Filing for board seats begins November 15, 2003 Regular News Filing for board seats begins Filing for Bar president-elect for the 2004-05 year begins November 15, with a deadline of 5 p.m. December 15. The Bar is also continuing to accept nominating petitions for 23 Board of Governors and 19 Young Lawyer Divisions Board of Governors seats.According to Bar rules, president-elect candidates cannot begin active campaigning and soliciting support until November 15. To qualify, they must submit a petition signed by at least 1 percent of the Bar’s active membership, or around 650 signatures.The winner of the post will serve as president-elect designate until the June Annual Meeting when he or she will be sworn in as president-elect when Kelly Overstreet Johnson is sworn in as president. In June 2005, the winner will become Bar president.There are 23 seats on the Board of Governors up for election this year, each for a two-year term.Six of the incumbent board members have indicated they are not seeking reelection: Alan B. Bookman in the First Circuit, Seat 1; Louis Kwall in the Sixth Circuit, Seat 1; Francisco R. Angones in the 11th Circuit, Seat 1; David Bianchi in the 11th Circuit, Seat 7; Robert C. Blue, Jr., in the 14th Circuit, Seat 1; and Michael T. Krantz in the 15th Circuit, Seat 3.Board members who have indicated they are seeking reelection are: Michael J. Glazer in the Second Circuit, Seat 2; Gregory S. Parker in the Third Circuit, Seat 1; S. Grier Wells in the Fourth Circuit, Seat 1; Chas. Chobee Ebbets in the Seventh Circuit, Seat 1; Mayanne Downs in the Ninth Circuit, Seat 1; Warren W. Lindsey in the Ninth Circuit, Seat 3, Robert M. Brush in the 10th Circuit, Seat 1; Ervin A. Gonzalez in the 11th Circuit, Seat 3; Don L. Horn in the 11th Circuit, Seat 5; Timon V. Sullivan in the 13th Circuit, Seat 1; John G. White III in the 15th Circuit, Seat 1; Alan C. Brandt, Jr., in the 17th Circuit, Seat 1; Jesse H. Diner in the 17th Circuit, Seat 4; Clifton A. McClelland, Jr., in the 18th Circuit, Seat 1; J. Christopher Lombardo in the 20th Circuit, Seat 1; Ian M. Comisky in the Out-of-State, Seat 2; and Brian D. Burgoon in the Out-of-State Seat 4.Bar members can qualify for a board seat by submitting a nominating petition signed by five Bar members in good standing who reside in their circuit.Nine of the YLD Board of Governors incumbents have indicated they are not seeking reelection: Courtney K. Grimm in the Fourth Circuit, Seat 1; Bonito J. Young in the Eighth Circuit, Seat 1, John Marc Tamayo in the 10th Circuit, Seat 1; Morgan R. Bentley in the 12th Circuit, Seat 1; Cecelia R. Boyd in the 14th Circuit, Seat 1; an open seat in the 16th Circuit, Seat 1; Clifton H. Gorenflo in the 18th Circuit, Seat 1; Joseph G. Colombo in the 18th Circuit, Seat 2, and Eric L. Meeks in the Out-of-State, Seat 1.YLD board members seeking reelection are: William L. Sundberg in the Second Circuit, Seat 1; Kelly A. O’Keefe in the Second Circuit, Seat 2, Curry G. Pajcic in the Fourth Circuit, Seat 2; Jewel W. Cole in the Sixth Circuit, Seat 1; Brandon S. Vesely in the Sixth Circuit, Seat 2, Alison H. Haskins in the 12th Circuit, Seat 2, Cynthia J. Hubbard in the 10th Circuit, Seat 1; Carlos A. Kelly in the 20th Circuit, Seat 2; Victoria E. Wu in Out-of-State, Seat 2; and Scott E. Atwood in Out-of-State, Seat 3.To qualify for a YLD board seat, candidates must submit a nomination petition signed by five YLD members in good standing in the candidate’s circuit.Ballots for contested races, either for president-elect or the board races, will be mailed on or before March 1 and must be returned no later than midnight, March 22. Once again this year, the Bar will be offering members the option of voting with a paper ballot or electronically online at a special site put up by election.com, the Bar’s election’s company.
