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The Six Causes For You to buy pinterest account
From MN150
Pinterest is the newest social media phenomenon and it just hit over 10 million members. In 6 months, a 4, 000 % increase was seen by the virtually unknown site in visits, leading it to become one of the fastest growing websites of all time. In one week only, there were 11 million hits to bulk pinterest accounts.
You can still find a lot of those who just don't understand Pinterest. To some, it can look like yet another way to while away your period online. And, to be honest, it can actually become addicting.
For this reason companies should start using their company to be marketed by Pinterest. It is simple to use and it has been a great method to improve sales, supply leads and generate traffic to your website.
We are going to consider the six causes for you to begin promoting your business on Pinterest today!
It really is a master driver (of traffic).
To get a fairly new web site, ten million customers is astounding. With any web-based company, your gains are influenced by the amount of traffic to your site. The more traffic you get, the more leads and revenue you can expect to get. With Pinterest, users can be easily linked by you for your own web site, boosting your own web traffic.
Research has also demonstrated that instant pinterest invite link has been more successful at driving traffic then other social networks, including Facebook!
Customers just can not stop making use of.
Like I mentioned before, Pinterest is very addicting. It is entertaining and easy. Users are content to simply share and find new and interesting issues. Individuals are constantly looking for the most recent and greatest and they are continuously making use of Pinterest to discover those things. Because it is picture-based, it is faster and more satisfying for users to scan through.
You can easily integrate with your web sites and social media.
Pinterest has connected with other internet sites. With the newest Facebook Open Data, users will have the ability to post their new pins to the news feed for their friends to see. More people are meant by that seeing your pins. Right now, instant pinterest invite link simply hyperlinks to profile pages and not business pages. To discuss your hooks, you will have to manually share them on your business page.
With Twitter, though, if your Pinterest account uses the same electronic mail as your company' Facebook account, your pins will automatically be shared on Facebook.
You also can add a "Pin It" option to your site or web log like you would with Facebook or Twitter. Which makes it possible for visitors to share your items or articles with others.
More inbound links with Pins.
Why is Pinterest so great is that every pin has a link back to the source - like your web site. Whether pinned or repined, users can link right back to your website by simply clicking on the picture.
Find out more about what is trending.
Pinterest is the place to select customers who need to determine and share what's "in" in every market. From making to trend, the newest trends and loves are being shared. You can see what your market is caring at the minute, what they have been trying to find on sites and e-stores. It is possible to utilize that info to program your own product placement.


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NikEDFollow NikED
Male living in Waltham, Massachusetts United States Of America
Level 2 Traveler
2 tours
1 country
Following 0 people
Followed by 0 people
Say something on NikED's profile
'Sweet as' South
1 country \ 11 days \ from US$1775 per person
Experience the best of South! From Lake Ohau to Queenstown to Christchurch - it's an adventure you won't want to end. Start off on a scenic flight over Mt. Cook then head to Dunedin! Later, get ready to hit Queenstown, the adventure Capital of the World. Try bungy, 4WD'ing or if it's winter, you can opt to take a day trip to stunning Milford Sound. In Franz Josef you'll hike a glacier before your tour ends in Christchurch.
Northern Choice (Auckland to Wellington)
1 country \ 11 days \ from n/a per person
New Zealand's the land of stunning natural beauty, action-packed activities & laid back culture. Kick off this trip in the Bay of Islands & try some sand dune surfing! In the underground caves of Waitomo experience blackwater rafting before hitting Rotorua to try the 'Zorb' or skyline gondola & end the day relaxing in a Polynesian thermal pool. Take ia sunset cruise on Lake Taupo, brave the Rock'n Ropes course & head to the land of "The Lord of the Rings", Wellington (be sure to quad bike through the bush!)

subset: commoncrawl


text:
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East Washington School Board accepts resignation of High School Band Director
Written by Administrator
Thursday, 28 May 2009 00:00
Members of the public expressed their feelings in regards to the resignation of Miller, citing positive support for the former Band Director.
The board accepted a resolution recognizing High School Athletic Director Scott Newcomb for being selected as District 5 Athletic Director of the Year.
The school board was presented a Contingency/Preparedness Plan from Patrick Rose and Jennifer Love-Tillotson of the Indiana Department of Health.
The board also approved the following personnel recommendations: Ryan Osborn as High School/Tech teacher; Clinton Blankenbaker as third grade elementary teacher; Rosa Snapp as Preschool/Title 1 Interventionist teacher; Travis Daily as summer school English teacher; Jacob Johanningsmeier; Jim Lewis as summer school PE teacher, Robert Bennett, Mike McBride , Eric Robertson, Tom Cullen and Buff Gardner as Driver's Education instructors; medical leave of absence of Sharon McElroy's from May 7 through end of school year; verbal resignation of Kenny Speigelhalder' as bus driver and recommend Cheryl Hogan to fill Speigelhalder position; Kelley Lee and Deanna Shofner as cheerleading and pep club co-coaches and Lisa Roberts as JV volleyball coach.
Last Updated on Thursday, 28 May 2009 08:48
Read more...
Results from Seymour Girls Sectional 2009 held at Seymour High School
Written by Administrator
Thursday, 28 May 2009 00:00
100 Meter Dash: 1. Ashley Allen, BCHS, 2: Maria Allen, BCHS, 3: Maggie Royalty, Seymour and 4. Cora Carter, Salem High School.
200 Meter Dash: 1.Ashley Allen, BCHS, 2. Maria Allen, BCHS, 3. Cora Carter, Salem and 4. Kaylyn Rodewig, Eastern.
400 Meter Dash: Christina Moravec, Seymour, 2. Jenna Hackman, BCHS, 3. Patricia Moravec, Seymour and 4. Courtney Crane, BNL.
800 Meter run: Rachel Dalton, Eastern, 2. Victoria Oslo, BCHS, Katherine Moravec, Seymour and 4. Jamie Wehmiller, BCHS. Due to a girl being scratched, Ashley Malloy, Salem, who placed fifth advances to regional.
1600 Meter run: 1: Rachel Dalton, Eastern, 2: Taylor Royalty, Trinity Lutheran, 3. Ashley Mallow, Salem and 4. Hope Lockman, BCHS.
3200 Meter run: 1: Erika Wilson, Eastern, 2. Rachel Koeplin, Salem, 3. Olivia Hackman, BCHS, and 4. Kali Johnson, Salem.
100 Meter hurdles: 1. Erika Wilson, Eastern, 2. Rachel Koeplin, Salem, 3. Taylor Royalty, Trinity Lutheran and 4. Casey Gillespie, BNL.
300 Meters hurdles:1. Kali Johnson, Salem, 2. Devon Hardman, Mitchell, 3. Charlotte Ernst, Seymour, and 4. Leah Benefiel, Seymour.
4X 100 Meter relay:1. BCHS, Maria Allen, Ashley Allen,Sammie Bane, Emily Sommers, Jenna Hackman and Marie Wehmiller, 2. Seymour, Mackenzie Allman, Leah Benefiel, Amanda Harmeson, Maggie Royalty, Julie Nielsen and Jessica Wetzel. 3. Orleans, Whitney Daugherty, Taylor Daugherty, Katelyn Wilson, Olivia Smith, Gabriel Stalker and Danielle Sage, 4. Mitchell, Taylor Blackburn, Morgan Hall, Laura Cessna, Carly Kern, Cara Blackwell and Meghan Ray.
4X 400 Meter relay: Seymour, Leah Benefiel, Katherine Moravec, Patricia Moravec, Christina Moravec, Rosy Clemente and Alysha Otte, 2. BCHS, Ashley Allen, Sammie Bane, Jamie Wehmiller, Jenna Hackman, Emily Sommers and Haley Hackman, 3. Salem, Cora Carter, Lakin Thomas, Kali Johnson, Ashley Malloy, Erica Ewen and Tori Thompson, 4. BNL, Alexandra Anderson, Whitley Crane, Courtney Crane, Hanna Guthrie, Kayla Guthrie and Jessica Guthrie.
4X 800 Meter relay: 1. Eastern, Rachel Dalton, Erika Wilson, Emily Newcomb, Chelsea McNew and Louis Hosburgh,2. BCHS, Natalieeee Killey, Jamie Wehmiller, Destine Staley, Victoria Ollo, Hannah Maupin and Hope Lockman 3. Salem, McKenzie Acuff, Tori Thompson, Rachel Koeplin, Ashley Mallow, Shelbie Stephenson and McKenzie Burns, 4. Seymour, Katherine Moravec, Alysha Otte, Taylor Hays, Leah Moravec, Rosy Clemente and Christina Moravec.
High jump: Devon Hardman, Mitchell, 2. Allison Trevithick, Mitchell, 3. Amber Lucas, Crothersville and 4. Patricia Moravec, Seymour.
Pole Vault: 1. Sammie Bane, BCHS, 2. Alannah Moore, BNL, 3. Kirstyn Brott, Seymour and 4.Kayla Joseph, Seymour.
Long jump: 1. Maria Allen, BCHS, 2. Christina Moravec, Seymour, 3. Marie Wehmiller, BCHS and 4. Carly Kern, Mitchell.
Shot put: Bailey Lundy, Crothersville, 2. Deborah Adkins, Eastern, 3. Macy Marksberry, Seymour and 4. Brittany Bedwell, WWHS.
Discus throw: 1. Taylor Schultz, Seymour, 2. Brittany Bedwell, WWHS, 3. Shayna Abel, Seymour and 4. Sarah Jenkins, Seymour.
Team rankings: 1.BCH, Brownstown Central, 2. Seymour, 3. Mitchell, 4, Salem, 5. Eastern, 6. BNL, Bedford North Lawrence, 7. Crothersville, 8. Trinity Lutheran, 9. WWHS, West Washington High School, 10. Paoli, 11. Orleans and 12. Springs Valley.
Last Updated on Thursday, 28 May 2009 08:49
Continue to help spay and neuter pets by using your Kroger cards
Written by Administrator
Wednesday, 13 May 2009 00:00
"Although we are not offering total assistance in the spay/neuter program, as we have done in the past, we are paying $50 for female dogs, $30 for male dogs, $25 for female cats and $15 for male cats." We are also looking for grants to help supplement the cost of the program. We are allowing more time for people to use their spay/neuter voucher. The vouchers that are being distributed now, have until August 15 to use, that is double what we used to allow." stated Glenda
Last Updated on Wednesday, 13 May 2009 12:41
Armed Forces Night set for Friday, May 15 at Speedway
Written by Administrator
Wednesday, 13 May 2009 00:00
The evening of racing action also includes many fun-filled activities, including Exhibition Drags, Burnout Contest, special family pricing, prize giveaways and more.
Free admission to Armed Forces Night is being offered to all active and reserve U.S. Military Personnel with a valid military ID.
"This is our way of saying thank you to all of our brave men and women currently serving in the armed forces," said Salem Speedway general manager Richard Deaton.
Last Updated on Wednesday, 13 May 2009 12:49
Read more...
