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CUNA thanks senators for recognizing importance of financial literacy

first_img 2SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr CUNA sent a letter of thanks to Sen. Jack Reed (D-R.I.) for leading a Senate resolution designating April as Financial Literacy Month.Nearly 30 senators lent their name to Senate Resolution 427, which aims to raise public awareness about the importance of personal financial education in the United States.“Credit unions invest heavily in financial education, and have conducted thousands of educational sessions, from educating students in the classroom to adults at the local credit union branch,” wrote CUNA President/CEO Jim Nussle. “Many credit unions have one or more certified financial counselors on staff, and credit unions have provided millions of Americans with formal and informal financial counseling.”He also cited the extensive work of the National Credit Union Foundation and how its efforts compliment and reinforce credit unions’ work to expand and enhance financial literacy for millions of American families. continue reading »last_img read more

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PLSA taskforce urges action to fix ‘inefficient’ UK defined benefit system

first_imgAn industry taskforce investigating defined benefit (DB) pension funds in the UK has pointed to consolidation and a more flexible approach to benefit changes and scheme resolution as potential remedies for a system it says is not “fit for the future”.The taskforce was created in March this year.Announcing its interim report at the Pensions and Lifetime Savings Association (PLSA) annual conference in Liverpool today, Ashok Gupta, chair of the group, said: “The current state of DB poses a significant risk to members’ benefits for all but the most strongly funded schemes.”He suggested the current system was a risk to the wider economy and a burden on people outside DB schemes. He added that, in 2015, companies paid around £31bn (€35bn) into their DB schemes, with £11bn of this serving as deficit-recovery contributions.“That money could have been spent elsewhere in their businesses – for example, on wages, business investment, dividends or pension contributions to employees in DC schemes,” he said.He said it was “time to act” because the current system “is not fit for the future”, and its inefficiency is affecting scheme members, sponsors and even more people outside those schemes.The taskforce has come up with four main findings:The system is too fragmentedThe regulatory approach to scheme resolution is inflexibleThe approach to benefit design and benefit change is too rigidThe approach to pension scheme risk-bearing is “sub-optimal”It called for solutions to these problems to be investigated, such as scheme consolidation or a more flexible approach to benefit design and benefit changes.Joanne Segars, chief executive at the PLSA, said the taskforce’s work had helped quantify the scale of what was already a known problem for DB schemes.“The system we have is not working as well as it could – it is inflexible and costly,” she said. “It only allows for binary outcomes of complete success or complete failure.”The next phase of work for the taskforce will be to collaborate across the pensions and investment sector with the government, regulators, social partners and industry to develop recommendations to support the sustainability of DB pensions.Its final report is to be published in March 2017.The state and future of DB pension schemes is a hot topic at the moment as a result of high-profile insolvencies and the impact on deficits from low Gilt yields, with the UK work and pensions select committee’s related inquiries into BHS and wider DB pension regulation keeping the matter high on the agenda.The new UK pensions minister Richard Harrington yesterday told delegates at the PLSA annual conference in Liverpool that the government would soon be launching a consultation – a Green Paper – on DB pension schemes.Consolidation was one of the measures he flagged as a possible way of dealing with some of the problems the sector faces.Not everyone agrees, however, that there is a DB affordability crisis.The executive director at The Pensions Regulator recently said talk thereof was overblown and that the pension fund deficit figures often reported in the media were misleading.Earlier this week, the deputy governor of the Bank of England is reported to have told the work and pensions select committee that the central bank’s quantitative easing policy was not materially harming businesses with DB pension schemes.last_img read more

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Blackhawks’ Jonathan Toews on next season, Blues winning Cup: ‘No part of me that was happy’

first_imgBlackhawks captain Jonathan Toews had a lot to say this week about the rival Blues’ run to the Stanley Cup, his personal resurgence last season and his team’s focus heading into the 2019-20 season.A few excerpts from his interview Thursday on “Waddle and Silvy,” an ESPN Chicago radio show: Unimpressed Toews”No, there was no part of me that was happy,” Toews said of the Blues going from last in the league to Cup winners. “To me, them tanking at the start of the year was a huge underachievement. I’m not ready to give them as much credit as everyone else was this year. “It hurts to see St. Louis win the Cup, but I think that’s what gives you the hunger to go back there and be better.”Aside from the divisional rivalry, Toews’ lack of enthusiasm could be attributed to the Blackhawks going 4-1 against the champs last season, with three of the wins coming after regulation. MORE: Blackhawks bring back veteran Andrew ShawAging ToewsToews knows as well as anyone that missing the playoffs is unacceptable, especially for a storied Original Six franchise, so when he was asked about how he is approaching his offseason at age 31, he offered this perspective:”Well, I would say it would probably be less intense and not as much of a workload, but we’ve missed the playoffs the last few years and I’d say I have been on the ice more than anything. It’s mid-July, the sun is out, it’s beautiful and I’m heading to the hockey rink. I think that focus is there.”NHL FREE AGENCY 2019: Complete list of all 31 teams’ UFA, RFA playersChicago has experienced a lot of success under the leadership of Toews and Patrick Kane; they helped the Blackhawks win the Cup in 2010, 2013 and 2015. The two stars are still putting up big numbers, too —- Toews recorded a career-high 81 points last season and Kane had 110.”I was definitely in a more offensive role [last season] — quite a bit of power-play time,” the 12-year veteran noted. “I think once we get our power play clicking, it seemed like even if you’re not having a great night, maybe the legs aren’t there, you’re still going to have a chance to produce and get on the board. So it’s nice to score those points. It keeps you motivated, it keeps you going and it keeps you hungry.”Experienced ToewsAs one of the squad’s elder statesmen, Toews brings not only leadership but playoff experience as well; however, he also knows what the Blackhawks’ young players can contribute next season. He’s hoping they’ll help send the franchise on another long Cup run. “We need to give ourselves a chance for that experience to take over,” Toews said. “At the same time, we got some youth, we got some guys that are eager to prove themselves. Young guys and veterans alike, everyone wants to prove themselves in the postseason.”That’s the best time to be playing. To get there is the No. 1 goal, and for us, that’s when the real season actually starts.”Under Toews’ logic, the season never really started last year — or the year before that. His focus is on not allowing that trend to continue.last_img read more

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IRADIO DJ FERGAL DARCY TO APPEAR AT PULSE VENUE THIS WEEKEND

first_imgENTERTAINMENT: IRADIO DJ Fergal Darcy will appear at the Pulse Venue this Saturday night.Darcy is one of Ireland’s most popular disc jockeys and has came to national attention with his popular show on Ireland’s fastest growing radio station IRADIO. A massive crowd is expected to descend on the popular Letterkenny clubbing venue to listen to Darcy play the best current tunes in the chart.That’s not the only entertainment on offer at Pulse Venue with ‘The Furry Gilberts’ and DJ Paul R also rocking the venue in their respective areas.Book now to get your own VIP booth and enjoy the night in luxury at Letterkenny’s No.1 nightclub.To find out more check out the Pulse Venue’s Facebook page for details on drink promotions. #PULSEVENUE #FERGALDARCY #IRADIO IRADIO DJ FERGAL DARCY TO APPEAR AT PULSE VENUE THIS WEEKEND was last modified: July 24th, 2015 by Mark ForkerShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:EntertainmentFeaturesnewslast_img read more

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