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What Are the Defining Characteristics of a Credit Union?

Castle Rock credit union

Credit unions are non-profit financial institutions the account holders of which are called members and are the co-owners of their union. While credit unions share many features with other types of financial organizations, such as banks and lenders, they also have some features that are unique to them – here are some of these defining characteristics.

Characteristics Shared with Other Types of Financial Institutions

Like banks, a local Castle Rock credit union offers various types of accounts, including checking accounts and savings accounts and they also offer credit cards, various credit lines and loans. They usually have branch offices as well as ATMs.

Characteristics that Distinguish Credit Unions

Credit unions are also very different from conventional banks, the areas that set them apart being their approach toward profit and toward their account holders.

While banks are profit-oriented companies that are either privately owned or traded publicly, credit unions are not-for-profit organizations that are owned by their account holders – called members, credit union account holders are owners of the credit union they join, which also means that the profit made by credit unions is distributed toward the members, usually in the form of yearly dividends. The ownership status of the members also gives the members the right to vote about important decisions related to the way their credit union is run, such as the composition of the board or the developments in the field of IT infrastructure.

Another important difference between banks and credit unions is the way they handle customer service. While the services of large banks are often impersonal and cold, a Castle Rock credit union provides services that are more accessible, friendlier and more focused on the needs of the customer. Credit unions are often involved in community enrichment projects and many of them offer free financial education seminars and workshops to their members.

The products and services available with credit unions are essentially the same as the features offered by banks, but with some notable differences. The terms and conditions related to the products and services available with credit unions are usually much more favorable than the ones offered by banks – not being focused on profit, credit unions offer higher interest rates on deposits, lower interest rates on loans, smaller minimum deposits, mortgages, auto loans and other loans with more convenient repayment conditions. Most credit unions are also willing to work with people who are not considered creditworthy by banks and who have had previous difficulties repaying loans.

Like banks, credit union deposits are also guaranteed by the government, but in a slightly different way. While bank deposits are guaranteed by the Federal Deposit Insurance Corporation (FDIC) up to the amount of $250,000, the deposits made in federal credit unions and in many state credit unions are guaranteed up to the same amount, but by a different organization, one called the National Credit Union Administration. Not all credit unions provide such guarantee, though – some of them are privately insured, so before you choose the credit union to join it is a good idea to check the organization’s insurance affiliation.

What Makes an Executive Search Firm Valuable

Leadership requires the ability to take the initiative and have self-confidence. Startups are often characterized by the team’s desire to do a little bit of everything, as well as to take risks. Even market-leading companies must take risks to maintain their position and keep growing. The challenge is to find leaders who can create an entrepreneurial culture, regardless of the size of the organization.

The duration of a consulting project for the recruitment of a manager can vary from one industry to another and, of course, depend on the complexity of the position. In some cases, recruitment may extend beyond the country. One of the difficulties that began to appear more and more often is related to the fact that many candidates, especially those selected for lower positions, fail to show up at interviews, citing various reasons or excuses.

The process of recruiting a manager has several stages: understanding the company’s need, search and recruitment strategy, research, direct search, database analysis (local and/ or international), sourcing, LinkedIn, etc. To these are added interviews, evaluation reports, status, etc., introduction of the short list, interviews with the employer, negotiations, closing the notice period, starting the actual job.

executive search firms

Given the complexity of the process, it is best to turn to executive search firms. The choice to collaborate with such specialists is valuable for several reasons.

  1. Recruitment time decreases

Depending on the position you want to find an executive for – top manager, senior manager, middle manager -, also depending on how permissive or restrictive the requirements and conditions for that job are and the impact it has on the business, the decision period may vary from a month (this is the optimist scenario that happens if you already know the candidate) up to a year. Of course, each project and position has its own peculiarities, so that even specialists can work on a consulting project for recruiting a junior that lasts longer than you would expect, maybe even longer than recruiting a manager. But working with an executive search firm definitely brings you faster results than if you did all this using your own resources.

