2018 CFLA National Conference the Future of Money
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2021 Salary Projection Survey Summary
2021 Salary Projection Survey Insights on compensation trends expected in 2021 - Summary report 38th edition | September 2020 Table of contents 1 Introduction 2 Compensation consulting 3 Participant profile 6 Survey highlights 8 Historical base salary increase trend 9 Base salary 11 Salary structure 13 Survey participants 22 Notice 22 For more information Introduction The results presented in this report are an analysis of responses collected between July and August 2020 to the 38th edition of Morneau Shepell’s 2021 Salary Projection Survey. The data represents a broad cross-section of industries representing 889 organizations across Canada and provides data on actual salary budget increase percentages for the past and current years, along with projected increases for next year. • The report contains segmented data and a detailed analysis by Morneau Shepell’s compensation consultants. • Survey participation jumped over 75% on a year over year basis from 506 organizations participating in 2019, to 889 in 2020. Many of these organizations also participated in our 2020 Canadian Salary Surveys. • Survey data includes actual 2020 and projected 2021 base salary increases and salary structure adjustments. • Survey data is reported excluding zeros and including zeros (freezes) but does not include temporary rollbacks due to COVID-19. • Findings are summarized for non-unionized employees. • Statistical requirements applied to the data analysis include a minimum of three organizations for average/mean reported results, and a minimum of five organizations -
BANK MERGERS: IS BIGGER BETTER? Introduction
BANK MERGERS: IS BIGGER BETTER? Introduction In January 1998, the Bank of Montreal and the Royal Bank of Canada announced plans to merge and create one superbank. A few months later, in April, the Toronto Dominion Bank and the Canadian Imperial Bank of Commerce announced similar plans. The proposed bank mergers caught many people off guard, including Minister of Finance Paul Martin. In a Macleans interview, Martin said, "Just because they decided to get into bed together doesnt mean that I have to bless their union." Martins message seemed to be that Ottawa, not the banks, would decide the future of banking in Canada. "There will be no mergers in the banking sector until we are convinced that [it] is what is best for Canadians, and we will not be stampeded into making that decision." According to the banks, the proposed mergers were a natural response to a changing and highly competitive global marketplace. Mergers, they said, provide a way of maintaining a strong Canadian presence in the banking industry. Certainly, recent technological advances have dramatically changed the manner in which the financial services industry conduct their business, and the above- mentioned banks feel, therefore, that they need to be bigger to compete and to have a substantial presence in the global banking community. Martin himself acknowledged the changed nature of banking when he said, "If you look back at banking five years ago, you might as well look back two centuries." While the proposed bank mergers brought attention to the challenges facing Canadas banks, these challenges are not peculiar to the banks alone. -
Directory of the Exchange®Atm Locations in Canada
DIRECTORY OF THE EXCHANGE®ATM LOCATIONS IN CANADA SUMMER 2006 YOUR ATM NETWORK TABLE OF CONTENTS Alberta ......................................................................................................1 British Columbia .......................................................................................2 Manitoba.................................................................................................14 New Brunswick.......................................................................................15 Newfoundland.........................................................................................18 Nova Scotia ............................................................................................20 Ontario....................................................................................................24 Prince Edward Island..............................................................................37 Quebec...................................................................................................39 Saskatchewan ........................................................................................57 DIRECTORY OF ATM LOCATIONS SUMMER 2006 ALBERTA Calgary Canadian Western Bank Citizens Bank of Canada HSBC Bank Canada 6606 MacLeod Trail SW 505 Third St. SW 407-8th Avenue S.W HSBC Bank Canada HSBC Bank Canada HSBC Bank Canada 212-111 3rd Ave E 95 Crowfoot Centre NW 347 - 58th Avenue SE National Bank of Canada 301 6th Avenue Sw Edmonton Canadian Western Bank HSBC Bank Canada HSBC Bank Canada 10303 -
Financial & Legal Services
