6 Apps That Save Your Money While You Barely Lift A Finger

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Apps do a lot of things, including help us spend money. To kick off the year right, we’ve rounded up some apps that help us save ― or at least help us spend less. Here are a few that could tune up your budget in 2018, with hardly any effort on your part at all.

1. Earny

What it does: Obtains refunds automatically when prices drop on items you’ve already purchased
What it costs: Free

It’s so frustrating when you see that something you just bought is now on sale for less than you paid. About the only thing worse is not realizing it, especially if you bought the item from a retailer that will price match.

Meet Earny, which automatically monitors when retailers reduce the prices on items you purchased. When that happens, Earny goes one step further: It contacts the company to get the difference back, without your so much as lifting a finger.

2. Raise

What it does: Offers gift cards for less; sells unwanted cards for cash
What it costs: Free

Gift cards have wormed their way into our spending life, despite our tendency to lose them a lot. In 2015, there was about $130 billion in gift cards sold, almost $1 billion of which then went unspent. Yet we keep buying more: Consumers dropped about $150 billion on gift cards last year, according WalletHub.

Sometimes we intend to use them for ourselves, especially if we can find them discounted. The Raise app is one place to look.

Before you shop online or in stores, search the Raise marketplace to find discounted gift cards by brand, category or value. Shipping is always free on the physical cards, and shoppers save an average of 12 percent on purchases, according to a Raise spokesman.

On the other hand, if you have gift cards you don’t want, sell them on Raise for cash.

3. Cardpool

What it does: Operates an exchange for discounted gift cards
What it costs: Free

Similar to Raise, Cardpool works as a platform for users to buy and sell gift cards. Buyers can get up to 92 percent of a gift card’s value. Sellers may have to wait a bit longer for their money because, unlike Raise, Cardpool doesn’t post the funds directly to the seller’s bank account. Instead, the payment comes in the form of an Amazon eGift Card or a bank check sent via snail mail.

Continue onto Huffington Post to read the complete article.

The iGen iEverything Train is Coming, but Are You Ready?

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iGen

Technology is being consumed at an ever increasing rate causing executives, managers, and process improvement experts on the factory floor to re-define the methods of training and dissemination that have become obsolete.

Critical skills and tribal knowledge are being lost as boomers retire and training plans for new employees fall short of preparing workers for the sophistication of the new manufacturing environment.

Move over millennials, here comes the IGen! Born between 1995 and 2005 this group of tech savvy natives is the next cohort and are just now entering the workforce. IGen, or Gen Z as they are often referred, have grown up in a world of social media where Youtube, Instagram, and Twitter reign supreme. These kids are a force to be reckoned with and require access to information in ways that are familiar, immediate, and actionable. Our success depends on them because as the IGen goes, so goes the manufacturing industry, the nation, and the world.

Alliance Resource Group, in partnership with Sify Technologies has pulled together experts from manufacturing, academia and automated methodologies to develop a solution that addresses the manufacturing challenge of this next generation and identifies the key components of a successful framework including content management, dissemination methodology, scalability, and integration with current learning management systems. These components constitute a micro-learning strategy that facilitates current and future state requirements.

Alliance Resource Group (ARG), is a service disabled veteran owned business located in Newport Beach California. With a foundation in resource management, recruiting, and consulting, ARG provides services to small and medium size companies throughout the United States.

View the ARG White Paper here! Better be prepared for total process transformation if you want to remain competitive.

Betsy Duke — A career of firsts in leadership

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board chair of wells fargo

Amid crises and accomplishments, Wells Fargo Chair Betsy Duke has forged a career of firsts, culminating with being named the first female chair of a major U.S. bank.

As she relaxed on a Saturday afternoon in 1991, Betsy Duke received a phone call that would change her life. Her mentor and boss at a community bank in Virginia, the Bank of Tidewater, had died from a heart attack. Twenty-four hours later, Duke became one of the state’s first female banking CEOs.

