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January 2020
THE MONTHLY NEWS MAGAZINE OF THE LANSING REGIONAL CHAMBER OF COMMERCE • JANUARY 2020 PROJECTION 2020 A DECADE OF GROWTH IN THIS ISSUE TECHSMITH’S WENDY HAMILTON TO LEAD CHAMBER BOARD IN 2020 CHAMBER AMBASSADORS HELP MEMBERS CONNECT, GROW & THRIVE FOCUS ON SMALL BUSINESS: CASK & COMPANY MESSAGE FROM THE CHAMBER Fulfilling the Mission of Serving Our Members IT IS MY GREAT HONOR TO SERVE as the 2020 chair of the Lansing Regional Chamber (LRCC) of Commerce Board of Directors. I have great admiration for the role the Chamber plays in serving its members and its leadership in helping to build a better region. It has also been my privilege to serve as CEO of TechSmith, a firm that was co-founded by my father, Bill Hamilton in 1987. TechSmith is a global leader in screen recording and screen capture software. Our company, probably very much like yours, struggled through the early years, but through the hard work and perseverance of our outstanding team members have managed to turn a small technology firm into a world leader in visual communication software. Though it was not something I had planned on doing, I was pleased to join TechSmith in 2014, which was the culmination WENDY HAMILTON of a career in the technology industry. My family and I have come to enjoy our lives living and working in the Greater Lansing region. 2020 Board Chair Lansing Regional Chamber of Commerce & I have always considered myself to be a customer-facing leader and am quite proud of the legacy that TechSmith has created CEO, TechSmith in adding value to our customers. -
What the Lens Sees Exhibit Captures Lansing in Photos, P
FREE a newspaper for the rest of us www.lansingcitypulse.com September 9-15, 2015 What the lens sees Exhibit captures Lansing in photos, p. 9 A green surprise Tea partiers push environmental incentives, p. 5 Nashville to Old Town Singer/songwriter Rachael Davis returns to Lansing, p. 12 2 www.lansingcitypulse.com City Pulse • September 9, 2015 Change a life VOLUNTEER to tutor adults in reading, English as a second language or GED preparation. — no experience necessary — Basic Training Series September 22 and 23 - 6-9 p.m. Michigan State University Confucius Institute Fuller Travel Service Inc. Wayne State University Confucius Institute Healthy & Fit Magazine call the Mrs. B’s Daycare (Tameka & Chris Billingslea) MEAT Southern BBQ & Carnivore Cuisine Miller, Caneld, Paddock & Stone, PLC Meijer – East Lansing Capital Area Literacy Coali on Cozy Koi Bed & Breakfast Kroger – East Lansing College Hunks Hauling Junk Subway of Downtown Lansing (517) 485-4949 www.thereadingpeople.org Lansing State Journal Gra Chevrolet Lansing Made LEPFA – Lansing Entertainment & Public WKAR Facilities Authority Greater Lansing Sports Authority Very Special Thanks to: Laurel Winkel of LEPFA for her dedication to dragon boating American Dragon Boat Association PRESENTS ALL of our hard working volunteers! CELEBRATING TOMATOES! 2015 Dragon Boat Teams: FEATURING THE BEST TOMATO KNIFE EVER Fire Phoenix Division Green Dragon Division Black Turtle Division MADE IN FRANCE BY LAGUIOLE Swaggin' Dragons BWL Aqua Avengers Dirty Oars Aft Kickers Flying Broncos Won Fun Bureau STAINLESS STEEL WITH ACRYLIC HANDLES IN 16 COLORS. TechSmith PaddleOars Miller Caneld Draggin' Bottom Confucius Warriors Making Waves Everett Rowing Vikings SURVIVOR TEAMS: Survivor Squirrels and WCGL SurvivOARS 211 M.A.C. -
What Do We Do with Our Branches Now? Creative Cus
◆ February 2013 ◆ WHAT DO WE DO WITH OUR BRANCHES NO W ? CREATIVE CUS HAVE NE W ID EAS Route to: ■ EVP ◆ ■ VP Operations ■ VP Finance ■ VP Marketing As Technology Develops, ■ VP Lending ■ Newsletter Editor ■ E-Coordinator The Need For Multiple Locations ■ Marketing Manager Is Dwindling — So Branches Are Evolving and Changing PUBLISHED AS A PUBLIC ServICE BY THE CREDIT UNION CENTER OF AMERICAN INCOME LIFE INSURANCE COMPANY, P.O. BoX 2608, WACO, TX 76797. CALL THE CREDIT UNION CENTER HOTLINE AT 1-800-278-6661 WITH SUGGESTIONS, QUESTIONS AND REQUESTS. VISIT OUR WEBSITE AT: WWW.AILIFE.COM ◆ WHAT DO WE DO WITH OUR BRANCHES NO W ? CREATIVE CUS HAVE NE