Hope for the best, prepare for the worst: Credit insurance & debt protection

first_imgThe adage goes, “Hope for the best, but prepare for the worst.” While you can never predict what challenges your members might face, you can protect them—even in the event of a serious illness. The first step to protecting your members is making sure they’re educated:One in four 20-year-olds will experience a long-term disability before they retire.1The average length of a long-term disability claim is 34.6 months.2Short-term disabilities (lasting six months or less) affect 5.6% of working Americans each year.3More than a third (69%) of Americans have less than $1,000 in their savings account to cover an unexpected event.4Although Social Security Disability Insurance (SSDI) can help alleviate some of the financial burden, it may not be enough. As of May 2018, the average SSDI benefit was $1,063 a month.5As a credit union, you want to help members achieve their financial goals. You’re also looking for the assurance that the loans you approve will be paid back. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Suarez stars in Liverpool romp

first_img Again Gerrard’s delivery was perfect, the corner sent over with just the right amount of pace to allow Skrtel to power home a header – his first goal since December 22, which also came against Fulham. The best goal of the first half was still to come, however, and the irrepressible Suarez definitely got this one. However, it was the culmination of a 36th-minute move which saw Gerrard out-Berbatov Berbatov, the king of the fancy flick, with a brilliant reverse nutmeg close to the halfway line before the England captain sprayed a pass out to Jordan Henderson on the right. The newly-recalled England international slid an inch-perfect ball down the channel for Suarez to fire home first time. After the break there was no let up and had it not been for goalkeeper Maarten Stekelenburg, the only Fulham player to emerge with any credit, who knows what the final score would have been. The Dutchman, who had already produced a great save to tip over a rising Philippe Coutinho drive in the first half with the score at 2-0, blocked shots from Suarez and Sturridge in the same attack before Suarez volleyed the rebound from the second strike over an empty goal. But, as is so often the case, the Uruguayan is not to be denied and when Gerrard robbed Kieran Richardson and threaded a pass forward, Suarez dropped a shoulder to move Philippe Senderos slightly off balance before drilling home inside the near post. It is safe to assume Austin Powers actor and Liverpool fan Mike Myers, watching from the directors’ box, left impressed having seen Suarez take his tally to eight in just six league matches this season following his return from suspension – remarkably making him joint top scorer. Jol has resolutely insisted in recent weeks there are a number of teams worse than his in the Barclays Premier League but a look at the table, with the Cottagers hovering dangerously above the relegation zone in 16th, suggests otherwise. Of more concern should be the way his side appear to lack the conviction or ability to affect their own destiny, having shipped 13 goals in their last four matches – with four of those coming against Sky Bet Championship side Leicester in last month’s Capital One Cup exit. They arrived with containment in mind, fielding Dimitar Berbatov as a lone striker, and for 20 minutes they managed just that, albeit not too convincingly. They even managed a half-chance, with Pajtim Kasami’s shot deflected into the side-netting after Berbatov’s 50-yard cross-field ball had released Elsad Zverotic to cross from the right. It took a set-piece to break Fulham’s fragile resistance but once the defence had been breached it was open season on the Cottagers’ goal. Steven Gerrard whipped in a near-post free-kick which Suarez and Daniel Agger, starting his first match since September 24 as Liverpool reverted to an orthodox back four, both challenged for with the former appearing to get the touch which diverted the ball on to Amorebieta and inside the post Suarez wheeled away in celebration and Anfield’s public address immediately awarded the goal to him but the defender’s touch was more than decisive. Having conceded three times in 12 minutes against Manchester United a week ago, the last thing Fulham needed was to let in another quickly. So to be undone at another set-piece would have infuriated Jol. The Uruguay international scored twice but will feel he should have had back-to-back Anfield hat-tricks as it was his header which went in off Fernando Amorebieta for the Reds’ first of a comfortable 4-0 win. It mattered little in the grand scheme of things as, with Martin Skrtel scoring his first in 11 months, the Cottagers were in no shape to mount any sort of challenge. Striker Luis Suarez produced another brilliant display of finishing to help Liverpool beat Fulham 4-0 and move back into second place. Press Associationlast_img read more

