Starting fresh with financial well-being for all

first_img“Great occasions do not make heroes or cowards; they simply unveil them to our eyes. Silently and imperceptibly, as we wake or sleep, we grow strong or weak; and at last some crisis shows what we have become.” Brooke Foss WestcottThere is opportunity in crisis. An opportunity to grow and learn; an opportunity to connect our values with our mission; an opportunity to put financial well-being at the center of our strategy so we can live that mission; and an opportunity to engrain diversity, equity and inclusion into our work. First things first – what is financial well-being? It’s not just financial education or financial literacy. It’s what folks do with their money and how they feel about their money. Financial health and well-being are deeply connected to every other part of life – housing, access to food, transportation, education, healthcare, etc. What do you we know about Americans’ current state of financial well-being? More than two-thirds of people in America (167 million people) are not financially healthy, and disparities have widened by race and income and persisted across gender. (Source: 2020 U.S. Financial Health Pulse).More than 50 million Americans have filed for unemployment.One in five have seen their income reduced.Tens of thousands of small businesses have closed permanently.These are our employees, members, families and communities. COVID-19 is having a massive impact on household finances which will continue into 2021. How do we, as credit unions, work to remain inclusive and focus on providing financial well-being for all?As we head into the new year, I challenge your organization to think about these five things:Really know what your members/employees are going through financially right now. You can measure through surveys and you can look at transaction/data trends to see what’s going on. Make sure you truly understand what all people need and respond to that.Everyone is thinking about their finances daily. They are looking for help to manage their finances in these micro-moments (sending money to a loved one, contactless card, money movement), not only for the big life stages like buying a house or a car. Do you have a laser focus on the member experience as you help members through those micro-moments?Advancing financial well-being for all your members is strategic. It’s not just the job of marketing or community engagement. It is what credit unions do. It’s who you are. You are in the financial well-being business.  Now is the time to place financial well-being at the center of your strategy and align all your services to advance your mission.  It’s time to double down on empathy, helping your team understand what their teammates and your credit unions’ members are really going through. This can help foster a diverse and inclusive culture. Train your staff to help coach your members through these micro-moments and trying times of the pandemic. What can you do strategically, within your broader community, to help members with things connected to financial well-being, like food, affordable housing, healthcare, access to the internet, etc.?  Credit unions have an immense opportunity to triple down on their mission of financial well-being for all as we head into an uncertain 2021. The Foundation is here with resources to help you in this financial well-being journey including webinars, video series, free empathy e-school, tips for practicing empathy at work and Exploring Our Values free self-guided course. 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Gigi Hyland Gigi Hyland serves as the Executive Director for the National Credit Union Foundation (NCUF), the philanthropic and social responsibility leader of America’s credit union movement. Prior to her work with … Web: Details This post is currently collecting data…center_img This is placeholder text last_img read more

