The power of Biz Kid$ financial education grants

first_img 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Biz Kid$ is a powerful youth financial literacy tool that is available for credit unions through the National Credit Union Foundation.  Biz Kid$ is a financial literacy initiative launched nationally in January 2008 that teaches kids about money and business.The initiative includes an award-winning TV series, free classroom curriculum, outreach activities, and a website (bizkids.com) targeting children 9 – 16 years old.  The number one goal of the Biz Kid$ financial literacy initiative is to teach kids from upper elementary through high school to understand and incorporate the skills they need to successfully manage their financial lives.For the past few years, the Foundation has distributed about $100,000 in grants annualy to credit union organizations provide the tools needed to implement the Biz Kid$ program into communities and encourage kids to save and manage their money. One goal of the Foundation’s Biz Kid$ Financial Education Grants is to extend the reach of the series beyond broadcast into the community. This is the fourth year these grants are distributed, and so far the results have been amazing. continue reading »last_img read more

Pattaya Sport Club Golf Schedule – Friday August 2, 2019 –…

first_imgPhoenix PattaviaPattayaC.C. Valley View HackersGreen Valley Siam Old CouresSiam Old Coures TBA Laem Chabang The Golf ClubParichat Lewiinski’sSiam Old Coures Greenwood Eastern Star Harry’s Golf Green Valley Apple’s IrishTBA Cafe Kronborg Pattana Treasure Hill Billabong GolfBurapha TBA Outback Golf Bar TBA Tropical GolfKhaoKheow Colin’s GolfBangpakongGreen Valley Bangpra The LinksPattana Retox Game OnPattaviacenter_img DATE: Fri2Set 3Sun4Mon5Tue6Wed7Thu8Fri9 I Rovers Le KataiPleasant Valley Green ValleyPattaviaGreenwoodParichat Green ValleyGreen Valley Pleasant ValleyKhaoKheow Growling Swan The Players Lounge PSCThe next PSC monthly golf tournamentwill be a 4-person Texas-Scramble at Parichat G.C. on August 15 Siam Country Green ValleyBurapha TBATBA GreenwoodGreenValleyKhaoKheowEasternStarPleasant Valley Eastem StarCrystal Bay Sugar ShackCrystal Bay Bunker BoysTreasure Hill GreenwoodPattayaC.C. Pattana Treasure HillKhaoKheow Greenwood Crystal Bay PattaviaThe Emerald The Bunker Boys meet at Woody’s Bar on Soi Skaw Beach for golf outings every Monday, Wednesday and Friday (www.bunkersociety.com) or call 094368 3580, 081 788 2338 or 087 693 7803. Transportation leaves from Cafe Kronborg on Soi Diana Inn at 8:15 a.m. on Mondays and Thursdays, (contact Dave on tel. 038 602 2117). Colin’s Bar plays golf Sun/Mon/Wed & Fri (www.colinsbar.com). The Growling Swan plays golf on Monday & Thursday (www.thegrowlingswan.com). Lewinski’s in Soi Pattayaland 1 (Soi 13/3), play Mondays, Wednesdays and Fridays. Transport is available, call Marcus on 089 503 9179 for further information and booking. The Pattaya Links Hotel Golf Society departs from Soi Buakhao on Monday, Wednesday and Friday. Call Phil on 0625 933 380 or visit www.thelinkshotelpattaya.com. The Golf Club is located on Soij LK Metro. Call Phil on 090 769 3778.  Tropical Golf meets at BJ’s Holiday Lodge at 8am on Tuesday’ & Friday. Call Derek on 089 034 0629. Retox Golf – Tel. (Paul) 0923744276, Email [email protected]last_img read more

