Pioneer Connection. April Showers bring May Flowers. May ITPA Officers. Regional Vice Presidents. Leon Yard, President

Size: px
Start display at page:

Download "Pioneer Connection. April Showers bring May Flowers. May ITPA Officers. Regional Vice Presidents. Leon Yard, President"

Transcription

1 May 2016 April Showers bring May Flowers ITPA Officers Leon Yard, President James White, 1st Vice President JoAnn Esposito, 2nd Vice President Jo Myers, Secretary/Treasurer Becky Hollis, Immediate Past President Regional Vice Presidents Region 1, Bill Barber Region 2, Sue Lehmkuhle Region 3, Hannah Lancaster Region 4, Nancy Schnitzer Region 5, Morrie Sachsenmaier

2 Page 2 Hello My name is Mr. Big Muhn-Kee. I was introduced to attendees of the 26 th Annual Assembly in Memphis, Tennessee as the Mascot for Leon Yard. My stay was brief but I wanted everyone to know that I have taken a Pledge and made a Promise to raise money for Leon s Charity of Choice Hunters Helping Kids. I hope to travel a lot and meet as many Pioneers as I can. If you missed this Assembly, I think you missed a good one. There was lots of Fellowship and Fun! We conducted the necessary business and we viewed some local attractions. Memphis is a true history book. If there is anything Leon Yard can do to make Pioneering better please contact him by at leon.yard@comporium.com. He also made a Promise and Pledge to make this a great year for Pioneers. Remember this year s motto is Pioneers Don t Monkey Around!!!

3 Page 3 MEMBERSHIP COMMITTEE Greetings, Fellow Pioneers and welcome to post- Memphis. We're not far from the halfway mark for 2016 and we want to be sure to take advantage of all opportunities. For example, review your A-Z Report for your member paid-up status. We can do only so much on the national level and your local assistance is so important. And, don't forget recruiting new members as these are always critical to continued growth. We will be developing membership incentives again to encourage organization-wide assistance with membership growth and trust each of you will get involved to help us promote our fine volunteer organization. Remember, the Independent Telecommunications Pioneer Association is in its 94th year which means the 100th Anniversary is just around the corner and what a pioneer year that will be!!! Thanks to each of you for your efforts and dedication. If you have any questions or need direction, please contact our Executive Director, Alissa Moss at our Office/Museum or contact me. We need you and welcome any constructive ideas you might have. Lee Jacobs Membership Chair

4 Page 4 ITPA Shirts for Sale Colors: Red, Orange, Light Blue, Blue Sizes Medium to XXL in both Men s and Women s $20 plus shipping If using a credit card a convenience fee will be added Order your shirt from Leon Yard at

5 Page 5 Since 1989, Can Do Canines has provided assistance dogs to people with disabilities, free of charge. Our fully-trained dogs, often adopted from local animal shelters, are provided to clients with mobility challenges, hearing loss or deafness, seizure disorders, diabetes complicated by hypoglycemia unawareness or children with autism. Can Do Canines is the largest provider of assistance dogs in Minnesota and relies on individual contributions to support its important work. It costs on average $25,000 to train and place an assistance dog. A defining characteristic of Can Do Canines is its commitment to find new ways for assistance dogs to help individuals with disabilities. The organization s leadership in thinking outside the box can be seen through a variety of innovations. Can Do Canines pioneered the training of assistance dogs to detect low glucose levels for people with type I diabetes and Can Do Canines was one of the first organizations in the country to train a Seizure Assist Dog to interact with a Vagus Nerve Stimulator (VNS), a device implanted in the chest of an individual to help control seizures Please help the North Star Chapter by making a monetary donation or by purchasing items on the wish list. Please contact Karol Nielson, treasurer of the North Star Chapter to make a contribution.

6 Page 6

7 Page 7 Pioneers Don t Monkey Around!!! We are on the web: Like us on Facebook: Independent Telecommunications Pioneer Association National Office

8 Page 8 In business for over 75 years, GEICO gives you the benefit of great rates on high -quality car insurance. Because you are an ITPA member, you could be eligible for a special membership discount on GEICO auto insurance. In addition to your special membership discount, you'll also receive 24-hour service online or by phone, as well as efficient and fair claim handling. To complete your free, no-obligation rate quote, simply visit itpa or call to speak with an agent. Make sure to mention that you are a member of GROUP to be eligible for that special discount, and so the ITPA gets credit for the quote. Remember, every completed quote helps benefit the association. Already a GEICO customer? Make sure to let a GEICO representative know that you are a member of ITPA so they can add that information to your policy. Need insurance for your motorcycle, RV, boat, house or rental unit? GEICO can help you find great coverage at an affordable rate. Simply ask a customer service representative or go online to see how easy it is to get a quote. DISCLAIMER: Some discounts, coverages, payment plans and features are not available in all states or all GEICO companies. Discount amount varies in some states. One group discount applicable per policy. Coverage is individual. In New York a premium reduction may be available. Motorcycle coverage is underwritten by GEICO Indemnity Company. Boat coverage is underwritten by Seaworthy Insurance Company, a GEICO company. Homeowners and renters coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc. GEICO is a registered service mark of Government Employees Insurance Company, Washington, D.C ; a Berkshire Hathaway Inc. subsidiary GEICO

