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

ACC releases women’s basketball schedule; Syracuse starts conference slate Jan. 3

first_img Published on September 18, 2018 at 4:21 pm Contact Billy: [email protected] | @Wheyen3 ACC play begins for Syracuse at Clemson on Thursday, Jan. 3. The home conference opener comes on Jan. 13 against North Carolina. The Orange play two conference opponents twice: Boston College and Pittsburgh.In its overall schedule, Syracuse will play 11 teams that made it to the NCAA tournament last year out of the 28 games on the schedule. The highlight game in nonconference play for the Orange will be at Oregon. The Ducks feature 2017-18 AP first-team All-American point guard Sabrina Ionescu.Syracuse will also take part in two holiday tournaments. Over Thanksgiving break, the Orange plays three games at the Cancun Challenge. And in the week leading up to Christmas, SU plays two games in St. Petersburg, Florida, at the St. Pete Classic.AdvertisementThis is placeholder textLast season, the Orange finished 22-9 overall, 10-6 in the ACC. SU returns the entirety of the starting lineup it used in every game: Tiana Mangakahia, Gabrielle Cooper, Miranda Drummond, Digna Strautmane and Amaya Finklea-Guity.The Orange also adds two five-star freshmen, Emily Engstler and Kadiatou Sissoko, according to the ESPN Hoopgurlz rankings. Maeva Djaldi-Tabdi, a five-star recruit from the 2017 class, will also be eligible to play after redshirting in her first year on campus.Here’s the full Syracuse schedule with conference matchups in bold.Tuesday, Nov. 6, 3 p.m. – vs. North DakotaSaturday, Nov. 10, 4 p.m. – at OregonSunday, Nov. 18, 2 p.m. – vs. BucknellThursday, Nov. 22, 1:30 p.m. – vs. Kansas State (in Cancun, Mexico)Friday, Nov. 23, 1:30 p.m. – vs. Princeton (in Cancun, Mexico)Saturday, Nov. 24, 1:30 p.m. – vs. DePaul (in Cancun, Mexico)Thursday, Nov. 29, 7 p.m. – at MinnesotaSunday, Dec. 2, 2 p.m. – vs. TowsonWednesday, Dec. 5, 7 p.m. – vs. Maryland Eastern ShoreMonday, Dec. 17, 11 a.m. – vs. NiagaraFriday, Dec. 21, 7:30 p.m. – vs. Duquesne (in St. Petersburg, Florida)Saturday, Dec. 22, 7:30 p.m. – vs. UCF (in St. Petersburg, Florida)Thursday, Jan. 3, 7 p.m. – at ClemsonSunday, Jan. 6, 2 p.m. – at Virginia TechSunday, Jan. 13, 3 p.m. – vs. North CarolinaThursday, Jan. 17, 7 p.m. – at PittsburghSunday, Jan. 20, 7 p.m. – at Georgia TechWednesday, Jan. 23, 7 p.m. – at MiamiSunday, Jan. 27, 1 p.m. – at DukeThursday, Jan. 31, 7 p.m. – vs. VirginiaThursday, Feb. 7, TBA – at LouisvilleSunday, Feb. 10, 2 p.m. – vs. Boston CollegeThursday, Feb. 14, 7 p.m. – vs. North Carolina StateSunday, Feb. 17, 2 p.m. – vs. Wake ForestThursday, Feb. 21, 7 p.m. – vs. PittsburghMonday, Feb. 25, 6 p.m. – vs. Notre DameThursday, Feb. 28, 7 p.m. – at Florida StateSunday, March 3, TBA – at Boston College Comments The Atlantic Coast Conference released its full women’s basketball schedule on Tuesday. Syracuse will play 16 ACC games beginning at the start of conference play on Jan. 3.The biggest name team to come to the Carrier Dome is defending national champion Notre Dame. The Orange host the Fighting Irish on Monday, Feb. 25. The game against UND is the culmination of a five-game homestand for SU. Facebook Twitter Google+last_img read more

Lakers GM Kupchak: ‘There’s time to right the ship’

first_imgHOUSTON >> Mitch Kupchak exuded a sense of calmness over the phone, even as the Lakers general manager addressed a wide-range of issues with this newspaper that plague the purple and gold.The never-ending injuries. The uncertainty leading into the Feb. 20 trade deadline. Whether the Lakers will miss the postseason for only the sixth time in franchise history. But Kupchak still uttered words about Lakers coach Mike D’Antoni foreign to what’s written on message boards and voiced on the airwaves.“Six weeks ago, I thought he would’ve been candidate for coach of the year,” Kupchak said, praising D’Antoni on how he managed a roster full of castoffs despite never-ending injuries. “I know I’ll get criticized and he’ll get criticized. But the coaches in this league can’t win without players.”Kupchak also stayed firm on signing Kobe Bryant to a two-year, $48.5 million extension shortly before Bryant fractured his left knee only six games after returning from a torn left Achilles tendon. Kupchak conceded he’ll stay active leading into the Feb. 20 trade deadline, though he declined to say whether everyone outside of Bryant remains up for grabs.“If there’s an opportunity to help us win right away, or an opportunity to help us plan for next year or the year after,” Kupchak said, “then we’ll look at those opportunities.”The Lakers negotiated last week with the Cleveland Cavaliers on a deal involving Pau Gasol, but Cleveland traded Andrew Bynum to Chicago for All-Star forward Luol Deng and several draft picks. The Lakers declined to make the deal because Cleveland refused to offer valued young players and draft picks.The Lakers had no interest in solely waiving Bynum, a move coupled with Gasol’s departure that would’ve trimmed $20 million in luxury taxes. The Lakers’ payroll remains at $78.9 million and the luxury tax threshold stays at $71.7 million.Kupchak downplayed the importance of staying below that number despite giving the Lakers a chance to avoid the so-called “repeater’s tax.” That penalty applies to teams that spend over the luxury tax in four of five seasons since the NBA’s new labor deal was constructed in 2011.“Strategically, it’s a factor,” Kupchak said. “But with Dr. Buss and present ownership, it has never been a driving force that interferes with what is best for the organization in terms of providing for our TV partners, radio partners and our fans.” “His most recent injury had nothing to do with the Achilles,” Kupchak said. “If he had blown out his Achilles, you might think why did he come back so quickly. The knee just hyperextended, and that’s very natural. It’s not a major injury. He’ll be back and better than ever.”Kupchak also scoffed at the Lakers tanking for the sake of maximizing their chances in the NBA Draft lottery.“That’s the worst thing an owner, general manager, coach or player can even consider. I can’t imagine going into a locker room or having a closed-door meeting with a coach to say I want you to lose,” Kupchak said. “It’s almost un-American.”The Lakers have long-term injuries to Bryant (fractured left knee), Steve Nash (nerve issues in back), Steve Blake (hyperextended right elbow) Jordan Farmar (strained left hamstring) and Xavier Henry (bone bruise in right knee). The Lakers will evaluate Henry sometime next week, but Bryant, Nash, Blake and Farmar aren’t expected back until February.“There’s time to right the ship and get back in the playoff run,” Kupchak said. “The only thing we can do is to play as hard, coach as hard and support the team as much as possible. If we can do that come April, we may not be happy with the record. But I know the team gave everything they possibly could give.”center_img Newsroom GuidelinesNews TipsContact UsReport an Errorlast_img read more