STABLE NOTES BY ED GOLDEN – SATURDAY FEBRUARY 25, 2017

first_imgDORTMUND COULD RUN IN TRIPLE BENDDortmund, the 2015 Santa Anita Derby winner recently transferred by owner Kaleem Shah from trainer Bob Baffert to Art Sherman, could make his first start for Sherman in next Saturday’s Grade I Triple Bend Stakes if he’s ready for the seven furlong race.“He worked five-eighths in 59 the other day and went really well,” said Art’s son and assistant, Alan, of a breeze at Los Alamitos on Wednesday. Los Alamitos head clocker Russ Hudak said the five-year-old son of 2008 Kentucky Derby winner Big Brown “looked good.”“He might run in the Triple Bend, I’m not sure. It might come up too quick,” Alan said. “I just don’t know if we’ll have him quite tight enough for that, but he’s getting close.”As to two-time Horse of the Year California Chrome, retired to stud at Taylor Made Farm in Kentucky following his farewell race in the Pegasus World Cup Invitational at Gulfstream Park on Jan. 28, the six-year-old California-bred is enjoying himself.“He’s doing great,” Alan said. “He’s bred to two mares every day and loving life.” Jerry Hollendorfer9218111820%51%$1,331,108 Stewart Elliott10611131610%38%$533,282 GRAZEN SKY STRETCHES OUT AGAIN IN TIZNOWGrazen Sky, a consistent son of the hard-hitting sire Grazen, returns to a one mile race Sunday when the stretch-running gray runs in the $100,000 Tiznow Stakes for California-bred or sired horses.Owned and bred by Nick Alexander and trained by Steve Miyadi, Grazen Sky was second last out going seven furlongs in the Cary Grant Stakes for state-breds Nov. 20 at Del Mar. His three races prior to that were at a mile, winning one at that distance in an overnight event at Del Mar last July 15.“There’s nowhere else to run him,” Miyadi said in explaining the move. “It could be a sloppy track and we’ll find out if he likes the mud.”Grazen Sky has won four of 19 starts, with eight seconds and four thirds, good for $392,638 in earnings.The field for the Tiznow, which goes as the eighth of nine races: Indygo Holiday, Martin Pedroza, 20-1; Magic Mark, Joe Talamo, 5-2; Patriots Rule, Israel Ocampo, 8-1; Solid Wager, Victor Espinoza, 3-1; Acceptance, Stewart Elliott, 4-1; Grazen Sky, Tyler Baze, 4-1; and Avanti Bello, Flavien Prat, also 4-1. Peter Miller742017727%59%$1,069,715 Mark Glatt54911717%50%$400,570 John Sadler41781017%61%$465,304 Mike Smith37123932%65%$1,192,159 Tyler Baze16530341818%50%$1,413,051 BAL A BALI TRAINING UP TO KILROE MILEBal a Bali, who worked seven furlongs on Santa Anita’s fast main track Friday in 1:26.80, is training for his return to the races in the Grade I Frank E. Kilroe Mile on March 11.The seven-year-old Brazilian-bred full horse has not raced since finishing eighth in the Grade I Gold Cup at Santa Anita going a mile and a quarter on dirt last June 25.“I don’t have an option but to train up to the race,” said Richard Mandella, who conditions the son of Put It Back for Calumet Farm. “It’s the only thing I’ve got to do with him, and he’s a good horse, so I’m going to give it a go.”Bal a Bali was third in the 2016 Kilroe behind What a View and runner-up Bolo, who worked  five furlongs on the main track today in 1:00.80 for Carla Gaines, who has the son of Temple City ticketed for this year’s Kilroe. Flavien Prat15837242823%56%$2,447,134 Richard Baltas9016151418%50%$843,117 Tiago Pereira751071013%36%$306,130 Rafael Bejarano9918151718%51%$983,493 Joseph Talamo1021481714%38%$461,108 BAL A BALI TRAINING FOR GRADE I KILROE MILE William Spawr2192243%62%$264,271 Victor Espinoza43911621%60%$610,292 Martin Pedroza809161411%49%$428,288center_img J. Keith Desormeaux3372521%42%$435,960 Kent Desormeaux10121121021%43%$1,268,091 DORTMUND ‘GETTING CLOSE’ FOR TRIPLE BEND Vladimir Cerin3387624%64%$283,374 Peter Eurton4285419%40%$445,269 Philip D’Amato611371021%49%$809,080 Norberto Arroyo, Jr.75117615%32%$575,940 Trainer             Mts1st2nd3rdWin%ITM%Money Won JockeyMts1st2nd3rdWin%ITM%Money Won Doug O’Neill10611221910%49%$1,026,406 GRAZEN SKY BACK AT A MILE IN TIZNOW STAKES Bob Baffert4296721%52%$884,686 Luis Contreras8810102311%49%$487,192 Santiago Gonzalez9110121111%36%$462,642 (Current Through Friday, Feb. 24) FINISH LINES: Stewart Elliott, on becoming the 68th winner of the prestigious George Woolf Memorial Jockey Award: “It’s a great honor, especially because it comes from my peers.” The 51-year-old Toronto native, winner of more than 4,700 races including the 2004 Kentucky Derby aboard Smarty Jones, will receive his award in a Winner’s Circle ceremony at Santa Anita next month . . . Breeders’ Cup Juvenile Fillies winner and 2016 Eclipse champion in that category Champagne Room worked four furlongs on the main track Saturday in 47.60. Trainer Peter Eurton has her pointed to the $75,000 China Doll Stakes at a mile on turf March 11 . . . Imperative worked six furlongs on the training track in 1:16.40 for Bob Hess Jr. who is preparing the winner of more than $2 million for the Santa Anita Handicap . . . Streaking Grade II winner Vale Dori, working for the Grade I Santa Margarita Stakes March 18 and a possible meeting with Breeders’ Cup Filly and Mare Sprint winner and Eclipse champion Finest City, went six furlongs for Bob Baffert in 1:15 . . .To view uncut morning workout videos, visit XBTV.com, under the video on demand link; http://www.xbtv.com/video-on-demand/workouts/ . . . Dan Ward, assistant to Jerry Hollendorfer, reports two-time champion Songbird “sounder than ever” as she prepares for her four-year-old campaign. The daughter of Medaglia d’Oro currently is jogging two miles daily . . . Team O’Neill has horses running on four fronts this weekend: Qatar (where trainer Doug O’Neill is with Royal Albert Hall), the Fair Grounds, Golden Gate Fields and Santa Anita  . . . Dawn Wells, known to millions as Mary Anne on one of the most popular sitcoms in television history, CBS’s Gilligan’s Island, will present the trophy to the winning connections of today’s Sensational Star Stakes, along with Bill Spawr, who trained the multiple stakes winner for which the third race is named . . . All THOROUGHBREDS members at Santa Anita on Big ‘Cap Day, March 11, will receive a free Santa Anita umbrella with paid admission while supplies last. There will be a $1 million guaranteed Late Pick 4 and a $100,000 guaranteed Pick 6. First post time is 12 noon. Admission gates open at 10 a.m. SANTA ANITA STATISTICSlast_img read more

