My first financial relationships after graduating from college were with a local bank in the community where I lived and the credit union where I worked. There was great similarity in the operation of the two institutions. Not only did they provide me with the financial services I needed, but the CEOs of both listened to what I told them and responded with sound options. As a result, I developed a long lasting relationship with both and experienced what has now become a lost art.Small financial institutions, both banks and credit unions grew in size and stature because they knew how to treat their customers and members. They took a real interest in every person who walked through their doors because they understood that if they treated that person right, they would be forever loyal to them. It was important that a bond be created between the person and the financial institution. Every meeting was looked upon as an opportunity to create a strong, lasting relationship that would enable the institution to become the primary financial provider for that person and their family. For an individual, the financial institution that took an interest in them, that listened to their needs, and that provided them with advice was the one in which they would place their confidence. They were comfortable discussing their financial needs as well as their dreams of what they would like to achieve in life. They could talk about a home of their own, a new car, a vacation, money for Christmas, or an education for their children. If times became difficult and they lost their job or took a reduction in salary they knew they could walk through those doors and when they left, things would be better.Times changed, institutions got bigger, CEO’s got busier; the age of computers came upon us and on-line banking and no-teller transactions became the way business was conducted. Personal contact, a one-on-one meeting, listening to what was said, and providing direction slowly faded away and became the exception rather than the rule. And today, in the midst of the worst financial crisis the majority of our citizens have ever experienced, we need the rule back.Credit unions have always championed themselves as being there for their members. They proudly boast about how they began and their dedication to putting members first. People helping people has been their philosophy since day one. Credit unions have experience in dealing with difficult times. When manufacturers closed their facilities the employer sponsored credit union would merge with another so that their members would be taken care of and not lose the services they needed. When tragedy would strike a community, the credit union would step up and provide the help that would make things whole again. When a family had an unexpected event that would change their lives, their credit union was there to help.Now, more than ever, members of credit unions need consideration, counseling, and confidence during these difficult times. Over the next twelve to twenty four months, individuals may experience financial problems that will require individual attention and specific solutions. It is the responsibility of each credit union to uphold the solid reputation they have built of being there when needed. They must bring back the personal touch. When a member walks through the doors, the credit union must make sure they feel and know they have come to the right place. They are in the financial institution where the member always comes first.Credit unions can and must make it happen, again. 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,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
Published on November 26, 2010 at 12:00 pm ATLANTIC CITY, N.J. –– With its raucous ovation, the Orange-laden Boardwalk Hall crowd provided the exit music. An exit, albeit a brief one, it was starving for all day. It was exit music for Brian Oliver. The Syracuse partisans who hissed and booed all game knew: This was also the chance for the exit music of Georgia Tech’s chances to win the Legends Classic. ‘We just had to somehow get a handle on Oliver,’ SU head coach Jim Boeheim said. ‘It took us 30 minutes to do it.’ The scorching Georgia Tech shooter lit up Atlantic City for 26 points with SU up two at the 14:40 mark of the second half. But because Oliver picked up his third foul, Georgia Tech head coach Paul Hewitt relegated Oliver to the bench. His stay would only last two minutes. But it was enough. The two minutes cooled off the star of the show. From there, Syracuse and its fans knew there was nothing stopping SU from victory.AdvertisementThis is placeholder text For the rest of the game, Oliver scored only six points, and No. 8 Syracuse defeated Georgia Tech 80-76 in the tournament’s championship game Saturday in front of 5,271 at Boardwalk Hall. SU (6-0) propelled itself to victory offensively, thanks to a shooting clinic in the second half that produced 42 points. Rick Jackson won the tournament’s MVP award with 26 combined rebounds in two wins. Oliver’s time on the bench proved to be the turning point SU needed Saturday. It wasn’t easy, though. After two Syracuse turnovers following Oliver’s exit, the Orange increased its lead from two to 13 with 8:39 left in the game. SU clamped down on Oliver when he returned. ‘I did sense that they were definitely keying in on me,’ Oliver said. The win came despite a Yellow Jackets shooting clinic that dominated the first half. It was a clinic that Oliver extended into the second half by himself. In the first half, Oliver torched a laid-back SU 2-3 zone for 7-of-13 shooting from the field, including 4-of-7 from beyond the arc. His lights-out performance helped the Yellow Jackets to 56 percent shooting in the half. After Oliver scored the first bucket, Georgia Tech led for all but nine seconds of the first half, with no lead changes or ties. That was until Orange freshman C.J. Fair connected on a 3-pointer with nine seconds left in the half. The jumper gave SU a 38-36 lead. It foreshadowed what would come in the second half. And it also sent the Boardwalk Hall crowd into a frenzy. Kris Joseph led the Orange to the win and countered Oliver’s performance with a team-high 19 points. Both players were selected to the All-Tournament team. Because of three first-half fouls, though, Joseph couldn’t carry the Orange. Rather, SU freshman Dion Waiters took charge. While Oliver’s unconscious shooting kept the Yellow Jackets with a lead throughout the half, Waiters was the answer that kept SU in the game. He started the game 4-of-4 from the field, mostly on deep jumpers he wasn’t afraid to create on his own. He finished with 13 points. With Waiters putting SU’s scoring needs on himself, combined with Joseph and others’ second-half showcase, SU finally put together an offensive performance Boeheim said was needed all year. One Joseph even said was a perfect 10 out of 10. ‘We got the bench players to chip in for us and score double digits,’ Joseph said. The offense was drawn out because of Oliver’s offensive performance. He would end the game with 32 of Georgia Tech’s 76 points, the last of which came on a deep two to bring the Yellow Jackets within five points with less than three minutes to go. But it was too late. The dry spell stemming from his seat on the bench was too much. And the final exit music — the real exit music for Oliver and Georgia Tech — came in the next possession. With 1:58 left, Scoop Jardine threw an alley-oop to Rick Jackson. It was the dagger that got Orange fans standing and roaring once more. Once again they knew: too little Oliver too late. ‘We were trying to make him a playmaker instead of a shooter,’ Jardine said. ‘Just run him off the spot. And we kind of did that late in the game. Get him uncomfortable.’ [email protected] Comments Facebook Twitter Google+
The role of coaching in the sport will be further revealed when veteran coach Ben Koufie launches his manual on the technicalities involved in the game which that determines how teams set up.“The Principles of Modern Soccer Coaching” is a manual authored by the former Ghana Football Association chairman which will be launched Thursday in Accra.In partnership with the, Ghana Football Association, Ben Koufie, a FIFA and CAF Coaching Instructor, will do the book launch.The manual will serve the needs of up-coming coaches, teachers, media, students and football fans.