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Regional Federal Credit Union Valpo: Your Guide to Financial Wellness
Introduction:
Are you searching for a reliable and member-focused financial institution in Valparaiso, Indiana? Looking for more than just a bank? This comprehensive guide dives deep into Regional Federal Credit Union (RFCU) in Valpo, exploring its services, benefits, and how it can help you achieve your financial goals. We'll cover everything from account options and loan services to the unique advantages of choosing a credit union over a traditional bank. Whether you're a new resident, a long-time Valpo resident, or simply seeking better financial solutions, this post will equip you with the knowledge you need to determine if RFCU is the right fit for you.
I. Understanding Regional Federal Credit Union (RFCU)
Regional Federal Credit Union isn't just another financial institution; it's a member-owned cooperative. This crucial distinction sets it apart from traditional banks. Instead of prioritizing profits for shareholders, RFCU prioritizes the financial well-being of its members. This translates to lower fees, higher interest rates on savings, and more competitive loan rates. Understanding this foundational principle is key to appreciating the value RFCU offers to the Valpo community. We'll explore this cooperative model further and explain its implications for your financial health.
II. RFCU Valpo: Services and Products Offered
This section delves into the breadth of services available at the RFCU Valpo branch. We'll detail the various account options, including checking and savings accounts, money market accounts, and certificates of deposit (CDs). We'll also examine their loan offerings, encompassing auto loans, home loans (mortgages), personal loans, and potentially specialized loans for members of specific groups within the RFCU membership. A detailed look at fees associated with each service will be included for transparency. Finally, we'll touch upon additional services such as online banking, mobile banking, and financial planning resources.
III. The Advantages of Choosing RFCU Over Traditional Banks
This section directly addresses the key differences between RFCU and traditional banks. We’ll compare interest rates on savings and loan products, highlighting the potential cost savings for RFCU members. Furthermore, we'll contrast the fee structures, demonstrating how RFCU’s lower fees can accumulate into significant savings over time. The member-centric approach of RFCU, its commitment to community involvement, and the personalized service it provides will be discussed in detail, highlighting the often intangible benefits of choosing a credit union.
IV. Joining RFCU: Membership Eligibility and the Application Process
Becoming a member of RFCU might involve specific eligibility criteria, which we will clearly outline. We'll guide you through the straightforward application process, detailing the necessary documentation and steps involved. Understanding the membership requirements upfront can streamline the process and ensure a smooth transition to becoming an RFCU member.
V. Contacting RFCU Valpo: Location, Hours, and Contact Information
We will provide the precise location of the RFCU Valpo branch, including its address, phone number, email address, and website. The branch’s operating hours will also be listed, ensuring you can easily find the information needed to visit or contact the branch. We'll also discuss options for online and mobile banking, highlighting the convenience and accessibility these features offer.
Article Outline:
Title: Regional Federal Credit Union Valpo: Your Comprehensive Guide
Introduction: Hooking the reader and outlining the article's content.
Chapter 1: Understanding RFCU: Explaining the credit union model and its benefits.
Chapter 2: Services and Products: Detailing accounts, loans, and other services.
Chapter 3: RFCU vs. Banks: Comparing fees, interest rates, and member service.
Chapter 4: Membership and Application: Outlining eligibility and the application process.
Chapter 5: Contact Information: Providing location, hours, and contact details.
Conclusion: Summarizing key takeaways and encouraging readers to explore RFCU.
(The following sections would then expand on each point in the outline, providing the detailed content as described above.)
Conclusion:
Choosing the right financial institution is a critical decision. This guide provides a thorough understanding of Regional Federal Credit Union in Valpo, emphasizing its member-focused approach and the numerous advantages it offers. By weighing the benefits against your specific financial needs, you can make an informed decision about whether RFCU is the right partner for your financial journey.