Thanksgiving Requires a Receiver

first_img(Visited 252 times, 1 visits today)FacebookTwitterPinterestSave分享0 Gratitude confers many benefits, but only makes sense if there is someone to be thankful to.Today is Thanksgiving Day in the United States, one of the favorite holidays for many Americans. As preachers and teachers are prone to remind us, it’s not merely a day for feasting and football. What is the meaning and purpose of Thanksgiving? Why is a whole day set aside for it? What good does it do?For the latest video instruction at Prager U, Dennis Prager lays out the case for being thankful. He makes a strong case for gratitude being the best way to make a better world. Gratitude, he explains clearly and simply, makes people kind and happy. Ungratefulness, by contrast, fosters victimhood and anger. Want to be happy? Be grateful, he says.As convincing as his argument is, he leaves out something important— perhaps the most important part of gratitude. To whom will you be thankful? As we have seen repeatedly, gratitude needs an object, otherwise it is selfishness masquerading as gratitude. The mere feeling of well-being is not gratitude. Behaving in a grateful way for personal health or happiness, or even to make a better world, misses the point. We need to face someone when saying, “Thank you.”The object of gratitude might be a parent, teacher or friend, for specific acts of kindness enjoyed. But when feeling grateful for health, or for the beauty of nature, or for the joy of experiencing a multitude of human blessings, there’s only one qualified recipient: our Creator.At Evolution News, David Klinghoffer encourages being thankful for the intelligent design of your eyes. Also on Prager U, Michael Medved clears up some myths about the first Thanksgiving by the Pilgrims and Indians. But actually, the first thanksgiving feasts go back to the Mosaic Law. Peace offerings or freewill offerings were the only optional sacrifices of the five in the Levitical code (Leviticus 7:11-17). They included sharing in the blessings of food by both priest and giver. Thanksgiving is a running theme throughout the Bible, ceremony or not.  In fact, one of the primary reasons for judgment on sinners is lack of thankfulness even though the evidence of God’s power is evident in creation. The whole passage of Romans 1:18-22 bears repeating, as it closely parallels our motivations here at Creation-Evolution Headlines.18 For the wrath of God is revealed from heaven against all ungodliness and unrighteousness of men, who by their unrighteousness suppress the truth. 19 For what can be known about God is plain to them, because God has shown it to them. 20 For his invisible attributes, namely, his eternal power and divine nature, have been clearly perceived, ever since the creation of the world, in the things that have been made. So they are without excuse. 21 For although they knew God, they did not honor him as God or give thanks to him, but they became futile in their thinking, and their foolish hearts were darkened. 22 Claiming to be wise, they became fools, 23 and exchanged the glory of the immortal God for images resembling mortal man and birds and animals and creeping things.We wish all our readers a happy and sincere Thanksgiving.Need something specific to be thankful for? This is a good time to re-read some of our earlier articles about gratitude at these links:Reasons for thanksgiving in your body cells (11/23/16)More to thank God for in your brain (7/05/15)Let’s get [thankful for the] physical (11/25/14)Thank God for nature (4/12/15)Good gratitude: to science or God? (11/27/14)Gratitude is good for health (11/22/12)Can gratitude be studied scientifically (8/07/12)The science of thanksgiving (11/24/11)You can also search on gratitude and thanksgiving in the Search Bar.Exercise: Find and read all the instances of these words in the Bible: thanksgiving, thankful, thanks, grateful, gratefulness, gratitude. Allow a lot of time!last_img read more

