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<p><strong>Access up to $30,000 &#8211; </strong>12 months repayment</p>



<p>Laptops, devices, books, uniforms, extracurricular activities, transport and tuition. Cover Pre, Primary, Secondary &amp; Tertiary level education expenses for the next year with a <strong>B.t.S</strong> loan from BECU.</p>



<p><strong>Special Conditions</strong></p>



<ul><li>Must be a member to access loan</li><li>All required documentation and lending criteria apply.</li><li>Offer valid until September 16<sup>th</sup>.</li></ul>



<p><strong>CALL 622-4035 | Email <a href="mailto:memberexperience@becuonline.com">memberexperience@becuonline.com</a></strong></p>



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BECU Back to School Loan – B.t.S


<p>Time to be Inspired again! We welcome you, your kids and entire family to our next Money Management session. Get up to date guidance on navigating the current economic landscape and <strong>insights on saving, budgeting, investing and SCAM.</strong></p>



<p>Registration closes on July 22<sup>nd</sup> &#8211; Sign-up today to book your spot. Register you children as well so they can benefit and start living a more financially literate lifestyle.</p>



<p><strong>Open to Non-members. Open to all ages.</strong></p>



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Inspired Webinar Series – Money Management


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<p>Are your ready for the Stay-cations – Family Trips – Getaways – New Experiences? Apply today to get the fun started this vacation.</p>



<p>New members can have access to loan immediately (No waiting period – special conditions apply)</p>



<p>All required documentation and lending criteria apply.</p>



<p><strong>CALL 622-4035  |  Email <a href="mailto:memberexperience@becuonline.com">memberexperience@becuonline.com</a> </strong></p>



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Make-cation Loan 2022


<p><strong>The Annual BECU S.E.A Awards </strong>is part of our commitment to youth and community development. It rewards the achievement of young members and aims to support their developmental journey, becoming their trusted partner for life. <strong>Congratulations to all children!</strong></p>



<p><strong><u>Awards</u></strong></p>



<ul><li><strong>Top Achiever – (1) Smart Tablet (+the following prizes):</strong></li><li>All children:<ul><li><strong>Youth Builder Account</strong> Startup &#8211; $250</li></ul><ul><li>Uniform Booklist voucher &#8211; $750</li></ul><ul><li>FREE access to development programs.</li></ul><ul><li>Access to loans for child related expenses.</li></ul></li></ul>



<p><strong><u>Registration</u></strong></p>



<ul><li><strong>Deadline for registration – June 30<sup>th</sup> 2022</strong></li><li>Sign-up online, email, or drop-off completed application form &amp; copy of S.E.A slip.</li></ul>



<p><strong><u>Eligibility/ Conditions:</u></strong></p>



<p>Youth Members (BECU).</p>



<p>Children of BECU Members (Child must become member to register)</p>



<p>Successful in SEA exam in 2022.</p>



<p>Copy of SEA registration slip required.</p>



<p>Copy of placement slip must be provided.</p>



<p>All vouchers subject to proof of purchase documentation (booklists, official school pricelists etc.)</p>



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B.E.C.U S.E.A AWARDS 2022


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<p>Upgrade Dad’s life with the Best Gift Ever. That special trip, investment for retirement or cover his home or vehicle repairs.</p>



<p>Borrow up to $30,000 at 1% interest, up to 24-months repayment.</p>



<p>Dedicated to Dearest Dad!</p>



<p id="block-666927a8-4f68-4d63-b323-8d9808ca2725"><strong><u>Must Be a Be Member.</u></strong> All required lending criteria apply. Valid June 6<sup>th</sup> – June 30<sup>th</sup></p>



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Tribute Loan for Dad


<p>If seeing your child succeed in life isn’t enough encouragement, saving for his or her future also provides the opportunity to build generational wealth for your family for years to come. And while saving may be easier for some more than others, there are both small and larger adjustments that you can make to add to your financial foundation and brick by brick, build the wall of protection your family needs to face life’s hurdles.</p>



<p>&nbsp;Now that we have that out of the way, here are a few easy ways that you can build a habit of saving towards your child’s future within your household:</p>