FAQs:
1. What are the minimum requirements to open an account at RFCU Valpo? (Answer would detail specific requirements)
2. What types of loans does RFCU Valpo offer? (Answer would list loan types and terms)
3. Does RFCU Valpo offer online and mobile banking? (Answer would affirm and detail features)
4. What are the fees associated with RFCU Valpo checking accounts? (Answer would list specific fees)
5. How do I become a member of RFCU? (Answer would outline membership eligibility and application process)
6. What is RFCU's commitment to the Valpo community? (Answer would discuss community involvement)
7. What are the hours of operation for the RFCU Valpo branch? (Answer would provide hours)
8. Does RFCU Valpo offer financial planning services? (Answer would detail available services)
9. What is the address and phone number for the RFCU Valpo branch? (Answer would provide contact information)
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| regional federal credit union valpo: Data and Goliath: The Hidden Battles to Collect Your Data and Control Your World Bruce Schneier, 2015-03-02 “Bruce Schneier’s amazing book is the best overview of privacy and security ever written.”—Clay Shirky Your cell phone provider tracks your location and knows who’s with you. Your online and in-store purchasing patterns are recorded, and reveal if you're unemployed, sick, or pregnant. Your e-mails and texts expose your intimate and casual friends. Google knows what you’re thinking because it saves your private searches. Facebook can determine your sexual orientation without you ever mentioning it. The powers that surveil us do more than simply store this information. Corporations use surveillance to manipulate not only the news articles and advertisements we each see, but also the prices we’re offered. Governments use surveillance to discriminate, censor, chill free speech, and put people in danger worldwide. And both sides share this information with each other or, even worse, lose it to cybercriminals in huge data breaches. Much of this is voluntary: we cooperate with corporate surveillance because it promises us convenience, and we submit to government surveillance because it promises us protection. The result is a mass surveillance society of our own making. But have we given up more than we’ve gained? In Data and Goliath, security expert Bruce Schneier offers another path, one that values both security and privacy. He brings his bestseller up-to-date with a new preface covering the latest developments, and then shows us exactly what we can do to reform government surveillance programs, shake up surveillance-based business models, and protect our individual privacy. You'll never look at your phone, your computer, your credit cards, or even your car in the same way again. |
| regional federal credit union valpo: Proceedings of the Conference on Promoting Undergraduate Research in Mathematics Joseph A. Gallian, 2007 Descriptions of summer research programs: The AIM REU: Individual projects with a common theme by D. W. Farmer The Applied Mathematical Sciences Summer Institute by E. T. Camacho and S. A. Wirkus Promoting research and minority participantion via undergraduate research in the mathematical sciences. MTBI/SUMS-Arizona State University by C. Castillo-Chavez, C. Castillo-Garsow, G. Chowell, D. Murillo, and M. Pshaenich Summer mathematics research experience for undergraduates (REU) at Brigham Young University by M. Dorff Introducing undergraduates for underrepresented minorities to mathematical research: The CSU Channel Islands/California Lutheran University REU, 2004-2006 by C. Wyels The REUT and NREUP programs at California State University, Chico by C. M. Gallagher and T. W. Mattman Undergraduate research at Canisius. Geometry and physics on graphs, summer 2006 by S. Prassidis The NSF REU at Central Michigan University by S. Narayan and K. Smith Claremont Colleges REU, 2005-07 by J. Hoste The first summer undergraduate research program at Clayton State University by A. Lanz Clemson REU in computational number theory and combinatorics by N. Calkin and K. James Research with pre-mathematicians by C. R. Johnson Traditional roots, new beginnings: Transitions in undergraduate research in mathematics at ETSU by A. P. Godbole Undergraduate research in mathematics at Grand Valley State University by S. Schlicker The Hope College REU program by T. Pennings The REU experience at Iowa State University by L. Hogben Lafayette College's REU by G. Gordon LSU REU: Graphs, knots, & Dessins in topology, number theory & geometry by N. W. Stoltzfus, R. V. Perlis, and J. W. Hoffman Mount Holyoke College mathematics summer research institute by M. M. Robinson The director's summer program at the NSA by T. White REU in mathematical biology at Penn State Erie, The Behrend College by J. P. Previte, M. A. Rutter, and S. A. Stevens The Rice University Summer Institute of Statistics (RUSIS) by J. Rojo The Rose-Hulman REU in mathematics by K. Bryan The REU program at DIMACS/Rutgers University by B. J. Latka and F. S. Roberts The SUNY Potsdam-Clarkson University REU program by J. Foisy The Trinity University research experiences for undergraduates in mathematics program by S. Chapman Undergraduate research in mathematics at the University of Akron by J. D. Adler The Duluth undergraduate research program 1977-2006 by J. A. Gallian Promoting undergraduate research in mathematics at the University of Nebraska-Lincoln by J. L. Walker, W. Ledder, R. Rebarber, and G. Woodward REU site: Algorithmic combinatorics on words by F. Blanchet-Sadri Promoting undergraduate research by T. Aktosun Research experiences for undergraduates inverse problems for