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New Senate bill for residential loan parity has CUNA, league support

first_img 11SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr A bill introduced by Sen. Ron Wyden (D-Ore.) would provide credit unions with regulatory relief, help small businesses and has CUNA’s support. The bill, S. 1440, would exempt loans to purchase a one- to four-unit, non-owner occupied residential dwelling from credit unions’ member business loan cap.Currently those types of loans at credit unions are classified as business loans and are therefore subject to the cap of 12.25% of assets. However, when banks make the same loans, they are classified as residential real estate loans.Wyden said in a statement that the bill would increase opportunities for small businesses to receive loans from credit unions by eliminating an “unfair hurdle” to much-needed capital.CUNA believes enactment of this legislation would enable credit unions to extend credit to borrowers seeking to purchase residential units, including low-income rental units, thereby better meeting the needs of their members. It would also contribute to the availability of affordable rental housing.The modification would also be consistent with the treatment of these loans by the National Credit Union Administration’s revised risk-based capital proposal, which would assign the loans a lower risk weight compared with other business loans. continue reading »last_img read more

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3 tips for negotiating a salary

first_imgGetting offered a new job is always exciting, whether you want the job or not. Sometimes, you’ll get a job offer without even trying. But if it’s something you’re interested in, you’ve got to make sure the money is right before making a big life change like leaving your current position. It may not be easy to leave where you’re at without an offer that knocks you off your feet. If you find yourself in the midst of a salary negotiation, here are a few tips from Ladders that can help you get the salary you need…Know your worth: With a little research, you can get a good idea of what similar jobs pay. Also, don’t forget to consider the cost of living, especially if you’re changing cities. And don’t forget to trust your gut. If the position you’re considering is something you’re really excited about, think about your current pay and decide if making a little less would still be worth making the change.Show your worth: There are several tactics you can use to communicate your value to a potential employer. You can make a list of big projects you worked on. You can show your zest for learning by discussing any certifications or professional development you’ve gone through or plan to in the future. Just be sure not to oversell yourself.Don’t forget about benefits: Your paycheck is important, but don’t forget about the value of benefits. You might find more paid time off, the ability to work remotely, retirement contributions, etc. to be very enticing when you receive a job offer. Also, unless an offer blows your socks off, never accept the first offer you get. 29SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Pettit John Pettit is the Managing Editor for CUInsight.com. John manages the content on the site, including current news, editorial, press releases, jobs and events. He keeps the credit union … Web: www.cuinsight.com Detailslast_img read more

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FC Sarajevo organizes a Camp in the USA

first_imgIn late December, FC Sarajevo will organize a camp for the BH talents who live in the United States.The camp is to be held from December 25 to December 28 in Jacksonville, Florida, in partnership with the Football Federation of Colorado, which organized a national teams’ camp in Denver in May in cooperation with the Football Federation of B&H. the aim of the camp is to find young talents and depending on the age group make them a part of squad of the current champion of Bosnia and Herzegovina.According to the BHD Infodesk, coordinator of the youth squad and the Head of Academy FC Sarajevo Almir Hurtić and the authorized scout of FC Sarajevo Semjon Milošević will participate at the camp in Florida on behalf of the FC Sarajevo. Coach of the youth squad of Colorado Rapids Murat Alibašić, owner of the football academy Bosnia and Herzegovina – Chicago Nedžad Dervišević, and the sports director of “Florida elite soccer academy” Elvir Mešić will actively work at the camp on behalf of the host.The camp is intended for players between 15 and 21 years of age. Along with selective processes, it also offers a process of general sports and ultimate football education. The best evaluated players will be invited to the examination in the football school of the champion from Koševo, and all selected players will be included in the club database in order to continuously monitor their development as players and athletes.(Source: novovrijeme.ba)last_img read more

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