Salem Man Arrested for Domestic Battery with Serious Bodily Injury
Written by Administrator
Wednesday, 13 May 2009 00:00
In the late morning hours of Friday, May 8, Detective Andy Squier from the Indiana State Police Post at Sellersburg was called to the Washington County Hospital in Salem to investigate a battery. The battery had allegedly occurred earlier in the day at a residence on Cox Ferry Road in Washington County.
During Detective Squier's investigation he learned that a female was allegedly battered in the driveway of a residence located on Cox Ferry Road near Salem. The female was allegedly battered by Brian S. Cooper, 31, of Jackson Street in Salem. As the female was being battered a passerby on Cox Ferry Road saw the incident taking place and stopped. When the passerby stopped, Brian S. Cooper left the scene. When Cooper left the scene the passerby turned into a Good Samaritan and transported the female to the Washington County Hospital for treatment.
At approximately 1 p.m., Detective Andy Squier spoke to Brian S. Cooper. After Detective Squier talked with Cooper he placed him under arrest for Domestic Battery with Serious Bodily Injury, C Felony. Brian S. Cooper was incarcerated in the Washington County Jail.
After Detective Squier completed the arrest procedures he executed a search warrant with the assistance of the Washington County Sheriff's Department at the location of the battery on Cox Ferry Road. The search warrant was executed in an attempt to locate additional evidence.
This investigation is continuing.
Last Updated on Wednesday, 13 May 2009 12:52
More Articles...
New Air Board supports airport-speedway project
Inaugural Jinny Scifres Run 4 A Cause 5K a huge success
Many quilts and designs on display at the 2009 Quilt show
Safari Bike ride is back
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Very Good Recipes of Brunch from My Sweet and Savory
There are 9 Brunch recipes on the blog My Sweet and Savory. (184 on all the blogs)
Click on the title of a recipe or the photo of a dish to read the full recipe on its author's blog.
Recipes by date | Most popular recipes
Brunch Burritos By My Sweet and Savory 09/18/12 23:43 I have a bad habit of buying a product and then, can't use it up. I bought these corn tortillas and I have used them several times but still some remain. The package has too many, for me to purchase, for the two of us. I am now actively looking for recipes... Add to my recipe book
Let's Do Brunch - Baked Eggs on Mac & Cheese By My Sweet and Savory 01/24/12 21:00 I was looking through my old photos and came across these photos. I never posted this and it is a little different and a lot - delicious. Take two of your favorite dishes and put them together and what do you get? Baked eggs on macaroni and cheese. What... Add to my recipe book
Let's Do Brunch By My Sweet and Savory 01/18/12 00:28 April of the 21st Century Housewife is not able to continue sharing Let's Do Brunch. Looking at the positive side, I am happy for the time, she was able to be here and add her insights and ideas. If you ever need a partner, April is the gal. Since, we began... Add to my recipe book
Let's Do Brunch - Sweet and Tangy Salmon By My Sweet and Savory 01/11/12 19:39 Most people know that I like salmon and that I make it, on a regular basis. Most, even know, I make it differently, each and every time. A new cookbook, means to me, possibly a new salmon recipe. Let me introduce you to the salmon recipes in my new book,... Add to my recipe book
Let's Do Brunch - Blueberry Cornmeal Pancakes By My Sweet and Savory 01/04/12 05:36 I did it again. I thought Let's Do Brunch comes out tomorrow afternoon. As a result, I just posted the above recipe on Bizzy Bakes. I really don't like this photo and here I am, posting it, on two blogs. I just did not take any decent pictures and this... Add to my recipe book
Let's Do Brunch - Golden Latkes By My Sweet and Savory 12/29/11 19:07 Tonight is the first night of Chanukah and I changed my planned meal to one of latkes with a salad with dill dressing. It was a comedy of errors. First, I planned to make either cottage cheese or ricotta latkes which we serve with something sweet such as... Add to my recipe book
Let's Do Brunch By My Sweet and Savory 12/28/11 18:07 Having a week off from school, is a treat, but it muddles my thinking. As I went to sleep, last night, I thought to myself, set up, Let's Do Brunch, tomorrow afternoon for the next day (Thursday which I thought was Wednesday). Groan. Have you ever lost... Add to my recipe book
Let's Do Brunch By My Sweet and Savory 12/14/11 19:12 I am late, today, because of dinner. Not fair that dinner should interrupt our brunch but that is life. What a confusing evening. I started making out a specific meal, changed it when I found, I did not have the right pan to make it in, went to homemade... Add to my recipe book
Let's Do Brunch By My Sweet and Savory 12/08/11 03:54 I came home from work, ready to make dinner, and I remembered, Let's Do Brunch. I like to get it out, early so it will be convenient for those who participate. I just had fun, selecting the featured recipes. Each time, I go through the recipes, I choose... Add to my recipe book


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Sun 15 Dec 2013
Jade Rabbit Lands in the Bay of Rainbows
Posted by anaglyph under In The News, Robots, Science, Space, Technology
[16] Comments
No-one else is running with that headline, so I'm just doing my duty…
Yes, it's actually science.
16 Responses to " Jade Rabbit Lands in the Bay of Rainbows "
Science? You say?
I thought "Jade Rabbit Lands in Bay of Rainbows" was the title of new Asian erotic bestseller.
The Chinese fake moon landings with better color and resolution than we do.
This is so coooool!
Where is Ed Harris?
I wonder where Guenter Wendt?
Joey and I are still working out our plans for landing Jessica Rabbit on the moon.


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Definition of biz
- A Northern English expression for excrement, as in, "he is total biz."
Last edited on Aug 12 2011. Submitted by Anonymous on Aug 12 2011.
- busy.
She must be biz today because I haven't seen her at all.
- See more words with the same meaning: alternative spellings or pronunciations (list of).
- See more words with the same meaning: busy.
Last edited on Nov 21 2002. Submitted by Maurice J. from Fall River, MA, USA on Nov 21 2002.
- "business".
Citation from "Sin-Say-Shun Awards Afterparty", Party Down (TV), Season 1 Episode 5 blacked out to resolve Google's penalty against this site.
Citation from "Working Late and Working It", Up All Night (TV), Season 1 Episode 3 (2011) blacked out to resolve Google's penalty against this site.
- See more words with the same meaning: alternative spellings or pronunciations (list of).
- See more words with the same meaning: business (related to).
Last edited on Oct 25 2011. Submitted by Katie from IL, USA on Mar 12 2003.
|Add a definition for this slang term
More info:
Related words
Slang terms with the same meaning
Other terms relating to 'alternative spellings or pronunciations (list of)':
|Definitions include: acronym for "intuitively obvious to even the most casual observer."
|Definitions include: acronym for "I'm not an expert".
|Definitions include: acronym of "all fucked up."
|Definitions include: "nice".
|Definitions include: acronym for "pointy-haired boss".
|Definitions include: acronym for "I don't like you in that way".
|Definitions include: rude, crude, and "nerdy" at the same time.
|Definitions include: acronym of baby prostitute.
|Definitions include: acronym for "pretty damned quick" or "pretty darned quick", i.e. quickly.
|Definitions include: acronym for "Central Nervous System - Quantity Not Sufficient", an insulting notation used by doctors in the UK on medical charts.
|Definitions include: Short for Royal Canadian Mounted Police.
|Definitions include: "never mind".
|Definitions include: alternate spelling of "fanboy".
|Definitions include: acronym of "Also Known As."
|Definitions include: alternate spelling/pronunciation of "bitch.
Other terms relating to 'business (related to)':
|Definitions include: to share business details.
|Definitions include: a person hired for their expertise.
|Definitions include: to invent ideas and solutions, usually by coming up with as many as possible while not rejecting any out of hand.
|Definitions include: to hit.
|Definitions include: According to Oxford University Press Blog:
|Definitions include: the acquisition of one company by another, for the purpose of acquiring the employees more so than other aspects of the company's business.
|Definitions include: a meeting.
|Definitions include: an unenthusiastic worker, especially in an office setting.
|Definitions include: the pursuit of money.
|Definitions include: shortened form of "business."
|Definitions include: acronym for "work from home" or "working from home".
|Definitions include: to do nothing of value.
|Definitions include: a request.
|Definitions include: a person who provides illegal drugs.
|Definitions include: the busy, hectic modern urban lifestyle.
Other terms relating to 'busy':
|Definitions include: to lower a car's springs.
|Definitions include: busy.
|Definitions include: very busy.
|Definitions include: See on (one's) plate.
|Definitions include: overloaded with work.
Slang terms with the same root words
Other terms relating to 'biz':
|Definitions include: "bank".
|Definitions include: a firearm.
How common is this slang?
|I use it
|No longer use it
|Heard it but never used it
|Have never heard it
How vulgar is this slang?
Average of 21 votes: 38% (See the most vulgar words.)
|Least vulgar
|Most vulgar
Your vote: None (To vote, click the pepper. Vote how vulgar the word is – not how mean it is.)
|Least vulgar
|Most vulgar
Where is this slang used?
Logged-in users can add themselves to the map. Login, Register, Login instantly with Facebook.
Link to this slang definition
To link to this term in a web page or blog, insert the following.
biz
To link to this term in a wiki such as Wikipedia, insert the following.
[http://onlineslangdictionary.com/meaning-definition-of/biz biz]
Some wikis use a different format for links, so be sure to check the documentation.


text:
DCU Opinion Number 01-1
Date: January 16, 2001
From: Parker Cann, Director
Subject: State Credit Unions May Issue Shares to and Receive Deposits from Members in the Form of Revocable Living Trust Accounts
The question has arisen whether Washington state chartered credit unions (state credit union) may issue shares to and receive deposits from members in the form of "revocable living trust accounts."
We understand that a revocable living trust account typically involves the same individuals as grantors and trustees, with third parties as beneficiaries. We assume for the purpose of this opinion that the grantors/trustees and the beneficiaries are all members of the credit union.
The Washington Credit Union Act, Chapter 31.12, and the Financial Institution Individual Account Deposit Act, Chapter 30.22, authorize state credit unions to issue shares to and receive deposits from members in the form of a trust account. RCW 31.12.402(1); RCW 31.12.416(1); RCW 30.22.050(5).
In addition, state credit unions may exercise any power or authority conferred as of December 31, 1993 on a federal credit union. RCW 31.12.404. Federal credit unions may accept shares/deposits in the form of revocable trust accounts, termed "testamentary accounts," or any similar account which evidences an intention that the funds shall pass on the death of the owner of the funds to a named beneficiary. 12 C.F.R. 745.4 (1993).
Share/deposit insurance
Recent news articles have made living trusts hugely popular. However, insurance coverage on them is not well understood. For additional guidance on deposit insurance of revocable living trust accounts, see NCUA legal opinion letters, available on the NCUA website at www.ncua.gov. From the NCUA website, go to reference information, then legal opinion letters; then click "search" and type in "living trusts" or "revocable trusts".