electrical networks by J. A. Morrow Valparaiso experiences in research for undergraduates in mathematics by R. Gillman and Z. Szaniszlo Wabash Summer Institute in Algebra (WSIA) by M. Axtell, J. D. Phillips, and W. Turner THe SMALL program at Williams College by C. E. Silva and F. Morgan Industrial mathematics and statistics research for undergraduates at WPI by A. C. Heinricher and S. L. Weekes Descriptions of summer enrichment programs: Twelve years of summer program for women in mathematics-What works and why? by M. M. Gupta Research experience for undergraduates in numerical analysis and scientific computing: An international program by G. Fairweather and B. M. Moskal Articles: The Long-Term Undergraduate Research (LURE) model by S. S. Adams, J. A. Davis, N. Eugene, K. Hoke, S. Narayan, and K. Smith Research with students from underrepresented groups by R. Ashley, A. Ayela-Uwangue, F. Cabrera, C. Callesano, and D. A. Narayan Research classes at Gettysburg College by B. Bajnok Research in industrial projects for students: A unique undergraduate experience by S. Beggs What students say about their REU experience by F. Connolly and J. A. Gallian Diversity issues in undergraduate research by R. Cortez, D. Davenport, H |
| regional federal credit union valpo: What They Don’T Teach You in Sales School Tony Rea, 2013-07-15 If youre a salesperson struggling to close sales when you think youve done everything right, you could very well be taking missteps without knowing it. In order to help you avoid those mistakes, Tony Rea, a veteran salesperson, explains the basics of selling in this guidebook that can help you exceed expectations. Rea offers guidance on: Sales fundamentals Effectively managing the sales environment Honing your perceptive skills Communicating to infl uence The mechanics of selling to close While selling might seem straightforward, its really a complicated mix of politics, techniques, and psychology all mixed together. Figuring out how each one of those things works requires learning the craft and keeping at it. This guide can be your go-to reference for advice on fi nding creative ideas, responding to objections, and making a great fi rst impression. The techniques you learn wont just help you close more sales; they can serve to improve other areas of your life as well. Whether youre a newbie salesperson or high-level closer, you can start selling more by learning What They Dont Teach You in Sales School. |
| regional federal credit union valpo: The Complete Book of Colleges, 2012 Edition Princeton Review (Firm), 2011-08-15 Presents a comprehensive guide to 1,571 colleges and universities, and includes information on academic programs, admissions requirements, tuition costs, housing, financial aid, campus life, organizations, athletic programs, and student services. |
| regional federal credit union valpo: Historical Dictionary of International Intelligence Nigel West, 2015-05-21 Intelligence is now acknowledged as the hidden dimension to international diplomacy and national security. It is the hidden piece of the jigsaw puzzle of global relations that cements relationships, undermines alliances and topples tyrants, and after many decades of being deliberately overlooked or avoided, it is now regarded as a subject of legitimate study by academics and historians. This second edition of Historical Dictionary of International Intelligence covers its history through a chronology, an introductory essay, and an extensive bibliography. The dictionary section has over 500 cross-referenced entries on espionage techniques, categories of agents, crucial operations spies, defectors, moles, double and triple agents, and the tradecraft they apply. This book is an excellent access point for students, researchers, and anyone wanting to know more about the international intelligence. |
| regional federal credit union valpo: Bringing it Home John Gehm, 1984 |
| regional federal credit union valpo: Dick Fehnel Richard Allen Fehnel, 2009 Dick Fehnel worked as higher education consultant for the World Bank, Ford Foundation and the Human Sciences Research Council. He held the positions of acting representative (1998-1999) and programme officer (1993-2000) for the Ford Foundation, Southern Africa, after which he semi-retired to Portland, Oregon, and continued to travel and consult until his death in May 2006. The transformation of South African higher education became his raison d'tre in the last stage of his career. He loved participating in debates and seminars, and was always responsive to funding requests for urgent transformation issues pertaining to the emerging new system. Dick did not leave himself enough time to finish the last project of his career (perhaps an unintended lesson for us). During the period leading up to his ultimate deadline (two to four weeks according to his doctor), Dick dictated his thoughts while his wife, Dorene, transcribed, completing a full circle from the start of their courtship, when she used to type his term papers. The lack of time deprived Dick of one of his favorite activities - reflections leading to lessons. |
| regional federal credit union valpo: Engineering in Context , 2009 |
