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18Dec/20

3 Ways to fund the advancement of female leaders

first_img 89SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Shazia Manus At AdvantEdge Analtyics, Shazia Manus applies a futurist view to the field of analytics, helping credit unions discover new possibilities for exceptional member experiences. Prior to joining CUNA Mutual Group … Web: advantedgeanalytics.com Details Three practical methods for injecting financial support into the lives of promising young women across the globe are scholarship, microfinance and equal pay. Each of these approaches is already helping advance female leaders to deserving success. With more involvement from the credit union movement, this advancement will continue – both here in the U.S. and globally.ScholarshipFinancial assistance not only helps a deserving female get to college; it can also help young women pursue a career in law, medicine or other advanced-degree professions they may not otherwise be able to afford. What’s more, scholarships awarded to women present a better return on investment, as women are more likely than men to complete college and attend graduate school. Without the burden of student loans, these women can more readily leverage the income generated by higher-level careers to help finance the next generation of college graduates.For many young women, scholarships represent more than money. As one young woman studying to be a nurse explained, they also build confidence and a sense of community responsibility: “It wasn’t just the financial help; their support gave me hope, knowing there were people I didn’t know who believed in me, and I wasn’t going to let them down.”What credit union leaders can do: Explore ways to develop or support scholarship programs for up-and-coming female leaders, social entrepreneurs and others who have the potential to reshape their corners of the world.MicrofinanceMicrofinance is a word used to describe broad financial services for entrepreneurs and others lacking access to traditional credit and other banking services. Microcredit is among these services, and with loans as low as $125, it has proven to be life changing in many parts of the world.The beauty of microfinance is the beneficiary decides how to put the funds to the most impactful use. The Women’s Microfinance Initiative (WMI) explains it best: “While third-party institutional aid programs that try to dictate development in emerging nations from the top down have historically failed, microfinance has the promise of promoting in-country development from the bottom up. The key is focusing on improving the capacity of motivated local populations – the very people who are most vested in promoting long-term, lasting economic improvements in their families, communities and countries.”What credit union leaders can do: Look for opportunities to invest in credit union development and microfinance institutions (MFIs). Such an investment may be an altruistic effort aimed at empowering more women; it may also provide a financial return.Equal pay When women earn more, they are empowered to save more. As Sallie Krawcheck, formerMerrill Lynch and Smith Barney CEO and current chair of Ellevate Network, has said, “The retirement savings crisis is also a woman’s crisis.”Today, women retire with two-thirds the savings of men, yet they live six to eight years longer. Naturally, this leads to higher medical costs during a time of their life when 80 percent of women are single. “And it may actually be getting worse,” writes Krawcheck. “Because retirement savings tend to be driven by lifetime wages, we may be moving in the wrong direction, as women’s labor force participation declines.”What credit union can do: Conduct regular salary audits to proactively monitor and solve any gender-based pay differences that may exist within your organizations.ConclusionAnne Sweeney, co-chair of Disney Media Networks and president of Disney-ABC Television Group, said, “The smartest thing you can ever do is to constantly ask questions.” Ask what role you and your organization can play in the formation of scholarship, microfinance and equal pay initiatives. But don’t stop there. Allow your curiosity free reign. Ask yourself what you – an ambitious individual full of your own potential – need and then strive to meet that need for others. The results will be cumulative, and more women in the credit union movement will achieve their dreams, ultimately improving the financial lives of more people around the world.This article is an excerpt from a white paper co-authored by Shazia Manus, CEO of TMG (The Members Group) and Calyn Ostrowski, Worldwide Foundation Executive Director, World Council of Credit Unions. The full paper can be found here. last_img read more

20Sep/20

Publix Returning to Regular Hours, Ending Reserved Shopping Times

first_imgPublix announced Thursday that it is expanding its store hours, after operating on a reduced schedule due to the COVID-19 pandemic.Beginning Saturday, May 16, stores will be open daily from 7 a.m. to 9 p.m.The company is also suspending its reserved shopping hours, according to its website.We’re expanding our store hours. Starting Saturday, May 16, Publix stores will open daily from 7 a.m. to 9 p.m., and the pharmacy will return to regular operating hours. Learn more: https://t.co/Q4ZbAA0jI8 pic.twitter.com/pC3sl57SeN— Publix (@Publix) May 14, 2020 In addition, Publix pharmacies are also returning to their regular operating hours.“Thank you for your patience over the past several weeks while we’ve operated under reduced hours,” the company said in a statement.It adds, “We do understand some customers prefer to shop when the stores are less crowded. We encourage you to shop during the first hour of the day, when we can better accommodate that need.”last_img read more

