Distant tellers, restaurant-style pagers: Department design within the COVID period | Credit score Union Journal

At Landmark Credit Union in Brookfield, Wisconsin, waiting for a cashier feels like waiting for a table in a restaurant.

In order to enable social distancing in the three new branches that the credit union built this year with assets of $ 5.8 billion, Landmark is trying to get rid of the queues at the counter. Instead, the same pagers are issued that many chain restaurants use to warn diners when a table is ready. Members can also schedule an appointment online where they can see bankers’ availability for key services such as loan closings and account openings.

“This allows members to schedule a time that best fits their schedule and eliminates the waiting time typically associated with walk-in appointments. We are also expanding our self-service capabilities in our branches, ”said Chief Experience Officer Brian Melter.

Pinnacle Credit Union in Atlanta takes a different approach to social distancing. In the next branch, she expects many of her cashiers to be able to work from home.

The new branch will have a mix of distributed ATMs and interactive ATMs that will be operated remotely. Depending on the machine type, customers could still sign and show their IDs to authorize transactions. The $ 89 million credit union expects cashiers to remotely perform at least 95% of normal transactions.

“We bet at least half a human resources department will be needed in the future because the personal touch is still important,” said Matt Selke, CEO of the $ 89 million credit union.

It’s a balancing act, said Selke. While it can allow almost all cashiers to work remotely, the credit union’s customers still want personal access to bank employees.

“We will have more traditional checkout lines than we previously thought – albeit more widely – with the option of ITMs in a different section of the store,” said Selke.

These pagers enable Landmark Credit Union members to know when it is their turn to meet a cashier without queuing.

Even as vaccination rates go up and people push back to concerts and sporting events, there is still a push to Wear masks and distance yourself socially to protect the unvaccinated as well as to protect against breakthrough cases and new coronavirus variants. These concerns take center stage when banks and credit unions consider new branch structures.

Those building new branches have the opportunity to experiment with floor plans that offer more space between checkout lines or self-service options.

One factor that helps create social distance is the increasing acceptance of drive-through or digital banking. This allows banks and credit unions to provide more personal space without a larger floor plan.

“Although newly built stores are smaller, new concepts are more open and provide more space within the facility to allow social distancing, as many institutions want to maintain at least minimal counter presence,” said Glenn Grau, senior vice president of sales for the Pittsburgh facility resident industry advisor PWCampbell.

Another example of this branch design philosophy is Credit Union 1, with $ 1.4 billion in assets, which recently opened a new branch in Anchorage, where the Alaskan credit union is headquartered.

This facility, which opened on November 1st, has seen strong adoption of interactive ATMs and has been praised for the lack of traditional ATMs. Members can access individual help in the branch via employees who can be reached by video.

“We thought of the future throughout the process and then the current events of COVID happened and we were already on the move to give Alaskans a better way to invest in this environment. The financial center and the state of the world could not have been more symbiotic, ”said Rachel Langtry, chief operating officer of the credit union.

The $ 305 million asset Greater Community Bank in Rome, Georgia, had started a “major expansion renovation” in a market prior to COVID and eventually decided to continue that plan for a larger physical presence, said President and CEO David Lance.

The bank has created space for one-on-one meetings, zoom rooms and more open space to provide a comfortable and safe environment for both employees and customers, he said.

The dynamism of these newer branch concepts, however, comes up against another trend to reduce the number of branches overall. Younger consumers are more comfortable with the technology and less likely to have to visit their bank or credit union in person – but they still want to be able to go to a branch when needed.

“There is an ongoing discussion about how many and what types of stores are working, but it looks like there will be fewer,” said Peter Duffy, general manager at Piper Sandler. “Technology is the bank of millennials. You want to see a branch nearby, but don’t use it. “

Vitality secretary defends Tesla EV tax credit score exclusion

Energy Secretary Jennifer Granholm on Friday defended the Biden government’s proposal to provide tax credits for electric vehicles from unionized automakers, a move that could rule out non-unions Tesla.

“This President is very, very positive about organized labor because organized labor has raised the living standards of so many Americans, and we want to make sure that we do everything we can to encourage that the economy and the labor force really focus on the standards for ordinary Americans, “Granholm told CNBC.Squawk box. “

The tax credit in question would lower the cost by $ 12,500 for a middle-class family who purchases an electric vehicle made in America with U.S. materials and union labor, under the $ 1.75 trillion framework for President Joe Biden’s climate and environmental priorities Social spending. Biden announced the blueprint on Thursday after working out a deal with the Senate Democratic objectors. No details were given beyond the White House factsheet.

Elon Musk’s Tesla is the largest electric vehicle manufacturer and recently launched one $ 1 trillion market valuewhat makes it more valuable than General Motors, ford and several other of the largest global automakers together. The EV Titan’s workforce is not unionized, so Tesla products are not eligible for government tax credits as suggested by the Democrats.