Sudha clinches silver as Tintu wins bronze

first_imgAsian Games gold medallist Sudha Singh settled for a silver while Tintu Luka and Ghamanda Ram won a bronze each on the final day as India finished eighth in the Asian Athletics Championships with 11 medals at Kobe in Japan on Sunday.Indian’s bronze medallist Ghamanda Ram crosses the finish line in men’s 800m on SundaySudha, who was bidding to become the first woman to win both Asian Games and Asian Championships, clocked 10:08.52sec in the 3,000m steeplechase -well below her national record of 09:55.67secs which she clocked at Guangzhou last year.Japan’s 38-year-old Minori Hayakari won the gold with a new championship record of 9: 52.42sec. Thi Phuong Nguyen of Vietnam took bronze in 10:14.94s. It was yet again a case of Tintu failing to win gold in a big international event as she finished third in the 800m with a timing of 2:02.55 secs -slower than her national record of 1:59.17 which she set last year.Luka, who had won a bronze at the Asian Games, presented a strong challenge to eventual gold and silver winners Thanh Hang Truong (2:01.41s) of Vietnam and Margarita Matsko (2:02.46) of Kazakhstan towards the end but it was not enough. Ghamanda Ram gave India a bronze in the men’s 800m as he finally managed to live up to his potential of being among the best in Asia by winning his maiden Asian Championship medal in a personal best timing of 1:46.36s.However, he missed an Olympic berth by just 0.16 secs. The second Indian runner in the event, Sajeesh Joseph finished fifth in 1:48.56. Mohamed Al-Azimi of Kuwait won the gold in 1:46.15 secs to become the only athlete to win both 800 and 1,500m at the same Asian Championships.advertisementHe beat defending champion Sajad Moradi of Iran, who finished in second place with 1: 46.35s. With the silver and two bronze on Sunday, India took their medal haul to 11 (one gold, two silver and eight bronze) in the fourday meet, which equalled their tally in the last edition at Guangzhou two years ago when the country won one gold, three silver and seven bronze.With the likes of Ashwini Ajkkunji, Mandeep Kaur and Sini Jose caught for doping, India failed to finish on the podium in the women’s 4x400m relay. The second string quartet of Mrudula Korada, Jhuma Khatun, OP Jaisha and Tintu Luka finished fourth and last with a timing of 3: 44.17. A strong Japanese team annexed the gold in 3:35.00.The men’s 4x100m relay quartet of Ritesh Anand, Krishnakumar Rane, Shameer Mon and Rahamatulla Molla finished eighth and last in 40.38secs. Japan won the gold in 39.18 secs. Japan topped the medals tally with 11 gold, 10 silver and 11 bronze, pushing China to second spot (10-12-5). Bahrain was third.With inputs from PTI.last_img read more