Pioneer Connection- October 2017

Pioneer Connection- October 2017 Pioneer Connection- October 2017 UPCOMING EVENTS OCTOBER 13 th is Lee Jacobs Day! The Pioneer Club will honor Mr. Lee by hosting an Employee & Retirees Telecom Reunion on Friday, October 13 th at Centurylink

More information

NAHB Members Continue to Enroll to Receive Increased Discounts through GM NAHB Private Offer Continues and Business Owners Can Now Save $1000

NAHB Members Continue to Enroll to Receive Increased Discounts through GM NAHB Private Offer Continues and Business Owners Can Now Save $1000 December 8, 2015 NAHB Members Continue to Enroll to Receive Increased Discounts through 2016 Visit www.lowesforpros.com/nahb and register to save 2% on your Lowe's Accounts Receivable purchases made now

More information

April Read the latest news from Manhattan Beach Badminton Club! View this in your browser INSIDE THIS ISSUE:

April Read the latest news from Manhattan Beach Badminton Club! View this  in your browser INSIDE THIS ISSUE: Read the latest news from Manhattan Beach Badminton Club! View this email in your browser April 2018 INSIDE THIS ISSUE: Click on the link to jump to any article you wish to read. Greetings from the Board

More information

Welcome to a new school year! We have so many fun things planned for the year in fact, we have already started!!!!

Welcome to a new school year! We have so many fun things planned for the year in fact, we have already started!!!! PRESIDENT: MEGAN VERNAK CO-VICE PRESIDENTS: JEN LERNER AND NAYNA JHAVERI CO-TREASURERS: GRACE VERANO AND THIO JENKINS JFK PTO SECRETARY: MARIANNE LUBRANI October 12 - Tuesday - PTO Meeting 6:15 pm October

More information

INSIDE. We re Waiving Our Fees on Home Equity Lines of Credit and 2nd Mortgages! Youth Month The Science of Saving

INSIDE. We re Waiving Our Fees on Home Equity Lines of Credit and 2nd Mortgages! Youth Month The Science of Saving INSIDE Spring 2018 www.mhcu.org You will be entered to win a Gas Grill! We re Waiving Our Fees on Home Equity Lines of Credit and 2nd Mortgages! No Fees! Low, Variable Rates!* Potential Tax Savings!**

More information

Farewell Summer. & Hello Fall! Leigh & Shannon

Farewell Summer. & Hello Fall! Leigh & Shannon Farewell Summer & Hello Fall! It s hard to believe we are heading into the last few months of this exciting year for Swell Insurance Solutions. It s been a wonderfully fun summer and our team has had some

More information

Marathon Petroleum Relocation Policy Frequently Asked Questions

Marathon Petroleum Relocation Policy Frequently Asked Questions Marathon Petroleum Relocation Policy Frequently Asked Questions Relocation Allowance Is the Relocation Allowance intended to cover all of my relocation expenses? No, your Relocation Allowance is intended

More information

10 STEP WOMEN'S RETREAT PLANNER Printable workbook to make your next retreat your best ministry event yet!

10 STEP WOMEN'S RETREAT PLANNER Printable workbook to make your next retreat your best ministry event yet! 10 STEP WOMEN'S RETREAT PLANNER Printable workbook to make your next retreat your best ministry event yet! T H E S U R P R I S I N G S E C R E T T O A L I F E - C H A N G I N G W O M E N S R E T R E A

More information

Member Guide Arriva Workplace Pension Plan

Member Guide Arriva Workplace Pension Plan Arriva Workplace Pension Plan I'm dreaming of taking up deep sea fishing This member guide is designed to help you understand the Arriva Workplace Pension Plan so you can make decisions that are right

More information

SWAN LAKE ESTATES HOMEOWNER S ASSOCIATIONS QUARTERLY NEWSLETTER Second Quarter 2012

SWAN LAKE ESTATES HOMEOWNER S ASSOCIATIONS QUARTERLY NEWSLETTER Second Quarter 2012 SWAN LAKE ESTATES HOMEOWNER S ASSOCIATIONS QUARTERLY NEWSLETTER Second Quarter 2012 President s Message Hi Neighbors, Please be sure to find us on www.facebook.com Summer is just about in full swing, and

More information

The Fed Casher Show A Consumer Call-In Program

The Fed Casher Show A Consumer Call-In Program The Fed Casher Show A Consumer Call-In Program An Introduction to Personal Finance and Building Wealth By Matthew Daniel Federal Reserve Bank of Atlanta Lesson Plan of the Year Contest, 2007 2008 Second