W ID EAS ◆ The stories appear in the publications every week. Credit Unions (as well as banks) are closing branches as their electronic banking efforts increase. According to the Huffington Post, “Several large banks are now scaling down the number of branches they operate and adding sophisticated ATMs that can replace tellers.” David Noble, CU Marketing Consultant, explained that “the many new As electronic ways for Members to interact with financial institutions have resulted in the offerings continue overall impact on branch closures. Members are adapting.” to grow, many CUs Rivermark Community Credit Union of Beaverton, Oregon, recently shut- across the country tered three statewide branches in Salem, Clackamus, and Newberg. Their reason: declining branch traffic figures. are noticing the And as electronic offerings continue to grow, many CUs across the country decline in branch are noticing the same decline. traffic. Pennsylvania State Employees CU, with 400,000 Members, refers to itself as branchless. -
Building a Culture of Diversity, Equity & Inclusion
THE MONTHLY BUSINESS NEWS MAGAZINE OF THE LANSING REGIONAL CHAMBER OF COMMERCE • FEBRUARY 2021 Building a Culture of Diversity, Equity & Inclusion IN THIS ISSUE TECHSMITH ESTABLISHES NEW CORPORATE HEADQUARTERS SHYFT GROUP ANNOUNCES MAJOR JOB ADDITIONS FOCUS ON SMALL BUSINESS: NGAGE MANAGEMENT MESSAGE FROM THE CHAMBER Living Our Commitment to Diversity, Equity & Inclusion was a watershed moment in our nation’s history. It was a year of the unprecedented COVID-19 pandemic, great 2020 turmoil, and divisiveness, and a year that ripped at our souls over the civil unrest that erupted on multiple occasions. The pain of our nation’s failures to come to grips with social justice was felt throughout our communities and within all of our organizations. If there is good news to come out of the past 12 months, it has been in a renewed commitment to elevating the cause of diversity, equity, and inclusion (DE&I). This month’s Focus cover story features several organizations that have TIM DAMAN been among the leaders in DE&I for many years, in some cases, for decades. President and CEO We wanted to highlight the great work that is already being done and Lansing Regional showcase some of the best practices and challenges involved in building a Chamber of Commerce DE&I culture. As leaders, all of us need to be Not surprisingly, organizations that have established DE&I initiatives willing to be vulnerable and have utilized the past year’s civil unrest to strengthen their commitment face our shortcomings in the further. Leaders at the highest levels of these organizations conducted town hall meetings and listening tours where they heard first-hand the DE&I makes our organizations concerns that their team members feel about social injustice and how it impacts their everyday lives. -
Board Disparities
THURSDAY3pt stroke AUGUST, 100% 19size, 2021for top VOL. of newspaper 186 No. 159= 8.9931 inches AMERICANBANKER.COM Follow us on Twitter @AmerBanker JPMorgan Chase warns 5 customers of possible data exposure Board disparities The incident, which may have exposed A survey of 44 large banks found that Blacks, Latinos and customers’ account information to other 2.5pt stroke = 6.75 inches customers, was caused by a technical glitch, Asians were less represented on the banks' boards than the company wrote in a notice posted on a in their workforces state attorney general’s website. Page 7 See story on page 2 Personal finance fintech Albert Boards Workforces 6 rolls out checking account The Los Angeles company is bundling a wide 2pt stroke = 5.75 inches range of services like Digit, Dave, Chime, 90% Wealthfront and Moneylion to compete with 80% 80% traditional banks on more fronts. Page 7 70% 60% 58% 50% Mexican fintech expanding into U.S. to 40% 1.5pt stroke = 4.6667 inches 7 30% finance cross-border trade 20% Credijusto, the first fintech in Mexico to 10% 11% 12% 11% 12% buy a bank, plans to cater to a market that 5% 7.5% 0% 3% 1% traditional banks often overlook: smaller 1pt strokeWhiteB = 3 inches lackLaǎno Asian Other businesses engaged in commerce between the two countries. Page 8 Source: Democratic staff report, House Financial Services Committee, February 2020 Fintechs found 8 to be much likelier to OK suspicious PPP loans Fintechs were almost five times more likely dailybriefing Will CFPB take cues than traditional lenders to be involved with 3 from Canada in writing suspicious loans issued through the U.S. -
