196SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Cynthia Campbell Cynthia is a Credit Union Development Educator (CUDE), she holds a BS in Business Administration and an MBA from Elmhurst College in Illinois, and a master’s degree in Adult … Web: www.balancepro.org Details BorrowingHave manageable debt Have a prime credit score PlanningHave appropriate insurance Plan ahead for expenses. SavingHave sufficient liquid savingsHave sufficient long-term savings The correlation between financial health and physical health is strong, we have known this for quite a while. We see the negative impact that toxic stress can have on health and what is more stressful than money problems? We worry about how we will make ends meet this month. We worry about our 401K plans. We worry about the cost of health insurance. Money keeps us up at night. We also know there are senior citizens choosing between food and medicine or waiting longer between doses because they cannot afford a refill. Others may postpone needed procedures due to limited finances. With 75% of Americans living paycheck-to-paycheck and less than 35% of Americans able to weather a $400 financial emergency – financial stress is a way of life for many members and it is impacting their health.Every time we see a crisis like government shut-downs, hurricanes, tornadoes, fires, or in this case, a virus outbreak, the financial fragility of Americans is brought “out of the closet” and into discussion. We, as a movement, break-out all of our tools (skip-a-pay, loan extensions, loan modifications, low-interest loans for disaster recovery, waived fees, etc…) and help our members through it. We are awesome with financial triage. When they are in financial crisis we know how to help. We are being called on again to be there for our members, and we will. In a recent interview with Bloomberg Radio for Weekend Money Minute, I was asked if I think banks should make special concessions for consumers who are late in their payments due to missed work. I responded by telling her that credit unions always have been there for their members and mentioned how awesome we are at financial triage and how we help. She asked the question again, and asked me not to single out credit unions but rather talking about all financial institutions. I said, yes, I think they should work with their customer/member to do what they can to help the consumer because it is good for the consumer but also for the health of the portfolio, if we do not work with them at all, defaults will likely increase. Isn’t it odd how financial triage seems new to some people? I am glad to work in a movement where “people helping people” is the default. This virus is just giving credit unions another opportunity to shine. But I do have a challenge for us as we head into yet another financial triage situation . . . let’s stop running from one financial emergency to another financial emergency. Let’s commit to improving the financial health of our members ALL THE TIME because in doing so, they will be much stronger when the next storm comes. Tips for Providing Financial Triage:Help the member understand their financial runway. How much money do they have? How long will that last? How much work (unpaid) will they be missing? What bills are coming up? What is the financial gap? Help the member prioritize their payments. Housing should be first. Perhaps student loans can be deferred for 6 months? Offer solutions that will help them increase cash flow during this temporary setback, (skip-a-pay, loan extensions, loan modifications, low interest loans for disaster recovery, waived fees, etc…) Have them reach-out to other creditors/lenders to seek temporary relief too. Tips for Encouraging Long Term Financial Health What does it mean to be financially healthy? “A person is financially healthy when their daily financial systems allow them to be resilient and pursue opportunities of time.” (Financial Health Network definition)We can work with members to encourage spending, saving, borrowing, and planning in a way that will enable them to be resilient and pursue opportunities over time. We have the tools for this too and they trust us to be their financial advisor. The Financial Health Network provides four pillars of financial health to consider, each one has two tenets. Maybe it is time to have a cross-functional financial health team that can think about how the credit union can impact member’s financial health in the following areas: SpendingSpend less than incomePay bills on time Our members trust us to help them reach their financial goals and realize their dreams. We have to help get them from just financially surviving to financially thriving so they can realize these dreams. We know that loyalty grows when we help them through a financial crisis, imagine the loyalty when we help them become financially healthy and reduce that toxic financial stress and help them find peace of mind! My hope is that we can keep the “Financial Health” conversation alive every day, not only in times of emergency.