5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Michael Fryzel Michael Fryzel is the former Chairman of the National Credit Union Administration and is now a financial services consultant and government affairs attorney in Chicago. He can be reached at … Details Not too long ago in major cities across this country it was not unusual to see someone walk to the curb, raise there arm and yell “taxi” as they tried to flag down a cab driving by. Other than personal vehicles and buses, taxis were the mode of transportation if you wanted to travel through the city or head to the airport. Cabs would line up at hotels, train stations, convention centers and major office buildings as well as being hailed from the street.The taxi industry thrived. Some individuals made it their life’s work to drive a cab. The hours were long, weather conditions at times treacherous, passengers sometimes rude or even intoxicated but the appeal of being your own boss, setting your hours and making a decent living appealed to many.In cities like Chicago and New York every taxi is required to have a medallion. The medallion serves as the license or permit for an individual to drive a taxi and pick up customers. The medallion can actually be seen on the vehicle as it is usually bolted to the hood.Cities limit the number of medallions they issue making these permits to drive a taxi very valuable. They can be owned by individual drivers or by companies who then lease them. Medallions can be sold between parties or are sometimes auctioned by the city issuing them.In 2011, in the City of Chicago, 397 medallions were sold with most commanding a price of over a quarter million dollars. In New York, two medallions earned a bid of 2.5 million. In 2015, in the City of Chicago, 14 medallions were sold ranging in price from $150,000.00 to $290,000.00. In 2016, in the city of Chicago, only one medallion has been sold to date at a price of $95,500.00.What has caused this drop in sales and price? Competition from companies like Uber and Lyft. Rather than trying to get a cab standing on a street corner in the rain, snow or dark of night, you can use your iPhone to order a Uber or Lyft to pick you up from a location you designate. The vehicle that arrives can be a Lincoln, Cadillac or SUV. They are usually cleaner and roomier than most taxis, can have complimentary water and candy and the fare and tip are automatically billed to your credit card. In addition, within minutes after your ride ends a receipt is sent to your phone and you are able to rate your driver.The taxi industry is claiming this competition is killing their industry and is unfair because Uber and Lyft drivers do not always have to meet the same licensing requirements as taxi drivers. They say their industry is on life support.The impact in the decrease of the value of the medallions goes beyond the taxi industry. A small number of credit unions have been lending money to medallion owners for years. It was a smart loan backed by collateral worth hundreds of thousands and to an industry that has been around for decades.Unfortunately, some of the credit unions have overloaded their portfolios with these medallion loans and are now experiencing the same impact of those who over concentrated in the housing market and failed to diversify. The loans are underwater, many are in default and serious losses have been created.Some believe the actions by the taxi industry to run a better, more efficient business model as well as the cities attempt to level the field amongst transportation drivers, is too little too late.Likewise, the failure of the credit unions to see the shifting trend and diversify their loan portfolios may also be too late for them to restructure and survive.It is an unfortunate occurrence for the taxi industry and their lender. One failed to keep up with changes in their industry and the other failed to minimize their risk. It is a tough lesson but hopefully it is one that others will learn from and act on sooner than later.
continue reading » President Donald Trump sighed a bill Friday funding the federal government through Sept. 30, the end of fiscal year 2019. The bill fully funds several credit union loan and grant funds, and report language addresses several ongoing CUNA advocacy priorities.It funds the Treasury’s Community Development Financial Institutions (CDFI) Fund at $250 million. The CDFI Fund CDFI Fund makes capital grants, equity investments and awards for technical assistance to certified CDFIs, 285 of which are credit unions.It also funds NCUA’s Community Development Revolving Loan Fund at $2 million, the same as previous years. The fund functions as revolving loan program and a technical assistance program for credit unions.CUNA-requested language in the legislation includes calling on: ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr While fintech companies have been at the leading edge of artificial intelligence (AI)-powered innovation, financial services marketers are making up ground fast. McKinsey Global Institute says healthcare, financial services, and professional services have seen the greatest increase in their profit margins because of AI adoption.Advances in digital and mobile banking have created a “greenfield” of new opportunities for bank and credit union marketers, including leveraging data to map, analyze, and optimize the customer journey through inbound and outbound marketing interactions.For financial brands beginning to transform their marketing, there are five best practices that will enhance customer engagement across the customer journey.
