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New Multi-Lingual Budgeting App – ‘Butterfly’ – Empowers Newcomers to Canada to Budget with Confidence

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TORONTO, Nov. 4, 2024 /CNW/ – Credit Canada, the oldest non-profit credit counselling agency in the country, is proud to announce the launch of Butterfly, a multi-lingual budgeting app for newcomers to Canada that helps build their financial confidence.

As a progressive web app, Butterfly works on any device—phone, tablet, laptop, or desktop—and offers a personalized, step-by-step budgeting experience tailored to life in Canada. Available in four languages (Hindi, Spanish, English, and French), it guides users through easy-to-follow prompts, providing practical tips, resource links, and recommendations based on their budget.

Whether you’re moving to Toronto or a small town in New Brunswick, Butterfly can provide location-based insights on typical living expenses and adjust for household size. It also addresses the unique needs of newcomers, like including a budget line for sending money home, and allows users to convert their budget into their home currency—making budgeting easier and more intuitive from the start.

“At Credit Canada, we understand how overwhelming it can be to adjust to a new country. It feels like everything is different—the culture, people, language, work environment, ways of living, and managing finances,” said Bruce Sellery, CEO of Credit Canada. “That’s why we created Butterfly—a simple, supportive tool to help newcomers feel more confident about their finances from day one. Our goal is to make budgeting as stress-free as possible so people can focus on building their new lives in Canada.”
Butterfly was developed by newcomers, for newcomers, and is available for free at budgetbutterfly.ca, thanks to the support of lead sponsor Interac Corp. (Interac).

“It is important to Interac that newcomers have access to resources that will support mindful spending and management of finances as life begins here in Canada,” said Lauren Mostowyk, Head, Integrated Marketing & Communications. “The Butterfly app is a tool every newcomer can use; we are ensuring it is free for all so they build financial confidence.” 

Key Features of Butterfly:

Butterfly has specific features to make budgeting as simple as possible and build your financial confidence. It is:

Conversational: You just answer a series of questions about income and expenses. In about 10 minutes, you have created a budget that shows if you have a surplus or deficit. And there are helpful tips and other resources along the way. Relevant: Includes expenses that are most relevant to newcomers, including sending money back home.Clear: Converts budget results to the currency of your country of origin, whether that’s pesos, yuan, rupees, euros or any of the other 180 currencies in the world.Multi-lingual:  Available in Hindi, Spanish, English and French.Stand-alone: The app doesn’t require you to link to other accounts.Customized: Provides insight on the cost of living based on where you move to in Canada, and your household size. “Based on your family size, your rent is going to be about $2,000“.

Butterfly will be promoted with the support of newcomer community organizations and online influencers like Remsaway, Para.Canada, Amit Bhatia, and Shreyti Garg to connect with newcomers where they are.

You can learn more or set up a Butterfly account at budgetbutterfly.ca.

To book an interview with Credit Canada CEO, Bruce Sellery, or Digital Strategist and Butterfly spokesperson Tanvi Chitnis, please contact Madeleine Jay at mjay@creditcanada.com or (416)716-3744.

About Credit Canada

Credit Canada is Canada’s first and longest-standing non-profit credit counselling agency. For more than 50 years, Credit Canada has been helping Canadians get out of debt and back into life through financial education and debt resolution. As a national, non-profit organization, Credit Canada has helped thousands become debt-free and achieve financial wellness.

Press kit includes speaker bios and images of the Butterfly app.

Website: www.creditcanada.com
Facebook: @creditcanada
Instagram: @creditcanada
X (Twitter): @creditcanada

SOURCE Credit Canada Debt Solutions

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Cboe Global Markets Announces Increase in Share Repurchase Authorization; Declares Fourth-Quarter 2026 Dividend

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Increases share repurchase authorization by $550 millionQuarterly cash dividend of $0.86 per share

CHICAGO, Oct. 22, 2026 /PRNewswire/ — Cboe Global Markets, Inc. (Cboe: CBOE), a leading global markets operator and pioneer in equity and index derivatives, today announced its Board of Directors has authorized the company to repurchase up to an additional $550 million of its outstanding common stock and declared a quarterly cash dividend of $0.86 per share of common stock for the fourth quarter of 2026.

