Boy Scout Troop 32 will host pancake breakfast June 30 at the American Legion Post 524. (Photos courtesy Doug Otto) Submitted By Doug OttoOcean City Scouts USA Troop 32 will host a pancake breakfast on Sunday June 30th from 8:30 a.m. to noon at the American Legion Post 524 located at 46th Street and West Avenue.Proceeds will be used to purchase camping equipment and supplies, including two new tents.The all-you-can-eat menu includes pancakes, sausages, coffee, tea, orange juice and milk. The cost for adults is $9, while children will be charged $5. For more information, contact Crystal Erney at 609-335-3598 or via email at [email protected],net.Proceeds will go to new camping equipment.Troop 32 was chartered in1964 and offers a year-round adventure-based program designed to encourage effective character, citizenship, and fitness training for youth ages 11-18.Scout meetings are held Tuesday at 7 p.m. at First Presbyterian Church at 701 Wesley Ave.“The Scouts BSA program is one of the nation’s largest and most prominent values-based youth development organizations,” said Scoutmaster Dean Mitzel. “For more than a century, the Scouts has helped build the future leaders of this country by combining educational activities and lifelong values with fun.”
Gleeson Bessent Trustee Services (GBTS) and Gleeson Bessent Trustees (GBT), based in Preston, were wound up in the public interest by the courts in March 2017.Investigations by the Insolvency Service into the conduct of the directors has led to the four directors giving disqualification undertakings totaling 21 years , which means they cannot run a company directly or on behalf of someone else.Roger Bessent, of Lytham St Annes, and Tracy Park, of Freckleton, were directors of GTBS, while Roger Bessent, Matthew Bessent, of Preston, and Neil O’Donnell, of Poulton-le-Fylde, were all directors of GBT.GBTS provided pension trustee and administration services to numerous occupational pension schemes and GBT was the trustee of three of those schemes.In their undertakings, the four former directors accepted they failed to ensure GBTS and GBT properly performed their roles as a Trustee of the pension schemes and as a result, member’s funds were exposed to greater levels of risk than that specified in standard guidance issued by The Pensions Regulator (TPR).The former directors accepted six instances of unfit behaviour, including failing to comply with pension legislation and TPR guidance on what is expected of Trustees, as well as operating with a lack of transparency designed to persuade or encourage the public, who were not sophisticated investors, to transfer pension funds into pension schemes which relied on high risk investments.With bans effective since last November, Roger Bessent is disqualified for 9 years, Tracy Park for 5 years and Neil O’Donnell for 3-and-a-half years.And more recently, Matthew Bessent was disqualified for 3-and-a-half years effective from 27 June 2018.Scott Crighton, Group Leader from the Insolvency Service, said: Notes to editorsGleeson Bessent Trustee Services Ltd (CRO: 07235880) was incorporated in April 2010 and Gleeson Bessent Trustees Ltd (CRO: 08207804) was incorporated in September 2012.In giving their disqualification undertakings, Roger Bessent, Tracy Park, Matthew Bessent and Neil O’Donnell did not dispute that: act as a director of a company take part, directly or indirectly, in the promotion, formation or management of a company or limited liability partnership be a receiver of a company’s property You can also follow the Insolvency Service on: Media Manager 0303 003 1743 This service is for journalists only. For any other queries, please contact the Insolvency Enquiry Line.For all media enquiries outside normal working hours, please contact the Department for Business, Energy and Industrial Strategy Press Office on 020 7215 1000. Twitter For further details on Matthew Bessent’s disqualification click here.A disqualification order has the effect that without specific permission of a court, a person with a disqualification cannot: Press Office Office currently closed during the coronavirus pandemic. LinkedIn Directors who fail in these duties will be investigated and removed from the corporate arena for a lengthy period. Disqualification undertakings are the administrative equivalent of a disqualification order but do not involve court proceedings.Persons subject to a disqualification order are bound by a range of other restrictions.The Insolvency Service administers the insolvency regime, investigating all compulsory liquidations and individual insolvencies (bankruptcies) through the Official Receiver to establish why they became insolvent. It may also use powers under the Companies Act 1985 to conduct confidential fact-finding investigations into the activities of live limited companies in the UK. In addition, the agency authorises and regulates the insolvency profession, deals with disqualification of directors in corporate failures, assesses and pays statutory entitlement to redundancy payments when an employer cannot or will not pay employees, provides banking and investment services for bankruptcy and liquidation estate funds and advises ministers and other government departments on insolvency law and practice.Further information about the work of the Insolvency Service, and how to complain about financial misconduct, is available. Email [email protected] Companies handling money on behalf of others have a duty to ensure that funds are properly managed. YouTube GBTS and/or GBT failed to comply with the terms of the Governance Statement of a