NEWNEWNEWNEWSLETTERHEADERRRR
In This Issue
Convention brochure released
GR Update
New Regional Meetings
Spending up, sentiment down
5 tips for a great summer
Quick Links
It's that time of year again!

Convention 2012
Turning Stone Resort 
September
9, 10, & 11, 2012
 
 
IBANYS: On the Grow!

Lead the pack!   

Send your best newsletter ideas today!
 

FRANKLIN
The
Franklin Club 

 Contribute $100 or more to the our state PAC, you will become a member of the Franklin Club.  

 

Everyone receives a Franklin Club lapel pin and recognition at IBANYS events. We're also adding a part of www.ibanys.net dedicated to Franklin Club members. 

 

Click the link below.     


Advertise in CommuNitY

IBANYS is launching a new magazine, CommuNitY, and we could not be more excited! Set to debut with a July/August issue, this magazine will reach ALL community banks in New York State, all IBANYS Members, New York State elected officials, other state banking associations, and more!

 

For more information and ad rates/specs, click here!  


Inside IBANYS 

July 4, 2012

Happy 4th of July!

The staff at IBANYS would like to extend wishes of a safe and happy holiday as we celebrate the independence of our nation!

 

"Our greatest happiness does not depend on the condition of life in which chance has placed us, but is always the result of a good conscience, good health, occupation, and freedom in all just pursuits. "
                    -Thomas Jefferson   

Convention brochure released, registration now open!

 

IBANYS is On the Grow, and we want you to join us in celebrating our successes at our Annual Convention! This year's theme is all about growth throughout New York State, with the deep roots of our banks planted firmly in their communities. We have some amazing things planned, and educational sessions you can only find with IBANYS.  

 

Check out the link below to find a schedule, list of spouse tours, sponsor and exhibitor information, and the ever-important registration form. See you in September!

 

Convention Brochure  

Government Relations Update: ATM legislation to be considered

 

The House Financial Services Committee reported out legislation to eliminate one of the redundant notices required on bank ATM machines. The bill, H.R. 4367, repeals a requirement of current law which requires a sticker or sign about transaction fees to be attached to the ATM in addition to an on-screen notice.  The requirement has spawned numerous lawsuits, including some reportedly by vandals who remove the sticker or sign so they can then sue the ATM operator for being in violation of the law.  The bill is expected to pass the House but its fate in the Senate is uncertain.  

save the date 
Buffalo and Finger Lakes
Regional Meetings 

 

Our Buffalo and Finger Lakes Regional Meetings are kicking off next week! In both locations, we'll have a great breakfast meeting with fabulous speakers and time to network with your banking peers. Following our Buffalo meeting, we will have optional golf tee times. Remember, these meetings are FREE for all Members, so come have a great breakfast with us and get the latest news and educational materials from IBANYS!    

  

Buffalo Regional Meeting - Thursday, July 12, 2012 

  

Lancaster Country Club,

6061 Broadway Street

Lancaster, NY 14086

(716) 684-3700

  

9:00am: Networking/Breakfast
9:30am - 12:00pm: Program
- NYBDC     

  

   

Finger Lakes Regional Meeting  - Thursday, July 26, 2012

  

Ramada Geneva Lakefront Hotel 

41 Lakefront Drive

Geneva, NY 14456

(315) 789-0400-Hotel

  

9:00am: Networking/Breakfast
9:30am - 12:00pm: Program - Update on Corporate, Regulatory and Employment Law Issues: Cliff Weber, Miriam  Schindel; Hinman, Howard, & Kattell, LLP  

 

Register for a Regional Meeting:

Buffalo - 7/12

Finger Lakes - 7/26 

Spending up, sentiment down 

Personal Income, Spending Up Slightly

Personal income rose 0.2 percent in May and personal spending was up less than 0.1 percent, the Commerce Department reported. Disposable personal income also was up 0.2 percent. The increases follow 0.2 percent upticks in personal income and disposable personal income in April and a 0.1 percent rise in consumer spending. Inflation-adjusted disposable income increased 0.3 percent in May, compared with an increase of 0.1 percent in April. Real consumer spending increased 0.1 percent in May, the same increase as in April.


Consumer Sentiment Down Sharply in June

Consumer confidence posted a sizable loss in June, with most of the overall decline due to how consumers view future prospects for the national economy, according to the Thomson Reuters/University of Michigan index of consumer sentiment. The index dropped 7.7 percent in June to 73.2, but remained up 2.3 percent from a year ago. The survey cited sharp declines among upper-income households and a growing recognition that federal policies to bridge the fiscal cliff will not be discussed until the last minute. 

5 Tips for a great summer

  

Because most of you are off on this holiday, we thought we would give you some tips to keep your summer as fun and happy as possible. Enjoy!

 

1. Sandy Feet?
To get pesky sand off your skin and feet: sprinkle with baby powder and brush dry with your hands, or a shaving brush or makeup brush.

   

2. Keep Mosquitos Away
According to the New York Times, research shows that wind is an effective way to ward off mosquitoes and other airborne pests. Sure, the wind prevents them from circling and landing on you. But a fan also dilutes and disperses the carbon dioxide you exhale, and carbon dioxide is one of the major chemicals that attract mosquitoes. Furthermore, a fan helps keep you cool, which helps keep mosquitos away because those critters love your sweat, lactic acid and body heat.   

 

3. Wet Phone
IIf your phone or device falls in a puddle by the pool or sea, first remove the battery, then stick the phone in a container with uncooked rice, which will help absorb moisture. If the phone gets covered in sand, use a bulb syringe (like the kind used for kids' medicines) or something similar to blow out any sand particles in the crevices; Do not use compressed air, which can damage your device internally.    

 

4. No More Soggy Moldy Berries
As soon as you get back from the farmer's market or store, prepare a mixture of one part vinegar and ten parts water. Dump the berries into the mixture and swirl around. Drain, rinse (just a bit because you won't be able to taste the vinigar anyway) and pop in the fridge. Apparently, the vinegar kills mold spores and other bacteria that might be on the surface of the fruit. This little vinegar rinse supposedly helps keep your berries from going soggy and moldy.

 

5. See Underwater
We used to just use a bit of spit, but some people swear that smearing a little toothpaste inside your google lenses will keep them from fogging up!   

 

Source: http://www.apartmenttherapy.com/summer-tips-171889  
Frank J. Capaldo              
President / CEO
  
Victoria Miller
Director of Administration & Membership

Erin Clark
Director of Communications, Development & Marketing

Steve Rice
Director of Government Relations, Policy & Services Development 

William Y. Crowell, III
Legislative Counsel