In March it was Tesla ordered by the National Labor Relations Board to urge Musk to remove a threatening and anti-union tweet as the company’s financial records consider Musk’s tweets to be official corporate communications. In the tweet, Musk said his workforce was free to unionize but said they would gain “nothing” because they would lose stock options and pay union dues if they were unionized.

Granholm said Biden is keen to create a level playing field in economic terms.

“He wants to close the prosperity gap in this country,” she said. “He wants to raise the middle class. He wants a policy that builds the middle class from the bottom up and the middle out, not from the top down.” She said the president believes trade unions can help make this happen.

The Energy Secretary also said she was “totally optimistic” about investing in the $ 23 trillion global clean energy market, which she believes will be there by 2030, and said the US could get a share of that market instead of “standing on the sidelines”.

“We haven’t brought more alternatives online. We haven’t put more technology into the vehicles to make them affordable for everyone,” she said. Tesla is often viewed as a luxury automaker.

“So that requires investment,” said Granholm. “That is why the tax breaks that come with incentives for the private sector to go from the fringes when investing in clean energy are so important to moving this forward.”

Be taught to handle cash throughout and after a catastrophe is focus of credit score union workshop |

Pelican State Credit Union is hosting a free virtual workshop on Thursday September 30th that will teach attendees how to manage their money during and after a disaster.

From 7 p.m. the workshop will be streamed on both Zoom and live www.facebook.com/PelicanStateCreditUnion. Participants will have the opportunity to ask questions during the registration process and during the event using Zoom’s Q&A function or the comments section of the Facebook live post.

Topics include disaster-related tips like preparing homes and finances for a natural disaster, rebuilding a home and buying a car after a disaster, and finding additional resources on the way to recovery.

In addition to tips on managing money during and after a disaster, attendees will have their questions answered live by Pelican’s financial outreach team. The workshop will be set up in a “Q&A” format in which participants will have the opportunity to ask questions.

Pelican membership is not required to attend the workshop or ask questions. Register for the event at pelicanstatecu.zoom.us/webinar/register/WN_8eZXDB-fSIWAisfQW08BDw.

Travis Credit score Union Basis brings Mad Metropolis Cash to Benicia Excessive College – Instances-Herald

Last week, the MadCity Money (MCM) program, hosted by the Travis Credit Union Foundation, gave more than 130 students at Benicia High School a glimpse into the unpredictable world of finance.

The virtual workshop provided students with a realistic example of the economic situation and demonstrated the relationship between their decisions and the economic impact of their decisions.

“The reason we bring Mad City Money a little more realistically to Benicia High School (BHS) is to give older people who are about to begin a life in the real world a taste of the financial challenges they face face them as adults and hope that they will win. Then they realize they need to know the rules of the business games of life! “Joan R. Westerman, an economics teacher at Benicia High, said in a press release. “I hope MCM will sensitize them to the economic realities of adults and motivate them to study economics.”

Mad City Money not only helps young people to manage their money effectively, but also helps them better understand how to prevent and manage financial ups and downs. After visiting all of the virtual traders, the students had the opportunity to review their budget and selections with the mentor from the Mad City Money team.

During the discussion, the students reviewed their purchases, talked about savings, and discussed ways to avoid common financial mistakes in the future.

This free educational event is offered virtually or direct by the Travis Credit Union Foundation to meet student needs and provide flexible presentation opportunities to local high schools and nonprofits.

Contact Steward Pimienta Smith (steward.pimienta@traviscu.org) for more information on how to bring Mad City Money to school.

Travis Credit Union Foundation brings Mad City money to Benicia High School – Times-Herald Source link Travis Credit Union Foundation brings Mad City money to Benicia High School – Times-Herald

September baby tax credit score cash arrives however some say IRS shorted them

  • The American bailout plan, which went into effect in March, expanded the child tax credit and offered a new monthly advance payment that the IRS was supposed to issue from July through December.
  • The IRS did not provide a figure for how many families did not receive their monthly tax credit for September or why
  • Parents look at a variety of bills that households without children don’t face. School attire, additional fees for outdoor activities, the high cost of healthy meals, day care, study expenses.

After eight days of delay, some families said they finally received money on Friday to pay the September 15 child tax credit. But not everyone got their money on Friday, and strangely enough, some are complaining that the IRS shorted them out this time.

“We got $ 500. We should get $ 800,” said Travis Mack, 46, who lives in Essex, New Mexico.

The family has three children aged 8, 7 and 4 years.

Mack is happy to finally see money to cover kids’ clothing, family grocery shopping, and other bills, but wonders why the payment isn’t as high as it was in July and August.

The family didn’t receive the September payment on time and he wasn’t sure what had happened.

►You are not alone, says IRS:Didn’t receive your child tax credit in September?

► Fraud warning:Don’t fall for this scam as the IRS child tax credit payouts go to bank accounts

He finally received a partial payment early on Friday afternoon. He said it was $ 250 for the two older children, but nothing for the youngest, which he said should be $ 300.

