We love to hear from our readers about what's on their minds whether it's a letter to the editor or an opinion piece. But I have turned down a few lately, which has led to this column.

I want to take this opportunity to clearly explain what they are and what they are not in an effort to assist you, the readership, in submitting strong candidates for publication in Credit Union Times.

A letter to the editor should cover a reaction to a story or an opinion or maybe even an ad published in Credit Union Times. Or it could just be brief commentary on something in current events affecting credit union operations.

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