am not a sheltered pearl by any means. I now have had opportunity to see these things at a Known World level and still I stay. And for the most part you will see me at events talking to and encouraging people. I am usually there explaining the SCA to a mundane passerby or to a newbie who looked uncomfortable. Lorraine