More information

An update from Pace. What s inside this issue? Autumn 2014

An update from Pace. What s inside this issue? Autumn 2014 An update from Pace Autumn 2014 Welcome to our annual update. The big news this year is that the Government wants to change the pensions rules to give you even more flexibility and freedom to use your

More information

Montana PTA Voice. Upcoming Deadlines. Providing PTA news and information for Montana PTA local units, councils, and members

Montana PTA Voice. Upcoming Deadlines. Providing PTA news and information for Montana PTA local units, councils, and members Montana PTA Voice Providing PTA news and information for Montana PTA local units, councils, and members Volume 8, Issue 3 October 2016 TREASURER s Message Hey Treasurers, it is time again for you to file

More information

Name: Julie Coleman Qualifications: American Kennel Club (AKC) approved CGC evaluator Average Hours: 40 Duties: Governance, and Training Director

Name: Julie Coleman Qualifications: American Kennel Club (AKC) approved CGC evaluator Average Hours: 40 Duties: Governance, and Training Director Annual Report Pawsitivity Service Dogs EIN # 47-1446634 2014 Mission Statement The purpose of this corporation is: o to train and place service dogs ( Pawsitivity Dogs ) for individuals with disabilities.

More information

Estimating Your Retirement Income Needs

Estimating Your Retirement Income Needs Champlain Wealth Management Steve J. Hipsley CFP President 2452 Route 9 Suite 304 Malta, NY 12020 518-583-7526 shipsley@cwm-ltd.com Estimating Your Retirement Income Needs Page 1 of 5, see disclaimer on

More information

1. Referrals 2. Earn your business as clients 3. We are expanding & need help

1. Referrals 2. Earn your business as clients 3. We are expanding & need help 3 Reasons Why We Are Here Tonight: 1. Referrals 2. Earn your business as clients 3. We are expanding & need help Do you have someone right now who handles your current financial needs other than yourselves?

More information

For employers GETTING READY FOR THE CHANGES. A guide to setting up salary exchange on our auto enrolment system. Workplace pensions

For employers GETTING READY FOR THE CHANGES. A guide to setting up salary exchange on our auto enrolment system. Workplace pensions For employers GETTING READY FOR THE CHANGES Workplace pensions A guide to setting up salary exchange on our auto enrolment system INTRODUCTION Now that you ve decided to set up salary exchange as part

More information

INSIDE. Happy Credit Union Month! What Makes Our Credit Card Amazing? Fall 2016

INSIDE. Happy Credit Union Month! What Makes Our Credit Card Amazing?  Fall 2016 INSIDE Fall 2016 www.mhcu.org Happy Credit Union Month! At Members Heritage, we are celebrating Credit Union Month in October. This is our way of saying thanks to each of you for your loyalty with MHCU.

More information

Why is having quality auto and home insurance so important?

Why is having quality auto and home insurance so important? Overview Auto and Home Insurance Why is having quality auto and home insurance so important? Because you need to protect your possessions, but you don t need to pay too much or settle for coverage that

More information

Student Guide: RWC Simulation Lab. Free Market Educational Services: RWC Curriculum

Student Guide: RWC Simulation Lab. Free Market Educational Services: RWC Curriculum Free Market Educational Services: RWC Curriculum Student Guide: RWC Simulation Lab Table of Contents Getting Started... 4 Preferred Browsers... 4 Register for an Account:... 4 Course Key:... 4 The Student

More information

Sample MB Annual Organizing Activities

Sample MB Annual Organizing Activities Sample MB Annual Organizing Activities Membership promotion begins at the grassroots level with the local chapter. This includes the one-on-one contact with potential or new members and keeping current

More information

Personal Insurance Myths

Personal Insurance Myths Twelve Personal Insurance Myths You Can t Afford To BELIEVE TWELVE PERSONAL INSURANCE MYTHS You Can t Afford to Believe When it comes to insurance, you need straight facts not myths and legends. Remember

More information

#GetCovered Open Enrollment Toolkit

#GetCovered Open Enrollment Toolkit #GetCovered #GetCovered Open Enrollment Toolkit Open enrollment is here! Do you know someone who doesn t have health insurance or wants to check out other options? Here s your chance to help them get covered.

More information

You should buy a house as soon as possible, because it s the

You should buy a house as soon as possible, because it s the 1 CHAPTER Buy a House ASAP You should buy a house as soon as possible, because it s the one investment you can make with money you have to spend anyway. After all, you have to pay money to live somewhere.

