Monday, July 25, 2011

Email etiquette (netiquette)

Email as a medium of communication has become an almost indispensable tool for business, educational, social and personal purposes. There are no 'official' rules governing electronic communication. So beware people telling you there is one right way, they are assuming too much. As a general rule though, netiquette involves the same principles as plain old etiquette -- basic courtesy, respect and ethics.

By following the principles outlined below, the recipient of your email will be more likely to read and act, if not be favourably impressed by your message:
  • Subject line to summarise the message. Make the Subject line summarise the body of the e-mail. Ask yourself, 'will the recipient(s) know what this e-mail is about'. For example, Instead of Subject: Exam, say Subject: Location of 1508INT Exam, 23 July 05.
  • Keep it concise. Keep messages brief and to the point, but not so brief that it causes the problem outlined in the previous point. This includes deleting any irrelevant text when an email has been back and forth several times. No-one wants to scroll down through pages of text in order to reach the message they want to read. If the sense of the email will be lost by deleting that text, however, leave it in.
  • Reply within 24 hours. Try to reply within 24 hours, less if possible. In fact, get in the habit of replying immediately -- it is the polite thing to do, and the recipient will appreciate a prompt reply. It also makes you look efficient. The longer you leave it to reply, the more likely you will forget or have too big a log-jam of unanswered email.
  • Allow time for a reply. E-mail messages are not usually required to be answered immediately, though it is good practice if you do. Before sending a reminder, allow some time for a response, some times even a few days. Not everyone is online 24 hours a day.
  • Use the BCC field when sending bulk email. If you're sending email to a whole list of people, put their email addresses in the BCC field. That way, the privacy of the recipient is respected, and spammers cannot harvest the email addresses for their dastardly purposes.
  • Don't shout at people or threaten them. Don't use all capital letters, (UPPERCASE), or oversized fonts. The reader will likely feel they are being shouted at, or even threatened. If you must use UPPERCASE, use it very sparingly and only to emphasise a particularly important point. Ask yourself, 'if I was talking to the recipient face to face, would I be raising my voice to them?' One way to add emphasis is to enclose the word/phrase with an asterisk, for example "It is *important* not to shout at people by using UPPERCASE". Large sized fonts (greater than 12) are useful for people with visual impairment, but are not appropriate for general use.
  • Avoid angry outbursts.. Don't send or reply to email when you are angry. Wait until you have calmed down, then compose the email. Once written and sent, it can't be recalled. Angry or intemperate email has a way of rebounding on the sender. As a guide, ask yourself, 'would I say this to the person's face?'
  • Correct punctuate and grammar. Use punctuation in a normal manner. One exclamation point is just as effective as five !!!!! Use correct grammar as with any written message.
  • Keep the thread. When replying to an e-mail, use the reply option on the sidebar in your mail. This will keep the message in the "thread", and make it easier for the recipient to follow.
  • Spelling. Check your spelling! If you don't know how to spell something, look it up.
  • Don't Reply to All unless necessary. Think twice about sending a reply to everyone. Perhaps only selected people need to see this email. Sending it to everyone may simply be contributing to an already cluttered In-Tray.
  • Email is not confidential. It is almost laughably easy for the contents of your email to be read by others without your knowledge. So its wise to avoid saying anything you wouldn't write on the back of a postcard. Also, if you work within an organisation, rather than directly connected to an ISP (internet service provider) its becoming more likely that every email you send and receive is scanned for certain words that are 'deemed unacceptable'. Email with 'unacceptable' content is quarantined, and record is kept. People can be disciplined or fired if they send or receive too much such email. The organisation has every user sign an 'acceptable use' contract as a condition of their having an email account. That way, the employee can be deemed to have broken the contract, justifying disciplining him or her.
  • Correct priority. Avoid marking an email 'high priority' when it is really 'normal' priority.
If all this seems too prescriptive, feel free to ignore any or all of it. It makes no guarantees; it is simply a guide to writing email that if applied sensibly will enable you to have constructive relations with people via the medium of email. Good luck!

Tuesday, July 19, 2011

breakupwithmyloan.com

You'll ♥ Our Loans

You have a loan but I’ll bet you’re not totally satisfied with it – the rate may be too high, the payment may be too high, the term may be too long – so why not “Break-Up with Your Loan” and start a new relationship with us. We think that you’ll love the fact that we can probably get you a better rate, term, payment or all of the above! Plus, it’s so quick and easy, you’ll wonder why you waited so long!
Check out BreakupWithMyLoan.com to refinance your current loan from another financial lender and save! Mortgage Rates are at an all time low and our vehicle rates as low as 3% APR, you're going to LOVE the savings. Compare your current rate and monthly payment but using our free online loan calculator – enjoy the benefits of streamlined online applications and quick approvals.

Monday, July 18, 2011

LA Financial Receives 4-Star Rating

LA Financial has been rated "Excellent, 4-Star," by Bauer Financial Inc, the nation's leading independent bank rating firm. This unbiased rating is based on financial data provided to federal regulators. For more information, please visit http://www.bauerfinancial.com/.

You Can Count on LA Financial Federal Credit Union

As a LA Financial Credit Union member, you can be assured that your deposits are safe here. The credit union maintains 8.20% in capital reserves—which protects the institution in times of economic downturns—and is a measurement of strength that few banks or credit unions can match, nationwide. The credit union's strength is backed by federal insurance—the full faith and credit of the United States government. LA Financial's deposits are federally insured up to $250,000 per member by the National Credit Union Administration (plus another $250,000 on your IRA).
Your combined balances in your LA Financial savings, checking, money market, and certificate accounts are insured up to $250,000. However, your accounts can be structured for additional coverage. Please visit the NCUA's Share Insurance Estimator for more information. A summary brochure, provided by the NCUA, is available by clicking here.