18Sep/20

The Latest: USA Luge to look for recruits only in New York

first_imgThe decision comes despite an uptick in in the number of confirmed coronavirus cases in the country. Daily infections have jumped to more than 1,000 since Aug. 4 to reach levels previously recorded in June.___The Minnesota Vikings will play at least their first two home games without fans in attendance.With current Minnesota Department of Health guidelines specifying an indoor venue capacity of 250 people, officials from the Vikings, the state, U.S. Bank Stadium, the NFL and the city of Minneapolis were unable to establish a prudent way to open the gates to the public for now.The Vikings will host Green Bay on Sept. 13 and Tennessee on Sept. 27 with the 66,000 seats empty. Over the ensuing five weeks, Minnesota plays at home only once, on Oct. 18 against Atlanta. August 25, 2020 In a statement, the Vikings said: “We have sought to balance the opportunity to provide fan access with the responsibility to adhere to public health and medical guidance in order to maintain the health and safety of fans, players, staff members and the broader community. Ultimately, public health is our top priority.”NFC North rivals Green Bay and Detroit have announced their first two home games will be played without fans. Chicago also will start the season without spectators but has not specified for how many games.___Tennessee will be selling tickets for approximately 25% of the seats at Neyland Stadium for this season.The stadium has a capacity of 102,455, counting everybody in the building, which could mean around 25,000 fans ___The Buffalo Bills will play their first two home games without fans present, while not ruling out the possibility of allowing some into the stadium before season’s end.The Bills announced the decision on their Twitter account Tuesday following discussions with state and county health officials. The team said it is still attempting to establish policies and procedures “that hopefully permit fans later this season.”State guidelines remain unchanged since June, when New York approved the resumption of pro sports but without spectators present.The Bills have offered season ticket holders the option of refunds or pushing that money to next year. Those who keep money in their account would be eligible to be included in a lottery should fans be allowed. ___Vanderbilt is getting its top tackler back after Dimitri Moore changed his mind about opting out of this season.Moore posted on Instagram on Tuesday that he decided to opt out of the upcoming season after his grandfather died of COVID-19. The senior from Cedar Hill, Texas, wrote that he has done more research and talked with doctors and medical personnel since that decision. Moore says he is returning to the Vanderbilt football program, a decision he made on his own.The linebacker says he trusts and has confidence in Vanderbilt’s testing abilities and safety protocols.Vanderbilt canceled football practice last Friday and has yet to return after what the university called “a small number” of positive COVID-19 test results in the program. The football players who tested positive were put in isolation. ___Masks will be required on Oklahoma’s campus on football game days and tailgating will be prohibited during the football season in response to the COVID-19 pandemic.The school made the announcements in a news release on Tuesday.The mask requirement includes all campus buildings and outdoor areas, athletics facilities, parking areas, outside the stadium, gate entry, concourse, stadium seating bowl and the club/loge areas. The masks may be removed temporarily for eating and drinking while in the stadium seating bowl, or in common areas of clubs, suites and loges.Although the school has no authority over off-campus tailgates, it encourages people to wear face masks in public and to avoid congregating in large groups that impede social distancing. ___USA Diving has announced it will hold next year’s Olympic Team Trial s from June 6-13 in Indianapolis.The trials were initially set for June 14-21, 2020 in Indy but were rescheduled when the Tokyo Olympics were postponed by the COVID-19 pandemic.The Indiana University Natatorium has hosted the Olympic Trials six times since 1984, most recently in 2016. USA Diving headquarters also are located in Indy.A full competition schedule can be found on USA Diving’s website. The Latest: USA Luge to look for recruits only in New York This year’s schedule featuring sleds on wheels started later than usual as a result of the coronavirus pandemic. The next clinic is on tap for this Sunday in Lake Placid for boys and girls ages 9 to 13. Sessions are limited to 10 youngsters to accommodate social distancing rules and face masks are mandatory. All sleds, helmets and registration items will be disinfected after each use.Other stops are set for Sept. 12 in Utica, Sept. 13 in Glens Falls, Sept. 26-27 in metro New York City, and Oct. 4 back in Lake Placid. At all locations the organization will deploy new cleaning and sanitizing protocols to keep participants safe. The original schedule had clinics scheduled in Duluth, Minnesota, and Columbus, Ohio.___ ___North Carolina says the rest of its winter and spring sports teams may resume activities Wednesday after a recent pause amid the coronavirus pandemic.The school announced over the weekend that football, men’s and women’s basketball, and other fall sports were cleared to resume workouts as of Sunday. But they said all other sports remained on hold for the time being.The school lifted that hold Tuesday afternoon.Last week the school had paused activities amid rising numbers of coronavirus cases on campus, including in student housing and a fraternity. Those cases had led the school to cancel in-person undergraduate classes in favor of remote instruction. The Volunteers’ first home game is Oct. 3 against Missouri and university officials say restrictions could change during the season based on statewide virus data and recommendations from public health officials. Tennessee asked fans statewide to wear masks in public.Athletic director Phillip Fulmer says he empathizes with the thousands of fans who won’t get to go to games in Neyland this fall. Fulmer says the circumstances are beyond the control of Tennessee officials and they will do their best to create the safest environment both inside and outside the stadium.Current students and active donors to the Tennessee Fund with season tickets get top priority for tickets and season tickets will be offered based on annual amount given and the order to the Tennessee Fund.The original prices for season tickets will not change with Tennessee set to host five Southeastern Conference opponents for the first time since 1959.Students can start requesting tickets issued on a game-by-game basis Sept. 23. Share This StoryFacebookTwitteremailPrintLinkedinRedditThe Latest on the effects of the coronavirus outbreak on sports around the world:___USA Luge has changed plans and is restricting its slider search strictly to New York state. Buffalo opens the season on Sept. 13 hosting the New York Jets, and then hosts the Los Angeles Rams two weeks later.The announcement comes a day after Bills coach Sean McDermott described the lack of league-wide uniformity regarding the presence of spectators at NFL games as being “ridiculous” after AFC East rival Miami announced it would allow up to 13,000 fans into its stadium.___The San Francisco 49ers will play their season opener without fans in attendance because of the COVID-19 pandemic.The team said Tuesday after consulting with local officials that the Sept. 13 game against Arizona at Levi’s Stadium will be played without spectators. Associated Press The team said it would work with state and county officials to determine whether it will be safe to allow fans to attend games later this season.___The Turkish soccer federation says a limited number of spectators will be allowed into stadiums to watch games as of October as it relaxes coronavirus restrictions.The federation says stadiums around the country would operate at a maximum of 30% capacity.The spectators would have their temperatures taken before being admitted. They would be required to wear masks and keep to social distancing rules. Purdue has announced football coach Jeff Brhom, basketball coaches Matt Painter and Sharon Versyp and athletic director Mike Bobinski have voluntarily taken a 20% pay cut and agreed to give up money from incentives, effective Sept. 1.Athletic department officials are projecting they could face a budget shortfall in excess of $50 million.As a result, the Boilermakers other head coaches and assistant coaches will voluntarily take 15% pay cuts, while other staff members are facing reductions in force, reduced work schedules, furloughs or salary cuts ranging from 5% to 50%.In addition to the salary cuts, Brohm, Painter, Versyp and Bobinski have agreed to donate $1 million to the school’s More Than A Game on Sept. 9 as part of the school’s day of giving campaign.Purdue is one of the few in the Football Bowl Subdivision that does not receive money from taxpayers, the school’s general fund or student fees and it is trying to make up at least some of the projected losses through donations. ___More AP sports: https://apnews.com/apf-sports and https://twitter.com/AP_Sportslast_img read more