pension scheme of which they were Trustee GBTS and/or GBT failed to comply with the statement of investment principle (“SIP”) of a pension scheme of which they were trustee the Pension Regulator has issued guidance for Trustees outlining responsibilities placed on scheme Trustees and explaining what Trustees need to do in order to comply with the law, the Pensions Act 1995 and the Pensions Act 2004. GBTS and/or GBT failed to comply with that guidance or the provisions of the pension legislation GBTS and/or GBT made investments in companies where the accounts and instruments did not reflect the investment made. GBTS and/or GBT failed to carry out their functions as Trustees/administrators by failing to ensure that sufficient share certificates to support investments were received and/or to satisfy themselves that there was sufficient evidence of the existence of the investment GBTS and/or GBT operated with a lack of transparency designed to persuade or encourage members of the public, who were not sophisticated investors, to transfer pension funds into pension schemes which relied on high risk investments GBTS and GBT offered contrived and artificial ‘employment’ to members in order to circumvent what was considered to be the guidance at the time requiring the need for members to be employed by the sponsoring employer of the occupational pension scheme
Both sites are now functioning as part of the Crouch & Roach Estuaries system. They support intertidal mudflats and developing saltmarsh and provide suitable habitat for the internationally important wintering water birds such as dark-bellied brent geese, lapwing, shoveler and golden plover amongst many other waterfowl species.The Crouch and Roach Estuaries are an integral part of a continuous network of designated coastal habitats extending north from the Thames Estuary to the Colne Estuary, known as the Mid-Essex Coast.Kate Jennings, Head of Site Conservation Policy, RSPB said: This is fantastic news for wildlife and the local community. The designation of this additional land into the existing protected area demonstrates that our management and stewardship of important wildlife habitats is achieving a high standard. We have committed to developing a Nature Recovery Network to protect and restore wildlife in our 25 Year Environment Plan. Through these plans we will be the first generation to leave the environment in a better state than we found it. The Essex coast used to be a place full of amazing and abundant wildlife, but over the last 400 years, land claim for agriculture, coastal erosion and rising sea levels have taken their toll. The extended designation recognises the importance of new mudflats and saltmarsh created to offset past losses, and is a major step towards restoring this spectacular place. The designation, protection and management of our finest and most valuable places for wildlife will be key in achieving this Government’s 25 Year Environment Plan, and this designation is particularly welcome as it will protect areas immediately adjacent to the RSPB’s Wallasea Island Wild Coast project, where we are working with partners including Defra and the Environment Agency to create more coastal habitat for people and nature. Approximately 95 per cent of the area of our Sites of Special Scientific Interest and about 60 per cent of the total area of our most important or ‘priority’ wildlife habitats is now in good condition for wildlife or has management in place to restore its condition.Since 2011 we have established management on approximately 130,000 hectares of land to create new wildlife-rich habitat in the wider countryside. Two important sites for waterfowl in Essex have been afforded the strongest environmental protections available.Allfleet’s Marsh and Brandy Hole, part of the Crouch and Roach estuaries, have now been made Special Protection Areas (SPA), Sites of Special Scientific Interest (SSSI) and designated as a Ramsar wetland of international importance.Environment Minister, Thérèse Coffey said:
On Saturday, September 8th, Tedeschi Trucks Band hopped on Willie Nelson‘s traveling Outlaw Music Festival for their first of five dates with the tour. The band arrived at the first day of their Outlaw stint in mid-season form, having just finished up a busy summer headlining their 2018 “Wheels of Soul” tour with The Marcus King Band and Drive-By Truckers and a big weekend at LOCKN’ Festival. At the rainy Hershey stop, in addition to Willie Nelson and Tedeschi Trucks Band, the day’s festivities included performances by Sturgill Simpson, Van Morrison, Particle Kid, and Willie’s son, Lukas Nelson, with his band, Promise of the Real.Tedeschi Trucks made a big showing on their first night with the Outlaw festival. In addition to delivering their own powerful set, Derek Trucks and Susan Tedeschi joined Willie for the last two numbers of his set, “Will The Circle Be Unbroken?” and “I’ll Fly Away”. Willie’s set also saw him welcome his son, Lukas, for a rendition of “Texas Flood”, written by Larry Davis and Joseph Wade Scott and popularized by the late, great Stevie Ray Vaughan.Outlaw Music Festival continues today in Toronto with Willie, Tedeschi Trucks, Sturgill Simpson, and Terra Lightfoot. For a full schedule of upcoming Outlaw Music Festival stops and artists, head here.Below, you can watch videos of Tedeschi Trucks Band, Sturgill Simpson, Van Morrison and more from Outlaw Music Festival’s Hershey, PA stop via Sean Roche.Sturgill Simpson – “The Promise” [When In Rome cover]Sturgill Simpson – “Call to Arms” > “The Motivator”Tedeschi Trucks Band – “Laugh About