  1. Understanding the factors that influence recruitment

An executive search company knows that, depending on what you are looking for – top, senior or middle manager – these factors differ: the people you talk to, the experience of your company in working with Executive Search firms, the urgency of the requirement, its clarity, what is required versus what is offered, how rare the required skills are, the key stakeholders around that role and their interests regarding that role, the quality of the available candidates, their number etc.

  1. The success of the recruitment

Once the recruitment is completed, the question arises as to how to measure the success of such a process and whether it is enough to identify the right person and hire them within the company.

Success is measured when the recruited manager integrates and starts to deliver results. At that time you realized that collaborating with an executable search firm was extremely important for these very good professional results.

What Are The Top Characteristics of A Great Roofing Company

Choosing the material and installation equipment for a roof is often a more difficult task than it seems at first glance. However, considering that the roof protects the entire structure of the house, you should pay due attention, and the choice criteria should not be limited to the price.

What you have to choose very carefully is the company that is going to build the roof, because the following course of actions will depend on it. When you decide to hire a roofing company, it is important to keep in mind certain aspects. Roughly speaking, a professional roofer must have a valid operating license, expertise and reputation.

Before considering anything else you need to check if roof remodeling contractors Denver companies are licensed. This is a proof that the company has all the documents in order, complies with all the safety rules and you will not have any legal problems with it. If the company does not have a license, it cannot conclude a valid contract, and if they will not respect the contract or something goes wrong, you will have no legal basis to sue them.

remodeling contractors Denver

When you look for a roofing company, you should have a clear budget for your project, because you must compare the offers and price estimates you get with your available budget. Often, these companies offer customized service packages to meet your needs.

It is also a good idea to look for remodeling contractors Denver companies that offer diverse services but is specialized in the type of roof you need – residential or commercial, as the two types of roofing involve different methods and technologies.

Here is a list of general services a roofing company should be able to offer:

  • Technical consulting
  • Roof installation
  • Installation of different types of cover materials
  • Measurements
  • Repairs
  • Post-warranty maintenance work
  • Carpentry work
  • Attic thermal insulation
  • Pluvial systems – gutters and downspouts
  • Emergency services

It is quite difficult to check the quality of the roofing work you get, and only the time will show whether the installer did its job properly not. A professional roofer is not a con and it will work according to the REALIST budget you have previously discussed. It is directly interested in ensuring client satisfaction because its reputation depends on it.  A professional roofer will always be transparent when it comes to every aspect of the project it deals with. Many clients entrust to the roofing team everything from purchasing materials to installation, because they personally lack time and experience. Obviously, to do that, they must trust completely the roofer and make sure they get warranties. A good roofer must have experience in choosing the best materials for a certain roofing project, estimate the quantities, taking into account the losses and offer warranties.

The roofing company you want to hire to execute your work must be transparent, there must be no hidden costs, workmanship must be included in the price, and the work schedule and deadlines must be respected.

Interview Tips for Mental Health Professionals

What can you do with a diploma in the mental health field? – This is not a question with a single answer, as there are many jobs associated with this professional environment. With a degree in psychology, you can pursue a career in healthcare and therapy (expert psychologist, psychotherapist, social worker or counselor), or even in education and research.

If you are looking for psychiatric nurse practitioner jobs Massachusetts opportunities, or other mental health professional opportunities, you must typically browse through offers and attend job interviews. The exact purpose of the job interview is to determine the extent to which the candidate, i.e. you, meets the needs of the employer. The employer has decided, based on the information available in the CV and the letter of intent, possibly also on the basis of recommendations, to give you the opportunity to prove why you are the best candidate for that position. Do not forget, however, that the interview can be a confirmation, but also a denial of the compatibility of your candidate profile with that of the job profile. The perfect candidate is almost never the ideal employee. As such, the employer will seek to determine, at the end of the meeting with you, whether you are elected, whether you are the person able to answer meet all the job requirements.

searching for psychiatric nurse practitioner jobs in Massachusetts

A few interview tips

Before going to a job interview you should think about questions specific to the mental health field that recruiters might ask you and which may relate to the specific skills of such a job or your previous experience, if any. Try to be ready for any scenario.

