Volume 37, No. 10 October 2014 P r e s i d e n t / C E O : Melanie P. Stillwell Monthly publication from Western Cooperative Credit Union Williston: Main Office 1300 Bison Drive PO Box 2237 Williston, ND 58802 701-572-4000 1-800-584-9220 Williston: Branch Offices 215 Washington Ave. 701-572-4000 Dickinson: Branch Offices 290 15th St. W. & 721 State Ave. Dickinson, ND 58601 701-227-0188 1-800-733-9228 Hebron: Branch Office International Credit Union Day: October 16, 2014 Local Service. Global Good. Doing good is something credit unions take seriously, locally and globally. This cooperative spirit of people helping people has led to life-changing opportunities in the form of small business start-ups, home ownership and education. On October 16, credit unions around the world will unite behind the message of “Local Service. Global Good.™” for International Credit Union (ICU) Day. Share in this powerful credit union vision and celebrate with more than 200 million people worldwide to establish credit unions as our best financial partner. 701 Main Street PO Box 504 Hebron, ND 58638 701-878-4063 Beach: Branch Office 60 2nd St. NE PO Box 366 Beach, ND 58621 701-872-2228 Glen Ullin: Branch Office 414 E. South Ave. Glen Ullin, ND 58631 701-348-3832 Ray: Branch Office 10 Main St. PO Box 158 Ray, ND 58849 701-568-3663 iTalk—Interactive Voice Response Williston: 701-572-4400 Dickinson: 701-483-9228 Toll Free: 1-800-588-0106 Website & NetTeller www.wccu.org WCCU Mobile App Download the mobile app and connect to your NetTeller today through your Google Play Store or Apple App Store on your Smart Phone! WCCU ATM Locations: Williston: Main Branch, Downtown, & Law Enforcement Center entrance. Dickinson: North Branch Drive-Up & State Ave. Drive-up Ray Cenex Convenience Store Cooperative Insurance Agency, LLC 1300 Bison Drive PO Box 940 Williston, ND 58802 701-572-3292 WCCU Insurance Agency, LLC 290 15th St. W. Dickinson, ND 58601 701-483-0207 or 701-290-7302 Krabseth Agency 213 Washington Ave. PO Box 909 Williston, ND 58802 701-577-2210 T he p ro d u c t s an d s e r v i c es o f f e r e d b y Co o pe r at i v e I n s u ra n ce Ag e n c y, L L C a n d W C CU I n s u ra n ce Ag e n c y, L L C a re not f e d e ra l l y in s u r e d ; a r e no t o b l ig at io n s of W C C U; a r e n ot g u a ra nt e e d b y W C C U o r a f f i l iat e d en t it i e s; i n v o l v e in v e st m en t r is k s, i n c l u d i ng t he po ss i b l e lo ss o f p r in c i p a l. Financial Discussions Between Adult Children and Aging Parents Many aging parents hesitate to share vital information about financial affairs with their children. However, when aging parents become unable to make decisions, care for themselves, or die, adult children who are uninformed about their parents' possessions or desires will be ill-prepared to act on their parents' behalf. Initiate the discussion before a parent's physical or mental condition creates a crisis. If parents initiate the discussion, they should reassure the adult child that they are planning ahead rather than responding to a particular medical condition. When adult children initiate the conversation, they might open by discussing friends who have faced difficulties when their aging parents failed to plan ahead. Early conversations may focus on estate planning, while later conversations can provide details about insurance or investments. Who will serve as executor of the will or authorized representative for a medical power of attorney? Is there a list of all advisers--accountants, attorneys, and investment counselors? Where are important documents, including property deeds? Have the parents prepared a living will and medical power of attorney? The living will provides instructions to medical personnel if the parent is unable to make decisions about life support, while the medical power of attorney authorizes a family member or representative to make medical decisions on the parents' behalf. Make sure there's a will, covering all possessions intended for a specific recipient, and a letter of last instructions, which expresses personal wishes such as directions for the funeral service. Store the letter in an accessible location. Finally, periodically review all financial plans and documents. Copyright 2014 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved. Congratulations to the October “Star Student” Recipients Macy Mack and Maycie Brunelle! Western Cooperative Credit Union’s Miracle Jeans Day Success “I put my money where the Miracles are!” The Ray branch employees show off their t-shirts! Western Cooperative Credit Union is excited to announce the success of Miracle Jeans Day! The employees and members from all branches donated a total of $1,714.03! All donations went to the Children’s Miracle Network Hospital of North Dakota, Sanford Health in Fargo, North Dakota. Employees were allowed to wear jeans for $5.00 and could purchase a t-shirt to wear for $25.00. F Y I ’s Pumpkin Festival– Beach ND: October 5. Celebrate fall in Beach at the Pumpkin Festival! Head over to Gazebo Park from 12:00 PM to 5:00 PM for kids’ games, zucchini derby, large/small vegetable contest, pumpkin cooking, and the Tour de Pumpkin race! Don’t miss this fun-for-all event! C o - o p B re a k f a st - R a y ND : O c to b e r 7 In ho no r o f Co - o p mo nt h, t he ci t y o f Ra y i s ho st i n g it s a n n u a l Co - o p B r ea k fa st o n T u esd a y, O cto b er 7 t h fr o m 7 :0 0 AM to 1 0 :0 0 AM at t he R a y Go l f Co ur s e. J o i n o u r R a y B r a nc h e mp lo ye e s a nd o t her co o p er at i ve s i n cel eb r a ti n g o ur me mb er s a nd o ur co m mu n i t y! P e eW ee H a l lo w e e n Sp o o k t a c u la r D i ck i n so n N D : Oc to b e r 3 1 . J o in us at o ur D ic k i n so n No r t h B r a nc h o n Oc to b er 3 1 s t fro m 2 : 0 0 P M to 5 :0 0 Macy Mack is a sophomore at Dickinson High School. She was on the ‘A’ Honor Roll as a freshman, along with having perfect attendance. She also has served on the DHS Student Council, pursued the Dickinson Police Dept. Youth Academy, and is a Dickinson Dollars for Scholars Volunteer! Maycie Brunelle is a junior at Trenton High School. She has been on the honor roll and served on the Student Council. She participated in the science fair, is known to get along well with her classmates, and actively ask questions in school. Way to go, WCCU! P M fo r o ur a n n u al P eeW ee H al lo we e n P ar t y! B r i n g t h e kid s fo r g a me s a n d tr ea t s i n a sa fe, fu n e n vi ro n me n t ! T r a il o f T r ea t s - W i l l i s to n , ND : O c to b e r 3 1 At t he Do wn t o wn W i ll i s to n B ra nc h , j o in u s fo r t h e a n n ua l T r ail o f T reat s ! C he c k t h e lo ca l ne ws p ap er fo r t he T r ail o f T rea t s ro ut e wi t h t he d o wn to wn co n s tr uc tio n, b u t b e s ur e to sto p b y 2 1 5 W a s h i n gto n Ave n ue fo r tr ea t s a nd Ha llo wee n s a fet y b a g s ! W h ea t , Wo m e n, a nd W in e - B e a c h ND : N o vem b e r 1 An o t he r wo nd er ful fa ll ev e nt i n B e ac h is W h ea t, W o me n , a nd W i ne o n No ve mb e r 1 fro m 1 2 :3 0 P M to 6 :0 0 P M. E ve n t i n cl ud es d e m o n str at io n s, ve nd o rs , a sp e a ker, wi n e ta st i n g, a nd a me al ! Macy Mack Maycie Brunelle If you know any potential Star Students, please visit your nearest W CCU Branch for a brochure, or print one off from our website: www.wccu.org