More information

PREPARING FOR PHILANTHROPY

PREPARING FOR PHILANTHROPY PREPARING FOR PHILANTHROPY Hello and welcome. Northern Trust is proud to sponsor this podcast, Preparing for Philanthropy, the fourth in a series based on our book titled Legacy: Conversations about Wealth

More information

Copyright 2015 Wilma G. Anderson, RFC. Retirement Freedom

Copyright 2015 Wilma G. Anderson, RFC. Retirement Freedom Retirement Freedom Don t Leave Your Retirement Behind! Let s face it. The financial landscape for retirees has shifted dramatically over the last few decades. Gone are the days when a nice pension was

More information

THE MEANING OF LIFE IMMS delivers a turnkey life insurance solution for P-C agents

THE MEANING OF LIFE IMMS delivers a turnkey life insurance solution for P-C agents THE MEANING OF LIFE IMMS delivers a turnkey life insurance solution for P-C agents By Elisabeth Boone, CPCU heard it once, heard it a thousand times: As a Ifyou ve property/casualty agent, you re sitting

More information

Life Insurance Buyer s Guide

Life Insurance Buyer s Guide Contents What type of insurance should I buy? How much insurance should I buy? How long should my term life insurance last? How do I compare life insurance quotes? How do I compare quotes from difference

More information

GENERAL FINANCING QUESTIONS

GENERAL FINANCING QUESTIONS GENERAL FINANCING QUESTIONS 1. What is a Mortgage? Tips for Homebuyers Generally speaking, a mortgage is a loan obtained to purchase real estate. The "mortgage" itself is a lien (a legal claim) on the

More information

Medicare Notebook. Helping you make sense of Medicare

Medicare Notebook. Helping you make sense of Medicare Medicare Notebook Helping you make sense of Medicare Hello! Welcome to your Medicare Notebook Whether you re looking for a change or are new to Medicare, this handy guide gives you clear information, helpful

More information

All Things Chocolate & Wine Presented by College Station Noon Lions Club (CSNLC) November 13, 2018, 5:30 p.m. 8:30 p.m. // Hilton College Station

All Things Chocolate & Wine Presented by College Station Noon Lions Club (CSNLC) November 13, 2018, 5:30 p.m. 8:30 p.m. // Hilton College Station All Things Chocolate & Wine Presented by College Station Noon Lions Club (CSNLC) November 13, 2018, 5:30 p.m. 8:30 p.m. // Hilton College Station EVENT: All Things Chocolate & Wine is a signature event

More information

INSIDE. Let Your Money Work For You This Year! MHCU Youth Scholarship Applications Now Available.

INSIDE. Let Your Money Work For You This Year! MHCU Youth Scholarship Applications Now Available. INSIDE Winter 2019 www.mhcu.org Let Your Money Work For You This Year! Introducing Jumbo Certificates! Jumbo Certificates offer higher rates for larger deposits. With a minimum of $100,000 to open, you

More information

Savings account conditions (inc cash ISAs)

Savings account conditions (inc cash ISAs) Savings account conditions (inc cash ISAs) For use from 2nd November 2017 Changes to your terms and conditions We are making some changes to your savings account terms and conditions. The changes will

More information

INS and OUTs of insurance

INS and OUTs of insurance INS and OUTs of insurance What do other high school students know about insurance? We asked high school students about what they think about insurance. Insurance is something that will pay for medical

More information

Your Retirement Lifestyle Workbook

Your Retirement Lifestyle Workbook Your Retirement Lifestyle Workbook Purpose of This Workbook and Helpful Checklist This lifestyle workbook is designed to help you collect and organize the information needed to develop your Retirement

More information

Your Retirement Lifestyle WORKBOOK

Your Retirement Lifestyle WORKBOOK Your Retirement Lifestyle WORKBOOK Purpose of This Workbook and Helpful Checklist This workbook is designed to help you collect and organize the information needed to develop your Retirement Plan which

More information

An employee s guide to auto enrolment

An employee s guide to auto enrolment RETIREMENT An employee s guide to auto enrolment So, what is auto enrolment? Auto enrolment is the UK s workplace pensions initiative geared towards motivating the working population into saving towards

More information

Seed Project Accounting Guidelines

Seed Project Accounting Guidelines Seed Project Accounting Guidelines Your Seed Project is a non profit business. Like any business, you need to keep good records of all your financial transactions. Because you will probably receive donations,

More information

IB Interview Guide: Case Study Exercises Three-Statement Modeling Case (30 Minutes)

IB Interview Guide: Case Study Exercises Three-Statement Modeling Case (30 Minutes) IB Interview Guide: Case Study Exercises Three-Statement Modeling Case (30 Minutes) Hello, and welcome to our first sample case study. This is a three-statement modeling case study and we're using this

More information

MEDIGAP MADE SIMPLE. By Rick Teska Rick Teska. All Rights Reserved

MEDIGAP MADE SIMPLE. By Rick Teska Rick Teska. All Rights Reserved Ne! w MEDIGAP MADE SIMPLE By Rick Teska 2017 Rick Teska. All Rights Reserved Medicare Made Simple By Rick Teska WELCOME! Thank you for downloading our Medicare Made Simple Kit, we hope it is a helpful

More information

Health Reform Hits Main Street

Health Reform Hits Main Street Health Reform Hits Main Street The YouToons explain the new health law. Written and produced by the Kaiser Family Foundation Let s face it folks, the new health care reform law is com-plex. It runs about

More information

January 2014 Membership Newsletter

January 2014 Membership Newsletter January 2014 Membership Newsletter 2014 Annual Chamber Gala Tickets on sale January 2nd February 21st Corporate Table (8 Seats) - $400.00 Half Corporate Table (4 Seats) - $200.00 Individual Tickets - $40.00