Okemos High School Guide to Curriculum 2017-18
GUIDE TO CURRICULUM FOR STUDENTS AND PARENTS/GUARDIANS 2017-2018 ii Okemos High School 2800 Jolly Road Okemos, Michigan 48864 Telephone (517) 706-4900 Fax (517) 351-9786 THE PRIDE CONTINUES Mrs. Christine M. Sermak Principal Dr. Steve C. Delp Assistant Principal Dr. Melissa D. Eades Assistant Principal Mr. Ira Childress Athletic Director Dear Students and Parents/ Guardians: It is with a great deal of pride that the faculty and staff of Okemos High School present to you the courses and curriculum that are listed and discussed in this book. It is our goal to present to you a program that allows every student the opportunity to be challenged, to pursue his/her interests and to realize his/her potential. Please study this publication carefully. Each course listing is accompanied by a detailed description which will aid you greatly in your selection of courses. The final section, entitled Academic Policies and Procedures, is of vital importance to you. It contains information about graduation requirements and the various options available to you to gain the credits necessary to graduate from Okemos High School. It provides information concerning auditing courses, dropping and adding courses, acquiring credit externally and information about guided independent study, the credit/no credit option, and several other academic policies. It is a pleasure for me to work with the exceptional faculty which will facilitate your learning. It is also my pleasure to be associated with a student body that is motivated and serious about education, as well as vibrant and positive. I am available to you at any time to discuss your experience at Okemos High School. -
Ten Who Died in 2012 See Page 7 2 City Pulse • December 26, 2012
FREE a newspaper for the rest of us www.lansingcitypulse.com Dec. 26, 2012-Jan. 1, 2013 The poet the rapper the businessman the farmer the scientist the maid the waitress the actress two teachers World War II and five million cups of coffee Ten who died in 2012 See page 7 2 www.lansingcitypulse.com City Pulse • December 26, 2012 CAPITAL AREA DISTRICT LIBRARIES LOVE THY NEIGHBOR This holiday season, buy THY the tablet or eReader… Gay | Straight | Atheist | Jew Muslim | Christian | Homeless get the books free! Rich | Democrat | Republican Use your CADL card to download Black | White | Brown our eBooks and eAudiobooks. Male | Female | Trans NEIGHBOR • Compatible with Kindle, Nook, iPad and many other devices WE’RE WILLING TO GIVE IT A TRY • Available 24/7 • Never overdue 125 S. Pennsylvania Ave. Worship Service Pilgrim Congregational Sunday 10AM We’ll even throw in free, United Church of Christ (517) 484-7434 Lansing MI personalized help to get www.PilgrimUCC.com you started! Visit cadl.org/download 20% OFF for details. your entire PURCHASE SU CASA EXPIRES 12/31/2012 SOME EXCLUSIONS APPLY MUST PRESENT BOUTIQUE COUPON WITH PURCHASE FAMILY OWNED & OPERATED SINCE 1974 Hosted by SHOP LOCAL! Berl Schwartz NOW OPEN SUNDAYS NOON TO 5:00P.M. THROUGH CHRISTMAS! Newsmakers PART II Over 38 years serving Lansing & still smokin’! Lansing’s oldest & most unique boutique. 517.487.9090 • 1041 N. Cedar • Lansing, MI • www.sucasajewelers.com TIM BARRON EVERY WEEKDAY MORNING 6AM-9AM Ari Adler Spokesman for Republican Speaker of the House Jase Bolger Lynn Martinez Former Democratic state representative Walt Sorg City Pulse contributor Susan Demas Senate reporter, MIRS Comcast Ch. -
Fidelity® Total Market Index Fund