Mack, who works in the oil and gas industry, said his wife’s income fell by about $ 2,000 to $ 2,500 a month when the pandemic broke out last year and she had to stop working in retail to care for their children Home teaching.

“We did it, but it was a strain on us all along,” he said.

The monthly payment of the child advance payment on September 15th did not reach a large group of families as planned. They waited for the money – and possible answers from the Internal Revenue Service.

The IRS did not provide a figure for how many families did not receive their monthly tax credit for September or why. However, given the numerous complaints on social media platforms and emails to the Detroit Free Press, owned by USA TODAY Netowrk and others, the number seems to be substantial.

Millions of people received their child tax advance on September 15th, but somehow a mishap has lured others into a strange trap.

Many, like Mack, say they received the monthly prepayments in July and August, and then got nothing for September.

Mack found that the family had broken down again in August.

The August payment, then scheduled for August 13, was delayed for more than 4 million people who ended up receiving checks for their August child tax prepayment, rather than a direct deposit as in July.

As suggested, after receiving the August payment in the mail, Mack went online to IRS.gov to verify that his direct deposit information was correct.

Shavaun Tringali, 38, said she too finally received money early Friday, but her payment was close to $ 100. The mother from Roseville, Michigan, had expected $ 250 for her 15-year-old daughter, Chloe Fink.

“Shorted!” Tringali sent me an email. “And it doesn’t make sense why!”

The story continues below.

Earlier this week, many families who did not receive the money expressed great concern about the robbery.

I heard from a grandmother in Tennessee who said the money is needed in her family in the face of the pandemic and a COVID-19 outbreak.

“We expected this money to help us all month, but to our great surprise it never showed up in our bank like the first two,” said Crystal Redmer of Tennessee.

“The best part is that when we try to check it on the portal, it is authorized and it shows the payments for July and August but it doesn’t show anything for September,” she said on Tuesday.

A father of a family of five also said their phone service was now turned off because they thought they could use the September 15 money to pay the bills.

Some parents said they hadn’t had any problems in the previous two months, but then they adjusted the address or direct deposit information using the tool at IRS.gov and had problems with the payment in September.

The story continues below.

Parents, of course, look at a variety of bills that households without children don’t face. School attire, additional fees for outdoor activities, the high cost of healthy meals, day care, study expenses.

In late September, the IRS said, “We are aware of cases where some people still haven’t received their payments in September, even though they received payments in July and August.”

The IRS then went on to say, “These individuals may not yet be able to get updated status on the IRS.gov Update Portal. The IRS is currently investigating this situation and we will share more information as soon as possible.”

The American bailout plan, which went into effect in March, expanded the child tax credit and offered a new monthly advance payment that the IRS was supposed to issue from July through December.

The next monthly payments are scheduled for October 15th, November 15th and December 15th.

Worrying is when you expect money to arrive and not to arrive.

While the IRS faces a number of challenges – including staff shortages – families get into real financial straits when the system leaves them hanging.

Many people who receive the loan are gainfully employed, but some who have no income also qualify. Rising costs for groceries, gasoline, and other expenses are only adding to the strain on household budgets.

A job that pays $ 15 an hour still only makes about $ 600 a week before tax – or $ 31,200 a year – when you can work 40 hours a week for a year.

Working families get full credit when they earn up to $ 150,000 for a couple or up to $ 112,500 for a family with a single parent (also known as the head of the household).

Most families automatically receive monthly payments of $ 250 for children ages 5 and under, or $ 300 each for older children, with no action taken.

The American Rescue Plan increased the maximum child tax credit from $ 2,000 per child to $ 3,000 for children over the age of six and from $ 2,000 to $ 3,600 for children under six. The age limit has been raised from 16 to 17 to cover more young people.

Only half of the balance will be paid out in monthly installments in 2021. The rest will be provided when families file their 2021 income tax returns in 2022.

ContactSusan Tompor vhe stompor@freepress.com. Follow her on Twitter@tompor.

Stimulus Cash Minimized Impression Retail Closures Had on Retailer Credit score Playing cards

Pheelings Media / Getty Images / iStockphoto

Despite limited access to physical stores at the start of the pandemic, retail credit card-backed securities have not and have not been affected by store closures lead to increased failures, according to data from Fitch Ratings.

Stimulus update: Child tax credit & Golden State money has been sent, find out where yours is
Continue reading: Petition for 4th Stimulus for Monthly Payments of $ 2,000 Reaches 2.9 million signatures

After three rounds of stimulus, more Americans were able to put cash into savings or on outstanding debt. A study by Northwestern Mutual found that personal debt has fallen by more than 20% since 2019.

“The fact that people are making significant strides in deleveraging is encouraging to see, especially at a time when many are still recovering from the financial impact and uncertainty caused by the COVID-19 pandemic,” Christian said Mitchell, Executive Vice President & Chief Customer Officer at Northwestern Mutual.

Fact check: Will there be a fourth stimulus check?

