SPARC, Inc.’s Post

As a separate post, while we grieve the loss of four LEOs in North Carolina and the wounding of five others, active LEOs should take stock of their individual financial and estate planning situations. As is said, "We know not the day or the hour"; the profession is dicey, at best. Even though we do our best to mitigate risk, things can still go wrong - and they do. LEOs shouldn't count on LOD death enhanced payouts, GFM campaigns, etc.; they should have their own plans in place, independent of others, and sufficient to meet concerns regarding final expenses, mortgage payoff, income replacement for the survivors, education funds for any children, etc. Self-sufficiency is important in anyone's life; it should be that much more so for a profession as inherently risky as law enforcement. Be safe.

Minority Depository Institutions (#MDI) give minority communities access to capital from financial institutions that reflect them. In today’s market, these institutions have an invaluable role for #financialinclusion. See why you should take proactive measures to preserve MDIs in your community: https://lnkd.in/eg5msmq9

A credit union is a member-owned cooperative where a few people come together and decide to create a way for others to pool resources and work towards a common goal of financial benefit for the group. 💪🤩💰 Unlike a bank, credit unions are non-profits that work for YOU (not investors) that also offer many benefits that aren’t available at commercial banks like easy access to cash, competitive rates, flexible loan pay options, and access to surcharge-free ATMs across the nation! 🏧👏 At Princeton Federal Credit Union (PFCU) we serve employees, students, alumni, faculty, and staff of Princeton University PLUS over 90 Select Employer and Student Groups throughout New Jersey and Pennsylvania. If you're reading this, there is an excellent chance you qualify to become a member. Over the years, we've made decisions on new product and service offerings based on the needs and expectations of our community. As we move into the future, we know that comfort with technology and the expectation of our members for multi-channel access will continue to expand, and we will continue to focus on new ways to provide service and support to our growing community. 🌐💸📈 Learn more about us and the benefits of joining PFCU by visiting princetonfcu.org https://lnkd.in/gbJJ-6NK Insured by NCUA. Equal Housing Lender.

It's been three years since the U.S. Department of Justice launched its Combatting Redlining Initiative. Since 2021, the department has reached significant milestones since its launch, including: ✅ Securing 13 settlements totaling $137 million in relief for communities of color in California, Delaware, Florida, New Jersey, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, Texas, and Tennessee. ✅ Securing a historic amount of relief that includes $121 million in subsidies for home loans and is expected to generate over $1 billion in investment in affected communities in places such as Houston, Texas; Memphis, Tennessee; Newark, New Jersey; Los Angeles; and Charlotte, North Carolina. Please schedule a meeting with me today to ensure you have the tools to conduct your redlining self-assessment and avoid being the next headline. https://lnkd.in/edZeJb75 https://lnkd.in/gs_snzCy #redlining #fairlending

🏘 Investing in property is more than just a financial choice; it’s a powerful way to take control of your future and empower yourself. In this video, I dive into why I’m so passionate about NDIS property investment and how it’s helping me build a pathway to financial freedom. 💃 For me, it started with recognizing the potential in NDIS and making a move even when I didn’t have all the funds I wanted. Like many of you, I was looking for a way to invest smartly without taking on more debt. The solution? I bought a SAFE myself. 🙌 💯 It wasn’t just an investment. It was a commitment to something I wholeheartedly believe in because I’ve seen the impact it can make. 🌟🤝Our team isn’t just offering advice, we’re living it. From conveyancers who specialize in these contracts to brokers who understand the unique requirements of NDIS loans, we’re here to support you through the entire journey. 👣 And it all begins with one step: a conversation. Whether you’re looking to buy your first NDIS property or simply want more information, we’re here with resources, insights, and a community of experts ready to guide you. 🤩 Let’s take that first step together—your path to empowerment and financial freedom starts now. Send me a message or schedule a quick kickoff call through the link in the comments to explore your options. ☎ 📩 #NDISInvestment #FinancialFreedom #PropertyInvestment #EmpowerYourFuture #InvestmentJourney #NDIS #RealEstate #SmartInvesting #NDISProperties #FinancialEmpowerment #PropertyAustralia #PropertyDiva #PropertyInvestmentStore

