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Remember Bank Transfer Day 5th of November

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Saturday, November 5, marks the fifth anniversary of Bank Transfer Day, the catalyst that in just weeks drove over 400,000 consumers across the nation to ditch their stockholder-controlled banks in favor of local, not-for-profit credit unions.

Bank Transfer Day was founded by California art gallery owner Kristin Christian, partly in response to an announcement by Bank of America that it would start charging its customers $5-per-month for use of debit cards. Bank of America later changed its mind about that fee, but for some of their customers, it was too late. In just weeks, the Bank Transfer Day online following grew to tens of thousands, consumer frustration with big, Wall St. banks swelled, and customers began looking for alternatives. Christian designated Saturday, November 5, 2011 as a symbolic day in which she encouraged bank customers to follow her to join credit unions. More than forty thousand did, that day alone.

Credit unions are different.

Credit unions are member-owned, not-for-profit cooperatives. Members pool their financial resources to make loans to other members and to provide other financial services such as business, vehicle and mortgage loans, credit cards, and savings accounts. With no stockholders to pay, earnings are invested right back into members’ households, in the form of lower interest loans and credit cards, better returns on savings, and dividends.

The average credit union household in the Northwest received $156 in direct financial benefits last year. Consumers with 60-month credit union vehicle loans are currently saving an average of over $140-per-year in interest expense compared to what they would pay at a banking institution in their state.

Membership growth continues.

The appeal of member-ownership in local, not-for-profit cooperatives with socially responsible DNA continues to drive new members to credit unions.

Since Bank Transfer Day, more than 968,000 members joined Oregon and Washington credit unions, bringing the regional total of members to 5.5 million and growing. Nationally, 104.9 million consumers trust $1.3 trillion dollars in assets to credit unions. They know their money is safe. The National Credit Union Share Insurance Fund ensures member deposits up to $250,000 per individual depositor.

Tell your news audiences how credit unions are improving their members’ financial well-being. Contact a credit union in your market or reach out to us for assistance with your report.

Source: National Credit Union Administration; Informa Research Services, Credit Union National Association, National Credit Union Administration

bank transfer day
The Northwest Credit Union Association is the not-for-profit trade association representing over 150 of Oregon and Washington’s credit unions. Northwest Credit unions are not-for-profit cooperatives, owned by their 5.5 million members. Credit unions help members achieve their financial goals. All earnings in excess of operating expenses and required reserves are returned to members in the form of lower loan rates, fewer fees and higher interest paid on savings. Northwest credit unions returned $528 million in direct financial benefit to members last year. Because credit unions are local and member driven, they provide financial education and invest in making their communities better. For information on how to join a credit union, please visit http://www.asmarterchoice.org.

Extra-Supermoon

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supermoon

The term supermoon has entered popular consciousness in recent years. Originally a term from modern astrology for a new or full moon that occurs with the moon is within 90% of its closest approach to Earth in a given orbit, supermoon now refers more broadly to a full moon that is closer to Earth than average. But why is the moon closer to Earth at some times but not others?

 

Since the moon’s orbit is elliptical, one side (perigee) is about 30,000 miles closer to Earth than the other (apogee). The word syzygy, in addition to being useful in word games, is the scientific name for when the Earth, sun, and moon line up as the moon orbits Earth. When perigee-syzygy of the Earth-moon-sun system occurs and the moon is on the opposite side of the Earth from the sun, we get a perigee moon or more commonly, a supermoon!

This coincidence happens two more times in 2016. On December 14, the moon becomes full on the same day as perigee. On November 14, it becomes full within about two hours of perigee—arguably making it an extra-super moon.

The full moon of November 14 is not only the closest full moon of 2016 but also the closest full moon to date in the 21st century. The full moon won’t come this close to Earth again until November 25, 2034.

The supermoon of December 14 is remarkable for a different reason: it’s going to wipe out the view of the Geminid meteor shower. Bright moonlight will reduce the visibility of faint meteors five to ten fold, transforming the usually fantastic Geminids into an astronomical footnote. Sky watchers will be lucky to see a dozen Geminids per hour when the shower peaks. Oh well, at least the moon will be remarkable.

How remarkable?