It”Tedeschi Trucks Band – “Show Me” [Joe Tex cover]Tedeschi Trucks Band – “Midnight In Harlem”Van Morrison – “Baby Please Don’t Go”Van Morrison – “Warm Love”Van Morrison – “Ballerina”Van Morrison – “Brown Eyed Girl”View VideosSetlist: Sturgill Simpson | Hersheypark Stadium | Hershey, PA | 9/8/18Set: Welcome to Earth, It Ain’t All Flowers, The Promise, Breakers Roar, Brace for Impact, You Don’t Miss Your Water, Some Days, Turtles All the Way Down, Keep It Between the Lines, All Around You, Going Down, Call to ArmsSetlist: Tedeschi Trucks Band | Hersheypark Stadium | Hershey, PA | 9/8/18Set: Laugh About It, High & Mighty, Show Me, Down in the Flood, Don’t Know What It Means, Night Time Is The Right Time, Going, Going, Gone, Let Me Get By, Midnight In Harlem, How Blue Can You Get?, Part of Me, Shame, Space CaptainSetlist: Van Morrison | Hersheypark Stadium | Hershey, PA | 9/8/18Set: The Way Young Lovers Do, Sweet Thing, Benediction, Magic Time, Baby Please Don’t Go / Don’t Start Crying Now / Here Comes the Night, How Far From God, Days Like This, Moondance, Have I Told You Lately, Carrying a Torch, Wonderful Remark, Warm Love, Vanlose Stairway, I Can’t Stop Loving You, Wild Night, Broken Record, Ballerina, Did Ye Get Healed?, Brown Eyed Girl, GloriaSetlist: Willie Nelson | Hersheypark Stadium | Hershey, PA | 9/8/18Set: Whiskey River, Still Is Still Moving to Me, Good Hearted Woman, Down Yonder, Texas Flood*,Mamas Don’t Let Your Babies Grow Up to Be Cowboys, It’s All Going to Pot, Roll Me Up and Smoke Me When I Die, Still Not Dead, On the Road Again, Always on My Mind, I Been to Georgia on a Fast Train, Jambalaya (On the Bayou), Hey Good Lookin’, Move It On Over, Nuages, Blue Eyes Crying in the Rain, Twelfth Street Rag, Will the Circle Be Unbroken?^, I’ll Fly Away^*with Lukas Nelson^with Susan Tedeschi, Derek Trucks
In tandem with the release of findings from a new national survey of college and university students about sexual assault, the University’s Task Force on the Prevention of Sexual Assault made Harvard’s data public Monday, including results that paint a disturbing picture of sexual misconduct here on campus.In a 13-page letter to President Drew Faust, Task Force Chairman Steven E. Hyman said that the survey, which was administered to nearly 20,000 degree-seeking students enrolled at Harvard College, the Graduate School of Arts and Sciences (GSAS), and the 10 professional Schools last spring, makes clear that sexual assault is “a serious and widespread problem that profoundly violates the values and undermines the educational goals of this University.”Women at Harvard College appear especially vulnerable to sexual assault, the survey said. More than 60 percent of women in the College’s Class of ’15 responded to the survey. Of those, 31 percent said they had experienced some sort of unwanted sexual contact at Harvard. Ninety women characterized that contact as what the survey termed “nonconsensual completed or attempted penetration involving physical force, incapacitation or both,” the most serious category of misconduct. This group comprises 16 percent of female College seniors.A total of 17.9 percent of undergraduate women who identified as Lesbian or Gay, Bisexual, Asexual, Questioning and Not Listed (LGBAQN) at Harvard reported experiencing some form of nonconsensual sexual contact by force or incapacitation during the 2014-2015 academic year, the highest rate of all Harvard student cohorts. This contact ranged from completed or attempted penetration to sexual touching. Undergraduate heterosexual women were the next-highest group with 12 percent reporting such contact, and LGBAQN undergraduate men reported 10.9 percent.The students least likely to experience unwanted sexual contact were heterosexual men at GSAS and the professional Schools, at 0.8 percent. Just 2.7 percent of undergraduate heterosexual men and 2.9 percent of LGBAQN men at GSAS or at the professional Schools said they had any nonconsensual contact.Faust finds results “deeply disturbing”In an email to students, faculty, and staff, Faust called the survey results “deeply disturbing” and said the findings reinforce the “alarming frequency” with which Harvard students experience sexual assault, and she called for a Monday evening meeting to discuss the results with them.“All of us share the obligation to create and sustain a community of which we can all be proud, a community whose bedrock is mutual respect and concern for one another. Sexual assault is intolerable, and we owe it to one another to confront it openly, purposefully and effectively,” Faust wrote.The survey was part of an effort led by the Association of American Universities (AAU), a consortium of 62 research universities, to better understand the nature and pervasiveness of sexual assault, harassment, and other misconduct on college campuses. More than 150,000 undergraduate, graduate, and professional students at 27 private and public research universities across the country took part, making it one of the largest surveys of its kind.Overall, 19.3 percent of eligible students responded to the AAU survey, though rates at each institution varied depending on the type of school and size. At Harvard, 53 percent of the eligible students participated, the highest rate among the universities surveyed. Faust said she took that as a “positive sign” that students recognize sexual assault as a serious issue.Harvard fared slightly better than the averages reported by students in the national survey aggregate. Four percent of Harvard students surveyed said they had at least one incident of nonconsensual