Duke took the helm at that bank during the country’s savings and loan crisis — at that time the biggest threat to the U.S. financial system since the Great Depression. Despite some sleepless nights, she said she gained insights that have guided her career ever since.

“At first, I was worried all the time about our loan portfolio and what could potentially go wrong,” Duke recalled. “But I learned that the first thing you do in a crisis is to deal with reality the way it is, not get caught up in the angst of ‘Why is this happening to me?’ You have to pay attention to the way forward, dealing calmly with every challenge as it comes along.”

The 65-year-old native of the Virginia Beach, Virginia, area said she has drawn from that and other experiences in taking on the job of Wells Fargo’s independent board chair. On Jan. 1, roughly three years after joining the board, Duke succeeded the retiring Stephen Sanger — and became the first woman to chair one of the largest banks in the country.

A trailblazer in banking

Duke is stepping into her new role at a key juncture for Wells Fargo, as it navigates one of the most challenging eras in its history and enters the second full year of rebuilding trust amid sales practices issues.

The new role also marks the latest in a career of firsts for Duke: She was the first woman to head the Virginia Bankers Association (1999) and the American Bankers Association (2004). In 2008, she was appointed to the Federal Reserve Board of Governors, joining the Fed as the financial crisis exploded and the stock market crashed. She was the seventh of nine women to have ever been appointed to the Fed in its history.

Duke’s expertise and decision-making influence at the Fed during that extraordinary and controversial period helped establish her credentials on a national scale, drawing praise from some top leaders in the financial services industry.

Duke said being a veteran of crises has equipped her well for leading Wells Fargo’s board during this period. She promised heightened oversight of the company, but also gave a vote of confidence in its commitment to address its problems, implement solutions, work to compensate customers, and rally team members.

After only a month on the job, however, Duke faced some new challenges for Wells Fargo as it agreed to a cap on asset growth as part of an enforcement action by the Federal Reserve Board.

Amid the latest developments, Duke said the company must redouble its efforts to fix the problems, while not allowing them to overshadow the real progress Wells Fargo is making in dealing with mistakes of the past and building a better bank for now and the future.

“There should be no doubt about the commitment of our board and company leaders to meet the highest expectations of regulators, shareholders, customers, team members, and the community,” she said. “Every change we’ve made to date is geared to reflect that commitment.”

She also voiced strong support for Wells Fargo CEO Tim Sloan, who she said has provided steady, determined leadership and positive change.

The highest priority during a time of crisis is “you have to choose the right leader,” she said. “And I believe we have the right leader for Wells Fargo.”

Read her complete story on Wells Fargo.

TFS Scholarships Launches Online Toolkit to Provide College Funding Resources

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higher education

SALT LAKE CITY— TFS Scholarships (TFS), the most comprehensive online resource for higher education funding, has launched a free online toolkit to provide counselors, families and students with resources to help improve the college scholarship search process. The toolkit, available at tuitionfundingsources.com/resource-toolkit, provides downloadable resources and practical tips on how to find and apply for scholarships.

The launch comes in celebration with Financial Aid Awareness Month when many families are beginning the FAFSA process and researching financial aid options.

“We hope these resources help raise awareness around TFS and the 7 million college scholarships available to undergraduate, graduate and professional students,” said Richard Sorensen, president of TFS Scholarships. “Our goal is to help families discover alternative ways to offset the rising costs of higher education.”

The resource toolkit includes flyers, email templates, newsletter content, digital banners and table toppers which are designed to be shareable content that counselors, students and organizations can use to spread the word about how to find free money for college.

The newly revamped TFS website curates over 7 million scholarship opportunities from across the country – with the majority coming directly from colleges and universities—and matches them to students based on their personal profile, where they want to study, and stage of academic study. By tailoring the search criteria, TFS identifies scholarships that students are uniquely qualified for, thus lowering the application pool and increasing the chances of winning. By creating an online profile, students can find scholarships representing more than $41 billion in aid. About 5,000 new scholarships are added to the database every month and appear in real time.