60 for 60 🔱 - Terrence Rogers, BSBA 1996, is in the business of helping others realize their dreams of home ownership as president of community lending for Carrollton Bank. He credits the accessibility of his professors and UMSL's career center with preparing him for a career in banking after graduation. Read more at buff.ly/432oNYt. #umsl60

As this school year wraps up and we gear up for the next, many families are feeling the pinch of rising living costs. I can relate firsthand as my daughter transitions to Secondary school, bringing a whole new set of uniforms to purchase. These additional costs can add to the financial pressure of a new school term. But don’t worry if you’re feeling the pinch - Wave Community Bank has you covered! Check out these tips for scoring free or low-cost school uniforms and learn more about our Family Saver Loan to help ease expenses over the summer holidays - https://lnkd.in/eSK-3kfs #BackToSchool #FamilyFinance #BudgetFriendly #SchoolUniforms #CostSavingTips #FinancialPlanning #CommunitySupport #AffordableLiving #SmartShopping #FamilySaverLoan #SummerHolidays #UniformCosts #FinancialDifficulties #EthicalLoans #CreditUnionDifference #LetsMakeWaves #WorkingTogether #CommunityBank

While the term "domestic violence" may encompass a wide variety of interpretations, one facet that should be at the forefront is financial abuse. Story from a May 24, 2019 Forbes Article-- Jane is a single mother of four young children and a survivor of domestic violence. While married, Jane’s husband and abuser opened up several accounts under her name, without her consent. He then failed to pay the bills, leaving Jamie with a significant amount of debt under her name and a less-than-ideal credit score. Short on funds, Jane went to the bank, only to discover that her husband had depleted the entire balance of their joint account, leaving her penniless. When Jane finally decided to leave, her husband called her workplace several times an hour to find her; to the point that her employer eventually let her go, citing her situation as a potential threat to the safety of her co-workers and the work environment. Even though Jane had physically left her abuser, her financial journey to breaking free from the abuse was far from over. Jamie had been financially abused. Her abuser had damaged her credit, stolen her money and caused her to lose her job and main source of income.  Sadly, Jane’s example is all too common. And the actual statistics are staggering... >>Each year, the US economy loses about 8,000,000 paid workdays from domestic violence. >>60% of survivors lose their jobs due to their abuse. Financial abuse occurs in as many as 99% of domestic violence cases. >>88.5% of survivors who do leave their abusers return, largely due to financial pressures. >>42% of US employers reported not offering paid leave to domestic violence survivors. So as a credit union how can you provide support? >>Offer emergency financial assistance to get her and her children in a safe place and be able to purchase immediate essentials. >>Credit repair assistance >>Implement protocols to prevent abusers from using the credit union to perpetuate economic abuse, such as closing accounts or generating "forced" loans. >>Help protect the victim against identify theft. >>STRATEGICALLY partner with Domestic Violence Resource Centers and NGOs who are trained to provide individualized counseling and resources depending on each victim's circumstance. >>Long term debt relief: offers paths to forgiveness for debts related to the abuser's actions. >>Customized financial assistance: some credit unions are implementing initiatives like the CU SAFE (Survivor Alliance for Financial Empowerment) program, which pairs qualified survivors with credit unions for one-on-one financial counseling and customized financial assistance. (https://lnkd.in/e3nzUNsF) Be a part of the solution. If you want any further information on how your credit union can help break the cycle of financial abuse endured by domestic and gender-based violence victims, reach out and would love to chat. Safe YOU CU Sol/CU Safe US Eagle Federal Credit Union #SafeYOUapp #WomenEmpowerment

Small business lending can be easier and more profitable, Financial Institutions across the US and Canada are learning this when they implement JUDI.AI.

There's been a lot of talk about the Community Reinvestment Act modernization lately and the impact it will have on our underserved communities. Despite its potential, many people are unfamiliar with the program. If you are one of those people and are looking for a simple overview of #CRA, this post is for you. #BuildingKCTogether