Klopp: Alisson a massive signing for Liverpool

first_imgJurgen Klopp described goalkeeper Alisson as “a massive signing” after he helped Liverpool beat Brighton and Hove Albion on Saturday.The Reds maintained their 100 per cent start to the new season with a 1-0 victory over Chris Hughton’s side at Anfield, with Mohamed Salah scoring the goal in the first half.Brighton, who beat Manchester United 3-2 last weekend, improved after the break and could have snatched a draw were it not for Alisson’s fine save from a Pascal Gross header in the 89th minute. Article continues below Editors’ Picks Man Utd ready to spend big on Sancho and Haaland in January Who is Marcus Thuram? Lilian’s son who is top of the Bundesliga with Borussia Monchengladbach Brazil, beware! Messi and Argentina out for revenge after Copa controversy Best player in MLS? Zlatan wasn’t even the best player in LA! Klopp hailed the performance of the £66million Brazil international, as Liverpool confirmed the news of former first-choice keeper Loris Karius’ move to Besiktas shortly after the match.Asked if Alisson was the last piece of the jigsaw for his side, Klopp told BT Sport: “Looks like it!”He’s a massive signing for us, we knew that before. It gives him confidence, of course. A few people thought around set-pieces, because he’s Brazilian and comes from Italy, he’s not used to it, but he leads the line and I like that and that’s why we got him in.”GET IN!   pic.twitter.com/X4tvF78deY — Liverpool FC (@LFC) August 25, 2018 Klopp admitted his side’s standards dropped in the second half but was happy with the way they saw out a third win from three games.”Sometimes, the life of a manager is like this: you get three points and there’s still room for improvement,” he said. “In the first half, we did what we should, played patient, scored a wonderful goal and could have scored one or two more.”The second half wasn’t like that, I don’t remember a big chance. The game was still open, our passing game wasn’t good enough anymore. They had their chance. If they score in that situation [Gross’ header] they deserve it, because they defended well. I’m very happy with the result so it’s all okay.”It’s never all about the result but football is a results game. We don’t have that [1-0 wins] that often, the game [usually] stays exciting, but today it was 1-0 and apart from the header chance and [Anthony] Knockaert, that was it.”We deserved the three points and that’s good. We have work to do. During the week they looked fresh but today not so much, so the manager learns as well. So far so good but we knew before the game that we had a lot of work to do.” Subscribe to Goal’s Liverpool Correspondent Neil Jones’ weekly email bringing you the best Liverpool FC writing from around the weblast_img read more

25 days ago​West Ham blow as keeper Fabianski out for EIGHT weeks

first_img​West Ham blow as keeper Fabianski out for EIGHT weeksby Ian Ferris25 days agoSend to a friendShare the loveWest Ham keeper Lukasz Fabianski has been ruled out for at least two months with a torn hip muscle.The 34 year old Polish stopper suffered the injury taking a goal-kick during West Ham’s 2-2 draw at Bournemouth on Saturday and was substituted in the 34th minute. TagsPremiership NewsAbout the authorIan FerrisShare the loveHave your saylast_img

Klaveness Combination Carriers Raises Money for New Ships

first_imgzoomImage Courtesy: Torvald Klaveness In an effort to finance its newbuild vessels, owner and operator of combination carriers Klaveness Combination Carriers (KCC) has managed to raise USD 45 million through the private placement of common shares.Following the successful closing of the private placement, the company will issue 8,241,750 common shares at a subscription price of USD 5.46 per share for aggregate gross proceeds of USD 45 million.As informed, the net proceeds are intended for two new vessels. Specifically, the company will use the funds to partly equity finance one declared CLEANBU newbuilding and one CLEANBU newbuilding option from Jiangsu New Yangzi with scheduled deliveries in 3Q and 4Q 2020, as well as for general corporate purposes including working capital, supervision and transaction costs.Klaveness Ship Holding AS invested USD 3.6 million in the private placement and will own approximately 63% of the outstanding share capital following the issuance of the new shares.“KCC has through this transaction taken a significant step towards growing the company and its new combination carrier service in the CPP market. Further, following the new, wide investor base, the company is well set up for potential future fund raising and eventual listing on the Oslo Stock Exchange,” Lasse Kristoffersen, CEO of Torvald Klaveness and Chairman of KCC, commented.The company’s shares will be tradable on N-OTC on or about October 9, 2018.In April 2018, KCC was established with an aim to own and operate modern combination carriers by providing environmentally friendly transportation system with “the lowest carbon emissions in the industry”.Combination carriers are vessels able to transport both dry and wet bulk cargoes in the same cargo holds. Through this, the vessels achieve 45% more revenue days, 40-60% lower fuel consumption and CO2 emissions, and 1.5 – 2 times higher earnings compared to standard bulkers and tankers.last_img read more