Thanks to exclusive financial support from Wells Fargo, the TFS website is completely ad-free, and no selling of data, making it a safe and trusted place to search.

For more information about Tuition Funding Sources visit tuitionfundingsources.com.

 

About TFS Scholarships

TFS Scholarships (TFS) is an independent service that provides free access to scholarship opportunities for aspiring and current undergraduate, graduate, and professional students. Founded in 1987, TFS began as a passion project to help students and has grown into the most comprehensive online resource for higher education funding. Today, TFS is a trusted place where students and families enjoy free access to more than 7 million scholarships representing more than $41 billion in college funding. In addition to its vast database that’s refreshed with 5,000 new scholarships every month, TFS also offers information about career planning, financial aid, and federal and private student loan programs as part of its commitment to helping students fund their future. Learn more at tuitionfundingsources.com.

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Professional Woman’s Magazine Best Articles of 2017

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As the new year begins, here’s a look back at our most popular articles. Our rankings are based on page views for all of 2017, and everything is linked, in case you missed one or would like to revisit.

1. Diversity In The Workplace Starts With Diversity In Higher Education

The most selective institutions of higher education are gatekeepers to the most lucrative opportunities in the workforce. Those that care about race and also understand that students who merit admission may show their talents and capabilities in myriad ways, do better with diversity. In the absence of this, we see an unfair reliance on test scores which helps to perpetuate a power structure in the workforce that is race-based.</>

2. Three Stories Of Successful Women In Business

Meet the three women who are the proud owners of their Minuteman Press Franchises. “As our children become teenagers, my desire to do something for me became stronger. I took a position working for a local company full-time, and I struggled with the lack of satisfaction I felt. I am a committed person that gives 100-plus percent, and when that wasn’t received by my employer I started to feel that I would be better off putting my energy towards my own business.”

3. Dr. Nadine Wheat To Serve As Union’s New Leadership Program Director

Her passion for helping individuals succeed led her to Union Institute & University. “Union’s legacy is transforming the lives of adults by offering the chance to pursue professional goals and a lifetime of learning, service, and social responsibility. I wanted to be part of that tradition. UI&U’s unique focus of including social justice was especially exciting to me. In today’s society a leader has to be well rounded in all aspects and social justice is an important component of 21st Century leadership,” said Dr. Wheat. “As Director, I will be able to influence a generation to become better and more effective leaders.”

4. Waleteros Is Introducing A New Mobile App, A Virtual Prepaid Card, And Ultra-Modern Customer Service Allowing For A Personalized Connection To Latin America Relatives

The new Waleteros app is now available, allowing users to have access to financial services wherever they are. Unlike other applications on the market, Waleteros simplifies all tasks starting with the registration process. Getting a prepaid card has never been so easy!

How Achievable The 6 Most Common New Year’s Resolutions Really Are

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goals

With the holidays coming to a close, it’s time to get serious and set some New Year’s resolutions for 2018. Unfortunately, keeping those resolutions is often easier said than done.

In the spirit of setting achievable goals, we asked therapists to weigh in on six of the most common resolutions and grade them on a scale of 1-5 (with 1 being “very attainable” and 5 being “very difficult”). See what they had to say below.

1). LOSE WEIGHT
“Losing weight requires a fairly good understanding of nutrition and calorie intake. It also requires, rather uncomfortably, changing your diet and exercise ― two of your three most basic behavioral patterns (the other being sleep) ― and then maintaining those changes indefinitely. Before I was a psychologist, I worked as a personal trainer: You have to have structured goals and set attainable goal posts. Without structured goals, it’s my experience that people do well for two or three months, lose some weight, but then revert back to their previous lifestyle and gain the weight back throughout the year. Grade: 3/5.”—Ryan Kelly, a psychologist in Charlotte, North Carolina