As Prabowo visits Russia again, little headway on Sukhoi

first_imgDefense analysts said Prabowo’s latest visit to Moscow is the culmination of a two-year campaign from the Indonesian Defense Ministry to offer a strategic partnership in the defense industry between the two countries, an overture that has been welcomed by the Russian government, which gradually opened itself to such an idea with the 2019 Military Technical Cooperation (MTC) meeting.Analyst Curie Maharani Savitri of BINUS University said Prabowo’s latest visit marked the changing nature of the two countries’ defense partnership, which dated back to 2003.“Indonesia has been invested in bilateral relations with Russia since the days of president Megawati Soekarnoputri in 2003,” Curie said. “The [relationship is] evolving, from the initial role of Indonesia as a buyer of [Russia’s] primary weapons system; now Russia has opened itself to the prospect of [defense] industry cooperation [with Indonesia].”Russia’s pivot in the defense partnership with Indonesia was part of a bigger plan to improve its ties with countries in the Southeast Asia region, which have been seen so far only as consumers of its primary weapons system, Curie said. In a statement released following his January meeting with Prabowo, Defense Minister Shoygu considered Indonesia a key partner in the region.“We consider Indonesia as one of the most important partners of Russia in the Asia-Pacific region. Cooperation with Indonesia is traditionally based on friendship and mutual trust. We note that there are prerequisites for bringing bilateral ties to the level of a strategic partnership,” Shoygu said in a statement released by the Russian Defense Ministry. In the statement, Shoygu expressed hope that a declaration on the strategic partnership could be signed between the two countries this year. Despite the warming of the ties, questions remain over progress in the US$1.14 billion deal signed in 2018 for Indonesia’s purchase of 11 Sukhoi Su-35 jet fighters from Russia as part of the former’s defense sector modernization.A number of factors, including budget refocusing to tackle the COVID-19 pandemic as well as uncertainty over the United States’ reaction to such a purchase, are possible stumbling blocks in finalizing the Sukhoi deal.The Countering America’s Adversaries Through Sanctions Act (CAATSA), passed in the US in 2017, stipulates economic punishments for its partners that conduct business with Russia.“There is not yet any clarity on whether Indonesia will get a [CAATSA] waiver, whether Defense Minister [Prabowo] has lobbied [the US] or will wait until after the upcoming US election,” Curie said.The idea of a CAATSA waiver has been floated since 2018, when then-US Defense Secretary Jim Mattis said such a provision would allow US partners to have a closer partnership with the superpower and help them transition away from their dependency on Russia in terms of military weapons procurement.Defense analyst Dewi Fortuna Anwar of the Indonesian Institute of Sciences (LIPI), meanwhile, said Prabowo’s recent visit to Moscow highlighted Indonesia’s aim to diversify its sources of weaponry to reduce its dependency on a single manufacturer.Dewi said Indonesia paid a heavy price when the US imposed an arms embargo on Indonesia in 1999.“Following the military embargo from the US after the post-referendum violence in East Timor, the government’s new commitment was to diversify its [sources] of primary weaponry system procurement,” said Dewi.Defense Ministry spokesman Dahnil Anzar Simanjuntak, meanwhile, said Prabowo had been invited by his Russian counterpart to discuss defense ties between the two countries.“In the meeting, Defense Minister [Prabowo] and the Russian defense minister touched on issues of defense partnership, particularly military education, joint training and the development of defense industry cooperation,” Dahnil told The Jakarta Post late last week.During his visit, Prabowo also joined the Victory Day parade commemorating the Soviet Union’s triumph in the Second World War. He also met with Chinese Defense Minister Wei Fenghe while attending the parade, with pictures of the two men uploaded to the Defense Ministry’s Twitter handle @Kemhan_RI on June 24.Topics : Defense Minister Prabowo Subianto’s recent visit to Russia to attend the Victory Day military parade highlighted the depth of cooperation in the defense sector between the two countries despite the absence of progress in Indonesia’s plan to procure Russian Sukhoi jet fighters, defense analysts have said.Last week, Prabowo jetted off to Moscow to join the celebration of the 75th anniversary of Victory Day, during which he also held talks with Russian Deputy Defense Minister Alexander Fomin.Prabowo’s latest visit to Moscow was the second in less than six months, after a trip on Jan. 28, when he met with Russian Defense Minister Sergey Shoygu.last_img read more

Bulldogs MS Tracksters Get ‘W’ Over Wildcats

first_imgThe Batesville Middle School Track team got wins against The Franklin County Wildcats in Brookville.The girls score was 76-29 while the boys score was 89-16.BMS Track Results @ Franklin County (5-5)Courtesy of Bulldogs Coach Derek Suits.last_img