Retail workers feel disruption from shifting shopper habits

first_imgNEW YORK, N.Y. – With new options and conveniences, there’s never been a better time for shoppers. As for workers … well, not always.The retail industry is being radically reshaped by technology, and nobody feels that disruption more starkly than 16 million American shelf stockers, salespeople, cashiers and others. The shifts are driven, like much in retail, by the Amazon effect — the explosion of online shopping and the related changes in consumer behaviour and preferences.As mundane tasks like checkout and inventory are automated, employees are trying to deliver the kind of customer service the internet can’t match.So a Best Buy employee who used to sell electronics in the store is dispatched to customers’ homes to help them choose just the right products. A Walmart worker dashes in and out of the grocery aisles, hand-picks products for online shoppers and brings them to people’s cars.___Editor’s note: This story is part of Future of Work, an Associated Press series that explores how workplaces across the U.S. and the world are being transformed by technology and global pressures. As more employers move, shrink or revamp their work sites, many employees are struggling to adapt. At the same time, workers with in-demand skills or knowledge are benefiting. Advanced training, education or know-how is becoming a required ticket to the 21st-century workplace.___Yet even as responsibilities change — and in many cases, expand — the average growth in pay for retail workers isn’t keeping pace with the rest of the economy. Some companies say that in the long run the transformation could mean fewer retail workers, though they may be better paid. But while some workers feel more satisfied, others find their jobs are just a lot less fun.Bloomingdale’s saleswoman Brenda Moses remembers the pre-internet era, when the upscale store was regularly filled with customers ready to buy. These days, department stores are less crowded and the customers who do come in can make price comparisons on their phones at the same time as they pepper staff with questions.“You tell them everything, and then they look at you and say, ‘You know what? I think I will get it online,’” she said.Moses has seen her commission rate rise to 6 per cent from a half a per cent, but her hourly wage dropped from $19 as low as $10 before it came back up to $14. Depending more on commissions means her income fluctuates, and she’s competing with her colleagues for each sale.“Now,” Moses said, “you have to fight to make your money.”The same could be said for the retailing industry, overall. In 2017, 66,500 U.S. retail jobs disappeared (not taking into account jobs added in areas like distribution and call centres). In the past decade, about one out of every seven jobs have vanished in the hardest-hit sectors like clothing and consumer electronics, says Frank Badillo, director of research at MacroSavvy LLC. Though department stores have suffered the most, smaller businesses also have struggled to compete with online sellers.Many of the survivors are rushing to adapt. Of the retail jobs that remain, over the next decade as many as 60 per cent will either be new kinds of roles or will involve revised duties, says Craig Rowley, senior client partner at Korn Ferry Hay Group, a human resources advisory firm. He estimates the number is about 10 per cent now.How fast retail jobs will change and what they’ll look like depends on three factors, Rowley said: the pace at which online shopping advances; the speed at which robotics and other technology progress; and shifts in the minimum hourly pay.“Jobs for workers will get more interesting and be more impactful on the company’s business,” Rowley said. “But the negative side is that there will be fewer entry-level jobs and there will be more pressure to perform.”Some retail workers at the vanguard of the changes — like Laila Ummelaila, a personal grocery shopper at a Walmart in Old Bridge, New Jersey — speak glowingly of their new responsibilities.Walmart, the nation’s largest private employer, has scrutinized every job in its stores as it looks to leverage its more than 4,000 U.S. locations against Amazon’s internet dominance.The company now has 18,000 personal shoppers who fill online orders from store shelves, and 17,000 check-out hosts whose responsibilities are more extensive than the greeters of old, including keeping the area clean and making sure registers move efficiently. The company has also shifted workers from back-room clerical jobs and eliminated some overnight stocker positions in favour of more daytime sales help. The customers like the changes, company officials say, pointing to more than three years of sales growth at its established U.S. stores — a contrast with other, suffering retailers.Ummelaila became a personal shopper after joining the company three years ago. To meet her store’s goals, she must pick one item per 30 seconds. If she can’t find something, she has to quickly get a substitute that’s as good or better.“You start to get to know the customers, you know what they like,” she said, “how they like their meat … and how long they keep milk in the fridge.”Best Buy, meanwhile, has begun a free service in key markets where salespeople will sit with customers in their own homes and make recommendations on setting up a home office to designing a home theatre system. Best Buy said shoppers spend more with a home visit than they do at the stores. The project follows Amazon, which reportedly has been testing a program that sends employees to shoppers’ houses for free “smart home” recommendations.At Steve Frederick’s townhouse in Chicago, Billy Schuler offered advice about speakers that can be adjusted from a smartphone. Schuler, who had previously worked at Best Buy for 14 years, returned to the company to take on the new role.