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VOTE WITH YOUR WALLET!

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http://www.moveyourmoneyproject.org/why-you-should-move-your-money

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Why You Should Move Your Money

WHY SHOULD YOU MOVE YOUR MONEY?

Moving your money out of the big Wall Street banks to small community banks and credit unions is a great idea for a number of reasons: you will get better rates and fewer fees, your comunity banker will learn your name and provide you with more personal service, and you will be keeping money in your local community which increases economic development and eventually, creates more jobs. Yet the most important reason to move your money is to make your voice heard, to stand strong and no longer help a banking system that has run amok 

INVEST IN MAIN STREET, NOT WALL STREET

When you keep your money in a local financial institution, that money in turn is reinvested in local businesses, which is important for building a stable economy and encouraging local growth. Put your money in the big Wall Street banks however, and they will use your deposits to make risky investments, gambling at the expense of the economy as a whole.

END TOO BIG TO FAIL

The big banks on Wall Street gambled with our money, then demanded a bailout of $700 billion. The size of these Wall Street “Banksters” threatens our economic system, yet their size has only increased since we bailed them out. According to FDIC data, the largest 5 banks held 13% of US deposits in 1994, today they hold 38%. If the government wont step in and break them up, then we must move our money ourselves and end ”Too Big To Fail” once and for all.

FEWER FEES, MORE SAVINGS

Worried about ATM fees? You shouldn’t be. More and more community banks and credit unions offer ATM surcharge-free networks, providing you with even more access to ATMs nationwide. Community banks and credit unions also charge on average less in fees, and often pay you higher interest on your accounts than big banks. The numbers are clear: the bigger the bank, the higher the fees.

GET MORE PERSONAL SERVICE

According to JD Power and Associates, small banks have consistently rated higher in overall customer satisfaction than their Wall Street counterparts and the gap has only widened in the last few years. Customers of community banks and credit unions talk to actual people when they call, instead of robotic phone-trees. Tellers often know them by name and treat their customers like family.

LEND A HAND TO LOCAL BUSINESSES

Smaller banks do disproportionately more small business lending than the big banks. Small businesses, in turn, are the main engine of job growth, accounting for 65% of new jobs. Banking locally is a great way to support independent businesses and create more jobs in your home town.

READ MORE:http://www.moveyourmoneyproject.org/

How San Francisco is Dealing With Chains

No other large American city has done as much to check the spread of chain stores as San Francisco. Under a city law enacted in 2006, a “formula” retail store or restaurant cannot open in any of the city’s neighborhood commercial districts unless it undergoes a public hearing and obtains special approval from the Planning Commission.

The restrictions have helped San Francisco maintain a relatively vibrant independent retail sector. The city has twice as many independent bookstores per capita as New York. It is home to some 80 local hardware stores. It also boasts more than 900 independent retailers selling fresh food, including more than 50 locally owned grocery stores of at least 5,000 square feet.

READ MORE: http://www.ilsr.org/san-francisco-dealing-chains/

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