The Reporter

Happy New Year from all of us at GBU Life

Fri, 02 Jan 2026 14:29:16 GMT

We hope the holiday brought you moments of rest and joy for the year ahead, giving you time to recharge and look forward with renewed purpose.

Winter Traditions to Start with Your Kids

Thu, 18 Dec 2025 19:03:57 GMT

Updated on December 18, 2025, to reflect the latest information. This post was originally published on November 1, 2024.

Winter is a magical time filled with snowy landscapes and the warmth of togetherness. It’s the perfect season to start traditions that your kids will look forward to every year, creating memories that can be cherished for a lifetime. Here are some cozy, creative and fun ideas to start your family!

1. The Winter Book Countdown

Books can be a powerful tool to spark imagination and excitement. A winter book countdown is a way to celebrate the season with stories. Gather a mix of winter-themed books, holiday classics and family favorites, and wrap each one individually. Starting on the first day of December, let your kids pick one book to unwrap each night and read it together as a family. This countdown builds anticipation for the season and encourages nightly family bonding through stories. It’s also a chance to share tales from around the world and introduce your children to different holiday customs.

2. Winter Nature Walks and Treasure Hunts

Winter transforms the world outside into a frosty wonderland, and even a simple walk can turn into a magical adventure. Bundle up and go for a family walk, focusing on finding and observing nature in its winter state. Look for animal tracks in the snow, unique ice formations, pinecones and other seasonal treasures. To make it even more fun, create a winter treasure hunt list. Include items like “a red berry,” “an animal track” or “a snow-covered tree.” This tradition encourages kids to notice nature's beauty in winter and to enjoy the outdoors, no matter the temperature.

3. Family Craft Day

The shorter days and longer nights of winter create the perfect setting for cozy indoor crafts. Gather supplies like paper, markers, pinecones, glitter and glue, and set aside a day dedicated to making winter crafts together. Some ideas include snowflake ornaments, handprint wreaths, or pinecone bird feeders. You could even make holiday cards for friends and family. Displaying the crafts around the house brings an extra layer of warmth to your winter decor and gives kids a sense of pride in contributing to the holiday atmosphere.

Tip: consider using treasures you find on your nature walks for your crafts.

4. Family Story Night

Winter is a wonderful time to snuggle up for storytelling. Family story night can involve reading classic winter stories, sharing family memories or even letting kids come up with their own winter tales. Give each family member a turn to tell a story or share something they love about winter. You might even record these story nights to play back in future years—it’s a great way to preserve family memories and see how everyone’s interests change over time.

5. Year-End Gratitude Ritual

The close of the year offers an opportunity for reflection and gratitude. Create a simple family gratitude ritual by making a “thankful jar” or “gratitude tree.” Each week, have each family member write down one thing they’re thankful for and add it to the jar or tree. On New Year’s Eve or New Year’s Day, gather as a family and read through everyone’s notes. It’s a special way to close out the year, teaching kids to focus on the positive moments and appreciate all they have.

Starting winter traditions with your kids doesn’t have to be complicated. The key is to choose activities that you’ll enjoy as a family and that reflect what makes winter special to you. These traditions are more than just fun—they’re about building bonds and memories that will last a lifetime.

Affordable White Elephant Gift Ideas for Work

Wed, 03 Dec 2025 15:20:42 GMT

Updated on December 3, 2025, to reflect the latest information. This post was originally published on December 5, 2024.

Participating in a white elephant gift exchange at work can be a fun way to spread holiday cheer and bring some lighthearted fun to the office. But finding the perfect gift that’s affordable and clever can sometimes be a challenge. To help you shine at your next workplace white elephant party, here’s a list of creative gift ideas that cater to a range of interests and are sure to spark some laughter during the exchange.

1. Desk Accessories

Everyone needs a little flair on their desk! Consider quirky items like a miniature Zen Garden, a plant-shaped phone holder or a magnetic decision-maker that spins to answer those tough daily questions. These gifts are practical but also have a humorous edge, making them ideal for workplace exchanges.

2. Gourmet Snacks or Treats

Food gifts are always a hit, especially when they offer something unique or indulgent. Assemble a box of international snacks, holiday-themed popcorn or a mix of gourmet hot chocolate flavors. For a healthier twist, a fruit-infused water bottle paired with dried fruits or nuts can be a thoughtful and useful option.

3. Functional Office Gadgets

Elevate your coworkers’ productivity with interesting office gadgets. A USB cup warmer, a Bluetooth keyboard that doubles as a retro typewriter or an ergonomic mouse pad with a playful design can be great conversation starters while being genuinely useful.

4. Books for a Laugh

A humorous coffee table book or can resonate with many coworkers. Light-hearted options, such as bad dad jokes, a guide about pizza toppings or a coloring book for adults, can also provide some comic relief.

5. Small Appliances for the Breakroom

Compact and affordable kitchen gadgets like a popcorn popper or a mug warmer are universally appealing. These items add a little joy to break times and are often popular during white elephant gift exchanges. Just make sure appliances are permitted in your office!

6. Cozy Comforts

A pair of fuzzy socks, a soft throw blanket or a heated neck wrap can be a cozy and crowd-pleasing option. Add a touch of humor by selecting items in fun patterns.

7. Nostalgic and Retro Gifts

Bring a smile to your coworkers’ faces with a blast from the past. Consider a tabletop Pac-Man game, a Tamagotchi or a set of classic movies on DVD. These gifts are great for evoking warm memories and sparking conversations.

9. Beverage Accessories

Everyone appreciates something to spice up their coffee or tea routine. Insulated tumblers, novelty coffee mugs or unique tea infusers shaped like sloths or submarines are practical and universally loved.

10. Gift Cards with a Twist

When in doubt, a small gift card to a popular coffee shop, bookstore or grocery store can be a safe option. To keep it fun, hide the card in a creative vessel like a puzzle box or pair it with a small gag gift.

The key to a great white elephant gift is balancing humor with utility and keeping the tone appropriate for the workplace. Whether you go for something practical or downright silly, the goal is to spread joy and make your office’s holiday celebration unforgettable!

Thoughtful Thanksgiving Host Gifts

Wed, 26 Nov 2025 16:54:55 GMT

Here are 9 unique and meaningful ways to express your gratitude.

Updated on November 26, 2025, to reflect the latest information. This post was originally published on November 25, 2023.

Thanksgiving is a time of togetherness, gratitude and delicious feasts shared with loved ones. If you're attending a Thanksgiving gathering as a guest, it's customary to express your appreciation to the host with a thoughtful gift. While traditional offerings like a bouquet of flowers are always appreciated, check out these unique and meaningful alternatives that go the extra mile in conveying your thanks.

Homemade Treats

Nothing says "thank you" like a homemade treat. Consider baking a pie, a batch of cookies or preparing a jar of homemade jam. These delightful offerings not only showcase your culinary skills but also add a personal touch to the celebration.

Scented Candles or Diffusers

Enhance the ambiance of your host's home with scented candles or essential oil diffusers. Opt for warm and cozy scents like cinnamon, vanilla or pumpkin spice to create a welcoming atmosphere that complements the Thanksgiving spirit.

Gourmet Goodies Basket

Put together a basket of gourmet goodies such as artisanal chocolates, exotic nuts and high-quality cheeses. This thoughtful gesture provides the host with a variety of treats to enjoy after the Thanksgiving feast.

Tip: Don’t have time to make your own gift basket? Consider a gift basket with a variety of options such as candy, dried or fresh fruit, nuts, popcorn, cookies and more from a wholesaler like Costco Wholesale.

Customized Kitchen Tools

For hosts who love to cook, consider gifting customized kitchen tools. Personalized, engraved cutting boards, utensils or a set of high-quality kitchen knives are practical and thoughtful gifts that can be cherished for other hosting events to come.

Potted Plants or Fresh Flowers

Brighten up your host's home with a beautiful potted plant. Choose seasonal blooms or a low-maintenance plant, like a succulent, which can add a touch of nature to the Thanksgiving table.

Thanksgiving Themed Decor

Bring a touch of festive decor to your host's home with Thanksgiving-themed items. Consider decorative candles shaped like pumpkins or autumn leaves, festive table runners or elegant napkin rings that can be used to enhance the holiday atmosphere.

Board Games or Puzzles

Encourage post-dinner bonding with board games or puzzles that the host can enjoy with family and friends. Choose games that are suitable for all ages and can provide hours of entertainment during (or after) the holiday gathering.

Artisanal Olive Oils and Balsamic Vinegars

Infuse culinary creativity into your host's kitchen by gifting a set of high-quality, artisanal olive oils and balsamic vinegars. These gourmet condiments can add a burst of flavor to salads, vegetables and other Thanksgiving dishes.

Personalized Thank-you Note

Sometimes a heartfelt thank-you note can be the most meaningful gift. Express your gratitude in writing, sharing specific moments or aspects of the gathering that you truly appreciated.

When selecting a gift for your Thanksgiving host, aim for something that reflects your appreciation and adds to the joy of the celebration. Whether it's a homemade treat, a thoughtful piece of décor or a practical kitchen accessory, your gesture will undoubtedly contribute to the warmth and gratitude of the holiday season.

Five Easy Ideas for Thanksgiving Leftovers

Tue, 25 Nov 2025 16:17:19 GMT

Here are some inventive ideas to turn your Thanksgiving leftovers into delicious new meals.

Updated on November 11, 2025, to reflect the latest information. This post was originally published on August 9, 2024.

Thanksgiving is a time for turkey, stuffing, mashed potatoes and all the fixings. But once the big day is over, you're often left with a fridge full of tasty leftovers. Rather than simply reheating the same plate over and over, why not get creative?

1. Turkey Cranberry Sandwich with a Twist

The turkey sandwich is a classic leftover go-to, but you can elevate it by adding a few extra elements. Start with a hearty bread option, such as ciabatta or a crusty baguette. Spread a layer of leftover cranberry sauce on one side and a generous slather of creamy Brie (or even goat) cheese on the other. Pile on the turkey slices and a handful of fresh arugula or spinach for some crunch. Press the sandwich in a hot skillet with a little butter until the bread is golden and the cheese is melted. The result? A gooey, sweet and savory delight that’s perfect for lunch.

2. Stuffing-Stuffed Mushrooms

Leftover stuffing often ends up forgotten in the back of the fridge. Instead, transform it into a delectable appetizer or side dish by using it to stuff mushrooms. Choose large, firm mushrooms like cremini or portobello and remove the stems. Spoon the stuffing into the mushroom caps and sprinkle with grated Parmesan cheese. Bake in the oven at 375°F (190°C) for about 15 minutes or until the mushrooms are tender and the tops are golden and crispy. These savory bites are perfect for a cozy snack or to serve at your next holiday gathering.

3. Thanksgiving Leftover Shepherd’s Pie

Turn your Thanksgiving feast into a comforting, one-dish meal by creating a shepherd’s pie. Start by spreading a layer of leftover mashed potatoes in the bottom of a baking dish. Next, layer on your turkey, followed by a big helping of gravy. Add some leftover vegetables like green beans, carrots or even Brussels sprouts. Top it off with another layer of mashed potatoes and a sprinkling of shredded cheese. Bake at 375°F (190°C) until the top is golden and bubbling, about 20-25 minutes. This dish is the ultimate in post-Thanksgiving comfort food.

4. Pumpkin Pie Milkshake

Do you have leftover pumpkin pie? Turn it into a decadent milkshake! Crumble a slice of pumpkin pie (crust and all) into a blender. Add a scoop or two of vanilla ice cream, a splash of milk, and a pinch of cinnamon or nutmeg. Blend until smooth and serve in a tall glass with a dollop of whipped cream on top. This rich and creamy treat is the perfect way to enjoy your favorite Thanksgiving dessert in a whole new form.

5. Cranberry Sauce Parfait

Leftover cranberry sauce can be more versatile than you think. Layer it in a parfait for a quick and easy breakfast or dessert. Start with a spoonful of cranberry sauce in the bottom of a glass, followed by a layer of Greek yogurt. Add a sprinkle of granola or chopped nuts for a crunch and repeat the layers until you reach the top of the glass. Finish with a drizzle of honey or maple syrup for added sweetness. This parfait is a refreshing change from the heavier Thanksgiving desserts and can be enjoyed any time of the day.

Remember that Thanksgiving leftovers don’t have to be boring or repetitive! With a little creativity, you can transform your post-holiday meals into something new and exciting. Whether it’s a turkey sandwich with a gourmet twist, a hearty shepherd’s pie or a sweet and creamy milkshake, these recipes will make you look forward to leftovers just as much as the main event. So go ahead, embrace your inner chef and give those Thanksgiving remnants a delicious makeover!

Protect Yourself from Scams

Thu, 20 Nov 2025 15:25:39 GMT

Your security and peace of mind are important to GBU Life. As scams continue to become more sophisticated, we want to ensure that you have the knowledge and tools needed to protect your personal information. Here are a few key reminders to help you stay safe and recognize legitimate communications from us.

How GBU Life Contacts Members

GBU Life may contact you through a variety of official channels, including the following:

Phone calls from 1-800-765-4428
Emails from claims@gbu.org , memberbenefits@gbu.org , newbusiness@gbu.org , sales@gbu.org and service@gbu.org
Faxes from 412-884-9815
Official letters including those we send directly and those generated by approved third-party vendors

GBU Life will not initiate account servicing or marketing via text. If you receive a text claiming to be from us, do not respond or click any links.

If you prefer written communication, please send mail only to the following authorized addresses:

Headquarters and overnight mail: 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227
For payments: P.O. Box 645949, Pittsburgh, PA 15264

We will never request personal information or payments be sent to any other address. While it is rare, fraudulent letters requesting information or funds can occur. If you ever have doubts about a mailing, please contact us directly.

What We Will Never Do

To help you recognize red flags, please note the following:

We will never ask for your credit card number, gift card payments or immediate payments over the phone.
We will never ask for your full Social Security number (or even the last four digits) in an unsolicited communication. Please be advised that your Social Security number will only be requested when you initiate contact with GBU Life.
We will never request your password.
We do not initiate contact via text for personal or account information.

Staying Safe on the Phone

While our sales or service team may occasionally contact you by phone, this typically only occurs in connection with an action you initiated, such as a beneficiary change or a withdrawal request. We will not call you out of the blue to "validate" your identity. Please note that phone numbers can be spoofed. In the event that you receive a call from someone stating that they’re from GBU Life,

we strongly encourage you to hang up and call us back at our official number:

1-800-765-4428. Always go through our automated call tree to ensure you’re speaking with a verified representative.

When you initiate a call with GBU Life, our customer service team will ask a few questions to verify your identity before discussing any account details. This is for your protection and to ensure your information stays secure.

Protecting Your Information on Social Media

When communicating via social media direct message, we will only request an email address for further communication. We kindly remind you not to share or post any personal or account information in comments or direct messages on social media.

Taking Action

If you ever suspect that your personal information has been compromised, please contact us directly before taking any action. For added protection, we can help you establish a security passphrase on your account.

Communications from Agents

Please note that an agent you already have an existing relationship with may reach out to you via text message. However, text communication is uncommon and typically only occurs if you've previously been in contact with that agent. You should verify the number sending the text message before responding.

There may be situations where an agent calls and asks for the last four digits of your Social Security number, but this would only happen in direct response to a request or inquiry you've initiated. If you're ever unsure whether an agent is legitimate, please call our office directly to verify before sharing any information.

Staying informed is your best defense. We encourage you to remain cautious when handling unsolicited communications and to reach out with any concerns.

Life Insurance: Do You Have Enough?

Wed, 05 Nov 2025 18:42:35 GMT

Updated on November 5, 2025, to reflect the latest information. This post was originally published on May 17, 2022.

At GBU Life, we encourage our members to review their current life insurance policies to see if they need to add to the face value or consider additional rider options or even different policy types, depending on their phase of life.

One of the key phases of life where families often find themselves underinsured is during the "busy years." Usually, between the ages of 25 and 55, you are working hard to build a life for yourself and your family. This is the time when you are building income and starting savings. You may be paying a mortgage and raising children. College tuition may be looming (or you still may be paying for your own).

Here are some things to think about to ensure that you have the right amount of coverage during this very busy phase of your life.

Buy Whole Life Coverage as Early as You Can

You will never be younger than you are right now, so if you are also in good health it is the perfect time to purchase a life policy with a guaranteed renewal option rider. Buying a smaller whole life policy now and adding more coverage during guaranteed purchase periods (as you are able) helps you to build your coverage over time. It also ensures that you are able to grow your coverage even if your health should decline in the future.

Use Term Coverage to Fill in the Gaps

Be sure to consider what your life will look like for the next 20-30 years. Consider long- and short-term debt such as a mortgage, student loan debt, future college tuition and childcare. Be sure that if the worst happens, your family will be able to pay off debt and replace lost income. Often the term insurance offered through your employer is not enough to cover these expenses. Be sure to complete an analysis with your agent and supplement with additional term insurance during these years.

Plan for the "What Ifs"

Review the rider options for both your whole life and term policies. Rider options can really help you to mitigate risks that come with uncertainty. For example, a children's term rider automatically covers all current and future children for one price. Living benefits riders allow you to use some of your life insurance benefit in advance if you meet certain medical criteria, such as a terminal or critical illness. Other options such as waiver of premium or borrowing from the cash value that builds as part of a whole life policy can help you should you run into a period of financial struggle along the way.

If you are ready to review your life insurance or if you are ready to get started with a policy, you can request an appointment at gbu.org .

Your Impact: The GBU Foundation Community Grant Stories

Wed, 22 Oct 2025 19:28:21 GMT

Updated on October 21, 2025, to reflect the latest information. This post was originally published on October 16, 2024.

Wondering how your donation to The GBU Foundation has made an impact on others? Below are testimonials from some of the previous Community Grant Award winners.

Organization Name: The Open Door Pantry

Location: Eagen, MN
Year: 2025 Community Grant Award Winners

The Open Door Pantry is a fresh approach to ending local hunger through access to healthy food. With the support of the GBU Foundation, The Open Door Pantry has grown significantly to meet record demand. Since receiving this grant, they have expanded from 28 to 35 Mobile Food Program sites, including several new senior living facilities, and increased annual food distribution to more than 4.5 million pounds in 2024—65% of it fresh and perishable. Monthly service has risen from about 16,000 people at the time of their application to over 22,000 today.

"At one of our new senior living Mobile Food sites, a resident picked up a carton of eggs and lit up with excitement. She told our staff, 'I can’t wait to go upstairs and make myself an egg sandwich.' It had been months since she could afford this simple comfort food, and the joy on her face spoke volumes. For her, it wasn’t just about receiving groceries—it was about regaining something familiar, nourishing and dignified. Thanks to the GBU Foundation’s support, seniors like her now have regular access to fresh, healthy food right where they live, restoring both health and everyday joys that many of us take for granted." - Representative from The Open Door Pantry

Learn more about The Open Door Pantry here .

Organization Name: Casey's Clubhouse

Location: Bethel Park, PA
Year: 2025 Community Grant Award Winners

Casey’s Clubhouse fosters inclusion and connection through baseball and beyond, providing opportunities for individuals with disabilities to thrive. They successfully purchased and installed a new 12x12 lofted storage shed at our complex. The shed was placed on a concrete foundation to ensure long-term durability and functionality. Its lofted design provides additional overhead storage space, allowing Casey's Clubhouse to keep bulky and seasonal items safely organized while maximizing floor space for everyday program equipment. This addition gives them the capacity to expand and enhance our programs for athletes with disabilities.

"The addition of our new lofted storage shed, made possible through the [GBU Foundation] Community Grant Award, has already created a ripple effect of impact. With secure, dedicated space now available, we were able to obtain two additional grants to purchase the equipment needed to fully stock the shed. This means that when we host our next camp, we will be able to double the number of participants we serve. Even more importantly, we will have enough equipment on hand to ensure every participant has exactly what they need, without worrying about purchasing their own. For many families, removing that financial and logistical barrier makes it possible for their child or adult with disabilities to join in. This shed has become much more than a storage space, it is the foundation for growth, accessibility and opportunity in our programs and our community." - Casey's Clubhouse Representative

Learn more about Casey's Clubhouse here .

Organization Name: The Little Fox - Toby’s Foundation

Location: Monroeville, PA
Year: 2024 Community Grant Award Winners

The Little Fox - Toby’s Foundation in Monroeville, PA, supports families grieving the loss of an infant through workshops and weekend grief retreats. The 2024 Community Grant Award has enabled Toby’s Foundation to host two additional retreat weekends, a Grieving Mother’s Retreat and a Grieving Parents Retreat, that were not planned for this year.

“This retreat gave me more than I could have ever thought. Safe and support are two key words I felt my entire stay. But since I have left, I have so much more hope in my life. My life is forever changed. I gained a family. And I’m really hoping to be a close part of the Toby’s Foundation for years to come.” - Grieving Mother

Learn more about The Little Fox - Toby’s Foundation here .

Organization Name: Light of Life Ministries, Inc.

Location: Pittsburgh, PA
Year: 2024 Community Grant Award Winners

Light of Life Ministries is one of the Pittsburgh's primary resources for men, women, and children experiencing homelessness, poverty, or addiction. Their Food Pantry serve low-income residents on the Pittsburgh’s Northside and is a distribution hub for other food pantries/community partners in the area.

The 2024 Community Grant Award enabled Light of Life to purchase high demand food/supplies and items not typically available through our donation process for the Food Pantry. Some items include meat, juice, diapers for infants and toddlers, and supplements and other items designed to support senior health.

The Food Pantry served over 100 families each week on the day we open to the public. 26 community partners came to pick up food to redistribute to the people they serve. Between the public shopping and partners coming for food, the Pantry distributes an average of almost 11,000 pounds of food each week – the equivalent of approximately 9,000 meals!

Learn more about Light of Life here .

Organization Name: The ALS Association

Location: Arlington, VA
Year: 2024 Community Grant Award Winners

The ALS Association (ALSA) helps patients and families cope with the day-to-day challenges of living with ALS by providing information, resources, and referrals to many sources, including a wide variety of community services.

The 2024 Community Grant Award to the Pittsburgh Chapter enabled ALSA to purchase 7 portable power wheelchairs for our loan program. These small portable power wheelchairs are not covered by insurance, so we make them available as part of our loan program. It allows those living with ALS the opportunity to go out into the community, attend family events, as well as medical appointments.

ALSA provided a Literider Envy to an individual living with ALS that was having difficulty getting around independently where he lives. There is limited space, small areas and he needed something that he could maneuver independently. The Literider allows him to attend activities with others in the community, he can pull right up to a dining room table and does not need to get out of the Literider onto a chair which is difficult for him. He also can continue one of favorite “jobs” of watering the inside and outside plants. He puts the watering can on his lap and can move easily around to water the plants without struggling and does not need to rely on others, but can now do it himself. The independence the Literider achieves and the ability to participate in enjoyable activities is the goal of providing this much needed equipment.

Learn more about the ALS Association here .

Organization Name: Women's Center & Shelter of Greater Pittsburgh (WC&S)

Location: Pittsburgh, PA
Year: 2024 Community Grant Award Winners

The Women's Center & Shelter of Greater Pittsburgh (WC&S) of Pittsburgh is dedicated to providing comprehensive support services to survivors of domestic violence (DV) and their children, helping them to navigate through incredibly challenging times.

The 2024 Community Grant Award enabled WC&S to refresh the technology infrastructure within our Children's Advocacy Program (CAP) and Onsite Computer Lab. The Children’s Advocacy Program (CAP) helps child survivors of DV and their mothers to heal from trauma by meeting their basic needs (such as medical care and school access), providing behavioral health services, parenting support, and offering recreation and educational activities.

New computers in the Children’s Advocacy Program (CAP) have benefited survivors as well as staff. The Onsite Computer Lab allows resident and non-resident clients to enjoy a safe space in which to search for housing, work on a resumé, complete job or school applications, or simply keep in touch with friends and family via email or social media. This investment enhances the experience of survivors in completing a variety of tasks that will move them forward in their healing journeys.

For staff, the upgrades have improved workflow, and equip staff to better assist mothers as they need help finding resources for parenting or identifying next steps in enrolling their kids into school.

Learn more about the Women's Center & Shelter of Greater Pittsburgh here .

Organization Name: Hopebound Ministries Inc., DBA Mooncrest Neighborhood Programs

Location: Moon Twp., PA
Year: 2024 Community Grant Award Winners

Mooncrest Neighborhood Programs in Moon Township, PA, offers a variety of services to promote spiritual, intellectual, physical, social and emotional development for local children and families.

The 2024 Community Grant Award helped fund a summer camp to keep 75 children engaged, enriched, challenged and fed each day so they could returned to school without “summer slide,” the learning loss that often occurs during summer break.

“Being kind” is an ongoing theme at summer camp. On the final day, a spontaneous act of kindness created a heartwarming ripple effect. Campers prize points for daily reading to select new toys and games at the end of camp celebration. Before awarding prizes, campers played Book Bingo to win books. One of the first winners, a fifth grader, opted to have her younger second grade sister pick her book prize. From that point, without any prompting from staff, every middle school student who won Bingo chose a younger student and escorted their chosen student to the prize table to help them select a prize book. The “Bigs” conspired together to make sure every “Little” was picked. The younger children were honored by the attention from the “Bigs” and with the prize, and the middle school student’s actions provided affirmation to staff that gentle lessons of kindness throughout the summer were heard and put in practice.

Learn more about Mooncrest Neighborhood Programs here .

Celebrate National Do Something Nice Day with Your GBU Benefits

Wed, 01 Oct 2025 19:28:26 GMT

October 5 marks National Do Something Nice Day, a reminder that even small acts of kindness can make a big difference in someone’s life. Whether it’s holding the door open or checking in on a friend, kindness strengthens our communities and spreads positivity.

At GBU Life, we believe in making life better for our members and the communities we serve. That’s why we offer a variety of member benefits designed to help you and your family thrive. And on a day that celebrates kindness, one benefit stands out is our VIP Perks by Entertainment .

A Benefit That Makes Sharing Easy

Through VIP Perks by Entertainment, members can access savings on everyday needs like:

Restaurants and dining
Travel and entertainment
Shopping and services

This means you can treat yourself, or even better, do something nice for someone else, without stretching your budget. Imagine surprising a friend ice cream, planning a fun family outing or gifting tickets to a show, all while saving money through your GBU membership.

Kindness That Ripples Outward

Doing something nice doesn’t always have to be grand. By using your VIP Perks by Entertainment discounts , you can spread kindness more often, making it easier to brighten someone’s day. A small act of generosity can inspire others to pay it forward, creating a ripple effect of kindness in your community.

Turn Over a New Leaf in September and Learn a New Language

Fri, 29 Aug 2025 17:31:25 GMT

As the days shorten and autumn leaves begin to change, September gently invites us to refocus our minds to new possibilities. Much like nature turns over a new leaf, this time of year inspires transformation. What better way to grow than by learning a new language?

Why September Is Ideal for Language Learning

Fresh-start energy. With summer behind us and routines resuming, September feels like a natural reset—perfect for starting a new habit.
Mental fitness. Studies show language learning boosts memory, multitasking abilities, and creativity—helps keep our brains sharp well into adulthood.
Cultural connection. Whether for travel, work, or local community engagement, a new language deepens empathy and opens doors.
Long-term payoff. It’s not just about vocabulary—it’s discipline, curiosity, confidence, and cognitive resilience too.

Learning Just Got Easier for GBU Life Members

If you're a GBU Life insured or social member, there’s even more motivation to start now. You’re eligible for a 50% reimbursement (up to $250/year) on any language learning program. This includes popular apps like Duolingo and Babbel.

How to Take Get Reimbursed

Select your language-learning platform. Examples include Duolingo, Babbel or Rosetta Stone.
Pay up front for your subscription or course.
Submit a reimbursement request through GBU. Half of your cost, up to $250/year, is covered.
Boost your learning knowing it’s budget-friendly and backed by GBU.

Make Your Learning Stick

Commit 10–20 minutes a day: even small, steady progress pays off.
Mix media: combine app lessons with music, podcasts or videos in your target language.
Use it in real life: label items around your home, chat with friends or practice on social platforms.
Track milestones: celebrate when you complete lessons, hit a streak or carry a short conversation.

Start your daily habit in September and watch your skills grow. Let this season be your launchpad.

How to Find Back to School Discounts and Deals

Tue, 12 Aug 2025 20:06:24 GMT

Updated on August 12, 2025, to reflect the latest information. This post was originally published on July 29, 2024.

As summer draws to a close, the back-to-school season brings with it a whirlwind of excitement, preparation and additional expenses. However, savvy shoppers know that with a bit of strategy, it’s possible to save significantly on school supplies. Here’s a guide to help you find the best back-to-school discounts and deals, ensuring your student is well-prepared without breaking the bank.

Start Early and Make a List

Begin your shopping early to take advantage of early-bird sales and avoid the last-minute rush. Create a detailed list of everything your child needs, from notebooks and pens to clothing and electronics. A well-organized list helps you stay focused and prevents impulse buys that can quickly add up.

Compare Prices Online

The internet is a treasure trove of information when it comes to finding the best deals. Use price comparison websites like Google Shopping, Idealo or Shopzilla to compare prices across different retailers. This helps you identify which stores offer the best deals on specific items. Additionally, many online retailers offer exclusive discounts and promo codes that you won’t find in-store.

Sign Up for Newsletters

Some retailers offer exclusive discounts to customers who subscribe to their newsletters. Sign up for newsletters from your favorite stores to receive notifications about upcoming sales, special promotions and exclusive coupons. Some stores even offer a discount just for signing up.

Take Advantage of Tax-Free Weekends

Many states have tax-free weekends during the back-to-school season, where you can purchase certain items without paying sales tax. This can result in significant savings, especially on big-ticket items like laptops and tablets. Check your state’s tax-free weekend dates and eligible items to maximize your savings.

Use Cashback and Rewards Programs

Take advantage of cashback websites like Rakuten, Swagbucks or Honey. These sites offer cashback on purchases made through their links, providing an additional way to save. Additionally, use credit cards that offer rewards or cashback on purchases to further increase your savings.

Shop Sales and Clearance Sections

Remember to shop the sales and clearance sections where you can find heavily discounted items. Look for end-of-season sales, clearance events and special promotions. Don’t forget to check the clearance section both online and in-store for hidden gems at unbeatable prices.

Note: just because something is on sale doesn’t mean it’s the best price. Some retailers have been caught artificially inflating prices before a promotion, making the “discount” seem bigger than it actually is. Always compare prices across multiple stores or websites and if possible, check the item’s price history. A little research can go a long way in making sure you’re truly getting a good deal.

Utilize Student Discounts

Retailers may provide student discounts on a variety of products, from clothing to electronics. Make sure your child has their student ID handy to take advantage of these deals. Some popular stores offering student discounts include Apple, Microsoft and various clothing retailers.

Buy in Bulk

For items that your child will need throughout the school year, such as notebooks, pens and paper, consider buying in bulk. Wholesale clubs like Costco and Sam’s Club often offer significant discounts on bulk purchases. While it requires a larger initial investment, buying in bulk can save you money in the long run. You can even combine forces with another parent who’s purchasing similar products for their child.

Look for Coupons and Promo Codes

Before making any online purchase, search for coupons and promo codes. Websites like RetailMeNot, Coupons.com and Honey offer a wide range of discount codes for various retailers. Some browser extensions automatically apply the best available coupons at checkout.

Stay Organized and Track Your Spending

Keep track of your spending to ensure you stay within your budget. Use a spreadsheet or a budgeting app to monitor your purchases and ensure you’re not overspending. Staying organized helps you make informed decisions and avoid unnecessary expenses.

By implementing these tips, you can navigate the back-to-school shopping season with ease and confidence, ensuring your child has everything they need for a successful school year without breaking the bank.

Save on Back-to-School Shopping with These Simple Steps

Mon, 11 Aug 2025 00:59:53 GMT

With some strategic planning and savvy shopping, you can navigate the back-to-school shopping season without breaking the bank.

Updated on August 11, 2025, to reflect the latest information. This post was originally published on December 15, 2023.

Here are some smart strategies to help you save on your back-to-school supplies.

Create a Budget

Before you even step foot in a store or start browsing online, it's crucial to establish a budget. Take inventory of what your child already has and make a list of the essential items they'll need for the upcoming school year. Assign a realistic budget to each category, such as school supplies, clothing and electronics. Having a clear budget will help you stay focused and avoid unnecessary impulse purchases.

Take Advantage of Sales and Discounts

Back-to-school sales are a staple of the season, so keep an eye out for promotional events and discounts offered by retailers. Additionally, be on the lookout for tax-free weekends in your state, where you can purchase qualifying items without paying sales tax, providing an extra layer of savings.

Comparison Shop

Before making any purchases, do your homework and compare prices across different retailers. Online shopping makes this process easier than ever, allowing you to quickly check multiple stores for the best deals. Don't forget to explore both physical and online retailers, as well as discount stores, to find the most cost-effective options for the items on your list.

Buy in Bulk

Consider purchasing school supplies in bulk to take advantage of lower per-unit costs. Items like notebooks, pencils and glue are often available in larger quantities at discounted prices. Pooling resources with other parents or coordinating bulk purchases with classmates can further maximize savings.

Reuse and Recycle

Take stock of what your child already has from the previous school year. Many items, such as backpacks, lunchboxes and even clothing can be reused if they are still in good condition. By embracing the concept of "reduce, reuse, recycle," you not only save money but also contribute to a more sustainable lifestyle.

Embrace Secondhand Shopping

Explore secondhand stores, thrift shops and online marketplaces for gently used clothing and school supplies. Children grow quickly, and it's not uncommon to find quality items that have only been lightly used. Thrift shopping not only saves money but also adds a unique touch to your child's wardrobe.

Utilize Cashback and Rewards Programs

Take advantage of cashback and rewards programs offered by credit cards or dedicated shopping apps. These programs can provide you with cash back, discounts or loyalty points that can be redeemed for future purchases . Just be sure to pay off your credit card balance promptly to avoid accruing interest.

Back-to-school shopping doesn't have to be a financial burden. With mindful planning, budgeting and strategic shopping, you can save money while ensuring your child is well-equipped for the upcoming school year. From taking advantage of sales and discounts to embracing secondhand shopping, these smart strategies will help you navigate the back-to-school season with your budget intact. By adopting a mindful approach to your shopping, you can set the stage for a successful and cost-effective school year.

Your Comprehensive Guide for Dorm Room Essentials

Mon, 04 Aug 2025 19:47:25 GMT

To make your space both functional and comfortable, it’s important to have the right essentials.

Updated on August 4, 2025, to reflect the latest information. This post was originally published on August 14, 2024.

Starting college is an exciting experience, and setting up your dorm room is a big part of that journey! Your dorm room is your home away from home; it's a place to study, sleep, relax and socialize. Here’s a handy guide to dorm room must-haves that will help you create a cozy, organized and stylish space.

Bedding Essentials

Your bed is the focal point of your dorm room, and having comfortable bedding is the key to a good night’s sleep.

Comfortable mattress topper: dorm beds can be uncomfortable, so a high-quality mattress topper is essential. It adds an extra layer of cushioning, making your bed much cozier.
Bedding set: choose a bedding set that includes a fitted sheet, flat sheet, pillowcases and a duvet or comforter. Opt for easy-to-wash materials and consider bringing an extra set for laundry days. Note that many dorm room beds require twin extra-long sheets due to the length of the mattress.
Pillows and throws: a few pillows are a must for comfort and support. Adding decorative pillows and a cozy blanket can also make your bed more inviting and add personality to your space.

Storage Solutions

Dorm rooms are typically small, so maximizing storage is important.

Under-bed storage: utilize the space under your bed with storage bins or drawers. These are great for storing toiletries, out-of-season clothes or extra bedding.
Closet organizers: invest in hanging organizers, shoe racks and storage bins for your closet. These tools help keep your items neatly arranged.
Over-the-door hooks: perfect for towels, bags and jackets, over-the-door hooks can help keep your room clutter-free.

Study Supplies

Your dorm room will double as your study space, so it’s important to have the right tools to stay organized and focused.

Desk lamp: a good desk lamp with adjustable brightness is essential for late-night study sessions. Consider one with a USB port for charging your devices.
Stationery and desk organizers: keep your pens, pencils, notebooks and other supplies in order with desk organizers. A dry-erase board or corkboard can also be helpful for keeping track of important dates and to-do lists.
Laptop: your laptop will be your lifeline in college, so make sure you have all the necessary chargers and accessories.

Bathroom Essentials

Whether you have a private bathroom or share a communal one, having the right bathroom essentials is a must.

Shower caddy: a shower caddy is essential for transporting your toiletries to and from the bathroom. Choose one with drainage holes and multiple compartments for easy organization.
Towels and bathrobe: bring a set of towels for showering, as well as a smaller towel for your face and hands. A bathrobe can also be convenient, especially if you’re using a communal bathroom.
Toiletries: stock up on your favorite toiletries, including shampoo, conditioner, body wash, toothpaste and skincare products.

Note: remember a pair of shower flip-flops to keep your feet clean in communal showers.

Kitchen and Eating Supplies

Even if your dorm doesn’t have a full kitchen, there are still a few essentials you’ll need for snacking and meal prep.

Mini fridge: a mini fridge is perfect for storing drinks, snacks and perishable items. It’s a must-have for late-night study sessions or early morning breakfasts.
Microwave: a microwave allows you to quickly heat up leftovers, make popcorn or prepare simple meals.
Dishware and utensils: Bring a few basic items like plates, bowls, mugs and cutlery. A reusable water bottle and travel mug are also essential for staying hydrated on the go.

Note: before purchasing any of these items, be sure to check and see if the room is already supplied with these items. Additionally, if you have a roommate, consider splitting the cost of the items to manage spending.

Personal Comforts

Adding personal touches to your dorm room can make it feel more like home.

Decorative items: bring along some wall art, photos, posters or tapestries to add personality to your space. Removable wall hooks and strips can help you decorate without damaging the walls.
Rugs and curtains: a small area rug can add warmth and comfort to your room, while curtains can provide privacy and control the amount of natural light.
Lighting: a small lamp can create a cozy atmosphere in your room. Avoid harsh overhead lighting by opting for softer, ambient lighting.

Health and Safety Essentials

Don’t forget to prioritize your health and safety in your new living space.

First aid kit: keep a basic first aid kit stocked with band-aids, pain relievers, antiseptic wipes and any personal medications.
Cleaning supplies: a small set of cleaning supplies, including disinfectant wipes, a small broom and dustpan will help keep your space clean and tiny. Remember to bring laundry detergent, too!
Surge protector: protect your electronics with a surge protector that has multiple outlets. This is essential for safely powering your devices in a dorm room.

Moving into a dorm room is a big step, and having the right essentials can make all the difference in your college experience. With these dorm room essentials, you’ll be well-prepared to tackle your academic journey and make the most of your college life.

Celebrate National Wellness Month with Optimity

Thu, 31 Jul 2025 18:12:43 GMT

August is National Wellness Month, a time to reflect on your health and commit to simple habits that support a well-balanced lifestyle. Whether you’re looking to increase your physical activity, stay hydrated or reduce stress, wellness isn’t about dramatic transformations but about consistency and support.

That’s where Optimity comes in.

At GBU Life, we’re proud to offer our members access to this science-backed app that turns daily wellness into an achievable, rewarding routine. During National Wellness Month, there’s no better time to see how small changes can lead to long-lasting results and Optimity is here to guide the way.

What Is Optimity?

Optimity is a mobile wellness platform designed to help users build healthier habits through short, simple activities that fit easily into their day. By focusing on health tips, micro-learning content and small behavior changes, Optimity empowers individuals to take control of their well-being in a way that feels manageable and rewarding.

The app also features fun, educational challenges, and offers chances to win real prizes, including gift cards, just for completing wellness activities. Whether you have five spare minutes or an entire hour, Optimity makes it easy to make wellness part of your routine.

Building Better Habits

Wellness can feel overwhelming, especially when life gets busy. But building better habits doesn’t require a total lifestyle overhaul. Optimity encourages users to take bite-sized steps that naturally lead to improvement over time.

Here’s how Optimity helps:

Move More
Optimity’s movement challenges encourage daily physical activity, even if it’s just a brisk walk or a few stretches between meetings. You’ll get reminders to keep moving, along with practical tips to boost energy and improve mobility.

Hydrate Often
Drinking enough water might seem basic, but it’s one of the most overlooked components of wellness. Optimity sends hydration reminders and shares quick info on how water supports everything from skin health to brain function.

Manage Stress
From guided breathing exercises to mood-boosting tips, Optimity helps users stay mindful and balanced, even on the busiest days. The app’s bite-sized mental wellness content helps reinforce the importance of checking in with yourself.

Sleep Smarter
Good rest is crucial for mental clarity and physical health. Optimity offers sleep hygiene tips and personalized insights to help you improve your nightly routine.

Optimity Wellness with Rewards

One of the most motivating features of Optimity is the chance to earn points for each activity you complete. These points can be redeemed for gift cards and other rewards, turning your healthy habits into real-world benefits. The more consistent you are, the more you earn, creating a fun incentive to keep going.

For GBU members, this benefit is available at no additional cost. It’s our way of supporting your wellness journey and helping you live a more fulfilling, healthier life.

Why National Wellness Month Matters

National Wellness Month isn’t just a date on the calendar; it’s a reminder that your well-being is worth prioritizing. In today’s fast-paced world, self-care often takes a backseat. But this month, we challenge you to make a shift, however small.

Try setting one goal for August. Maybe it’s drinking eight glasses of water a day or walking 20 minutes each morning. Optimity can help you track that goal and stay motivated.

How to Get Started with Optimity

Ready to take your first step? Download the Optimity app and join the GBU Wellness community. You’ll gain access to a variety of wellness topics, earn rewards for your efforts and receive the encouragement you need to keep moving forward.

To learn more about how Optimity works and how it supports GBU members, learn more here .

Beat the Heat with VIP Perks! this Summer

Thu, 17 Jul 2025 20:15:15 GMT

As summer temperatures climb, staying cool while making the most of the season can be a challenge—especially when you're trying to stick to a budget. But if you're a GBU Life member, you already have access to a powerful tool to help you save while staying entertained: VIP Perks! by Entertainment ® .

This exclusive member benefit gives you access to hundreds of discounts on travel, entertainment, shopping and more. When it comes to beating the summer heat, VIP Perks! opens the door to a variety of fun, wallet-friendly ways to stay cool.

Below are just a few ways you can take advantage of VIP Perks! this summer.

1. Enjoy Discounted Movie Tickets

When the sun’s blazing, heading to an air-conditioned movie theater is a classic escape. With VIP Perks!, GBU members can enjoy savings on movie tickets at major theater chains. Whether you're checking out the latest superhero blockbuster or catching a family-friendly flick with the kids, this perk makes it easier and more affordable to unwind indoors.

2. Make a Splash at Water Parks

Water parks are the ultimate summer destination, and with VIP Perks!, you can often find discounted admission to popular water parks across the country. From thrilling water slides to lazy rivers, it’s a refreshing way to spend a hot summer day. Whether you’re planning a weekend outing or looking for something fun to do during a staycation, this benefit helps make a splash without breaking the bank.

3. Explore Museums, Aquariums and More

Museums, science centers, aquariums and indoor play zones are a perfect way to keep cool and curious minds engaged. Through VIP Perks!, GBU members can save on admission to cultural attractions in cities nationwide. Take a break from the heat and step into a world of learning and wonder all while enjoying exclusive member discounts.

4. Cool Off and Treat Yourself

After a day of activities, a cold treat is a must. While VIP Perks! is known for entertainment and travel savings, it also includes special deals on shopping and dining. Whether you're craving ice cream, iced coffee or just a relaxing meal out, browse available offers to keep your summer both cool and delicious.

5. Plan the Perfect Summer Staycation

If you're not traveling this summer, you can still turn up the fun locally. Use VIP Perks! to plan a staycation filled with affordable local adventures right in your own backyard. GBU members can find regional deals tailored to their location, helping you make the most of what's nearby while staying within budget.

VIP Perks! is just one of the many ways GBU gives back to its members. Whether you're looking to entertain the kids, cool off with friends or try something new this summer, this exclusive benefit can help you do more for less.

Activate your account by visiting inside.gbu.org/vip-perks . Note that you can print coupons from home or simply redeem them from the mobile app!

Stay cool and save big this summer.

Estate Planning Made Simple with Law Assure

Mon, 30 Jun 2025 20:05:03 GMT

When it comes to planning for the future, there are few things more meaningful than knowing your legacy will make a lasting impact. At GBU, we’re proud to offer members the tools and resources needed to protect what matters most while also providing meaningful ways to give back. Two key ways to do just that? Estate planning with LawAssure and charitable giving through the GBU Foundation.

LawAssure and Estate Planning
Estate planning may sound overwhelming, but it doesn’t have to be. As a GBU member, you have complimentary access to LawAssure, a secure, online platform that helps you create personalized legal documents such as wills, powers of attorney and healthcare directives. These documents are essential in protecting your wishes and your loved ones, ensuring your affairs are handled the way you want them to be.

Whether you're just getting started or updating your existing plans, LawAssure offers easy-to-use templates and guidance tailored to your state’s legal requirements. It’s peace of mind without the price tag or complexity of traditional legal services.

Extend Your Impact Through the GBU Foundation

Once your estate plans are in place, it’s also worth considering how you might make a difference for generations to come. The GBU Foundation offers a powerful way to support causes that align with your values, including scholarships and community initiatives. A particularly meaningful option is to include a charitable gift to the Foundation in your estate plans through life insurance or annuities . This thoughtful approach allows you to support the people and causes you care about most.

Start Building Your Legacy Today

Combining Law Assure with charitable giving is a smart and heartfelt way to plan for the future. Whether you’re focused on protecting your family or giving back to your community (or both), GBU is here to support you every step of the way.

Ready to get started? Protect what matters most by signing up for LawAssure.

Growing Impact: GBU Foundation Giving Update

Thu, 26 Jun 2025 19:46:29 GMT

Since December 2024, donors have contributed an impressive $1,443,000 to the GBU Foundation, establishing new scholarship, educational grant and donor-advised charitable funds. These gifts help to shape a brighter future for students, communities and charitable causes across the country. Whether you're a GBU member, producer or a philanthropic-minded business, you can participate in this growing movement by launching your own charitable

fund with the GBU Foundation.

Types of Funds You Can Establish

Donor-Advised Funds (DAFs)
A flexible giving vehicle that lets donors recommend grants to charities over time, aligning with personal giving goals and timelines.
Donor Designated Funds (DDFs)
These funds support specific charitable organizations either in perpetuity or for a set number of years—perfect for donors with a clear philanthropic mission.
Scholarship or Educational Grant Funds
These funds provide renewable (multi-year) scholarships or one-time educational grants, empowering students to pursue their academic goals.

Ways to Fund Your Charitable Giving

Donors have a variety of ways to contribute to the GBU Foundation funds,

including

Cash contributions (from bank accounts)
Appreciated securities (stocks, mutual funds, bonds—offering potential tax advantages)
Beneficiary designations (on annuity or life insurance policies)
Retirement assets (IRAs and 401(k)s, especially effective for legacy planning)
Bequests & estate plans (ensure your charitable vision continues)
Other planned giving vehicles (creative solutions that offer financial and philanthropic benefits during your lifetime)

Support the Community—Sponsor the Community Grant Awards

If you're not ready to start a fund but still want to make a difference, consider sponsoring the GBU Foundation Community Grant Awards Program. This initiative supports local nonprofits working in GBU’s Community Pillars (Wellness, Education, Charitable Giving and Hometown Hero Support). It's a meaningful way for individuals, producers and businesses to contribute to causes close to home.

Ready to Get Started?

Whether you're looking to support a cause, honor a loved one or create a legacy, the GBU Foundation is here to help. To learn more or to start your own fund:
Email: gbufoundation@gbu.org

Call: 800-765-4428

Leave a Legacy with Life Insurance and Annuities

Thu, 26 Jun 2025 19:00:58 GMT

Legacy giving, also known as planned giving, is a meaningful way to leave behind a lasting impact on the causes and organizations you care about. By incorporating life insurance and annuities into your estate planning, you can maximize the benefits of your legacy gifts, ensuring they are both impactful and tax efficient.

Legacy giving involves making a commitment to donating a portion of your estate to a charitable organization or cause. This can be done in several ways, including bequests, charitable trusts and gifts of life insurance or annuities. Incorporating legacy giving into your will allows you to support causes you are passionate about while potentially providing tax advantages for your estate.

Life Insurance as a Legacy Gift

Life insurance can be an effective tool for legacy giving. Here are some ways to incorporate it into your estate planning:

Naming a Charity as a Beneficiary: You can designate a charitable organization as a beneficiary of your life insurance policy. Upon your passing, the charity will receive the policy's death benefit, which can significantly enhance its funding.
Transferring Ownership of the Policy: You may also choose to transfer ownership of a life insurance policy to a charitable organization. This may qualify you for a charitable tax deduction for the premiums you pay on the policy.
Creating a New Policy: If you wish to make a substantial gift, consider purchasing a new life insurance policy and naming the charity as the owner and beneficiary. This can provide significant future benefits to the organization.

Annuities for Charitable Giving

Annuities can also play a role in planned giving. Here's how they work:

You can name a charity as the beneficiary of your annuity to receive any part of it that has not yet been distributed upon your death.
You can donate all or part of your Required Minimum Distribution (RMD) amount to qualified charitable organizations. This gives a gift to an organization that you want to support while being able to offset taxes.

Benefits of Using Life Insurance and Annuities

Incorporating life insurance and annuities into your legacy plan offers several benefits:

Tax Advantages: Donations made through life insurance and annuities may qualify for charitable tax deductions, reducing your taxable estate and potentially lowering estate taxes.
Financial Security: Annuities can provide you or your loved ones with a steady income stream for life, offering increased financial security while also benefiting your chosen charity.
Significant Impact: Life insurance policies can result in larger gifts than might be possible through cash donations, making a more substantial impact on the charity.

How to Get Started

Identify Your Charitable Goals: Determine which causes or organizations you wish to support through your legacy gift.
Consult with Financial Advisors: Work with your agent along with financial, estate planning and tax professionals to explore the best options for your situation.
Review Policy and Annuity Options: Consider existing policies and annuities, and explore the possibility of creating new ones if needed.
Update Your Will and Estate Plan: Ensure that your will reflects your legacy giving intentions and is legally sound.
Communicate with Beneficiaries: Discuss your plans with your family and beneficiaries to ensure they understand your intentions and the impact of your gifts.

By thoughtfully planning your legacy giving with life insurance and annuities, you can leave a lasting legacy that reflects your values and supports causes you cherish. This strategy not only benefits charities but can also provide peace of mind to you and your loved ones.

Your Benefits
As an insured GBU member, you have access to LawAssure , an online platform that helps you create a will, power of attorney or trust and file it based on your state. You can also use LawAssure to create and store any instructions for the execution of your will or other information that you would want your loved ones to have.

Choose Your Legacy
Did you know that you can now establish a donor-advised fund with the GBU Foundation ? This type of fund allows you to make regular tax-deductible contributions to your charitable goals and distribute donations to the 501(c)(3) organizations that you choose when you are ready.

GBU Life is the marketing name for GBU Financial Life (GBU), 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227. Life insurance is underwritten and annuities are offered by GBU. Annuities are not short-term products. Products are subject to approval and may not be available in all states. Annuity withdrawals prior to 59½ may be subject to IRS penalties. No statement contained herein shall constitute tax, legal or investment advice, and you should consult with a legal or tax professional for any such matters. GBU Life offers access to services from LawAssure but is not affiliated with them.

Pawprints on My Heart Coloring Contest

Thu, 15 May 2025 12:50:58 GMT

FOR GBU MEMBERS THREE TO NINE YEARS OLD

GBU members between the ages of three and nine years old can enter their colored page in this year's contest, which is themed Pawprints on My Heart.

Three age categories will be judged as follows:

Category I: Ages three and four

Category II: Ages five and six

Category III: Ages seven, eight and nine

Entrants may use crayons, colored pencils, markers or watercolor paints. Entries will be accepted through Monday, August 18, 2025, at 11:59 p.m. EST. The picture on the next page can be reproduced, or copies can be obtained by calling the Community Engagement Team at the GBU Home Office (800-765-4428) or by printing the image above.

Cash Prizes for Each Category

First prize: $75

Second prize: $50

Third prize: $30

How to Enter

Send the three- to nine-year-old GBU member's coloring contest entry with their name and address on the colored page to:

GBU Life

ATTN: Member Benefits

4254 Saw Mill Run Boulevard

Pittsburgh, PA 15227-3394.

Or email contest@gbu.org with "Coloring Contest Entry” as the subject line.

General Information

Judges reserve the right to accept or reject any or all entries. Their decisions will be final. Artwork will be handled at the GBU Home Office with the utmost care. GBU reserves the right to reproduce entries for whatever use it wishes, provided proper credit is given. Permission does not include the sale of such work.

GBU Life's Contributions by Pillar

Tue, 22 Apr 2025 14:41:43 GMT

GBU has designated four Community Pillars – Wellness, Education, Charitable Giving and Hometown Hero Support – which are a concentrated list of causes that resonate with our values.

The financial totals below represent the contributions and support for GBU's four Community Pillars from January 1, 2025, through September 30, 2025. The amounts listed here include donations, sponsorships, volunteer activities and awareness campaigns driven by the GBU members districts, producers and communities.

Coolest Places to Go this Winter

Wed, 05 Feb 2025 20:33:47 GMT

Looking for new spots to explore this winter? Check out these three must-visit places for your next adventure.

Vail: Beaver Creek Ski Area, Colorado
Vail is a stunning ski resort tucked away in Beaver Creek, Colorado. The resort is designed to reflect European-style architecture, leaving you feeling like you’re in an entirely other world. A variety of activities await the whole family, such as hiking, skiing, art, spas, shopping and more! Whether you’re looking for adventure or relaxation, you can have a magical getaway at Vail!

Big Sky Resort: Big Sky, Montana
Looking for a wild winter adventure? You can find it all and more at Big Sky Resort! Snowing almost 24 hours a day, there are just “snow” many opportunities. From a wide range of slopes to ski on, dog sledding and sno-go biking, fun-filled memories are waiting to be made a t Big Sky.

Portland Head Light: Portland, Maine
The cozy town of Portland, Maine is ready to be explored. Portland has a lively art and historical scene, with many museums and art galleries. After a day of discovering Portland culture, grab dinner from one of the many fine seafood restaurants. If you’re not quite ready to end your night, check out one of Portland’s ice bars - a bar made of ice serving refreshing cocktails to close out the perfect day.

The 2025 GBU Foundation Scholarship and Grants

Tue, 21 Jan 2025 22:19:26 GMT

GBU Life (GBU) established the GBU Foundation in 1963 to offer academic scholarships to its members. Through 2024,

the GBU Foundation has awarded over 4,000 scholarships totaling almost $3,000,000 to members attending two-year,

four-year and graduate programs. Visit gbufoundation.awardspring.com for the latest information about GBU Foundation scholarships.

GBU Foundation Scholarships

Freshman Scholarships (4 years)

For eligible GBU members entering four-year programs leading to a bachelor’s degree.
$1,500 per year, renewable for up to three years.

Bert Waltenberger Memorial Scholarship

Applicant must be involved in German-related programs and sports activities to be eligible to receive this award.
$1,500 per year, renewable for up to three years.

Clarence O. Affelt Architecture/Fine Art Memorial Scholarship

Applicant must have a declared major in architecture or the fine arts to be considered for this award.
$1,000 in the first year, with $500 per year, renewable for up to three years.

Two-Year Scholarships (2 years)

For eligible GBU members entering or enrolled in degree, certificate or trade programs up to two years in duration offered by vocational/technical schools, nursing schools, community colleges and similar institutions.
$1,000 per year, renewable for up to one year.

Undergraduate Scholarships (3 years)

For eligible GBU members in college programs leading to a bachelor’s degree.
$1,000 per year, renewable for up to two years.

Graduate Scholarships (2 years)

For eligible GBU members entering or enrolled in college graduate degree programs leading to advanced degrees.
$1,000 per year, renewable for up to one year.

GBU Foundation Grant Awards

All eligible applicants who do not receive a GBU Foundation Scholarship are entered in a random drawing for a predetermined number of one-time $500–$1,000 GBU Foundation grants.

Scholarships Offered to GBU District Members

Fritz Bertz Scholarship (District 510 — Toledo, OH)
District 146 — Johnstown, PA, Scholarship
District 291 — Summerhill-Lilly, PA, Scholarship
District 510 — Toledo, OH, Scholarship
District 1000 — LFA Scholarship
District 2000 — ULS Scholarships
District 3000 — HRFA Scholarship
District 4000 — Sokol USA Milan Getting Scholarship ( Visit sokolusa.org/scholarship to apply.)

GBU District 5000 — IOV Grand Lodge Scholarship

For eligible District 5000 — IOV high school senior members who have received confirmation of acceptance from an institution of higher learning.

Must hold either a junior or senior membership in the IOV for at least six months prior to the date of application.

$1,750 nonrenewable scholarship. Apply November 1, 2024 — March 1, 2025.

High School Freshman Grants

The GBU High School Freshman Grant Program is designed to assist eighth-grade GBU members with associated costs in their transition into the high school curriculum. High School Freshman Grants of $250 are to be used for expenses necessary for the student’s educational needs. For more information, please contact the GBU Foundation at gbufoundation@gbu.org .

Feel Good Food: Comforting Casserole Recipes

Fri, 03 Jan 2025 16:21:58 GMT

FRENCH ONION SOUP CASSEROLE

Ingredients

1/4 cup unsalted butter
5 medium Vidalia onions, thinly sliced (3 pounds)
2 teaspoons kosher salt
1/2 teaspoon black pepper
3 thyme sprigs
2 flat-leaf parsley sprigs
2 bay leaves
1 16-ounce baguette, thinly sliced
1/3 cup all-purpose flour
3 cups reduced-sodium beef broth
1/2 cup sherry
8 ounces Gruyère cheese, shredded (about 2 cups)
1 teaspoons fresh thyme leaves

Directions

Cook onions

Melt butter in a Dutch oven over medium-low heat; add onions, salt, pepper, thyme and parsley sprigs and bay leaves. Cook onions, stirring often, until golden brown, about 1 hour.

Toast baguette slices

Preheat oven to 350°F. Arrange baguette slices in a single layer on a baking sheet. Bake slices for 12 minutes. Set aside.

Bake casserole

Bake in preheated oven 30 minutes. Increase heat to broil and remove foil. Broil until cheese is bubbly, about 3 minutes. Sprinkle with thyme sprigs.

Make sauce

Remove and discard thyme and parsley sprigs and bay leaves from onion mixture. Add flour to mixture, stirring constantly for 2 minutes. Add broth and sherry; bring to a boil over high heat. Stir constantly until slightly thickened, around 2 to 3 minutes.

Assemble casserole

Layer half of the toasted baguette slices in a 9x13 inch baking dish. Spoon onion mixture evenly over bread. Top evenly with remaining baguette slices. Sprinkle with cheese and cover with aluminum foil.

Time & Yield

Active time: 1 hour 20 minutes

Total time: 1 hour 50 minutes

Servings: 6
__________________________________________
SOPAPILLA CHEESECAKE PIE CASSEROLE

Ingredients

Cooking spray
2 8-ounce packages cream cheese, softened
1 3/4 cups white sugar, divided
1 teaspoon Mexican vanilla extract
2 8-ounce cans refrigerated crescent rolls
1/2 cup butter, room temperature
1 teaspoon ground cinnamon
1/4 cup honey

Directions

Make mixture

Beat cream cheese, 1 cup sugar and vanilla extract in a bowl until smooth.

Prepare dough

Unroll crescent roll dough, and use a rolling pin to shape each sheet into a 9x13 inch rectangle. Grease a 9x13 inch baking dish with cooking spray. Then, press one piece of the dough into the bottom of the prepared baking dish.

Assemble casserole

Evenly spread cream cheese mixture on top. Cover with remaining piece of crescent dough. Mash remaining 3/4 cup sugar, butter and cinnamon with a fork. Dot mixture on top of dough.

Bake casserole

Preheat the oven to 350°F and bake until crescent dough has puffed and turned golden brown, about 30 minutes. Remove from the oven and drizzle with honey. Cool completely in the pan for about 2 hours before cutting into 12 squares.

Time & Yield

Active time: 50 minutes

Total time: 2 hours 50 minutes

Servings: 12

Here's 8 Ways to Beat the Winter Blues

Fri, 03 Jan 2025 15:48:51 GMT

Get Outdoors
Simply gazing out your bedroom window can make it harder to fight off the blues– instead, go outside! Taking a brisk walk can provide a dose of mood-boosting vitamin D. So, grab your boots and a pair of sunglasses and get outside!

Prioritize Self-Care
Take the time to focus on activities that nourish your mind and body. Getting a massage, practicing meditation or escaping into the world of literature are ways to create regular moments of relaxation and rejuvenation.

Volunteer
There are many ways you can get involved during the winter months. Consider volunteering at a soup kitchen or homeless shelter. If you love animals, you might consider volunteering your time at a pet rescue. Volunteering is a great way to boost your mental health during the winter.

Find a Workout Buddy
It's much harder to crawl into a winter blues cave if you have an accountability partner. When selecting your workout partner, make sure he or she has similar fitness goals. It’s helpful to know that your partner will motivate you when you need it.

Eat Well
Your diet can significantly impact your mood and energy levels. Stay focused and motivated by eating a well-balanced diet that includes plenty of fruits, vegetables, whole grains, lean protein and healthy fats.

Get Enough Rest
Sleep is essential for physical and mental health. During the winter months, ensure you get enough sleep to recharge your body. If you struggle with sleeping during winter months, try using a device that uses light to wake you up in the morning instead of a loud noise. Or try aromatherapy to help promote a good night’s rest.

Maintain Social Connections
Getting social just might be the right prescription to lift your mood. Call a friend and catch a movie or plan an evening of fun with a competitive game of bowling for some action and laughs.

Harness the Power of Music
Whether you like country, jazz or pop, music has the ability to boost your mood. Studies have shown that music can be used as a treatment for both physical and mental disorders. If you’re feeling down, crank up the tunes and sing along

Money Moves Recent Grads Should Consider

Fri, 03 Jan 2025 15:02:16 GMT

Graduating from college is an exciting milestone, but it’s also the perfect time to focus on your financial future. Building on the foundation you’ve already laid the groundwork for with smart money choices will set you up for long-term success. Here are a few key financial products to consider as you take the next step.

Defined Benefit Annuity: If you want to take charge of your future retirement, starting early is key. Our Defined Benefit Annuity, a system that combines an online tool with our Future Flex Fixed Index Annuity, provides guidance for building a steady income stream for the future.

Whole Life Insurance: Whole life insurance policies not only provide life coverage but also build cash value over time, making them a smart financial decision. If you already have a Youth 3 Pay Life policy with a Guaranteed Purchase Option Rider, stick with it and keep adding to it! You can even borrow against the cash value to help with financial emergencies, a house down payment or other expenses.* If you do not have a Guaranteed Purchase Option Rider, now is a great time to purchase additional whole life insurance to build cash value and/or term insurance to help provide financial security for your loved ones in the future.

Term life insurance can help provide financial protection for your loved ones should you pass away unexpectedly. The death benefit can be used to pay off mortgage, student loan and other debt you may have accumulated as well as provide a memorial and legacy for your loved ones.

Your future starts now! Visit gbu.org and learn how you can set up the financial tools that can help you create a successful legacy.

GBU Life is the marketing name for GBU Financial Life. Life insurance is underwritten by GBU Financial Life (GBU), Pittsburgh, PA 15227. * Loans and withdrawals taken against a permanent life insurance policy will reduce the death benefit and may result in a taxable situation. Policy and features are subject to approval. Riders are optional and have additional fees associated with them. Products not available in all states. Please see policy and rider coverage for complete details. Contract Form Series: ICC23_FPDA_IA_CON_(01-23), FPDA_IA_CON_FL_(07-23), FPDA_IA_CON_(07-23), ICC19-Y3Pay, FL20-Y3Pay, GEN-Y3Pay, ICC20- ART, FL20-ART.2, GEN20-ART, ICC20-ST, FL20-ST.2, GEN20-ST.

Youth 3 Pay Life Insurance

Fri, 03 Jan 2025 14:55:07 GMT

Kick-start your child’s journey to financial success with a whole life policy from GBU Life. GBU’s Youth 3 Pay Life Insurance is permanent life insurance that offers a lifetime of coverage with just three annual payments.

Why Whole Life Insurance?

Cash Value Growth. Whole life insurance policies accumulate cash value over time. This cash value can be borrowed against (with interest) or used to help secure education loans, home down payments or during emergencies. Loans have no fees or penalties.

Dividends. Whole life policies may also earn dividends. These can be used to purchase additional coverage or paid out in cash.

Coverage for Life. Whole life insurance is permanent life insurance. Youth 3 Pay Whole Life gives your child lifetime coverage at a competitive rate.

Member Benefits That Grow with Your Child

With the purchase of a whole life policy, your child becomes a lifetime member of GBU. With that membership comes a suite of member benefits that range from college assistance to special interest groups.

Outstanding scholarship and grant opportunities.
Volunteer programs.
Exclusive access to educational programs and social events.
Language learning reimbursement.

Product Highlights

Face values range from $5,000 to $50,000 for youth ages 0-17.
Policy is fully paid in three annual payments.
Optional riders are available.

Guaranteed Purchase Option Rider: allows periodic purchase of additional coverage, regardless of health, until age 40.
Accidental Death Benefit Rider: pays an additional benefit in the case of a covered accidental death.

GBU Life is the marketing name for GBU Financial Life. Life insurance is underwritten by GBU Financial Life (GBU), Pittsburgh, PA. Policy will mature when insured reaches age 121. Dividend payments are not guaranteed as the assumptions on which they are based are subject to change. A parent or legal guardian must sign the application. If the policy is to be owned by someone other than the parent or legal guardian, the parent or legal guardian must also sign the application. Riders are optional and have additional fees associated with them. Loans and withdrawals taken against a permanent life insurance policy will reduce the death benefit and may result in a taxable situation. Policy and features are subject to approval and may not be available in all states. Please see policy and rider coverage for complete

details. GBU and its agents do not provide tax, legal or investment advice. Please consult with a legal or tax professional prior to the purchase of any contract. Contract Form Series: ICC19-Y3Pay, FL20-Y3Pay, Gen-Y3Pay, ICC19-Mem3Pay, FL20-Mem3Pay, Gen-Mem3Pay.

The Office Trivia

Fri, 03 Jan 2025 14:11:10 GMT

How well do you know the characters from the hit TV series The Office? Watch your reruns and get ready to test your skills in our winter trivia contest!

Monday, January 20, 2025–Friday, February 14, 2025

How to Play

Go to inside.gbu.org/trivia starting on Monday, January 20, 2025, at 8 AM ET and click on the link to the game.
Answer trivia about the hit TV series The Office. You have two minutes to answer as many questions as you can. The faster you answer, the more points you score!
Keep an eye on the leaderboard until the end of the game on Friday, February 14, 2025, at 4 PM ET. The top 10 players on the leaderboard at the end of the game will win a $20 Tango gift card! Tango partners with hundreds of participating retailers and brands, such as Nike, Target and Amazon. All players will be entered in a random drawing for a chance to win a $250 Tango gift card.

Put Your RMD to Work for You

Thu, 02 Jan 2025 19:00:59 GMT

Time to take out your Required Minimum Distribution (RMD)? Did you know you can use your RMD to purchase financial products that can help to secure the future for you, your loved ones or a charitable organization that you care about? Talk to your agent today to discuss options that may be right for you, or request an appointment with an agent by visiting gbu.org .

Use your RMD to

Purchase a whole life policy for your grandchildren
Purchase a policy or annuity that allows you to leave a legacy to a charitable organization that you care about
Make a donation to the GBU Foundation
Set up an education savings account for a grandchild

Purchase a Whole Life Policy for Your Grandchildren
Start your grandchildren on the road to financial success with a GBU membership. GBU's Youth 3 Pay Life insurance is permanent life insurance that offers a lifetime of coverage for just three annual payments. Your grandchild becomes a GBU member and remains a member for as long as the policy is active. GBU members have access to special members-only discounts, events and contests as well as education, volunteer, scholarship and grant opportunities.

Cash Value Growth. Youth 3 Pay Life insurance accumulates cash value that can be borrowed against, with interest or used to help your child secure education loans, help your child secure mortgage down payments or handle emergency situations.
Dividends. Youth 3 Pay Life insurance is expected to earn dividends that can be used to purchase additional paid-up coverage, held with interest or paid out in cash.
Competitively Priced Coverage. Policy face values range from $5,000 to $50,000 for youth of current ages 0–17.

Policy rates are based on age, gender and amount of coverage requested. Policy is paid in full in three annual

payments.

Make a Donation to the GBU Foundation

Your qualified charitable distributions can satisfy all or part of the amount of your Required Minimum Distribution (RMD)

from your IRA. For example, if your 2024 Required Minimum Distribution was $10,000, and you made a $5,000 qualified

charitable distribution for 2024, you would have had to withdraw another $5,000 to satisfy your 2024 RMD.

How it Works

You can make a tax-deductible donation of all or part of your RMD to the GBU Foundation.
Send the donation to 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227-3394 in the form of a check made out to the GBU Foundation.
We will send you back a letter acknowledging the amount donated.
Let your tax preparer know that you made the donation, and they will need to report it on your 1099-R form, 1040 form and form 8608 with your 2024 taxes.

For more information on how to satisfy your RMD with a charitable donation, consult your tax preparer or CPA.

Tax info is provided by H2R CPA. H2R CPA is a full-service accounting and business advisory firm celebrating over 60 years serving closely held businesses, nonprofit organizations and High Net Worth individuals. The team specializes in

comprehensive tax, assurance and business consulting services. GBU Life does not provide tax advice. You should consult with a legal or tax professional for any such matters

GBU Life is the marketing name for GBU Financial Life. Life insurance underwritten and annuities offered by GBU Financial Life (GBU), 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227. Dividends are not guaranteed. A parent or legal guardian must sign the application. If the policy is to be owned by someone other than the parent or legal guardian, the parent or legal guardian must also sign the application. Riders are optional and have additional fees associated with them. Product not available in all states. Please see policy and rider coverage for complete details. Contract Form Series: ICC19-Y3Pay, FL20- Y3Pay.

The Ultimate Guide: the Most Useful Items for Traveling

Fri, 06 Dec 2024 16:15:44 GMT

Traveling can be one of life’s greatest joys. However, packing smart can make or break your experience. With so many gadgets and accessories out there, figuring out what’s truly useful can be overwhelming. To help you streamline your packing list, here’s a guide to the most useful travel items that will enhance your adventures.

1. The All-Purpose Carry-On Bag

A durable, well-organized carry-on bag is essential.

Look for one with:

Compartments: separate sections for clothes, electronics and toiletries
Durability: waterproof or water-resistant materials for unexpected weather
Mobility: wheels and an adjustable handle for easy transport

This is a must-have item because it saves you from waiting at baggage claims and prevents lost luggage during flights.

2. Travel-Friendly Toiletry Kit

Opt for a compact, TSA-approved toiletry kit with refillable travel-size bottles. Bonus points if it comes with a hook for easy hanging in small hotel bathrooms.

Tip: keep a separate mini toiletry bag in your carry-on with essentials like toothpaste, face wipes, and lip balm to freshen up during long journeys.

3. Portable Charger and Universal Adapter

Staying connected is crucial for navigation, translating apps and emergency calls. A reliable power bank ensures your devices stay charged, especially during long flights or train rides. Pair it with a universal adapter to charge your gadgets no matter the country you’re visiting.

4. Packing Cubes

Packing cubes help you stay organized by categorizing your clothes and accessories. They also maximize space in your luggage.

5. Travel Insurance and Document Organizer

Keep all your travel documents—passport, visas, insurance and itinerary—in a waterproof organizer. This can be as simple as a resealable sandwich bag.

6. Reusable Water Bottle

Remember to stay hydrated! Plus, a water bottle with a built-in filter ensures you have safe drinking water even in remote areas.

7. Noise-Canceling Headphones

Whether you’re on a noisy plane or staying in a bustling city, noise-canceling headphones can be a lifesaver. Invest in lightweight, wireless options for added comfort.

8. Eye Mask

For long-haul flights or train rides, a comfortable eye mask can help you get some rest.

9. Compact First Aid Kit

Accidents and illnesses can happen anytime. A small first aid kit stocked with band-aids, pain relievers, antiseptic wipes and any personal medications is a must.

Tip: add items like motion sickness tablets and electrolyte packs for extra preparedness.

10. Multi-Function Travel Jacket

Look for jackets with built-in storage—many designs come with hidden pockets for passports, phones, and even water bottles! These jackets are perfect for streamlining your essentials.

Tip: if you’re going somewhere with a cold climate, consider bringing a large scarf that can also double as a blanket or wrap.

11. Daypack or Sling Bag

A small, secure bag for day trips is essential. Choose one with anti-theft features like lockable zippers or RFID-blocking technology to protect your valuables.

12. Versatile Footwear

Depending on your itinerary, pack a pair of lightweight walking shoes, sandals and waterproof boots. Opt for neutral colors and comfortable designs to match various outfits.

Packing the right items makes your journey smoother and more enjoyable. Start with these essentials, and tailor them to your destination and travel style. Remember, the key to efficient packing is quality over quantity. Remember to focus on versatile, durable and practical items that suit your needs!

Cozy Recipes for Chilly Weather

Mon, 02 Dec 2024 15:25:30 GMT

These four cozy recipes can warm up even the coldest days. Enjoy a steaming bowl of ramen, chipotle chili and more.

Ramen
Directions

Heat 1 tablespoon oil in a Dutch oven over medium-high heat. Add onion and sauté until softened, about 5 minutes. Add garlic and ginger and cook for an additional 30 seconds. Add rice vinegar, soy sauce, oyster sauce, mirin, fish sauce and Sriracha sauce and stir. Add chicken broth and water and bring to a boil. Reduce the heat and simmer for 5 minutes. Stir in bok choy and chicken; simmer until bok choy is tender for 2 minutes. Cover, keep warm.
Fill a large pot with lightly salted water and bring to a rolling boil. Add ramen noodles and return to a boil. Cook uncovered until noodles are tender yet firm to the bite, 5 to 7 minutes. Drain and drizzle with remaining 1 tablespoon oil to prevent sticking.
While the ramen is cooking, fill a pot with enough water to cover the eggs and bring to a boil. Gently lower eggs into the boiling water and cook until yolks are barely set, about 7 minutes.
Fill a large bowl with ice water. Transfer eggs to the ice bath and let sit about 3 minutes. Drain eggs, peel and slice in half.
Divide ramen between four bowls. Add broth and top with jalapeño, green onions, cilantro and soft-boiled egg halves. Serve immediately.

Time + Yield

Prep time: 30 minutes
Cook time: 35 minutes
Total time: 1 hour 5 minutes
Yield: 4 servings

Ingredients

2 tablespoons vegetable oil, divided
1 medium onion, thinly sliced
3 cloves garlic, minced
1 tablespoon freshly grated ginger
½ cup rice vinegar or to taste
½ cup reduced-sodium soy sauce
2 tablespoons oyster sauce
2 tablespoons mirin
1 tablespoon fish sauce
1 tablespoon Sriracha sauce
4 cups low-sodium chicken broth
1 cup water
¾ pound baby bok choy, quartered lengthwise
1 cooked chicken breast, shredded
3 (3 ounce) packages dried
ramen noodles
4 eggs
1 jalapeño pepper, sliced
2 green onions, chopped
¼ cup chopped cilantro

Potato Pancakes
Directions

Combine eggs, flour, baking powder, salt and pepper in a large bowl and beat the ingredients. Then, stir in potatoes and onion. Heat oil in a large skillet over medium heat. Drop heaping tablespoonfuls (don’t be shy) of potato mixture into hot oil in batches. Press with a spatula to flatten the mixture into a pancake. Cook the pancake until browned and crisp, about 3 minutes on each side. Transfer to a paper towel–lined plate to drain excess grease from the pancake. Repeat steps with remaining potato mixture. Serve immediately with a tablespoon of sour cream and scallions.

INGREDIENTS

2 large eggs

2 tablespoons all-purpose flour

¼ teaspoon baking powder

½ teaspoon salt

¼ teaspoon pepper

6 medium potatoes, peeled and

shredded

½ cup finely chopped onion

¼ cup vegetable oil

¼ cup chopped scallions

6 tablespoons sour cream

TIME + YIELD

Prep time: 20 minutes

Cook time: 25 minutes

Total time: 45 minutes

Yield: 6 servings

Fun Winter Indoor Activities for the Whole Family

Wed, 20 Nov 2024 15:30:48 GMT

When the cold winds blow and snow blankets the ground, it’s tempting to stay snuggled up at home. Winter is a perfect time to bond with family and create cozy, memorable moments indoors. From fun games to creative crafts, here are some top indoor activities to bring everyone together and beat the winter blues.

1. DIY Hot Chocolate Bar

Transform a chilly day into a warm celebration with a DIY hot chocolate bar! Set up a station with different hot chocolate flavors such as classic, white chocolate, and peppermint. Arrange toppings like marshmallows, whipped cream, chocolate chips and crushed candy canes, and let everyone build their own perfect cup. Don’t forget mugs and spoons for stirring! This cozy treat is an instant crowd-pleaser and perfect for kids and adults.

2. Family Game Night

Nothing brings out the laughter quite like a family game night. Choose classic board games, such as Monopoly, Scrabble, or Uno, or introduce the family to new favorites. For something a little more active, try charades or Pictionary. Family game night is a wonderful way to create lasting memories and get everyone laughing and working together.

3. Indoor Scavenger Hunt

Bring a touch of adventure to your home with an indoor scavenger hunt. Create a list of items for everyone to find around the house, such as a red sock, a spoon, a toy car or a book with animals. Add a few clues to make the hunt more challenging for older kids. You could even set up small prizes for each completed item or team up for a race to the finish. It’s a fantastic way to get moving and spark some family-friendly competition.

4. Movie Marathon and Blanket Forts

Turn your living room into a cozy movie theater! Build a blanket fort with sheets and cushions, dim the lights and stack up plenty of pillows. Choose a family-friendly movie theme, like animated classics or holiday favorites, and line up a few films to watch back-to-back. Pop some popcorn, add a few cozy blankets and enjoy a relaxing movie marathon together. This warm and cozy setup makes movie-watching extra special.

5. Baking Extravaganza

Winter is the perfect time to bake delicious treats as a family. Pick a simple recipe like chocolate chip cookies, brownies or cupcakes. Let everyone take part; have one person measure, another stir and someone else decorate. If you’re up for a challenge, try a themed baking activity like decorating cookies as snowmen or building a gingerbread house. The best part? You get to enjoy tasty treats together after all your hard work.

6. DIY Craft Day

Get creative with a DIY craft day! Gather materials like colored paper, markers, glue and stickers, and let everyone make their own winter-themed crafts. Snowflakes, paper garlands and handmade cards are easy, fun crafts that everyone can personalize. For a little extra flair, try making homemade ornaments or decorating picture frames to hold your favorite family photos. Crafting is a wonderful way to slow down and enjoy some hands-on fun.

7. Puzzle Challenge

If your family loves a challenge, try working on a big jigsaw puzzle together. Puzzles are great for problem-solving and teamwork, and there’s something incredibly satisfying about seeing the pieces come together. Choose a winter-themed puzzle or one with a scene that makes you think of warmer days. Spread out a cozy blanket, grab some snacks, and work together to complete it over the weekend.

These indoor activities make wintertime feel extra cozy, turning even the coldest days into opportunities for family bonding. Whether you’re baking, crafting, or having a game night, winter offers the chance to create special memories together. So grab some hot cocoa, gather your loved ones and make the most of your indoor winter wonderland!

Welcome Home with Operation Troop Appreciation

Wed, 13 Nov 2024 22:03:10 GMT

Since its launch in 2014, the Welcome Home program by Operation Troop Appreciation (OTA) has become a beacon of support for veteran families, impacting thousands who’ve bravely served but now face the challenges of civilian life. The program fills a crucial gap by helping prevent homelessness and poverty among veterans and providing much-needed assistance as they establish new lives.

For veterans, reintegrating into civilian society can be daunting, particularly for those experiencing poverty or homelessness. Often, these veterans re-enter society with very little. Here, OTA steps in to offer a “hand-up”—not just assistance, but a warm welcome, ensuring they have essentials to build a stable, comfortable home.

A Tradition of Warmth and Comfort

Moving into a new home is typically celebrated with housewarming gifts to ease the transition. Inspired by this tradition, OTA’s Welcome Home program offers veterans more than just symbolic gifts. Essential household items, such as a sturdy bed, mattress and other key home essentials, are provided to each family. These aren’t just items; they’re foundational to helping veterans feel secure, well-rested, and truly “at home.”

Collaborating with PAServes for Comprehensive Support

Welcome Home collaborates with PAServes, a network dedicated to serving veterans’ needs comprehensively, to reach veterans facing housing instability. Through this partnership, OTA provides not only goods but also coordinated resources to meet each family’s unique needs, working to offset the often-overwhelming expenses tied to establishing a household from scratch.

Moving Forward Together

OTA’s Welcome Home program is about much more than providing beds or basic items. It’s a powerful expression of community support, saying to each veteran, “Welcome home, and thank you for your service.” By helping to establish a sense of stability and comfort, OTA empowers veterans and their families to embrace new beginnings with dignity.

Learn more about OTA's Welcome Home program here .

Salute to Our Veterans

Thu, 07 Nov 2024 16:55:44 GMT

In honor of Veterans Day, GBU compiled a blog featuring those who have served our country. GBU members were invited to share stories of the veterans in their lives, helping to honor their service and sacrifices and ensuring their legacy is remembered and celebrated. We appreciate your contribution in helping us pay tribute to these brave individuals.

Veteran's name: Thomas Cunningham

Military branch: Army, Green Beret

Description submitted by: Priscilla Forte

It was August. I was home for the summer when all of a sudden two soldiers appeared at our front door. They came to give my dad the news that my brother had been killed in action in Vietnam. My Dad said no he is not dead, and after the soldiers left contacted a state senator. As it turned out, due to many heroic efforts my brother was alive ... badly wounded (lost his leg) ... but alive. He received the Silver Star Medal for his bravery and actions.

Veteran's name: Russell Richert

Military branch: Army

Description submitted by: Richard Richert

My uncle landed on Omaha Beach on D-Day. Throughout his service he was wounded seven times.

Veteran's name: Johann Krenzer

Military branch: Navy, submarine force
Years of service: 1954-1959 (active duty), 30 years of military reserve

Description submitted by: Marianne Krenzer

Johann joined the Navy submarine force in 1954, serving four years active duty and 30 years reserve. He has been actively involved with the veterans as a bugle player at the funerals, in addition to building and grounds upkeep at Post 1146 in St. Clair Shores. A few years ago he joined the USSVI Wolverine Base, a group of current and former submariners who meet monthly.

Veteran's name: Paul J. Neiswonger

Military branch: Army

Description submitted by: Kenneth Neiswonger

My older brother Paul served in the Army for 22 years. He fought in Korea and the Vietnam War. He served three years of duty in the Vietnam War as a gunner on the helicopters who were sent out to bring back the wounded. He was surely my hero.

Veteran's name: Mike Kasprzak

Military branch: Navy
Years of service: 1965-1967

Description submitted by: Mike Kasprzak

I enlisted in the Navy in 1965 and worked with my shipmate Stew for two years on the USS Ranger (CVA-61). Stew and I worked in the same office for two years and have become longtime friends. I visit Stew in Rancho Cucamonga, CA, a few times a year and we email each other daily. Both of us attend the Rancho High School veterans program (Rancho Remembers) and speak with students about military experiences. Stew and I are the only two veterans on the Ranger who had same jobs in the same office and have remained friends since 1965.

Veteran's name: John Ramsey

Military branch: National Guard
Years of service: 1969-1975

Description submitted by: John Ramsey

A Simple Guide to Practicing Gratefulness

Mon, 04 Nov 2024 20:51:12 GMT

In a world filled with busy schedules, digital distractions and seemingly endless goals, it can be easy to forget to pause and appreciate what we already have. Practicing thankfulness is a simple yet profound way to bring more joy into our lives. Studies have shown that cultivating a sense of gratitude can improve mental and physical health, increase resilience and foster more positive relationships. Here are some practical ways to bring thankfulness into your daily routine.

1. Start a Gratitude Journal

One of the most effective ways to practice thankfulness is through a gratitude journal. This doesn’t have to be anything fancy; a simple notebook or even an app on your phone will work. Each day, take a few moments to jot down three things you’re grateful for. They can be small things, like a cozy cup of tea, or big moments, like celebrating a milestone at work. Writing these down helps to reinforce positive experiences and trains your brain to notice more of the good in your life.

If you’re just starting, try listing things you’re thankful for in different categories such as relationships, personal achievements, physical health and even setbacks that taught you a valuable lesson. Revisiting these entries over time can offer a powerful reminder of all the blessings that add up to a rich life.

2. Practice Mindful Moments

Mindfulness and gratitude often go hand in hand. By practicing mindfulness, you learn to be present in each moment, which allows you to fully appreciate life’s experiences. Throughout your day, take a few seconds to pause and notice your surroundings, senses and emotions. Feel the warmth of the sun, listen to the laughter of loved ones or savor the aroma of your morning coffee. When we slow down and truly experience each moment, we create space to feel more thankful for what is right in front of us.

You can also try “mindful gratitude” during your morning routine or before bed. For instance, while brushing your teeth, take a moment to appreciate having clean water, a toothbrush or good health. These tiny but intentional moments can turn regular routines into reminders of gratitude.

3. Express Thanks to Others

Saying “thank you” may sound simple, but it’s one of the most impactful ways to practice thankfulness. Expressing gratitude to others not only strengthens relationships but also deepens your sense of connection and belonging. Write a thank you note, send a quick message or verbally acknowledge the efforts of those around you. If someone goes out of their way to help or support you, let them know how much you appreciate it. This act of gratitude doesn’t just benefit them; it also uplifts you and fosters a more supportive community around you.

A creative way to express thanks is by keeping a list of people who have positively impacted your life, from teachers and mentors to friends and family members. Try reaching out to one person from this list each week to share your appreciation.

4. Reframe Challenges as Lessons

It’s natural to feel grateful for positive experiences, but gratitude can also help us cope with challenges. When faced with a difficult situation, take a moment to reflect on what you might learn from it. Maybe it’s teaching you resilience, patience or a new perspective. Reframing challenges in this way can help you develop a grateful mindset, even in hard times.

Consider writing about these experiences in your gratitude journal. Acknowledging them as part of your growth can transform how you view adversity and increase your overall resilience.

Practicing thankfulness doesn’t require huge amounts of time or elaborate rituals. It’s about shifting your focus, appreciating what you have and creating a mindset that recognizes life’s beauty. Through gratitude, we can build a richer, more fulfilling life—one grounded in positivity, resilience and genuine joy. So take a moment and embrace the small blessings that color your world.

5 Ways to Organize Your Home This Winter

Tue, 29 Oct 2024 16:42:41 GMT

As winter rolls in and the days grow shorter, it’s a perfect time to shift focus indoors and tackle some organization projects. Organizing doesn’t just make your space more functional—it also enhances comfort during the chilly season. Here are five effective strategies to organize your home this winter.

