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The Power of Independent Thinking
Love Gov Video Series: Presentation at Draper University
Recorded: Tuesday, November 3, 2015
David J. Theroux, Founder and President of the Independent Institute, presents the idea and concept behind Love Gov: From First Date to Mandate, the award-winning, satirical video series that portrays the federal government as an overbearing boyfriend Scott Gov Govinsky who foists his good intentions on a hapless, idealistic college student, Alexis Smith.
To watch the web series, follow this link
Experts: David J. TherouxType: Other EventIssues: Banking and Finance, Bureaucracy and Government, Business, Civil Liberties/ Human Rights, Collectivism, Corporate Welfare, Culture/ Society, Economic Policy, Education, Energy, Fiscal Policy/Debt, Free Market Economics, Freedom, Government Power, Government Secrecy, Government Waste/Pork, Health Care, Housing, Labor and Employment, Political Ideology and Philosophy, Privacy, Property Rights, Public Health/ Consumer Protection, Regulation and Deregulation, Taxes, Trade, Welfare
Research Fellow Sheldon Richman Interviewed on KTRS Radio on How the 2016 Presidential Hopefuls Ignore Key Pro-Freedom Principles
Recorded: Tuesday, October 27, 2015
Research Fellow Sheldon Richman is interviewed on KTRS radios Larry Conners USA program, to talk about the 2016 presidential candidates and their stance on freedom and peace. Most seem eager for a war and support restrictions on markets and free trade. The race for president is a race to the bottom, according to Richman. Where are the candidates who promote peace and free enterprise?
Experts: Sheldon RichmanType: RadioIssues: Free Market Economics, Freedom
Independent Institute President David J. Theroux Discusses C.S. Lewis on Ave Maria Radio
Recorded: Saturday, August 1, 2015
Founder and President of the Independent Institute, David Theroux is interviewed by Ave Maria Radio President Al Kresta at the Napa Institute Annual Conference. Also President of the C.S. Lewis Society of California, David Theroux talks about C.S. Lewiss writings on liberty and Christianity and how Lewis became one of the best-read and most influential writers of the 20th and 21st centuries.
Experts: David J. TherouxType: RadioIssues: Civil Liberties/ Human Rights, Culture/ Society, Freedom, Government Power, Political Ideology and Philosophy, Privacy, Religion
John C. Goodman on A Better Choice: Healthcare Solutions for America
Recorded: Wednesday, July 22, 2015
Independent Institute Senior Fellow John C. Goodman talks about his new Independent book, "A Better Choice: Healthcare Solutions for America," on how to replace the Affordable Care Act with market-based solutions. Hosted by Michael Cannon, the discussion was held on July 22, 2015, at the Cato Institute in Washington, D.C.
Experts: John C. GoodmanType: Other EventIssues: Bureaucracy and Government, Business, Economic Policy, Free Market Economics, Health Care, Privatization, Property Rights, Public Health/ Consumer Protection, Regulation and Deregulation, Social Security, Taxes
How to Repeal and Replace Obamacare
Recorded: Friday, July 10, 2015
Lewis Uhler, President of the National Tax Limitation Committee, moderates a panel with Independent Institute Senior Fellows John Goodman and Lawrence McQuillan and Heartland Institute Senior Fellow Peter Ferrara at the 2015 FreedomFest held in Las Vegas, NV.
Experts: Peter J. Ferrara, John C. Goodman, Lawrence J. McQuillanType: Other EventIssues: Bureaucracy and Government, Economic History and Development (U.S.), Economic Policy, Fiscal Policy/Debt, Free Market Economics, Government Waste/Pork, Health Care, Labor and Employment, Privatization, Public Health/ Consumer Protection, Regulation and Deregulation
Was the American Wild West a Genuine Case of Anarcho-Capitalism?
Recorded: Friday, July 10, 2015
Independent Institute Senior Fellow Randy Simmons speaks at the 2015 FreedomFest in Las Vegas, NV.
Experts: Randy T SimmonsType: Other EventIssues: Economic History and Development (U.S.), Economic Policy, Economists, Free Market Economics, History (U.S), Political Ideology and Philosophy
A Christian, an Atheist, A Capitalist and an Economist on: What the Freedom Philosophy Is (And What It Isn't)
Recorded: Thursday, July 9, 2015
Independent Institute Research Fellow Robert Murphy speaks on a panel alongside Max Borders, Doug Casey and Stephen Cox at the 2015 FreedomFest held in Las Vegas, NV.
Experts: Robert P. MurphyType: Other EventIssues: Culture/ Society, Economic Policy, Economists, Free Market Economics, Freedom
Challenge of Liberty Student SeminarsAn Interview with Mark LaPrairie
Recorded: Monday, June 15, 2015
Associate Student Programs Director Mark LaPrairie appears on KLZ radio in Denver to discuss Independent Institutes Challenge of Liberty Student Seminars. Mark discusses topics including free markets, liberty and economics. Mark will be a senior at Hillsdale College in the fall and was one of the presenters at the seminar.
Type: RadioIssues: Civil Liberties/ Human Rights, Free Market Economics