Advertisement Comment Alex Lacazette and Pierre-Emerick Aubameyang helped Arsenal secure a 3-1 Europa League semi final first leg win over Valencia (Picture: Getty)‘It would be a very special feeling to win against Arsenal, especially because I couldn’t play in the first game,’ Coquelin said.‘But even more it would be special to reach the final and make another small bit of history with this club.’‘Away from home they [Arsenal] are a different team. They drop the intensity a little bit and that means we can score goals and do damage, especially with the attack that we have.‘The team is ready to make a comeback. The goal we scored there helps us a lot. It will be a difficult game but with the quality we have, we believe we can do it.‘The fans always help us a lot at home, they did against Getafe in the cup when we made a spectacular comeback and the team is ready to do the same again.’More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing Arsenal Metro Sport ReporterWednesday 8 May 2019 1:35 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link1.3kShares Francis Coquelin takes subtle dig at Arsenal ahead of Europa League semi final against Valencia Francis Coquelin joined Valencia from Arsenal last January (Picture: Getty)Francis Coquelin believes his former Arsenal side will wilt under pressure and throw away their two-goal advantage in Thursday’s Europa League semi final second leg against Valencia.The Frenchman missed out on making an emotional return to the Emirates a week ago due to suspension and was unable to prevent Pierre-Emerick Aubameyang and Alexandre Lacazette dovetailing to help Unai Emery’s men build a potentially significant advantage.Arsenal’s hopes of Champions League qualification now rest on winning Europe’s second tier competition following a disastrous run of results, culminating in Sunday’s 1-1 draw at home against Brighton.AdvertisementAdvertisementCoquelin, who failed to score in 160 appearances for Arsenal, has noted his old club’s wretched away form and is confident Los Ches are capable of completing a comeback at the Mestalla.ADVERTISEMENTMore: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man City Advertisement
By Bruce Fuhr,The Nelson Daily SportsAs if life couldn’t get any worse for the Nelson Leafs after Saturday’s 5-0 Kootenay International Junior Hockey League shellacking at the hands of Murdoch rival Castlegar Rebels.But it can.The Leafs open play Friday against another one of those Murdoch teams the Heritage City franchise has yet to defeat this season.Saturday, the road get even bumpier when Nelson travels to the South Okanagan to meet a team that has suffered only one regulation loss this season — the 24-1-1-4 Osoyoos Coyotes.“It’s real frustrating against Castlegar and Beaver Valley is another divisional team we haven’t done that well against,” Leaf coach and GM, Chris Shaw said following Saturday’s loss. “The rest of the league has felt our presence and we’ve handled them quite nicely and the rest of the teams in our division.”“But we’ve got to learn to beat the two top teams in our division, which is the most important games for us,” Shaw added.Nelson, fourth in the Murdoch with a 15-12 record, is 8-2 outside the division.Nelson attempts to snap the streak against the Hawks, a team that has jumped ahead of the Rebels in the Murdoch race.Unfortunately, for the Leafs Beaver Valley enters the contest tonight at 7 p.m. in the NDCC Arena as one of the hottest teams in the league. The Hawks are 9-1 in the last ten.Beaver Valley is led by Nelson Minor Hockey grad Ryon Sookro. The 19-year-old native of South Slocan lead Beaver Valley in scoring with 36 points, including 17 goals. Another Nelsonite with the Hawks is Justin Niminiken has 16 points for Beaver Valley. The Osoyoos game is the first of three on the road for the Leafs. Next week Nelson travels to Kimberley and plays a return engagement with the Hawks before hosting Grand Forks Sunday, December 12.The contest against the Bruins is the last game before the Christmas [email protected]
