Rubber Duckie Derby
Monongahela Rotary
Rubber Duckie Derby
July 14, 2019
Monongahela Aquatorium
1:00 pm
Sponsorship Opportunities
Signature - $1,500
Logo on Front of T-shirt,
Logo on Front of Ticket,
Logo on Facebook Postings
Logo on Signage at the Derby
Four T-Shirts
Big Quack - $1,000
Logo on Back of T-shirt,
Listing on Back of Ticket,
Listing on Facebook Postings
Listing on Signage at the Derby
Four T-Shirts
Quack Attack - $500
Listing on Back of T-shirt,
Listing on Back of Ticket,
One T-Shirt
Fowl Play - $100
Listing on Back of T-shirt,
One T-Shirt
Executives & Directors
Rotary Club of Monongahela
We meet Thursdays at 12:00 PM
Hills Restaurant
107 Main St.
New Eagle, PA  15063
United States of America
Four Way Test
Of the things we
think, say and do
Is it the truth?
Is it fair to all concerned?
Will it build goodwill and better friendships?
Will it be beneficial to all concerned?
Russell Hampton
ClubRunner Mobile
Meeting of May 2, 2019
Speaker - Ray Mosco
Mike Thornton introduced our speaker, Ray Mosco.
Ray is the business development officer for cfs Bank.  He is from the Mon Valley, having lived first in Monessen and then Charleroi.  He has a degree in business from California University of Pennsylvania.  He worked for City Financial for 17 years, and then for a while for National City.  He has been with cfs Bank now for 15 years.  His wife was in the business department at Charleroi High School for 36 years.
Ray said that cfs Bank was founded in 1936, with one office in Charleroi, which then had one teller station worked by one teller.  Since then, it has grown to include 10 branch offices.  The Seven Fields office is the one furthest north (in Seven Fields Borough, Butler County) and the Connellsville office (in Fayette County) is the one furthest south.  The office at Southpointe (Washington County) is the one furthest to the northwest.  The company has about 70 employees, many of whom have worked for the bank for many years. Ray’s sister-in-law, for instance, has been with the bank for almost 40 years.  Five years ago, the bank changed its name from Charleroi Federal Savings and Loan to cfs Bank. 
He explained that as a mutual savings bank, cfs Bank has a board of directors but no shareholders.  This kind of bank grows more slowly, but the advantage is that it is not subject to the control  of powerful shareholders that might want to change the bank’s direction more quickly.  It has historically been a mortgage-based bank, meaning that they made a lot of loans to homeowners and businesses as their primary business activity.  The bank's commercial products include:  commercial mortgages, term loans, lines of credit especially for businesses, and business credit cards. 
Club members had a discussion with Ray about products that the Club might want to utilize, such as the bank's online bill-pay.  There was a discussion of the advantages and disadvantages for businesses or non-profit organizations using bill-pay, vs. writing checks or sharing bank card numbers with the individual companies they may be paying online.  The Bank recommends using bill-pay primarily, at least for recurrent bills.  They also offer both business credit cards and debit cards for business (or non-profit business) accounts.  There was a discussion about the advantages of a business credit card, vs. using a debit card on the organization’s account.  A business credit card allows the individual to pay a bill that needs to be paid on behalf of the organization without exposing the club’s main bank account.  The credit card is assigned to an individual, which also makes that person somewhat personally accountable for how the expenditure is handled. 
Ray said he’d be glad to work with the Monongahela Rotary Club on whatever the Club may need. 
Club Business May 2
The President rang the bell to open the meeting at 12:07.  The club members pledged the flag and sang the normal invocation.
There was discussion about this year's speaker for the Boy’s Luncheon, Martin Shepherd of EQT.  Everyone seemed to be pleased, and there were many other positive comments by members who had attended the luncheon.  Some potential improvements for next year include a paper program and providing Rotary Four-Way Test Coins to all of the students and teachers in attendance.  
It was announced that we have received several applications for this year’s scholarships.  Anyone interested in participating in the selection process was encouraged to view the applications in the Club's email account,  
Debbie Mangino gave some thoughts about the upcoming Ducky Derby at the Aquatorium.  It will be at 1:00 pm on July 14th, as that is the second Sunday in July.  Most things about the event will not change from the way they were done last year, but we will add the name “Monongahela” to the T-shirts.  
We talked about the sponsors for the event this year.  The lead financial sponsors last year were Monongahela Valley Hospital and the Washington County Community Foundation.  The Observer-Reporter provided an in-kind sponsorship by providing an article and a front-page banner ad and will be approached again this year.  We have discussed having EQT as a sponsor this year in recognition of EQT's annual gift to our Club.  Debbie will check with Stephanie Paluda at EQT about this.
Betsie will be at the District Conference this weekend, and she will make a brief presentation, as has been requested, on our lock-down buckets project.  It was announced that Jamie Roberts has agreed to coordinate our road-side clean up activities.  More information to follow.
It was decided that President's Night will be held at the Back Porch.  Gabe Paulick will make the arrangements.
Next week, the program will be by the Monongahela 250th Committee of the Monongahela Area Historical Society.  They will come and give us an update on the event activities, and we will present them with the $1,000 check to provide comfort stations at the anniversary celebration.  May 16 will be a Club Assembly. 
Deb Mangino won the ticket but not the card.  At meeting's end the Club recited the Rotary Motto and the Four-Way Test.  The closing bell was rung at 1:08.