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A leader is one who
knows the way,
goes the way,
and shows the way.
John Maxwell
Leadership Conference & Expo
September 10-12, 2015
San Antonio Marriott Rivercenter
before Jun. 30
Individual: $729
Group: $659
Guest: $200
after Jun. 30
Individual: $829
Group: $729
Guest: $200
after Aug. 1
Individual: $859
Group: $859
Guest: $200
Credit unions with assets of $10 million or less as of 12/31/2014 qualify for a free registration. Group registrants must be registered at the same time.
Registration Fee includes: Expo & Welcome Reception, three general sessions, choice of five of 27 breakout sessions, best practices panel discussions, handout materials, three continental breakfasts and all refreshment breaks.
Guest Fee includes: Expo & Welcome Reception, three general sessions, three continental breakfasts and all refreshment breaks. Our reduced guest fee is limited to one guest per paid registrant and is limited to spouses, significant others, and children over 18 years of age. This reduced fee is not for co-workers or credit union staff.
Cancellation Policy: Substitutions are always welcome. Registration fee refunds (less a $200 processing fee per person) are granted for cancellations received in writing on or before August 1, 2015. No refunds will be granted after August 1.
CPE Credits: Certified Public Accountants (CPAs) may earn up to 11 continuing education credits (CPE) at the 2015 Leadership Conference & Expo in accordance with each state's Board of Public Accountancy standards and guidelines. For more information regarding each state's standards and guidelines please visit:
For more information regarding administrative policies, please contact Cornerstone at 800-442-5762 ext. 6634.
Grant Assistance: The Cornerstone Credit Union Foundation is accepting scholarship applications for League training events based on financial need. Applications must be received by application deadlines. Please visit the Foundation's website to view all grant applications, guidelines and deadlines. Contact Emily Moreno, Foundation Grants Manager, at 800-953-6483 for more information.
101 Bowie Street
San Antonio, Texas 78205
Phone: 210-223-1000
For reservations, call: 877-622-3056
Room Rate
on or before Aug. 14
$199 nightly (single/double)
Group Code: Cornerstone League Conference
When calling to make a reservation, indicate you are with the
Cornerstone League Conference to receive the special rate.
Scam Alert: The Marriott Rivercenter will never call attendees asking for their credit card information. Do not give this information out if someone calls you and asks you for this information. Hang up and call the hotel directly to verify if they called you.
Wednesday, September 9
9:30 a.m.
Golf Registration
11:00 a.m. - 5:00 p.m.
T3 - Roundtables (Train the Trainer) (separate fee)
2:00 p.m. - 5:30 p.m.
Exhibitor & Sponsor Registration
3:30 p.m. - 5:30 p.m.
Leadership Conference & Expo Registration
Thursday, September 10
8:00 a.m. - 5:30 p.m.
Leadership Conference & Expo Registration
8:00 a.m. - 8:30 a.m.
Continental Breakfast
8:30 a.m. - 10:00 a.m.
Welcome & Opening Session
Opening Address
Rick Metsger, NCUA Vice Chairman
You Already Know How to Be Great
Featured Speaker: Alan Fine
10:00 a.m. - 12:00 p.m.
12:00 p.m. - 1:15 p.m.
Lunch on Your Own
1:15 p.m. - 2:30 p.m.
General Session
On the Economic Political and Business Climate
Featured Speaker: Roger Tutterow
2:30 p.m. - 5:30 p.m.
2:30 p.m. - 3:00 p.m.
Refreshment Break in Expo Hall
4:30 p.m. - 5:30 p.m.
Expo Reception
8:00 p.m. - 10:30 p.m.
Party with
Mustang Mania Car Giveaway
Friday, September 11
8:00 a.m. - 3:00 p.m.
Conference Registration
8:30 a.m. - 9:00 a.m.
Continental Breakfast
9:00 a.m. - 10:30 a.m.
General Session & Awards Presentation
The Innovation Question: What, How & Why Now?
Featured Speaker: Lee Wetherington
Sponsored by:
10:45 a.m. - 12:00 p.m.
Concurrent Sessions I
Sponsored by:
1. Seven Sales Sinkholes
L'areal Lipkins
2. Lenders as Sales People
Ronnie Boling
3. Data Breaches Drive Information Security and Compliance into the C-suite
Michelle Misko
4. What's in Your Wallet? Mobile-Payment Plays for Credit Unions
Lee Wetherington
5. Welcome to the New Frontier - Rethinking Mergers & Acquisitions
Michael Bell
6. Exploring Deposit Insurance
Dennis Adams,
7. Interactive Session - Leadership: The Real Differentiator
Kerri Smith
12:00 p.m. - 1:30 p.m.
Lunch on your own
1:30 p.m. - 2:45 p.m.
Concurrent Sessions II
Sponsored by:
8. Unlock Your Sales Culture
L'areal Lipkins
9. HR Trends for Small Credit Unions
Lorri Gaither
10. Better Board Meetings: A Panel Discussion
Dean Borland
11. What Your Attorney and Auditor Wish You Knew About Executive Benefits
Maria Kell, Robert Flowers & Kelly Earls
Sponsored by:
12. New Regulatory and Legal Risks of Overdraft Protection
Steven Van Beek
13. What's Next for Checking
Dave DeFazio
Sponsored by:
14. Interactive Session - From Vision to Action
Kerri Smith
3:00 p.m. - 4:15 p.m.
Concurrent Sessions III - Council Corner
Sponsored by:
15. HR Council - Workplace Bullying is Undermining Your Organization
Frank Mulcahy 16. Lending Council - Non-traditional Lenders - Modern Day Threat or Current Fad?
Jamie Lovell
17. Volunteers Council - How Credit Union Management Grows and Sustains Their Credit Union
Curtis Collins
18. Operations and Technology Councils - Governing Technology
Frank Halstead
19. Compliance and Accounting & Finance Councils - Same Day ACH
John Cogdill
20. Marketing & Business Development Council - Digital Marketing High Level Overview
Lisa Nicholas
4:15 p.m.
Enjoy San Antonio!
Saturday, September 12
8:00 a.m. - 8:30 a.m.
Continental Breakfast
8:30 a.m. - 9:30 a.m.
Concurrent Sessions IV
21. WTH - What the... Help!
Darrin Cates 22. Six Ways to Increase Profitability with People
Scott McClymonds
23. Governance Leadership Succession: Profiling the Board You Need in 2020 and Recruiting Them to Run
Les Wallace
24. Elder Fraud: A New Link to Loan Fraud
Barry Thompson
25. Same-Sex Marriages Legalized: Must Employers Say, "I Do?"
Carl Pilger
9:30 a.m. - 9:45 a.m.
Refreshment Break
9:45 a.m. - 10:45 a.m.
Concurrent Sessions V
26. The Mysteries of Mobile
Darrin Cates
27. Six Ways to Maximize Executive Performance
Scott McClymonds
28. What Matters Now: Insights from the Middle
Alison Fleming
Sponsored by:
29. When Social Media Attacks
Barry Thompson
30. Kick Start Your MBL Program
Scott Humphreys
10:45 a.m. - 11:00 a.m.
Refreshment Break
11:00 a.m. - 12:00 p.m.
Closing General Session
The Power of Influence
Featured Speaker: Ty Bennett
CASH Drawing
Session & Prize Sponsored by:
12:00 p.m.
Join us as we travel south of Austin to the Natural Bridge Caverns. Journey through a half-mile of the largest and most spectacular show cavern in Texas. You will walk 180 feet below the ground, see awe-inspiring, ancient formations centuries in the making and still growing today. There are amazing stalagmites, stalactites, flowstones, chandeliers and soda straws. Take pictures along the way because this is one walk through time that you will never want to forget.
Have lunch at The Gristmill, situated on a bluff overlooking the Guadalupe River, nestled under the shade of towering oak trees, in the quaint German town of Gruene, Texas.
After lunch we will head down the road to the town of Wimberley for an afternoon of shopping around "The Square" and "Olde Town Plaza". Wimberley is full of unique shops that offer traditional and not-so-traditional art and wares.
Prepare to be entertained in a unique way with The Violin Guy.
Pursuing a strong interest in world music, Mr. Cernat studied and performed in Europe at the Fribourg Conservatory in Switzerland, with the Brignoles Symphony Orchestra in France in the late 90′s and the Malaga-Bucharest Orchestra in Spain. As a producer and song writer he's worked along artists such as The Isley Brothers, Keith Sweat, Hip Boot Joe, Civello's and others. With fifteen years of experience as active pop music producer and engineer he has produced and recorded music for more than a hundred music albums worldwide for acts ranging from solo artists to live bands in pop, rock , techno , R&B, Hip-hop genres and more.
A Greek-Romanian native, Radu Cernat is currently pursuing his career as a solo pop singer and instrumentalist featuring his very own hand-made original electric instruments and Laser Instrument Shows™ , a spectacle and innovative light show created through the sound of music using LED and LASER technology.
The Grooves' show is an exciting combination of classic rock, Motown, oldies, disco, rock and roll, country, standards, swing, eighties dance, plus all the most up to date dance music. The Grooves band has the perfect song list geared at being enjoyed by all the different ages in the crowd at corporate parties. The band has many different styles and unlike most bands that just pick their songs to play in advance, they have over 170 songs in their play list, The Grooves band plays to the crowd picking what songs to play based on crowd response keeping the dance floor packed all night.
President Barack Obama nominated Rick Metsger to serve on the Board of the National Credit Union Administration on May 16, 2013. The United States Senate confirmed Mr. Metsger on August 1, 2013, and he took the oath of office on August 23, 2013.
Prior to joining the NCUA Board, Mr. Metsger owned his own strategic communications consulting firm focused on the areas of financial services, capital construction, energy and transportation. He served for 12 years in the Oregon State Senate, where he chaired the Business and Transportation Committee and was elected President Pro Tem in 2009. He worked extensively in areas of financial services, taxation, and consumer protection policy, and served on the Oregon State Treasury Debt Policy Advisory Commission.
In addition to consulting and public service, Mr. Metsger has worked as a teacher and a radio and television journalist. From 1993 to 2001, he served on the board of directors of the Portland Teachers Credit Union.
President Barack Obama nominated Rick Metsger to serve on the Board of the National Credit Union Administration on May 16, 2013. The United States Senate confirmed Mr. Metsger on August 1, 2013, and he took the oath of office on August 23, 2013.
Prior to joining the NCUA Board, Mr. Metsger owned his own strategic communications consulting firm focused on the areas of financial services, capital construction, energy and transportation. He served for 12 years in the Oregon State Senate, where he chaired the Business and Transportation Committee and was elected President Pro Tem in 2009. He worked extensively in areas of financial services, taxation, and consumer protection policy, and served on the Oregon State Treasury Debt Policy Advisory Commission.
In addition to consulting and public service, Mr. Metsger has worked as a teacher and a radio and television journalist. From 1993 to 2001, he served on the board of directors of the Portland Teachers Credit Union.
Most people who want to get better — at hitting golf shots, negotiating with clients, delivering presentations or any other field of endeavor — seek out new information. They read a book, take a class, hire an expert tutor. But as Alan Fine has learned from many years of coaching athletes and businesspeople, this "outside-in" approach often doesn't produce the results people want. More information becomes a distraction rather than a solution, and high performance remains elusive.
Fortunately, there is a better way! Fine has developed and honed a unique "inside-out" approach to performance improvement. In this session, Fine shows you how to unlock Faith, Fire and Focus: confidence in your ability, high energy and passion, and focused attention on the things that really matter.
In this session, you learn:
Alan Fine, co-creator of the widely recognized GROW® Model, is the founder and president of InsideOut Development. Alan is considered a pioneer of the modern coaching movement, and many of the world's most respected organizations have adopted his inside-out approach to performance improvement, including IBM, NASA, Honeywell, Gap, and Coca-Cola.
Alan has dedicated the past 25 years to helping people from all walks of life elevate their performance and unlock their potential, including athletes such as Davis Cup tennis star Buster Mottram, record-breaking triathlete James Lawrence, and PGA golfers Phillip Price, David Feherty, Colin Montgomerie, and Stephen Ames.
In 2014, we cleared two hurdles that were important steps back toward "normalcy", but challenges remain. In this session, Dr. Roger Tutterow provides a timely overview of the current global, national and regional economies and how we navigate into 2016. Special emphasis is placed on the linkages between the real estate markets and recent challenges in the financial services sector, the effect of economic changes in the competitive landscape on institution profitability and performance, the outlook for consumer spending and the retail sector, the causes and effects of the recent reduction in oil prices and the implications of ongoing changes in the political and regulatory climate for the credit union industry.
Roger Tutterow, Ph. D. is Professor of Economics at Kennesaw State University. He also serves as Director of the Econometric Center, an applied research center housed in KSU's Coles College of Business. His analysis of the economic, business and political environments have been featured in a variety of media including Wall Street Journal, Financial Times, USA Today, Atlanta Journal Constitution, Arizona Republic, Florida Times-Union, Kansas City Star, Los Angeles Times, New York Times, Orlando Sentinel, Palm Beach Post, Wichita Eagle and on CNN, CNBC, NBC, Bloomberg Television, NPR's "Marketplace" and "All Things Considered," CNN-Radio as well as by regional electronic and print media.
In addition to his work in academia, Dr. Tutterow has served as a consultant on financial economics and statistical modeling for corporate clients ranging from Fortune 500 companies to closely held businesses. He also serves as Chief Economic Advisor for the Henssler Financial Group, an Atlanta-based investment advisory firm and as a strategic advisor to Georgia Oak Partners, an Georgia-focused private equity firm. He has provided expert testimony on economic, financial and statistical matters in state and federal court, before the Georgia General Assembly and before the Georgia Public Service Commission. Dr. Tutterow has given several hundred speeches to professional groups in over 30 states and Canada on topics in the economic, business and political arenas.
For the last four years, he has been selected by Georgia Trend magazine as a "notable Georgian". In 2003, Georgia Governor Sonny Perdue appointed Dr. Tutterow to serve on the Governor's Council of Economic Advisors, a capacity that he continues to serve in for current Georgia Governor Nathan Deal. In 2010, he was named to the Special Council on Tax Reform and Fairness for Georgians which conducted a comprehensive review of Georgia's Tax Code. In addition, Dr. Tutterow has served on the Georgia Child Support Commission, on the Board of Trustees of Berry College, the Board of Directors of Vinings Bank, the Southern Region Board of Directors for the American Red Cross Blood Services and the Board of Directors for Consumer Credit Counseling Service of Atlanta.
A Georgia native, Dr. Tutterow holds a B.S. in Decision Science from Berry College and a M.A. and Ph.D. in Economics from Georgia State University. Prior to rejoining Kennesaw State University, Dr. Tutterow held faculty and administrative appointments at West Virginia University, Georgia State University and Mercer University. He has also served as a visiting professor at the University of the West Indies in Trinidad and at the Institute for Industrial Policy Studies in Seoul, South Korea.
The public perceives financial institutions as "laggards in innovation." No wonder. As regulated, risk-averse entities, financial institutions aren't inclined to 'fail fast and often' as innovation requires. Moreover, many financial institutions dedicate their most skilled talent to complying with regulations rather than pioneering better member experiences and service. Even innovation ain't what it used to be. Innovation today requires more than successful execution of product strategy and delivery; it requires successful management of ecosystems of vendors, partners, and regulators. Join Lee Wetherington for a sobering look at what it takes to innovate successfully in financial services, and learn what you need to know to assess risk accurately, focus resources smartly, and increase your credit union's probability for success in the new era of mobile and big data.
Mobile pay is on its way. But which model will prevail? NFC (a la Isis)? Cloud (a la PayPal)? Barcode (a la Starbucks)? No matter the form of mobile payments to come, there is broad agreement on the convergence of banking, shopping, payments, and geo-location. Almost half of consumers already use their mobile phones to shop for the best price, and a third want deals offered in real time based on where they are. Consumers don't need another way to pay, but most will avail themselves of easier, faster, better ways to shop, save, and spend. The good news is that credit unions are central to this pursuit and are already armed to remain relevant. Join Lee for a no non-sense review of mobile payments, where we are, what's ahead, and how you should proceed.
Lee Wetherington, AAP, is Director of Strategic Insight for ProfitStars®, a division of Jack Henry & Associates® (JKHY: NASDAQ). Lee directs the development of actionable insight and strategy for the financial services industry at large. To this end, he creates programs, presentations, and articles designed to orient and educate financial executives on the trends and implications of new technologies. He routinely delivers keynotes nationwide focusing upon opportunities and challenges in payments and the online/mobile/social channels. He also serves as the Technology Faculty Chair for the Southwest CUNA Management School and has delivered guest lectures on leadership and technology at universities across the United States. He was named "Strategic Alliance Executive of the Year" at the 2013 Golden Bridge Awards, which recognizes the world's top executives across every major industry globally. Lee's articles and commentary have been published widely across the financial services industry.
Lee received bachelor degrees in Economics and English from Duke University in 1990, and, in 1993, he completed graduate studies at Emory University. In 1995, he earned the distinguished Accredited ACH Professional (AAP) certification from the National Automated Clearing House Association (NACHA).
Regardless of the type of company, or the role you play in it, you are in the business of people. Because of that, great leadership is the driving force behind growing your business.
How do you become a good leader? Through influence.
How do you become a great leader? By using influence and integrity to engage and inspire others.
Based on his highly rated book, The Power of Influence, Ty shares his philosophies and tools for increasing your influence and impact as a leader.
Learning Outcomes:
When Ty was 21 years old, he and his brother Scott started a business in direct sales, which they built to over $20 million in annual revenue while still in their twenties. Since that time, he has developed over 500 sales managers globally with sales and leadership in 37 countries. As a young entrepreneur, Ty continues to engage his team's focus to grow sales. He uses the power of influence and storytelling to get buy-in to the vision of growing their multimillion-dollar sales organization.
With a natural ability to engage and empower others, Ty draws on his experience in the trenches to share real and tangible techniques about the principles of leadership that continue to create his success. The founder of Leadership Inc., who has been featured as one of the Top 40 Under 40, Ty is a young fresh voice providing interactive presentations that are engaging, dynamic and inspiring.
His clients include some of the most recognizable brands in the world such as: Coca-Cola, Subway, Wounded Warrior Project, Blue Cross Blue Shield and Remax. Ty has shared the stage with celebrities, Olympians and world-renowned thought leaders such as President Bush and President Clinton.
Ty's best-selling books – The Power of Influence and The Power of Storytelling: The Art of Influential Communication - are used in graduate courses at multiple universities including MIT, as today's version of "How to Win Friends and Influence People."
In June 2014, Ty Bennett received the CSP Designation. At just 32 years of age he is one of the youngest ever to receive the award in the shortest amount of time. Less than 5% of speakers earn the CSP honor.
Do you train staff at your credit union? Have you ever wanted to chat with other trainers and share tips and best practices? Well, here is your opportunity!
The T3 - Roundtables at Cornerstone's Leadership Conference & Expo invites you to participate in a unique peer-to-peer opportunity Wednesday, September 9 from 11:00 a.m. – 5:00 p.m. The event gives trainers a chance to showcase best practices in credit union training, adult learning, and presentation skills. Tamra Fairbrother will facilitate training talk tables and also provide space for sharing training materials and information about your training programs.
Participating affords you the opportunity to share information about your programs as well as learn about the best practices of other credit unions.
Bring your materials, bring your minds, and bring your questions!
Cost to participate (includes networking lunch):