Quarterly Holdings Report for Fidelity® Total Market Index Fund May 31, 2021 STI-QTLY-0721 1.816022.116 Schedule of Investments May 31, 2021 (Unaudited) Showing Percentage of Net Assets Common Stocks – 99.3% Shares Value Shares Value COMMUNICATION SERVICES – 10.1% World Wrestling Entertainment, Inc. Class A (b) 76,178 $ 4,253,780 Diversified Telecommunication Services – 1.1% Zynga, Inc. (a) 1,573,367 17,055,298 Alaska Communication Systems Group, Inc. 95,774 $ 317,970 1,211,987,366 Anterix, Inc. (a) (b) 16,962 838,941 Interactive Media & Services – 5.6% AT&T, Inc. 11,060,871 325,521,434 Alphabet, Inc.: ATN International, Inc. 17,036 805,292 Class A (a) 466,301 1,099,001,512 Bandwidth, Inc. (a) (b) 34,033 4,025,764 Class C (a) 446,972 1,077,899,796 Cincinnati Bell, Inc. (a) 84,225 1,297,065 ANGI Homeservices, Inc. Class A (a) 120,975 1,715,426 Cogent Communications Group, Inc. (b) 66,520 5,028,912 Autoweb, Inc. (a) (b) 6,653 19,028 Consolidated Communications Holdings, Inc. (a) 110,609 1,035,300 Bumble, Inc. 77,109 3,679,641 Globalstar, Inc. (a) (b) 1,067,098 1,707,357 CarGurus, Inc. Class A (a) 136,717 3,858,154 IDT Corp. Class B (a) (b) 31,682 914,343 Cars.com, Inc. (a) 110,752 1,618,087 Iridium Communications, Inc. (a) 186,035 7,108,397 DHI Group, Inc. (a) (b) 99,689 319,005 Liberty Global PLC: Eventbrite, Inc. (a) 114,588 2,326,136 Class A (a) 196,087 5,355,136 EverQuote, Inc. -
Page 1 of 375 6/16/2021 File:///C:/Users/Rtroche
Page 1 of 375 :: Access Flex Bear High Yield ProFund :: Schedule of Portfolio Investments :: April 30, 2021 (unaudited) Repurchase Agreements(a) (27.5%) Principal Amount Value Repurchase Agreements with various counterparties, 0.00%, dated 4/30/21, due 5/3/21, total to be received $129,000. $ 129,000 $ 129,000 TOTAL REPURCHASE AGREEMENTS (Cost $129,000) 129,000 TOTAL INVESTMENT SECURITIES 129,000 (Cost $129,000) - 27.5% Net other assets (liabilities) - 72.5% 340,579 NET ASSETS - (100.0%) $ 469,579 (a) The ProFund invests in Repurchase Agreements jointly with other funds in the Trust. See "Repurchase Agreements" in the Appendix to view the details of each individual agreement and counterparty as well as a description of the securities subject to repurchase. Futures Contracts Sold Number Value and Unrealized of Expiration Appreciation/ Contracts Date Notional Amount (Depreciation) 5-Year U.S. Treasury Note Futures Contracts 3 7/1/21 $ (371,977) $ 2,973 Centrally Cleared Swap Agreements Credit Default Swap Agreements - Buy Protection (1) Implied Credit Spread at Notional Premiums Unrealized Underlying Payment Fixed Deal Maturity April 30, Amount Paid Appreciation/ Variation Instrument Frequency Pay Rate Date 2021(2) (3) Value (Received) (Depreciation) Margin CDX North America High Yield Index Swap Agreement; Series 36 Daily 5 .00% 6/20/26 2.89% $ 450,000 $ (44,254) $ (38,009) $ (6,245) $ 689 (1) When a credit event occurs as defined under the terms of the swap agreement, the Fund as a buyer of credit protection will either (i) receive from the seller of protection an amount equal to the par value of the defaulted reference entity and deliver the reference entity or (ii) receive a net amount equal to the par value of the defaulted reference entity less its recovery value. -
Filene: Living the Promise of Think. Do. Change
IT UP Credit unions are a path to a better financial future. Filene empowers you to LIGHT IT UP. Your financial support of Filene serves as a light to a brighter financial future for hardworking people. You push credit unions forward, to light the path for others to follow, and to ensure people in your communities seize opportunities and shine. Our shared passion and dedication to help consumers find safe and reliable financial solutions is transcendent. Couple that with the polarization of wealth and the incentives for banks to focus on short- term shareholder returns; credit unions are on the cusp of greatness realized. Now is our time. We face major challenges: Ensuring the right talent is in place, keeping pace with emerging financial technologies, growing new ideas and creating sustainable innovation to meet expanding consumer demands, and having the resources to build organizational excellence to support scaling. We rise to these challenges, together. That’s why we celebrate you. Your gift allows us to research, test and offer proven solutions that create meaningful impact for your organization and drive positive change for your members. You light the way for a brighter financial