The fourth-quarter 2026 dividend is payable on December 15, 2026, to stockholders of record as of November 30, 2026. 

As of June 30, 2026, the Company had $536.8 million of availability remaining under its existing share repurchase authorizations.

“Cboe’s strong cash flow and robust balance sheet give us the flexibility to continue investing in our growth priorities while returning capital to shareholders,” said Craig Donohue, Chief Executive Officer of Cboe Global Markets. “Today’s increase to our share repurchase authorization, together with our dividend announcement, reflect the Board’s confidence in our business and our commitment to delivering long-term value.”

The share repurchase program has no expiration date. The repurchase program permits the company to purchase shares through a variety of methods, including in the open market, through established trading plans, or through privately negotiated transactions, in accordance with applicable securities laws. It does not obligate the company to make any repurchases at any specific time or situation. The timing and extent to which the company repurchases its shares will depend upon, among other things, market conditions, share price, liquidity targets, regulatory requirements and other factors. Share repurchases may be commenced or suspended at any time or from time to time without prior notice.

About Cboe Global Markets
Cboe Global Markets (Cboe: CBOE) is a leading global markets operator with a long history of innovation in equity and index derivatives. Since launching the world’s first listed options exchange in 1973, Cboe has pioneered landmark products, including the introduction of S&P 500® index options and the creation of the VIX® Index, the world’s leading gauge of market volatility, reshaping how investors manage risk and access opportunity. Today, Cboe operates derivatives, equities, and FX markets, providing trading, clearing, and investment solutions for customers worldwide. To learn more, visit www.cboe.com.

Cboe Media Contacts

Cboe Analyst Contact

Angela Tu

Tim Cave

Kenneth Hill, CFA

+1-646-856-8734

+44 (0) 7593-506-719

+1-312-786-7559

atu@cboe.com 

tcave@cboe.com

khill@cboe.com 

CBOE-C
CBOE-OE

Cboe®, Cboe Global Markets®, and VIX ® are registered trademarks or service marks of Cboe Exchange, Inc and S&P 500® is a registered trademark of Standard & Poor’s Financial Services LLC. All other trademarks and service marks are the property of their respective owners. 

Cautionary Statements Regarding Forward-Looking Information

This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 that involve a number of risks and uncertainties. You can identify these statements by forward-looking words such as “may,” “might,” “should,” “expect,” “plan,” “anticipate,” “believe,” “estimate,” “predict,” “potential” or “continue,” and the negative of these terms and other comparable terminology. All statements that reflect our expectations, assumptions or projections about the future other than statements of historical fact are forward-looking statements. These forward-looking statements, which are subject to known and unknown risks, uncertainties and assumptions about us, may include projections of our future financial performance based on our growth strategies and anticipated trends in our business. These statements are only predictions based on our current expectations and projections about future events. There are important factors that could cause our actual results, level of activity, performance or achievements to differ materially from those expressed or implied by the forward-looking statements.

We operate in a very competitive and rapidly changing environment. New risks and uncertainties emerge from time to time, and it is not possible to predict all risks and uncertainties, nor can we assess the impact of all factors on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements.