The performance of the retail credit card trust is largely influenced by consumer strength. While fees slowed at the beginning of the pandemic, they have since increased to higher levels than they were before the pandemic. Fitch Ratings cites consumer willingness to use federal unemployment benefits and individual stimulus checks to help settle credit card debt.

According to Fitch’s retail credit card index, the 12-month average of late payments of 60 days or more fell from 2.78% in March last year to 1.77% in August. Withdrawal rates are still low with a 12-month average of 4.92% (as of August 2021 from 7% in March 2020) The increase in credit card balances continues to show an upward trend.

Discover: Credit card advice you absolutely need
To learn: Millennials and Generation Z Financial Confidence Raised 60% During COVID-19

Fitch Ratings also noted that as the delta variant spreads, it is too early to say if the balance continues to rise and Consumer confidence is falling. Retail cards also have a lower consumer payment priority.

The story goes on

More from GOBankingRates

Last updated: September 23, 2021

This article originally appeared on GOBankingRates.com: Stimulus Money minimized the impact of retail closures on store credit cards

Husband is making an attempt to destroy my credit score earlier than we divorce: cash recommendation.

Pay Dirt ist die Geldberatungskolumne von Slate. Eine Frage haben? Schicke es hier an Athena und Elizabeth. (Es ist anonym!)

Lieber Pay-Dreck,

Ich habe ein Dilemma bezüglich meines Mannes und meiner Kreditwürdigkeit. An den Feiertagen holte ich eine Kaufhauskarte heraus. Ich habe weder die Karte noch eine Abrechnung erhalten. Ich habe im Dezember und Januar über seine Website an den Laden geschrieben und nie eine Antwort erhalten. Meine Kreditwürdigkeit war damals 750. Ich fand heraus, dass es über 100 Punkte gefallen ist. Ich habe gerade diese Woche eine Rechnung aus dem Geschäft vom Juni gefunden, als ich nach Hypothekeninformationen suchte. Die Rechnung war hinter den Schreibtisch meines Mannes gefallen und lag unter der Fußleistenheizung. Mein Mann möchte sich trennen, aber ich denke, er versucht absichtlich, meine Kreditwürdigkeit im Voraus zu ruinieren. Wie gehe ich jetzt vor? Bezahle ich nur die Rechnung? Versuche ich mit jemandem zu sprechen? Gehe ich zu einer Kreditauskunftei, um Dinge zu reparieren? Mein Mann bestreitet alles, aber ich glaube ihm nicht.

—Zum Trocknen aufgehängt

Lieber zum Trocknen aufgehängt,

Das erste, was Sie tun müssen, ist, das Unternehmen anzurufen, zu erklären, was passiert ist und die Karte zu schließen. Wenn Sie sich mit einem ersten Kauf im Geschäft angemeldet haben, wussten Sie, dass dieses Konto über ein Guthaben verfügt, und ich empfehle Ihnen, diesen Betrag so gut wie möglich nach unten auszuhandeln. Es ist frustrierend, dass niemand auf Ihre Online-Anfragen geantwortet hat, aber Sie hätten die Kundenservice-Hotline anrufen sollen, nachdem Sie keine Antwort erhalten haben. Wenn Sie beim Öffnen nichts berechnet haben, melden Sie den betrügerischen Kauf, wenn Sie das Unternehmen anrufen. Das Unternehmen hat so viele Tage Zeit, um die Belastung rückgängig zu machen. Wenn das nicht funktioniert, Schreiben Sie an die Kreditauskunfteien. Sie benötigen einen Nachweis über Ihre Kommunikation mit dem Unternehmen und alle Schritte, die Sie unternommen haben, um das Problem zu beheben. Sie sollten alle Aufzeichnungen während dieses Prozesses aufbewahren und ein besseres System für die zukünftige Überwachung Ihrer Rechnungen finden.

Dann möchten Sie Ihre kostenlose jährliche Kreditauskünfte von den drei Büros und gehen Sie mit einem feinen Kamm darüber. Ein Rückgang Ihrer Kreditwürdigkeit um 100 Punkte ist ziemlich signifikant, und Sie müssen sich bewusst sein, ob noch etwas dazu beigetragen hat. Wenn Ihr Ehemann in Ihrem Namen Schulden aufgenommen hat, ist es besser, dies jetzt zu wissen als vor dem Scheidungsverfahren. Verschiedene Staaten haben unterschiedliche Gesetze darüber, wie mit Schulden während einer Scheidung umgegangen wird, deshalb sollten Sie Ihren Anwalt diesbezüglich fragen. Vielleicht möchten Sie auch vorübergehend frieren Sie Ihr Guthaben ein und ändere deine Passwörter auf allen Konten, die nicht geteilt werden. Viel Glück.

Lieber Pay-Dreck,

Ich bin der Autor, der sich meldete über die Ehe. Ich habe Ihre Antwort sehr geschätzt! Ich werde das EAP meines Unternehmens verwenden, um mit einem Anwalt zu diskutieren, und mein Verlobter und ich haben ein solides Gespräch über die Feinheiten unserer Finanzen mit Familienmitgliedern geführt.

