The Holiday Spirit

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21 hours ago
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The Credit Union is honored to welcome the Laurel Police Department (Montana) and Festus Police Department (Missouri) into our field of membership. We look forward to serving you and your families. ... See MoreSee Less

22 hours ago
Congratulations! Thank you and stay safe!

Congratulations! Thank you and stay safe!PRESS RELEASE: Chief Booth is pleased to announce the hiring of the Roanoke Police Department’s newest Deputy Chief, Michael “Mike” Crawley. Deputy Chief joins the Roanoke Police Department after a nearly 25-year tenure with the Salem Police Department, from which he retired at the rank of Chief.

“Deputy Chief Crawley grew up in Roanoke, and he knows this community well,” said Roanoke Chief Scott Booth. “His education, tenure of service, and commitment to public safety speaks for itself. I am confident that he will be a great asset to us and a leader at the Roanoke Police Department.”

“I am truly fortunate to join the ranks amongst the women and men of the Roanoke Police Department,” said Deputy Chief Crawley. “Being able to serve the citizens of the City of Roanoke in this capacity is an honor as it will allow me to give back to those who provided so much to me and my family over the years.”

Deputy Chief Crawley will begin working at RPD in late July of 2024. You can review his bio below:

“Mike Crawley began his law enforcement with the Town of Vinton Police Department in August 1996 graduating from Cardinal Criminal Academy in November the same year. During his time at Vinton Police Department he held the position of Patrol Officer, Detective, and Patrol Sergeant. Crawley left his position with Vinton Police Department and obtained employment with the Salem Police Department in December 1999 as a Patrol Officer.

“Crawley was promoted to the rank of Senior Police Officer and transferred to Salem’s Detective Division in 2004 where he was assigned to the Special Investigation Unit. In 2006, Crawley was transferred to General Investigator where he rose to the rank of Sergeant in that Division.

“He later served as the Services Division Sergeant handling the central supply and support component of the Department. He returned to the Patrol Division in 2014 before being promoted to the rank of Deputy Chief. He was named Salem’s Department Chief on February 1, 2016. After more than eight years as Chief of Police, Crawley retired from the City of Salem June 1, 2024. At the time of his retirement he was an active member of the International Chiefs of Police, Virginia Association of Chiefs of Police, National Association of Black Law Enforcement Officers, in addition to Blue Ridge Chiefs of Police.

“A Roanoke City native, Chief Crawley graduated from Patrick Henry High School in 1991 and later attended Virginia Western Community College. He earned his Bachelor’s degree from Bluefield College where he majored in Management and a graduate from the prestigious F.B.I. National Academy Class #271. He is also a member of Shiloh Baptist Church.”
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Welcome and thank you! Stay safe!The North Tonawanda Police Department would like to welcome our newest Police Officer Alexander Wagner badge 226. Alexander was sworn in today by Mayor Austin J Tylec and Chief Keith Glass at North Tonawanda City Hall.

Officer Wagner comes to us from the Town of Niagara Police Department. Officer Wagner will be assigned to the Training Division. Congratulations and welcome to our department.

Seen in the photo from left to right are Officer Wagner, Chief Glass, and Mayor Austin J. Tylec.
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2 days ago
Division President Jim Bedinger is honored to be attending the Montana Professional Police Association and Montana Association of Chiefs of Police joint annual conference from June 17-20.

Division President Jim Bedinger is honored to be attending the Montana Professional Police Association and Montana Association of Chiefs of Police joint annual conference from June 17-20. ... See MoreSee Less

4 days ago
Great work!! Thank you! Stay safe.

Great work!! Thank you! Stay safe.🐾 Incredible Teamwork by Harris County Deputies' Organization FOP Lodge 39 and K9 Dudley!🐾

Thanks to the hard work of our brothers and sisters of HCDO Lodge 39, and the incredible skills of K9 Dudley, a lost child was reunited with her family earlier today. Using items belonging to the child, such as pants and a hair band, K9 Dudley led deputies to the intersection of TC Jester and 1960. Deputies later learned that the child had boarded a bus at this intersection and traveled to another location, where she was found safely.

Some heroes wear badges… and on occasion have tails! Fantastic work, HCSO & K9 Dudley!