A supermoon, or perigee full moon can be as much as 14% bigger and 30% brighter than an apogee full moon. However it’s not always easy to tell the difference. A 30% difference in brightness can easily be masked by clouds or the competing glare of urban lights. Also, there are no rulers floating in the sky to measure lunar diameters. Hanging high overhead with no reference points to provide a sense of scale, one full moon looks much like any other.

Low-hanging moons, on the other hand, can create what’s called a “moon illusion.” When the moon is near the horizon it can look unnaturally large when viewed through trees, buildings, or other foreground objects. The effect is an optical illusion, but that fact doesn’t take away from the experience.

A supermoon is undeniably beautiful.

November 14, and December 14: mark your calendar and enjoy the super moonlight.

For more on beautiful views in the night’s sky, stay tuned to science.nasa.gov.

Nelscott Reef Unvitational Big Wave Classic is on for 11/4/16!

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The  Nelscott Reef surf, is a one of a kind wave and a gift to all of us.  The reef has put Oregon on the map in the surfing community and surfers come from all over the world to participate in these events. Thank you for showing interest in this grass roots contest, and please come down and support the hard effort involved here. If you cannot attend please check out the videos and pics!

The 11th edition of the Nelscott Reef Big Wave Classic PRO/AM Unvitational, And PRO Invitationalto be held at the best high performance big wave in the world.  Competitions will be held in 30′ minimum surf .  24 of the worlds best SUP and prone big wave surfers will participate in these ‘One Of A Kind’ events.

Nelscott Reef Big Wave Classic has been supported for over ten years by many businesses from Lincoln City and the city of Lincoln City itself,  and we would like to extend a special thanks to them and all of our sponsors!

Behemoth LLC, the original permit holder for the Nelscott Reef contests, is working with Mad Bro Inc. on creating a webcast and festival for the event.

GREEN LIGHT FOR 11/4

For athlete inquires email Event Director: John Forse

For sponsorship info please contact: Gabe Smith

nelscott big wave classic

CUBS WIN! CUBS WIN! CUBS WIN!

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By Justin Werner – Die hard Chicago Cubs fan since 1986

Chicago Cubs win 2016 World Series against the Cleveland Indians for the first time in 108 years.
Chicago Cubs win 2016 World Series against the Cleveland Indians for the first time in 108 years.

The 2016 World Series Champions are the Chicago Cubs. Holy cow I need a second to let that sink in. I have been watching the Cubs play baseball for over 30 years and not once have they won the World Series. In fact they had gone 108 years since they last won Major League Baseball’s crowning achievement. I can remember coming home from school and putting Chicago’s news station WGN on the TV and watching the Cubs play baseball. I also remember they never won but I rooted for them just the same.

People talk about Cub curses but I never really got into that, however, it was always in the back of my mind. I can’t help but feel like a great curse was broken tonight.

An unbelievable game seven went into extra innings and even suffered a quick rain delay that some on Facebook were calling #TarpGate. This World Series lived up to the hype and ultimately left grown men crying on national television.

The Cleveland Indians launched a comeback to tie the game with Rajai Davis’ 2-run HR in the 8th inning that had all Cubs fans everywhere biting their nails.

In the top of the 10th inning Ben Zobrist knocked in the winning run to give the Cubs the title. I nearly threw out my elbow pumping the air in my living room with my 10 year-old watching in stunned silence.

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Many things could be said about one of the greatest World Series’ of all-time but in the immortal words of Harry Caray, longtime Cubs sportscaster:

harry2-recovered“Root, root, root for the Cubbies, if they don’t win its a shame! For its one, two, three strikes you’re out at the old ball game!”

Hey Harry. Cubs win! Cubs win! Cubs win!

CUBS 8 INDIANS 7

Taft Boys Open State Soccer at Creswell

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taft boys soccer

Taft sophomore Logan Merry will be among the key players in Wednesday’s first-round State soccer match

A combination of leadership, experience and talent among upperclassmen, and the growth of the future of the team in the form of several key returning players for next season will be on display at 3 p.m. Friday in Creswell when Taft High opens the Class 3A/2A/1A Boys Soccer Championships.

