Credit Professionals International District III & IV Newsletter Eva Nifong, President 2010-2011 “Making a Difference” June & July Edition Tammy Rucker, Editor increase our membership. Your 2010-2011 Officers: continuous hard work and support will make a difference. President Eva Nifong Be sure to use every Vice President Rhonda McKinney opportunity that comes your Secretary Deborah Tyler way. It may only pass your way Treasurer Diane Gallimore once. Thank you to the Financial Fund Raising Committee for the excellent start to increase our District Funds with the 50/50 District Dues: split. Please help support their project by participating and Please forward your $10.00 dues selling as many raffle tickets as to our new Treasurer: possible. Diane Gaillimore I hope you are keeping your C/O Piedmont Natural Gas little notebook with all the 2611 Greengate Drive Greensboro, NC 27406 things you are doing so you can participate in the President’s Project. Remember there are lots of ways to gain points. A lot of you already have 15 President’s Message points for attending District in Atlanta and 10 points for It seems like we have had so certification. much going on within the associations with illnesses and Continue to “Make A Difference deaths. Thank goodness Every Day”. whenever the need arises our members are always there to Eva Nifong, President lend a hand. Thanks to each of you for having that caring heart and extending that helping hand when necessary. That’s what CPI friendship is all about, helping each other. I encourage each member to start “Collecting Fish for the CPI Fish Tank”. Use your talents and take HAPPY FLAG DAY- JUNE 14TH & responsibility in helping to HAPPY INDEPENDENCE DAY- JULY 4TH ONLINE BANKING, BILL Pay attention to the toolbars at the top of your screen. Current versions of PAYING, AND SHOPPING Internet browsers and search engines often indicate if you are visiting a Online banking, bill paying, and shopping are conveniences that most people want to enjoy. suspicious Web site. And most of the time, high-tech transactions are completed quickly and without a glitch. Choose “strong” user IDs and However, just as with other transactions, in a passwords that will be easy for you to small percentage of cases something goes wrong. remember but hard for hackers to guess. That’s why you need to take precautions against The strongest have a combination of theft and errors. letters, numbers, and other characters, and are at least 10 characters long. Below are the latest tips to protect yourself: Have each person in your household If you bank online, frequently check your bank and shop online and send e-mail deposit accounts and lines of credit to spot and through his or her own “standard user report errors or fraudulent transactions just as account”. Do not use the computer’s you should with traditional banking. The sooner “administrator account”. you detect a problem, the easier it should be to fix. Consider using a separate computer solely for online banking or shopping. Never give your Social Security number, credit or Beware of check scams. Common scams are debit card numbers, online job postings and mystery shopper personal identification programs. numbers or any other confidential information in When shopping online, deal with reputable response to an unsolicited e- merchants and be wary of unbelievably low mail, text message or phone prices. call, no matter who the Using a credit card generally offers more source supposedly is. Real purchase protection than a debit card or other banks and government electronic forms of online payment. officials do not contact people asking for this kind of information. Don’t open attachments or click on links in unsolicited e-mails from anyone you don’t know Be on guard against scams hiding behind or you otherwise aren’t sure about. These online coupon offers. Beware of any coupon attachments or links can infect your computer site that asks for personal, financial or payment with “spyware” that can change your security information, which can be misused by criminals. settings and record your keystrokes. Spyware can steal your passwords, bank or credit card Be careful if you download banking software numbers and your answers to security questions. onto a cell phone. Only download mobile banking applications from a safe site, such as Watch out for sudden pop-up windows asking your wireless provider, phone manufacturer or for personal information or warning of a virus. your bank. This is called “scareware” because it frightens people into providing information, downloading FDIC Consumer News malicious software or paying for removal. Use a mix of security tools and procedures: Don’t log onto your bank account while using public computers, such as at a library, or free wireless connections at coffee shops and similar places Consumer Confidence Rises in May The and savings accounts ... has been growing Consumer Confidence Index rose to 63.3 in May rapidly. from a downwardly revised 57.7 in April, the New York-based Conference Board reported Gold Card Has New Meaning In an yesterday. The May reading is the highest since interesting marketing