Erik Leslie scored twice and field general Bill Clark controlled the tempo of the game sparking Jackson’s Hole to a 3-2 victory over Club Inter in the final of the Jackson’s Hole Men’s Masters League Sunday afternoon at the Lakeside Pitch.The victory completed a sweep of the medals for Jackson’s Hole, winners of both the first and second-half titles before claiming the ultimate prize, the playoff crown, Sunday.Jackson’s was knocked out of the playoffs last year in the semi finals.Leading 1-0 on a first half goal by Leslie, Club Inter rallied to tie on take the lead in the second half on goals by John Colbeck.However, just when it appeared the upset would happen Leslie notched his second of the game to tie the game at 2-2.Then with time running out, second-round draft pick Morgan Dehnel, overlapping from his defensive position, snapped the tie as he put a shot past Club Inter keeper Jeff Frost.Jackson’s advanced to the final by sneaking past Real Nelson 3-1 while Club Inter knocked off defending champion Bia Boro.Lily Whites outlast Dirty Dozen to claim Finley’s Ladies Rec All season long the Dirty Dozen and Lily Whites battled for top spot in the Finley’s Ladies Rec Soccer League.In the end it was the Lily Whites getting the last laugh as the regular season runner up got past Dirty Dozen 6-4 in the final of the Finley’s Ladies Rec Soccer League Sunday at the Lakeside Pitch.The win was the first for the Lily Whites.Lily Whites advanced to the final by stopping Red Dog 4-2 while Dirty Dozen eliminated the 2010 playoff winner, Finley’s Jiggers [email protected]
The team includes, back row, L-R Becca Schrader, Josephine Hellmeire, Paisley Randell, Jan Douglas, Erica Augsten, Abbie Bouchier-WIllans.Front, coach Jennifer Kidd, Calena Marchand, Kelbey Palm, Captain Jayden Roch, Bailey Repp, Antonia Katountas, Kelly Westerop and coach Megan Rushton. The L.V. Rogers Bombers took to the road to represent the school at the B.C. High School AAA Girl’s Volleyball championships.It’s been a few years since LVR sent a team to the elite tournament.Mallard’s Source for Sports would like to help the girls along with Team of the Week honours.
This week Donegal Daily’s motoring expert Brian McDaid takes you on an adventure in the Dacia Sandero.The brochure says you will get €10 change from twelve grand for a brand new car.A double check to see what year this information booklet was printed followed up by a second opinion, through Google and the news, was still good that you can still buy a new small family car going into the year 2020 for just €11,990. Advertisement The brand is Dacia and the model is entry their range in the Sandero.A view of the Sandero that we tested this week courtesy of Highland Motors. Photo Brian McDaid.I feel as I have been here before and I can trace the DNA of this car back to an ancestor of its past.The Sandero may look nothing like the car I’m thinking of but this small engined family car reminds me a lot of principals the Renault 4.The first of the Renaults had a 747cc engine in it. Advertisement We had on in the late 1960s which was very quirky at the time compared to the normal family cars in Letterkenny.The first of the Renault 4’s which we one owned many years ago.The giant European car maker Renault are making the Sandero and distributing the range in Ireland. The Dacia Duster made a great name for itself as an SUV extremely well priced starting at under the €20k.Back when we had our Renault 4L, which was the base model in the range, it had sliding windows and a gearstick in the middle of the dash.This car was the first front-wheel drive family car that Renault ever built, it had three studs on every wheel compared to four on other cars, and as my father said it would run on a sniff of ‘regular’ petrol back in those days.The Sandero parked along the same roads that we travelled along years ago in our old Renault 4. Photo Brian McDaid.That was important to us as a family not because of the developing oil crises but because times were very tight in our house and an easy run car served our immediate day to day budget rather than any bigger environment worry back then. This week we were out on the roads in Donegal in the Dacia Sandero. There is three engines to pick from the 1.5 diesel a 900cc turbo petrol and the 1000cc petrol model that we tested.Our Sandero was the entry model. The first thing that you realise once you sit in the Sandero is the amount of room available for a car that looks quite compact from the outside.The Sandero at Muckish along the same roads that we travelled along years ago our old Renault 4. Photo Brian McDaid.Every so often you can hear the offbeat sound of the three-cylinder petrol engine. It’s progressive to drive and is very comfortable and not laboured when drove at or below the national speed limit.At motorway speed, the three-cylinder engine sound becomes more pronounced. That familiar remote control on the steering column which Renault owners would be very familiar is straight forward and simple to us to adjust the volume and change the radio stations.You couldn’t have enough charging points on a car these days and this Dacia Sandero has a 12v charge for both the front and back passengers and also has a USB point on the radio.On the roadDriving this Dacia, the suspension is a bit softer than normal, which is great to absorb the ever-changing road surface in Donegal.The Sandero has a very functional theme and