As a seasoned executive-level event planner, Tamra is a master of detail and organization, contract negotiations, and knows what it takes to motivate, train and recognize a team. She has been referred to as the "Meeting Mentor," acting as a career coach to other meeting professionals at all levels.
After speaking to a group of 4,000 people during an event, Tamra knew she wanted to help educate and motivate people to reach a place greater than their perceived potential. Through her involvement with Big Brother/Big Sisters, she began observing the need to create a personal awareness of how people can live more confident lives. In addition, the creation of "The Pillars of Confidence," written by Tamra was born. This soon to be released book contains specific, laser-focused actions you can take to guide you through key life areas and become more confident in your personal and professional life.
Tamra is a native Texan, is Past President for Meeting Professionals International (MPI) Dallas/Ft Worth Chapter, currently serves on the advisory board at Richland College and is a big sister through Big Brothers/Big Sisters. She has been honored with the prestigious Planner of the Year award by the MPI Dallas/Ft Worth Chapter.
This presentation describes the current merger and acquisition environment in the banking and credit union industries. We review how the current environments are providing unique non-organic growth opportunities for credit unions.
Michael Bell, attorney with Howard & Howard, concentrates his practice in the areas of mergers and acquisitions, finance, business law and real estate. His experience in structuring unique and complex financial transactions has served him well in his representation of credit unions. Bell represents state and federally chartered credit unions throughout the United States on mergers and acquisitions, strategic planning, contract review and negotiation, property acquisition and highly sensitive employment and personnel issues. Additionally, he advises credit unions regarding all regulatory matters including issues with the NCUA and State regulators and provides strategic and legal advice in the area of CUSOs having recently paved the way for several credit union mergers that are industry firsts. In 2011, Bell completed the first ever purchase of a bank by a credit union. In 2012, he completed the first ever purchase of a stock owned bank by a credit union. In 2013, he completed the first ever purchase of a bank by a state chartered credit union. Bell has become the nationwide leader and the "go-to" legal adviser in this area. He received his J.D., with honors, from Valparaiso University School of Law in 2003 and his B.A., magna cum laude, from Adrian College in 2000. In addition to his legal work, Mr. Bell is an active entrepreneur and is involved in multiple ventures including the development of Class A commercial office space, the area development of a franchise restaurant and statewide development of a quick service franchise.
Credit unions in Texas have an alternative to federal deposit insurance. For over 40 years, ASI has afforded credit unions a choice… Business, Not Bureaucracy. Join us to learn how your credit union can enjoy the ASI business partner relationship by cutting the red tape. Also hear why 25 Arkansas, Oklahoma, and Texas credit unions use Excess Share Insurance (ESI) to insure their elite members' excess deposits.
As president of American Share Insurance, Mr. Adams is responsible for all operational and financial affairs of the nation's largest private deposit insurer for credit unions. Prior to assuming his role as the company's chief executive officer in 1990, Dennis functioned as its chief financial and risk management officer for five years. Before joining ASI, Dennis was a practicing Certified Public Accountant; wherein, he devoted his services to the credit union movement for ten years.
Under his leadership, ASI has defended and preserved the private insurance option in federal and state legislatures during changing times. During his tenure, he brought new and innovative principles to play in the structuring of the nation's only multi-state private insurer. Currently ASI provides private share insurance to credit unions in nine states and excess share insurance through its wholly-owned subsidiary, Excess Share Insurance (ESI), in 32 states and the District of Columbia.
Dennis received his Bachelor's Degree in Accounting from Bowling Green State University, and his Master's in Business Administration from Capital University. In addition, he is a licensed CPA and a Certified Financial Planner. He has also served 16 years as an adjunct professor at three local universities at the undergraduate and graduate school level and is a Board member of the Mount Carmel Foundation of Columbus, Ohio.
Financial institutions – banks, credit unions, et al – are experiencing increased competition and challenges to attract and retain profitable client relationships. This session discusses the ways lenders must adapt to their role as salespeople for their institutions and presents some "best practices" to assist them in identifying, attracting and retaining key clients.
Ronnie L. Boling is a financial services consultant and seminar/conference speaker and instructor. Mr. Boling has over thirty years of experience in commercial banking which includes all aspects of bank management - commercial lending, consumer lending, sales, product development, private banking/wealth management, asset management, trust and personnel training/development. Ronnie has served on the faculty of The Southeastern School of Consumer Lending, The Southeastern School of Banking, the Graduate School of Banking at LSU, the Mississippi School of Banking and the Alabama Banking School.
Associations and analysts across regulated industries are urging leaders to prepare for more stringent oversight and governance of their information security program and initiatives by Congress and the NCUA. With so many credit unions outsourcing IT operations, it is important for leadership to remember that they are still responsible for the security of their credit union and its members. Michelle discusses this increased scrutiny and elaborates on how credit unions can prepare to prove they have strategic plans in place that ensure information security and compliance is part of their everyday business and that their leadership understands how emerging cyberattacks could affect their business.
Michelle is a seasoned product specialist for TraceSecurity who travels the country educating organizations on how they can simplify and streamline their information security and compliance management by leveraging the latest innovations in cloud-based technology. Michelle holds a Bachelor of Science in Information Technology and a minor in Network Security from the University of Southern Mississippi.
Sales is the lifeblood of most organizations, but it can also be the most challenging area for companies to improve. We take a strategic look at seven sales sinkholes that slowly erode your organization's competitive position over time.
During this interactive session, you learn how to:
Culture, culture, culture! A leader's #1 job is to manage the culture of the organization. Why? Because it drives the type of people you hire, how you compensate them, what expectations you have and what outcomes you get.
During this interactive session, participants learn how to:
Known for her insight in the area of streamlining success, L'areal Lipkins is Managing Partner at Acuity Systems, Inc., the longest-running Sandler Training franchise in Texas. Acuity Systems Inc. is Dallas' premiere sales training and consulting firm that specializes in helping companies recruit top sales talent, develop sales processes, align sales strategies, and build highly effective sales teams. Associations and corporations across the globe value L'areal's expertise in an area of their business that is crucial to their long-term success---sales. L'areal graduated magna cum laude from the University of North Texas and received her MBA from the University of Texas at Dallas. She is on the board of and developed the 3-week leadership curriculum for C.L.A.S.S. Inc. (Cultivating Leaders Achieving Scholastic Success), a non-profit that provides leadership training and scholarships to high school students.
Attendees of this session will hear HR and Health care experts provide information on the latest HR regulations and trends affecting small employers. Topics will include areas of wage and hour, healthcare, compensation, and other HR Subjects. In addition, you will have the opportunity to participate in a best practice discussion with a panel of your peers.
In 2004, Lorri Gaither was hired to serve as a League Representative to small credit unions at the Cornerstone Credit Union League. Prior to working at the League, she served for 20 years in the financial services industry. Recently, Lorri was promoted to Vice President of the Small Credit Union Development Department. Her department provides resources to small credit unions under $50M in assets to help them thrive, grow, and continue to succeed in serving their members. Lorri also serves as a Liaison to the Cornerstone Small Credit Union Committee and the Cornerstone Lending Council. During her career with the League, Lorri has received several professional designations and awards including CUNA's Credit Union Compliance Expert (CUCE) designation and she was awarded one of the League's highest honors, the Heusman Award for her dedication and service to Cornerstone credit unions.
In today's financial marketplace, innovation and non-traditional competitors create an environment that demands change. Winners are those who embrace change, capitalize on it and define their own success within the membership they serve. In this session, participants explore concepts through a hands-on learning model.
Credit union leaders are divided up into three different groups: Nomads, Lemmings or Faders. Each has their own reasons for residing in their camps; however their organizations either thrive or decline under their influence. Participants are challenged to creatively address real situations and identify opportunities during unusual situations that foster collaboration and innovation.
Kerri Smith is an award-winning marketing, business development and speaking professional. With a credit union career spanning nearly three decades, Kerri has a broad range of experience in many areas of credit union operations, management and marketing.
In 1996, she began Kerri Smith Consulting to help small credit unions reach their full potential by communicating effectively with their members. She has worked with many credit unions around the U.S. and internationally. As founder and CEO of CU Exceed, LLC, Kerri Smith has the drive and determination to help credit unions of any size and any budget excel in the market they serve.
Currently, Kerri is working as the Business Development & Marketing Manager for Greenville Gas Turbine Employees Credit Union serving SEGs in the Upstate of South Carolina. She was first hired as a consultant to help improve their loan-to-share ratio of 32.94% in April 2014. The promotion was so successful that she was hired full-time. The credit union ended 2014 with a 60% increase in car loans and a loan-to-share ratio of 50% which represented 41% net growth overall.
Kerri is a sought-after speaker on the topics of credit union philosophy, marketing and advertising. She has spoken to groups in the Philippines, Trinidad and Tobago, Scotland and around the U.S. She has also provided technical assistance to credit unions in Grenada, Nevis and St. Kits, Malawi, Latvia, Lithuania, and Philippines through the World Council of Credit Unions. She has been working with the National Credit Union Administration to speak to examiners and small credit unions on the importance of marketing and sharing her award-winning strategies.
She received her Credit Union Development Education (CUDE) designation in 1994. Through this training, she learned how to use credit union philosophy to meet the needs of credit union members in innovative ways.
Kerri served as the coordinator for the Credit Union Development Education Program sponsored by the National Credit Union Foundation, the Credit Union National Association (CUNA), World Council of Credit Unions and CUNA Mutual Group. This intense six-day training held annually in Madison, Wisconsin focuses on credit union uniqueness and opens minds to the role credit unions can play in serving their members and their community.
According to NCUA, the Board of Directors is "responsible for the general direction and control of the affairs of each Federal credit union…" The ultimate responsibility for direction and control is non-delegable. Many things influence the effectiveness of boards, including the makeup of the board itself. But, Boards exercise their duty in meetings, making effective board meeting methods a necessary skill-set for boards and credit union leaders. Join a panel of staff and volunteers to explore what happens BEFORE, DURING and AFTER credit union board meetings, and how the processes contribute to board effectiveness.
Dean Borland is a 30+ year credit union professional with a background in operations, strategic planning, total quality management, service, sales, and marketing. Dean is an Award of Excellence graduate of Southwest CUNA Management School, a member of the SCMS faculty, and a Credit Union Development Educator.
In his current role at Credit Union Resources, Dean works with credit unions and suppliers to identify product and service opportunities to help credit unions achieve their goals, and provides credit union training and strategic planning facilitation through OnBalance.
Executive compensation plans are key tools utilized in attracting, rewarding and retaining your top talent. How you do protect the safety and soundness of the credit union while offering competitive benefits to key staff? What is your regulator looking for when they audit your executive benefit plans? What do you need to monitor? Is your plan still compliant? Hear from an ERISA attorney and an accountant, who have worked with over 600 financial institutions, as they address these issues and share important insights regarding the legal and financial considerations regarding executive benefits.
Maria Kell worked for 25+years at financial institutions ranging from DeNovo to $11 Billion in assets. Her expertise in Mergers and Acquisitions, Audit, Lending, Credit, Accounting and Retail Banking gives her a broad, holistic perspective, enabling her to provide innovative solutions to her clients' needs.
Maria has also spent over ten years designing and implementing Executive Incentive Compensation plans for a diverse group of lines of business and organizations. As an executive at a $1.3 billion dollar credit union, she also created and managed Sales and Incentive Compensation for eight years.
Maria advises organizations on qualified and non-qualified benefits as well as Corporate-Owned Life Insurance (COLI). Maria earned a Bachelor of Science degree from Texas A&M University and is a Certified Financial Planner.
Robert has more than ten years of experience in the design, implementation and administration of tax qualified and non-qualified retirement and compensation arrangements, including significant experience with arrangements subject to Code section 409A.
Robert's practice focuses on the corporate and regulatory representation of credit unions and other financial institutions. He advises financial institution clients on ERISA, tax and corporate law requirements concerning employee benefit and employee compensation matters.
As a founder of Business Compensation Consulting, Inc., Kelly brings to his clients a high level of solution-based knowledge derived from his degrees in accounting, business and law. With such expertise, he has advised hundreds of financial institutions on executive and director benefits, including effective nonqualified executive compensation plans. In addition, he educates institutions on the appropriate uses of COLI (corporate-owned life insurance) to help offset nonqualified benefit plan expenses.
Kelly also works with clients to provide ongoing regulatory support for any planning the credit union is currently considering or has implemented. In this regard, he will visit with regulators to gain approval and he answers questions regulators may have regarding the planning the credit union has implemented.
Kelly received a bachelor's degree in accounting, a master's degree and a law degree from Texas Tech University. He holds both his CPA license and law license in the State of Texas.
Regulators and attorneys continue to monitor and review credit union overdraft protection programs. The Consumer Financial Protection Bureau has been studying the overdraft protection market closely and has issued detailed reports hinting at future rulemaking. And, credit unions throughout the country are being targeted for class action lawsuits based on their overdraft programs. This session analyses these risks and walks through best practices to help credit unions reduce the risks related to offering this product to its members.
Steven Van Beek has extensive knowledge of regulations and guidance issued by the Consumer Financial Protection Bureau, the National Credit Union Administration, the Federal Reserve Board as well as the underlying legal statutes. Beyond the regulations, Van Beek has intimate knowledge of the operational issues facing credit unions and best practices credit unions can follow to reduce compliance, strategic and reputation risks. He is a frequent speaker at national and regional industry events delivering information on new and existing laws and regulations impacting financial institutions.
Prior to joining Howard & Howard, Van Beek served as the Vice President of Regulatory Compliance and Senior Federal Counsel at the National Association of Federal Credit Unions (NAFCU). There, he was responsible for all aspects of NAFCU's compliance assistance program and compliance-related products and services. In this role, Van Beek authored compliance articles for NAFCU publications, including the popular NAFCU Compliance Blog. His goal remains to help credit unions and other financial institutions navigate the complex web of laws, regulations and guidance that impact operations.
Van Beek received his B.A., summa cum laude, from Hope College in 2004 and his J.D. from George Mason University School of Law in 2007. He is a member of the American Bar Association and is licensed to practice in the States of Michigan and Virginia.
As more than 78% of people in the U.S. have switched to a big bank, credit unions have to discover how to evolve their checking account offerings to deliver more value to members.
In this session, we look at the newest checking account features that are being implemented by top performing financial institutions to go beyond the basics and connect better with their members, including the rewards movement, the influence of mobile and free checking.
We study the habits of today's consumers, with a large focus on the Millennial generation, and how the best retailers have adjusted their strategies to capitalize. This is an entertaining and interactive session with customer research videos, industry case studies and demonstrations.
Session Outline
Dave DeFazio works directly with credit union and bank clients to design, build and implement a variety of checking, marketing and training programs. His extensive financial services experience and continuous research in the field ensures each product and service meets the needs of today's retail bankers.
As partner, he develops consumer sites and mobile apps that deliver value to members as well as analysis tools that allow clients to have a deeper understanding of customer relationships and product profitability. Dave received his B.A. in economics and mathematics from Ohio Wesleyan University.
Frank presents an overview of the cybersecurity threat, using real-world information from confirmed data breaches. He also discusses some of the most recent regulatory emphasis on I.T. security, followed by a list of things for attendees to look out for in their efforts to govern this highly complex and fast moving aspect of the credit union.
Frank Halstead is the Chief Information Officer at First Service Credit Union. He joined the leadership team at First Service in 2012. His role as CIO includes the management of the credit union's technology infrastructure, data security, and business continuity planning. He also oversees the company's contact center and electronic services department. Halstead has over 15 years of experience in managing technology for the financial services industry. As a relative newcomer to Houston, he moved to Texas from California, after serving as Vice President of Information Technology at Arrowhead Credit Union in San Bernardino and as AVP of IT at PFF Bank & Trust in Pomona. Halstead has a B.S. in Technical Management from Devry University, an M.B. and is a 2015 graduate of Southwest CUNA Management School.
New business models like Uber and Tesla are disrupting transportation, old business models like Wal-Mart continue to push down the cost for everyday Americans and Silicon Valley salivates at the thought of changing how money is spent, saved and borrowed. Are these threats to credit unions or is it just a passing trend? This session explores what threats exist and some potential proactive steps to protect your business.
As a consultant to the financial industry, Jamie helps credit unions marry people, process and technology. As an experienced retail and lending leader he has experience driving member and team member engagement through value added activities with a focus on key behaviors. Jamie brings over 10 years of experience leading retail branch teams and most recently as AVP of Consumer Lending for Amplify FCU in Austin helped redesign the lending process and increase the consumer lending portfolio through effective change management.
