It’s really easy to feel overwhelmed or bogged down by that stormy cloud that hangs over one’s head when it comes to personal finances. Most of us are not accountants, and don’t have dreams of spread sheets and flying numbers, to most of us, that sounds like a nightmare. November is financial literacy month, and…
5 Easy Ways Young Adults Can Start a Side Hustle
Everybody dreams of starting their own business and being financially independent. This is a fantastic goal that the Encompass Credit Union team is happy to help with, but there’s no better way to make your dream a reality than starting early. If you’re a young adult looking to be your own boss, here are just…
Encompass accepting community grant applications for 2020
Encompass Credit Union is currently taking applications for its Community Social Responsibility Investment Program until the end of November. The annual community grant funding allows for up to a maximum $10,000 grant for a capital project in 2020. The program was designed for larger requests that would fall outside of the usual requests from minor…
A local success story, Jay and Sam Robinson
For Jay and Sam Robinson, the local Credit Union helped them realize their dream. Over twenty-five years ago, Jay and Sam wanted to start their own business, but major financial institutions were not interested in funding them. The local Wainwright Credit Union, now Encompass Credit Union, took a chance on the entrepreneurs, and lent them…
How we can work together
Cyber defence is a team sport. Government, industry, academia, and civil society must all work together to strengthen Canada’s cyber security. Canadian cyber systems, inside and outside of government, hold valuable information that is critical to our health, our economy, and our security. Those systems are targeted by threat actors. We need to work together…
Holiday and Christmas loans, are they a good idea?
Obviously no one should try and take on debt that they cannot afford, and no one should put themselves into a hole they cannot dig themselves out of, based on their income or lifestyle. But there are times where a short-term personal loan, or a revolving line of credit is a perfect choice for upcoming…
How to protect your small business
If you’re like most small or medium businesses in Canada, the Internet is an indispensable tool to succeed in today’s digital economy. Getting online allows you to reach new customers and grow your business. And even if you don’t have a website — or a social media account — you probably depend on the Internet…
Why Does My Mutual Fund Have ETFs in it?
The line between Mutual Funds and Exchange Traded Funds (ETFs) has been blurred the past couple of years. You will now see mutual funds incorporating ETFs in order to gain exposure to a certain sector, country, or style without having to setup a new research department and hire a portfolio manager to make the decisions….
How to protect yourself online
A common misconception when it comes to cyber security is that you have to be an expert with an array of sophisticated tools at your disposal in order to protect yourself from cyber threats. The reality is that everyone is capable of adopting simple behaviours that can protect them from the most common cyber threats….
How to Prepare for Your Warm-Weather Winter Retreat
Everybody knows that Canadian winters are a brutal experience, and that’s why thousands of Canadians hang up their parkas every year to enjoy sunny locales abroad. If that sounds like you, here are just a few of the ways you can properly prepare for your winter getaway. Book Your Flight and Destinations Early You can…