sexual contact last year. Additionally, 1.4 percent said the contact was completed, or involved attempted penetration by use of force, incapacitation, or both. Nationally, 6.5 percent of students reported some form of unwanted of sexual contact, while 2.4 percent reported penetration or attempted penetration by force or incapacitation.Last April, the Harvard task force asked students to complete an online survey about sexual assault. Students were asked a series of questions about various kinds of sexual misconduct that they may have encountered while they were enrolled at the University, regardless of where or when the incident took place, or whether the perpetrator was part of the Harvard community. The survey focused on nonconsensual sexual activity conducted through the use of physical force, incapacitation, or both.The survey found that sexual harassment is a problem for women students all across the University, with 72.7 percent of undergraduate women reporting an incident of harassment during their time at Harvard, while fewer than 62 percent of undergraduate women in the broader 27-school survey reported such incidents.Almost half of Harvard’s female graduate and professional School students reported being harassed, and 21.8 percent of these women said a faculty member had sexually harassed them.“We must commit ourselves to being a better community than the one the survey portrays,” Faust wrote in her email. “It is up to all of us to ensure that Harvard is a realization of our ideals, not our fears.”Also in response, Rakesh Khurana, Danoff Dean of Harvard College, announced that the College would host three town-hall style discussions with staff from the Office of Sexual Assault and Prevention this week.“We have it in our power to make Harvard better,” he said in a message to students. “This is a moment for all of us to take stock of what we stand for as a community” and to make the necessary changes to better Harvard and the world.At a 90-minute meeting Monday evening before an overflow crowd at the Science Center, Faust and Khurana answered questions from students following a presentation of the survey results by David Laibson ’88, the Robert I. Goldman Professor of Economics. Laibson, who serves on the task force and chairs the Economics Department, was closely involved in the survey’s design and analysis.As an institution of higher education, learning from these survey results “is something we are especially equipped to do,” Faust said.“We want to use those skills to figure out how can we combat this, how can we make it stop, and how can we help the individuals who are trapped in these terrible, terrible circumstances from ever having to have those kinds of things happen to them again. How can we help future students not have to confront the same realities?” she said. “Let’s use every tool that we have to make this a better place.”Students attending the community meeting asked that the University offer more opportunities to gather in both large and smaller groups not just to discuss their views about sexual assault policy initiatives and programs, but also to comfortably share their experiences in the hopes of learning more about the underlying issues that contribute to such traumatic incidents. Many expressed support for better and faster access to mental health services and the creation of “safe spaces” so that final clubs events were not a focus of undergraduate social life.Noting the essential value that students derive by socializing and learning from Harvard’s diverse student population, Khurana appeared to signal that single-sex entities like final clubs may face greater scrutiny in the near future.“Any organization that attaches itself, recognized or unrecognized, to Harvard, recruits from Harvard students and enjoys any sort of status by being affiliated with the College has to be in synchronization with the mission of the College,” he said.Alcohol use a major risk factorUnsurprisingly, the use of drugs and alcohol as a “tactic” or precursor to sexual assault on college campuses accounts for a “significant” percentage of reported incidents, the AAU survey found.At Harvard, when students were asked if anyone had been consuming alcohol before an incident of completed or attempted penetration when incapacitation was a factor, 89 percent of respondents said they had been drinking, while 79 percent said the perpetrator had been drinking.“The percent of alcohol is so high that prevention efforts are not likely to succeed if we do not, as part of our final report, suggest approaches to decreasing the harm associated with student drinking,” Hyman wrote in his letter to Faust.More than 75 percent of Harvard College women reported the assaults took place in student Houses, while at least 15 percent said they occurred at what the survey categorized as “single-sex organizations that were not fraternities or sororities,” a category that most closely aligns at Harvard with the non-affiliated final clubs.Not serious enough to report?One reason why reliable information about the pervasiveness of sexual assault on college campuses is so hard to come by, analysts say, is that, historically, few students choose to report such incidents to someone in law enforcement, at a university, or at another organization. The AAU survey bears out this unsettling truth. Just 5 to 28 percent of students nationally said they had reported an incident, depending on the type of misconduct. Among those who said they did not report an incident, the most common reason given was a belief that it was not serious enough to warrant action. Other