<ol style="line-height:1.5"><li>Find out more about Child Savings Accounts (such as BECU’s&nbsp;<a href="https://becuonline.com/savings/#youth-builder" target="_blank" rel="noreferrer noopener">Youth Builder Account</a>), that is geared towards children between the ages of one (1) to seventeen (17) years old. Accounts such as these can be used to foster a habit of saving for your child at a young age, help to educate them on financial literacy and provide a starting point at which they can manage their funds independently from their eighteenth (18th) birthday.&nbsp;</li><li>Invest in a variety of high-earning facilities and business ideas to help build a healthy financial/asset portfolio. Whether you choose to Will your assets to your child/children before your passing or choose to sign them over an appropriate time, the choice of when this happens is yours. Learn more about the opportunities that exist when you speak to&nbsp;a FREE* BECU Financial Advisor today!</li><li>Track your spending. If you don’t have a lot of cash to set aside every month toward your or your child’s investment accounts, try paying closer attention to your spending habits to discover how you can better manage your funds and redirect any misspent finances towards your child’s future.&nbsp;</li><li>Teach your child about saving. When starting children off at a young age, having a “piggy bank” or a “cash pan” might be the simplest way of instilling a habit of saving towards the future. Is there a doll or toy truck they would like to get? Work with them to save a portion of their daily/weekly allowance to achieve their goal of purchasing the desired item. This way, they learn a valuable lesson and attain their heart’s desires all at once.</li></ol>



<p>&nbsp;Thank us later; we’re sure you’d find one, some or even all of these tips helpful in your journey to create generational wealth and creating a solid foundation on which your little ones can stand.</p>



<p>To learn more about saving toward your child’s future, our products and services or to become a member, contact us at 622-4035 or email us at&nbsp;<a href="http://mailto:sertvice@becuonline.com/" target="_blank" rel="noreferrer noopener">service@becuonline.com</a>&nbsp;today!</p>


The Importance of Saving For Your Children

AGM 2022 Notice


<p id="block-8deedefe-c550-4afb-b9e9-717d91611e96"><br>Celebrate Mom with a well-deserved getaway, a special gift or finances this Mother&#8217;s Day!</p>



<p id="block-e8a33c5c-3b4e-4248-aa15-72dd9769a7ad">Borrow up to $30,000 at 1% interest, up to 24-months repayment and pay Tribute to Mom.</p>



<p id="block-97b5b2e1-4103-497e-940e-d94407f29207">Make Mom’s May Magnificent!</p>



<p id="block-666927a8-4f68-4d63-b323-8d9808ca2725"><strong><u>Must Be a Be Member.</u></strong> All required lending criteria apply. Valid May 5<sup>th</sup> – June 30<sup>th</sup></p>



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Tribute Loan for Mom


<p>Are you interested in a role to enhance community, youth and nation; while providing service, support and strategic representation to fellow BECU members?</p>



<p>Nominations are open to BECU members to serve on the Board of Directors, Credit &amp; Supervisory Committees. <strong>Deadline: April 20<sup>th</sup> 2022.</strong></p>



<p>Elections of officers take place at BECU’s upcoming AGM.</p>



<p><strong>Click button below for Nomination Guide and Application process.</strong></p>



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We Need YOU! BECU AGM Nominations

We’ve updated our phone numbers

Stay Connected and follow us on Instagram


<p>Gain the insights and be part of the conversation in the <strong>Inspired Webinar Series.</strong> Our next edition focuses on <strong><em><u>Home Ownership</u></em></strong>.</p>



<p>Whether you’re house hunting for the first time or thinking about upgrading your current abode &#8211; Join us for this FREE session via ZOOM on Tuesday March 8<sup>th</sup> from 5:45pm.</p>



<p>Click the image or the Register button to book your spot today.</p>



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Inspired Webinar Series – Home Ownership

A NEW BECU FOR YOU IN 2022


<p>As a new or more experienced entrepreneur, running a business can sometimes mean that you act as the C.E.O, Managing Director, Purchasing Officer, Accountant and Salesman/woman at&nbsp; the same time. It requires you have effective management skills and sometimes encompasses 80 hr+ work weeks to ensure that all aspects of your business are functioning optimally.</p>



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<p>As finances play a huge part in nearly every aspect of a business and heavily influences its success, today’s blog post will explore five (5) key financial tips that can help you manage your money.</p>