2). GET ORGANIZED
“This is very achievable if you start small. Most people want to go from not taking any action to immediate results, which is unrealistic. Good habits are best built upon one another in small, easily achievable steps. If you want to get more organized, choose one tiny organizational skill you can do for five minutes a day until you’ve mastered it. For example, make it a goal to pick up your clothes from the floor each night before bed. It can be as simple as that. Grade: 1/5.”―Amanda Stemen, a therapist in Los Angeles, California

3). LEARN TO SAY ‘NO’
“Setting boundaries with others means understanding how to change patterns of people-pleasing. People often learn to say ‘yes’ when they’d rather not do something because in our culture, we’re rewarded for taking direction well in family and in work. Luckily, the pendulum is swinging where people are learning to practice taking care of their own needs. I recommend trusting your intuition when something feels right to you, and learning to stay grounded in your experience while still responding to the needs of others. If you’re bogged down at work before a vacation, say: ‘I hear that you need this work done by the deadline, but I also have time off scheduled and I’ll only get the most urgent things ready for the client before then. When I’m back, I’ll finish it.’ Grade: 3/5.”―Kari Carroll, a marriage and family therapist in Portland, Oregon

4). TRAVEL MORE
“Traveling is super easy to experience, and you don’t need a fancy trip to Indonesia like your friends on Instagram to escape the pressures of life and enjoy nature. Get creative and pay attention when others you know take excursions around your area. You can easily take day trips on the cheap to check out nearby towns, hikes, lakes, a resort pool or an obscure museum. Sometimes getting in the car and driving until you find something cool can be an adventure in and of itself. Grade: 1/5.”―Carroll

5). SPEND MORE TIME WITH FAMILY AND FRIENDS
“Post-holidays, you may have had more than enough of some people in your life. But if we’re not intentional about getting together, it will only happen when forced upon us by holidays or others. This one is very doable with some planning and intentionality to follow through. Get started by picking one person a month to reach out to, then be the one who initiates and plans the get together. Grade: 2/5.”―Kurt Smith, a therapist who specializes in counseling for men

6). LEARN A SKILL OR TAKE UP A NEW HOBBY
“As long as you’re not a perfectionist about this one, it’s achievable. I would phrase the goal as ‘time spent on a new hobby’ so it doesn’t feel like you haven’t made progress when you’ve practice tennis an hour a week and still miss the ball half the time months into it. I also think that trying new hobbies and skills is good because you may learn that you don’t actually enjoy the thing you thought you would. In that case, it’s better to switch and move onto something else. Grade: 3/5.”―Marie Land, a psychologist in Washington, D.C.

Read more from the Huffington Post here

TFS Scholarships Provides Free Access to 7 Million Scholarships Representing More Than $41 Billion in Aid

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TFS Scholarships

SALT LAKE CITY, October, 2017 – TFS Scholarships (TFS), the most comprehensive online resource for higher education funding, today announced its commitment to helping students and their families address the rising costs of school by providing free access to scholarship information.

Through its website, TFS connects students to more than 7 million scholarships representing more than $41 billion in aid. Continual increases in tuition fees and other college expenses are critical issues impacting students and families across the United States – particularly those who can’t afford to finance higher education on their own. According to the College Board’s 2016 Trends in College Planning, the average published tuition and fee price in the private nonprofit four-year sector is about 2.3 times higher than it was in 1986-87, after adjusting for inflation. It is 3.1 times higher in the public four-year sector and 2.4 times higher in the public two-year sector. As a result of these trends, an increasing number of students must rely on scholarships to attend college or graduate school.

“TFS Scholarships was inspired by my own father’s experience as an inner-city high school principal, and grew out of the realization that more could be done to support students searching for college scholarships,” said Richard Sorensen, president of TFS Scholarships. “For more than 30 years, TFS has helped students achieve their higher education aspirations by making it easier to find essential funding for college.”

The majority of the scholarship opportunities featured on the TFS Scholarships website come directly from colleges and universities, rather than solely from competitive national pools – thereby increasing the chances of finding scholarships that are the best fit for aspiring and current undergraduate, graduate and professional students. Each month TFS adds more than 5,000 new scholarships to its database in an effort to stay current with national scholarship growth rates – maximizing the number of opportunities students have to earn funding for their education.