| regional federal credit union valpo: Deaf Culture Irene W. Leigh, Jean F. Andrews, Raychelle L. Harris, Topher González Ávila, 2020-11-12 A contemporary and vibrant Deaf culture is found within Deaf communities, including Deaf Persons of Color and those who are DeafDisabled and DeafBlind. Taking a more people-centered view, the second edition of Deaf Culture: Exploring Deaf Communities in the United States critically examines how Deaf culture fits into education, psychology, cultural studies, technology, and the arts. With the acknowledgment of signed languages all over the world as bona fide languages, the perception of Deaf people has evolved into the recognition and acceptance of a vibrant Deaf culture centered around the use of signed languages and the communities of Deaf peoples. Written by Deaf and hearing authors with extensive teaching experience and immersion in Deaf cultures and signed languages, Deaf Culture fills a niche as an introductory textbook that is more inclusive, accessible, and straightforward for those beginning their studies of the Deaf-World. New to the Second Edition: *A new co-author, Topher González Ávila, MA *Two new chapters! Chapter 7 “Deaf Communities Within the Deaf Community” highlights the complex variations within this community Chapter 10 “Deaf People and the Legal System: Education, Employment, and Criminal Justice” underscores linguistic and access rights *The remaining chapters have been significantly updated to reflect current trends and new information, such as: Advances in technology created by Deaf people that influence and enhance their lives within various national and international societies Greater emphasis on different perspectives within Deaf culture Information about legal issues and recent political action by Deaf people New information on how Deaf people are making breakthroughs in the entertainment industry Addition of new vignettes, examples, pictures, and perspectives to enhance content interest for readers and facilitate instructor teaching Introduction of theories explained in a practical and reader-friendly manner to ensure understanding An updated introduction to potential opportunities for professional and informal involvement in ASL/Deaf culture with children, youth, and adults Key Features: *Strong focus on including different communities within Deaf cultures *Thought-provoking questions, illustrative vignettes, and examples *Theories introduced and explained in a practical and reader-friendly manner |
| regional federal credit union valpo: Complete Book of Colleges Princeton Review (Firm), 2009-08-04 Target the schools that best match your interests and goals! TheComplete Book of Collegesprofiles all of the four-year colleges in the U.S. (more than 1,600!) and is the key to a successful college search. Complete Book of Collegesis packed with all of the information that prospective applicants need to know, including the details on: ·Academics ·Admissions requirements ·Application procedures ·Tuition and fees ·Transferring options ·Housing ·Financial Aid ·Athletics …and much, much more! Fully updated for 2010, theComplete Book of Collegescontains all of the latest information about each school. Its unique “Admissions Wizard” questionnaire is designed to help you find schools that meet your individual needs. With competition for college admission at an all-time high, count on The Princeton Review to provide you with the most thorough and accurate guidance on the market. |
| regional federal credit union valpo: Agriculture to Zoology Jodee L Kuden, Julianna E. Braund-Allen, Daria O. Carle, 2017-06-13 Agriculture to Zoology: Information Literacy in the Life Sciences sets the stage for purposefully integrating information literacy activities within the subject-specific content of the life sciences. The book is written for librarians and other professionals who teach information literacy skills, especially those in the science disciplines, and most especially the life sciences. It is also intended to be helpful to secondary school teachers, college faculty who teach life science-related subjects, library school students, and others interested in information literacy and science education. Anyone wanting to learn more about the Earth's life sciences, from citizen to scientist, will benefit as well. The book's seven chapters fill a gap with varying perspectives of literacy instruction in the life sciences and include resources identified by academic librarians as important for use in subject-specific research in higher education. Contributors are longtime specialists in the fields of the life sciences, science and information literacy, scientific and electronic communication, assessment, and more, including Arctic and Antarctic information. - Specialized focus on information literacy in the life science disciplines, rather than information literacy in general - Discussion of library instruction, featuring methods, tools, and assignments to engage students in different areas of the life sciences - Chapters on specific life science subjects highlight traditional as well as non-traditional sources |
| regional federal credit union valpo: Investing in Kids Timothy J. Bartik, 2011 This book presents arguments for the following propositions: Local economic development strategies in the United States should include extensive investments in high quality early childhood programs, such as prekindergarten (pre K) education, child care, and parenting assistance. Economic development policies should also include reforms in business tax incentives. But economic development benefitsChigher earnings per capita in the local communityCcan be better achieved if business incentives are complemented by early childhood programs. Economic development benefits can play an important role in motivating a grassroots movement for investing in our kids. |
