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first_imgOne of the better known rules of marketing in our era of social media is to highlight lots of success stories and testimonials. It is easy to understand why. We believe in the work we do, and we want to highlight how our work has had an impact on the lives of those we serve. It is easier for people to connect with our brand when they read and see examples of how our products and services have helped others like them.  We live in a success driven culture that wants to see improvement, change, and growth. Your credit union probably has some other stories it doesn’t tell on social media. These are not necessarily stories of a failure at your organization, but difficult member stories that do not have easy answers.  My credit union, founded to combat predatory lending in the community and certified as a CDFI, has plenty of these stories. I have been thinking of some of them lately. One such story is that of the woman who had been a member for over ten years, and regularly and faithfully paid on numerous loans.  She finally defaulted when a job loss caused her income to disappear, and she became homeless. Even through this challenge, she wanted to maintain her relationship with the credit union and restructured her loan because her credit union relationship was important. In the end, she was still unable to maintain the payments. Another member that comes to mind is a man in his seventies who recently passed away. He came in faithfully every Thursday evening a few moments before close and was well known by everyone in member services. Before he died, he struggled with obvious health issues and housing instability. Although we never knew the details of his personal story it seemed like his inability to find quality affordable housing likely contributed to his poor health. His loan was charged off after he passed on. Sometimes the stories of people that come through our branch really are stories of financial hardship and struggle. There are people who struggle to find employment that pays a living wage, those that live in the cycle of poverty that requires hard choices, and those that sometimes have to carefully and strategically manage their cash flow by taking out small dollar loans. The end to these stories are not always happy. The point of this is not that we need to share these stories in our marketing campaigns, but that these still are important stories.  Mostly, they should serve as reminders that our work is important. Credit unions matter. Survey community development credit unions across the country, and you will find plenty of organizations doing innovative work to advance financial inclusion and provide economic mobility for underserved markets. The stories like the above put a face to the problem, and ground us in why we are doing what we are doing. Sometimes these stories are discouraging, because the problems of poverty and financial instability are complex.  However, discouragement is not where we should stay. Credit unions are an important piece of the puzzle. Without financial institutions willing to step in and address difficult challenges, there would be a lot fewer fair and affordable options for people with already limited options. Keep doing the good work, and remember the members who cause you to think a little more deeply about your organization’s why. 31SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Sarah Marshall Sarah Marshall is a consultant in the credit union industry, and can be reached for partnership and speaking opportunities through Your Credit Union Partner. Her background in community development includes … Web: https://yourcupartner.org Detailslast_img read more


first_imgNovember 5, 2017 Police Blotter110517 Batesville Police Blotter110517 Decatur County EMS Report110517 Decatur County Fire Report110517 Decatur County Jail Report110517 Decatur County Law Reportlast_img


first_imgThe Moville to Gleneely Road will be closed on Friday, July 5 from 7am to 7pm. Donegal County Council announced the closure for essential repair works from Noone’s Bridge (Mogglass Bridge) to its junction with the Gulladoo Road at Moville.Motorists are advised to follow diversions from Moville to Quigley’s Point via Carndonagh and Gleneely. Travel Alert: Planned road closure in Inishowen this week was last modified: June 30th, 2019 by Shaun KeenanShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)last_img read more


first_imgHarlesden’s former Olympic champion Audley Harrison, who returns to the ring against Ali Adams on Saturday, insists his poor showing against David Haye in his last fight was caused by a pectoral injury.Follow West London Sport on Twitter Find us on Facebooklast_img


first_imgIf tuna fever was a real virus, there’d be a lot of ailing anglers in Humboldt County. The madness started back at the beginning of August, and except for a few days of rough water, hasn’t slowed down. The combination of flat ocean conditions and easily accessible water has stuck around longer than anyone would have ever imagined. And it’s worth mentioning that the warm water is stuffed with tuna. The warm water doesn’t look like it’s moving out of reach anytime soon either. As the water moves …last_img


first_imgBy Dakin Andone | CNNFormer sports reporter Kelli Tennant has dropped a lawsuit that accused NBA coach Luke Walton of the Sacramento Kings of sexual assault.Tennant’s attorneys filed a request that the lawsuit be dismissed in Superior Court in Los Angeles County on Tuesday, according to court documents obtained by CNN. The request asked that the lawsuit be dismissed with prejudice, meaning the accusations cannot be brought against Walton again.Additional information about why the lawsuit …last_img