Since its debut in 1987, TFS has remained a free, online service that effectively connects students with college funding resources to fuel their academic future. The TFS website also provides financial aid information, resources about federal and private student loan programs, and a Career Aptitude Quiz that helps students identify the degrees and professions that best fit their skills. TFS Scholarships is a safe, trusted, and distraction-free platform to research scholarships and other funding resources. Thanks to exclusive financial support from Wells Fargo, the TFS website is completely ad-free, so nothing stands between students and finding ways to fund their future.

For more information about Tuition Funding Sources visit tuitionfundingsources.com.

About TFS Scholarships

TFS Scholarships (TFS) is an independent service that provides free access to scholarship opportunities for aspiring and current undergraduate, graduate, and professional students. Founded in 1987, TFS began as a passion project to help students and has grown into the most comprehensive online resource for higher education funding. Today, TFS is a trusted place where students and families enjoy free access to more than 7 million scholarships representing more than $41 billion in college funding. In addition to its vast database that’s refreshed with 5,000 new scholarships every month, TFS also offers information about career planning, financial aid, and federal and private student loan programs as part of its commitment to helping students fund their future. Learn more at .tuitionfundingsources.com.

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Curves kicked off their 25th birthday celebrations and will gift 25 female veterans $25,000 each toward owning their own Curves club

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Curves Fitness

In the ever-changing and highly competitive fitness industry, there are few brands that stand the test of time. September marks the 25th birthday of Curves International Inc., one of the largest chains of fitness clubs for women in the world with more than 4,000 locations in over 70 countries.

In 1992, Curves introduced the 30-minute strength training circuit and has since helped millions of women build healthier lives. Today, Curves kicked off their 25th birthday celebrations and announced that in honor of their 25th birthday, they will gift 25 female veterans each toward owning their own Curves club. To learn more about the Curves franchise opportunity gift and to apply, visit www.buycurves.com/veterans.

Curves has partnered with F7 Group to hand-pick the 25 winners of the Curves franchise opportunity gift. F7 Group is an organization dedicated to helping female veterans and women in military families strengthen themselves, their careers and their communities. Through support and mentoring, the F7 Group empowers and equips female veterans and women in military families for their entrepreneurial journeys.

“We can’t think of a better way to underscore Curves’ commitment to helping women get stronger in all aspects of their lives than by supporting 25 female veterans to become business owners. These new business owners will seek to improve the health of women in their community,” said Monty Sharma, CEO of Curves International, Inc. “Curves has an incredibly strong and dedicated community of women worldwide and we are thrilled to celebrate this 25th birthday with them.”

Throughout the month of September, Curves will celebrate their 25th birthday at their locations worldwide through a series of unique opportunities and incentives:

  • The first 25 members at every club who join between August 28thSeptember 27th can join for free with the purchase of an annual membership*
  • On September 28, Curves will be celebrating the 25th birthday around the globe with special workouts and local in-club parties. Non-members can also join their local Curves for 25 cents to celebrate the day.**
  • Follow Curves on Facebook and Instagram and comment on their giveaway post for the chance to win free goodies
  • Join the party on social media by following #25YearsStrong and #CurvesStrong
  • Be heard on social media! Go to https://www.thunderclap.it/curves to register and share a special birthday post on social media.

Curves is a club designed specifically for women, providing a 30-minute total body workout, along with a supportive and non-judgmental environment for fitness, weight loss and healthy living.

For more information, visit www.curves.com

ABOUT CURVES INTERNATIONAL, INC.
Curves International, Inc. is one of the largest chains of fitness clubs for women in the world with more than 4,000 locations in more than 70 countries and is famous for its 30-minute Circuit with a Coach that works every major muscle group with strength training, cardio and stretching. Curves Specialty Classes*** offer workout moves for key focus areas like strength, balance and flexibility. With Curves Complete, women have a fully integrated, personalized weight loss and weight management solution that includes the Curves fitness program, customizable meal plans and one-on-one coaching and support. Curves is committed to providing women with the tools necessary to empower them to live more fulfilling lives. For more information, please visit curves.com.