| regional federal credit union valpo: NATO's Secret Armies Daniele Ganser, 2005-06-21 This fascinating new study shows how the CIA and the British secret service, in collaboration with the military alliance NATO and European military secret services, set up a network of clandestine anti-communist armies in Western Europe after World War II. These secret soldiers were trained on remote islands in the Mediterranean and in unorthodox warfare centres in England and in the United States by the Green Berets and SAS Special Forces. The network was armed with explosives, machine guns and high-tech communication equipment hidden in underground bunkers and secret arms caches in forests and mountain meadows. In some countries the secret army linked up with right-wing terrorist who in a secret war engaged in political manipulation, harrassement of left wing parties, massacres, coup d'états and torture. Codenamed 'Gladio' ('the sword'), the Italian secret army was exposed in 1990 by Italian Prime Minister Giulio Andreotti to the Italian Senate, whereupon the press spoke of The best kept, and most damaging, political-military secret since World War II (Observer, 18. November 1990) and observed that The story seems straight from the pages of a political thriller. (The Times, November 19, 1990). Ever since, so-called 'stay-behind' armies of NATO have also been discovered in France, Spain, Portugal, Germany, Belgium, the Netherlands, Luxemburg, Denmark, Norway, Sweden, Finland, Switzerland, Austria, Greece and Turkey. They were internationally coordinated by the Pentagon and NATO and had their last known meeting in the NATO-linked Allied Clandestine Committee (ACC) in Brussels in October 1990. |
| regional federal credit union valpo: Tele-tax United States. Internal Revenue Service, 1988 |
| regional federal credit union valpo: For a New West Karl Polanyi, 2014-11-10 At a recent meeting of the World Economic Forum in Davos, it was reported that a ghost was haunting the deliberations of the assembled global elite - that of the renowned social scientist and economic historian, Karl Polanyi. In his classic work, The Great Transformation, Polanyi documented the impact of the rise of market society on western civilization and captured better than anyone else the destructive effects of the economic, political and social crisis of the 1930s. Today, in the throes of another Great Recession, Polanyi’s work has gained a new significance. To understand the profound challenges faced by our democracies today, we need to revisit history and revisit his work. In this new collection of unpublished texts - lectures, draft essays and reports written between 1919 and 1958 - Polanyi examines the collapse of the liberal economic order and the demise of democracies in the inter-war years. He takes up again the fundamental question that preoccupied him throughout his work - the place of the economy in society - and aims to show how we might return to an economy anchored in society and its cultural, religious and political institutions. For anyone concerned about the danger to democracy and social life posed by the unleashing of capital from regulatory control and the dominance of the neoliberal ideologies of market fundamentalism, this important new volume by one of the great thinkers of the twentieth century is a must-read. |
| regional federal credit union valpo: Graduate Programs in the Humanities, Arts and Social Sciences 2008 Peterson's Guides Staff, Peterson's, 2007-11 The six volumes of Peterson's Annual Guides to Graduate Study, the only annually updated reference work of its kind, provide wide-ranging information on the graduate and professional programs offered by accredited colleges and universities in the United States and U.S. territories and those in Canada, Mexico, Europe, and Africa that are accredited by U.S. accrediting bodies. Books 2 through 6 are divided into sections that contain one or more directories devoted to individual programs in a particular field. Book 2 contains more than 12,500 programs of study in 152 disciplines of the humanities, arts, and social sciences. |
| regional federal credit union valpo: Sports Scandals Peter Finley, Laura L. Finley, Jeffrey Fountain, 2008-06-30 Profiles significant scandals in U.S. sports, discussing violence, drugs, gambling, sex, cheating, regrettable commentary, and politics. |
| regional federal credit union valpo: Phenomenology: The Basics Dan Zahavi, 2018-10-08 Phenomenology: The Basics is a concise and engaging introduction to one of the dominant philosophical movements of the 20th century. This lively and lucid book provides an introduction to the essential phenomenological concepts that are crucial for understanding great thinkers such as Husserl, Heidegger, and Merleau-Ponty. Written by a leading expert in the field, Dan Zahavi examines and explains key questions such as: • What is a phenomenological analysis? • What are the methodological foundations of phenomenology? • What does phenomenology have to say about embodiment and intersubjectivity? • How is phenomenology distinguished from, and related to, other fields in philosophy? • How do ideas from classic phenomenology relate to ongoing debates in psychology and qualitative research? With a glossary of key terms and suggestions for further reading, the book considers key philosophical arguments around phenomenology, making this an ideal starting point for anyone seeking a concise and accessible introduction to the rich and complex study of phenomenology. |
| regional federal credit union valpo: Federal Credit Union Handbook United States. National Credit Union Administration. Office of Examination and Insurance, 1953 |