Some factors that could cause actual results to differ include: the loss of our right to exclusively list and trade certain index options and futures products; economic, political and market conditions; compliance with legal and regulatory obligations; price and new products and services competition and consolidation in our industry; decreases in trading or clearing volumes, market data fees or a shift in the mix of products traded on our exchanges; legislative or regulatory changes or changes in tax regimes; our ability to protect our systems and communication networks from security vulnerabilities and breaches; our ability to attract and retain skilled management and other personnel; increasing competition by foreign and domestic entities; our business and operational dependence on and exposure to risk from third parties; factors that impact the quality and integrity of our and other applicable indices; our ability to manage our global operations, growth, and strategic acquisitions, wind downs, divestitures, or alliances effectively; increases in the cost of the products and services we use; our ability to operate our business without violating the intellectual property rights of others and the costs associated with protecting our intellectual property rights; our ability to minimize the risks, including our credit, liquidity, market, investment, counterparty, and default risks, associated with operating our clearinghouses; our ability to accommodate trading and clearing volume and transaction traffic, including significant increases, without failure or degradation of performance of our systems; misconduct by those who use our markets or our products or for whom we clear transactions; challenges to our use of open source software code; our ability to meet our compliance obligations, including managing our business interests and our regulatory responsibilities; the loss of key customers or a significant reduction in trading or clearing volumes by key customers; damage to our reputation; the ability of our compliance and risk management methods to effectively monitor and manage our risks; restrictions imposed by our debt obligations and our ability to make payments on or refinance our debt obligations; our ability to maintain an investment grade credit rating; impairment of our goodwill, long-lived assets, investments or intangible assets; the accuracy of our estimates and expectations; and litigation risks and other liabilities. More detailed information about factors that may affect our actual results to differ may be found in our filings with the SEC, including in our Annual Report on Form 10-K for the year ended December 31, 2025 and other filings made from time to time with the SEC.

We do not undertake, and we expressly disclaim, any duty to update any forward-looking statement whether as a result of new information, future events or otherwise, except as required by law. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date hereof.

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SOURCE Cboe Global Markets, Inc.

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Community Heritage Financial, Inc. Announces Adoption of Stock Repurchase Program

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MIDDLETOWN, Md., Oct. 22, 2026 /PRNewswire/ — Community Heritage Financial, Inc. (the “Company”) (OTCID: CMHF), the parent company of Middletown Valley Bank, today announced that its Board of Directors has adopted a stock repurchase program. Under the repurchase program, the Company may repurchase up to 147 thousand shares of its common stock. This amount represents approximately 5.0% of the Company’s 2.95 million shares of common stock outstanding.

The repurchase program permits shares to be repurchased from time to time on the open market, in private-negotiated transactions or otherwise. Repurchases will be made at management’s discretion at prices management considers to be attractive and in the best interests of the Company and its stockholders, subject to general market conditions, the trading price of the Company’s common stock, regulatory requirements and limitations, alternative uses for capital, the Company’s financial performance, and other factors deemed appropriate.

The repurchase program expires August 21, 2027.  The repurchase program may be suspended, terminated or modified at any time for any reason and does not obligate the Company to purchase any particular number of shares.

About Community Heritage Financial, Inc.

Community Heritage Financial, Inc. is the parent company of Middletown Valley Bank (the “Bank” or “MVB”). Middletown Valley Bank offers a full suite of personal and business banking solutions, along with residential mortgage lending through its MVB Home Loans division. At the heart of the MVB brand is a commitment to delivering Absolutely Exceptional Experiences – one customer, one community, one experience at a time. Founded in 1908 in Middletown, Maryland, MVB has grown to serve customers across Frederick, Washington, and Garrett counties in Maryland, as well as Franklin County, Pennsylvania. For more information, visit www.communityheritageinc.com or www.mvbbank.com.

Forward-Looking Statements

This press release contains forward-looking statements within the meaning of applicable securities laws.  Forward-looking statements can generally be identified by the use of forward- looking terminology such as “believes,” “expects,” “intends,” “may,” “will,” “should,” “anticipates” or similar terminology.  Such statements are subject to risks and uncertainties that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements.  Potential risks and uncertainties include, but are not limited to, changes in interest rates, stock market liquidity, deposit flows, loan demand and real estate values, as well as changes in economic, competitive, governmental, regulatory, technological and other factors which may affect the Company specifically, its existing and target market areas or the banking industry in general.  The realization or occurrence of these risks or uncertainties could cause actual results to differ materially from those addressed in the forward-looking statements.  The statements in this press release are made as of the date of this release.  The Company undertakes no obligation to update or revise any forward-looking statement, whether as a result of new information, future events or results or otherwise, except as required by law.