More information

Employer Maritime Super is 50! EmPower program: enabling you to excel. February 2017 THE NEWSLETTER FOR MARITIME SUPER EMPLOYERS

Employer Maritime Super is 50! EmPower program: enabling you to excel. February 2017 THE NEWSLETTER FOR MARITIME SUPER EMPLOYERS Employer THE NEWSLETTER FOR MARITIME SUPER EMPLOYERS February 2017 IN THIS EDITION: 2 3 6 Maritime Super is 50! EmPower program: enabling you to excel An update from Mick What s new for members Employer

More information

Benefits and services your employees can really use. you sign up 100 employees or more.

Benefits and services your employees can really use. you sign up 100 employees or more. Benefits and services your employees can really use. In the business world, $16.00 doesn t buy much, but with AARP membership, you can give your employees a lot for very little. It s only $16.00 a year

More information

Getting Started. Did You Know?... Identify the automatic deposits and deductions that you'll be switching to FIDELITY BANK.

Getting Started. Did You Know?... Identify the automatic deposits and deductions that you'll be switching to FIDELITY BANK. Simple Switch Kit Getting Started Identify the automatic deposits and deductions that you'll be switching to FIDELITY BANK. 1. Your Fidelity Bank Personal Banker is at the Branch Branch phone number is.

More information

Industrial Security Integrators, Saving for retirement may be the easiest part of your day.

Industrial Security Integrators, Saving for retirement may be the easiest part of your day. Industrial Security Integrators, Saving for retirement may be the easiest part of your day. Welcome to the plan. RELAX, YOU VE GOT COMPANY ON THE ROAD TO RETIREMENT. No matter where you are on the road

More information

Behavioral Analysis Summary for Ascension Parish During Hurricane Events

Behavioral Analysis Summary for Ascension Parish During Hurricane Events Ascension Parish Total Population by Evacuation Phase Parish Phase 1 Evacuation Phase 2 Evacuation Phase 3 Evacuation Total Population 11,692 103,046 Ascension N/A 114,738 1 9 Total population by Evacuation

More information

steps to financial fitne $$

steps to financial fitne $$ #1 Fit or fat? Take our financial quiz Do you have a written household budget? Do you pay more than the minimum amount on your credit card or have no credit card debt? Do you have an emergency savings

More information

Resources for Starting a 501(c)(3) Peter Shaw Assistant School District Attorney

Resources for Starting a 501(c)(3) Peter Shaw Assistant School District Attorney Resources for Starting a 501(c)(3) Peter Shaw Assistant School District Attorney Disclaimer School Board Regulation 801.3AR Membership shall be primarily made up of parents and community members, though

More information

Worksheet: Managing A Large Cash Windfall

Worksheet: Managing A Large Cash Windfall Worksheet: Managing A Large Cash Windfall Getting Started If you recently came into a lot of money -- inheritance, legal settlement, gambling/lottery win here s how to get organized and plan for your new

More information

Get the Right Coverage

Get the Right Coverage Get the Right Coverage Call 855-381-1212, visit bcbstx.com or contact an independent Blue Cross and Blue Shield of Texas agent to get a quote today. 2016 Life is Full of Important Choices Some choices

More information

SmartMoney Digest. Refer a friend to join PECU. You and your friend can both earn $50! Attend PECU s Annual Meeting on March 4 P.3 P.5.

SmartMoney Digest. Refer a friend to join PECU. You and your friend can both earn $50! Attend PECU s Annual Meeting on March 4 P.3 P.5. 1ST QUARTER 2019 SmartMoney Digest AUTO LOAN REFINANCE PROMOTION P.3 HOME EQUITY PROMOTION P.5 Refer a friend to join PECU. You and your friend can both earn $50! It s a new year with a great new opportunity

More information

Y EARS. Annual Report

Y EARS. Annual Report Y EARS 2018 Annual Report 2018 Board of Directors John A. Jones Chairman James E. Kidd Vice Chairman Jackie D. Cleghorn Treasurer Barry Brown Secretary Mary S. Edenfield-Gibbs Director Donald R. Hanson

More information

Activity: After the Bell Before the Curtain

Activity: After the Bell Before the Curtain Activity: After the Bell Before the Curtain Activity Objective: Students will review terms and concepts from the Stock Market Game. They will also realize that winning the SMG is not the most important

More information

Behavioral Analysis Summary for Lafourche Parish During Hurricane Events

Behavioral Analysis Summary for Lafourche Parish During Hurricane Events Lafourche Parish Total Population by Evacuation Phase Parish Phase 1 Evacuation Phase 2 Evacuation Phase 3 Evacuation Total Population 23,394 74,080 Lafourche N/A 97,474 24. 76. Total population by Evacuation