first_imgInstead of showing remorse over a Lazarus taxon, evolutionists invoke another besetting sin: vestigial organs.The poster child for living fossils is Coelacanth, a lobe-finned fish long thought extinct till a living one was found swimming just fine in 1938 off the coast of South Africa. That discovery drowned notions of it evolving into a land animal, because its bony fins were not used for locomotion on the bottom in shallow waters. Instead, the fish spends much of its time in a vertical posture.One might suppose that evolutionists would be embarrassed by this double falsification. One might hope they would turn their attention to either finding more fossils of coelacanths in the intervening layers of the fossil record, or admitting that evolution did almost nothing to these fish for allegedly 66 million years since they went extinct. Even worse, evolutionists must admit there was no major change to the coelacanth kind for 344 million years, according to their standard evolutionary timeline.Instead, a paper in Nature Communications (open access) now alleges that living coelacanths have a vestigial organ: a lung.  This term “vestigial” has long been an embarrassment to evolutionists, because most (or all) of the hundred-some-odd vestigial organs alleged in the human body a century ago have since been found to be functional. Nevertheless, the team of international researchers uses the term freely:Coelacanths are lobe-finned fishes known from the Devonian to Recent that were long considered extinct, until the discovery of two living species in deep marine waters of the Mozambique Channel and Sulawesi. Despite extensive studies, the pulmonary system of extant coelacanths has not been fully investigated. Here we confirm the presence of a lung and discuss its allometric growth in Latimeria chalumnae, based on a unique ontogenetic series. Our results demonstrate the presence of a potentially functional, well-developed lung in the earliest known coelacanth embryo, and its arrested growth at later ontogenetic stages, when the lung is clearly vestigial. The parallel development of a fatty organ for buoyancy control suggests a unique adaptation to deep-water environments. Furthermore, we provide the first evidence for the presence of small, hard, flexible plates around the lung in L. chalumnae, and consider them homologous to the plates of the ‘calcified lung’ of fossil coelacanths.Live Science repeated the idea uncritically, without mentioning the embarrassments about this fish not evolving for hundreds of millions of years, then disappearing and reappearing after tens of millions of years.It’s possible that the lung became less developed as the coelacanth moved to deeper waters, but remnants of it still exist as a vestigial organ, the researchers said. However, as the lung shrank and became useless, a fatty organ that the fish uses for buoyancy control in deep waters grew and took over the space once occupied by the lung.But what this implies is that a more-complex organ, a lung, appeared fully formed in the fossil coelacanths, then atrophied:This lung likely helped the fish survive in low-oxygen, shallow waters hundreds of millions of years ago, the researchers said. During the Mesozoic era, more commonly known as the dinosaur age, it’s likely that some species of coelacanth (see-leh-kanth) moved to deeper waters, stopped using their lungs and began relying exclusively on their gills to breathe, the researchers said.PhysOrg‘s coverage didn’t mention “vestigial organs” directly, but says, “Similar to the human appendix, the organ was likely rendered defunct by evolution.” This is a common myth. A function for the appendix was found eight years ago (10/06/07, 8/21/09). It’s obvious, anyway, that evolution’s major challenge is to create function, not render it defunct.The article did call the coelacanth a “Lazarus” taxon, “a group of animals ‘resurrected’ from extinction.” The antecedent Lazarus (a man who was in a tomb four days), it must be remembered, was raised to life by intelligent design—the divine power of Jesus Christ, according to the Gospel of John, chapter 11.Let’s count the ways that evolutionists have bungled and mangled the story of coelacanth. (1) This large, well-adapted fish appears fully formed 410 million years ago in their timeline, the early Devonian period. (2) The Devonian is not that long after the Cambrian explosion, still a MAJOR embarrassment for evolutionism since Darwin worried about it (see Darwin’s Doubt and Darwin’s Dilemma). (3) Coelacanths thrived for 344 million years largely unchanged, with some allowance for horizontal variation. (4) Coelacanths never did evolve into land animals, despite the just-so stories evolutionists told about them, imagining their bony fins turning into legs. (5) The fish turned up in 1938 alive and well despite evolutionists’ stories that they had gone extinct with the dinosaurs. (6) The fish had not evolved in all that time, either. (7) The 66-million-year gap calls into question the evolutionary timeline itself. (8) And now, this new paper wants to resurrect the extinct evolutionary notion of “vestigial organs.”Why should anyone trust these guys?The fossils are hard data. The living fish are hard data. That much can be studied scientifically. The tall tales about great antiquity of these fish over millions of unobserved years are “fish stories” concocted to fit an evolutionary worldview. It’s long past time to scuttle the evolutionary gaffes and view coelacanths as beautifully designed fish.The proper approach to coelacanth research would be to look at the alleged “vestigial lung” as a feature with an unknown function (note to evolutionists: if it functions during embryogenesis, it is not vestigial, anymore than your bellybutton is). Science should sanitize its vocabulary of debunked evolutionary verbiage like “vestigial organs” and examine things with the wisdom of Paul Nelson’s father, “If something works, it’s not happening by accident” (quote from Flight: The Genius of Birds). (Visited 496 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more