| regional federal credit union valpo: The Case for Latvia Jukka Rislakki, 2008 What do we know about Latvia and the Latvians? A Baltic (not Balkan) nation that emerged from fifty years under the Soviet Union - interrupted by a brief but brutal Nazi-German occupation and a devastating war - now a member of the European Union and NATO. Yes, but what else? Relentless accusations keep appearing, especially in Russian media, often repeated in the West: Latvian soldiers single-handedly saved Lenin's revolution in 1917, Latvians killed Tsar Nikolai II and the Royal family, Latvia was a thoroughly anti-Semitic country and Latvians started killing Jews even before the Germans arrived in 1941, Nazi revival is rampant in today's Latvia, The Russian minority is persecuted in Latvia. . . True, false or in-between? The Finnish journalist and author Jukka Rislakki examines charges like these and provides an outline of Latvia's recent history while attempting to separate documented historical fact from misinformation and deliberate disinformation. His analysis helps to explain why the Baltic States (population 7 million) consistently top the enemy lists in public opinion polls of Russia (143 million). His knowledge of the Baltic languages allows him to make use of local sources and up-to-date historical research. He is a former Baltic States correspondent for Finland's largest daily newspaper Helsingin Sanomat and the author of several books on Finnish and Latvian history. As a neutral, experienced and often critical observer, Rislakki is uniquely qualified for the task of separating truth from fiction. |
| regional federal credit union valpo: Death and After-life Rituals in the Eyes of the Shona Canisius Mwandayi, 2011 |
| regional federal credit union valpo: Maritime Trade & Transportation , 1999 |
| regional federal credit union valpo: Vagabonds! Eloghosa Osunde, 2022-03-15 NAMED A BEST BOOK OF THE YEAR BY THE NEW YORKER LONGLISTED FOR THE CENTER FOR FICTION FIRST NOVEL PRIZE AND THE VCU CABELL FIRST NOVELIST AWARD “If you read one debut novel in 2022, this should be it.” —Los Angeles Times In the bustling streets and cloistered homes of Lagos, a cast of vivid characters—some haunted, some defiant—navigate danger, demons, and love in a quest to lead true lives. As in Nigeria, vagabonds are those whose existence is literally outlawed: the queer, the poor, the displaced, the footloose and rogue spirits. They are those who inhabit transient spaces, who make their paths and move invisibly, who embrace apparitions, old vengeances and alternative realities. Eloghosa Osunde's brave, fiercely inventive novel traces a wild array of characters for whom life itself is a form of resistance: a driver for a debauched politician with the power to command life and death; a legendary fashion designer who gives birth to a grown daughter; a lesbian couple whose tender relationship sheds unexpected light on their experience with underground sex work; a wife and mother who attends a secret spiritual gathering that shifts her world. As their lives intertwine—in bustling markets and underground clubs, churches and hotel rooms—vagabonds are seized and challenged by spirits who command the city's dark energy. Whether running from danger, meeting with secret lovers, finding their identities, or vanquishing their shadowselves, Osunde's characters confront and support one another, before converging for the once-in-a-lifetime gathering that gives the book its unexpectedly joyous conclusion. Blending unvarnished realism with myth and fantasy, Vagabonds! is a vital work of imagination that takes us deep inside the hearts, minds, and bodies of a people in duress—and in triumph. |
| regional federal credit union valpo: Name, Shame and Blame Christine Stewart, 2014-12-02 Papua New Guinea is one of the many former British Commonwealth colonies which maintain the criminalisation of the sexual activities of two groups, despite the fact that the sex takes place between consenting adults in private: sellers of sex and males who have sex with males. The English common law system was imposed on the colonies with little regard for the social regulation and belief systems of the colonised, and in most instances, was retained and developed post-Independence, regardless of the infringements of human rights involved. Now the HIV pandemic has thrown a spotlight, not altogether welcome, on the sexual activities of these two groups. In Papua New Guinea, a growing body of behavioural research has focused on such matters as individual sexual partnering, condom use and awareness of HIV. My work, however, has a different purpose. I chose the terms in the title to highlight a nexus which I believe exists between the criminal law and negative attitudes of society. At an international level, the argument has been put that decriminalising sex work and sodomy will facilitate HIV epidemic management, reducing the stigma and discrimination these groups encounter and making them easier to reach. I undertook my research therefore with the aim of gaining deeper understanding of the effects the current situation of criminalisation might have on the social lives of these criminalised people today, in the country generally and in Port Moresby the capital in particular, and whether these effects might provide evidence to support the argument for law reform. This is a rich and well-researched study of the legal, social and moral issues surrounding the criminalisation of two forms of consensual sex…. A very impressive piece of work, it is extensively documented, relies on a wide range of material and makes a clear and coherent argument about the place of law in producing identities and exclusions…. The attention to change over time and the complexity of the ways in which sexual behaviour is enacted and punished is a particular strength of the book. —Professor Sally Engle Merry, Anthropology, Law and Society, New York University This book is an exceptional contribution to our knowledge of the nexus between the criminal law and negative attitudes of society, and what effects criminalization has on the social lives of prostitutes and males who have sex with males, and whether these effects might provide evidence to support the argument for law reform…. The author’s experience of Papua New Guinea allows her to comment in depth on such matters as the United Nations’ human rights approach to the HIV epidemic and their call to decriminalize all sexual acts between consenting adults…. She shows that criminal laws—with the help of the normative discourse of religion and media—underpin and legitimize high levels of stigma, discrimination and abuse of prostitutes and males who have sex with males…. The quality of the writing and general presentation are exceptional. —Laura Zimmer-Tamakoshi, Truman State University (retired) |