How credit union management, both boards and management, can use the 7 credit union cooperative principles, the 12 principles that power credit union management, and the 8 credit union risks to sustain and strengthen their credit union.
Curtis Collins is Vice Chairman of the board of directors of the JSC FCU in Houston, Texas and has 40 years-experience in a variety of Federal human resources and administrative functions. In addition he is an Associate Member of the board of directors of the Cornerstone Credit Union League (CCUL), past Trustee Chairman of the Cornerstone Credit Union Foundation, and a past board member of the National Credit Union Foundation. Collins has won numerous awards during his tenure as a volunteer including CCUL 2003 Volunteer of the Year, and 2010 Hall of Fame Inductee, and NAFCU's 2000 and 2011 National Volunteer of the Year, for credit union's over $100M. He has been CUNA's Educator of Year in Community Service in 2001 and a member of the CUNA Volunteer Council 2011-2013. Collins received his Credit Union Development Educator (CUDE) certification in June 2000. He has a BA in Business Administration from the University of Houston and has attained 8 levels of certification in the CUNA Volunteer Achievement Program.
On May 19, 2015, NACHA —The Electronic Payments Association ® announced that it's voting membership approved Same Day ACH, an amendment to the NACHA Operating Rules to move payments faster. The rule is intended to enable a ubiquitous same-day capability for virtually any ACH transaction, thereby creating options for the businesses, governments and consumers who want to move their money faster. NACHA's rule amendment comes after comprehensive analysis, industry outreach and extensive dialogue with an array of stakeholders and is an important step toward modernizing the ACH Network that transferred $40 trillion last year.
Join us for this highly informative session to find out the latest information on this exciting new network functionality and what your institution should be doing to prepare for its implementation – both from an originating and receiving perspective.
John been working with financial institutions since early 2001 and has held numerous positions within the financial industry. His primary focus was with Treasury/Cash Management, risk management & assessments, audit organization, operations of payment systems and ATM network administration. He also served as a member of an Operational Risk Committee, which oversaw and monitored risk of Commercial ACH Originators. He received his AAP (Accredited ACH Professional) designation from NACHA in 2011 and currently leads the fraud mitigation meetings for SWACHA.
A native-New Mexican, he attended New Mexico State University where he earned double-Bachelor degrees in General Business & HR Management, with Minors in Marketing and Business Management. He also acquired an Associate's Degree in Digital Graphics Technology and Website Design from the Dona Ana Community College.
Digital marketing has evolved over the last several years and has changed how we engage with people and businesses and consume products/services. This session reviews the digital marketing landscape and provides a high level understanding of the main areas in the digital space such as content and email marketing, social media, mobile marketing, analytics, search, and marketing automation.
Lisa Nicholas is Vice President of Marketing for Amplify Federal Credit Union in Austin, Texas, and has been marketing for more than 19 years and specializing in marketing for the financial services industry for more than 14 years. Before joining Amplify, she ran her own marketing consulting business, Arrow Results. Prior to that, Lisa was Senior Research Analyst with Orange County Credit Union (Schools First). Amplify has received numerous marketing awards over the years under her direction including best newsletter, best coordinated campaign, best direct mail series, and more. In 2012, Amplify was awarded the Customer Service award by the Austin Chamber of Commerce. For her long-term excellence and life-long commitment to the credit union industry, the Credit Union National Association inducted Lisa as its 2013 Marketing & Business Development Council Marketing Professional of the Year, a prestigious honor reserved for the credit union marketing elite. The National Association of Federal Credit Unions named her Professional of the Year for 2013. She was also named Communicator of the Year by the International Association of Business Communicators in 2014 -- Austin Chapter.
Bullying statistics indicate up to 35% of employees are currently, or have been victims. This causes high employee turnover & increases health related issues/costs. Bullying can cost an organization with 300 employees approximately $1,300,000 in lost expenses annually. In this session you learn to Deter, Detect, and Defend against the over whelming cost of Workplace Bullying. A credit union can lose up to 7% of payroll to workplace bullying.
Frank Mulcahy is an award-winning entrepreneur, a sales professional and master presenter. In his career, he has anticipated national business trends with his start-up, leading edge technology companies. He developed for employers educational workshops in the dangers of social media and risk exposure from identity theft long before they became household words. Frank's immersion in bullying began with training at Clemson University in the Olweus Bullying Prevention Program to minimize bullying among school-age children. Frank attended the WBI Workplace Bullying University® multiple times to hone his mastery of all facets of adult bullying in the workplace. Frank was asked to join Work Doctor to apply his considerable sales talent to the task of introducing Work Doctor anti-bullying services to employers. He has developed an approach to allow employers to engage in the most affordable way possible.
Your greatest sources of innovation, creativity, and competitive advantage walk through your doors every day in the form of your employees. This session focuses on unleashing their talents and creativity to create greater productivity, effectiveness, and member experiences that result in loyalty and profitability.
CEOs and senior managers learn six ways to challenge status quo thinking about the work that is performed in their credit unions so they can better align people, processes, and results around member needs.
Your executive team is the economic engine of your credit union, but they're only as good as your ability to keep them engaged, challenged, and growing. This talk challenges CEOs and Senior Managers to raise their own performance bars by creating an environment that will keep their most valuable leaders happy and productive for many years.
CEOs and Senior Managers learn six practical but thought provoking ways to create the type of leadership culture that will increase energy and excitement in their credit unions, and how those benefits translate to members and create a competitive advantage within the financial services sectors of their communities.
Scott McClymonds helps CEOs and senior managers dramatically increase profitability, employee engagement, and member loyalty. A respected thought leader in the financial services industry for many years, Scott focuses on six critical functions to help his clients create a competitive advantage: Executive Performance, Organizational Alignment, Employee Engagement, Improved Value for Members, Systems Optimization, and Strategic Marketing.
In his consulting and coaching Scott helps CEOs ask and answer the tough questions that will accelerate the performance of their key managers, their enterprise, and themselves.
With governance of credit unions rapidly becoming more complex and risky, boards are looking to be more strategic in finding, developing and encouraging new board members. It's actually easier than one thinks but only if boards apply a disciplined and recognized proven process. This session will teach boards how to profile the board you need for the future, find the talent among your current members, and encourage and develop them for stronger future governance.
Les Wallace has a Ph.D. in Communication and Organizational Behavior from the University of Oregon. He founded Signature Resources in 1982 and has grown the company into a 40 person consulting consortium of individuals and partner organizations. The Signature Resources consortium provides governance and leadership strategy and development to public and private sector enterprise globally through three domestic offices and three international offices. During 30 years of service as a strategist to business and government Dr. Wallace has also served as university professor and administrator at the University of Oregon and Colorado State University, and hospital administrator at a large urban teaching hospital. Dr. Wallace is recognized for tracking business environment and workplace trends and their impact upon business and government. He is a frequent consultant and speaker on issues of organizational transformation and leadership, strategic thinking, board of directors development, governance, and coaching. His clients have included Fortune 100 businesses such as Hewlett-Packard, Dupont, Aetna, and Kodak. Government clients include the Internal Revenue Service, FBI, Nuclear Regulatory Commission, US Postal Service, and the U.S. Department of Health and Human Services as well as numerous state and local government entities. Dr. Wallace has worked with over 300 Board of Directors. He is also the 9Minute Mentor, a series of short articles and DVDs on leadership, governance, management and personal success.
The Supreme Court has ruled that all states must recognize same-sex marriages. The ruling will have a sweeping impact on employers of all sizes. Join us for an informative session to explore what steps employers will need to take to address the ramifications of the Court's ruling, including:
Carl Pilger is Digital's highly specialized in-house legal counsel, who's responsible for all benefits-related legal matters, including education, compliance administration and health care reform initiatives for clients and staff. For much of the last two decades, Pilger has successfully served in a variety of legal and consulting positions, focusing on a wide array of ERISA and employee benefits sub-disciplines. Pilger graduated from Northwestern University School of Law and earned a bachelor's degree in journalism from Northwestern University.
As the baby boomer generation ages, "Elder Fraud" will be the biggest growing segment for crime in our country! Criminals will target highly educated people for the greater riches they provide. Often these criminals have worked in occupations that have placed them in close contact with senior citizens. They know exactly how to manipulate the elderly and don't care anything about the victims. After gaining control, the weakest link at your institution becomes the target.
In this session, you learn how your loan function can be a rewarding experience for these criminals. Many of those who become victims will not admit it or be unwilling to prosecute the criminals – they don't want anyone to know they were deceived. We will review how the attacks work, as well as how to get the victims help! This information packed session gives you a whole new perspective on elder fraud.
Facebook, LinkedIn, MySpace, Google+ and other social media websites are changing the world. Credit unions use the social networking phenomena as an effective method for attracting an ever-younger (and an ever-older) client base. Social Media can also be used as a weapon against a financial institution. We will review how this channel, unmonitored, can become a nightmare for public relations. This session demonstrates how a social media attack can be constructed. A successful attack could in one day cause the credit union to lose market share, accounts and produce negative publicity that might eventually cause a credit union to merge. This presentation demonstrates the need to monitor your credit union's image as it appears on social media websites. We discuss embarrassing problems that other businesses and financial institutions have had to handle – and proactive solutions that will keep your credit union in the "Like" category.
Session objectives
Barry Thompson is a writer, author and internationally recognized speaker who contributes to Bankers' Hotline, Bankersonline.Com and other financial publications. He is a security and compliance "guru" for Bankersonline.Com and organizes security conferences for trade groups. He has made presentations in Brussels, Belgium to European Bankers on Internal Fraud; at the United Nations on Identity Theft, and to Japanese Bankers on Bank Security.
Barry has worked in the financial services industry for over three decades, and has held the positions of security officer, compliance officer, treasurer, senior vice president, and executive vice president. He has been interviewed by Newsweek, Computer World, as well as other national and regional publications.
During his career, he has handled over 900 security cases. Barry has been involved with investigations and prosecutions at the federal, state, and local levels, and has testified before grand juries, county courts, bankruptcy courts, family courts, and the New York State Supreme Court.
Barry is a member of the American Society for Industrial Security (ASIS); the International Association of Financial Crimes Investigators; an associate member of the Association of Certified Fraud Examiners. Barry holds the designation of "Certified Regulatory Compliance Manager" (CRCM).
With the inundation of social media and mobile devices, the way we communicate in today's world has changed. Limited character space (and limited attention spans) has produced what is almost a whole new language. In this program, Darrin helps people learn how to interpret all the acronyms, abbreviations and different ways people communicate on Twitter, Facebook and via text messages. It's a fun look at the proper way to respond to customers, prospects and constituents in today's digital age.
Smartphones and Tablets. Everyone has them. And the technology is better than ever. With more than 50% of all U.S. Web traffic originating from a mobile device, it is more important than ever for businesses and organizations to understand the mysterious world of mobile marketing. In this session, Darrin takes an in-depth look at what happens when people utilize their handheld devices to access websites, social media, email and other communications. He discusses how iPhones, iPads and other mobile devices have changed not only how people access information online but also how they put that information to work for them. More importantly, he shows you how to properly reach those people via a device that is personal to them.
Darrin goes into detail about the 5 things that businesses and organizations need to know about marketing to the mobile marketplace, including how to keep up with Google's most recent changes involving mobile searches. In addition, Darrin discusses the pros and cons of "apps." He talks about how constant connectivity has changed our desire for more information and what organizations can do to provide more. He also demonstrates what it means to make your site more "mobile friendly" and whether or not you need a mobile-specific design. Finally, he'll explain what a "responsive web design" is and if it is right for you and your organization.
This is a fun look at an important subject for all businesses and organizations in this mobile age.
Darrin is the President and CEO of eVibrant, an organization focused on helping small businesses across the country with their marketing needs. Darrin has spent a large portion of his career as a cutting-edge leader in online marketing. Prior to founding eVibrant Darrin served as the Vice President of Marketing for the social network Affluence.org. While there he learned the social network industry inside and out.
In addition to his expertise in social media, Darrin also developed an unmatched expertise in other forms of online marketing, including search engine marketing. He has personally managed thousands of search marketing campaigns and millions of keywords. As the Director of Operations for a leading affiliate network, Darrin worked hand-in-hand with companies promoting a variety of different products and offers.
Darrin has also served as the Director of Marketing for companies focused on developing shopping cart software, and preventing search engine click fraud. He has served as the Director of Admissions/Marketing at Allen County Community College in Iola, Kansas.
He developed his speaking style through years of experience in broadcasting. He has hosted his own radio show and he has performed both play-by-play and color commentary duties for college and high school sporting events on both television and radio.
Darrin now speaks for groups of all sizes and types across the country. His one-day Bootcamps have become popular among small businesses and private schools.
What matters most to middle- income American credit union members? At CUNA Mutual Group, we believe that by listening to members and sharing insights with our credit union customers, we can improve our collective ability to serve credit union members. Join us as we reveal insights from this phase of research into how middle-income Americans define success across generations.
Alison Fleming is a TruStage sales specialist for CUNA Mutual Group. In this role she provides expertise on the TruStage program and products to account managers and their credit unions, and is based in Hope Mills, North Carolina.
Fleming began working for CUNA Mutual Group in 1997 as marketing manager for the National Association of Retired Credit Union People program, which provided a package of benefits to members over the age of 50. She has worked in all facets of the TruStage program, including marketing strategies, product marketing manager, sales officer, and as sales specialist since April 2006.
Prior to joining CUNA Mutual Group, Fleming was the director of Marketing for the Card Services Group of CUNA & Affiliates for four years, working directly with credit unions to develop credit card programs and build card portfolios using pre-approved marketing programs. Before that, she spent seven years in the advertising industry, specializing in financial services.
Fleming earned a bachelor's degree in Marketing and English from the College of St. Catherine in St. Paul, Minnesota. In addition, she has been featured as a speaker at CUNA Mutual Group's annual Discovery Conference on direct marketing of financial services.
You started an MBL program and found some initial success. After the first couple of years, though, loan originations have stagnated. You may have experienced turnover in your department. Maybe you just need to hear how others have continued to reinvigorate their programs. This session will be a roundtable discussion hosted by a 12-year MBL veteran to explore and discuss various ways to re-build your existing MBL program and keep it on target.
Scott Humphreys is the Vice President of Business Lending at Amplify Credit Union (AFCU) and has been with the CU since early 2014. AFCU has been serving its Austin members since 1967 and its business members since 2008. Scott has been supporting the credit union MBL industry since 2003, spending over 10 years with CU Business Group. A native of the Pacific NW, Scott earned his Bachelor's degree in finance from Northern Arizona University. While still a relative newcomer to the Austin market, Scott believes that local businesses support the local economy. This philosophy is what drew him to the credit union world and helps him learn about the world he now calls home.
Don't miss your opportunity to visit over 90 exhibitors as they showcase the latest products and solutions that will provide the answers to your credit union's challenges, all in one location!
View Current List of Exhibitors
For information on exhibiting, please contact
Nithya Ram at email@example.com or 469-385-6643.
Canyon Springs Golf Club
Deadline to register is Friday, August 28.
More Information & Registration
Golf is back! Putting Fore a Purpose: Support our industry's charity of choice, The Children's Miracle Network, at this fun outing. The natural beauty of the Texas Hill Country is the focus of the Crenshaw Cliffside course located at the Barton Creek Resort & Spa in Austin where you will network with other credit union professionals and scramble to gain high score.
11:30 a.m.
Boxed Lunch
12:30 p.m.
1:30 p.m.
Shotgun Start
4 Person Scramble with Shotgun Start (teams assigned closer to date of event)
$175 per golfer
Fee includes: green and cart fees, range balls, and lunch.
Cancellation Policy: refunds will be available provided you arrange for a replacement player.
Registration deadline is Tuesday, March 10.
From Downtown Austin: Start at West Sixth Street; Continue on W 6th Street which becomes Lake Austin Boulevard; Turn left on Atlanta Street (access road to Loop 1); Enter ramp to Loop 1 South (MOPAC Expressway) and go 0.8 miles. Take the Rollingwood/West Lake Hills (2244 Bee Caves Rd) exit; Turn right on Bee Caves Road and go 4.7 miles; Turn left on Barton Creek Boulevard and go 1.8 miles; Turn Left on Barton Club Drive into the Resort complex. There are three buildings-Country Club, Spa and Resort on Barton Club Drive. Take the third entrance to your left. There will be a sign that reads: Resort.
Thank you to our 2015 sponsors!
Interested in sponsorship?
Contact Tamra Fairbrother at 469-385-6632 or email email@example.com.