“Customers are more relaxed when they are in their home,” he said. “We can do a walkthrough of the house and see their needs.” He likes to “break the ice” by calling the person and chatting a day or two before the visit.Frederick, who’s spending close to $20,000 on the equipment, describes himself as “old-school” and says he needed a lot of help. He thinks it was worthwhile.“When you are spending that kind of money, you want to have someone come in and explain it,” he said.Schuler declined to give specifics but says he is well compensated. Ummelaila says her pay went up to nearly $12 per hour from $10 when she became a personal shopper.Target credits its strategy of assigning dedicated sales staff in areas such as clothing, consumer electronics, and beauty for helping increase sales, and says having visual merchandisers create vignettes like shoppers would see in specialty stores inspires people to buy. “You are making an outfit and telling a story on each rack,” says Crystal Lawrence, who works at a Target store in Brooklyn, New York. She likes the variety in her new job, and Target says it plans to keep paying higher wages for those specialized roles.But a survey of nearly 300 retail workers — conducted by the Center for Frontline Retail and Community Development Project at the Urban Justice Center — found that of those workers whose job responsibilities have changed, more than 40 per cent said they hadn’t received pay increases to reflect that.Wages for hourly retail workers have risen less than 9 per cent since 1990, compared with 18 per cent for overall workers in the private sector. There has been some progress recently; some of the biggest retailers, like Walmart and Target, have made moves to increase pay in the face of low unemployment and competition for workers.“For a long period, these retail jobs were just terrible on average,” said Michael Mandel, chief economic strategist at the Progressive Policy Institute. “Retail stores have been following one strategy: high turnover, low wages. That strategy is no longer viable.”Mandel sees hope in technology, which he says has historically created more and better-paying jobs than it has eliminated.The National Retail Federation trade group points to government data showing that even in large supermarket chains where self-checkout has become standard, the number of employees per store has held steady over the 15 years through 2014. And the demand for grocery cashiers increased in the past few years, says Burning Glass Technologies, a company that analyzes labour market data.McDonald’s says the self-serve kiosks it has been rolling out won’t result in mass layoffs, but will mean that some cashiers shift roles to accommodate changes like offering table service.But a report prepared by Cornerstone Capital Group for the Investor Responsibility Research Center Institute predicts that more than 7.5 million retail jobs are at risk of being eliminated by automation over the next several years.Amazon is testing a grocery store in Seattle without cashiers, using cameras and shelf sensors to keep track of the items that shoppers grab and charge them. Eatsa, an automat-style restaurant in San Francisco, lacks cashiers as well — diners order at kiosks and workers prepare the food behind an opaque wall, with virtually no interaction between them.Labour groups are trying to address some of the new issues. Under a contract reached last May between Bloomingdale’s and the Retail, Wholesale and Department Store Union, Moses and other members who work at the flagship store in Manhattan can also get commissions from some online sales.And a labour group representing 1.3 million grocery and food workers is trying to combat automation by highlighting that workers’ specialized skills — like the care they take in icing a rose on a wedding cake, or arranging flowers, or the ability of human workers to recognize spoiled food — provide a benefit to shoppers.“Separating progress for the consumer, for the worker, for the economy versus the stockholders … those are completely different things,” says Erikka Knuti, a spokeswoman for the United Food and Commercial Workers International Union.Others say automation and happy workers are not necessarily incompatible.Walmart’s CEO Doug McMillon foresees fewer sales associates at his stores, but they’ll be better paid and better trained. Walmart has trained 225,000 supervisors and managers on topics like new apps and better customer service. It says managers who go through the academies have better retention rates than those who do not. Workers who report to those managers stay longer. And entry-level workers who complete a new training program are more likely to remain.It’s a shift retailers may have to speed up. Government figures show the rate of retail workers quitting their jobs in 2016 was at its highest since 2007.Alfredo Duran, who started as a sales associate at Gap and worked at six retailers over 15 years, left the industry two years ago. As a manager at clothing chain Mango, he was making $75,000 a year. But once the store closed, he had trouble finding another job in retail because no one wanted to pay him for his experience.“It’s gone down. One person is doing three jobs. And you can’t move up,” said Duran, 38, of Queens, New York.He’s now a concierge at a Manhattan hotel, making half of what he used to earn — but happy he left retail.___AP Video journalists Terry Chea in San Francisco and Teresa Crawford in Chicago contributed to this report.___Follow Anne D’Innocenzio: http://twitter.com/ADInnocenzioThis story is part of Future of Work, an Associated Press series that explores how workplaces across the U.S. and the world are being transformed by technology and global pressures. As more employers move, shrink or revamp their work sites, many employees are struggling to adapt. At the same time, workers with in-demand skills or knowledge are benefiting. Advanced training, education or know-how is becoming a required ticket to the 21st-century workplace.last_img read more

