Dear Premier Club Members,As a member-owned financial cooperative, your opinions matter

and hearing from you is paramount for our - short and long - range

planning. Premier Club is YOUR club, and was designed with your needs

in mind, so I would like to hear from you! You’re invited to participate

in a short, online survey at: www.kitsapcu.org/premierclubsurvey. You

can to access the survey July 1st through July 17th. This will provide

you the opportunity to share what you like most

about Premier Club, and let us explore ways

we may enhance your member experience.

Thank you, in advance, for taking the time

to complete our survey. I look forward to

hearing from you!

I hope you enjoy your summer and have a

wonderful Independence Day!

Until next time,

Cathy Brorson, Premier Club Director Kitsap Credit Union

(360) 662-2153 cbrorson@kitsapcu.org

Step Carefully: Covering Digital Footprints Is Key To Web PrivacyThe fallout from not understanding Web privacy issues, and not doing anything about digital footprints left on the Web can be damaging, if not catastrophic.

How do you leave footprints?

You can leave digital footprints virtually everywhere you visit on the Web. Each time you click on an ad, visit a social networking site, enter a credit card number for a purchase, or simply perform a search using Google or Yahoo, you are leaving behind information on your wants, needs, interests, and financial lives.

Here’s how to remove your digital footprint:

• Leave your name out of search terms. Don’t search for your name or any of your personal information. If you have to conduct your own name search, do so using a different computer than the one you normally use.

• Ignore your ISP. A lot of people rely on their internet service provider (ISP) to run search engine tasks. Don’t do it because your ISP knows your search history.

• Try “Browzar.” A search engine called Browzar (browzar.com) acts as an online vacuum cleaner that removes Internet caches, histories, cookies, and online auto forms.

Eliminating your Web footprint online is a necessity. The good news is, that with a few steps, you can wipe away your digital footprint and scare away online predators in the process.

PremierClubQ UA R T E R LY

A publication of Kitsap Credit Union July, August, September 2015P.O. Box 990, Bremerton, WA 98337 • (360) 662-2000 • (800) 422-5852 • kitsapcu.org

FREE Dinner And A Movie! Want to get away but not sure where to go? Grab your

friends and join us for our next Travel Night event!

We’ve scheduled a special evening so you can preview

some exciting adventures. If you’re hungry for exotic

adventure, stateside attractions, a bit of history, or

just an entertaining getaway, your Premier Club,

in partnership with Collette, has exciting new trips

scheduled in 2015-2016!

Join us on, Thursday, August 6th, to learn about our

upcoming trips, view the spectacular destinations,

and receive day-by-day itineraries of each trip. Our

representative from Collette will be on hand to answer

questions and provide detailed information about

each destination. A light dinner will be served. For your

convenience, we will meet at 6:00 p.m. Please call Cathy

at (360) 662-2153 to register. We will highlight the

following trips:

• Spectacular South Africa: Culture & Nature In Harmony February 4 - 17, 2016

Withoptional3-nightVictoriaFallsPostTour Extension,and/orwithoptional3-NightDubaiPre- TourExtension

• Italian Vistas March 7 - 9, 2016

• Northern National Parks July 29 - August 5, 2016

• Spirit of the Emerald Isle September 24 - October 5, 2016

Retirement can creep up on you. Suddenly you’re scrambling to get everything done. Even if you have saved enough money, there are other details that need to be attended to before you can retire comfortably.

Herearesometipstokeepyouontrack:

Give Yourself Time:

Even if your retirement is hastier than you’d planned, some things simply take time, so identify those and plan accordingly.

For instance, to sign up for Medicare, part B takes a minimum of five weeks for enrollment, and if you don’t sign up in time, you could end up paying as much as $800 for a month of COBRA until Medicare kicks in.

Consider The Intangibles:

There are personal and family characteristics that contribute to or impede successful planning.

As to roles, note how the process works if it’s a single individual or a couple. If a couple, who’s in charge? Are there other family considerations—children, blended family, extended family responsibilities?

If a couple, do you communicate well? Is one person anxiety-prone? This can actually be converted into a performance-driver if recognized and harnessed.

Identify your strengths and weaknesses, and make the process work with what each person brings to it.

Get The Right Adviser:

Get to know the values and style that a particular adviser offers, and see how well they mesh with your needs. Are your risk tolerances seriously different?

A good financial adviser is a third party that helps you make rational, practical decisions. Choosing a financial adviser that you and your spouse relate to will liberate you to enjoy your retirement time in other ways.