ABOUT F7 GROUP
The F7 Group was founded in 2010 when USAF Veteran, Cassaundra Melgar-C’De Baca realized there was a lack of resources for Female Veterans and Women in Military families who had the desire to be entrepreneurs. As a very successful entrepreneur herself with many ventures under her belt, she began the long journey to where they are today. Through support and mentoring, the F7 Group provides female veterans and women in military families with essential access to resources within their communities to help empower and equip them for their entrepreneurial journeys. In 2013, the Group’s CEO and Founder, Ms. Melgar-C’De Baca, MBA, was honored as the first female veteran to be named Champion of Change by The White House.

No purchase necessary to enter. Open to eligible female US veterans who are legal residents of the US. Void where prohibited. All entrants must read and agree to the Official Rules at www.buycurves.com/veterans. 25 winners, if qualified and approved, will receive a $25,000 credit, which covers the Initial Franchise Fee and part of the equipment cost. Winners will be required to pay other initial fees, including but not limited to the remainder of the equipment cost ($15,034), cost of all permits and licenses, expenses to attend training and other fees as described in our Franchise Disclosure Document (FDD). This giveaway and the information relating thereto is not an offer to sell a franchise, which can only be done in a state where our FDD is filed and registered, or we are exempted, as set by state law, and only if we deliver the FDD in compliance with applicable law.

*Joining fee waived for first 25 members who join at each location starting 8/28/17. Monthly membership fees required and vary by location. Offer based on enrollment for a 12-month recurring billing fitness membership. Valid at participating locations. Cannot be combined with any other offer. No cash value. Expires 9/27/17.

**Monthly membership fees also required and vary by location. Offer based on first visit enrollment for a 12-month recurring billing fitness membership. Valid at participating locations. Cannot be combined with any other offer. No cash value. Valid only on 9/28/17.

***Classes offered at participating clubs only

SOURCE Curves

MassMutual study finds Latinos feel less secure and worry more about money than other Americans

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Hispanics and Money

Springfield, Mass.—Middle-income Latinos in the workforce say they feel less financially secure and worry more about money than other Americans, posing higher hurdles to planning for retirement and building wealth, according to new research commissioned by Massachusetts Mutual Life Insurance Company (MassMutual).

Amongst the key findings:

• Emergency preparedness. Three in 10 Hispanics reported having less than $500 saved for emergencies, leaving workers unprepared and more likely to struggle if they were out of work for one month or experienced unexpected events. Furthermore, Latinos in the workforce are less likely than others to have at least $5,000 set aside for emergencies (28% vs. 42% of the general population).

• Debt. In addition, unlike other consumer segments, the study revealed that debt and bills/cost of living tie as the top issues that face Latinos in their households. Latinos in the workforce find it more difficult than others to manage their monthly finances and nine in ten attribute this difficulty to high levels of debt and not having enough money.

• Retirement preparedness. When it comes to preparing for retirement, Hispanics feel they are falling behind, and, more so than others, wish their employer did more to educate them about saving for retirement. Just over half say that having benefits through their employer makes them feel more secure.

• Well-being. Among the concerns and obstacles to middle class workers’ financial security, a key concern for Latinos is the well-being of their parents and their own personal health. While, like others, Latinos are most worried about politics and the direction of the country, they are also more likely than others to express concern about their household’s financial situation and housing situation. More than half worry about household finances at least once a week.

“Securing a good financial future requires saving and planning,” says David Hufnagel, Latino market director, MassMutual. “We want to empower families with resources and tools to help achieve their financial goals and prepare financially for the long-term.”