Lakers’ JR Smith took fatherly advice on his way back to the NBA

first_imgSmith has undoubtedly been rusty in the restart. He said it’s also been difficult being away from his family again: He estimates he spends up to six hours a day on FaceTime with his daughters – even the youngest at 2 years old brings the phone to her mother, eager to call Dad.Earl Jr., like any sports father, thinks his son could benefit from a few more touches. But more importantly, he sees his J.R. fulfilled back on the job.“This is the happiest I’ve seen J.R. in years – the happiest I’ve seen him since he won the championship,” Earl Jr. said. “It was depressing for a while. Every man cries for a reason, and he had a reason. But when J.R. is in something and committed to it, he’s in it 110 percent.” Trail Blazers, Grizzlies advance to NBA play-in game; Suns, Spurs see playoff dreams dashed Lakers practice early hoping to answer all questions Trail Blazers beat Grizzlies in play-in, earn first-round series with the Lakers How athletes protesting the national anthem has evolved over 17 years Newsroom GuidelinesNews TipsContact UsReport an Errorcenter_img AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREUCLA alum Kenny Clark signs four-year contract extension with Packers“It was a lot, but it’s funny,” he said. “Because once you’re on a bike, and you’re cruising, you don’t really think about it too much until you gotta turn around and go back.”So yes, J.R. Smith’s return to the NBA for the first time since November 2018 is like riding a bike.Everyone is getting used to the strangeness of playing out the season in the Disney bubble, but returning to the structure – the practices, the film sessions, the team dinners – has felt easy for Smith, a 15-year veteran who has spent almost half his life in the NBA.Even though he is the most recent Laker newcomer after signing in June, he has some of the most robust and complex handshakes with teammates that he executes at introductions before every game. He hasn’t played much during the restart, only 54 minutes in five games, but that hasn’t mattered as much as simply being in the league again.When did it feel like Smith had blended into the Lakers’ locker room? Lakers, Clippers schedules set for first round of NBA playoffs “The first day he got here: Everybody’s known him,” said Danny Green, who came up in the same Northeast hoop circles as Smith. “We’ve all played against him for years. He’s played with most of these guys here. They’ve all known him, shown love, grew up in the same area with the guy, so first day he was himself, and he was happy and excited. And it was like, he’s here, so he’s just a part of the group.”Shaking a stigmaBy his own admission, Smith’s comeback from the pits of a “depressed state” is a fairly remarkable one.In his last year with the Cavaliers in the 2018-19 season, the franchise began to pivot to a rebuild after LeBron James moved on and was set to reduce his minutes. Smith pushed back. He publicly accused the franchise of tanking, after which Smith and the Cavs agreed to split, with Smith on his own away from the team while a trade could be worked out. The trade never materialized, and he was waived in July 2019, at which point he began to realize getting back in the NBA might be harder than he thought.Smith declined to discuss the specific challenges of getting back into the league with the Southern California News Group, but he told the Inside the Green Room podcast that he believed persistent off-court rumors about his character were to blame – which he and his family have said were unfair.Smith has a reputation as an NBA wild card: His tenure with the Cavaliers included a famous anecdote of him throwing a bowl of soup at assistant coach Damon Jones, and he also was meme’d for a Game 1 mistake in 2018 when he allowed the game with the Warriors to go to overtime rather than taking a final shot. More seriously, in May, he was filmed in a fight with a man whom he accused of vandalizing his truck during a George Floyd protest in Los Angeles.While Smith acknowledges these past incidents, he also wishes equal weight were given to his track record as an NBA veteran and key player on several title-contending teams.“It is what it is, honestly,” he said. “People are going to have that perception of me. I’m convinced of it. There’s nothing I can really do to change that except just come every day and dedicate myself, and just be consistent.”But it’s hard to be consistent when the professional life you’ve known falls out from under you. Without basketball, Smith came unmoored living with his family in Warren, N.J. He stopped playing basketball, stopped watching basketball, stopped even playing basketball-themed video games. He gained weight. He became less interested in hearing from his agent, Rich Paul, if anyone wanted him because the news was increasingly grim. He got to spend a lot of time with his four daughters, but that was a silver lining as his career slowly kept drifting away.Renewed dedicationOne of the loudest voices in his corner was Earl Jr., who told his namesake son that his career wasn’t over. Smith is close with his dad and listens – “my dad is probably right 90 percent of the time, but don’t tell him that,” he said – and Earl’s message was some serious tough love.“If you ain’t gonna play, now you gotta find something to do,” Earl said he told his son. “I thought, ‘Get your ass in shape, go to L.A. Do your thing. Go make some goddamn money for those little girls.”Smith made the difficult decision to relocate to Los Angeles, where he would have better access to training. Especially during the NBA hiatus, the combination of biking and a vegan diet made him lose 20 pounds – in a show of support, Earl Jr. went vegan for a few months, too.Without this renewed dedication, Smith said, he wouldn’t have been physically ready to play when the Lakers came calling in June to swap him in for Avery Bradley.“The weight I was at, how my body would have had to respond to recovering to playing, I don’t think it would have happened,” he said. “My body wouldn’t have been able to handle it. … At the end of the day, just thank God you have the opportunity to play this game again. Be thankful, be humble, and take it in stride.”Related Articles LAKE BUENA VISTA, Fla. — For a year-and-a-half, the fiercest competition J.R. Smith had was with his brothers – not on the court, but on wheels.It was at the start of the pandemic when the 34-year-old bought a bike, looking for a way to safely get out of the house and lose weight. He’d ride up and down Venice Boulevard. He’d ride through the Pacific Palisades. He’d ride to Manhattan Beach.Always hungry for a contest, the Smith family tracked their biking miles on an app that they checked every day. Earl Smith Jr., J.R.’s father, saw his sons Demetrius and Chris peddling along at about 12 miles a day; J.R. would hit 20 miles: “After a while,” Earl said, “it wasn’t even close.”With practice, J.R. said, he found his mind would simply settle as he rode.last_img read more