1. Declutter Winter Gear

Coats, scarves, gloves, hats and boots can easily pile up near the entryway, creating clutter and making it harder to find what you need. Start by setting up a designated area for winter items. Use hooks, cubbies or baskets to store essentials so they’re easily accessible but kept tidy. You can hang hooks for coats and scarves or place a bench with storage bins underneath for hats and gloves.

It’s also a great time to evaluate each item; discard worn-out gloves and recycle or donate anything you didn’t use last year. Keeping only the gear you use frequently will free up space and reduce clutter.

2. Refresh Your Kitchen Pantry

With more cooking and baking happening indoors, winter is a great time to clean out and organize your kitchen pantry. First, take everything out and check expiration dates, discarding expired items. Once the shelves are empty, give them a good cleaning.

Use clear containers to store pantry staples like flour, sugar, rice and pasta, which keeps food fresh and makes it easy to see when supplies are low. Label containers for easier access, and organize items by category (i.e., baking supplies, canned goods, snacks). A well-organized pantry can save you time while cooking and make it easier to maintain throughout the season.

3. Optimize Closet Space

Bulky winter clothing like sweaters, jackets and boots take up more closet space. To make room, consider using vacuum-sealed bags to store out-of-season items such as summer clothes and linens, freeing up closet space for thicker winter garments. Organize your clothes by type and color to make it easier to put together outfits.

Consider adding a shelf or rack in your closet specifically for winter footwear and accessories. Stackable bins or clear storage boxes can help keep everything from scarves to winter socks neatly stored and easily accessible.

4. Create a Cozy Living Space

As we spend more time indoors in winter, the living room often becomes the heart of the home. Organize your space by decluttering surfaces like coffee tables and shelves, leaving room for seasonal touches like candles, blankets or decorative books.

Invest in a few storage baskets or bins to hold items like blankets, magazines and remote controls. Fold or roll blankets and keep them in a basket for easy access. This setup not only keeps things organized but adds a cozy touch, making it easy to settle in for a movie night or evening with a good book.

5. Tackle the Home Office

If you work from home, winter is an ideal time to reorganize your home office. Start by sorting through your paperwork; shred or recycle old documents and file away what you need. Utilize desk organizers or drawers to store supplies so that your desk remains clutter-free.

Digital organization is just as important. Clean up your desktop, organize your files and delete unnecessary emails. A tidy, well-organized workspace will help you stay focused and productive, even on the coldest winter days.

Winter organization doesn’t have to be overwhelming. By focusing on key areas and creating designated storage solutions, you can make your home a welcoming and functional space all season long. Whether it’s decluttering winter gear or creating a cozy living space, these tips will help you enjoy a more organized home this winter.

7 Tips to Get Your Home Ready for Winter

Mon, 28 Oct 2024 21:25:42 GMT

As temperatures drop, preparing your home for winter can make a world of difference in comfort and cost. Winterizing is about sealing in warmth, protecting against winter wear and optimizing your heating system. Here are some practical steps to winterize your home, helping you stay cozy and save on energy bills all season long.

1. Seal Windows and Doors

Windows and doors are major culprits of heat loss, which leads to higher energy costs and a colder home. Here are a few ways to keep them secure and draft-free:

Apply weatherstripping: adding adhesive-backed foam weatherstripping around doors and windows can block drafts and prevent cold air from seeping in. Weatherstripping is easy to install and usually inexpensive.
Install window insulation film: this clear, plastic film can be applied over windows and adds an extra layer of insulation. It’s nearly invisible once installed and can keep warm air from escaping.
Add door sweeps: drafty doors can be secured with door sweeps, which prevent cold air from sneaking in through gaps at the bottom of doors. Door sweeps are simple to install and cost-effective.

2. Insulate Your Attic and Walls

Proper insulation is one of the best ways to keep your home warm and energy-efficient. Attics, in particular, can be a major source of heat loss, so checking insulation there is essential.

Upgrade attic insulation: if your attic insulation is outdated or insufficient, consider adding a fresh layer. Fiberglass and foam insulation are popular choices for maintaining heat.
Insulate walls and basement: if you have an older home, adding insulation to walls and basement areas can provide significant heat retention. Insulated wall panels or even foam boards can be great options for improving warmth.
Seal gaps around pipes and ducts: areas where pipes, ducts or vents penetrate walls should be sealed with caulk or foam spray insulation to prevent warm air from leaking out and cold air from getting in.

3. Prepare the Heating System

Ensuring your heating system is efficient and in good shape will save money and reduce the risk of system failure when it’s needed most.

Schedule a furnace inspection: an HVAC professional can check for leaks and other issues in your furnace. Regular maintenance ensures it runs efficiently and lasts longer.
Replace air filters: dirty air filters force your heating system to work harder, increasing energy costs. Replace them every one to three months to ensure optimal airflow.
Consider a programmable thermostat: programmable thermostats let you set temperatures according to your daily schedule. You can lower the heat when you’re asleep or away, reducing energy use without compromising comfort.

4. Protect Your Pipes

Frozen pipes are a common winter hazard that can lead to costly water damage. Protect your pipes with these simple measures:

Wrap pipes with insulation sleeves: pipe insulation sleeves are an easy, effective way to keep pipes warm and prevent them from freezing. Focus on exposed pipes in colder areas, such as the basement, attic and garage.
Drain outdoor faucets and hoses: disconnect hoses from outdoor faucets and drain them completely. Cover outdoor faucets with insulated covers to protect them from freezing temperatures.
Let faucets drip on cold nights: if temperatures are forecasted to drop below freezing, allow faucets connected to exposed pipes to drip slowly. This relieves pressure and helps prevent pipes from freezing.

5. Check Your Roof and Gutters

Winter weather can be hard on your roof and gutters. Before it gets icy, take the time to inspect and clean them.

Clean the gutters: clogged gutters can lead to ice dams, which cause water to back up and potentially damage your roof. Clean out leaves and debris to ensure proper drainage.
Inspect for roof damage: look for missing shingles, cracks or other damage that could allow water and cold air to seep in. If necessary, consider hiring a professional to repair any issues before winter arrives.
Install gutter guards: gutter guards help keep debris out of gutters, reducing the risk of clogs. They also minimize ice dam formation, protecting your roof from winter water damage.

6. Reverse Ceiling Fans

If you have ceiling fans, take advantage of their ability to circulate warm air. Most ceiling fans have a switch that allows them to run in reverse, which pushes warm air that rises back down into the room. This simple trick can make a noticeable difference in comfort.

7. Add Insulated Window Treatments

Thick, insulated curtains or blinds can act as an extra layer of insulation on windows. These treatments help keep heat inside while blocking cold drafts from entering your home. They also add a cozy aesthetic to your winter decor.

Following these winterizing tips will create a warmer, more comfortable living environment and also help to save money. Most winterizing tasks can be done in a weekend and the long-term benefits make them well worth the effort. Stay proactive, protect your home and enjoy a cozy winter indoors!

Thanksgiving Travel Tips

Tue, 15 Oct 2024 18:04:29 GMT

Here are a few handy tips to keep in your back pocket while traveling for Thanksgiving.

Snacks & Activities
Travel delays are common during Thanksgiving, so be prepared with snacks, drinks and entertainment. Packing your own food will save money and help avoid long lines at airport restaurants or rest stops. Bringing books or downloading content on your preferred electronic device can make any unexpected downtime more enjoyable.

Tip 1: For flights, bring an empty water bottle through security. Fill it up once you're past the checkpoint to stay hydrated. Plus, you’ll eliminate extra spending on high-priced drinks.

Tip 2: If you’re traveling in a vehicle and space permits, consider packing a cooler with lunchmeat, cheese and condiments to make sandwiches while on the road. Remember to leave some room in the cooler for your iced coffee!

Pack Light

Whether you’re flying or driving, pack strategically to minimize stress. Airlines often experience higher rates of lost luggage during busy holiday periods, so try to fit everything into a carryon. This also allows for faster check-ins and avoids waiting at the baggage claim. For drivers, ensure your car is safely packed with everything you need, including snacks, blankets and entertainment.

Stay Connected

During peak travel times, flight delays and cancellations can happen unexpectedly. Stay connected to your airline through

their app, social media or text alerts. For road trips, ensure your phone is fully charged, and remember to bring a portable

charger.

Fall Fitness Ideas

Mon, 14 Oct 2024 21:27:47 GMT

Fall is one of the most beautiful times of the year. It can also be one of the busiest times of the year with the kids

going back to school. Here are a few fall activities that can also serve as a workout.

Apple Picking
You can spend hours walking the apple orchard, looking for the perfect apples, all while burning a

ton of calories. Apple picking also requires overhead stretching, which is good for mobility.

Backpacking
For avid hikers, fall’s cooler temperatures provide ideal hiking conditions. The physical demands of outdoor exploration will keep you active. Fall provides for an immersive experience that allows you to disconnect from technology and reconnect with nature.

Outdoor Bootcamps
Many fitness trainers offer outdoor bootcamps in the fall. These workouts are high intensity and usually incorporate weights, resistance bands and bodyweight exercises. Working out in a group setting is a great way to make new friends, and they ultimately make the workout more enjoyable.

Leaf Raking
Turning a chore into a workout can be surprisingly effective. Raking leaves is a full-body exercise. It incorporates your arms, legs and core, and it also helps to improve cardiovascular function. It’s a great way to keep the yard tidy and keep you active. Just make sure to maintain proper form to prevent strain.

How to Show Someone You Care Through Text

Tue, 24 Sep 2024 21:05:20 GMT

In today’s digital world, where conversations often happen through text messages rather than face-to-face, expressing care and affection can sometimes feel tricky. A thoughtful text can bridge emotional gaps, brighten someone’s day and convey feelings that words spoken aloud sometimes can’t. Here are several ways to show someone you care through a simple text message.

1. Be Genuine and Personal

Authenticity is key when showing you care. Generic messages like "Hope you're well" can feel hollow if they lack personal context. Instead, tailor your text to the person you’re writing to. For instance, if you know they have an important meeting, you could say, “Good luck in your meeting today! I know you’ll do great!” This not only shows that you’re thinking of them but also that you’re paying attention to their life.

2. Use Compliments Thoughtfully

A sincere compliment can go a long way. Texts like, “You always know how to make me smile. I really appreciate you,” or “Your advice always helps me see things more clearly. Thank you!” show that you value them and their presence in your life. The key is to focus on specific traits or actions rather than generic statements.

3. Send Encouraging Words

Life can be overwhelming, and everyone appreciates a reminder that they’re not alone. A text like, “I’m here if you need to talk,” or “You’ve got this, and I believe in you,” can provide comfort and encouragement. These messages show that you’re invested in their well-being and willing to support them through challenges.

4. Share Memorable Moments

Sharing a fond memory can rekindle a sense of connection and warmth. For instance, “I just passed by that café where we had the best lattes last year. Thinking about how much fun we had!” These messages remind the other person of the bond you share, making them feel valued and cherished.

5. Check-In Regularly

Consistency is crucial in building and maintaining relationships. A quick check-in text like, “How’s your day going?” or “Thinking about you—how are you doing?” lets the person know they’re on your mind. Even if they’re busy, they’ll appreciate the gesture and know that you care.

6. Use Emojis and GIFs Wisely

Emojis and GIFs can add a playful or emotional touch to your messages. A heart ❤️, a smile �� or a hug �� emoji can convey warmth and care without needing a lot of words. However, balance is key and overusing them might dilute the sincerity of your message.

7. Express Gratitude

Expressing thanks shows that you don’t take the other person for granted. A simple message like, “Thanks for always being there for me. It means a lot,” can make someone’s day and deepen your connection. Gratitude helps nurture positive relationships and shows that you recognize their contributions to your life.

8. Acknowledge Their Feelings

If someone has shared something personal or is going through a tough time, acknowledging their emotions is a powerful way to show you care. Instead of trying to fix their problems, offer empathy with texts like, “I can’t imagine how hard that must be, but I’m here for you,” or “That sounds really tough. Let me know if there’s anything I can do.”

9. Celebrate Their Wins

Whether big or small, celebrating someone’s achievements shows you’re genuinely happy for them. Texts like, “Congrats on finishing your project—you worked so hard for this!” or “I’m so proud of you for reaching that goal!” highlight your support and enthusiasm for their success.

10. Send a Random “Thinking of You” Message

Sometimes, a simple text saying, “Hey, you crossed my mind today. Just wanted to say hi and hope you’re doing well,” can make someone’s day. These unexpected messages remind people that they’re important to you, even when there’s no particular occasion to prompt the text.

11. Be Attentive and Respond Promptly

When someone texts you back, being attentive and responding promptly shows respect and care for their time and feelings. Even a brief acknowledgment like, “I’m busy right now, but I’ll get back to you soon,” demonstrates that you value the conversation.

Texting is a powerful tool for maintaining relationships and showing care. While it may lack the depth of in-person interactions, the thoughtfulness behind your words can create meaningful connections. Remember, it’s not always about writing the perfect message—it’s about making the effort to reach out and being present.

The next time you pick up your phone, try sending a heartfelt message to someone you care about. You might be surprised at how much impact a few kind words can have!

Your Ultimate Fall Camping Checklist

Mon, 23 Sep 2024 20:10:40 GMT

Fall camping offers a different experience from summer trips. The changing leaves, crisp air and serene atmosphere make it a prime time to explore the outdoors. However, the season also brings cooler temperatures and unpredictable weather, making preparation key to a successful adventure. To ensure you’re ready for everything autumn throws your way, here’s the ultimate fall camping checklist.

Clothing Essentials

Fall weather can vary drastically throughout the day, from chilly mornings to warm afternoons and back to cold nights. Layering is your best friend for this reason.

Base layers: choose moisture-wicking materials like merino wool or synthetic fabrics to keep sweat away from your skin while retaining warmth. Avoid cotton, as it absorbs moisture and dries slowly.
Mid layers: pack insulating layers like fleece or down jackets to provide warmth. These should be easy to add or remove as the temperature changes.
Outer layers: a waterproof and windproof jacket is essential for protection against rain and wind. Look for jackets with breathable fabrics to avoid getting overheated.
Hats and more: Remember a warm hat, gloves and a neck gaiter or scarf. These small items can make a huge difference in staying comfortable during chilly mornings and evenings.
Extra socks and footwear: Bring multiple pairs of socks (preferably wool) to keep your feet warm and dry. Consider waterproof hiking boots or insulated shoes for colder weather, and pack camp shoes for when you’re lounging around the site.

Camping Gear

Your standard summer camping setup might not cut it for fall’s cooler temperatures and potential storms. Here’s what you need to stay safe and comfortable.

Tent: choose a sturdy, weather-resistant tent with a solid rainfly. Make sure it’s in good condition and that you have all necessary stakes to secure it against strong winds.
Sleeping bag: opt for a sleeping bag rated for lower temperatures. A 3-season or cold-weather sleeping bag should be adequate, but check the specific temperature rating to ensure it matches the expected lows.
Sleeping pad: a good sleeping pad not only adds comfort but also insulates you from the cold ground. Look for insulated or self-inflating sleeping pads designed for cooler weather.
Ground tarp: lay down a ground tarp or footprint under your tent to provide an additional layer of protection from moisture and cold seeping through the floor.
Camp chair: a foldable, portable camp chair makes relaxing by the fire much more enjoyable. Choose a model with insulation or padding for extra warmth.

Cooking and Eating Supplies

Fall camping cuisine is all about hearty, warming meals to keep your energy levels up and your body warm.

Camp stove and fuel: campfires may not always be allowed or reliable, especially in wet weather. Bring a portable camp stove and enough fuel for all your meals.
Cookware and utensils: pack pots, pans and cooking utensils suitable for the meals you plan to prepare. Don’t forget a sturdy knife, spatula and ladle for more complex dishes.
Food storage: store all food in bear-proof containers or hang it in a tree at night if you’re in bear country. Even in less bear-prone areas, fall animals are busy foraging for food, so proper storage is a must.
Insulated food and beverage containers: hot drinks like coffee, tea or cocoa are a lifesaver on cold mornings and evenings. An insulated mug or thermos will help keep them warm for longer.
Cooler: while fall temperatures are lower, a cooler is still essential to keep perishables fresh, especially if you’re camping for multiple days.

Health and Safety Items

Fall camping comes with its own set of health and safety challenges. Be prepared for the unexpected with these items.

First-aid kit: a well-stocked first-aid kit is a camping essential for treating minor injuries, burns and bites. Double-check that it includes all necessary supplies and replenish anything you’ve used.
Firestarter: fall’s damp conditions can make starting a fire challenging. Bring waterproof matches, a reliable lighter and fire starter materials like dry kindling or fire-starting bricks.
Water filtration system: even if you’re camping near a water source, it’s important to filter or purify all water before drinking. Pack a portable water filter, water purification tablets or a UV purifier.
Headlamp and extra batteries: fall days are shorter, meaning you’ll likely be spending more time in the dark. A headlamp keeps your hands free while illuminating your path, and extra batteries ensure you’re not left in the dark.

Fun and Entertainment

While the goal of camping is to enjoy the outdoors, having a few fun items along for the trip can enhance the experience.

Binoculars: fall is prime time for wildlife watching. Bring binoculars to spot birds, deer, or other animals from a distance.
Camera: capture the beautiful fall foliage and moments of your adventure with a camera. A smartphone camera will do, but a DSLR or mirrorless camera will offer better quality for serious photography.
Games: card games, travel-sized board games or simple outdoor games like cornhole or frisbee are fun ways to unwind with fellow campers.

Fall camping can be an incredible way to enjoy nature’s beauty while escaping the busyness of everyday life. With the right gear and preparation, you can fully embrace the season without being caught off guard by the weather. Use this checklist to ensure you’re well-prepared, allowing you to relax and immerse yourself in the stunning autumn landscapes.

Fall Bucket List Activity: Utilizing a GBU Give Back Group

Thu, 29 Aug 2024 19:38:20 GMT

In today’s fast-paced world, it's easy to get caught up in the hustle and bustle of daily life. And once fall begins, there’s no slowing down!

Many people like to create a fall bucket list full of fun activities to accomplish during the autumn season. If this is something you like to do, we have an idea to add to your lineup ... a GBU Give Back Group!

What is a Give Back Group?

If you are working to raise funds for an organization that impacts your local community, GBU will match the funds your group raised up to $1,000 per insured GBU member or $500 per social member to a maximum of $5,000 for a five-member group. Fundraising can be organized in any way preferred: in person, through a mail campaign or even via Facebook. The funds matching must be for a qualifying 501(c)(3) organization that impacts your local community. The organization must have a listing on Charity Navigator.

GBU recognizes that individuals working together can achieve far more than they could on their own. Give Back Groups give you the framework and support to make your vision a reality. This initiative is about tapping into the strength of community, and through it, you’ll find that your ability to do good multiplies with every member who joins your cause.

Forming Your GBU Give Back Group

The first step in utilizing a GBU Give Back Group is identifying a cause that resonates with you and your community. This could be anything from supporting local families in need, raising funds for a community center, or organizing a neighborhood beautification project. Once you’ve chosen your cause, the next step is to gather like-minded individuals who share your passion.

Don’t limit your group to only GBU members! While having GBU members in your group allows you to access the matching funds and sponsorships, involving non-members can increase your reach and impact. Invite friends, family and neighbors to join your efforts. The more people you have working towards your goal, the greater the impact your group can make.

Tip: any non-members who are participating in your volunteer effort can purchase a GBU social membership for only $25 a year. This allows them access to member benefits such as discounted events, birthday match program and even Give Back Groups, allowing their membership to count towards the matching funds.

Sharing Your Success

One of the beautiful aspects of forming a GBU Give Back Group is the opportunity to share your success with others. After your project is completed, GBU Life asks that you submit photos and a summary of your efforts. These stories inspire others to get involved and highlight the incredible impact that ordinary people can have when they come together with a common goal.

Start Making a Difference Today

Utilizing a Give Back Group is a powerful way to harness the strength of community and make a lasting impact. With GBU’s support, your group can accomplish more than you ever imagined. Whether through fundraising or event sponsorship, the resources provided by GBU can help turn your ideas into reality. Take the first step today by identifying a need in your community, gathering your team and applying for support through GBU Life. Together, you can make a difference that will be felt for years to come.

Welcome Reporter Monthly Coloring Contest

Mon, 26 Aug 2024 17:56:46 GMT

FOR GBU MEMBERS THREE TO NINE YEARS OLD

Coloring Contest for Members Ages 3–9. Email contest@gbu.org or mail (GBU Fraternal Department, 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227–3394) the participant's name, email address and coloring page for a chance to win a $25 Tango gift card*. Members must provide a valid email address, as the gift cards are sent via email. We’ll pull one lucky winner at the end of each month, so get those crayons and markers ready, and show us your colorful creations!

*Tango partners with hundreds of participating retailers and brands like Nike, Target, Amazon and more.

How to Wish a Friend a Happy Anniversary

Wed, 21 Aug 2024 15:23:46 GMT

Celebrating a friend’s anniversary is a wonderful way to show you care and value their relationship. Whether it’s their first year together or a milestone, a heartfelt anniversary wish can brighten their day. Here’s how you can make your wishes stand out, no matter the medium you choose.

1. Keep It Personal

Generic messages are fine, but adding a personal touch makes all the difference. Reflect on what makes their relationship unique or meaningful to you. A quick memory, shared joke or inside reference can make your wish special.

Example:

"Happy anniversary, you two! I still remember the epic road trip we took last year—your teamwork navigating the detours is couple goals. Here’s to many more adventures together!"

2. Choose Your Medium Wisely

How you deliver your message can make it even more impactful.

Depending on your closeness with the couple, consider:

A handwritten note: classic and timeless
Social media post: public celebrations are perfect for sharing your love and admiration for your friends
A text or call: short but sweet for busy days
A personalized gift: pairing your wishes with a thoughtful gift can leave a lasting impression

3. Go Beyond “Happy Anniversary”

While a simple “Happy Anniversary!” works in a pinch, why not get creative?

Here are some examples:

Playful wishes: "Cheers to another year of surviving each other’s quirks and loving every moment! Happy anniversary!"
Inspirational wishes: "Your love is an inspiration. Wishing you countless more years of happiness and harmony."
Romantic humor: "You two are proof that love means never giving up on someone—even when they steal the covers every night!"

4. Incorporate Their Milestone

If it’s a significant anniversary, acknowledge the milestone in your message. For example, "Wow, 10 years! You’ve shown us all what true love and commitment look like. Wishing you a decade more of laughter, joy and shared dreams."

5. Share a Token of Celebration

Consider accompanying your wishes with a small gesture.

Ideas include:

A bouquet of flowers or a bottle of wine
A custom card with a meaningful message
A shoutout on social media with photos of the couple

6. Keep It Positive and Heartfelt

Always focus on celebrating their relationship and the joy it brings to their lives (and yours!). Avoid clichés or anything that might seem insincere.

Sample wishes include:

"Happy anniversary to one of the most incredible couples I know! Your love is a gift to everyone around you. Here’s to many more years of happiness!"
"Wishing you both all the love and happiness in the world on your anniversary and always. Cheers to your amazing journey together!"
"Another year of love, laughter and happily-ever-after—cheers to you two and your beautiful bond!"

When in doubt, remember that it’s the thought that counts. A simple, sincere message is always better than overthinking it. Show your friends how much you care, and they’ll cherish your wishes for years to come.

Easy Lunch Ideas for Work

Tue, 13 Aug 2024 15:12:33 GMT

Finding the time to prepare a healthy, satisfying lunch during a busy workweek can be challenging. Whether you're tired of eating out, trying to save money, or looking to eat better, having a go-to list of easy lunch ideas for work is essential. These meals are quick to make, require minimal prep time, and are perfect for packing up and taking to the office. Here are some healthy and easy work lunch ideas that will keep you energized and satisfied all day long.

1. Mason Jar Salads for Work

Mason jar salads are a fantastic meal prep lunch option. They’re portable, easy to prepare in advance, and fully customizable. The secret to a fresh mason jar salad is layering: start with the dressing at the bottom, followed by hearty ingredients like chickpeas, quinoa, or beans. Add chopped vegetables like cucumbers, tomatoes, and bell peppers, then top with leafy greens such as spinach or kale. Shake it up when you're ready to eat for a crisp, refreshing lunch.

2. Wraps and Roll-Ups

Wraps make a versatile and healthy lunch idea for work. Use a whole wheat, spinach, or gluten-free tortilla as your base. Spread hummus, guacamole, or Greek yogurt, then fill it with lean protein like grilled chicken or tofu. Add veggies like lettuce, carrots, or avocado for crunch. Wrap it tightly, slice in half, and pack it for an easy grab-and-go meal.

3. Protein-Packed Quinoa Bowls

Quinoa bowls are loaded with protein and fiber, making them one of the best meal prep lunch ideas. Start with cooked quinoa, then add your favorite toppings: grilled chicken, black beans, roasted sweet potatoes, cherry tomatoes, and steamed broccoli. Drizzle with a flavorful dressing or vinaigrette and sprinkle on seeds or nuts for texture.

4. Pasta Salad for Work Lunch

Pasta salad is a classic and filling option that’s easy to customize. Choose whole wheat or gluten-free pasta and toss it with ingredients like cherry tomatoes, cucumbers, olives, bell peppers, and your protein of choice—chicken, tuna, or chickpeas. Finish with a light vinaigrette or pesto for a flavorful, cold lunch idea for work that’s great for meal prepping.

5. Veggie and Hummus Snack Box

For a lighter lunch, pack a veggie and hummus box. Slice carrots, cucumbers, bell peppers, and cherry tomatoes and pair with a scoop of hummus for dipping. Add whole grain crackers, a hard-boiled egg, or a handful of nuts to make it more filling. It’s quick to assemble, easy to transport, and full of fiber and nutrients.

6. Leftover Stir-Fry Meals

Stir-fry is a smart way to use leftovers and create a fast, nutritious work lunch. Stir-fry garlic and ginger in olive oil, add cooked veggies like broccoli, carrots, or snap peas, and toss in a protein—chicken, beef, tofu, or shrimp. Add soy or teriyaki sauce and serve with rice or noodles. These hot lunch ideas for work are easy to reheat and incredibly satisfying.

7. Avocado Toast with a Twist

Avocado toast isn’t just for breakfast. Top whole-grain bread with mashed avocado and your favorite toppings—sliced tomatoes, radishes, eggs, or smoked salmon. It’s fast, full of healthy fats and fiber, and makes a delicious easy office lunch that feels gourmet.

8. Soup and Salad Combo

Pairing soup with salad is a timeless combo that offers both comfort and nutrition. Prepare a batch of hearty soup—vegetable, lentil, or chicken noodle—and pack a simple salad to go with it. This combination makes for a warm, satisfying, and well-balanced work lunch that’s easy to heat up and enjoy.

From mason jar salads to protein-packed quinoa bowls, these lunch options are healthy, budget-friendly and perfect for busy professionals. Incorporate these work lunch recipes into your routine to save time and stay energized throughout the workday.

Heartfelt Birthday Wishes and Messages for Friends

Fri, 09 Aug 2024 18:16:49 GMT

Whether it’s a simple text, a handwritten card or a social media shoutout, the right words can make a friend feel loved and appreciated.

Birthdays are special moments to celebrate. Here are some ideas for birthday wishes and messages that will resonate with different types of friendships.

Classic Birthday Wishes

Sometimes, the simplest words can carry the most meaning. Classic birthday wishes are timeless and can be perfect for any friend, whether you’ve known each other for years or just recently become close.

“Happy Birthday to one of the best people I know! Wishing you a year filled with love, laughter and endless joy.”
“Cheers to another year! May your birthday be as amazing as you are.”
“On your special day, I hope all your wishes come true. Happy Birthday!”

Funny Birthday Messages

Humor can add a light-hearted touch to your birthday greetings and show that you know your friend well enough to joke around with them.

“Happy Birthday! Remember, you’re not getting older; you’re just becoming a classic!”
“You’re not 40; you’re 18 with 22 years of experience! Happy Birthday, my forever young friend.”
“Age is merely the number of years the world has been enjoying you. Here’s to many more!”

Sentimental Birthday Messages

For those friendships that have stood the test of time, a sentimental message can convey just how much your friend means to you. These messages are perfect for lifelong friends, best friends or anyone who has a special place in your heart.

“Happy Birthday to the person who has been with me through thick and thin. I’m so grateful for your friendship, and I look forward to many more memories together.”
“On your special day, I want you to know how much you mean to me. You’re not just a friend; you’re family. Happy Birthday!”
“Wishing you a birthday filled with love, laughter and all the things that make you happy. Thank you for being the incredible friend that you are.”

Inspirational Birthday Messages

Sometimes, birthdays are a time for reflection. Inspirational birthday messages can offer encouragement and positivity, making them ideal for friends who may be facing challenges or looking to the future with hope.

“Happy Birthday! May this year bring you closer to all your dreams and aspirations. You have the strength and determination to achieve anything you set your mind to do.”
“Wishing you a year of growth, happiness and success. Remember, the best is yet to come!”
“On your birthday, I want to remind you that you’re capable of amazing things. Here’s to another year of pursuing your passions and living life to the fullest.”

Long-Distance Birthday Messages

If you can’t be with your friend on their birthday, a thoughtful message can help bridge the gap. These notes acknowledge the distance while emphasizing the strength of your friendship.

“Even though we’re miles apart, I’m celebrating your special day in spirit. Happy Birthday, my dear friend! Can’t wait until we can celebrate together.”
“Distance may separate us, but it could never diminish our friendship. Wishing you a wonderful birthday filled with all the love and happiness you deserve.”
“On your birthday, I’m sending you all my love from afar. I miss you and can’t wait until we’re reunited. Happy Birthday!”

No matter the type of friendship you share, the right birthday message can make your friend’s day even more special. Birthdays are a time to celebrate the people we care about, and with a thoughtful message, you can let your friend know just how much they mean to you. So go ahead, pick the perfect words and make their birthday one to remember!

How Your Child's Team Can Score Big This Year

Wed, 07 Aug 2024 21:01:08 GMT

Did you know that insured GBU youth members can receive up to $250 for their recreational club?

It’s that’s time of the season with youth sports in full swing!

GBU’s Team to Team program was created to help offset costs associated with our youth members’ schools and recreational clubs. Examples of qualifying group types include academic, athletic, art, musical, recreational and youth groups.

Pretty cool, huh?

But that’s not it ... if the team has five or more insured GBU members, you can apply for a team sponsorship of up to $5,000!

In order to qualify, the GBU youth member must be a participating member of the team, and GBU's sponsorship must be acknowledged in some way, such as a program ad, t-shirt logo, field sign, etc.

Limit to one sponsorship per member per year. Terms and conditions for this benefit are based on funds availability and are subject to change at any time.

Insured GBU youth members can apply for a team sponsorship under this program. Please note that sponsorship checks must be made out to the booster organization and cannot be issued to the member directly.

Interested in learning more about the program? Visit inside.gbu.org/team-to-team

Summer Photo Contest 2024

Tue, 06 Aug 2024 14:22:31 GMT

The Soundtrack of My Life Photo Contest

Send us your favorite photo that depicts the photo contest theme, The Soundtrack of My Life . Capture how music

influences our lives, inspires creativity, connects generations and fosters healing and cultural identity.

Rules

Contest is for GBU members/policyholders of all ages.
Black-and-white or color prints or photo files are acceptable. Do not mount photos.
Photos must be submitted as taken. (This means no touch-ups or cutting/cropping off parts of the picture.) Photos can be enlarged to any size not exceeding 5" X 7".
Do not write on a processed print photo’s front or back (doing so can ruin the photo). Attach a note with member name and address on the back of the photo(s).
A maximum of two photographs may be submitted per insured member/policyholder. No entrant can qualify for more than one award per contest.
The contest runs through Monday, August 19, 2024.

How to Enter

Send your photo(s) to one of the following.

Email contest@gbu.org with " The Soundtrack of My Life " in the subject line.
Include the member's full name, address and email in the body of the email, or

Mail to GBU Life, ATTN: Community Engagement Department, 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227.

Include the member's full name, address and email with a note in the envelope.

Prizes

General Information

Judges reserve the right to accept or reject any or all entries. Their decisions will be final. Processed photo(s) will be handled at the GBU Home Office with the utmost care and will be returned. GBU reserves the right to reproduce entries for whatever use it wishes, giving proper credit to the photographer. This permission does not include the sale of such photos.

Tips for Helping to Protect Yourself from Skin Cancer

Wed, 31 Jul 2024 20:26:41 GMT

Check out these tips from our partners at the American Cancer Society.

GBU Life Earns Positive Outlook and A- Rating from AM Best

Mon, 22 Jul 2024 15:51:07 GMT

GBU is thrilled to announce a significant achievement that underscores our commitment to financial security.

On July 11, 2024, AM Best, the oldest credit rating agency, reaffirmed our Financial Strength Rating of A- (Excellent) and upgraded our outlook from stable to positive.

This recognition from AM Best reflects GBU’s dedication to providing the highest level of financial stability and peace of mind for everyone who chooses to trust us with their financial investments. At GBU Life, our mission is to offer reliable opportunities for all individuals to grow, protect and manage their wealth wisely. This positive outlook reinforces our position as a trusted provider of life insurance and annuity solutions.

Our journey has been characterized by strategic expansion across different regions, diversification of our product offerings and strengthening of our overall market presence—all aimed at enhancing the financial well-being of those who trust us to do so. Our significant growth in total assets, capital and surplus, membership count and distribution channels illustrate our commitment to enhancing our services and ensuring the security and growth of all investments entrusted to us.

Central to our success is our strong balance sheet, supported by rigorous risk management practices and conservative strategies for reserving funds. These measures not only safeguard investments but also provide a solid foundation for sustainable growth and stability. Our robust operational performance, marked by above-average investment yields and rapid net premium growth, further underscores our ability to deliver on our commitments.

As a member-owned organization, GBU takes pride in our ability to maintain low operating costs, enabling us to offer competitively priced life insurance, attractive annuity rates and stable investment returns. Our commitment to financial security is complemented by our dedication to social responsibility, empowering our members and their communities to contribute meaningfully to causes that matter to them.

Looking ahead, we remain steadfast in our pursuit of excellence. We are committed to upholding our reputation as a trusted leader in the insurance industry, providing integrity, transparency and exceptional service. Whether you are already a member or exploring options for your financial future, GBU Life is here to support you every step of the way. We invite you to discover the benefits of securing your future with GBU Financial Life if you have not already. Together, we are committed to building legacies and making a positive difference in the communities we serve.

Learn more about how we can help you achieve your financial goals today by visiting gbu.org.

This Online Legal Service Helps Bring Peace of Mind

Wed, 17 Jul 2024 20:10:17 GMT

Streamline your legal document preparation with LawAssure.

LawAssure is an innovative online service designed to simplify the process of creating legal documents. This paid service is available at no cost to GBU Life insured members.

What LawAssure Offers

This platform allows you to easily create customized legal documents, such as establishing healthcare directives or assigning power of attorney. Plus, you can complete these tasks in the convenience of your own home.

Key Features of LawAssure

Wondering what LawAssure can do for you?

Legal document preparation: the system interviews you and uses artificial intelligence to create paperwork tailored to your needs.
Secure collaboration: share documents securely with family members or trusted advisors.
Secure account space: safely store, edit or export documents for printing and signature.

Essential legal documents provided by LawAssure include:

Wills: create a high-quality will that outlines your wishes and simplifies matters for your loved ones.
Healthcare directives: establish your end-of-life preferences with healthcare directives and living wills.
Powers of Attorney: grant a loved one or trusted advisor the authority to manage your financial affairs.
Trusts: manage and distribute your assets without court interference.

Get Started

Complete a quick sign-up form to receive a code via email, which will grant you access to the LawAssure program.
Since you can create and share documents for all family members, it's recommended to sign up once per household and share the login with trusted family members.

Take advantage of LawAssure to protect your home, family and assets with ease and confidence. Learn more by visiting here .

Summer Fun STEAM Projects for Kids

Sun, 14 Jul 2024 21:57:23 GMT

Juice Pouch Rockets

A pneumatic juice pouch rocket is the perfect after-snack project.

Here's what you need:

An empty juice pouch
One flexible straw (that comes with the pouch)
One standard straw
Colored cardstock
double sided tape
Modeling clay
Scissors

Make The Rocket:

Snip off the end of the flexible straw on an angle.
Insert the pointed end of the straw into the straw hole of the juice pouch.
Cut the second straw in half, to use as the body of your rocket.
Cut three trapezoid shapes from cardstock to be the fins.
Tape the fins on each side of the straw--be careful not to squish the straw!
Shape a small bit of clay into a ball with a tapered end for the nose of the rocket. Add this to the top to help seal the straw. Make sure it isn't too large or your rocket may be too heavy to take off!

Get Ready to Launch!

inflate the pouch by blowing into the flexible straw.
Bend the flexible straw to aim and place the rocket straw over the end.
Squeeze the juice pouch and watch your rocket fly.

Ice Cream in a Pouch!

Make your own individual ice cream. Each member of the family can make their own special flavor!

Here's what you need to make each serving:

A quart-sized zip-top bag
A gallon-sized zip-top bag
About 4 cups of ice
6 tbsp rock salt (table salt will do in a pinch!)
1/2 cup half-and-half
1 tbsp white sugar
Your choice of other flavorings (some ideas: vanilla, mint or almond extract, fresh fruit, chocolate chips, crushed cookies)

What To Do:

Combine half-and-half, sugar, extract, and a pinch of salt in the quart-sized bag. Seal it tight, getting all the air out.
Add the ice and rock salt to the gallon-sized bag.
Place the small bag of ice cream mixture into the large bag of ice, so that the ice surrounds it. Seal the large bag tightly.
Shake, roll and knead the bag for about 5 minutes to form the ice cream.
Grab a spoon and enjoy!

Important: the ice gets very cold. It is a good idea to wear gloves or use a dish towel to protect your hands.

The Science: The air created from inflating the juice pouch powers the rocket. The clay tip of the rocket prevents the air from escaping and your rocket has nowhere to go but up! The word pneumatic (new-mah-tick) means that something is powered by air.

The Art: Experiment with different fin and tip designs and colors. Use markers or washi tape to design your dream rocket.

The Science: Salt changes the boiling and freezing temperatures of water. When you add salt to ice cubes, it causes them to melt faster, but the resulting water is actually colder than regular ice, so your ice cream forms quickly!

The Art: Create your own ice cream flavor profiles by combining your favorites together. Give your flavor a special name!

The Power of Language Learning Programs (and How To Get Reimbursed for Using Them)

Mon, 24 Jun 2024 19:49:09 GMT

The ability to communicate in more than one language has become a valuable skill, offering a multitude of benefits that go beyond the ability to converse.

From cognitive advantages to career opportunities, we’ve found three reasons why you should consider learning a new language.

Exercise for your Brain

One of the most significant advantages of learning a new language is the impact it has on cognitive abilities. Research has shown that bilingualism can enhance brain function by improving memory, problem-solving skills and even creativity. Plu , the mental exercise involved in learning and using a second language keeps the brain active and engaged.

Career Advancement

In today's globalized economy, bilingualism is a highly sought-after skill. Many employers value employees who can communicate with clients and colleagues from different linguistic backgrounds. Being proficient in another language can open doors to career opportunities in fields such as international business, diplomacy, tourism, translation and education. It may even enhance your competitiveness in the job market, giving you an edge over monolingual candidates.

Personal Growth and Fulfillment

Learning a new language is a rewarding endeavor that could help boost self-confidence and enhance travel experiences, allowing for deeper connections with locals and a more immersive understanding of the places you visit.

The Benefits of Language Learning Programs

While the benefits of learning a new language are clear, the process itself can seem intimidating. This is where language learning programs come into play. These programs are designed to facilitate language acquisition through structured and interactive methods.

This learning system often incorporates a variety of tools, such as mobile apps, online courses and multimedia resources. These tools provide flexible and convenient ways to practice and improve your language skills. Programs like Duolingo, Rosetta Stone and Babbel offer engaging lessons that cater to different learning styles. Features of the lessons include speech recognition, interactive exercises and real-life scenarios that make learning more practical and relevant.

Get Reimbursed for Utilizing Language Learning Programs

Did you know that both insured and social GBU members can receive fifty percent of the cost (up to $250 annually) of any language course or program? This includes platforms such as Duolingo, Babbel or Rosetta Stone. Learn more about this benefit by visiting here .

So why not embark on this rewarding adventure and unlock the opportunities that come with being bilingual? Time to explore the world, one language at a time!

Pet Safety Tips for Your Furry Friends

Wed, 12 Jun 2024 20:40:37 GMT

With all this “fun in the sun,” we want our whole family to be able to join in. That includes our furry friends, too! So, what ways can we help our pets stay safe in the heat?

For starters, when taking your dog for a walk in the summer, remember to check the temperature of the pavement and road before heading out. Dogs have sensitive paw pads that often get burned when walking on hot pavement. A quick trick to ensure that your pup is safe to walk is by placing the palm of your hand flat against the road or pavement that you both will be walking on. If the pavement is too hot to hold your own hand on it for five seconds, then it is probably too hot for your dog to walk on. Taking your pets on walks can be a great summer exercise, a way to bond with one another, and enjoy the nice weather. If it is too hot to walk, try going in the evenings when it is cooler or walking in areas that are not paved (such as hiking trails).

Our furry friends with flat faces, such as pugs, bulldogs, and Persian cats, can have an especially hard time in the heat. Due to the flat structure of their faces, they have a harder-than-usual time with panting—a method animals use to cool themselves. We can help by providing cool spaces to combat overheating. For pets with heart or lung issues and those that are elderly or are otherwise overweight, we should also try to avoid extended time in the heat.

Another way to protect your pet from overheating is to ensure a proper groom. In the summer, we tend to think shaving down our pets will help cool them, but really, an animal’s coat is crucial to how their body regulates temperature. By completely shaving your pet, it can send them into shock, making it harder for them to stay cool. Regularly brushing your pet will help maintain their coat and prevent matting, which is another reason many pets need to be shaved. A summer groom can definitely include a trim, but one should try to avoid a complete shave down.

So how can you know if your pet may be overheating? Animals show signs similar to humans when they begin to overheat! Look out for sudden weakness or slow movement, collapse, and heavy or excessive breathing. Animals will also begin to drool excessively or even begin to have diarrhea or vomiting. Knowing the warning signs can better prepare you to prevent an emergency situation.

We tend to see our pets as an extension of our families, so let’s remember their safety this summer as well!

For more information on how to keep your pets safe this summer, visit aspca.org/pet-care for more information.

Reference: Hot Weather Safety Tips | ASPCA

Soundtrack of My Life Coloring Contest

Mon, 20 May 2024 20:12:18 GMT

FOR GBU MEMBERS THREE TO NINE YEARS OLD

GBU members between the ages of three and nine years old can enter their colored page in this year's contest, themed: Soundtrack of My Life.

Three age categories will be judged as follows:

Category I: Ages three and four

Category II: Ages five and six

Category III: Ages seven, eight and nine

Entrants may use crayons, colored pencils, markers or watercolor paints. Entries will be accepted through Monday, August 19, 2024, at 11:59 p.m. EST. The picture on the next page can be reproduced, or copies can be obtained by calling the Community Engagement Team at the GBU Home Office (800-765-4428).

Cash Prizes for Each Category

First prize: $75

Second prize: $50

Third prize: $30

How to Enter

Send the three- to nine-year-old GBU member's coloring contest entry

with their name and address on the back of the child's colored page to:

GBU Life

ATTN: Member Benefits

4254 Saw Mill Run Boulevard

Pittsburgh, PA 15227-3394.

Or email contest@gbu.org with "Coloring Contest Entry” as the subject line.

General Information

Birthday Match Inspiration: National Rescue Dog Day

Sat, 18 May 2024 03:25:14 GMT

We want to celebrate your birthday! And while we would love to throw you a big party with pizza, cake (chocolate, please!) and balloons, we have another idea in mind. Through GBU’s Birthday Match benefit , we will match up to $100 when you donate to your favorite 501(c)3 organization. And if you decide to do a birthday fundraiser on Facebook , we will match your fundraiser up to $250!

This means that your donation goes even further.

So, what do you think? Looking for inspiration? The month of May brings National Rescue Dog Day. A GBU member with a recent or upcoming birthday could consider utilizing the Birthday Match benefit to help a pet rescue organization in their area. The donation could help provide the animal shelter with food, medical care and more.

Ready to take the next step? Learn more about GBU’s Birthday Match benefit here .

Please note that you have until the last day of next month to submit your application. For example, if your birthday is in February, you have until March 31 to apply. Additionally, you must complete an application to qualify for this benefit.

Give Back Group Program Changes

Mon, 15 Apr 2024 18:11:36 GMT

Changes to the Give Back Groups Program Effective March 1, 2024.

Thank you for supporting your community through the Give Back Groups program! To ensure the long-term sustainability of the program, we have made some updates to the Give Back Groups donation-matching program guidelines, effective March 1, 2024. Please read over the updated guidelines before submitting your request. Guidelines for project start-up funds remain the same.

GBU will match funds raised for eligible organizations of up to $1,000 per participating insured member and up to $500 per participating social member (up to $5,000 per project).

Eligibility Guidelines

The benefiting organization must be a 501(c)(3) organization listed on Charity Navigator or provide documentation of 501(c)(3) status OR
Matching funds must be for specific funds, projects or programs for schools, churches, other religious organizations or civic organizations.
Insured members may lead up to two Give Back Group projects per year and may participate in up to two additional projects.
Social members may lead one Give Back Group project per year and may participate in one additional project.

AND the benefiting organization, fund, project or program must:

Impact your local community OR
Bring members of your community to work together for a cause outside your community, such as making care packages, or collecting items for those in need in other communities or countries.

Ineligible organizations, funds, projects or programs include those that:

Are political.
Are controversial or serve a negative purpose.
Fund outreach or teaching of any specific religion or point of view.
Provide general funds for schools, churches, other religious organizations or civic organizations. Send funds outside of the local community without bringing community members together to work together for a cause.

The maximum amount an organization may receive each year is $20,000.

GBU will approve a maximum of 13 projects per month. If fewer than 13 projects are submitted in a month, the balance of available projects can be carried over to the next month.

Choose how to help your community and start a Give Back Group or request project start-up funds today! Visit gbucares.org/give-back-groups .

2024 Volunteer of The Year Nominations

Mon, 15 Apr 2024 18:07:13 GMT

Nominations are now being accepted for the 2024 Volunteer of the Year.

The Volunteer of the Year award is an honor GBU presents to recognize a GBU member who, through example and accomplishment, provided outstanding volunteer service to his or her community and/or district during the past year.

The GBU 2024 Volunteer of the Year award is based on volunteer service performed from July 1, 2023, to June 30, 2024.

Celebrate a fellow member's accomplishments by completing the Volunteer of the Year nomination form at gbucares.org/volunteer-of-the-year .

All nomination forms must be received by Friday, August 2, 2024. Incomplete entries or entries received after the deadline will not be considered.

For questions about this program or to request a paper nomination form, please contact GBU's Community Engagement Department at memberbenefits@gbu.org or call 800-765-4428.

Give Back Groups Project Spotlight

Mon, 15 Apr 2024 17:28:24 GMT

Support GBU Community Pillars Through Project Start-up Funds

Are you passionate about giving back to your community but not sure where to start? Consider applying for project start-up funds with GBU’s Give Back Groups. As a project leader, you can plan your own project to help your community, and GBU will reimburse you for associated expenses (up to a certain amount). Read stories from fellow GBU members who support GBU’s Community Pillars of Wellness, Education, Charitable Giving and Hometown Hero Support in their area through project start-up funds!

Wellness

Location: Wayne County, MI

GBU Member: Donna Povich

Benefiting Organization: Friends for Animals of Metro Detroit

Project Description: Donna and fellow GBU members got together to purchase and collect food, blankets and towels for the animal shelter.

Hometown Hero Support

Location: Fayette County, PA

GBU Member: Ken Firestone

Benefiting Organizations: Normalville VFW, Springfield VHC, Indian Head VFD

Project Description: Ken and his team made phone calls, had collection boots in the community and facilitated an auction to help support three volunteer fire departments.

Charitable Giving

Location: Fond du Lac County, WI

GBU Member: Susan VandeBerg

Benefiting Organization: REACH Waupun

Project Description: Susan connected GBU and Lions club members to host a chili and warming station during the city-wide weekend event. The funds raised helped to support a local not-for-profit student mentoring program.

Education

Location: Washington County, PA

GBU Member: Mary Ann Berty

Benefiting Organization: Student run Trinity Leadership Committee

Project Description: A team of GBU members led by Mary Ann hosted a silent disco dance for

special needs students and invited other schools to participate!

Choose how to help your community and request project start-up funds today! Visit gbucares.org/give-back-groups.

JUNIOR ACHIEVEMENT INSPIRE

Mon, 15 Apr 2024 17:25:01 GMT

WOOSTER, OH

Junior Achievement (JA) USA is the nation's largest organization dedicated to giving young people the knowledge and skills they need to own their economic success, plan for their futures and make smart academic and economic choices.

Junior Achievement programs focus on developing school-age children in the areas of work readiness, entrepreneurship and financial literacy and are heavily dependent on community volunteers to operate.

JA Inspire is more than a career fair; it brings together the business community and local schools and is designed to help launch middle school students into their futures—high school, college, and careers beyond. At JA Inspire’s in-person events, students interact with company representatives and participate in hands-on activities, often using equipment or tools used on the job.

From helping the students dress for success to operating the student exit table, GBU members and employees were able to spend the day sharing real-world work experiences and participating in hands-on engagement with the over 900 students who attended.

GBU + The Alliance

Mon, 15 Apr 2024 17:16:04 GMT

When I came on board GBU Life (GBU) last year, I was just learning about fraternal benefit societies and their place in history. I was fortunate enough to receive an invitation from the American Fraternal Alliance (the Alliance) to learn more about the role that this important organization plays in uniting fraternal benefit societies like GBU.

The Alliance unites more than 50 not-for-profit fraternal benefit societies, including GBU, operating in fifty states, the District of Columbia and Canada. The organization “unites members through Advocacy, Education and Networking,” which is key to keeping fraternal societies modern and relevant in today’s fast-paced society. GBU has been a member for years and works closely with the Alliance, but most recently, GBU CEO William (Bill) Hunt has been a board member and key leader in helping the Alliance expand its mission. This year, Bill is serving as chair of the board and leading key initiatives along with ten other leaders representing the Alliance’s membership and CEO Allison Koppel, as they advocate for and modernize the role of fraternal organizations.

Advocacy

The Alliance engages in initiatives such as lobbying for legislation that benefit its members and their communities while keeping an eye on and preparing defense against legislation that could be harmful to member societies. The Alliance collaborates with member societies to highlight community service projects, raise awareness about important social issues and host educational events.

Education

The Alliance recently developed the Fraternal Career Development Series (FCD) to help retain and nurture young and up-and-coming talents in the industry. Programs like this help to secure the future of member societies while fostering innovative ideas. The Alliance collaborates with member organizations to help solve industry problems, nurture relationships and invigorate the programs and benefits offered by fraternal benefit societies.

Networking

The open exchange of ideas is key to the long-term growth of the fraternal industry. The Alliance supports this by fostering an atmosphere of non-competitive and collaborative idea-sharing between societies. Leaders from member societies have opportunities to meet at the Alliance’s annual Spring Symposium and other regional networking events held throughout the year. There are also many opportunities to meet virtually.

In April 2024, I will be finishing the FCD program along with my GBU colleagues Anna Meek, Ken Elliott, Mary Koczan, Janine Brickner and Leah Teahl. We have learned invaluable leadership skills, from the way we receive information and make decisions to various communication styles among our teams and how we can best work together. The energy and resources that both GBU and the Alliance are investing in the future of fraternalism are amazing to me as someone new to this side of financial products. As forward-thinking organizations, GBU and the Alliance understand that good leadership is evergreen and not limited to a specific industry. To retain a top talent pool, it is crucial to equip those up-and-comers with the tools they need to succeed.

“ The Alliance recognized the need to nurture this group of our members and we are thrilled with how the FCD students have embraced this program. They are taking the lessons they’ve learned and applying them within their societies.”

– Allison Koppel, CEO, American Fraternal Alliance.

I asked Bill Hunt about what has changed in the fraternal industry since he joined the board and what his vision is for his presidential term.

“Since joining the board, I have witnessed significant changes in the fraternal industry. There’s been a shift towards greater collaboration among fraternal organizations, increased focus on leveraging technology to enhance efficiency and growing emphasis on enhancing and expanding member engagement.”

“As I look ahead, I foresee the continuation of efforts that strengthen those collaborations and promote innovation within the industry while we continue to support the well-being and growth of our members, our Societies and our communities.” – William (Bill) Hunt, CEO, GBU Life.

Notice of 2024 Election for GBU Board of Directors

Mon, 15 Apr 2024 17:01:12 GMT

Board Election

GBU Financial Life’s (GBU) National Bylaws allow all adult insured members (as defined in Article IV, Section 1 of the Bylaws) the right to vote for GBU’s Board of Directors. Ballots will be mailed at the beginning of August 2024 to all eligible members. Eligible members will have the ability to vote by paper ballot via mail or electronic ballot online once they have received their ballot. Cumulative voting or voting by proxy is not permitted.

The Process and Term

The GBU Board of Directors consists of seven (7) elected members and the Chief Executive Officer of the Society, who is appointed by the Board. The elected members serve a term of four (4) years or until their successors are elected and qualified. In 2024, three (3) elected Board seats will stand for election for a four-year term. The other four seats will stand for election during the next election period taking place in 2026.

For 2024, all members of the Society seeking candidacy to the Board must submit their application request in writing via email to:

Office of the CEO

boardcandidates@gbu.org

Interested applicants will receive a candidacy packet, which will need to be completed by May 20, 2024. All eligible applicants will constitute the slate of candidates.

Summary of Board Member Responsibilities

The GBU Board of Directors is responsible for the effective governance of GBU Financial Life. Its primary objectives are to provide overall governance of the Society, establish and oversee policies and direction, as well as advise and assist management with the leadership and promotion of GBU in support of its mission, strategy and core values.

GBU Financial Life Bylaw Requirements as per Article VI, Section 1

To be eligible to be a candidate for or serve as an elected Director, all individuals must:

a. be a GBU adult member (as defined by Article IV, Section1 of the Bylaws) age twenty-one (21) years or older and under the age of seventy (70) years on January 1 of the election year.

b. not be:

(1) a current employee, general agent, or agent of GBU;

(2) a former employee, general agent, or agent of GBU unless three years have expired from the termination date

of their employment or GBU agent contract;

(3) a current corporate officer, field manager, sales agent, broker or director of any other life insurance company or

fraternal benefit society, or

(4) an immediate family member (parent, spouse, natural or adopted child, sibling) of any person in any of the

prohibited categories enumerated above;

c. be capable of assuming the responsibilities as outlined herein and as established by GBU from time to time and

possess qualifications that reflect the complexity and magnitude of the business affairs of GBU as well as the

desire to promote and support the fraternal benefit system within GBU;

d. not have been removed from office for cause by action of the Board of Directors;

e. have no criminal history other than matters determined insignificant by the Nominating Committee, such as a

minor traffic violation;

f. meet all other requirements under the law or established by resolution of the Board of Directors.

Additional Qualifications of Board Candidates

A candidate for an elected Board seat must possess at least one of the following:

- Bachelor’s degree or higher

- Currently holds or has held a management-level position for a minimum of ten (10) years

- Owns or has owned a successful business for at least ten (10) years.

- Currently is employed or has been employed in the insurance industry for a minimum of ten (10) years or has held an

insurance certification for a minimum of ten (10) years, except as specified in the eligibility requirements.

- Serves or has served on a professional Board for a minimum of ten (10) years

Expectations of Board Members

The following are the expectations and commitments of GBU Board members:

- Dedication to and display of values that are aligned with the mission of GBU Financial Life

- Avoidance of any conflict of interest

- Availability to prepare for and participate in GBU Financial Life Board meetings. Currently, the Board meets as an

entire body six (6) times per year. Board members are also assigned membership and participate in various

committees of the Board throughout the year. Currently, the GBU Board has the following committees: Executive,

Audit, Investment, Sales and Marketing, Fraternal and Compensation. Board meetings are conducted in person or

via the use of any means of communication by which all participants may simultaneously communicate.

- Participation in the overall governance of the Society through expertise obtained in one or more of the following

areas: accounting/finance, general business leadership/management, legal, investment management, sales, marketing, risk management, human resources, civic leadership or fraternal operations

- Familiarization with GBU Financial Life’s business and fraternal mission, insurance products, policies, procedures,

finances, investment practices, service platform and fraternal operation

-Contribution to building a congenial team atmosphere with other GBU Board members

-Understanding of the time commitment of a GBU Financial Life Board member's duties. This is normally between 20-30 days annually. Board members are to be available, either in person or electronically for any special meetings called by the Chair of the Board.

2024 GBU Board Election Timeline

First Week of April 2024 – GBU Board election announced and call for candidates in The Reporter.

May 15, 2024 – All requests for Board Candidacy Application packets must be received by the Home Office via the following email: boardcandidates@gbu.org.

May 20, 2024 – Completed Board Candidacy Application packets and supporting documents must be received at the GBU Home Office.

June 3, 202 4– Complete eligibility determination of applicants.

July 1, 2024 – All eligible applicants submitted to Independent Election Facilitation Company.

First week of July 2024 – Candidate information runs in the summer edition of The Reporter, along with voting information.

August 1, 2024– Ballots mailed to members.

September 20, 2024 – Balloting closes online; mailed ballots must be received.

September 27, 2024 – Election results independently tabulated and certified and approved by the Board.

Where are they now?

Mon, 15 Apr 2024 16:56:10 GMT

Celebrating GBU Foundation Scholars

With district and donor funding, the GBU Foundation has encouraged and assisted members in furthering their education through its scholarship program since 1963. We celebrate GBU Foundation scholarship and grant recipients’ achievements to spotlight the true impact of charitable giving.

Celine van Breukelen

Anchorage, AK

Hydrologist, National Weather Service

District 815 – Dayton, OH

GBU Foundation Freshman Scholarship 2003–2006

Ohio State University, B.S., Industrial and Systems Engineering

About my GBU Foundation Scholarship:

“The scholarship allowed me a little more financial freedom to explore.

Due to my ability to travel, I was able to visit Alaska, which I now call home.”

Since I graduated:

“In part due to my GBU Foundation scholarship, I was able to graduate undergrad without debt. This allowed me the freedom to explore. I had the opportunity to do something completely different by attending graduate school at the University of Alaska studying civil engineering. This flexibility allowed me to have a career about which I am passionate. I get to help people in a place that I love.”

Presley Dougherty

Mount Airy, MD

Graduate Student

The Pennsylvania State University

District 291 – Summerhill-Lilly, PA

GBU Foundation Undergraduate Scholarship 2020-2022

GBU Foundation Graduate Scholarship 2023

The Pennsylvania State University, B.S., Mechanical Engineering

The Pennsylvania State University, Pursuing an M.S., Engineering Design

About my GBU Foundation Scholarship:

“I was able to purchase books, a laptop and more easily afford tuition in school because of my scholarships. I was able to focus on being a student without added financial stress. I was able to maintain good grades and get into graduate school as well. My ultimate goal is to work in automotive design, and I am getting closer to that goal every day. I am so grateful for the people and opportunities that I have been granted that have brought me to where I am today.”

As an undergraduate:

“I was the controls, brakes and safety lead for the Penn State formula racing team. In that role, I worked on designing, manufacturing, testing the braking system and driver interface and ensuring we had the proper safety equipment. I had two internships with Ford Motor Company’s Vehicle Propulsion Systems Engineering. This past summer, I worked on powertrain simulations for their diesel vehicles and even made the trip to their headquarters in Dearborn, Michigan.”

Mario Gioiello

Bethel, AK

Pilot

GBU Foundation Freshman Scholarship 2019-2022

Kent State University , Aeronautics with Flight Tech Concentration

Elena Gioiello

Cleveland, OH

Dental School Student

GBU Foundation Freshman Scholarship 2019-2022

GBU Foundation Graduate Scholarship 2023

Walsh University ,

Biology with Business Minor

Case Western Reserve University School of Dental Medicine

Jolena Gioiello

Sandusky, OH

Education Reporter,

Sandusky Register

GBU Foundation Grant 2019

GBU Foundation Undergraduate Scholarship 2020-2021

Ohio State University , Communications

Three Winners, Three Stories

By Jolena Gioiello

Mario, Elena and Jolena Gioiello, 23-year-old triplets, have been GBU members since they were two years old. The trio grew up in Girard, Ohio, and attended Niles McKinley High School. In 2019, Mario and Elena graduated with 4.0 GPAs as two of six valedictorians, and Jolena graduated with a 3.9 GPA. After graduation, they went separate ways for the first time in their lives and are all on unique paths five years later.

Mario

Mario attended Kent State University to continue his dream of flying. He majored in aeronautics with a concentration in flight tech. This field of study was a simple choice because he had been a certified pilot as long as he had been licensed to drive. Mario used scholarship funding to pay for his tuition. He worked for Kent University Airport during school. After college, he accepted positions at the Akron/Canton Airport and the Wadsworth Airport to stay in the area. His scholarship funding helped him earn a certificate in multi-engine flight instructor training. With this, he could instruct students at the airport.

“I’ve pretty much lived out of airports since my freshman year,” Mario said. “I even bought a cot to sleep on between my long shifts. It’s hard work, but I wouldn’t want to be doing anything else.”

Mario’s long-term plan differed from his pilot classmates. Most sought after flying for big airlines transporting vacationing passengers, but not Mario. Mario was too adventurous. Instead, he explored options 3,000 miles away from his home. At 22 years old, Mario began flying a Cessna 207 and became the youngest pilot on his flight team in Alaska.

“The multi-engine certificate I got with the help of GBU gave me a big leg up in being chosen to fly our larger twin engine airplanes at our company in Bethel,” Mario said.

Mario works long hours delivering supplies and transporting passengers around the state, including staying a week alone at a remote site near the Yukon River to make deliveries to surrounding villages. He works two weeks "on" and two weeks “off” but continues working at the Akron/Canton Airport on his “off” weeks.

“I’d like to say thank you to the donors who funded my scholarship from GBU,” Mario said. “I would not be where I am today, especially in as short of a time, without GBU.”

“All three have achieved and still are experiencing so many great steps in life. At all stages, GBU’s financial help was a help for them.” - Betty Gioiello, Mario, Elena and Jolena’s Grandmother

Elena

Elena went to Walsh University to study biology with a business minor and take her first steps to becoming a dentist. She spent, and continues to spend, all her time studying, even multitasking with other activities like running or hula-hooping. She will spend hours with a book in her hands and a hula hoop going around non-stop.

When not studying, Elena spent her time helping others as a tutor. Her favorite part about tutoring was “the confidence I see in other students when they begin to understand the material and they exhibit an ambition to learn more.”

In the little free time she had, Elena was Sir Walter, Walsh University’s mascot. She was vice-president of Walsh University’s science club and pre-dental club.

Elena received Walsh University’s Outstanding Student Award, the most prestigious student academic honor given to a single senior with a grade point average greater than 3.9, interdisciplinary excellence, intellectual curiosity and a commitment to academic rigor and depth. Elena joined the math and science honors and business honors societies and presented research at the 2023 Ohio Academy of Science Conference.

Elena shadowed a Walsh University alumna and completed an internship at Niles Family Dentistry. When on break from school, Elena shows off her dental skills by practicing on her siblings and goes to her family’s dentist to watch and help him work on patients.

Elena graduated from Walsh University in May 2023 and is studying for a Doctor of Medicine in Dentistry at the Case Western Reserve University School of Dental Medicine. She joined Case Western Reserve University’s Delta Sigma Delta Dental Fraternity.

“College and dental school are expensive, so these scholarships helped alleviate the stress a little bit,” Elena said. “I would like to thank the donors who provided me the opportunity to receive the scholarships, as they have allowed me to continue pursuing my goal of becoming a dentist.”

Jolena

“I decided to apply for a GBU Foundation scholarship to lighten the overall cost of school,” Jolena said. “I knew I wanted to go on for more schooling, and this really helped me do that.” Jolena studied at Ohio State University (OSU), starting at the branch campus in Wooster, Ohio, and then moved to the Columbus main campus. She studied communications and worked part-time for the university’s engagement center. She was responsible for reaching out to alumni and keeping them engaged through updates on the campus and hospital.

At OSU, Jolena was a member of the Public Relations Student Society of America national organization for students interested in public relations and related fields, the Practice student-run public relations firm on campus, and MUNDO, a club focusing on culture and diversity.

After graduating a year early, Jolena continued working for the engagement center and took a role at the American Jersey Cattle Association, an association promoting the Jersey cattle breed. Her responsibilities ranged from writing and sending press releases, updating their website and working on the association’s monthly magazine. Jolena still works remotely for the association.

“The American Jersey Cattle Association and the engagement center both really helped me get where I am now,” Jolena said. “I like working in education, and writing is something I’ve loved for as long as I can remember.”

After gaining a year of experience, she moved to Sandusky, Ohio, where she is the education reporter at the Sandusky Register . Jolena covers all things school-related for surrounding counties.

“I feel like I am doing some really important work through the position I have now,” Jolena said. “I’m acting as the messenger between the people making decisions that affect entire communities and those who live in them.”

She has collaborated with local superintendents and teachers and officials as high up as the Ohio lieutenant governor. She has covered news stories from statewide debates on private school voucher programs to local schools’ academic competitions.

“Our grandma, Betty Gioiello, was a big help when it came to applying for the scholarship,” Jolena said. “I’m very thankful for her and all the donors who have given to the GBU Foundation's scholarships.”

The Gioiello family has had seven GBU Foundation scholarship recipients in total. Cousins Doug, Matt, Danya and Madison Gioiello also received scholarships.

“No other investment yields as great a return as the investment in education.”

– Brad Henry, former Oklahoma Governor

Please consider donating to the GBU Foundation to support scholarships for extraordinary scholars and leaders like Celine, Presley, Mario, Elena and Jolena. Your gift directly impacts students like them and ripples through our communities and our world.

You may give online at gbu.org/foundation or mail a check to the GBU Foundation, 4254 Saw Mill Run Blvd, Pittsburgh, PA 15227-3394. If you are interested in information about funding your own scholarship or educational grant at the GBU Foundation, please contact Charitable Giving and PR Specialist, Ken Elliott, at kenneth.elliott@gbu.org or 412-336-3246, or the Community Engagement Team at memberbenefits@gbu.org or 800-765-4428.

Happy Birthday to GBU!

Fri, 12 Apr 2024 15:20:07 GMT

Since its inception on April 13, 1892, GBU has been a pillar of stability in the realm of financial services. Founded on the principles of fraternalism and community, the company has witnessed significant changes over the years while steadfastly maintaining its core values.

The More Things Change

One of the most noticeable changes since GBU's founding has been the rapid advancement of technology. In 1892, when the company was established, transactions were recorded by hand, and communication was limited to letters and telegrams. Today, GBU utilizes cutting-edge digital platforms for customer service, claims processing and financial transactions. The introduction of the internet and mobile technology has revolutionized the way the company interacts with its members, making services more accessible and efficient than ever before.

Over the years, GBU has expanded its range of products and services to meet the evolving needs of its members. While the company initially focused on simple financial protection products, it has since diversified into more complex life insurance and annuity products offered in more states. This expansion has allowed GBU to offer comprehensive financial solutions to its members, ensuring that their needs are met at every stage of life.

The regulatory landscape surrounding insurance and financial services has undergone significant changes since GBU's

inception. From the introduction of new laws and regulations to the establishment of regulatory bodies, such as the Securities Exchange Commission (known as the SEC) and the Financial Industry Regulatory Authority (known as FINRA), the industry has become increasingly complex and tightly regulated. GBU has adapted to these changes by ensuring compliance with all relevant regulations and implementing robust internal controls to protect its members' interests.

The More they Stay the Same

Despite these changes, one thing that has remained constant throughout GBU's history is its commitment to fraternalism and community. From its early days, the company has prioritized the well-being of its members and the communities it serves. Whether through charitable initiatives, volunteer efforts or community events, GBU has always been dedicated to making a positive impact on the lives of its members and the wider community.

GBU has undergone significant changes since its founding 132 years ago, adapting to technological advancements, expanding its product offerings and navigating a complex regulatory environment. However, throughout its history, the company has remained true to its core values of fraternalism and community, ensuring that its members receive the support and financial security they need.

Birthday Match

Wed, 27 Mar 2024 19:51:50 GMT

HOW IT WORKS
Make a charitable donation to a 501(c)(3) organization on your birthday, and GBU Life (GBU) will match it, up to $100! To qualify, simply upload a receipt or screenshot of your donation and submit an online application to GBU within 60 days of your birthday.

For more information or to submit an application, visit REPORTER.GBU.ORG/BIRTHDAY-MATCH.

How about a Birthday Match reminder?

Email memberbenefits@gbu.org with your name and birth month, and we will send you a reminder during the month of your birthday!

Start a Facebook Birthday Fundraiser, and GBU will match what you raise, up to $250!

Give Back Groups Project Spotlight

Wed, 27 Mar 2024 19:46:43 GMT

Support GBU Community Pillars Through Project Start-up Funds

Wellness

Location: Wayne County, MI

GBU Member: Donna Povich

Benefiting Organization: Friends for Animals of

Metro Detroit

Project Description: Donna and fellow GBU members got together to purchase and collect food, blankets and towels for the animal shelter.

Charitable Giving

Location: Fond du Lac County, WI

GBU Member: Susan VandeBerg

Benefiting Organization: REACH Waupun

Hometown Hero Support

Location: Fayette County, PA

GBU Member: Ken Firestone

Benefiting Organizations: Normalville VFW, Springfield VHC, Indian Head VFD

Project Description: Ken and his team made phone calls, had collection boots in the community and facilitated an auction to help support three volunteer fire departments.

Education

Location: Washington County, PA

GBU Member: Mary Ann Berty

Benefiting Organization: Student run Trinity Leadership Committee

Project Description: A team of GBU members led by Mary Ann hosted a silent disco dance for special needs students and invited other schools to participate!

Choose how to help your community and request project start-up funds today! Visit gbucares.org/give-back-groups .

GBU Foundation Scholarships and Grants

Wed, 27 Mar 2024 19:41:33 GMT

Deadlines for GBU Foundation Scholarships, GBU High School Freshman Grants and Other Scholarships Are Approaching.

Visit reporter.gbu.org/scholarships-and-grants-2024 for complete details and application links for the programs below.

GBU Foundation

Four-Year Scholarships
Bert Waltenberger Memorial Scholarship
Clarence O. Affelt Architecture/Fine Art Memorial Scholarship
Two-Year Scholarships
Undergraduate Scholarships
Graduate Scholarships
Educational Grants

District 291–Summerhill-Lilly, PA, Scholarships

District 1000–LFA Scholarship

District 2000–ULS College and Seminary Scholarship

District 2000–ULS Graduate, Business, Community College or Trade School Scholarship

Additional Scholarships

New England Fraternal Alliance Scholarships

Pennsylvania Fraternal Alliance Scholarships

GBU High School Freshman Grants

For more information, please contact Charitable Giving and PR Specialist Ken Elliott at kenneth.elliott@gbu.org or 412-336-3246 or the Community Engagement Team at memberbenefits@gbu.org or 800-765-4428.

DIY Barbeque Sauce for Dad

Wed, 27 Mar 2024 19:34:43 GMT

This DIY BBQ Sauce is a delicious and practical Father’s Day gift that Dad will love.

INGREDIENTS

1 cup ketchup
1/2 teaspoon liquid smoke, optional 1 tablespoon Worcestershire sauce 1 tablespoon vinegar
1 tablespoon BBQ sauce
1/8 cup water, as needed 1/2 cup brown sugar
1 teaspoon onion powder 1 teaspoon chili powder 1 teaspoon minced garlic

INSTRUCTIONS

1. Help children measure out all the ingredients and add them to a large stockpot.

2. Children can stir after every addition if desired, but it doesn't need stirring until the cooking phase.

3. Place the stockpot over medium heat, stirring occasionally.

4. The sauce is done when all ingredients are completely combined and the sauce is thick enough to coat the back of a

spoon. This should take about 5 minutes.

5. Allow the BBQ sauce to cool completely before pouring into individual mason jars.

6. Secure the mason jar lids and add additional gift embellishments, as desired.

7. Let each child name their sauce jar (for example, “Griller's Gold Sauce” or “BBQ King's Special Sauce.”

RECIPE FROM: SUGARSPICEANDGLITTER.COM/BBQ-SAUCE

VIP Perks! Fun With Mom & Dad

Wed, 27 Mar 2024 19:28:45 GMT

GBU offers a wide range of member benefits, including VIP Perks! by Entertainment®. Spoil your mom and dad this year while enjoying local and national discounts on dining, entertainment and services. You can print coupons from home or simply redeem them from the mobile app! Activate your account by visiting https://inside.gbu.org/vip-perks .

Spoil Your Mom T his Mother’s Day!

Take Her to a Spa

Every once in a while, Mom needs to hang up her superhero cape and enjoy some time off — and there’s no better way to do it than with a day at the spa.

Take Her to a Salon

Has your mom been talking about wanting a new style or color? She may not want or need a new style, color or cut, but she may enjoy a blowout!

Take Her to a Nail Salon

Manicures and Pedicures can make your mom feel pampered and special, as well as pretty up her feet for sandal weather.

Spoil Your Dad This Father's Day!

Take Him Golfing

Perfect for the golf-loving father in your life. If you want to make Father's Day special for dear old Dad, send him on a golf getaway.

Take Him to the Race Track

Bring Dad to the racetrack! Drive a real NASCAR stock car, watch drag racing, battle on go-karts or drive a super exotic car.

Take Him for Ice Cream

Trips to the ice cream parlor with Dad are memories you will both cherish forever. As a reminder of these fun and laid-back times, treat Dad to ice cream.

Decorate-a-Plate For Mom

Wed, 27 Mar 2024 19:12:35 GMT

“Breakfast in Bed’ is a Mother’s Day staple. Elevate the tradition this year with this DIY plate your little ones will love making just as much as mom will love getting.

SUPPLIES

Plain, white dinner plates
Multi-colored Sharpie permanent markers

INSTRUCTIONS

Have little ones make a “work of art” on their plate for mom
Once finished, put the plate into a cold oven
Set the temperature to 350 degrees After 40 minutes, turn off the oven and let the plates cool

Make Waves and Earn Rewards with Give Back University

Wed, 27 Mar 2024 19:06:24 GMT

Between school, sports and hobbies, kids live busy lives! Sometimes it can be hard to find time to give back, but we have made some changes to our Give Back University program to reward you when they do something great for your community. Find out about our new program features below to start earning rewards today!

Complete a challenge each month and get entered to win a $250 gift card.
Earn an automatic $20 bonus gift card for every third challenge you complete.
As a Give Back University student, you have exclusive access to engaging small-group classes online.

FEATURED CLASS

A Teen Guide to Income and Entrepreneurship

In this one-time class, we'll explore various ways to earn income as a teen, including starting your own business. We'll explore important issues like paying taxes, protecting your privacy, staying safe and balancing work and school.

FEATURED CHALLENGE

Write a Letter to your Local Congressman

Youth make up a substantial portion of the population, and their voices and concerns deserve to be heard in the political decision-making process. Writing to local representatives allows you to actively participate in shaping policies that affect your future.

SIGN UP AT INSIDE.GBU.ORG/GIVE-BACK-U AND RECEIVE A COMPLIMENTARY SCHOLARS SWAG BAG.

Word Puzzle Spring Fling

Wed, 27 Mar 2024 19:00:22 GMT

FRATERNAL PUZZLE FOR MEMBERS AGES 10–14. Email contest@gbu.org or mail (GBU Fraternal Department, 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227–3394) the participant's name, email address and answers to this fraternal puzzle for a chance to win a $25 Tango gift card*. Members must provide a valid email address, as the gift cards are sent via email.

*Tango partners with hundreds of participating retailers and brands like Nike, Target, Amazon and more.

Jody Shapiro is a Forest Hills, Pennsylvania, native and owner of Aspire Enterprises and Yinzer Family Gifts N’at—where she turns her colorful computer creations, including images of her dogs and original black and gold Yinzer sayings, into shirts, mugs and other useful items that she sells in her Redbubble store redbubble.com/people/AspireToFind/shop?asc=u . Jody and her husband, Joel Bloom , live in Pittsburgh with their long-haired mini dachshund and social media influencer (@CodyBearTheDachshund) AKA Cody . Follow him for daily doses of dog humor and dog-themed poetry. Jody has been creating word puzzles for children since the mid-1980s. She has been a GBU member since the late 2000s. aspiretofindasolution.com

We Found the Favorite End-of-Year Teacher Gifts

Wed, 27 Mar 2024 18:56:07 GMT

Looking for the perfect way to show appreciation for your child(ren)’s teachers?

Let’s face it. Life is busy with work, meal prepping, appointments, bills and everything else under the sun. Sometimes it’s difficult finding a moment to sit down, let alone finding the time to think about a thoughtful gift for the educators in your student(s)’ lives.

We understand that it can be hard to add something else to your already overflowing plate. That’s where we enter the scene. We’ve found the best end-of-year teacher gifts, so you don’t have to. And while we don’t like to brag, we know that these gifts won’t just sit around and collect dust. Instead, these presents will actually be used!

Most Requested Gifts

Drumroll, please. The most requested end-of-year teacher gifts are Paper Mate® Flair® pens. Yes, you read that right. Pens. Remember that we’re going for usefulness and practicality here! Besides, who couldn’t use more pens?!

From what we’ve heard, these Paper Mate Flair Pens are hot commodities among teachers. Plus, they come in fun, bright colors that won’t bleed through paper.

Personalized Teacher Gifts

Who doesn’t like receiving something with their name on it?! Or is that just a guilty pleasure of ours? Either way, you can’t tell us that your child(ren)’s teacher(s) wouldn’t love receiving personalized notecards or even a personalized pen.

Inexpensive Teacher Gifts

You can never go wrong with a thoughtful handwritten thank-you note. Have your student(s) express appreciation to their teacher(s) with a few kind words or even a poem.

You know what else is sure to please? A candy bar. Tell us who wouldn’t love receiving a good ol’ piece of chocolate?! Not only is this a budget-friendly option, but it’s also super easy, eliminating any worries of online ordering and wondering whether the gift will arrive on time for the last day of school. Instead, you can quickly grab a candy bar from the grocery or convenience store. Heck, even the gas station offers them!

Another inexpensive gift option is hand soap, which is especially useful for the classroom. For an added discount toward the purchase, be on the lookout for sales and coupons. Since soap doesn’t go bad, you can always buy hand soap in advance if you find a great deal.

Do you have a flower garden, or do you know someone who does? A fresh bouquet of flowers is always a sweet surprise for any teacher. Have an old vase laying around? If not and you have to purchase one, consider checking on the shelves at your local thrift shop.

Benefits of Exercise for Mental Health

Wed, 27 Mar 2024 18:52:18 GMT

Whether it is yoga, weightlifting or just a walk around the block, all exercise has multiple benefits for your mental health.

Increases energy levels
Combats depression & anxiety
Improves sleep
Sharpens memory & cognition
Improves social well-being
Boosts confidence
Happier moods
Increased self-esteem
Reduces stress levels

2024’s Trendsetting Tints

Wed, 27 Mar 2024 18:44:01 GMT

Your Space Will Pop With Peach!

An emerging color trend in the 2024 home décor realm is the color peach. Pantone announced the 2024 Color of the Year as Peach Fuzz, marking the 25th year of the program. Peach is a subtle yet versatile hue that is the perfect balance of softness and warmth.

A statement color, peach is a stylish choice that adds a touch of sophistication and contemporary elegance. It suits different home décor styles, such as eclectic bohemian, which is a carefree design style that mixes colors and patterns, and neo-traditional, which is a contemporary take on traditional design. Introducing peach into your home can be tricky, but we’ve created a guide to help you freshen up your space in a variety of ways.

1. Peachy Paints

If you’re looking to make a splash with Pantone’s 2024 Color of the Year, dive right in with peach paint! Consider painting entire rooms, bookcases or even kitchen cabinets to bring this warm hue to life in your home. If you’re lacking inspiration, try using an online color palette generator to give you some ideas on what colors work best with Peach Fuzz.

2. Woven Warmth

Easily elevate the comfort and charm of your space with peachy textiles. Peach is inherently a warm tone, so rugs, pillow covers or tapestries of the same color will naturally create a soft and welcoming atmosphere. Plus, it’s a quick and cost-effective way to add style to your home. Peach tones lend a subtle playfulness and vibrancy to a room, which makes it the perfect color to introduce for spring.

3. Fuzzy Finishes

A fun and unexpected way to add Peach Fuzz to your home is through art. Search for paintings with your desired level of peach tones present and show them off in your living room or entryway. Neutral colors pair well with peach, which makes it an easy color to design around. If art is too big of a commitment, think smaller items, such as vases or candles, that reflect the 2024 Color of the Year. You can’t go wrong with a candle that is on trend and emits a fresh, inviting scent!

New and Refreshing Recipes To Try This Spring

Wed, 27 Mar 2024 18:37:14 GMT

Spinach and Green P ea Empanadas

Ingredients

Dough

1½ cups water
1 tablespoon kosher salt
3 tablespoons unsalted butter or lard
2 teaspoons sweet smoked paprika (pimentón de la Vera)
3¾ cups all-purpose flour, plus more for dusting on dough

Filling

10 ounces spinach, stemmed
½ cup shelled fava beans or thawed frozen lima beans
¼ pound green beans
2 tablespoons unsalted butter
3 tablespoons extra-virgin olive oil
1 medium onion, thinly sliced
2 garlic cloves, minced
1 cup frozen peas, thawed
2 tablespoons chopped mint
1 tablespoon chopped thyme
Salt and freshly ground pepper

Time

Active time: 1 hour

Total time: 2 hours 30 minutes

Yield: 32 servings

Directions

In a small saucepan, combine the water, salt, butter and paprika and bring to a boil. Pour the mix into a large bowl; let cool to room temperature. Stir in the 3¾ cups of flour until the dough forms. On a lightly floured work surface, knead the dough until smooth; wrap the dough in plastic and refrigerate until firm, about 1 hour.

In a saucepan of boiling, salted water, cook the spinach for 1 minute. Using a slotted spoon, transfer the spinach to a colander. Add the fava beans to the boiling water and cook until bright green, around 1 minute. Using a slotted spoon, transfer the fava beans to a plate. Add the green beans to the boiling water and cook until tender, around 4 minutes; drain and finely chop the green beans. Peel the outer skins from the fava beans. Squeeze the excess water from the spinach, then coarsely chop it.

In a large skillet, melt the butter in the olive oil. Add the onion and cook over moderate heat, stirring occasionally until softened, around 10 minutes. Add the garlic and cook until fragrant, around 3 minutes. Stir in the spinach, fava beans, green beans and peas and cook, stirring, until heated through, around 2 minutes. Stir in the mint and thyme and season with salt and pepper.

Preheat the oven to 350° F. Lightly oil 2 large baking sheets. On a floured work surface, roll out the dough ⅛-inch thick. Using a 3½-inch round biscuit cutter, cut out 32 rounds from the dough. Moisten the edge of 1 dough round with water. Mound 1 tablespoon of the vegetable filling on half of the round and fold the other side over. Press to seal the dough; pinch at intervals to make pleats. Repeat with the remaining dough rounds and filling.

Arrange the empanadas on the prepared baking sheets and bake in the upper and lower thirds of the oven for about 30 minutes, until browned. Serve the empanadas warm or at room temperature.

Pasta al Limone

Ingredients

1lemon
12 ounces spaghetti or similar pasta
Kosher salt
¾ cup heavy cream
6 tablespoons unsalted butter
3 ounces finely grated Parmesan (about ¾ cup)
Freshly ground black pepper

Time

Active time: 15 minutes

Total time: 15 minutes

Yield: 4 servings

Directions

Using a vegetable peeler, remove two 2-inch-long strips of zest from 1 lemon. Thinly slice each strip lengthwise into thin strands; set aside for serving. Finely grate remaining lemon zest into a large pot. Cut zested lemon in half and squeeze out enough fresh lemon juice to yield 2 tablespoons into a small bowl; set aside.

Cook spaghetti in another large pot of boiling, heavily salted water according to package directions, stirring occasionally, until very al dente (the pasta will finish cooking in the sauce).

Add ¾ cup of heavy cream to the pot with the lemon zest and cook over medium heat, whisking often, until the liquid is just beginning to simmer, about 2 minutes. Reduce the heat to medium-low. Whisk in 6 tablespoons of unsalted butter until melted and the sauce is creamy. Remove from the heat.

Just before the pasta is al dente, scoop out 1½ cups of pasta water. Add ¾ cup of pasta water to the cream sauce and return to medium heat. Using tongs, transfer the spaghetti to the pot with sauce. Cook the pasta, tossing often and adding 3 ounces of finely grated Parmesan, around ¾ cup, little by little, until the cheese is melted and the sauce is creamy, around 3 minutes. Remove from the heat and stir in the reserved lemon juice. If the sauce looks tight, add 1 to 2 tablespoons more pasta water. Season with more salt, if needed.

Divide pasta among bowls. Season with freshly ground black pepper, then garnish with the reserved lemon zest strips.

There's No Place Like "Stay At Home"

Wed, 27 Mar 2024 18:28:09 GMT

According to the Pew Research Center, in 2021, many stay-at-home moms (79%) and dads (23%) said they took care of the home or family, otherwise known as caregiving. Anyone who has found themselves in a comparable situation knows that leaving corporate America for a life of housekeeping and caregiving is no walk in the park. Maintaining a “stay-at-home” designation, whether for your kids or for other loved ones, is just as tiresome as a “corporate” position—if not more so. So, what are some tips to help stay-at-home caregivers focus on “employee benefits” like salary, life insurance and retirement (social security and 401[k]s) like those of their office counterparts? In this article, we will dive into all three benefit areas.

A common concern for those considering entering a stay-at-home position is the loss of salary. For example, a two-adult household where one partner decides to stay at home goes from a two-income to a single-income family. Not to mention the unique mental burdens placed on both the “working” and the stay-at-home parent. Because there is plenty of work to match the hectic work schedule of a full-time job, sites like TaxSlayer say, “There are several potential credits associated with having dependents – the biggest being the Child Tax Credit,” which recognizes stay-at-home status and may help soften the blow of a loss of income. Also, according to job sites like Indeed.com, a search performed on Google from Pittsburgh, Pennsylvania, on January 25, 2024, showed 513 available jobs for stay-at-home parents (i.e., jobs that can be done during naptime or periods where someone else can take over). All this shows that there are options for those who still need to generate an income while performing their caregiving duties.

In my experience, life insurance is an income benefit offered by many employers but not commonly thought about in the younger demographic or during the decision to “stay at home.”

My wife, mother of two and former stay-at-home mom, looked at the life insurance benefit offered by my former company, which covered one year’s salary and realized how quickly that would be depleted should something ever happen to me. It had her considering additional coverage for both me and her. Because she hadn’t ruled out pursuing her career later down the road, a Select Choice Term Life1 insurance policy with a spousal rider from GBU could have given us the additional coverage needed to supplement my benefit from work. This policy could have also cost-effectively covered her should something have happened to her during that time.

Lastly, another important factor in the decision to stay at home is retirement. Did you know that, according

to a 2023 survey by the Employee Benefit Research Institute, 26% of caregivers in the upper-income group are less confident in their retirement prospects than non-caregivers? In a standard office position, a portion of employees’ salaries are deducted and sent towards their social security and are oftentimes elected for building up a 401(k). But are families factoring that in when deciding to go to full-time “stay at home”? It’s especially important to consider if the “stay-at-home” status is temporary and that person wants to get back into the workforce later on. There are companies like APB Retirement to help you facilitate a 401k plan that works for you/your role as a stay-at-home caregiver. Alternatively, rolling money over from a previous 401(k) to a GBU Future Flex Fixed Index Annuity2 will allow your retirement savings to continue to grow, while protecting against the loss of principal. You can add additional funds to this annuity at any time as you are able.