explanations included that the student felt “too embarrassed, ashamed, or that it would be too emotionally difficult” to report the incident, or that she or he “did not think anything would be done about it.”On that score, Harvard appears no different. Here, 80 percent of female undergraduates who said they had been penetrated as a result of incapacitation did not formally report the assault, while 69 percent who said they were penetrated by the use of physical force did not report the instances.Fifty-four percent of Harvard student respondents who said they “had seen or heard someone acting in a sexually violent or harassing way” did nothing to intervene. A full 80 percent who said they had seen a “drunk person heading for a sexual encounter” indicated that they did not take any action.Hyman said the survey results are “entirely congruent” with testimony that the task force has heard since its formation. “The fact that Harvard data is quite similar to that of other private universities within the AAU gives little comfort,” he wrote to Faust. Noting the “deeply ingrained” nature of sexual assault, Hyman wrote, “It reminds us that we cannot simply make and implement a series of recommendations and consider that we have done our work.”Messages on assault not being receivedDespite initiating several efforts in the last two years to better confront sexual assault on campus, such as the adoption of the University-wide Title IX policy, the establishment of the Office for Dispute Resolution to investigate misconduct, and the addition of 50 Title IX coordinators to work across Harvard on such issues, many students said they are not well-informed about where to get support, how to report sexual assault or misconduct, how the University defines sexual assault and misconduct, or what happens after a report is made.Just 24 percent of Harvard students said they were very or extremely knowledgeable about where to go for help, and only 20 percent said they were very or extremely knowledgeable about where to report an incident. When asked what happens after a report is filed, 82 percent said the process wasn’t entirely clear to them, and only 15 percent said they fully understood what constitutes sexual assault or misconduct at Harvard. In all four areas, the percentage of Harvard students who said they were very or extremely knowledgeable was consistently smaller than the national survey average.“Clearly, we must do more,” Faust wrote. “University leaders — starting with the president, the provost, and the deans — bear a critical part of the responsibility for shaping the climate and offering resources to prevent sexual assault and [to] respond when it does occur.”To that end, Faust has asked the deans from each School to prepare “school-specific plans” that begin to facilitate community discussion, engagement, and action surrounding the survey findings.The task force and the University’s Institutional Research Office will further analyze the survey data to better understand the full results. In January, the task force will submit a report and make recommendations to Faust.Among the areas identified as meriting further scrutiny: the higher rate of sexual assaults reported by LGBAQN-identifying students; the alarming frequency of alcohol as a factor in such assaults; the specific campus locations where incidents most often take place; and the low percentage of students, particularly undergraduates, who say they know where to get help or feel confident that the University will respond to their needs.Confidence in the University’s ability to handle sexual assault cases vigorously and appropriately varies widely.Although 61 percent of all Harvard students think the University is “very or extremely likely” to take a report of sexual assault seriously, only 43 percent of female undergraduates at the College and at the Division of Continuing Education said they feel that way.Asked if they thought the University would conduct a fair investigation of any reported assault claim, 41 percent of Harvard students said they were only “somewhat” certain officials would do the job properly, while 29 percent said the process was “very” likely to be fair. Female undergraduates were a bit more skeptical, with 45 percent saying a fair investigation was “somewhat” likely.But when asked how likely University officials were to take action against an offender, 46 percent of female undergraduates said they had little or no confidence that they would. In addition, 84 percent expressed some doubt any action would be taken. Overall, 68 percent of Harvard students surveyed were dubious of follow-through against offenders.The national survey was designed to provide university communities, federal policymakers, and educational researchers with greater insight into the scope, frequency, and nature of sexual assault and misconduct on American college campuses, the AAU said in a press statement issued Monday.The survey results come amid growing pressure on colleges and universities from the Obama administration, Congress, the Department of Education, and activists to codify and make transparent their procedures for investigating, disciplining, and reporting sexual assault cases, as well as the case outcomes.Other participating Ivy League schools included Brown University, Columbia University, Cornell University, Dartmouth College, the University of Pennsylvania and Yale University. Public universities involved included the University of Virginia, the University of Michigan, the University of North Carolina at Chapel Hill, and the University of Texas at Austin, among others.