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Fun and safe racing! With a 6ft-long track and classic-style race car, the Flyer 500™ provides endless fun for kids. The car can be used for both on and off-track riding, and everything fits into the base for easy transport and storage!
|2-5 Years
|14.25" L x 10" W x 22" H
|Ramp Dimension:
|77" x 12"
|Step Dimension:
|11" x 6"
|Wheel Dimension:
|5.25" x 1.25"
|Seat to Floor:
|19.5 lbs.
|Weight Capacity:
|50 lbs.
|Carton Dimensions:
|29.88" L x 14.75" W x 20.50" H
|Download Assembly Instructions
|Product Review
My 15 month old loves this! He got it for christmas 2015 from his grandma. It took him just a couple times to get the hang of it. Now he rides it non stop. He has learned to push it back up the ramp and into place, then walks around to the step to get on and ride. I only wish there was additional track to buy. We are very happy with this product!!! (Posted on 1/17/2016)
|Product Review
Our two little girls received this for Christmas and LOVE it. Very easy to put together and to store away! Great product! Hours of fun
Please note this reviewer received points for writing this review through Little Red Club. (Posted on 1/14/2016)
|Product Review
My boys are 2 and love this toy and will ride it over and over. Wish it did have a backrest and somewhere to put their feet. While going down they have to keep their feet up or around ramp and sometimes forget and get their feet stuck if they don't ....so this toy does require a lot of supervision
Please note this reviewer received points for writing this review through Little Red Club. (Posted on 1/12/2016)
|Product Review
My daughter just got this for Christmas of this year 2015 she loves it I love it only thing that I do not like about it there is nowhere for her to put her feet (Posted on 12/25/2015)
|Product Review
My son got this for his 2nd birthday. Took him a couple days to get the hang of it but loves it. Must supervise your child while playing with it to ensure safety and the kids won't get hurt!!! I am around 130lbs and 5' tall and have no trouble using it so a 2 year old isn't too big for this toy! I like that it all stores within itself and is super easy to set up and take care of! Definitely recommend for any fun loving child/family! (Posted on 11/21/2015)
|Product Review
My son flipped over the cart, chipped his tooth and scratched his face up. I Do NOT recommend. His friend used it and fell on her face too! It's very poorly designed, the drop is to steep and the cart is to low which makes their feet hit the ground and flips them forward. They are both 2 years old and way to tall for it, I guess it's constructed for a 1 year old.
*********************Radio Flyer Customer Service**********************
Hi Denise, Thank you for your review. We apologize for the experience your son has had with our product. We take these matters very seriously and would love an opportunity to discuss this further with you to identify the cause. Please contact our Customer Service Team at 800.621.7613 and we will provide you with additional support.
(Posted on 3/26/2015)
|Product Review
My son just turned 2, he's not completely ready to use this toy since it practically has no backrest, and falls back. He's not a very active child yet because we limit him on his physical activies, to try to prevent some sort of injury. If at 2 your child is fully active and has the practice of jumping up and off of places, I'm sure they'll be fully capable of holding their weight on the car, since the car does go a bit fast, it has a slightly steeper drop compared to the Step 2 Roller Coaster. I also wish it had a foot rest, it has none at all. Child needs to wrap legs aroung car. As for ourselves, in a few months my child should be ready to ride without my help.
The fact of it having easy, built in storage was the reason I decided to go with Radio Flyer not Step 2. We're limited in space, considering all the other toys my son owns. Overall I do recommend to everyone. (Posted on 3/26/2015)
|Product Review
We chose this this thinking it would be better than the step 2 up and down rollercoaster, but it is not I wish i stuck with what I knew. I would like to suggest that you all redesign the ride on part and put a foot rest on it, then offer it for sale or exchange for the original so slightly challenged children can en joy it without falling off. Every time my 3 year old grand-daughter got to the bottom, she would flip over the ride on , thus making this a waste of our money and cheating her out of her birthday gift! Seriously unhappy! I would also like to know if the little red fire engine would work on the track.
********************Radio Flyer Customer Service**********************
Hi Sue, Thank you for your review. I apologize that the Flyer 500 is not fitting your needs. We will be certain to share your feedback and suggestion regarding the foot rest with our team. The Little Red Fire Engine will not be compatible with the track. If we can be of any further assistance, please contact our Customer Service team at 800.612.7613. We'd like to ensure that you are happy with your purchase! (Posted on 1/19/2015)
|Product Review
my big bugger rabbit loves it ............... (Posted on 12/29/2014)
|Product Review
Love this toy, but I agree with others...really wish that you could buy more track pieces to make it longer! (Posted on 12/26/2014)
|Product Review
My Grandson loves his roller coaster. I only wish we could add track to it. It would be great if it could have another hill and another piece of flat track. Let me know if you have such a thing please. I want in on the money if you like the idea.
**************************Radio Flyer Customer Service***************************
Hi Kathleen, Thank you for your review! We are happy to hear your grandson is loving his Flyer 500. At this time, we do not have additional track that can be added onto the roller coaster, but we thank you for the feedback and suggestion! (Posted on 10/26/2014)
|Product Review
Son loves loves this he would ride it all day if we would let him. He's 2 :-) Got it for his birthday- best gift ever ! (Posted on 7/17/2014)
|Product Review
I purchased this for my 2 yr old son. It was easy to assemble and he helped out. He thoroughly enjoys riding the car down the ramp. I created a finish line so he could shout out he wins, though he is not racing with anyone else. He rides the car around the driveway and the grass yard. I highly recommend it!! (Posted on 6/5/2014)
|Product Review
Our 3 year old got this for Christmas and it has been so fun! I would recommend this product over and over again! (Posted on 12/25/2013)
|Product Review
bought this for my almost 3 year old granddaughter, she loves it and it is lots of fun.However it could use some foot rests for those kids with longer legs!! (Posted on 11/23/2013)
|Product Review
This is our favorite toy so far. We got this for our son's 2nd birthday and he loves it! (Posted on 9/6/2013)
|Product Review
My girls love this! They are 3 1/2 and almost 2 and they got this from Santa for Christmas. They play on it all the time! (Posted on 2/13/2013)
If you need personal assistance with Radio Flyer products or have general questions, please contact us by e-mail or call us at 1.800.621.7613 Monday - Friday 8 am - 5 pm CST.