Overall, we need to acknowledge the necessities of caregivers and the impact this decision will have on the “employee benefits” we discussed like supplemented income and making up or lessening the hit when going from a two-person income down to one. We also touched on life insurance policies should anything happen to the one choosing the responsibility of staying at home and taking care of those who matter most. And finally, we finished with efforts to continue growing retirement savings for the stay-at-home caregiver. With the rising cost of care, both for children and adults, it’s no wonder why so many are choosing a stay-at-home life. But we want to make sure that we’re doing it in the most fiscally responsible way.

1 GBU Life is the marketing name for GBU Financial Life (GBU), Pittsburgh, PA. Coverage can remain in force until age 95 as long as premiums are paid when due, however, after your level-term period ends, your coverage becomes annually renewable with rates that will increase annually. Convertible to permanent whole life insurance up to age 70. Riders are optional and have additional fees associated with them. Please see policy and rider coverage for complete details. Policy Form Series: ICC20-ST, FL20-ST.2, GEN20-ST, ND20-ST.

2 Annuities are not short-term products and are issued by GBU. Withdrawals prior to 59½ may be subject to IRS penalties. Products and features may not be available in all states. This is a summary of the contract provisions. Please refer to the contract for complete details of surrender charge schedule, benefits and exclusions. NOT A DEPOSIT OF A BANK AND MAY LOSE VALUE-NOT BANK GUARANTEED. Contract Form Series: ICC23_FPDA_IA_ CON_(01-23), FPDA_IA_CON_FL_(07-23), FPDA_IA_CON_ (07-23), FPDA_IA_CON_(07-23)ND, ICC23_SPDA_IA_CON_ (01-23), SPDA_IA_CON_FL_(07-23), SPDA_IA_CON_(07-23), SPDA_IA_CON_(07-23)ND.

Life insurance underwritten and annuities offered by GBU. Coverage is subject to approval and may not be available in all states.

GBU and its agents do not provide tax, legal or investment advice. Please consult with a legal or tax professional prior to the purchase of any contract.

GBU is not affiliated with the organization(s) listed herein.

Understanding IRS Forms 1099-R and 5498

Wed, 27 Mar 2024 18:17:36 GMT

What Transactions Trigger Them and When to Expect Them?

When it comes to taxes, navigating the various forms can be daunting. Two important forms to understand are IRS Forms 1099-R and 5498, which report different types of financial transactions to the IRS. Let’s delve into what triggers these forms, when to expect them and what they mean for you as a taxpayer.

IRS Form 1099-R: Form 1099-R is typically issued by financial institutions or retirement plan administrators to report distributions from retirement accounts, pensions, annuities and other similar plans. Here are some common transactions that trigger Form 1099-R:

1. Annuity Distributions: If you receive distributions from an annuity contract, whether it's a fixed, variable or indexed annuity, they will be reported on Form 1099-R.

2. Retirement Distributions: If you withdraw funds from your IRA, 401(k) or other retirement accounts, you will likely receive a Form 1099-R. This includes both normal distributions and early withdrawals.

3. Pension Payments: If you receive pension payments from a former employer, those payments are reported on Form 1099-R.

4. Rollovers: Certain rollover transactions, such as moving funds from one retirement account to another, may also trigger a Form 1099-R.

Form 1099-R is typically issued by January 31 of the following tax year. This allows taxpayers to accurately report their retirement income on their tax returns.

IRS Form 5498: Form 5498 is used to report contributions, rollovers and the fair market value of certain retirement accounts. Here are the main transactions that trigger Form 5498:

1. IRA Contributions: If you make contributions to a traditional IRA, Roth IRA or SEP IRA during the tax year, your financial institution will report those contributions on Form 5498.

2. Roth IRA Conversions: If you convert funds from a traditional IRA to a Roth IRA, the conversion amount will be reported on Form 5498.

3. Rollovers and Transfers: Any rollovers or transfers between retirement accounts, such as moving funds from an employer-sponsored plan to an IRA, will be reported on Form 5498.

4. Fair Market Value: Financial institutions also report the fair market value of your IRA on Form 5498.

Form 5498 is typically issued by May 31 of the following tax year. Because taxpayers have up until Tax Day to make their contribution, the form is generated after, allowing reconciliation of retirement account contributions and rollovers when preparing tax returns.

It’s important to review Forms 1099-R and 5498 when preparing your taxes, as they provide crucial information about your retirement accounts and potential tax liabilities. If you have any questions or notice any discrepancies on these forms, don’t hesitate to reach out to GBU or the issuing institution or consult with a tax professional for guidance. Understanding these forms and their timing will help ensure accurate reporting and compliance with IRS regulations.

Make the Most of Your RMD

Wed, 27 Mar 2024 18:14:50 GMT

Maximize your RMD’s impact through charitable donations or life insurance.

Time to take out your Required Minimum Distribution (RMD)? Did you know you can use your RMD to purchase financial products that can help to secure the future for you, your loved ones or a charitable organization that you care about? Talk to your agent today to discuss some options that may be right for you or request an appointment with an agent near you at gbu.org.

Purchase a whole life policy for your grandchildren

Start your grandchildren on the road to financial success with a GBU membership. GBU's Youth 3 Pay Life insurance is permanent life insurance that offers a lifetime of coverage for just three annual payments.

Your child or grandchild becomes a GBU member and remains a member as long as the policy is active. GBU members have access to special members-only discounts, events and contests as well as education, volunteer, scholarship and grant opportunities.

- Cash Value Growth. Youth 3 Pay Life insurance accumulates cash value that can be borrowed against, with interest

to help your child or grandchild secure education loans, make mortgage down payments or weather emergency

situations.

- Dividends. Youth 3 Pay Life insurance is expected to earn dividends that can be used to purchase additional paid-up

coverage, held with interest or paid out in cash.

- Competitively Priced Coverage. Policy face values range from $5,000 to $50,000 for youth of current ages 0–17.

Policy rates are based on age, gender and amount of coverage requested. Policy is paid in full in three annual

payments.

Make a donation to the GBU Foundation

Your qualified charitable distributions can satisfy all or part of the amount of your RMD from your IRA. For example, if your 2023 RMD was $10,000, and you made a $5,000 qualified charitable distribution for 2023, you would have had to withdraw another $5,000 to satisfy your 2023 RMD.

HOW IT WORKS

- You can make a tax-deductible donation of all or part of your RMD to the GBU Foundation.

- Send the donation to 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227-3394 in the form of a check made out to

the GBU Foundation.

- We will send you back an acknowledgement letter of the amount donated.

- Let your tax preparer know that you made the donation. It will need to be reported on your 1099-R form, 1040 form

and form 8608 with your 2023 taxes.

For more information on how to satisfy your RMD with a charitable donation, consult your tax preparer or CPA.Tax info is provided by H2R CPA. H2R CPA is a full-service accounting and business advisory firm celebrating over 60 years serving closely held businesses, nonprofit organizations and High Net Worth individuals. The team specializes in comprehensive tax, assurance and business consulting services. GBU Life does not provide tax advice. You should consult with a legal or tax professional for any such matters.

GBU Life is the marketing name for GBU Financial Life. Life insurance underwritten and annuities offered by GBU Financial Life (GBU), 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227. Dividends are not guaranteed. A parent or legal guardian must sign the application. If the policy is to be owned by someone other than the parent or legal guardian, the parent or legal guardian must also sign the application. Riders are optional and have additional fees associated with them. Product not available in all states. Please see policy and rider coverage for complete details. Contract Form Series: ICC19-Y3Pay, FL20-Y3Pay.

GBU-RMD-0324

When Life Gives You Traffic, You Prepare With a Good Podcast

Wed, 27 Mar 2024 17:50:40 GMT

GBU members know how to prepare ...

Do I need my sunglasses, umbrella or snow boots on this spring morning? Will my 10-mile commute take 15 or 45 minutes? Is that pothole a little bump on the road or a sinkhole waiting to swallow my car?

We ask these questions every day as we prepare to go outside with our sunglasses, umbrellas, snow boots, podcast playlists and ... grappling hooks. But, of course, as a GBU member, you know there is one more tool you can add to your toolkit to prepare for the road ahead—life insurance!

In addition to helping provide financial security for those you love most, GBU’s Secure Series Whole Life coverage helps you with life’s difficulties along the way by accumulating cash value that you can borrow in case of, well, a rainy day. With a wide range of face values and payment terms, you can purchase a policy that meets your needs and budget now, with the ability to purchase additional coverage during certain periods of your life with the Guaranteed Purchase Option Rider.

Ready to add a Secure Series Whole Life policy to your plan to be prepared? Talk to your agent, or visit gbu.org , and click on Request an Appointment to match with a great GBU agent in your area!

GBU Life is the marketing name for GBU Financial Life. Life insurance is underwritten by GBU Financial Life (GBU), Pittsburgh, PA. Policy will mature when insured reaches age 121. Payment of dividends is not guaranteed as the assumptions on which they are based are subject to change. Loans and withdrawals taken against a permanent life insurance policy will reduce the death benefit and may result in a taxable situation. Riders are optional and have additional fees associated with them. Policy and features are subject to approval and may not be available in all states. Please see policy and rider for complete details. GBU and its agents do not provide tax, legal or investment advice. Please consult with a legal or tax professional prior to the purchase of any contract. Contract Form Series: ICC20-WL, FL20-WL.2, ICC20-SPWL, FL20-SPWL.2, GEN20-WL, GEN20-SPWL, ND20-WL, ND20-SPWL

GBU-Reporter-AD-0224

Your Guide to a Sustainable Spring at Home

Fri, 16 Feb 2024 13:20:39 GMT

Embracing sustainability in your home is a great way to revitalize your space while keeping the environment in mind. By incorporating these sustainable items into your home this spring, you’ll bring authenticity, style and responsibly sourced materials to the forefront of your space. These items will not only refresh your home this season but also create a commitment to a greener, more sustainable future for you and your family.

1. Wick to Bloom

SOURCE: MODERNSPROUT.COM

With the Grow & Glow Kits from Modern Sprout, you receive a candle along with a grow kit for a plant that you’ll grow out of the same ceramic cup the candle once burned in! This reduces waste from the candle and allows you to grow a beautiful plant from the type of seeds you select. Giving these ceramic cups a second chance promotes waste-free design and cost consciousness.

2. Love in a Laundry Basket

SOURCE: IKEA.COM

The LJUNGAN laundry bag from IKEA is made by Classical Handmade Products in Bangladesh, a social business that creates hand-woven and machine-woven home furnishing products. They use natural materials like jute, seagrass and water hyacinth in their products, as well as recycled textile waste and sustainably sourced cotton. This basket is braided in jute and provides job opportunities to women and people with disabilities living in rural areas.

3. Redefining Rugs

SOURCE: RUGGABLE.COM

Each year in the United States, over four billion pounds of carpet and rug waste make their way into landfills. Ruggable rugs are machine washable, nonslip and stain resistant while avoiding harsh chemicals, making them safe for people and pets. These rugs are also made with over 70% recycled materials in facilities all over the country, from California to North Carolina.

Bamboo is better

Switching to bamboo paper products can help wipe out deforestation and offset carbon emissions. Brands like Cloud Paper are chlorine free and responsibly sourced so you can help make an impact on the planet.

SOURCE: CLOUDPAPER.CO

Why Flexibility Is Important for Older Adults

Thu, 01 Feb 2024 23:45:53 GMT

Flexibility is important, no matter one’s age, but flexibility is especially important to the overall health of older adults. Incorporating a consistent stretching routine will help improve range of motion, balance, circulation, muscle tone and posture, and you will find yourself moving around with greater ease.

Stretching is one way to increase flexibility. It is a form of physical exercise in which a specific muscle or tendon is deliberately expanded and flexed in order to improve the muscles’ felt elasticity and achieve comfortable muscle tone.

You may think that stretching is something only athletes perform, but we all need to stretch to protect our mobility and independence. Without stretching, the muscles shorten and become tight. Then, when you call on the muscles for activity, they are weak and unable to extend all the way. That puts you at risk of joint pain, strains and muscle damage.

The idea of a daily stretching routine may seem overwhelming, but you don’t have to stretch every muscle you have. The areas critical for mobility are in your lower extremities: calves, hamstrings, hip flexors and quadriceps. Stretching your shoulders, neck and lower back is also beneficial.

The first step in improving your flexibility is to get moving more each day. Even just walking more is going to set wheels in motion to improve your flexibility. Other activities that increase flexibility include yoga, Pilates, swimming, dancing, tai chi and massage. Don’t overcomplicate it! Keep it simple. Take small, progressive steps and stay consistent.

Laqueeta comes to GBU Life with a passion for building and fostering relationships in the community. She is an entrepreneur with a strong customer service background and is an active member in the community. As the District Engagement Specialist for the Great Lakes Region, she will assist district leaders and members in engaging and growing membership through fraternal activity.

Delicious Drinks to Warm Up Your Winter

Thu, 01 Feb 2024 22:59:01 GMT

Love Bugs: DIY Valentine Treats

Thu, 01 Feb 2024 16:01:13 GMT

Supplies

Wooden clothespins
Mini bags Valentine M&M’s
Red pipe cleaners
Googly eyes with adhesive backing
Glue stick
Scissors
Glitter

Instructions

Rub glue all over the front of the clothespin and sprinkle with glitter
Stick the googly eyes onto the top of the clothespin
Cut the pipe cleaners in half, then fold each one around the pack of candy so that the pack is pinched in the middle
Leave the pipe cleaners open at the top
Slide your clothespin onto the middle of each package
Twist the ends of the pipe cleaners to look like antennas

Photo and idea from

myhomebasedlife.com/valentine-candy-love-bugs-craft/

Birthday Match 2023

Thu, 01 Feb 2024 13:31:20 GMT

Here’s how it works

Make a charitable donation to a 501(c)(3) organization on your birthday, and GBU Life (GBU) will match it, up to $100! To qualify, simply upload a receipt or screenshot of your donation, and submit an online application to GBU within 60 days of your birthday.

Start a Birthday Facebook Fundraiser, and GBU will match what you raise, up to$250!

For more information or to submit an application, visit reporter.gbu.org/birthday-match

How about a birthday reminder?

Email memberbenefits@gbu.org with your name and birth month, and we will send you a reminder during the month of your birthday!

Give Back Group Project Spotlight: University of Pittsburgh Rowing Club

Thu, 01 Feb 2024 13:07:34 GMT

University of Pittsburgh Rowing Club Uses Give Back Group Program for New Racing Shell

In 1988, the University of Pittsburgh Rowing Club (referred to as Pitt Crew) was established to give students the opportunity to join the centuries-old sport of rowing. Since its inception, the club has found great success at regattas and building a thriving alumni community.

As the club has grown in numbers and prestige, it has also expanded its fleet to accommodate the new active member base. However, as racing shells have been heavily used over the years for practice and racing, they experience wear and tear and eventually succumb to their age. The club takes great pride in taking care of and maintaining its equipment. Eventually though, some racing shells reach their life expectancy and start to negatively impact performance due to the

constant need for major and minor repairs.

This past summer, one of the Pitt Crew’s eightman rowing shells had severely deteriorated, and the team decided to launch a crowdfunding campaign to support the purchase of a new boat. After extensive research and planning, the club

found a boat to purchase and launched the “Make the Eight” campaign to ask the Pitt Crew community’s established alumni, family and friends for their support.

Through the university’s EngagePitt program, the campaign ran for 43 days with a $6,000 goal. Through the generosity and support of their community, as well as GBU’s Give Back Group contribution, they were able to meet their $6,000

goal, allowing the Pitt Crew to buy the new eightman racing shell. This new purchase enables the team to practice their eight-man boats more frequently, greatly increasing their competitive potential.

Give Back Groups

If you are working to raise funds for an organization that impacts your local community, GBU will match the funds your

group raises, up to $1,000 per GBU member to a maximum of $5,000 per group. Fundraising can be organized in any way you prefer: in person, through a mail campaign or even via Facebook. The funds matching must be for a qualifying 501(c)(3) organization that impacts your local community. The organization must have a listing on Charity Navigator.

VISIT GBUCARES.ORG/GIVE-BACK-GROUPS TO REQUEST APPROVAL FOR YOUR GIVE BACK GROUP.

Snow Safety Tips

Fri, 26 Jan 2024 03:02:14 GMT

To Follow at Home, On the Road, and Outside!

At Home

Have your heating system checked.
Clean out your gutters.
Insulate windows and water lines that run along exterior walls.

On the Road

Pack essential items in your car in case of an emergency. These include a blanket, hats and gloves, a flashlight and batteries, a bag of sand or cat litter and a first-aid kit.
Check your tires’ tread and replace them if needed before inclement weather.
Make sure fluids (including the gas tank) are full.

Outside

Layer up! Wear a layer or two of clothing underneath a hat, gloves, scarf and boots for the ultimate protection.
Make sure you have the tools you need to tackle snow and ice, like a snow shovel and ice-melting products.
After a winter storm, be aware of your surroundings and watch out for fallen branches, trees and ice. Take your time when shoveling.

Winter Family Fun

Thu, 25 Jan 2024 14:06:31 GMT

With the cold winter months, it’s easy to want to stay in. But there is still a fun world, ready to explore, even when the temperatures are low. Here are some ways you can break out of the winter funk and provide a family experience that’s worthy of some good times.

TRIP TO THE MUSEUM

Museums provide a fun, warm day out, with exhibits and activities available year-round. Plus, as a member of GBU, you have access to discounted tickets and buy one, get one offers for participating museums near you, thanks to VIP Perks! by Entertainment ^® .

“FUN” CENTERS

With VIP Perks! by Entertainment, you can treat the whole family to local “fun” centers this winter season. Find dozens of things to do, games to play, obstacles to climb–all in heated indoor comfort (and with deals like “buy one ticket, get one ticket for free”)!

WINTER MOVEMENT

Though ice skating is an activity that’s enjoyed all year round, there’s something magical about it during the winter months. Especially when the skating rinks are located OUTSIDE! Through VIP Perks! by Entertainment, you will find deals for local ice-skating spots–like buy one, get one free–that are sure to get the family moving!

FROM FLORIDA, WITH LOVE

For those wanting the chance to spread their wings down south, VIP Perks! by Entertainment offers generous discounts to lands far, far away. For instance, take a 30% off deal to visit LEGOLAND® Florida Park. Escape the chill and visit a sunny destination at a discounted price.

GET EXCLUSIVE PERKS

As a member of GBU, you have access to VIP Perks! by Entertainment, a community discount program offering local and national coupons on dining, entertainment and other services. Print coupons from home or simply redeem them from the mobile app!

Visit inside.gbu.org/vip-perks to sign up for your VIP Perks! by Entertainment local deals today.

Give Back Group Project Spotlight: Holiday on Mane

Tue, 23 Jan 2024 20:08:12 GMT

“Snow and cold weather set the scene for a picturesque Holiday on Mane event,” Dennis Haasl shared.

As part of Team Deck the Stalls, Haasl participated in the Give Back Group program for the Holiday on Mane fundraiser in Elkhart Lake, WI, on December 3, 2023, to raise money for the Amazing Grace Equine Sanctuary.

Many young families were in attendance, feeding horses apple treats, sitting on Santa‘s lap and having a warm bowl of soup. People of all ages gathered around an outside firepit while enjoying warm drinks and socializing for the afternoon. Plus, volunteers made soups and desert treats that were sold to the attendees.

The Holiday on Mane fundraised $2,297.26, and the GBU Give Back Group matched dollar for dollar bringing the total to $4,595.52. "Thanks to GBU we can rescue and care for more abandoned, neglected and abused horses,” Seifert said.

Give Back Groups

If you are working to raise funds for an organization that impacts your local community, GBU will match the funds your group raises, up to $1,000 per GBU member to a maximum of $5,000 per group. Fundraising can be organized in any way you prefer: in person, through a mail campaign or even via Facebook. The funds matching must be for a qualifying 501(c)(3) organization that impacts your local community. The organization must have a listing on Charity Navigator.

VISIT GBUCARES.ORG/GIVE-BACK-GROUPS TO REQUEST APPROVAL FOR YOUR GIVE BACK GROUP.

Optimity Community Connection

Sat, 20 Jan 2024 01:44:38 GMT

For health, wellness and

community connection

If you are an Optimity user, it is safe to say that health and wellness are top priorities for you. Optimity helps motivate different activities like stretching and drinking water, earning you gift cards to your favorite retailers and brands.

While physical fitness is essential for maintaining good health, staying connected to those around you and to your community also plays a vital role in promoting overall well-being. The combination of physical health and community connection creates a synergistic effect that enhances your quality of life and contributes to a longer, healthier and more fulfilling existence.

That being said, we introduce to you a crucial new component of the Optimity program: Community Connection.

Now through Optimity, you will be rewarded for not only your health and wellness but also your connection to your community. Log your volunteer hours and receive gems toward your favorite gift cards. Complete custom challenges like donating nonperishable food items and line-drying your clothes to conserve energy. Simply upload a picture and caption and earn gems toward gift cards in one click.

Not on Optimity yet? Opt in at

inside.gbu.org/optimity .

EARN GIFT CARDS FROM THESE RETAILERS AND MORE!

Give Back University Community Challenges and Virtual Events

Wed, 17 Jan 2024 00:58:29 GMT

Learning Today. Leading Tomorrow.

GBU’s Give Back University is an exciting initiative to help build the next generation of leaders. Our job at Give Back University is to provide you with the opportunities, resources and connections you need to become a leader in your community. If you go on this journey with us, you will receive up to $1,000 in additional education or community development grant money upon program completion. Earn points when you participate in a combination of community

challenges and virtual events.

FEATURED CLASS

“How to Focus, Manage Your

Time and Be Productive”

Whether you’re studying for a test, practicing for a sports tournament or starting a business, focusing on a single task is the fastest route to success. That’s probably why Bill Gates, Warren Buffet, Steve Jobs and many more successful people say that the single biggest reason for- their success is their unique ability to focus.

While many people believe that they can focus, brilliant people all over the world are working hard (and making a lot of money) to make phones, apps, video games, TV shows and just about everything else as distracting and attention-grabbing as possible. On top of that, our biology and brains often make things worse.

In this class, we’ll learn the biases, tricks and strategies to “hack” your brain so that you can focus, get “in the zone,” do your best work and get things done. We will learn the latest techniques and strategies to make the most of your focus, time and effort.

FEATURED CHALLENGE

Make a Jared Box

The Jared Box Project was started in 2001 by the children of Our Lady of Victory School in State College, Pennsylvania, to honor their classmate and friend. Since then, more than one million Jared Boxes have been delivered to over 500 hospitals across the United States. Boxes filled with the “gift of play” are given to young patients in emergency rooms, hospital rooms, surgical centers, and clinics. Each box contains small gifts, toys, games, crayons, coloring books, and fun activities selected for a specific age and gender.

For this challenge, students build a Jared Box and use the “Find a Hospital” feature to find a participating hospital near them to deliver their box. GBU will reimburse all expenses incurred for this challenge.

SIGN UP AT INSIDE.GBU.ORG/GIVE-BACK-U

AND RECEIVE A COMPLIMENTARY SCHOLARS SWAG BAG.

Beat the Winter Blues with TV Trivia!

Tue, 16 Jan 2024 22:30:57 GMT

Have you been keeping up with your favorite shows?

Test your knowledge and speed with this season's online game.

Monday, January 15–Friday, February 9, 2024

HOW TO PLAY

Go to inside.gbu.org/trivia starting on Monday, January 15, 2024, at 8 AM ET , and click on the link to the game.
Answer trivia questions about TV shows past and present. You have two answer as many questions as you can. The faster you answer, the more points you score!
Keep an eye on the leaderboard until the end of the game on Friday, February 9, 2024, at 4 PM ET .
The top ten players on the leaderboard at the end of the game win a $20 Amazon gift card! All players will be entered in a random drawing for a chance to win a $250 Amazon gift card.

Only one entry permitted per GBU member. Amazon gift cards will be awarded digitally via email. See official rules posted on the game site prior to gameplay.

Sixth Annual Women Who Rock Benefit Concert

Sat, 13 Jan 2024 03:46:34 GMT

GBU LIFE WAS HONORED TO BE THE 2023 OFFICIAL STAGE SPONSOR FOR THE 6TH ANNUAL WOMEN WHO ROCK™ BENEFIT CONCERT AT STAGE AE ON OCTOBER 21, 2023.

Women Who Rock is a female-founded brand on a crusade to champion women in music and women’s health awareness. They have raised millions of dollars for women’s health research and created awareness internationally.

Their mission is to connect through the power of music and help to educate, support and fund women-centric health and music endeavors.

At the October 21 concert, Lesley Mann, chief marketing and distribution officer, represented GBU Life by presenting our sponsorship check to benefit Women Who Rock which raised over $280,000 before the doors even opened!

Headlining this year's concert was Ann Wilson of Heart and TRIPSITTER The Pittsburgh concert venue Stage AE was jam-packed with guests dazzling in their best hot pink ensembles, and many of our employees were proud to be among those present.

Women Who Rock is such an amazing cause, and we are thrilled to be a partner.

For more information about Women Who Rock, please visit womenwhorock.info .

Meet GBU's 2023 Volunteer of the Year

Sat, 13 Jan 2024 00:59:22 GMT

GBU Life and its members are honored to recognize Lauren Botticelli as this year's Volunteer of the Year. This award is given in recognition of a member's dedication to helping others and outstanding service and contributions in the local community.

Lauren is an active leader and volunteer at The Animal Pad ( theanimalpad.org ) , a nonprofit all breed dog rescue that focuses on rescuing dogs from high-kill shelters in Southern California and Mexico. Lauren and fellow volunteers provide rehabilitation and care while finding loving homes for the animals.

We asked Lauren a few questions about her life outside of The Animal Pad . Here is what she had to say:

What are your hobbies/interests outside of The Animal Pad?

“Outside of rescue, I do enjoy a good mom's night out spent with my family and friends. We are all self-proclaimed foodies and get way too excited over new hot spots in San Diego.”

If you could have lunch with a historical figure (past or present), who would it be and why?

“The rescuer in me says Jane Goodall because man, what a force and inspiration. She's my hero. But the gypsy, hippie, free spirit in me says Stevie Nicks. Because of her insane talent, but also the fact that I would love to pick her brain on all the Fleetwood Mac drama. You KNOW it's GOOD, haha.”

What is your advice to those who want to get involved with a cause they care about but are having trouble getting started?

“My advice is to jump. Just do it! Take the plunge, even if you know no one and nothing about it. If your story ends up anything like mine, there's not a single day you will regret it.”

Lauren and GBU’s former Western Regional Sales Manager, James Donovan

"Lauren will ALWAYS show up for the dogs no matter what it takes. Throughout the past six years, there has been an immense amount of change as we grew from an itty-bitty local rescue to the powerhouse team of volunteers and fosters in the hundreds that we are today, but one constant is Lauren. This has built a stronger community because we are all connected by the volunteer work we do."

- Kelly Johnston, GBU member

Lauren helping a furry friend in need

GBU can help support the causes you care about. Visit gbucares.org for more information.

GBU’s New Fixed Index Annuity

Fri, 12 Jan 2024 21:27:59 GMT

GBU’s new Fixed Index Annuity will offer upside-earning potential with downside protection.

GBU’s new Fixed Index Annuity (FIA) products are set to launch in February and will allow our members yet another way to safely grow funds for their retirement. These new annuities have many of the same features and benefits you are familiar with in our traditional annuities. The big difference between our current annuities and these new versions is how interest is credited to your account. The FIA allows you the potential to earn interest on your account based on the performance of a specific index or set of indices and the Participation (Par) Rate that you choose. GBU has partnered with Barclays to offer three index options for this product with strong and steady performance to help optimize growth.

FIA Product Features

Available as Future Flex FIA (flexible premium) and Asset Guard FIA (single premium).
Choice of asset allocation to a combination of Barclays Agility Shield Index, Barclays Fortune 500 12% Index, Barclays US Tech 12% Index and a fixed rate account with annual or biennial crediting (choose up to seven allocation options).
Enhanced Participation Rate Rider* (Booster Fee) available: increase your participation rate for a 1% or 3% fee.

Plus the product enhancing features found in all GBU annuities

10% liquidity available immediately, 20% liquidity available any contract year where no withdrawal was taken the prior contract year.
Surrender charges apply for withdrawals over the free withdrawal amount.
Living Benefits Riders*
Tax-deferred growth

You can start an FIA annuity for as little as $25,000. To find out more, visit gbu.org/FIA or talk with your agent or a representative at the GBU Home Office.

*Riders are optional and may have additional fees associated with them.

Interest rates are determined by date of receipt of deposit. Rates are subject to change without notice. Benefits may be taxable. During the surrender charge period, withdrawals exceeding 10% will be subject to a surrender charge that may be higher than fees associated with other types of financial products and may reduce principal. GBU Life is the marketing name for GBU Financial Life (GBU), Pittsburgh, PA. GBU and its agents do not provide tax, legal or investment advice. Please consult with a legal or tax professional prior to the purchase of any contract. Annuities are not short-term products and are issued by GBU. Withdrawals prior to 59½ may be subject to IRS penalties, separate from the annuity’s schedule of surrender charges. The maximum issue age is 95. The free look period is 10 days or 30 days for replacements unless noted herein. Withdrawals for amounts over those allowed during the guaranteed period are subject to surrender charges defined in the contract. The payout amount you will receive is based on your individual circumstances, the options you select at the time of application and your initial premium payment. Products and features

may not be available in all states.

This is a summary of the contract provisions. Please refer to the contract for details of surrender charge schedule, benefits and exclusions. NOT A DEPOSIT OF A BANK AND MAY LOSE VALUE—NOT BANK GUARANTEED. Contract Form Numbers: ICC23_FPDA_IA_CON_(01-23), FPDA_IA_CON_FL_(07-23), FPDA_IA_CON_(07-23), FPDA_IA_CON_(07-23)ND, ICC23_SPDA_IA_CON_(01-23), SPDA_IA_CON_FL_(07-23), SPDA_IA_CON_(07-23), SPDA_IA_CON_(07-23)ND.

Neither Barclays Bank PLC (‘ BB PLC ’) nor any of its affiliates (collectively ‘ Barclays ’) is the issuer of any annuity products referenced herein (‘Annuities’) and Barclays has no responsibilities, obligations or duties to policyholders in Annuities. The Barclays Fortune 500 12% Index, the Barclays US Tech Index and the Barclays Agility Shield Index (collectively, the ‘ Indices ’), together with any Barclays indices that are components of the Indices, are trademarks owned by Barclays or are licensed to use by Barclays and, together with any component indices and index data, are licensed for use by GBU Financial as the issuer or producer of Annuities (the ‘ Issuer ’).

Barclays’ only relationship with the Issuer in respect of the Indices is the licensing of the Indices, which are administered, compiled and published by BB PLC in its role as the index sponsor (the ‘ Index Sponsor ’) without regard to the Issuer or the Annuities or policyholders in the Annuities. Additionally, the Issuer may for itself execute transaction(s) with Barclays in or relating to the Indices in connection with Annuities. Policyholders acquire Annuities from the Issuer and policyholders neither acquire any interest in the Indices nor enter into any relationship of any kind whatsoever with Barclays upon making an investment in Annuities. The Annuities are not sponsored, endorsed, sold or promoted by Barclays and Barclays makes no representation regarding the advisability of the Annuities or use of the Indices or any data included therein. Barclays shall not be liable in any way to the Issuer, policyholders or to other third parties in respect of the use or accuracy of the Indices or any data included therein.

GBU Foundation Scholarships and Grants 2024

Fri, 12 Jan 2024 21:14:10 GMT

Updated 2025 GBU Foundation

 Scholarship and Grant Information

GBU Foundation Day of Giving Contributions

Fri, 12 Jan 2024 20:22:55 GMT

GBU FOUNDATION THANKS YOU FOR CONTRIBUTING ON THE DAY OF GIVING

60TH ANNIVERSARY

Kristen Abels
James W. Aigler
Jacqueline Alaimo
Diane Allison
Anonymous
Anonymous in memory of Carlo Giovannini
Anonymous in honor of Angie Heath
Anonymous in memory of Harold Olson
Anonymous in memory of Theodore
Mark Aul
Barbara Bartusik in memory of Emerson Lindenmuth
Mary Ann Berty
Joseph Bielecki
Matthew and Mary Anne Blistan, Jr.
Kathleen Boykin
William A. Burgunder, Jr
Elaine Cannon in memory of Lori Knerr
Ed Christensen
Mark Chutko and Diana Bucco
Mark Cloutier
Thomas M. Collier in memory of Peggy A. Schohn Collier
Ella Davidson

The Deak Family in memory of Robert A. Deak
Kenneth Elliott and Brian Burns
Donna and James Foss
Diane Gallagher
David and Kathy Geisert
Paul Gitnik in honor of Gene L. Svrcek
Paul J. Gitnik in memory of Henry and Genevieve Gitnik
Leah Grabiak Teahl
Ken and Carol Graboski
Susan L. Gutshall
Judith A. Hafer in memory of Harold J. "Jim" Hafer
Lea Ann and William Hazi in honor of GBU's Board of Directors
Albert E. Heiles, IV
Happy M. Hennen
Jeanne Hunt-Fujioka in memory of Elisabeth Tussing
Mary Koczan
Dave and Debby Kruger in memory of Bessie Babuska
Lesley Mann
Rev. Leslie E. Martin
Jerilyn McCollum
Richard Minteer
Deborah L. Morgan
Jon Naser

Sandra Nemeth
Theresa Philbrick
Janet Pino
Karen Potkul
Mary Rajnik
Tim and Brittany Rodman
Christine Rodriguez
Rick Rodriguez
David Schmitz
Judith A. Schneider in memory of Carl Schneider
Dorothy A. Schoch in memory of Ray Schoch Bobbi Sedor
Harold Segal in memory of Murray A. Segal David Sennett
Jeanne Smith
Michael Staar
Jennifer Stockdale
Barbara L. Stoker in memory of James R. Stoker
Gene L. Svrcek in memory of Rudy and Edith Svrcek
John Swanick
Wayne and Lucy Syring
Wilfred and Chris van Breukelen in honor of District 815-Dayton, OH, scholars
Sandy Wagner
Keith A. Waltower
Bill and Darlene Weible

DONORS

Jamie Abelson
Anonymous
Anonymous in memory of Rudolph "Rudy" Kessler
Kathy Babin in memory of Dengo
Diane Balaban in memory of Marty Balaban
Karen M. Balaban
Mr. and Mrs. Harry Bartolowits
Ann Bonacci in honor of Emerson Lindenmuth
Ashley Casterline
Cathy Chirdon
Stephanie Ciranni
Laqueeta Coleman
Rachel Cummins
District 146-Johnstown, PA
District 291-Summerhill, PA
District 510-Toledo, OH, in memory of John F. Ahern, Roland Beltz, Joneal B. B ender, Joyce M. Brickner, Alfred R. Erick, Eugene A. Flick, Joanne B. Flick, Diane M. Garbers, Harold Hanna, Rita C. Jaeger, Julie Lacourse, Ray G. Leck, Daniel Mahoney, Dorothy F. Marchal, Carmen J. Mouch, Clara L. Obee, Robert Pasch, Gale F. Pfleghaar, Eugene M. Reinart, Chester Rutkows ki, Maribelle Sanzenbacher, Christopher J. Straube and Carol L. Tank

District 815-Dayton, OH
District 818-Orlando, FL
District 3000-HRFA
Edwin Dull
Mrs. Mary R. Engelman in memory of Paul Engelman
Karen Ferguson
Tiffany Gazza
Jenna Giordano
Natasha Herleman
Katy Hylkema
John G. Justinger
Ruth A. Klein in honor of Jacob C. Klein and Lauren M. Klein
Emily Kraeuter
Katherine Kunz
Debbie McNamee in memory of Tom McNamee
Mitchelle Mun
Stacey Nowe
Sharon Obrien
Rosanne Penzien in memory of Wilbur and Eleanor
Bob Schoeppner
Ravi Sharma
Scott Vineberg
Victoria Windham

CORPORATE SPONSORS

Key Contributing Sponsor

Heeter Direct
iHeart Radio
North Shore Pools and Service

Contributing Corporate Sponsor

Hoffmann Murtaugh Advertising
Optimity, Inc.
Pittsburgh Quarterly

Cookie Quest Word Search

Fri, 12 Jan 2024 15:52:02 GMT

Find all the words in the puzzle below, follow the directions and bake a yummy batch of peanut butter cookies (two ways). Circle the words below! They will be right to left, up and down or diagonal. See the next page for the recipes!

FRATERNAL PUZZLE FOR MEMBERS AGES 10–14. Email contest@gbu.org or mail (GBU Fraternal Department, 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227–3394) the participant's name, email address and answers to this fraternal puzzle for a chance to win a $25 Amazon gift card . Members must provide a valid email address, as the gift cards are sent via email.

Bake

Batter

Chips

Egg

Jelly

Mix

Oven

Peanut

Powder

Salt

Shortening

Sift

Soda

Spoon

Stir

Sugar

Download printable puzzle

Peanut Butter Cookies

—2 Ways

INGREDIENTS

½ cup sugar (regular white, granulated)

½ cup brown sugar (granulated—well packed)

½ cup shortening—like Crisco (plain–not butter flavor)

½ cup peanut butter—you can use crunchy or smooth

1 egg

1¼ cup all-purpose white or wheat flour (or a mix of both) ¾ teaspoon baking soda

½ teaspoon baking powder

¼ teaspoon salt

OPTIONAL

1 teaspoon vanilla

1 teaspoon cinnamon

Jar of your favorite jelly or jam

1–2 cups of mini chocolate chips

INSTRUCTIONS

Lightly grease several cookie sheets, or cover the cookie sheets with parchment paper according to the directions on the box.
Preheat oven to 375°F.
In a large mixing bowl, using a large spoon, cream (mix) the white and brown sugar, shortening, peanut butter and egg together. OPTIONAL—add vanilla. Stir carefully until everything is mixed well. This will be a thick batter.
In a smaller mixing bowl, using a fork, mix the flour, baking soda, baking powder and salt (and cinnamon, if you are using it) together.
Carefully add the dry ingredients a little bit at a time to the wet ingredients. Mix thoroughly.
Use a small cookie scoop or two tablespoons to scoop a rounded tablespoon of dough on the cookie sheet 3'’ apart. Then, take a fork dipped in flour and flatten each ball in a crisscross pattern.
Bake for 10 to 12 minutes or until lightly brown on the edges. Do not overbake.
Remove from the oven. If you like, sprinkle mini chocolate chips on the top of the cookies, and as they cool, they will melt into the cookie. Then, remove the cookies from the cookie sheet and cool on a cooling rack.

TIP: Take two cooled cookies, spread jelly on them and eat them like a sandwich!

Tax Adjustments to Know When Filing your 2023 Federal Tax Return

Fri, 12 Jan 2024 15:05:56 GMT

The Internal Revenue Service (IRS) announced inflation adjustments for tax year 2023. These inflation adjustments are some of the biggest adjustments made in history. The most noteworthy increases are about 7% for standard deduction amounts, income tax brackets and the earned income tax credit for tax year 2023. This means that some people might be in a lower tax bracket than they were previously.

Here is a summary of what the new tax brackets and tax rates look like for each filing status:

2023 Tax Brackets

Source: www.irs.gov

With the recently announced inflation adjustments, even more people may move into claiming the standard deduction instead of itemizing their deductions since their standard deductions may be more. The new standard deductions for each filing status are shown in the table below:

2023 Standard Tax Deductions

Following tax reform, the IRS reports that close to 90% of taxpayers now take the standard deduction instead of itemizing their deductions.

Note: GBU Life is the marketing nam e for GBU Financial Life. Life insurance is underwritten and annuities are issued by GBU Financial Life (GBU), Pittsburgh, PA.

Adjustments to Exemptions, Exclusions and Credits

Earned Income Tax Credit
For tax year 2023, the maximum amount is $7,430 for qualifying taxpayers who have three or more qualifying children. This amount is up from $6,935 for tax year 2022.
Adoption Credit
The maximum credit allowed for adoptions for tax year 2023 is up to $15,950, up from the maximum of $14,890 for tax year 2022.
Estate Tax Exclusion
The amount you can give during your lifetime or after your death to avoid paying federal estate and gift taxes has increased from $12,060,000 to $12,920,000.
Gift Tax Exclusion
The annual exclusion for gift tax increased to $17,000 per recipient for calendar year 2023, up from $16,000.
Foreign Earned Income Exclusion
For taxpayers earning foreign income, the income exclusion for tax year 2023 is $120,000, up from $112,000 for tax year 2022.
Alternative Minimum Tax Exemption for Single Filers
The alternative minimum tax exemption in 2023 for single filers is $81,300 and begins to phase out at $578,150. In 2022, the exemption amount was $75,900 and began to phase out at $539,900.
Alternative Minimum Tax Exemption for Joint Filers
The alternative minimum tax exemption in 2023 for married couples filing jointly is $126,500 and begins to phase out at $1,156,300. In 2022, the exemption amount was $118,100 and began to phase out at $1,079,800.

How to get into a lower tax bracket and pay a lower federal income tax rate

Two common ways of reducing your tax bill are using credits and taking deductions.

Tax credits can reduce your tax bill on a dollar-for-dollar basis; they don’t affect what bracket you’re in.
Tax deductions reduce how much of your income is subject to taxes. Generally, deductions lower your taxable income by the percentage of your highest federal income tax bracket. So, if you fall into the 22% tax bracket, a $1,000 deduction could save you $220.

Take all the tax deductions you can claim–they can reduce your taxable income and could kick you into a lower bracket, which means you pay a lower tax rate.

GBU and its agents do not provide tax, legal or investment advice. Please consult with a tax, legal or investment professional prior to the purchase of any contract.

Optimity Fall Bucket List Challenges

Fri, 12 Jan 2024 13:42:44 GMT

Sweater Weather

Fall Bucket List Challenges

Fall is a season of celebration, as communities come together for festivals and gatherings to revel in the beauty and

bounty of the season. It's a time for hayrides, pumpkin picking and corn mazes. It encourages reflection and gratitude for the gifts of nature and the simple pleasures of warmth, comfort, and togetherness. Fall is a season that captivates the senses and nourishes the soul.

GBU Life Optimity members were challenged to celebrate every little facet of fall with a daily challenge from October 16 to November 16. Members who completed ten challenges got to select a 501(c)(3) non-profit for us to support with a $50 donation.

Some challenges included:

Share the bounty: donate non-perishable food
Journal your blessings
Scarecrow spotlight
Sweater weather: wear your comfiest sweater
Rake it forward: rake your neighbor's leaves
Make a DIY fall craft
Share your Halloween candy haul
Bake a pumpkin pie
Carve a pumpkin
Share your Halloween costume
Light a fall-scented candle
Watch a scary movie
Enjoy a hot fall beverage
Take a fall foliage road trip
Make a s'more by the fire
Donate used cold-weather clothes
Make your favorite fall soup
Declare your favorite football team
Take a pretty fall photo

Join Optimity at inside.gbu.org/optimity .

Case Study: Crowdsourcing vs. Life Insurance

Fri, 12 Jan 2024 13:42:35 GMT

Many turn to crowdsourcing as a solution for family emergencies. But what are the implications of planning for your family’s needs using online crowdsourcing vs. life insurance?

OBJECTIVE

To compare a hypothetical outcome of raising $100,000 via a popular crowdsourcing app versus a 10-Year Term Life insurance policy from GBU Life (GBU).

INITIAL DATA GATHERING

ADDITIONAL BENEFITS OF GBU LIFE INSURANCE

Wellness programs
Donation matching
Education programs
And so much more!

CROWDSOURCING HYPOTHETICAL

Marianne is ready to retire, but she is particularly worried about the first 10 years of this new lifestyle. What if something unforeseen happened and she passed away? Family could always use a popular crowdsourcing app in hopes of raising money ⁴ . According to Forbes, less than 12% of crowdsourcing campaigns reach their goal ⁵ . With this in mind, plus the variability of donors, let’s say the campaign was able to secure half of the goal ($50,000) through 100 separate donations of $500 each. With a 2.9% + $0.30 fee taken from each donation ² , that would leave members of Marianne’s family with $48,520 before tax ¹ .

LIFE INSURANCE HYPOTHETICAL

At 62, Marianne opened a 10-Year Term Life insurance policy with GBU. For roughly $43.83 a month ³ , Marianne has peace of mind knowing that her family will receive a $100,000 death benefit should she pass away unexpectedly in the first 10 years of her retirement. Marianne named her son, Jeff, as a beneficiary on the policy. This means any and all death benefits would be paid out to Jeff, as long as Marianne was current in her premium payments. Even with 10 years of premium payment, Marianne would have only paid $5,259.60 for a potential $100,000 guaranteed benefit. That’s $100,000 for the covered claim, non-taxed and available to collect as long as the policy is current and up to date with payment.

EXAMPLE RESULTS

CONCLUSION

In conclusion, in this hypothetical example, term life insurance coverage was the more feasible solution for covering the potential loss of a loved one.

For more information on additional benefits and financial planning, visit gbu.org for life insurance and annuity products.

H&CO. (n.d.). GoFundMe Tax Implications. Hco.com. Retrieved November 8, 2023, from https://www.hco.com/insights/gofundme-tax-implications#:~:text=The%20IRS%20has%20specific%20rules,line%20of%20your%20Form%201040 .
GoFundMe (2023, June 16). No fee to create a fundraiser. Support.Gofundme.com. Retrieved November 8, 2023, from https://support.gofundme.com/hc/en-us/articles/203604424-Learn-about-fees#:~:text=No%20fee%20to%20create%20a%20fundraiser&text=However%2C%20to%20help%20us%20operate,charges)%20per%20donation%20is%20deducted .
This is under the assumption that the recipient was in otherwise good health upon receiving a life insurance policy from GBU Life.
Olya, G. (2019, August 19). The Cost of Dying in All 50 States. Finance.Yahoo.com. Retrieved November 8, 2023, from https://finance.yahoo.com/news/cost-dying-50-states-090000597.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_ .
Lee, B. Y. (2022, February 5). Most GoFundMe Campaigns for Medical Bills Fail, Less Than 12% Reach Goals. Forbes.com. Retrieved November 8, 2023, from https://www.forbes.com/sites/brucelee/2022/02/05/most-gofundme-campaigns-for-medical-bills-fail-less-than-12-reach-goals/?sh=31f5c5f63f69 .
smartasset. (n.d.). Pennsylvania Income Tax Calculator. Smartasset.com. Retrieved November 8, 2023, from https://smartasset.com/taxes/pennsylvania-tax-calculator .

GBU Life is the marketing name for GBU Financial Life (GBU), Pittsburgh, PA. GBU and its agents do not provide tax, legal or investment advice. Please consult with a legal or tax professional prior to the purchase of any contract. Products and features may not be available in all states. This is a summary of the contract provisions. Please refer to the contract for details of surrender charge schedule, benefits and exclusions. Contract Form Series: ICC20-ST, FL20-ST.2, GEN20-ST, ND20-ST.

Fraternal Adventures Fall 2023

Fri, 12 Jan 2024 12:59:00 GMT

Monopoly Champs

Our team from GBU, made up of Jon Naser, Mark Aul, Steve Guidas and Ken Elliott, took home the Monopoly championship during a Corporate Monopoly Tournament which helped to raise funds for the National Kidney Foundation. The tournament took place at the Carnegie Science Center on November 9.

Red Cross Round-up

Top GBU producers gathered to pack emergency kits for the Red Cross during the 2023 Producer Incentive Trip in the Cayman Islands.

Holiday Heroes

GBU Home Office employees packed over 250 stockings for Operation Troop Appreciation’s Stockings for Soldiers campaign. Thank you to everyone who donated to sponsor a stocking for our military service men and women this season!

Kindness and Cardigans

GBU celebrated its second year of sponsoring Cardigan Day, a day of kindness in honor of Fred Rogers. This special day is led by Pittsburgh’s public broadcasting station, WQED. Home Office employees took the chance to cuddle up in their favorite cardigans for the day and spread kindness in the community.

Stop Cancer Campaign

Once again, GBU teamed up with the University of Pittsburgh Pitt Panthers to help stop cancer. GBU donated $100 to the American Cancer Society® for every third and fourth down stop made by Pitt during the season.

My Summer Vacation Photo Contest Winners

Fri, 12 Jan 2024 12:10:42 GMT

Thank you to all of the participants in the My Summer Vacation Photo Contest! Congratulations to the winners listed below.

First Place

Carol H.

North Royalton, OH

Second Place

Alanna L.

Mount Pleasant, SC

Third Place

D ennis O.

Pittsburgh, PA

Fourth Place

Renee L.

Transfer, PA

Fifth Place

Durda R.

Philadelphia, PA

My Summer Vacation Coloring Contest Winners

Fri, 12 Jan 2024 11:45:20 GMT

Thank you to all of the participants in the My Summer Vacation Coloring Contest! Congratulations to the winners listed below.

CATEGORY I-AGES 3 & 4

FIRST PLACE

Reid G

New Castle, Pennsylvania

SECOND PLACE

Paisley H

Portage, Pennsylvania

THIRD PLACE

Sullivan L

Mount Pleasant, South Carolina

CATEGORY II-AGES 5 & 6

FIRST PLACE

Andrew C

Willow Street, Pennsylvania

SECOND PLACE

Lainey Grace U

Hermitage, Pennsylvania

THIRD PLACE

Gavin S

New Bethlehem, Pennsylvania

CATEGORY III-AGES 7, 8 & 9

FIRST PLACE

Mira K

Hermitage, Pennsylvania

SECOND PLACE

Cassidy S

Johnstown, Pennsylvania

THIRD PLACE

Paige Ann U

Hermitage, Pennsylvania

GBU Foundation Community Grants Awards Vote

Thu, 11 Jan 2024 21:35:17 GMT

Vote

You can vote for your favorite organization in each category from January 15, 2024, until January 31, 2024.

Winners will be announced in February 2024.

Get started at GBU.org/foundation

The Perfect Happy New Year Messages and Wishes

Sun, 31 Dec 2023 23:35:17 GMT

Eight fun and bright messages to share with the ones you love.

As we bid farewell to the old and welcome the new, the air is filled with anticipation and excitement. The arrival of the new year brings with it a sense of renewal and a fresh start. It's a time to reflect on the past, learn from our experiences and look forward to new opportunities and adventures.

1. Wishing you a year filled with joy, laughter and love. May each day be a new beginning and may you find strength in the face of challenges. As the clock strikes midnight, let's leave behind the worries and burdens of the past and step into the future with a light heart and a determined spirit.

2. Here's to new beginnings and the endless possibilities that the new year holds. May you discover new paths, overcome obstacles and achieve the goals you set for yourself. As you reflect on the past year, remember that every experience has shaped you into the person you are today. Carry the lessons learned into the new year and let them guide you toward personal growth and fulfillment.

3. In the hustle and bustle of our daily lives, it's easy to lose sight of the things that truly matter. This New Year, take a moment to appreciate the simple joys of life – the warmth of friendships, the love of family and the beauty of nature. These are the treasures that make life meaningful and bring happiness into our hearts.

4. Sending you warm wishes for a year filled with good health and well-being. May you take care of your body, mind, and soul and may each day bring you vitality and energy. Remember that self-care is not selfish; it's a necessary investment in your overall well-being. Make a commitment to prioritize self-care in the coming year and watch as it transforms your life.

5. As we set our intentions for the New Year, let's not forget the power of kindness. In a world that can sometimes seem chaotic, a small act of kindness can create a ripple effect of positivity. Whether it's a smile, a helping hand, or a thoughtful gesture, let's strive to make the world a better place, one act of kindness at a time.

6. May the coming year be a time of personal and professional success for you while your endeavors be met with recognition and your hard work with rewards. Remember that success is not just about achievements but also about the journey. Enjoy the process, celebrate your victories and learn from your setbacks. Each step forward is a victory in itself.

7. In the spirit of the New Year, let's cultivate an attitude of gratitude. Take a moment to appreciate the people who have supported you, the experiences that have shaped you and the opportunities that have come your way. Gratitude opens the door to abundance and attracts positivity into our lives. As you step into the New Year, carry a heart full of gratitude and watch as it transforms your outlook on life.

8. As the clock counts down, let’s celebrate the possibilities that lie ahead. May the new year bring you joy, success and fulfillment. May you find the courage to pursue your dreams and the strength to overcome any obstacles that come your way.

Here's to you … a year of growth, resilience, and endless possibilities. Happy New Year to you and yours!

Thoughtful Valentine's Day Gifts for Your Love

Wed, 27 Dec 2023 01:35:38 GMT

While flowers and chocolates are classic choices, why not step outside the box this year and surprise your love with something unique and meaningful?

Valentine's Day is just around the corner, and the pressure is on to find the perfect gift for your significant other. Here's a curated list of thoughtful Valentine's Day gifts that will undoubtedly warm their heart.

Personalized Jewelry

There's something incredibly special about receiving a piece of jewelry that has been customized just for you. Consider gifting your love a personalized necklace or bracelet with their initials, birthstone or a meaningful date engraved on it. It's a timeless and elegant way to show them how much they mean to you.

Customized Artwork

Turn your favorite memories into a work of art by commissioning a personalized painting or illustration. Whether it's a depiction of the place where you first met or a portrait of the two of you, custom artwork adds a sentimental touch to your gift, creating a lasting reminder of your shared moments.

Cooking Class for Two

Instead of going out for dinner, why not bring the restaurant experience to your own kitchen? Sign up for a virtual cooking class for two, where you can learn to prepare a delicious meal together. It's a fun and interactive way to bond while creating lasting memories and, of course, enjoying a delectable homemade dinner.

Subscription Box

Whether it's a book club subscription or a wellness box, receiving a thoughtfully selected surprise each month will give you both something to look forward to.

Weekend Getaway

Plan a surprise weekend getaway to a romantic destination. It doesn't have to be far – a cozy bed and breakfast in a nearby town can be just as enchanting. The key is to create an opportunity to escape the routine and spend quality time together, exploring new surroundings and making cherished memories.

Memory Jar

Get creative and craft a memory jar filled with handwritten notes recalling your favorite moments together. Whether it's a funny inside joke, a shared adventure or a sweet message, these little snippets of your time together will serve as a heartwarming reminder of your connection.

Tech Gadgets for Couples

For the tech-savvy couple, consider gadgets that enhance your shared experiences. This could range from a dual charging dock for your devices to synchronized smart home devices that make your daily routines more connected. Embracing technology can be a modern and practical way to express your love.

Indoor Plant or Terrarium

Bring a touch of nature into your love's life with a carefully chosen indoor plant or a beautifully crafted terrarium. Not only do plants add a fresh and vibrant element to any space, but they also symbolize growth and the nurturing of your relationship.

DIY Coupons

Create a set of personalized coupons that your partner can redeem throughout the year. Whether it's a homemade dinner or a day of no chores, these coupons add a fun and thoughtful element to your gift.

This Valentine's Day, go the extra mile to express your love with a gift that reflects the unique bond you share. Whether it's a personalized keepsake, a shared experience or a thoughtful gesture, the most meaningful gifts are those that come from the heart. Celebrate your love in a special way and make this Valentine's Day one to remember.

Unique Gifts for People Who Have Everything

Tue, 12 Dec 2023 21:17:38 GMT

We all have that one person in our lives who ”has everything.” Birthdays, holidays or special occasions can become a daunting task when it comes to finding the perfect gift for them. But fear not! There are still unique and unexpected treasures waiting to be discovered. We've found a curated list of gifts that go beyond the ordinary and are sure to bring a smile to even the most “difficult-to-please” recipients.

Virtual Experience

For the person who has everything, the gift of a virtual experience can be priceless. Choose from a variety of experiences, such as online cooking classes with renowned chefs, personalized virtual tours of exotic locations or even a one-on-one session with their favorite artist or celebrity. These unique encounters create memories that last a lifetime.

Personalized Book

Turn your loved one into the star of their own story with a personalized book. There are companies that allow you to customize the characters, storyline and even the book cover to create a one-of-a-kind literary adventure. This thoughtful gift will not only showcase your creativity but also provide a keepsake they'll cherish.

Subscription Box With a Twist

While subscription boxes are a popular choice, consider opting for a niche subscription that aligns with their specific interests. Whether it's rare teas, artisanal hot sauces or handcrafted chocolates, these unique subscription services offer a constant stream of surprises, ensuring your gift stands out.

Charitable Donation in Their Name

For the philanthropic individual who already has it all, a donation to a meaningful cause in their name can be a touching gesture. This not only contributes to a greater good but also reflects the depth of your relationship.

Finding the perfect gift for someone who seems to have everything requires a touch of creativity and thoughtfulness. By exploring these unique and personalized options, you can break free from conventional gift-giving and present them with a truly memorable and cherished surprise. Remember, it's not always about the price tag but the sentiment behind the gift that makes it truly special.

Crazy Thanksgiving Dishes and Delights (That Are Pretty Intriguing)

Tue, 12 Dec 2023 20:58:39 GMT

As Thanksgiving approaches, many families eagerly anticipate the traditional feast of roast turkey, mashed potatoes and pumpkin pie. However, for those seeking to break away from the norm and add a dash of excitement to their holiday table, the world of crazy Thanksgiving dishes awaits! Below are a few creative recipes that are sure to leave your guests talking long after the leftovers are gone.

Turducken

Kicking off our list is the infamous Turducken – a monstrous creation that involves stuffing a chicken into a duck and then that duck into a turkey. The result is a meaty, flavor-packed centerpiece that's a carnivore's dream. The layers of different meats, each with its unique seasoning, make for an unforgettable Thanksgiving experience.

Bacon-Wrapped Turkey

If you thought a traditional turkey was impressive, try wrapping the entire bird in bacon. Not only does this add a smoky, savory flavor, but it also creates a crispy outer layer that's sure to satisfy any bacon lover's cravings. The bacon-wrapped turkey is a bold twist on a classic, offering a delicious fusion of two beloved meats.

Pumpkin Pie-Stuffed Turkey

Why settle for dessert after the main course when you can have both at the same time? Enter the pumpkin pie-stuffed turkey. This culinary marvel involves carefully hollowing out a pumpkin pie and placing it inside the turkey before roasting. The result? A sweet and savory combination that defies traditional boundaries and leaves taste buds in awe.

Cranberry-Jalapeño Relish

For those who enjoy a bit of heat with their Thanksgiving meal, consider adding a twist to the classic cranberry sauce. Cranberry-jalapeño relish combines the tartness of cranberries with the kick of spicy jalapeños, creating a zesty accompaniment that pairs perfectly with turkey and other holiday dishes. It's a small change that can make a big impact on your taste buds.

Stuffing Waffles

Stuffing waffles take the classic Thanksgiving side dish and transform it into a crispy, golden delight. Simply press your leftover stuffing into a waffle iron and cook until it's golden brown and crunchy. Top it with gravy or cranberry sauce for a unique and delicious Thanksgiving leftover experience.

Thanksgiving is a time-honored tradition filled with cherished family recipes, but that doesn't mean you can't have a little fun in the kitchen. These crazy Thanksgiving dishes are sure to add a touch of excitement and adventure to your holiday feast. Whether you decide to tackle the Turducken, experiment with bacon-wrapped turkey or spice things up with cranberry-jalapeño relish, these dishes are bound to create lasting memories and perhaps start a new tradition at your Thanksgiving table. So, this year, dare to be different and let your culinary creativity shine. After all, Thanksgiving is about giving thanks, sharing joy and indulging in good food.

Black Friday Savings: Tips and Tricks to Keep Up Your Sleeve

Tue, 12 Dec 2023 20:26:05 GMT

As you gear up for the shopping frenzy, it's essential to have a well-thought-out plan to save big while navigating the crowded aisles and virtual carts.

Black Friday is synonymous with incredible deals and steep discounts, making it one of the most anticipated shopping events of the year. Here are some strategic tips to help you make the most out of Black Friday and secure the best deals without breaking the bank.

Create a Budget

Before you dive headfirst into the sea of discounts, establish a clear budget. Identify the maximum amount you're willing to spend and allocate specific amounts to different categories. This will not only prevent impulsive purchases, but also help you focus on the items that truly matter to you.

Research and Compare Prices

Arm yourself with information by researching prices ahead of time. Many retailers release their Black Friday ads early, allowing you to compare prices and strategically plan your purchases. Remember to check online retailers, as they often compete with brick-and-mortar stores, sometimes even offering better deals.

Sign Up for Newsletters and Text Notifications

Stay in the loop by subscribing to newsletters and alerts from your favorite retailers. Many stores offer exclusive discounts or early access to Black Friday deals for subscribers. Keep an eye on your inbox for special promotions and coupon codes that can enhance your savings.

Use Cash Back and Rewards Programs

Leverage cash back and rewards programs to stretch your budget further. Many credit cards offer cash back on purchases and some retailers have loyalty programs that accumulate points for future discounts. Check your credit card terms and retailer policies to maximize these benefits.

Shop Online to Avoid Crowds

While the allure of in-store Black Friday events is undeniable, shopping online can be a more convenient and efficient way to snag deals without the crowds. Many online retailers offer exclusive promotions, and you can easily compare prices across multiple websites from the comfort of your home.

Utilize Price Matching Policies

Take advantage of price matching policies offered by various retailers. Some stores guarantee to match or even beat competitors' prices. Keep a list of these policies handy and be prepared to show proof of lower prices to capitalize on additional savings.

Follow Social Media and Deal Forums

Social media platforms and deal forums are treasure troves of information during the Black Friday season. Follow your favorite retailers on social media for real-time updates on promotions and flash sales. Additionally, participate in online communities where users share tips, tricks and exclusive deals they come across.

Consider Refurbished or Open-box Items

Don't overlook the value of refurbished or open-box items. These products are often significantly discounted and still come with warranties. Be sure to verify the return policy, and you might find yourself with high-quality products at a fraction of the original price.

Timing is Key

Be strategic about the timing of your purchases. Some retailers release early bird specials, while others offer flash sales throughout the day. Set alarms and reminders to ensure you don't miss out on time-sensitive deals.

Stay Flexible

Finally, remain flexible with your shopping list. While it's great to have specific items in mind, sometimes unexpected deals on similar or complementary products can lead to even greater savings.

With careful planning and a strategic approach, you can make the most of Black Friday and score impressive deals without emptying your wallet. Stick to your budget, stay informed and be open to alternative options, and you'll emerge from the shopping extravaganza with both savings and satisfaction.

Unforgettable Experience Gift Ideas

Fri, 08 Dec 2023 02:15:40 GMT

The trend of gifting experiences is gaining momentum, offering a unique and memorable way to celebrate special occasions.

When it comes to gift-giving, the old adage "it's the thought that counts" couldn't be truer. If you're looking to break away from traditional gifts and create lasting memories, here are some unforgettable experience gift ideas to consider.

1. Hot Air Balloon Ride

For the adventurous spirit, a hot air balloon ride provides a breathtaking experience and a perspective like no other. Gliding silently through the sky, taking in panoramic views of landscapes, cities and natural wonders creates a memory that's sure to last a lifetime. Many locations offer sunrise or sunset flights, adding an extra touch of magic to this high-flying adventure.

2. Workshops and Lessons

Immerse someone in a new skill they may be interested in, such as language classes or dance workshops.

3. Cooking Classes and Food Tours

For the foodie in your life, consider gifting a culinary experience. Cooking classes led by professional chefs allow participants to hone their culinary skills while preparing delicious meals. Alternatively, a food tour through a vibrant neighborhood or city provides the opportunity to savor a variety of flavors and discover hidden gems in the culinary world.

4. Concerts, Shows, and Live Performances

Give the gift of music, laughter or drama with tickets to a live performance. Whether it's a concert by their favorite artist, a Broadway show or a local theater production, the experience of being immersed in the arts is both entertaining and emotionally resonant. It's a gift that engages the senses and creates memories tied to the magic of live performances.

5. Ziplining, Rafting or Biking Tour

For the thrill-seeker, consider an outdoor adventure experience. Ziplining through treetops, navigating river rapids on a white-water rafting tour or exploring nature through a guided hiking or biking tour can provide an adrenaline rush and a sense of accomplishment. These experiences are perfect for those who crave excitement and a connection with the great outdoors.

6. Spa Retreat

Offer the gift of relaxation and self-care with a spa retreat. A day at a luxurious spa or a weekend getaway to a wellness resort provides the opportunity to unwind, destress and rejuvenate the mind and body. From massages and facials to hot tubs and meditation sessions, a spa experience is a thoughtful way to show someone you care about their well-being.

7. A Photo Session

When’s the last time your friend or family member had professional photos taken? Consider gifting them a photo session with their family or headshots for their LinkedIn profile or website.

8. Art and Craft Workshops

Encourage creativity and learning by gifting an art or craft workshop. Whether it's painting, pottery, photography or a DIY crafting class, these experiences allow individuals to explore their artistic side under the guidance of skilled instructors. The resulting artwork becomes a tangible reminder of the day spent creating something unique.

9. Escape Room Challenge

For a fun and challenging experience, an escape room adventure is an excellent choice. Participants are locked in a themed room and must work together to solve puzzles and unravel the mystery within a set time limit. It's a great way to promote teamwork, problem-solving and create lasting memories filled with suspense and laughter.

10. A Photo Session

When’s the last time your friend or family member had professional photos taken? Consider gifting them a photo session with their family or headshots for their LinkedIn profile or website.

The beauty of experience gifts lies in their ability to cater to a diverse range of interests and preferences. By choosing an experience that aligns with the recipient's passions, you not only offer a thoughtful and personalized gift but also create memories that will be cherished for years to come. The next time you're searching for the perfect present, consider the gift of an experience – a treasure trove of moments waiting to be unwrapped.

10 Holiday Activities to Enjoy on a Budget

Tue, 05 Dec 2023 16:51:29 GMT

While the festivities often come with a hefty price tag, there are plenty of ways to embrace the holiday spirit without breaking the bank.

From cozy traditions to outdoor adventures, here are 10 inexpensive activities to enjoy around the holidays.

Festive Movie Marathon

Gather your loved ones, pop some popcorn and host a festive movie marathon at home. There's no need to spend a fortune at the cinema when you can create a cozy atmosphere in your own home. Pick a theme, whether it's classic holiday films, animated favorites or a series of feel-good movies, and let the holiday magic unfold.

DIY Decorations

Get creative and crafty with DIY holiday decorations. Transform your living space into a winter wonderland with handmade ornaments, wreaths and garlands. You don't need to be a crafting expert—simple materials like paper, twine and recycled items can be repurposed into beautiful decorations. It's a fun and cost-effective way to add a personal touch to your home.

Outdoor Ice Skating

Many communities set up outdoor ice skating rinks during the holiday season. Lace up your skates and enjoy a day of gliding on the ice with friends and family. Outdoor skating is often more affordable than indoor rinks, and the crisp winter air adds an extra layer of seasonal charm.

Holiday Lights Tour

Take a stroll or drive through neighborhoods adorned with festive lights and decorations. Create a holiday lights scavenger hunt for the family, spotting different themes or unique displays. It's a simple yet delightful way to immerse yourself in the holiday ambiance while staying within budget.

Cookie Exchange

Host a cookie exchange with friends, family or neighbors. Each participant bakes a batch of their favorite holiday cookies and brings them to share. Not only does this activity spread the joy of homemade treats, but it also allows everyone to sample a variety of cookies without the need for an extensive baking budget.

Volunteer Together

Give back to your community by volunteering together as a family or with friends. Many organizations welcome extra help during the holiday season; whether it's serving meals at a local shelter, wrapping gifts for charity or participating in a toy drive. The spirit of giving is a priceless experience that doesn't cost a dime.

Nature Walks or Hikes

Embrace the beauty of the winter season with a nature walk or hike. Bundle up in warm layers and explore local parks or trails adorned with frosty landscapes. It's a refreshing and budget-friendly way to enjoy the outdoors while appreciating the natural wonders of the season.

Host a Potluck Dinner

Instead of shouldering the entire burden of holiday meal expenses, host a potluck dinner with friends or family. Everyone can contribute a dish, making it a communal and cost-effective way to celebrate together. Not only does this lighten the financial load, it also introduces a variety of flavors to the festive feast.

Board Games Night

Gather around the table for a board games night filled with laughter and friendly competition. Dust off classic board games or try out new ones. It’s a fantastic way to bond with loved ones without spending a fortune. You might even discover a new family favorite!

Virtual Gift Exchange

If you're separated from loved ones during the holidays, consider organizing a virtual gift exchange. Use video calls to connect and exchange gifts; sharing the joy of giving and receiving even from afar. This budget-friendly alternative keeps the spirit of the season alive while making the most of modern technology.

The holiday season doesn't have to drain your wallet. With a bit of creativity and a focus on meaningful experiences, you can create cherished memories without overspending. Whether it's crafting decorations, enjoying outdoor activities or embracing the warmth of home, these inexpensive activities will help you savor the holiday spirit without the financial stress. After all, the true magic of the season lies in the moments shared with loved ones. Not in the price tag attached to them.

How to Wrap a Gift Like an Expert

Tue, 05 Dec 2023 01:59:38 GMT

Here’s a step-by-step process to wrap gifts like a professional.

Whether it's a birthday, holiday or any other occasion, a beautifully wrapped present adds an extra layer of thoughtfulness. Here’s a step-by-step process to wrap gifts like a professional.

1. Choose Quality Materials

The first step to achieving a professional gift wrap is selecting the right materials. Invest in high-quality wrapping paper with thickness that resists tearing. Quality paper not only looks better but also handles more smoothly during the wrapping process.

2. Measure and Cut Precisely

Before diving into the wrapping, take the time to measure and cut the wrapping paper with precision. Ensure that you have enough paper to cover the entire gift, with a little extra for overlap (about 1-2 inches on each side). Use sharp scissors for clean, straight cuts, as jagged edges can detract from the overall polished look.

3. Center and Align Your Gift

Place your gift in the center of the cut wrapping paper. Pay attention to symmetry; having your gift centered ensures a balanced and professional appearance. If your gift is irregularly shaped, consider using tissue paper or a box to create a more uniform shape before wrapping.

4. Utilize Double-Sided Tape

Double-sided tape is a game-changer in the world of gift wrapping. It allows you to secure the paper seamlessly, leaving no visible tape marks on the outside. If you don't have double-sided tape, regular transparent tape can still be used, but be mindful of its placement to maintain a neat finish.

5. Neatly Fold and Secure Edges

To achieve clean edges, fold one side of the paper over the gift and secure it with tape. Move on to the sides, folding the edges inwards and securing them with tape. For an added touch of sophistication, create diagonal folds at the ends to make neat, triangular flaps.

6. Secure the Ends with Precision

Folding the top and bottom edges of the wrapping paper can be a tricky part, but it's crucial for a polished finish. Form two triangles by folding the edges in, then fold these triangles down and secure them with tape. This technique not only ensures a tidy look but also adds extra reinforcement to the ends.

7. Add a Stylish Ribbon

Select a ribbon that complements your wrapping paper. Satin or grosgrain ribbons work well for a luxurious touch. Measure and cut a length of ribbon long enough to wrap around the gift and tie a bow. The key to a professional bow is symmetry. Wrap the ribbon vertically, crossing it at the top, then flip the gift over and bring the ribbon back to the front, crossing it again before tying a tight, balanced bow.

8. Fluff and Shape the Bow

Once you've tied the bow, take a moment to fluff and shape it. Adjust the loops and tails until you achieve a balanced and visually pleasing bow. To finish off the ribbon ends, trim them at an angle for a clean, elegant look.

9. Personalize with a Gift Tag

Enhance your wrapped gift with a personalized touch by attaching a gift tag or small card. Write a heartfelt message or simply add the recipient's name. This small addition not only adds a personal touch but also shows that you've put thought into the presentation.

10. Final Checks for Perfection

Before presenting your beautifully wrapped gift, conduct a final check. Ensure all seams are securely taped, the ribbon is evenly tied, and the overall presentation looks neat from every angle. Taking a few extra moments to review your work can make a significant difference in the final result.

Gift wrapping can turn a simple present into a work of art. By following these step-by-step techniques, you can elevate your gift-giving experience and leave a lasting impression on your recipients. The next time you have a gift to give, take the time to wrap it with care and watch as the anticipation and joy of the recipient are heightened by the beautiful presentation.

Unleash Creativity with Festive Toddler Holiday Crafts

Fri, 01 Dec 2023 01:53:29 GMT

Crafting with toddlers not only sparks their creativity but also creates lasting memories for both parents and children.

The holiday season is upon us, and what better way to celebrate the magic of this time than by engaging your little ones in some delightful and easy toddler-friendly holiday crafts? Here are six festive crafts that are not only simple but also age-appropriate for those curious little hands.

Handprint Ornaments

Capture the essence of your toddler's tiny hands with handprint ornaments. This classic craft is a sentimental keepsake that will be cherished for years to come. All you need is some non-toxic paint, a brush and plain ornaments. Let your toddler dip their hands in the paint and press them onto the ornaments. You can add a ribbon for hanging and write the date on the back. These handprint ornaments make for precious decorations on your holiday tree or thoughtful gifts for grandparents.

Paper Plate Santa Claus

Transform a simple paper plate into the jolliest face of the season – Santa Claus! Supply your toddler with red and white construction paper, cotton balls, googly eyes, and glue. Assist them in cutting out a red hat and a white beard from the construction paper. Glue the hat to the top and the beard to the bottom of the paper plate. Add googly eyes, a cotton ball for the nose and another for the tip of the hat. Voila! You now have an adorable paper plate Santa ready to spread holiday cheer.

Reindeer Footprint Craft

Turn your toddler's footprints into Santa's trusty reindeer with this fun and easy craft. Using brown paint, have your little one stamp their footprints onto a piece of paper. Once dry, add googly eyes, a red pom-pom for the nose and antlers made from brown construction paper. This charming craft not only captures the essence of the season but also makes for a delightful keepsake to commemorate your toddler's tiny feet.

Popsicle Stick Christmas Trees

Unleash your toddler's imagination with popsicle stick Christmas trees. Gather green popsicle sticks, glue and an assortment of colorful buttons, pom-poms and sequins. Help your little one arrange the popsicle sticks in the shape of a tree and secure them with glue. Now comes the fun part – let your toddler decorate the tree with the colorful embellishments. This craft not only enhances fine motor skills but also results in unique and festive holiday decor.

Handprint Wreath

Deck the halls with a handprint wreath made by your toddler's little hands. Trace their hands onto green construction paper and cut out multiple handprints. Arrange and glue the handprints in a circular shape to create a wreath. Add a festive bow at the bottom, and your toddler's handprint wreath is ready to adorn your door or walls. This craft not only celebrates the season but also serves as a beautiful reminder of your child's growth and creativity.

Gingerbread Man Collage

Bring the charm of gingerbread men into your toddler's craft time with a simple and mess-free gingerbread man collage. Provide your little one with pre-cut brown construction paper in the shape of gingerbread men and an assortment of colorful buttons, pom-poms, and stickers. Let them decorate their gingerbread men with the chosen embellishments, fostering creativity and sensory exploration. Hang these festive creations around the house to add a touch of sweetness to your holiday decor.

Engaging your toddler in holiday crafts not only brings festive cheer to your home but also creates treasured memories that will last a lifetime. These simple and delightful crafts are designed to be age-appropriate, allowing your little one to explore their creativity in a fun and meaningful way. Whether it's handprint ornaments, paper plate Santa Clauses, or reindeer footprint crafts, these activities provide an opportunity for quality bonding time and the joy of celebrating the holiday season together. So, gather your craft supplies, embrace the mess, and watch as your toddler's eyes light up with the magic of the holidays through the art of crafting.

A Guide to Finding Senior Discounts on Clothing

Thu, 30 Nov 2023 01:22:23 GMT

Did you know that senior citizens often qualify for exclusive discounts?

We’ve found various avenues where you can uncover these hidden gems of savings on clothing for seniors.

Retailer Loyalty Programs

Many popular clothing retailers offer loyalty programs that reward frequent shoppers, and seniors are no exception. Signing up for these programs often grants access to special discounts, early access to sales and even birthday treats. Stores like Kohl's, Macy's, and J. Crew are known for their loyalty programs, so make sure to inquire about any senior-specific perks.

Department Store Discounts

Major department stores are a treasure trove of options for senior discounts. Places like Belk, Dillard's, and Nordstrom typically have special days or events where seniors can enjoy extra savings. Don't hesitate to ask a store associate or check their website for specific details on senior discount days.

Local Boutiques and Thrift Shops

While larger retailers are commonly associated with senior discounts, local boutiques and thrift shops also deserve attention. These establishments may not advertise their discounts widely, so it's worth asking directly. You might be surprised at the hidden deals waiting to be discovered in your community.

Online Shopping Platforms

The digital age has brought forth countless opportunities for savvy shoppers, and seniors can also benefit from online discounts. Websites like SeniorDiscounts.com and RetailMeNot aggregate various discounts, including those for clothing. Keep an eye out for exclusive promo codes and special online sales events tailored for seniors.

Membership Organizations

If you're a member of organizations like AARP (American Association of Retired Persons), you're entitled to a myriad of discounts, including those on clothing. Check their website or membership perks booklet for a list of participating retailers. AARP has partnerships with numerous clothing brands, providing substantial savings for its members.

Senior Discount Days

Some clothing stores have dedicated senior discount days, where specific discounts are offered exclusively to older customers. This is a common practice among grocery stores, but it's gaining traction in the retail clothing sector, such as Ross Dress for Less. Keep an eye on local advertisements or inquire directly with your favorite clothing stores about any designated senior discount days.

Brand-Specific Discounts

Certain clothing brands have recognized the importance of catering to older demographics and have implemented brand-specific senior discounts. Tommy Hilfiger, Banana Republic, and Clarks are examples of brands that have offered discounts for seniors. Check with your favorite brands directly or explore their websites for any ongoing promotions.

Outlet Stores and Factory Outlets
Outlet stores and factory outlets are known for providing budget-friendly options, and some offer additional discounts for seniors. Brands like Gap, Nike, and Levi's often have outlet locations where seniors can enjoy extra savings on already discounted items.

In the quest for stylish and affordable clothing, seniors have a plethora of options to explore. Whether it's through established loyalty programs, local boutiques, or online platforms, the landscape of senior discounts for clothing is diverse and continually expanding. By staying informed and asking the right questions, seniors can enjoy the fruits of their experience while looking effortlessly fashionable. Remember, the key is to embrace the golden years with confidence, style, and, of course, savings. Happy shopping!

Cyber Monday: an Online Shopper's Paradise

Mon, 27 Nov 2023 21:33:20 GMT

Whether you're a seasoned online shopper or a first timer, this digital shopping extravaganza offers a wealth of opportunities to save big.

In the ever-evolving world of online retail, Cyber Monday stands out as a beacon of excitement for savvy shoppers and digital enthusiasts alike. This annual shopping extravaganza, which falls on the Monday following Thanksgiving, has become synonymous with incredible deals, exclusive discounts and the convenience of online shopping.

The Origins of Cyber Monday

Cyber Monday emerged in the early 2000s as a response to the growing trend of online shopping. Retailers noticed a significant spike in online sales on the Monday following Thanksgiving, likely driven by consumers returning to work and taking advantage of high-speed internet connections. This led to the birth of Cyber Monday – a day dedicated to online deals and promotions.

The Rise of Digital Shopping

Over the years, Cyber Monday has evolved from a niche online shopping day to a global phenomenon. The convenience of shopping from the comfort of one's home, combined with the allure of exclusive online discounts, has propelled Cyber Monday to new heights. Shoppers now eagerly await this day to snag the best deals on everything from electronics and fashion to home goods and more.

Deals Galore

One of the primary reasons behind the popularity of Cyber Monday is the abundance of deals and discounts offered by retailers. E-commerce giants and smaller online businesses alike participate in this digital shopping frenzy, enticing consumers with limited time offers and doorbuster deals. Whether you're looking for the latest tech gadgets, fashionable apparel, or household essentials, Cyber Monday presents an unparalleled opportunity to score significant savings.

The Convenience Factor

In a fast-paced world where time is of the essence, the convenience of Cyber Monday cannot be overstated. Avoiding long lines and crowded stores, shoppers can effortlessly browse through a vast array of products with just a few clicks. The rise of mobile shopping apps has further streamlined the process, allowing consumers to make purchases on the go. The ease of comparison shopping and the ability to read reviews before making a decision contribute to the overall convenience of Cyber Monday.

The Evolution of Shopping Habits

The continued success of Cyber Monday also reflects a broader shift in consumer behavior. As more people embrace the digital age, online shopping has become a preferred method for acquiring goods. The convenience, accessibility and diverse product offerings available online have transformed the way we shop. Cyber Monday, in essence, encapsulates this digital revolution and serves as an annual celebration of the interconnected world of e-commerce.

Cyber Monday has solidified its place as a highlight in the annual shopping calendar. As technology continues to advance and online shopping becomes increasingly ingrained in our daily lives, the allure of Cyber Monday is likely to persist. So, gear up, grab your devices and get ready to unleash the power of Cyber Monday – a shopper's paradise in the digital age.

9 Smart Ways to Save Money at Starbucks

Tue, 21 Nov 2023 20:16:43 GMT

For many, Starbucks® isn’t just a coffee shop; it's part of the daily ritual, a cozy escape and an energy boost. However, the costs can quickly add up, leaving a significant dent in your budget. But fear not coffee lovers! There are savvy ways to enjoy your favorite Starbucks beverages without burning a hole in your wallet. Let's explore nine smart strategies to save money at Starbucks.

Bring Your Own Cup

One of the simplest and most effective ways to save money at Starbucks is to bring your own cup. Starbucks offers a discount when you use a reusable cup, reducing the environmental impact while keeping more cash in your pocket. Investing in a quality travel mug pays off in the long run, as many Starbucks locations provide this discount.

Join Starbucks Rewards

Starbucks Rewards is a loyalty program designed to reward frequent customers. By signing up for the program, you earn stars for every purchase, which can be redeemed for free drinks and food items. Additionally, Starbucks often runs promotions and offers exclusive deals to reward program members, providing further opportunities to save money.

Order a Short Size

Starbucks offers a size that's not explicitly listed on their menu: “Short.” It's smaller than a Tall and comes at a lower price point. If you're looking to cut costs without sacrificing your caffeine fix, ordering the Short cup can be a smart choice. The Short cup is typically 8 ounces, making it an affordable option for those on a budget.

Split and Share

Starbucks drinks are often large and can be calorically dense. Consider splitting a drink with a friend or family member to save money and reduce unnecessary consumption. This way, you can enjoy the Starbucks experience without feeling obligated to finish an entire Venti-sized beverage on your own.

Go to Happy Hour

Starbucks occasionally runs happy-hour promotions, offering discounts on select drinks during specific hours. Keep an eye on the Starbucks app or their website to stay informed about upcoming events. Timing your visits to coincide with these promotions can lead to significant cost savings on your favorite beverages.

Opt for Brewed Coffee

While the allure of specialty drinks is strong, the price tag can be equally formidable. Choosing a regular brewed coffee is not only more budget-friendly but also allows you to savor the pure flavors of Starbucks' quality beans without the added cost of syrups and fancy concoctions.

Bring Your Own Snacks

Pairing your coffee with a snack is a delightful experience, but Starbucks' food items can be pricey. If you’re taking your coffee to go, consider bringing your own snacks. Whether it's a granola bar, a piece of fruit or a homemade treat, you'll satisfy your cravings without paying the premium attached to Starbucks-branded snacks.

Subscribe and Save

If you're a regular Starbucks customer, consider subscribing to their coffee delivery service. By having your favorite coffee blends delivered to your doorstep, you can enjoy the Starbucks experience at home while potentially saving money compared to daily trips to the coffee shop.

Take Advantage of Refills

If you're a Starbucks Rewards member and you're enjoying your beverage in-store, take advantage of the refill policy. You can get a free refill on brewed coffee (hot or iced), hot tea, or iced tea during the same visit. This is an easy way to stretch your initial purchase and make the most of your money.

Saving money at Starbucks doesn't mean giving up your daily dose of caffeine or the comforting ambiance of your favorite coffee shop. With a bit of creativity and strategic thinking, you can enjoy your Starbucks experience while keeping your budget intact. From bringing your own cup to taking advantage of loyalty programs and promotions, these tips will help you savor your favorite drinks without the financial guilt. Cheers to smart savings and delicious sips!

Note: Please ensure you check with your local Starbucks to confirm the discount amount and availability.

7 Thoughtful Retirement Gifts

Thu, 16 Nov 2023 16:39:00 GMT

Here are 7 thoughtful retirement gifts to show your appreciation and convey your best wishes.

Retirement is a significant milestone in a person's life; filled with newfound freedom and opportunities. Whether it's a coworker, friend or family member who is embarking on this journey, it's a special time for recognition and celebration.

Personalized Keepsakes

A personalized keepsake is a beautiful way to commemorate the retiree's career and the memories they've made along the way. Consider items like engraved plaques, customized photo albums or a shadow box filled with mementos from their time in the workplace. These gifts not only remind the retiree of their professional achievements but also help them cherish the moments that defined their career.

Travel Vouchers or Experiences

Retirement often opens the door to travel and exploration. Gifting a travel voucher or a travel experience is a great way to encourage the retiree to embark on new adventures. Whether it's a weekend getaway, staycation or a guided tour to a destination, such a gift can ignite their passion for discovering the world.

Tip: An airline gift card is also a fun idea! This allows the recipient to choose their own travel destination and schedule.

Spa or Wellness

After years of hard work, many retirees look forward to relaxation and selfcare. A spa or wellness package can be a thoughtful way to pamper the retiree and provide them with the opportunity to unwind, rejuvenate and destress. Ideas include spa treatments, a yoga retreat or a wellness weekend.

Subscription Services

Subscription services make practical and enjoyable retirement gifts. Whether it's a streaming service, grocery delivery, a book club membership or a monthly wine or gourmet food subscription, subscription gifts allow the retiree to indulge in their favorite pastimes. Plus, they offer a year-round reminder of your appreciation.

A Retirement Journal

A retirement journal is a unique and sentimental gift that encourages the retiree to document their thoughts, feelings and experiences as they transition into this new phase of life. It provides a platform for self-reflection and a way to capture the memories and adventures that lie ahead.

Hobby-Related Gifts

Retirement is the perfect time to explore and indulge in hobbies and interests. If you know the retiree's passions, consider gifting those items related to their favorite activities. Whether it's gardening tools, painting supplies, golf equipment or a musical instrument, these gifts can spark their creativity and keep them engaged during their leisure time.

A Charitable Donation

For the retiree who values giving back, a charitable donation in their name can be a meaningful retirement gift. Choose a cause or organization that resonates with their values and donate on their behalf. This gift not only honors their commitment to making a difference but also allows them to leave a lasting impact.

Memory Scrapbook

Create a memory scrapbook filled with photographs, notes and well-wishes from colleagues, friends and family. This personalized and heartfelt gift will be a cherished keepsake that the retiree can flip through whenever they want to relive the moments and connections that defined their career.

Retirement is a time of reflection and new beginnings, and thoughtful retirement gifts can express your gratitude and celebrate this important life transition. Whether you choose a personalized keepsake, an opportunity for relaxation and travel or a gift that aligns with the retiree's interests and passions, the most important thing is to convey your heartfelt wishes for their well-deserved retirement. In doing so, you'll help them embark on this new chapter with a sense of purpose, appreciation and excitement for the future!