<ol><li><strong>Create a budget and track your cash flow</strong>: By now, you may have realised that budgeting has been a consistent component in our Money Management Series, in addition to the various other financial tips we provide on our platforms. That’s because budgeting allows you to track your income and expenses, help you differentiate your needs from your wants and prevents your business from running into debt and falling victim to unwanted penalties. Additionally, in your budgeting, adequate accommodations for savings can allow your business to withstand unexpected surprises such as the amplified example of the COVID-19 pandemic.&nbsp; When it comes to saving, it is always a good idea to accumulate between three to six months operational expenses in the event that your incoming revenue is affected.&nbsp;</li><li><strong>Reinvest</strong>: A key ingredient to having a growing business is your reinvestment into it. While you and/or staff deserve to enjoy and celebrate the fruits of your labour, reinvesting the gains of your business into marketing, technological advancements and investments into industry professionals that can help your business progress and increase the return on this investment, can help you to prepare your business for the future and help you achieve your long-term goals.</li><li><strong>Consider Getting Insurance</strong>: As a business owner with or without employees, ensuring that you and your business are covered in the event of the unthinkable. For example, if you fall ill or become disabled, your business falls victim to a natural disaster or “act of God” or you are forced to close your doors and you need to ensure that your liabilities are covered, insurance can provide the peace of mind that you need by ensuring that your needs and expenses are covered.</li><li><strong>Do Research on Regulations</strong>: In operating a business, whatever the industry, there are sometimes key regulations as it relates to your operations, which includes but is not limited to business taxes.&nbsp;&nbsp;</li><li><strong>Seek Assistance When Needed</strong>: In your quest to successfully operate a business and to reach the goals you set out to achieve professionally,&nbsp; you will quickly discover that there are a number of areas you need to be knowledgeable of and a number of skills that you should possess, one of which is financial management. While one business owner may be efficient in crunching the numbers and ensuring that the books are balanced, others may need assistance through a licensed financial professional. As a new entrepreneur, hiring an Account may not be a possibility in the beginning stages, therefore, working with a Financial Advisor such as those available to you at BECU, completing a Financial Literacy or money management programme can help in ensuring that you don’t mismanage your finances, generate unnecessary and harmful debt and contribute toward the demise of your business dreams.</li></ol>



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<p>For further insight into how you can effectively manage your finances and achieve your heart&#8217;s ambitions for your business, speak to one of our knowledgeable and experienced Financial Advisors today! To make your first appointment, email us at <a href="mailto:service@becuonline.com">service@becuonline.com</a>, call us at 622-4035 or WhatsApp us at 394-1615 Monday- Friday between the hours of 8:00am -2:00pm daily.</p>


FINANCIAL TIPS FOR ENTREPRENEURS


<p>As a young adult, &#8220;getting your finances in order&#8221; is one of the most important and necessary things you should accomplish, if you are to achieve your goals and build the life you dream of having in the future. So whether you are desirous of owning your own home, being able to vacation to some of the more exotic destinations in the world, you simply want to &#8220;live comfortably&#8221; or all of the above, becoming financially responsible is key to seeing these dreams and any other become a reality.</p>



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<p>As we continue to navigate through the uncertainties that come with the pandemic that is COVID-19, for many, financial responsibility can be the difference between staying afloat and sinking into the sea of lack and debt, at a time where food prices (among other things) are constantly increasing and income is not as easy to come by for many. In addition, being financially responsible now, allows you and your dependents (present or future) to be protected from turbulent circumstances. Here are a few ways that you can consider in your quest to become financially responsible:</p>



<ol><li><strong><em>Budgeting: </em></strong>Regardless of your monthly income, no amount is too little to budget. After you have received your weekly, fortnightly or monthly income, do the needful and jot down all expenses that are absolutely necessary. For example, rent, utilities such as lights, water and internet services, loans/ debt repayment, food, transportation expenses and so on. Leisurely expenses such as eating out and the cost of your daily coffee runs are secondary to your monthly necessities.</li><li><strong><em>Save</em></strong>: In creating your budget, we understand that your priorities may change from month to month and that unforeseen challenges may arise. To ensure that you give yourself a better chance for survival and that you are better prepared for the unexpected, do remember to assign a portion of your income to your savings account and/or to your &#8220;rainy day emergency fund&#8221;.</li><li><strong><em>Pay bills on time</em></strong>: We think it&#8217;s safe to say that no one likes paying late fees, paying your bills on time can help you avoid any overdue charges on your account and can help you to save in the long run.&nbsp;</li><li><strong><em>Ensure that you are getting the most value for your money</em></strong>: You’ve worked hard for your money and deserve to get the best possible value for it! So, before making any purchase, it is a good idea to shop around for the best deal on your &#8220;investment&#8221;.&nbsp;</li><li><strong><em>Learn more about money management techniques</em></strong>: Money management is not a one-size-fits-all thing, what may work for someone else, may not be ideal for you. By learning different ways in which you can manage your finances (of course with your individual financial goals in mind), you stand a better chance of achieving your goals, without added discomfort and uncertainty.&nbsp;</li></ol>



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<p>At the Bank Employees’ Credit Union (BECU), we pride ourselves in educating our audience on viable ways of managing their personal finances, which in the future, will allow for an excellent quality of life. Follow us on Facebook, Instagram or LinkedIn to learn more and to find out about this year’s <strong><em>Inspired Web Series in collaboration with the National Financial Literacy Programme</em></strong>. This web series will feature a number of industry professionals and will focus on strategic approaches to money management.</p>



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<p>Connect with us! Call us at 1-868-622-4035, WhatsApp us at 1-868- 394-1615, or email us at <a href="mailto:service@becuonline.com">service@becuonline.com</a> today!</p>