text:
piss in jeans and nylon short
By: toutmouille
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Date: 2 years ago
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2 years ago
U R so fuckin hawt!! Do you ever piss your pants downtown, then walk around in your wet jeans? I would like to do that with you, and we can both wet our jeans in public.
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Video Added: 2 years ago
Gender: Male
Sex Preference: Bi-Sexual
Age: 51
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text:
A three years cruise in the Mozambique Channel
Dawsons, 1969 - History - 319 pages
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17 pages matching hospitality in this book
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Common terms and phrases
Alexander Algoa Bay American amongst anchored anxious appearance arrived Augustine's Bay Banyans barge Barnard barque Bassas da India beach Bembatooka Bittern blacks boat breakers brig bullocks canoes Cape Captain Wyvill cargo casks Caswell Cleopatra clouty coast colours command commenced cruise deck Delagoa Bay dinner dollars English fathoms following day four fowls gave Governor-General guns H.M.S. CLEOPATRA half Hamza hand heavy Hill hippopotami hospitality Imaun island Jaseur Johanna land learnt Lieutenant look Luabo machilas Madagascar Majunga master Mauritius miles Molesworth morning Mozambique Channel NATIVES night O'Hagan officers passage pinnace poor port Port Natal Portuguese pumps Quilli Quillimane area received reefs Renaud returned river round sail Sappho schooner Senhor Azvedo sent on shore ship Simon's Bay slave trade soldiers soon stern took town vessel whilst whole wind wreck Zanzibar


