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

Elementary School closes doors in wake of Evacuation Order

first_imgFORT ST. JOHN, B.C. – Buick Creek Elementary school has shut down classes while the school is under a evacuation order.In an announcement on the school district’s website, the school says they will be closed tomorrow.“Buick Creek Elementary School will be closed, Tuesday, May 17, 2016 due to a wildfire related Evacuation Order from the Peace River Regional District.”- Advertisement -Dave Sloan, A superintendent with School District 60,  says the school wants to ensure firefighters have complete access to their jobs.“The decision to close Buick Elementary has been taken in response to the evacuation order as posted by the PRRD. The school will remain closed while the evacuation order is in place in order to facilitate staff and student safety and to ensure emergency responders and fire fighters have no one in their way”.The school was closed Monday due to a Non-Instructional Day.Advertisementlast_img read more

Le Saux: Chelsea suffering ‘worst ever form of a team under Mourinho’

first_imgChelsea legend Graeme Le Saux believes the Blues are currently suffering the worst run of form Jose Mourinho has EVER suffered as a manager.The Premier League champions have endured a dreadful start to their title defence, with the side currently in 14th place after winning just twice in their opening seven games of the season.Chelsea were unbeaten until December last season as they peeled away from the rest of the chasing pack on their way to the top flight crown, but early defeats to Manchester City, Crystal Palace and Everton have exposed some uncharacteristic defensive frailties in Mourinho’s team.They dropped more points on Saturday in a 2-2 draw with Newcastle, though the result could have been much worse, with Chelsea fighting back to rescue a point after finding themselves two goals down against the struggling Magpies.And former England defender Le Saux has suggested the ‘Special One’ could find himself in the firing line from club chiefs if Chelsea’s poor form continues for much longer.Speaking on the Colin Murray show, the Blues great said: “You only have to look at Chelsea’s history to see how quickly they change managers when they’re not happy with something… so watch this space.“They’re only eight points behind [league leaders Man United], so they’re still in there, but they could be out of sight had Man City continued with the form they showed at the start of the season.“They’re in the worst form a Jose Mourinho team has even been in, whether that’s at Chelsea or any other club he’s managed.“There are absolutely genuine causes for concern. They’ve had the worst start to a season I can remember, it’s been terrible.”Mourinho’s usually stubborn side have leaked a total of 14 goals in the early stages of the campaign, a tally it took 18 Premier League matches to reach last term.And Le Saux believes the whole squad are to blame for not playing to the high standards they set themselves in last season’s triumph.“When you think about Mourinho’s ethic and philosophy, it’s all about being defensively watertight,” he added.“But Chelsea have been so exposed as a team and as individuals as well at times this season.“In the first-half against Newcastle on Saturday, Newcastle cut through them really easily and thoroughly deserved to be ahead.“It was only because of Newcastle’s nervousness, because they’ve had such a poor start to the season, and a fantastic strike from Ramires that Chelsea got back into the game. I don’t think they would have against a more confident team.“Individually they’re struggling, too. [Cesc] Fabregas is playing so below par, but it’s not just him, I think all of them are playing way below the standard they set themselves last season.”last_img read more


first_imgDONEGAL is getting battered by Storm Erich – but we’ve escaped the worst of it so far.Munster has been lashed with thunderstorms, with hurricane-force winds cutting power to 20,000 homes.Part of a roof at Cork University Hospital has been ripped off during overnight severe gales. Irish Weather Online reports: “Winds are likely to drop of a little over the northwest over the next few hours but will pick up again by morning. Elsewhere, remaining stormy throughout the night.”Gardaí here and the PSNI in the North have both urged motorists not to drive at all overnight.The storm is expected to subside by 3pm.  STORM UPDATE: CHAOS AS STORM ERICH BATTERS THE COUNTRY was last modified: December 27th, 2013 by John2Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)last_img read more