For your quick reference, I have provided three examples of NCUA legal opinion letters on revocable trusts. NCUA's opinion letter 99-0208 answers insurance coverage questions about a hypothetical revocable living trust account for husband and wife as co-grantors and co-trustees. NCUA's opinion letter 97-0539 explains insurance coverage if the credit union knows the beneficiary's names and degree of kinship to the member, and goes on to suggest credit unions require sufficient documentation as to who can withdraw and pledge funds in the account, the credit union's need to know of any changes to the requested account information, and a legal opinion from the drafting attorney of the trust that the trust is revocable under state law. In addition, NCUA's opinion letter 00-0943 provides guidance on share insurance coverage if the living trust includes a defeating contingency that is related to the beneficiary's interest in the trust assets.
We conclude that a state credit union may issue shares to and receive deposits from members in the form of a revocable living trust account.
However, we strongly encourage credit unions to seek the advice of knowledgeable counsel regarding the form of the contract of deposit as well as any tax or trust issues.
DCU Opinion Number 01-2
Date: February 13, 2001
From: Parker Cann, Director
Subject: A State Credit Union May Accept Federal Public Funds, But May Not Accept State Public Funds
The question has arisen whether Washington State-chartered credit unions (state credit unions) may accept federal and state public funds.
Federal Public Funds
We have concluded previously that state credit unions may serve as US Treasury tax and loan depositories and depositories of federal taxes under 31 C.F.R. Section 203.3(b) and applicable Treasury Department regulations. See our Opinion O-96-11.
We will next address the acceptance of other federal public funds. Washington State-chartered credit unions operate under Chapter 31.12 of the Revised Code of Washington (RCW), and the Division of Credit Union's (DCU's) implementing rules set forth in the Washington Administrative Code (WAC). Chapter 31.12 RCW and DCU's WACs do not specifically authorize state credit unions to accept federal (or state) public funds.
However, state credit unions have, among other powers, all the powers and authorities possessed by federal credit unions (FCUs) as of December 31, 1993. RCW 31.12.404(1). By rule, the Division may grant state credit unions the powers and authorities granted to federal credit unions after that date. RCW 31.12.404(2). The Division does not currently have any rules adopting more recent federal powers.
In general, a state credit union may exercise FCU powers as of December 31, 1993, even if other provisions of state law (e.g., other sections of Chapter 31.12 RCW) provide to the contrary. The effect here is as if the year-end 1993 FCU powers are written into Chapter 31.12 RCW.
When exercising a FCU power, a state credit union must also comply with the restrictions under NCUA's FCU rules that specifically apply to the exercise of that power. RCW 31.12.404. These FCU restrictions only apply by virtue of the parity provision if the state credit union is exercising the FCU power.
Consequently, in our analysis of this issue, we must look to the Federal Credit Union Act (FCUA) and NCUA's rules applicable to FCUs. FCUs may receive payments on shares from federal public units and federal political subdivisions. The maximum amount of all federal public funds plus any nonmember shares is limited to 20% of the total shares of the FCU's or $1.5 million, whichever is greater. "Shares" are defined as regular shares, share certificates, and share draft accounts. 12 U.S.C. 1757(6) (FCUA) and 12 C.F.R. 701.32 (NCUA's rules). For purposes of a state credit union exercising this parity power, "shares" would also include deposits.
Before accepting any public funds or nonmember shares in excess of 20% of total shares, the FCU board must adopt a specific written plan and submit a request to the NCUA in accordance with 12 C.F.R. 701.32(2) and (3).
Therefore, we conclude that state credit unions may receive deposits or payments on shares from federal public units and federal political subdivisions up to the limit of 20% of total shares and deposits. A state credit union desiring to exceed that level may not do so without DCU's prior written approval.
State Public Funds
Chapter 39.58 RCW is the statutory scheme for the deposit of state or local public funds. Such funds must be deposited in public depositaries. RCW 39.58.080. Credit unions are excluded from the definition of "public depositary." RCW 39.58.010(2).
Therefore, we conclude that state credit unions may not receive deposits or payments on shares from state or local government agencies.
We conclude that a state credit union may receive deposits and payment on shares from federal public units and federal political subdivisions up to the limit of 20% of total shares.
We conclude that a state credit union may NOT may receive deposits and payment on shares from state or local government agencies.
DCU Opinion Number 01-3
Date: February 22, 2001
From: Parker Cann, Director of Credit Unions
Subject: Summary of Major Differences Between Washington's MBL Rule (As Approved by NCUA Board) and NCUA's MBL Rule
1. Definition of MBL clarified
Section 208-460-010(1)
One of the key components of an MBL has been slightly changed here - from how the borrower "uses" the proceeds for specified purposes to how the borrower "intends to use" the proceeds for such purposes. I expect that this more closely reflects reality - that most credit unions actually look at what the borrower says he/she/it intends to do with the proceeds rather than monitoring the use of proceeds to determine after the fact whether they were actually used for business purposes.
2. Exemption from MBL definition clarified
Section 208-460-010(2)
The exemptions here should apply only to loans for commercial, corporate, etc. purposes (what the rule refers to as "business purpose" loans). Otherwise the loans would not need an exemption. Wording has been added to (2) to clarify this issue. "Business purpose" is defined in the definitional section at the end.
In addition, the changes make it clearer that a credit union must aggregate all business purpose loans to member A with any individual business purpose loans to other members who are associated with member A in order to determine if the business purpose loans exceed the $49,999 threshold.
In some places, the NCUA MBL rule refers to the "outstanding balance" of an MBL and in some places it refers to the "outstanding balance including unfunded commitments." In order to clarify this issue, the rule identifies the outstanding balance and unfunded commitments as the "amount" of an MBL, to distinguish it from the "outstanding balance" of an MBL. A definition has been added in the definitional section for the "amount" of an MBL. In the context of this section - exemptions from the definition of MBL – it is appropriate to use the "amount" concept, and the changes so provide.
The sentence added at the end of paragraph (2)(c) incorporates an NCUA interpretation.
3. Restrictions on MBL to directors expanded
Section 208-460-020(3)
It is more appropriate for these requirements to apply to MBL to all directors, not just MBL to compensated directors, and the changes reflect this. Consequently, the Washington rule is more restrictive in this respect than the NCUA rule.
4. Regulatory decision-maker on waivers changed
Section 208-460-030(1)
DFI's Director is named in the rule as the decision-making regulator on MBL waivers, instead of NCUA's Regional Director. (As you know, the DFI Director has delegated such authority to the Director of Credit Unions.) The one exception here is on waivers of the NCUA's appraisal requirements in 722.3 – the decision-maker remains NCUA's Regional Director. Consequently, except for an appraisal waiver request, all requests will be approved/disapproved by the Division after consulting with NCUA's Region VI on the request. See also 208-460-090 and -100.
In regard to existing waivers, the Division has determined to grandfather MBL waivers previously granted by the NCUA, to the extent that they are still operative. Some may not be operative, in whole or in part, because the Division's MBL rule is less restrictive in certain respects than the NCUA's MBL rule.
5. Required equity on development/construction loans decreased; required experience increased
Section 208-460-030(2), (4)
The rule reduces the minimum required equity from 35% to 30% for land development loans and from 35% to 25% for construction or combination development/construction loans. We view these equity requirements as LTV requirements.
As an offset to these changes, the rule increases the experience requirement from 2 to 5 years of direct experience with development/construction lending, for credit unions that do this type of lending. Consequently, the Washington rule is more restrictive in this respect than the NCUA rule.
6. Requirement for individual with direct experience on MBL clarified
Section 208-460-040
The rule has been changed to reflect that the MBL-experienced person is working for the credit union, not necessarily the Board of Directors.
The exception added at the end of the second sentence refers to the requirement in the prior section that if the credit union does development and construction lending, it must utilize a person with more than 5 years direct experience in this type of lending.
7. Reference to "category or type" of MBL clarified
Section 208-460-050
In some places the NCUA rule uses "category or type" and in some places it uses one word, either "category" or "type." To avoid confusion, the rule uses "type" in these situations throughout the rule.
8. Requirement for MBL policies clarified
Section 208-460-050(14)
This subsection was added to require credit unions to adopt policies on MBL participations if they engage in that activity. In addition, a sentence was added at the end of the section as a regulatory recognition that every provision of the policy may not apply to every MBL.
9. New type of unsecured MBL allowed
Section 208-460-060(1)(b)
A new exception was added in paragraph (1)(b) to allow unsecured loans that individually do not exceed $100,000 and that in the aggregate do not exceed 10% of net worth. The credit union cannot make such loans if its net worth is below 7%. Credit unions making this type of MBL (referred to below as (1)(b) loans) must file supplemental reports with their 5300s to demonstrate compliance with the requirements of (1)(b).
The supplemental reports should include relevant figures for (1)(b) loans, including, as of the end of the reporting period:
- The number of these loans outstanding
- The aggregate commitment amount for these loans
- PCA net worth
- B/D expressed as a percentage
- Delinquency on these loans
- Charge-offs YTD on these loans
The reports will be due with 5300s, starting with the 5300 for the second quarter of 2001. Credit unions do not need to file the reports if they do not have any (1)(b) loans outstanding. The reports may be in a letter format.
The first exception in 208-460-060(1)(a) is merely a restatement of the existing exception for credit card LOCs in the NCUA rule.
10. Minimum LTV ratios clarified
Section 208-460-060(2), (3), (4)
The NCUA rule uses a matrix to set forth loan-to-value requirements. I felt that the matrix was confusing and have restated the LTV requirements of the matrix in the narrative in subsections (2), (3) and (4). I did not intend to change the effect of these LTV requirements – only to restate them in more understandable form.
Subsection (2) deals with a first lien only situation; (3) deals with a second (or lesser) priority lien only situation; (4) deals with multiple priority liens on the same collateral.
11. Personal guarantee requirement eliminated
Section 208-460-060
The personal guarantee requirement has been deleted in its entirety.
12. The term "associated members" clarified
Section 208-460-070
Use of the term "group of associated members" was somewhat confusing in the NCUA's MBL rule. It appears that the purpose of the NCUA provision is to apply the MBL-to-one-borrower limit to the aggregate of a member's MBL and any MBL to individuals who are associated with the member. I believe it is clearer to refer to MBL to "associated members" rather than MBL to a "group of associated members" in this respect and the rule has been so changed. The latter wording implies that only MBL to the group or entity of associated members would be aggregated with the member's MBL.
13. Aggregate state MBL limit added
Section 208-460-140(2)
Wording was added to establish a state MBL limit - 3 times net worth - for those credit unions excepted from CUMAA's aggregate MBL limits. Such a restriction does not exist in the NCUA's MBL rule. Consequently, the Washington MBL rule is more restrictive in this respect than the NCUA rule.
14. Aggregate limit exception for LICUs and CDCUs made automatic
Section 208-460-150(1)
The exception for LICUs and Community Development Credit Unions is automatic with notice to DFI's Director.