All das heißt, jetzt hat er eine Frage zum Gespenst des Studienkredits. Ich habe keine, und er hat 35.000 Dollar. Er macht sich keine Illusionen, dass Joe Biden wird seine Kredite zurückzahlen, noch erwartet er von mir einen Beitrag (und wäre beschämt, wenn ich es versuchen würde). Aber er hat seine Studienkredite während des COVID-Moratoriums nicht bezahlt und hat es nicht eilig, den durchschnittlichen Betrag zu überschreiten, den er monatlich zahlt (über 300 US-Dollar, einschließlich Zinsen), sobald dies wieder aufgenommen wird – obwohl er über 15.000 US-Dollar an Ersparnissen verfügt.

Ich verstehe, Einsparungen sind hart verdient. Tatsache ist jedoch, dass die winzigen Zinsen, die er verdient, wenn er das Geld auf der Bank hält, von den Zinsen übertroffen werden, die sich zusätzlich zu seinen Studienkrediten ansammeln. Wäre es nicht besser, einen guten Teil dieser Ersparnisse zu nehmen, um die Schulden zu begleichen? Ich schlage nicht vor, dass er den Inhalt seines Kontos unterschreibt, aber es würde sich sicherlich auszahlen, mehr von diesen Schulden von seinem Teller zu bekommen? Seine anderen Finanzen sind in Ordnung. Oder soll er einfach seine monatliche Zahlung erhöhen?

—Mein Verlobter verdreht die Augen, während ich das schreibe

Liebes Augenrollen,

Aaaah! Ich freue mich sehr, wieder von Ihnen zu hören und freue mich, dass die Resonanz gut angekommen ist. Es hört sich so an, als ob es den Dialog für ein positives Finanzgespräch eröffnet hätte, was genau das war, was diese Situation brauchte!

Kommen wir nun zu den Studienkrediten, die Biden nicht zahlen wird. Ihr Verlobter hat Recht, wenn er sich weigert, sein Sparkonto aufzulösen, um seine Studienkredite zu bezahlen. Sie haben absolut Recht, wenn Sie sagen, dass einige tausend Dollar beeinflussen, wie viel er während der Laufzeit seines Darlehens zahlt. Aber im Moment würde ich es nicht empfehlen. Wenn uns die letzten anderthalb Jahre etwas gelehrt haben, dann ist es, dass unsere Wirtschaft im Handumdrehen umgedreht werden kann. Es ist jetzt wichtiger denn je, sicherzustellen, dass Sie über einen Notfallfonds verfügen, der die Ausgaben für drei bis sechs Monate decken kann. Es ist fantastisch, dass er über 15.000 Dollar hat, aber ich würde es nicht anfassen.

Es gibt noch ein paar Möglichkeiten, wie er den Betrag, den er im Laufe der Zeit zahlen wird, verringern kann. Sie haben bereits eines erwähnt: Erhöhen Sie seine monatlichen Zahlungen. Er kann mit dem beginnen Schulden-Schneeball-Methode, und sobald er sieht, wie schnell sich die zusätzlichen Zahlungen summieren, wird er versucht sein, seine Zahlungsbeträge noch weiter zu erhöhen. (Dies ist eine besonders gute Strategie, wenn er bereits die Sechs-Monats-Marke für Notfalleinsparungen erreicht hat.) Er kann auch nachsehen seine Studienkredite refinanzieren, möglicherweise den Zinssatz senken. Und schließlich sollte er dafür sorgen, dass seine Ersparnisse in einem ertragsstarkes Konto. Lass mich wissen, wie es funktioniert!

Geldberatung von Athena und Elizabeth, wöchentlich geliefert.

Lieber Pay-Dreck,

Mein Vater starb, als ich in der Grundschule war. Ich erhielt einen bescheidenen Betrag an Lebensversicherungsgeldern, den meine Mutter auf ein Anlagekonto einzahlte. Sie würde Geld von diesem Konto abheben, um in meinem Namen Dinge zu bezahlen – wie Kleidung oder die Privatschule, auf die sie mich schicken wollte. Sie entschied sich, nicht zu arbeiten, und ihr neuer Ehemann war oft arbeitslos oder unterbeschäftigt. Wir lebten im Grunde alle von den Leistungen meiner Hinterbliebenen der sozialen Sicherheit. Sie hat mich finanziell abgeschnitten, sobald ich die High School abgeschlossen hatte und die Leistungen aufhörten (also habe ich sie vielleicht finanziell abgeschnitten?).

Obwohl ich sehr genügsam lebte, war das Konto am Ende des Colleges auf fast die Hälfte geschrumpft, was ich ursprünglich erhalten hatte, aber ich habe es seitdem nicht mehr angerührt. Jetzt ist das Guthaben fast wieder auf dem ursprünglichen Betrag, den ich von meinem Vater erhalten habe.