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Taft Tigers

The 10th-seeded Tigers will be making their third straight road appearance in the 16-team State tournament’s first round under co-coaches Justin and Nicole James. The Tigers (9-3-3, 7-2-3 Special District 2) lost 3-1 at Portland Adventist Academy two seasons ago, and 4-0 at Riverside last year.

Nicole James said Taft, with an abundance of upperclassmen, is a fast team with an improved offense over last season, when it led the State for most of the year in defense. The Tigers will need solid defense throughout if they hope to derail the seventh-seeded Bulldogs, who won the Mountain Valley Conference at 12-2, 11-1.

Wednesday’s winner will meet the winner of the Umatilla (7-4-2, 3-2-1 Eastern Oregon) vs. Portland Adventist Academy (10-4, 6-2 Lewis & Clark) game in Saturday’s quarterfinals.

Taft overcame the graduation losses of two seniors on the back line by returning seven starters. James cited four seniors prior to the season who likely would have great impact on the Tigers’ fortunes and all four have proven her right.

Right wing Cesar Fajardo, who entered the year after scoring the second most goals in a single season for the Tigers, has provided a potent scoring threat.

Midfielder Joel Maldonado has continues to be one of the hardest working players on the team

“He will go 100 mph from start to finish of any game,” she said. “He always gives 100 percent and is a huge part of our offense and defense.”

Gavin Ceballos started the year at center defense for Taft and has made it difficult for opponents to get by him.

“He seems so be everywhere on the field all at once,” James said.

Also on center defense, first-team all-league player George Torres was the cornerstone of the Tigers’ defense last season,

“The success of our defense last season was due in large part to him,” James said.

Bus transportation for the first 50 interested riders is available to the game through the sponsorship of the Taft High Booster Club. Adults are $11 and students $9. Cost covers bus and admission to the game. Payment must be made by 10 a.m. Wednesday. The bus departs from the high school, 3780 S.E. Spy Glass Ridge Drive, at 11:45 a.m.

For the Class 3/2A/1A vracket, click here: http://www.osaa.org/activities/bsc/brackets

World Tsunami Awareness Day

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Much attention has recently been focused on preparing for a high-magnitude Cascadia earthquake. But tsunamis are a significant after-effect of high-magnitude quakes. Although they are rare, tsunamis can be extremely deadly. In December 2015, the United Nations General Assembly Office for Disaster Risk Reduction (UNISDR) designated Nov. 5 as World Tsunami Awareness Day. This year marks the first observance in the U.S., and around the globe. The 2016 theme is “Effective Education and Evacuation Drills.”wtad_logo

According to UNISDR, more than 260,000 people have perished in 58 separate tsunamis in the past 100 years. At an average of 4,600 deaths per disaster, the toll has surpassed any other natural hazard.

Karen Parmelee, geohazards awareness coordinator at Oregon’s Office of Emergency Management, says there are two types of tsunamis and urges people to know the difference.

Distant tsunamis, caused by a large undersea earthquake, comes from across the ocean and will take a few hours to come ashore, leaving time for an official warning and evacuation if necessary. In contrast, local tsunamis come ashore within 10 to 20 minutes after a nearby offshore earthquake. People near the ocean should head to high ground as quickly as possible as the only warning will be the ground shaking.

“People on open beaches, in low-lying areas, near bays or tidal flats, and near river mouths that drain into the ocean may have little time after a large earthquake to move to high ground,” said Parmelee. “Knowing what to do and where to go can save lives. Know local evacuation routes and assembly areas in coastal areas,” she said.

The Oregon Office of Emergency Management has several resources to help educate the public about tsunami safety:

Tsunami Safe: Hospitality Begins with Safety is a free program aimed at the hospitality industry. Hoteliers, motel owners and staff, bed and breakfast hosts, and people offering Airbnb, are all invited to attend. Classes are offered Nov. 1-8. An online schedule is available at www.tsunamisafe.info.
Know Before You Go is an OEM public information effort that encourages people to know the difference between a tsunami warning, advisory and watch, and provides evacuation maps and other resources for individuals and families.
The Tsunami Blue Line is an OEM wayfinding project implemented in Florence, Coos Bay, Reedsport and Gold Beach, aids coastal residents and visitors in finding a route outside the tsunami inundation zone and to safety.
Without Warning: Tsunami, the newest collaboration between OEM and Dark Horse Comics, helps to educate youth and others about what to do when an earthquake and tsunami strike.