31Aug/20

Pending New “Public Charge” Immigration Rule Blocked by Federal Courts

first_imgWASHINGTON, D.C. – In sweeping decisions, last Friday Federal Courts in New York, California and Washington all issued last-minute temporary injunctions to stop the Trump administration’s “public charge” rule, preventing it from taking effect on October 15 as originally planned.Had the controversial rule been allowed to take effect, the new policy would have made it more difficult for immigrants to get green cards by allowing U.S. immigration officials to unilaterally decide whether or not an immigrant will use public benefits including medical and healthcare assistance in the future.What Inadmissibility on Public Charge meansCalled “Inadmissibility on Public Charge Grounds,” the rule expanded the types of prohibited public aid, including cash assistance, Supplemental Security Income (SSI), Temporary Assistance for Needy Families (TANF), state and local cash assistance and long-term medical care at government expense,  “non-cash” benefits, such as Supplemental Nutrition Assistance Program (known as food stamps), Section 8 housing and rental assistance, Medicare Part D prescription drug benefits, and Medicaid in non-emergency situations. The strict policy further required immigrants to provide extensive information and documentation, including those regarding finances, assets, savings, debts, and credit scores among others. The rule granted broad discretion to immigration officials to weigh a wide variety of “negative factors,” including the applicants’ age (specifically if an applicant is under 18 or over 61), health, education, work skills, income and family status, in order to deny their applications for residency (green cards).Forms removed from USCIS websiteAs a result of these temporary court orders, USCIS immigration forms which were specifically revised to implement the new public charge rule have been removed from the USCIS website, including the updated Form I-485 application for residency, Form I-129 and the new form specifically created for immigrants to complete to provide information about income, assets and credit, called Form I-944, Declaration of Self-sufficiency.Efforts to limit immigration to the USThis latest rule is just one in a series of efforts by the White House to limit both legal and illegal immigration to the U.S. President Trump recently signed a proclamation barring the entry of legal immigrants who cannot prove they will have healthcare coverage or the means to pay for it within 30 days of their arrival in the U.S. This latter rule is set to take effect on November 1st. Under this proclamation,  entitled: Presidential Proclamation on the Suspension of Entry of Immigrants Who Will Financially Burden the United States Healthcare System, only immigrants who can show they can pay for “reasonably foreseeable medical costs” or are already covered by approved health insurance would be allowed to enter the U.S. As yet, no guidelines have been released by the administration which outline the proof necessary to meet the requirements and to date, no federal lawsuits have been filed to stop implementation of the terms of the proclamation, although challenges may be filed at the last moment!Caution: Halt of public charge isn’t permanentIt’s important to note the halt of the public charge rule is not permanent, and the Trump administration has the option of appealing the temporary injunctions while the lawsuits continue through the regular process in the state courts.The Supreme Court may ultimately grant a review of the issue and with a five to four conservative majority, may well rule in Trump’s favor. As a result, early filings for residency under the current more liberal policies would still be advisable.last_img read more