feel to it.A view of the Sandero that we tested this week courtesy of Highland Motors. Photo Brian McDaid.It simply gets on very well with the job of transporting someone from A to B with the least amount of fuss.The secrets in the pricingThe road forward, from an environment point of view, is aimed towards low emission petrol engines or electric power.It’s not that long ago that diesel was the signpost that we were supposed to follow for a lower carbon footprint.Diesel engines were easier to run but were more expensive to buy than the petrol equivalent, and at the moment all-electric cars are still more expensive to buy than petrol even with a rebate back.Even though the Sandero will still have a big slice of its price going to the tax man, it will have a slice of pie half the size of a car, that is twice its price respectively, to hand over in taxes.If its the future of the environment that is the reason you are considering buying this very full efficient 1000cc Sandero, or it simply down to your budget, the Sandero gets you on the road with a good warranty without the worries and pressures of spending the same amount on an equivalently priced second-hand car.Happy Motoring FolksDD Motoring: Less is more in the family friendly Dacia Sandero was last modified: April 18th, 2019 by Brian McDaidShare 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)Tags:dd motoring
21 July 2009 Commenting on the standard of intellectually disabled swimming, both locally and internationally, she said it “just keeps getting higher every year, which just makes Craig’s accolades all the more impressive.” Groenewald, who received the Most Successful Male Athlete Trophy from the President of the Senate of the Czech Parliament, scored more points than anyone else out of the 818 athletes in action at the Global Games. He also received the Top Male Swimmer award, thanks to his five individual gold medals and two relay bronze medals. Groenewald attributes his success to “dedication and preparation, and two tiring training sessions six days a week!” Paying tribute to those who helped the team shine in Hungary, Luus said: “Our athletes remain motivated, and our coaches, who are mostly teachers, are prepared to work hard as volunteers in their schools and areas.” The basketball team started their campaign with promise, thrashing Hungary, but their challenge was soon derailed by a spate of injuries to key players. Bongi Shongwe, national basketball convener, said that despite the “bumps in the road our players still did their very best, and salvaged a seventh place finish. ‘Dedication and preparation’ Table tennis Champion Groenewald is no stranger to success, having been declared the top male swimmer at both the 4th and 5th INAS-FID (International Federation for people with Intellectual Disability) World Swimming Championships in 2005 and 2007 respectively. He was also a medalist at the 1996 Atlanta and 2000 Sydney Paralympics. Ina Fowler, national swimming convener for intellectually disabled swimmers, believes that “Craig’s achievements are absolutely incredible.” She explained: “He got gold medals in all but one of his individual events, and we are so proud of him.” The second edition of the Global Games, which featured intellectually-impaired athletes from over 40 countries, were held in Liberec, Jablonec nad Nisou and Cesky Dub in the Czech Republic. South Africa’s team was 57-strong, with the country’s athletes competing in athletics, basketball, futsal, swimming and table tennis. He identified the lack of regular international exposure for South African players as a stumbling block. However, he was optimistic that the country could make its mark, saying: “With better structures in place, both provincially and nationally, we can become a force in the international table tennis arena.” Vogel further praised the South African team management. “The wonderful team of managers was a pleasure to work with,” she said, “and their hard work and good grace was recognised as the large team of Czech volunteers selected SA as the best managed country. So we know that the world took notice of South Africa.” The result, which could have very easily been bettered had the team not lost out to eventual winners Portugal by a goal in the dying seconds of their last crucial group encounter, was nevertheless “something to be proud of,” said Navigator Mangadi, the national convener for both football and futsal. Lizzie Vogel, the President of SASA-II (South Africa Sports Association for the Intellectually Impaired) was both proud of and pleased with the 21 medals that the South African team brought home. “It takes dedication and perseverance to be able to achieve on the international stage,” she said, “and I am