For more information, stop in to visit with your Investment Services representatives at Kitsap Credit Union.

What To Do When Retirement Sneaks Up On You

Re-retirees: Avoid Five Real Estate Mistakes1. Downsizing—Don’t wait to downsize until your last child is out of college

unless you really want to spend another eight to 10 years in a larger house.

2. Spending the windfall—Carefully consider what you will do with the money you get out of downsizing. You might be able to live on it and let Social Security benefits increase.

3. Moving without inspecting—Find out about taxes, cost of living, access to activities, and health care options before you move.

4. Maintaining two households—Make sure you can afford the time and cost of payments, taxes, maintenance, and so forth before you plan to live in two locations.

5. Holding a mortgage in retirement—Weigh the advantages and disadvantages of paying off your mortgage before retirement.

Smart Driver’s ClassesAARP

July 7 and 8 • August 11 and 12September 8 and 9

Trips, Tours & ActivitiesALL Collettetripsincluderoundtripairfareto/fromSeattle,hoteltransfers,hotelaccommodations,manymeals,airtaxesandsurcharges(subjecttoincreaseuntilpaidinfull),andyourcancellationandwaiverinsurance,asnotedintheindividualtripitineraries.

Extended Trips & Tours to Oudtshoorn, tour an ostrich farm, and if you wish, go for a ride on one of these great birds!! You’ll also learn from an aloe-tapping demonstration, stroll in the indigenous gardens, and taste Spier’s delicious reserve wines.

Other highlights of this tour include Stellenbosch, a wine and chocolate tasting, Cape Town, a thrilling cable car ride, and Table Mountain. The views of Cape Town, Robben Island, and Lion’s Head will leave you breathless! Also enjoy stops at the Malay Quarter and the Milnerton Lighthouse, Cape Peninsula, Cape Point and penguins at Boulder’s Beach. Explore the Kirstenbosch Botanical Gardens, try the Djembe Drums, and participate in a soothing hand washing ceremony before a traditional African dinner tops off this one-of-a-kind trip!

Italian VistasMarch 7 – 19, 2016 (BookbySeptember14,2015andsave$200perperson) Cost: $4,949 per person, double occupancy

Ciao, Italy! Come enjoy all that Italy has to offer! Highlights of this enchanting tour include Classical Rome, the Piazza Venezia, the Roman Forum, the Circus Maximus, and the Arch of Constantine, the Colosseum, the catacombs–the mythic Pantheon, and the Piazza Navona. Optional trips to the Vatican City, Vatican Museums and St. Peter’s Basilica are also available. Journey to the Bay of Naples, the ruins of Pompeii, and Sorrento. A scenic boat ride ends at the Isle of Capri, Anacapri, and the world-famous piazzetta. Explore the chic boutiques, lush vegetation, and outdoor cafes. Then it’s on to Tuscany, Florence, the Academy Gallery, and see Michaelangelo’s magnificent sculpture of David. See the Piazza del Duomo, the Cathedral of Santa Maria del Fiore, the Piazza della Signoria and Palazzo Vecchio, and the famous Gates of Paradise on the Baptistery of St. John. Visit the ancient maritime Republic of Pisa and the famous Leaning Tower. Stop at a Tuscan winery and farm, sample various wines, and cross the Apennine Mountains en route to Venice where 117 islands are connected by latticework of 150 canals and 400 bridges. Board a boat for Murano Island, for a glass-blowing demonstration then head to St. Mark’s Square, the Basilica, Doge’s Palace, and the legendary Bridge of Sighs. In the

Spectacular South Africa: Culture & Nature In HarmonyWithoptional3-nightDubaiPre-TourExtension,and/oranoptional3-nightVictoriaFallsPost-TourExtensionFebruary 4 – 17, 2016 (BookbyAugust5,2015andsave$300perperson) Cost: $5,299 per person, double occupancy