When you’re in the business of auto lending, collateral recovery can be an expensive and risky endeavor. While no lender wants to repossess their borrowers’ vehicles, sometimes it’s necessary in order to recoup as much of your asset as possible. That being said, when you work with third-party recovery partners, it’s critical that you ensure they have a documented code of conduct for their agents. Because these individuals are dealing directly with your borrowers and are a reflection of your financial institution, proper conduct practices are important to preserve your brand and reputation. Every organization will have a policy that is unique to their culture and company rules, but here are 7 examples of some of the prohibited behavior that you should look for in your collateral recovery partners’ code of conduct.1. False, deceptive, or misleading representative practicesYour partner’s code of conduct should prohibit their agents using any sort of false, deceptive, or misleading representation practices, either verbal or written, during the recovery process, including stating that they are employed by a consumer reporting agency. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »
Categories: Letters to the Editor, Opinion Re April 26 letter, “Why the fuss over Sinclair statement?”: Thank you, Jim Rogers, for a sane view of the Sinclair statement. All the fuss makes no sense because the statement should be espoused by all responsible news outlets. Just because it was made by a person with different political views doesn’t make it untrue. People send junk from Facebook and other social media without researching the facts and claim it to be true. Like Jim, I believe most of those who are critical of Sinclair haven’t even read the statement, but merely pick out some item from their favorite critic and blow it out of proportion. This is a perfect example of people who don’t do much research and will believe anything. Find a specific item you don’t agree with and have a discussion.So until you take the time to read the Sinclair statement, perhaps it might be better to say nothing.Gerard F. HavasyClifton ParkMore from The Daily Gazette:EDITORIAL: Thruway tax unfair to working motoristsGame 7: Shenendehowa grad and Braves rookie Ian Anderson gets start with World Series spot on the li…High-risk COVID exposure reported in Clifton ParkEDITORIAL: Beware of voter intimidationFoss: Should main downtown branch of the Schenectady County Public Library reopen?
Auctioneer Paul Curtain sells the property at Frank Street, Norman Park as he makes the final winning bid call at $860,000. (Photo by Bradley Kanaris/AAP)Place — Bulimba selling agent Shane Hicks said the property was as “rare as hen’s teeth”.“The home has character overlay so that it makes an ideal renovator for a family that would love a big block and a beautiful colonial style Queenslander this close to the city,” Mr Hicks said.“The owner moved in when she was five years old and her father built the home.” The home at 40 Bernborough Place, Bridgeman Downs.Ray White — Bridgeman Downs selling agent Sonya Treloar said four registered bidders were on site and a crowd of about 50 people.Ms Treloar said a local couple from the area wanted an acreage property.The four-bedroom, two-bathroom home has a six-car garage and an in-ground swimming pool. 40 Bernborough Place, Bridgeman Downs.Award-winning gardens and amazing water features drew the new buyers to 40 Bernborough Place, Bridgeman Downs. The property went to auction at 10am and sold for $2 million under the hammer. Seller Patricia Coral Mackee and her family with buyers Damien and Vicki Rossi and their son Fionn, and Place — Bulimba agent Shane Hicks at Frank Street, Norman Park. (Photo by Bradley Kanaris/AAP)The three-bedroom, one-bathroom property on a 810sq m block, was held in the one family for two generations.Ms Mackee, 97, said she had lived at the property since 1925.“This was my mum and dad’s home,” Ms Mackee told The Courier Mail.“I’m in a nursing home now and I’m very sad to leave it. I can remember so many things about being here.