just so happy that the hard work of all the athletes was rewarded with medals.” “The team has been improving a lot over the last two years, and if we can keep the team together we will achieve in the years to come.” The men’s team finished as the third most successful country in the athletics code, bagging three gold, two silver and three bronze medals over the course of the competition in a range of disciplines. The Eastern Cape’s Khanti Mncedi was the most successful of South Africa’s athletes, with an individual haul of two gold medals and one silver medal. “Although Mncedi was the standout athlete, it took a team effort for the men to be the third most successful country in the athletics competition.” The swimming team captured a total of 11 medals, and established many South African records along the way in both men’s and women’s individual events and relay events – an indication that the standards of intellectually-disabled swimming in the country is constantly improving. The futsal team, which was the first South African futsal team to representing the country at an international event, placed a very respectable fifth overall. ‘We are very proud’ Rocky Makgoka, the national athletics convener, was also full of praise for her athletes, who took home a total of 10 medals in individual and relay events. She said: “Nearly every athlete who attended the games has won a medal, and that was because our athletes were motivated and had trained very hard in the months and weeks leading up to the tour. South African team SAinfo reporter Piet Nhlapo, the national convener for table tennis, commented: “Although we have a lot of table tennis talent in the country, we still have a long way to go to meet the current international standard of countries like China.” The sole table tennis representative Thelma Mabena did well to beat one of her higher ranking opponents in the women’s individual competition. Team South Africa excelled at the 2009 Global Games for intellectually impaired athletes, which took place in the Czech Republic earlier this month, with swimmer Craig Groenewald winning the award for best male athlete of the Games and the men’s athletics team placing third overall. “For first time performers on the international stage, to be ranked fifth is not something that we were expecting, so we are very proud of our boys,” he said. “The girls’ relay team medaled in four of the five relay events, so the coaches and management are very happy with the all-round performance of the squad,” said concluded. In 12 attempts at the Midmar Mile, the world’s largest open water swimming event, Groenewald, competing against the able-bodied swimmers in the Iron Man category, is unbeaten. Tribute The South African team general manager Theuns Luus was very pleased with the team’s results. “This is all about hard work over many years, from school level up to club level, and this is just the beginning of much more to come in the future.” Success and depth She added: “We are obviously ecstatic that Craig (Groenewald) was chosen as the most successful athlete, as success breeds success, and it is good for the younger athletes who are just starting their international careers to feel what is like to be part of a successful international campaign.” ‘A team effort’ Fowler added that “the entire team had a successful championship; in many cases we had two or three swimmers in a final, so that also shows that we have depth in our squad. Would you like to use this article in your publication or on your website? See: Using SAinfo material
10 June 2011 The Cabinet has approved minerals beneficiation as official policy for South Africa, opening up exciting opportunities for long-term investment in the beneficiation/ manufacturing sector of the economy.“This strategy provides a framework that seeks to translate the country’s sheer comparative advantage inherited from a significant mineral resource reservoir to a national competitive advantage,” government spokesman Jimmy Manyi told a media briefing in Pretoria on Thursday following the Cabinet’s regular Wednesday meeting.As a vital input to the government’s industrialisation programme, the new policy presented exciting opportunities for long-term investment, for both local and foreign, into the beneficiation/manufacturing sector of the economy, he said.“This will leverage optimal benefit from enhanced value of exports, increasing sources for consumption of local content, and contribute towards the creation of sustainable jobs.”Cabinet also approved the design of the commemorative crown-size silver coins in celebration of the 90th Anniversary of the South African Reserve Bank.The new coin design would be published in the Government Gazette, Manyi said.Sapa