| regional federal credit union valpo: Escape from Slavery Francis Bok, Edward Tivnan, 2007-04-01 In this groundbreaking modern slave narrative, Francis Bok shares his remarkable story with grace, honesty, and a wisdom gained from surviving ten years in captivity. May, 1986: Selling his mother's eggs and peanuts near his village in southern Sudan, seven year old Francis Bok's life was shattered when Arab raiders on horseback, armed with rifles and long knives, burst into the quiet marketplace, murdering men and women and gathering the young children into a group. Strapped to horses and donkeys, Francis and others were taken north, into lives of slavery under wealthy Muslim farmers. For ten years, Francis lived alone in a shed near the goats and cattle that were his responsibility. Fed with scraps from the table, slowly learning bits of an unfamiliar language and religion, the boy had almost no human contact other than his captor's family. After two failed attempts to escape-each bringing severe beatings and death threats-Francis finally escaped at age seventeen, a dramatic breakaway on foot that was his final chance. Yet his slavery did not end there, for even as he made his way toward the capital city of Khartoum, others sought to deprive him of his freedom. Determined to avoid that fate and discover what had happened to his family on that terrible day in 1986, the teenager persevered through prison and refugee camps for three more years, winning the attention of United Nations officials and being granted passage to America. Now a student and an anti-slavery activist, Francis Bok has made it his life mission to combat world slavery. His is the first voice to speak for an estimated twenty seven million people held against their will in nearly every nation, including our own. Escape from Slavery is at once a riveting adventure, a story of desperation and triumph, and a window revealing a world that few have survived to tell. |
| regional federal credit union valpo: The College Environment Alexander W. Astin, 1968 |
| regional federal credit union valpo: Crooked Politics in Northwest Indiana Jerry Davich, 2017 For more than a century, Northwest Indiana's political culture has involved secret handshakes, tapped phone calls, backroom deals and murder. Davich explores the hidden political scandals and highly publicized court cases of public servants who once swore to serve and protect. |
| regional federal credit union valpo: Data-Driven School Improvement Ellen B. Mandinach, Margaret Honey, 2008 The first comprehensive examination of the field, this book brings together stakeholders representing a variety of perspectives to explore how educators actually use data and technology tools to achieve lasting improvement in student performance. Contributors: David V. Abbott, Carrie Amon, Jonathan Bertfield, Cornelia Brunner, Fred Carrigg, Jere Confrey, Katherine Conoly, Valerie M. Crawford, Chris Dede, John Gasko, Greg Gunn, Juliette Heinze, Naomi Hupert, Sherry P. King, Mary Jane Kurabinski, Daniel Light, Lisa Long, Michael Merrill, Liane Moody, William R. Penuel, Luz M. Rivas, Mark S. Schlager, John Stewart, Sam Stringfield, Ronald Thorpe, Yukie Toyama, Jeffrey C. Wayman, and Viki M. Young. If you want to understand usable knowledge, read Data-Driven School Improvement. Ellen Condliffe Lagemann, Harvard University It is reassuring to know that at least some of the data being generated in our data-driven age are being used to make wiser decisions. We can all learn from these illustrative accounts. David C. Berliner, Mary Lou Fulton College of Education, Arizona State University Replete with examples from real schools and districts, this volume provides a multi-layered portrait of what it takes to establish a culture of data use. Readers will come away with an appreciation of the systemic changes needed to reap the full potential of data-driven decision making. Barbara Means, Center for Technology in Learning, SRI International |
| regional federal credit union valpo: Business-to-business Marketing 2020-2021 Kelli D. Washington, 2019 Business-to-Business Marketing 2020-2021 presents statistics on B2B spending, comparisons of the effectiveness of marketing tactics, surveys of marketers and end-users, and analyses of trends in the B2B marketplace. Topics include analytics, B2B media advertising, B2B e-commerce, behavioral marketing, business directories and databases, content marketing, creating customer awareness, customer relationship management, direct marketing, distribution channels, email marketing, engagement, event marketing, integrated marketing communications, lead generation, lead management, lead nurturing, marketing automation, mobile marketing, networking, online video, organic and paid search, sales staff, social media marketing, sponsorships, sports marketing, software tools, trade show marketing, website traffic, and more. Over 1,200 website links - directly embedded into the electronic edition - will direct you to additional market research and other resources.--Publisher |