More information

SHEDDING LIGHT ON LIFE INSURANCE

SHEDDING LIGHT ON LIFE INSURANCE SHEDDING LIGHT ON LIFE INSURANCE A practical guide LEARN MORE ABOUT Safeguarding your loved ones Protecting your future Ensuring your dreams live on Life s brighter under the sun About this guide We ve

More information

Savings account conditions (inc cash ISAs)

Savings account conditions (inc cash ISAs) Savings account conditions (inc cash ISAs) For use from 6th April 2018 Welcome to Halifax This booklet explains how your Halifax savings account works, and includes its main conditions. This booklet contains:

More information

Following the above changes, the full Trustee board looking after members interests is: Member Nominated. Paul Jackson Rachel Potarzycka

Following the above changes, the full Trustee board looking after members interests is: Member Nominated. Paul Jackson Rachel Potarzycka Chairman s Letter PENSIONS news Electrocomponents Pension Scheme Newsletter JANUARY 2016 Member Nominated Directors (Trustees) (MNTD) The Triennial MNTD election took place during the summer of 2015. Five

More information

Aon Retiree Health Exchange Transition Guide

Aon Retiree Health Exchange Transition Guide Aon Retiree Health Exchange Transition Guide New Health Care Coverage Options and Resources for Medicare-Eligible Retirees, Survivors, Long Term Disability Participants and Their Eligible Dependents. Welcome

More information

NEXT MOVIE COULD BE ON US!

NEXT MOVIE COULD BE ON US! Federal Credit Union Know better banking 2017 YOUR NEXT MOVIE Spring 2018 In this issue COULD BE ON US! 4 Questions for Homebuyers Home Equity Solutions Mobile Banking Introducing Auto Expert Is your kid

More information

Your guide to Releasing cash from your home. Lifetime mortgages that do more from

Your guide to Releasing cash from your home. Lifetime mortgages that do more from Your guide to Releasing cash from your home Lifetime mortgages that do more from Shouldn t there be more to life than worrying about money in retirement? That s what we believe and that s why more 2 life

More information

Managing Money Together. A Workbook for Couples

Managing Money Together. A Workbook for Couples Managing Money Together A Workbook for Couples Introduction Growing up, my parents argued about money. It wasn t a lot now that I look back, but I do remember thinking that I never wanted to do that. So,

More information

December 14, Dear Homeowner,

December 14, Dear Homeowner, December 14, 2017 Dear Homeowner, Keystone Pacific is excited to announce that we have completed an upgrade to our customer portal and online account management software to enhance your ability to manage

More information

Thinking about Early Retirement?

Thinking about Early Retirement? Oct. 2017 Newsletter Thinking about Early Retirement? What are your expenses? No, your real expenses that you have tracked carefully over a period of at least two years, not some rough estimate that you

More information

LENDER REFERRAL SCRIPTS

LENDER REFERRAL SCRIPTS A strong recommendation from you will have an enormous impact on my ability to serve your clients. Our relationship exists because of our mutual commitment to consistently exceed our client s expectations,

More information

WHAT IS MONEY? Unit of Exchange. Types of Money. Pine Gulch Skit 12/12/2016

WHAT IS MONEY? Unit of Exchange. Types of Money. Pine Gulch Skit 12/12/2016 Pine Gulch Skit WHAT IS MONEY? Unit of Exchange Under the Barter System Barter (trade) is the exchange of one good or service for another Requires double coincidence of want both people have to want what

More information

A member s guide to investments

A member s guide to investments RETIREMENT A member s guide to investments An introduction to our approach to investment When you and your employer pay contributions to NOW: Pensions, you expect us to invest them wisely for your future.

More information

Chairman s Report. Chairman s Report

Chairman s Report. Chairman s Report 2015 ANNUAL REPORT America s First Federal Credit Union is committed to its founding principle of improving the quality of members lives by maintaining a strong, secure, and innovative credit union that

More information

Of a Loved One. Legal Steps to Take. Upon the Loss. Important Disclaimer ProtectingWealth.com. Christopher W. Dumm Attorney at Law

Of a Loved One. Legal Steps to Take. Upon the Loss. Important Disclaimer ProtectingWealth.com. Christopher W. Dumm Attorney at Law Legal Steps to Take Upon the Loss Of a Loved One 888.616.2062 ProtectingWealth.com Please allow me to offer my condolences for the loss of your loved one. Because this can be a traumatic time, I have designed

More information

The answer s yes your indispensable guide to securing a mortgage

The answer s yes your indispensable guide to securing a mortgage The answer s yes your indispensable guide to securing a mortgage Hello from HOOCHT These days, life moves faster than ever. To keep pace with it, we re used to doing everything at lightning speed, with

More information

Engagement Energizer. 12 Months of Better Benefits Communication

Engagement Energizer. 12 Months of Better Benefits Communication Engagement Energizer 12 Months of Better Benefits Communication There are 12 months in the year. So why do so many companies try to squeeze a year s worth of benefits communication into two weeks during

More information

Member Guide. Capricorn membership makes it easier to run and grow your business. FREECALL capricorn.