Easy Appetizers for Holiday Hosting

Thu, 02 Nov 2023 16:40:14 GMT

Air Fryer Coconut Shrimp Sweet Potato Bites Whipped Ricotta Toast

We Found the Favorite End-of-Year Teacher Gifts

Wed, 01 Nov 2023 18:20:34 GMT

Looking for the perfect way to show appreciation for your child(ren)’s teachers?

Most Requested End-of-Year Teacher Gifts

From what we’ve heard, these Paper Mate Flair Pens are hot commodities among teachers. Plus, they come in fun, bright colors that won’t bleed through paper.

Personalized Teacher Gifts

Who doesn’t like receiving something with their name on it?! Or is that just a guilty pleasure of ours? Either way, you can’t tell us that your children(s)’ teacher(s) wouldn’t love receiving personalized notecards or even a personalized pen.

Cheap Teacher Gifts

Let’s clarify something here – cheap does not mean unwanted. But to eliminate any misconceptions, we’re going to use the word inexpensive instead of cheap. Now that we’ve cleared that up, let’s get to the good stuff.

You can never go wrong with a thoughtful handwritten thank you note. Have your student(s) express appreciation to their teacher(s) with a few kind words or even a poem.
You know what else is sure to please? A candy bar. Tell us who wouldn’t love receiving a good ol’ piece of chocolate?! Not only is this a budget-friendly option, it’s also super easy; eliminating any worries of online ordering, wondering if the gift will arrive on time for the last day of school. Instead, you can quickly grab a candy bar from the grocery or convenience store. Heck, even the gas station offers them!
Another inexpensive gift option is hand soap, which is especially useful for the classroom.
Tip: For an added discount towards the purchase, be on the lookout for sales and coupons. Since soap doesn’t go bad, you can always buy hand soap in advance if you find a great deal.
Do you have a flower garden, or do you know someone who does? A fresh bouquet of flowers is always a sweet surprise for any teacher.
Tip: Have an old vase laying around? If not and you have to purchase one, consider checking on the shelves at your local thrift shop.

Whichever gift you choose for your student(s)’ teacher(s), remember to keep it simple and from the heart. What are your go-to teacher gifts? Share your favorites in the comments.

A Spirited DIY Craft

Tue, 31 Oct 2023 17:05:17 GMT

Looking for a cheap but spooky DIY craft this Halloween? We have you covered. These DIY glow-up ghosts are adorable, festive, and can be made using mostly things you already have at home!

Supplies

Cream, beige, or white flour sack cloth or something similar
Empty water bottle
Small funnel
1.5 pounds of rice
Fairy lights with battery pack
Decorations for headband (garland, little flowers, braided rope or yarn
Black foam paper with adhesive backing
Foam Ball
Glue dots

Steps

Pour approximately 1.5 cups of rice into the empty plastic bottle using a funnel. The rice should fill about 1/3 of the entire bottle.
Screw Styrofoam ball down onto the rim of the bottle. Keep screwing until it's secure.
Stick a large glue dot on the top center part of the ball (this will be used later). Stick another two large dots underneath the ball, on each side in order to better secure the ball.
Take the battery pack and tape the cord that goes into the battery back to the bottom half of the bottle (make sure not to tape up the battery pack itself and just let the pack hang).
Wrap the lights around bottle, taping them down as you go. Work your way up toward the head and wrap lights around the head, pressing into ball to fasten but do not put tape on ball itself. If your lights are loose on the ball, you can use a glue dot to secure.
Cut off tags from dish cloth and open cloth to find the very middle. Put the cloth over the head of the ghost and push onto the large glue dot that is on the head. Tuck edges of cloth underneath ghost.
Knot the headband in the back and place on ghost head. Feel free to fray the yarn if you please.
Pick your flowers and/or garland and fasten them to the headband using your small glue dots.
Cut out your eyes and mouth (if you want one) using the black foam and peel off the adhesive paper on back. Attach to your ghost.
Turn on the battery pack and name your ghost.

2023 Scholarship & Grant Recipients

Mon, 30 Oct 2023 18:02:54 GMT

Congratulations to this year’s group of students who have been awarded scholarships and grants from the

GBU Foundation Scholarship Program.

2023 Four-Year Scholarship Awards

These students each received a $1,500 GBU Foundation Scholarship.

Gretchen Augustine

District 819-Milwaukee, WI Biology

Wisconsin Lutheran College

Emma Fraudorfer

District 45-Altoona, PA Undecided

Penn State Altoona

Rebekah Freeman

District 999-National Elementary Education Arizona Christian University

Bert Waltenberger Memorial Scholarship

Jacob Clair Steinbugl, Jr.

District 45-Altoona, PA

Data Science

Penn State University

Julia Gawryleski

District 999-National

Animal Sciences

University of Wisconsin-River Falls

Abi Jalso

District 3000-HRFA Psychology

Loyola University Chicago

Natalie Miscikowski

District 510-Toledo, OH Nursing

Michigan State University

Anna Munko

District 999-National Business/Finance

University of Pittsburgh

Kallie Orosz

District 291-Summerhill, PA Physician Assistant Science Saint Francis University

John Palmer

District 3000-HRFA

Biology

Tulane University

Benjamin Vanic

District 999-National

Education

Concordia University Wisconsin

Carlee Zimmermann

District 999-National

Forestry

University of Wisconsin-Stevens Point

2023 Named Four-Year Scholarships

These students each received a $1,000 scholarship made available by the generosity of GBU Foundation donors.

Clarence O. Affelt Architecture/Fine Art Memorial Scholarship

Abigail Boyles

District 999-National

Fine Arts

Massachusetts College of Art and Design

Mary M. Pocorus Memorial Scholarship

Isabella Duvendack

District 510-Toledo, OH

Finance

John Carroll University

Frank F. Pocorus Memorial Scholarship

Robert Freeman

District 999-National

Electrical Engineering

Cedarville University

Dr. Ludger F. Pocorus Memorial Scholarship

Brendan Hazuda

District 510-Toledo, OH

Education/Marketing

Cuyahoga Community College (Tri-C)

Ronald Pocorus Scholarship

Madeline Rehwinkel

District 4000-Sokol USA

Physics

Bryn Mawr College

2023 Undergraduate Scholarship Awards

These students each received a $1,000 GBU Foundation Scholarship.

McKenna Augustine

District 819-Milwaukee, WI Communications

Concordia University Wisconsin

Kaitlyn Erickson

District 4000-Sokol USA

Education

Grove City College

Jamie Fitzgerald

District 2000-ULS

Biology

Gonzaga University

Addison Gross

District 999-National

Finance

University of Minnesota-Twin Cities

Kaitlyn Hare

District 2000-ULS

Biology

Saint Vincent College

Jonathan Henschel

District 999-National

Psychology

Queens University of Charlotte

Cameron Koch

District 4000-Sokol USA

Biology

Penn State University

Kristen Ranke

District 999-National

Rehabilitation Science

University of Wisconsin-Eau Claire

Maleia Thompson

District 699-Frankenmuth, MI

Music and Mathematics Education

Central Michigan University

Emese Toth

District 3000-HRFA

Fine Arts, English and Foreign Languages

Case Western Reserve University

2023 Graduate Scholarship Awards

These students each received a $1,000 GBU Foundation Scholarship.

Presley Dougherty

District 291-Summerhill, PA

Engineering Design

Penn State University

Elena Gioiello

District 3000-HRFA

Dental Medicine

Case Western Reserve University School of Dental Medicine

Emma Henschel

District 999-National

Architecture

University of Notre Dame

Rylee Holek

District 510-Toledo, OH

Not Listed

Central Michigan University

College of Medicine

Sydney Wolf

District 999-National

Psychology

Lewis University

Michael Zemanek

District 810-Cleveland, OH Engineering

Washington University-St. Louis

2023 Two-Year Scholarship Award

These students received a $1,000 GBU Foundation Scholarship.

Gage Haselbarth

District 45-Altoona, PA

IT Cyber Security

Pennsylvania Highlands Community College

Mia Maechner

District 810-Cleveland, OH

Education

Worldview at the Abbey

Luke Netzel

District 999-National

Welding

Northeast Wisconsin Technical College

Brienna Reinke

District 999-National

Nursing

Harrisburg Area Community College

Freshman Scholarship Renewals

These students each received $1,500 scholarship renewals.

Madison N. Ancosky

District 4000-Sokol USA Industrial Engineering

West Virginia University

Devin G. Borowski

District 999-National

Real Estate

University of Wisconsin-Madison

Bert Waltenberger

Memorial Scholarship

Michael A. Bradley

District 684-Pittsburgh, PA Aeronautics

Kent State University

Peter J. Carozza

District 171-Pittsburgh, PA Mechanical Engineering Pennsylvania State University

Marissa Collins

District 999-National Accounting

Robert Morris University

McKenna Coots

District 999-National Exercise/Therapeutic Science Liberty University

Amber Cross

District 2000-ULS

Education

University of Alabama Birmingham

Kelby Dall

District 819-Milwaukee, WI Elementary Education University of Wisconsin-Madison

Bert Waltenberger Memorial Scholarship

Katie Davis

District 404-St. Louis, MO Health Science

University of Florida

Nicholas Doman

District 630-Ann Arbor, MI Biology

Florida International University

Amanda Dosey

District 630-Ann Arbor, MI Nursing

University of Toledo

Lindsey Dugan

District 3000-HRFA

Early/Special Education Slippery Rock University

Jordan Fairman

District 4000-Sokol USA Physician Assistant

Seton Hill University

Joseph Freck

District 510-Toledo, OH Electrical Engineering Purdue University

Van Breukelen Family Scholarship

Leslie George

District 999-National Bioengineering

University of Pittsburgh

Croix Horsley

District 817-Philadelphia, PA

Economics

Vassar College

Alexander Jurkovich

District 810-Cleveland, OH Human Biology

The University of Southern California

Andrew Kalmanowicz

District 2000-ULS Economics/Business Administration

Lebanon Valley College

Preston Korytkowski

District 707-Grand Rapids, MI Computer Science

Michigan State University

Shelby Korytkowski

District 707-Grand Rapids, MI Biomedical Sciences Central Michigan University

Bence Kovacs

District 3000-HRFA

Civil Engineering Northeastern University

Joshua Koval

District 500-Lilly, PA Biochemistry/Chemistry Saint Francis University

Dylan Kunrod

District 291-Summerhill, PA Computer Science University of Pittsburgh at Johnstown

Abigail Miller

District 684-Pittsburgh, PA Mechanical Engineering Carnegie Mellon University

Magdalena Miller

District 684-Pittsburgh, PA Chemical and Biomolecular Engineering

University of Pennsylvania

Macy Miscikowski

District 510-Toledo, OH Psychology

Michigan State University

Aidan Niermeyer

District 999-National

Biology

University of Wisconsin-Madison

Bailey Orr

District 999-National

Law

Florida State University College of Law

Caroline Peek

District 815-Dayton, OH

Early Childhood Education Bowling Green State University

Elizabeth Rajinik

District 2000-ULS Occupational Therapy Elizabethtown College

Elizabeth Rehwinkel

District 4000-Sokol USA Chemistry

Smith College

Adrienne Schupp

District 4000-Sokol USA Economics and Finance John Carroll University

Nicole Walko

District 4000-Sokol USA Neuroscience

Trinity University

Kenna White

Former District 646- Coraopolis, PA

Chemistry

Juniata College

Marley Wolf

District 999-National Psychology

Waynesburg University

Kelsey Wolfe

District 999-National

Middle Childhood Education Ohio Wesleyan University

Clarence O. Affelt Architecture/Fine Art Memorial Scholarship Renewals

($500)

Luke Brickley

District 146-Johnstown, PA Plastic and Polymer Engineering Technology

PA College of Technology

Peyton Korytkowski

District 707-Grand Rapids, MI Interior Design

Central Michigan University

Julia Platt

District 999-National English

Ohio University

Undergraduate Renewals

($1,000)

Anna Jurkovich

District 810-Cleveland, OH Finance

Indiana University

Antonio Campitell

District 146-Johnstown, PA Chiropractic Medicine

Palmer College of Chiropractic

Benjamin Ferrara

District 2000-ULS

Computer Science

University of Colorado-Colorado Springs

Benjamin Tarkanyi

District 3000-HRFA Mechanical Engineering Lawrence Technological University

Chadwick Huss

District 510-Toledo, OH Medicine

University of Toledo College of Medicine and Life Sciences

Katherine Koch

District 4000-Sokol USA

BFA Dance

University of Hawai’i at Manoa

Nicole Faulhaber

District 999-National Marketing

University of Akron

Stephanie Walters

District 999-National

Dental Surgery

Creighton University School of Dentistry

Graduate Renewals

($1,000)

Annaliese Bangert

District 999-National

Nursing

Spring Arbor University

Caitlin Ulrich

District 684-Pittsburgh, PA Occupational Therapy

Duquesne University

Emily Jadin

District 999-National

Physician Assistant

Carroll University

Lisa Freeman

District 999-National

Masters in Nursing

Cedarville University

Makayla Himes

District 999-National

Occupational Therapy

Chatham University

2023 Personal Giving Grants

These students each received a $500 grant made available by the personal donations of those listed.

James R. Stoker Memorial Education Grant

Sarah Catherine Harouse

District 684-Pittsburgh, PA

Global Health

University of Notre Dame

John P. Albright Grant

Rachel Redinger

District 684-Pittsburgh, PA

History

Waynesburg University

Former District 496-Gill Hall, PA, Grant

Dylan Aey

District 510-Toledo, OH

Finance

University of Cincinnati

Former District 496-Granite City, IL, Grants

Aida Castelli

District 2000-ULS

Law

Florida International University

Nicole Mischak

District 3000-HRFA

Biology

George Washington University

James R. Stoker Higher Education Grants

Nicole Abel

District 684-Pittsburgh, PA

Nursing

Carlow University

Helen Brozozowski

District 815-Dayton, OH

Engineering

Purdue University

Cameron Emerson

District 291-Summerhill, PA Computer and Information Technology Saint Francis University

Lisa Jo Fanelli-Greer

District 684-Pittsburgh, PA

Nursing

Carlow University

Dalton Hamm

District 4000-Sokol USA History/Education Westminster College

Hannah Lajti

District 510-Toledo, OH Physical Therapy

Cleveland State University

Lincoln Martin

District 999-National

Safety Management Slippery Rock University

Nicholas Reeder

District 510-Toledo, OH Mechanical Engineering

Ohio State University

Alivia Sapone

District 999-National

Nutrition and Food Science

Montclair State University

Angela Wharton

District 45-Altoona, PA

English-Literature and Composition

Indiana University of Pennsylvania

Foundation Grants

These students each received a $750 grant from the GBU Foundation.

Georgia Arsic

District 810-Cleveland, OH Not Listed

Kent State University

Donna Ayers

District 3000-HRFA

Student Affairs in Higher Education

DeSales University

Madison Bassett

District 999-National Biology

University of Pittsburgh at Johnstown

Joelle Beaumariage

District 999-National

Digital Medi Arts/Public Relations and Advertising Duquesne University

Sarah Beckage

District 3000-HRFA Psychology/Biology Syracuse University

Ayla Bernsten

District 818-Orlando, FL Science

University of Central Florida

Josephine Bielecki

District 4000-Sokol USA Dietetics

Missouri State University

Anna Blanford

District 999-National Biology

University of Wisconsin-Stout

Jeffrey Bradley

District 171-Pittsburgh, PA Culinary Arts

Indiana University of Pennsylvania, Academy of Culinary Arts

Rachel Brinkman

District 999-National Church Music

Concordia University

Jeffrey Campey

District 510-Toledo, OH Business Administration Georgia Institute of Technology

Lauren Connor

District 999-National Sociology, Psychology Indiana University of Pennsylvania

Katherine DiMuccio

District 999-National

Criminal Justice

Seton Hill University

Lucas Dorsch

District 45-Altoona, PA Finance

Slippery Rock University

Zachary William Dosey

District 630-Ann Arbor, MI Electrical/Electronic Engineering Technology Wayne State University

Emily Drost

District 1000-LFA

Biology

Wayne State University

Conner Eckert

District 999-National Undecided

Slippery Rock University

Joscelynn Favre

District 999-National

Early Childhood Education Quincy University

Corbin Fetterman

District 999-National Mechanical Engineering Alfred State

Mandy Fetterman

District 999-National

English/Creative Writing SUNY New Paltz

Eden Forcht

District 810-Cleveland, OH Nursing/Psychology Cleveland State University

Camden Frazier

District 510-Toledo, OH Mechanical Engineering Miami University

Sarah Freck

District 510-Toledo, OH Engineering/Chemistry University of Cincinnati

Lena Gay

District 999-National Psychology

Hampton University

Melanie George

District 999-National Biology

Ohio University

Riley Green

District 999-National Computer and Information Technology/Computer Software

University of Central Florida

Victoria Harden

District 999-National History

Westminster College

Jackson Hargreaves

District 146-Johnstown, PA Pre-Physician Assistant Saint Francis University

Selena Haselbarth

District 45-Altoona, PA Microbiology

University of Pittsburgh

Archie Hill

District 45-Altoona, PA Business

University of Virginia

Téa Hill

District 999-National Management

Minnesota State University-Mankato

Victoria Holtz

District 2000-ULS Chemistry

Miami University

Parker Jendrysik

District 999-National Journalism

Ohio University

Eric Klaber

District 999-National

Fine Arts

Ohio University

Jared Klaber

District 999-National Engineering

University of Cincinnati

Lauren Klein

District 999-National

Health Education and Behavior University of Florida

Chrisopher Kloha

District 1000-LFA

Computer and Information Technology

Michigan Technological University

Taylor Korytkowski

District 707-Grand Rapids, MI Exercise Science

Kent State University

Lilly Kulaga

District 2000-ULS

Business Administration University of Michigan-Ann Arbor

Karl Larson

District 3000-HRFA Marketing

Iowa State University

Nora Larson

District 999-National

Not Listed

University of Wisconsin-Whitewater

Adeline Lasko

District 3000-HRFA

Physician Assistant

Seton Hill University

Dylan Lautner

District 999-National Environmental Science University of Hawai’i

Megan Liberoni

District 999-National Healthcare Management University of Pittsburgh at Greensburg

Nolan LoBianco

District 999-National

Not Listed

University of Cincinnati

Carley Miller

District 999-National Biology

Slippery Rock University

Madeline Mischak

District 3000-HRFA

Political Science

Indiana University

Kayla Moran

District 999-National Agriculture

Penn State-Behrend

Katherine Pearson

District 4000-Sokol USA Law

University of Florida
Levin College of Law

Olivia Platt

District 999-National Education

Slippery Rock University

Gabriella Povenzano

District 999-National Criminal Justice Waynesburg University

Nathan Reese

District 999-National Architecture

Penn State University

Josie Rempt

District 999-National

Health Studies

University of Iowa

Margaret Reis

District 817-Philadelphia, PA Nursing

Cedar Crest College

Noelle Roth

District 684-Pittsburgh, PA Master of Library and Information Science

Wayne State University

Caitlin Schlicht

District 999-National

Biology

Carroll University

Marin Schmitt

District 999-National

Not Listed

University of Wisconsin-Milwaukee

Jessica Schroeder

District 630-Ann Arbor, MI Biology

San Diego State University

Jacob Francis Schupp

District 4000-Sokol USA Master of Business Administration

Cleveland State University

Imre Simon

District 3000-HRFA Computer and Information Technology

University of Pécs Faculty of Engineering and Information Technology

Cole Slezak

District 4000-Sokol USA Criminal Justice

Lycoming College

Ellie Slezak

District 4000-Sokol USA Education/Arts

Grove City College

Natasha Slezak

District 4000-Sokol USA Political Science

University of Richmond

Eva Spangler

District 999-National Government

University of Virginia

Maren Steinbugl

District 45-Altoona, PA Marketing and Business Analytics

Drexel University

Brittney Tarkanyi

District 3000-HRFA

Law

Belmont College of Law

Elise Torp

District 821-Sterling Heights, MI

Environmental Science Undecided

Addison Vandergriff

District 2000-ULS

Education

West Virginia University

Morgan Verhaalen

District 999-National Biomedical Engineering University of Wisconsin-

Eau Claire

Clark Visca

District 2000-ULS

Business

University of Utah

Josh Vishanoff

District 298-Allentown, PA Business Information Systems Grand Canyon University

Madison Walters

District 999-National Accounting

University of Wisconsin-Madison

Nicholas Walters

District 999-National Biochemistry/Molecular Biology University of Wisconsin-Eau Clare

Thaddeus Weiss

District 510-Toledo, OH Economics

University of Tennessee-Chattanooga

James Wharton

District 45-Altoona, PA Computer and Information Technology

St. Francis University

Lexi Wilkins

District 684-Pittsburgh, PA Biology

Old Dominion University

Ryan Wilkins

District 684-Brentwood, PA Biology

James Madison University

Sophia Willamson

District 999-National

Liberal Arts

Harvard Extension School

Avery Wolf

District 999-National Marketing

Marietta College

Chole Wolfe

District 999-National Education or Business

Ohio University

Erika Zeigler

District 3000-HRFA Political Science

Slippery Rock University

2023 GBU Foundation High School Freshman Grants

These students each received a $250 grant from the GBU Foundation.

Mason Aquiline

District 999-National

Michael Aquiline

District 999-National

Kalvin Bristol

District 999-National

Abigail Browne

District 815-Dayton, OH

Madelyn Brumbaugh District 2000-ULS

Gavin Campbell

District 999-National

Lucy Crothers

District 510-Toledo, OH

Michael DeGraff

District 2000-ULS

Aneka Diem

District 707-Grand Rapids, MI

Madison Dieter

District 815-Dayton, OH

Brielle Dunn

District 84-Lancaster, PA

Reece Fisher

District 999-National

Leighton Anne Freeman District 999-National

Bryce Fromach

District 999-National

William Gast

District 510-Toledo, OH

Kaylee Glover

District 4000-Sokol USA

Ethan Hartford

District 4000-Sokol USA

Rudolph Hauss

District 821-Sterling Heights, MI

Andrew Havener

District 999-National

Caleb Hays

District 510-Toledo, OH

Connor Henderson

District 999-National

Cole Henning

District 999-National

Ashley Herman

District 2000-ULS

Ainsley Keller

District 999-National

Alexander Killam

District 999-National

Keylie Koenig

District 2000-ULS

Samuel Kovacs

District 684-Pittsburgh, PA

Caroline Kulaga

District 2000-ULS

Emily Lepley

District 291-Summerhill, PA

Lily Lushko

District 146-Johnstown, PA

John Madl

District 999-National

Stella Maechner

District 810-Cleveland, OH

Noah McCaulley

District 999-National

MaryEllen McConnell District 999-National

Olivia Mendel

District 684-Pittsburgh, PA

Louis Mercolini

District 999-National

Ricky Monro

District 999-National

Zeplin Moore

District 510-Toledo, OH

Ella Noto

District 999-National

Matthew Peck

District 999-National

Maya Plummer

District 999-National

William Post

District 999-National

Gibson Putnam

District 707-Grand Rapids, MI

Wyatt Putnam

District 707-Grand Rapids, MI

Jocelin Rector

District 999-National

Isabella Rericha

District 999-National

Sophia Riedeman

District 510-Toledo, OH

Molly Ries

District 817-Philadelphia, PA

Viola Rosarion

District 3000-HRFA

Raine Schindler

District 999-National

Landon Seefeldt

District 999-National

Brenda Show

District 999-National

Saylia Sund

District 999-National

Joseph Vanic

District 999-National

Ashlyn Verner

District 999-National

Alex Wegesin

District 510-Toledo, OH

2023 GBU Community Educational Grants

These students each received a one-time $1,000 grant from the GBU Foundation.

Abigail Hutchinson

Baldwin High School Nursing

West Virginia University

Leyna Ho

Brentwood High School

Biology

University of Pittsburgh

Mia Sibley

Elizabeth Forward High School Cybersecurity/Analytics

Penn State-University Park

Want to be a part of GBU’s scholarship and grant program?

Perpetual and one-time giving educational grants help fellow GBU members to meet their education goals.

Perpetual Grant

Designate a $500 grant to remember or honor a loved one that renews in perpetuity with a donation to the GBU Foundation of $15,000.

One-Time Grant

Designate a one-time grant to remember or honor a loved one with any donation to the GBU Foundation of $500 or more.

Make a general donation at gbucares.org or contact Charitable Giving Specialist Ken Elliott ( kenneth.elliott@gbu.org ) if you are interested in designating a grant.

In Memoriam: July-September 2023

Fri, 27 Oct 2023 15:52:51 GMT

A tribute to members we have lost.

Death Claims Paid Out: July–September 2023

GBU extends its sincerest sympathies to the bereaved families of its deceased members.

Give Back Group Project Spotlight: Greenock Log House

Fri, 27 Oct 2023 11:32:32 GMT

GBU members use Give Back Group program to benefit the Greenock Log House.

GBU member Marilyn Backus of Pitcairn, PA, decided to use two passions–gardening and history–to organize a Give Back Group fundraiser to benefit the Elizabeth Township Historical Society (ETHS).

As a member of the Garden Club Federation of Pennsylvania and local convention chair, Marilyn helped organize the statewide convention held in Pittsburgh in April 2023. The convention drew more than 300 gardeners and conservationists.

Wearing another hat as an ETHS board member, Marilyn saw this event as a unique opportunity to raise funds for the ETHS Greenock Log House restoration project. Marilyn maintains the perennial gardens of the two-story, white oak log home that dates to 1790 and supports events to encourage appreciation of and participation in local history.

Marilyn, along with GBU social members Debbie Popp Gilbert and Linda Bennett, organized a home and garden tour of the historic site. The convention’s publicity, online articles and publications generated interest, and many attendees took a bus tour to the site. There, docents in period costumes shared insights and knowledge about the home’s construction and the sustainable lifestyle of its early inhabitants. House tour visitors donated $633, which GBU matched, doubling the funds raised by Marilyn, Debbie and Linda to a total of $1,266 for ETHS.

These Give Back Group funds will help preserve and restore the 230-year-old building, create dynamic and interpretive historic experiences, develop period perennial gardens and teach sustainable living practices of early settlers.

Give Back Groups

VISIT GBUCARES.ORG/GIVE-BACK-GROUPS TO REQUEST APPROVAL FOR YOUR GIVE BACK GROUP.

Beautiful Music

Thu, 26 Oct 2023 20:42:29 GMT

District 821's GBU Saxonia-Rheingold Chorus celebrates its 100th year.

Christmas Sing, 2015

On February 23, 1923, some men with a love of singing in Sterling Heights, MI, gathered to form a choir under the direction of the group’s first president, John Zabel. The choir grew to over 100 members within the first year. Soon after, in March of 1926, the ladies choir was started as a separate organization. However, as a result of the Depression, both groups sustained substantial losses in membership and chose to merge.

In 1936, GBU President Hans Schreck and Saxonia Mixed-Chorus President Thomas Seiler decided to practice singing together. This practice resulted in a new partnership, and Franz Reschke was hired to be the director of the new GBU-Saxonia Mixed Chorus.

The choir at the National Sängerfest

In 1965, George Beverst began his position as conductor. The group made its first trip to Germany in 1983 to celebrate the 300th anniversary of Germans in America. The group also attended a choral festival in Hamburg and visited the city of Krefeld, which was the original home of the first 13 German families who came to America to settle near Philadelphia in 1683. It was also the chorus’s 60th anniversary, and renowned German Tenor, Rudolph Schock, attended the anniversary concert. The trip was followed by additional ones in 1993, 1996, 2000, 2003, 2011 and 2015. The chorus earned many honors and awards and befriended many German choirs, who have, in turn, come to America to visit and sing. These trips gave the members an opportunity to visit a city in the former East Germany, which had been previously closed to travel, and to sing in the famous Cathedral of Cologne.

The Rheingold Men’s Choir joined in 1994, and the chorus’s name was changed to its current one, the GBU Saxonia-Rheingold Choru s. The combined chorus continued to bring their music to events such as the Detroit German Christmas Service at the historic Trinity Lutheran Church, the 150th anniversary of St. Alphonso‘s Church in Dearborn, MI, in 2002 and the 150th anniversary of St. Peter‘s Church in Richmond, MI, in 2022. The group was invited to sing at the Macomb Symphony in 2004 and again in 2017 for their concert, Germany, the Homeland of Harmony. The group also traveled together for vacations to Barbados and Milwaukee. Together, they have traveled for singing to Chicago, Pittsburgh, Dayton, London and Kitchener in Ontario, Canada, in addition to Oregon, OH, for its German-American Festival.

All three Michigan choirs at the 2023 Sängerfest in Madison, Wisconsin.

The group has had annual performances at the Deutsche Tag in August and the Unification Day in October, performances in 2017, 2018 and 2019 at Jimmy John’s Stadium for German Heritage Day, and performances every 3 years at Fort Custer Cemetery, honoring 14 German soldiers who lost their lives in WWII. Special concerts were performed in honor of their 75th and 80th anniversaries, as well as in honor of Mozart’s birthday in 2006. They also performed at a concert remembering the 10-year anniversary of the fall of the Berlin wall.

The G BU Saxonia-Rheingold Chorus also has done a great deal of charitable work such as matching funds drives for the VFW, making handmade blankets for the Children’s Hospital, supporting the Macomb County Food Bank and St. Peter’s Church Food Bank, fundraising for firefighters and police following September 11, 2001, raising money for a local student in need of a wheelchair and tending flower beds and providing kitchen help at Carpathia Hall.

Until 2020, the group hosted the annual Old World Christmas Market, which attracted thousands of visitors, and a very popular Karneval festival, the largest Karneval celebration in Michigan. Unfortunately, two years of COVID restrictions brought these annual festivities to an end. The group is currently preparing for its 100th Anniversary Concert on November 5, 2023. Throughout its 100 years, the GBU Saxonia-Rheingold Chorus has provided its members the opportunity to share a unique bond of fellowship and pride in their German culture and heritage. We hope it continues to do so for many years to come!

Spring Concert, 2015

Future Flex Preferred Annuity Series

Thu, 26 Oct 2023 19:46:28 GMT

Ready for an upgrade?

The new GBU Future Flex Preferred is here! This product is an update of the Preferred 5 and Preferred 8 that you love*, with new features.

New Features

Future Flex Preferred 5 & 8 (FFP 5 & FFP 8)

Penalty-free annual withdrawals with roll-up option
Living Benefits Rider
Joint Ownership

Future Flex SPIA

Penalty-free annual withdrawals with roll-up option
Commutation Rider
Joint Ownership

More about the Annuities

Withdrawal of up to 10% of the account value can be made each year, including the first year. If no withdrawal is made in any given year, a 20% withdrawal may be made the following contract year. Withdrawals for amounts over those allowed during the guaranteed period are subject to surrender charges defined in the contract. GBU Life is the marketing name for GBU Financial Life. Annuities are not short-term products and are issued by GBU Financial Life (GBU), 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227. Benefits may be taxable. Withdrawals prior to 59½ may be subject to IRS penalties. Products referenced are offered and sold only by appropriately appointed and licensed entities and professionals. Products and features may vary by state. Certain riders may not be available with all products. No statement contained herein shall constitute tax, legal or investment advice. You should consult with a legal or tax professional for any such matters. NOT A DEPOSIT OF A BANK-MAY LOSE VALUE-NOT BANK GUARANTEED.

For the Future Flex Preferred

Rates are subject to change without notice. The first-year declared interest rate is guaranteed for the first contract year only and is separate from the guaranteed minimum rate of 2.00% and 1.65% , respectively, which is effective for all contract years. Effective annual yields will be lower if withdrawals are more than annually. After the first contract year, annual deposits are limited to $1,000,000. During the surrender charge period, withdrawals exceeding 10% will be subject to a surrender charge that may be higher than fees associated with other types of financial products and may reduce principal. This is a summary of the contract provisions. Please refer to the contract for details of surrender charge schedule, benefits and exclusions. Contract Form Series: ICC22_FPDA_CON_(01-22), FPDA_CON_(01-22)_FL, ICC22-SPIA_CON_(01-22), SPIA_CON_(01-22)_FL

Ready to find out more?

Call your GBU agent or the GBU Home Office to schedule an appointment to review your needs.

Current annuity rates are available at inside.gbu.org/current-rates

*GBU annuities were rated 4 or 5 out of 5 for product quality by 97% of respondents to GBU Life’s 2022 Member Survey.

Recharge This Fall with 5 Ways to Stay Active

Thu, 26 Oct 2023 18:33:30 GMT

Biking

The crisp fall air. The riot of color. The cider after the ride. All this sums up to a glorious fall outdoor experience. Just make sure to wear proper clothing, be visible, use caution and ensure your bike is in good working order.

Group Classes

This is a great way to socialize and reconnect with friends, all while escaping the falling temperatures.

Hiking

Fall is a great time to hit the trail! The crowds have faded, and the leaves are putting on a stunning show of color. Grab a partner. Pick a trail and prepare for an amazing outdoor adventure.

Outdoor Sports

Get a group of family or friends together and prepare for a fun day of outdoor play. Whether it is basketball, flag football or soccer, fall is a great time to get outside and work out without feeling like you're exercising.

Apple Picking

Activities, such as picking applies or navigating a corn maze, can up your movement throughout the day and offer short bursts of intensity. Getting different types of motion in and using your body in ways you would not at a gym can improve your overall fitness.

Work–Life Balance from People Who Know

Thu, 26 Oct 2023 17:10:31 GMT

As we wrap up 2023 and start to plan for 2024, it is my hope that the readers of this publication have become familiar with and now recognize the importance of the very real and achievable concept of work-life balance. On paper (and according to Forbes), work-life balance is defined as giving “equal time or priority to personal and professional activities.”

I asked six work-life balance warriors who have helped me achieve such a balance in my personal life to participate in a Q&A session. Here are each individual’s unique versions of what work-life balance means to them.

1.

Jordan Bellotti, Pittsburgh Headshot Photographer, Jordan Bellotti Photography

Jordan Bellotti is the owner and operator of Jordan Bellotti Photography, a business specializing in professional corporate headshots. Jordan shares his experience running a business and raising a 16-month-old child.

T: What are some ebbs and flows of balancing life and running a small business?

J: When you decide to become a small business owner, it takes a serious change in your thinking as well as your actions. It almost becomes a way of life. Things are constantly changing as far as my schedule, but my family and I have an understanding that this is how we survive. Though, I do think it’s important to set aside specific family time. One example is we eat every meal we can together at our table. It’s a short time that’s easy to dedicate to one another. In summary, prioritize your family the best you can but also don’t miss the big wins that your family will benefit from.

2.

Brittany Rodman, MSA+ Sales Support Specialist, MSA

Brittany Rodman is a sales professional and a working mom of two. Brittany spent the first year of her oldest daughter’s life as a stay-at-home mom (SAHM) before returning to work and excelling in the work-life balance arena.

T: What has been the biggest difference for work-life balance going from a full-time stay-at-home mom back to a full-time employee?

B: Being a SAHM actually taught me the importance of work-life balance. I used to check my email and Teams notifications vigorously during all hours. This amongst COVID was the reason I felt I needed to step away. I needed to make sure that my daughter was getting the love and care she needed while also not burning myself out. Now that I’m back to work, I have confidence that BOTH of my daughters are properly being cared for, and I take the necessary steps to ensure that work does not overlap my time at home. I always try to focus on where my feet are.

3.

Jenna Vassallo, Head of Brand and Marketing, Parentaly

Jenna Vassallo is the head of brand and marketing at Parentaly, a career coaching and parental leave support provider that helps employees and their teams minimize career and business disruption. She is a mom of two and author of Parentaly’s newsletter.

T: How does or should work-life balance carry over into parental leave?

J: I’m all about using parental leave to heal and focus on bonding with your child, so it’s really important to put the work in prior to your leave so you feel comfortable, more or less, unplugging. For that to be possible, it requires setting clear boundaries ahead of time-specifically about communication preferences with your employer when you’re on leave. By doing this, it’ll allow you to prioritize “life” during this special time off, knowing IF something you outlined as important to you comes up while you’re on leave, your team knows when and how to communicate about it with you. I’m a huge advocate for leaving it up to the employee on [parental] leave to decide whether they want to weigh in on certain things, and I think it can be done in a way that doesn’t intrude on their work-life balance...especially if it’ll impact their career in the long run.

4.

Nick Bennett, Chief Customer Officer & Co-Founder, TACK

Nick Bennett is one of the most influential voices in marketing, announcing new go-to-market projects and useful resources at every corner. During a recent layoff, Nick and his wife grew their family from three to five before announcing the switch from full-time employee to full-time creator.

T: What are the most important aspects towards achieving work-life balance?

N: For me, it’s all about time blocking and not being afraid to say no.

5.

Brea Olmstead, Executive Business Partner to the COO, Refine Labs

Brea Olmstead is a virtuoso at identifying the right problem to solve and supporting the environment necessary to align the correct solution to the correct problem through end user design, equity and authentic relationships. Brea channels this and talks about the balance of it all through social media platforms like LinkedIn.

T: What are the differences between work-life balance, work-life blend and work-life integration?

B: Perhaps only semantics for some, and at the crux is that one-size-fits-none. Professionals are not a homogeneity, so why are the best practices regarding work-life balance served as objective truths? Embracing a resonate framework allows us to balance, integrate or blend our work rhythms into our lives and lived experiences–accounting for caretaker responsibilities, side hustles, health, neurotype and beyond.

6.

Tony Sousa, VP, RPM Living

Tony Sousa’s pinned post on LinkedIn is some of what you need to know about him–a photo of a revered executive returning home to the smiling faces of his kids. Tony has been called “the most interesting person” in the multifamily industry but does not hesitate to put family first.

T: How has subscribing to a work-life balance lifestyle helped you climb the ladder of success?

T: Recharging at home with fam[ily] and friends is the secret to excelling at the Monday through Friday. When you spend quality time at home with family and friends, it gives you the energy, confidence and strength you need to take on any challenge at the office. And if you take on a lot of challenges and become successful at solving or overcoming them, your career will grow.

GBU Foundation Day of Giving 2023

Tue, 10 Oct 2023 12:56:55 GMT

Monday, October 23 will be GBU Foundation's Inaugural Day of Giving

GBU Foundation is celebrating its 60th anniversary in 2023 and will launch a Day of Giving campaign on October 23 its official founding day, to mark the occasion.

ON THIS ONE DAY , we encourage GBU’s 70,000 members throughout the United States to unite and donate to increase the GBU Foundation’s impact on their communities.

You can support two GBU Foundation programs on the GBU Foundation Day of Giving

GBU Foundation Scholarships Program

The GBU Foundation’s 60-year focus has been providing scholarships to members to help them achieve success in life by furthering their education. The firm belief that every applicant should receive some financial award guides the GBU Foundation. In 2023, the Foundation is providing $196,750 in scholarships and grants to 244 students, but not all eligible applicants received a financial award because of limited funding.

Your Day of Giving donation can fund 2024 Day of Giving Educational Grants and help the Foundation reach the goal of granting every eligible applicant a financial award.

GBU Foundation Community Grants Program

This fall, GBU Foundation is launching a new initiative to award community grants in each of GBU’s four Community Pillars — Wellness, Education, Charitable Giving, and Hometown Hero Support to nonprofit organizations enriching their communities.

Your Day of Giving donation will help determine the number and amount of GBU Foundation Community Grants to be awarded in 2024.

Give Online on the GBU Foundation Day of Giving

Don’t worry about writing a check, getting a stamp, and mailing it with an October 23 postmark to be included in the Day of Giving total.

GBU Foundation covers all processing fees, so your full donation will be used for 2024 Day of Giving Educational Grants and GBU Foundation Community Grants.

Join the GBU Foundation 60th Anniversary Club on the GBU Foundation Day of Giving

When you give $60 or more during the Day of Giving campaign, you will join the GBU Foundation 60th Anniversary Club and be eligible to receive GBU Foundation 60th Anniversary Club gifts as tokens of appreciation for your generosity.

All donations are tax deductible. You will receive an electronic tax receipt when you give online or a mailed tax receipt when you give by check.

How Does the Day of Giving Work?

How Can I Participate?

Give online at gbu.org/foundation

on Monday, October 23, 2023, from 12:00 AM ET to 11:59 PM ET.

Pay by Check

Make your check payable to GBU Foundation .

Mail it, along with your completed GBU Foundation Day of Giving Form to GBU Foundation, 4254 Saw Mill Run Boulevard, Pittsburgh, PA 15227-3394.

Your check must be postmarked by October 23, 2023 , to count in the total for the GBU bonus funds.

District, Business and Corporate Donations

Give online or mail a check with the GBU Foundation Day of Giving Form .

Contact Ken Elliott, Charitable Giving and PR Specialist, at kenneth.elliott@gbu.org by October 23, 2023.

Employer-Matching Program

Your employer may have a matching gift program that would match your Day of Giving donation, resulting in an even bigger donation to the GBU Foundation.

Talk with your employer about whether there is a matching gift program, eligibility guidelines and next steps to secure your matching gift.

IRA-Required Minimum Distributions (RMDs)

Your RMD may count as a Day of Giving donation.

Make a direct transfer from your IRA to the GBU Foundation no later than 11:59 PM ET on October 23, 2023, or have your IRA administrator send a check from your account payable to GBU Foundation and postmarked by October 23, 2023.

GBU Bonus Funds—Bonus of 10% of Funds Raised

GBU will provide a 10% bonus match on every dollar raised on the GBU Foundation Day of Giving.

Watch the Day of Giving Thermometer in real time as your gift is added to the tally and helps the Foundation secure GBU bonus funds!

GBU Foundation Community Grants Awards

Mon, 09 Oct 2023 16:38:27 GMT

Give

Designated funds from the GBU Foundation Day of Giving on October 23, 2023, will be used to fund the 2024 Community Grants Awards.

Nominate

From November 22, 2023, until December 5, 2023, you can nominate a 501(c)(3) organization in each of GBU’s four pillars (Wellness, Education, Charitable Giving and Hometown Hero Support) for a Community Grants Award.

Vote

Finalists will be announced by December 31, 2023. you can vote for your favorite organizations in each category from January 15, 2024, until January 31, 2024.

Winners will be announced in February 2024.

Get started at GBU.org/foundation

Meet GBU's 2023 Volunteer of the Year

Wed, 04 Oct 2023 18:20:06 GMT

Introducing ... Lauren Botticelli

GBU Life its members are honored to recognize Lauren Botticelli, as this year's Volunteer of the Year. This award is given in recognition of a member's dedication to helping others and his or her outstanding service and contributions in the local community.

Lauren is an active leader and volunteer at The Animal Pad, a non-profit, all breed dog rescue that focuses on rescuing dogs from high kill shelters in Southern California and Mexico. Lauren and fellow volunteers provide rehabilitation and care while finding loving homes for the animals She has been an advocate and furry friend companion for the past six years.

"Lauren will ALWAYS show up for the dogs no matter what it takes.

Throughout the past 6 years, there has been an immense amount of change as we grew from an itty bitty local rescue to the powerhouse team of volunteers and fosters in the hundreds that we are today, but one constant is Lauren. This has built a stronger community because we are all connected by the volunteer work we do from fosters to veterinary team, kids camp to working with the dogs of unsheltered people." -Kelly Johnston

Lauren and stories from The Animal Pad have been featured in publications such as SD Voyager and The Wildest and on the My Solo Road podcast.

For more information about The Animal Pad, visit theanimalpad.org.

GBU can help support the causes you care about. Visit gbucares.org for more information.

The Ultimate Guide to the Best Pet Gifts

Wed, 27 Sep 2023 01:26:15 GMT

Innovative and thoughtful gifts for beloved companions.

In a world where our furry friends are considered family, finding the perfect pet gift becomes a delightful mission for pet parents. Whether it's a birthday celebration, a holiday treat or just a way to express your love, the market is brimming with innovative and thoughtful gifts for our beloved companions. Let's explore the top picks for the best pet gifts that will surely bring joy to both pets and their owners.

Interactive Toys for Mental Stimulation

Pets, especially dogs and cats, thrive on mental stimulation. Interactive toys engage their minds, provide entertainment and can even prevent boredom-related behavioral issues. Look for toys that dispense treats as a reward, such as puzzle feeders or treat-dispensing balls. These toys not only entertain but also encourage problem-solving skills, keeping your pet sharp and happy.

Personalized Pet Accessories

Show your pet how much you care with personalized accessories. From engraved collars to custom-made feeding bowls, there's a wide array of options to choose from. These unique gifts add a personal touch and can be a constant reminder of the special bond you share with your furry friend.

Luxurious Pet Beds

Every pet deserves a cozy and comfortable place to rest. Upgrade your pet's sleeping quarters with a luxurious bed that complements your home decor. Look for orthopedic options for senior pets or those with joint issues, ensuring they get the support they need for a good night's sleep.

Tech-Savvy Pet Gadgets

Embrace the future with tech-savvy pet gadgets designed to enhance the lives of both pets and their owners. Smart pet cameras allow you to check in on your pet when you're away, while automatic feeders ensure they never miss a meal. These gadgets not only provide convenience but also offer peace of mind for pet parents.

Subscription Boxes for Pets

Treat your pet to a monthly surprise with a subscription box tailored to their needs. These boxes often include a variety of toys, treats and accessories curated to keep your pet entertained and happy. It's a delightful way to discover new products and ensure your pet always has something exciting to look forward to.

Gourmet Treats and Chews

Indulge your pet's taste buds with gourmet treats and chews made from high-quality, natural ingredients. From artisanal biscuits to organic jerky, there's a wide range of delectable options to choose from. These treats not only make for a tasty reward but also contribute to your pet's overall well-being.

Fashionable Pet Apparel

Let your pet showcase their personality with fashionable apparel. Whether it's a cozy sweater for chilly days, a stylish bandana, or a playful costume for special occasions, dressing up your pet can be both fun and functional. Just ensure that the clothing is comfortable and doesn't restrict their movement.

Wellness and Grooming Kits

Invest in your pet's health and hygiene with wellness and grooming kits. These can include everything from high-quality shampoos and brushes to dental care products. Regular grooming not only keeps your pet looking and smelling fresh but also contributes to their overall well-being.

In a world where pets bring so much joy and companionship, showering them with thoughtful gifts is a natural expression of love. From interactive toys to personalized accessories, the best pet gifts cater to the diverse needs and preferences of our furry friends. As responsible pet owners, it's our duty to ensure their happiness, health and well-being. So, the next time you're searching for the perfect gift for your pet, consider these options and make your beloved companion's day a little brighter.

GBU & Mothers Against Drunk Driving® (MADD)

Mon, 21 Aug 2023 20:04:31 GMT

Every 2023 issue of The Reporter will provide an update on one of GBU Life’s (GBU) four Community Pillars—Wellness, Education, Charitable Giving and Hometown Hero Support. The summer 2023 issue focuses on “Education,” including opportunities to enrich your community through volunteering and fundraising.

Part 3: GBU & Mothers Against Drunk Driving® (MADD)

New Regional Partnership & New Opportunities for NY, NJ and PA Members

GBU has become a 2023 Contributing Regional Sponsor of MADD NY|NJ|PA!

This expands a long-time relationship between GBU and

MADD in the greater Pittsburgh area. MADD is also a new charity supported through GBU’s One Member at a Time program. To learn more please visit madd.org.

MADD’s mission is to end drunk driving, help fight drugged driving, support the victims of these violent crimes and prevent underage drinking. All funds raised locally stay in New York, New Jersey and Pennsylvania to benefit MADD’s victim services, educational programs, law enforcement support and additional community activities.

GBU’s first corporate team of employees and family members (shown right and below) participated in Walk Like MADD Pittsburgh on May 7, 2023. They joined Team Jim, organized by member Jon Naser, and Team David, organized by member Pam Ondash. Collectively, GBU members raised $4,332, that grew to a total of $8,664 as part of their Give Back Group and GBU’s matched donations.

There are more Walk Like MADD events coming up! Visit walklikemadd.org and consider participating in one of these GBU-sponsored walks:

If you submit your team as a Give Back Group, you can have the funds you raise matched by GBU!

GBU employees donned crazy headgear on MADD Hat Day to increase awareness about the walk, sign up participants and raise some funds!

DonorsChoose®

Mon, 21 Aug 2023 17:00:47 GMT

Part 2: DonorsChoose®

How You Can Support Students and

Classrooms as a GBU Member

As a GBU member, you can contribute to supply needs in your local classrooms, wherever you live, through DonorsChoose.

DonorsChoose is one of the new charities that GBU is supporting through the One Member at a Time program. DonorsChoose enthusiastically describes its mission: “We make it easy for anyone to help a teacher in need, moving us closer to a nation where students in every community have the tools and experiences they need for a great education.”

As a crowdfunding platform, DonorsChoose vets all requests, purchases the supplies and sends them to the teacher once the funds have been raised. Donors receive thank you messages from the teacher.

Visit the DonorsChoose website ( donorschoose.org ), click “Find a classroom to support” and search by topics, teachers, schools and geographic locations.

You might be surprised what a neighborhood teacher may need! We encourage you and your fellow GBU members to donate and help teachers and students in your community!

Pictures courtesy of DonorsChoose.

The Education Partnership

Mon, 21 Aug 2023 14:21:21 GMT

Part 1: The Education Partnership

GBU Supplying Pittsburgh’s Classrooms

GBU first connected with The Education Partnership in Pittsburgh, PA, as part of Cardigan Day 2022. The annual, now national Cardigan Day recognition celebrates kindness and the inspiring work of Pittsburgh native, the late Mr. Fred Rogers. The GBU Home Office held its first school supply drive for the organization in October 2022, and the GBU Foundation awarded a $20,000 grant to The Education Partnership in November of that same year.

The Education Partnership provides school supplies to students and teachers in over 190 schools in the Pittsburgh region, where 70% or more of their students qualify for free or reduced-price lunches through the National School Lunch Program. In those schools, student and classroom supplies often not included in the budget. The Education Partnership purchases, packages and distributes the “basics” and operates a Teacher Resource Center, where teachers shop, once a semester, for donated specialty supplies.

In February of this year, GBU visited the Teacher Resource Center to educate teachers about the GBU Youth Leaders program. In March, a team of GBU employees volunteered to help restock, organize and clean the Teacher Resource Center, sort and count inventory and write encouraging notes to students.

For the 2023-2024 school year, GBU will begin a three-

year sponsorship of Pittsburgh Carmalt PreK-8 through The Education Partnership’s Adopt-A-School program. Pittsburgh Carmalt is a Pittsburgh Public Schools Science and Technology Academy, just miles from the Home Office. Employee volunteers will package supplies this summer and present them to students when they return to school this fall.

(L to r) Josh Whiteside, The Education Partnership Executive Director and Ken Elliott, Jennifer Stockdale, Rachel Cummins and Anna Meek from GBU.

If you are in the Pittsburgh region and would like to

contribute to GBU’s online supply drive, please text

GBUSupply to 41444 or visit gbu.org/supply .

Give More Back to Your Community

Tue, 15 Aug 2023 13:37:00 GMT

With GBU Project Start-Up Funds

GBU members can apply for a $250 reimbursement of funds used for a community project! Team up with fellow GBU members for a reimbursement of up to $1,000 for your project. Here are some ideas of projects you can start in your community. Find out more at gbucares.org/give-back-groups .

Give Back Group Project Spotlight: Egg My Yard for a Cure Fundraiser

Mon, 14 Aug 2023 20:24:00 GMT

“I am extremely passionate about the Cystic Fibrosis Foundation-Western PA Chapter,” Nancy Seifert shared, “because I am the proud grandmother of Lucia and Palmer, two-year-old identical twin girls with the rarest form of Cystic Fibrosis (CF).”

“Upon birth, they were life-flighted to UPMC Children’s Hospital of Pittsburgh, a two-hour drive from home, where they spent their first 104 days in the NICU. They endured several surgeries and had a few close calls. The girls are currently doing well and thriving, but their genetic mutation doesn’t respond to the medications currently available.”

As part of Team CiaPom, Seifert participated in the Give Back Group program for the Egg My Yard for a Cure fundraiser she organized in Johnstown, PA, on April 8, 2023, to raise money for the rare form of CF her granddaughters have. Volunteers hid candy-filled eggs in donors’ yards so their children could wake up to an Easter egg hunt

Several family members and friends came in from out of town. Volunteer "bunnies" filled the eggs with stickers and candy on Friday evening. With seven teams of two people, preparing routes and bagging and tagging eggs, they delivered 2,000 eggs to 36 houses in two hours!

The fundraiser sparked the giving spirit of the community. Several people shared their personal stories of how CF has affected their lives. Local businesses provided donations and matching funds. Seifert and Team CiaPom raised $8,310. The $2,000 GBU Give Back Group match brought the total up to $10,310! “We are grateful for the Give Back Group matching program and are proud to be members of GBU!” Seifert said.

Give Back Groups

VISIT GBUCARES.ORG/GIVE-BACK-GROUPS TO REQUEST APPROVAL FOR YOUR GIVE BACK GROUP.

GBU Foundation Day of Giving

Mon, 14 Aug 2023 19:48:03 GMT

Mark your calendars. Monday, October 23, 2023, will be the GBU Foundation's Inaugural Day of Giving!

The GBU Foundation is celebrating its 60th anniversary in 2023, as October 23, 1963, was GBU's official founding day!

The GBU Foundation will launch a Day of Giving campaign on October 23, 2023, to mark the occasion. ON THAT ONE DAY, we will encourage GBU's 70,000 members throughout the United States to unite and donate to increase the GBU Foundation's impact on their communities. You can support two GBU Foundation programs on the GBU Foundation Day of Giving.

The GBU Foundation Scholarships and Grants Program

Sixty years ago, GBU Life founded the GBU Foundation and its scholarship program to encourage and assist GBU members in furthering their education. GBU believes that education is a crucial tool for success in life and that all members deserve the opportunity to advance their education.

Your generosity will encourage GBU scholars to focus on academics, athletics and other formative activities instead of education costs. You will help GBU members nationwide realize their dreams to become doctors, teachers, architects, lawyers, artists and leaders in other professions in their communities.

The GBU Foundation Community Grants Program

In 2024, the GBU Foundation will launch a new initiative to award significant monetary grants to non-profit organizations enriching their communities in each of GBU's four Community Pillars—Wellness, Education, Charitable Giving and Hometown Hero Support.

When you and other members pool your resources for this program, your generosity will provide deserving community organizations, including those important to you, the opportunity to receive grants that may be larger than GBU's matching funds programs.

How Can I Give?

You will be able to give online or by check for the GBU Foundation Day of Giving. Watch for specific instructions in the next issue of The Reporter as well as in mailings, the GBU Member Community, GBU member emails and social media posts.

When you give $60 or more, you will become a member of the GBU Foundation 60th Anniversary Club and be eligible to receive GBU Foundation 60th Anniversary Club gifts as tokens of appreciation for your generosity. You can find out more about the Anniversary Club by visiting reporter.gbu.org/60th-anniversary-club .

Join the GBU Foundation 60th Anniversary Club

Mon, 14 Aug 2023 19:45:21 GMT

The GBU Foundation is celebrating its 60th anniversary in 2023, and we invite you to join the GBU Foundation 60th Anniversary Club!

When you give $60 or more, you will become a member of the GBU Foundation 60th Anniversary Club and will be eligible to receive special anniversary club gifts as tokens of our appreciation for your generosity.

*Available while supplies last. The GBU Foundation reserves the right to substitute or discontinue items.

Items may vary from images shown. Items are not shown to scale.

Visit gbucares.org to donate or mail your donation to

The GBU Foundation

4254 Saw Mill Run Blvd.

Pittsburgh, PA 15227.

Where Are They Now?

Fri, 11 Aug 2023 13:21:24 GMT

Celebrating 60 years of GBU Foundation Scholars

GBU Foundation was founded in 1963 to encourage and assist members in furthering their education through its scholarship program. In honor of its 60th anniversary, we are celebrating GBU Foundation Scholarship and Grant recipients’ achievements.

Christine van Breukelen

Dayton, OH

GBU District 815 Referral Agent & Fraternal Secretary

District 815–Dayton, OH

GBU Freshman Scholarship, 1970 through 1974

University of Dayton, BS Medical Technology

University of Dayton, MBA

About my GBU Foundation Scholarship:

“It’s so important when others believe in you and encourage your success. The GBU scholarship helped provide that confidence.”

Since I graduated: “I started in medical technology, then medical sales. Serving as the referral agent gave me the flexibility for a career and family. My husband Wilfred and I live in Dayton. Our daughter Celine, also a GBU Scholar, lives in Anchorage.”

Gracie Jablonski

Altoona, PA

Prep, Mission BBQ

District 45-Altoona, PA

GBU Foundation Two-Year Scholarship, 2020

Pittsburgh Technical College Culinary Arts School, Associate Degree, Food Science

About my GBU Foundation Scholarship:

“It helped me succeed in what I needed to use to earn my degree. It paid for my knife kit and books for schooling.”

Theodore Roman

Pittsburgh, PA

Health Insurance Payor Digital Strategy Practice Lead & Engagement Manager, Adobe

District 171-Pittsburgh, PA GBU Foundation Freshman Scholarship, 2007 through 2011

Case Western Reserve University, BS Computer Science & BA Mathematics

Carnegie Mellon University, PhD Computational Biology

About my GBU Foundation Scholarship:

“My GBU scholarship, along with other financial awards, made it possible for me to attend graduate school without the pressure of accumulating student loan debt.”

If you are a GBU Foundation Scholarship or Grant recipient and would like to update us on your career, please fill out our online form. We will publish your information in the “Where Are They Now” posts in The Reporter and social media throughout 2023. Go to gbulife.typeform.com/to/iRwhSrK5 .

Fraternal Adventures Summer 2023

Thu, 10 Aug 2023 20:24:39 GMT

American Fraternal Alliance Spring Symposium

In April, a group of representatives from the GBU Home Office attended the American Fraternal Alliance Spring Symposium near Chicago, IL. GBU presented on Meaningful Member Connections, Fraternal Partnerships, Agent Recruiting and Compliance. The Spring Symposium is always an excellent opportunity to meet with colleagues from other fraternal organizations and exchange ideas.

This year's event featured the first ever Fraternal Swap Shop, where we enjoyed a look at all of the great promo items that each fraternal had to offer!

Focusing on Education

Also in April, Elizabeth Forward High School invited Jennifer Stockdale and Ken Elliott to present the history of GBU and other fraternal organizations to tenth-grade students.

In May and June, GBU awarded community scholarships to students at Brentwood, Baldwin and Elizabeth Forward High Schools for their commitment to academic excellence, leadership and community service.

GBU members and Home Office employees teamed up for a day of volunteering at The Education Partnership, which provides school supplies, STEM equipment and continuing education free of charge to underserved schools in the Pittsburgh area.

At the end of April, GBU hosted Take Your Child to Work Day for the children and grandchildren of Home Office employees. Children learned about teamwork and leadership at GBU and enjoyed a tour, scavenger hunt and "Office Olympics" games. It was great to see another generation of GBU kids getting to know one another!

Legislative Luncheon

Each year, the Pennsylvania Fraternal Alliance hosts the Legislative Luncheon in Harrisburg to give Pennsylvania fraternal organizations an opportunity to connect with State Representatives. Lesley Mann and Jennifer Stockdale attended on behalf of GBU and enjoyed connecting with our elected decision-makers from throughout the state.

2022 District Awards Program Recipients

Thu, 10 Aug 2023 19:16:37 GMT

GBU acknowledges with great pleasure the hard work of the following districts. To achieve a place in the District Awards Program, the district must engage members and encourage community involvement in areas such as Wellness, Education, Charitable Giving and Hometown Hero Support.

Congratulations on a job well done to the 2022 recipients.

Platinum

District 45–Altoona, PA

District 84–Lancaster, PA

District 146–Johnstown, PA

District 171–Pittsburgh, PA

District 291–Summerhill, PA

District 298–Allentown, PA

District 510–Toledo, OH

District 630–Ann Arbor, MI

District 684–Pittsburgh, PA

District 701–Pontiac, MI

District 707–Grand Rapids, MI

District 815–Dayton, OH

District 817–Philadelphia, PA

District 818–Orlando, FL

District 821–Sterling Heights, MI

District 2000–ULS

District 3000–HRFA

District 4000–Sokol USA

Gold

District 536–Lafayette, IN

Silver

District 699–Frankenmuth, MI

Bronze

District 1000–LFA

Districts in Action 2023

Thu, 10 Aug 2023 18:26:41 GMT

Every year, we call upon our GBU districts to select an organization in their local area to support. This is known as the Districts in Action program. The 2023 Districts in Action program helped support a variety of causes, including food banks, burn camps, animal shelters and rehabilitation facilities. We are proud to announce that GBU and its members donated a total of $61,654 to support organizations located in PA, MI, OH, IL, NJ, MN, and AZ .

District 45-Altoona, PA: Allegheny Lutheran Social Ministries' Blair County At Home Program, $2,700 District 146-Johsntown, PA: Mom's House Inc. of Johnstown, $1,820
District 171-Pittsburgh, PA: Brentwood Meals on Wheels, $1,240
District 291-Summerhill, PA: Summerhill Recreation, $1,200
District 510-Toledo, OH: Ohio Grand Chapter Order of Eastern Star's Service Dog Fundraiser, $1,300
District 630-Ann Arbor, MI: The Leukemia Foundation for Arizona Children, $1,558
District 684-Pittsburgh, PA: Baldwin Community United Methodist Church's Lord's Pantry Food Distribution, $3,490
District 699-Frankenmuth, MI: Pet Angel Adoption and Rescue, $1,300
District 701-Pontiac, MI: Deutsch-Amerikanischer Schützenverein, $3,460
District 707-Grand Rapids, MI: Mary Free Bed Foundation, $1,100
District 810-Cleveland, OH: Tapestry Partners International, $5,250
District 815-Dayton, OH: East End Community Services Corporation, $7,030
District 821-Sterling Heights, MI: Carpathia Foundation, $2,680
District 1000-LFA: Camp Concordia, $1,722; Gifts for All God's Children, $1,554; Offering Alternative Therapy with Smiles (O.A.T.S.), $1,722; Seedlings Braille Books for Children, $1,104; Macomb Charitable Foundation, $1,404
District 2000-ULS: Trinity Evangelical Lutheran Church Food Pantry, $1,200; AHEAD, INC., $1,000; Quota International of Massillon, $1,000; First Presbyterian Church of Duquesne, $1,050, Helping Hands Society, $1,300
District 3000-HRFA: First Baptist Church of Allentown, $1,400; Elijah's Promise, $1,140; Bethlen Communities, $1,290; Greater Pittsburgh Community Food Bank, $1,630; American Hungarian Friends of Scouting (AHFS), $1,080
District 5000-IOV: Concordia Language Villages, $2,200; Illinois Fire Safety Alliance-Camp “I Am Me”,$1,050; Arthur C. Luf Children’s Burn Camp, $1600; Great Lakes Burn Camp, $1,800

Choose Your Own Adventure Summer

Thu, 10 Aug 2023 15:08:57 GMT

Give Back University (formerly known as the Youth Leaders Program) is a new part of GBU’s commitment to our youth and their education. The best way to help the communities we care about is to help foster a sense of community in our youth. We hope that Give Back University students will grow up to be advocates and strong leaders both for GBU and for the communities they live in.

Summer Gift Enrollments

Whether you are a student or a parent, we understand that during the summertime, schedules can get a little crazy. Kickstart your points earning this summer with our revised GBU Youth Leader Choose Your Own Adventure Summer program. Simply take 3 (or more) virtual courses this summer and earn your annual points for the year.

As a GBU Youth Leader, you will receive three free gift enrollments that can be used for any preselected virtual Outschool course this summer. Choose a time and day that works best for your summer schedule. Summer is supposed to be a break, right? We feel the same, so we picked courses that are fun, light, and engaging.

If you're not signed up yet, now is the time.

Register at inside.gbu.org/give-back-u

Optimity Around the World

Wed, 09 Aug 2023 20:58:14 GMT

SUMMER TRAIL CHALLENGES

PART 2

Join GBU Life on an epic trek across the seven continents while earning milestones and competition gems along the way. The duration for each challenge (continent you hike) is uniquely based on the average length of time it would take to hike each trail.

Not an Optimity user yet? Sign up at inside.gbu.org/optimity .

Europe's Fimmvörðuháls Trail

Trail in Iceland spans 15.5 miles (25 km) and takes hikers through stunning landscapes, including lava fields, glaciers, valleys and waterfalls.

Asia's Mount Fuji

Take on the challenge of climbing Japan's highest mountain, Mount Fuji, at 12,389 feet

(3,775 m)! Join thousands of hikers each year to witness the stunning sunrise from the summit. Complete the three-day, eight-mile (13 km) trail and earn gems at each milestone, plus a bonus for completing the climb!

South America's Machu Picchu

Take on the famous 27-mile (43 km) Inca Trail to Machu Picchu in South America's Peru. Imagine the stunning views of the Andes, archaeological sites and the iconic ruins. Put yourself to the test; complete the eight-day challenge and earn milestones along the way!

North America's Grand Canyon

The Grand Canyon Rim-to-Rim trail is a 23.5-mile (38 km) trek from the North to South Rim in Arizona. The trail offers breathtaking views of the canyon and requires high fitness levels due to steep terrains and extreme temperatures. If you're ready to take on the conditions of this challenge, give it a go for seven days and earn bonus gems!

Antarctica's Observation Loop Trail

The Observation Hill Loop trail is a scenic, 2.5-mile (4 km) trail loop in Ross Island, Antarctica. Hike to the top of Observation Hill for stunning panoramic views of the area,

including Mount Erebus and McMurdo Sound. Try this chilly, one-day challenge and earn

bonus gems!

Australia's Thorsborne Trail

Hinchinbrook Island in Queensland, Australia, is a rugged paradise for outdoor enthusiasts. The 18.5-mile (30 km) Thorsborne trail offers breathtaking coastal views, dense rainforests and pristine beaches. Take on the challenge for six days and earn bonus gems!

Africa's Otter Trail

The Otter Trail in South Africa is a spectacular, nine-day, 28-mile (45 km) hike along the Garden Route coastline. This challenging trail winds through forests, cliffs and beaches, offering breathtaking views of the Indian Ocean. Take on the Otter Trail and earn bonus gems once you complete the challenge!

Gift cards will be issued to everyone who completed the Summer Trail Challenges Part One once the last challenge (Africa's Otter Trail) wraps up in July.

Five Calming Facts About Summer

Wed, 09 Aug 2023 16:03:49 GMT

Summertime is here. Now that we’re past the cold weather and on to more aesthetically pleasing blue skies and green grass, here are 5 calming facts about summer to help you feel relaxed .

The sun’s rays are strongest between 10 a.m. and 4 p.m. Sunburns and various health concerns are always anxiety inducing, especially in the summer months. This fact can provide some peace of mind that, of course, real sun-protecting efforts should be made all-the-time, but especially during this time.

The sun produces Vitamin D and serotonin. Sunlight helps your body get Vitamin D. It also gives you a “feel-good” chemical in the brain called serotonin, giving you more reason to incorporate daily outside activity to soak up those rays.

Leaves are the greenest in the summer. Who doesn’t like an aesthetically pleasing green? By surrounding yourself with vibrant light and the color of life, you can really put your mind at ease and be inspired with the joy of living.

Trees save energy when it gets too hot. When it gets too hot, trees grow slower to conserve energy. Give yourself grace and make sure you also conserve your energy for what matters most, especially in the hot summer months.

Acidic drinks help you feel hydrated. When feeling dehydrated, nothing hydrates quite like water. People also love lemonade and citrus-flavored drinks as they make your mouth create more saliva and help you feel hydrated. For strong mental health, however, it’s not only important to feel hydrated, but also to be hydrated.

We hope you enjoy these calming facts about summer. It’s our hope they can help you enjoy the wonders that come with summer. If you or someone you know is experiencing a mental health crisis, contact the Suicide & Crisis Lifeline by dialing “988” or the Crisis Text Line by texting “HOME” to 741741 .

Outdoor Living

Mon, 07 Aug 2023 15:32:55 GMT

Tips to Try

With summer upon us and the weather warming up, is your outdoor space ready to enjoy? We have a few quick and easy tips to upgrade your patio and backyard!

1. Versatility

Whether you’re a renter making a space of your own, or a family with kids looking to convert your daytime play space into an outdoor movie theater, versatility is important when designing an outdoor area. A great option to refresh your patio with versatility and no commitment is the RUNNEN clicklock Decking from IKEA®. It’s an easy and affordable way to make your space look like new! Plus, they have a wide array of color options to best suit your style and it’s durable for your kids and pets.

What makes a space most versatile is the ability to transform its purpose in minutes. A great way to entertain your family and friends in a fun, new way is to have a movie night outdoors! What’s the easiest way to do that? Use a projector screen that folds flat and takes up minimal storage space.

PHOPIK Projector Screen with Stand, $69.99, 120 inch, Amazon.com

RUNNEN Decking, $39.99/9 sq feet, IKEA.com

2. AMBIENCE

Creating ambience is an essential part of outdoor living. It’s the subtle glow of the string lights hanging above your outdoor sofa and the warmth coming off the fire pit at your feet. It’s what keeps your night memorable and gives a feeling of coziness to your patio. An outdoor space isn’t complete without a good set of string lights. With the option of different bulb shapes and colors, the possibilities are endless.

Outdoor Drop String Lights -Smith & Hawken, $28.00, Target.com

Stamped Steel Wicker Propane Fire Pit -Threshold™, $210.00, Target.com

If your space can accommodate a firepit, then it’s a must add for your deck or patio. It gives your family and friends a place to gather and creates a focal point for your backyard. Have kids with a sweet tooth? Check out the s’mores fire pit from Target for an easy way to make a sweet treat.

S'mores Basic Fire Pit - Terra Flame, $49.99, Target.com

3. COMFORT

SOLIG Net, $19.99, IKEA.com

One of the best parts of finalizing your outdoor space is selecting your favorite outdoor furniture and accessories. Opt for maximum comfort and don’t be afraid to bring some personality into the pieces you select. There’s no wrong decision if you decide to add a splash of color or keep things neutral with your textiles. For optimal comfort, don’t forget to add a canopy to protect you from mosquitos and other insects while you’re lounging outdoors. Creating a comfortable living space on your deck or patio will only entice you and your family to spend more time outdoors.

Stripe Outdoor Pillow, $64.95, Crate & Barrel

Summer Fitness Fun Ideas

Mon, 07 Aug 2023 14:07:49 GMT

Easy Grilling Recipes That Are Perfect for Summertime

Mon, 31 Jul 2023 18:43:30 GMT

EASY GRILLED CORN WITH CHIPOTLE-LIME BUTTER GRILLED CHICKEN RANCH BURGERS BANANAS FOSTER ON THE GRILL

Customer Service Corner

Mon, 31 Jul 2023 17:28:05 GMT

Did you know that GBU can accept online bill payments made through your bank? This is an efficient way to transmit payments/deposits into your GBU account.

Check with your bank to see if it offers this feature. It is usually free, is typically available at all hours and can be accessed from your bank’s website or mobile app. This is a convenient approach to managing funds you direct to GBU Financial Life. Here are some of the many benefits to using your bank’s online bill pay feature.

Online Bill Pay Is Better for the Environment

One of the biggest benefits of paying bills online is eliminating paper waste. Paying your bills online reduces the number of of paper checks being mailed. Online bill pay also eliminates the costs of postage and envelopes.

Bill Pay Is Secure

Bill paying through your bank is much safer than mailing a check and greatly reduces the risk of identity theft. Established banks use top-tier security protocols to keep your transactions secure.

Online Bill Pay Is Convenient

You probably already pay other bills online through your bank. Simply add GBU to the list of online payments. Many banks have an option of pre-scheduling payments on their due date or another day of your choosing. After scheduling a payment, the banking institution will either send your payment to us electronically or send us a secure paper check.

Bill Pay Saves You Time

Once you have the electronic bill payment service set up in online

or mobile banking, it takes just minutes to pay your bills. If you use the automatic bill pay feature, you’ll save even more time. When you sign up, be sure to include your GBU policy number, so we apply the funds to the correct account. Also, online bill pay typically speeds up the time for the payment to be posted to your policy.

If your bank does not offer online bill payments, you still have options for sending your money securely to GBU. With our bank draft authorization, you can request that GBU withdraw your payment from your checking or savings account on the day of your choosing. You can locate the Bank Draft Authorization Form at inside.gbu.org/forms .

Life Insurance Facts to Keep in Your Back Pocket

Mon, 31 Jul 2023 15:54:13 GMT

Sixty-nine percent of life insurance owners say they feel financially secure compared to 49 percent of non-owners.

People say money is the top reason for not getting life insurance, but more than half overestimate its cost by 3X or more.

Half of Millennials and Gen Z adults say they need life insurance — or more of it.

Twenty-three percent of consumers say they haven't purchased life insurance because they are unsure of how much to buy or what type to get.

Source: 2023 Insurance Barometer Study, Life Happens and LIMRA

In Memoriam: January-May 2023

Mon, 31 Jul 2023 14:06:45 GMT

A tribute to members we have lost.

Death Claims Paid Out: January–May 2023

GBU extends its sincerest sympathies to the bereaved families of its deceased members.

Music to Study By

Thu, 27 Jul 2023 16:02:36 GMT

Whether it’s spinning the latest single by Coldplay on vinyl or hearing a collaboration between Calvin Harris and Ellie Goulding on a “New Music Friday” on Spotify, music is a form of escapism for many who enjoy it. But there is a lot of noise coming through our AirPods that can take us away from the daily responsibilities of our lives.

As a musician, I experience this daily. I simply cannot concentrate with certain music playing. My focus goes from working to following the heartbeat of the drum, the funky grooves of the rhythm section (bass and drums) and the deeper interconnections between myself and the vocalist sharing their poetry. I sought to find music that encourages conversations and does not distract from tasks like cramming for an exam.

According to brainresearch.us , music at 60 beats per minute (bpm) is the best for focusing and retaining new information. Research suggests it stimulates learning and induces a state of relaxation where the mind is calm but alert.

Here is a playlist GBU and I sponsored that features popular artists’ songs around the 60- bpm mark: “Top 20 Songs to Study By.”

I hope you enjoy!

Timtmmusic is an electro-pop artist from Pittsburgh, PA. Reviewers call Timtmmusic “a vibrant blend of ‘80s new wave and synth pop with a gothic nature to it.” Active since 2011, Timtmmusic has written and released dozens of songs, citing artists like Depeche Mode, Pet Shop Boys, Breathe Carolina and CHVRCHES as inspiration. Listen to Timtmmusic on Spotify and other streaming platforms everywhere.

* 60 bpm according to bpmdatabase.com .

Trendy School Supplies

Wed, 26 Jul 2023 19:37:44 GMT

Start the new school year off on the right foot with these trendy school supplies!

How to Make Friends When You're New

Wed, 26 Jul 2023 18:32:56 GMT

We’ve all been there. Being the new kid or even working the first day at a new job. While it may seem like everyone else is on Season 5 of a TV show and you’re a new character, here are a few ways to help you quickly adapt and appeal to everyone’s good nature.

Five ways to make friends when you’re new:

Be kind. Kindness is never short in demand. A little bit of grace goes a long way, especially from the new person.
Be receptive. Being new has its challenges. You may receive projects you’re not thrilled about. Receive assignments, asks and feedback well, and be mindful that your coworkers (or classmates) made it this far before you joined them. Always be ready to learn.
Listen. We all have things we want to say, but for the first few weeks of being new, it’s okay if you’re not leading the conversation. Be present and engaging, but also listen. Listening is a sure-fire way to get to know your colleagues and peers and how they like to communicate.
Be eager. Along the lines of being receptive, show up enthusiastically for every ask (within reason). This helps show your colleagues and peers that you’re here to help.
Be present . In the example of starting new at a company, you know the team is going to head out for team lunches as a group. You can’t make a good first impression if you’re keeping to yourself. Get out, explore and learn about your new colleagues.

No one likes being the new kid, but it’s our hope that these hints help lessen this embarrassing time.

How to Build an Epic Sandcastle

Wed, 26 Jul 2023 16:17:12 GMT

TOOL LIST

Shovel or spade
Large bucket

Spatula
Paintbrush

Make a giant mountain of sand. Find a level spot near the water but not close enough that the tide will wash it away. Use your shovel or spade to move the sand into a giant heap.

Add water. In order to build a strong sandcastle, the sand must have a cement-like texture. Turn your mountain into a volcano by digging a hole at the very top and pouring water into the hole. The water will seep down into the structure.

Pack it tight. Once the water has seeped down through the structure, press the structure to pack it tight. Level off the top so the structure looks like a flat base.

Start adding towers. Take a wet scoop of sand and add it to your flat base. Shape the tower structure with your hands and pack it tightly. Repeat for more towers.

Shape, perfect and decorate. Once you are done creating the shape of the actual structure, start ironing out the details. Use a spatula to imprint the sand with the look of rooflines. Smooth out all edges and add pretty seashells or even some seaweed to give a nautical look to your castle.

The Whys of Recent U.S. Bank Failures

Wed, 26 Jul 2023 13:29:40 GMT

There’s a saying that, "being a banker is like being a pilot of an aircraft—it's years of boredom and seconds of terror." It seems that every few years, the often-quiet banking sector encounters troubles, either self-inflicted or from economic stresses that upend the business model. Between 2007 and 2008, banks experienced their greatest stress since the Great Depression. With bank lending in the real estate sector at the forefront of the collapse, regulators took noted potential flaws in the overall banking model. Lending practices had become too lax, and reserve requirements were not monitored to the extent they needed to be given the exponential growth that had led up to collapse.

After 2008 the government put in place a series of protocols to oversee the banking sector and set new standards for capital requirements. Banks are required to “stress test” periodically to ensure that the worst-case scenario would not compromise the system's integrity. However, even with these regulations, 2023 still managed to bring headlines of multiple banks seeming to “fail.” Of the three largest bank failures in history, two occurred this year, despite these new regulations. To understand why the sector remains challenged, we will dig into some pitfalls of the U.S. banking model and the potential risks they present to an individual investor.

Why Do Banks Fail?

Before we delve into why banks fail, we have to touch on two topics. The first is the “fractional banking system.” Regulators require that only a small portion of investor deposits to be available for customer withdrawals. The reasoning is that it is highly unlikely that a significant portion of customers will ask for a return on their deposits at the same time. The balance, after the fractional reserve is put aside, is invested in the markets as either income-generating assets on the books (i.e., bonds) or loans to clients of the bank.

The second topic is the “regional banking model” which is unique to the U.S. banking system. Most countries operate with a handful of “money center” banks, which are global and have a certain level of government oversight. The relatively small number allows for easier, more streamlined reviews. Missteps are often found quickly, and actions by governments can be implemented far more easily given how few participants exist. This scenario was proven this year, when the Swiss government swiftly orchestrated a merger of UBS Bank (UBS) and Credit Suisse (CS), when the latter incurred losses that caused it to almost collapse.

Currently, more than 4,800 banks operate in the US, usually in geographic regions. This model allows for banks in the US to cater to their clients better, focusing on the needs of the region and those customers they lend to. For example, banks in Texas tend to have more exposure to oil and gas, while banks on the West Coast have more exposure to technology and real estate. Although in theory the model works, it leaves many of these institutions uniquely susceptible to the ebbs and flows of the economies in which they operate. It is not uncommon to see a regional bank thrive, while one in a different region struggles. This factor, and the simple fact that so many more banks operate in the US, is why inevitably some will run into trouble over time.

The simple answer to why banks fail is insolvency. Essentially, their obligations to their depositors cannot be fulfilled with the assets the banks have on their books. The reasons that can happen are too many to list, but we can focus on a few. In 2008, banks incurred steep losses from making loans to customers who could not fulfill their obligation to re-pay their loans. In a perfect storm of chaos, these loans were packaged and sold to other institutions, which took similar losses, creating a scramble for liquidity in multiple markets. Insurance companies and pension funds, which would otherwise rely on bank funding to finance their losses, had nowhere to turn.

Although the 2008 crisis is regarded as far more significant than the 2023 crisis, only one meaningful bank, Washington Mutual (WAMU), failed during that time. In 2008, WAMU lost $17 billion in investor deposits in nine days. Silicon Valley Bank (SVB), which failed in 2023, lost $42 billion in deposits in just four hours. The speed at which money can move with technology is now a significant concern for regulators which want to stem the hemorrhaging outflows of troubled banks. In the case of SVB, the best solution was for the government to take over the bank and to freeze investor withdrawals so they could sort out the damage before the deposits were completely depleted. The recent troubles in the banking sector stem from a much different phenomenon and are magnified by technology and social media platforms that spread news in real time.

Unlike the “bad loans” of 2008, the recent rate hikes by the Federal Reserve (Fed) Bank have greatly de-valued many of the investments that banks made in the years leading up to this rise. Many see this as an unintended consequence of the Fed tightening the economy to slow inflation. We often talk about “time value of money” and how the ability to borrow short and invest long is the driving principle for a bank to profit. What we are seeing now is that many banks have these long-dated “held-to-maturity” investments they own, losing significant value in a rising rate economy. Their depositors, who have caught wind of their unrealized losses, are quickly withdrawing their funds, fearing an inability to recover them, causing a proverbial “run for the nearest exits." Once confidence is lost in an institution, it becomes extremely difficult to "plug the hole." A bank losing deposits is akin to a ship taking on water. It will eventually sink under the weight of its creditors (depositors).

Is My Money Safe?

The Federal Deposit Insurance Corporation (FDIC) is the primary backstop for all U.S. banking deposits. The FDIC insures up to $250k of funds deposited in a bank. Although this insurance is explicit, the Treasury secretary has implicitly backstopped the deposits of all banks as a temporary measure to avoid further withdrawals at smaller, less capitalized institutions. The rhetoric implies that deposits of more than $250k will also have the support (not guarantee) of the U.S. government for the time being.

As we mentioned previously, regulations have been put in place to monitor the “health” of banks in the US, and, for the most part, until recently, bank failures have been well contained. Banks are offered the support of the Federal Home Loan Bank (FHLB), often regarded as the “bank of banks.” Qualified financial institutions (including GBU Life) are offered the lending capacity of FHLB, which allows them to borrow cash in exchange for the assets they hold on their books. The government can make changes to the rules here, allowing these institutions to borrow more or less at higher or lower rates, as they see fit. Because of the recent concerns, FHLB has greatly relaxed lending requirements, allowing borrowing of 100% of the value of all government securities, although they are priced lower.

FHLB liquidity programs alone should make every bank in the U.S. temporarily solvent, as for all intents and purposes, the U.S. government is willing to loan unlimited funds in the short term to cover withdrawals. What the government will do in the long term remains to be seen, but most analysts believe banks will be subject to more regulation and scrutiny going forward. Much like the 2008 financial crisis, lessons will be learned and built upon to ensure that the system functions properly.

Will More Banks Fail?

The answer is, without question, yes. Even during the best economic conditions, small regional banks have failed without any headlines. We mentioned that regional banks will always incur problems, whether lending to an industry that is struggling or to a demographic that is under economic pressure (e.g., employees in tech). The U.S. government has an excellent history of protecting depositor assets. Any breach of customer asset coverage would undermine the banking sector, and the government has proven that it will take any steps necessary to avoid that. The rules they put in place are working, as the contagion of bank problems seems contained to only a handful of smaller regional banks. In addition, we have seen several cases in which government assistance prevented further contagion.

The current overall reserves in the banking system total about $55.5 billion, a staggering amount, and the case can be made that U.S. banks overall are better capitalized now than ever. As stated, aside from the reserves, FHLB continues to monitor lending, essentially backstopping most runs on withdrawals by providing liquidity to the system. In the worst-case scenario of a failure, as in the cases we have seen recently, the government has multiple options to work with. The government can take over a bank as they did with SVB, eventually selling pieces to other banking institutions. They can also pair it up with a much more stable money center bank, as we saw with J.P. Morgan and First Republic Bank, before the problems become too dire. In either event, depositors are prioritized, and the banking industry will continue to move forward, likely with more government oversight and new regulations.

GBU Life is the marketing name for GBU Financial Life. No statement contained herein shall constitute tax, legal or investment advice. You should consult with a legal or tax professional for any such matters.

By Frank DiLeo

GBU Life Investment Portfolio Manager

My Summer Vacation Photo Contest

Tue, 25 Jul 2023 18:47:02 GMT

2023 Photo Contest

Send us your favorite photo that depicts the photo contest theme, My Summer Vacation! Your picture entry may be anything from a road trip, a cookout with friends or a sleepover at your grandparents' house. Anything you deem as your summer vacation! You get the “picture.” We look forward to receiving an entry from you!

Rules

Contest is for GBU members of all ages.
Black-and-white or color prints are acceptable.
Photos must be submitted as taken. (This means no touch ups or cutting off parts of the picture.) Photos can be enlarged to any size not exceeding 5” X 7”.
Do not write on photo’s front or back (you can ruin your photo this way). Include a separate note stating, " My Summer Vacation Photo Contest Entry ," plus your full name, address and email.
A maximum of two photographs may be submitted per GBU member. No entrant can qualify for more than one award per contest.
Photos must be submitted by Wednesday, August 16, 2023 Saturday, September 16, 2023 .

How to Enter

Send your photo(s) to one of the following.

Email contest@gbu.org with " My Summer Vacation Photo Contest Entry " in the subject line.
Include the member's full name, address and email in the body of the email, or

Mail to GBU Financial Life, ATTN: Member Benefits, 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227-3394.

Include the member's full name, address and email with a note in the envelope.

Prizes

General Information

Judges reserve the right to accept or reject any or all entries. Their decisions will be final. Processed print photo(s) will be handled at the GBU Home Office with the utmost care and will be returned. GBU reserves the right to reproduce entries for whatever use it wishes, providing proper credit is given. Permission does not include the sale of such photos.

Trend Alert

Fri, 21 Jul 2023 15:35:58 GMT

What new fashion trends to look for this upcoming semester.

Are New Balances the new Nike® Air Forces? Spotted on many celebrities and influencers, the classic "dad" shoe might just be the next "must have" shoe.

IMAGE SOURCE TEEN VOGUE

IMAGE SOURCE

CDND.LYSTIT

"Streetwear" has become a popular term over recent years. It is used to describe everyday, "higher end" or edge style. For this upcoming fall, streetwear seems to be taking a turn to a more business-inspired look. Recent runways show trousers and slouchy button-ups being the next style inspiration.

IMAGE SOURCE ELLE™ MAGAZINE

Courtesy of Victor Virgile

IMAGE SOURCE W MAGAZINE

Courtesy of Tory Burch®

Outerwear will continue to be a fall and winter "must have" statement piece. Seen in the recent designer fall 2023 lines from Gucci®, Fendi®, Burberry® and more, bold outerwear will continue to shine these upcoming seasons.

IMAGE SOURCE W MAGAZINE

Far Left Courtesy of Burberry®

Middle Courtesy of Gucci®

Far Right Courtesy of Fendi®

How to Save Money on Your Next Vacation

Wed, 19 Jul 2023 01:07:54 GMT

Practical tips and tricks on how to save money on your next vacation.

Planning a vacation is an exciting endeavor, but it can also be a budget-busting experience if not approached wisely. The good news is that with some strategic planning and a bit of creativity, you can have an amazing getaway without breaking the bank. Here are practical tips and tricks on how to save money on your next vacation, allowing you to make the most of your travel budget.