For additional information about tsunami safety, visit www.tsunamizone.org.

Lincoln County Sheriff – Crisis Intervention Training

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The Lincoln County Sheriff’s Office is committed to enhancing public safety while working in partnership with our citizens to improve their quality of life. In doing so, the Sheriff’s Office sent members of its corrections and patrol divisions to Crisis Intervention Training during the month of October. This program was developed to help police officers react appropriately to situations involving mental illness or developmental disability. The program was held over 5 days and educated Sheriff’s Office staff using both classroom and scenario based training. Sheriff Landers advised that “all staff will attend this beneficial training”.

Law enforcement personnel are most often the first responders and have more frequent contact with individuals that may be in either mental or emotional crisis and we understand that this knowledge can be an invaluable tool.

Tigers’ Whitlow: I Am Woman, Hear Me Roar

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Caytlyn Whitlow
Caytlyn Whitlow earned her coach’s respect this season as a sophomore lineman

The hardest thing about being the only girl is never knowing if your team will accept you or treat you like an outcast, and having the other team treat you like a girl when you want to be treated like one of the guys. . . . And, having to change in a girls’ bathroom instead of in a locker room.– Taft sophomore lineman Caytlyn Whitlow

Taft lineman goes toe-to-toe with football’s big boys

With Its playoff-worthy football season deemed over by its failure to attain the OSAA”s only at-large berth into the Class 3A State tournament, Taft High sophomore lineman Caytlyn Whitow can look back with the understanding it was a season of something truly noteworthy in her life.

 

“I made the team by going to a competition just for the hell of it to see how it was and from there on I’ve been hooked on football,” said Whitlow, who celebrated her 16th birthday on Sunday.

“I don’t know much about her off the field,” her coach, Jake Tolan, said, “but I do know it would have been very easy for her not to continue to play. That alone says a lot about her.”

Born in Tualatin, Whitlow is a foster child who resides in Depoe Bay with her grandparents, Rick and Lisa Hall. She has two younger sisters, Kaylee, 8, and Emma. 6.

“I play football because I like challenges,” she said. “I love the rush of playing and making challenges for both my team and other teams.”

Whether in the game as a JV player or offering support from the varsity sidelines, Whitlow’s impact is apparent in practice in a big way every day.

“You have to be loud and call out the plays and be in the game when on the sidelines,” she said. “When you’re in the game as a lineman, you only have one job — make a hole and get to the ball.”

That doesn’t mean being a commodity as a female football player is easy.

“The hardest thing about being the only girl is never knowing if your team will accept you or treat you like an outcast and having the other team treat you like a girl when you want to be treated like one of the guys,” she said. .  .  . “And, having to change in a girls’ bathroom instead of in a locker room.”

img_5991-261x300Whitllow s
aid she’s been treated mostly fairly by her teammates.

“Some of the older guys treat me as an equal, but others I feel don’t like my being there,” she said. “I feel respected sometimes, not all the time like I wish to.”

Whitlow is among a stable of players Tolan and the Taft High staff hope to build upon in establishing the program for the future. The Tigers move back to Class 4A after next season after four years in Class 3A and will return just four or five seniors after graduating at least 10 each of the past two years. Taft has a bulk of returning freshmen and sophomores — Whitlow among them – but a senior class half the size.

“Hopefully, we’ll develop a stronger program in terms of numbers and expectations,” Tolan said.

While the junior varsity has seen very limited varsity action this season, players such as the 5-foot, 3-inch, 247-pound Whitlow are attractive because they help coaching staffs work daily in-season toward the impossible task of simulating what the team will be up against on Fridays. Scout team members are few in numbers and barely breaking into their teens.

“We do the best we can,” Tolan said, “but it’s impossible to duplicate speed and physicality with the young kids. They’re trying to give us the best look we can get. Fortunately, she’s done a good job of stepping in there and helping our linemen out for Fridays.”

Tolan said he doesn’t know a lot about the player except for what he has seen on the field.