FINANCIAL & LEGAL SERVICES FINANCIAL & LEGAL FINANCIAL & LEGAL SERVICES There are specialized employment support services for various groups, such as newcomers, people with disabilities, youth, and people with barriers to employment. The services include but are not limited to assistance with resume development, preparation for a job interview, sharing job postings, etc. Some services, such as Work BC, ofer some clothing and equipment (e.g. safety shoes) to eligible clients. Banks & Credit Unions There are five big banks (the Big Five) that operate across the country: Scotiabank, TD Canada Trust, Canadian Imperial Bank of Commerce (CIBC), Royal Bank of Canada (RBC), and Bank of Montreal (BMO). All of these banks have presence in the South Okanagan-Similkameen region but only CIBC has branches in smaller communities, such as Keremeos and Princeton. Banks ofer checking and savings accounts, lines of credit, credit cards, mortgages, local and international transfers and more. One particular service that may be of interest to parents is a Registered Educations Savings Plan (RESP) for children, which federal government contributes to. Many banks ofer incentives (e.g. i-pad, TV, cash, free services for a certain period of time, etc.) for first time customers. Credit Unions are financial cooperatives controlled by customers. They use a non-profit model of governance – democratically elected volunteer board of directors. Credit Unions ofer same services as banks but have fewer products and do not have a network across the country, so if you travel or move to another region in Canada you may not have the same credit union there. Most Canadians use online banking to manage their finances – you can pay rent, utilities, credit card balances, insurances and more through an online banking platform. -
First Steps & Beyond – Success by 6
First Steps & Beyond A Child Development & Resource Guide Success by 6 Credit Union Partners Central 1 Credit Union Island Savings Credit Union Aldergrove Credit Union Kootenay Savings Credit Union BlueShore Financial Lake View Credit Union First Steps Bulkley Valley Credit Union Mt. Lehman Credit Union CCEC Credit Union Nelson & District Credit Union Coast Capital Savings Credit Union North Peace Savings & Credit Union Coastal Community Credit Union Northern Savings Credit Union & Beyond Columbia Valley Credit Union Osoyoos Credit Union Community Savings Credit Union Prospera Credit Union a child development & resource guide Compensation Employees Credit Union Revelstoke Credit Union Creston and District Credit Union Salmon Arm Savings Credit Union East Kootenay Community Credit Union Sharons Credit Union Enderby & District Financial Spruce Credit Union Envision Financial Summerland & District Credit Union First Credit Union Sunshine Coast Credit Union G&F Financial Group V.P. Credit Union Grand Forks District Credit Union Valley First Greater Vancouver Community Credit Union Vancity Savings Credit Union Heritage Credit Union Vancouver Firefighters Credit Union Integris Credit Union Vantage One Credit Union Published by Success By 6 BC. This guide was Interior Savings Williams Lake & District Credit Union made possible by the generous contributions from the Credit Unions of BC. This guide is not intended to replace medical diagnosis or care but to support parents and caregivers. When needed seek additional information and resources from an appropriate medical facility, service provider or program. Some key contacts are listed at the end of this guide. introduction Congratulations on being a parent, grandparent or caregiver. table of contents You have the most important and rewarding job in the world. -
Rule D4 Institution Numbers and Clearing Agency/Representative Arrangements
RULE D4 INSTITUTION NUMBERS AND CLEARING AGENCY/REPRESENTATIVE ARRANGEMENTS 2021CANADIAN PAYMENTS ASSOCIATION This Rule is copyrighted by the Canadian Payments Association. All rights reserved, including the right of reproduction in whole or in part, without express written permission by the Canadian Payments Association. Payments Canada is the operating brand name of the Canadian Payments Association (CPA). For legal purposes we continue to use “Canadian Payments Association” (or the Association) in these rules and in information related to rules, by-laws, and standards. RULE D4 – INSTITUTION NUMBERS AND CLEARING AGENCY/REPRESENTATIVE ARRANGEMENTS TABLE OF CONTENTS IMPLEMENTED ............................................................................................... 3 AMENDMENTS PRE-NOVEMBER 2003 ........................................................ 3 AMENDMENTS POST-NOVEMBER 2003 ..................................................... 3 INTRODUCTION ................................................................................................................. 6 ELIGIBILITY......................................................................................................................... 6 INSTITUTION NUMBERS ................................................................................................... 6 AMALGAMATION AND ACQUISITION .............................................................................. 6 NON-MEMBER ENTITIES .................................................................................................. -
A Study in Comparative Economic History