The answers you give during a job interview may depend on the job you apply for as well as the employer itself. As such, it is advisable to think about these details before each interview with a different employer.

It is very important that when you go to a job interview you have an attitude that highlights your personality and skills. As a mental health professional, you may have an advantage, considering that your education in psychology can help you handle the situation better than other candidates.

Always try to give the impression that you are in control, but not by aggressively dominating the conversation and strenuously imposing your point of view. By doing so, you will just sign your rejection. Being in control in a job interview involves radiating a sense of calm, trust and competence around you. That’s because you want to communicate that you are a professional and the best choice for that job.

A candidate who goes to the interview with the feeling that he/she is in control will create a climate of safety, predictability and absence of risks. These are subtle qualities that recruiters value, although many are not even aware of it.

Time is an important resource, which is why no employer will call to an interview a person that they already know is not able to handle the job requirements. When you go to an interview, you should be aware that the employer expects you to do well and it is up to you to confirm their expectations. Use these positive expectations in your favor.

Hiring Tips For Finding A Great Counselor

Searchning For Mental Health Jobs And Counselors Near Me

A psychological problem is not synonymous with mental illness, so it is important to know what specialist you need and how you find it.

Let’s first make a difference between three terms that people often use interchangeably.

  • The psychologist is a psychology graduate, specialized in labor and traffic psychology, educational psychology, school and vocational counseling, psychology for defense, public order and national security, or clinical psychology.
  • The psychotherapist is the psychologist specializing in psychotherapy, which means that after graduating from the university and eventually from a master’s degree in psychology, this specialist follows some psychotherapy and personal development training.
  • The psychological counselor is also a psychology graduate, following training courses based on self-knowledge and personal development. This professional is focused on concrete issues, on optimization and personal development. The role of the counselor is to stimulate self-knowledge and personal development, as well as prevent certain emotional, cognitive and behavioral problems. However, a counselor has no competence to do psychotherapy.

What does the psychological counselor do?

Through psychological methods, the counselor mediates and guides the process of self-knowledge, improving the quality of life from a psychological point of view. He or she guides and supports the process of personal development and also prevents and regulates various imbalances and issues of emotional, cognitive or behavioral nature.

In other words, a counselor guides the person in a difficult situation, to find their own way, their own solutions.

When people have a problem or an emotional challenge, they often turn to a friend or a relative and avoid going to a counselor. The support we get from friends or relatives is important indeed, but not specialized; it is often subjective and may have an inappropriate influence.

The psychological counselor accompanies the patients in finding their own solutions, supports them to make their own decisions, and does not direct them to something that may not be right, but guides them towards finding their own way.

Finding a great counselor

It is advisable that expectations about the attitude and behavior of the counselor, how they conduct sessions and other issues related to this type of experience are discussed right from the beginning. The counselor`s duty is to clarify the details of his / her professional training, the attitude towards change, the structure of the intervention, the usefulness of each part, prioritizing objectives, confidentiality limits and expectations. Also, if the counselor notices that there is no compatibility with the patient, they should refer them to another specialist.

Finding the right counselor can change your life and the way you interact with yourself, with others and the world in general. Therefore, do not choose the first counselor that you can find; take your time and get information about the person you consider and make sure you do some real progress during your interaction.

You know you found a good counselor when:

  • you feel respected and encouraged
  • you trust their knowledge and their desire to help
  • the goals set together are realistic and you believe together in the possibility of your change
  • you feel safe
  • you do not have the feeling that you are pushed in an unwanted or unsuitable direction
  • there is mutual sympathy
  • you cannot wait for the next meeting.

If you are currently in the mental health field and looking to move it’s best to search for mental health jobs near me, to find a job close to home and close to your patient for their convenience.

