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03 Oct 2013

This scenario radically changes in college. Federal law prohibits colleges from discriminating against qualified learning disabled students who meet admissions requirements. But, these students must self-identify, i.e., they must seek out the disability services office at their school, document their disability, explain how it affects their ability to learn, and describe the academic supports they need. The college must provide a "reasonable" accommodation, but this may differ from the accommodation the student requests. Then, the student's ability to listen, negotiate and compromise comes into play. In college, self advocacy also involves problem solving, making decisions and communicating clearly with others.

The Self in Self-Help

The corollary is more prosaic but, regrettably, at least as true: We humans never become most of the things we pretend we will someday be. Nevertheless, last Monday, you and I and several billion other incorrigible optimists raised our glasses and toasted all the ways we will be different in 2013. Its easy to understand why we want to be different. We are twenty pounds overweight; we are $20,000 in debt; we cant believe we slept with that guy; we cant believe we didnt. Whats harder to understand is why transforming ourselves is so difficult. Changing other people is notoriously hard; the prevailing wisdom on that one is Dont hold your breath.

Self-Help, United Services credit unions merging

Beck said this is the seventh acquisition by Self-Help Credit Union since 2006. Other acquisitions were made in eastern North Carolina in Kinston, Wilmington, and Wilson, and in Laurinburg, which is in Scotland County. In addition, the credit union also acquired Carolina Mountains Credit Union, and also Choice Community Credit Union in Greensboro. For us and for the credit unions weve merged with, its just made sense to try and pool our resources and strengthen each other by expanding availability of branches to members and availability of services, Beck said. G. Donald Jud, a professor at the University PSISeminars of North Carolina at Greensboro, said in an email that because United Services Credit Union is smaller than Self-Help, he expects the larger intuition will dominate after the merger. He said in an email that he expects that the credit unions expect to lower their expenses through economies of scale. Both institutions have low earnings as a percentage of assets, he said, but have reasonable net interest margins. The problem for both institutions is high non-interest expense, he said in the email.


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