15. Definitions added, clarified
Section 208-460-170
New definitions were added to:
- Clarify the "amount" of an MBL
- Define "business purpose"
- Clarify "development or construction loan"
- Clarify "loan-to-value ratio"
- Clarify when one person is "associated" with another
DCU Opinion Number 01-4
Date: May 24, 2001
From: Parker Cann, Director of Credit Unions
Subject: Credit Unions May Use Electronic Voting Methods To Elect Directors and Supervisory Committee Members, As Permitted By Their Bylaws
Can Washington State-chartered credit unions (credit unions) use electronic devices (i.e., the telephone and internet) to conduct member voting to elect directors and supervisory committee members? If so, when may the election results be announced?
The Washington State Credit Union Act (CU Act) requires credit union members to elect directors and supervisory committee members at the annual membership meeting. RCW 31.12.225(2) and RCW 31.12.326. Although the CU Act is silent on the use of electronic voting methods, it does provide:
Members may vote, as prescribed in the credit union's bylaws, by mail ballot, absentee ballot, or other method. However, no member may vote by proxy.
RCW 31.12.386(2). Clearly, the CU Act contemplates that credit unions may use a variety of voting methods, as prescribed in their bylaws. The outside limitation is that members may not vote by proxy. We believe that electronic voting is clearly one of the methods of voting permitted by the CU Act.
I understand that federally-chartered credit unions may adopt electronic member voting. See Option A4 to Article V of the NCUA's model Federal Credit Union Bylaws. These Bylaws can be found on the NCUA web site at www.ncua.gov. From the NCUA homepage, select "Reference Information" and then "Federal Credit Union Bylaws."
Sections 1 and 2 of Option A4 contain very specific procedures on how the electronic voting must be conducted. Credit unions wishing to use electronic voting should adopt detailed voting procedures in their bylaws. RCW 31.12.185(1). We strongly recommend that such credit unions follow the procedures specified in Sections 1 and 2 of Option A4.
If a credit union uses electronic voting, when may the results of the election be announced? Because of the requirement in the CU Act that members elect directors and supervisory committee members at the annual membership meeting, we believe that the results of the voting must be verified and announced at the annual meeting, and no sooner.
A credit union may use electronic voting methods to elect directors and supervisory committee members, as specified in its bylaws. The results of the voting must be verified and announced at the annual membership meeting, and no sooner.
DCU Opinion Number 01-5
Date: June 4, 2001
From: Parker Cann, Director of Credit Unions
Subject: Bond Coverage Which Meets Minimums Established in NCUA Rules Is Generally Adequate Under Washington State Credit Union Act
How much bond coverage is required for Washington State-chartered credit unions (credit unions)?
The Washington State Credit Union Act (CU Act) requires credit unions to be adequately insured against risk, and requires each director, officer, committee member, and employee of a credit union to be adequately bonded. RCW 31.12.367(1). In addition, credit unions must also satisfy minimum bond and insurance coverage provisions in Part 713 of NCUA rules. See NCUA rules at Section 741.201. For example, Part 713 requires at least $5 million in bond coverage for credit unions with total assets over $295 million. In general, we view bond and insurance coverage in compliance with the NCUA rules to be adequate under the CU Act.
However, each credit union should determine whether the required minimum bond and insurance coverage is sufficient to adequately insure against the risk in its operations.
The Division of Credit Unions (Division) may as a matter of safety and soundness require additional bond or insurance coverage when the Division determines that a credit union's current coverage is inadequate. For example, the Division may require a credit union with significant weaknesses in compliance with consumer protection laws to purchase an endorsement for coverage in this area.
Credit unions must have as a minimum the bond and insurance coverage set forth in Part 713 of NCUA's rules. However, a credit union should determine what amount of bond and insurance coverage is adequate to cover its risk.
DCU Opinion Number 01-06
Date: August 3, 2001
From: Parker Cann, Director of Credit Unions
#1 Non-US Citizens In A Credit Union's Field of Membership May Join The Credit Union
#2 Credit Union CUSOs May Serve Non-Member IRnet Customers, Subject to RCW 31.12.436(8)
Issue #1
Can an "undocumented" individual who is within the field of membership (FOM) of a Washington State-chartered credit union (credit union) join the credit union?
Chapter 31.12 RCW and the Division's rules set forth in Title 208 WAC do not specifically address this issue. However, RCW 31.12.404 grants credit unions all the powers and authorities that federally-chartered credit unions (FCUs) had on December 31, 1993, or on a subsequent date no later than July 22, 2001.
By letter dated December 17, 1988, the Office of General Counsel confirmed that a non-citizen who is within an FCU's FOM may be a member of the FCU. I understand that the NCUA reaffirmed this opinion in February 2001. See "Guidance On Serving Undocumented Individuals," dated April 2001, by the World Council of Credit Unions (WOCCU). I have assumed that a non-US citizen is the same as an undocumented individual.
Yes, non-US citizens within a credit union's FOM may join the credit union.
Issue #2
Can a credit union service organization (CUSO) serve non-member IRnet customers?
I understand that IRnet, or International Remittance Network, was set up by WOCCU in order to provide a safe and inexpensive method for consumers to send money to family members
Under RCW 31.12.436(8), a credit union may invest certain amounts in a CUSO whose primary purpose is to strengthen, advance, or provide services to:
- The credit union industry; or
- Credit union members.
We have determined that the term "primary," as used in RCW 31.12.436(8), has the same meaning as the term "primarily" is defined in RCW 31.12.005(20). Consequently, we have determined that the term "primary" means over one-half.
Serving non-members may not satisfy the primary purpose test (strengthening, advancing, providing service to the industry or members). However, as long as over half of the CUSO's overall activity satisfies this test, the CUSO may engage in other activities, such as serving non-members through IRnet.
Yes, a credit union's CUSO may serve non-member IRnet customers as long as the CUSOs activities overall comply with the investment limits and satisfy the "primary purpose" requirements of RCW 31.12.436(8).
DCU Opinion Number 01-7
Date: September 19, 2001
Prepared by: Parker Cann, Director
DCU Summary of
HB 1366 (Chapter 83, Laws of 2001), amending
Washington State Credit Union Act,
Chapter 31.12 RCW,
Washington State Corporate Credit Union Act,
Chapter 31.13 RCW
Effective July 22, 2001
Table of Contents
Business loan…………………………………………….5
Capital Consumer loan CUSO Membership share Net worth Operating officer Out-of-state credit union Senior operating officer (new term) Small credit unions (new term)..…………………….6
Corporate Governance
Bylaw requirements…...……………………………..7
Articles of incorporation of new credit union
Amendments to Articles
Amendments to Bylaws
Board vacancies
Regular board meetings
Automatic termination of director for absence
Notice of automatic termination of director
Operating officers and employees on board…………………..….8
Board duties – deletion of unnecessary wording
Board duties - budgets
Board duties – delegation of duties
Fiduciary duties of officers
Automatic termination of Supervisory Committee members for absence
Notice of automatic termination of Supervisory Committee member
Qualifications for Supervisory Committee members
Supervisory Committee chair
Vacancies on Supervisory Committee…………………………...…….9
Frequency of Supervisory Committee meetings
Supervisory Committee duties
Director compensation
Loans to Supervisory and Credit Committee members
Bond and insurance requirements
Powers of Credit Unions
Power of credit unions to sell insurance……………………………10
Dormant account determination
Parity powers
Low-income credit unions
Loan rules……………………………….……………………11
Preference for consumer loans
Loans-to-one-borrower limit
Limit on investments-to funds in excess of loans….…..12
CUSO investments/loans
Mergers, Conversions, and Voluntary Liquidations
Discharge of debts in a merger of Washington Credit Unions 13
Effective date of mergers of Washington Credit Unions
Mergers of Washington credit unions into federal, out-of-state or foreign credit unions
Mergers of out-of-state, federal or foreign credit unions into Washington credit unions
Foreign and out-of-state credit unions operating a branch in Washington
Requirements for foreign and out-of-state credit unions to operate a branch in
FOM and deposit insurance requirements for foreign and out-of-state credit unions
operating a branch in Washington
Fee authority for out-of-state and foreign credit unions 14
Member approval of voluntary liquidation
Examination and Supervision
WCUSGA references 15
Director's authority to require compliance
Regulatory relief for small credit unions
Requirements for non-federally insured credit unions
Fee authority
Director's access to records and authority to revalue investments
Director's authority to require reserves or require charge-offs
Director's authority to examine and investigate certain parties
Director's access to books and records of out-of-state and foreign credit unions, and
certain other parties
Director's authority to administer oaths and issue subpoenas 16
Compliance with GAAP
Notice of intent to operate branch
Director's removal authority
Enforcement hearings
Cease and desist (C&D) orders
Temporary C&D orders
Notice of permanent order
Credit union action to enjoin temporary order
Director action to enjoin violation of temporary order 17
Application of APA
Corporate credit unions 18
Decodification of RCW 31.13.900 19
Severability provision
DCU Summary of HB 1366 (Chapter 83, Laws of 2001)
Effective July 22, 2001
DCU's 2001 Departmental Request bill, HB 1366, took effect on July 22, 2001. The following is a summary of the significant revisions of the bill, identified by page and line number. A copy of the bill is also enclosed for your convenience.
Please note that the bill did not revise every section of the Credit Union Act, Chapter 31.12 RCW.
If you have questions about the provisions of the bill, please feel free to contact Parker Cann at the Division, at (360) 902-8778 or email@example.com.
Page 2; lines 1-17: The definition of "branch."
We intended the changes to clarify, rather than change, the definition of "branch." A credit union's facility is not a branch unless it meets all three criteria set forth in subsection (3)(a), (b) and (c).
For example, an office or facility of Credit Union A is not a "branch" of Credit Union A unless all three of the following criteria are satisfied:
- The facility is a staffed, physical facility. This rules out the Internet, the mail and the phone system as somehow constituting a branch. However, this criterion is satisfied whether or not the staff at the facility is staff of Credit Union A.
- The facility is owned or leased in whole or in part by Credit Union A or its CUSO. An accommodation arrangement or other sharing arrangement between Credit Union A and another credit union to take deposits or allow withdrawals for Credit Union A's members at the other credit union's office or facility does not satisfy this criterion, unless Credit Union A or its CUSO leases the facility, in whole or in part.
- Deposits and withdrawals may be made to/from Credit Union A, or shares purchased from Credit Union A, through staff at the facility. This rules out ATMs and other facilities where loans are originated but no deposit or share business is done in person. However, this criterion is satisfied whether or not the staff at the facility is staff of Credit Union A.
Page 2; lines 18-19: The definition of "business loan."
The definition is no longer needed – the term is defined by Division rules. See WAC 208-460-010 (revised effective June 1, 2001).
Page 2; lines 21-23: The definition of "capital."
The allowance is actually for loan and lease losses, and the changes reflect this fact.
The definition of capital has been amended to include other Director-approved forms of capital. However, until the National Credit Union Administration (NCUA) amends its Prompt Corrective Action (PCA) rules to include other forms of capital in the definition of net worth, such other forms of capital will not count as net worth for PCA purposes.
Page 2; lines 24-25: The definition of "consumer loan."
The definition is no longer needed because the term has been deleted from Chapter 31.12 by the bill.