strategy, a Turkish Bank, March 2008’s 65.9. “Consumer confidence in which General Electric Co. has a 21% stake, posted its third consecutive monthly gain, and will pay gold to customers who use the bank’s although still weak by historical levels, appears new “Gold Bonus” credit card. Instead of to be gaining some traction. Consumers’ earning points from spending, clients who use apprehension about current business conditions the card will accumulate ounces of gold. and the job market continues to slowly Receiving the gold requires a visit to a Turkish dissipate,” said Lynn Franco, director of the jewelry chain. Conference Board’s Consumer Research Center. Home Prices Fall in March The Standard & Association & Membership Poor's/Case-Shiller Home Price Index of 20 major cities fell 0.5 percent to 143.35 in March, News: its sixth consecutive monthly decline, the group said yesterday. Thirteen of the 20 cities tracked CHARLOTTE, NC by the index showed declines in March. Only six recorded gains and one, Boston, was flat. CPI of Charlotte, NC held its meeting on May 27th, 2010, at the Hotel Charlotte Consumer Credit Increases In March Consumer credit increased at a 1% annual rate Restaurant. Helen Neil welcomed the ... or $1.95 billion ... in March, the second gain eleven members attending; especially in three months, the Federal Reserve reports. those who have had health and/or other The demand for auto loans and other types of problems which have made it difficult to nonrevolving credit rose at a 3.9% annual rate, attend regularly. Colleen Collette or $5.1 billion, in March. Revolving credit, the borrowing category that includes credit cards, presented the devotional and led us in dropped at a 4.5% annual rate, or $3.2 billion, the invocation. Cheryl Burleson-Davis the 18th straight monthly decline. reported on the Belk Charity Days fundraiser, which was very successful. Socks And Stocks? Remember when Sears Harriet Bryant, Diane Radcliff with her got into the banking business along with its regular retailing? Now, nearly 30 years after husband, Jeff, and Helen Neil plan to the department store chain set out to become attend the Gastonia Summer Gala at the "the largest financial services entity," as its then River Rat Restaurant. Shirley Clontz chairman put it, Sears is once again challenging presented the program, entitled, “The banks. This time around, the nation's fourth- Way We Were”, which was a look back largest retailer is setting more modest goals for itself in financial services and is targeting at the history of CPI along with events underbanked consumers. Since last year, Sears happening in the world during the same has been testing financial centers, where time. To celebrate the 73rd anniversary customers can go to cash checks, wire money, of the founding of the Charlotte and pay bills in eight Kmart stores in the organization, we had cake and Chicago area. Sears is not offering checking or savings accounts and it hasn't sought a banking Champaign as Helen Neil raised the charter since an unsuccessful 2002 application toast to association. We closed the to open an industrial loan company. It appears meeting by repeating the creed. Our that Sears' target market includes a group next meeting will be held on June 24th, referred to as the "disenfranchised," who are fed 2010 at the Shun Lee Palace Restaurant. up with banks' overdraft fees and other hassles. This group ... primarily young consumers who have, or previously had, low-balance checking Credit Professionals of Charlotte, NC, EASTERN NC met at the Shun Lee Palace Restaurant June 24, 2010. We had ten members in CPI of Eastern NC met Tuesday night, attendance. Diane Radcliff was absent May 18, 2010 at 6:30 PM at the due to the funeral of her stepson’s Mayflower Restaurant in Winterville, grandfather, Harry Hudson. Cheryl NC. Burleson-Davis, in charge of planning the Credit Professionals International Mildred Porter was to start therapy on Conference to be held in Charlotte in Wednesday and hopes she will be able to June 2011, reported on plans thus far. be at our next meeting. The organization voted to send a gift to the Kidney Foundation in memory of President, Marvin read an invitation to Esther Brinkley’s husband, William, Gastonia’s Summer Outing on June 1, who passed away June 1st. The 2010. association members brought non- perishable food items for a project, Annette Robbins gave a report on the initiated by the middle school Sunday Spring Meeting in Greensboro, NC school class taught by Cheryl Burleson- Davis. They designated the project as Gail Ottinger gave a report on the “Hunger Doesn’t Take a Summer District Conference in Atlanta, GA. Vacation” and food collected by these kids will help to fill the shelves of President, Marvin reminded the Loaves and Fishes. members of the International Conference in Bentonville, Arkansas June 17-20, Each member was urged to complete a 2010. Gail is planning to attend. Credit Professional of the Year form and turn it in to Harriet Bryant who will BROWNSVILLE, TN adjudicate the entries. Irene McQuain distributed the newsletter, (Captions) she Chris saw his ENT doctor on May 7th had