Set a Realistic Budget

Before you start planning your vacation, take the time to establish a realistic budget. Consider all aspects of your trip, including transportation, accommodation, meals, activities and even souvenirs. Having a clear understanding of your financial boundaries will help you make informed decisions throughout the planning process.

Travel Off-peak

Choosing to travel during off-peak seasons can result in significant savings. Flights and accommodations are often more affordable when the demand is lower. Additionally, you'll likely encounter fewer crowds, allowing you to enjoy popular tourist destinations without the hassle of long lines and overcrowded attractions.

Be Flexible With Dates

If your schedule permits, be flexible with your travel dates. Airlines and hotels often offer lower prices on certain days of the week or during specific times of the month. Use flexible date search options when booking flights and accommodations to identify the most cost-effective options.

Consider Alternative Accommodations

While hotels are a popular choice, consider alternative accommodations such as vacation rentals, hostels or guesthouses. Websites like Airbnb, Vrbo and Booking.com offer a variety of affordable options that can provide a unique and local experience. Plus, many alternative accommodations come with kitchen facilities, allowing you to save money on dining expenses by preparing some meals yourself.

Plan Meals Strategically

Eating out for every meal can quickly add up, so plan your meals strategically. Opt for an accommodation with a kitchen to prepare simple breakfasts and lunches. Explore local markets for fresh and affordable ingredients, immersing yourself in the culture while saving money. When dining out, choose local eateries over touristy restaurants for more budget-friendly options.

Consider Using Public Transportation

Renting a car can be convenient, but it also comes with additional expenses like gas, parking and rental fees. Instead, use public transportation, which is often more affordable and allows you to experience the destination like a local. Many cities have efficient and cost-effective public transportation systems, including buses and trains.

Research Free Activities

Explore the destination's natural beauty and cultural offerings without spending a dime. Many cities offer free walking tours, museums have specific free entry days and parks provide a cost-effective way to enjoy the outdoors. Take advantage of these opportunities to immerse yourself in the local culture and history without straining your budget.

With careful planning and a dose of creativity, you can save money on your vacation without sacrificing the quality of your experience. By setting a realistic budget, being flexible with your travel dates and exploring alternative options for accommodation, dining and entertainment, you'll be well on your way to enjoying a memorable and budget-friendly getaway. So, pack your bags, follow these tips and get ready to make the most of your next vacation without breaking the bank!

Summer Travel Trivia

Mon, 17 Jul 2023 20:58:06 GMT

How much do you know about travel?

Test your knowledge and answering speed with this season's online game

Monday, July 17-Thursday, August 3, 2023

HERE'S HOW TO PLAY

Log into the GBU Life Member Community at community.gbu.org starting on Monday, July 17, 2023, at 8AM EST, to get the link to the game.
Answer the trivia questions about travel facts. You have two minutes to answer as many questions
as you can. The faster you answer, the more points you score!
Keep an eye on the leaderboard until the end of the game on Thursday, August 3, 2023, at 4PM EST .
The top 10 players on the leaderboard at the end of the game win a $20 Amazon gift card, and all
players will be entered for a chance to win a $250 Amazon gift card via a random drawing.

Only one entry permitted per GBU member. Amazon gift cards will be awarded digitally via email. See official rules posted on the game site prior to game play.

Youth 3 Pay Life Insurance

Wed, 12 Jul 2023 13:40:32 GMT

Start Their Dreams Here

Start your children on the road to financial success with a GBU Life membership. GBU Life's Youth 3 Pay Life insurance is permanent life insurance that offers a lifetime of coverage for just three annual payments.

Your child becomes a GBU Life member and remains a member as long as the policy is active. GBU Life membership means your child will be part of of the fifth largest member-owned organization in the country. GBU Life members have access to special members-only discounts, events and contests as well as education, volunteer, scholarship and grant opportunities.

Click the button below to download and learn more about the Youth 3 Pay Life Insurance that GBU offers.

GBU Life Youth 3 Pay Life insurance is underwritten by GBU Financial Life using form ICC19-Y3PayAPP in CT, IL, IN, MD, MI, MN, MO, NJ, OH, PA, WV, WI and form FL20-Y3PayAPP in FL. Dividends are not guaranteed. A parent or legal guardian must sign the application. If the policy is to be owned by someone other than the parent or legal guardian, the parent or legal guardian must also sign the application. Riders are optional and have additional fees associated with them.

My Summer Vacation Coloring Contest

Thu, 01 Jun 2023 20:31:11 GMT

FOR GBU MEMBERS THREE TO NINE YEARS OLD

GBU members between the ages of three and nine years old can enter their colored page in this year's contest themed: My Summer Vacation .

Three age categories will be judged:

Category I: Ages three and four

Category II: Ages five and six

Category III: Ages seven, eight and nine

Entrants may use crayons, colored pencils, markers or water paints. Entries will be accepted through Wednesday, August 16, 2023 Saturday, September 16, 2023 , at 11:59 p.m. EST . The picture on the next page can be reproduced, or copies can be obtained by calling the Community Engagement Team at the GBU Home Office ( 800-765-4428 ).

CASH PRIZES FOR EACH CATEGORY

First prize: $75

Second prize: $50

Third prize: $30

HOW TO ENTER

Send the three- to nine-year-old GBU member's coloring contest entry with their name and address on the back of the child's colored page to

GBU Life

ATTN: Member Benefits

4254 Saw Mill Run Boulevard

Pittsburgh, PA 15227-3394

Or email contest@gbu.org with "Coloring Contest Entry" as the subject line.

GENERAL INFORMATION

SEND IN YOUR CHILD'S ENTRY TODAY! HAPPY COLORING!

The 3 Best Gift Ideas for Teachers

Mon, 15 May 2023 13:10:34 GMT

Looking to find the perfect gift for your student's teacher? Check out these sure-to-impress favorites.

GBU Social Membership

Did you know that GBU offers a social membership? For only $25 a year, you can gift members-only discounts for restaurants, stores, entertainment and more! Plus, reimbursement programs and even donation matches for organizations and causes teachers support in their community. Learn more information at gbucares.org/social-membership .

Personalized Stationery

A set of cards or notepads with the teacher's name is always a useful gift.

Coffee Shop Gift Card

Perfect for your coffee, tea or pastry-loving teachers. Tip: don't have time to stop at the store and purchase a gift card? Check to see if their preferred coffee shop has eGift cards that can be sent electronically.

Fresh & Bright Recipes to Try This Spring

Fri, 12 May 2023 14:32:40 GMT

Refreshing pasta and pizza dishes that are perfect for springtime.

Gifts for Moms and Dads

Wed, 10 May 2023 20:51:14 GMT

That They’ll Love (And Use)

Whether you’re shopping for new or seasoned parents, these useful gifts will put a smile on anyone’s face!

AeroGarden

This indoor hydroponic gardening system provides the opportunity to grow herbs, vegetables and more all year round. A great gift for the parent who enjoys fresh herbs with their meals!

Bedside Caddy

A handy organizer that attaches to the bedside for storing books, tablets, remotes and more! It’s ideal for smaller areas that don’t lend space for a nightstand. Tip: depending on the style, these also work for couches.

Tile Tracker

Help Mom or Dad quickly find their easily misplaced items with a Tile tracker. These Bluetooth® trackers locate keys, wallets, phones and more!

Handwritten Tea Towel

Does your family have a special recipe that’s been passed down from generation to generation? Take that sentimental piece of family history and have it embroidered or printed onto a tea towel.

Charging Station

Perfect for someone who has multiple devices. Plus, this gift can benefit the entire family!

Best Graduation Gift Ideas for High School & College

Wed, 12 Apr 2023 00:07:34 GMT

Graduating from high school or college is a significant milestone that deserves celebration.

Choosing the perfect graduation gift can be a daunting task, but fear not! We've curated a list of thoughtful and practical gift ideas that are sure to make any graduate feel appreciated and prepared for the next chapter of their life.

Customized Jewelry

Commemorate the special day with a piece of customized jewelry. Consider a personalized necklace, bracelet or ring engraved with the graduation date, initials or a meaningful quote. This timeless gift will serve as a lasting reminder of their achievements.

Professional Wardrobe Staples

Help the graduate make a seamless transition into the professional world with essential wardrobe pieces. A classic blazer, quality dress shirts or blouses and a stylish pair of shoes can go a long way in building their professional image.

Technology Upgrades

In today's digital age, technology is always a hit. Consider gifting a high-quality laptop, tablet or the latest smartphone to aid them in their studies or work endeavors. These tools will be indispensable as they navigate their post-graduation journey.

Books for Continued Learning

Encourage a love for lifelong learning with a carefully selected book or a collection of books. Choose titles that align with their interests, whether it's fiction, non-fiction or even self-help. A set of inspirational books can be a source of guidance as they embark on new challenges.

Travel Experience

If the graduate has a case of wanderlust, consider gifting them a travel experience. Whether it's a weekend getaway, a cultural immersion trip or a backpacking adventure, the memories created during travel are priceless and will stay with them forever.

Fitness Tracker or Smartwatch

Help the graduate stay on top of their health and wellness goals with a fitness tracker or smartwatch. These devices can monitor activity levels, track workouts and even provide notifications for emails and messages, making them a practical and stylish accessory.

Subscription Services

Monthly subscription services are gifts that keep on giving. Whether it's a streaming service, a magazine subscription or a gourmet food box, these services offer ongoing enjoyment and entertainment long after the graduation ceremony.

Professional Development Courses

Support the graduate's career aspirations by enrolling them in a professional development course or workshop. This could be in the form of online classes, language courses, or workshops related to their field of interest. Investing in continued education is a gift that pays dividends in the long run.

Financial Planning Tools

Equip the graduate with the tools they need to manage their finances wisely. Consider gifting a budgeting app, a book on personal finance or even a consultation with a financial advisor. These resources will help them navigate the world of budgeting, saving, and investing.

Customized Artwork

Add a personal touch to their living space with customized artwork. This could be a commissioned painting, a framed map of a significant location or a personalized photo book capturing their favorite memories from school. A piece of artwork can turn a house into a home and make a thoughtful graduation gift.

The best graduation gifts are those that reflect the graduate's personality, aspirations and the journey they've undertaken. Whether it's a practical item for their next adventure or a sentimental keepsake, the key is to choose something that shows you've put thought into the gift. Celebrate their achievements and wish them well on their future endeavors with a gift that speaks volumes about your appreciation for their hard work and dedication.

Best Easter Basket Gifts

Thu, 06 Apr 2023 17:04:35 GMT

Trying to decide on which goodies to buy for your loved ones’ Easter baskets? Sure, you know the go-to favorites such as Cadbury Creme Egg, Peeps and jellybeans, but what if you’re looking for something other than candy? From toddlers to adults and everyone in between, we’ve got you covered with our list of best Easter basket gifts.

Psst … these are things they’ll actually want (and use)!

Easter Basket Gifts for Toddlers

Toddlers are discovering the world and the joys of Easter. Consider gifting wearable items to enhance their experience for the current or upcoming seasons.

Rain boots
Sidewalk chalk
A swim suit
Water shoes
A hat (perfect for pool weather)

Easter Egg Fillers and Stuffers for Toddlers

Punch balloons or temporary tattoos fit perfectly into a regular-sized plastic Easter egg. If you have larger eggs available, a small container of putty or a little racecar is always exciting!

Easter Basket Gifts for Kids

Warmer weather is on the doorstep; are your children ready to get outside? Enjoy the sunshine with these outdoor-related gifts.

Sunglasses
Diving rings (and you may want to even include a set of goggles to accompany these)
Walkie-talkies
A kids gardening set
Binoculars

Easter Egg Fillers and Stuffers for Kids

Stamps, erasers and stickers are always great ideas. Besides, who doesn’t love stamps?!

Easter Basket Gifts for Tweens

Treat your soon-to-be teenager with some of their favorites.

Paint markers (we hear that these are all the rave)
Tie-dye t-shirt kit
Pajamas
Body wash (featuring their favorite scent)
Microbead pillows

Easter Egg Fillers and Stuffers for Tweens

Backpack pins, colorful shoelaces and iron-on patches are sure to please any tween.

Easter Basket Gifts for Teens

These gifts will put a smile on any teen’s face.

An insulated tumbler
A bedside caddy (to help organize their nighttime routine)
Felt-tip pens
An electric toothbrush
Novelty socks (customized for an extra surprise)

Easter Egg Fillers and Stuffers for Teens

A drawstring bag (for a larger egg), phone cable protector or chewing gum will do the trick.

Easter Basket Gifts for Adults

Why should kids have all the fun?! Go ahead and treat the adult in your life.

Cleaning gel (you know, the slime used to clean the hard-to-reach crevices in your car)
A seasonal candle
Silicone cable straps (for organizing those unwieldy cords)
A small, potted succulent or cactus
Heavy-duty hand cream (because let’s face it, winter weather can be hard on the hands)

Easter Egg Fillers and Stuffers for Adults

Coffee pods, tea bags and single-serve spice packets are great treats.

Move over Easter bunny – show ‘em what you’ve got! What are some of your favorite Easter basket gifts to give or get? Comment below with your ideas.

Give Back Group Project Spotlight: Spring Field Township Christmas Light-Up

Tue, 04 Apr 2023 15:36:44 GMT

Ken Firestone, GBU member and founder of Firestone Insurance Agency in Normalville, PA, organized a Give Back Group for the fourth annual Springfield Township Christmas Light-Up fund drive. The drive was held to benefit the Normalville Volunteer Fire Department and Springfield Township Volunteer Hose Company in Mill Run, PA.

The Give Back Group had a shaky start with their collection buckets, but then they made phone calls and sent emails to township residents and businesses. Once the local community learned that the fundraiser could get a $5,000 GBU Give Back Group match, the drive took off.

In addition to Ken, GBU members Donna Firestone, Douglas Brooks, Timothy Hall, George Nicksich and Charles Shaffer were part of the Give Back Group, making the project eligible for a match of up to $5,000. They helped raise

$6,000.67, so they secured the $5,000 match!

The total raised was divided between the two fire departments. “With GBU's match, we will have raised $11,000!” Ken shared. “I would count that as a great impact for a small, rural township.”

Give Back Groups

If you are working to raise funds for an organization that impacts your local community, GBU will match the funds your group raised up to$1,000 per GBU member to a maximum of $5,000 per group. Fundraising can be organized in any way preferred: in person, through a mail campaign or even via Facebook. The funds matching must be for a qualifying 501(c)(3) organization that impacts your local community. The organization must have a listing on Charity Navigator.

VISIT GBUCARES.ORG/GIVE-BACK-GROUPS TO REQUEST APPROVAL FOR YOUR GIVE BACK GROUP.

Fraternal Heritage

Tue, 04 Apr 2023 15:26:50 GMT

Fraternal organizations have been an important part of American culture since the early 19th century. Fraternal organizations originated as mutual aid societies, established to provide members with financial and social support in times of need. These organizations were often founded on the basis of shared trade, craft or cultural, ethnic or religious backgrounds. Many of them evolved into powerful institutions with a significant influence on American life.

In the early 1800s, fraternal organizations such as the Freemasons, Odd Fellows and Knights of Pythias began to emerge in the United States. These organizations provided members with social, financial and educational opportunities, as well as a sense of belonging and community. As the 19th century progressed, fraternal organizations expanded their reach and influence. Some of the more popular fraternal organizations of this period included the Ancient Order of United Workmen, the Independent Order of Foresters, the Improved Order of Red Men and the Knights of Columbus.

What is a Fraternal Organization?

For an organization to be classified as a 501(c)(8) tax-exempt fraternal society by the IRS, it must:

have a fraternal purpose
operate under a lodge system
provide for the payment of life, sick, accident or other benefits

The original common bond of GBU members was their German heritage. Membership expansion and mergers have advanced GBU's common bond to be community service.

GBU's Fraternal Story

In the late 1800s, German immigrant and business leader Louis Volz met with a group of fellow German businessmen and craftsmen at a law office on Diamond Street in Pittsburgh, PA. This group, which included August Wedemeyer, Lous Thurman, Henry Graf and Julius Eicher set out to develop a new type of fraternal benefit society to provide affordable financial protection against unemployment, injury and death to German-American working men and women. At the time, secret societies had long been an object of scorn among religious German-Americans due to their pageantry and exclusive nature. The group published the purpose and goals of this new organization, the English name for which was the German Beneficial Union (GBU) in the first issue of the Union Reporter, establishing GBU as a benefit union that would be open to all.

During this period in the United States, commercial life insurance carriers were not yet seen as trustworthy, government benefits such as unemployment and social security were non-existent, and employers were not widely offering the short-term disability benefits available today. GBU’s first product, a mutual benefit plan called Class A, checked many of those boxes, offering sickness, accident and death benefits while also functioning as a savings certificate. After 10 years of paying premiums, the member received a paid-up policy including 6 percent interest. The Class A plan proved to be just what members needed at the time and helped to grow GBU membership in the coming years. While GBU’s original Class A plan was a sought after and needed product, both commercial insurance carriers and the government changed over time to also develop protection for many of these same cases.

Throughout the next century, GBU grew, developed and changed with the times. The organization’s ability to be nimble allowed GBU to become the strong and successful organization we know today. GBU continues to live out the original intent of its founders by remaining an open and inclusive society, meeting member needs and maintaining financial strength for the good of future generations. GBU’s success over the long term had to do with two factors: its open membership policy and its ability to develop and change products based on member needs.

As German immigration to the US began to decline, GBU began serving more second- and third-generation German-American families, which by that time had simply become American families. The founders' original German roots attracted many German immigrants to the society because the society’s publication and meetings were made available in both German and English. As these German families blended into the melting pot that is the United States, GBU adapted as well and welcomed members of all ethnicities to preserve membership growth. Today, GBU is still welcoming a wide range of members. GBU has become a “home” of sorts for a variety of other fraternal organizations seeking to maintain the social aspect of their societies without the complexities of maintaining financial products. Over the past two decades, GBU has welcomed members of Lutheran Fraternities of America (LFA), United Lutheran Society (ULS), Hungarian Reformed Federation of America (HRFA), Slovak Gymnastic Union Sokol of the USA (Sokol USA), Independent Order of Vikings (IOV) and Baptist Life Association to become part of GBU. We foresee that GBU's strength will allow us to blend many more fraternal families into our membership in the future.

Of course, membership in a fraternal benefit society is difficult to grow without the benefit part. GBU’s original Class A product transformed as more types of financial protection were being offered by both the government and trade unions. The need for unemployment benefits and short-term disability payments from such a plan decreased as these benefits became available from other sources. By the mid-twentieth century, many Americans who were members of fraternal societies owned a combination of commercial- and fraternal-issued life insurance policies and in fact, usually maintained multiple fraternal organization memberships by owning small policies issued by each. This strategy allowed for a variety of social activities as well as benefits protection should any one fraternal or commercial carrier fail. Today, many fraternal benefit societies, including GBU, help meet members' financial protection needs with life insurance focusing on whole life and term life insurance products, as well as helping with retirement income needs by offering annuities. GBU continues to evolve these products as consumer needs change and become more complex. GBU's financial strength means that consumers can remain confident in GBU products and its ability to deliver promised payouts.

The Future of Fraternalism

Throughout the history of GBU, the role of the Home Office or national leadership has played a changing role in the direction of membership. In the early years of the organization, the national leadership played a strong role in organizing social activities as the organization was built-up and became established. As more districts formed and spread further from the epicenter of Pittsburgh, fraternal activity fell to the individual districts. Localized districts were needed so that members would have a convenient place to pay insurance premiums and enjoy social activities as travel outside the community was not as easy as it is today. As travel became easier, mail service became more reliable and families discovered competing social priorities, member activity slowed down. This caused many of the smaller, localized GBU districts to consolidate with nearby districts. In 1976, GBU brought the function of premium collection into the Home Office with a centralized billing system. Advantages to this system were that it made GBU competitive with the commercial industry and put less work on district fraternal secretaries. At that time, payment of premiums was still one of the main reasons for members to attend district meetings. Many districts were concerned that attendance would decline if members no longer needed to attend to make payments. National leadership advised districts to create more attractive activities to bring members to meetings rather than relying on obligation of payments.

Over the last 30 years, the GBU Home Office has become the center of GBU membership. The Home Office procures and manages member benefits programs that encourage participation as a member, small group or district and hosts numerous virtual social events allowing members to get together regardless of location. These new benefits and programs allow members flexibility to participate in ways that work with their lifestyles a well as being able to focus on the needs in their local communities. Although these needs may vary, members can receive support from GBU as long as the cause aligns with one of GBU's four established Community Engagement Pillars—Education, Wellness, Hometown Heroes and Community Service. The current state of GBU is a collaboration between individual members, member groups, districts and the Home Office. Modern technology allows the GBU Home Office to be a hub of innovation for new fraternal programs, to connect our wide network of members and spur our great organizations to future growth for generations to come.

If you are interested in supporting your local community, join the GBU Life Member Community at community.gbu.org to get details on programs and benefits. If you would like more information about GBU districts in your area or starting a new GBU district, you can find locations and information about our current districts under the "more" tab by clicking on GBU Districts.

Outdoor Exercise Pro Tips

Tue, 04 Apr 2023 14:56:26 GMT

Why Spring is a great time to take your exercise outdoors!

As the weather thaws and the days get longer, spring is the perfect time to add some variety to your fitness regimen by taking your workout outdoors. The outdoors have a magical way of getting people to put more effort into movement because it offers a natural environment that provides social interaction, more enjoyment and overall sense of

well-being.

The past few years have pushed us to get more creative with our workouts and exercising outside provides an array of benefits, along with creative advantages, that are not seen from traditional indoor workouts. One simple but major benefit is increased sun exposure. The increased sun exposure enhances our Vitamin D production, which helps to improve mood, reduce inflammation and promote bone health.

Taking your exercise outdoors can also help with the mundane routine of going to the gym. It provides the options of including different exercises into your practice, introducing cross training to your workout program, all the while saving money and skipping the cost of a gym membership.

Outdoor exercise means encountering a constantly changing environment that keeps your body engaged and challenged, and your mind focused. Walking, hiking, swimming or playing tennis, the options are endless and just as effective as an indoor workout.

PRO TIPS

DRINK ENOUGH WATER.

Don’t wait until you’re thirsty to drink! Drinking a sufficient amount of water prior to your workout is essential in making sure you stay hydrated.

AVOID EXTREME TEMPERATURES.

High temperatures and steamy days don't have to cancel your outdoor workouts ... plan accordingly! Make sure you wear heat-appropriate clothing.

Always use sun protection and make sure you have water on hand. Check the weather. Tailor your workout to the weather by dialing down the intensity, if needed, or doing a workout that allows for breaks.

EXERCISE EARLY

Avoid middle-of-the-day workouts. Midday sun can add about 20 degrees to the temperature, usually making it the hottest time of the day.

Usually, early morning workouts provide for a more enjoyable experience by allowing you to enjoy the crisp newness of the day. It also helps to jumpstart your day which can lead to a better mood and increased productivity.

Play the New GBU Online Trivia Game!

Tue, 04 Apr 2023 14:34:35 GMT

May the Fourth be with you.

Test your knowledge and answering speed with our new online game.

Here's how to play:

Log into the GBU Life Member Community at community.gbu.org starting on Monday, April 17, 2023, and go to the Global Live Feed to get the link to the online game.
Answer the trivia questions about Star Wars. The faster you answer, the more points you score!
Keep an eye on the leaderboard until the end of the game on Thursday, May 4, 2023, at 4 p.m. EST.
The top 10 players on the leaderboard at the end of the game win a $20 Amazon gift card and all players will be entered for a chance to win a $250 Amazon gift card via random drawing.

*Only one entry permitted per GBU member. Amazon gift cards will be awarded digitally via email. See official rules posted on the game site prior to game play.

Navigating Today's Investment Market

Tue, 04 Apr 2023 14:03:15 GMT

Why consistent interest rates may yield the best long-term result.

Historically investors would simply invest in the highest yields, for the shortest duration. When that contract was to expire, simply do the same process over, “wash-rinse-repeat.” The issue becomes, what if the rate you receive after that investment matures is lower? Are you willing to reinvest that 5% One- Year rate at 3% when that contract is up, then at 2% when that contract is up? That is why it is important to understand that sometimes you can make time work for you. By locking in rates now, you take out much of the “reinvesting” risk in the future. Taking a similar rate for longer now, may be the prudent choice if your timeline allows it. While many love a “teaser” rate, we at GBU want our members to be educated as to why companies offer them, and the pitfalls that may come with them, especially in a market where rates are expected to eventually come down significantly.

At GBU, our primary objective is supporting the needs of our members. Your timeline may not be affected by the markets, and we stress the goal is always to do what is best for you and your family. If you have any questions about any of our annuity products, or markets in general, we are always here to discuss a plan that fits your needs.

This chart shows the yield curve from January 2017, which is a typical yield curve. Rates are low on the front end, trend up and then level off.

This chart shows the current yield curve. Here, the front-end rates are higher than longer rates and the intermediate rates (belly of the curve) are lower than longer rates (back end). The expectation is that the Fed will start lowering rates in 6 months, resulting in a precipitous drop in yields. Reinvesting money in that June 2023 and later window will likely mean lower rates on your reinvestment.

GBU Life is the marketing name for GBU Financial Life. Annuities are not short-term products and are issued by GBU Financial Life (GBU), Pittsburgh, PA. Products and features may vary by state. Withdrawals prior to 59½ may be subject to IRS penalties. This is a summary of the contract provisions. Please refer to the contract for details of surrender charge schedule, benefits and exclusions. No statement contained herein shall constitute tax, legal or investment advice. You should consult with a legal or tax professional for any such matters. NOT A DEPOSIT OF A BANK-MAY LOSE VALUE-NOT BANK GUARANTEED. Contract Form Series:

ICC22_FPDA_CON_(01-22), FPDA_CON_(01-22)_FL, FPDA_CON_(01-22), ICC21_SPDA_CON_(4-21),

SPDA_CON_(4-21)_FL, SPDA_CON_(4-21).

Support Random Acts of Kindness with GBU Life and VIP Perks! by Entertainment

Tue, 14 Feb 2023 03:23:12 GMT

Surprise a friend or loved one with a sweet gesture using an offer from VIP Perks! Treat grandchildren to dinner at a local pizza shop, or book a massage for your significant other using deals inside the VIP Perks! app. Find the offer you want, print it or redeem it in the app.

What is great about this GBU Life member benefit is that you can find offers for food, wellness and more across the country. For example, you are visiting your daughter in Florida, and she mentions this delicious ice cream shop down the street. As the two of you finish having dinner, you log into the VIP Perks! app and enter your current location. The ice cream shop she was talking about has an offer available. Quickly, you redeem the coupon, asking if she wants to take a walk. The two of you stop by the ice cream shop and enjoy a scoop or two of your favorite flavor of ice cream.

Show someone you care with a random act of kindness with the help of GBU Life and VIP Perks!

Enjoy local and national discounts on dining, entertainment and services. You can print coupons from home or simply redeem them from the mobile app!

Deep discounts, up to 50% and BOGO
National, regional and local discounts
Best-in-class offers, up to 50% off, on things you do everyday.
Save on dining, attractions, activities shopping, services travel and more!

Save locally and when you travel. Offers from VIP Perks! by Entertainment® are available in 10,000+ US and Canadian cities.

This new GBU Life member benefit is provided at no charge for both insured and social members, but you do need to opt-in to receive access to the site.

Log into the GBU Life Member Community at community.gbu.org OR visit inside.gbu.org/vip-perks to get started.

RECEIVE DISCOUNTS FROM THESE RETAILERS AND MORE!

3 Recipes To Make Your Valentine Swoon

Wed, 08 Feb 2023 15:35:10 GMT

We're talkin' breakfast, dinner and dessert

Give Back Group Project Spotlight: St. Anne Catholic School Pickleball Tournament

Mon, 06 Feb 2023 22:25:33 GMT

GBU members Peter Nelson and his son Peter, along with Eric Moskala, organized Team NIA

(Nelson Insurance Advisors) as their Give Back Group for the St. Anne Catholic School Pickleball Tournament fundraiser in September. Eight-year-old Peter is a student at St. Anne.

“The fundraiser went amazing and was a lot of fun as well!” Peter explained. Team NIA helped raise$7,500 at the Tournament, and GBU provided a $2,000 match to St. Anne Catholic School.

The funds will be used to further enhance the education of the children in the community who attend St. Anne Catholic School, which is considered one of the finest private schools in the East Tennessee and Southwest Virginia area.

Peter Nelson, FICF, LUTCF, president of Nelson Insurance Advisors in Bristol, Tennessee, first heard about GBU Give Back Groups at a Milwaukee GBU Producer event in summer 2022. He was eager to participate in the Give Back Group matching program to benefit his local community and now encourages other members to join him.

Give Back Groups

VISIT GBUCARES.ORG/GIVE-BACK-GROUPS TO REQUEST APPROVAL FOR YOUR GIVE BACK GROUP.

Fraternal Adventures Fall 2022

Mon, 06 Feb 2023 13:14:41 GMT

October 6: NJ/NY Fraternal Alliance Convention

I headed back to the massive Tropicana in Atlantic City this year for the annual NJ/NY Fraternal Convention. It was an excellent meeting filled with new information from actuaries, investment advisors and more. We spent some time talking about how fraternalism fits into our modern society. I was elected Second Vice President and am happy to continue on this board. I appreciate the opportunity to represent GBU in this region and to see things continue to grow. This year my family joined me, and they all enjoyed the boardwalk, museums and pool on an unseasonably warm day while I was at the convention.

October 22: Operation Reach Out Packing Day

Because our deployed service members need care packages all year, we have changed our once yearly Operation Reach Out packing day to four, quarterly packing days throughout the year. In October, we got together to pack up 750 hygiene, entertainment and snack kits that will be distributed, along with wish-list items, to units that are currently deployed. It has been great to get together with fellow GBU members for these fun packing days. We have been able to finish by lunch and enjoy some time together. My son also enjoys participating and "squishing" all of the cardboard boxes. Watch out for our packing days in 2023 if you are in the Home Office area and want to participate.

November 2: Cardigan Day

Cardigan Day is a Pittsburgh tradition, which honors the kindness and community service of Fred Rogers (Mister Rogers). At GBU, we celebrated by collecting donations for the Education Partnership, which ensures that all of our local schools have free access to much-needed classroom materials. We also enjoyed a little Cardigan Day comradery with cupcakes and photos! Watch out for next year's Cardigan Day announcement, so that you can plan your own GBU-supported act of kindness in your community!

November 5: University of Pittsburgh Military Appreciation Game

As part of our community partnership with the University of Pittsburgh, GBU sponsored the Pitt vs. Syracuse game, which was Pitt's Military Appreciation Game. Our CMO Lesley Mann received the game ball and I presented a community service award to Ciara Ward who has volunteered with seven local organizations in Pittsburgh throughout her time as a student athlete at Pitt. The weather was an amazing 70 degrees, and the Panthers won the game. All-around it was a great day with our community partners.

Coordinate Your Clutter

Mon, 30 Jan 2023 20:51:06 GMT

With AmazonSmile

The AmazonSmile program gives back a portion of your Amazon purchases to the organization of your choice. In order to donate to the GBU Foundation , go to Amazonsmile.com and select ' GBU Scholarship Foundation, Inc.' as the organization you would like to support.

Cozy-Moment Craft Ideas

Mon, 30 Jan 2023 19:09:43 GMT

Brrrr! When temperatures drop and you’re wondering how to occupy your time indoors, take a look around your home for these common items and spend an afternoon making these cozy-moment crafts.

Mitten Garland

Gather outgrown or unwanted gloves or mittens in your home to make this cozy craft!

Items Needed

Twine
Mittens
Clothes pins

Steps

Hang a strand or two of thick twine around a fireplace or entryway.
Attach mittens or gloves to the twine using clothes pins.

Chocolate Candy Cane Dippers

Use leftover holiday candy to make these sweet treats.

Items Needed

Candy canes
Chocolate chips or bars
Mini marshmallows or sprinkles
Parchment paper

Steps

Melt chocolate in the microwave using 30-second intervals. Stir chocolate in-between each interval until smooth.
Dip the long end of the candy cane into the chocolate multiple times until well coated.
On the last dip, add sprinkles or attach mini-marshmallows to the chocolate side of the candy cane.
Place the finished chocolate-covered candy cane on parchment paper to dry.

During chilly winter evenings, grab a blanket, sit on the couch and enjoy a cozy moment with a loved one. As you admire your mitten garland and sip on a warm mug of hot chocolate, don’t forget to include the chocolate candy-cane dipper!

2022 GBU Volunteer of the Year

Mon, 30 Jan 2023 15:45:17 GMT

GBU Life recently selected Dan Marshall as the recipient of the 2022 GBU Volunteer of the Year Award. This award was given in recognition of his dedication to helping others and his outstanding service and contributions in the local community.

Dan volunteers monthly with numerous local nonprofits in the Akron-Cleveland, Ohio, area. Volunteering with Youth for Christ, he and a group of six other volunteers cleaned up the grounds of the City Life Center in Cleveland. Dan assisted with planting vegetables on a 17-acre farm for Cleveland Roots, an organization that provides fresh food to Cleveland’s Clark Fulton neighborhood. He was part of a team that started the volunteer process for hospice visits at Jennings Center, a new assisted living facility.

He is an active supporter of local women’s recovery houses like the Julie Adams House and Edna House. He helped with electrical work, painting and countertop installation during the Julie Adams House’s kitchen remodel. He also found a creative, meaningful way to support the women from the outside—landscaping the properties

so the women staying at the houses would have pleasant environment. Similarly, he is a volunteer for Rahab Ministries, a human trafficking intervention organization. He and other men help with logistics from the outside while trained volunteers deliver gift bags and home-cooked meals to women in the community.

In addition, Dan volunteers with disaster recovery teams and has made multiple trips to help with tornado and flood clean up in Ohio and neighboring states. He networks with nonprofits throughout the area, talking about volunteering experiences and rallying others.

When he is not volunteering, Dan works at a nursing home in a supportive role, cleans and paints—always using his skills to help others. As a runner, Dan runs wherever his disaster relief trips take him. He also travels to Alaska to visit family.

District 810 Fraternal Secretary Lynne Powers presenting Dan with the GBU Volunteer of the Year Award.

“Dan’s volunteerism is based in his Christian faith, and he has a passion to help others, especially through disaster relief. And whatever the situation, Dan wants those in need to see that someone cares for them."

- Lynne Powers, Fraternal Secretary of District 810-Cleveland, OH

Dan Marshall presenting his $1,000 donation award to his charity choice, Julie Adams House.

In Memoriam: November-December 2022

Wed, 25 Jan 2023 13:21:41 GMT

A tribute to members we have lost.

Death Claims Paid Out: November–December 2022

GBU extends its sincerest sympathies to the bereaved families of its deceased members.

Exploring Optimity

Mon, 23 Jan 2023 22:31:37 GMT

Start your fitness journey with the help of GBU's newest member benefit, Optimity. Optimity is an app-based platform that rewards you for making your fitness a priority. Whether it's taking a quiz to test your knowledge on the effects of sleep, to keeping your heart rate up, to simply choosing to take the steps instead of the elevator, rack up your points. See how you stack up against other GBU members while earning gift cards to your favorite retailers and brands.

Once you opt-in and receive a code, you can download the app and get started immediately. Creating your account is simple and only takes a few minutes.

You can stay as busy as you want with new activities and mini-courses every day. But if you don't have time to check in every day, that is okay too. Pick up right where you left off and earn points at your own pace. Optimity can be paired to your fitness wearable so you can stay even more in sync with your daily exercise.

New in 2023, GBU will be offering custom fitness challenges where you can earn even more points that will unlock your rewards even quicker. Winners for each monthly challenge will be posted in the following issue of The Reporter magazine. We will alert you through the app when a new custom challenge is posted.

"Optimity is a great app and easy to use. I've gotten into a nice routine of doing the activities daily. My favorite part is the rewards which add up quickly. There are great options like charitable donations and great gift cards."

GBU Life Member, Jon N.

To opt-in and get started, log on to the GBU Life Member Community and go to the Get Fit + Optimity tab. If you are interested in participating but this all sounds a little daunting, we are here for you. Email memberbenefits@gbu.org or call 412-884-9814 .

Fun Winter Math Puzzle

Mon, 23 Jan 2023 22:17:52 GMT

FRATERNAL PUZZLE FOR MEMBERS AGE 10-14.

Email contest@gbu.org or mail (GBU Fraternal Department, 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227-3394) the participant's name, email address and answers to this fraternal puzzle for a chance to win a $25 Amazon gift card .

Do you know the value of the

in the equations below?

Write them beneath winter object!

Jody Shapiro is a Forest Hills, Pennsylvania, native and owner of Aspire Enterprises and AspireToFind art—where she turns colorful computer creations, images of her dogs, and black-and-gold Yinzer sayings into shirts, mugs and other useful items! Jody and her husband, Joel Bloom , are the co-authors of the book Images of America Series: Forest Hills . She and Joel live in Forest Hills with their long-haired, mini-dachshund (and social media influencer

@CodyBearTheDachshund ) AKA Cody . Jody has been creating word puzzles for children since the mid-1980s. She has been a GBU member since the late 2000s. www.aspiretofindasolution.com/news-notes

In Memoriam: August-October 2022

Mon, 23 Jan 2023 18:00:40 GMT

A tribute to members we have lost.

Death Claims Paid Out: August–October 2022

GBU extends its sincerest sympathies to the bereaved families of its deceased members.

My Best Friend Coloring Contest Winners

Mon, 23 Jan 2023 17:34:22 GMT

Thank you to all of the participants of the My Best Friend Coloring Contest! Congratulations to the winners listed below.

CATEGORY I-AGES 3 & 4

FIRST PLACE

Lainey Grace Urey

Hermitage, Pennsylvania

SECOND PLACE

Katrina Matthews

Lemont Furnace, Pennsylvania

THIRD PLACE

Kinsley Stephenson

Johnstown, Pennsylvania

CATEGORY II-AGES 5 & 6

FIRST PLACE

Tabetha Charuza

Denville, New Jersey

SECOND PLACE

Ryan Wilt

Ashburn, Virginia

THIRD PLACE

Joel Gebhart

New Castle, Pennsylvania

CATEGORY III-AGES 7, 8 & 9

FIRST PLACE

Paige Ann Urey

Hermitage, Pennsylvania

SECOND PLACE

Ruby McCabe

Portage, Pennsylvania

THIRD PLACE

Andrew Campbell

Willow Street, Pennsylvania

Optimity Fall Challenge Results: Get Active

Mon, 23 Jan 2023 13:53:41 GMT

GBU members were challenged to get fit, even with a busy work schedule. This challenge provided members with micro-exercises they could do anywhere, even at their desk.

Micro-challenges included 60-second workouts like bicycle crunches, leg raises, push-ups, jumping jacks, mountain climbers and side planks.

First Place Dave K.

Second Place Erica R.

Third Place Heather M.

My Best Friend Photo Contest Winners

Mon, 16 Jan 2023 21:37:56 GMT

Thank you to all of the participants of the My Best Friend Photo Contest! Congratulations to the winners listed below.

First Place

Roseann D.

Strasburg, PA

Second Place

Jessica S.

Saginaw, MI

Third Place

Jayne K.

Hermitage, PA

Ugly Christmas Sweater Contest Winners

Mon, 16 Jan 2023 20:58:28 GMT

The winners of our 1st Annual Ugly Christmas Sweater Contest.

1st Place

Cynthia W - District 999

2nd Place

Kurt W - District 684

3rd Place

Curt W - District 2000

Thanks to everyone who participated this year!!

Kids Can Give Back, Too!

Mon, 16 Jan 2023 19:59:53 GMT

This fall, a group of GBU youth members got together to give back to their local community. Read about their projects here and find out how you can give back to your community as well.

GBU youth members Xavier, Bailey and Zay Burns-Elliott and Roman and Daisy Stockdale recently realized they had a few things in common: their love of their local Common Ground Teen Center and a passion for Halloween. Both sibling groups from Washington, Pennsylvania, decided to get together and make a difference using GBU's Give Back Groups program.

A Place for Everyone

The Common Ground Teen Center in Washington, Pennsylvania, is a welcoming place for everyone. Although Roman, Daisy, Zay and Bailey are too young to regularly attend, they have all visited on occasion and enjoyed spending time with the friendly local teens, including Xavier who participate in activities and learning opportunities there. The Teen Center is a no-judgement zone and helps teens to navigate difficult social issues, while developing them as community leaders. It is a great place to make friends, learn and just hang out. Everyone is welcome, exactly as they are.

The Teen Center has an annual fundraiser, which is a See-Saw Marathon. Teens volunteer to spend 24 hours see-sawing non-stop to raise funds for the center. The kids saw the fundraiser as an opportunity to help raise even more funds that can be used toward the center's operating costs and programs. On October 5, which was 5-for-5 Challenge Day, Roman and Xaiver both made videos asking the community to donate to the teen center and that GBU would match all donations up to$5,000 through the Give Back Groups program. The videos and social posts raised $5,002 for a total of $10,002 after the match for the one-day campaign!

Haunted House Fun

In 2021, the Washington Park was looking for a way to raise funds for much-needed pool repairs and decided to bring back a previously popular event called Dark in the Park. The all-volunteer event features a spooky hayride through the park with various haunted scenes throughout. Roman, who has always been a huge Halloween fan, volunteered to set up his collection of animatronics for the occasion. The event was incredibly successful and led to the pool repairs being made and pool being able to open for the 2022 summer season. The park decided to repeat the event in 2022 to raise additional funds for the park. This year Xavier, Bailey and Zay joined in, and the team used community project funds to purchase some additional spooky props to add a walk-through haunted house that would be part of the event. The team set up animatronics, lighting and props and then got into costume (and character) to scare thousands of attendees over the Halloween weekend.

The event raised over $7,000 for the park and the kids enjoyed planning, organizing, setting up (with a bit of help from their parents) the haunted scene and deciding where they would stand to scare those walking though. Next year, the park hopes to attract even more volunteers for every task from concession stand sales, to story narration and haunted scene creation. The GBU "Give-Back Kids," as they are calling themselves, hope to add more friends to their group to be able to help out more in their community.

You can give back too! Simply submit your fundraiser or community projects at gbucares.org/give-back-groups . You can receive matching funds of $1,000 for each GBU member in your group, up to $5,000, or apply for a community project reimbursement of $250 per member up to $1,000!

GBU Foundation Scholarships and Grants

Mon, 16 Jan 2023 16:03:32 GMT

GBU Life (GBU) established a scholarship program in 1962 to encourage and assist members in furthering their education. Funded by the GBU Foundation and voluntary contributions by GBU members, GBU districts and others, this program continues to grow and remains an investment in our economic and social progress.

GBU Foundation scholarship applications will be accepted online at gbufoundation.awardspring.com from January 1, 2023–May 31, 2023.

Eligibility

Those eligible to apply for scholarships must be

An insured GBU member or annuitant with an active GBU life insurance policy or annuity in force in the year applying.
Members of all ages are eligible to apply.
Must have GPA of 2.75 or above or the equivalent.
Applicants must plan to be enrolled as a full-time student (or at least part-time student for Graduate recipients) for the fall 2023 term. Every recipient must provide enrollment verification before payment is made.

GBU Foundation Scholarships

Four-Year Scholarships (4 years)

For students entering four-year programs leading to a bachelor’s degree.
$1,500 per year, renewable for up to three years.
Bert Waltenberger Memorial Scholarship. Applicant must be involved in German-related programs and sports activities to be designated to receive this award.
$1,500 per year, renewable for up to three years.
Clarence O. Affelt Architecture/Fine Art Memorial Scholarship. Applicant must have a declared major in the architecture or fine arts field to be considered for this award.
$1,000 first year with $500/year renewal for up to three additional years.
The Mary M. Pocorus Memorial Scholarship, the Frank F. Pocorus Memorial Scholarship, the Dr. Ludger F. Pocorus Memorial Scholarship, and the Ronald Pocorus Scholarship.
$1,000 first year with $500/year renewal for up to three additional years.

Two-Year Scholarships (2 years)

For students entering or currently in degree or certificate programs, up to two years in duration, offered by vocational/technical schools, nursing schools, community colleges and similar institutions.
$1,000 per year, renewable for up to one additional year.

Undergraduate Scholarships (3 years)

For students already in college programs leading to a bachelor’s degree.
$1,000 per year renewable for up to two years.

Graduate Scholarships (2 years)

For students in college graduate degree programs leading to advanced degrees.
$1,000 per year, renewable for up to one additional year.

GBU Foundation Scholarship Renewals

Students renewing scholarships will be required to submit a renewal form that includes updates of activities and academic achievements in addition to their transcripts.

GBU Foundation Grant Awards

All eligible applicants who did not receive a GBU Foundation Scholarship are entered in a random drawing in which a predetermined number of one-time $750 GBU Foundation grants are given.

In addition, the following $500 Personal Giving Grants will be awarded: James R. Stoker Memorial Education Fund Grant, James R. Stoker Higher Education Grants (10), John P. Albright Grant, Former District 491–Granite City, Illinois, Grants (2) and the Former District 496–Gill Hall, Pennsylvania, Grant.

Important Notes

While applicants may submit their GBU Foundation scholarship application online at any time between January 1-May 31, they must provide an official, final spring 2023 transcript for their application to be reviewed.
Notification will be by gbufoundation.awardspring.com email and by mail.
Funds covering GBU Foundation Scholarship and Grant awards are remitted directly to the accredited school as a payment toward tuition and fees.
Visit gbufoundation.awardspring.com for complete details and to complete your GBU Foundation scholarship application.

High School Freshman Grants

The GBU High School Freshman Grant program is designed to assist eighth-grade GBU members with associated costs in their transition into the high school curriculum. High School Freshman Grants of $250 are to be used for expenses necessary for the student’s educational needs.

Applicants must be an insured or annuitant GBU member and enrolled in eighth grade.

Students must complete a High School Freshman Grant application at inside.gbu.org/benefits#Scholarship between January 1, 2023-June 30, 2023.

Applications cannot be submitted through the GBU Foundation Scholarship website ( gbufoundation.awardspring.com ).

High School Freshman Grant applicants must provide their official spring 2023 report card showing advancement to ninth grade by June 30.

Notification will be by email and mail.

Important Dates

For more information, please contact Charitable Giving and PR Specialist Ken Elliott at kenneth.elliott@gbu.org or 412-336-3246 , or the Community Development Team at memberbenefits@gbu.org or 800-765-4428 .

GBU Life Team to Team Program

Mon, 16 Jan 2023 15:51:21 GMT

WE'RE ON YOUR TEAM

GBU Life's new Team to Team program helps our youth members to be able to offset costs associated with school and recreational sports and clubs. Insured GBU youth members can apply for a team sponsorship under this program..

INDIVIDUAL MEMBERS

An insured youth member can apply for a team sponsorship of up to $250. To apply, you must be a participating member of the team, and GBU's sponsorship must be acknowledged in some way, such as a program ad, t-shirt logo, field sign, etc.

GROUPS OF MEMBERS

If your team contains five or more insured GBU members, you can apply for a team sponsorship of up to $5,000. All GBU members must be current and active members of the team. Your team must complete a community service project, and GBU's sponsorship of the team must be acknowledged in some way, such as a program ad, t-shirt logo, field sign, etc.

GBU members under the age of 18 participating in any recognized sports or academic organization may apply for the Team to Team sponsorship.

For more details and to apply visit inside.gbu.org/team-to-team .

Fitness in the New Year

Mon, 16 Jan 2023 15:37:38 GMT

Prioritizing the journey over the destination

New Year, New You?!

New Year, New You ... a saying that is commonly used at the top of the new year for many who want to begin the journey of committing to a healthier more active lifestyle. But does this phrase embody the drive, sacrifice and tenacity that it takes to achieve just that? For some it does, for many it does not.

As a fitness professional, I have witnessed many people focus, so intensely, on the magic number on the scale or the perfect size dress, that the beauty of the journey is often missed and overshadowed. My hope is to give you perspective on how you can use fitness as a tool to help build confidence, reduce stress, increase resilience and create longevity. All of these can ultimately yield a beautiful life full of rich experiences, lasting friendships and self-discovery.

Fitness is a journey, not a destination. It's not meant to restrict you to the confines of workouts, calorie counting and missed moments with family and friends. It's not meant to weigh you down with the fear of making a wrong food choice or guilt from missing a workout. This thinking simply robs us of having the full experience that fitness brings into our lives. Fitness is simply a journey on which you strive to take daily steps to reach a healthier version of yourself. For some those steps might include signing up for a gym membership; for others it might include at-home workouts. The important thing is to do what you enjoy, and appreciate whatever your body is able to give you. Celebrating small victories, like being able to carry in the groceries or taking the stairs instead of the elevator, are successes to appreciate. These everyday activities ultimately lead to a better quality of living.

No matter where you are on this journey, whether you are just starting or you have been exercising for years, I applaud you for a worthwhile pursuit. Exercise boosts mental and emotional stability. It reduces the risk of chronic disease. It improves the quality of sleep, aids in weight loss and so much more. So, stay on the journey. Smell your flowers along the way. Don't be too hard on yourself. Give yourself grace and permission to make mistakes and have setbacks. Every step counts, big or small. They all add up. They all get you there!

TIPS INTO THE NEW YEAR

CREATE SMALL GOALS THAT YOU CAN BE CONSISTENT WITH.

FIND WORKOUTS THAT YOU ENJOY! YOU'RE MORE LIKELY TO CONTINUE WITH THEM.

GET AN ACCOUNTABILITY PARTNER.

BE PATIENT WITH YOURSELF AND THE PROCESS.

The Importance of Updating your Beneficiary

Mon, 16 Jan 2023 14:36:25 GMT

A Reminder to Do So

Just as you should check all of your estate planning documents every few years—the same goes for beneficiary designations. When was the last time you reviewed your beneficiary designations on your life or annuity policies? Many people have beneficiary designations that are outdated due to major changes in their lives. Check your beneficiary designations from time to time to make sure they are what you intend them to be, especially after major life events.

Why You Might Need To

(Divorce, Death of your Beneficiary, More Kids, Etc.)

Life changes such as marriage/divorce, addition of children/grandchildren, death of your named beneficiary, substantial changes in your estate value, other changes in family dynamics, as well as name/address changes for your loved ones. Take time now to review your beneficiaries.

You should select both primary and contingent beneficiaries. Contingent beneficiaries will inherit if the primary beneficiaries precede you in death. Keeping your beneficiary designations up-to-date is an effective estate planning tool to build and maintain wealth. Designating beneficiaries when you set up your account is the easy part. Remembering to keep the documentation updated is the important part.

How to Do So

(Just Call Customer Service)

If you need to update your beneficiary designation(s), you can download the form from our member portal, or simply call us ( 800-765-4428 ) and we can mail or email the form to you.

What Happens If You Don’t

Failing to update these designations may result in your assets being distributed to someone you didn’t intend. If you do not have any living beneficiaries when you pass, the proceeds are paid to your estate and may be impacted by probate laws in your state. Why does this matter? Because beneficiary designations supersede the terms of your will and avoid the probate process.

Source: GBU Life Senior Director Mark V. Aul, CLU, FLMI

When to get Life Insurance has Surprising Answers

Tue, 03 Jan 2023 21:35:04 GMT

Wondering if Now is the Time for Life Insurance?

The easy answer to when to buy life insurance is “when you have children.” Everybody knows that! If something happens to you, “the breadwinner,” there will be money for the family’s sustenance and education. This is true but doesn’t speak to the other times when life insurance is a smart choice. The question remains: when do we sign-up for life insurance? The answer is different for everyone, but inevitably involves consideration of what’s coming up in your life. Because life insurance only gets more expensive as we age, it makes financial sense to anticipate your accumulation of responsibilities and commitments and insure accordingly. Here are some common moments when life insurance makes sense.

Before we get down to specifics, there’s one big thing to keep in mind: even though it’s an easy thing to put off, you’re better off thinking about life insurance now. In general, life insurance gets more expensive the older you are. That’s because the younger you are, the longer your life expectancy is. Life insurance is priced based on age, gender and health at the time of application. All things being equal, a younger person will receive a better life insurance rate. In some small increments, that makes life insurance more expensive every single day. Signing up early will lock in a long-term price break while still allowing for a lot of living.

The question remains: when do we sign-up for life insurance? The answer is different for everyone, but inevitably involves consideration of what’s coming up in your life. Because life insurance only gets more expensive as we age, it makes financial sense to anticipate your accumulation of responsibilities and commitments and insure accordingly.

Here are some common moments when life insurance makes sense.

You Know There’s More Family in Your Future You know yourself, and you know you’re going to want a family. Or looking in the other direction, your parents are getting frail, and you’re at least partially responsible for their future. That’s one of those life responsibilities that fall on us without our really thinking about it, but it’s real. One of the ways we express our love is by performing acts of service. There is no greater act of service than accepting responsibility for the people, places and things around us. We do it without thinking about it. “I’ll get it,” we say; taking on a little more every day. That’s how we make our lives work smoothly: we help each other. We see it not as a burden but as a kind of joy. Anticipating that other people are going to depend on us is part of a life well led. Life insurance helps you be ready for that. GBU Life even offers child term riders that allow you to insure any future children you may have under your policy, so when the time comes for those little ones, you already have coverage for them in place.
Debt You owe things. When you’re young, almost everyone owes more than they own. Odds are some of that debt is tied to other people—co-signers, business partners, people who have helped along the way. It is also important to take into consideration that your loved ones will want to pay proper tribute to your life when you should pass away. The average cost of a funeral is over $7,000. Most of the time people don’t die young; however when this does occur, the loved ones are often left not only with the tragedy but with a financial mess. A relatively small amount of life insurance would eliminate that. Remember life insurance is cheap when you’re young. You could relieve those around you of the financial hardship caused by your death for less than coffee money every day.
The Opportunity to Seize Opportunities
In life, not only does risk happen but there are moments when we welcome risk. Life insurance can change the way you measure your possibilities. An average person’s career usually consists of 12 jobs and 15 homes. Every one of those changes involves risk—a period where you and the people who depend on you are vulnerable. But there are bigger risks to be taken as well. Consider, for example, an entrepreneurial opportunity. You and a friend have an idea for a company. You’re weighing the risk versus the reward. It is a sound idea for you and your business partner to purchase additional life insurance should either of you pass away unexpectedly. This additional life insurance would allow the other partner to purchase the entire company, while at the same time, it will protect your family financially. All the steps you’ve taken up the financial ladder mean there’s more to insure, a better lifestyle to be protected and more risk to be measured. Life insurance can change that equation. Adequately insured, your risk is lower. You can spend down your capital or absorb a start-up period at lower pay because if the worst happens there’s insurance to take care of the people you love and the responsibilities you’ve accepted. And that’s liberating.

Of course, none of us know what’s going to happen. But by buying insurance early, at a comparatively low rate, you can proceed with more confidence. That is the ultimate power.

Practicing Thankfulness Year-Round!

Tue, 15 Nov 2022 16:53:05 GMT

Gratitude Activities for Children

As we approach Thanksgiving, consider that thankfulness is an activity not reserved for one day. In many religious and cultural traditions, people offer thanks for food, health and other blessings they experience. Cultivating gratitude as a regular part of life can have many emotional, physical, social and spiritual benefits. These many benefits go a long way in helping regulate emotions, reducing stress and anxiety and their impact on the body, connecting family and friends more deeply and providing an overall sense of contentment. Gratitude is a habit or practice that we can teach the children in our lives, and here are some creative and fun ways to do that.

Gratitude Journal

Gratitude journals are a great way to begin a daily practice of recording the best things that happen each day. There are all-ages gratitude journals available for purchase or there are downloadable pages online. For younger children, journals may include age-appropriate activities and encourage artwork to record their thoughts and feelings. For older children, journals may include prompts to spark writing. Giving a unique journal with your own personal note inside, expressing your thanks for your loved one and challenging them to carry on, with special pens or markers, is another meaningful idea.

Gratitude Jar

Decorate a canning jar with construction or tissue paper, stickers, paint, glitter, ribbon, flowers, leaves or other craft supplies. Cut strips of construction paper. Place the jar, paper strips and a pen on the dining room table or a prominent place in your home. Have everyone write something they’re thankful for on a piece of paper. Young children can draw a picture, or you may need to help them write their thought down. Open the jar at a family dinner or holiday and go around the table reading the paper gratitude strips.

Gratitude Stones

Making gratitude stones is a great group activity. Gather some smaller smooth stones, paints, paint markers and art fixative/waterproofing spray. Wash and dry the stones. Paint hearts on the stones and cover with the spray. While you are working on the project, talk about things that each of you are thankful for. After the stones have dried, each of you may keep one to put somewhere visible like a bookshelf, desk or dresser, or carry it around in your pocket as a reminder to be thankful daily. You can also have children give them as a gift to someone special.

Thank-You Notes

There’s no substitute for the thank-you note from a child, and the best time to practice is to have children write them right after birthdays and other gift-giving holidays. The basics have not changed: address the giver, thank the giver for the gift, tell the giver how it makes your child feel and tell the giver what your child will do with it. One of the most important things to teach, especially when a child receives a gift they do not like or want, is to recognize the time and thoughtfulness of the giver in choosing a special gift just for them. It is not the cliché that “It’s the thought that counts,” but learning to appreciate the relationship with the giver.

Thank You Prompts at Dinner

Asking a few simple questions at dinner can spark a discussion about things that family members are grateful for. Going around the table, you can ask questions

like, “What is one thing that happened today that you are thankful for?”, “What’s one thing you are thankful for

about someone at the table?” or “What’s one thing someone did for you that you are thankful for?” Practicing gratitude as part of dinner discussions can help create a positive, affirming environment to celebrate good days and reframe challenging days for children.

Festive Recipes for Your Holiday Gatherings

Tue, 01 Nov 2022 18:01:27 GMT

Four alternative dishes to compliment—or dare we say replace—your all-time favorites

DIY Fall or Winter Door Décor

Tue, 25 Oct 2022 20:19:34 GMT

Updating your home when the seasons change doesn’t have to be expensive. Using common materials found in your home, you can create a festive front door that shows off your personal style and encourages guests to enjoy the season!

Materials needed:

Roll of butcher/freezer paper
Markers, crayons, paint–whatever medium you prefer to use
Tape and glue
Utility knife
Fall- and winter-themed stencils, self-adhesive foam pieces, stickers, ribbon and more!

Steps:

Open the door and wrap butcher/freezer paper around it. Using a utility knife, cut the paper around the doorknob and at the bottom of the door.
Decorate the door in a seasonal style you love.

Fall Door Décor Ideas

Halloween or Thanksgiving themed
Pumpkin patch fun
Fall leaves

Winter Door Décor Ideas

Holiday themed (Christmas/Hanukkah/Kwanzaa/Diwali)
Winter Wonderland
Merry and Bright

While this article suggests decorating your front door, the fun doesn’t need to stop there. Challenge family members to a bedroom door decorating contest. The winner gets to choose a fall or winter adventure to participate in such as a visit to the pumpkin patch or a night of ice skating. Happy decorating!

Making a 2022 Qualified Charitable Distribution (QCD) to a Charity

Tue, 25 Oct 2022 19:41:48 GMT

Possible Tax Savings with your IRA Required Minimum Distribution (RMD):

Making a 2022 Qualified Charitable

Distribution (QCD) to a Charity

Individuals 72 or older with a traditional IRA must take Required Minimum Distributions (RMDs) every year from their IRA, and RMDs are taxable income. If individuals do not withdraw the full amount, they may face a large tax penalty of 50% on that total.

Since RMDs are taxable, withdrawing all or a portion of an RMD as cash may increase taxes and could lead to any of the following circumstances:

Pushing an individual into a higher tax bracket.
Triggering a Medicare surtax.
Taxing Social Security.
Increasing Medicare Part B and D premiums.

Do you know, donating all or part of your RMD directly to a qualified charity, like the GBU Foundation, can have huge tax savings and can help avoid these tax increases? This Qualified Charitable Distribution (QCD) is excluded from your taxable income—up to $100,000 for an individual and $200,000 for a couple if both are eligible.

It is important that your retirement plan administrator transfer the contribution directly to GBU Foundation or other qualified charities. Your tax benefits will be lost if the distribution check is made out in your name and then later donated to a qualified charity. Your QCD must go outright to public charities, and not to supporting organizations, donor-advised funds, charitable trusts or gift annuities.

The deadline for making a 2022 QCD using 2022 RMD funds is December 31, 2022.

If you make a QCD in 2022, you should report it on your 1040 income tax form for 2022 with the full QCD amount on the line for IRA distributions.

For more information about giving through the IRA Charitable Rollover/Qualified Charitable Distribution (QCD), Donor-Advised Funds or Bequests, please consult your tax or legal advisor.

Legal Name: GBU Foundation

Tax ID: 25-6076646

Address: 4254 Saw Mill Run Blvd, Pittsburgh, PA 15227

Contact Charitable Giving and PR Specialist Ken Elliott at 412-336-3246 or kenneth.elliott@gbu.org about other giving options including charitable gift annuities, charitable trusts, donor-advised funds and bequests to benefit GBU Foundation.

You may make your 2022 gift to the GBU Foundation by making your check payable to GBU Foundation, 4254 Saw Mill Run Blvd, Pittsburgh, PA 15227 or donate online at gbucares.org . You may also give in honor or memory of a loved one, and all gifts are listed in The Reporter magazine.

Regional Event Recap Summer Tour

183:849361569 (Jennifer Stockdale) — Tue, 25 Oct 2022 18:25:38 GMT

Summer Tour!

This year we are finally bouncing back after COVID and were happy to be able to have three large member meetups at the Pittsburgh Zoo, Milwaukee German Fest and the Toledo German-American Festival.

GBU Community Day at the Pittsburgh Zoo

GBU Community Day at the Pittsburgh Zoo returned for a second year in 2022. GBU members enjoyed all that the zoo had to offer, plus free face painting and airbrush tattoos, a character meet & greet, animal encounters and live music in the zoo's spacious Garden Tent. A storm blew through in the late afternoon causing us to end a bit early, but everyone enjoyed a fun day getting together with fellow GBU members.

GBU Member Meetup at the Milwaukee German Fest

It was a beautiful day on Lake Michigan for the Milwaukee German Fest! Members were treated to "Mader Bucks," which allowed them to enjoy a meal at Mader's, a favorite German restaurant with locations throughout the festival. We also had our GBU prize wheel with fun giveaways for both adults and kids. It was so nice to be able to meet our members from the Milwaukee area and enjoy the beautiful city.

GBU Member Meetup at the Toledo German-American Festival

The Toledo German-American Festival is one of Toledo's oldest and largest ethnic festivals. It is hosted by several German heritage societies in the Toledo area, including GBU District 510.

We had a wonderful time meeting with members in person at the GBU Tent and handing out fun GBU prizes from the prize wheels. We even signed up a few new members during the Festival. From carnival rides, to dancing, music and delicious food, there was something at the Toledo German-American Festival for everyone.

Birthday Match 2022

Tue, 25 Oct 2022 18:14:21 GMT

Here’s how it works

Make a charitable donation to a 501(c)3 organization on your birthday and GBU will match it, up to $100! Simply take a screenshot or submit a receipt of your donation to GBU within 60 days of your birthday.

You must submit an online application to qualify.

For more information or to submit an application: reporter.gbu.org/birthday-match

Start a Birthday Facebook Fundraiser and GBU will match what your raise, up to $250!

How about a birthday reminder?

Email memberbenefits@gbu.org with your name and birth month and we will send you a reminder the month of your birthday!

Shake Up Date Night with VIP Perks! by Entertainment

Tue, 25 Oct 2022 17:34:34 GMT

As part of our New Year’s resolutions, my husband and I made a shared goal of spending more time together as a couple. As parents of a four-year-old with limited babysitter options, it’s a lofty one. We agreed that if we were putting in the extra effort to find a babysitter, we should do the same with our date-night activity.

After scrolling through a few deals on the VIP Perks! by Entertainment app, one caught my attention. It was an offer for 25% off a GoApe Treetop Adventure. Now, my husband and I have talked about how fun it would be to go ziplining, but never followed through with it. Since there’s no better time than the present, I printed the coupon and used it to book our adventure.

When the day came and we were at the park, I was a nervous wreck. Luckily, the staff was very helpful, encouraging and provided thorough training in a short amount of time. As my husband and I weaved through the treetop course together, we enjoyed the sights and sounds of the park, cheered on other couples going through the course and challenged ourselves in a new way. It was an experience we will remember for years to come.

In short, do yourself a favor and shake up date night! From treetop adventures to ice skating to an Improv comedy show, you can enjoy great experiences (and discounts) when you log in to the GBU Life Member Community and opt in for VIP Perks! by Entertainment.

Enjoy local and national discounts on dining, entertainment and services. You can print coupons from home or simply redeem them from the mobile app!

Deep discounts, up to 50% and BOGO
National, regional and local discounts
Best-in-class offers, up to 50% off, on things you do everyday.
Save on dining, attractions, activities shopping, services travel and more!

Save locally and when you travel. Offers from VIP Perks! by Entertainment® are available in 10,000+ US and Canadian cities.

This new GBU Life member benefit is provided at no charge for both insured and social members, but you do need to opt-in to receive access to the site.

Log into the GBU Life Member Community at community.gbu.org to get started.

RECEIVE DISCOUNTS FROM THESE RETAILERS AND MORE!

Get Fit Results 2022

Tue, 25 Oct 2022 12:51:13 GMT

Way to go to these Get Fit Club members who reached one or more of the levels and reported mileage in 2022.

Walking

Reported Mileage as of August 23, 2022

Running

Reported Mileage as of August 23, 2022

Biking

Reported Mileage as of August 23, 2022

Give Back Group Project Spotlight: Courage for Kiera Foundation

Tue, 25 Oct 2022 12:47:22 GMT

Courage for Kiera Foundation:

Grandparents Support Memorial Fund through Yard Sale

Cathy Chirdon and her husband Robert , of Dysart, Pennsylvania, formed a GBU Give Back Group in July 2022 to support the 5th annual Courage for Kiera Yard Sale and Bake Sale in Altoona, Pennsylvania. The Yard Sale raised $14,800, and through the Chirdon’s participation, GBU provided a$2,000 match.

Cathy and Robert’ s granddaughter, Kiera , was diagnosed with a rare form of cancer at nine years old. She fought bravely for 7-1/2 years and passed away in 2017. Kiera ’s passion was music, and she played violin. Kiera ’s friend Madi organized the yard sale to raise funds so the Courage for Kiera Foundation could provide scholarships to local high school students.

“This yard sale helps keep Kiera ’s memory alive and to give the scholarships, help keep her memory alive and it means a lot to me and her family,” Cathy told WTAJ-TV in Altoona, Pennsylvania.

Cathy and Robert are part of a group of community members who hold monthly yard sales to benefit other local charities. They can raise additional funds for their causes with the GBU match as Give Back Group members.

Dear GBU Life,

Thank you so very, very much for the generous give back donations to the charities close to my heart!

God Bless,

Cathy Chirdon

Give Back Groups

If you are working to raise funds for an organization that impacts your local community, GBU will match the funds you raised up to $1,000 per GBU member in your group to a maximum of$5,000 per group. You can do your fundraising any way you like: in person, through a mail campaign or even via Facebook. The funds matching must be for a qualifying 501-c(3) organization that impacts your local community. The organization must have a listing on Charity Navigator.

VISIT GBUCARES.ORG/GIVE-BACK-GROUPS TO REQUEST APPROVAL FOR YOUR GIVE BACK GROUP.

One Member at a Time 2022

Tue, 25 Oct 2022 12:31:42 GMT

The One Member at a Time program introduces new members to the GBU fraternal spirit of Making a Difference in the lives of others. Through this program, at the time of application, each new GBU member gets the opportunity to select one charity to which GBU donates $25 on their behalf.

Funds raised from January 1, 2022-July 31, 2022

2022 Operation Reach Out

Fri, 21 Oct 2022 17:25:45 GMT

OPERATION REACH OUT

GBU is preparing to pack both quarterly care packages and holiday stockings for our deployed military service members and veterans in need. Here's how you can help!

Volunteer

Join us at Operation Troop Appreciation (OTA) in West Mifflin, PA, on Saturday, October 22 , for our quarterly packing event or Saturday, December 3 , for OTA's Deck The Halls event.

Donate

Sponsor a care package or stocking for just $15 or donate any amount to help with the project! You can donate online at gbucares.org/donate .

Host

Team up with fellow GBU members in your area to host your own packing event. Email memberbenefits@gbu.org for a toolkit on how to pack care packages and stockings, what to put in them, how to ship them and how to request funding for your project!

Send a card

Download a card to color or send a note of thanks via the Operation Reach Out website.

Donate or volunteer at GBUCares.org/operation-reach-out .

Thank you to our Operation Reach Out donors through July 30, 2022

District 171-Pittsburgh, PA
District 630-Ann Arbor, MI
District 701-Pontiac, MI
District 817-Philadelphia, PA
District 2000-ULS
District 4000-Sokol USA
District 4000-Sokol USA Lodge 12
Bernice F. Allen
Linda M. Aponik
Robert Bistarke
Rose Ann Brown
Elfriede Bruns
Sieglinde Buchholz

Robert M. Burkhart
Nick and Linda Ciappa
Juanita A. Collet
Michele Dongweck
D.R. Chatak Insurance Services LLC
Joyce J. Emerick
Annemarie Kopp
Milan Kovac
Betty Mattes
Thomas McKown
Barbara A. Moran
Roger Pergola, National Brokerage Services, Inc.

Hans and Marianne Rauer
Claudia Rednak
Joan Rhoads
Joyce Shea
Joan M. Siwula
Donald and Karen Smith
Raymond Spagnolo
Spencer United Methodist Women
Barbara L. Thomas
Charlette Vitalos
George Wollner
Donald K. Young

Transition Your Home Through the Holiday Season

Wed, 19 Oct 2022 18:05:24 GMT

Photo source (l to r) Amazon.com , Domesticallyblissful.com and jennasuedesign.com

An AmazonSmile Style Guide

Eucalyptus Garland

A garland of eucalyptus works as a solid base that can be used to transition your décor from fall to winter with ease. In the fall, pair this string of beautiful, green leaves with white pumpkins (real or faux) to achieve a classic, upscale and timeless feel. For a modern farmhouse approach, this eucalyptus strand goes well with wooden, beaded décor and natural tones.

In the winter, opt for more color by adding cranberry, pomegranate or dried orange slices. This strand of garland can bring life to a mantle, adorn the family table during your holiday meal and bring cheer to your front door in the shape of a wreath. Twist the garland with a strand of pine then adorn with ornaments and string lights to create a seasonal warmth that only winter can bring.

Photo source Julieblanner.com

Photo source halfbakedharvest.com

Gold Candlesticks

Introducing warmer hues into your décor during the cooler months is a contrast that will lift your spirits as daylight fades earlier and earlier each day. Gold candlesticks are an easy and welcome addition to any mantle or table, and even compliment the garland mentioned above! Autumn is a great season to explore different textures next to the sophisticated structure of a gold candlestick. Natural elements such as wood, wicker and clay are on trend and easy to style for fall holidays.

Winter is a great time to be playful with colored taper candles and jewel-toned ornaments. Create a classic, elegant display above a roaring fireplace, and watch the flickering flames of your candles dance to holiday music. The contrast of the bright, symmetrical shape of a gold candlestick amongst the subdued, organic and free-flowing shape created by a eucalyptus garland creates a visually interesting display that infuses a room with style.

Photo source blessthisnestblog.com

Photo source jenniferrizzo.com

Throw Pillows

Throw pillows with interchangeable covers are a staple in transitional home décor. With removable pillow covers, you can easily wash them, and swap them out each season without breaking the bank! In order to visually anchor your set of throw pillows, opt for an 18"x18’’ pillow cover that’s neutral and matches your sofa. Use a 12"x20’’ throw pillow as an accent that will represent the seasonal aesthetic you’re trying to achieve. In the example below, we chose a burnt orange for autumn and a forest green for winter. Both covers are velvet, which brings a warm textile to the mix and makes your couch extra cozy during the cooler months. Don't be afraid to mix and match patterns and textures!

Holiday Season Product Guide

Ugly Sweater Member Contest

Tue, 18 Oct 2022 19:46:02 GMT

Enter your sweater for a chance to win gift cards!

For contest rules and more information, visit

inside.gbu.org/ugly-sweater

Board of Directors Election Results

Tue, 18 Oct 2022 18:37:34 GMT

We are pleased to announce the results of the 2022 GBU Financial Life Board of Directors election.

Serving a Four-Year Term:

David Bevins

Lea Ann Hazi

Christina MacKellar

David Pringle

Serving a Two-Year Term:

Joseph Bielecki

Donna Brophy

John Schmotzer

In the future, board elections will occur every two years with elected directors serving a four-year term. The next election will take place in 2024. Thank you to all of you who took the time to vote for the GBU Board of Directors. We appreciate your input and consideration. Congratulations to our elected board members. We look forward to working with you on the future growth and success of GBU!

Cutting the Cord on Your Cable: A How-To Guide

Tue, 18 Oct 2022 17:23:17 GMT

Want To Save $75-$100 Each Month? Here’s How!

In the beginning, there was cable TV. One package, maybe 24 channels, take it or leave it. Next, technology brought about a 500-channel universe that included a lot of programming you weren’t interested in but paid for anyway. Then came streaming services, football packages and the infinite possibilities of Internet connectivity and the World Wide Web. Now all of this is costing you $250 a month and you’re thinking, as David Byrne sang, “How did I get here?” It’s intimidating, but in most households it’s also an easy opportunity to save $75-$100 a month while improving your entertainment options. It only seems complicated because the providers want it to seem complicated, because that creates what the marketers call “lock in,” which is never a good thing for consumers.

Here’s the thing: you’re not locked in. You’re standing at the precipice of a cable-free world that is faster, better and cheaper than what you have. More than 55% of American households have already abandoned cable TV. They’re enjoying monetary savings, faster Internet service, expanded programming options, more storage for recorded programs, higher quality video and a reduction of clutter around their TVs.

Here’s how you can join them.

Programming Provider $70

If you want news, sports, live local channels and all the basic cable networks you’ve come to love, you’re going to need a programming provider. This is the part of cutting the cable that involves the most shopping around. While you’re choosing, remember: if you opt for a service you don’t like, you can opt-out anytime you want. Most of the services offer a free trial period so you can shop around without any cost or obligation. When I was cutting the cable, I signed up for two services at the same time to see which I liked better. It didn’t cost me a nickel.

Channel lineup–The major services generally carry the familiar networks of basic cable, but they can be quirky and vary depending on your location. Make sure the service you choose has the programming you want.
DVR capacity–How many hours of video can you record? I’m partial to services that allow infinite recording, but you may not be collecting every episode of 31 different TV series the way I am.
Number of simultaneous users–Because you’re shifting from cable to wireless within your home, you can easily add TVs and devices to your network. While you can activate as many devices as you want, the services limit how many devices you can watch at the same time without paying extra. Three streams at a time is generally the base, which includes watching by phone or computer from places other than your home.

All of the services have automated registration and installation, but if you run into problems, you know what to do: YouTube. Search the problem you’re having, and someone will have an easy answer.

The biggest services are Netflix, HBO, Disney+ and Amazon Prime. There are new services almost every month. Some have specialties–horror movies, children’s programming, French soap operas–and others offer hybrid packages where you get some programs for free but pay for others. Or maybe you have to endure commercials unless you pay, in which case you don’t. If you were paying $250 a month for your cable and programming packages, by cutting the cable you’ve saved almost $100, and you have faster Internet service, more video storage, more devices from which you can watch and some impressive new programming options. You have, in other words, the budget to add a couple of services if you like. But there’s something else, too. According to a recent Pew survey, 60% of Americans says they can’t afford to put money away for the future. Here’s your opportunity.

You think this savings won’t add-up? Well, we’ve done some rough math. If you were to put the $75 a month you’re saving into an annuity paying, say 4%, in 10 years you’d have roughly $11,000. That is where GBU can help.

2022 Scholarship & Grant Recipients

Tue, 18 Oct 2022 16:21:42 GMT

Congratulations to this year's group of students who have been awarded scholarships and grants from the GBU Scholarship Foundation.

2022 Freshman Scholarship Awards

These students each received a $1,500 GBU Foundation Scholarship.

McKenna Coots

District 999-National

Exercise/Therapeutic Science

Liberty University

Amber Cross

District 2000-ULS

Physical Therapy

Slippery Rock University

Kelby Dall

District 819-Milwaukee, WI

Early Childhood Education and History

University of Wisconsin - Madison

Bert Waltenberger Memorial Scholarship

Katie Davis

District 404-St. Louis, MO

Health Science

University of Florida

Amanda Dosey

District 630-Ann Arbor, MI

Nursing

University of Toledo

Croix M. Horsley

District 817-Philadelphia, PA

Economics

Vassar College

Alexander Jurkovich

District 810-Cleveland, OH

Human Biology

University of Southern California

Preston Korytkowski

District 707-Grand Rapids, MI

Computer Science

Michigan State University

Bence Kovacs

District 3000-HRFA

Civil Engineering

Northeastern University

Abigail Miller

District 684-Pittsburgh, PA

Mechanical Engineering

University of Rochester

Magdalena Miller

District 684-Pittsburgh, PA

Chemical Engineering

University of Pennsylvania

Caroline Peek

District 815-Dayton, OH

Early Childhood Education

Bowling Green State University

2022 Clarence O. Affelt Architecture/Fine Art Memorial Scholarship

This student received a $1,000 scholarship.

Luke Brickley

District 146-Johnstown, PA

Engineering

Pennsylvania College of Technology

2022 Undergraduate Scholarship Awards

These students each received a $1,000 GBU Foundation Scholarship.

Antonio Campitell

District 999-National

Exercise Physiology

Saint Francis University

Dylan DeDominicis

District 999-National

Business

Duquesne University

Nicole Faulhaber

District 999-National

Marketing

University of Akron

Benjamin Ferrara

District 2000-ULS

Computer and Information Technology

University of Colorado - Colorado Springs

Klayton Hacker

District 999-National

Computer Science

University of Cincinnati

Brandon Himes

District 999-National

Safety Management

Slippery Rock University of Pennsylvania

Anna Jurkovich

District 810-Cleveland, OH

Finance

Indiana University

Jacob Konopski

District 4000-SOKOL USA

Integrated Media and Strategic Communication

Mercyhurst University

Matthew Mealwitz

District 2000-ULS

Business Management

Ashland University

Benjamin Tarkanyi

District 3000-HRFA

Mechanical Engineering

Lawrence Technological University

2022 Graduate Scholarship Awards

These students each received a $1,000 GBU Foundation Scholarship.

Annaliese Bangert

District 999-National

Nursing

Spring Arbor University

Lisa Freeman

District 999-National

Advanced Practice Nurse

Cedarville University

Makayla Himes

District 999-National

Doctor of Occupational Therapy

Chatham University

Emily Jadin

District 999-National

Master of Science in Physician Assistant Studies

Carroll University

Ian Kelly

District 2000-ULS

MFA in Documentary Media

Northwestern University

Caitlin Ulrich

District 684-Pittsburgh

Occupational Therapy

Duquesne University

Two-Year Scholarships

These students each received a $1,000 GBU Foundation scholarship.

Kayley Monro

District 999-National

Psychology

Community College of Allegheny County

Mackenzie Stinson

District 999-National

Horticulture

Fox Valley Technical College

Scholarship Renewals

Freshman Renewals ($1,500)

Madison Ancosky

District 4000-SOKOL USA

Industrial Engineering

West Virginia University

Devin Borowski

District 999-National

Real Estate

University of Wisconsin - Madison

Bert Waltenberger Memorial Scholarship

Michael Alex Bradley

District 684-Pittsburgh, PA

Aeronautics

Kent State University

Peter Carozza

District 171-Pittsburgh, PA

Mechanical Engineering

Pennsylvania State University

Marissa Collins

District 999-National

Accounting

Robert Morris University

Nicholas Doman

District 630-Ann Arbor, MI

Biochemistry

Trinity University

Lindsey Dugan

District 3000-HRFA

Early Education and Special Education

Slippery Rock University

Jordan Fairman

District 4000-SOKOL USA

Phyiscian Assistant

Seton Hill University

Joseph P. Freck

District 999-National

Electrical Engineering

Purdue University

Van Breukelen Family Scholarship

Leslie George

District 999-National

Bioengineering

University of Pittsburgh

Elena Gioiello

District 3000-HRFA

Biology Pre-dental

Walsh University

Mario Gioiello

District 3000-HRFA

Multi Engine Instructor

Avit Flight Academy

Ethan C. Gresh

District 510-Toledo, OH

Bachelor of Science of Nursing (BSN)

Eastern Michigan University

Andrew Kalmanowicz

District 2000-ULS

Actuarial Science

Lebanon Valley College

Shelby Korytkowski

District 707-Grand Rapids, MI

Biology/Pre-Veterinary Medicine

Central Michigan University

Josh Koval

District 500-Lilly, PA

Dual Major: Biochemistry/Chemistry

Saint Francis University

Dylan Kundrod

District 291-Summerhill, PA

Computer Science

University of Pittsburgh at Johnstown

Grant Martin

District 999-National

Business Administration Accounting Focus

Penn State University-Beaver

Elijah McClymonds

District 999-National

Mathematics

Slippery Rock University

Macy Miscikowski

District 510-Toledo, OH

Psychology

Michigan State University

Katarina Mondor

District 684-Pittsburgh, PA

Comedic Arts

Emerson College

Aidan Niermeyer

District 999-National

Biology

University of Wisconsin - Madison

Bailey Orr

District 999-National

Law

Florida State University - College of Law

Elizabeth Rajnik

District 2000-ULS

Occupational Therapy

Elizabethtown College

Elizabeth Rehwinkel

District 4000-SOKOL USA

Chemistry Major

Smith College

Bert Waltenberger Memorial Scholarship

Emma Sanders

District 2000-ULS

Biology and Psychology, Pre-Med

Juniata College

Adrienne Schupp

District 4000-SOKOL USA

Economics and Finance

John Carroll University

Cambrie Short

District 999-National

Political Science

Duquesne University

Joshua Speaker

District 999-National

Accounting

Bethany College

Nicole Walko

District 4000-SOKOL USA

Neuroscience/Pre-Med

Trinity University

Kenna White

District 646-Coraopolis, PA

Chemistry

Juniata College

Marley Wolf

District 999-National

Chemistry

Waynesburg University

Kelsey Wolfe

District 999-National

Middle Childhood Education

Ohio Wesleyan University

Michael Zemanek

District 810-Cleveland, OH

Engineering

Washington University in St. Louis

Freshman Renewals ($500)

Clarence O. Affelt Architecture/Fine Art Memorial Scholarships

Morgan Glista

District 999-National

Graphic Design

Arcadia University

Peyton Korytkowski

District 707-Grand Rapids, MI

Interior Design

Central Michigan University

Julia Platt

District 999-National

English

Ohio University

The Mary M. Pocorus Memorial Scholarship

Jared Klaber

District 999-National

Chemical Engineering

University of Cincinnati

The Frank F. Pocorus Memorial Scholarship

Alexis Feldman

District 999-National

International Affairs & Cultural Anthropology

Northeastern University

The Dr. Ludger F. Pocorus Memorial Scholarship

Kelsy H. Cross

District 2000-ULS

Law

Louisiana State University

The Ronald Pocorus Scholarship

Maximilian Ehinger

District 630-Ann Arbor, MI

Earth Science

Eastern Michigan University

Undergraduate Renewals ($1,000)

Presley Dougherty

District 291-Summerhill, PA

Mechanical Engineering

Pennsylvania State University

Cassidy Dubendorfer

District 510-Toledo, OH

Early Childhood Education

Bowling Green State University

Mara Harouse

District 684-Pittsburgh

Natural Science Major, Pre-Health track

University of Pittsburgh

Chadwick Huss

District 510-Toledo, OH

Medicine

University of Toledo College of Medicine

Crystal L. Jones

District 999-National

Nursing

Liberty University

John Koch

District 4000-SOKOL USA

Physical Education & Health K-12

Kean University

Katherine Koch

District 4000-SOKOL USA

BFA Dance / Pre-Med

University of Hawai’i

Gage Krumlauf

District 2000-ULS

Mechanical Engineering

Cleveland State University

Kevin Mealwitz

District 2000-ULS

Supply Chain Management

Ashland University

Robert Redinger

District 684-Pittsburgh

Business Administration/Finance

Waynesburg University

Barbara Simon

District 3000-HRFA

Undergraduate Programme (M.D. degree)

Semmelweis University Faculty Of Medicine

Caitlyn Urban

District 3000-HRFA

Master's of Education: Educational Leadership

Pennsylvania West University

Stephanie Walters

District 999-National

Dentistry

Creighton University School of Dentistry

Graduate Renewals ($1,000)

Christina Mealwitz

District 999-National

Masters in Genetic Counseling

Case Western Reserve University

Brittney Tarkanyi

District 3000-HRFA

Law

Belmont University School of Law

2022 Personal Giving Grants

These students received a $500 grant made available by the personal donations of those listed.

James R. Stoker Memorial Education Fund Grant

Emma Henschel

District 999-National

Architecture

University of Notre Dame

John P. Albright Grant

Dallas Larimer

District 4000-SOKOL USA

Undecided Major

Undecided School

Former District 496—Gill Hall, Pennsylvania Educational Grant

Marin Schmitt

District 999-National

PhD in Public Health

University of Wisconsin-Milwaukee

Former District 491—Granit City, Illinois Grant

Josh Bierlein

District 699-Frankenmuth, MI

Early Childhood Education

Western Michigan University

James R. Stoker Higher Education Grants

Jacob Dubendorfer

District 510-Toledo, OH

Business

Bowling Green State University

Amy Eilerman

District 999-National

Supply Chain Management and Business Management

Bowling Green State University

Jacob Klein

District 2000-ULS

Engineering

University of Florida

Mason Muto

District 146-Johnstown, PA

Teacher Education

University of Pittsburgh at Johnstown

Kaitlyn Slezak

District 4000-SOKOL USA

Choral Conducting

Messiah University

Jim Stenske

District 510-Toledo, OH

Biomedical Engineering

University of Iowa

Rachael K. Wallace

District 3000-HRFA

Mechanical Engineering

Grove City College

Madison Walters

District 999-National

Business

University of Wisconsin - Madison

Devon Watz

District 2000-ULS

Communications

Northern Arizona University

2022 GBU Foundation Grants

These students received a $500 grant from the GBU Foundation.