Immerse yourself in the culture and nature of South Africa! This unforgettable journey begins in Sandton, a bustling cosmopolitan center of greater Johannesburg. Highlights of this tour include a guided tour of Soweto, South-West-Township, the Hector Pieterson Museum, and lunch with the locals at a nearby Shebeen or house tavern. Then it’s off to Liliesleaf, the spectacular Drakensberg Mountain Range, and Kruger National Park, the largest game reserve in South Africa. View the Blyde River Canyon, the Three Rondovals, and enjoy a traditional BOMA dinner. Adventure awaits on a full-day, open-air vehicle game drive! View elephant, buffalo, lion, leopard, rhino, impalas, zebras, and giraffes! Next, fly to George and the picturesque resort town of Knysna. Visit the Featherbed Nature Reserve, enjoy a lagoon cruise, the Knysna Heads, and then board your 4x4 vehicle and head into the Forrest! Enjoy lunch amongst the ancient milk wood trees, and then cruise home. Visit Plettenberg Bay, the beaches, dramatic rock formations and lagoons. Travel

resort town of Stresa, enjoy the breathtaking Italian Lakes District. Cross into Switzerland and the lakeside resort of Locarno for some excellent shopping and charming cafe’s. Then boat to Isola dei Pescatori for a farewell dinner while surrounded by beautiful scenery. Don’t miss this exquisite trip!

Northern National Parks July 29 – August 5, 2016 (BookbeforeJanuary29,2016andsave$100perperson) Cost: $2,554, per person, double occupancy

If you’re new to traveling, this is a very relaxing, beautiful trip that you can experience – and still be close to home. Your tour highlights some of America’s most spectacular natural treasures and visits the states of Utah and Wyoming. Enjoy two nights in the Wasatch and Oquirrh mountains in the “City of the Saints”, Salt Lake City. Salt Lake holds all the attractions of a big city along with the scenic splendor of the Wild West. On a comprehensive tour, visit the capitol building, charming residential district, and the Great Salt Lake. Travel north into the rugged splendor of Wyoming to the cowboy town of Jackson Hole for the next few days. This is often referred to as the “Crown Jewel” of the Northern Rockies, where many favorite western movies were filmed. You’ll enjoy a delightful day in the incomparable Yellowstone National Park. Yellowstone is the oldest national park in the world, and sprawls 3,470 square miles, touching three western states. Here you’ll see it all: geysers, hot springs, incredible wildlife, and of course, Old Faithful. Its fountain of steam shoots more than 60 feet in the air. There is plenty of free time built into this tour, allowing you time to go shopping, canoeing, hiking, river rafting, or whatever you like. You’ll get some real cowboy entertainment at the Bar J Chuckwagon too! En route to the Grand Teton National Park, you’ll visit the National Museum of Wildlife Art, and then it’s off to see the awe-inspiring Teton mountain range. This features the youngest peaks in the Rockies, but contains some of America’s oldest rock formations. Twelve peaks rise above

12,000 feet and support a dozen mountain glaciers. The Grand Teton reaches an impressive 13,770 feet as it towers over the peaceful valley of Jackson Hole. Then it’s off to Park City, home of the 2002 Winter Olympic Games. Visit Utah Olympic Park and then Main Street–lined with over 64 historic buildings, charming shops, galleries, and boutiques. Join us to make some wonderful memories in the Wild West!

Spirit Of The Emerald Isle September 24 – October 5, 2016 (BookbeforeMarch25,2016andsave$200perperson) Cost: 4,259 per person, double occupancy

Savor Ireland’s natural beauty, rich history, and hospitable culture on your journey through Dublin, Kinsale, and Galway. Your tour begins with a fun-filled, Irish evening and traditional entertainment in Dublin. Then, you can opt to set out with a local guide to see St. Patrick’s Cathedral, St. Stephen’s Green, Grafton Street, and the historic Pheonix Park, or you may choose a walking tour of the city’s historic center with O’Connell Street, the General Post Office, and the River Liffey. You will journey into the beautiful Curragh region, well-known for horse breeding and training. Stop at the Irish National Stud and learn about the “Sport of Kings”. Stroll through the Japanese gardens, the finest in Europe, behold the historic Rock of Cashel, and discover the charming town of Kinsale. It is full of spectacular restaurants, art galleries, and is the culinary capital of Ireland.

Next, you’ll set out for Galway, the “City of the Tribes”, Cnoc Suian, a restored 17th century Connemara hill village, and marvel at the bogland, and learn a Ceili (traditional folk dance). Then, visit Kylemore Abbey, home to the oldest Benedictine nuns in Ireland, and see their beautiful gardens. Westport is filled with antique pubs and colorful shops. You’ll stop in the historic town of Athlone, an important crossroads on the legendary river Shannon. Then it’s off to enjoy a traditional Irish whiskey tasting and a celebration of your Irish adventure at one of Dublin’s oldest pubs! Don’t miss this incredible adventure!