published for the quarter ending in and the doctor was very pleased at June. The association chose two issues the way Chris is recovering, the doctor of the newsletter to be entered in the told Chris he can start moving about Flyer Type Bulletin competition for more, just to be careful and not bump his North Carolina State. Marie Little head on anything. presented a program entitled, “The He still can't drive yet, that will have to Importance of Family in Today’s world” wait until he sees the neurosurgeon on after which members shared pictures or the 18th. Chris has lost his sense of stories of their own families. smell and the doctor said it may never return but that is minor compared to The next meeting of CPI Charlotte will what it could have been. God and the be held August 14th at the home of power of prayers are truly amazing, we Shirley Clontz. have really been blessed. Thanks again to everyone for your prayers, e-mails and cards. God Bless, Nancye West GASTONIA, NC Tammy Rucker and Tommy visited the New Nascar Hall of Fame in Charlotte, CPI of Gastonia celebrated our 24th during Memorial weekend and then Birthday in May! joined Diane Radcliff and Jeff for the Food Lion Speed Street for fun and We held our Annual Summer Outing at fellowship. the River Rat at Lake Wylie, SC on June 1, 2010. We had 18 in attendance; we Carolyn Huggins and Allen spent the were excited to have Diane Radcliff, weekend at Myrtle Beach with International Second Vice President and granddaughter Emily. her husband Jeff. We had Helen Neil & Harriet Bryant from Charlotte. Harriet Allen Huggins has been chosen as celebrated her Birthday with her children Mayor Pr-Tem for Dallas. Carolyn is so Bill Bryant & Sharon Pinker. Bill proud! brought a friend Diane Bartlet. Our members & guest enjoyed the food and Laura Layel is feeling great and finally fellowship. getting to read those books she wanted since she retired….since January she has Pam Toney has a new position, Teller read a total of 16 books and still going Administration at First National Bank; strong. she has been working real hard by overseeing the Bank Teller Operations and Vertex Teller system while she Business Professionals of the Triad oversees 7 branch office locations. Pam Toney’s son Jordon Toney has just BPI of the Triad met at Jewell Kirk’s finished his first year at UNC-Charlotte. home in Southern Pines for our May 15, Pam is a very proud Mom! meeting. Jewell cooked and furnished the meal for everyone. Charlotte Linda Rhyne’s daughter, Cindy was Maness spoke on her topic in the accepted by UNC-Charlotte Graduate manual; "You: The Greatest Invention". School for Administration. Special guests were Jewell’s sister, Peggy and her niece. Everyone enjoyed Darlene Eason’s grandson Peyton was the day, shopping, good food, fellowship accepted at Highland Technology High and an excellent program. School. Esther Brinkley’s husband William Brenda Peeler has been enjoying her passed away on June 1, 2010. time at the beach with Bob Stringfellow. June Meeting was canceled due Tammy Rucker has a new position at President's husband passing away. The First National Bank, Deposit following members attended Compliance and BSA Administrator. International Conference in Bentonville, She has been working on setting up a Arkansas on June 16-20, 2010: Esther new department in Risk Management Brinkley, Eva Nifong, Diane Gallimore, and Compliance. and Linda Ayers. International Conference It was great to have all District Officers in attendance at International Conference District 3 & 4 won the following awards Membership District with the most new members...District 3&4 tied with District 5 (4 new members each) District Conference Fund Raiser Locals that Maintained the Same Number of Members Gadsden, Alabama At District Conference a Financial Fund Capital City, Alabama Pensacola, Raising Team was appointed from a Florida Atlanta, Georgia Jackson, Future Planning suggestion. This team Mississippi Gastonia, North Carolina was assigned the duties of organizing Eastern, North Carolina Brownsville, fund-raisers for 2010-2011 to help Tennessee Jackson, Tennessee support the District budget. Nashville, Tennessee The decline in membership has resulted Locals that Added New Members this in loss of revenue which has made this Year: necessary. Atlanta Georgia ( 3 new members) The committee made a decision to do Lak Charles, Louisiana (1 new member) two 50/50 splits. The first drawing will end August 31, 2010 and the drawing District 3 &4 won first place in the Walk will be held at the North Carolina State A Thon. Conference on September 18-2010. For this event to be successful the committee is asking every association to The following International Officers participate by selling raffle tickets. were installed The tickets and money will need to be Billie M. Plasker, PCS, President mailed to Diane Gallimore by Diane Radcliff, PCE, First Vice September 3, 2010. President Pat Evans, PCE, Second Vice President Joyce, Jones, CCCE/MPCE, Diane Gallimore Secretary/Treasurer 200 Oak Knoll Dr Thomasville, NC 27360 Pat Evans from Texas won International Credit Professional of the Year.