“I know we haven’t treated her any differently than what we expect from the boys in all of the drills that we run,” he said. “We expect her to be able to run those drills, and she never wavered in that or she never asked us for anything. There hasn’t been anything special granted to her. She’s been a solid member of our team.”

Tolan said he was caught by her seemingly deep-rooted interest in the game.

“I don’t know if she has ever played football before or is a student of the game, but she’s always asking me questions, clarifying things about defense or offense, or, ‘can I do this?’ or, ‘can I do that,” To be honest, I hope she continues to play again next year because I want players who work hard and are a positive contributor to our team.”

If Whitlow has her way, she’d continue to play on in college. An avid reader and writer. she hopes to attend the University of Oregon and major in English literature..

“I would consider myself a good student, but like most, I have made mistakes before — some I regret more than others,” she said.

It hasn’t been easy for the red-headed teen, who has no family in the traditional sense. She has had to move at least 10 times in her life, depriving her of having good educational opportunities, “like I do now.”

“My goal is to show not only other young girls with high hopes like myself that if you put your mind to it, and work hard on it, you can make it anywhere, including in a man’s sport,” she said.

“I Am Woman”

You can bend but never break me
‘Cause it only serves to make me
More determined to achieve my final goal
And I come back even stronger
Not a novice any longer
‘Cause you’ve deepened the conviction in my soul

— Helen Reddy and Ray Burton

Taft Elementary Spooky Spectacular in 53 Seconds

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The Spooky Spectacular at Taft Elementary was packed with kids and parents and we all had a great time. Teachers and volunteers handed out candy in the doorways of classrooms and were all very friendly. On a rainy Halloween having the chance to trick-or-treat indoors was a blessing.

taft elementary spooky spectacular

In the Taft Elementary gym there were games to play and prizes to win. I especially liked the cone toss game that was being run by Lincoln City Mayor Don Williams and City Council hopeful James Scrutton. These guys were all smiles as they handed out cotton candy to the kids.

This event is sponsored by local businesses and the Bay Area Merchants Association.

One Giant Leap for Internet Privacy

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Good News for privacy concerned people! Now, your online data will not be marketed for business; at least by your Internet Service Providers (ISPs).

Yes, it’s time for your ISPs to ask your permission in order to share your sensitive data for marketing or advertisement purposes, the FCC rules.

On Thursday, the United States Federal Communications Commission (FCC) has imposed new privacy rules on Internet Service Providers (ISPs) that restrict them from sharing your online history with third parties without your consent.

In a 3-2 vote, the FCC approved the new rules by which many privacy advocates seem pleased, while some of them wanted the Commission to even apply the same rules to web-based services like Google and Facebook as well.Initially proposed earlier this year, the new rule says: “ISPs are required to obtain affirmative ‘opt-in’ consent from consumers to use and share sensitive information.”

What does ‘sensitive’ information mean here? The rule lists the following:

  • Your precise geo-location
  • Your children’s information
  • Information about your health
  • Your financial data
  • Social Security Numbers (SNNs)
  • Your Web browsing history
  • App usage history
  • The content of your communication

Note: Your broadband provider can use and share this information if you give them explicit permission. So, you need to watch out for those invites and gently worded dialog boxes.

What’s non-sensitive is information like your email address, service tier, IP address, bandwidth used and other information along those lines, but you can still officially opt-out.The new rule also requires Internet providers to tell customers with “clear, conspicuous and persistent notice” about the information they are collecting on them and how/when they share it, and the “types of entities” they share it with.

The ISPs even need to notify its customers in the event of a data breach.

The FCC aims to provide consumers an increased choice, transparency, and security online over their personal information. Here’s what the Commission writes:

“ISPs serve as a consumer’s “on-ramp” to the Internet. Providers have the ability to see a tremendous amount of their customers’ personal information that passes over that Internet connection, including their browsing habits. Consumers deserve the right to decide how that information is used and shared — and to protect their privacy and their children’s privacy online.”

Meanwhile, the advertisers are, of course, not at all happy with the FCC’s move. The Association of National Advertisers called the new rules “unprecedented, misguided and extremely harmful,” saying the move is bad for consumers as well as the U.S. economy.

However, ISPs have a year to comply with the new rules. So, it won’t go into effect for at least a year.