“I can remember the murder up the road, the park being filled in — it was a rubbish dump many years ago.” FREE: Get the latest real estate news direct to your inbox here. 12 Princess St, Marsden.A three-bedroom, one-bathroom Marsden home, on a massive 1006sq m block, sold for $345,000.The property at 12 Princess St, was bought by an investor.LJ Hooker — Sunnybank Hills selling agent Ben Leong said there were two registered bidders and a small crowd of 10 at the auction.“The investor was bidding on the phone,” he said. The kitchen area at 12 Princess St, Marsden.The highset property backs onto Mudgee Street Park and was marketed as the “perfect place” for investors, business owners and homebuyers.“For investors, this is also a great find, with this home’s dual-living potential offering you the chance to double your money with two separate tenancies at once,” Mr Leong said. Seller Patricia Coral Mackee with buyers Damien and wife Vicki Rossi and their son Fionn at 26 Frank St, Norman Park. (Photo by Bradley Kanaris/AAP)After 92 years living at her Norman Park home, Patricia Coral Mackee was happy to see it passed on to another family.Her property at 26 Frank St went under the hammer at 9am in front of a crowd of about 30 people.With three registered bidders on site, the home sold for $860,000. Check out the carpet at 22 Castle St, Fairfield. The post-war home at 22 Castle St, Fairfield.A post-war home at Fairfield has sold for a mighty $925,000 in front of a crowd of 50 people.The property at 22 Castle St attracted 17 registered bidders at the 11am auction.Russell Matthews Real Estate selling agent Russell Matthews said about 70 groups of people looked at the property in lead up to the auction. The auction crowd at 26 Frank Street, Norman Park. (Photo by Bradley Kanaris/AAP)Mr Hicks said the property had to be restored and could not be knocked down or subdivided.New owners, Damien and Vicki Rossi, were keen on the home the first time they saw it.Mrs Rossi, of Camp Hill, said she had not seen the property until last week.“We loved it from the beginning,” she said.“We loved the potential for it to be a character Queenslander.”More from newsMould, age, not enough to stop 17 bidders fighting for this homeless than 1 hour agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investorless than 1 hour agoMrs Rossi and her husband, who have three children, said they were looking forward to calling Frank St their new family home. Trevor and Bev Sunderland at their Bridgeman Downs home which went to auction today. The couple won awards for their landscaping. (AAP Image/Mark Calleja The kitchen at 22 Castle St, Fairfield.Mr Matthews said a local gentleman bought the property and plans to move in and “do it up”.The property is on a 739sq m block of land and has three bedrooms and one bathroom.
The mansion is on the market for $3.98 million. Picture Glenn HampsonMr Edwards and his wife Christine snapped up the property at auction in March, 2017.“It was a bit tired but it had such magnificent bones, and I’d just retired and needed a project,” Mr Edwards said.In a fairytale transaction, the couple bought the property that they’d fallen in love with almost ten years prior. It took artisans six months to painstakingly construct the staircase. Owners Peter and Christine Edwards inside 52 Royal Albert Crescent on Sovereign Islands. Picture Glenn HampsonSOVEREIGN Islands is known for its extravagant examples of modernity, so a swirl of turrets and 200-tonne regal stone masonry has to almost be seen to be believed.Resplendent on Royal Albert Cres, the waterfront mansion was the “renovation project” of former chief executive of insurer Cover-More, Peter Edwards. A ‘farmer’s kitchen’.“It took artisans over six months to create the turret alone,” said Mr Edwards.The interior is a mecca of European influence with masterstrokes of elegance.“The tiles are French terracotta, then there’s the handpainted farmer’s kitchen, and the cellar has a Tuscan feel,” said Mr Edwards.“The best we can come up with is it’s Spanish-influenced, but then there’s some Italian, there’s French as well.”What can be agreed on is that the residence is unique.While the Edwards have never lived there, Mr Edwards did use the property to host a memorable conference before his retirement.“It was a fantastic location, at night we found the timber, stone and water together takes on a warmth that’s unusual in most homes,” he said. There are multiple formal and informal living spaces. 