How to Sell Timeshare that You No Longer Want – Tips and Advice

Tips and Advice to sell your timeshare

Many people who initially thought that a fixed-week unit might solve the problem of having to choose vacation destinations, of booking flights and accommodation later find that the timeshare they have bought into no longer fits their lifestyle or their financial situation – the family might have grown since the initial purchase, current employment might not make travelling possible in the week specified in the contract or the mortgage might be an obstacle. Whatever your reason, if you have decided to get rid of your contract, here are a few ways to sell timeshare efficiently.

Understand the Details of Your Contract

To be able to sell your timeshare efficiently, you first of all need to understand the contract. Figure out exactly the type of rights that you have bought – if it is a deeded ownership, it might be worth more than a right to use contract with a limited duration. Put together a file that includes all the documents related to the timeshare, such as maintenance documents, tax records and mortgage information to be able to determine the best asking price and to be able to answer the questions asked by potential buyers.

Ask around to Find Someone Who Wants Your Contract

The luckiest scenario is to find the right buyer among your friends or family members. Tell everyone you meet that you have a timeshare to sell – word-of-mouth advertising can be more efficient than you think. It might also be a good idea to try to find out who owns the right to use the property immediately before or after your weeks – they might be interested in taking over your contract to extend their stay on the property.

Create Listings

There are many online and offline agencies that sell or resell timeshares. Some of them specialize in timeshares exclusively, others focus on selling standard, residential properties, but have a special section for timeshares as well. They are different in terms of the related costs as well – some agencies will charge only a commission payable upon selling the property, others might charge a small upfront fee and commission as well.

Auction and Retail Sites

The largest auction and retail platforms also have sections where you can advertise your property, but make sure you read the terms and conditions of usage of he website very carefully and you understanding the selling and bidding process to avoid unpleasant surprises. To make the selling process more efficient, research existing ads to finely tune your pricing and to create an ad that makes your property look attractive.

Talk to Your Seller

Many timeshare sellers have buy-back programs as well, so you might contact them to offer them your rights over the property. However, the main focus of these companies is usually on selling new properties, so they might not offer the best price, but it is definitely worth a try.

Classified Ads

You can try advertising your timeshare property in your local newspaper or you can join a timeshare owners club for help – they offer various member services, including classified ads that are targeted directly towards audiences interested in buying.

How Do Bonds Work and Why Are They Truly Needed?

Different Types of Bonds

When it comes to finances, bonds represent one of the most significant concepts you need to know about. With the help of bonds, cities can build their infrastructure, companies can invest huge amounts in erecting large buildings, and just about anyone who invests their money wisely can benefit. But what are bonds, and why do so many people consider them a viable investment option? Let’s explore that answer and many others below.


Understanding the Concept Behind How Bonds Work


So, how do bonds work anyway? The idea behind bonds is that companies and large government or state entities cannot borrow money from the bank as most regular people or small businesses would. The premise is that the amounts required are too big even for most banks to handle on their own.


As a result, these entities will issue what are known as bonds, in order to obtain the financing they require. Bonds are, therefore, essentially loans. When you purchase a bond, you give your money to the entity in question, which then uses it as capital to fuel its projects and initiatives. The returns and profits are then funneled back to the original investors along with the appropriate interest rate (known in this case as a “coupon”), according to the terms of the bond.


The amount of time that elapses until the “date of maturity” marks the time when the bond has to be repaid. As expected, long-term bonds will have higher interest rates, although some are actually what is known as floating rate bonds. This means the interest rate will adjust itself depending on the market value.


Different Types of Bonds


Depending on who issues a bond and why, there are a number of different varieties of bonds that have to be considered. In many cases, just about anyone with enough capital can purchase bonds and invest in various initiatives:


  • Corporate bonds are some of the most common types of bonds available. They are typically issued by corporations that require large amounts for certain commercial, manufacturing or business-related projects. When you buy a corporate bond, your money goes to the company, and is then returned in regular payments along with the established interest.


  • Similarly, states and cities can issue municipal bonds. These bonds serve to finance large infrastructural projects such as building bridges, schools and airports.


  • Government-issued bonds are considered to be safest. When it comes to governments, projects need to be financed that affect the entire nation. In the case of the US government, bonds are typically issued to the treasury or to various government agencies.