Ich bin finanziell nicht sehr gebildet, aber mein Mann ist es. Er hat klug in den Aktienmarkt investiert, so dass er sich jetzt zurückziehen könnte, wenn er wollte (er ist Anfang 40). Ich habe ehrlich das Gefühl, dass er mein Geld genauso sinnvoll, wenn nicht sogar besser anlegen könnte als den Investmentfonds, aber ich habe eine emotionale Bindung zu diesem Geld, weil es im Grunde alles ist, was ich von Papa übrig habe. Außerdem habe ich aufgrund von COVID nicht daran gearbeitet, unsere Kinder beobachten zu können. Ich mag es, meinen eigenen Notgroschen zu haben, zumal ich nur zu gut weiß, dass meinem Mann jederzeit etwas passieren kann. Falls die Dinge aus irgendeinem Grund in den Süden gehen sollten, hätte ich zumindest für ein oder zwei Jahre genug, um über die Runden zu kommen.

Ich denke, ein Grund für mein Zögern, meinen Mann mein Geld anlegen zu lassen, liegt zum Teil im finanziellen Missbrauch durch meine Mutter, und ich wäre auch am Boden zerstört, wenn etwas passiert, weil es von meinem Vater kommt. Ich vertraue meinem Mann voll und ganz, aber ich stoße immer wieder an eine Wand, wenn ich versuche zu entscheiden, was ich mit diesem Geld anfangen soll. Soll ich es auf demselben Konto belassen, es meinem Mann überlassen oder etwas ganz anderes tun?


Liebes Blutgeld,

Es tut mir leid, dass Ihr Vater gestorben ist, als Sie noch so jung waren. Meine Mutter starb im ersten Jahr an der High School, und ich hatte eine Familie, die mich für meine Sozialversicherungsschecks benutzte. Es nervt. Aber bitte wissen Sie, dass Ihre Mutter Sie finanziell abgeschnitten hat und nicht umgekehrt.

Aufgrund der Geschichte des finanziellen Missbrauchs, den Sie in Ihrer Vergangenheit erlitten haben, ist es völlig gerechtfertigt und verständlich, dass Sie Ihren Notgroschen von Ihrem Ehemann fernhalten wollen. Alle Frauen sollten ihr eigenes Geld beiseite legen, egal ob sie glücklich verheiratet sind, den Ausgang im Auge haben oder eine Katzendame von einer. Eine Ehe ist nicht gleichbedeutend mit finanzieller Sicherheit, insbesondere für eine Frau. Alles kann passieren, und Sie möchten Ihr eigenes Geld haben, das leicht zugänglich ist.

Ich denke, du solltest einen einstellen zertifizierter Finanzplaner um Ihnen zu helfen, Ihr Erbe zu übergehen und eine Anlagestrategie zu entwickeln, mit der Sie sich wohl fühlen. CFPs können entweder sein kostenpflichtig, wo Ihnen eine Pauschalgebühr für die Nutzung ihrer Dienste in Rechnung gestellt wird oder sie Provisionen aus Finanzprodukten verdienen können, die sie für Sie verkaufen oder verwalten. ich würde mit a anfangen CFP der regelmäßig Ihr Portfolio verwaltet und mit Ihnen zusammen eine Finanzstrategie entwickelt, mit der Sie sich wohl fühlen. (Sie können auch Freunde fragen oder lokale Social-Media-Foren nach Empfehlungen für vertrauenswürdige CFPs durchsuchen.) Ich freue mich auf Sie und Ihre neue Investitionsreise!

Lieber Pay-Dreck,

Seit meinem Abschluss an der Graduiertenschule im Jahr 2011 arbeite ich Vollzeit für dieselbe gemeinnützige Organisation und bezahle ständig meine Bundesstudiendarlehensrechnungen (bis zur COVID-Befristung, die letztes Jahr begann). Ich habe jeden Monat das Minimum bezahlt, was die Zinsen kaum kratzt. Ich hoffe, dass meine Kredite im Rahmen der Programm zur Vergebung von Darlehen im öffentlichen Dienst innerhalb des nächsten Jahres.

Meine Darlehen belaufen sich auf 92.000 US-Dollar – fast 20.000 US-Dollar mehr als bei meinem Abschluss. Und ich habe gerade erfahren, dass meine Kredite auf einen neuen Kreditnehmer übertragen werden. Das letzte Mal, als das passierte, „verlor“ ich etwa ein Jahr an qualifizierenden Zahlungen, was mich um ein weiteres Jahr zurückwarf und mir große Angst machte. Ich möchte nicht, dass dies noch einmal passiert; Ehrlich gesagt möchte ich nicht mehr bezahlen, als ich bereits habe! Es war ein großes Gewicht um meinen Hals, das mich direkt daran hinderte, Geld zu sparen, Eigentum zu besitzen, eine Familie zu gründen oder aus dem gemeinnützigen Sektor auszusteigen, aus Angst, die Kreditvergabe zu verlieren. (Ja, ich bedaure, zu glauben, dass ich diesen Abschluss brauchte – eine große Zeit.) Wenn mir die Kreditvergebung nicht gelingt, sehe ich keinen Ausweg aus diesem Loch. Ich würde gerne einen vertrauenswürdigen Beratungsdienst für Studienkredite finden, der mir dabei hilft, und ich sehe Unternehmen, die Hilfe anbieten, aber ich bin mir nicht sicher, welchen ich vertrauen soll. Ich werde jeden Rat, den Sie für mich haben, aufsaugen.