text: After yet another crazy drive, we parked at the very end od the pier and walked back to here. We were looking for pizza and wandered in here. They have a full menu and a pizza menus. Service was very friendly and we ordered pizza for us and the kids. Mit was good not great but yet another... read more


text:
This article discussing the current talks between the governments of Uruguay and the United States about Uruguay's possible acceptance of five prisoners from Guantanamo quotes Cynthia J. Arnson, Director of the Latin American Program:
Uruguay, sandwiched between Brazil and Argentina, has built close ties with the Obama administration, said Cynthia Arnson, director of the Latin America program at the Woodrow Wilson Center in Washington. "My sense is there's been a very close working relationship between the two countries," she said.
Read the rest of the article here.


text:
Downloading Outlook Remove Duplicates 15.0
Download In Progress......Description:
Facing a scenario where you have to deal with duplicate email items constantly can get quite annoying. However, not to worry, you can quite effectively get rid of such conditions just by performing Outlook remove duplicate email item action. And, the best way to carry such operation is by using a proficient outlook remove duplicates tool like Kernel for Outlook Duplicates.


text:
Welcome To My Church
We're So Glad You're Here! Thank you for visiting the My Church website. Our hope is that you will come be a part of all God is doing in people's lives. We know that Jesus came to give us abundant life and our desire for you is that you would experience real life found only in Jesus.
Service Times:
6pm Sunday Night (Main Service)
11am Sunday Morning (Happy Hour)
7pm Wednesday Night (Family Night)
Feeding Ministry:
Wednesday Evening: 7PM – 7:30PM
Sunday Morning: 10AM – 11AM
Sunday Evening: 5:30PM – 6PM


text:
Journal Sentinel business reporter Tom Daykin talks about commercial real estate and development.
MSOE student apartments to open by August
The first phase of Milwaukee School of Engineering's new $25 million student apartments will be completed by the end of August, President Hermann Viets said Monday.
MSOE last year bought a 14-story building, at the southeast corner of N. Water St. and E. Juneau Ave., which was initially planned as a hotel and apartment building. Work on that project stopped after money ran short during the 2008 financial crisis.
The university will open 102 apartments for students for the start of the 2014-'15 academic year, Viets said during a city Plan Commission meeting. All of those units have already been rented out, he said, with another 55 apartments on the upper four floors for MSOE faculty and staff to be completed by spring 2015.
The commission approved changes to the building signs that will add the word "University" beneath the MSOE logo to better identify the building.
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Read and share your thoughts on this story.


text:
House Rules Debate
Members debated the adoption of House rules on the first day of the 112th Congress.
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Congressional scholars Norm Ornstein, Don Ritchie, and Matthew Wasniewski talked about the opening day of the 112th…


text:
Beth and Mick by spencerxoWatch
©2007-2016 spencerxo
Sophia Myles as Beth Turner
Alex O'Loughlin as Mick St John
new fav show.. xD
Alex O'Loughlin as Mick St John
new fav show.. xD
OH MY GOSH JUST KISS. xD i'm sittting there, going "Your so close Mick come on- NO DONT DO THAAAAAAT!!!"
Love this show! So aoyed its cancelled
My new FAVE Show too. Gawd its awesome!!!!!
Love this btw, it looks just like a real photo.Amazing
Love this btw, it looks just like a real photo.Amazing
I love 'Moonlight' ^^ Mick, be my boy *3*
That was the best show and this was a great episode. I really miss it, they need to bring it back.
Great show! It's a shame that they cancelled it. =/
Love the show. Can't wait for the new episodes in April !
most beautiful couple on the face of the earth!
OMG THEY BE SOOOOOOOOOOOO KUTE!!!!!!!!!!! I LOVE MOONLIGHT!!!!!!!! XD its GREAT! and im watching it now!! lol
IMick St John
beautiful scene . i love mick and beth
Me too ,I'm starting to cry everytime I see him like those girls who used to cry and faint when they see the beetles
can't wait to see that moment on screen!
he's going to suck her blood!! AAHH! i can't wait! ahahahah. +fav
my new fav show too


text:
iHerb 顾客评论
Did not like the taste at all
2 个顾客认为以下的评论有帮助
Reviewer3181092发表于 Aug 30, 2011
I am drinking VitaCoco currently on a daily basis and decided to try this Zico brand. I did not like the flavor at all. It was hard to drink this.
2 个顾客认为以下的评论有帮助
Reviewer1150203发表于 Dec 14, 2012
this tasted not like coconut water at all, but plastic! disopointed. i love coconut water, but it costs 10-12$ in Norway so i dont buy it as often.
FAKE coconut water!
12 个顾客认为以下的评论有帮助
PurplePegasus发表于 Apr 03, 2012
Beware the Zico bait & switch! Zico sold the company to Coca Cola in 2009 and of course they ruined this formerly health product! It went from being pure delicious real coconut water to some fake processed tap water product with dehydrated coconut water flavor added to reconstitute the original! If you don't enjoy fluoride, chlorine, halogens and other tap water toxins, you'll stay away from this!
Wouldn't recommend
1 个顾客认为以下的评论有帮助
Reviewer3078522发表于 Sep 14, 2011
Small amount, big price. Not that tasty -- and I really like coconut water!
Fresh from the coconut
1 个顾客认为以下的评论有帮助
Reviewer3251189发表于 Jun 16, 2011
A refreshing flavor, tast just like fresh coconut water:)