  • There are even bonds that people can use to pay the amount requested for bail, when they are arrested. You can look for 24 hour bail bonds near me to find the closest one to you when needed.  So-called bail bondsmen or bail bonds agents can be contracted to provide a surety known as a bail bond. The amount they offer can pay large amounts when needed for bail. Of course, the premise is that the defendant should be allowed to pay bail – which is not the case in extreme cases.


Bonds can be remarkably useful both for the investor and for the company, person(s) or entity that benefits from them. You can use bonds to build a fortune, start a new company or raise money to pay for projects that would normally be very difficult to finance.

How to Choose a Divorce Attorney Who Can Mediate an Amicable Divorce

divorce decree doc

If you’re thinking of filing for divorce, the issue of how to choose a divorce attorney who knows what he’s doing will become a very important one very fast. Divorce attorneys can offer you reliable support when it comes to the deeper aspects of the problem, and they can help guide both parties toward an amicable agreement.

In case an amicable settlement simply isn’t possible, your divorce attorney will help prepare all the necessary documents and guide you on your path to the divorce settlement no matter what the obstacles might be.

Deciding on the Type of Divorce Process to Choose

There are four different processes that can be used when filing for divorce. You can opt for mediation, litigation, collaborative divorce or cooperative divorce. Depending on which method you choose, you can deal with different levels of agreement between you and your partner – such as deciding whether to try to smooth over a mildly amicable situation, or take it to the next level and start the litigation process when there’s no hope for a friendly settlement.

Figuring out how to choose a divorce attorney will depend heavily on whether you want a friendly divorce or not. For this purpose, it’s important to evaluate all the avenues that might be possible, and discuss the possibility of an amicable divorce with your partner, if possible.

These issues can be extremely sensitive, and you might want to put them off at first. However, in order for you to find the right divorce attorney and start the proceedings as soon as possible, they are necessary steps that cannot be avoided.

Where to Look for a Divorce Attorney

If you already decided on the type of divorce you want, and you’re looking for an attorney who specializes in it, it’s time to look for the right expert for the job. Start by checking local Denver divorce attorney websites and listings, and using search engine terms relating to the specialization you’re looking for. You can also look through the Yellow Pages, sift through online phone directories, as well as visiting your local state bar association website and searching for a referral.

Next, make a list of local divorce attorneys who might be suitable. You’re looking for criteria such as experience, education, state bar association certificates, reviews and other criteria that could help you decide on some of the best local attorneys for the job.

What Can You Afford?

Find out how much you may be able to spend on a divorce attorney, and make sure you’re being honest with yourself. No one wants to spend thousands of dollars just to achieve a divorce settlement, and in most cases, that’s not necessary. However, you do need to set a budget, and that will require you to evaluate your salary, your monthly payments and expenses, and how much you could reasonably spare for the services of your attorney.

In most cases, the attorneys you contact will also be able to guide you on your path to hiring the most suitable legal professional for your case. At that point, figuring out how to choose a divorce attorney will be easy, especially if you get an opinion, recommendation and estimate from at least 3-4 attorneys who are known to be trustworthy.

How to Hire Denver Trust Attorneys – Methods to Identify Lawyers and to Choose Your Attorney

Denver trust attorneys can help you with tasks related to setting up a living trust. Also called estate planning lawyers, trust attorneys are familiar with the intricacies of estate law, so they can help your heirs avoid the lengthy and costly probate process (one of the major advantages of trusts over wills) and they can make the entire process of transfer or property much smoother. If you own property and you are in need of legal help to set up a living trust, here are a few tips to consider while looking for a suitable legal professional.

Where to Start Looking

Most law firms and independent trust attorneys have their own websites, so carrying out an online search is a good way to start looking for a trust lawyer. Local, county-level or state bar associations are also good sources – they all have free lawyer referral services that will provide you with a list of the lawyers who specialize in your area of interest. Personal references are also very useful – you can talk to people you know to find out whether they know or have already worked with an attorney who matches your criteria. Financial advisors, accountants also work closely with trust attorneys, so you can ask your consultants whether they can recommend you a lawyer.