—Gefangen in einer bodenlosen Grube

Liebe Gefangene,

Das Problem mit dem PSLF-Programm ist, dass es eines Tages kann es nicht mehr geben. Es gibt Millionen andere, die hoffen, dass das Programm noch läuft, wenn ihre Kredite vergeben werden. Sie sind also nicht allein mit Ihrer Angst, mit diesen Schulden für immer hier festzusitzen.

  1. Ich habe ein Land mit einer beunruhigenden Geschichte geerbt

  2. Mein Partner und ich führen einen Finanzkrieg wegen Eistees

  3. Eine Diamantkette zerreißt meine Familie

  4. Mein Onkel hat eines der Strandhäuser meiner Familie beschlagnahmt

Wenn Ihre Kredite an einen neuen Dienstleister übertragen wurden, sollte dies in der genau dokumentiert worden sein Nationales Datensystem für Studienkredite. Die Informationen liegen in der Regel innerhalb von zwei Wochen nach der Kreditübertragung vor, sodass Ihre Zahlungen zum Zeitpunkt der Benachrichtigung für das PSLF-Programm korrekt dokumentiert sein sollten. Gab es eine Lücke in den Unterlagen, die an das Bildungsministerium geschickt wurden? Ich erwähne dies, denn wenn es ein Fehler auf der Seite des Verwalters war und nicht bei Ihnen, könnten Sie diese Zahlungen möglicherweise auf den Betrag anrechnen lassen, den Sie für die Vergebung benötigen. Es ist Ihre Zeit wert Telefon abheben und versuche ein paar Antworten zu bekommen.

Wenn das nicht hilft, empfehle ich einen Termin mit dem Nationale Stiftung für Kreditberatung. Es ist die größte gemeinnützige Beratungsstelle in den Vereinigten Staaten und hilft bei Kreditproblemen sowie bei Studienkrediten. Ich möchte Sie um Rat zum PSLF-Programm, zu den fehlenden Zahlungen und zum Umgang mit den Studentendarlehensschulden bitten, bevor Sie versuchen, sich bei einem privaten Kreditgeber oder anderen Optionen zu refinanzieren, die in Ihren Ziel-Google-Ergebnissen angezeigt werden könnten. NFCC kann möglicherweise auch auf andere Programme oder Ressourcen verweisen, die Ihnen helfen können. Und merke dir: Du bist nicht allein.


Einführung in die So geht’s Podcast

Ihre wildesten Fragen zu Sex-Ratschlägen werden jetzt in Ihren Kopfhörern beantwortet. Hören Sie jeden Sonntag neue Folgen mit Stoya und Rich, mit exklusiven Folgen für Slate Plus-Mitglieder montags.

College students to obtain each day $50 Meal Cash credit score from Aug. 24 to 29 following eating service shortages – The Vanderbilt Hustler

The $ 50 Summer / Vacation Plan credit will expire at the end of each day. Students also receive a one-time credit of $ 15 in their meal money fund that does not expire.

During lunch at the E. Bronson Ingram Dining Hall, the students stood in a row toward Kirkland Hall. Image taken on Aug. 21, 2020. (Courtesy photo by Jason Hwong).

To compensate for the dinner shortage, Campus Dining announced on August 23 that students would receive a $ 50 daily credit from August 24-29, which expires at the end of each day. In addition, they will receive a one-time rollover credit for meal money of $ 15. Dining room dispensers will continue to be available and meal credit can be redeemed at any Taste of Nashville partner restaurant or Grubhub location.

“We’ve heard your feedback and are aware of the unacceptably long lines and product shortages,” said Campus Dining opinion read. “We assume that these expanded options will reduce the workload for both the cafeteria staff and the students, and will enable our operations to build up stocks again for next week.”

Second year Anjali Raman, who tried to use the $ 50 balance today, has been charged through her Meal Money fund, which currently only has the $ 15 balance available, rather than the summer / vacation plan which is currently not visible in the GET app. Campus Dining did not immediately respond to The Hustler’s request for comment on the matter.

Regarding future improvements, Campus Dining said in its statement that it is working to fix supply chain disruptions such as late or incomplete deliveries and other backup issues. In addition, a “Commissary Kitchen” has been built on campus to reduce waiting times for Rand Grab & Go Market orders. Dining rooms will also offer additional food lines to increase service efficiency. Campus Dining did not immediately respond to The Hustler’s request to comment on these changes.