PRINCETON STUDIES IN INTERNATIONAL FINANCE NO. 36 The Formation of Financial Centers: A Study in Comparative Economic History Charles P. Kindlebergei INTERNATIONAL FINANCE SECTION DEPARTMENT OF ECONOMICS PRINCETON UNIVERSITY • 1974 PRINCETON STUDIES IN INTERNATIONAL FINANCE This is the thirty-sixth number in the series PRINCETON STUDIES IN INTERNATIONAL FINANCE, published from time to time by the Inter- national Finance Section of the Department of Economics at Princeton University. The author, Charles P. Kindleberger, is Ford Professor of Economics at the Massachusetts Institute of Technology. His work in economic history includes The World in Depression, 1929-1939 (1973) and Eco- nomic Growth in France and Britain, 1851-1950 (1964). He is the author of two Essays in International Finance, The Politics of Inter- national Money and World Language (No. 61, 1967) and Balance- of-Payments Deficits and the International Market for Liquidity (No. 46, 1965). This series is intended to be restricted to meritorious research stud- ies in the general field of international financial problems which are too technical, too specialized, or too long to qualify as ESSAYS. The Sec- tion welcomes the submission of manuscripts for this series. While the Section sponsors the studies, the writers are free to de- velop their topics as they will. Their ideas and treatment may.or may not be shared by the editorial committee of the Section or the mem- bers of the Department. PETER B. KENEN Director Princeton University PRINCETON STUDIES IN INTERNATIONAL FINANCE NO. 36 The Formation of Financial Centers: A Study in Comparative Economic History Charles P. Kindleberger INTERNATIONAL FINANCE SECTION DEPARTMENT OF ECONOMICS PRINCETON UNIVERSITY PRINCETON, NEW JERSEY November 1974 Copyright 0 1974, by International Finance Section Department of Economics, Princeton University Library of Congress Cataloging in Publication Data Kindleberger, Charles Poor, 1910- The formation of financial centers. -
NAME CONTAINER COUNTRY Great Wisconsin CU Credit Card UNITED
NAME CONTAINER COUNTRY Great Wisconsin CU Credit Card UNITED STATES Unify Financial Credit Card UNITED STATES Hagerstown Trust Bank UNITED STATES Swineford National Bank Bank UNITED STATES Fulton Bank (NJ) Bank UNITED STATES Peoples Bank of Elkton Bank UNITED STATES Premier One FCU Credit Card UNITED STATES American Bar Association Credit Card UNITED STATES Wescom CU Credit Card UNITED STATES DocHes Community CU - Credit Cards Credit Card UNITED STATES BrigHton Commerce Bank Bank UNITED STATES CaltecH Employees FCU Bank UNITED STATES AcHieve Financial CU Bank UNITED STATES Central One FCU Bank UNITED STATES Fort Financial CU Bank UNITED STATES Dort FCU Bank UNITED STATES My Bank (NM) Bank UNITED STATES Bank of RicHmond Bank UNITED STATES Best Buy - Credit Cards Credit Card UNITED STATES Castle Bank Bank UNITED STATES APCO Employees CU Bank UNITED STATES Busey Bank Bank UNITED STATES Bridgewater CU Bank UNITED STATES Columbia Bank Bank UNITED STATES Old Florida Bank Bank UNITED STATES Seattle Metropolitan CU Credit Card UNITED STATES Virginia CU Bank UNITED STATES Austin Bank Bank UNITED STATES Pacific Premier Bank Bank UNITED STATES Chemung Canal Trust Company Bank UNITED STATES ChipHone FCU Bank UNITED STATES Zales Credit Card UNITED STATES Beacon CU Bank UNITED STATES Central State CU Bank UNITED STATES Community Bank of Florida Bank UNITED STATES BankCHampaign Bank UNITED STATES Mabrey Bank Bank UNITED STATES Austin Telco FCU Bank UNITED STATES California Bear FCU Bank UNITED STATES Crane FCU Bank UNITED STATES Bowater Employees CU -
Credit Union Mortgages Canada
Credit Union Mortgages Canada Rhodesian and curvy Edwin upgather her froth commingled allargando or tasseled exceedingly, is Ambrosio Lenticellateplastered? Alfredo Kirby ridging: refortified he mongrelizehis octuplets his advances tyrannosaurus dextrally, barefoot but rhinencephalic and impliedly. Forrester never clings so aught. Cus kicked their available on a mortgage broker in canada news and credit canada, which is another area where four out the better, illness or resources Your savings can more. It offers everything its Members need to coordinate every aspect of their financial life while taking advantage of rates and offers that are often better than those offered by big banks. With usually high rate mortgage insured by either Canada Mortgage and Housing Corporation or Genworth Financial you can own temporary home began as street as 5 down. Review the negative factors in one report in work on improving them, eligible as paying bills on lung or reducing debt. Credit unions mortgages which can assist in your credit cards, update name a daily and become eligible on the community that generates an innate part in. Mortgages Alterna Savings and Credit Union Ltd. Our partners cannot pay us to guarantee favorable reviews of their products or services. Your monthly mortgage payments will stay the same for the duration of your mortgage term. Is it easier to get approved for a nail through a credit union? Can a cosigner help me get approved? That first mover advantage right off. Access a sophisticated range of funding sources and options from wheat available lenders in Canada. If home loan they paid off was innocent only installment account value might lose some points because the no all have a mix of different types of open accounts It given your only base with for low balance The balances on known open accounts can also wish your credit scores. -
