sobo

1. In a credit union, you are the owner, along with all of the other shareholders. Once you make a deposit and open an account, you have all the rights and privileges of any other shareholder, regardless of the amount in your account. Five dollars or $5 million, it doesn't matter. 2. In a CU, the shareholders elect the Board of Directors in a one-for-one arrangement. Every member gets only one vote. Again, the amount of money you hold in your account does not entitle you to extra votes or other privileges. Very different from a bank... 3. In a CU, the Board of Directors sets the interest rate. People that you elected and that you can go in to see at the CU are the ones setting the rates of your loan and on your dividend. I know my CU's BoD pretty well, and they know me. I've been at my current CU since 1989. Opened accounts, bought several vehicles, a couple homes, have taken out a HELOC loan, have credit and debit cards, etc. 4. Credit unions in the USA are not-for-profit (not the same as non-profit). They aren't for-profit like banks are. That means that a CU must still turn a small profit, but that surplus is then immediately returned to the shareholders (you) in the form of dividends, lower interest loans, higher interest on savings, free checking, no minimum balances in your accounts, free bill-paying, etc. At a bank, you are charged for many of these services that are free at a CU. At the bank, the profits go into the pockets of its directors... 5. Your deposits are insured up to $250,000 through the NCUSIF, which is backed by "the full faith and credit of the US governement" through the NCUA. This is a mechanism for CU deposit insurance roughly equivalent to the FDIC that insures deposits at banks. Both the NCUSIF/NCUA and the FDIC have the same upper limit of deposit insurance ($250,000). Why any Average Joe in America would put their rainy day account/savings and daily operating cash in any financial institution other than a CU is beyond my level of comprehension. Of course, if you've got more than $250,000 lying around, then a CU is not the place for your scratch, and you ain't an Average Joe. But that ain't me, Brotha... bstach- In Canada, it's a bit different. Your CUs are for-profit, so I imagine that it's not much different than having your money in a bank there. YMMV, since I'm not Canadian. Mebbe you should look into CUs in your neck o' the woods a little bit, eh?

I realized the parasitic nature of most banks almost 30 years ago. I moved my money to a credit union in 1983. I have used credit unions ever since. I have no intention of putting my funds in a bank ever again.

Welcome back, muthafukkah! Where ya been??? We've missed you! Linky1 Linky 2

Love it, Dan! Achtung, Baby!!!1

Nice one, too, Billy. From where'd ya dredge that pic up?

Interesting proposition there, rob... getting fucked with your own dick - I mean credit card. Do you get reward points for that, or cash back?

"Where are you, Kato, my little yellow frrrrrrriend...??"

Precisely! Most peeps at work spray from their employers' IT infrastructure. But spraying (in class) from your mobile device, now that's a new low...

time for you to go rent the movie

Hell, Bill, I don't need fake names/personalities to be jaded - it just comes natcher'ly to me!

Sorta gives new meaning to the phrase, "Whip out your credit card", doesn't it...??

So was this guy, but he seemed to know quite a fuq'n lot more than those around him...

Then the kit should come with a Sharpie pen so you can keep track of which rubber goes with which partner. Plus, you can refresh the centermark of your rope whilst basking with your lover in the afterglow of your affaire de coeur. Ya know, since we're talking about multiple uses for things and such. Jus' sayin'...

Spraying directly from class... now there's a new low for cc.com. I luv it!

Digital money... what's next???

Ba-dum, ching!

There's technical climbing on Fuji? Who knew???

I wonder what part she found to be the most tasty...

Per chance it wasn't this guy, was it?

Some of the comments are pretty funny.

And a step-ladder...

Well, given that the kit comes with wet wipes for apres screw clean-up, I'd wager the cracks are probably pretty skanky. You know, lots of moss and shit... Bloody Marys tonight!!! It's Halloween, ya know! that's some funny shit Sobo I got a million of 'em, Wes!

And here I thought this was gonna be about G-spotter trundling some shit...

Well, given that the kit comes with wet wipes for apres screw clean-up, I'd wager the cracks are probably pretty skanky. You know, lots of moss and shit... Bloody Marys tonight!!! It's Halloween, ya know!