Member Guide. Capricorn membership makes it easier to run and grow your business. FREECALL capricorn. Member Guide Capricorn membership makes it easier to run and grow r business. FREECALL 0800 401 444 csl@capricorn.coop capricorn.coop Cooperating Together, Stronger Together You are part of something bigger

More information

HOMEOWNER APPLICATION

HOMEOWNER APPLICATION About Us: is an all-volunteer registered non-profit organization that provides entirely free home repair services for low-income homeowners and non-profit facilities. We are part of the Rebuilding Together

More information

REQ: The emotional side of retirement. Dr Joanne Earl Associate Professor, Flinders University and Faculty, Portfolio Construction Forum

REQ: The emotional side of retirement. Dr Joanne Earl Associate Professor, Flinders University and Faculty, Portfolio Construction Forum REQ: The emotional side of retirement Dr Joanne Earl Associate Professor, Flinders University and Faculty, Portfolio Construction Forum For some retirement represents blissful relaxation But for others

More information

DIY! (WITH HELP FROM FOREMOST

DIY! (WITH HELP FROM FOREMOST DIY! (WITH HELP FROM FOREMOST ) You re a small business owner, so you re used to doing it all yourself. You run your business, take care of your employees and help your customers make sure they have the

More information

Diocesan SOYO Treasurer Duties. I can do all things through Him who gives me strength. (Phil 4:13)

Diocesan SOYO Treasurer Duties. I can do all things through Him who gives me strength. (Phil 4:13) Diocesan SOYO Treasurer Duties I can do all things through Him who gives me strength. (Phil 4:13) Above all, make sure God is the center of everything you do as Treasurer your job is to work for the glory

More information

BANTERRA INSURANCE BANTERRA INSURANCE1 BANTERRA BANK BUSINESS INSURANCE AGRIBUSINESS INSURANCE1 PERSONAL BANKING BUSINESS BANKING

BANTERRA INSURANCE BANTERRA INSURANCE1 BANTERRA BANK BUSINESS INSURANCE AGRIBUSINESS INSURANCE1 PERSONAL BANKING BUSINESS BANKING BANTERRA INSURANCE Auto, Home, Life Health Business Agribusiness BUSINESS INSURANCE Owning your own business requires considerable dedication, time and investment from an individual. At Banterra Insurance,

More information

Baby Boomer Bulletin No.47 September 2016

Baby Boomer Bulletin No.47 September 2016 Baby Boomer Bulletin No.47 September 2016 Hi everyone Please enjoy. Super to Become Bigger Asset than Housing? A 12 year longitudinal survey of more than 19,000 Australians has revealed some fascinating

More information

THE LIFE INSURANCE BUYER S GUIDE

THE LIFE INSURANCE BUYER S GUIDE THE LIFE INSURANCE BUYER S GUIDE Introduction The Kentucky Department of Insurance is pleased to offer this Life Insurance Buyer s Guide as an aid to assist you in determining your insurance needs and

More information

LIFE INSURANCE. The Game of

LIFE INSURANCE. The Game of The Game of LIFE INSURANCE Life can sometimes feel like a game, especially when it comes to handling your finances. As a typical letter carrier progresses through their career, and through the life changes

More information

50 PLUS PLAN. Policy Summary

50 PLUS PLAN. Policy Summary 50 PLUS PLAN Policy Summary 50 Plus Plan Policy Summary In this summary, we try to help you by giving you the key facts of the plan. It doesn t set out the full terms and conditions you will find these

More information

Managing Your Real Estate Business

Managing Your Real Estate Business Managing Your Real Estate Business Making a difference in your first 90 days You may be an old hand at what you find in these slides. OR this may be the first time you operate a business that is your own.

More information

24/7 service. You could save15% or more on car insurance. Mamá always said: Find someone to take care of you. She d love GEICO.

24/7 service. You could save15% or more on car insurance. Mamá always said: Find someone to take care of you. She d love GEICO. OE_GEICO 5/18/05 10:15 PM Page 1 One GEICO Plaza Washington, DC 20076-001 Mamá always said: Find someone to take care of you. PRSRT STD U.S. POSTAGE PAID She d love GEICO. TE-32 c 2005 GEICO 24/7 service

More information

History of 401(k) Plans. What makes a 401(k) different?