Interviewing Lawyers

When you think you have a few names of lawyers you can imagine working with, it is time to start contacting the lawyers to see if they provide the right type of services, indeed. Most lawyers have fees for these initial meetings – reduced fees, but nevertheless, you should be prepared to pay for your first meeting, too.

While talking to possible candidates, make sure you are provided a detailed account of the lawyer’s fee structure as well as of the services offered. Ask questions about the following aspects:

  • Experience – you need a lawyer with as much experience with trusts and estate planning as possible,
  • Insurances – most Denver trust attorneys carry insurances such malpractice insurances, so look for a lawyer who is properly insured,
  • The service provided – you need a lawyer who will not only put together the estate plan for you, but will also assist you with the funding process, that is, the process of transferring the assets to the trust created by transferring the titles of your assets from your name to the trust,
  • Preparing and reviewing the estate planning documentation – your lawyer will put together the documentation for you, but you need to review it prior to signing to avoid mistakes or clauses that you don’t want. Ask the lawyer if they are willing to send the documentation to you for reviewing, it is more important than you may think,
  • Updates – estate planning is a long-term process, even if the documentation needs to be drawn up only once. Semi-annual or yearly updates are important because laws may change and you need your document to be compliant with currently applicable laws at all times.

Getting Everything in Writing

When you find the right lawyer, there is one last step you need to take care of: include all the terms and conditions of your collaboration into a contract – once the contract is signed, the process of setting up the trust can begin.

How to Find the Most Dependable Personal Injury Lawyers in Denver

If you’re thinking of hiring one of the best personal injury lawyers in Denver, it’s not enough to just search for the law professional who asks for the most money and hire them without any forethought.


The process of determining whether or not you’re dealing with a reliable and professional attorney – and whether or not they can help you with your specific case – is subject to the careful gathering of relevant information and understanding exactly what you should be looking for.


Do Your Research and Know What to Look for


Before even starting to look for personal injury lawyers in Denver, it is essential to know exactly why you need help from a local law office. Have you sustained an injury at work? Has someone you know and care about been involved in a car accident? The details and facts of the accident and injuries are extremely important in the determination of who your ideal lawyer would be.

Check this out:

While some Denver personal injury attorneys specialize in work related back injuries, others deal more with car crashes, while some may be more skilled with mediating cases of wrongful death, where a person died as a result of a work related accident.


So, while the first step is to determine exactly what you need the services of a good attorney, the second will be to determine how Denver lawyers can help you out. Most offer services of consultancy and mediation, while some will also talk to the court and other legal bodies on your behalf. In some cases the case may go to court if the insurance company isn’t willing to pay out your compensation in full. An aggressive and skilled attorney experienced in dealing with precisely those types of trials will be your best choice if that is the case.


The First Appointment


After sifting through search results and online directories depicting the best personal injury lawyers in Denver, you have to start calling the ones that seem to offer services that could help you.


The general procedure is to call, present a short overview of your case and what you’d want the attorney to help you with, and inquire about an appointment. Some attorneys will meet with you immediately to discuss your problems and try to come up with a viable strategy for gathering information and evidence. These are the professionals you will want at your side.


During the appointment it is essential that you ask a few significant questions:


  • What documents and papers are you expected to provide?
  • How long are the proceedings expected to take?
  • What are the attorney’s recommendations about the strategy that should be pursued?
  • What are the fees that the law office requires you to pay?
  • Did your lawyer handle any cases like your own?
  • Are the chances of success good in similar cases?
  • Can your lawyer get in touch with you frequently to keep you up to date with every progress?


These inquiries will not only help shed more light about the services that the law office has to offer, but will also show you what kind of person your lawyer truly is.


Now, regardless of how many appointments you go through, deciding on a single attorney is not going to be easy. However, with careful consideration and by weighing in each lawyer’s answers you can formulate a more informed decision regarding the law professional you should consider hiring.