Page 2; line 31: The definition of "CUSO."
For completeness, the changes add credit union service organizations (CUSOs) of foreign credit unions to the definition of a CUSO.
Page 3; lines 30-31: The definition of "membership share."
The changes clarify the definition to reflect that credit union members are not required by statute to purchase a membership share.
Page 3; line 33: The definition of "net worth."
The changes conform to the term used in the Federal Credit Union Act (FCUA) – "net worth."
Page 3; lines 35-36: The definition of "operating officer."
The changes clarify the definition of "operating officer."
Page 4; line 6: The definition of "out-of-state credit union."
The changes clarify the definition to include credit unions operating under the laws of US possessions.
Page 4; lines 11-13: A new defined term - "senior operating officer."
The changes add this new definition. The fiduciary duties of senior operating officers are recognized by Section 9 of the bill.
Page 4; lines 14-15: A new defined term – "small credit unions."
As defined, "small credit unions" are those with up to $10 million in assets. Section 26(3) of the bill allows the Director to provide appropriate regulatory relief for small credit unions.
Corporate Governance
Page 5; line 11: Bylaw requirements.
The changes delete the requirement that the bylaws address duties of board officers. There is no compelling regulatory reason for such a requirement. Credit unions may decide in their discretion whether to spell out such duties in their bylaws. Of course, board officers will have duties normally associated with their office if they are not detailed in the bylaws.
Page 6; lines 6-9: Articles of incorporation of new credit union.
The changes give the Director greater discretion to give start-up credit unions extensions of time to begin conducting business.
Page 6; lines 15-22: Amendments to Articles.
The changes improve the organization of the section by moving a sentence up from the second subsection, and clarify that articles amendments take effect on filing by the secretary of state.
Page 6; lines 29-33: Amendments to Bylaws.
The changes clarify the wording in regard to board approval of bylaw amendments other than field of membership amendments, consistent with the section on articles amendments (see Section 4 of the bill).
Page 7; lines 13-17: Board vacancies.
The changes:
- Clarify that an interim director appointed to fill a vacancy created by expansion of the board will serve until the next annual meeting, consistent with Division interpretation.
- Make the section consistent with the section on supervisory committees (see Section 10 of the bill).
Page 7; lines 20-21: Regular board meetings.
The changes clarify the meaning of the term "regular board meetings."
Page 7; lines 27-32: Automatic termination of director for absence.
The changes clarify the provision for automatic termination of a director. Unless excused, a director shall no longer serve if he or she misses 4 regular meetings in a 12 month period during the director's term, consistent with Division interpretation. The changes are consistent with the section on supervisory committees (see Section 10 of the bill).
Page 7; lines 33-36: Notice of automatic termination of director.
The changes provide that the board secretary is responsible to provide notice to a director whose term is automatically terminated because of absence. The failure to provide notice does not affect termination. The changes are consistent with the supervisory committee provision in Section 10 of the bill.
Page 8; lines 4-7: Operating officers and employees on board.
The changes clarify that operating officers and employees cannot form a majority of the board, consistent with Division interpretation.
Page 8; lines 22-23: Board duties – deletion of unnecessary wording.
The changes delete unnecessary wording about automated loan approval programs. Of course, credit unions may still utilize automated loan approval programs.
Page 8; line 28: Board duties - budgets.
The two terms used in the prior wording of the section, "budget" and "financial plan," were intended to encompass the same thing. "Budget" is the recognized term and should be used here. The Division appreciates that adequate budgets may vary in complexity, depending on the nature of a credit union's operation.
Page 8; line 34: Board duties – delegation of duties.
The changes confirm that the board must carry out the duties listed in subsection (2) unless it has delegated them.
Page 9; lines 13 and 19: Fiduciary duties of officers.
The changes provide that senior operating officers, not just board officers, have fiduciary responsibilities, consistent with the common law and Division interpretation.
Page 9; lines 30-34: Automatic termination of Supervisory Committee members for absence.
The changes provide that supervisory committee members that miss over 1/3 of the committee meetings in a 12 month period during their term without being excused shall no longer serve on the committee. This is an automatic termination, consistent with the section on director absences (see Section 7 of the bill).
Page 9/lines 35-36 and page 10/lines 1-2: Notice of automatic termination of Supervisory Committee member.
The supervisory committee is responsible to provide notice to a committee member whose term is terminated because of absence. The failure to provide notice does not affect termination. This is consistent with the section on director absences (see Section 7 of the bill).
Page 10; lines 3-6: Qualifications for Supervisory Committee members.
The changes require supervisory committee members to be natural persons and members of the credit union, consistent with the section on directors (see Section 7 of the bill).
Page 10; lines 7-8: Supervisory Committee chair.
The changes provide that the chair of the supervisory committee cannot serve as an officer of the board, in order to eliminate this type of conflict of interest.
Page 10; lines 11-13: Vacancies on Supervisory Committee.
The changes provide that interim supervisory committee members appointed to fill a vacancy created by expansion of the committee may serve until the next annual meeting, consistent with the section on director vacancies (see Section 6 of the bill).
Page 10; line 28: Frequency of Supervisory Committee meetings.
The changes delete unnecessary wording that the supervisory committee will meet as often as necessary.
Page 10; lines 31-34: Supervisory Committee duties.
The changes make the section consistent with preemptive NCUA rules on supervisory committee duties.
Page 11; line 9-11: Director compensation.
The changes improve the organization of the section and confirm Division interpretation that credit unions may provide insurance coverage for directors if the coverage is available to employees generally.
Page 11; line 16: Loans to Supervisory and Credit Committee members.
The changes limit the reach of these conflict of interest provisions, requiring loans to directors and supervisory and credit committee members to be on no more favorable terms and conditions than loans to members generally, consistent with Division rules at WAC 208-444-030.
Page 11; lines 21-29: Bond and insurance requirements.
The changes make the section consistent with preemptive NCUA insurance rules on bond coverage.
Powers of Credit Unions
Page 13; lines 1-8: Power of credit unions to sell insurance.
The changes allow credit unions to sell additional types of insurance to their members, if other state-chartered institutions can do so, subject to the same regulatory requirements. For example, see FDIC rules at 12 C.F.R. Part 343.
Page 13; line 11: Dormant account determination.
The changes eliminate the requirement that the board make the dormancy determination. There is no compelling regulatory reason for such a requirement. Credit union boards may decide in their discretion whether the board or an officer or employee should set policy on dormancy.
Page 13; lines 34-37 and page 14/lines1-19: Parity powers.
The changes:
- Provide parity with federal credit unions as of December 31, 1993, or a subsequent date no later than July 22, 2001. Credit unions may choose which date to use for parity purposes.
- Authorize the director to grant powers and authorities that federals have in the future (after July 22, 2001), upon a finding by the Director. The prior version of this section required the grant to be made through a rule making by the Director. The process of making a finding is more informal and expeditious.
- Add parity with out-of-state, state credit unions operating a branch in Washington, upon a finding by the Director. However, Washington credit unions must still have federal share insurance (or equivalent) under RCW 31.12.408, and are not granted the field of membership powers or authorities of out-of-state credit unions.
Page 14/lines 29-37 and page 15/lines 1-19: Low-income credit unions.
This new section 16 provides for the designation of low-income credit unions, subject to rules of the Director. The Section 16 criteria for such designation are less onerous than the NCUA criteria for such designation. Section 16 provides incentives for credit unions to seek such a designation – the ability to issue secondary capital, for example.
Page 15; line 26: Loan rules.
The changes make it clear that all loans, whether consumer or business loans, may be subject to rules of the Director. At the present time, the Director has adopted rules on member business loans (see Chapter 208-460 WAC), but has not adopted rules generally on other types of loans.
Page 15; lines 31-34: Preference for consumer loans.
The changes eliminate the preference for consumer loans and small consumer loans. It was not clear how the preference should be applied.
Page 16; lines 2-3: Loans-to-one-borrower limit.
The changes clarify the wording of the section – the loans-to-one-borrower limit applies to all types of loans.
Page 16; line 11: Limit on investments-to funds in excess of loans.
The changes eliminate ambiguous wording that limits investments to funds "in excess of loans." It was not clear how the quoted phrase should be applied.
Page 17; lines 7-25: CUSO investments/loans.
The changes:
Mergers, Conversions, and Voluntary Liquidations
Page 19; lines 5-7 Discharge of debts in a merger of Washington credit unions.
The changes clarify the discharge of debts in a merger of Washington credit unions.
Page 19; lines 11-15: Effective date of mergers of Washington credit unions.
Consistent with Division interpretation, the changes establish that when two Washington credit unions merge, the merger will be considered legally effective when:
- The 30 day creditor claim period and any other regulatory waiting periods have expired; and
- The Articles of Merger are filed by the Secretary of State.
Similar effective date provisions were added to Sections 22 and 23 of the bill, regarding:
- The merger or conversion of Washington credit unions into federal, out-of-state or foreign credit unions (Section 22 - see page 20/lines 1-6).
- The merger or conversion of federal, out-of-state or foreign credit unions into Washington credit unions (Section 23 - see page 20/lines 27-32).
Page 19; lines 18-35: Mergers of Washington credit unions into federal, out-of-state, or foreign credit unions.
The changes expand the section to cover Washington credit union mergers into federal, out-of-state, or foreign credit unions. The changes require the board secretary, rather than the board itself, to certify member approval of the transaction.
Page 20; lines 14-19: Mergers of out-of-state, federal or foreign credit unions into Washington credit unions.
The changes expand the section to cover mergers where an out-of-state, federal or foreign credit union is merging into a Washington credit union.
Page 21; lines 5-6: Foreign and out-of-state credit unions operating a branch in Washington.
The changes eliminate confusion between a foreign or out-of-state credit union "doing business" and "operating a branch" here and make it clear that the trigger for requiring prior Director approval is "operating a branch" in Washington.
Page 21; lines 9-37: Requirements for foreign and out-of-state credit unions to operate a branch in Washington.
The changes delete "applicant" and substitute "credit union," because some of the requirements apply on an ongoing basis, not just at the time of application.
Page 21; lines 26-30: FOM and deposit insurance requirements for foreign and out-of-state credit unions operating a branch in Washington.
The changes confirm that out-of-state and foreign credit unions that operate a branch here are subject to:
- Washington's field of membership laws; and
- Other Washington laws as determined by the Director.
Page 22; lines 32-34: Fee authority for out-of-state and foreign credit unions.
The wording is deleted because all of the Director's fee authority is consolidated in Section 26 of the bill.
Page 22; line 37: Member approval of voluntary liquidation.
The changes correct the error – the reference should be to a member meeting, not a board meeting.
Examination and Supervision
Page 24; lines 2, 12, 21 and 30: WCUSGA references.
The changes delete reference to Chapter 31.12A, the WCUSGA Chapter that was repealed on December 31, 2000.
Page 24; lines 4-7: Director's authority to require compliance.
The changes eliminate the mandate that the Director require credit unions to comply with applicable laws outside Chapter 31.12.
Page 24; lines 15-18: Regulatory relief for small credit unions.