text:
Auto Dealers, Sunbury, PA
Toyota OEM Parts World
Serving your area
Jim's Used Cars
9 Main St, Montandon, PA 17850
9.4 Miles
"My family has been buying cars from Jim for twenty years and has had nothing but good experi...">
Buck's Car Sales Inc
4723 Westbranch Highway, Lewisburg, PA 17837
8.6 Miles
"Great service, wonderful customer service :) The best around!">
Baumer Repair Shop
2824 Johnson Mill Rd, Lewisburg, PA 17837
14.5 Miles
"Had a 93 Toyota Camry and Mr. Baumer can not only be trusted, but was very service oriented ...">
Zimmerman's Chrysler Dodge Jeep
1301 Market St, Sunbury, PA 17801
.8 Miles
"I personally know 2 people who paid for oil changes there only to discover later the work wa...">
Zimmerman's Chrysler Dodge Jeep RAM Truck
207 N Susquehanna Trl, Selinsgrove, PA 17870
4.9 Miles
"I personally know 2 guys that had their oil changed at Zimmerman's Sunbury location only to ...">
Bob-Cats Auto Sales
Rr 1, Shamokin, PA 17872
10.6 Miles
"Bought a pickup here. After a while the engine bearings went out. Then the transmission went...">
Center Street Motors
1000 Center St, Coal Township, PA 17866
10.6 Miles
"I noticed a Ford pickup on the lot with a bent frame. If you looked along both left and righ...">
Bastian Tire & Auto Centers
3155 N Susquehanna Trl, Shamokin Dam, PA 17876
2.6 Miles
Super Autos
1553 Market St, Sunbury, PA 17801
.9 Miles
Triangle Auto Sales
230 N 5th St, Sunbury, PA 17801
1.5 Miles
Susquehanna Valley Motors
160 Performance Rd, Sunbury, PA 17801
.7 Miles
Sears Auto Center
1 Susquehanna Valley Mall Dr, Selinsgrove, PA 17870
4.3 Miles
Sunbury Motor Company
943 N 4th St, Sunbury, PA 17801
1.9 Miles
Motors Sunbury
943 N 4th St, Sunbury, PA 17801
1.9 Miles
Peebles Edward F
600 Woodlawn Ave, Sunbury, PA 17801
1.3 Miles


text:
Self employed for the last 18 years, I have written eight ebooks, which are in the Kindle store of Amazon. I am currently a writer for the Examiner website, CBS Local-Sacramento and Believe.com. I spent 18 months working with a multi-million dollar non-profit as their Public Relations Director where I implemented new events to promote their cause. I previously worked for a monthly newspaper which also did design work for all print media. In that position I authored articles, edited the writers, designed all print media, as well as designing the ads for the paper. More recently, I have edited articles, edited ... morebooks, written articles and books, as well as ghost written a few books for my clients. My objective is to find a project that is a challenge, one that causes me to reach for the stars on behalf of the one paying for the project to be done. less
Deb Ling has added 8 portfolio pieces. Create an account to review them.
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|Score (out of 5)
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|Creative Writing Test - Fiction (U.S. Version)
|Above Average
|17 mins
|Office Skills Test
|Top 10%
|18 mins


text:
I hope we feel like this forever
Forever, forever ever, forever ever?
Forever never seems that long until you're grown
And notice that the day by day ruler can't be too wrong
Lyric Meaning
Young couples often throw the word "forever" around like it means nothing because they aren't old enough to understand how long forever really is. When you get older, you realize that taking things day-by-day is rarely the wrong choice – even if it is less exciting than making promises to stay together forever that you really can't keep.
André never thought much of what "forever" really meant, but when he really analyzes it (as shown by his constant repetitions), he realizes how unlikely it was for a young couple like he and Erykah to stay together for life.
The repetition of "forever" was later used by Kanye West in his song "Diamonds from Sierra Leone", Big K.R.I.T. in "R4 Theme Song", and Capital STEEZ in his song "Evol Love".
Improve the quality of Ms. Jackson Lyrics by leaving a suggestion at the bottom of the page


text:
This telephoto zoom lens is designed with Canon's Optical Image Stabilizer technology while retaining compactness and lightness, in response to demands of photographers.
This high zoom ratio lens is equivalent to a focal length of 88-400mm in the 35mm format (when used on Canon EOS cameras compatible with EF-S lenses) and the image stabilizer effect equivalent to a shutter speed about 4 stops faster than the same size lens without Image Stabilizer.
In other words, if the slowest shutter speed you could formerly hold a 250mm lens steadily was 1/250th of a second, with Canon's 4-stop stabilization correction, you could hand-hold at shutter speeds as slow as 1/15th of a second. It also uses a UD-glass lens element to correct chromatic aberration for excellent image quality throughout the zoom range.


text:
Wikipedia:WikiProject Christianity/Baptist work group
From Wikipedia, the free encyclopedia
|This is a WikiProject, an area for focused collaboration among Wikipedians.
|This is a WikiProject, an area for focused collaboration among Wikipedians.
WikiProject Christianity: Baptist Work Group
Welcome to the Baptist work group of the Christianity WikiProject! This task force seeks to create, improve, maintain, and provide a standard of consistency for articles about Baptists, as well as create a forum in which interested editors can work together to improve articles.
Article assessments
Recognized content
Article statistics
▼ Baptist
► Baptists
For the full list of categories, see Wikipedia:WikiProject Christianity/Baptist work group/Categories.
The following templates can be used on pages in Wikipedia to associate them with the Christianity WikiProject. Click on a template's title to see a sample of what it produces when included on a page. For a full list of Christianity templates see the main template page.
Main templates
Stub templates
If you are interested in becoming a regular contributor to the efforts of this task force, please feel free to sign your name below with four tildes (~~~~). Also, if you have not already done so, we would encourage you to join our parent project, WikiProject Christianity. Members will receive the project newsletter automatically. To unsubscribe, add yourself to the list here.
We also have our own user box. Add {{User Baptist WikiProject}} to your page and it will make: Template:User Baptist WikiProject


text:
Don't burn yourself out when you first start exercising. Do activities you can ease into. The habitual part is what's important at first, and the ability to do more difficult and more strenuous workouts will come with repetition and time.
OverdriveOnline.com strives to maintain an open forum for reader opinions. Click here to read our comment policy.


text:
With 1.7 million freelancers, we'll match you with the perfect talent.
The client has made the following changes to the job.
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Top Definition
Ass-to-Grass. A type of squat in weight lifting where one goes as deep as possible.
1)I'm squatting ATG today for 5x5.
2)If you want to get swole, you gotta squat ATG!
2)If you want to get swole, you gotta squat ATG!
by Mr. Deeds October 24, 2006
ATG (Anti-thymocyte globulin or AtgamÒ) is a medicine used prevent rejection in different types of transplantation, treatment of graft versus host disease and in certain patients with aplastic anemia. It does this by suppressing the body's own immune system. It is available as an injectable medication.
Got some shitty news about the ATG tonight. It's not working.
by q February 01, 2005
ATG=Any Thing Goes. Usually said in conversation before a crazy night out with someone.
"what you wanna do tonight?"
"Idk, ATG."
"Aright that's cool with me"
"Idk, ATG."
"Aright that's cool with me"
by NervousClassGoerSaysRoar September 06, 2012
All that good shit
Used in IMing during online video games, for example, GL, HF, ATGS
by iluvthtre July 27, 2008
Aren't Tits Great?
Use to compliment an excellent pair of jugs.
Use to compliment an excellent pair of jugs.
<While ogling at a pair>...
"Dude, ATG, man, ATG!"
"Dude, ATG, man, ATG!"
by Geoff December 15, 2004


text:
HIM: Venus Doom by jdesigns79Watch
©2011-2016 jdesigns79
HIM: Venus Doom
made circa 2008-2009
made circa 2008-2009
very lovely
The design of HIM:Venus Doom pretty sweet never knew of the group before but I saw they been around sense 91 woo. Still pretty sweet also found out at the 50th annual Grammy Awards, Matt Taylor and Ville Valo, for HIM, was nominated for "Best Boxed/Special Limited Edition packaging" for Venus Doom. Venus Doom.
I really love HIM!! Awesome design! I love the colours


text:
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LESS THAN PERFECT: I am less than perfect because my stickers no longer stick on their own. Luckily, this is easily fixed with a glue stick, which you might already be using on other scrapbooking embellishments. With a little glue, I am as good as new and you get a great deal on these Halloween craft supplies.Got some craft kids at home? Let them get involved in creating their own Halloween craft or scrapbook page with ease using this value-priced Halloween Kids Mini Scrap Pack. Featuring six 8" x 8" sheets of paper in spooky, family-friendly designs and 105 assorted stickers on 2 sheets, this pack of scrapbook supplies makes a wonderful activity for kids to enjoy while munching on all their Halloween candy. (8 pcs. per unit) Paper, 8" x 8"; stickers, 1/8" - 3 1/2" x 1/8" - 3 1/2"
1 Set(s)
Winter Fun Loop Assortment Kit
1 Set(s)
Now $1.48
4.7 out of 5
Halloween Fun Loops Assortment Refill
500 Piece(s)
Now $0.78
5.0 out of 5
Pink Fun Loops Refill
3.5 out of 5
Colors Of Faith Fun Loops Assortment Refill
3.7 out of 5
Wild Wonder Matching Memory Game
4.0 out of 5
Mini Valentine Heart Doilies
100 Piece(s)
4.6 out of 5
Snowman Coaster Craft Kit
Makes 12
3.2 out of 5