Ashlee Bair

District 999-National

Computer Software

La Roche University

Joelle Beaumariage

District 999-National

Marketing

Duquesne University

Sarah Beckage

District 3000-HRFA

Biology

Syracuse University

Hailey Biehl

District 2000-ULS

Psychology

Kent State University

Josephine Bielecki

District 4000-SOKOL USA

Dietetics

Missouri State University

Jonathan Bodenschatz

District 291-Summerhill, PA

Undecided Major

Pennsylvania State University

Rachel Brinkman

District 999-National

Church Music

Concordia University

Chole Brzozowski

District 815-Dayton, OH

Finance

Pennsylvania State University

Dylan Cannon

District 684-Pittsburgh, PA

Civil Engineering

Geneva College

Alyssa Dall

District 817-Philadephia, PA

Grand Valley State

Briley Dall

District 819-Milwaukee, WI

Clinical Exercise Physiology

University of Wisconsin La Crosse

Caleb Dall

District 819-Milwaukee, WI

Finance

Winona State University

Grace Dietrich

District 999-National

Athletic Training

Duquesne University

Zachary Dosey

District 630-Ann Arbor, MI

Electrical Engineering

Wayne State University

Alyssa Drost

District 1000-LFA

Communicative Sciences and Distorders

Michigan State University

Chad Durante

District 999-National

Accounting

Franciscan University of Steubenville

Angel Starr Eisenhuth

District 999-National

Bachelor's Degree in Microbiology

Michigan State University

Christopher Elish

District 4000-SOKOL USA

Economics

Pennsylvania State University

Claire Fraley

District 999-National

Business

Florida Gulf Coast University

Gabrielle Franklin

District 999-National

Diagnostic Medical Sonography

Clarion University

Dani Gindville

District 084-Lancaster, PA

Biology

Rutgers University

Delaney Gordon

District 999-National

Biology/Pre Medicine

Bucknell University

Garrett Gresh

District 510-Toledo, OH

Education

Saginaw Valley State University

Katharina Hacker

District 999-National

Social Work

University of Kentucky

Sarah Catherine Harouse

District 684-Pittsburgh, PA

MS in Global Health

University of Notre Dame

Jonathan Henschel

District 999-National

Psychology

Queens University of Charlotte

Nicole Himes

District 999-National

Engineering

Saint Francis University

Victoria Holtz

District 2000-ULS

Chemistry

Miami University

Kiera Jones

District 999-National

Fine Arts

Miami Dade College

Eric Klaber

District 999-National

Arts

Ohio University

Teresa Klaber

District 999-National

Duquesne University

Hannah Lajti

District 510-Toledo, OH

Physical Therapy

Cleveland State University

Jess Lichota

District 999-National

Biology

Coastal Carolina University

Lauren Mahler

District 510-Toledo, OH

Medical Library Science

University of Cincinnati

Madox Muto

District 146-Johnstown, PA

University of Pittsburgh at Johnstown

Christian Peek

District 815-Dayton, OH

Marketing

Bowling Green State University

Rachel Redinger

District 684-Pittsburgh, PA

History

Waynesburg University

Louis Schmid

District 999-National

Biology

University of Maine

Kaitlyn Schupp

District 4000-SOKOL USA

Accounting

John Carroll University

Elizabeth Sensebaugh

District 999-National

Nursing

University of North Carolina at Greensboro

Hannah Skalos

District 999-National

Business

Gannon University

Ellie Slezak

District 4000-SOKOL USA

Education

Grove City College

Eva Spangler

District 999-National

Law

Yale University

Lorenzo Sprockett

District 999-National

Business

University of South Carolina

Brooke Studebaker

District 999-National

Psychology

University of Wyoming

Ashley Thornburg

District 3000-HRFA

Animal Sciences, Agriculture

Tennessee Tech University

Victoria Tunney

District 999-National

Nursing

University of Rhode Island

Nate Upole

District 2000-ULS

Architectural Engineering

University of Cincinnati

Clark Visca

District 2000-ULS

Business

University of Utah

Nicholas Walters

District 999-National

Biology

University of Wisconsin-Eau Claire

Angela Wharton

District 45-Altoona, PA

English and Foreign Languages

St. Francis University

James Wharton

District 45-Altoona, PA

Computer Software

St. Francis University

Avery J Wolf

District 999-National

Marketing

Marietta College

Sydney Wolf

District 999-National

Clinical Mental Health Counseling

Lewis University

Adelia Young

District 999-National

Speech Pathology and Audiology

Kent State University

Ericka Zeigler

District 3000-HRFA

Political Science

Slippery Rock University

2022 High School Freshmen Grants

These students received a $250 grant from the GBU Foundation.

Brayden Douglass

District 171-Pittsburgh, PA

Oliver Garraway

District 3000-HRFA

Elizabeth Holtz

District 2000-ULS

Austin Johnson

District 1000-LFA

Will Kirila

District 2000-ULS

Warner Korytkowski

District 707-Grand Rapids, MI

Finn Musial

District 999-National

Kelsie Muto

District 146-Johnstown, PA

2022 GBU Community Scholarships

These students received a $1,000 scholarship from the GBU Foundation.

Nathaniel Okwu

Baldwin High School

Accounting and Economics

Lake Forest College

Cecilia Foley

Brentwood High School

Graphic Design

Kent State University

Want to be a part of GBU's famous Scholarship and Grant program?

Consider the GBU Foundation in your giving plans. You can plan to leave a legacy with a perpetual grant, honor a loved one with a one-time grant or be a regular donor to the Foundation.

Make a general donation at gbucares.org or contact Charitable Giving Specialist Ken Elliott ( kenneth.elliott@gbu.org ) if you are interested in designating a grant.

One-Time Grant

Designate a one-time grant to remember or honor a loved one with any donation to the GBU Foundation of $500 or more.

Perpetual Grant

Designate a $500 grant to remember or honor a loved one that renews in perpetuity with a donation to the GBU Foundation of $15,000.

General Fund Donation

Donations to the GBU Foundation in any amount are appreciated. Your donations help GBU to fund more grants and scholarships for our members and our communities.

In Memoriam: April-July 2022

Fri, 05 Aug 2022 12:59:04 GMT

A tribute to members we have lost.

Death Claims Paid Out: April–July 2022

GBU extends its sincerest sympathies to the bereaved families of its deceased members.

Fresh Garden Recipes

Wed, 20 Jul 2022 22:28:06 GMT

With Ingredients From Your Garden

Three Tips to Beat the Heat and Stay Hydrated

Wed, 20 Jul 2022 20:13:52 GMT

Summer is here and whether you’re gardening, on the way to the park or jumping in the pool, it’s important to stay hydrated. Here are three tips to beat the heat and stay hydrated on warm, summer days.

Drink Water

This may seem like a no-brainer, but most people don’t drink enough water to stay hydrated throughout the day. A good way to ensure you’re getting enough is to make drinking a glass of water a part of your daily routine. For example, drink a full glass of water when you take a vitamin or medication, or make a rule that family members can’t leave the table until they finish a glass of water. The classic six to eight ounce glasses of water a day is a great goal. But you may need a few more glasses depending on your activity throughout the day.

Not a fan of plain water? Add cucumber, lemon or orange slices to your glass of water to add a hint of flavor without adding calories.

Eat High-Water Content Fruits and Vegetables

When you’re feeling run-down, snack on fruits and vegetables that have high-water content such as grapes, watermelon, celery, cucumbers and apples. Not only do these foods make great snacks on the go, but they can help you stay hydrated in the summer heat.

Cut Back on Sugary Drinks

While drinking an energy drink or soft drink when feeling fatigued may seem like a good idea, it’s not in your best interest. Drinks with sugar, caffeine and alcohol will dehydrate you as they act as a diuretic, which means going to the bathroom more frequently. In short, you will lose fluids versus maintaining or increasing them. So, if you’re out to dinner and end up ordering a margarita or are out shopping and grab a soft drink in the checkout lane, be sure to drink a full glass of water afterward to balance it out.

Beat the Heat

Wed, 20 Jul 2022 20:04:57 GMT

A Toolkit to Make it Through Summer's Hottest Days

Although most of us are completely thrilled to have the never-ending blustery winter and dreary spring of 2021 behind us, it only takes a few humid, sticky days to start to wonder why you were in such a hurry for summer after all. Here is a toolkit for those of us who don't have a sparkling pool or a beach vacation planned ... because we deserve an enjoyable summer too.

Splashpad, Sprinkler or Slip N Slide:

The beauty of the 3 s's is that once you connect them to your outdoor water source, they provide hours of entertainment without having to refill. These water activities are very easy solutions to keep your kiddos cool and entertained during summer's hottest days. And if you don't mind a little splash, they can be great for adults too. Just pop open a lounge chair and crack a cold one because if you aren't going on vacation, you deserve a stay-cation.

Frozen Fruit Kabobs:

What screams summer more than a kabob? Add frozen fruit to the beginning of that and you have the perfect summer beat-the-heat treat. Simply add your favorite fruit to a kabob stick and drizzle with chocolate, strawberry or caramel syrup. Pop them in the freezer for an hour and you are ready to go!

A Day Trip to the Lake:

Check the weather forecast and pick a day that calls for blue skies, high temperatures and sunshine. Fill your cooler to the brim with beverages, sandwiches and snacks, and throw the lawn chairs in the trunk. Why not bring the shade tent while you're at it? This is a full-day excursion so you might as well have everything you need to make the lake "home" for the day.

Swap the Oven for the Grill:

Instead of heating up your house with a dinner that requires your oven, pick your favorite, mouthwatering recipes for the grill and have some friends over for dinner outside.

Districts in Action 2022

Fri, 15 Jul 2022 15:55:42 GMT

Cheers to another successful Districts in Action fundraiser! Each year, GBU districts across the country choose a local organization to support. GBU kicks off the program with a $1,000 donation to each district’s local organization. Then we match member donations made to the organization through March 31, up to $2,500. Below is the list of the districts that participated, the organizations they selected and the total donation amount.

DISTRICTS IN ACTION 2022 PHOTO GALLERY

Learn more about GBU districts and how to join one when you visit the GBU Life Member Community at community.gbu.org and click on GBU Life Districts.

A Gift for Generations

Fri, 15 Jul 2022 14:35:40 GMT

Looking for a way to support future generations of GBU members? Donate to the GBU Foundation. Your gift helps to fund grants and future scholarship programs for GBU members attending 2-year, 4-year or graduate programs.

You can make a one-time donation to the GBU Foundation online at gbucares.org or send a check to the address below:

GBU Fraternal Operations

PO Box 645989

Pittsburgh, PA 15264-5257

Interested in doing more?

Contact the GBU Fraternal Department at memberbenefits@gbu.org if you are interested in funding a GBU Perpetual Education Grant.

2022 Operation Reach Out

Fri, 15 Jul 2022 14:10:22 GMT

Helping those who serve for us.

In 2021 GBU Life, along with our members sent more than 7,000 care packages to deployed troops and local veterans in need. We contributed funds to donate needed items such as bedding, exercise equipment, food and hygiene supplies. These items were sent along with warm wishes from our GBU members in the form of cards and letters.

For 2022, we will again be meeting for in-person packing events. During these quarterly events, we will be sorting and packing hygiene, snack and leisure kits, which contain common wish-list items that we will be able to send to our deployed troops when they are requested. You can support Operation Reach Out by volunteering to help pack, making a donation or simply by coloring cards to send with the care packages.

Our next packing day is scheduled for Saturday, October 22, 2022, at the Operation Troop Appreciation Headquarters. Visit community.gbu.org/events and scroll down to “ORO Quarterly Pack N’ Prep: October Event” to register as a volunteer.

Here’s how you can continue to help

Send a card

Download a card to color or send a note of thanks. Cards are available for download at gbucares.org/downloads .

Donate

Donate to this year's Operation Reach Out project by filling out the form to the left and sending it, along with your check, to the address listed. Or you can donate online at gbucares.org/donate .

Learn more at gbucares.org/operation-reach-out

Give Back Group Project Spotlight

Fri, 15 Jul 2022 13:34:55 GMT

GBU Members Use Give Back Groups Project Start-Up Funds to Collect Items for Wayne County Dog Shelter

Pictured above: GBU members Dorene and husband, Mark with one of the shelters furry friends.

Dorene, John Mark, Bradley and Paula, GBU members from Wooster, Ohio, used Give Back Groups Project Start-Up Funds to help a local dog shelter in their area.

Group leader Dorene inquired with Wayne County Dog Shelter in Wooster, Ohio, to determine which items it was in most desperate need of. Those items included blankets, collars, leashes, cleaning supplies, laundry detergent, treats and sturdy toys.

Knowing how expensive pet supplies can be, Dorene did a lot of research ahead of time and organized her list to find the places she could “get the best bang for her buck.”

Dorene held on to all of her receipts for her purchases and submitted them to GBU for reimbursement. Through the Project Start-Up Funds program, GBU reimburses up to $250 per GBU member in the group. Since Dorene had three other GBU members in her group, GBU reimbursed the team $1,000 for their shopping supplies.

The shelter and its supporters were extremely thankful to receive all of the items the team purchased. It was thanks to Dorene’s impressive bargain hunting and creativity in understanding how the project could work for her group’s needs. Go Dorene!

Apply for Project Start-Up Funds for your next project at gbucares.org/give-back-groups

10 High School Study Tips

Mon, 11 Jul 2022 20:54:58 GMT

10. Build self-confidence as you master your study habits.

Three Quick Breakfast Ideas for High Schoolers on the Go!

Mon, 11 Jul 2022 20:03:01 GMT

Mornings can be a challenge for many high school students. Oftentimes, breakfast is forgotten about in the morning rush. Luckily, parents and teens alike can take note of these three quick breakfast ideas for high schoolers on the go.

Berry smoothie

Smoothies typically contain a fruit, a liquid and a thickener. A simple berry smoothie consists of one cup of frozen mixed berries, 6-8 ounces of almond milk, ½ cup of Greek yogurt and a banana. This beverage is high in nutrients and antioxidants and may help you feel fuller for longer.

Make it!

Put desired ingredients into a blender and hit mix. Pour liquified contents into a tumbler with a straw, take a sip and head out the door.

Avocado toast

This Instagram-worthy breakfast not only tastes good but provides a fantastic source of vitamins, fiber and healthy fats. All you need is one large avocado, the right seasoning and a slice or two of whole-grain bread.

Make it!

In a small bowl, mash an avocado with a fork until chunky. Season with salt, pepper, and garlic. Toast a piece of whole-grain bread and then spread the mashed avocado mixture on top. Enjoy the toast as is or, get creative with some finishing touches like sprinkling some Everything but the Bagel Seasoning on or adding a fried egg. No matter how you top it, it’s delicious.

Breakfast bento box

A bento box is traditionally a Japanese take-out lunch comprised of rice, fish and vegetables. The container itself has dividers that separate each meal component. Using the same concept and swapping out ingredients, you can create a homemade, breakfast-bento box that fits your taste. For example, pack a hard-boiled egg, fresh berries, string cheese and a handful of mixed nuts. Alternate food items throughout the week or stick to the same menu.

Make it!

Channel your inner toddler and choose finger foods that make for a good breakfast. Gather ingredients like fresh fruit, yogurt, granola, trail mix, peanut butter or cheese, and assemble your breakfast bento box!

What’s great about the breakfast ideas listed here is they are all customizable to individual taste, are quick to put together and are a healthy way to start the day.

Fashion Trends

Mon, 11 Jul 2022 19:33:14 GMT

2022 HIGH SCHOOL TRENDS YOU CAN’T MISS

Chunky Black Boots

Whether it’s a classic combat boot or a short ankle booty, chunky, dark leather boots are a great way to make a subtle outfit a little edgier.

Cargo Pants

Surprise! Canvas cargo pants are back. Not only are they light and comfy, they offer the storage you didn’t think you needed, and they can be a nice break from jeans or sweats.

Long Parka

2022 fashion is all about comfort. That means subbing out your cropped, sports jacket with a warm, oversized parka.

Double Sweats

Knowing that 2022 is all about comfort, what is more comfortable than a soft, cotton hoodie paired with sweat shorts. Yes, I said “sweat shorts,” and if you already knew they existed, you probably already own a pair in every color.

Plain cotton tee

Let's not complicate things. It’s nice to make a statement every once in a while, but you don’t always have to have a phrase or a brand name across your chest. Simplify and minimalize your wardrobe with a few 100% cotton tees, and just let your personality do the talking.

Preparing for Your Future

Mon, 11 Jul 2022 19:31:52 GMT

Are you wondering what’s next once you graduate from high school? Take some time to determine your next move with these helpful tips.

Don’t limit yourself by thinking inside the box. Use this time to consider your interests, hopes and aspirations. Do you want to travel? Do you want to own a home on the beach? Have you always wanted a classic car? What about starting your own business? Want to attend trade school or college? Make a list with your wildest dreams.

Engage in conversations with others. Expand your network to include new friendships and contacts. Through this, you can learn how others obtained their goals, gaining insightful tips and tricks of the trade. Networking also provides the opportunity to find a mentor that can help you navigate through your future path.

Wondering why you should make a list of your dreams? It’s a reference to help set your goals! Organize your objectives with realistic expectations. Consider categorizing your goals with daily, weekly, monthly or yearly sections.

Now is the time to attempt something different. Exploring new options enables learning and growth, which could eventually open doors you never knew existed. Have an open mind and give something new a chance.

Back to School with AmazonSmile

Mon, 11 Jul 2022 19:28:54 GMT

High School Senior Edition

6 Health Benefits of Swimming for Older Adults

Wed, 06 Jul 2022 03:34:08 GMT

Put your swimmies on . . .

It is a Low-Impact Exercise Ideal for Aging Joints.

Improves Flexibility & Range of Motion.

Promotes Socialization.

Improves Heart Health.

Improves Stability, Reducing the Risk of Falls.

Boosts Mental Health.

VIP Perks! Day at the Museum

Wed, 06 Jul 2022 02:10:43 GMT

I took advantage of Buy One Get One offer for the Carnegie Museum of Natural History from VIP Perks. It turned into a fun day out for my family!

As one of the country’s largest and most respected natural history museums, Carnegie Museum of Natural History plays a critical role in both the Pittsburgh region and the international scientific community by conducting research and presenting exhibitions and programs that highlight the interdependence of humanity and nature and advocating for the protection of the earth and its inhabitants. The museum’s millions of objects and specimens form one of the world’s great archives of biodiversity and the history of life. The incredible dinosaur exhibit and interactive "dinosaur dig" has always been a favorite of my son. The museum showcases animal life from dinosaurs to North American wildlife. From gems and doll houses to insects and ancient Egypt, there is something for every interest. Our VIP Perks! membership allowed us to get a free ticket when we purchased one at full price, which saved us $20 on our visit.

Enjoy local and national discounts on dining, entertainment and services. You can print coupons from home or simply redeem them from the mobile app!

Deep discounts, up to 50% and BOGO
National, regional and local discounts
Best-in-class offers, up to 50% off, on things you do everyday.
Save on dining, attractions, activities shopping, services travel and more!

Save locally and when you travel. Offers from VIP Perks! by Entertainment® are available in 10,000+ US and Canadian cities.

This new GBU Life member benefit is provided at no charge for both insured and social members, but you do need to opt-in to receive access to the site.

Receive discounts from these retailers and more!

My Best Friend Photo Contest

Tue, 05 Jul 2022 21:30:13 GMT

Enter the 2022 Photo Contest!

Send us your favorite photo that depicts the Photo Contest theme, MY BEST FRIEND! Your picture entry may be anything from a close childhood friend, spouse or partner, teammates, social club friends or even an inanimate object like a security blanket. Anyone or thing you deem as your BEST FRIEND! You get the “picture.” We look forward to receiving an entry from you!

Rules

Contest for GBU members/policyholders of all ages.
Black-and-white or color prints are acceptable.
Photos must be submitted as taken. (This means no touch ups or cutting off parts of the picture.) Photos can be enlarged to any size not exceeding 5” X 7”.
Do not write on photo’s front or back (you can ruin your photo this way). Attach a note with your name and address on the back of the photo(s). If mailing photo, accompany it with an entry form (which can be found on the Reader Service Form located here .)
A maximum of two photographs may be submitted per insured member/policyholder. No entrant can qualify for more than one award per contest.
High-resolution photos (those coming directly from your camera, not downsized) can be emailed to memberbenefits@gbu.org. Please put in the subject line 2022 Photo Contest Entry. Make sure your full name and address is included with your entry.
The contest runs through Monday, October 3, 2022 .

How Do I Enter?

Send your photo(s) with an entry form (found on the Reader Service Form ) to:

GBU Financial Life Fraternal Department

PO Box 18739

Pittsburgh, PA 15236

Or Email:

memberbenefits@gbu.org

with “Photo Contest Entry” in the subject line.

Aging Well: Happiness Within

Tue, 05 Jul 2022 21:16:03 GMT

I do believe that happiness is in you. It may be overshadowed by the world we live in, but I promise you, happiness is still within.

We have lived through so much in such a short amount of time. The pandemic and its gnawing aftermath are still fresh. Hatred and violence ride the headlines every single day. We are bombarded with over-opinionated voices that would rather spew with deaf ears than have an honest conversation. It’s hard.

On top of these struggles, our daily costs have become unbelievable. When will it end? Maybe never. Could it be that the surmounting turmoil has always existed? Perhaps technology’s grip is holding our heads under the water.

Trust yourself when you know that it is time to walk away. Trust the nudge of the restless nights and your lack of motivation. Turn yourself inside out and wake up to the joy that is within. Find hope in nature and comfort in family. Note every single miracle that you see. Find resilience in the sunrise and the sunset. Drink in the laughter and pause to create kindness. When you can no longer tolerate the emptiness, fill yourself with the little things. Embrace in an honest and complete hug with someone you love. Hold a hand that is younger than yours. That is where we need to be to find happiness. That is who we truly are.

Cathy Graham is director of Graceful Aging Wellness Center of Bethlen Communities, Ligonier, Pennsylvania, and a District 3000–HRFA member.

Meet the Candidates

Tue, 05 Jul 2022 20:50:46 GMT

We are pleased to present the candidates for the 2022 GBU Board of Directors’ election. An official ballot containing voting instructions will be sent via mail on August 1, 2022 , and you will have until September 20, 2022 , to have your mailed-in ballot returned or to vote electronically. Election results will be tabulated and certified by an independent company and approved by the GBU Board of Directors by September 25, 2022 . Information for each candidate is available below to help you choose candidates you see as the best fit for the next GBU Board of Directors.

David E. Bevins (Incumbent), District 630

David Bevins has been attending GBU district meetings since he was an infant and has served on the GBU Board of Directors for three years. He is a practicing attorney at Rhoades McKee PC and attended law school at Wayne State Law School in Detroit, MI. He has served on numerous boards, in addition to his tenure on the GBU Board of Directors.

“As a current board member, I have been working with the GBU board and management toward strengthening GBU so that it can provide both the financial and fraternal needs of its members. In particular, as the Chair of the Investment Committee, I have assisted in shepherding (together with management) GBU toward a secure financial future. During these challenging economic times, continuity is important. While my legal skills and experience on other boards provide value to GBU, my experience of growing up in a district and regularly attending district functions, allows me to understand and seek to advance the real heart of GBU—its members.“

Joseph S. Bielecki (Incumbent), District 4000

Joseph Bilecki has been a GBU member since GBU merged with Sokol USA in 2013 and has served on the GBU Board of Directors since 2018. He is currently a lawyer that attended law school at Duquesne University School of Law. He serves as President of GBU District 4000, has served on several boards in the Pittsburgh areas and has given numerous cultural and educational lectures to many Slovak, Polish and Hungarian cultural organizations.

“I have been involved since 1985 in numerous fraternal and cultural activities. I’m committed to the values of fraternalism. I am strongly committed to fraternal and charitable activities. I have helped coordinate and develop many programs through the various organizations with which I have been involved. I have served on the GBU Board of Directors and am committed to the fraternal programming which GBU offers as well as to ensuring that GBU remains a strong and viable fraternal society.”

Donna L. Brophy, FICF (Incumbent), District 171

Donna Brophy has been a member of GBU since 1954 and has served as Fraternal Secretary for District 171 for 25+ years. She is currently working with the Travel Department at SMS Group in Pittsburgh. She attended the University of Pittsburgh, CCAC and Bradford Business School. She is a Fraternal Insurance Counselor Fellow and is a member of the Women’s Auxiliary of both the American Legion and the Veterans of Foreign War.

“I believe I offer a wide range of experience in the fraternal insurance industry serving as a board member of GBU Financial Life for over 35 years. I have not only chaired the Auditing, Marketing and Fraternal Committees, but also have been a member of the Executive and Planning Committees. I have also attended many conferences and conventions on the national level (AFA), receiving a great education on fraternals and why these organizations are the pioneers of life insurance. Being a member of the board makes me feel that I am doing my part in my community to make it a better place to live.”

Michael A. Cohen, District 999

Michael Cohen has been a GBU member since 2021 and has spent his career consulting fraternals such as GBU and Modern Woodmen on ratings, strategy and risk management. He is currently the Principal of Cohen Strategic Consulting, which advises insurance companies on how to optimize their credit ratings with rating agencies, such as AM Best. Michael attended graduate school at Temple University, majoring in economics and actuarial science. He is the author of Better Behavior + Better Decisions=Less Risk which addresses the human factor of risk management.

“The unique experience and perspectives I have gained as Vice President and head of the life insurance rating group at AM Best (analyzing and rating the entire US life insurance industry) and Principal of Cohen Strategic Consulting (advising well over 100 insurance companies on succeeding with the rating agencies) would be of great value to GBU in a director role. As a consultant to GBU since 2020, I have worked closely with CEO Bill Hunt and his executive team to optimize GBU’s performance on behalf of its fraternal members and demonstrate its creditworthiness to AM Best.”

Lea Ann Hazi (Incumbent), District 818

Lea Ann Hazi has been a member of GBU since 1987 and has served on the GBU Board of Directors for the past 30 years. She is recently retired as Co-owner of Omni Telecommunications in West Palm Beach, FL. Lea Ann attended St. Louis Community College where she focused on computer science. In addition to her tenure on the GBU Board of Directors, she has served on a variety of boards and co-founded a youth ice hockey association.

“Being a successful business owner combined with my fraternal experience has afforded me knowledge and insights concerning the matters of GBU Financial Life. I have served on GBU’s board since 1992 and have been an instrumental part of the sound governance decision-making process. Since my election as GBU Chairman of the Board in 2004, I have strived for not only building upon the solid financial foundation, but also expanding GBU’s fraternal footprint both within GBU’s membership and the community. My competence, integrity and professional talents will serve well in continuing to fulfill GBU’s purpose and mission in the future.”

Christina MacKellar (Incumbent), District 630

Christina MacKellar has been a member of GBU since 1975 and served on the GBU Board of Directors since 2014. She is currently an Executive Sales Underwriter at The Hanover Insurance Group in Howell, MI, and the Fraternal Secretary for District 630. Christina attended Central Michigan University where she majored in Business Management and German.

“I have served on the GBU Board of Directors since 2014. Having grown up in a local GBU district, District 630-Ann Arbor, MI, and serving as one of its officers has served me well on the Fraternal Committee and provided me with a solid understanding and history of GBU, promoting fraternalism and culture. Having a business degree and insurance designations allows me to understand the business side of GBU. Working for a large property and casualty insurance company in sales and underwriting allows me to appreciate the value of the independent agent system and has served me well as chair of the Marketing and Sales Committee.”

David L. Pringle (Incumbent), District 2000

David Pringle has been a member of GBU since 2007 and a member of the GBU Board of Directors for the past 12 years. He has served as an officer and auditor for District 2000 and acted as an advisor to the GBU Board of Directors from 2007-2010 as a result of the ULS/GBU merger. David was recently appointed Shenango Township Real Estate Tax Collector just prior to his retirement from Kirila Contractors this year. David is a graduate of Youngstown State University. David majored in accounting and minored in economics and marketing.

“Recently retired from Kirlia Contractors after working there for 20 years, I was responsible for all accounting functions, finances and investing of excess funds for Kirlia and eight (8) additional sister companies. My prior background was in retail banking, where I had worked for 20 years, attaining the rank of Vice President. I have extensive experience in management and retaining market share. I have a Bachelor of Science degree in Business Administration, majoring in accounting and minoring in economics and marketing.”

John B. Schmotzer (Incumbent), District 684

John Schmotzer has been a member of GBU since 1998 and served on the GBU Board of Directors for the past eight years. He has been involved with District 684 since he became a member and was awarded the Francis B. Madison Fraternal Award. John is the President of Metropolitan Window Company in Pittsburgh, PA, and attended Duquesne University where he majored in education. John has been the member of various organizations including the Baldwin Whitehall School District, where he served on the school board for 11 years and was School Board President for two years.

“Having the experience of running a small business for the last 44 years and having the privilege of serving on many boards, I feel I have a lot of skills and knowledge to continue as a director of GBU Life. My goal is to continue contributing to the financial health of GBU Life and its members along with providing fraternal benefits to its membership.”

Taking the Air Out of Inflation

Tue, 05 Jul 2022 16:36:02 GMT

Tips for managing when everything costs more

In inflationary times, it’s best to keep in mind Benjamin Franklin’s nearly forgotten adage: 'save your pennies and your dollars will save themselves.' While inflation is a pain, it’s also an opportunity to streamline your life in ways that will pay dividends for years to come. It can be an example of what economists call “the invisible hand” of the market, guiding those who are attentive in new and efficient directions.

Here are a few areas where a little thought and intentional action can make your budget and the world better.

Win the Gas Game

Everything that saves gasoline saves you money and improves the environment. You know the regular things: combine trips, don’t speed, keep your tires properly inflated, accelerate slowly and brake evenly. But the thinking driver can take other steps to reduce consumption and driving cost, particularly on long summer trips.

Fill Strategically

You wouldn’t depart without knowing the roads you’re going to take or the weather you may encounter; understand gas prices along your route, too. Gas costs different amounts in different markets. State gas taxes vary and regional use of anti-smog summer additives increases prices from five- to 15-cents a gallon. Waiting to fill-up until you’re running on empty is like playing the lottery: you’re taking the chance that you’ll have to stop someplace expensive. Instead, before traveling, put in a little web work at GasBuddy.com , which tracks prices across the country down to specific stations. Gassing-up on the right side of a state line or on the outskirts of a city can make a quarter-a-gallon difference.

Downgrade Your Gasoline

If your owner’s manual says premium gas is recommended, as opposed to required, experiment with regular instead. If your car still runs smoothly and your mileage stays consistent (a good indicator of general engine health), call the experiment a success and pocket the 60-cents a gallon you’re saving. Be more wary with small, turbocharged engines, but for most family cars, plain-old regular is just fine.

Drink Tap Water

It’s cheaper than bottled water, better for you than soft drinks, and doesn’t inject more single-use plastic into the environment. Get a water bottle and use it. If you cut out one sugary soft drink per day, that’s roughly $500 a year and 55,000 calories you’re saving.

Re-Examine Your Tech Trio

Phone, TV and data are complicated services camouflaged by jargon specifically created to confuse you. The natural reaction is to avoid dealing with them. Instead of avoidance, think of it as sport. Step up to the plate with the goal of saving $100 a month. Most people who haven’t freshened their contracts in a couple of years can do that, and sometimes more. Your needs change, and tech deals generally improve over time. You usually can’t get the new customer teaser rates, but you can almost always do better than you’re doing now. Do the same with your cable, streaming and internet service provider, which may not only save you money but should result in faster service, too. And when you’re done, you’ll feel like you slayed a dragon.

Keep Up On Maintenance

The tendency in tight times is to defer maintenance. Try not to do that. It’s a better risk-management strategy to spend small amounts now to avoid getting hit with surprise, back-breaking expenses at what will inevitably be the least convenient time possible. Your insurance policy against catastrophe is staying up-to-date on the small, joyless things that keep life running smoothly. Get your oil changed. Replace your furnace filters. Keep your medical appointments.

Cancel Subscriptions

We sign up for small, monthly charges and then forget they’re even there. Fortunes have been built on $3 a month debit card dings no one even notices anymore. US News and World Report estimates most households spend more than $3,000 a year on subscriptions, with a hefty percentage being no-longer-needed, dead budgetary weight. You can comb your bank statements yourself to find them, or you can search “subscription management app” online and choose a digital helper. There are a dozen reputable apps that call recurring charges to your attention and ask if you would like to cancel; for example, that $7.99 a month Pre-K learn/play program your college freshman hasn’t used in a decade. Most of the apps will then handle the actual cancellation for you. The apps cost a little more than one monthly subscription to a website that seemed important at the time, so if it unsubscribes you from two, you’re better off. And it will likely uncover far more than two subscriptions to cancel. Subscribe to one of the apps for a while and don’t forget to put a reminder in your calendar to unsubscribe after it has cleaned the parasites out of your checking account.

Schedule an Online Buying Day

Online shopping is fast, convenient and kind of mindless. We’ve all had packages arrive with little clear memory of having ordered them. To curb your impulses, set a rule that you can only shop online on certain days–and stick to it. (It’s amazing how many of these money-saving ideas should end with “… and stick to it.”) That will create a period during which your ardor for, say, that beautiful Icelandic wool sweater or new headcovers may cool, making it easier to resist temptation and leaving your bank account intact.

Defer Big Purchases

There’s a component of current inflation that is a hangover from COVID-19, and its disruption of manufacturing and supply chains. Experts say big-ticket items like home appliances, cars, computers and bicycles are likely to get cheaper in the next year. If you can, wait. It’ll help your cash flow now, and is a small gamble that could pay-off big savings when the economy returns to normal.

My Best Friend Coloring Contest

Tue, 05 Jul 2022 12:41:09 GMT

For GBU Members 3 to 9 Years Old

GBU members/policy holders between the ages 3 to 9 can enter their colored page in this year's contest theme: My Best Friend .

J udging is from three age categories:

Category I: Ages 3 and 4
Category II: Ages 5 and 6
Category III: Ages 7, 8 and 9

Entrants may use crayons, colored pencils, markers or water paints. Entries will be accepted through Monday, October 3, 2022 . The picture that is available here can be reproduced, or copies can be obtained by calling the Fraternal Department at the GBU Home Office (800-765-4428). Feel free to create your own background design.

CASH PRIZES FOR EACH CATEGORY

First prize: $75
Second prize: $50
Third prize: $30

HOW TO ENTER

Send the 3- to 9-years-old GBU member's coloring contest entry with his/her name and address on the back of the child's colored page, to

GBU Fraternal Department

PO Box 18739

Pittsburgh, PA 15236.

Or email contest@gbu.org with "Coloring Contest Entry" as the subject line.

GENERAL INFORMATION

SEND IN YOUR CHILD'S ENTRY TODAY! HAPPY COLORING!

Wedding Shower Gift Guide from AmazonSmile

Mon, 23 May 2022 14:24:17 GMT

Give the gift of AmazonSmile

Wedding season is upon us, and with the pandemic seemingly behind us, there are far more wedding showers and ceremonies on our calendars compared to previous years. With these upcoming celebrations, how do you find the perfect gift? This gift guide will give you six ideas based on the type of couple you’re celebrating. When searching for a gift on Amazon using AmazonSmile, you can find what you need while donating to the cause of your choice.

The AmazonSmile program gives back a portion of your Amazon purchases to the organization of your choice. In order to donate to the GBU Foundation, go to Amazonsmile.com and select 'GBU Scholarship Foundation, Inc.' as the organization you would like to support.

For the couple that likes to …

REMINISCE

Thumbprint Keepsake Pictureframe

Wedding Time Capsule

ENTERTAIN

Amazon Alexa

Stemless Champagne Flutes

PAMPER

Soy Wax Candle

Burt's Bees Gift Set

Mother's Day Popsicle-Stick Picture Frame

Mon, 02 May 2022 14:55:52 GMT

Surprise mom this Mother’s Day with a one-of-a-kind, homemade popsicle-stick picture frame. Use common craft items to create a thoughtful gift she will enjoy for years to come.

Items needed to make the frame:

• Popsicle sticks

• Markers or crayons (optional)

• Hot glue gun with glue sticks

• Construction paper

• Buttons, pom-poms or gems

• Hinge clip

• Magnet buttons

• Cute photo of mom and kid(s)

First, layout the popsicle sticks on a flat surface to figure out the size and shape of your frame.

Cut a piece of construction paper that is slightly smaller than your frame and hot glue it to the popsicle sticks. This will ensure the frame holds together.

Then, flip over the frame and start decorating it. Hot glue the buttons, pom-poms or gems onto the frame. If the frame is made of plain popsicle sticks, feel free to brighten it up and color the frame using markers or crayons.

Once you have completed decorating the frame, hot glue the hinge clip to the frame to hold the picture and hot glue the magnetic buttons to the back of the frame. Open the hinge clip and position your picture in it. When the glue has cooled and hardened, wrap the frame in wrapping paper or put it in a small gift bag until Mother’s Day.

Once mom opens her gift, she can hang it on the fridge or wherever she is likely to see it often. Your mom will be sure to smile when she sees the sweet picture and frame every morning when she sips her morning beverage.

The Market: A New Project for the Greater Pittsburgh Community Food Bank

183:849361569 (Jennifer Stockdale) — Fri, 29 Apr 2022 19:45:51 GMT

Today, the Greater Pittsburgh Community Foodbank held a ribbon cutting ceremony for its newest project, The Market, which will further help provide for a growing population of food-insecure families in the area.

The Market, which is a partnership with Pittsburgh region grocer Giant Eagle, is the Food Bank's on-site pantry that takes a holistic approach to serving people who need help with food while also serving as a learning lab to test new ideas and services before presenting them to the food assistance network. The Market will be open weekly Monday through Saturday and offers a grocery-style experience for those needing to supplement their food needs to choose the groceries that work best for their families.

GBU Life has been partnering with the Food Bank since need from the community spiked during the pandemic and is a proud sponsor of the Education Station. Located inside The Market, the Education Station is a space for the community to engage in classes on health and wellness, finances, customer service and more.

The Market also features a children's area, private registration room, Community Connections resource team and a Nutrition Kitchen which will offer cooking-related classes to both community members and member agencies.

Interested in working and volunteering for great projects like this? Become a GBU Social Member today .

iPipeline: A New Way to Process Policies at GBU Life

Fri, 29 Apr 2022 17:57:18 GMT

GBU is excited to announce that our new software platform, iPipeline, is now live! The software is currently available for life insurance products; annuity products will be added at a later date. The iPipeline platform not only allows for faster internal processing of policies, but also an easier experience for both agents and members.

Continuing with GBU's goal of modernizing and strengthening our infrastructure, we've developed and launched four components of the iPipeline platform including Illustrations, E-Applications, Underwriting Engine and E-Docs. Here are some of features and benefits of the new system, which will result in an easier application process as well as more streamlined internal processing.

Illustrations

• Ensures technology is always up-to-date

• Accurately evaluates complex policies

• Illustration information automatically populates to the application so there is less information to fill out.

Applications and E-Docs

• Allows for remote e-signature. Customers can sign at their convenience on their computer or smartphone.

• Customers can receive their policy digitally when it is issued. This reduces delivery times from weeks to hours

• Prefilled fields in the application shorten the application process

• The system checks to make sure all information is filled out for more streamlined processing.

• Helps avoid costly policy re-issues

• Delivers real-time dashboard alerts

Underwriting Engine

• Reduces costs and cycle time

• Increases capacity

• Offers regulatory control, monitoring and compliance

• Provides real-time reporting and analytics

The iPipeline platform provides GBU with the most comprehensive, end-to-end platform for selling, processing and servicing of our products. Their solutions were developed with the specific goal of enabling carriers like GBU Life to achieve complete straight-through processing.

Applications automatically feed into GBU’s new software, allowing the process to start before an underwriter touches the policy. We can now move applications in a week or two, rather than a month.

In Memoriam: March 2022

Thu, 28 Apr 2022 18:59:54 GMT

A tribute to members we have lost.

Death Claims Paid Out: March 2022

GBU extends its sincerest sympathies to the bereaved families of its deceased members.

Mother’s Day & Father’s Day Recipes

Thu, 28 Apr 2022 17:14:49 GMT

Celebrate Mother's Day and Father's Day with a home-cooked meal. Grab an apron and enlist family members to help with meal preparation and cooking. Choose from either recipe below, and dinner is sure to be a hit!

Craft: Thank You for Teacher

Thu, 28 Apr 2022 14:07:01 GMT

Teacher Appreciation Week is May 2–6, 2022

Thank You for Helping Me Grow Butterfly Picture

Help your child create a sweet gift for Teacher Appreciation Week.

He or she will have a ton of fun creating a thank you for helping me grow butterfly picture using footprints.

What you'll need to make the butterfly picture:

A sheet of plain, white paper
Clean feet
A piece of cardboard
Washable paint
Paint brushes
Markers

Optional additions include:

Pom poms
Gems
Buttons
Stickers

Directions

3 Ways to Write a Poem for Mom

Wed, 27 Apr 2022 19:19:28 GMT

An Acrostic

An acrostic poem can make a great gift for mom. These can often be done in an artistic way and are perfect for hanging on the wall!

This simple poem uses a word of significance (such as a person's name) as its base and the letters in the word become part of other words to describe that word.

A Haiku

If your mom loves nature and the outdoors, a haiku is a great way to honor her.

This traditional Japanese form of poetry emphasizes nature. This poem doesn't rhyme. Instead it has a special rhythm. It has three lines; the first with five syllables, the second with seven syllables and the final line has five syllables.

A Shakespearean Sonnet

What bigger way to honor your mom than with a Shakespearean sonnet?

This traditional poetry form has always been used to express great love, but only use this one if you are feeling creative. This poem is rather long with 14 lines that have a special rhyme and rhythm pattern.

The rhythm for a sonnet is called iambic pentameter, which means it has 5 down beats (it sort of sounds like a horse galloping). The rhyme pattern is special, too. The lines rhyme like this: ABAB, CDCD, EFEF, GG.

For the Love of Ice Cream

Wed, 27 Apr 2022 16:37:36 GMT

When I was asked to do a review of GBU Life’s newest member benefit, VIP Perks! by Entertainment, no one had to "twist my arm." This project would involve scrolling through the pages and pages of restaurant coupons in my area to pick a place to dine, guilt-free. Being 26-weeks pregnant, my cravings took over my decision-making process: ice cream was (and always is) the clear answer.

Lucky for me, my favorite place to get ice cream in Pittsburgh, Scoops, had two different perks offered. Since my husband also shares a deep love for ice cream, we picked the BOGO (buy one, get one) deal on a two-scoop cone.

Once we got to Scoops, I simply logged into VIP Perks! on my cell phone, found the coupon and selected the Redeem option. The coupon populated at that point, and I showed the cashier whenever we got to the register.

The entire process could not have been any easier and saved us about $5. Since there are dozens of restaurants, attractions, activities, shopping, services in my area participating in this program, there is no shortage of coupons we can continue to use every time we go out.

Get exclusive perks

Enjoy local and national discounts on dining, entertainment and services. You can print coupons from home or simply redeem them from the mobile app!

Deep discounts, up to 50% and BOGO
National, regional and local discounts
Best-in-class offers, up to 50% off, on things you do daily
Save on dining, attractions, shopping, travel and more!

Save locally and when you travel. Offers from VIP Perks! by Entertainment are available in 10,000+ US and Canadian cities.

This new GBU Life member benefit is provided at no charge for both insured and social members, but you do need to opt-in and have an email address to receive access to the site.

Receive discounts from these retailers and more!

Let’s Compare Qualified and Non-Qualified Annuities

Wed, 20 Apr 2022 14:49:14 GMT

Help Save the Planet By Making These Four Easy Changes

Wed, 20 Apr 2022 14:34:35 GMT

Trying to live more sustainably to help protect the Earth can be confusing and stressful. For example, if use your car to drive to the next town to buy a more sustainable product, is that really better for the Earth? The many conflicting ideas about what is and isn’t sustainable can be discouraging to the average person trying to do their part to help. Here are four things that you may even already be doing that can help reduce waste and resources for our planet. If each individual or family commits to small changes in life, it can add up to a big impact for a cleaner Earth in the future.

Birthday Match

Tue, 19 Apr 2022 20:22:59 GMT

Here’s how it works

For more information or to submit an application: reporter.gbu.org/birthday-match

Start a Birthday Facebook Fundraiser and GBU will match what your raise, up to $250!

How about a birthday reminder?

Email memberbenefits@gbu.org with your name and birth month and we will send you a reminder the month of your birthday!

5 Great Things About GBU’s Select Choice Term Life Insurance

Tue, 12 Apr 2022 19:35:22 GMT

Term life insurance protects your loved ones by helping them meet financial commitments, such as mortgage payments or college educations, in the event of your premature death. Tailor coverage to fit your goals and budget and worry less about future financial what-ifs. Select Choice Term life insurance offers coverage up to $5 million, but that’s not all. Read on to find out more great things about Select Choice Term life insurance.

GBU Life is the marketing name for GBU Financial Life. Life insurance is underwritten by GBU Financial Life (GBU), 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227 . Coverages for disability, accident and/or illness are defined in the policy. Products not available in all states. Please see policy and rider for complete details. Contract Form Series: ICC20-ART, FL20-ART.2, ICC20-ST, FL20-ST.2.

Stay on Trend with AmazonSmile

Tue, 12 Apr 2022 12:54:13 GMT

Stay on trend with AmazonSmile by introducing PPG Paints Color of the Year, "Olive Sprig," into your daily life!

Olive Sprig is a relaxed, but enticing green that emulates the feeling of soothing aloe vera or a fragrant plant—brightening any space with organic liveliness. A versatile color that lives well inside or outside, Olive Sprig blends in with nearly any environment.

—corporate.ppg.com

JALL Analog Alarm Clock,

$10.99

One Member at a Time

Mon, 11 Apr 2022 19:26:07 GMT

Funds raised from July 1, 2021-December 31, 2021

GBU Foundation Scholarship Program

Mon, 11 Apr 2022 17:28:50 GMT

Applications Now Being Accepted

Start your future here

GBU Foundation Scholarships are awarded in various amounts for several programs.

New scholarships are offered in four programs: Freshman (applicants to attend a four-year accredited college); Undergraduate (applicants already attending an accredited college) and Graduate (enrolling or currently seeking an advanced degree); and Two-Year (enrolling or currently in a vocational/technical school).

Scholarship applicants not awarded a GBU Foundation Scholarship are entered into a random drawing for a chance at being awarded one of a predetermined number of one-time $500 grants or Personal Giving Scholarships.

A scholarship applicant must be a GBU member to apply for the scholarship and remain a GBU member for the tenure of the scholarship. Members of all ages are eligible to apply.

See available scholarships and apply at inside.gbu.org/benefits .

If you have questions or need additional information, please contact the Fraternal Department ( 800-765-4428 ), or email memberbenefits@gbu.org with GBU Scholarship Information in the subject line.

Ready to apply?

Visit: gbufoundation.awardspring.com/Account/Register

Districts in Action

Mon, 11 Apr 2022 16:09:06 GMT

Through March 31, 2022, GBU Life matched up to $2,500 of member donations made to a district-chosen501(c)(3) organization with our Districts in Action program.

Below is the list of participating districts and the organizations each chose to support. Be sure to check the next issue of The Reporter for an update on donation totals. GBU would like to thank our members for supporting those in need!

District 45-Altoona, PA: Central Pennsylvania Community Foundation's Blair County Sheriff’s K-9 Foundation District 84-Lancaster, PA: Manheim Township Fire Rescue
District 146-Johnstown, PA: Sandyvale Memorial Gardens
District 171-Pittsburgh, PA: Cloverleaf Food Bank
District 291-Summerhill, PA: Forest Hills Area Ambulance Association
District 361-Barberton, OH: BACM Food Pantry
District 500-Lilly, PA: Lilly-Washington Public Library
District 510-Toledo, OH: Oregon Health and Welfare
District 536-Lafayette, IN: Lafayette Transitional Housing Center
District 630-Ann Arbor, MI: Hope Clinic
District 684-Pittsburgh, PA: Brentwood Volunteer Fire Department
District 699-Frankenmuth, MI: Frankenmuth Police Department
District 701-Pontiac, MI: Deutsch-Amerikanischer Schützenverein (D.A.S.V.)
District 707-Grand Rapids, MI: Down Syndrome Association of West Michigan Foundation
District 810-Cleveland, OH: Tapestry Partners International
District 815-Dayton, OH: Five Rivers Foundation's Adventure Central Kitchen
District 817-Philadelphia, PA: Rock Ministries of Philadelphia
District 818-Orlando, FL: German American Society of Central Florida
District 821-Sterling Heights, MI: Carpathia Foundation
District 1000-LFA: Leader Dogs for the Blind, Forgotten Harvest, Compassion Pregnancy Center, Lutheran Heritage Foundation, Macomb Charitable Foundation
District 2000-ULS: First Presbyterian Church of Duquesne's Sacred Blessings Mission Store, Trinity Ev. Lutheran Church Food Pantry, Ohio Guidestone, Be A Better Me Foundation, Shenango Valley Meals on Wheels
District 3000-HRFA: Franklin Township Food Bank, The Latrobe Foundation, Humane Society of Ohio Valley District 4000-Sokol USA: Community Food Bank of New Jersey, S.T.A.R—Serving to Aid and Restore, Brookfield Volunteer Fire Department, Children's Hospital of Pittsburgh, The Buddy Foundation

How to Cast a Wide Net When Searching for Scholarship and Grant Opportunities

Fri, 08 Apr 2022 15:35:31 GMT

The thought of starting the inevitable search for scholarships may seem nothing short of exhausting as a first-year college applicant. While applying to your top five universities, you also have to think about how you're going to pay for them. However, upon graduation and right around the time your student loan payments start kicking in, you will be thanking yourself for casting a wide net and taking every monetary opportunity available to you.

Searching in places you would least expect

The truth is, you aren't going to find all of the opportunities available to you neatly presented in one place. To maximize your opportunity to score scholarships and grants, you have to consider the unlikely places they may be hiding.

Great places to start your search include religious organizations like the church you belong to. Also, watch for potential opportunities offered by organizations and local businesses in your area.

One great benefit to applying for a scholarship or grant with small organizations like these is that the pool of applicants is much smaller than of a large organization, increasing your chances of obtaining a scholarship.

Another unique place you may not have even considered is with your parent's employers. It is not uncommon for companies to provide scholarship opportunities to the children of their employees.

Once you seek out opportunities in these unexpected places, make sure you take advantage of the more common resources as well.

Searching in places you would expect

A great resource available to you is your high school guidance office. Make an appointment to learn about what opportunities they are aware of that you may not have heard about.

If you have already selected what university or trade school you plan to attend, you should contact them to obtain a list of scholarships opportunities they have available to their upcoming students.

Scholarships are also available to students in specific fields of study. Don't be afraid to do an internet search to see what opportunities are available to you in your field.

Don’t shy away from small grants and scholarships

There are a few reasons why you shouldn't discredit small grants and scholarships.

First, every little bit counts. There is no rule saying that you can only apply for so many grants. So, a few small grants could end up being just as much financial assistance as one larger grant.

Second, many applicants don't bother applying for the smaller grants so your chance will be that much greater.

Applying for financial aid can be a good supplement

Learn if you qualify for financial aid by completing your Free Application for Federal Student Aid (FASFA) at studentaid.gov .

GBU Life Teams Up with Local Organization, Pauline Juliet, Through GBU's Give Back Groups Program

Thu, 07 Apr 2022 18:49:49 GMT

A little backstory on Pauline Juliet

Pauline Juliet, Inc. was first started about eight years ago by Lauren O., a GBU member and Pittsburgh local. Pauline Juliet, Inc. is a grassroots, community-led organization in rural Uganda with a focus on the education and empowerment of women and girls.

Seizing the opportunity to maximize

As an active GBU Life member, Lauren identified an opportunity to use the Give Back Groups program to help in her fundraising efforts. Pauline Juliet was having an end-of-year fundraiser with the goal of raising $8,000 to support its 2022 programs which includes its handwashing campaign. This campaign would supply 35,000 bars of soap and handwashing education to rural schools in Uganda.

Identifying what support was needed

Lauren submitted a Give Back Groups Matching Funds application and a Marketing Support application. Since Lauren's Give Back Group included four other GBU members, Lauren had the opportunity to receive a match of up to $5,000 toward Pauline Juliet's end-of-year fundraiser.

Lauren worked with the GBU Life Marketing Department to plan out how GBU could help promote her fundraiser. A plan was made to feature Lauren's project in two GBU Life member emails, as well as feature it on several GBU Life social media platforms for the duration of the fundraiser.

The exciting results

Lauren O., her team, donors and partners of Pauline Juilet had no problem raising over $5,000 during their end-of-year campaign which meant an additional $5,000 match from GBU Life. Great job, Lauren O. and team!

Learn more about Pauline Juliet's unique and inspiring mission, visit: www.paulinejulietinc.com

Spring Cleaning Your Fitness Routine

Thu, 07 Apr 2022 16:22:16 GMT

Join the GET FIT CLUBS. Connect with other members on the GBU Life Member Community. Earn rewards for reaching milestones, win prizes and more! Visit community.gbu.org to request an invitation and activate your account.

Helping thy Neighbor

Thu, 07 Apr 2022 14:18:37 GMT

Do you grow your own vegetables? If you're a gardener who'd like to help feed your neighbors, here are five vegetables that are easy to grow and keep growing!

Lettuces, Salad Mixes. Many types of lettuces are a great option for fresh salads all summer long.
Swiss Chard, Kale, Leafy Greens. These nutrient-dense greens grow quickly and easily.
Cucumbers . Vining cucumbers produce the most while bush cucumbers tend to produce slightly less fruit.
Tomatoes . Although you'll have to wait about 80 days to harvest, expect to harvest about 10 to 15 pounds of fruit per plant!
Zucchini. These are best picked when eight inches long or smaller.

The need to help individuals and families combating hunger in the United States is real, especially so since the COVID-19 pandemic. As gardeners, we can do our part by growing and donating vegetables from our home gardens.

Here are ways you can share your bounty:

Local Food Banks. Con tact local food banks in your area to find out if they accept fresh produce. Some food banks offer free pickup.

Shelters. Check with your local shelters, soup kitchens. Many of them run solely on donations and welcome fresh produce.

Meals for the Homebound. Contact local programs, such as Meals on Wheels.

Service Organizations. Outreach programs to help families in need are often organized by churches and youth organizations.

Looking for funding to aid your community? GBU offers matching funds and project fund reimbursement through our GIVE BACK GROUPS for individual and groups of GBU members looking to make a difference in their communities.

Learn more at inside.gbu.org/benefits .

Build a Safety Net and a Legacy

Wed, 06 Apr 2022 17:21:24 GMT

Planning for your estate can be difficult. After all, how can you predict what you will have available at the end of your life to leave to both family and for charitable contributions? GBU's new life insurance product, Secure Cash Advantage Single Premium Whole Life (SPWL) is a great option to help with this challenge. Secure Cash Advantage SPWL helps to ensure that you can give the maximum gift to your loved ones, to the charitable organization of your choice, or both.

When you purchase Secure Cash Advantage SPWL, you purchase a life insurance policy with a one-time payment of your choice and name your beneficiaries. You can work with your agent to discuss a desired end-value or to grow a current amount of funds that you may have set aside. Upon issuance, the policy's death benefit is immediately available to your beneficiaries should the worst happen, but will grow when your annual dividends are used to purchase additional guaranteed coverage. This ensures that you leave your beneficiaries with more than you started with.

Additionally, Secure Cash Advantage SPWL builds cash value quickly, so that your policy's cash value is generally equal to your original premium within one to four years. You can borrow against the policy's cash value should you need to during your lifetime. Policies of $100,000 or more include living benefits riders which allow you to tap into your policy's death benefit in the case of certain health events such as a terminal diagnosis or critical health condition to pay medical expenses.

Your life insurance policy becomes a safety net while you are living but a legacy to your beneficiaries at the end of your life.

To find out more about Secure Cash Advantage and other life insurance options from GBU, contact your GBU agent or visit gbu.org to schedule an appointment to discuss your needs.

Payment of dividends is not guaranteed as the assumptions on which they are based are subject to change. Loans and withdrawals taken against a permanent life insurance policy will reduce the death benefit and may result in a taxable situation. Coverages for disability, accident and/or illness are defined in the policy. Products not available in all states. Please see policy and rider for complete details. Contract Form Series: ICC20-SPWL, FL20-SPWL.2

Aging Well: Storytelling

Mon, 04 Apr 2022 15:51:13 GMT

When you think about storytelling what comes to mind? Do you imagine folks sitting around the campfire exchanging stories or perhaps a host of relatives poised around a dining room table sharing memories? Storytelling is the activity of telling or writing a story. The idea itself is simple and could be considered mundane. However, a closer look at storytelling reveals that the act is essential for wellbeing, specifically for mental health.

For the person writing or telling a story, self-esteem can be noticeably increased. It is an excellent practice for anyone who struggles with speaking up in school, at work or just in general. The teller’s mind digs deep and utilizes both the left and right sides of the brain for communication. The expressions conveyed by your mouth, face and hands make the story come to life. Whether it is a funny recollection or a terribly sad tale, people are moved to make emotional decisions based on what they are hearing. The sensory cortex of the brain becomes activated.

When people gather for a storytelling session, they tend to feel connected and less lonely or isolated. If you hear of someone’s ability to overcome a struggle it leaves you with hope and a sense of pride. Listeners are learners. Teachers and lecturers often use storytelling to get a point across in a memorable and meaningful way. Listeners may experience an expansion in their vocabulary and a sense of connectedness to the people around them.

While listening to a story, you imagine the situation that is being portrayed and take in the sequences. Several days or even years later you use your memory to retell the story. Connecting with people through a tale can increase and build new bonds. When recanting a story about a loved one who has passed on, it rekindles pleasant feelings and warm emotions.

With rich rewards for your mental health, storytelling is something you should try to add to your weekly schedule.

Cathy Graham is director of Graceful Aging Wellness Center of Bethlen Communities, Ligonier, Pennsylvania, and a District 3000–HRFA member.

Be a Part of Our History

183:849361569 (Jennifer Stockdale) — Thu, 24 Mar 2022 19:23:56 GMT

Help GBU Celebrate 130 Years!

To celebrate we are creating a keepsake book filled with recipes, stories and photos. We would love to include yours! If you would like to submit a GBU-related recipe, story or photo for consideration in the book, you can submit them online at inside.gbu.org/book .

You may also mail your submission to:

GBU Life Fraternal Operations

PO Box 645989

Pittsburgh, PA 15264-5257

Awaken the Spring Vibes in Your Space

Thu, 24 Mar 2022 18:58:35 GMT

The Spring Equinox has finally approached giving many of us back the sense of hope and excitement that was somehow lost over the past several months of blistery weather. Though the ground may not have totally thawed and cold temperatures seem to still be looming in many parts of the U.S., it’s time to awaken the spring vibes in your home! Here are five ways to get the inside of your home spring ready.

In Memoriam: December 2021-February 2022

Tue, 22 Mar 2022 20:05:01 GMT

A tribute to members we have lost.

VIP Perks! A Family Affair

Mon, 14 Mar 2022 20:15:27 GMT

Enjoy a night out or a fun, weekend adventure with the family. As a GBU member, you have access to VIP Perks! by Entertainment® for free when you opt into this program. You can find exclusive offers on theatre tickets, museum admissions, sporting events, amusement parks, and more! Here are three fun, family-activity ideas you can utilize with your GBU membership and VIP Perks! by Entertainment®.

Ready to save on your next family outing? Follow these steps...

Daylight Savings Time Starts on Sunday. Here are 5 Things You Can Do to Prepare

Thu, 10 Mar 2022 15:59:19 GMT

Daylight Savings Time (DST) begins on Sunday, March 13. If you dread “spring ahead” here are some tips for how you can use your Sunday to prepare and adjust to make for a better Monday.

Tidying Up Your Yard for Spring

Wed, 02 Mar 2022 19:42:29 GMT

Spring has SPRUNG! Well, not yet at least, however, it is right around the corner. That said, now is the perfect time to start preparing for warmer weather. Here are some ways you can get the exterior of your home ready for spring.

Make your own Monster Valentines Mailbox

Thu, 10 Feb 2022 17:24:13 GMT

What you'll need

An empty tissue box
Construction paper
Scissors (adult supervision may be needed while cutting paper)
Glue stick
Markers, crayons or colored pencils
Optional: popsicle sticks, googly eyes, pom poms, sequins, feathers and pipe cleaners

Directions

Use the opening of a tissue box as your mail slot and glue construction paper around the box.

Note : you may need to cut the construction paper to fit the different sides of the tissue box.

Once the tissue box is covered, create your monster!

Ideas include:

Cut shapes out of other pieces of construction paper and glue them on.
Use colored pencils, markers or crayons to decorate the monster in scales or other designs.
Glue feathers, pom poms and other craft items onto the box.
Once the monster has been created to your liking, allow the box to dry.
Set your Monster Valentine’s Day Mailbox out on your school or office desk on Monday, February 14, 2022, with a sign that says, FEED ME!

Achieving a New You with a GBU Social Membership

Mon, 07 Feb 2022 14:54:40 GMT

Let us help you "do good".

Volunteering and doing good for those around you can boost your self-esteem as well as give you the self-fulfillment and satisfaction you are craving after such a difficult year. If you have added "community volunteering" to your bucket list for 2022, let GBU help you get there by taking advantage of one of the many volunteer and matching programs we offer. These special programs are sure to help you make a difference in your local community, and they are available to both insured and social members!

As a member of GBU Life, you can participate in Birthday Match each year during your birthday month. If you make a donation to your favorite 501(c)3 organization during your birthday month, we will match your donation up to $100! You have until the last day of the following month to submit your application. For example, if your birthday is in February, you have until March 31 to apply.

Do you have a 501(c)3 organization where you volunteer? If so, GBU would like to support your volunteer work by providing a donation of $15 per hour for up to 10 hours of your volunteer time. This means up to a $150 donation to your favorite local organization. You can apply for this program twice each calendar year, under a separate organization each time. This program is known as the Making a Difference One Hour at a Time program.

When you identify a way to help out in your local community, you can form a Give Back Group. Your power to “do good” increases with each GBU member on your team. Have a neighbor whose house just burned down? Hold a spaghetti dinner fundraiser for them and GBU will reimburse you for the cost of your fundraiser, up to $250 per GBU member in your group. Participating in the Walk to End Alzheimer’s? Maximize your fundraiser by creating a Give Back Group, and GBU will match what you raise, up to $1,000 per GBU member in your group. This is a great program to use if you do your fundraising via Facebook Fundraising.

Let us help you stay healthy.

There is no secret that daily exercise can do wonders for your mental and physical health. If you are ready to take the plunge and join a gym this year, make sure you sign up for VIP Perks! to take advantage of discounts for health clubs in your area.

Not only does a GBU Life Social Membership give you access to programs giving gym discounts, it also gives you access to the Get Fit Clubs. In GBU’s Walking, Running, Biking and/or Golf Get Fit Club, you will be able to keep yourself accountable while having fun and winning gift cards. Not only will we help you track your progress, we will also reward you for reaching your milestones. Engage online with other GBU Life Club members and have access to exclusive fitness content.

Apply for a GBU Life Social Membership today at gbucares.org/membership

Fraternal Adventures

Wed, 05 Jan 2022 17:50:05 GMT

October 7, 2021: NJ-NY Fraternal Alliance 88th Annual Convention

So, admittedly, I got in in on the NJ-NY Fraternal Alliance a little late, and I've missed the first 87 annual conventions. Matt Blistan has been a member of this board for the last several years, and I volunteered to (try to) replace him. I had a pleasant drive to Atlantic City, where the convention takes place, at the famous Tropicana. I have to admit, I was not quite prepared to navigate the Tropicana when I arrived and ended up getting very lost while trying to check in. On the upside, I did get in 6,000 steps after a six-hour drive, which was some much-needed activity. I realized that this particular adventure would be much more fun with a travel partner. The Tropicana seemed to have a lot to offer with a casino (of course) and many shopping and dining options, which was fortunate, since the boardwalk did not appear to be well-lit, but the hotel did offer a nice view of the city and beach.

Bright and early the next morning, I had the chance to meet other members of the alliance. I had met a few people previously at other alliance meetings, so it was nice to catch up. The leadership team was very energetic and did a fantastic job with the convention. There were both in-person and virtual presentations about a variety of topics such as actuarial outlooks, socially responsible investing and updates from the American Fraternal Alliance (AFA). The convention ended with a banquet where the new board members (including myself) were installed. I am looking forward to being a part of this great team and helping to strengthen fraternalism in New Jersey and New York.

October 25-26, 2021: PA Fraternal Alliance (PFA) 109th Annual Meeting

The PFA Annual Meeting offered me a break from travel since it was held in Pittsburgh. It was great to see some of the same fraternal representatives from the NJ-NY Fraternal Alliance at this meeting. Allison Koppel, CEO of the American Fraternal Alliance (AFA), was able to attend and give an in-person update on how the AFA is proceeding with alliance growth and the promotion of fraternalism throughout the country.

And the Winner Is ...

During the dinner banquet, our very own Matt Blistan was awarded the John Jordan Upchurch Award. Upchurch is recognized as the father of the fraternal benefit system, and this award in his honor recognizes distinguished and exemplary service to fraternalism within the PFA. Matt's lifelong commitment to fraternalism and his focus on its growth at GBU Life over his 20-year career distinguishes him among award winners. We at GBU were very proud to see him recognized for all of the great things he has done.

"It is a real honor to have my name added to a list of fraternal icons. In reality, if it wasn't for John Jordan Upchurch, we might all not be sitting here today as he really did bring the lifeblood of fraternals into a mostly social club industry by adding life insurance to our fraternal purpose." -Matt Blistan, Jr.

November 6-7, 2021: Flag Consecration

Matt Blistan and I recently attended the consecration ceremony for the new flag that was created for the Toledo Holzhacker Baum (THB). I brought my family along and learned a lot about this great organization that works in cooperation with GBU District 510.

When we received an invitation from the THB to attend its upcoming Fahnenweihe, I was immediately encouraged by Matt to attend. "It's a fun group, you'll love them," he insisted. So, I packed up my family, and we headed to Toledo. During the four-hour drive, I googled "fahnenweihe" and found out that it is one of those great German compound words that means "flag consecration." This is a very important day for a new flag. During the consecration ceremony, the flag is put under the protection of God and it is officially able to take up its duty representing the organization.

The day before the fahnenweihe, there was a casual reception held at the Chalet at Oak Shade Grove, the grounds of the German-American Festival where several German and Swiss cultural groups (seven to be exact) hold meetings and events. I met some District 510 members and officers as well as the current THB president, Andrew Beevis. Andrew told me the THB and District 510 joined forces in 2013 to promote German and Bavarian heritage in Toledo. Since then THB has grown, bringing a continuous influx of energetic families to help both organizations thrive. This past summer, THB found a unique way to fundraise by putting its energy and talent to bartending and catering for a huge summer concert series in Toledo.

My kids had a great time, as kids do when there are all-you-can-drink soft drinks and a dance floor involved. They were able to make fast friends with other children from the group. We toured Toledo on Saturday morning before the service, and both kids became Mud Hens fans for life, after simply seeing the logo. We also visited the Imagination Station, and I was almost unable to get everyone to leave in time!

The service itself was in the stunning St. Patrick's Cathedral and was a traditional Mass. It incorporated German hymns and readings and the final blessing and consecration of the new THB flag. At the reception afterward, the new flag of THB was displayed along with those of the other German dance organizations that came to celebrate and banners were handed out to mark the occasion. The evening progressed with lively (and live) music, dancing and great conversation, until the kids begged us to take them swimming at the hotel at 9:30 p.m.

The relationship between THB and District 510 is a great example of how districts can work together with organizations in their area for mutual benefit. The groups support each other, help each other to grow and bring a bigger presence in their community of their common bond-German heritage. Thank you to THB for the invitation to join in this celebration. We had a great time getting to know everyone, and my family and I are excited to return to Toledo for the German-American Festival in the summer!

District Community Spotlight

Wed, 05 Jan 2022 14:06:58 GMT

With the common interest of preserving Danube Swabian German heritage, GBU District 821 has always worked hand-in-hand with the Carpathia Club. Recently, the club formed a brand new entity, the Carpathia Foundation Inc., which is recognized as a 501(c)(3) organization.

The mission of the Foundation is to preserve and promote Danube Swabian German heritage, traditions and culture through customs, music, folk dance, education, sports and historic preservation. Many of those active in the forming and running of the Foundation are District 821 members, and the district is using GBU's new Give Back Groups benefit to match funds raised from the community for the foundation.

The Foundation was off to a great start this year as it brought back several traditional German events for the enjoyment of the community.

Kirchweih

The very traditional Kirchweih is still held in many European countries. This custom goes back centuries to celebrate the annual dedication or consecration of the local church. Historically, it is three days of activities beginning with beautiful decorations, a procession through the town and a special mass; all followed by delicious meals, dancing and fun for all. The date of Kirchweih varies from town-to-town, city-to-city, depending on the original dedication date, or on the church's patron saint day.

On November 13, it was good to see Carpathia Club nicely decorated and filled with friends ready to celebrate this traditional dance again. Kirchweih is surely the longest held dance within the club’s history. This year the event was sponsored by the newly created Carpathia Foundation, Inc.

Guests were greeted at the door with a pin of rosmarin (rosemary) and ribbons for luck and health. A delicious schnitzel dinner was served followed by a warm welcome to guests both local and from as far away as Milwaukee and Philadelphia.

The program began with the Carpathia Jugendgruppe (youth group) crowning the new royalty. Outgoing king and queen, Sebastian Cole and Alexandra Sehling (granddaughter of Edith Sehling), who reigned for a record-setting two years, passed the crown to new King Timothy Landenberger and Queen Kylie Kapraun (grandniece of Edith Sehling). The new royalty was immediately put to work. Taking the colorful beribboned Strauß (bouquet), they led the Kirchweih march throughout the hall, inviting guests to join in along the way. The procession ended with the dance floor full of happy participants ready to begin the celebration. ‘was ham mir heut? Ja, Kirchweih!

The Kindergruppe (children's group) charmed the audience, as usual, with its entertaining performance. Even the broom made it to the dance floor for a fun ‘Besen Tanz." Next up, the lively Strauß auction. In between bids, the Jugendgruppe delighted the crowd with spins, flying girls, flips and dancing to music. The lucky winner: Helga Kniep , who coaxed husband Burkhard to join her for the Ehrenwalzer (honorary waltz).

The Jugendgruppe performance began with much enthusiasm. The first dance included a nod back to the Kronen Tanz (Crown Dance) of years ago where the dancers marched in holding decorated arches. A new program of up-tempo dances showed their dancing skills and delighted the audience. The Carpathia Blasmusikanten provided music for our listening and dancing pleasure. A traditional evening requires a traditional band.

Christmas Market

District 821 was not able to hold its annual Christmas market last year due to COVID-19 restrictions, Much to everyone's delight, it was able to be held this year on November 28, District 821 President Edith Kuplent had worked since early spring to secure crafters and volunteers for the event. However because of very active district members like Adele Reinke , Peter Hermann and Joseph Groele passing to their reward, and many others having difficulty managing the event due to health and age, the district voted to ask the Carpathia Foundation to take over the event. Even with the first snow, many people came. The annual GBU display was hosted by Marianne Krenzer and drew quite a group of interested people stopping by to find out more about GBU and enjoy some nice promotional giveaways.

Teaming up with other organizations who share values and goals in your community is a great way to expand the reach of your GBU district. Thank you to District 821 for your work throughout the pandemic to keep your district active and your common bond of German culture alive in your community. If your district would like help brainstorming ways to work with additional groups in your community, set up a meeting with Districts and Special Projects Coordinator Mary Koczan at the Home Office.

A special thank you to Marianne Krenze r, acting secretary of District 821, and Karin Schwalbe , director of the Carpathia Foundation, for providing content for this article.

Districts in Action 2022

Tue, 04 Jan 2022 20:37:48 GMT

Being community driven for over 129 years, GBU wishes to support the extraordinary local organizations that make a difference in each of our communities through our network of GBU districts.

The Home Office wants to work with your local GBU district to support a 501(c)(3) organization in your area. To kick off the fundraiser, GBU will donate $1,000 to the selected organization. From January 1, 2022, to February 1, 2022, GBU will match 100 percent of member donations received for the district-selected organization, up to $2,500.

Check your mailbox for a fundraising letter in January 2022.

If you have questions, please contact the GBU Fraternal Department at 412-884-5100, 800-765-4428 or memberbenefits@gbu.org.

Walk Like Madd

Tue, 04 Jan 2022 20:28:33 GMT

2021 Fundraiser

My name is Jon Naser. Along with my mom Joann, sister Liz and friend Pam (all fellow GBU members), we participated in the Walk Like MADD event at North Park in Pittsburgh, Pennsylvania, on September 19. Special thanks go to Pam’s husband John Ondash, GBU agent and our event photographer.

We were grateful to participate in a GBU Give Back Group. Our team raised $3,803 with many donations from GBU members, employees and friends (some of whom gave anonymously). GBU matched that amount and also sponsored the event at the $1,000 level; helping our total fundraising surpass $15,000! Our goal was$5,000. The walk had 55 participants and 11 teams.

Why We Walk

I lost my dad Jim to a drunk driver in November 2007. He was taking my sister Liz and her two friends to basketball practice when he was hit by a drunk driver and killed instantly. Liz had severe injuries which required emergency brain surgery and was in a medically induced coma for several days. She made a miraculous recovery. Her two friends also made full recoveries.

Pam and John’s son David was killed by a drunk driver in 2011. David was a loving father of three and Marine veteran. His loss led Pam to become involved with MADD. She is a dedicated volunteer and was co-chair of the Walk.

Drunk driving is a choice and a 100% preventable crime but 10,142 people were killed by drunk driving in the United States in 2019. That's a death every 50 minutes and 29 a day. MADD advocates for stronger drunk driving legislation and provides free victim services to anyone impacted by drunk driving.

To stay up to date on our events please check out facebook.com/MADDPenn. We have several events each year such as memorial events and Pirates game fundraisers in addition to our yearly walk. Stay tuned for a Penguins game fundraiser on Sunday, January 23, 2022.

Thank you everyone for your donations and support. I'd like to thank all of the Home Office staff (Matt, Julie, Mary, Anna, Rachel, Jennifer and Natasha) for their support and assistance. Thank you to all the donors and volunteers. We're very grateful your support. Thank you!

Top 5 Indoor Activities to Keep You Occupied This Winter

Tue, 04 Jan 2022 19:57:26 GMT

Try out these fun activities if you are starting to feel the onset of cabin fever.

Sled Riding Safety Tips

Tue, 04 Jan 2022 19:21:26 GMT

Here are some sled riding safety tips to keep in mind this Winter.

Winter Craft: Handprint Penguin

Tue, 04 Jan 2022 17:50:57 GMT

What you'll need to make the penguin:

Construction paper (colors needed: black, white, orange and blue)
Googly eyes
Scissors (adult supervision may be needed while cutting paper)
White chalk
Glue stick
Pencil or pen
Optional: pom poms, sequins

Directions:

Use blue construction paper as your background. On white construction paper, cut a wave pattern (you want it to look like a snowy hill). Glue it onto the blue construction paper.
On black construction paper, spread fingers apart and trace both hands with a pencil or chalk. Round out the bottom of the handprint. Cut out the handprints to develop the penguin's head and begin building your penguin from there.
To make the penguin's belly, use the bottom of a coffee cup and trace a circle on white construction paper, cut it out.
For the beak, cut a triangle out of the orange construction paper.
Now, assemble your penguin! Glue the googly eyes, beak and belly onto the handprint.
Last but not least, make old-fashioned snowflakes using white construction paper and scissors. Glue the snowflakes to the blue background. If you're feeling fancy, add sequins or pom-poms.
Finally, with a pen or pencil, make sure the artist signs his or her name on the back of the masterpiece!

Partnering for Better Communities

Tue, 04 Jan 2022 16:18:06 GMT

GBU is looking for more ways to help in our member communities. Meet some of the organizations we are working with that make a big impact, not only in Pittsburgh, but throughout the world.

Baby, It's Cold Outside

Tue, 04 Jan 2022 14:41:13 GMT

When it's cold weather season, it is not a reason to go into physical hibernation mode. Think of it as a season to head outdoors for some adventurous fun!

Exercising in cooler weather has its advantages over working out in warmer weather. You may be able to work out longer and burn more calories.

Steady exercise helps to boost your immunity during cold and flu season. Although it may be a little gloomy, you're still getting in that all-important vitamin D.

The chill in the air can make you feel invigorated.

What are you waiting for? Get out there and enjoy the winter season all the while exercising!

Bavarian Apple Sausage Hash

Mon, 03 Jan 2022 21:03:30 GMT

Ingredients

2 tablespoons canola oil
1/2 cup chopped onion
4 fully cooked apple chicken sausages, sliced (or sausage flavor of your choice) 1-1/2 cups thinly sliced Brussels sprouts 1 large tart apple, peeled and chopped 1 teaspoon caraway seeds
1/4 teaspoon salt
1/8 teaspoon pepper
2 tablespoons finely chopped walnuts 1 tablespoon brown sugar
1 tablespoon whole grain mustard
1 tablespoon cider vinegar

Steps

In a large skillet, heat oil on medium-high; sauté onion for 1 to 2 minutes or until tender.
Add sausages, Brussels sprouts, apple and seasonings.
Sauté ingredients for 6 to 8 minutes or until lightly browned.
Add in walnuts, brown sugar, mustard, and vinegar.
Cook and stir for 2 minutes.

Prep/total time: 35 minutes Servings: 6

Cream of Crab Soup

Mon, 03 Jan 2022 20:47:08 GMT

Ingredients

1/4 cup butter
1 cup onion coarsely chopped
1/3 cup flour
4 cup milk or half-and-half
1 tablespoon Old Bay Classic Seafood Seasoning
1/2 teaspoon parsley flakes
1 pound lump crabmeat

Steps

Melt butter in 3-quart saucepan on medium heat. Add onion; stir and cook for 5 minutes or until softened.
Add flour, Old Bay and parsley into the saucepan. Whisk ingredients until well-blended.
Gradually add milk (or half-and-half) while whisking and bring to boil.
Stir in crabmeat and reduce heat to low. Simmer for 20 minutes while stirring occasionally.
Prep: 5 minutes Cook: 30 minutes Total time: 35 minutes Servings: 6

Did You Know? Tax Tip Provided by H2R CPA

Mon, 03 Jan 2022 20:26:33 GMT

Did You Know?

Your qualified charitable distributions can satisfy all or part the amount of your Required Minimum Distribution (RMD) from your IRA. For example, if your 2021 required minimum distribution was$10,000, and you made a $5,000 qualified charitable distribution for 2021 you would have had to withdraw another $5,000 to satisfy your 2021 RMD.

How it Works

Charitable distributions are reported on Form 1099-R for the calendar year the distribution is made. Please make sure that you advise your tax preparer if you did make a qualified charitable distribution in 2021.

To report a qualified charitable distribution on your Form 1040 tax return, you generally report the full amount of the charitable distribution on the line for IRA distributions. On the line for the taxable amount, enter zero if the full amount was a qualified charitable distribution. Enter "QCD" next to this line. See the Form 1040 instructions for additional information.

You must also file Form 8606, Nondeductible IRAs, if:

You made the qualified charitable distribution from a traditional IRA in which you had basis (funds that had already been taxed) and received a distribution from the IRA during the same year, other than the qualified charitable distribution; or
The qualified charitable distribution was made from a Roth IRA.

For more information on how to satisfy your RMD with a charitable donation, consult your tax preparer or CPA.

Aging Well: Motivation

Mon, 03 Jan 2022 20:11:11 GMT

True, our bodies go through natural changes as we advance in age. Skin loses elasticity, bones become less dense, muscles and joints talk more and our teeth and gums shift. One thing that isn’t a natural sign of aging is the lack of motivation to pursue a purposeful goal-driven lifestyle.

To create a happy disposition and engage in healthy patterns of living requires motivation at any age. However, a thriving positive attitude and will-do attitude often becomes a whisper in the third spring. The need for change is constant throughout life. People seek new opportunities to learn, create and build to enhance their own quality of living. Why is it then that many people lose that drive and determination as the years pile on? Nothing about aging says that you must wonder less, cease to explore or become a lesser version of yourself.

Does advanced aging truly require us to “slam on the brakes”? Not having something to look forward to can lead to isolation, lower self-efficacy and the ever harmful sad days. Motivation upon rising sets the spirit for the day ahead. Movement like a brisk walk or reaching and stretching gets the heart pumping before breakfast.

Make plans each day to do something meaningful. Meet a friend to join an exercise class, take up painting or teach someone how to bake bread. Writing in a journal is another uplifting experience that will help the brain fire up and yearn for more.

Your goals at age 85 are not the same thing as your goals at age 35. But you still need them. I get it that your week may include doctor visits, or that you can’t dance like you once did or navigate the elements for a full day of hunting.

What can you do? Create a list of five things that bring you joy, then make them happen. No excuses; just put the effort forward. You will age the way you think you will, and that is all that matters.

Cathy Graham is director of Graceful Aging Wellness Center of Bethlen Communities, Ligonier, Pennsylvania, and a District 3000–HRFA member.

Give Your Home a Winter Refresh with Amazon Smile

Mon, 03 Jan 2022 20:00:33 GMT

The AmazonSmile program gives back a portion of your Amazon purchases to the organization of your choice. In order to donate to the GBU Foundation, go to Amazonsmile.com and select 'GBU Scholarship Foundation, Inc.' as the organization you would like to support.

Tips for Saving on Your Winter Heating Bill

Mon, 03 Jan 2022 18:56:13 GMT

Here are a few ways you can keep the utility costs down this winter.

A New Schedule for the Reporter

183:849361569 (Jennifer Stockdale) — Mon, 03 Jan 2022 18:30:37 GMT

Each month, we receive additional requests from members to receive a digital-only copy of The Reporter. For some members, it is easier to fit reading a digital copy into their schedule, and for many, the request comes from a desire to be more sustainable in their everyday lives. We also know, based on our 2021 member survey results, that a majority of you still enjoy receiving a hard copy of The Reporter and read it regularly.

It is with this feedback in mind, that GBU will change to a quarterly format for The Reporter for 2022. This new schedule will allow us to bring you seasonal, timely information, while saving more than 280 trees each year! It also allows our team to bring you interesting content between issues via The Reporter website and the GBU Life Member Community.

With the new format, if you are receiving a mailed copy of The Reporter, you will receive four issues per year in January (Winter), April (Spring), July (Summer) and October (Fall). If you subscribe digitally, you will receive one mailed copy per year with our annual Privacy Policy Notice as well as any additional issues that we are required by law to deliver of any notice, report or statement, including notice of election and all amendments to the Articles of Incorporation or bylaws of GBU. If you wish to receive these official-notice issues electronically as well, you can digitally opt-in by going to inside.gbu.org/digital-opt-in.

We are looking forward to reaching out to you each season with new and interesting content in 2022. We love producing each issue of The Reporter for you, and we hope that you enjoy reading it just as much!

Sincerely,

The Reporter Team

Escaping the Winter Blues

Mon, 03 Jan 2022 18:18:01 GMT

As a blistery chill swirls through the air and darkness sets in before your workday comes to a close, the inevitable feeling of dread may start to set in like clockwork. Since we can't make the days longer or bring back the temperatures that soothe our souls, the best approach is to arm ourselves with the tools to cope with the winter blues.

Ring in 2022!

Mon, 03 Jan 2022 17:55:22 GMT

Happy New Year to all members and friends of GBU!

It has been an eventful year at GBU and no doubt in your world as well. I hope that you all had a small escape from the ups-and-downs of COVID and were able to enjoy a happy holiday season with your loved ones. This past year has had its triumphs with development of new vaccines and treatments for COVID-19 and difficulties with new variants as well as supply chain and worker shortages worldwide. But as always, we at GBU Life weathered the storm and are optimistic about 2022. We remain committed to helping you protect and grow your assets while offering you the best member benefits, opportunities for community development and fraternalism in the industry.

In 2021, we continued our efforts to support the local and national organizations that were doing great things to help our members' communities. We developed our new Give Back Groups program, which allows our members to help their local communities where they see a need. We continued our strong support of organizations servicing our military service members and veterans while helping support organizations focusing on children.

We look forward to expanding these programs in 2022 and hope that you will allow us to assist you in the great things you are doing in your communities. We also saw member engagement increase more than ever in 2021 as many of you got together to attend both in-person and virtual events.

This past year, GBU Life launched multiple new life insurance and annuity products. Our Secure Whole Life Series and Select Choice Term Life products allow higher face values with expanded rider options.

Our new Asset Guard Multi-Year Guaranteed Annuities (MYGA) are a single premium product that guarantees your interest rate for 2-, 3-, 4- or 5-year terms, providing our members even more opportunities for assured growth of their funds.

GBU continues to grow in many ways. During 2021 we were approved to offer products in an additional 20-plus states; We gained 3,300 new GBU members through new policies and members who have joined our Society via Assumption Reinsurance transactions. We will add many more new members with our newest District 5000-Inddeeppeennddeenntt Order of Vikings (IOV), which we hope to finalize early in 2022. More news will be shared on that topic in the second quarter.

To support our continued growth, we have welcomed new employees in all areas of GBU. Further, we continue our technology and operations advancement to modernize and streamline new business and service processes. These changes will ensure that each of you, our valued members and distribution partners, have the best possible experience when working with GBU.

We are still closing out finances for 2021, but we expect strong growth in our assets while expanding our secure reserve funds. We will publish all of the details for you in the 2022 Annual Report, which you can anticipate during the year's second quarter. Although it is easy to feel uncertain about the world around us, we remain very confident at GBU Life in the year to come and look forward to building on the significant advancements we have made over the last few years to further strengthen and grow our Society in a secure manner.

We look forward to servicing and supporting you throughout 2022 and beyond.

All the best,

William Hunt, CEO

In Memoriam: August-November 2021

Wed, 22 Dec 2021 14:11:15 GMT

A tribute to members we have lost.

How to Save Money in College

Thu, 21 Oct 2021 16:55:23 GMT

Looking for ways to save money while in college? Use these easy-to-follow steps to help keep extra costs low.

2021 Freshman Scholarship Awards

Tue, 19 Oct 2021 18:59:16 GMT

2021 Freshman Scholarship Awards

These students each received a $1,500 GBU Foundation Scholarship.

2021 Undergraduate Scholarship and Graduate Scholarship Awards

Tue, 19 Oct 2021 18:58:23 GMT

2021 Undergraduate Scholarship Awards

These students each received a $1,000 GBU Foundation Scholarship.

Samuel J. Copeland

District 684-Pittsburgh, PA

Civil Engineering University of Pittsburgh

Cassidy A. Dubendorfer

District 510-Toledo, OH

Early Childhood Education Bowling Green State University

Mara E. Harouse

District 684-Brentwood, PA

Natural Science, Pre-Med Track University of Pittsburgh

Chadwick W. Huss

District 510-Toledo, OH

Biology

University of Toledo

Crystal L. Jones

District 999-National

Nursing

Liberty University

Katherine A. Koch

District 4000-Sokol USA

Dance/Pre-Medicine

University of Hawaii at Manoa

Gage W. Krumlauf

District 2000-ULS

Mechanical Engineering

Cleveland State University

Robert S. Redinger

District 684-Pittsburgh, PA

Business Administration/Finance Waynesburg University

Brittany F. Rusch

District 999-National

Dance/Psychology

University of Wisconsin-Milwaukee

Stephanie K. Walters

District 999-National

Pre-Dental

University of Wisconsin

2021 Graduate Scholarship Award s

These students each received a $1,000 GBU Foundation Scholarship.

Alex J. Kloster

District 510-Toledo, OH

Doctor of Medicine University of Toledo

Christina J. Mealwitz

District 2000-ULS

Genetic Counseling Case, Western Reserve University

Alexander P. Megremis

District 999-National

Medicine Indiana University

Jordan C. Rhone

District 45-Altoona, PA

Law, Pennsylvania State University

Desiree L. Staifer

District 510-Toledo, OH

Accounting Southern New Hampshire University

Brittany K. Tarkanyi

District 3000-HRFA

Health Care Law Belmont University School of Law

2021 Two-Year Scholarship Award

This student received a $1,000 GBU Foundation Scholarship.

Abigail L. Fisher

District 999-National

Liberal Arts and Sciences

Pennsylvania Highlands Community College

2021 Freshman Scholarship Renewals

Tue, 19 Oct 2021 18:57:37 GMT

These students each received a $1,500 scholarship renewal.