Based on the research findings, MassMutual offers the following tips:

1. Develop a monthly budget and set up/reallocate priorities for short and long-term financial planning and saving.

2. Start saving for retirement as soon as possible and find out if your employer offers retirement saving plans. (Contributing a portion of your pay on a pre-tax basis to your employer’s retirement plan may help make saving more affordable. Calculate how much you need to save for retirement using online tools like the MassMutual Retirement Planning Calculator.)

3. If you have hopes to help fund a college education for children or loved ones, calculate how much it will cast with MassMutual’s college savings calculator.

4. Take advantage of financial educational opportunities offered by your employer and trusted financial advisors.

“It is no surprise that our study found that Latinos in the workforce would welcome additional financial help and guidance from their employers,” said Hufnagel. “In fact, our research revealed that Latinos show much more interest in employer-offered financial planning/counseling services, especially budgeting assistance and debt counseling, than other consumer segments.”

Methodology

The internet-based study conducted on behalf of MassMutual by Greenwald & Associates from February 28 to March 14, 2017 polled 513 Americans who identified themselves as Hispanic with annual household incomes of between $35,000 and $150,000.

About MassMutual

MassMutual is a leading mutual life insurance company that that is run for the benefit of its members and participating policyowners. MassMutual offers a wide range of financial products and services, including life insurance, disability income insurance, long term care insurance, annuities, retirement plans and other employee benefits. For more information, visit massmutual.com.

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Positive Strides in Income and Education

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African Americans and Hispanics, the largest racial and ethnic minorities in the United States, made positive strides economically and educationally during the past year but continue to lag behind whites, a civil rights group’s annual study contends.

“The theme of this year’s State of Black America report is ‘protecting our progress,’ ” National Urban League CEO Marc Morial said.

In its recent study, the league found the standard of living for African Americans was 72.3 percent of that of whites, on average. For Hispanics, the equality index was a bit higher, at 78.4 percent. The index measures quality of life for blacks and Hispanics in terms of economics, health, education, social justice and civic engagement.

Minority employment is at its highest level in almost a decade, but “any progress made toward racial equality is increasingly under threat.” Morial said. More minorities have health care at a time when efforts are under way to roll back expanding coverage, he added.

The report indicated that African Americans made gains in education, with a growing percentage of blacks staying in school and obtaining associate degrees.

According to the report, racial disparities plague minorities in terms of social justice equality. As examples, the report noted that more blacks are jailed after being arrested than are whites, and that whites posted a greater decline than blacks in their likelihood of being victims of violent crime.

The study also found a troubling rise in hate crimes committed against members of religious and racial minorities. “A nation of a great mosaic that the United States of America represents cannot tolerate hateful incidents. It is corrosive, it is divisive and it is un-American,” Morial said.

The Trump administration has proposed major budget cuts to government programs that help low-income Americans, who are disproportionately black. The civil rights organization said it would press lawmakers and private groups to invest $4 trillion over the next 10 years in job training, enhanced education programs and infrastructure projects to revitalize minority communities.

Source: voanews.com

Boeing Board Elects Caroline Kennedy as New Director

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Caroline Kennedy

Kennedy, 59, served as U.S. Ambassador to Japan from 2013 to 2017 and is an author and attorney.

“Ambassador Kennedy brings to the Boeing board professional, diplomatic and global perspectives that are highly valued in our rapidly evolving and increasingly competitive global business environment,” said Boeing Chairman, President and CEO Dennis Muilenburg. “Her diversity of experience and accompanying insights will broaden and strengthen our board in its deliberative and oversight roles for the company.”

In addition to her international experience and diplomatic service, Kennedy is an accomplished writer and editor who co-authored two books on U.S. constitutional law and edited various historical and literary titles. Having worked in public education in New York City, she has been a vocal advocate and leader on a range of education issues important to businesses, including increased science, technology, engineering and math (STEM) education for women. She also has held high-level positions on several prominent nonprofit boards.

Kennedy earned her Juris Doctorate law degree from Columbia Law School and holds a Bachelors of Arts from Radcliffe College, Harvard University.

She will serve on the Boeing board’s Audit and Finance committees.