A credit union in Lubbock is a cooperative financial institution that is owned and controlled by its members and operated for the purpose of promoting thrift, providing credit at competitive rates, and providing other financial services to its members. Many credit unions exist to further community development or sustainable international development on a local level. They are typically smaller than banks, and are generally not-for-profit cooperative institutions. Credit unions in Lubbock have an unusual organizational structure, which attempts to solve the principal-agent problem by ensuring that the owners and the users of the institution are the same people. In any case, credit unions cannot accept donations and must be able to prosper in a competitive market economy.

Earth Day 2013

Earth Day evolved over a period of seven years starting in 1962. The Founder of Earth Day is Senator Gaylord Nelson. Prior to that the state of our environment was not an issue in the politics of our country. Senator Nelson approached President Kennedy with his beliefs regarding environmental issues. Despite the President going on a conservation tour, the idea..