Madison N. Ancosky

District 4000-Sokol USA

Industrial Engineering West Virginia University

Devin G. Borowski

District 999-National

Real Estate University of Wisconsin-Madison

Bert Waltenberger

Memorial Scholarship

Michael A. Bradley

District 684-Pittsburgh, PA

Aeronautics Kent State University

Peter J. Carozza

District 171-Pittsburgh, PA

Mechanical Engineering Pennsylvania State University

Nicholas J. Doman

District 630-Ann Arbor, MI

Biochemistry Florida International University

Van Breukelen Family Scholarship

Leslie E. George

District 999-National

Bioengineering University of Pittsburgh

Ethan C. Gresh

District 510-Toledo, OH

Nursing Eastern Michigan University

Shelby P. Korytkowski

District 707-Grand Rapids, MI

Biology; Pre-Veterinary Central Michigan University

Bailey L. Orr

District 999-National

Criminal Justice Administration

Clarion University

Adrienne E. Schupp

District 4000-Sokol USA

Economics & Finance

John Carroll University

Nicole P. Walko

District 4000-Sokol

Neuroscience/Pre-Med Trinity University

Kenna L. White

District 646-Corapolois, PA

Chemistry Juniata College

Marley M. Wolf

District 999-National

Undecided

Waynesburg University

Ethan R. Burawa

District 300- HRFA

Mathematics

Walsh University

John A. Culley

District 815-Dayton, OH

Computer Science & Engineering Ohio State University

Elena J. Gioiello

District 3000-HRFA

Biology/Pre-Dental Walsh University

Mario J. Gioiello

District 3000-HRFA

Aeronautics Kent State University

Josiah R. Jaster

District 999-National

Computer Science & Applied Mathematics

Kettering University

Grant D. Martin

District 999-National

Business

Pennsylvania State University- Beaver

Elijah A. McCymonds

District 999-National

Mathematics

Slippery Rock University

Montana S. Olexa

District 4000-Sokol USA

Biology & Pre-Med

Gannon University

Katrina J. Mondor

District 684-Pittsburgh, PA

Comedic Writing Emerson College

Bert Waltenberger

Memorial Scholarship

Emma P. Sanders

District 2000-ULS

Biology & Psychology, Pre-Med Juniata College

Cambrie J. Short

District 999-National

Political Science & Pre-Law Duquesne University

Joshua W. Speaker

District 999-National

Accounting Franciscan University

Michael W. Zemanek

District 810-Cleveland, OH

Pre-Med/Engineering Davidson College

Haleigh R. Gronwold

District 999-National

Biology

University of Florida

Bert Waltenberger

Memorial Scholarship

Klayton J. Hacker

District 999-National

Computer Science University of Cincinnati

Emma C. Henschel

District 999-National

Applied Physics Wheaton College

Evan J. Kundrod

District 291-Summerhill, PA

Financial Accounting

University of Pittsburgh-Johnstown

Gabrielle N. Lucas

District 2000-ULS

Political Science and History

Westminster College

Shane J. Moran

District 999-National

Biology & Theology

Saint Vincent College

Daniel M. O'Neill

District 3000-HRFA

Chemical Engineering University of Pittsburgh

Drew A. Slezak

District 4000-Sokol USA

Quantitative Economics US Naval Academy

Cassie N. Tillia

District 999-National

Biology University of Florida

Caitlin L. Ulrich

District 684-Pittsburgh, PA

Occupational Therapy Duquesne University

Sydney S. Wolf

District 999-National

Psychology Seton Hill University

These students each received a $500 scholarship renewal.

Joshua K. Burgett

District 999-National

Mechanical Engineering Arizona State University

Morgan M. Glista

District 999-National

Graphic Deisgn Arcadia University

Peyton E. Korytkowski

District 707-Grand Rapids, MI

Interior Design & Architecture

Central Michigan University

Mary M. Pocorus

Memorial Scholarship

Jared E. Klaber

District 999-National

Chemical Engineering University of Cincinnati

Frank F. Pocorus

Memorial Scholarship

Alexis K. Feldman

District 999-National

International Affairs & Cultural Anthropology Northeastern University

Dr. Ludger F. Pocorus Memorial Scholarship

Kelsey H. Cross

District 2000-ULS

Nutrition/Pre-Med Louisiana State University

Ronald Pocorus Scholarship

Maximillian Ehinger

District 630-Ann Arbor, MI

Aerospace Engineering Washtenaw Community College

These students each received a $1,000 scholarship renewal.

Meghan Chrobot

District 999-National

Music Business Anderson University

Thomas Cooper

District 4000-Sokol

Finance University of Delaware

Presley Dougherty

District 291-Summerhill, PA

Mechanical Engineering

Pennsylvania State University

John Koch

District 4000-Sokol USA

Physical Education & Heath Teaching

Kean University

Kevin Mealwitz

District 2000-ULS

Supply Chain Management

Ashland University

Barbara Simon

District 3000-HRFA

M.D. Degree Semmelweis University

Caitlyn Urban

District 3000-HRFA

Secondary Education Social Studies California University of Pennsylvania

Abby G. Polce

District 999-National

Nursing

Florida Gulf Coast University

Quincy R. Sterner

District 999-National

Civil Engineering

University of Pittsburgh-Johnstown

Kelly Ann Swartz

District 99- National

Mental Health Counseling Northwestern University

Holly Critchley

District 200- ULS

Law University of Connecticut

Fred Gibson

District 1000-LFA

Law

Penn State Dickinson Law School

Makayla Himes

District 999-National

Occupational Therapy Chatham University

Marin Schmitt

District 999-National

Public Health

University of Wisconsin-Milwaukee

Allison Studmann

District 510-Toledo, OH

Nurse Education

Western Governor's University

Kristin Bajak

District 999-National

Business Management

Wisconsin Indianhead Technical College

Zachary Dosey

District 630-Ann Arbor, MI

Mechatronics Washtenaw Community College

Ryan A. Young

District 2000-ULS

Radiation Technology Community College of Allegheny County

2021 Corporate Giving and Personal Give Grants

Tue, 19 Oct 2021 18:56:25 GMT

These students each re ceived a $1,000 grant made available by PNC.

Megan M. Bliss

District 4000-Sokol USA

Early Childhood Education

James P. Stenske

District 510-Toledo, OH

Biomechanical Engineering

University of Iowa

Nicholas W. Walters

District 999-National

Biology/Pre-Dental

University of Wisconsin-Eau Claire

Joelle M. Beaumariage

District 999-National

Business

Riana Wilsie

District 361-Barberton, OH

Business Sustainability

Arizona State University

These students each received a $1,000 grant made available by Grant Thornton, LLP.

Fiorella Marina V. Nicoloso

District 999-National

Public Heath/Infectious Disease & Microbiology

University of Pittsburgh

Emily C. Walko

District 4000-Sokol, USA

Music/Business

Belmont University

These students each received a $500 grant made available by the following sponsors.

First Consulting

Sydney M. McCall

District 291-Summerhill, PA

Communication Science & Disorders

Parkway Advisors

Elizabeth R. Naser

District 3000-HRFA

Early Childhood Education

University of Pittsburgh

Miller & Newberg Consulting Actuaries

Jacob M. Konopsky

District 4000-Sokol, USA

Integrated Media & Strategic Communications

Mercyhurst University

The Musuneggi Financial Group

Stephanie L. Angle

District 2000-ULS

Accounting

Wake Forest University

Hoffman Murtaugh

Matthew P. Mealwitz

District 2000-ULS

Business Management

Ashland University

This student received a $250 grant made available by Willis Towers Watson, in addition to a $500 grant from the GBU Foundation.

Katherine A. Walco

District 4000-Sokol USA

Mathematics & Secondary Education

James Madison University

These students received a $500 grant made available by the personal donations of those listed.

James R. Stoker Memorial Education Grant

Matthew S. Moran

District 999-National

Exploratory Fine Arts/Business

Indiana University of Pennsylvania

John P. Albright Grant

Devon R. Watz

District 2000-ULS

Communications

Former District 496-Gill Hall, PA Education Grant

Dylan T. Cannon

District 684-Pittsburgh, PA

Civil Engineering

Geneva College

Former District 491-Granite City, IL Grants

Brandon P. Hines

District 999-National

Safety Management

Slippery Rock University

James E. Lockwood

District 3000-HRFA

Biblical and Theological Studies

Cedarville University

James R. Stoker Higher Education Grants

Dylan W. DeDominicis

District 999-National

Information Systems & Technology/Supply Chain Management

Duquesne University

Ethan M. Gamble

District 684-Pittsburgh, PA

Unknown

Naval Academy Preparatory School

Abigail M. Gonzalez

District 999-National

Industrial Engineering

University of Wisconsin-Platteville

Garrett W. Gresh

District 510-Toledo-OH

Elementary Education & Math

Saginaw State University

Anna M. Jurkovich

District 810-Cleveland, OH

Finance

Unknown College

Tye G. Orosz

District 291-Summerhill, PA

Unknown Major

Unknown College

Courtney R. Pier

District 2000-ULS

Recreational Therapy

Slippery Rock University

Samantha M. Pracko

District 4000, Sokol USA

Criminal Justice

University of Wisconsin-Platteville

Alaina G. Sommerstorfer

District 821, Sterling Heights, MI

Animal Behavior, Ecology & Conservation

Canisius College

Angela M. Wharton

District 45, Altoona, PA

English

Saint Francis University

2021 GBU Foundation Grants

Tue, 19 Oct 2021 18:55:38 GMT

Alexej S. Banjak

District 4000-Sokol USA

Computer Science

Unknown College

James J. Benke

District 646-Coraopolis, PA

Chemical Engineering

Unknown College

Hailey A. Biehl

District 2000-ULS

Psychology

Kent State University

Joshua Bierlein

District 699-Frankenmuth, MI

Early Childhood Education

Western Michigan University

Jonathan R. Bodenschatz

District 291-Summerhill, PA

Pennsylvania State University

Jeri L. Brooks

District 815-Dayton, OH

Psychology

Florida State University

Chloe M. Brzozowski

District 815-Dayton, OH

Theatre Design & Technology

University of Evansville

Andrew T. Chwalik

District 999-National

Elementary Education/Special Education

Mount Saint Mary’s University

Jenna J. Corey

District 630-Ann Arbor, MI

Biomedical Science

Olivia A. Davis

District 2000-ULS

Environmental Engineering

Grace A. Dietrich

District 999-National

Athletic Training

Duquesne University

Blaine A. Drews

District 630-Ann Arbor, MI

Unknown

Michigan State University

Jacob R. Dubendorfer

District 510-Toledo, OH

Unknown Major

Unknown College

Lisa Jo Fanelli-Greer

District 999, National

Unknown

Evangelical Seminary

Nicole D. Faulhaber

District 999-National

Marketing/Business

University of Akron

Benjamin M. Ferrara

District 2000-ULS

Computer Science

University of Colorado-Colorado Springs

Haylee A. Fleishman

District 3000-HRFA

Middle-Level Education (Math & English)

Slippery Rock University

Jacob P. Flynn-Long

District 291-Summerhill, PA

Computer Engineering

Unknown College

Gabrielle E. Franklin

District 999-National

Diagnostic Medical Sonography

Clarion University/

Great Lakes Institute of Technology

Riley F. Franklin

District 999-National

Finance

St. Bonaventure University

Alyson B. Gonzalez

District 999-National

Unknown Major

Unknown College

Tinley R. Hathaway

District 2000-ULS

Microbiology

Unknown College

Shane P. Keefer

District 684-Pitsburgh, PA

Mechanical Engineering

Robert Morris University

Noah W. King

District 999-National

Unknown Major

Pennsylvania State University

Eric L. Klaber

District 999-National

Communications

Unknown College

Jacob Klein

District 2000-ULS

Engineering

University of Florida

Karl C. Larson

District 3000-HRFA

Unknown Major

Unknown College

Rachel D. Loftus

District 999-National

Criminal Justice

Southern Illinois University of Evansville

Lauren E. Mahler

District 510-Toledo, OH

Medical Laboratory Science

Unknown College

Lincoln H. Martin

District 999-National

Safety Management

Community College of Beaver County

Emily B. McCullough

District 999-National

Creative Writing

Bob Jones University

Grace E. Mischak

District 3000-HRFA

Political Science/Law

Unknown College

Nicole M. Mischak

District 3000-HRFA

Integrative Biology

University of Illinois at Urbana-Champaign

Joshua R. Micknowski

District 999-National

Unknown Major

Indiana University of Pennsylvania

Christian J. Peek

District 815-Dayton, OH

Business

Bowling Green State University

Matthew S. Pracko

District 4000-Sokol USA

Aviation Flight Technology

Lewis University

Emily C. Pranskevicius

District 4000-Sokol USA

Chemistry

Illinois State University

Rachel A. Redinger

District 684-Pittsburgh, PA

Public & Applied History

Waynesburg University

Sophia R. Shannon

District 4000-Sokol USA

Pre-Professional Animal Science

Delaware Valley University

Maren E. Steinbugl

District 45-Altoona, PA

Unknown Major

Unknown College

Benjamin W. Tarkanyi

District 3000-HRFA

Unknown Major

Unknown college

Victoria L. Tunney

District 999-National

Nursing

University of Rhode Island

Nicole L.F. Tye

District 510-Toledo, OH

Finance

Bowling Green State University

Clark V. Visca

District 2000-ULS

Business

University of Utah

Rebekah E. Vishanoff

District 298-Allentown, PA

Elementary Education

Grand Canyon University

Madison B. Walters

District 999-National

Unknown Major

University of Wisconsin

James R. Wharton

District 45-Altoona, PA

Unknown Major

Saint Francis University

Stephen J. Wilhelm

District 2000-ULS

Sports Management

Unknown College

Brendan M. Witt

District 510-Toledo, OH

Finance

Unknown College

Jarred M. Wulf

District 510-Toledo, OH

Environmental Science

Bowling Green State University

Molly C. Yatchyshyn

District 4000-Sokol USA

Graphic Design/Marketing

Caroline M. Young

District 4000-Sokol USA

English & International Business

Monmouth College

Ericka P. Zeigler

District 3000-HRFA

Criminal Justice

Unknown college

2021 High School Freshman Grants and GBU Community Scholarships

Tue, 19 Oct 2021 18:35:45 GMT

2021 High School Freshman Grants

These students received a $250 grant from the GBU Foundation.

Sarah Bodenschatz

District 291-Summerhill, PA

Lainie Harrington

District 999-National

Maria Janjanin

District 817-Philadelphia, PA

Sophia Maechner

District 810-Cleveland, OH

Evan McCaulley

District 45-Altoona, PA

Logan McIntyre

District 291-Summerhill, PA

Meghan Mischak

District 3000-HRFA

Jonah Orosz

District 291-Summerhill, PA

Roger Philipp

District 999-National

Gracie Putnam

District 707-Grand Rapids, MI

Blake Schroeder

District 630-Ann Arbor, MI

Lilliana Varga

District 3000-HRFA

2021 GBU Community Scholarships

These students received a $1,000 scholarship from the GBU Foundation.

Roshna Battarai

Baldwin High School

University of Pennsylvania

Ashley Mingrino

Brentwood High School

University of Pittsburgh

2021 Volunteer of the Year

183:849361569 (Jennifer Stockdale) — Tue, 19 Oct 2021 15:36:02 GMT

Meet Timothy

Timothy Knell was nominated by Laura Fine , the volunteer coordinator at the Washington Area Humane Society (WAHS).

In her nomination, Fine tells a compelling story about Knell’s extraordinary efforts during the pandemic: not only did Tim foster several cats, but he also created videos of himself reading books to the shelter cats. The videos became a hit with the public and led to additional cat adoptions. Tim was also a key volunteer in the success of the WAHS’s emergency food bank program, ensuring that those shut-in due to the virus were able to receive food needed for their pets.

"It’s not about the hours, but the impact," Fine writes,

" Tim has made an impact on the community and in the cat department and we are so grateful to call him a volunteer! But if you are counting, Tim has spent 885 hours making a difference for the Washington Area Humane Society!"

GBU Life’s members are connected through their commitment to their local communities. GBU has several programs which support members across the country with their volunteering and fundraising efforts. The Making a Difference: One Hour at a Time program donates $15 to an organization for each hour a member volunteers there. GBU’s Give Back Groups program matches members’ fundraising efforts and offers reimbursement for dollars spent by members to assist with community projects.

“It is members like Tim that really further the mission of GBU," said GBU National Vice President Matt Blistan . “His commitment to his community through something he is passionate about is what we look for in our Volunteer of the Year.”

As a thank you for Tim’s efforts, GBU presented the Washington Area Humane Society with a $1,000 check on July 28.

Member Spotlight

Tue, 19 Oct 2021 15:19:49 GMT

Charity Ruhl, director and coach of Falcon Gymnastics-Monessen (District 4000-Sokol USA, Lodge 47) was named one of the 25 national winners of Positive Coaching Alliance's (PCA) Double-Goal Coach® Awards. She was the only gymnastics coach named this year! The national winners were selected by a panel of nine sports and business professionals who served as judges for PCA's awards.

According to the PCA website, the organization has partnered with the Amateur Athletic Alliance (AAU) since 2010 and offers education courses for coaches and team administrators. “A Double-Goal Coach has two goals: winning, and the even more important goal of teaching life lessons through sports.”

Any youth or high school sports coach in the U.S. with at least three years’ experience is eligible for PCA’s Double-Goal Coach® Award. Once a coach is nominated and passes a background check, they are notified and asked to respond to four short essay questions and to submit email addresses for between 3 and 20 references.

The following is an excerpt from one of the references submitted for Charity that was posted on the PCA announcement of the 2021 winners:

"Charity always puts the gymnasts and her coaching staff above all else. This isn’t a business to her. This is a place where kids can come, have fun, learn gymnastics and know that their coach really cares about them. Charity gets to know the girls and families well. She has made the girls feel like they are part of another family. She represents hard work and commitment to the sport. She inspires so many kids and dedicates a ton of her time to coaching and supporting."

Congratulations Charity! Your Sokol family always knew you were an excellent coach and mentor. Your national PCA award confirms this to the entire gymnastics’ world. Keep up the great work. Nazdar! (On to success!)

Aging Well: Resilience

Mon, 18 Oct 2021 19:42:22 GMT

How do some people manage to bounce back from adversity and misfortune, while others in the same situation dive into a downward spiral? When devastation strikes swiftly and uproots lives, what makes some people rise up while others crumble and fall? The answer is resilience.

Psychological resilience is described as the ability to cope with a crisis mentally or emotionally or to return to pre-crisis status quickly, even in the throes of darkness. Resilience isn’t happenstance; it is a learned behavior. People void of resilience choose to be powerless and victimized. The sludge of negativity weighs them down until they become immobile, then matters get worse, just as they expected. We become more resilient with practice. Bouncing back quickly from disappointments, changes or failure increases our resiliency stamina.

Additional ways to build resiliency include giving grace instead of giving in to stress. By getting in step with all the right things in the world, you can learn to navigate the unexpected. Thinking patterns trigger emotional patterns. You can change emotional patterns by curtailing negative thinking; you do that by soaking up positive vibes.

Resilient people know how to live with appreciation and gratitude, and they have well-defined social connections. They know they create their own responses in life. They move their bodies, get fresh air and relate well to nature. They sleep soundly knowing that the body, mind and spirit need rest. They are mindful of how they feel in the moment and adapt to being positive quickly.

You choose to be happy, alone, loved, burdened or fearful. It’s as simple and as complicated as that.

Cathy Graham is director of Graceful Aging Wellness Center of Bethlen Communities, Ligonier, Pennsylvania, and a District 3000–HRFA member.

Magee Women's Research Institute: Improving the lives of women

Mon, 18 Oct 2021 19:30:50 GMT

Pittsburgh is fortunate to have one of the top research institutes in the world dedicated to improving the health and well-being of women. Magee’s research “spans a woman’s lifetime, from the first 9 months to 90-plus years.” GBU Life is proud to begin a partnership with Magee Women’s Research Institute through donations, fundraising support and sharing of educational information which will highlight research that will help not only women in the local community but throughout the world. In September GBU Life sponsored Savor Pittsburgh, an annual event that highlights local chefs and raises funds for Magee.

Look for articles, health tips and more information from the Magee Women's Research Institute in future issues of The Reporter.

Do Good with Give Back Groups

Mon, 18 Oct 2021 19:18:03 GMT

Here are some examples of how you can use GBU's Give Back Groups program to do good in your local community.

Trivia Time!

Mon, 18 Oct 2021 18:56:50 GMT

GBU Trivia has moved to the GBU Life Member Community.

How to play:

1. Log into the GBU Life Member Community at community.gbu.org.

2. Look for the Trivia Question pinned to the top of the newsfeed.

3. Follow the instructions to submit your answer by November 30 , 2021.

The first 10 players to answer correctly will win a $20 Amazon gift card. One lucky player will be chosen at random to receive a $250 Amazon gift card!

Are you a member yet? Activate your membership today.

Access all GBU discounts and member benefits
Find out about the latest news and projects happening at GBU
Access all GBU contests and games
Work with fellow GBU members to help your local community
Stay updated while on the go with the GBU Life Member Community App

Visit community.gbu.org to request an invitation and activate your account.

We've Come a Long Way In 20 Years

Mon, 18 Oct 2021 18:20:53 GMT

I was honored in 2001 when then GBU National President Hans Rauer and National Secretary-Treasurer Jim Stoker asked me if I would be interested in applying for the National Vice President position at GBU. Twenty years later, I still feel deeply honored to be in that position. For 19 of those 20 years, I was responsible for oversight and development of the Sales, Marketing and Fraternal Departments. After 20+ years as GBU National Vice President, it is that time in my career to formally announce my retirement at the end of this year. GBU has come a long way over those wonderful years.

When I first started at GBU, my first fraternal project was not only to raise money to build a GBU-sponsored house for Habitat for Humanity but also to organize and construct the building of that house—with only volunteers! I am proud to say that our GBU Habitat House is still standing today and looks pretty darn good. A lot of sweat equity went into building that house via many volunteer hours of our GBU employees and members. It remains one of our most challenging, yet rewarding projects to date.

Our 15-year-old Operation Reach Out project has provided our military guys and gals with almost 33,000 care packages. The continued letters of thanks we receive from them will bring a tear to anyone’s eyes.

On the Marketing side, 20 years ago GBU had 250 GBU producers selling our life insurance and annuities. Today we have 1,700 producers all over the country! Those guys and gals have done an incredible job of selling GBU financial products.

Our merger partners have been a GBU fraternal highpoint over these years. The Lutheran Fraternities of America, United Lutheran Society, Hungarian Reformed Federation of America and Sokol USA, as promised at merger time, have continued their fraternal common bonds while GBU administers their life insurance and annuity policies as GBU members.

Last but certainly not least, 20 years ago GBU had $200 million in assets. Today we have over $3.5 billion in assets. Do you know of any other company that has grown that fast in that short of a time? That just goes to show the continued trust people have in GBU!

When my boss and friend, CEO Jim Stoker, passed away in 2017 I was of retirement age, but I couldn’t leave GBU at that critical time in our history. It was important to me to make sure that GBU was in good hands when I did decide to retire. Our Senior Management team pulled together during that interim period and led GBU in continuing our incredible growth while the GBU’s Board of Director’s Search Committee did a national search for a new CEO. It wasn’t until August of 2018 that we were lucky enough to find and hire Mr. Bill Hunt to take over the reins of CEO.

Today, I see a secure and bright future for GBU Life. The Fraternal Department has come up with many new programs and benefits to develop member engagement. The Sales Department has developed a whole new line of life insurance products and even developed a new Multi-Year Guaranteed Annuity. The Marketing and Communications Department is getting GBU’s name out into areas it has never been in before. Our Information Technology Department has updated GBU’s technology to provide us with the information vital to maintaining and developing our society well into the future, while maintaining its security. Our Customer Service and New Business Departments are developing new services to make our business flow quicker and more efficiently and our Finance, Investment and Compliance Departments are developing the most efficient ways to process and invest your GBU funds to always get you the best return on your GBU investment.

I will miss not coming into the office and working with my GBU family. I will also miss not speaking with many of you about your GBU membership. However, I am looking forward to spending some real quality time with my family. Mary Anne, my beautiful wife of 45 years, and I are looking forward to this new “retired” chapter in our lives. Much time will be spent at “Camp Bliss” which is our family sanctuary in northwest Pennsylvania. The grass is always green and the lake is always smooth as glass!

I am confident that there are only GREAT things in the future for both the fraternal and the business aspects of GBU as GBU continues to operate with the theme of “Members come first.” This article is not meant to be a “goodbye” but a “so long” as I will certainly be right alongside you as a GBU member for life!

What's Next for Fraternal?

The Marketing and Fraternal Departments at GBU have been working closely for the past two years to develop new fraternal programs and strategies that will position fraternalism in a fresh, modern light for all members to enjoy. GBU's new Community Development team will encompass all things fraternal while also seeking new ways of reaching out to the communities where our members live and supporting them in their mission to give back. The re-named team will be combined with the Sales and Marketing Departments under Chief Marketing and Distribution Officer Lesley Mann and directly managed by Jennifer Stockdale, the current Marketing and Communications Director.

"My team and I are excited about continuing the process of creating a community for GBU Life members for generations to come, we have an excellent foundation to build on and look forward to the future!" -Jennifer Stockdale

Trick-or-treat Safety

Wed, 13 Oct 2021 15:07:28 GMT

The scariest thing this Halloween should be your costume.

Fall Activities for All

Wed, 13 Oct 2021 14:09:44 GMT

Here is a quick list of family-friendly or adult activities to participate in this autumn.

What is your Fall Style?

Tue, 12 Oct 2021 13:47:06 GMT

Dress up the mantle this season with your own unique look.

Monster Lolipops Halloween Recipe

Mon, 11 Oct 2021 20:26:48 GMT

Supplies

Lolipop sticks
Jolly Ranchers
Candy eyes
Parchment paper
Baking sheet

Directions

Preheat oven to 250 degrees
Cover baking sheet with parchment paper
Set 3 Jolly Ranchers touching so they melt together
Do groups of 3 throughout the baking sheet, giving space between each group
Bake for 8-10 minutes
Add lollipop sticks in candy while still hot by placing in melted candy and turning until covered
Cool

Prepare for Spooky Season with Amazon Smile

Mon, 11 Oct 2021 20:08:29 GMT

The AmazonSmile program gives back a portion of your Amazon purchases to the organization of your choice. In order to donate to the GBU Foundation, go to Amazonsmile.com and select 'GBU Scholarship Foundation, Inc.' as the organization you would like to support.

Chicken and Dumplings

Mon, 11 Oct 2021 19:08:09 GMT

Ingredients

4 skinless, boneless chicken breast halves, chopped
2 tablespoons butter
2, 10.75-ounce cans condensed cream of chicken
soup
1 onion, finely diced
2, 10-ounce packages refrigerated bis cuit dough, cut into pieces

Directions

Place the chicken, butter, soup and onion in the slow cooker. Fill with enough water to cover the ingredients.
Cover and cook for 6 hours on high. Add pieces of biscuit dough into the slow cooker 30 minutes before serving, Ensure dough is thoroughly cooked, then serve.

Time/Yield

Prep: 10 minutes
Cook: 6 hours
Yield: 8 servings

Hot Spiced Lemon Drink

Mon, 11 Oct 2021 18:59:08 GMT

Ingredients

2 1/2 quarts water
2 cups sugar
1 1/2 cups orange juice
1/2 cup plus 2 tablespoons lemon juice
1/4 cup pineapple juice
1 cinnamon stick
1/2 teaspoon whole cloves

Directions

Using a 5-quart slow cooker, combine the water, sugar, orange juice, lemon juice and pineapple juice.
Put the cinnamon sticks and cloves on a double layered cheesecloth. Form a bag with the cheesecloth and tie with string.
Cover and cook on low for 2 to 3 hours. Discard bag.

Time/Yield

Prep: 10 minutes
Cook: 2 to 3 hours
Yield: 3 Quarts

Pumpkin Cobbler

Mon, 11 Oct 2021 18:50:13 GMT

Ingredients

3 eggs
29-ounce can of pumpkin puree 12
ounce evaporated milk
1 cup granulated sugar
1/4 cup brown sugar
2 teaspoon cinnamon
1/2 teaspoon ginger
1/2 teaspoon salt
1 teaspoon vanilla
15.25 ounce butter pecan cake mix
4 tablespoon brown sugar
3/4 cup melted butter

Directions

Slightly beat the eggs. Add pumpkin puree, evaporated milk, sugars, cinnamon, ginger, salt and vanilla. Pour the mixture into a greased slow cooker.
Top with the powdered cake mix and sprinkle with brown sugar. Drizzle melted butter evenly over the top. Cover and cook on low for 3 to 4 hours. Serve.

Total Time

Prep: 10 minutes

Cook: 3 to 4 hours

Yield

3 quarts

In Memoriam: May-July 2021

Tue, 31 Aug 2021 17:55:19 GMT

A tribute to the GBU members we have lost.

How to Use Hashtags

Mon, 30 Aug 2021 15:07:47 GMT

Are you curious about the purpose of hashtags? We've compiled a summary of tips, including how to use hashtags, how they work and why you'd add them to your social media routine.

A hashtag is similar to a mark or tag that helps indicate content related to a particular topic. Visually, hashtags begin with the pound symbol and are followed by a word, saying or phrase.

Hashtags are included in the copy of a social media post; they facilitate engagement and make your post detectable by others. When people look for specific topics or keywords on social media, posts containing those specific hashtags populate within the search. Additionally, when you click on a hashtag, other posts utilizing that hashtag will appear, making it easy to find similar content.

Let's discuss incorporating the #LIAM21 and #GetLifeInsurance hashtags for September's Life Insurance Awareness Month (LIAM). Determine the graphic and content for your post. We'll use the image and copy below as our example. If you need content for your posts, we've created GBU-branded graphics for use on your social platforms, featuring our Select Choice Term insurance ( click here to access ) and Secure Life permanent insurance ( click here to access ). Plus, you can utilize GBU's life insurance support materials .

Sample social post:

Are you wondering how to protect your family in case the 'what if' occurs? Visit www.gbu.org for more information.

#GetLifeInsurance #LIAM21

Things to remember about hashtags:

Less is more. Consider limiting the number of hashtags in your post. Your content will look like spam if you use an excessive amount.
Do not include punctuation, spaces or symbols in your hashtag.
Hashtags in your post are only viewable by your connections unless your profile's setting is public.

Take the 2021 GBU Member Survey

Fri, 30 Jul 2021 13:24:38 GMT

Let us know how we're doing for a chance to win a $250 Amazon gift card!

This annual survey helps us to develop and improve products, service and member benefits to help you to love GBU Life even more. By taking survey, not only will you be a part of our future development, you could also be the lucky winner of a $250 Amazon gift card. We will choose one winner of a $250 Amazon gift card and 9 winners of a $100 Amazon gift card! You have until September 30 to complete the survey.

How to Host a Family Fundraiser

Wed, 28 Jul 2021 20:41:35 GMT

Looking to raise some money this summer? Let’s make it a family affair! Here are some ways you can get the whole family involved for a day or weekend of raising money. Whether it’s to help a family in need, or to have a little extra cash flow for your big vacation coming up, a family fundraiser may be the way to go!

Districts in Action Featured Project

Wed, 28 Jul 2021 20:20:17 GMT

GBU District 45–Altoona, Pennsylvania, selected the Altoona Mountain Lion Backpack Program as its Districts in Action project for this year. The officers felt that there is a great need in the Altoona area to provide food to needy children. These are families that depend on the free and reduced-price food program to feed their children when the children are in school. The children often don’t have enough food on weekends.

The Program feeds an average 1,000 Altoona Area Elementary School children every week and is part of the national Feeding America network BackPack Program.

Funding received is used to purchase food that will be placed in the backpacks. The average cost is $3 a backpack, which is about $100 for 1 student per year. $2,500 will purchase food for 25 children for 1 school year or 32 weekends.

The Mountain Lion BackPack Program is a 501(c)(3) non-profit program through the Blair County Community Action. The mission of the Mountain Lion BackPack Program is to provide elementary children in the Altoona Area School District with food for the weekends when other resources may not be available to them.

On April 30, 2021, District 54 Treasurer Betty Richardson presented Altoona Mountain Lion Backpack Program Director, Amber Smith, the member's donation checks as well as the matching funds donation check from GBU. The presentation was at the warehouse where the food is stored and packed.

The Altoona Mountain Lion Backpack Program website is www.mountainlionbackpackprogram.org.

Back to School: How to Stay Focused

Wed, 28 Jul 2021 19:59:03 GMT

Sometimes staying focused during class, study time and practice can be tough. Here are some tips to help you stay focused even when your friends (or a nap) are waiting.

Stay healthy.

Good nutrition and health is the first key to staying focused and alert. If you are tired or hungry, it is nearly impossible to focus. Make sure you eat breakfast and lunch, and bring healthy, portable snacks for in between if you need them. Eating a diet high in protein (like chicken or turkey), complex carbohydrates (like sweet potatoes and whole grains) and natural sugar (from fruit) will give you the most energy, while healthy fats (like those from nuts) will give you longer focus and more brain power.

Be sure to take time for physical activity, too. If you can get up early enough, take a walk or run, bounce on your trampoline or stretch with some yoga before school and make some time for exercise when you come home as well.

Don’t neglect your sleep. If you are between 12- and 18-years old, you need 8-10 hours of sleep each night. While it may seem crazy to go to bed at 8 PM, you will find that you are more focused and energetic for both studying and fun throughout the day.

Be kind to your future self.

One reason for losing focus during the day is thinking about things you need to remember or worrying about things you forgot to do. Be nice to your future self by not procrastinating. Complete tasks and chores as early as you can. Take time in the evening to prepare for the next day. Make sure your homework is in your backpack, your notes are organized and your snacks are packed. Start on your long-term assignments early so you don’t feel rushed to complete them. Keeping a to-do list handy can also save the brain power needed to try to remember the things you need to do.

Set goals and rewards.

Set realistic goals for yourself for homework, studying and practicing. Make sure you leave time to rest or do things that you enjoy. This will keep you from feeling overwhelmed. Estimate how long you want to spend on each task. When your tasks are done, reward yourself with something you love such as a favorite snack, watching a show or hanging out with friends. If you have difficulty keeping yourself accountable for getting your work done, ask a parent or a friend to help remind you when you are not sticking to your schedule.

Make time to think about other things.

Sometimes distracting thoughts can keep you from fully focusing at school or practice. What outfit you are going to wear on the weekend, what that thing your friend said really meant or why your mom won’t stop bothering you to clean your room are all very important things to ponder, but they can keep you from hearing the answers to next week’s chemistry test. Make some time to think about and resolve the thoughts that are distracting you. Keeping a notebook to write down the things you need to think about can be helpful. Time at the beginning of class before the teacher starts talking, time during lunch or time while you are running laps in gym class are all great times to ponder these questions.

Back to School Survival Guide: Making Friends

Wed, 28 Jul 2021 19:50:38 GMT

Share your interests.

When having conversations with new people, a great way to identify a potential friend is to identify those who have similar interests. In order to do that, you should always feel comfortable sharing your favorite things to do with others. Whether it’s bike riding, hockey, a video game or something else, you’ll be surprised how many people out there like the same things.

Introduce yourself to a new person every day.

The key to making as many friends as possible is to talk to as many people as possible. Seek out a person that you’ve never met and introduce yourself to them.

Learn what interests others.

Ask others what kinds of things they like to do. Not only will you be able to find common ground more easily by learning what other people like, you may just pick up a new hobby this way too!

Join a school club or a team.

Joining a group is a great way to make friends because it puts you in a position where you spend a lot of time with your teammates. Learning to rely on your teammates can forge strong bonds and celebrations of shared successes.

Above all: be yourself.

The most authentic way to meet new friends is to just be yourself and not put too much pressure on yourself to act a certain way. It’s okay to laugh at yourself and be silly. People will feel more comfortable being around you if they feel like you don’t take things too seriously.

Back to School: How to Stay Organized

Wed, 28 Jul 2021 18:32:55 GMT

Here are some great ways to stay organized this Fall.

Trend Forecast for Middle Schoolers

Wed, 28 Jul 2021 18:13:17 GMT

As kids prepare for in-person learning this August, many of them can’t help but wonder: what am I going to wear? Attending class virtually in their pajamas was a nice break for kids (and their parents' wallets). But let’s face it, kids are ready to head back into the classroom looking like they never missed a beat. Here are three fashion trends popping up at popular retailers like Target, Old Navy and Kohl’s.

Tie-Dye

Everywhere you turn it’s tie-dye as far as the eye can see. From hoodies to shoes, kids can complement any outfit with this colorful, playful pattern.

90s Throwbacks

Many 30- and 40-year-old parents will be singing Everything old is new again. Especially when they see 90s pop-culture references on everything from t-shirts to backpacks.

Stripes

Although never out of style, there is an abundance of striped clothing showing up in stores and online. From brightly colored dresses to cool-toned t-shirts, there is something for everyone.

Design the Study Space of Your Dreams

Wed, 28 Jul 2021 14:56:52 GMT

As a middle school student, studying for tests and quizzes will take up quite a bit of time and is crucial to your success in school. No pressure, right? Well, we have a few tips that can make the space you study in one of your favorite places to be and help you focus on your schoolwork.

Pick your space

First on the list is to pick your study space. This could be a corner of your bedroom, your family’s living room or just a place in your home that you can get comfortable in. Don’t forget to choose an area that is free of distraction. This could be noise from other family members, pets or electronics that can easily distract you.

Make it yours

Once you’ve chosen your space, it’s time to make it your own! This is your chance to add your favorite things, whether that be posters, string lights, pictures, drawings or anything that makes you smile. These items are going to set the tone of the study space and make it one of a kind. Remember, the touches you add to this area will make it uniquely yours, so choose wisely. Grab a comfy chair or cushion to make your space inviting.

Stock Your Space

When you’re "in the zone" while studying, there’s nothing worse than your pencil breaking, your pen running out of ink or your Post-Its going missing. It’s best to stock your study space with all of the tools to make your time efficient. Don’t forget to grab a variety of different color highlighters to color code your notes!

Go-To Tips for Hosting a Small Summer Party

Wed, 28 Jul 2021 13:26:34 GMT

Hosting a small, summer gathering doesn't have to be stressful! Follow these tips for your next party so you can kick back and relax with your guests.

Summer Fun: Enter the 2021 Photo Contest!

Tue, 27 Jul 2021 20:06:41 GMT

Send us your favorite photo that depicts the photo contest theme, SUMMER FUN! Your picture entry may be anything from a barbeque, kite flying, outdoor concert, amusement park, ice cream, waterslide, road trip, camping, baseball game, miniature golf, boating and on and on! You get the “picture"! We so look forward to receiving an entry from you!

Rules

1. Contest is for GBU members/policyholders of all ages.

2. Black-and-white or color prints or photo files are acceptable. Do not mount photos.

3. Photos must be submitted as taken. (This means no touch ups or cutting/cropping off parts of the picture.) Photos can be enlarged to any size not exceeding 5" X 7".

4. Do not write on processed print photo’s front or back (you can ruin your photo this way). Attach a note with member name and address on the back of the photo(s).

5. A maximum of two photographs may be submitted per insured member/policyholder. No entrant can qualify for more than one award per contest.

6. The contest runs through Monday, October 25, 2021.

High-resolution digital photo(s) (those coming directly from your camera, not downsized) can be emailed to contest@gbu.org. Please put in the subject line 2021 Photo Contest Entry. Include the member's full name and address in the body of the email.

Prizes

First Prize: $200

Second Prize: $100

Third Prize: $75

Fourth Prize: $50

Fifth Prize (3) $25

General Information

How Do I Enter?

Processed print photo(s): Attach the member's name and address to the back of the processed photo then mail to GBU Fraternal Department

PO Box 18739

Pittsburgh, PA 15236

Five Outdoor Date-Night Ideas

Tue, 27 Jul 2021 19:53:12 GMT

Laying poolside, soaking up the rays, going on a family vacation and enjoying some much-needed relaxation and warm weather means that summer is officially upon us. Of course, there are probably a million ideas that you are dying to check off your bucket list over these next three months, either with your significant other, friends or family. Here are five fun, outdoor date-night ideas that you and your significant other can do this summer!

1. Outdoor movie night

Having an outdoor movie night with your significant other is a fun and easy way to do something different with minimal effort. To have a successful, magical movie night under the stars, you are going to want to get a plain white sheet, wire, clothespins, string lights, a projector and lots of pillows and blankets. First, hang the wire up by tying it in between two trees. Then, place the sheet over the wire, and secure it with clothespins so that the sheet does not blow away. Next, set the projector up. Hanging string lights is optional, but it adds to the overall vibe and makes it feel cozier. Lastly, get plenty of blankets and pillows, and of course, snacks. Now you are ready to enjoy the perfect movie night under the stars.

2. Sunset picnic

No matter where you live, you will always be able to find a romantic spot to have a picnic and enjoy the beautiful sunset. Grab your partner and head to the beach, the park or any hidden gems that you know of. Pack a picnic basket with your favorite meal and both of your favorite snacks! Candles, blankets and pillows are a good idea to make it more romantic.

3. Wine tasting

Wine tasting is the perfect, fun, summer date-night idea for you and your significant other. Go on a weekend getaway to a vineyard or take a day trip to a winery near you. Make sure to go on a tour of the winery and taste the wine and the variety of different cheeses which they offer. Enjoy a day of luxury and relaxation with your partner on this great date-night idea.

4. Cooking class

A cooking class is the perfect, laid-back date-night idea. Search online for places near you that provide cooking classes. Depending on where you go, the classes should be relatively cheap. Spend the whole day learning how to cook a new meal with your partner, then on your next date night you can make this new dish together!

5. Bike ride

If you are on a budget, then this is the perfect date idea for you. Bring your own bikes or rent some if you do not own bikes. Go to a trail, the beach, the city or just around your neighborhood or local park. There are so many changes in scenery too. After your bike ride, grab some lunch or dinner to top off the perfect day.

Wedding Guest: Do's and Don'ts

Tue, 27 Jul 2021 19:37:13 GMT

This past year was a slow year for weddings and social gatherings...to say the least. After an entire year of minimal social interaction, here is a reminder of what you should definitely do, and what you should try to avoid as a wedding guest this summer.

Do...

RSVP before the deadline.

We understand that you might have a lot going on this summer. After an entire year of limited-to-no social gatherings, we are really making up for it. As soon as you know that you don't have a date conflict, get that RSVP back in the mail!

Show up early with time to spare.

This doesn't mean showing up an entire hour before the ceremony starts. You should plan to arrive at least 20 minutes prior to the start of the event to give yourself enough time to find your seat and get settled in. No one likes the interruption of guests funneling in late...especially not the bride and groom.

Take your wedding favor.

If the bride and groom provide a wedding favor to you as a guest, take it! A lot of time, effort and money go into wedding favors. Whether you like it or hate it, make sure you take it with you when you leave.

Sign the guest book.

Trying to think of something meaningful or witty to say on the guest book can be a lot of unnecessary pressure. Guests often skip signing for that reason. Make sure you take time to sign the book, even if you just sign your name.

Don't...

Assume you can bring a plus one.

Unless your wedding invitation states "and guest," do not just assume you can bring a date.

Ignore the dress code.

Unless the wedding invitations state something different, pick an outfit that would be considered business casual. Ladies, if you are attending an outdoor wedding, wear flats instead of heels. And whatever you do, don't wear white or a shade that is close to white unless you want to hear faint whispers and see pointing from those around you.

Complain...about anything.

No wedding day is perfect, unless it is your own. You may encounter some things that are less than ideal. Perhaps you have to sit through a ceremony in a church without air conditioning or get a salty appetizer. Keep your complaints to yourself...at least until you get home!

Over drink.

Open bars can make for a pretty enjoyable evening. They are great places to try cocktails you've never had before. Not only are they on the house, you have the entire evening to sample. If you are planning on partaking, make sure you have a full meal or some appetizers beforehand. Another great rule of thumb is to treat yourself to a glass of water between each cocktail or glass of wine.

Five Summer Bucket List Items

Tue, 27 Jul 2021 19:24:35 GMT

With summer finally here, it is a great time to focus on things you have been meaning to do but maybe have not had the time or the ability to so. After a little over a year of being indoors, it’s time to enjoy the sunshine and cross some items off your summer bucket list. Need some ideas to get started? Check out these five summer action items.

1. Visit

Whether you are eager to see your grandparents or a college roommate, book an international destination or take in some sights a few states away, make sure you work in a travel arrangement or two this summer. While many of us kept in touch virtually, there is nothing like seeing family and friends in person. Use a travel site like Kayak.com to find the best rates and compare deals on flights, travel packages and more. Before you visit, check the CDC’s website for the most up-to-date information on travel guidelines.

2. Create

Have you wanted to refinish that old dresser in your bedroom? Or is your Pinterest board overflowing with potential projects? If this sounds like you, it’s time to grab a paintbrush and get creative! You can have a DIY summer when you create unique bird feeders, works of art or renew existing items in your house. Go green and upcycle, or use recycled items for your next creative project. Prepare to be blown away by the possibilities when you enter “upcycled furniture ideas” into your favorite search engine.

3. Volunteer

Many non-profit organizations are starting to re-open their doors and accept in-person volunteers at their facility. The pandemic has been tough on businesses and agencies across the board, but charitable organizations have taken a big hit. Do some good in your community and contribute to a cause you love when you volunteer this summer. If you’re unsure where to start, visit volunteer.charitynavigator.org/ and enter your zip code to find opportunities in your area. Sign up for a virtual or in-person event near you.

4. Learn

It’s never too late to learn something new. Learning exercises your brain and is very exciting! It can help reduce cognitive decline in older adults, combat depression and encourage well-being in other areas of your life. Take this summer as your opportunity to learn something you’ve always wanted to. Take those guitar lessons, sign up for a LinkedIn Learning course or learn how to tie a bow tie. Set a goal for yourself and enjoy that rewarding feeling when it’s all said and done.

5. Play

The stress of this past year still weighs on all of us. Many of us had to balance work and home life simultaneously or, we were disconnected from loved ones for what seemed like an eternity. If anything, the past year has taught us that it’s important to live in the moment. So, embrace that kid-at-heart mentality and PLAY. Ask your grandchildren to come over and teach you the latest Tik Tok dance. Or, when you visit that college roommate, indulge in a silly game of charades. Relieve some tension and interact with loved ones in a fun way when you make it a point to play this summer.

Love the ideas listed here? Check out the back of this page and keep track of your progress with GBU's Summer Bucket Checklist.

Aging Well: Music is Everywhere

Tue, 27 Jul 2021 19:19:18 GMT

Music is everywhere. All of us can engage in listening to music almost anywhere at any time. Fundamentally, music is a combination of sounds, and sound is vibration. Music is made of vibrations of different frequencies as heard in the sounds of the ocean waves careening to shore and birds chirping. Even the rain hitting the roof top can be thought of a gentle melody that helps one relax and fall to sleep.

Music is rhythmic not only to our ears but to our hearts and souls. Hearing a song from 40 or 50 years ago can bring an instant emotional response of nostalgia, catapulting past experiences into the present.

Music is powerful. It can make us want to move and sing in a way we would not in its absence. Moving and being creative can help people to extend themselves. It helps us to be spontaneous, more conversational and jovial.

Music is also healing. In times of loss and great sadness we often turn to songs and sounds that mirror our feelings, and we listen to them repeatedly until the bleeding has stopped. Music is medicine. It helps patients recover after surgery and can underscore a positive attitude during treatments and therapies. Music is successfully used to reduce certain symptoms of depression.

Music covers our lifespan and journals our years better than anything else. It is a constant companion even when we are isolated. It is confetti, a strong hug and a deep cry. It is what we are when we need it most.

Cathy Graham is the director of Graceful Aging Wellness Center, part of Bethlen Communities in Ligonier, Pennsylvania, and a District 3000–HRFA member. cgraham@bethlen.com

Taco-Stuffed Avocados

Tue, 27 Jul 2021 19:13:51 GMT

YIELD

4 to 8 servings

PREP TIME

10 minutes

TOTAL TIME

25 minutes

Ingredients

4 ripe avocados
Juice of 1 lime
1 tablespoon extra-virgin olive oil 1 medium onion, chopped
1 pound ground beef
1 packet taco seasoning
2/3 cup water
Kosher salt
Freshly ground black pepper
2/3 cup shredded Mexican cheese 1/2 cup shredded lettuce
1/2 cup quartered grape tomatoes Sour cream

Directions

Step 1: Halve and pit the avocados. Scoop out a small amount of avocado to create a larger space for the meat. Dice removed avocado and set aside. Squeeze lime juice over all avocados to prevent turning brown.

Step 2: Heat oil in a medium skillet over medium heat. Add onion and cook 5 minutes. Add ground beef, separating the meat with a wooden spoon. Cook until the beef is no longer pink, around 6 minutes. Remove from heat and drain fat. Stir in 2/3 cup water and taco seasoning. Once boiling, reduce heat and simmer uncovered for 3 to 4 minutes, stirring often until thickened. Season with salt and pepper.

Step 3: Fill each avocado half with beef. Top with remaining diced avocado, cheese, lettuce, tomato and a dollop sour cream.

Turkey Club Cups

Tue, 27 Jul 2021 18:50:54 GMT

YIELD

12 servings

PREP TIME

10 minutes

TOTAL TIME

20 minutes

Ingredients

12 slices roasted deli turkey
12 slices sharp cheddar
1/4 cup mayonnaise
2 tablespoon Dijon mustard
1/2 head iceberg lettuce, shredded 1 pint cherry tomatoes, chopped
1 avocado, chopped
8 slices bacon, cooked and chopped

Directions

Step 1: Preheat oven to 400°. Lightly grease muffin tin with cooking spray.

Step 2: Place 1 slice of turkey into each muffin cup. Place 1 slice of cheddar on each slice of turkey. Bake about 10 minutes, when cheese is melted. Let cool slightly.

Step 3: Mix together mayo and Dijon in a small bowl. Add a dollop to the bottom of each turkey cup, spread. Add lettuce, cherry tomatoes, avocado, and bacon to each cup.

Lemon Chicken Wraps

Tue, 27 Jul 2021 18:31:54 GMT

Yield

4 servings

Prep Time

5 minutes

Total Time

50 minutes

Ingredients

1/4 cup plus 2 tablespoon extra-virgin olive oil, divided
Juice of 3 lemons, divided
2 cloves garlic, minced
1 teaspoon Italian seasoning Kosher salt
Freshly ground black pepper
1 pound boneless, skinless chicken breasts
1/2 cup plain Greek yogurt
Hot sauce, to taste
1/2 teaspoon paprika
Pita bread
Butterhead lettuce
Sliced tomatoes

DIRECTIONS

Step 1: Make marinade: Whisk together 1/4 cup oil, juice of 2 lemons, garlic, Italian seasoning, salt and pepper. Using a large Ziploc bag, add chicken breasts and marinade, toss to coat. Let chicken marinate for a minimum of 30 minutes and up to 4 hours.

Step 2: Heat remaining 2 tablespoons oil in a large skillet over medium-high heat. Add marinated chicken breasts and thoroughly cook, about 8 minutes per side. Remove from pan, let rest and slice.

Step 3: Make spicy yogurt sauce: Mix together yogurt, juice from remaining lemon and hot sauce. Season with paprika and salt.

Step 4: Assemble wraps: Using a piece of pita bread, add lettuce, tomato and chicken slices, drizzle with spicy yogurt sauce. Wrap in a piece of parchment paper, serve.

Egg Roll Bowls

Tue, 27 Jul 2021 18:20:54 GMT

Yield

4 servings

Prep Time

10 minutes

Total Time

35 minutes

Ingredients

1 tablespoon vegetable oil
1 clove garlic, minced
1 tablespoon minced fresh ginger 1 pound ground pork
1 tablespoon sesame oil
1/2 onion, thinly sliced
1 cup shredded carrots
1/4 green cabbage, thinly sliced
1/4 cup soy sauce
1 tablespoon sriracha
Kosher salt
1 green onion, thinly sliced
1 tablespoon toasted sesame seeds

Directions

Step 1: Heat vegetable oil in a large skillet over medium heat. Add garlic and ginger and cook for 1 minute. Add pork, stirring occasionally until meat is thoroughly cooked, 8 to 10 minutes. Break meat into small pieces with spoon or spatula.

Step 2: Move pork to the side and add sesame oil. Add onion, carrots and cabbage. Combine with meat, adding soy sauce and sriracha. Cook until cabbage is tender, 5 to 8 minutes. Season with salt.

Step 3: Place on a serving dish, garnishing with green onions and sesame seeds. Serve.

Stay Organized this School Year with AmazonSmile

Tue, 27 Jul 2021 17:43:03 GMT

The AmazonSmile program gives back a portion of your Amazon purchases to the organization of your choice. In order to donate to the GBU Foundation, go to Amazonsmile.com and select 'GBU Scholarship Foundation, Inc.' as the organization you would like to support.

Maximize Your School Fundraiser Through GBU's Give Back Groups Program

Tue, 27 Jul 2021 17:13:35 GMT

You may have heard about GBU's new member program: Give Back Groups. If you are a GBU member trying to raise funds for a cause that is important to you, GBU will match what you raise, up to $1,000. Here's how you can maximize your school fundraiser by incorporating GBU's Give Back Groups program.

To learn more about Give Back Groups or to find out if your fundraising organization would qualify for the program, submit an application at gbucares.org/give-back-groups or email memberbenefits@gbu.org.

Keeping Energy Costs Low when Summer is at it's Peak

Tue, 27 Jul 2021 15:16:55 GMT

Here are some ways you can keep the utilities costs low this summer.

Trivia Time

Tue, 27 Jul 2021 12:56:28 GMT

GBU Trivia has moved to the GBU Life Member Community!

How to Play:

1.Log into the GBU Life Member Community at community.gbu.org

2. Look for the Trivia Question pinned to the top of the newsfeed.

3. Follow the instructions to submit your answer by August 31, 2021

The first 10 players to answer correctly will win a $20 Amazon gift card. One lucky player will be chosen at random to receive a $250 Amazon gift card!

Reliable Growth for Your Future

Mon, 26 Jul 2021 18:35:15 GMT

GBU Life's new Asset Guard Annuity allows for predictable short-term growth of your funds.

In order to reach your financial goals, planned and predictable growth of your funds is important. GBU's new Asset Guard Annuity is a Multi-Year Guaranteed Annuity (MYGA) offering a guaranteed rate over a shorter term. This allows you to plan for guaranteed, fixed growth of your money. The Asset Guard series is ideal for securing growth of your savings when you are close to retirement or for stable growth of your long-term savings. Here are a few questions you may have for determining if this new annuity series is right for you.

How is my rate determined?

Your rate will be the rate that is in effect when you open your annuity policy. That rate will be locked-in for the entire term of your annuity and will not increase or decrease.

What is the minimum annuity that I can purchase?

You can start an Asset Guard Annuity with a minimum of $25,000 and a maximum of $2 million.

Can I add additional funds to the Asset Guard?

No, the Asset Guard only allows for a one-time deposit. You can, however, start a new Asset Guard Annuity with your additional funds.

What guarantee periods are available for the Asset Guard?

Terms of 2, 3, 4 or 5 years are available.

Can I renew when the guarantee period is over?

At the end of each guarantee period, you have 45 days to renew your annuity for another period of 2, 3, 4 or 5 years ending at your 95th birthday. The new rate for the guarantee period you select will be based on the then-current interest rate on your renewal date and may be different than your original guaranteed rate. If you do not make a choice within the 45-day window, your policy automatically renews at the then-current interest rate using the same guarantee period you previously selected. You can also withdraw funds or surrender your annuity during that 45-day window without paying surrender charges or a Market Value Adjustment (MVA).

Is there a death benefit?

Unless an annuity payment option has been selected, upon the death of the annuitant, the beneficiary to the contract will receive the contract value free of any withdrawal charges or MVA.

What if I need to make a withdrawal?

You can make a withdrawal of up to 10% of the account value each year, including the first year, without penalty. If no withdrawal is taken in a year, you may take out a max of 20% in one year not to exceed a total of 20%, 30%, 40% or 50% of the contract value for the duration years respectively. For qualified money, Required Minimum Distributions (RMDs) are permitted, even in excess of the 10%. During the 45-day renewal window, the entire contract value is available for free withdrawal.

What if I need to withdraw more than 10%?

An MVA may be charged and surrender charges apply for withdrawals over the free withdrawal amount. Surrender charges are determined based on the contract year.

How can I find out more?

To find out more about the Asset Guard Annuity, contact your GBU agent, or request an appointment at gbu.org.

What a Great Career at GBU Looks Like

Mon, 26 Jul 2021 18:06:18 GMT

After more than 40 years with GBU, Sales Support Specialist Jerilyn McCollum is ready to retire. In her time with GBU, Jerilyn has gained extensive knowledge to pass on to future GBU employees, so she will continue consulting and mentoring new sales employees on a part-time basis. We asked Jerilyn a few questions about her career at GBU so that we can share with all of you what a great career at GBU looks like.

What first brought you to GBU?

My high school friend’s dad was the National Sales Manager at GBU. She contacted another friend to ask if she wanted an interview with GBU; that friend had just accepted a job with another company. I told my friend I would be interested in an interview and was hired!

What has changed the most since you started working here?

As you can imagine, in a span of 42 years much has changed over the years. GBU has grown in so many ways; from the executive structure, product portfolio, agent growth, expanding fraternal programs, financial strength, employee additions and on and on.

What is your best memory from your time at GBU?

It’s very hard to pinpoint a specific memory; but, when I remember GBU I will first remember all of the wonderful friends and relationships I have had over the years. I honestly could not have hand-picked better co-workers and executive staff than those that I was fortunate enough to work with over the years.

What advice would you give to new employees just starting out here?

GBU is on the upward move, be dedicated to your job, learn all you can from the “seasoned” staff and don’t ever hesitate to voice your opinions and ideas.

What do you think GBU will be like 40 years in the future?

I truly believe that the solid foundation built by past management, coupled with the vision of our current management, will take GBU to new heights over future years.

What was your favorite movie when you started at GBU and what is your favorite movie now?

Sound of Music, then and now!

You have the floor. Is there anything else that you would like to say about your fantastic career?

I have been very fortunate to have worked with so many wonderful GBU members and producers over the past 42 years. You will always have my heartfelt gratitude for the support and friendship that you have given to me in all the ups and downs a lifetime can bring. Wishing everyone health and happiness always.

Three Ways to Save on Back-To-School Shopping

Mon, 26 Jul 2021 17:44:53 GMT

Looking for ways to cut the costs on back-to-school supplies and clothing? We've found three simple tips to save on all your needs. And remember, back-to-school savings aren't just for the kids. Keep your eyes open for items needed to stock your home office and the teacher's classroom.

Buy in Bulk

Do you have a membership for a big-box retail store like Costco, Sam's Club or BJ's Wholesale? Consider buying pens, notebooks and markers in bulk at these membership retailers. You could split the cost of the items with another school-aged family. Venmo and PayPal make it easy for you to send and receive payments among family and friends.

Tip: Remember that these retailers also carry electronics, clothing and even shoes!

Use a Money-Saving Browser Extension

Have you heard of Honey, RetailMeNot Deal Finder or Amazon Assistant? These are easy-to-download, money-saving browser extensions that automatically find and apply coupons, discounts and promo codes to your online order. The discounts populate before checkout, providing you with the final price.

Consignment Sales

Keep your eyes open for local consignment sales and second-hand shops. You can find discounts of up to 60% off clothing. Start purchasing at the beginning of summer; buying small amounts each month is easier on the wallet and keeps you within your monthly budget.

Bridge Builders Member Mentoring Program

183:849361569 (Jennifer Stockdale) — Mon, 26 Jul 2021 17:37:21 GMT

GBU's mission is about securing futures for our members while giving back. That's why we have created the new Bridge Builders Member Mentoring Program . This program connects our members who are starting out or starting over with GBU members who have expert-level experience in their fields. We are all stronger when we work together. Bridge Builders allows you as a GBU member to give back and help build futures in your own GBU community!

How it Works

Be A Mentor

Visit the "Bridge Builders" tab in the GBU Life Member Community. Sign up to become a mentor by listing your areas of expertise. You can set start and end dates for being a mentor, as well as choose how many fellow members you wish to advise. The Member Community will match you with members looking for advice in your areas of expertise. You can communicate through the Member Community to decide how often you will meet and if it will be via phone call, online or in-person. You can pause your mentor status at any time.

Find a Mentor

Visit the "Bridge Builders" tab in the GBU Life Member Community. You can search for a mentor to partner with based on location or areas of expertise. Once a mentor has accepted your request, you can communicate through the Member Community to decide how often you will meet and if it will be via phone call, online or in person. You can change mentors or cancel your activity in the program at any time.

Guidelines

You must be 18 years of age or older to participate in the program.
You must agree to abide by GBU Life's Program Code of Conduct.
GBU will send periodic surveys via email to gauge program participation and results.

Not a member of the GBU Life Member Community yet? Activate your membership at community.gbu.org by clicking on "Request Invitation."

Evolving Technology... Enabling Business Operations

Mon, 26 Jul 2021 17:23:07 GMT

By Debbie Morgan, AIRC, Vice President of Operations

Happy summer! GBU’s operations have seen many changes since my last article in The Reporter. Let me update you on what’s happening. As we all know, the pandemic turned our workplace world upside down, requiring GBU to drastically change the way its operations are run. This transformation resulted in solidifying our technology platform and thereby promoting a secure, remote-work functionality for our employees. Enabling remote work has also expanded our access to individuals with targeted skill sets that may not be available in the Pittsburgh area.

GBU's incoming mail is all automatically digitized and uploaded into our new workflow system. Continuing to increase enhancing efficiencies on all GBU automated workflows is planned through the end of next year. As a side note, GBU’s initial project efforts were recognized by our workflow vendor, placing us as global semi-finalists in the Changemakers category.

Easier Application Processing

One of our most significant projects is the implementation of an electronic application to policy delivery process. This process will equip GBU producers with a best-in-class system to submit new business to GBU. This industry-standard system is an easier and more efficient way to process new applications that will be a welcomed addition to our GBU producer’s toolbox and the new system will equate to an easier and a more convenient process for our new, prospective members. Implementing this system will also completely transform how the New Business/Underwriting Department processes applications, increasing efficiencies by automating many manual functions. We anticipate announcing the rollout of this new system before the end of the year.

Internal Improvements

Many other projects are improving things behind the scenes. For example, we have created an automated premium-payment process, automatically applying premiums into our systems from bank-generated data information. You may have noticed the changes on your premium notice and return envelope, which now addresses your premium to our automated lockbox mail-processing location. These changes help support you and streamline how you interact with GBU.

Service

We are continuously focusing on how to improve our level of service to our members and producer. Forms and brochures have become more accessible in both print and digital formats, creating a more seamless process for members and producers throughout all areas of GBU. We recently upgraded our phone system to enable analytics that helps us better understand call trends in each of our support areas. This information provides us with data so that we can focus and improve our level of service. We are also working on automating processes in Customer Service as well as New Business/Underwriting, enabled by our new workflow system. It is an exciting transformative time at GBU.

Security

Cyber security is an extensive, critical and ongoing function of the IT Department. Protecting your information is GBU's top priority as we move through this transformation of processes. We continually monitor the health of GBU’s systems and data security, adjusting procedures and protocols as the industry’s best practices dictate.

Member Feedback

Within this issue of The Reporter, you will find our annual member survey. This survey helps us get your feedback on our level of service and helps our Customer Service, Sales, and Fraternal departments determine future focus areas. It would be appreciated if you could take a few moments to provide us your thoughts on how we support you. We’ve made it as easy as possible for you to either fill out and return the paper version included here or simply complete the online version of the survey available on our website at gbu.org. Not only will your comments help guide our service enhancements at GBU, but you could also be the lucky winner of one of ten $100 Amazon gift cards that will be given away.

As we continue to evolve and transform our operations, we will continue to strive to work with you, our members, in whatever method is easiest for you. Whether you prefer the personal touch of a phone call, or the convenience of accessing online available help, we are here to help and serve you in the way you prefer.

Live a Little, Give a Little

Thu, 15 Jul 2021 14:03:02 GMT

There is certainly something to be said about the simple act of giving. Most would probably agree that in many cases, it ends up being as positive of an experience for the giver as for the receiver. In a society where we have more things than we know what to do with, donating to those in need just makes sense.

While most of us are prone to throwing our clothing donations in a bag and dropping off at the local Goodwill or Salvation Army, there are many more nonprofit organizations across the U.S. that are just as deserving of your support. Learn more about these organizations and consider donating a little differently this year.

Three Fun Patriotic Dishes for your Backyard Barbeque

Fri, 02 Jul 2021 13:17:32 GMT

Hot dogs and hamburgers are a must-have at your Fourth of July cookout but if you are looking to spice up the menu, then here are three fun and easy patriotic dishes that everyone will fall in love with!

American Flag Fruit Tray

What is more patriotic than the American Flag? This cute and simple appetizer is guaranteed to be a hit at your Fourth of July backyard barbeque!

Ingredients

Strawberries
Blueberries
White Chocolate-covered pretzels

Find a big dish in your kitchen to assemble the flag.
Wash your fruit and cut your strawberries in half.
Place the strawberries in lines to resemble the flag.
Put your blueberries in a bowl and place that bowl in the top left corner of your dish to act as the stars on the flag.
Finally, lay the white chocolate-covered pretzels down in lines.

Now you have an American Flag that is both pretty to look and delicious!

Patriotic S’mores Chex Mix

If you have a sweet tooth, then this treat is for you! This fun and festive treat are super easy to make.

Ingredients

White chocolate chips
Chex Mix cereal
Powdered sugar
M&M's (red, white and blue)
Mini pretzel sticks
Mini marshmallows
Chocolate chunks

Melt the white chocolate chips in the microwave.
Pour Chex Mix into large bowl.
Dump white chocolate mixture overtop Chex Mix.
Mix that well and allow it to completely cool.
Add the powdered sugar in a zip-lock bag along with the Chex mix and shake well.
Add in remaining ingredients.
Toss well and enjoy!

Firecracker Hot Dogs

These firecracker hot dogs are a guaranteed must-have at your Fourth of July party! They are so adorable too.

Ingredients

Refrigerated breadstick dough
Hot dogs
Colby cheese (cut into thick slices)
Wooden skewers

Take the skewer and stick them through the hotdog leaving about an inch and a half exposed at the top of each dog.
Take the breadstick dough and wrap it around the hotdog.
Place the hotdogs in the oven at 350 degrees for about 20 minutes.
Use a star-shaped cookie cutter to make the star shape with the cheese.
Stick the star through the skewer at the top and enjoy!

Stumped By The Math Puzzle In This Issue?

Mon, 21 Jun 2021 14:37:22 GMT

Here's why!

The second math puzzle on page 42 of the May/June Reporter contained an error, making the puzzle impossible to solve. The correct puzzle is shown above. The answer key as displayed in the Reporter is correct. Thank you all for your passion and commitment to fun match puzzles and for trying so hard to solve the impossible!

Volunteers in Action

Wed, 02 Jun 2021 17:39:53 GMT

Lynn Langel

Oregon, Ohio

Lynn is a volunteer for Helping Hands of St. Louis. Helping Hands provides meals, food pantry staples, snack packs to homeless and many more services to the less fortunate.

Rita Demeter

Charleroi, Pennsylvania

Rita is a volunteer at St. Andrew Apostle Church where she and others have made over 1,000 Dignity Robes for breast cancer patients.

To hear about more volunteer projects, join the Members in Action group on the GBU Life Member Community. Join today at community.gbu.org .

GBU Life Producers: Making a Community Difference

Wed, 02 Jun 2021 17:27:06 GMT

Last November GBU introduced a new six-week sales contest called Securing Futures, Giving Back. This contest combined the award of a cash prize along with the opportunity to donate to a charity of the producer's choice.

GBU producer Jeff Loftus won the contest which rewarded him with a $400 donation that could be made to the non-profit organization of his choice. Jeff chose the Historic Marbold Farmstead Association. We are proud to share the organization's letter of thanks below. Thank you to Jeff and his commitment to GBU and his community!

GBU Members Team Up with the Johnstown Area Heritage Association

Tue, 01 Jun 2021 20:24:59 GMT

GBU members in Johnstown, Pennsylvania, recently took advantage of the GBU Members in Action program by raising funds for an organization that means a whole lot to their local community: the Johnstown Area Heritage Association (JAHA). The Johnstown Area Heritage Association is a non-profit, member-based organization that preserves and presents Johnstown's nationally significant stories to the nation.

Member Thomas Leslie recently coordinated with a group of four other GBU members—Barb Fortunato, Donald E. Costlow, Abigail Fisher and Devin Fisher—to all submit Members in Action fundraising applications. The Members in Action program allows members to raise funds in their local community for a selected organization, and in turn GBU matches funds raised up to $1,000 per member applicant. With all five members submitting applications and raising funds for JAHA, GBU matched a total of $5,000!

Where is that money going, you ask? Well, let's just say it's giving them a real "lift"! The Johnstown Area Heritage Association has been working diligently since early 2020 to raise funds to refurbish its elevator, a project that will be costing them approximately $90,000! If you are interested in learning more about the Johnstown Area Heritage Association and how you can support them, visit Jaha.org.

If you are a GBU member and interested in helping an organization or a cause that has had an impact on your life, join the GBU Members in Action group. Be the first to hear about our newest matching programs you can take advantage of.

You can join this group by joining the GBU Life Member Community at community.gbu.org .

Operation Reach Out May/June 2021 Donors

Tue, 01 Jun 2021 20:04:21 GMT

GBU Life wants to thank all of its donors for their generous contributions to this year's Operation Reach Out.

Give Back Groups

Tue, 01 Jun 2021 19:52:39 GMT

Districts in Action

Tue, 01 Jun 2021 18:47:02 GMT

GBU Life sent $1,000 donations to first responder organizations in each of its own districts. The district leadership teams in each district determined which local non-profits received the funding.

Five Fun Outdoor Games

Tue, 01 Jun 2021 18:34:21 GMT

Ready to enjoy the weather? Get outdoors with these fun and inexpensive games for any age.

1. Scavenger Hunt

Although this requires some preparation, a scavenger hunt is always enjoyable. You don't have to travel far distances to create one; it's just as fun setting up a scavenger hunt in your neighborhood.

2. Freeze Dance

Select one person to handle the music while the others dance. Once the music starts, the dancing begins. When the music ends, the dancers will freeze in place. Any dancer who moves once the music stops is automatically out. The game continues until only one person is left (the winner). Tip: Don't have a stereo or speakers? Use your phone. You could even sing!

3. Sidewalk Chalk Tic Tac Toe

Grab your sidewalk chalk and find the nearest driveway, basketball court or patio for a game of tic tac toe. Afterwards, you could even whip up a quick hopscotch diagram with any remaining chalk.

4. Obstacle Course

Keep boxes from online orders to create an outdoor obstacle course in the yard. This is also an excellent use for sidewalk chalk!

5. Simon Says

One person is designated as Simon. They begin by exclaiming, "Simon says, [action]." Then, everyone does what Simon requests. If Simon doesn't say "Simon says" when playing, those who do that action are considered out. The last person to get out is Simon for the following game's round.

How to Pull off the Ultimate Backyard Drive-In Movies

Tue, 01 Jun 2021 17:46:12 GMT

With the summer quickly approaching, the sky is the limit when it comes to affordable things you can do outside with your kids. These modest activities may not seem like much, but when you have a free afternoon and a small budget to work with, these activities are a way to keep your kids preoccupied for a short while. What may surprise you is how much of a lasting impact these memories can make on your children, and one day, maybe even their children.

Growing up, I was fortunate enough to have a mom who sacrificed her career to stay at home with us, which made it possible for us to spend all our summer days adventuring in our huge backyard. Between my brothers and cousins, there were a whopping six of us running around! To keep all of us, including my mom sane, she planned out exciting and unique crafts and activities on a daily basis. Among the many activities my mother planned for us over the years, there is one clear winner in my mind: Backyard Drive-Ins.

No memory “hits me in the feels” more than sitting out in the grass with my siblings and cousins in our cardboard cars, popcorn in hand. We had the snack bar within eyeshot, warm blankets for whenever the dusk turned to dark and our favorite flick, The Goonies rolling. This tradition would continue, year after year. Each year, our decorated cardboard cars would get a little more impressive and a little less spacious.

Fast forward 20 years, my husband and I have continued this tradition with his family, and I plan to continue it with my own kids one day. Maybe you will feel inclined to start the same tradition in your family. Here are the steps to the ultimate backyard drive-In.

Steps

If you are still reading this, my guess is that you are at the very least, "intrigued" by taking on the challenge of backyard drive-in. The beauty of this project is that you can easily modify certain parts if your budget or time does not allow for it. Premade cars can be purchased on Amazon in place of designing cars on your own. Also, this activity can be done inside if you do not have a yard or a way to display the movie outdoors.

How to Make an Award Ribbon for Dad

Tue, 01 Jun 2021 12:45:03 GMT

Supplies

1 sheet of orange paper
1 sheet of peach paper
1 sheet of yellow paper blue or black marker scissors
glue and/or tape

Steps

Fold the orange sheet of paper in half (lengthwise)
Cut down the middle of the paper to make two long strips of paper
Using one of the strips, make accordion folds across the entire piece
Fold one accordion in half and glue together (the paper will look like a fan)
Secure the last few folds by applying a dot of glue or a small piece of tape to the bottom of the fan
Repeat steps 3-5 with the second strip of paper
Glue the two separate pieces together to form a rosette
Using the yellow paper, cut a circle smaller than the rosette; write "Best Dad Award" on the circle with marker
Add glue or tape to the back of the circle, press the circle on to the rosette and allow the glue to set
Cut two ribbons using the peach, then glue or tape to the back of the rosette

Note:

Alternate paper can be substituted.

Keeping the Pests at Bay

Fri, 28 May 2021 15:38:22 GMT

As many Americans find themselves working from home for the first time, backyard gardens are on the rise. If you are trying your hand at gardening for the first time and wondering how you can keep those pesky bugs and woodland creatures out of your garden beds, check out these simple tricks so that your garden doesn't turn into a free buffet.

1. Cayenne pepper bug spray recipe. Pests will want nothing to do with your plants once you spray this mixture on. Mix together the ingredients below then pour the mixture into an empty spray bottle. Be sure to spray your plants in the morning to avoid the sun burning the leaves since there is alcohol in the mixture. Spray your plants as needed and reapply after it rains.

Ingredients

8 cups water

1 cup liquid dish soap

1 cup Listerine mouthwash

1 teaspoon cayenne pepper

2. Create an eggshell barrier. If teeny pests are the problem, you can try an eggshell barrier to make it more difficult for them to get to your precious plants. Crush eggshells and place underneath your affected plants.

3. Borrow some fake rubber snakes from your kids. As silly as it sounds, if rabbits are the problem, rubber snakes have been proven to be effective deterrents.

4. Make a chicken wire garden cloche. Although a wire fence around your garden seems like the obvious best way to keep pests at arms length, it may not always be a practical solution depending on your budget and lot size. If you can’t fence in your entire garden, a chicken wire garden cloche is a nice alternative.

Farmers Market Finds

Fri, 28 May 2021 15:17:44 GMT

Items to Fill Your Tote with this Spring

What says "spring" more than a morning of shopping at your local farmers market? Farmers markets have been around for thousands of years and for good reason. They continue to be the perfect place for people in the community to engage with each other, learn about each other's products and produce and have the opportunity to support local business. Whether you are a vendor or a shopper, you can't escape the quaint and "small-town" feel of the modern-day farmers market. Here are some favorite "farmers market finds" to look for this spring.

In Memoriam March-April 2021

Fri, 28 May 2021 15:11:00 GMT

A tribute to members we have lost

Trivia Time! GBU Trivia has moved to the GBU Life Member Community

Fri, 28 May 2021 13:12:48 GMT

How to Play:

1. Log into the GBU Life Member Community at community.gbu.org.

2. Look for the Trivia Question pinned to the to p of the newsfeed.

3. Follow the instructions to submit your answer by June 30, 2020.

The first 10 players to answer correctly will win a $20 Amazon gif t card. One lucky player will be chosen at random to receive a $250 Amazon gift card!

Eggplant Moutabal (Smoky Eggplant Dip)

Fri, 28 May 2021 13:11:43 GMT

Ingredients

2 medium-sized globe eggplants (about 1¾ pounds total)
⅓ cup tahini
¼ cup fresh lemon juice
3 tablespoons extra-virgin olive oil, requires more for drizzling
Kosher salt
Pomegranate seeds (for serving)
Black sesame seeds (for serving)

Directions

Step 1: Prep charcoal grill for medium heat. Place and cook eggplants directly on coals, turning occasionally. Cook until skins are completely charred and flesh collapses, approximately 15–20 minutes.

Step 2: Remove skins from eggplants. Transfer cooked eggplant to a sieve/fine-mesh strainer; place over a bowl and drain for 10 minutes.

Step 3: Transfer cooked eggplant to a food processor. Add tahini, lemon juice and extra-virgin olive oil and process until creamy. Season dip with salt.

Step 4: Transfer dip to a bowl and top with pomegranate seeds and black sesame seeds. Drizzle with additional oil.

YIELD

4 servings

How to Stay Safe in the Sun

Fri, 28 May 2021 13:10:54 GMT

Enjoy the sunny days while staying safe and protected!

Grilled Spicy-Coconut Chicken Thighs

Thu, 27 May 2021 18:44:55 GMT

Ingredients

1"-3" piece fresh ginger
5 garlic cloves
¾ cup coconut milk
¼ cup hot chili paste
¼ cup fresh lime juice
2 tablespoons light brown sugar
1 tablespoon kosher salt
2 tablespoons vegetable oil, more required for grill 2 pounds skinless, boneless chicken thighs
½ cup cilantro leaves
Lime wedges (for serving)

Directions

Step 1: Set grill on medium heat. Finely grate ginger and garlic into a medium-sized bowl. Add coconut milk, chili paste, lime juice, brown sugar, salt and 2 tablespoons vegetable oil; whisk to combine. Add chicken and coat with marinade. Let sit at least 15 minutes, but up to 4 hours.

Step 2: Remove chicken from marinade and transfer to a rimmed baking sheet. Pour marinade into a small saucepan and bring to a boil. Reduce heat to medium-low and simmer until slightly reduced for 2–3 minutes. Stir occasionally.

Step 3: Clean and oil the grate of grill. Grill chicken and turn once. Baste occasionally with marinade until chicken is cooked through (around 8–10 minutes).

Step 4: Plate chicken and brush with marinade. Sprinkle with cilantro and add lime wedges.

YIELD

4 servings

Grilled Shrimp with Old Bay and Aioli

Thu, 27 May 2021 18:28:02 GMT

Ingredient s

½ cup plus 1 tablespoon canola oil, requires more for grill 1 pound shell-on shrimp (16–20 per pound)
3 small garlic cloves, finely grated, divided
1½ teaspoon Old Bay Seasoning, requires more for serving
¾ teaspoon kosher salt, divided, requires more
1 large egg yolk
2 lemons, cut in half and divided

Directions

Step 1: Turn on grill to medium-high heat and lightly oil the grate. Cut each shrimp shell along the back vein to the tail. (Shrimp shells should remain on when grilling.)

Step 2: Transfer shrimp to a medium-sized bowl. Add 1 tablespoon canola oil, two-thirds of garlic, 1½ teaspoon Old Bay Seasoning and ¾ teaspoon salt and combine. Let sit 10–15 minutes.

Step 3: To make the aioli, whisk egg yolk and remaining garlic in a medium-sized bowl. Finely grate 1 teaspoon lemon zest into egg mixture. Whisking constantly, gradually stream in remaining ½ cup canola oil until thick and pale yellow. Juice one of the lemon halves and add to mixture. Season with kosher salt (don't be shy).

Step 4: Grill shrimp and three lemon halves until shells are golden brown and shrimp flesh is opaque. Grill lemons face-down for 1–2 minutes.

Step 5: Spread aioli on a platter. Place shrimp and lemons. Lightly season with more Old Bay Seasoning.

YIELD

4 servings

Aging Well: Gardens are Rewarding

Thu, 27 May 2021 18:17:50 GMT

As soon as I would hear his car pull into the garage, I would grab the bread and the butter and sprint outside to join my dad for a walk through our garden. If the radishes or onions were ready to be picked, we would brush the dirt off and slap them on a piece of buttered bread for a bite of heaven. Our garden provided more than fresh vegetables for my family; it was a place to meet. There is something so rewarding about bringing people and plants together.

No matter if you are seeding, weeding or watering, the aspects of gardening are perpetually therapeutic. Planning a garden mirrors life’s best lesson. Everything must be done in the proper order with attention to detail. Gardens need to be nurtured for growth to occur. You must respond to the conditions and act accordingly if you want it to be successful. Having your hands in the earth tickles the senses. Watching the growth of a plant, from seed to plate fosters feelings of pride and positivity. Fewer things are more rewarding then heading to the garden to gather the ingredients for a meal.

Having an abundance of vegetables and fruits triggers a greater consumption of nutrient-dense foods. Healthy eating equals a happier family. My grandmother had an intentionally oversized garden so she could share the bounty with people in her congregation. Every Sunday she could be found preparing a big basket of goodies that she would place on the step of the church. This simple gesture of helping others meant everything to her. Gardening can impact people in a glorious way.

Perhaps the world could use a garden right now. Imagine community gardens sprouting up where strangers would come together to heal and prosper. I love the idea of a young family starting a garden under the leadership of the widow across the street. Imagine boxes of free vegetables popping up to help feed families that are struggling. These uncertain times may be the perfect time to plant, share and grow your community.

Cathy Graham is the director of Graceful Aging Wellness Center, part of Bethlen Communities in Ligonier, Pennsylvania, and a District 3000–HRFA member. cgraham@bethlen.com

Have Fun in the Sun with Amazon Smile

Thu, 27 May 2021 18:05:55 GMT

The AmazonSmile program gives back a portion of your Amazon purchases to the organization of your choice. In order to donate to the GBU Foundation, go to Amazonsmile.com and select 'GBU Scholarship Foundation, Inc.' as the organization you would like to support.

Starting Early: How an Education Savings Account Can Pave the Way For Future Choices

Thu, 27 May 2021 17:21:25 GMT

The end of the school year is fast approaching. Another year in the books! Whether you are celebrating the move to first grade or the official start of high school, the years seem to fly by. It is never too early to start thinking about what is next after high school. If college, trade or technical school is a future consideration, starting to save now can make it much easier to make the transition after the final year of high school.

One of the easiest ways to start saving for post-secondary education is with a Coverdell Education Savings Account (ESA). The Coverdell Education Savings Account is a type of IRA that allows not only parents, but other relatives and even family friends to contribute to a child's account. Non-deductible contributions each year can be up to $2,000 total for all contributors.

The contributed funds grow through investments, much the same as a retirement account, and earnings are tax-deferred. That means the earlier you start making contributions, the more your child's account will be able to grow. The account beneficiary can then use the account to pay for education expenses

until age 30. The Coverdell ESA can be set up in a way so that it does not affect other financial aid that the child may be eligible for. Funds withdrawn for education expenses are not taxed, however, funds not used for education expenses carry a tax penalty. A student that is not able to use all of the funds prior to age 30 can transfer the remaining funds to a sibling or close relative. Which is a great option, should your little one be a future recipient of a full scholarship.

Another reason to start a Coverdell ESA early is that funds from the Coverdell ESA can also be used to pay for K-12 education expenses such as private school tuition, books and supplies, tutoring and special needs services. This allows you more options should your child need to switch schools, have an opportunity to attend a private school that meets his/her needs or have need of additional special needs services while attending elementary or secondary school. In fact, the Coverdell ESA fund further protects children with special needs by removing the requirement for the funds to be used by age 30.

If you're interested in starting a Coverdell ESA for a child in your life, talk to your GBU agent or schedule an appointment at GBU.org .

Six Staycation Ideas the Whole Family Will Love

Thu, 27 May 2021 17:11:25 GMT

Staycations are a great way to learn more about your city, keep your finances in check and enjoy time with family. Staycations allow you to maximize time and money as you won’t spend as much on gas, airfare, lodging and food. Not to mention, when you use sites like Groupon or Living Social, you can get a discount on a variety of activities or events in your area. Need some help getting started on planning your staycation? Here are six ideas the whole family will love.

Everyone, Together

Thu, 27 May 2021 15:01:09 GMT

The advantages of protecting your whole family on one life insurance policy.

As a GBU member, you are likely well-versed on the importance of protecting your family's financial future with a life insurance policy for yourself. Now, with GBU Life's new Select Choice Term and Secure Life permanent life insurance options, you can protect your entire family on one policy through the optional purchase of Spousal and Children's Term Riders. There are some important advantages for doing so.

Both the Spousal and Children's Term Riders allow you to choose the amount of coverage for your additional family members based on your coverage level. Each rider has additional features that make them a great addition to your policy.

For Your Spouse

The Spousal Term Rider covers your spouse for a 20-year level term with coverage amounts from $50,000 up to the face value of your policy. Your spouse's coverage ends after 20 years or when you reach age 70, whichever comes first. The cost for the rider is based on the age, sex and health of your spouse at the time of the application. Your spouse can choose to convert the rider to a whole life policy with a face value from $10,000 up to the value of the

original policy. The rider can be converted at any time after a year and in the case of your death or a divorce.

For Your Children

The Children's Term Rider covers all of your children for the same amount on the same policy. Even children who are born or adopted after the policy is in force are covered. You simply pay an annual premium of $5 per $1,000 of coverage, up to $20,000. When your child reaches 25 (or you reach the age of 75), he or she is eligible to convert the rider to their own policy without additional medical exams or questions. Should you pass away before your child is 25, your child continues to be covered under the policy and all premiums are waived.

Added Benefits

Your spouse and children covered under these riders are considered members of GBU Life and are eligible for all GBU Life member program such as scholarships, grants and discounts. In addition, your entire family can participate in GBU events and giving back to your local community together.

To find the best options for Select Choice term and Secure permanent life insurance for you and your family, talk to your GBU agent or visit GBU.org to request an appointment.

Four Easy Ways to Keep Costs Low for Your Summer Vacation

Thu, 27 May 2021 14:45:05 GMT

Itching for a vacation this summer? Whether you're hitting the open road or planning a staycation in your own city, here are four tips to keep costs low for your adventure.

Evolving Our Mission

Thu, 27 May 2021 14:14:16 GMT

Hello GBU Members,

As I was preparing this article for The Reporter, I started by reviewing my past articles and thinking about the changes that have occurred over the past three years. I, like all of you, have had opportunity to refocus on the importance of family, community and financial stability. The idea of stability was in the front of my thought process because GBU recently celebrated our 129th anniversary. Bill Hunt, our CEO, reminded our employees on April 13, 2021, of our legacy: the GBU was a mutual benefit association and life insurance company, a vehicle for multiethnic cooperation, a social group and a significant charitable contributor founded April 13, 1892. What was true in 1892 reflects our great society’s roots and ties into our vision today: 'to grow GBU Life into a best-in-class insurance company, providing competitive products, community strengthening and member activities for all generations.'

My professional responsibility to our members, producers and employees is to preserve the value of our investments and continue to secure our futures. This has always been the Investment Department's mission. In past articles, I have emphasized our investment philosophy and commitment to fuel responsible growth for the society.

Today, we continue to focus on financial stability by generating stable and consistent value through high quality investing in fixed income securities. We manage the portfolio to remain “excellent” (A-) as rated by AM Best. This rating is a true indication of GBU’s stability and focuses on responsible management.