#TXFOP #HCDA #K9Heroes #CommunitySafety #FantasticWork #LawEnforcement
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4 days ago
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5 days ago
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#flagday2024Happy #FlagDay! Today, we celebrate the symbol of our nation's freedom. 🇺🇸

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#flagday2024Flag Day is celebrated every year on June 14 in remembrance of the adoption of the flag of the United States in 1777, as it is a national symbol of patriotism and freedom. In 1775, the “Grand Union” flag, also known as the Continental Colors, was flown in the colonies. This photo was taken in west Gastonia with Crowders in the distance. Gastonia Fire Department ... See MoreSee Less

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Happy Flag Day from the Chesapeake Sheriff’s Office! Flag Day commemorates the day the United States adopted Old Glory as our national flag on June 14, 1777.
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The Holiday Spirit

The holidays are here! Are you prepared?

Are you thinking about all of the shopping that you need to do or have you completed most of it already? Do you know how you will pay for all of the expenses that are a part of every holiday season? What is your financial strategy? Do you have one?

Do you belong to a Christmas Savings Club and set aside money throughout the year or do you head to your local credit union to apply for a loan to cover your holiday expenses? Your answer says a lot about how you manage your finances. While there isn’t necessarily a right or wrong answer, one approach is clearly going to set you up for a more satisfying holiday experience.

When you save money for the holidays, you are more prepared for the unexpected, you pay less for your purchases, and you are better able to make decisions on your terms within your time frames. With your money in hand, you will be ready if a sale pops up in August. You can typically pace your holiday shopping over any period of time that works for you and you will have more choices because of the flexibility that you created for yourself.

When you borrow money to finance the holidays, your choices are more limited, your purchases are more expensive, and you are more subject to someone else’s terms and conditions. The second you borrow money, you begin to pay for the use of those funds. The interest that you owe automatically increases the price of the purchases that you make meaning that your funds will not go as far. You probably won’t have as wide of a selection to choose from because you will be shopping at the latter end of the season and the time that you make available to shop will be subject to shipping restrictions, increased postage and handling costs, and/or crowded stores and the hours they choose to be open.

This is not a “have or have not” discussion. Some people may make themselves believe that their financial situation dictates that they have to borrow to enjoy a nice holiday season. Not true. Whether you pay for your holiday shopping with funds that you have saved or funds that you have borrowed boils down to your ability to plan effectively and to use a little will power when necessary.

My beloved mother-in-law is a great example of this point. She raised five children and she worked hard her entire life. She wasn’t needy in the sense that she made sure that there was food to eat and that her family was clothed, but she was not financially comfortable either. She had to forego many of the finer material things that many of us strive to accumulate as she strove to make ends meet.

Whatever she had or didn’t have, however, was secondary to her love of Christmas and her determination to make sure that she would provide a wonderful holiday experience for her family no matter what her financial circumstances happened to be.

At the start of each year, she would begin saving money from each and every paycheck. Her funds would slowly start to accumulate. She had an established limit for how much she could afford to save and then spend on each of her children and grandchildren. As the year would progress, she would be on the lookout for sales so that she could make her funds stretch as far as possible.

She always seemed to know what she wanted to buy with little or no help from anyone else and she always found a way to get the absolute maximum from the funds that she had. She found a way to let each family member know that she had been thinking about them throughout the year and she demonstrated it through the gifts that she provided.

She would come up with her own unique ideas and would remember the small, but really important details about what her kids and grandkids liked so that she could personalize her gifts for each recipient.

These presents were never extravagant, but when Christmas arrived the entire front room of her house was filled, seemingly to the ceiling, with something for everyone.

We all know, or we should anyway, that the holiday spirit cannot be measured by the quantity of gifts that you give or receive. It cannot be measured by anything that is tangible or able to be purchased.

In our family, the holiday spirit was on display through one woman’s determination to create a memorable experience for her family every year, her unbridled enthusiasm for Christmas, and her selfless devotion to each of us. Her love of Christmas and the holidays was infectious and it had a tremendous positive influence on us. The gifts were wonderful, but just a part of the joy that she would create and the fun that we would have.

The bottom line is that she did what she needed to do to fulfill her dream of what she wanted Christmas to be like for her family. It was a goal that was personal to her and she made it a point to dedicate herself to it year after year.

Whether or not your financial decisions are at all impacted by the holidays, there is something for all of us to learn from this example. The status of your financial situation should not be measured by the amount of money you have or don’t have, but rather the decisions that you make and the actions that you take to align your finances with your personal goals and financial objectives.

We also know that money cannot buy you happiness, but when you manage it effectively, you can at least remove financial worries from your list of concerns so that you can concentrate on other, more important things.

If you’re lucky, you have your own version of my mother-in-law in your family. If not, maybe you can be the one who leads by example. You may even find a little more holiday spirit along the way!

Scott Arney
Chief Executive Officer
Chicago Patrolmen’s Federal Credit Union

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