Notice of Changes in Temporary NCUA (National Credit Union Administration) Insurance Coverage for Transaction (Checking) Accounts
All funds in a "noninterest-bearing transaction account" are insured in full by the NCUA through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules.

Thursday, July 7, 2011

The Short and Simple Story of the Credit Crisis



The Crisis of Credit Visualized from Jonathan Jarvis on Vimeo.

Crisisofcredit.com
The goal of giving form to a complex situation like the credit crisis is to quickly supply the essence of the situation to those unfamiliar and uninitiated. This project was completed as part of my thesis work in the Media Design Program, a graduate studio at the Art Center College of Design in Pasadena, California.

For more on my broader thesis work exploring the use of new media to make sense of a increasingly complex world, visit jonathanjarvis.com.
Support the project and buy a T-Shirt! cafepress.com/​crisisofcredit
© Copyright 2009 Jonathan Jarvis

Friday, May 20, 2011

One Small, Surprising Way to Ensure Your Kid Gets to College

According to a new report by the College Savings Initiative, kids with a savings account in their own name are six times more likely to attend college than those without an account. Yep, you read that right: six times more likely.


This research examined what happens when kids have ownership, so they're the ones who can make deposits and withdrawals at a bank. (It's not looking at what happens when their parents open a 529 or Roth IRA for them with their education expenses in mind.) The amount in the kids' account doesn't matter. It's the fact of having it that does.
William Elliott III, Ph.D., a professor at the University of Kansas and a faculty associate with the Center for Social Development at Washington University in St. Louis, explains that the study looked at high school students who said that they expected to go to college sometime in the future. "We controlled for a number of factors, including academic achievement, family income, wealth, and the children's savings," he says. "And we found they were six times more likely to attend college shortly after graduating high school if they had a savings account at a younger age. So if they had a savings account between ages 12 and 15, it was predictive of them attending college later in life."

The balances in those accounts, Elliott says, were low -- on average, somewhere around $400. Not anywhere near enough to pay for college, or even a few textbooks.

But Elliott theorizes that ownership of an account gives youngsters a sense of control. "It's helping them to be thinking of college, to have it on their mind in a more concrete way than simply saying, 'I expect to go to college,'" he explains. "They've taken some actions, they've got a savings account, they're saving some money. Positive expectations aren't quite enough."

To me, what's encouraging about this research is that it's a relatively easy step to take with a child -- open the account in their name. And it can give all of us, not just the kiddos, a small sense of power in an uncertain world. I usually look away when I see the projections on what college will cost when my daughter and son will be ready to go. Going to the local bank? That's something I can handle. The payoff can be enormous, even if the balance isn't. Elliott agrees. "That's what makes it exciting," he says. "It's not a huge step. It's doable. It's possible."

http://finance.yahoo.com/college-education/article/112756/surprising-way-kid-gets-to-college-moneywatch?mod=edu-collegeprep

Wednesday, May 18, 2011

www.connectforthecause.org

http://www.connectforthecause.org/
Please sign up for "Connect for the Cause" advocacy network . As a credit union supporter, you are aware of the need for grassroots action and mobilization efforts to inform our elected officials about credit union issues. Please take action today, and voice your opinion for your credit union! http://www.connectforthecause.org/

Vote LA Financial Credit Union as your favorite Bank or Credit Union!! www.votebestof.com


Vote LA Financial Credit Union as your favorite Bank or Credit Union!!      www.votebestof.com

Another Happy Member... Thanks Auto Expert!!

Becky F. our very happy member is shown as she took delivery of her brand new Audi A4! Becky purchased a 2011 Audi A4 through the Credit Union’s auto buying service, Auto Expert and financed it with LA Financial too. Not only did she save time, money and frustration, she also pocketed $123 with our 123 promotion and saved an additional half percent off her already low loan rate – 0.25% reduction for automatic payment and 0.25% reduction for Direct Deposit/Payroll Deduction!   

  
Here are Becky's own words about her experience:

I didn't have the time to look for a car. Working a full-time job, it was nearly impossible so I asked Aaron from LA Financial's Auto Expert service to find my car.  I was very particular in the color and options that I was looking for and Aaron could not locate my car anywhere.  I was disappointed until Aaron told me that he could special order my car from the factory with the exact options that I was looking for... and at a great price and perfect color. I literally jumped for joy when he delivered my new car. I couldn't believe my eyes! The whole process was so quick. This experience was so amazing.
  
If you’d like to jump for joy over your next car buying experience, use Auto Expert – free for all LA Financial CU members.

Thursday, April 14, 2011

Another AutoExpert Success Story!!!


Reyna C. is another happy member thanks to LA Financial's AutoExpert Service. 

"I gave Aaron from AutoExpert my car specs (2011 Toyota Highlander V6 , Magnetic Gray Metallic color ) and he was able to locate my car in one day. Aaron made this purchase a smooth transaction from beginning to the end. I love it!! I would recommend AutoExpert to everyone, " said Reyna.

If you are in the market for a new or used car, get pre-approved with a great rate from LA Financial.  Then check out LA Financial's AutoExpert service by calling Aaron at 714-783-8848.