RBI asked to disclose info on bank inspection reports

first_imgNew Delhi: The Supreme Court Friday directed the Reserve Bank of India (RBI) to disclose information on its annual inspection report of banks under the Right to Information (RTI) Act unless they are exempted under law.A bench headed by Justice L Nageswara Rao also directed the federal bank to review its policy to disclose information relating to banks under RTI, saying “it is duty bound under the law”. The bench, which did not go ahead with contempt proceedings against the RBI, made it clear that it was giving a last opportunity to it to comply with provisions of the transparency law. Also Read – India gets first tranche of Swiss account details under automatic exchange frameworkThe bench said it would have taken a serious view to the refusal of the RBI to part with information under RTI. “Any further violation shall be viewed seriously,” the bench said. In January this year, the top court had issued contempt notice to RBI for not disclosing annual inspection report of banks under RTI. Earlier, the apex court and the Central Information Commission, both had held that the RBI could not deny information to an information seeker under the transparency law unless the material is exempted from disclosure under the law. Also Read – Trio win Nobel Medicine Prize for work on cells, oxygenThe RBI, in its defence, had said that it could not disclose information as the annual inspection report of the bank contained “fiduciary” information as defined under the transparency law. The bench was hearing a contempt petition filed by RTI activist S C Agrawal against the RBI. Agrawal had sought complete information including related documents from RBI on the imposition of fines on some banks for violating rules. He had also sought the list of banks and the default for which show cause notices were issued to them before the fine was imposed. Despite the apex court’s judgement for disclosure of such information, the RBI had issued a “Disclosure Policy” under which it has listed certain information as being exempted from being disclosed of the RTI Act. “It is to be noted that this specific information is similar to what was held not to be exempted by the Supreme Court,” claimed the plea. The RBI had refused to disclose such information on the grounds of economic interest and holding such information in a fiduciary relationship with these individual banks. “Such reason is in direct contempt with this court’s judgment. The information titles which are in contempt belong to the Department of Banking Regulation, Banking Supervision, Cooperative Banking Regulation/Department of Cooperative Banking Supervision and Consumer Education and Protection Department. “This exempted information under the policy was held to be not exempted by the Supreme Court. Thus, this exemption leads to contempt of this court’s order,” the plea has said. The Supreme Court had in 2015 held that RBI should take rigid action against those banks and financial institutions which have been indulging in “disreputable business practices” and said it could not withhold information on defaulters and other issues covered under the RTI Act. It had further clarified that RBI cannot withhold information under the “guise” of confidence or trust with financial institutions and is accountable to provide the information sought by the general public.last_img read more