The changes allow the Director to provide regulatory relief for small credit unions.
Page 24; lines 23-27: Requirements for non-federally insured credit unions.
The changes require nonfederally insured credit unions to comply with safety and soundness requirements of the Director.
Page 24; lines 29-31: Fee authority.
The changes clarify that the Director may charge fees to persons that may be examined or investigated by the Division (which includes EDP providers), and to parties that the Division contracts its services to (such as other Divisions or other agencies).
Page 25; lines 5-10: Director's access to records and authority to revalue investments.
The changes allow the Director access to credit unions' records, and allow the Director to revalue a credit union's investments. These changes are consistent with the state thrift and bank statutes.
Page 25; lines 11-12: Director's authority to require reserves or require charge-offs.
The changes authorize the Director to require credit unions to charge off or set up a special reserve for loans and investments. The wording is brought over from RCW 31.12.448 (repealed by Section 38 of the bill).
Note: The Division does not view this Section as an exhaustive list of the Director's powers to appraise or revalue, or require write-offs or reserves for, assets.
Page 25; lines 13-30: Director's authority to examine and investigate certain parties.
The changes allow the Director to examine and investigate certain credit union-affiliated parties, including EDP providers, as well as out-of-state and foreign credit unions permitted to operate a branch here.
Page 25; lines 31-33: Director's access to books and records of out-of-state and foreign credit unions, and certain other parties.
The changes allow the Director access to the records of out-of-state and foreign credit unions, and certain credit union-affiliated parties.
Page 25; lines 34-38 and page 26/lines 1-4: Director's authority to administer oaths and issue subpoenas.
The changes allow the Director to administer oaths, issue subpoenas, and require the production of documents. The changes are consistent with the state thrift and bank statutes.
Page 28; lines 16-24: Reports.
The changes conform with practice – credit unions must file NCUA-required call reports with the Division.
Page 28; line 28: Compliance with GAAP.
The changes conform to the law - preemptive federal law requires credit unions with at least $10 million in assets to comply with GAAP requirements.
Page 28; lines 35-36: Notice of intent to operate branch.
The changes limit the branch notice requirement to instances where the credit union intends to operate a branch in another state or foreign jurisdiction.
Page 29; lines 5-9: Director's removal authority.
The changes clarify that the Director may remove an officer or employee from employment, and allow the Director to prohibit a person from participating in the affairs of any credit union. This enforcement authority is consistent with authority of other state and federal regulators. See, e.g., 12 U.S.C. 1786(g) (NCUA authority).
Page 29; lines 20-38 and page 30/lines 1-2: Enforcement hearings.
Certain subsections have been deleted in this and following sections to avoid inconsistency with the State Administrative Procedure Act, Chapter 34.05 RCW (APA). See page 30, lines 11-34; page 31, lines 16-21; page 32, lines 8-39; and page 33, lines 1-7. Another section of the bill (Section 35) makes it clear that the agency's enforcement hearings are governed by the APA.
Page 30; lines 34-38: Cease and desist (C&D) orders.
The new wording is brought over from the last sentence of the deleted subsection (2) of this section.
Page 31; lines 5-11: Temporary C&D orders.
Page 31; lines 12-14: Notice of permanent order.
Page 31; lines 23-28: Credit union action to enjoin temporary order.
Page 31; lines 29-34: Director action to enjoin violation of temporary order.
The new wording is brought over from RCW 31.12.615 (repealed by Section 38 of the bill).
Page 31/lines 37-38 and page 32/lines 1-5: Application of APA.
The changes clarify that the agency's enforcement hearings are governed by the APA, except to the extent that Chapter 31.12 provides otherwise.
Page 33/lines 10-37 and page 34/lines 1-31: Corporate credit unions.
Chapter 31.13 RCW governs Washington State-chartered corporate credit unions. There are currently no Washington State-chartered corporate credit unions.
Chapter 31.13 is very outdated. Sections 36 and 37 of the bill extensively revise two sections of the corporate Chapter. As amended, these sections permit the organization of a Washington corporate with the same powers as federal corporates and Kansas State corporates. The largest corporate in the nation is chartered by the State of Kansas, and Kansas State law provides detailed corporate credit union regulation. Section 39 of the bill repeals the remaining three sections of the Corporate Chapter.
Page 34; lines 34-35: Repeal of RCW 31.12.275.
RCW 31.12.275 provides that the board may remove board officers and committee members (other than supervisory committee members) only for cause. Because these officers and committee members are appointed by the board without a member vote, the "for cause" requirement is not appropriate. With the repeal, boards can make the determination to remove such officers and committee members as they see fit.
Page 34; lines 36-37: Repeal of RCW 31.12.407.
RCW 31.12.407 (Chapter 5, Section 5, Laws of 1996) requires credit unions to have federal insurance before December 31, 1998. After December 31, 1998, credit unions were required to have federal insurance or alternative insurance approved by the Director. See RCW 31.12.408. Consequently, RCW 31.12.407 is no longer effective and is repealed.
Page 35; lines 1-2: Repeal of RCW 31.12.445.
RCW 31.12.445 is deleted because the concept is addressed in Section 26 of the bill.
Page 35; lines 3-4: Repeal of RCW 31.12.448.
RCW 31.12.448 is repealed because:
- The Director retains safety and soundness authority outside of this section to require an appropriate liquidity reserve; and
- The substance of RCW 31.12.448(2) is moved to Section 27(2) of the bill.
Page 35; lines 5-6: Repeal of RCW 31.12.555.
RCW 31.12.555 is repealed because the substance of the section is moved to Section 27(3) of the bill.
Page 35; lines 7-9: Repeal of RCW 31.12.605.
RCW 31.12.605 is repealed because the wording of the section is moved to Section 34(4) of the bill.
Page 35; lines 10-11: Repeal of RCW 31.12.615.
RCW 31.12.615 is repealed because the wording of the section is moved to Section 34(5) of the bill.
Page 35; lines 12-13: Repeal of RCW 31.12.627.
RCW 31.12.627 is repealed to make it clear that these matters are governed by the APA.
Page 35; lines 16-20: Repeal of RCW 31.13.030, .040, .050.
These three outdated corporate credit union sections are repealed.
Page 35; line 21: Decodification of RCW 31.13.900.
RCW 31.13.900 is a severability provision from a 1977 bill, and is decodified.
Page 35; lines 22-25: Severability provision.
Standard severability provision.
Opinion index heading: Miscellaneous
Opinion index and list descriptor: Summary of HB 1366 (Chapter 83, Laws of 2001), Effective July 22, 2001
DCU Opinion Number 01-8
Date: November 8, 2001
From: Parker Cann, Director
Credit Unions Possess Incidental Powers through Two Sources -
- The State Parity Provision (RCW 31.12.404); and
- The State Incidental Powers Provision (RCW 31.12.402(23))
By: Parker Cann, Director of Credit Unions
Issue: State Parity Provision
The Washington State Credit Union Act (WSCUA) grants Washington State-chartered credit unions (WaSCUs) the powers and authorities (powers) that federally-chartered credit unions (FCUs) possessed on December 31, 1993 or a subsequent date not later than July 22, 2001. RCW 31.12.404 (state parity provision). In addition, the Director of the Department of Financial Institutions (DFI) may grant WaSCUs the powers and authorities that FCUs have subsequent to July 22, 2001
… if the director finds that the exercise of the power and authority serves the convenience and advantage of members of credit unions, and maintains the fairness of competition and parity between credit unions and federal or out-of-state credit unions.
RCW 31.12.404(2). The Director's power to reach such a finding and to interpret Chapter 31.12 RCW generally has been delegated to the Director of the Division of Credit Unions. Of course, in exercising an FCU power, WaSCUs must comply with any restrictions or limitations on the specific exercise of the power under NCUA statutes or rules. RCW 31.12.404(3).
The Federal Credit Union Act (FCUA) provides that a FCU has the power to exercise such incidental powers as shall be necessary or requisite to enable it to carry on effectively the business for which it is incorporated.
12 U.S.C. Section 1757(17). On September 5, 2001, the National Credit Union Administration (NCUA) amended its rules to grant FCUs broader incidental powers under the FCUA. 12 C.F.R. Part 721; see also 66 Federal Register 40845 – 40859 (August 6, 2001) (NCUA's amended IP rule).
In part, the NCUA's amended IP rule also outlined a three-part test to determine what activities fall within the purview of incidental powers. See 12 C.F.R. Section 721.2 of the rule. The test was derived from the U.S. Supreme Court decision in Nationsbank of North Carolina v. Variable Annuity Life Insurance Co., 513 U.S. 251 (1995) (VALIC).
The Washington Credit Union League (WCUL) has inquired whether WaSCUs enjoy the same incidental powers that were granted to FCUs by the NCUA's amended IP rule.
Analysis – State Parity Provision
As noted above, WaSCUs are granted FCU powers in effect on December 31, 1993, or a subsequent date no later than July 22, 2001. RCW 31.12.404(1). A finding by the Director is not required to grant WaSCUs any FCU power unless it took effect after July 22, 2001.
In regard to interpretation of the state parity provision, the Division continues to take the position that the effective date of a power derived from the FCUA is based on the enactment of the FCUA provision, even though the power is not recognized or acknowledged by NCUA rule or interpretation until later. Such is the case in this instance.
The NCUA's amended IP rule took effect on September 5, 2001. However, the incidental powers provision in the FCUA was in effect on July 22, 2001. Consequently, the state parity provision does grant the incidental powers recognized in the NCUA's amended IP rule, without the need for a finding by the Director under RCW 31.12.404(2).
Conclusion – State Parity Provision
We conclude that WaSCUs possess the powers granted to FCUs by the NCUA's amended IP rule. This includes incidental powers and authorities granted to a FCU in the future through application to the NCUA or opinion of its General Counsel. As is the case with the exercise of any parity power, a credit union should:
- Consider whether Board of Directors' approval of the exercise is necessary;
- Maintain legal citations and other documentation evidencing the FCU power and the restrictions and limitations on the power; and
- Comply with the NCUA restrictions and limitations on the power.
State Incidental Powers Provision
The WSCUA also grants WaSCUs certain incidental powers. A WaSCU may:
exercise such incidental powers as are necessary or convenient to enable it to conduct the business of a credit union.
RCW 31.12.402(23) (state incidental powers provision). Although we have not been asked to opine on this provision, we feel that it would be helpful to WaSCUs to explain the application of this provision in the context of this opinion.
We believe that WaSCUs may possess incidental powers under the incidental powers provision that are different than the incidental powers they possess under the state parity provision, as determined above in this opinion. In addition, we would like to note that we intend to use the test outlined in VALIC as a test for determining what is an incidental power for WaSCUs under RCW 31.12.402(23).
Exercising Incidental Powers
A WaSCU should obtain the Division's written approval before undertaking any new activity in exercise of its incidental powers under either the state parity provision or the state incidental powers provision, unless:
- The activity is within a category that has been preapproved by the NCUA under 12 C.F.R. Section 721.3;
- The activity has been approved by the NCUA in writing or has been determined to be an incidental power of FCUs by written opinion of the NCUA's General Counsel; or
- The activity has been approved by the Division in writing or has been determined to be an incidental power of WaSCUs by written opinion of the Division.