Ask a recent college graduate if earning their degree was worth it and you may be surprised at the answer you receive. According to a recent Bloomberg article, many college graduates are pessimistic about the return on their investment in a degree. The growing costs of paying for college, coupled with the misconception that graduates should be pulling a hefty salary straight out of school, are leaving consumers skeptical about the value of a college education. Perhaps it’s falling into the trap of today’s instant gratification society that sways some to think like this. Yet time and time again, data show that earning a college degree is very well worth it, and that graduates will see the benefit of a degree over time.Here are the facts:The difference in the average income level of someone at least 25 years old with a bachelor’s degree is on average $30,264 as opposed to the salary of a high school graduate.1The unemployment rate is significantly lower for those with a bachelor’s degree versus a high school diploma (3.8 percent versus 12.2 percent, respectively). The same is true of those living in poverty; 21.8 percent of high school graduates live at or below the poverty line, while only 5.8 percent of those with a bachelor’s degree or higher do. 2Over the past four decades, those with a bachelor’s degree have tended to earn 56 percent more than high school graduates, and those with an associate’s degree have tended to earn 21 percent more than high school graduates. 3A Pew Research study found that on some key measures, the largest and most striking disparities between college graduates and those with less education surface in the Millennial generation. Millennials with at least a Bachelor’s Degree earn $17,500 more than Millennials with a high school education, a wage gap that is significantly larger than years prior, and continuing to grow. (Supporting Chart here.)As strong as they may be, these facts don’t mean every college graduate will reach their maximum earning potential the moment they have their diploma in hand. These numbers reflect an average over time, and entry level positions are just that – an entry into the working world and a chance to use the knowledge gained in college to advance a career.In fact, employed Millennial college graduates are more likely than their peers with a high school diploma or less education to say their job is a stepping stone to a more desired position that furthers their career (86 percent vs. 57 percent). In contrast, Millennials with a high school diploma or less are about three times as likely as college graduates to say their work is “just a job to get by” (42 percent vs. 14 percent).2The Impact on Student LendingThese facts are important for lenders to remember as they help families sort out their options for funding a valuable college education. The cost of tuition can seem staggering to most, as many Americans will experience their higher education venture as the biggest investment they may make – with the exception of their home mortgage. It’s daunting. And coupled with the media’s bleak portrayal of student lending in recent years, many consumers are quite leery of borrowing money for college. Stepping up, this is where credit unions can make a difference, however.When families turn to their financial institution to help them through major life events, they are seeking experts who can answer their questions and put their minds at ease. What sets credit unions apart from other lenders are personalized solutions for their members and education about their financial decisions. That education extends beyond the simple math of a loan. It includes teaching members about credit scores, repayment options, and a true understanding of the loan agreement into which they enter.CU Student Choice, for instance, works with online financial literacy resource iGrad assisting students and their families to make effective personal finance, student loan, and career decisions. This platform – an online portal featuring financial literacy tools for college students and recent graduates – helps before, during, and after the college years, providing resources and information on schools, career paths, budgeting, workplace expectations – and even an interactive job bank to help graduates find employment in cities across the country.Both organizations have worked to design and deploy two unique elements beyond the standard platform. The first is an interactive module that prospective borrowers may complete before a loan application is submitted – which ensures that students and parents understand college and loans costs, as well as career salary expectations. The second module is designed to help borrowers effectively enter their loan-repayment cycles.Educating borrowers about the value of obtaining a college degree is also crucial so they understand the impact of the investment they’re making and clear up any misconceptions about private student loans. Increasing negativity revolving around student lending issues has on many occasions overshadowed the true benefit of the education itself. Again, the credit union can provide members who may be distrustful of traveling down the loan road with a more educated view that results in a better decision – either way. This lending education from a credit union further positions them as a trusted resource for any financial decision. And providing a student with valuable advice and possibly a college loan to boot, sets up the credit union with an active member for all of life’s major decisions following graduation.Building Future RelationshipsBy offering this sound advice and gaining the trust of their members, credit unions have an opportunity to build lasting relationships with a younger demographic. Students leaving home for the first time may also need a checking account or their first credit card. New graduates could be looking for a car loan. For