| regional federal credit union valpo: Handbook of Engaged Sustainability JOAN MARQUES., 2019 This handbook is based on the premise that in order for sustainability to be sustainable, a profound psychological transformation has to take place at the individual and collective level. Focusing on the practice of environmental sustainability, this handbook will explore the application of sustainability in a wide variety of contemporary contexts -- from economics of consumption and growth to government policy, sustainable cities, and sustainable planet. The editors believe that the way to achieve sustainable, harmonious living in all spheres is through lived or engaged sustainability at the personal, team, and organizational levels. It is impossible to separate economic development issues from environment issues. In its most practical aspect, sustainability is about understanding the interconnections among environment, society, and economy. This book aims to provide a comprehensive overview of current theories and approaches in the area of engaged sustainability for academics, researchers and practitioners. Specifically, it will focus on making responsible decisions that will reduce humanity's negative impact on the environment. While various social and political initiatives for sustainability are welcome, one cannot really enact sustainability into legislative laws. Something has to change fundamentally at the level of a common person in the street. The Handbook of Engaged Sustainability acknowledges the classic literature, theories and principles in the area of sustainability, but also provides new theories and approaches from global scholars and practitioners in the field. It will also provide a well-structured pedagogical framework with real life case examples. The aim of this handbook is to expand the reader's thinking to one of big-picture awareness and a cosmic vision of sustainability, a vision that extends from our neighborhoods to our communities, to states, countries, globe, galaxy, and envelops the entire Universe! This book will serve. |
| regional federal credit union valpo: Who's who in American Law , 2003 |
| regional federal credit union valpo: The Wagstaffe Group Practice Guide James M. Wagstaffe, |
| regional federal credit union valpo: "Get on the Ground!" Human Rights Watch (Organization), 2019 This report details how policing affects Tulsa, particularly in the segregated and largely impoverished North Tulsa area. Human Rights Watch found that black people are subjected to physical force, including tasers, police dog bites, pepper spray, punches, and kicks, at a rate 2.7 times that of white people. Some neighborhoods with larger populations of black people and poor people experienced police stops more than 10 times the rate of predominantly white and wealthier neighborhoods. Arrests and citations lead to staggering accumulations of court fees, fines, and costs, often for very minor offenses, that trap poor people in a cycle of debt and further arrests for failing to pay.--Publisher website. |
| regional federal credit union valpo: Who's who in the Midwest , 1990 A biographical dictionary of noteworthy men and women of the Central and Midwestern States. |
| regional federal credit union valpo: State-chartered Credit Unions United States. Bureau of Federal Credit Unions, 1972 |
| regional federal credit union valpo: Modernization of Oil and Gas Reporting (Us Securities and Exchange Commission Regulation) (Sec) (2018 Edition) The Law Library, 2019-01-28 The Law Library presents the complete text of the Modernization of Oil and Gas Reporting (US Securities and Exchange Commission Regulation) (SEC) (2018 Edition). Updated as of May 29, 2018 The Commission is adopting revisions to its oil and gas reporting disclosures which exist in their current form in Regulation S-K and Regulation S-X under the Securities Act of 1933 and the Securities Exchange Act of 1934, as well as Industry Guide 2. The revisions are intended to provide investors with a more meaningful and comprehensive understanding of oil and gas reserves, which should help investors evaluate the relative value of oil and gas companies. In the three decades that have passed since adoption of these disclosure items, there have been significant changes in the oil and gas industry. The amendments are designed to modernize and update the oil and gas disclosure requirements to align them with current practices and changes in technology. The amendments concurrently align the full cost accounting rules with the revised disclosures. The amendments also codify and revise Industry Guide 2 in Regulation S-K. In addition, they harmonize oil and gas disclosures by foreign private issuers with the disclosures for domestic issuers. This ebook contains: - The complete text of the Modernization of Oil and Gas Reporting (US Securities and Exchange Commission Regulation) (SEC) (2018 Edition) - A dynamic table of content linking to each section - A table of contents in introduction presenting a general overview of the structure |
| regional federal credit union valpo: Who's Who in the Midwest, 1990-91 , 1990-10 |
| regional federal credit union valpo: State-chartered Credit Unions United States. National Credit Union Administration, 1977 |
| regional federal credit union valpo: Handbook United States. Bureau of Federal Credit Unions, 1956 |
| regional federal credit union valpo: Annual Report of the National Credit Union Administration United States. National Credit Union Administration, 1978 |