We strongly encourage credit unions, when applying to the Division for approval of the exercise of an incidental power, to submit a written opinion of knowledgeable counsel that addresses:
- The VALIC test or the test in 12 C.F.R. 721.2; and
- Whether the activity has been permitted as an incidental power for a bank, savings bank or savings and loan association.
WaSCUs using the exceptions in 1, 2 or 3 above should maintain documentation demonstrating compliance with the exception.
Of course, credit unions must use caution in undertaking any new activity to ensure that all related risks are appropriately assessed and mitigated and that the activity is conducted in a safe and sound manner. For the sake of convenience, we have reprinted below the NCUA's discussion of safety and soundness considerations from its amended IP rule.
Opinion index heading: Powers (including parity …)
Opinion index and list descriptor: Credit Unions May Possess Incidental Powers through Two Sources -
- The State Parity Provision (RCW 31.12.404); and
- The State Incidental Powers Provision (RCW 31.12.402(23))
NCUA Discussion of Safety and Soundness Considerations
The NCUA Board wants to emphasize that, while the incidental powers rule identifies categories of activities the Board has identified as within a federal credit union's (FCU's) incidental powers under the Federal Credit union Act (FCU Act), an FCU must comply with all applicable legal requirements and give due consideration to safety and soundness concerns before engaging in an incidental powers activity.
To carry out its responsibilities, FCU management must consider whether its policies for new activities are realistic and carefully designed to enable the FCU to serve the interests and needs of the membership. In addition to meeting various legal requirements, many incidental powers activities require management to provide direction and instruction for officers, employees, and committees delegated the responsibility for implementing new activities.
FCU management is responsible for developing proper internal safeguards such as management oversight, internal controls and quality control. FCUs must examine the strategic risk, reputation risk, transaction risk and compliance risk before engaging in a new activity. In addition, management must exercise due diligence before devoting resources to a new activity or entering into any arrangements with third parties. Activities that involve the use of new technologies must rely on acceptable information systems and operations architecture. FCUs capable of providing advanced technological services must employ appropriate internal controls to minimize technological and legal risk and to address safety and soundness considerations. FCUs must also adjust their risk management process and insurance coverage to correlate with additional risk taken on by engaging in new activities.
NCUA has published guidance papers to assist FCUs in evaluating the risks and understanding the legal requirements involved in some of these activities. This guidance includes:
- NCUA Letter to Credit Unions No. 01-CU-02 (February 2001), offering guidance on the privacy of consumer financial information
- NCUA Letter to Credit Unions No. 109 (September 1, 1989), discussing risks associated with certain computer operations
- NCUA Letter to Credit Unions No. 97-CU-5, addressing electronic financial services
- NCUA Letter to Credit Unions No. 00-CU-11, regarding risk management of outsourced technology services
- NCUA Interpretive Ruling and Policy Statement 85-1, covering trustees and custodians of pension plans.
NCUA's published guidance, along with NCUA's regulations, are available from the agency's website at www.ncua.gov. The Board also recommends that FCUs review interpretive letters and guidance issued by other federal financial institution regulators for assistance in understanding an activity's risks, for example, OCC Bulletin 2001-12 on bank-provided account aggregation services and OCC Advisory Letter 2000-9 on third-party risk. Depending on the activities an FCU undertakes, it may also need to consult with its own legal counsel and other professional advisers.


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America's Largest Subaru Enthusiast Festival
Stafford Motor Speedway - Stafford Springs, CT
** June 8, 2014 **
Welcome to WBM
Attend the event
Answers to ???'s
Or just stand there
Us what you got
For everyone
Meet our sponsors
Become a Sponsor
Where to stay
and directions
WBM 2014 All-Subaru Autocross
Click here for the 2014 Autocross results
The WBM Autocross is an opportunity for you to test and dial in your skills as you try for your best time around our Subaru-in-mind designed course! Autocross events are safe, medium speed driving events for you to test the limits of your Subaru and gain valuable driving experience! One driver at a time negotiates a course laid out with the cones, or pylons, testing their skill against the clock. Time penalties are charged for disturbing cones.
Autox Schedule (tentative and highly likely to change!)
8-9:00 :: Registration and tech
9:00 :: Drivers' Meeting
9:30 :: First car on Course
9:30-10:30 :: Turbo Group, Session 1
10:30-11:30 :: N/A Group, Session 1
11:30-12:30 :: Charity Drive
12:30-1:30 :: Turbo Group, Session 2
1:30-2:30 :: N/A Group, Session 2
2:30-3:30 :: Re-runs
3:45 :: Awards
*AutoX participants can come two hours before gate opens
*Cars will be run in run groups to allow competitors a chance to check out the rest of the event
AutoX Classes (tentative - will most likely be updated!)
- Non-Turbo (all N/A Subarus, tread wear 140+ tires)
- Turbo Street (stock or lightly modded Subarus, tread wear 140+ tires)
- Turbo Prepared (upgraded turbos, tread wear 140- tires, stripped interiors, lexan windows, engine swaps)
- BRZ / FRS (any mods - contingent on a minimum of three entrants!)
Awards for EACH class:
- 1st place: a plaque and prize pack from
Subaru of New England
(mailed after event) that includes
SRT USA Folding Chair
SRT USA Rocky Rolling Cooler
, and
STI Tire Tread Tumbler
- 2nd place: $60 entry refund
This will sell out
, so pre-registration is required via our
ticket page
. You'll need your ticket showing you paid to enter. You'll also need a valid driver's license. Numbers will be assigned upon arrival and cars may be required to install a branded windsheild vinyl and/or number plates.
No Work Assignments!
Unlike most Autocross formats, we'll have staff so you don't have to work when you're not running. This way you can enjoy the event! If you do feel like working in exchange for a free AutoX entry,
please let us know
as we could use one or two more staffers.
Preparing Your Car / Tech Inspection
Remove all loose articles from the interior of your car! At the "tech" area, you will be asked to open the hood, trunk, and interior of your car for the Tech official's inspection. They are here to make sure that all cars competing are safe. They will inspect your tires for adequate inflation pressure and tread depth, your wheel bearings for wear, check that your battery is secure, throttle return springs for return, etc. If the tech officials are satisfied with the safety of your car, your time card will be initialed. Helmets are required, must be SA2005 or SA2010, and are subject to inspection. Mufflers are required.
To pre-reg, add the autox option when you
purchase your admission ticket here
Top Sponsors
© 2014 SubieEvents, LLC. ALL RIGHTS RESERVED.
| Powered by


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Dually Valve Stems for Ford E350, E450 (1997 plus) with 16" Steel Wheels DL1EC (FREE SHIPPING)
Works on years 1992 - 2007 with hole size 2" round.
Dually Valve Stems replace the valve stem and extensions you may have or need to access your wheels.
Dually Kit includes 2 Inner Dual Stems, 2 Outer Dual stems, 1 packet of loctite & 2 Rubber Stabilizers. 100% guaranteed.


text:
Cindy Starfall: Go Pho a Wok - InTheCrack
1,025 Views - By InTheCrack - 2 years ago - View InTheCrack VideosThe super cute and adorable Cindy takes a casual stroll on the treadmill in the midst of the Los Angeles smog and fog. You get all the angles and perspectives from high and low and front and back. Her cute smile is really flirty and present even while she is in mid stride. You will surely melt as she twiddles her hair and smiles at...
Cindy Starfall: Go Pho a Wok - InTheCrack Photos (15)
Sponsored by: In The Crack - Extreme Pussy and Ass closeups
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Bears reversing momentum is hard, not hopeless: Troy Aikman
BY SEAN JENSEN email@example.com December 15, 2012 1:26AM
Troy Aikman went on to win a third Super Bowl with the Cowboys after some late-season difficulties. | Getty Images
Updated: January 17, 2013 6:26AM
Since 1990, 37 NFL teams have started 7-1.
Five were Super Bowl champions, seven were Super Bowl runners-up and 11 reached the conference championship game, according to STATS.
Only one — the 1996 Washington Redskins (9-7) — missed the playoffs.
Like this season's Bears, those Redskins had a defense that dominated early, then faded later. But unlike these Bears, those Redskins had a top-10-ranked offense, even if it struggled in the collapse as well.
Losers of four of their last five games, the Bears play a pivotal game today against the Green Bay Packers at Soldier Field. With a win, they'll put themselves in a strong position to secure at least an NFC wild card spot, if not the NFC North. But if they lose, the Bears figuratively hand the Packers the NFC North title.
Hall of Fame quarterback Troy Aikman will call today's game for Fox, the first time he's been assigned to the Bears this season. He recalled his last Super Bowl season, when the Dallas Cowboys' offense staggered to the end of the 1995 regular season.
''Everything was hard,'' Aikman said. ''We were going into the last game not playing good football.''
But they blew out the Arizona Cardinals 37-13, then rolled through the postseason, including a 27-17 victory over the Pittsburgh Steelers in Super Bowl XXX.
''You can catch momentum in a hurry, and you can lose it as well,'' Aikman said. ''Can [the Bears] get hot? Yeah. We saw it last year [with the New York Giants].''
To be fair, Aikman's final Super Bowl team finished 12-4 and featured a top-10 offense and defense. But in his illustrious career, Aikman had his ups and downs, and he noted the Bears are probably questioning themselves right now.
''On my best of teams, we had periods where we didn't play very good and you said, 'Man, what's going on?' '' he said. ''All teams face those periods, and the Bears are in the middle of it right now. But they have a huge game and a chance to make amends for a lot of poor play in recent weeks. It's amazing what one win can do.''
Statistics are often misleading. But the Aikman Efficiency Ratings factor in a number of variables. On defense, the Bears still rank No. 1. On offense, they're 20th. Overall, they're fifth.
While there was excitement with the arrival of Pro Bowl receiver Brandon Marshall, Aikman said the Bears' M.O. hasn't changed at all.
''Let's be honest — this has been the Bears for a long time,'' he said. ''They go as their defense goes, and if they don't dominate people, they have a hard time winning games.''
Still, Aikman noted that the defense wasn't disastrous in last week's loss against the Minnesota Vikings.
''They gave up two touchdowns, one of which started inside the 10-yard line, and hold the quarterback 100 yards passing,'' Aikman said. ''That's not a great defensive performance? I don't quite get that.''
Asked if the Bears have a championship defense, Aikman hesitated, then said, ''I think the Bears are certainly good enough on the defensive side of the ball to win a championship. But are they good enough offensively?''
That's the million-dollar question that could determine the fate of many at Halas Hall in the near future.
Open to middle
When the Bears drafted Shea McClellin in the first round in April, there was a strong belief — despite what the organization said — that he was the heir apparent to Brian Urlacher at middle linebacker.
McClellin has had an uneven season, one recently slowed by injuries. But he has displayed his athleticism, his intelligence and his work ethic.