On August 23, E. Bronson Ingram’s (EBI) dining room and Kissam kitchen experienced a food shortage during dinner. Second year Jason Hwong said EBI ended dinner service around 7:00 p.m. CDT, 30 minutes before regular closing. Kissam closed at approximately 7:20 p.m. CDT, 1 hour and 10 minutes before regular closure.

On August 21, Campus Dining closed all dining rooms for dinner service, so students had to purchase dinner off campus with either meal money or personal funds. According to Campus Dining’s website, the student meal plans were activated that day.

Hwong expressed frustration with the decision, citing that early moving students – including RAs, VUceptors, orientation leaders, and new international and transfer students – have relied on dining room access since arriving on campus.

In an email to Campus Dining, Vice Chancellor David ter Kuile and Vice Chancellor of Administration Eric Kopstain, Hwong outlined his concerns about the restaurant operations and copied ten students who were also unable to eat with food punches that evening, and asked to be included in the recording The conversation.

“Those who from the [Aug. 21], regardless of when they moved in, should not be forced to spend meal money or out-of-pocket meals that should be provided by the school, “Hwong said in the email. “We are paying to be able to use these food expenditures, and it is totally unacceptable that no dining rooms are open at a time when the meal plan is in effect.”

In the future, Hwong emphasized the need for a “productive” dialog between students and campus dining.

“I would also like to make it clear that while monetary compensation is an important and necessary step to remedy the previous deficits of Campus Dining, it is more important to implement meaningful changes in the gastronomic offerings that address the problems we have experienced, actually fix it. ”“ Hwong said.

This article will be updated with responses from Campus Dining.

Credit score Karma integrates Cash software program with QuickBooks On-line Payroll

Credit Karma, the consumer technology platform that provides spending and savings solutions, has a new integration with Intuit software. Credit Karma Money is now linked to QuickBooks Online Payroll.

Intuit acquired Credit Karma in a blockbuster deal for $ 8.1 billion in 2020. This new software integration is the second between the two companies since the deal, the first being an integration with TurboTax.

The Credit Karma Money-QBO Payroll integration enables small business employees to deposit their paychecks into a Credit Karma Money Spend account through their QuickBooks Workforce employee portal.

“When we partnered with Intuit, we knew there would be opportunities for our companies to work together to build a more holistic financial ecosystem where members can manage all aspects of their finances in one place and their paycheck is one important part of it, ”said Ken Lin, founder and CEO of Credit Karma, in a statement. “This integration will allow us to reach out to small businesses and provide an overall better review and savings experience for their employees, many of whom live paycheck to paycheck.”

“More than 70% of employees paid through QuickBooks Online Payroll are hourly wage earners who earn less than $ 50,000 a year,” said Laurent Sellier, vice president and business leader, Intuit QuickBooks Online Payroll, in a statement. “The integration between Credit Karma Money and QuickBooks Payroll will make it easier for small business employees to manage their money and keep more money in their pockets.”

In fiscal 2020, QuickBooks Payroll products processed payments for more than 15 million employees, who account for more than $ 208 billion in payroll annually, Intuit reported. The goal of this initial integration with QuickBooks Online Payroll is for Credit Karma, the largest company to date, to scale quickly.

Future plans include Credit Karma Money integration with QuickBooks Desktop Payroll, which will give more small businesses the option to open a Credit Karma Money Spend or Save account and, for some, the option to receive paychecks up to two days in advance of their intended use Payday.

Marco Rubio: Little one Tax Credit score Lets Mother and father Preserve Their Personal Cash

Aug. 13, 2021 3:15 p.m. ET

Jason L. Riley’s comment “Biden is delivering Obama’s third term“(Aug. 10) claims that allowing working parents to keep more of their hard-earned money is” a redistribution of wealth in the form of a government-guaranteed basic income. ”

The reasoning doesn’t make sense. The alternative to a tax code that allows working parents to keep more of their money is a tax code that allows the government to confiscate and redistribute more of that hard-earned money.

It is about the misrepresentation of my proposal to extend the child allowance for working parents. In 2017, despite opposition from many in my party and the editorial page of the journal, I worked with Sen. Mike Lee and Ivanka Trump to double the recognition under the Tax Cut and Jobs Act. By some estimates, the changes helped the average family of four keep an additional $ 2,900 per year of their own money.

This is not a redistribution; it’s common sense. Fortunately, Senate Republicans agree and unanimously voted in March to expand credit beyond the TCJA level to up to $ 3,300 per child, including $ 4,200 for children under 6 years of age. But it is an offset against taxes paid, which means work is required.

The new child benefit of the Biden government, on the other hand, is a redistribution of wealth and the first step towards a universal basic income, as it does not include any work obligation. For example, in the next six months, some American households with no working adults will receive more than $ 6,000 in cash payments from the federal government.