first_imgIf you’re in the world of video production, you’ll likely shoot a few product videos at some point. Here are a few DIY tips and tricks for getting them right.Top image via ShutterstockShooting a product demonstration video is a must for a company of any size. You can easily make a good-looking product demo — you just need to be aware of some of their pitfalls and keep a few DIY tools handy.1. CameraImage via BlackmagicAdmittedly, this first tip isn’t very DIY. But it’s important to find a camera that works well in most lighting and gives you flexibility over its settings (manual control over the shutter, aperture, etc.). HDMI out with live monitoring is a must if you’re working by yourself. Without it, you’re going to have a hard time judging exposure, focus, and framing while you or your hands are in the shot.Remember, HDMI out does not always mean live monitoring, so do your homework. Also, unless you want to take long breaks to recharge your battery, make sure the camera can record while charging. You might want multiple batteries ready to go as well.While the URSA Mini pictured above is a little more costly, here’s a great post from Caleb Ward featuring cameras under $1000 that offer flexibility on a budget. Okay, now onto the DIY stuff!2. TripodImage via ShutterstockHave you ever tried to do an overhead shot with a normal tripod? Overhead shots can be a complete nightmare without the proper equipment. If you don’t want to splurge on a tripod arm attachment, you can rig up a monopod on a boom stand with gaff tape. It helps if the monopod has a ball head to get the angle just right.Of course, this technique also depends on the weight of your camera. You can always get a few sandbags to stabilize the stand or find some other counter weight for the boom. This is a simple DIY solution, but there are some folks that have gone the extra mile, as demonstrated in this video from PetaPixel. 3. LightingImage via ShutterstockContinuous LED lighting that can change between tungsten and daylight AND has variable power is ideal, but can get expensive quickly. There are plenty of kits out there — but if you’re running low on funds, there is an easy DIY fix.Head over to your local hardware store and gather a variety of bulbs in different wattages and different color temperatures (incandescent to daylight) to make sure you have enough power and the right type of light for each shoot. You’ll also need to purchase at least two to four inexpensive clamp lights (size is up to you) and it never hurts to have extra clamps on hand. You can find a few more DIY lighting tips here.I also highly recommend using a soft box. Making your own is pretty simple and cheap, as seen below via Dustin McLeanJust make sure to test your lighting while you’re in the shot. There’s nothing worse than meticulously lighting your shot, then realizing you are casting a shadow.4. ReflectorsImage via ShutterstockReflectors are not that expensive, but if you need flexibility in size, there is an easy solution. White foam core reflects and diffuses well, can be cut to size, and can be clamped onto just about anything. Need silver or gold? I’ve seen some people use foil paper, but that gets wrinkled easily. Just buy up some plain silver and plain gold wrapping paper and tape it onto the cut-out foam board. Easy enough!5. Tabletops or DesktopsImage via Shutterstock It’s important to use a tabletop with a color that generally contrasts your product. Black on black is rough. We don’t all have the luxury of having different desktops or tabletops. In a pinch, you can buy an appropriate size poster board (black or white) that contrasts in color to your product (assuming you’re doing tight shots). You could also get a few pieces of plywood and stain them to get the look that you want.Every DIY solution will have some quirks. Once you figure them out, you can make great product videos on a budget easily!What are some quirks that you’ve had to work around during a shoot? Share your stories in the comments below.last_img read more


first_imgAbout the authorPaul VegasShare the loveHave your say Wilfried Zaha: Crystal Palace players all good friendsby Paul Vegas17 days agoSend to a friendShare the loveWilfried Zaha has hailed the spirit inside the Crystal Palace squad.Palace have enjoyed a sudden run of positive results.And Zaha says: “We have a really good morale in the team. We are all very good friends and we work hard for each other.”The victory over West Ham showed how strong a character this team has. It will not always run as easily as you would like, so sometimes you have to dig deep.”This match showed that we can dig deep and get the victories we need.” last_img


first_imgMan City boss Guardiola: Fixture bosses must be Liverpool fansby Paul Vegas7 days agoSend to a friendShare the loveManchester City boss Pep Guardiola has joked the Premier League fixture compilers must be Liverpool fans.City accused the Premier League of threatening the “sporting integrity” of the competition after handing the champions a fixture schedule that could give rivals Liverpool a big advantage in the title race. City’s chief operating officer, Omar Berrada, claimed the fixture scheduling undermined the integrity of the Premier League, with Guardiola joking the authorities were not fans of the double champions.“Maybe the broadcasters are fans for some clubs,” joked Guardiola.“We have meetings with Premier League, managers, UEFA, they are so glad, nice pictures, it doesn’t matter, we have to play.“It is what it is. Since I came here, every season it’s the same, the broadcasters are the bosses, it’s not about us.“But I love to play boxing day, when the families go to the stadiums, the players travel, but the system does not protect the players too much.” About the authorPaul VegasShare the loveHave your saylast_img read more