continue reading » Growth in core, low-cost deposits seems to be a source of frustration for many credit unions of late. While overall credit union deposit growth is positive, much of the growth is in the form of higher rate member certificates. Member certificates can be a reliable source of liquidity, but the higher cost chews into loan profitability, squeezes the net interest margin, potentially lowering the return on assets.For many credit unions, the more desired type of deposit growth, regular share and checking growth, has been a significant challenge over the past year. As discussed in previous blogs, a key reason for the difficulty in growing core deposits is the ongoing rate advantage for members to move money around.On top of continued interest rate incentive to move money, competition is aggressively focusing on core deposits with enticing new account bonuses. While new account bonuses are by no means a new tactic to generate growth, Chase’s latest offer is one of its most appealing. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
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Bale has won four Champions Leagues, one La Liga title, a Copa del Rey and three UEFA Super Cups and Club World Cups during his time at Real, scoring more than 100 goals.After the collapse of his move to China, the 30-year-old Wales international pulled out of a pre-season game in Munich – understood to be because he was not in the right mental state to play.He has returned to the Real team this season, scoring twice in seven matches as they have moved to the top of La Liga.But he was left out of the squad for last week’s Champions League game against Club Bruges, before returning to the starting line-up for the 4-2 win against Granada on Saturday.“Gareth Bale is fed up,” said Balague. “He can do this no longer. At a time when he began to stand out, knowing that as he plays matches his fitness would be sharpened, he suddenly had to watch the game against Bruges in the stands. Nobody knows why.“He is angry, confused. When Zidane returned to the club, he decided he did not want Bale, without anyone having offered a clear reasoning.“Bale was told that Zidane, with whom he has a professional relationship, had made an unequivocal decision and was preparing for his departure.“His agent, Jonathan Barnett, set out to find him alternative options, but Bale preferred – ahead of any other possibility – to remain at the club.“What the Welshman does not quite understand is why the doors were opened, and then they did not let him go. Madrid agreed not to charge a transfer fee to the Chinese side Jiangsu Suning, but ultimately they backed down because they believed that another Chinese team were willing to pay a large amount for James Rodriguez, a rumour that ended up being false.“Bale has played well in recent weeks – partly because he is angry – in response to the distance and coldness with which the coach treats him, and he has finally rebelled at his situation.“It is said that he likes golf more than football, and it is true that he does not live the profession with the intensity of others, either on or off the pitch.“He only asks for minutes to be able to give his best and to be able to offer goals to the team, something they lack.“Leaving him out of the game against Bruges is difficult to understand, and has been the last straw.“For the first time since he arrived at Real Madrid in the summer of 2013, the Welshman wants to leave. He feels that it is not fair what is being done with him.”Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegram Real Madrid forward Gareth Bale is “angry” and “fed up” at the Spanish giants and wants to leave the club, according to BBC Radio 5 Live’s Guillem Balague.Bale had been set to join Chinese Super League side Jiangsu Suning on a three-year contract in the summer – earning a reported £1m a week – but Real cancelled the deal because they wanted a transfer fee.In July, Real manager Zinedine Zidane said “we hope he leaves soon”, a comment to which Bale’s agent Jonathan Barnett replied: “Zidane is a disgrace – he shows no respect for a player that has done so much for Real Madrid.”
After knocking on the door for several years, GC Foster College of Physical Education and Sport had their greatest moment at the 122nd staging of the Penn Relays last week with a win and several top-three finishes, ending as the most successful Jamaican college team in Philadelphia. The Maurice Wilson-coached team had its biggest moment in the Championship of America men’s college 4×100 metres. Entering the meet as the second ranked team, the team of Colin King, Chadic Hinds, Everton Clarke, and Brandon Tomlinson clocked 39.31 seconds to defeat the University of Houston, who finished second in 39.49 seconds. Defending champions University of Technology were fifth in 39.73 seconds. Meanwhile, Andre Clarke was second in the collegiate 400 metres hurdles while Aubrey Allen, Orrin Powell and the men’s 4×400 metres team all finished third. Powell threw 70.35 metres in the javelin; Allen cleared 15.83 metres in the triple jump; while the 4x 400 metres team clocked 3:08.19. Wilson was pleased with the team’s achievement. “We have worked hard all year and we are extremely thankful to God who played a pivotal role in our success,” said Wilson, who is also the technical leader of Jamaica’s senior athletics team. Meanwhile, the University of West Indies duo of Fedrick Dacres (65.19) and Traves Smikle (63.42) finished one-two in the college men’s discus. The University of Technology had two individual second places. Megan Simmonds was second in the college women’s 100-metre hurdles in 13.24 seconds, the same time done by winner, Sasha Wallace of the University of Oregon. Shimarya Williams clocked 11.54 seconds in the women’s 100 metres, behind winner Gabrielle Farquharson of Rutgers in 11.36 seconds. UTech’s 4×200 metres female team anchored by Shericka Jackson finished second in 1:32.69, behind Tennessee in 1:31.84.