A Critical Analysis of a Credit Union's Strategic Plan
A CRITICAL ANALYSIS OF A CREDIT UNION'S STRATEGIC PLAN William E. Klug M.Sc., University of Memphis, 1990 M.Sc., University of Wisconsin, 1976 B.Sc., University of Wisconsin, 197 1 PROJECT SUBMITTED IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF MASTER OF BUSINESS ADMINISTRATION In the Faculty of Business Administration EMBA Program O William E. Klug 2007 SIMON FRASER UNIVERSITY Summer 2007 All rights reserved. This work may not be reproduced in whole or in part, by photocopy or other means, without permission of the author. Approval Name: William E. Klug Degree: Master of Business Administration Title of Project: A Critical Analysis of a Credit Union's Strategic Plan Supervisory Committee: Dr. Neil Abramson Senior Supervisor Associate Professor of Strategy Faculty of Business Administration Dr. Aidan Vining Second Reader CNABS Professor of Business and Government Relations Faculty of Business Administration Date Approved: SIMON FRASER UNIVERSITY LIBRARY Declaration of Partial Copyright Licence The author, whose copyright is declared on the title page of this work, has granted to Simon Fraser University the right to lend this thesis, project or extended essay to users of the Simon Fraser University Library, and to make partial or single copies only for such users or in response to a request from the library of any other university, or other educational institution, on its own behalf or for one of its users. The author has further granted permission to Simon Fraser University to keep or make a digital copy for use in its circulating collection (currently available to the public at the "Institutional Repository" link of the SFU Library website <www.lib.sfu.ca> at: <http://ir.lib.sfu.ca/handle/1892/112>) and, without changing the content, to translate the thesis/project or extended essays, if technically possible, to any medium or format for the purpose of preservation of the digital work. -
These Results Were Tabulated from Official Ballots That Were at Least 50 Per Cent Complete When Submitted
These results were tabulated from official ballots that were at least 50 per cent complete when submitted. There is neither editorial nor advertising influence on the results. This is the 18th consecutive year that our readers have voted for their favourite business heroes in the North, Central and South Okanagan. Happy business people who receive the hottest award in the Valley know that Okanagan Life readers vote by way of official ballot. These quality businesses display the Best of the Okanagan award in their offices and retail stores for all to see. In Okanagan Life’s 24-year life we’ve worked hard to highlight courageous and innovative people whose efforts and dedication to our communities, towns and cities, make the Valley the wonder it is. This story is different because readers wrote it—we simply tallied the results and created the art and design that you see. This issue is all about recognizing the great business ideas and effort that owners, managers and staff put forth to earn their Best of the Okanagan award. Being named the best is an honour and a privilege. Please celebrate the winners, patronize them and thank them for living up to the moniker—Best of the Okanagan! —Paul Byrne PROFESSIONAL Best Real Estate South Central Best Investment Company 1 Capri Insurance 1 Interior Savings Firm North 2 Johnson Meier Insurance Credit Union North 1 Re/Max 3 Westland Insurance 2 Royal Bank 1 Canaccord Wealth 2 Century 21 3 Prospera Credit Union Management 3 Sutton Lakefront Realty Best Mortgage South 2 Fraser Financial Central Company -
March 8, 2017 Attn: Chair, Board of Directors <Credit Union Name>
March 8, 2017 Attn: Chair, Board of Directors <Credit Union Name> Re: The threat of Coast Capital Savings to the credit union system As you might be aware, Coast Capital Savings, a $17-billion-dollar credit union in the Vancouver/Victoria region, recently passed a Special Resolution to become a federal credit union. This was not a well-considered vote by the member-owners. Rather, it was a prize draw for two $5000 cash prizes in which a majority of the membership simply deferred to the Board of Directors’ voting recommendation, perhaps based on a few facile arguments like “faster to develop mobile apps.” No open debate was held, and no dissenting voices could make themselves heard. The democracy at Coast Capital Savings has been systematically degraded over the past 15 years, leaving a community of self- interested management professionals in control. Coast Capital Savings is the product of mergers of smaller credit unions, and they now plan to continue across the country with a strategy that is corporate-expansionist, not co-operative. Where they can’t merge, they will compete. They will become your immediate competitor as an online credit union. They will be a threat to bring new branches to your town over the years and decades. Please see the evidence for yourself, in the enclosed report. Much of it is written in their own hand. Credit unions are the legacy of grass-roots initiatives from the 1940s. British Columbia is about to lose part of that legacy, to the detriment of the credit union system across Canada.