52 Royal Albert Crescent, Sovereign Islands.Painstakingly, the residence was repainted, the cedar doors and windows were re-stained, European linens were draped floor-to-ceiling, the garden and front yard re-landscaped and timber and Italian travertine tile floors restored.“You have 100-year-old timber hardwood floors that were fully sanded back and restored,” said Mr Edwards.Whimsical Juliette balconies jut from the facade, while the majestic internal turret spirals underneath a glistening chandelier, leading to the master suite with the same views of South Stradbroke Island as the first floor. The Sovereign Islands residence has been restored. The living area features a fireplace.“When we lived in Brisbane we used to holiday here in 2009, it was rented out by its former owner,” Mr Edwards said.After the Edwards moved to Sovereign Islands, coincidentally on the same street, they kept an eye on their former holiday home.“On the day of the auction, Peter just walked up the road to go to it,” said Mrs Edwards.More from news02:37Purchasers snap up every residence in the $40 million Siarn Palm Beach Northless than 1 hour ago02:37International architect Desmond Brooks selling luxury beach villa20 hours ago“We went from not seeing it for eight years and then driving past it and seeing it in not its best light, to then having the time and the opportunity to restore it,” said Mr Edwards.“It’s been a bit of a project of love.” One of the bathrooms at the opulent property.The property is on the market at $3.98 million, and it can be handed to the new owner turnkey.Before its revamp, CoreLogic records show the property first sold for $3.4 million in 2008, then changed hands for an undisclosed price in 2015 before the Edwards bought it for $2.6 million.The property is being marketed through a joint campaign with Edin Kara from Ray White Sovereign Islands and Ivy Wu from Amir Mian Prestige Property Agents.
Ten-year-old Lily Stewart of Greenfield, Indiana, is making quite a name for herself in softball circles. This summer she was entered in the Pitch-Hit-and Run National Contest. She was one of the finalists in her age group at the National League All-Star game in Cincinnati. She finished 3rd of the 24 entrants at this event.Her dad is the softball coach at Greenfield Central High School. He took her along to his practices, etc., and she started playing competitive softball at the age of 2. She now plays on an elite team called the Pendleton Travelers. She is a pitcher and an outfielder. I am sure you will hear more from Lily as the years go by.
Once the leaders entered traffic, Price’s lower line proved beneficial, as the second through fourth place runners were running high and struggling with a choppy cushion. At the checkered flag, Price led runner-up Dodson by two-plus seconds. Thirty-eight cars were entered in the Port Royal show. PORT ROYAL, Pa. (Aug. 24) – Seventeen-year-old Landon Price claimed his first IMCA RaceSaver Sprint Car victory Saturday in the Pennsylvania Sprint Series main event at Port Royal Speedway. Dodson was 1.5 seconds ahead of Price before a lap seven caution. On the restart, Dodson took the outside line through turns one and two and Price charged through the middle to take the lead. Rookie Garrett Bard passed Nick Sweigart for third place on the final lap and Devin Adams finished fifth. Price, whose previous best finish was fifth at BAPS Motor Speedway (twice) and previous best at Port Royal was 13th, took the lead from Doug Dodson and scored a dominating win. By Frank Buhrman and Stephanie Stevens Dodson IMCA RaceSaver Sprint Car career win number one for Landon Price came in the Aug. 24 Pennsylvania Sprint Series event at Port Royal Speedway. (Photo by Christi Baker) Feature results – 1. Landon Price; 2. Doug Dodson; 3. Garrett Bard; 4. Nick Sweigart; 5. Devin Adams; 6. Drew Ritchey; 7. Ken Duke; 8. Kassidy Kreitz; 9. Zach Newlin; 10. Kenny Heffner; 11. Erin Statler; 12. Cale Reigle; 13. Dylan Proctor; 14. Nathan Gramley; 15. Kruz Kepner; 16. Scott Ellerman; 17. Dave Grube; 18. Jonathan Jones; 19. Bob Garvey; 20. Dominic Melair; 21. Jake Waters; 22. Josh Spicer; 23. Dave Wickham; 24. Jake Frye; 25. Jimmy White; 26. Colton Hoover.