Community Heritage Financial, Inc. 

Robert E. Goetz, Jr. (“BJ”)
President & Chief Executive Officer
301-371-3055

John A. Scaldara, Jr.
Executive Vice President and Chief Financial Officer
301-371-3070

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SOURCE Community Heritage Financial, Inc.

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Insurance Professional Paula Miller Shares Questions to Ask Before Choosing Life Insurance in HelloNation

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The article explains how coverage needs, policy terms, premiums, exclusions, and beneficiaries can help families compare their options.

SIMI VALLEY, Calif., Oct. 22, 2026 /PRNewswire/ — What questions should you ask before choosing life insurance?

HelloNation has published an article featuring insights from Insurance Professional Paula Miller of Simi Valley, CA. The article explains how asking about coverage, costs, policy terms, and family needs can help households make informed comparisons before selecting a policy.

The HelloNation article explains that choosing life insurance begins with determining which type of policy fits a household’s goals. Term life insurance generally provides protection for a set period, while permanent policies may provide longer coverage when policy requirements are met. Understanding these differences can help narrow the available choices.

The amount of life insurance coverage is another important consideration. Income, debts, housing expenses, education plans, and dependent needs may all influence how much protection a household requires. The article notes that life insurance coverage should reflect what the policy would need to provide if the insured person died.

Coverage length should also match the household’s expected financial timeline. Term life insurance may be appropriate when protection is needed while children remain dependent, a mortgage is being paid, or retirement savings are still growing. Buyers should understand what happens when the initial term ends before selecting a policy.

The article also recommends examining life insurance premiums carefully. Age, health, coverage amount, policy type, and underwriting factors can influence cost. An insurance agent should be able to explain how these factors affect pricing and whether life insurance premiums remain level or may change over time.

Price alone, however, does not provide a complete basis for comparison. The article explains that policy exclusions, benefit terms, and coverage duration can affect the protection a policy provides. Reviewing policy exclusions before purchasing can help households understand circumstances that may limit coverage.

Beneficiaries are another important part of policy planning. Policyholders should understand how beneficiaries are named and how those selections can be changed. Marriage, divorce, births, deaths, and other significant life events may create reasons to review those decisions.

Optional policy features also deserve careful attention. Some policies include riders or other provisions designed for specific circumstances. The article recommends asking what each feature provides, what it costs, and whether it addresses a financial need relevant to the household.

The application process can affect both eligibility and final pricing. Depending on the policy, an insurer may review health information and other underwriting factors before making a final offer. An insurance agent can explain unfamiliar provisions and help applicants understand why an initial estimate may differ from final policy terms.

The article emphasizes that several factors should be evaluated together when comparing policies. Coverage amount, duration, benefits, costs, and contract terms can all affect the protection provided. Understanding these details can help families evaluate policies based on their financial responsibilities rather than monthly price alone.

Insurance needs can also change over time. Buying a home, growing a family, changing careers, or reducing debt may affect the amount or duration of protection needed. Periodically reviewing life insurance can help determine whether existing protection still reflects a household’s circumstances.

What Questions Should You Ask Before Choosing Life Insurance? features insights from Paula Miller, Insurance Professional of Simi Valley, CA, in HelloNation.

About HelloNation
HelloNation is America’s Good News Network, a premier media platform built on the idea that good news travels faster when real people tell real stories. Through its community-focused publications and innovative “edvertising” approach, HelloNation delivers content that informs, inspires, and spotlights the leaders making a meaningful impact in their communities.

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SOURCE HelloNation

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