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| Sonntag (Stein) | ![]() |
15 - 70 | 3 | ||||
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Oldalunk új szolgáltatása azt a célt szolgálja, hogy az érdeklődők a sícentrummal
kapcsolatos személyes élményeket is megismerhessék.
Szerkesztőségünk fenntartja a jogot az egyes vélemények eltávolítására.
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Jeremy:The differences beeewtn a bank and a credit union are as follows:1) A credit union is owned by the members who use the credit union. A credit union returns its profits to members in the form of lower loan rates, higher dividend rates and less fees. A bank is owned by the stockholders, so banks return profits to stockholders, not to their customers. If you are using a major bank, check out how much of their stock is owned by foreign entities. 2) Credit Union directors are elected by the members/owners and are unpaid volunteers. Bank directors, well let s just say that I would love earn the money and perks of a bank director. 3) Credit Unions pay payroll taxes, real estate taxes, personal property taxes, but not income taxes. Credit Unions don't pay income income taxes because they are non-for-profit cooperatives owned and controlled by their members/owners. Members pay taxes on the dividends they earn from their credit union. 4) Credit Unions have common bond' field of memberships, e.g. one needs to live or work in a particular area or work for a specific company to be eligible for membership. 5) Unlike banks, credit unions CANNOT spend the money earned on lobbying. All monies spent by credit union PACs are donated or raised by the members and employees of credit unions. Credit Union PAC money has to be raised to fend off the ongoing onslaught of attacks from the bankers. 6) Why is it a problem for either bank or credit union employees to receive reasonable bonuses if the organization has had a good year? I can assure you that there isn't any credit union out there that has received one dollar in bailout money or TARP funds or had to cancel its plans to purchase a $50 million jet or spent $1.2 million decorating the CEO's office. 7) Credit unions offer their members a wonderful way to contribute to something that is bigger than themselves. When you deposit money in a credit union, your money is loaned out to other members, and when you borrow from a credit union your loan interrest is used to pay dividends on the deposits of your fellow members, people who live and work where you do. So please, Jeremy, there is room for both credit unions and banks. They are simply different types of organizations offering similar services.