future for millions of people. Shine on, Mark Meyer President + CEO DOWNLOAD the DIGITAL VERSION filene.org/annual-report/2017 IMPACT OF YOUR DONATION As a Filene Research Institute member, you join more than 1,000 other passionate organizationsWHEN that WE support GET theTOGETHE growth andR, sustainability THINGS HEAT of cooperative UP. HER finance.E’S HOW: We just want to thank you for playing with us! We are not much into trophies, but 1,005 people representing 340 credit The Cooperative Trust was bestowed unions and system organizations the movement’s shiniest honor: across North America engaged in The Herb Wegner Award. -
State of the Region Report 2020
The Next State of the 2020 Step Forward Lansing Region Clinton • Eaton • Ingham • Shiawassee State of the Lansing Region, 2020 2 The Next State of the 2020 Step Forward Lansing Region Foreword As we enter a new decade, the Lansing region, encompassing Ingham, Eaton, Clinton, and Shiawassee counties, is experiencing historic levels of economic growth. There are $3.2 billion in current new investments, with hundreds of millions more and thousands of jobs expected. These projects are as diverse as our region’s economy ranging from one of the world’s leading particle accelerator facilities to a new hospital to mixed-used buildings, insur- partner ance headquarter expansions, manufacturing investment, and agricultural processing facilities. We have successfully positioned our region on the national and global stage, competing for and Tim Daman, President attracting significant foreign investment and Fortune 500 companies. As our population grows, and CEO, Lansing Regional so does our region’s visibility as an attractive location for business and talent. Chamber of Commerce The Lansing region’s unique assets are competitive with regions such as Columbus, Greenville, Des Moines, Madison, Nashville, and Ann Arbor. These assets are being harnessed and en- hanced to help develop a more vibrant and prosperous future. partner Our collective future is bright in a highly competitive global economy. However, we must accelerate our efforts to compete for future jobs and investments successfully. One of the first steps was to benchmark our region against thriving communities and identify our competitive Bob Trezise, President and strengths, opportunities for growth, and a regional vision. We currently do not compare favor- CEO, Lansing Area Economic ably on many measures, which we should view as opportunities. -
Business Credit Card
Visa® Platinum Business Credit Card As your business grows, Lake Trust Credit Union can In addition to Business Credit Cards, Lake Trust can help open the door to increased working capital with provide your business with virtually every financial a Visa® Platinum Business Credit Card. Accepted at service it requires including checking accounts and millions of locations worldwide, it gives you greater commercial lending. We’ll work with you to determine purchasing flexibility, control, and documentation: your business’ specific financial needs. 4 Streamline money management and simplify tax time. For more information on our Business Services, visit laketrust.org/business, call 888.267.7200, or visit your 4 Keep business purchases separate from personal local branch. spending. 4 Track online your balances, payment dates, and credit limits. Also make payments and review purchase records that are updated daily. 4 Your company name and the cardholder’s name are on each card. 4 You decide which employees receive a card and set their spending limit. 888.267.7200 laketrust.org Business Credit Card Features Annual Fee $50 Minimum Credit Limit $5,000 Interest Rate Variable1 Minimum Payment 2% of balance owed or minimum of $15 Grace Period 25-day Returned Payment $35 Late Payment $35 Balance Transfer No Charge Cash Advance No Charge (any ATM or financial institution Billing Options that displays the Visa logo) Rewards Program Earns points toward travel, merchandise, and gift Individual Pay Option certificates. For every $1.00 purchased, you get Individual statement for each one point..2 Get bonus points and special offers at cardholder in the company.