one Student Choice client credit union that has offered the program for five years, a review of their borrowers in repayment showed that:63% had a checking account22% had a credit card16% had an auto loanProviding a private student loan option for families isn’t just about paying for college; it’s also about building a solid foundation for a strong financial future. It’s not only an investment in education for the student’s future career and success but an investment for the credit union – again, positioning the institution as a trusted resource to provide further services through life’s financially-related milestones. Why wouldn’t any credit union want to position itself with this opportunity?1 U.S. Bureau of Labor Statistics2 Pew Research Center3 Federal Reserve Bank of New York 11SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Michael Weber As the Chief Marketing Officer, Michael not only builds awareness of Student Choice within the credit union industry but also works directly with client credit unions and business partners to … Web: www.studentchoice.org Details
Step aside ladies! The country hunks really brought the heat at the 2020 Country Music Association Awards. Ranging from blue jeans and cowboy hats to sharp, black tuxedos, the men’s style game was seriously on-point.On Wednesday, November 11, the hottest stars in country music walked the red carpet for the 53rd annual awards show at the Music City Center in Nashville. In fact, it was the true first true red carpet that we’ve seen since the COVID-19 pandemic — and the celebs did not disappoint.- Advertisement – – Advertisement – Most of the women dazzled in truly head-turning gowns. For instance, Carrie Underwood looked like a goddess in an embellished, asymmetrical dress, while Maren Morris slayed in a lacey black number featuring a sexy robe. But the dudes kept up, opting for a variety of different aesthetics. And we appreciated every single one of them.Jason Aldean and Dierks Bentley rocked pared down outfits complete with blue jeans and killer boots. After all, it is a country music awards show! But Darius Rucker, Thomas Rhett and Patrick Schwarzenegger all went for a more classic red carpet look in suits and tuxedos. Rucker donned a simple black suit with a white dress shirt and dark necktie. Rhett changed things up a bit in a black monochrome tux, complete with a bowtie. As for Schwarzenegger, he really went bold in a slouchy cream, double-breasted suit, which he wore over a white turtleneck. It was a bit funky but on the 27-year-old actor, it seriously worked.- Advertisement – Meanwhile, New Artist of the Year winner, Morgan Wallen, stood out in a reddish brown suit that he paired with a black button-up for a stylishly handsome ensemble.Keep scrolling to see what all the hottest hunks wore to the 2020 CMA Awards.Listen on Spotify to Get Tressed With Us to get the details of every hair love affair in Hollywood, from the hits and misses on the red carpet to your favorite celebrities’ street style ‘dos (and don’ts!)- Advertisement –
Florida on Sunday became the second state after California to overtake New York, the worst-hit state at the start of the US novel coronavirus outbreak, according to a Reuters tally.Total COVID-19 cases in the Sunshine State rose by 9,300 to 423,855 on Sunday, just one place behind California, which now leads the country with 448,497 cases. New York is in third place with 415,827 cases.Still, New York has recorded the most deaths of any US state at more than 32,000 with Florida in eighth place with nearly 6,000 deaths. On average, Florida has added more than 10,000 cases a day in July while California has been adding 8,300 cases a day and New York has been adding 700 cases.The surge in Florida has continued as the state’s Republican Governor Ron DeSantis has repeatedly said he will not make mask-wearing mandatory and that schools must reopen in August.On the contrary, New York state has managed to get the virus under control, with stores and restaurants shuttered and the wearing of masks mandatory.The rise in cases also comes as President Donald Trump is pushing to re-open US schools in the fall, despite teachers’ and families’ concerns that children could contract or transmit the disease should they return to the classroom.After New York, Texas has the most total coronavirus cases at 391,000. Texas Governor Greg Abbott said Tropical Storm Hanna, which made landfall on Saturday as a Category 1 hurricane, was especially challenging as it was sweeping through an area of the state that has been the worst hit by the coronavirus.For the tenth time in July, Alaska set a record for a one-day rise in cases, with 234 new infections on Sunday, bringing the state’s total to 3,100. Oklahoma hit a record for new cases five times in July, with 1,204 new infections on Sunday bringing the state’s total to 31,285. More than 146,000 Americans have died of COVID-19 – nearly a quarter of the global total — and there are nearly 4.2 million confirmed cases in the country, or at least 1 in 79 people have been infected.Topics :