Women’s World Cup 2019: Julie Ertz has become the USWNT’s most indispensable player

first_imgJulie Ertz is not the biggest star on the United States Women’s National Soccer team. Alex Morgan has her beaten by about 3.25 million Twitter followers. Ertz is not the one who owns the best resume. Carli Lloyd is only three years removed from being named FIFA Best Women’s Player. Ertz is not the most experienced, doesn’t figure to score the most goals and isn’t even playing the same position or going by the same last name as when soccer fans were introduced to her four years ago at the 2015 FIFA Women’s World Cup.Julie Ertz is the name Americans will need to know in 2019, however, as the United States endeavors to repeat as World Cup champion. There is no more important player in the USWNT lineup. She is the last line of defense in advance of the U.S. defense, playing what is known in soccer lexicon alternately as a holding midfielder or a “No. 6.” The position Ertz plays now can be more glamorous than playing central defense, where one small mistake that leads to an opposing goal can define an entire performance. She is allowed more freedom to join the attack. She also must be fit enough to move from sideline to sideline, box to box. The game is physically demanding for everyone, but for a midfielder most of all.Asked if she trains differently now than when she was primarily a defender, Ertz didn’t really want to think about the demands.”Yeah,” she said. “I run a lot … more.” WORLD CUP SCHEDULE:How to watch all United States matchesWhen the U.S. won in 2015, Ertz — then known as Julie Johnston, her maiden name, before she married Eagles tight end Zach Ertz — was a revelation in central defense and was named to the 23-player all-star team chosen by the FIFA technical committee. As coach Jill Ellis developed a more aggressive, attack-based 4-3-3 formation, though, she saw Ertz’s move to central midfield as essential to making it work.Because Ellis chose not to bring along NWSL star McCall Zebroni, there also is not a true “destroyer” among the reserves available to fill in for Ertz.”When you look at the ‘6’ position, it is such a critical position. Who can be that player that can cover ground and break up plays, who can win the ball in aerial battles and who also has the ability to connect with a pass? Well, we’ve seen that in JJ,” Ellis told Sporting News. “Seeing her play there frequently with her club is certainly beneficial. We looked at different players in that spot, but ultimately it’s just a really good fit for her.”Ertz, 27, is a native of Mesa, Ariz., who led Santa Clara to the NCAA Tournament in her senior year, 2013. Coming off her World Cup success at age 23, the second-youngest player on the 2015 roster, Ertz looked as though she would be a fixture in the U.S. back line for a decade.In 2017, however, she began playing more frequently as an attacking midfielder with her team, the Chicago Red Stars, in the National Women’s Soccer League. That is also when Ellis began using her more frequently as a No. 6.MORE WORLD CUP:USWNT stars and their athlete significant othersThey are not identical positions, and it’s apparent there are times when Ertz’s desire and ability to join the formidable U.S. attack lead her higher up the field, closer to the goal. She has scored nine international goals since 2017.”I really would like to have her sit a little bit more and kind of be that shield in front of the back four and kind of connect with them on the defensive side of the game and, as the game progresses, move into the attack a little more,” Fox Sports analyst Christie Rampone, a veteran of five World Cups, told SN. “But I think we really need her to break up the opposing attack and be dynamic like she is. That’s what she’s brilliant at.”In her new position, Ertz is joined by two marvelously talented, offensive-oriented players, of which Ellis can choose among three: Lindsey Horan, Samantha Mewis or Rose Lavelle. All three are World Cup rookies, though. The lineup includes plenty of World Cup champions, but only Ertz holds that distinction among the midfielders who are so important to any team’s success.”I would hope I could give them as many helpful tips that I feel like I’ve learned through my experience,” Ertz told SN. “I think right now, it’s really giving them confidence in what they have, because what they bring this team is so special. I think on my end it’s really just giving them that extra confidence push because they’re a huge reason why we play the way we play.”I think what I’ve learned is you can’t look past any game. Adversity hits you all the time in those tournaments: throughout games, in moments through each game. Regardless of what position I play, overall, from the experience I’ve got, it’s really to stay in the moment because sometimes these games are won by such small margins. You really need to stay focused and in the moment of each game, and not look past any round.”MORE: Complete guide to the Women’s World Cuplast_img read more