Like that of our organization, the investment mission has continued to evolve over the past few years. In the Home Office, we continue to oversee all $3.4 billion in assets, but the evolution is occurring on how we increase the efficiency and opportunity for our assets to grow. Over the past 14 months, GBU has hired three investment managers to provide additional perspectives, access to new investment opportunities, and most importantly, diversification into more types of investments to keep GBU growing. Each investment manager has a small portion of GBU’s assets under management, but each must comply with the same investment process, limits, and high quality standards GBU has employed for decades.

Our lineup of managers remains internally managed. Mandi Surgeon, CFA, CTP, and I have a combined 35+ years of experience managing fixed-income, insurance-focused assets. Mandi’s CFA designation is an investment industry mark of the highest achievement. The CFA charter requires three years of intense study and passing three exams that signify the knowledge and commitment of the highest integrity and discipline. Mandi’s addition to the team provides additional perspective and improvement to the internal process. Mandi and I coordinate on investment opportunities and interact directly with our investment partners to generate the yields that make our annuities and life insurance products the valuable assets our members depend upon for their investment goals.

Our investment partners (AAM Asset Management, Securian Asset Management, and Wellington Asset Management) specialize in insurance company assets. Each was selected because of their expertise, resources and fit with the GBU’s philosophy. The individual manager is an extension of the GBU philosophy focused on income generation, low trade turnover, and value investing. Long-time members may be surprised to learn about the use of managers other than GBU employees; however, as the investment environment changes, so must our business model.

The important aspect to know is that all three investment-partner teams combined manage less than 15 percent of the GBU assets. Each must follow our investment policies, limits, and insurance regulations in making investment decisions. Regular communications between our investment team and our partners ensure that we all work as an extension of GBU’s investment philosophy and that our goals are achieved. Managers find opportunities for investments through their networks, contacts and investment evaluations that GBU, traditionally, may not have been able to access. Our board reviews all investment results quarterly to ensure the value-added and growth of the portfolio are meeting the requirements of the society.

The Investment Department’s role in the GBU business model is to ensure that the investment you make with GBU is growing and that your initial investment is safe and available on your terms for your goals. The quality of the GBU investment portfolio remains high, with all of our assets in bonds and cash.

The stress-test scenarios conducted by actuarial firms required by insurance departments indicate that our investments remain extremely well-positioned to protect your money during stressful times like we just experienced in 2020. The expectations of GBU members that rely on a stable income, access to their money and protection of the principal have not changed. The philosophy of prudent investment and consistent growth remains the same. The evolution of the investment process makes it possible to access opportunities and use more efficient resources while diversifying our expertise to keep growth constant. This allows us to provide value to you, our members, as well as opportunities for prospective members into the future.

Sincerely,

Tim King, CTP

VP/Chief Investment Officer

Birthday Match Program

183:849361569 (Jennifer Stockdale) — Tue, 25 May 2021 18:51:26 GMT

Happy Birthday from GBU Life!

As a gift from GBU Life to you, we would like to extend the opportunity to participate in a "Birthday Match". Make a donation to your favorite 501(c)3 organization on your birthday and we will match your donation up to $100! After reviewing the donation options available and making your donation, complete the application below.

Ways to Donate:

Questions?

Email memberbenefits@gbu.org or call 800-765-4428, selection option#1, and then option #3.

GBU Life Community Day at the Pittsburgh Zoo

Tue, 18 May 2021 17:58:13 GMT

Thank you to all who registered for GBU Community Day at the Zoo on July 24!

We still have a small amount of tickets left for sale but registration will close for good on Friday, July 16, 2021. Purchase your last minute tickets as soon as possible to ensure availability.

Each ticket includes:

Access to all exhibits in the Pittsburgh Zoo and PPG Aquarium from 9:30 am-6:00 pm on the day of the event
$10 in Zoo Bucks per person to be used at a zoo food vendor of your choice
Exclusive access to the GBU Family Entertainment Tent (Face painting, magic tricks, and costume characters to engage your kids)
Free digital family photos to remember your day by
GBU gift

Items to note if you bought tickets:

You should receive your zoo package to the address you provided during registration no later than Saturday, July 17th. Included in the package will be your wristbands, Zoo Bucks ($10 in Zoo Bucks per ticket), and a program trifold. If you do not receive your package by July, 17, or if there is a problem with your order, please call Anna Meek at (412) 884-9814.
No "GBU check-in" is required upon admission on July 24. Since you will already have your tickets in-hand, you can just use the regular admission entrance for the zoo.
To receive your free gift, you must visit the Garden Tent (GBU Entertainment Tent) between the hours of 10:00 am and 5:00 pm.
Feel free to come and visit the Garden Tent throughout the day as activities occur or if you need a place to relax. Refer to the program button below for a list of events and times.
If you are curious about what exhibits and amenities are available to you as a Pittsburgh Zoo and PPG Aquarium guest, feel free to check out their website using the button below.

Managing Risks and Assets: Financial Update

Mon, 17 May 2021 14:49:22 GMT

Strengthen ing Our Process

For the past three years, I've had the opportunity to share semi-annual financial updates with you. Throughout these articles, I've continued to emphasize the strength, security and solid foundation that will lead GBU through the next 129 years. If you recall, I've consistently discussed that while we have a solid foundation, it would be necessary to move forward and build upon the past's significant accomplishments. Further, these changes would be up to all of us (members, agents, employees, board members) to help facilitate as everyone is impacted by how we are evolving and growing. I am excited to share what we've accomplished as the incremental changes we've made over the years have come to fruition in very noticeable ways in 2020.

The most obvious changes to GBU are the visual changes: the new look of The Reporter, the new branding and the increase in the number of Home Office employees. Additional changes that you may not yet be aware of are the new life insurance products that have just been introduced (March 1) and the new GBU Life Member Community platform. We are working on new technologies for our Underwriting/New Business and Customer Service Teams, product licensing expansion in additional states and future enhancements to our annuity products.

These changes were a collaborative effort by members, employees and agents with the oversite and approval of

GBU National Board of Directors. In the last year, a group of active district members was pooled to create the Fraternal

Advisory Council (FAC). The FAC is assisting Matt Blistan and his team to have a clearer understanding of what assistance and programs the districts and members want. In addition, GBU created a Producer Advisory Council (PAC) comprised of GBU agents. This council has been providing great input and feedback in developing the new life insurance products along with new technologies for underwriting/new business.

As GBU expands on its solid foundations, it has a plan which includes all members. One process not mentioned which I

believe is the most important, is how GBU monitors these changes to ensure financial stability and protect the funds that

you have entrusted to GBU for years to come. It is important that GBU manages its growth rate to maintain financial

stability. With the help of our actuary, a modeling program has been developed in which each product's sales forecast is input along with its historical results, thereby creating an insurance operations forecast. My finance team will use these numbers, along with the expense budget numbers, received from all areas of the society to arrive at a forecast. This forecast is reviewed and updated on a quarterly basis. The process of modeling and forecasting will help ensure any GBU expansion will occur in a manner in which the society remains financially stable in the future.

As you can see there is a well-planned process for the expansion of GBU. As with any expansion, there will be “growing pains." As we encounter some of these “growing pains," we ask for your understanding and patience.

Assets

Liabilities and Unassigned Surplus

Summary of Operations

Capital and Surplus Account

About the Numbers

GBU’s 2020 financial results continue to be strong. GBU’s assets increased 11.13% to $3.434 billion, and we had a similar increase of 11.37% to liabilities which are now $3.185 billion. Reserves for annuity contracts make up $2.930 billion of the

liabilities while investments in bonds account for $3.249 billion of the assets. Surplus remains very strong at $248.15 million, an 8.04% increase. GBU’s current solvency ratio is 107.79%. This means for every $100.00 of liabilities there is $107.79 of assets.

The net income after refunds to members is $25.76 million which is $5.42 million lower than 2019. In our 2020 financial forecast, we planned for a $28.30 million net income which is only $2.54 million more than actual results. This is a good result considering all of the factors which made 2020 an especially unique year. Total revenues for the year were

$623.09 million, an increase of $3.09 million from 2019. GBU continues to have an exceptional cash flow from operations. For 2020, cash flow from operations was $353.7 million. This is an increase of $11.8 million from the 2019 amount of $341.9 million.

As we move forward in 2021 and beyond, GBU will continue to expand and build on the solid foundation that I previously mentioned. This will mean additional changes for the improvement and strengthening of the society. GBU will continue to put members first while securing futures.

Announcing GBU's New Select Choice Term Life Insurance

Mon, 17 May 2021 14:18:18 GMT

Coverage that's there when you need it

Choose the plan that’s right for today and tomorrow

Select Choice Term: Choose the low-cost, high face-value coverage you need from 10-, 15-, 20-, 30-, and 35-year term

options. Your premiums stay the same throughout the entire term, making budget planning simple. Plus, you can convert all or part of your policy to permanent whole life insurance at any point. After your level term period ends, your coverage becomes annually renewable.

Select Choice Annual Renewable Term: Choose this one-year policy that can be renewed annually and is convertible to

permanent whole life insurance at any point up to age 70. Premiums are structured to be lower at the start and gradually

increase as the member’s age and earning potential increases. Or, members can elect to keep premiums fixed by reducing their coverage each year.

Select Choice Youth Term Life: Choose to begin valuable protection for children and grandchildren, up through age 17.

Our annually renewable policy gives you the option to insure children–and guarantee their future insurability. Coverage can remain in force until age 95 as long as premiums are paid. Plus, it is guaranteed to be convertible to whole life benefits at any time. This provides solid protection both now and for the future.

Expand your benefits. Choose from a range of optional riders.

Waiver of Premium
Accidental Death Benefit Rider
Additional Children's Term Rider Coverage
Living Benefits Available on Policies $100k or more

GBU Life is the marketing name for GBU Financial Life (GBU). Life insurance and annuities are issued by GBU Financial Life, 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227. Products referenced are offered and sold only by appropriately appointed and licensed entities, financial advisors and professionals. Not all products and riders are available in all states and may vary by state. Certain riders may not be available with all products. If you contact GBU, you may be offered information regarding the purchase of insurance products and/or contacted by a licensed insurance agent. No statement contained herein shall constitute tax, legal or investment advice. You should consult with a legal or tax professional for any such matters. Life application ICC20-LLA, FL20-LLA.2.

In Memoriam: January-February 2021

Wed, 21 Apr 2021 13:40:12 GMT

A tribute to the GBU members we have lost.

Districts in Action

Tue, 13 Apr 2021 15:01:45 GMT

Spring Crossword Puzzle

Mon, 12 Apr 2021 20:48:51 GMT

DIY Tie Die

Mon, 12 Apr 2021 20:24:37 GMT

What You'll Need

Tie-dye kit
Rubber bands (2-8 per shirt)
Gloves
Plastic bags (1 per shirt)
Wire cooling racks
Utility sink or bathtub
T-shirts (cotton, wool, silk or rayon)

Procedure

Pre-wash your shirts and leave them damp from the washing machine.
Fold and rubber band your shirts as desired.
Mix up the bottles of dye.
Place wire racks on the bottom of the bathtub or utility sink so that the shirts don’t sit in the puddle of excess dye.
Squirt the dye onto the shirts, making sure that the dye gets down inside the folds. Let the excess dye drip off, then wrap the shirt tightly in a plastic bag.
Wash dye down the sink/tub drain between each shirt to avoid staining the sink/tub.
Once all the shirts have been dyed and wrapped in plastic bags, set them somewhere warm for 24 hours.
After 24 hours, carefully cut off the rubber bands and rinse the shirts in cold water to get the excess dye out.
Don't worry if there is still a small amount of excess dye left after the rinse. Just toss the shirts into the washing machine for a light wash and cold rinse to make sure that all of the remaining dye is removed.
Finish by drying on high heat to further set the colors, and your shirts are ready to wear!

Tips

Recommend using a Tulip One-Step Tie-Dye Kit.
Latex gloves work the best.
To learn how to make different tie-dye designs visit: tiedyeyoursummer.com/techniques.

How to Make Chore Sticks

Mon, 12 Apr 2021 19:18:52 GMT

Chore sticks will help teach kids responsibility and the value of hard work, along with helping to keep your home cleaner and neater! They can earn chore sticks for doing chores, and you determine how many chore sticks they earn. The kids can turn in their chore sticks for privileges, treats, or even allowance.

Supplies

2+ small mason jars (1 for the main chore stick jar and 1 for each child)
Approximately 50 craft sticks (more or less, depending on how many kids you have)
Washi tape or thin, decorative duct tape
Tape or hot glue gun
Labels
Paper for creating the Chore Stick Reward Chart

Steps

Wrap small amounts of washi tape or thin, decorative tape at the top of the craft sticks.
Create labels with each child's name and a label for chore sticks jar.
Wrap a piece of washi tape around the top of the chore stick mason jar. Attach the labels with tape or glue gun. One jar will be the main chore stick jar and the others will be for each child.
All the chore sticks go into the main chore stick jar until they are earned.
Create a Chore Stick Reward Chart and hang it in an obvious spot where everyone will see it. Example of rewards could be 1 chore stick is equal to 30 minutes of TV or 2 chore sticks are worth a special treat. Allow the kids to cash in their sticks as they please.

Spring Gardening Tips

Mon, 12 Apr 2021 19:03:37 GMT

Spring is here! With the new season in bloom, it’s the perfect time to start a new activity. Gardening is a great hobby that is both fun and good for your health. If you’re new to gardening, here is a list of tips that will help you get started:

A Closer Look At Living Benefits

183:849361569 (Jennifer Stockdale) — Fri, 09 Apr 2021 16:40:50 GMT

Life insurance offers financial security for your loved ones after you are gone, but did you know, that life insurance can also help you while you are still living? Living benefits riders offer added financial security should you encounter health challenges during your lifetime.

What is a Living Benefits Rider (LBR)?

A Living Benefits Rider is an "add on" to your life insurance policy that allows you to use a portion of your insurance policy's face value to pay for medical care and other costs should you be diagnosed with a critical, chronic or terminal illness.

What is the cost to add an LBR to my policy?

There is no additional premium to add the LBR to any new GBU Secure Life or Select Choice Term Life Series insurance policy with a face value of $100,000 or more.

How is eligibility to use my death benefit determined?

You will need documentation from your medical provider in order to initiate this rider. Terminal illness is eligible if life expectancy is 12 months or less. A critical illness is defined as a major health issue such as a heart attack, stroke, cancer, etc. A chronic illness is defined as having severe cognitive impairment or unable to perform two (2) activities of daily living (ADLs). The details and specifics of the riders can be found in the LBR contract and explained by your GBU agent.

How much of my face value can be claimed?

If you are diagnosed with a qualifying illness, you can access up to 95% of your policy's face value. The actual amount you can access will be based on your diagnosis, life expectancy and death benefit amount. Lifetime benefit limits may apply. Any remaining value on your policy will be paid out to beneficiaries as a death benefit.

Are there other riders that can help during my lifetime?

All GBU Secure Life and Select Choice Term Life Insurance Series products offer other riders to help during your lifetime. The Payor Waiver of Premium rider waves premiums if the person paying the insurance premiums becomes totally disabled after six months (not available on Single Premium Whole Life or Annual Renewable Term). GBU's Secure Life (except for Single Premium Whole Life) offers a Guaranteed Purchase Option rider allowing you to purchase additional coverage during certain periods of your life without the need for additional medical exams. Most Secure Life insurance policies offer Spousal and Children's Term riders which allow you to purchase life insurance for your entire family on one policy.

Some riders may not be available in certain states and not all riders are available with all life insurance products. Be sure to talk to your GBU agent to choose the life insurance policy and rider(s) that are best for you and your family.

How to Spring Clean Your Digital Clutter

Thu, 08 Apr 2021 20:57:12 GMT

Deactivate unused accounts. Remember that account you made to place an order for movie tickets? Yeah, you know, the one you forgot you even created? Go back in the memory bank and scour around for those unused accounts. If you haven't logged into the account in more than a year, you should consider deactivating.

Review your apps. Take some time and browse through your downloaded apps. Notice a few that are going unused? It's time to get rid of them. But don't just delete the app; fully close your account. Remember that although an account is deactivated, the company who owns the app may still hold onto your inactive data. Learn more about what the company collects by reviewing its privacy policy.

Unsubscribe from email lists. We're all guilty of adding our names to email lists, especially when it comes to receiving coupons and promotions. But if you no longer purchase from that company, you should unsubscribe from its emails. Tip: remember to deactivate your account before unsubscribing from their list!

Strengthen your passwords. Although this can be cumbersome, refresh and strengthen your passwords if you haven't done so already. Avoid using the same password for multiple accounts since this could provide hackers with access to your other profiles. Consider two-factor authentication, fingerprint recognition or facial recognition.

Expunge all personal information from obsolete devices. Do you have old devices lying around the house like cell phones, computers and tablets? Turn on the device and evaluate if there is personal or private information that you'd like to preserve. Once that information is transferred, follow prompts to restore your device to factory settings, thereby deleting all personal information. Afterwards, consider finding outlets for electronic device recycling.

Backup old files and photos. Safely backup your important files to an external hard drive or a secure cloud platform.

Honey Pecan Kiwi Salad

Thu, 08 Apr 2021 20:15:27 GMT

Ingredients

5 cups torn Boston lettuce
3 medium kiwi fruits, peeled and sliced
1/4 cup chopped pecans, toasted
2 tablespoons vanilla yogurt
2 tablespoons lemon juice
1 tablespoon olive oil
1 tablespoon honey

Directions

Preheat oven to 350°F.
Toast pecans in oven by baking in a shallow pan for 5 to 10 minutes.
Combine lettuce, kiwi and pecans.
Mix yogurt, lemon juice, oil and honey until smooth.
Pour yogurt mixture over salad, toss and immediately serve.

Prep Time

Prep: 20 minutes [It takes time to tear the lettuce and peel then slice the kiwi, in addition to toasting pecans.]
Yield: 6 servings

Pineapple Pretzel Fluff

Thu, 08 Apr 2021 20:00:53 GMT

Ingredients

1 cup coarsely crushed pretzels
1/2 cup melted butter
1 cup sugar (divided)
8 ounces package cream cheese, softened
20 ounces can unsweetened, crushed pineapple, drained
12 ounces whipped topping, thawed

Directions

Preheat oven to 400°F.
Mix pretzels, melted butter and 1/2 cup sugar.
Press mixture into a 13x9-inch pan.
Bake for 7 minutes and cool on a wire rack.
Beat cream cheese and remaining 1/2 cup sugar until creamy in a large bowl.
Add in pineapple and whipped topping.
Cover then refrigerate until served.
When serving, break pretzel mixture into small pieces and stir into pineapple mixture.

Prep Time

Prep: 15 minutes + chilling
Cook: 7 minutes + cooling
Yield: 12 servings

Avocado Pie

Thu, 08 Apr 2021 19:00:38 GMT

Avocado Pie Ingredients

Crust Ingredients

7 ounces vanilla wafers
5 tablespoons melted butter
1 3/4 teaspoon baking powder

Whipped Cream Ingredients

3/4 cup heavy cream
1 tablespoon sugar

Filing Ingredients

1 1/2 large avocados
17 ounces sweetened condensed milk
1/2 cup lime juice

Avocado Pie Directions

Crust Directions

Preheat oven to 350°F.
Pulse vanilla wafers in a food processor until finely ground.
Add melted butter into food processor and pulse until combined.
Press vanilla wafer and melted butter mixture into bottom and side of 9" pie plate.
Bake 10 to 12 minutes and let cool.

Filling Directions

Combine all filling ingredients in blender and blend until smooth.
Pour filling into cooled pie crust. Refrigerate 2+ hours.

Whipped Cream Directions

Combine all filling ingredients in blender and blend until smooth.
Pour filling into cooled pie crust. Refrigerate 2+ hours.

Prep Time

Total time: 35 minutes
Yield: 8-12 servings

DIY Spring Cleaning Products

Thu, 08 Apr 2021 18:17:30 GMT

Reusable Cleaning Wipes

If you love the convenience of kitchen wipes, but not the waste, try this recipe for DIY wipes that are kid and pet-safe and reusable.

Supplies

Canning jar with lid or food storage container with a sealable lid
2-3 cups water
2 Tbsp. liquid Castille soap
1/8 cups peroxide
Your favorite essential oils
12 reusable dusting cloths

Directions

Combine liquid ingredients in container, and add 5 drops of essential oil for scent. (Lavender is nice!)
Lay reusable cloths on a table or counter; roll together and place in canning jar or fold cloths and place in food storage container.
Use cloths to quickly clean up your kitchen or bath!

Eggshell Bathroom Scrub

If you love how clean a powdered cleanser gets your porcelain, stainless steel and fiberglass, but don't love the chemicals, try this all-natural and gentle option made with eggshells or calcium powder.

Supplies

Large stockpot filled with water
3 dozen eggshells*
1/2 cup baking soda
Your favorite essential oil
Canning jar with flexible mesh screen or glass jar with shaker top

*For a safe, sustainable scrub with less work, use 3/4 cup calcium powder in place of eggshells.

Directions

Fill a large stockpot with water and bring to a boil.
Reduce water to a simmer and add eggshells for 10- 12 minutes.
Remove eggshells from water and place on a baking pan to dry for 8-12 hours.
Dry eggshells completely in a 200 degree oven for 10 minutes.
Grind eggshells in a coffee grinder and place in jar.
Add baking soda and essential oils and mix.

Keep It Clean this Spring with Amazon Smile

Thu, 08 Apr 2021 16:43:44 GMT

Check out these Amazon Spring cleaning must-haves.

Simple Changes Around the House to Save You Money

Thu, 08 Apr 2021 15:20:04 GMT

Turn out the lights.

Simple, but true. Get into the habit of switching the light off when leaving a room. Lighting a candle can provide better ambiance while also conserving energy.

Turn down the thermostat and layer up.

Consider lowering the temperature on your thermostat in the winter and increasing the temperature of your thermostat in the summer. You could even install a smart thermostat to manage your daily demand of heat or electricity.

Insulate your home.

To save money in the long run, consider upgrading the insulation in your home. Hire a local professional to identify areas vulnerable to heat and cold intrusion.

Lower your water tank temperatures.

Does your hot water come out of the tap uncomfortably hot? Reduce the likelihood of scalding and save money by lowering the set temperature on your water tank.

Look for energy vampires.

Unplug less frequently used appliances that may be drawing on standby power. Examples include computers, gaming consoles, televisions and even stereos.

Clean the dryer vent.

Prevent fires and alleviate extra work from the dryer by cleaning your dryer ventilation system annually.

Eliminate drafts.

Install or replace insulative seals or foam around windows and doors.

New Trivia Game

Wed, 07 Apr 2021 19:47:58 GMT

GBU Trivia is moving to the GBU Life Member Community!

How to play:

1. Login to the GBU Member Community at community.gbu.org . (If you have not already created an account, click "Request to Join". Once we approve your request, you will receive an email from us with a link to create your account.)

2. Look for the trivia question pinned to the Trivia Question pinned to the top of the global newsfeed.

3. Follow the instructions to submit your answer by April 30, 2021.

The first 10 players to answer correctly will win a $20 Amazon gift card. One lucky player will be chosen at random to receive a $250 Amazon gift card!

6 Ways to Turn Your Clutter Into Cash

Wed, 07 Apr 2021 18:03:17 GMT

Here is how you can actually take advantage of your clutter.

What You Need to Know About Life Insurance

Wed, 07 Apr 2021 14:25:50 GMT

What is life insurance?

Life insurance is actually a simple answer to a difficult question: How will my loved ones manage financially if I were to die? If anyone depends on your income or the unpaid work you do, they would most likely struggle if you were to pass

away.

Life insurance pays cash—also known as a death benefit—to your loved ones when you die. It replaces your income and the many non-paid ways you support your household. Your family can use this cash to help pay for immediate and ongoing expenses like funeral costs, daily expenses, a mortgage or rent, and keep a business afloat. It can also be used for future expenses like college tuition, retirement and more.

How much does life insurance cost?

The good news is, life insurance may be less expensive than you think. The cost depends on four main factors: your age, your health, the type of policy and how much coverage you buy. In general, you’ll pay less the younger and healthier you are. To put the price in perspective, a healthy 30-year-old may be able to buy a $250,000 20-year level term policy for about $13 a month.1 That means if you purchase that policy and pay the $13 a month without fail, your loved ones would get $250,000 if you were to die at any point during those 20 years.

What are the different types of life insurance?

Life insurance generally falls into two categories:

Term life insurance provides protection for a specific period of time (the “term” is often 10, 20 or 30 years). This makes sense when you need protection for a specific amount of time—for instance, until your kids graduate from college or your mortgage is paid off. Term life insurance typically offers the most amount of coverage for the lowest initial premium, and is a good choice for those on a tighter budget.

Permanent life insurance provides lifelong protection for as long as you pay the premiums. It also provides “living benefits” like the ability to accumulate cash value on a tax-deferred basis, which you can tap into to help buy a home, cover an emergency expense and more. Because of these additional benefits, initial premiums are higher than what you’d pay for a term life insurance policy with the same amount of coverage.

Sometimes getting a combination of term and permanent insurance is the best answer.

How much life insurance do I need?

The amount of life insurance to buy depends on who you want to protect financially and for how long. As a very general rule of thumb, experts recommend having life insurance that equals between 10 to 15 times your gross income. But you may need more or less than that. An easy way to get a working idea of how much you need is to use an online Life Insurance Needs Calculator, like lifehappens.org/howmuch.

Understanding how you get life insurance.

A great way is to work with a licensed insurance professional who can walk you through the process, which is a no-cost, no-obligation conversation. You can also work directly with an insurance company through an entirely online process. Remember, the best life insurance policy is the one you have in place.

Shrimp Scampi

Fri, 19 Feb 2021 18:36:32 GMT

How To Make Your Own Shrimp Scampi

Prep Time

Total: 30 minutes

Servings: 4

Ingredients

Kosher salt
12 ounces linguine
1 1/4 pounds large shrimp, peeled and de-veined
1/3 cup extra-virgin olive oil
5 cloves garlic, minced
1/4 to 1/2 teaspoon red pepper flakes
1/3 cup dry white wine
Juice of 1/2 lemon, plus wedges for serving
4 tablespoons unsalted butter, cut into pieces
1/4 cup finely chopped fresh parsley

Steps

Bring a large pot water to a boil. Add the linguine and cook as the label directs. Make sure to reserve 1 cup cooking water, then drain.
As the noodles are cooking, season the shrimp with salt. Then, heat the olive oil in a large skillet over medium-high heat. Add in the garlic and red pepper flakes and cook for about 30 seconds to 1 minute or until the garlic is golden. Add in the shrimp and cook. Making sure to stir occasionally, until pink and just cooked through. This is usually about 1 to 2 minutes per side. Once cooked, remove the shrimp. Add the wine and lemon juice to the skillet and simmer for about 2 minutes.
Return the shrimp and any juices from the plate to the skillet along with the linguine, butter and 1/2 cup of the reserved cooking water. Continue to cook for about 2 minutes, tossing, until the butter is melted and the shrimp is hot, adding more of the reserved cooking water as needed. Finally season with salt and stir in the parsley. Serve with lemon wedges.

President's Day Word Search

Thu, 11 Feb 2021 17:22:38 GMT

President's Day Word Search

Celebrate President's Day with this themed word search. Click the button below to download the word search and print.

DIY Chocolate Hearts

Tue, 09 Feb 2021 21:33:23 GMT

How To Make DIY Chocolate Hearts

Prep Time

Prep: 1-2 minutes

Cook: 15 -17 minutes

Total: about 20 minutes

Ingredients

Candy Heart Mold
1 cup chocolate chips
Sandwich bags
Sprinkles
Pink, Red and White Candy Melts (about 10 of each color)

Steps

Microwave your chocolate chips until fully melted using 30 second intervals and stirring in between.
Once done, fill your mold with the melted chocolate.
Place the mold in the refrigerator to allow the chocolate to cool.
Once the chocolate has cooled (about 15 minutes) microwave your candy melts using 30 second intervals.
Once the candy melts are melted, add each color to their own sandwich bag.
Take your chocolate hearts out from the mold and drizzle the melted candy melts over the chocolate.
Add sprinkles.
Place in gift box or enjoy!

Celebrate Valentine's Day The Virtual Way

Tue, 09 Feb 2021 19:00:11 GMT

Celebrate February 14th Online With Your Sweetheart, Friends and Family!

Whether you're celebrating with your family, your Galentines or a special someone here are a few ideas for a virtual Valentine's Day!

Tour A Museum
Take you and your Valentine on your very own private tour of some of the greatest art and museum exhibits in the world all from the comfort of your own home! Travel + Leisure has 12 famous museums that are offering virtual tours. Click here to check it out!
Attend A Virtual Concert
Miss going to a concert? Good news! TPT will be hosting a special live-stream concert with Josh Groban on Valentine's Day. From the comfort of your own home, you can see him perform songs from his new album, as well as some other favorites. Get your tickets here .
Mixology Zoom
Looking to mix things up this Valentine's Day? Check out a few of these Mixology Zoom sessions! Liquid Lab will be having a special virtual Valentin's Day class where you will be learning how to make 3 cocktails. Click here to learn more.
Cooking Class
Have you ever wanted to cook alongside culinary greats like Gordon Ramsay and Gabriela Cámara? MasterClass is offering you that chance! Spice up your Valentine's Day dinner with a cooking lesson from one of your favorite culinary professionals. Click here to find out more.
Watch a Comedy Show
Looking to share a laugh with your friends or your special someone from the comfort of your couch? Check out the Second City and Nowhere Comedy for virtual comedy shows. Or have a comedy marathon by logging onto your Netflix or Hulu account and check out the comedy specials.
Club Living Room
Have you ever wanted to learn how to Hip-Hop, Jazz and Ballroom Dance? Take your Valentine's Day to the next level and learn a new dance move while being in your living room with CLI Studios . Click here for more information.

Fun, Free Workout Videos

websitebuilder@1and1.de — Fri, 05 Feb 2021 00:02:42 GMT

With another year comes another round of New Year's Resolutions. There is an open door to new opportunities for your health and well-being. You can dedicate yourself to a healthier lifestyle in a way that is exciting and fun. Being the best version of yourself should not be a chore - it should be entertaining. Here are a few YouTube workout channels that can
help you achieve your goals for free!

Choose workout videos that work best for you: there is no one size fits all. Be sure to complement your movement with a
healthy diet—whatever that may mean for you—in order to maximize your goal potential.

Reduce Clutter And Find Simplicity In The Kitchen With AmazonSmile

websitebuilder@1and1.de — Thu, 04 Feb 2021 18:53:13 GMT

Check out the ite ms listed below to help with reducing clutter and find simplicity within the kitchen.

Use the AmazonSmile program to give back a portion of your Amazon purchases to the organization of your choice. In order to donate to the GBU Foundation, go to Amazonsmile.com and select 'GBU Scholarship Foundation, Inc.' as the organization you would like to support.

How To Make Paper Rocket Ships

websitebuilder@1and1.de — Thu, 04 Feb 2021 17:57:27 GMT

How To Make Paper Rocket Ships

Supplies

4 sheets of construction paper: orange, white, blue and yellow
Scissors
Paper glue (or stapler)
Toilet paper roll(s)
1 piece of yellow tissue paper

Steps

Cut the white or blue construction paper to the length of the toilet paper roll. Cut a 2" radius circle from the orange
construction paper. Wrap it to create a cone.
Cut three small circles from the yellow and white construction paper to make the windows of the rocket.
Using white or blue construction paper, cut two small triangles to make the base for the rocket.
Make two small, 1" long cuts located at the bottom of the toilet paper. Insert the triangles.
Glue the yellow or blue circles onto the middle of the toilet paper roll.
Cut strips of the yellow tissue paper and add to the bottom of the toilet paper roll.

Snow Day Fun

Thu, 04 Feb 2021 13:59:17 GMT

It’s finally the best day of the year: a snow day!

What better way to spend this day off than to make paper snowflakes! You probably wish you could bring the real snow in, but these paper snowflakes will serve as a beautiful replacement. They are super easy to make and each one will be unique—just like real snowflakes! All you need is a piece of paper and scissors.

First start with a square piece of paper and fold it in half diagonally to make a triangle. Then fold that triangle in half to make another smaller triangle. With that smaller triangle, fold it into thirds, so that there are now two peaks sticking out of the bottom. Cut the two peaks off so that it is once again a triangle. After that, make small cuts in any shape to your liking!Then unfold the paper to reveal your snowflake. It is always a fun surprise to see how pretty it will be.

After you create your paper snowflakes, you may want to create some yummy snowflake cookies! This sugar cookie recipe will be really fun and delicious once they are cooked. Check out the recipe here .

Snowflake Sugar Cookie

websitebuilder@1and1.de — Thu, 04 Feb 2021 13:41:31 GMT

How To Make Snowflake Sugar Cookie

Prep Time

Prep: 2 hours

Cook: 7-9 minutes

Total: 2 hours 9 minutes

Ingredients

3 cups all-purpose flour
3/4 teaspoon baking powder
1/4 teaspoon salt
1 cup unsalted butter, softened
1 cup sugar
1 egg, beaten
1 tablespoon milk
Powdered sugar (or flour)

Steps

First mix together the flour, baking powder and salt, and set aside. In a different bowl, blend together the butter and sugar with an electric mixer until the color becomes lighter. Add in the egg and the milk,and mix until combined. Gradually add the flour mixture from the other bowl, beating on a lower speed until all is combined. Once combined, wrap the dough up and place it in the refrigerator to chill for around 2 hours.
After the two hours have passed, preheat your oven to 375°F. Sprinkle some powdered sugar (or flour) on a clean surface, and roll out the dough with a rolling pin. The dough should be about ¼"thick (a little smaller than the width of your finger).
Then, if you have snowflake cookie cutters, make some snow flake cookies. If you do not have snowflake cookie cutters, you can make any shape you want! Place cookies on a greased baking sheet about 1” apart, and bake for 7-9 minutes. After the cookies come out of the oven,allow them to cool before decorating. Enjoy!

Aging Well: Prioritizing Self-Care

websitebuilder@1and1.de — Thu, 04 Feb 2021 13:41:30 GMT

The importance of wellness is seldom fully realized until its absence becomes more prevalent. In a perfect world, we would all start training for aging in our 20s. Rare are those who give any thought to aging at all, until we get there. Although it is never too late to start taking your aging health more seriously, the sooner healthy practices become habits the richer the golden years. The goal for the third spring of life should be to thrive, not just survive.

Sadly, many Americans give little credence to the concept that self-care is the Holy Grail. There is a stigma about aging; you get old, then you die. That mentality is frightening and downright false. Getting old isn’t shameful. Not investing in self-care is.

It is all too common for people to turn their nose up at exercise, nutrition and a good night’s sleep. Yet these are the three superpowers of staying healthy at every age. We say we don’t have time, it is too difficult to change or, the supreme expression of denial, it is what it is. In reality, we don’t take the time or make the time because losing weight, quitting smoking or eating nutritiously takes work. Folks are looking for surgical intervention or a magical pill to erase decades of damaging practices.

Even when the sole beneficiary of a healthy lifestyle is the one looking in the mirror, it doesn’t trip the breaker. Or does it? If anything or everything you just read is resonating, take a deep breath and take a stand. Start now. The big three—exercise, diet and sleep—will never fail you.

Champion your plate with protein, fiber and foods that come from the ground. Take care of your mouth. According to the American Dental Association, a dentist can spot signs of nutritional deficiencies, infection, cancer and other illnesses. If you just don’t feel right for more than a couple of days, see your doctor. Take care of your skin by always wearing sunscreen with moisturizer. Dermatologists can find most skin abnormalities early, so see one twice a year. Get informed about gut health.We produce less stomach acid as we age so you may need to eat differently. Eat more nutrient-dense foods and fewer calories.

Just as important as physical health is mental health. Being happy and keeping your stress low can add years of fruitful living.Realize that you and only you are in control of your destiny. We all have highs and lows, but it’s how you handle it that makes the difference.

Have fun, explore, learn and give. The best is yet to be.

Cathy Graham is the director of Graceful Aging Wellness Center, part of Bethlen Communities in Ligonier, Pennsylvania, and a District 3000–HRFA member.

Adapting The Art Of Hygge

websitebuilder@1and1.de — Thu, 04 Feb 2021 13:41:27 GMT

This Valentine’s Day, surround yourself and your significant other with the Danish art of hygge. What is hygge (pronounced hoo-gah), you ask? This state of being cozy, comfortable and connected stems from the Danish concept that in the absence of overwhelming things,we are the happiest. Designing an environment around the idea of hygge might look like a hot cup of tea by a warm fire, reading your favorite book underneath a cozy blanket or a filling meal shared with your closest friends and family. Hygge promotes wellness and a calm state of being, making it the perfect concept to channel this Valentine’s Day. Here’s how you can adapt this concept for you and your partner:

Turn The Lights Down Low
The first step to creating a cozy environment is mood lighting. You can set the scene for your night of romance by lighting a fire in the fire place, burning your favorite candle and turning off any overhead lights that may be too bright. Cuddle up with your partner under a warm blanket and watch a movie you’ve both been eyeing to make the night even more memorable.
The Couple That Creates Together, Stays Together
Another creative way to integrate hygge into your Valentine’s Day is to decorate your home with your significant other. This could be choosing items that are special to both of you or starting fresh with new ideas that you create together. Curating an environment that celebrates your relationship will promote a sense of partnership and make your shared space meaningful.
Connect With Each Other
Connecting with each other on Valentine’s Day may seem like a given but using hygge can deepen your relationship with your significant other. Cook a fun, new meal together while you reminisce over an old photo album and a hot chocolate. Play board games in the candlelight while your favorite record spins in the background. Learn to linger in the small moments that hygge creates and celebrate them with one another. Practicing gratitude in your relationship is the heart of hygge and will only bring you closer together in your relationship.

Crustless Quiche Lorraine

websitebuilder@1and1.de — Thu, 04 Feb 2021 13:41:26 GMT

How To Make A Crustless Quiche Lorraine

Prep Time

Prep: 10 minutes

Cook: 35 minutes

Total: 45 minutes

Servings: 6

Ingredients

Cooking spray
6 strips center-cut bacon
1 cup grated Gruyere cheese
2/3 cup 2% milk
1/4 cup half & half cream
6 large eggs
Salt to taste
1 Tbsp. minced ginger
1/8 tsp. ground black pepper
Pinch of freshly grated nutmeg
2 Tbsp. chopped chive

Steps

Preheat oven to 350oF. Coat pie dish with cooking spray.
Cook the bacon in a large frying pan with a lid on medium heat, arranging strips of bacon in a single layer on the bottom of the pan.
Once finished, lay the cooked strips on a paper towel. Wait to cool and then chop the cooked bacon crosswise into 1/4" to 1/2" pieces.
Spread the bacon in the pie dish and top with grated Gruyere cheese.
Create the custard mixture by whisking together the milk, half & half, eggs, salt, black pepper and the nutmeg.
Pour the custard into the pie dish and top with chives.
Bake the quiche for 35 minutes (until the center is set).
Cut the quiche into 6 pieces and serve.

Pairs well with a fresh salad or fruit.

Veggie Noodle Pad Thai

websitebuilder@1and1.de — Thu, 04 Feb 2021 13:41:24 GMT

How To Make Veggie Noodle Pad Thia

Prep Time

Prep: 15 minutes

Cook: 10 minutes

Total: 25 minutes

Servings: 4

Ingredients

1/3 cup Hoisin sauce
1/3 cup lime juice
1/3cup peanut butter
1 Tbsp.Sriracha (optional)
1/2 pound smoked tofu
3 tsp. canola oil
4 minced garlic cloves
1 Tbsp. minced ginger
2 cups spiraled zucchini noodles
2 cups matchstick carrots
2 cups bean sprouts
1/2 cup chopped cilantro
1/4 cup chopped, roasted peanuts (optional)
1/2 cup Thai basil leaves

Steps

Whisk Hoisin sauce with lime juice, peanut butter and Sriracha (optional) in a medium-sized bowl.
Pat tofu dry and cut crosswise into 1/4" thin slices. Heat a large frying pan or grill pan over medium heat. Use 2 tsp. of canola oil and add tofu. Cook until golden and place on a plate.
Add remaining 1 tsp. of oil, garlic and ginger to pan and stir for 30 seconds. Add zucchini noodles and carrots. Stir ingredients for 2 to 3 minutes, until vegetables are tender.Add in reserved sauce to coat vegetables.
Plate and top with tofu, bean sprouts, cilantro and peanuts (optional).
Squeeze lime juice onto the plate and add Thai basil leaves.

Shepherd's Pie With Cauliflower Mash

websitebuilder@1and1.de — Thu, 04 Feb 2021 13:41:22 GMT

How To Make Shepherd's Pie With Cauliflower Mash

Prep Time

Prep: 20 minutes

Cook: 45 minutes

Total: 65 minutes

Servings: 6

Ingredients

1 medium-sized cauliflower, cut into bite-sized pieces, about 9 cups (Tip: cauliflower rice works as well.)
1/4 cup milk
3 Tbsp. unsalted butter, separated
1 tsp. salt
1 onion, finely chopped
1 pound ground beef
1 1/2 cups beef broth
5.275 oz. can tomato paste
1/4 cup HP sauce (a brown sauce adding oomph to your favorite dishes—find at Walmart, Target or Amazon)
Pepper to taste
2 cups frozen, mixed vegetables, such as peas, corn and carrots

Steps

Preheat broiler to high.
Boil a large pot of water. Add cauliflower and cook, covered, until tender (about 12 to 15minutes). Thoroughly drain and transfer to a food processor. Add milk, 2 Tbsp. butter and salt. Blend until smooth.
Melt remaining 1 Tbsp. butter in a large frying pan over medium-high heat. Add onion and cook until softened (about 2 to 3 minutes). Add in the beef. Cook, stirring occasionally, until meat is no longer pink. Add beef broth,tomato paste and HP sauce. Season with fresh pepper
Reduce heat to medium-low and simmer for 5 to 6 minutes. Add in frozen mixed vegetables and cook until warmed.
Divide meat and vegetables into 6 individual, oven-proof dishes, then add the cauliflower mash to the top. Set dishes on a baking sheet.Broil in oven until the mash is warmed (about 2 to 3 minutes) .

How To Add More Fitness Into Your Routine

Thu, 04 Feb 2021 13:41:20 GMT

Working out doesn't have to be time-consuming! Here are four simple steps to incorporate a workout in you day.

1. Use Your Lunch Break

Whether you have a 15-, 30- or 60-minute break, take that time to squeeze in a quick, brisk walk around the neighborhood or parking lot.

2. Cut Back On Your Car Usage

Need to run some errands?Leave your vehicle parked in the garage and use your bike as transportation.

3. Get On The Floor While Watching TV

Consider sitting in a squatting position while browsing for your favorite movie.This action helps work your core muscles.

4. Take The Steps

I know, I know. Everyone always says this,but it really does make a difference, especially if you can't squeeze in any other exercise throughout the day.

Putting Your Tax Refund To Good Use

Thu, 04 Feb 2021 13:41:19 GMT

If you are one of the 100 million or so Americans that is anticipating a tax refund this year, you may already have it earmarked for something such as a family vacation, to pay down debt or some home improvement projects. However, if your plans don't quite pan out, or you were simply planning to save your refund, there may be some ways that you can get the most out of your refund other than putting it into your savings account.

Here are a few ideas from the GBU Sales Team on possible uses for the average $2,500 US federal tax refund to fund life insurance or annuity products so that this year's refund can help to secure funds for future expenses or secure a legacy for you or your family.

Three Ways To Grow Your Tax Refund

Whole Life Protection For A Child
With your $2,500 refund you can purchase a whole life insurance policy with a face value up to $30,000* for that special five-year-old in your life. The-policy will grow in cash value throughout that child's life and will be available to borrow against for emergency expenses or education. Adding a Guaranteed Purchase Option rider means that child will have opportunities to get additional life insurance at various points throughout life without a medical exam.
Saving For College
You can start a Coverdell Education Savings Account for one or several children in your life. This savings program allows education funds to grow tax free until they are needed. This account can be used for higher education as well as qualifying K–12education expenses. You can continue to contribute to this account each year, though certain maximum contributions apply.
Funding A Legacy
If you hope to leave a legacy donation to a favorite charity, a tax refund is a good way to secure your gift. You can purchase a single premium whole life policy with your $2,500 refund that could allow up to $5,000*upon your passing to be left to a charitable organization designated as a beneficiary on your policy.Plus there may be additional tax savings for your future charitable gift.**

*Premiums may differ based on age, gender and health.

**Be sure to consult a tax expert based on your specific situation

5 Easy Ways To Save Money In 2021

websitebuilder@1and1.de — Thu, 04 Feb 2021 13:41:17 GMT

1. Cut The Coffee

We're not saying to get rid of your daily dosage of caffeine (We would never do such a thing!),but we do suggest using an at-home coffee maker rather than spending $4 every day on a "cup of Joe" from the drive-thru. You'd be amazed at the amount of money you could save!

2. Review Your Cell Phone Plan

When is the last time you evaluated your cellphone plan? Take a few minutes and explore other plan options from your provider to cutback on overspending You may even find it to be more cost-efficient to switch providers.

3. Reconsider A Gym Membership

The sky is the limit when it comes to free, online workout tutorials that can be completed in the comfort of your own living room or basement. Sure you may have to do some rearranging, but your pocketbook will definitely reap the benefits.

4. Shop Off-Brand Items

Shopping for generic prescriptions, food sand toiletries can significantly cut costs from your bill. Remember to compare ingredients; if you don't see a difference, why not save some money and opt for the less expensive option?

5. Dine In At Home

It's tempting to order take-out or delivery(especially during the cold, winter months). Instead, attempt to do more in-home cooking. Try a new recipe or a twist on a family favorite.

Homemade Chicken Noodle Soup

Thu, 04 Feb 2021 13:41:14 GMT

How To Make Your Own Homemade Chicken Noodle Soup

Prep Time

Prep: 5 minutes

Cook: 30 minutes

Total: 35 minutes

Servings: 12

Ingredients

2 tablespoons olive oil
1 cup carrots, peeled and sliced thin
1 cup celery, sliced thin
1 cup sweet or yellow onion, peeled and diced small
2 garlic cloves, minced
64 ounces (8 cups) low-sodium chicken broth
2 bay leaves (optional)
1 teaspoon fresh thyme or 1/2 teaspoon dried thyme
1 teaspoon pepper
12 ounces wide egg noodles
3 to 4 tablespoons fresh flat-leaf parsley leaves, finely chopped
1 tablespoon lemon juice (optional)
salt, as needed

Steps

In a large pot, add the oil and heat over medium-high.
Add in the onions, carrots, celery and sauté for about 5 minutes or until the veggies begin to soften. Be sure to stir intermittently.
Once veggies are softened, add in the garlic and sauté for another 1-2 minutes.
Add the chicken broth, thyme, oregano, pepper, bay leaves and bring to a boil. Boil gently for about 5 minutes or until vegetables are tender.
Add the noodles and boil mixture for 10 minutes, or until noodles are soft and cooked through.
Add the lemon juice, parsley, chicken and boil 1 to 2 minutes or just until chicken is warmed through.
Taste soup and make any other necessary season adjustments (add more salt, pepper, herbs, etc).
Remove the bay leaves and serve!

Storage

Soup can be kept in an airtight container in the fridge for 5-7 days. It can also be frozen for up to 6 months.

Tips

If you like brothier soup, feel free to add in more broth or a cup or two of water will help with the liquid level.
Feel free to use a rotisserie chicken to save time. Or roast or cook your own chicken in a skillet.
If you prefer other noodles, feel free to substitute those in for the noodles.
Adding in the lemon juice helps to brighten up the flavor.
Bay leaves are optional but do add to the flavor.

Family Friendly Valentine's Day Ideas

Wed, 03 Feb 2021 14:40:50 GMT

Celebrate February 14th With The Whole Family!

Valentine's Day might look a little different this year but that does not mean you still can't have fun! Check out some of these tips on how to celebrate as a family this year:

Have your kids create a Valentine's Day box and drop in little treats and messages throughout the week for them to open and read on Valentine's Day.
Send Valentine's day letters or cards to friends and family.
Have a Valentine's Day themed family breakfast with heart shaped waffles and berries.
Have a family movie day with movies such as Lady and the Tramp and Princess Bride .
Read Valentine's Day theme books.
Print off some Valentine’s Day coloring pages for the kids from Shutterfly by clicking here .
Have some fun with dinner and as a family make your own heart-shaped pizza. Click here for this fun recipe!
Don't forget dessert! Make some heart-shaped cinnamon rolls by clicking here .

Heart-Shaped Cinnamon Rolls

Mon, 01 Feb 2021 20:24:13 GMT

How To Make Your Own Heart-Shaped Cinnamon Rolls

Prep Time

Prep: 10 minutes

Cook: 13-15 minutes

Total: 25 minutes

Servings: 8

Ingredients

1 can of Pillsbury refrigerated flaky cinnamon rolls with icing

Steps

Heat oven to 350°F and spray 9-inch round cake pan with cooking spray.
Unwind each roll into long strips of dough.
Start to curl the ends of each strip in towards the center making two equal coils.
Then, pull the middle of the strip down to form a point and pinch.
Place in the pan with points toward center and bake 13 to 15 minutes or until golden brown.
Allow to cool for 5 minutes before removing to cooling rack and spread frosting over warm rolls and serve!

Heart-Shaped Pizza

Mon, 01 Feb 2021 20:24:10 GMT

How To Make Your Own Heart-Shaped Pizza

Prep Time

Prep: 20 minutes

Cook: 13-16 minutes

Total: 35 minutes

Servings: 4

Ingredients

1 can of Pillsbury refrigerated classic or thin pizza crust
1 can of pizza sauce
24 slices of pepperoni (optional)
3/4 cup shredded mozzarella cheese

Steps

If using classic crust : Heat oven to 425°F. Lightly spray or grease large cookie sheet.
If using thin crust : Heat oven to 400 F. Spray or grease 15x10-inch or larger dark or nonstick cookie sheet.
Unroll dough and cut the dough into 4 rectangles. Then place each rectangle onto the cookie sheet.
Cut a 1-inch slit in center of wide edge of each rectangle.
Then on the opposite wide edge across from slit, pinch dough together to form the point of the heart.
Next, separate each cut slit and gently press dough into a heart shape. The heart should be around 6x5-inches. Don't forget to create a slight rim on the edge of the dough.
Refrigerate the molds for about 30 minutes or until completely set. Then gently remove the molds.
Divide the pizza sauce evenly onto the hearts. Spreading the sauce within 1/2 inch of edges.
Next, top each with 6 slices pepperoni and 3 tablespoons cheese.
Lastly, its time to bake! For classic crust 13 to 16 minutes and for thin crust 9 to 13 minutes or until crust edges
are golden brown and cheese is melted. Then enjoy!

Additional Topping Suggestions

Tomatoes
Mozzarella cheese
Green Peppers
Diced Ham
Bacon Pieces
Black Olives
Pineapple Tidbits
Mushroom Slices

Tips

You can adjust the amount of toppings as you see fit.
To add a gourmet touch and try adding artichoke hearts or eggplant sprinkled with Parmesan cheese.
For a crispier crust, pre-bake the crusts for 5 minutes. Then add toppings and bake pizzas again for 7 to 9 minutes.
Have some fun and get creative with your toppings and the shape . You can cut the dough into maybe shapes for many occasions. For the holidays try making a bunny or pumpkin!

Hot Chocolate Recipe

websitebuilder@1and1.de — Tue, 26 Jan 2021 20:18:52 GMT

Recipe For The Perfect Cup Of Hot Chocolate

Prep time

Prep: 5 minutes

Cook: 10 minutes

Total: 15 minutes

Servings: 1

Ingredients

1 ounce semisweet or dark chocolate
1 tablespoon unsweetened cocoa powder
1 cup milk
2 tablespoons granulated sugar (optional, to taste)
1 pinch salt

Steps

In a small saucepan mix together the chocolate, cocoa powder and 1/2 cup of the milk over low heat. Stir continuously until the chocolate is completely melted.
Then, add the rest of the milk and the pinch of salt. Stir, then allow to heat the rest of the way through.
Stir in sugar to taste. Pour into a mug and top with marshmallows or whipped cream, if desired.

DIY Hot Chocolate Bombs

Tue, 26 Jan 2021 18:57:12 GMT

9 Steps On How To Make Hot Chocolate Bombs

Prep Time

Prep: 10 minutes

Cook: 2 minutes

Chill: 1 hour

Total: 1 hour 12 minutes

Servings: 3 bombs

Ingredients

1 cup milk chocolate chips
3 Tbsp. hot chocolate mix
3 Tbsp. mini marshmallows
chocolate mold
1/4 cup white chocolate chips (optional)

Steps

In a microwave safe bowl melt the chocolate for 15 second increments, stirring in between, until smooth.
Fill mold with just enough melted chocolate in order to spread throughout the mold creating the sphere shape of the bomb.
Refrigerate the molds for about 30 minutes or until completely set. Then gently remove the molds.
Fill 3 halves with 1 tablespoon of cocoa mix and 1 tablespoon of mini marshmallows.
Warm a plate or bowl in the microwave and press one of the empty chocolate molds against the hot plate to slightly melt the rim. Take the slightly melted mold and place over one of the filled molds.
Run a hot spoon along the seam of where the two molds meet to help make the seal.
Repeat until all chocolate bombs are built.
To decorate, melt the white chocolate chips and add the desired drizzle with a spoon or by cutting the corner of a plastic bag (optional).
Allow the hot chocolate bombs to fully set for 30 minutes in the refrigerator and store at room temperature in an airtight container until ready to serve.

Best Served

Place one hot chocolate bomb in a mug
Pour 1 1/2 cups of hot milk over the bomb
Stir and e njoy!

Add-In Suggestions

Lucky Charms Marshmallows
Crushed Candy Canes
Andes Mint Pieces
White chocolate chips
Peanut butter chips

Tips

Don’t overheat the chocolate- Keep an eye on the melting process, check about each 15 seconds.
Let chocolate sit- The key is to allow your chocolate the time to set once you have shaped the mold and once assembled.
Filling- You can add more filling depending on how big your molds are. Start off with the 1 tablespoon and see how much room you have from there.
Decorating- You can have some fun with this part and make it what you want!
Color changing- To add a little color, you can make the hot chocolate out of white chocolate and add in a few drops of food coloring to help get the desired color.

Helping Those Who Serve For Us

websitebuilder@1and1.de — Sat, 28 Nov 2020 14:24:10 GMT

Due to the COVID-19 Pandemic, GBU's Operation Reach Out program

will look a little different this year.

If you have had the chance to volunteer for Operation Reach Out packing day in the past, you know that this event is a fun day of elbow-to-elbow sorting and packing. Although we waited to make our decision in the hopes that Covid-19 would be behind us, the safety of our members and community is still at the front of our minds. This year, to keep everyone safe, we will be managing Operation Reach Out a bit differently than in the past. When we met with Operation Troop Appreciation, the Pittsburgh-based organization that we worked with last year to facilitate Operation Reach Out, we found that it was not receiving the funding it needed this year to fully support our deployed units and veterans in need. This decline in support is due to funding and grants being rerouted to focus on the Covid-19 pandemic. That's why, this year, we've decided to refocus Operation Reach Out to provide support to Operation Troop Appreciation for the next six months. It is expected that we will help nearly 7,000 deployed, active duty service members and returning veterans during this time and provide much-needed and wished for supplies for their safety and comfort.

Here's how you can help this year:

1) Send a card : Download a card to color or send a note of thanks via the Operation Reach Out website.

2) Donate : Donate top-requested items using Operation Troop Appreciation's Amazon wish list, or donate any amount to the project!

3) Volunteer: Volunteer to help on one of our designated, limited volunteer days. These days are limited to just 25 volunteers per day.

How To Designate A Charitable Organization As A Beneficiary Of Your Life Insurance Or Annuity

websitebuilder@1and1.de — Sat, 28 Nov 2020 14:24:09 GMT

Is there a charity near-and-dear to your heart?

You have the opportunity to specify the organization as a beneficiary for your life insurance or annuity policy.

Wondering how? Simply specify the charity name on your beneficiary designation form. You can choose the percentage each beneficiary will receive and can split it amongst multiple recipients. Be sure to review your beneficiary recipients once a year or every five years at minimum.

You can make updates to your beneficiaries at any time by contacting your agent or the GBU Home Office.

Support Wreaths Across America

websitebuilder@1and1.de — Sat, 28 Nov 2020 14:24:07 GMT

Honor our veterans this holiday season.

Volunteer to place wreaths at one of 1,600 cemeteries across the country on Saturday, December 19 or sponsor a wreath in honor/memory of a beloved veteran.

If you are a GBU member, your volunteer hours for this program qualify for a Making a Difference One Hour at a Time donation of $15 to Wreaths Across America for every volunteer hour (up to 10 hours).

Monthly wreath sponsor - Sponsor a wreath each month to honor our veterans.

Honor/Memory wreath sponsor - Sponsor a wreath in honor of a living veteran or in memory of one who has passed.

Give/Get wreath sponsor - Sponsor a wreath and get a beautiful wreath sent to you, for the holiday season.

Visit www.WreathsAcrossAmerica.org to find a cemetery near you or to sponsor a wreath.

High School Freshman Grant Essays: What GBU Means to Me

websitebuilder@1and1.de — Sat, 28 Nov 2020 14:24:06 GMT

The GBU High School Freshman Grant program is designed to assist eighth-grade GBU members with costs associated with their transition into the high school curriculum.

I am Alexis Mosher, an eighth-grade student at Hartland Middle School. This August I will be attending Hartland High School as a freshman. My mom was the first member of GBU in our family, she became a member in 1992. My family signed me up to be apart of the Coverdell Educational Savings Plan in 2009. GBU is ensuring a successful future of education.

I know GBU is big in volunteer work and assisting people who are in need. I have done several hours helping throughout my small community. Every Thanksgiving, my mom, dad and I deliver meals to the elderly through Meals on Wheels. Last Christmas, my friends and I helped sort food at Gleaners. When I was in kindergarten and first grade, I was apart of Girl Scouts, and we volunteered at the Howell Humane Society, Gleaners and many other organizations. Assisting others is what helps society stay together, GBU is bringing people together a day at a time.

Dance has been apart of my life since I was five years old. I attended Suzanne’s Main Street Dance Centre in Milford, Michigan, through fifth grade, then went to Gayle’s Dance Phase in Wixom, Michigan, for two years. I recently ended my studies in dance to try out new hobbies and interests I have, but dance shaped the person I am today. Dancing taught me hard work, what passion is and perseverance. It has taught me to keep working for your dreams no matter how difficult it may be. The transition from studio to studio blossomed a magnificent change in character for me as well. The switch helped me learn that change can be hard, but it is always worth it in the end.

GBU is giving me endless opportunities for my future in education. The Coverdell Education Savings Plan has helped me and my family save over $10,000 for my studies when I attend college in a few years. Thank you for letting me participate in this essay.

-Alexis Mosher

My name is Bryce Zimmermann. Before I start writing this essay, I had a lot of questions like, “what is GBU?,” “what do they do?” and “why do I need life insurance?,” but I have learned that GBU is more than just a company; it is a community.

I have also learned that GBU is a life insurance company that gives people the peace of mind that if they or someone they love were to unexpectedly pass away, the funeral expenses would be paid. GBU also means financial security for me and other members.

GBU also gives people like me a chance to get a $250 high school freshman grant to help with some of the expenses to go to a Christian high school. Other people can get a fully paid scholarship to college.

Some of the things GBU has done is Operation Reach Out, which puts together boxes of food and water and other things for soldiers overseas along with letter of appreciation. GBU has been doing this for the past five years. GBU has also given more than $250,000 to first responders during the global crisis that is Covid-19. GBU has been helping people for 128 years and it continues to grow through everything going on in the world.

My parents set up life insurance for me when I was very young. One of their friends recommended that it would be a very smart idea for them to do it.

It would be an honor to be able to get this grant from GBU since it already does so much for so many communities and people that it would be a little thing they could do for me.

-Bryce Zimmermann

Aging Well: The Gift of Memories

Thu, 19 Nov 2020 18:12:00 GMT

I had to drag a chair into the room, but I was determined to do it. It had been over a decade since I used my daughters craft box from middle school. I was on a mission and I wasn’t going to let anything stop me. There I was on my tippy toes, on a chair, reaching well passed my finger tips to grab the plastic container full of riches. Finally I had enough oomph to pull it down and place it on the floor. My eyes got a little glassy as I wiped the dust off the top with my shirt sleeve. I opened the lid and the memories triggered tears. Happy tears at that. This box was one of the staples in raising my daughter. She is still wonderfully creative and a joyful learner as an adult. But today my mission has been inspired from a much different source, the pandemic.

Realizing that Christmas with my family will be mostly celebrated via ZOOM, I felt empty. When we were children, my siblings and I would use construction paper and Elmer’s glue to make paper chains that would go around the family Christmas tree. The chain was looped all the way around the tree from top to bottom. Then, the icicles were tossed on the evergreen for the finishing touch. It was quite the project as it often took up an entire afternoon and most of the evening to put our tree up. Years that we went overboard with our scissors and paper, our mom would hang the extra chains up over the windows and in the door frames. So festive, so simple, so us. Our whole family took part in decorating the tree. When we were finished, mom would shew us to our rooms to get ready for bed. Once our jammies were on we scurried back down the stairs where the Christmas tree was lit and quiet embers in the fireplace were glowing.

The recollection spurred me on. I was fixed on making each of my siblings, and my daughter and son-in-law, a paper chain of their own. As I started to cut to colorful paper into strips my mind swirled with an outpouring of adoration. Yes, these paper chains were made with love. I made six 8ft chains, and no two were alike. For each of my brothers and sisters I wrote a special note reciting a favorite antidote from our childhood. I was delighted when the project was completed. I carefully folded each paper chain and slipped it into a deep envelope. I took them to the post office for a personal send off.

I won’t see my family in person this Christmas, but they will each have a sweet paper chain of love that will bring us closer together.

Cathy Graham is the director of Graceful Aging Wellness Center, part of Bethlen Communities, in Ligonier, Pennsylvania, and a District 3000–HRFA member. You can reach her at cgraham@bethlen.com.

Remembering Johann (Hans) Struff 1928-2020

Mon, 16 Nov 2020 15:58:50 GMT

With deep regret we inform you of the passing of former National Secretary/Treasurer Johann (Hans) G. Struff on October 28, 2020.

Never one to do things half‑heartedly, Brother Hans was an active and vibrant GBU member since 1963 when he joined District 510 in Toledo, Ohio. He held various district offices throughout his years in Toledo. Additionally, in 1966 Hans became a district representative and proceeded to become GBU’s top producer for many years.

In 1966 and 1970, he served as a National Delegate to GBU’s National Conventions. At the 1970 convention, Hans was elected Regional Vice President-South, holding that position until July 1981 when he was elected National Secretary of GBU. Then, at the 1990 convention, the offices of National Secretary and National Treasurer were combined, and Brother Struff became GBU’s first National Secretary/Treasurer.

Being a dedicated fraternalist, Hans Struff has also served the fraternal benefit system well at both the state and national levels. From 1972 to 1992, Brother Struff served with the Ohio Fraternal Congress (OFC) and the Pennsylvania Fraternal Congress (PFC) as a board member for both. Hans set a first for a GBU officer by serving as president of two different state fraternal congresses. On the national scene, beginning in 1973, he served as chairman of many National Fraternal Congress of America (NFCA) committees throughout the years. In 1988 he was elected to serve a three-year term on the

NFCA board.

Among his many accomplishments, Brother Struff was extremely proud to be one of the original founders of the famous Toledo German-American Festival Society. He was master of ceremonies at the Cleveland Octoberfest for many years and subsequently, was named Honorary Lieutenant Governor of the State of Ohio in October 1979.

In November 1990, Hans was the recipient of the prestigious Cross of the Order of Merit of the Federal Republic of Germany presented by New York City German Consulate, Dr. Leopold B. von Bredow. This decoration was in recognition of his significant contributions to the strengthening of cultural relations between the United States of America, his adopted homeland, and Germany, his birth land.

When Hans retired from GBU in 1992, he and his wife Karla took up residence in California in order to join their son Lothar and daughter Sylvia and their respective families.

Johann "Hans" G. Struff is survived by his lovely wife of 70 years Karla, their son Lothar (Solange) and daughter Sylvia (Mark) Friedman, and grandchildren Dylan, Alexander and Hayley.

We will miss Hans greatly. His friendly smile and charming personality endeared him to all who knew him, and their numbers are many. Auf Wiedersehen, our friend!

District Happenings: District 45 Altoona, Pennsylvania

Tue, 10 Nov 2020 17:42:05 GMT

The district oﬃcers would like to wish everyone a blessed Thanksgiving, a very, merry Christmas and a happy New Year. We hope everyone takes a moment to reﬂect on everything they have to be thankful for in this time of uncertainty and to celebrate the true meaning of Christmas.

Our sympathy is extended to the family and friends of Ronald Schlecht and Frances (Frankie) Kessler. Frankie was our former treasurer and district sales representative.

Upcoming District Events

We continue our GBU Cares project as we collect personal hygiene items to donate to the local shelters and the Shriners Hospital for Children. To have a donation picked up, contact Treasurer Betty Richardson (814-943-6655) or me. Motel-size or full-size bottles of shampoo, conditioner, soap, toothpaste, toothbrushes, deodorant, etc. are greatly appreciated.

The Fall Pie Sale to beneﬁt the St. Vincent De Paul Assumption Chapel Food Pantry orders were due to me by November 9. Items come in on Saturday, November 21 . We will also be collecting nonperishable food items for the Food Pantry; to have a donation picked up, contact Robin and John Kessler at the number at the end of the article.

As of the writing of this article, many of our fall events are still on hold as we wait to see how the COVID-19 guidelines for social gatherings are changed. This includes the Toys for Tots Beneﬁt Auction and the Family Christmas Party at the Unter Uns, as well as the Gift Wrapping at the Logan Valley Mall to beneﬁt the Salvation Army. Contact me for updates.

I would like to welcome into our GBU family the new members that have recently joined GBU and District 45.

District representatives are waiting to hear from you: John and Robin Kessler (814-943-4481), Mary Kessler-Adams (814-942-5362), Kay Balestino (814-687-3296), Mark Bomeisl (724-681-5244), Mary J. Brant (724-989-1773), or agents Eric, Brian or Michael Irwin (814-941-4411).

- Robin Kessler, Fraternal Secretary
814- 943-4481 or Rob1jon@atlanticbb.net

Kid's Craft: Mason Jar Cookies

Tue, 10 Nov 2020 17:30:58 GMT

Are you looking for an awesome gift for your loved ones? These Mason-jar, chocolate chip cookies are a simple and delicious treat that anyone will love to receive. All you need to make this gift is a jar and baking ingredients. The person you gift this to will then add ¾ cup butter, an egg and ¾ teaspoon vanilla extract.

Ingredients you will need

1¾ cups all-purpose flour
¾ teaspoon baking soda
¾ teaspoon salt
½ cup granulated sugar
¾ cup packed brown sugar
1½ cups (9 ounces) semi-sweet chocolate chips

Supplies you will need

Quart-size Mason jar
Ribbon
Instruction tag

To start, mix the flour, baking soda and salt in a bowl. After those are thoroughly combined, place them into the Mason jar. Pack this mixture down into an even level. Next, add the granulated sugar layer and pack it down into an even level and then add the brown sugar layer. Top off the jar with a layer of chocolate chips.

After the jar is complete, create an instruction label for the jar. You may personalize this in any way you choose but make sure it includes these instructions:
Preheat oven to 375 degrees. In a large bowl, combine ¾ cup of butter, an egg and
¾ teaspoon vanilla extract.Then, add the dry ingredients from Mason jar and mix well. Place on an ungreased baking pan and bake for 9 to 11 minutes. Allow the cookies to cool before enjoying!

Once your instruction label is complete, tie it to the jar with some decorative ribbon.

GBU Student Role Model: Dylan McCarrol

183:849361569 (Jennifer Stockdale) — Tue, 10 Nov 2020 17:23:42 GMT

If you know a GBU student who is a great role model, let us know at memberbenefits@gbu.org. They may be featured as our next GBU Student Role Model!

GBU's November/December Role Model is Dylan McCarroll, grandson of District 821 President Edith Kuplent. Dylan just started college at Michigan State University (MSU), and he has already been asked to become a member of the 2020-2021 Tower Guard Sophomore Honor Society of MSU because he is in the top five percent of the freshman class. This means, that of all of the students in his class at college, Dylan is one of the best! He's making great grades and studying hard. The Tower Guard has been around for a long time, since 1934, and is MSU’s oldest and most respected student organization. It is an organization that encourages college students to do their best and also to help serve their new college community.

Congratulations, Dylan, on your outstanding academic performance. GBU and your fellow District 821 members are very proud of you and wish you continued success in your studies.

Deck The Halls With Fresh Ideas

Mon, 09 Nov 2020 21:53:55 GMT

Pretty ideas to make your holiday merry and bright!

Glamourous Gold Tones

Using gold in your holiday décor will add subtle glamour to your table. This classic metallic pairs well with traditional crimson red and evergreen shades that will give your home a timeless holiday feeling. Feeling adventurous this year? Gold tones play well with unconventional holiday colors like purple, blue and pastel pink. Using gold will anchor any holiday color palette you create this season.

Delightful Details

Life is in the details! This is especially true if you’re creating a Christmas village in your home. Taking the time to add a special touch to your miniature world will breathe life into it. Placing a mirror underneath an ice skater to mimic a frozen pond, spreading cotton for the look of snow or adding a tiny version of your favorite store will make it that much more special this year. Look for pieces that light up like streetlamps or items that move, such as a train that circles the town. Movement and lighting create atmosphere and personality. Running low on space? Stage your town on stacked wall shelves or a bookcase, which also creates an easy view of your Christmas village.

Wintry Wreaths

Are you hesitant about a DIY project? This may be the easiest one yet. Designing your own holiday wreath is easy, cost friendly and fun! Visit your local craft store for a foam ring, artificial stems, ribbon and ornaments. Buying these items individually allows you to control the cost of the supplies, while also customizing the look and feel of your wreath. To save on the price of artificial stems, buy green tinsel to mimic the look of a full evergreen branch. Take a nature walk to collect pinecones and berries to add texture and dimension. When assembling the wreath, use garden wire or a hot glue gun to secure your pieces in place.

Muffin Tin Popovers

183:849361569 (Jennifer Stockdale) — Mon, 09 Nov 2020 21:31:10 GMT

Homemade comfort food!

Ingredients

• 3 tablespoons melted butter, divided

• 2 eggs

• 1 cup milk, warmed for 30 seconds in the microwave (milk temperature should be lukewarm to warm)

• 1 cup all-purpose flour

• 1 teaspoon kosher salt

Prep Time

Prep: 10 minutes

Cook: 40 minutes

Total time: 50 minutes Yield: 8 popovers

Steps

• Preheat the oven to 400°F.

• Using your muffin tin, coat 8 muffin cups with a tablespoon of the melted butter.

• Place the tin in the oven for 5 minutes.

• Mix eggs in a blender until light yellow.

• Add warmed milk and blend.

• Add the flour, salt and 2 tablespoons of melted butter, blending until smooth.

• Remove warmed muffin tin from oven and pour batter in cups.

• Return muffin tin to oven and bake until golden, around 35 minutes.

• Remove popovers from oven and serve warm.

Easy Recipes: Kielbasa and Pierogi Casserole

Mon, 09 Nov 2020 21:27:06 GMT

A quick and easy slow cooker recipe for those busy days!

Ingredients

• 3 (16-ounce) packages frozen cheese pierogies

• 4 cups chicken broth

• 8 ounces cream cheese

• 1 cup shredded cheddar cheese

• 3 sweet onions, sliced

• 1 pound kielbasa sausage, sliced

Prep Time

Prep: 7 minutes

Cook: 4 hours

Total time: 4 hours, 7 minutes Servings: 6 to 8

Steps

• Layer all ingredients in your slow cooker.

• Cook on high for 2 to 3 hours or on low for 4 to 6 hours.

• Serve with spicy brown mustard.

Easy Recipes: Balsamic Roast Pork Tenderloin

Mon, 09 Nov 2020 21:27:04 GMT

A special meal for when you have a little time.

Ingredients

• 4½ pounds pork tenderloin

• 4 tablespoons balsamic vinegar

• 4 tablespoons extra-virgin olive oil

• 8 cloves garlic, cracked

• coarse salt and black pepper

• 4 sprigs fresh rosemary, leaves stripped and finely chopped

• 4 sprigs fresh thyme, leaves stripped and finely chopped

Prep Time

Prep: 10 minutes

Cook: 20 minutes

Total time: 30 minutes Servings: 10

Steps

• Preheat oven to 500°F.

• Remove connective tissue off tenderloin with a thin, sharp knife.

• Place tenderloins on a nonstick cookie sheet with a rim.

• Add balsamic vinegar and rub into the meat.

• Drizzle tenderloins with extra virgin olive oil

• Cut slits into the tenderloin and add the cracked garlic cloves into the meat.

• Combine salt and pepper with rosemary and thyme then rub onto the meat.

• Roast in oven for 20 minutes.

• Remove meat from oven and let rest.

• Slice and serve.

Regional Wines for Your Holiday Season

183:849361569 (Jennifer Stockdale) — Mon, 09 Nov 2020 20:32:47 GMT

From the perfect gift to the perfect toast, here are a dozen regional wines to make your holiday season merry.

For the serious wine collector

2017 Black Russian Red

McGregor Vineyard, Dundee, NY

$80.00

A collectable, classic-made from Eastern European Saperavi and Sereksiya Charni grapes with flavors of black current, blackberry, toasty oak and smoky spice. This wine is meant to be cellared and enjoyed on a special occasion. Available at

mcgregorwinery.com

2017 Arcturos Winter Harvest Riesling

Black Star Farms, Traverse City, MI

$52.50

A luscious, late-harvest wine that drinks like an ice wine. Enjoy beautiful sweetness with a nice backbone and a honey-smooth finish. Available at blackstarfarms.com .

2017 Merlot

Mari Vineyards, Traverse City, MI

$48.00

A beautiful, cool-climate Merlot with balanced oak and tannins to accompany a truly special holiday meal. Available at

marivineyards.com .

For the perfect housewarming gift

2016 Vinter's Barrel Blend

Adams County Winery Orrtanna, PA

$32.99

A vinifera blend aged in bourbon barrels with flavors of ripe cherry and toasted nuts. Available at adamscountywinery.com .

2017 Chardonnay

North Coast Cellars Conneaut, OH

$26.00

Juicy pineapple fruit perfectly balanced with vanilla, toasty oak. Perfect to serve with a selection of cheeses. Available at bucciavineyards.com .

NV Lady of the Lakes Bubbly Moscato

Heron Hill Winery Hammondsport, NY

$14.99

A light, refreshing crowd pleaser. Perfect for after dinner or cocktail hour. Sparkling, fresh fruit flavor with a smooth, sweet finish. Available at heronhill.com .

2017 Vidal Blanc

Kavic Winery Carnegie, PA

$17.99

Bright and citrusy with a smooth, sweet finish, this wine is sure to be a crowd pleaser. Available at kavicwinery.net .

For serving with your holiday dinner

2016 Pinot Noir "Clos Mes Amis"

Harpersfield Vineyard & Winery Geneva, OH

$26.99

Light cranberry and warm, toasty oak, perfect for your holiday turkey.

Available at winesfromitaly.com .

2018 Three Note Riesling (from vines planted in 2016)

Kemmeter Wines Penn Yan, NY

$28.00

This baby Riesling has lively citrus and apple flavors balanced with the subtle minerality of its rich soil. A friendly wine with poultry and festive dishes. Available at kemmeterwines.com .

For a festive celebration

Celebre Sparkling

Dr. Konstantin Frank Wine Cellars Hammondsport, NY

$20.99

Lush peach, nectarine and apple flavors with a delicate, sweet finish. Perfect for ringing in the new year. Available at drfrankwines.com .

NV Holiday

Mt. Hope Estate

Manheim, PA

$11.95

This cozy wine has flavors of cinnamon and nutmeg spices. The perfect wine to warm in your Crock- Pot for evening sipping. Available at mounthope.estate .

NV Holiday Blush

Ferrante Winery & Ristorante Geneva, OH

$8.99

Crisp, spicy and refreshing, this wine is perfect for a laid-back holiday afternoon. Available at

ferrantewinery.com .

Keeping Our Community Spirit

Mon, 09 Nov 2020 15:58:50 GMT

This year has been a challenge for our fraternal programs, but we rose to this challenge by working to create programs, such as our Districts in Action program, that allowed us to help our local communities while staying safe and maintaining social distancing.

As you well know, the COVID-19 virus affected MANY people who became unemployed and were not able to put food on their tables. MANY members supported our Districts in Action program through which GBU and its members donated $249,902 towards first responders around the country. Amazing! Thank you GBU members. We helped thousands of people to get through this unusual and difficult time. But our work is not over. There are still a lot of families in need! That is why we will be continuing this program for next year. Keep an eye out for information from your district to find out which local organization it will be supporting for 2021.

The COVID-19 Pandemic has also caused challenges for our annual Operation Reach Out program. Last year we had more than 250 volunteers work together to organize and pack 5,000 care packages to send to our deployed service members all over the world. This year, restrictions do not allow for this type of event. We have chosen, instead to support Operation Troop Appreciation, a local Pittsburgh organization that helps both deployed service members and veterans in need. We will be providing donations and funding to help fulfill wish- list items for our men and women overseas as well as household items to help returning veterans. We will support this program from October 2020 through March 2021. You can help with this program by coloring cards to include in care packages, donating wish-list items through Amazon, making a monetary donation or volunteering for one of our monthly, small-scale volunteer events. You can find out more about this year's Operation Reach Out at GBUCares.org/Operation-Reach-Out.

We in the GBU Fraternal Department would like to wish you happy holidays. We are looking forward to great things to come in the new year as we work together to achieve our mission and help our communities grow together!

What is GBU all about and where are we headed as a fraternal organization?

Well, 128 years ago GBU was formed by German immigrants in Pittsburgh, Pennsylvania, to help them acclimate to their new environment in the United States. The new fraternal organization helped support each other through tough financial times AND enjoy social and athletic activities together. Today, this initial fraternal concept of our first National President, Louis Volz, has been expanded to so much more! Today GBU’s formal mission is to “Strengthen and protect the financial well-being of our members and help support their communities.” With those concepts in mind, I presented a three-year strategic plan to GBU’s Board of Directors which focuses our fraternal mission into three fraternal pillars;

Charitable
Education
Wellness

Beginning in 2021, all of our fraternal programs will be focused on developing programs and activities with these three pillars in mind. So, when you think GBU Life, you think Charitable, Education and Wellness. Supporting each of these three pillars are related fraternal programs that develop the strength of each pillar. For example, Operation Reach Out supports the Charitable pillar; our GBU Scholarship program supports the Education pillar and our Get Fit Clubs support our Wellness pillar. Over the next few

years, you will see many new programs be developed to support these three fraternal pillars. Beginning January 1, 2021, we are adding a new program called the Member Match program . Through this new fraternal program, GBU will match up to $100 in donations that individual GBU members make until March 31, 2021. These donations must be supportive of a 501(c)3 charitable organization which falls within the scope of our three-pillared focus.

Bringing Our Members Together

This month, we are launching our new GBU Life Member Community. This private online community just for GBU members will allow our members to communicate with each other and with GBU in order to further our fraternal mission. Through this app members will be able to stay up-to-date on all GBU news and events, access your member benefits, forms and documents and team up with districts and other members for community projects. If you have received email communications from GBU in the past, keep an eye out for your invitation to join the community. If you have not, you can request an invite and sign up at community.gbu.org .

Aging Well: Finding Your Psyche

Sun, 08 Nov 2020 20:00:15 GMT

I trust my pencil to be my magic wand. Writing is my way of expressing my true self. My thoughts and feelings easily rush to the paper, filling up the pages with the bite of a blinding snow.

Words get wedged into the corners of the paper as well as in-between the lines and up the sides. It is a release of my confused reflections of these uncertain times. It is my way of staying well and balanced while the world around me is anything but. Writing may not be your flair. Perhaps you tend to your thoughts when you are fly fishing, mowing the grass or folding laundry. It doesn’t matter how you unwind your psyche, it just matters that you do. One of the side steps of the chaos we face daily is silence. Many of us don’t know how to answer our reality so we just stay silent. We are left with a shake of the head or the shrug of our shoulders. Will the world ever find shades of peace again?

Silence weakens our resilience. It is up to each person to find a constructive non-intrusive way to talk about their feelings. Many of us have paler social connections than we did a year ago. The friends at work, the church family and even our own families are further away than we want them to be. I miss nothing more than the promise of a tight hug or a shared belly laugh. Those simple things are not easily available.

Yet, for our mental stability we have to find a way to connect with ourselves and talk ourselves through the worries. You can start to open up by reminding yourself of the joys that still surround us. Take a virtual (or physical) tour through a museum. Embark on a fact-finding mission for a place you have always wanted to visit. Google the word inspiration and do the research. If you are able-bodied then volunteer. Helping others is a direct path to feeling good on the inside. We cannot dismiss the importance of our physical and emotional health. Much like a repetitive exercise routine to stay fit, it takes mindful and thoughtful self-talk to live in peace.

Cathy Graham is the director of Graceful Aging Wellness Center, part of Bethlen Communities, in Ligonier, Pennsylvania, and a District 3000–HRFA member. You can reach her at cgraham@bethlen.com .

Did You Know? You Can Annuitize Your Annuity!

Sun, 08 Nov 2020 19:51:10 GMT

Did you know that you could receive payments through your annuity?

Annuitization is when an annuity investment is converted into a series of payments. Annuities can be annuitized for the lifetime of the annuitant or for a certain amount of time. Payments are only available to the annuitant or the annuitant and spouse. Additionally, if specified, the annuitant's beneficiaries are eligible for a portion of the annuity balance upon death.

Remember that at any point in time, even during the penalty period, you can annuitize your annuity. Receive a quote from your agent or the GBU Home Office .

Seven Easy Ways to Save Money During The Holidays

Sun, 08 Nov 2020 18:48:39 GMT

Looking for ways to avoid post-holiday debt? This year, take control of your spending with these seven tips.

1. Make A Budget (and Stick To It)

It's easy to get lost in the moment and overspend when buying the perfect gift for a loved one. But not having a budget can quickly take a toll on your pocketbook. Before your shopping trip, determine the amount of money you plan to spend for each person on your list.

As an added tip, consider placing your allotted funds into an envelope rather than using a credit or debit card. Once the envelope is empty, you know you've reached your max budget.

2. Plan Ahead and Avoid Last-Minute

Shopping

Are you a last-minute shopper? If yes, you may be overspending. Start making a list a few months in advance so you can compare price points on products. Plus, you'll avoid grabbing a gift that may be out of your price range because you're short on time.

3. Create Homemade Gifts

Have you recently started a new hobby such as knitting or needlepoint? Or maybe you've perfected your sourdough bread or pizzelle recipe? How about scrapbooking and capturing moments from the past few years? Make your your leisure-time activity into gifts for friends and family. These DIY presents may take a little extra time but they'll be much easier on the wallet.

4. Find Inexpensive Activities

The holidays don't have to be centered around spending money. There are plenty of free or inexpensive activities right at your fingertips. Take a drive around the neighborhood to admire the decorations and lights. Make hot cocoa and watch your favorite holiday movie. Go sledding in a friend's backyard. You may even establish a new tradition or two.

5. Suggest A Potluck Dinner

Preparing a meal for your aunts, uncles, nieces, nephews and maybe even a cousin twice removed can get pricey. Try suggesting a potluck meal where everyone brings something; yes, even the paper plates and plasticware. It gives everyone the opportunity to let their culinary skills shine while lessening the burden on your wallet.

If you proceed with this option, remember to keep track of who's making what. You don't want everyone to show up with a dip or dessert. You can even assign the kids to fun activities or games.

6. Use Discount Codes & Cash-Back Apps

Saving money is even easier now with mobile apps and browser extensions including Honey, SnipSnap, Dosh and Rakuten. Be sure to check these platforms before making your next purchase. Don't just limit yourself to retailers; you can also use some of these platforms to save on groceries.

7. Earn Points On Gift Cards

Many grocery stores offer perks or points on all purchases, which means you can also earn rewards when purchasing gift cards.

Give The Gift of a Solid Financial Foundation

183:849361569 (Jennifer Stockdale) — Sun, 08 Nov 2020 18:48:37 GMT

Gifts of toys, video games and sneakers may check some items off of their wish lists, but this year, why not give a gift that will last a lifetime. Take a look at two financial gift ideas that can set the children in your life up for a lifetime of success. Talk to your GBU agent today about these great gift ideas for a child you love.

Youth 3 Pay Life Insurance

If the child in your life is young and healthy, you may wonder why life insurance would be necessary. GBU's Youth 3 Pay Life insurance is permanent life insurance that can be purchased now at lower rates, but will cover the individual throughout their life. This policy also offers a Guaranteed Purchase Option rider that will ensure the ability to purchase additional coverage throughout their lives without the need for a medical exam. As they become adults, the cash value of the policy can be borrowed at a low interest rate to help with expenses such as education, a mortgage down payment or medical emergency. The child's parent or legal guardian needs to fill out the application, but funding a lifelong policy is a great way to help the child on your list to lay a solid foundation for their financial future.

Coverdell Education Savings

Higher education is certainly one of the largest expenses the child in your life will face. Establishing a Coverdell Education Savings Account can help them be able to reach their education goals after high school. Money can be added to the account over time by parents, the child and other relatives so that the account can continue to grow. Funds are available for a variety of education needs and unused funds can be rolled over to siblings or other relatives or even used for other purposes (with some tax penalties). The Coverdell Education Savings Account gives the student an established account to add savings to, such as birthday and graduation gifts as well as earnings from part-time jobs. Having funds available for higher education will set them up for future success and less lifetime debt.

Through The Looking Glass Coloring contest

websitebuilder@1and1.de — Wed, 04 Nov 2020 15:51:52 GMT

For GBU members 3 to 9 years old

GBU members/policy holders between the ages 3 to 9 can enter their colored page in this

year's contest theme: Through the Looking Glass.

Judging is from three age categories:

Category I: Ages 3 and 4

Category II: Ages 5 and 6

Category III: Ages 7, 8 and 9

Entrants may use crayons, colored pencils, markers or water paints. Entries will be

accepted through Monday, February 8, 2021. The picture on the next page can be

reproduced, or copies can be obtained by calling the Fraternal Department at the GBU

Home Office (800-765-4428). Feel free to create your own background design.

CASH PRIZES FOR EACH CATEGORY

First prize: $75

Second prize: $50

Third prize: $30

HOW TO ENTER

Send the 3- to 9-years-old GBU member's coloring contest entry with his/her name and

address on the back of the child's colored page, to:

GBU Fraternal Department

PO Box 18739

Pittsburgh, PA 15236.

or email to memberbenefits@gbu.org

GENERAL INFORMATION

Judges reserve the right to accept or reject any or all entries. Their decisions will be final.

Artwork will be handled at the GBU Home Office with the utmost care. GBU reserves the

right to reproduce entries for whatever use it wishes, provided proper credit is given.

Permission does not include the sale of such work.

Send in your child's entry today! Happy Coloring!

In Memoriam September-December 2020

Tue, 03 Nov 2020 16:40:33 GMT

A tribute to the GBU members we have lost recently.

In Memoriam September/October

In Memoriam November/December