Organizers and the International Cycling Union (UCI) are expected to issue a statement on Tuesday before the start of the 10th stage.”We’re crossing our fingers,” Cofidis team manager Cedric Vasseur told reporters. “We took all the procedure to avoid being caught by COVID.“Even if we are confident, we cannot be 100% sure that nobody will be infected. In any case, if somebody tests positive for COVID, they will be out of the Tour.”Team UAE Emirates sports director Allan Peiper was confident his team had done everything to avoid being infected. Tour de France teams were crossing their fingers as the peloton headed for the first rest day’s battery of coronavirus tests which could trigger team exclusions on Monday.Some team staff members were tested on Sunday and riders will be submitted to analysis on Monday.Tour rules state that should two members of a team, staff or riders, test positive for coronavirus, the whole outfit will be kicked out of the race. “It’s part and parcel of this Tour,” he said.”There is no anxiety. We’re in our bubble, we’re safe, we follow the rules and we do what we’re meant to do, and we see nobody else. There won’t be an infection in our group if we follow the rules. I don’t see a problem there.”Riders, however, have expressed concerns that spectators were not being cautious enough, with some of them running alongside the peloton without wearing masks.”The last few kilometers was like the [Col de] Peyresourde of always but the coronavirus is here and we want the Tour to get to Paris,” said Dutchman Tom Dumoulin after the eighth stage.The professional riders’ association (CPA) on Saturday issued a statement asking all fans to wear masks.French health authorities reported 8,550 new confirmed coronavirus cases on Saturday, down from Friday’s 8,975.Friday’s figure had set an all-time high of daily additional infections since the disease started to spread in the country at the end of the winter.The number of people in France who have died from COVID-19 increased by 12 to 30,698, and the cumulative number of cases now totals 317,706. Topics :
Redfield tweeted his support for a potential vaccine Wednesday evening, but cautioned Americans to be vigilant about mitigating viral spread in the meantime. “The best defense we currently have against this virus are the important mitigation efforts of wearing a mask, washing your hands, social distancing and being careful about crowds. #COVID19″The contradiction between Trump and health experts on an issue that has become a focal point of the 2020 election campaign highlighted the lack of trust Biden said he and the public have in the president’s handling of the pandemic, which has killed nearly 200,000 Americans.”When I said I trust vaccines, and I trust the scientists, but I don’t trust Donald Trump — this is what I meant,” Biden tweeted after Trump’s remarks.Barely an hour earlier the Democratic nominee said Trump’s refusal to take key steps to tackle the pandemic, like instituting national guidelines on social distancing and testing, were “utterly disqualifying” for the presidency.The Democratic nominee, speaking after receiving a briefing by public health experts, said he supported a rapid Covid-19 vaccine to help American life return to normal, but said the process should be guided by science and safety, not politics. “We’re very close to that vaccine as you know… We think we can start sometime in October” or shortly thereafter, Trump said.”I believe he was confused,” he said of Redfield. “I am just telling you we are ready to go as soon as the vaccine happens.”Redfield told lawmakers Wednesday that a “very limited” distribution to priority groups including first responders could begin in November and December, but that full implementation would take many more months at least.”I think we’re probably looking at late second quarter, third quarter 2021″ before a safe and effective vaccine would be available to the general public, he added. ‘He’s the president’ On Tuesday Trump accelerated his own already optimistic predictions, saying a vaccine may be available even before the November 3 presidential election.”We’re within weeks of getting it, you know — could be three weeks, four weeks,” he told a town hall question-and-answer session with voters in Pennsylvania aired on ABC.Democrats have expressed concern that Trump is pressuring government health regulators and scientists to approve a rushed vaccine in time to help his uphill bid for reelection.Trump also raised eyebrows when asked at the town hall why he had downplayed the gravity of the pandemic in its early months.”I didn’t downplay it,” Trump replied. “I actually, in many ways, I up-played it in terms of action.”But Trump himself told journalist Bob Woodward during taped interviews that he had deliberately decided to “play it down” to avoid alarming Americans.The president, who is rarely seen wearing a mask in public and long refused to push Americans to adopt the habit, told the town hall that “a lot of people don’t want to wear masks and people don’t think masks are good.”The comment caught wide flak, including from Biden, who also knocked Trump for saying the Democrat declined to institute a mask mandate.”I’m not the president, he’s the president,” Biden whispered into the microphone.Trump’s anti-mask message got a dressing down of sorts by Redfield too, as the CDC director held up a medical mask to senators and said “I might go so far as to say that this facemask is more guaranteed to protect me against COVID than when I take a COVID vaccine.”Trump rejected the assertion outright, and noted that he called Redfield to ask him what he meant.”I think there are a lot of problems with masks,” Trump said. “It’s not more effective than a vaccine.”Biden routinely appears at campaign events wearing a mask, and usually takes it off to deliver a speech. Trump, who is trailing in pre-election polling, has mocked Biden for wearing a mask. Polls show a majority of Americans disapprove of Trump’s handling of the pandemic. Topics : President Donald Trump expressed renewed confidence Wednesday that a viable Covid-19 vaccine would be ready by October, directly contradicting a top administration health expert and facing fierce criticism from his Democratic election rival Joe Biden.Trump sowed confusion about the issue with an extraordinary public rebuke of one of his top health experts who said masks were a leading weapon for fighting the pandemic and that a vaccine was unlikely to be widely available until mid-2021.”I think he made a mistake when he said that. That’s just incorrect information,” Trump told reporters referring to Senate testimony by Centers for Disease Control and Prevention director Robert Redfield.