While flood insurance is not mandatory for homeowners outside of a high-risk area, anyone can be financially vulnerable to floods. People outside of high-risk areas file more than 25% of NFIP claims and receive one-third of disaster assistance for flooding. Residential and commercial property owners who are not located in high-risk areas should ask their agents if they are eligible for the Preferred Risk Policy, which provides affordable flood insurance protection, starting as low as $129 a year. ****Read More; Additional Facts About the National Flood Insurance Program (Pt. 3):
Credit Unions: The Original Social Network Long before likes, follows, shares, and friend requests, people built networks another way: They showed up for each other. That’s essentially how credit unions began. Not as financial corporations, but as human networks built on trust, shared experiences, and mutual support. In many ways, credit unions were the first true social networks. Before Technology Connected People, Communities Did Today’s social platforms promise connection. They help people share ideas, ask questions, organize communities, and support causes. But more than a century ago, credit unions were already doing something remarkably similar — only in person and with real financial stakes involved. Teachers gathered with teachers. Factory workers organized with coworkers. Church members helped fellow congregants. Military personnel supported military families. Firefighters stood beside fellow first responders. Police officers supported the communities and d...
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