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National Retirement Security Week: Helping our members save for retirement

first_img 27SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Lacey Yasick Lacey is the Communications Manager for the National Credit Union Foundation. She works to develop and execute all communication efforts that support the Foundation’s national programs and engagement strategy.Lacey … Web: www.ncuf.coop Details Did you know that almost half of all Americans have no retirement savings at all? This is an alarmingly high amount of people who have not been able to plan for their future. This week is National Retirement Security Week, designated to helping people put themselves in control of their future finances. This important week sheds light on the problems American’s have in saving for retirement, and actions that can be taken to increase that statistic. One-third of the American population has an income of $28,000 or less, which makes it extremely difficult to save for retirement. With all the monthly expenses that people have such as rent/mortgage, groceries, and utilities, the one thing they can put off is retirement savings. One effective way to help credit union staff, members and those in your communities understand what life might be like after retirement is through the Foundation’s “Retire on Track” Retirement Fair program. This is a goal-oriented and interactive experience, similar to Reality Fairs for teens, that allows participants to imagine their life in the future to better focus on a present plan to get there. This program is designed to help members at all stages of their life, no matter what their current retirement savings situation may be. The fair encourages participants to think about the lifestyle they wish to maintain in retirement, and develop savings goals to help them where they want to be. These fairs can be conducted at your credit union, or can be done in your community through partnerships with local organizations. It is a powerful exercise that helps individuals at to understand where their finances should be upon retirement.The good news is, many people believe they will never have enough saved for retirement but they may be wrong. “Most retirement planners tell people they will need to save 80% of what they are earning before retirement,” said Mark Lynch, Senior Program Manager at the Foundation. “In reality, the average person only needs to save about 50%-60% of their income.”The reason for this lower percentage is the expenses that individuals are paying before they retire may no longer exist in retirement. For example, many people have their houses paid off, and they save costs associated with work such as gas, eating out for lunch, and wardrobe. One of the biggest reasons is actually saving for retirement itself! In the last few years working, many people cram to save 20% of their income for retirement. Another large reason is taxation, individuals who are in retirement pay a lot less in taxes.This information tells us that the real power of the Retirement Fair is that it helps people work out what their percentage is, depending on their circumstances. It helps credit union members, staff and others to get a really good picture of what they plan to do in retirement, and work back from there to see how much they need to save. While Retirement Fairs are a great tool for helping your members save for retirement, there are other ways to help members to save. A great example of one credit union who is doing great work to help people with retirement savings is Sunmark Federal Credit Union in New York. Sunmark FCU hosts “Speed Savings” events, where members and non-members can sign up in advance to attend the event. Set up like speed-dating, attendees visit different booths and learn about lending, insurance, mortgage and savings (including retirement) with Sunmark FCU. This is an experience designed to help those in attendance who may do their banking somewhere else to see how much the credit union can save them. If they have a positive experience, they can make an appointment to come back and talk with someone, especially with a retirement planner.So, if a non-member learns that the credit union could refinance their auto-loan and mortgage, saving them $150 per month, that is $150 that person could put towards retirement savings. This is a great way to help those who may not be saving enough for retirement, or saving any at all because of their monthly expenses. NARPP’s National Retirement Security Week has many resources to help you reach members of all ages in saving for retirement. Click here to see some of those resources.  If you are interested in learning more about Retirement Fairs, you can watch this short video highlighting a fair and the impact it had on participants. You can also visit the Foundation’s website ncuf.coop to see how to download your own “Retire on Track” Guide and Materials. Together, we can work towards improving financial security for everyone. last_img read more

ISP investigating inmate death

first_imgRushville, In. — Indiana State Police are investigating the death of an inmate in Rush County.The report says Shane Michael Koors, 30, was arrested for an active warrant in Franklin County and transported to the Rush County Jail early Friday morning.When Koors arrived at the jail he began to suffer a medical incident. Koors was immediately transported to Rush Memorial Hospital where he later died.Investigators are waiting for the results of toxicology tests.last_img

Capello heavily tipped to replace sacked AVB at Tottenham

first_imgThe blood of Tottenham’s beleaguered players had barely dried on the White Hart Lane turf after their heavy 5-0 defeat to Liverpool when the club announced the departure of manager Andre Villas-Boas by mutual consent.With just 16 Premier League games in the books this season, the former Chelsea boss became the fifth top-flight manager to find himself out of a job. Tottenham sit in seventh place in the table, five points away from the much-coveted golden Champions League ticket.Ladbrokes have opened the book on who will replace the best dressed manager in the division, with bespectacled Russia boss Fabio Capello priced up as the 5/2 favourite.It seems the former England manager is a popular choice with Ladbrokes customers though as the company reveal they received money for the Italian to take over in north London even before AVB’s sacking, cutting his odds from 7/2 accordingly.Alex Donohue of Ladbrokes said: “We saw money for Capello to take over before AVB had officially gone, and the gamble on the former England manager has accelerated now that the sacking has been confirmed. Some punters seem to think Jurgen Klinsmann will be making a return to the Lane instead however.”Klinsmann, the former Tottenham forward, is a 10/1 shot to make the White Hart Lane dugout his home but, like Capello with Russia, is just months away from managing the USA at the World Cup and may feel the Tottenham opening has come too soon. Tottenham’s current Technical Co-ordinator and former skipper, Tim Sherwood, is the joint-second favourite with Swansea boss Michael Laudrup at 6/1, while Glen Hoddle who’s yet to demand any money according to Ladbrokes, is 10/1 to make a return to his former club.Following their second heavy defeat to a top four rival, Spurs are now 80/1 to win the Premier League title while qualifying for next season’s Champions League is given a price of 7/2.Next Tottenham managerFabio Capello 5/2Tim Sherwood 6/1Michael Laudrup 6/1Guus Hiddink 8/1Glen Hoddle 10/1Jurgen Klinsmann 10/1Frank de Boer 14/1Luis Enrique 16/120/1 barTottenham to win the Premier League 80/1Tottenham to finish in the top 4 7/2last_img read more