The P.A.

A weekly address from Patrick Adams,
President of St. Louis Community Credit Union

The United States of Amazon

On August 29th, 2016, posted in: Uncategorized by

package on front porchMy son played the role of canary in the coal mine many, many years back. Long before USA stood for the United States of Amazon, the kid was onto something. (more…)

Around the Kitchen Table

On August 22nd, 2016, posted in: Uncategorized by

Family Dinner Table

We settled in around the kitchen table. Too many of us squeezed around the oval, but that’s what we always do. We end up shoulder to shoulder. Some of us lean in to clear space, the others lean back. We tend to alternate back and forth, taking turns at a fork full here and a fork full there. Plates, platters, bowls, glasses, silverware, condiments, napkins and food — lots and lots of food  — cover the table top. We’re happy, busy and hungry. This is our Sunday family dinner that just passed, the way I remembered it from my youth. It doesn’t happen as much anymore. Time, distance, age and living life get in the way. (more…)

Midnight Train to Georgia

On August 15th, 2016, posted in: Uncategorized by

gladys knight and the pipsLooking out the window across the tarmac, I could see a freight train making its way south, if my bearings were right. Car after car, it went on for many minutes. I could only see it snaking its way on the airport’s perimeter, but in my mind I heard it as well — rattling its way along the rails leading to who knows where. There was no red caboose as the cars came to an end. This was a working man’s train. The last car looked like the first after the engine. Piggyback trailers full of goods — white, orange, green and red. (more…)

To Swipe or Not to Swipe

On August 8th, 2016, posted in: Uncategorized by

hand with chip card“Don’t swipe, insert.”

“Oops, sorry.”

That’s the interaction that takes place between consumers and cashiers at the 25% of all retailers who have borne the expense to get those fancy little card readers. The other three out of four merchants (without the state-of-the-art machinery) tell you to swipe your chip card the old-fashioned way. All you want to do is hurry up, right? (more…)

Collaboration Solves Problems

On August 1st, 2016, posted in: Uncategorized by

father and son with sold signA recent article dated July 19 addressing the racial gaps in mortgage lending in the St. Louis region noted:  “Isolation from financial services impacts the ability of majority African-American neighborhoods to build wealth, concentrating poverty. This perpetuates a cycle of disinvestment, reinforcing the likelihood that lenders will not invest there.” It doesn’t have to be this way.  (more…)