History of 401(k) Plans. What makes a 401(k) different? History of 401(k) Plans In 1978, Congress decided that Americans needed a bit of encouragement to save more money for retirement. They thought that if they gave people a way to save for retirement while

More information

Aetna Federal Plans. Employee Health Care Options video transcript. Get the health plan that gets you

Aetna Federal Plans. Employee Health Care Options video transcript. Get the health plan that gets you Get the health plan that gets you Voiceover: Thanks for joining us. We re glad that you ve decided to hear about the Aetna plans open to you. Over the next 20 minutes, we ll tell you about your medical,

More information

PERSONAL LOANS EASY AND AFFORDABLE. Product Information Brochure. Effective from 1 February 2016

PERSONAL LOANS EASY AND AFFORDABLE. Product Information Brochure. Effective from 1 February 2016 PERSONAL LOANS EASY AND AFFORDABLE Product Information Brochure Effective from 1 February 2016 1 2 This brochure provides information about our personal loan products and is intended to help you decide

More information

Colorado Society of Enrolled Agents

Colorado Society of Enrolled Agents Colorado Society of Enrolled Agents Volume 18 Issue 6 November / December, 2006 MEETINGS Everyone welcome - Members, spouses, friends, non-members, subscribers, IRS & CDOR personnel, and any other interested

More information

FIRST TIME HOME BUYERS GUIDE

FIRST TIME HOME BUYERS GUIDE 20 1 7 FIRST TIME HOME BUYERS GUIDE VIPMTGINC.COM Mark Shaw SVP, Wholesale Manager Phone: 480-500-2825 Mobile: 602-418-2213 marks@vipmtginc.com vipmtginc.com NMLS ID 166607 9221 E Via de Ventura Scottsdale,

More information

Ocean Lakes Wave. Summer is in full swing! PARTY IN THE PARK NATIONAL NIGHT OUT

Ocean Lakes Wave. Summer is in full swing! PARTY IN THE PARK NATIONAL NIGHT OUT D A T E S T O R E M E M E M B E R : A C C M E E T I N G S : 1 S T & 3 R D W E D N E S D A Y O F E A C H M O N T H B O D M E E T I N G S : L A S T W E D N E S D A Y O F E A C H M O N T H J U L Y 1 9 N E

More information

DSD Insurance Newsletter

DSD Insurance Newsletter Page 1 of 5 INDEPENDENT DISTRIBUTOR NEWS YOU CAN USE 3 Easy Ways To Reduce The Risk of a Car Crash Spring is right around the corner, and the warmer weather often prompts people in Alabama and around the

More information

IT S SO EASY TO SWITCH

IT S SO EASY TO SWITCH IT S SO EASY TO SWITCH Regions Bank Switch Kit When was the last time you heard someone say, I love my bank!? You might be tempted to utter those words once you switch to Regions Bank. That s because Regions

More information

An Overview of Recordkeeping for Sole Proprietors

An Overview of Recordkeeping for Sole Proprietors An Overview of Recordkeeping for Sole Proprietors (and a companion spreadsheet for tracking income & expenses) Here's a guide to help you track your business income and expenses. It is designed to help

More information

T H E C L U B R E P O R T E R

T H E C L U B R E P O R T E R G M R E T I R E E C L U B T H E C L U B R E P O R T E R A P R I L 3, 2 0 1 3 I N S I D E T H I S I S S U E : E D I T O R S W E L C O M E P R E S I D E N T S M E S S A G E 1 1-4 5 0 / 5 0 D R A W I N G

More information

Episode 116: Budgeting Basics

Episode 116: Budgeting Basics Episode 116: Budgeting Basics Episode 116 Synopsis: BIZ KID$ The Biz Kid$ learn the first rule of money management: you can t manage what you don t know. Join the kids and you ll look at spending and expenses

More information

a Meadowmont Property Owners Association 2014 Spring - Summer Newsletter

a Meadowmont Property Owners Association 2014 Spring - Summer Newsletter Meadowmont Property Owners Association Tel/Fax: 209-795-1973 P.O. Box 213, Arnold, CA 95223-0213 www.meadowmont.us E-mail: manager@meadowmont.us 2014 Spring - Summer Newsletter 2013-2014 MPOA Board of

More information

Canada Report. The Future of Retirement Healthy new beginnings

Canada Report. The Future of Retirement Healthy new beginnings The Future of Retirement Healthy new beginnings Canada Report Foreword The possibilities Key findings The doubts Overview The research Healthy living Practical steps Foreword Retirement can be an opportunity

More information

Personal Papers and Legal Documents

Personal Papers and Legal Documents Page 1 of 5 Personal Papers and Legal Documents Being able to quickly find your important will help your spouse, children, or executor in the event you become incapacitated or pass away. It will also help

More information

Your guide to saving for retirement The Trust Guide

Your guide to saving for retirement The Trust Guide Your guide to saving for retirement The Trust Guide Saving for your future Aims of the Trustee Board It s important to consider your needs and goals for retirement as early as you can, so you have the

More information

Well Being, Well Done

Well Being, Well Done Well Being, Well Done A Project of the Sudden Money Institute Well Being: A profound state of being found at the intersection of Life and Money. You can have it before you have accumulated large amounts

More information

WEALTH GUIDANCE, INC. The 25 Documents You Need Before You Die. Health Investments Insurance Estate Important Documents

WEALTH GUIDANCE, INC. The 25 Documents You Need Before You Die. Health Investments Insurance Estate Important Documents WEALTH GUIDANCE, INC. The 25 Documents You Need Before You Die Health Investments Insurance Estate Important Documents HEALTH Item 1.a. Prescription Drugs List Enclosed is a form for listing prescription

More information