Who plays on ‘Thursday Night Football’ tonight? Time, TV channel, schedule for Week 14

first_imgMORE: Watch Cowboys vs. Bears live with fuboTV (7-day free trial)Thursday night’s game will have a relatively significant impact on the NFL playoff picture. While a loss to the Cowboys technically would not eliminate the Bears, it would all but end their chances of earning a wild-card spot in the NFC. Either the 49ers or the Seahawks, both 10-2 heading into Week 14, will take one wild-card spot. Unless the 8-4 Vikings free-fall over the next few weeks, they likely will earn the second.The Cowboys, of course, amazingly still lead the NFC East and are slotted in the No. 4 seed for the playoffs. They need to beat the Bears in Week 14, though, in order to maintain their one-game edge over the Eagles, who host the hapless Giants on Monday night.Below is all the info you need to watch “Thursday Night Football” this week, including the TV channel and kickoff time for Cowboys vs. Bears.Who plays on Thursday Night Football tonight?Dallas Cowboys at Chicago BearsKickoff time: 8:20 p.m. ETIn both our picks against the spread and our straight-up NFL predictions for Week 14, Sporting News is projecting a Cowboys win over the Bears on Thursday night. Below are the explanations.Pick against the spread: The Cowboys and Bears each played on Thanksgiving last week with different results, as the former was upset at home and the latter rallied to win on the road. Chicago and Dallas’ defenses aren’t as daunting as expected, so it comes down to which quarterback you can trust to make some big plays off the better success in the running game. That’s easily Dak Prescott and Ezekiel Elliott. The desperate Cowboys will dig deep for a much-needed road win against an opponent with the same (6-6) record. Pick: Cowboys win 23-20 and cover the spread.Straight-up prediction: Most assumed this would be a matchup of Thanksgiving Day winners, but only the Bears took care of their business last week. The Cowboys’ loss to the Bills has them back down at .500 with the same 6-6 record as that of Chicago. Yet because the Bears are all but out of the NFC North race and the Cowboys amazingly still lead the NFC East, the home team has more to lose in Week 14. That will lead to an inspired effort from Matt Nagy’s bunch, but on a frigid Chicago night, Dallas will benefit from a more effective rushing attack and more efficient quarterback play. Pick: Cowboys 24, Bears 20.MORE: Full betting preview for Cowboys vs. BearsWhat channel is Thursday Night Football on?TV channel (national): NFL Network, FoxTV channel (Dallas): KDFWTV channel (Chicago): WFLDLive stream: fuboTV”Thursday Night Football” broadcast rights in 2019 are shared between Fox, NFL Network and Amazon Prime.Thursday night games on Fox this season are called by the network’s lead broadcast team of Joe Buck and Troy Aikman, sideline reporters Erin Andrews and Kristina Pink, and rules analyst Mike Pereira. In 2019, “Thursday Night Football” generally features intriguing matchups, even if the quality of play takes a dip as a result of a short week for the participating teams. That’s part of the reason the NFL can continue to get away with forcing teams to play a few days early each week. As long as fans care to scan their TV channels for “Thursday Night Football,” the league will give the people what they want.This week on “Thursday Night Football,” the Bears will host the Cowboys in a game scheduled to kick off at 8:20 p.m. ET on Fox and NFL Network. Based on the relatively small point spread attached to this game, Chicago vs. Dallas is expected to be tight. The 6-6 Cowboys are 2 1/2-point road favorites over the 6-6 Bears. Andrea Kramer and Hannah Storm are the voices for Amazon Prime’s broadcasts.WEEK 14 NFL PICKS: Straight up | Against the spreadThursday Night Football TV schedule for 2019All “Thursday Night Football” games start at 8:20 p.m. ET.WeekDateMatchupTV channels4Sept. 26Eagles at PackersFox, NFLN, Prime5Oct. 3Rams at SeahawksFox, NFLN, Prime6Oct. 10Giants at PatriotsFox, NFLN, Prime7Oct. 17Chiefs at BroncosFox, NFLN, Prime8Oct. 24Redskins at VikingsFox, NFLN, Prime9Oct. 3149ers at CardinalsFox, NFLN, Prime10Nov. 7Chargers at RaidersFox, NFLN, Prime11Nov. 14Steelers at BrownsFox, NFLN, Prime12Nov. 21Colts at TexansFox, NFLN, Prime14Dec. 5Cowboys at BearsFox, NFLN, Prime15Dec. 12Jets at RavensFox, NFLN, Primelast_img read more