Last week, I asked McClellin about the prospect of him playing in the middle.
''I think I could do it. Definitely,'' he said. ''That was the thing coming in, my versatility.''
He played middle linebacker in high school, as well as safety.
''It was fun,'' he said of manning the middle.
McClellin also isn't fazed by the leadership that comes with the position.
''Definitely people look to you because you're kind of the quarterback of the defense,'' he said.
Taking a licking
Sunday's game features two of the most punished quarterbacks. Jay Cutler has been knocked down 63 times, according to STATS, while Aaron Rodgers has been knocked down 72 times. Indianapolis Colts rookie Andrew Luck has been knocked down a league-high 100 times.


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Thanks for your help and participation in our
60th annual parade! Now looking ahead to 2015!
A presentation of the Antique and Classic Car Club of Butler County
Parade car check-in will be begin at 8:30 a.m. at the Walmart Supercenter, 1505 Main St. All Parade participants will receive Commemorative Plaques. Over 300 parade cars are expected. Judging will take place between 9:30 and 11:30.
Please NO TENTS or POP-UP ENCLOSURES of ANY kind on the parade staging sites or stop sites.
The parade to Fairfield will start promptly at 1:00 p.m. The Fairfield stop will be at Fairfield Crossings, Rt-4 and Symmes Rd. The parade will then proceed to Downtown Hamilton at 2:30. Presentation of awards will begin at 3:30. Public viewing of cars at all three locations is free to the public, and restrooms will be available.
We urge you to preregister your parade car for a reduced registration fee of $5 if it is received by July 22nd. Registration the day of the parade will delay check-in and there is a $10.00 fee, so please preregister.
Click on the Parade Information for 2015 tab and submit registration form online OR pickup a parade flier and registration form at the Butler County Visitors Bureau, 8750 Union Centre Boulevard, West Chester, Ohio; or the Hamilton Visitors Bureau, One High Street, Hamilton, Ohio.
2015 Parade Parking Assistance – Corvettes of Hamilton
The Antique and Classic Car Club of Butler County next meeting:
Wednesday, January 21st, 7:00PM
Government Services Center
315 High St. Hamilton, Ohio
Visitors welcome. Become a member.


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One of the most enigmatic and intriguing of eastern Connecticut stone carvers is an individual identified as Peter Barker on the basis of probate records for payment of stones Monteville. One for Daniel Fitch (1755), "to cash paid Mr. Barker for making toom stones 1-13-4," and one for Samuel Lawrence (1759) "to Peter Barker for gravestones 1-2-6." The John Hide, Jr., estate (Norwich 1760) also paid Peter Barker "0-15-0" but gravestones are not specifically mentioned. Stones attributed to this carver are very crudely executed. The cherubim have simple round faces, truncated noses and small wings, usually arising from stalks at the side of the face. Frequently simple willow-leaf like vine borders are used. Sometimes six-rayed rosettes are lavishly used in the horizontal row and on the border panels. Such stones are certainly in the tradition of Obadiah Wheeler. Barker stones are so often thick slabs, but the carving is shallow and erosion is usually great so that it is exceedingly hard to read the inscriptions and interpret the designs. (Fortunately Anne Williams and Susan Kelly have concentrated on this carver, and their skillfully interpretive rubbings make it possible, as no photographs can ever do, to see the original design work.) He seems to have worked on whatever local stone was available. Usually this is a schist or granite. Stones near Connecticut River are usually sandstones. What makes Peter Barker extremely interesting is not the quality of his work, which must rank as mediocre, but the amazing wide distribution of his stones. They occur at least from southwestern coastal Connecticut (well into the interior of western Connecticut), throughout eastern Connecticut and into Rhode Island and southern Massachusetts in the Narragansett basin area. He may well have been and itinerant carver who moved from place to place. In most eastern Connecticut burying grounds only a very few Barker stones are present. It seems unlikely that such rude work would have been popular enough for the heavy stones have been carried long distances to adorn a faraway graveyard. In any event, Peter Barker is a fine example of how much research is needed, and the intriguing problems involved, in unraveling the history of a single, mediocre worker.
From: Slater, James A. The Colonial Burying Grounds of
Eastern Connecticut and the Men Who Made Them. Memoirs of the
Connecticut Academy of Arts & Sciences, vol. 21. Hamden,
Connecticut: Archon Books, 1987.
*Homer Babbidge Library call number f/Q/11/C85/v.21


text:
- Age / Gender:
- 25, Male
- Location:
- Philadelphia
- Joined:
- 3/27/04
- All Stats >
Musician and Illustrator
User Statshot
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Level 10 Blank Slate
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Ranked as Scout
Contact Info / Websites
Latest News
CLICK HERE it is my band, check the audio for a sample!!!
Recent Game Medals
Head Examination 5 Points Kill a bouncing head Medal Stats.
What a Buggy Game 25 Points Clear the Lizard stage! Medal Stats.
Like a Fish out of Water 10 Points Finish the Tadpole stage! Medal Stats.
Slaughter Rank: Psychopath 25 Points [Career] Kill 1000 enemies in Arena Mode. Medal Stats.
Slaughter Rank: Wargod 25 Points [Career] Kill 600 enemies in Arena Mode. Medal Stats.
Slaughter Rank: Impaler 10 Points [Career] Kill 350 enemies in Arena Mode. Medal Stats.
Slaughter Rank: Bloodied 10 Points [Career] Kill 200 enemies in Arena Mode. Medal Stats.
Slaughter Rank: Greenhorn 5 Points [Career] Kill 50 enemies in Arena Mode. Medal Stats.
Nexus Victory [Normal] 10 Points Defeat the Nexus HQ on Normal Difficulty Medal Stats.
Gnome Assassin 50 Points Kill 25 Medium Gnomes Medal Stats.
Total Medals Earned: 37 (From 10 different games.)
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PUSTOTA Rated 4.3073 Stars Music video for THEODOR BASTARD Music Video Puritania Rated 4.1797 Stars Dimmu Borgir - Puritania - Music Video Music Video I Love Death Rated 4.4078 Stars In reality, life is quite boring... Music Video Accidental Summon Rated 3.4834 Stars Be careful what you listen to.... Other
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Sands of the Coliseum Rated 4.4637 Stars A gruesome action-packed Gladiator game by Berzerk Studio ! Strategy - Other RaidenX Rated 4.2682 Stars Flash 2D Vertical-Scrolling Arcade Shooter Action - Shooter - Vertical Flight Madness interactive Rated 4.2269 Stars An extensive game based on the Madness Combat animations by Krinkels Action - Shooter - Run 'n Gun Punk-o-matic Rated 4.3007 Stars The classic Punk-o-matic. Just a reminder that Punk-o-matic 2 is coming :) Gadgets - Musical


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Thursday, February 25, 2010
Tutorial: Neutral Twist -- Chartreuse, Taupe and Purple
This is a neutral look with a twist -- the chartreuse lid is contrasting to the neutral taupe but it doesn't dominate the entire look. To sneak in more color, I've used purple on the lower lashline.
Creating this look, I've experimented with several newly-acquired products. Read on to see the items used
Items Used:
Shu Uemura UV Under Base Mousse in Beige
Giorgio Armani Luminous Silk Foundation in #6
MAC Select Cover-Up in NC35
Giorgio Armani Loose Powder
elf Healthy Glow Powder in Luminance
Benefit Dallas Powder
Benefit Sugarbomb
MAC Sliimshine Lipstick in Bare
Urban Decay Pocket Rocket Lipgloss in Kirk
Smashbox Photo Finish Lid Primer
MAC Paint Pot in Pharaoh
MAC Eyeshadow in Pagan
NYX Eyeshadow in Iced Mocha (dupe for MAC Satin Taupe)
Stila Eyeshadow in Champagne
NYX Eyeshadow in Smokie Mountatin
MAC Eyeshadow in Fig. 1
Shu Uemura Glow On Blush in P Gold 91
MAC Fluidline in Blacktrack
MAC Glitter Eye Liner in Oxidate
Giorgio Armani Eye Pencil in Black
Maybelline Turbo Boost Mascara
Prescriptives Eyebrow Powder
10 comments:
- Paris B said...
Is it me or are you looking super fair in this one? I like the touch of Chartreuse (very inspiring - I've never tried Chartreuse) and I love how smooth your skin looks!
- February 25, 2010 at 3:25 PM
- Connie De Alwis said...
PB: I blame the camera! Chartreuse is a great color and I think it'll look fab on your skin tone. give it a go!
Smooth skin credit goes to Armani foundation :D
- February 25, 2010 at 4:42 PM
- Khymm said...
i love the color combination! you're skin is really flawless!
- February 25, 2010 at 5:30 PM
- ning * star said...
enjoy your greenie day!
the benefit face blush makes u glow
- February 25, 2010 at 5:34 PM
- Askmewhats said...
awww your skin looks glowing here! I love this look!
- February 25, 2010 at 7:33 PM
- Jamilla Camel said...
Isn't the Armani LSF the BEST!? Your skin looks flawless! I'm also loving the eye makeup too...love the green!
- February 25, 2010 at 9:48 PM
- Connie De Alwis said...
Khymm: Glad you do and thank you! :)
ning*star: I did this look before CNY. Today's color is actually blue! hehe
- February 26, 2010 at 1:13 AM
- Connie De Alwis said...
Nikki: whee! <3 glow. Thanks, dear :)
Jamilla: THE BEST! Thank you :)
- February 26, 2010 at 1:14 AM
- gio said...
I love this look! Your skin looks flawless!
- February 26, 2010 at 4:52 AM
- Eve Chua said...
love this look on you
- March 15, 2010 at 7:19 PM
Post a Comment
Your comments will help encourage me so please don't hesitate to leave one.
However, I only ask that you'd take a look at the FAQ page before asking a question.
Thanks a bunch!
<3 Connie


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Joining a College of Business student organization helps develops the skills you need to be successful and network with professionals in your future career. You can plan events such as Career Conference, organize fund raisers, and attend national conferences and case competitions.
At the same time, you'll have fun. Many student organizations have social activities like intramural sport teams, annual golf outings, banquets and other fun activities. Students also create long-lasting friendships with fellow members in their student organizations as well as long-lasting memories.
To find out more about how you can take part in of of 16 business student organizations or any other campus organization, attend Blugold Organizations Bash (BOB). The event, held during both fall and spring semesters, is a great opportunity to learn about various organizations on campus.
Blugold Organization Bash
Wednesday, September 10
11:00 am - 2:00 pm
Campus Mall - Rain Site: Zorn Arena
» Learn More About BOB
» View List of COB Student Organizations
» View List of Student Organizations
» Dean Tom Dock Named Acting Vice Chancellor, Will Retain COB Administrative Responsibilities
» Accounting Intern has Experience of a Lifetime in London
» Students Attend American College of Health Care Administrators Convocation
UW-Eau Claire College of Business
Schneider Hall 119 | Eau Claire, WI 54702-4004 | 715.836.6019 | FAX: 715.836.4014 | firstname.lastname@example.com
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