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The 4 easiest ways to budget: which helps you most?

first_img 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr by: Paula PantBudgeting strikes fear (or annoyance, or disgust) into the hearts of many people, because we tend to see budgeting as something that is tedious, is complicated and keeps us from having any form. But budgeting doesn’t have to be a dirty word. Here are four ways to make budgeting as easy and painless as possible.1. Automate ItTo make room for savings in your budget, pay yourself first. Set up automatic deductions from your checking to your savings account each pay period so you’re not tempted to spend money you’ve earmarked for your emergency fund or retirement goals.To avoid late fees and having to keep track of numerous due dates, set up automatic payments for as many bills as you can. The amount due will be deducted straight from your bank account when it’s due, and you won’t need to worry about mailing anything out by a certain date.Remove the potential for human error as much as possible, and you’ll find budgeting is already a lot easier. continue reading »last_img read more

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Cybersecurity and the board

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Although the board may delegate operational functions to management and designated committees, the responsibility for the credit union’s direction remains with the board.These responsibilities include overseeing the development, implementation, and maintenance of the credit union’s information security/cybersecurity program. With the ever-increasing array of malicious cyber events—phishing attacks, spyware, viruses, worms, ransomware, and distributed denial of service attacks to name a few—the board’s ongoing involvement in the credit union’s cybersecurity program is more important than ever.As the Federal Financial Institutions Examination Council (FFIEC) notes, “today’s financial institutions are critically dependent on IT [information technology] to conduct business operations. This dependence, coupled with increasing sector interconnectedness and rapidly evolving cyberthreats, reinforces the need for engagement by the board of directors and senior management.” continue reading »last_img read more

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Raymond G. Hemke

first_imgThose surviving who will cherish Raymond’s memory include his sister, Mary Ann Disch of Richmond; nephew, Tom (Cris) Riehle of Harrison; niece, Janie (Dr. Robert) Fleming of Richmond; great-nephews, Adam Riehle of New Trenton and Benjamin (Casey) Fleming of Richmond; great-nieces, Emily (Kyle) Oehler of Bright and Ryann Fleming of Richmond, and one great, great-nephew, Maverick Fleming.  He is also survived by many other relatives and friends.   Besides his parents, he was preceded in death by two brothers-in-law, Herbert Riehle and John Disch. Memorial contributions can be directed to the New Alsace American Legion or to a Charity of Choice.  To sign the online guestbook or to leave a personal condolence, please visit www.cookrosenberger.com.  The staff of Cook Rosenberger Funeral Home is honored to care for the family of Raymond Hemke. Raymond G. Hemke, of Weisburg, was born on September 25, 1922 in Weisburg, the son of Arthur and Elizabeth Hartman Hemke.  He was a sergeant in the United States Army, serving in the Asiatic-Pacific Theater, and earned 3 bronze stars.  Upon his return from service, he enrolled and later graduated from the College of Applied Sciences in Cincinnati.  He then worked as a printer for the Herald Tribune and the Lawrenceburg Register.  Raymond was the founder and a 70 plus year member of the North Dearborn American Legion-New Alsace Post #452, as well as a life-long member of All-Saints, New Alsace Campus (formerly St. Paul’s).  He enjoyed traveling the world, photography, and spending time with his family and friends.  On Sunday, November 5, 2017, at the age of 95, Raymond passed away at The Springs of Richmond after a brief illness.center_img Friends may visit with the family on Saturday, November 11, 2017 from 10 a.m. until 12 noon at All Saints Parish, New Alsace.  Father Johnathan Meyer will officiate a Mass of Christian burial at 12:30 and burial will follow in the church cemetery with full military honors provided by the American Legion – New Alsace Post #452.last_img read more

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Guyanese woman, daughter murdered in Suriname

first_imgA Guyanese woman and her 10-year-old daughter were on Tuesday last found dead in their apartment in Nieuw Amsterdam, a village in District Commewijne, Suriname.The duo hailed from Sparta Village, Essequibo Coast, Guyana. Dead are 37-year-old Leelawattie Sookhoo and her daughter, Tisha Ahiram. According to reports, the discovery was made on May 24 after Police in Suriname received a report that the woman’s boyfriend who was supposed to be at work did not show up.When the Police arrived at the house to check for the man, they found that the front door of the building was locked with a padlock and thought that something was amiss.They subsequently broke the padlock and entered only to find the woman lying on the ground with a cord around her neck, while the child was on the bed in a semi nude state.Surinamese law enforcement officers have launched an investigation into the double homicide.The house in which the mother and daughter were found deadGuyana Times understands that the area where the woman lived with her children is known as a fishing area where many Guyanese reside. Nandranie Ahiram, a former mother-in-law of the dead woman, told Guyana Times that they received the dreadful news on Tuesday morning.She noted that the now dead woman was married to her son, but they separated a few years ago after she befriended the man she lived with up to the time of her demise.The former mother-in-law added that the mother of five returned to Guyana last December with her daughter, but despite the fact that one of her four sons begged her to reconcile the relationship with his father, she refused. She went back in January with her daughter, but her four sons remained with their father. She has no other relatives in Suriname, the former mother-in-law related.She noted that her son was devastated by the death of his 10-year-old daughter. Arrangements are being made for a member of the family to travel to Suriname to attend the funeral. (Bhisham Mohamed)last_img read more