Repost from @articulateprojectspace • We are open tonight! 6-9pm‼️ ARTICULATE TURNS 12 #AT12 Dec 3 until Dec 18 Thu 6-9pm & Fri, Sat & Sun 11am -5pm CLOSING DRINKS SUNDAY 18 Dec 3-5pm 🥂🥂 Andrew Simms, Anke Stäcker, Anya Pesce, Aude Parichot, Beata Geyer, Billy Gruner, Brenton Schwab, Carlos Velasquez, David Helmers, Dell Walker, Diane McCarthy, Elizabeth Day, Elke-Wohlfahrt, Ira Ferris+11 others, Isobel Johnston, Jan Handel, Jennifer Chua, Jo Rankine, Juliet Fowler Smith, Kendal Heyes, Lea Kannar-Lichtenberger, Lesley Giovanelli, Lindy Yoannidis, Lisa Pang, Lisa Stonham, Lynn Godfree, Maria Constantinescu, Molly Wagner, Murray&Burgess, Noelene Lucas, Paul Sutton&Steve Simpson, Ro Murray, Steven Fasan, Sue Callanan, Sue Murray, Wai Ting Daisy Ng, Zorica Purlija Articulate celebrates twelve years of spatial, experimental and project work in art under a new board and collective. More info +online room sheet on our website 👆🏻link in bio 👆🏻 #opentonight #articulateprojectspace #turns #12 #groupexhibition #annual #sydney #sydneygallery #contemporaryartist #contemporaryart #notforprofit #thursdaynight #art #artists #community #AT12 #experimental #innerwestsydney #gallery #projectspace #twelveyears #celebrate https://www.instagram.com/p/CmKuB86Bbyv/?igshid=NGJjMDIxMWI=
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A Comprehensive Guide on the Advantages of Education Credit Unions
As individuals seek financial institutions that prioritize their unique needs, credit unions have gained recognition for their commitment to member-focused banking. Education Credit Unions, in particular, cater to the financial well-being of educators and the broader educational community.
In this article, we will explore the world of Education Credit Unions, discussing their benefits, services, and the value they provide to members in the realm of personal finance.
What Are Education Credit Unions?
Credit Unions in education are financial cooperatives that serve educators and the educational community. They are member-owned, not-for-profit organizations that provide a range of financial services, including savings accounts, loans, and other banking solutions. Credit Unions in education are structured to benefit members by offering lower fees and competitive interest rates, among other advantages.
Key Features:
Member Ownership: Education Credit Unions are owned and operated by their members, ensuring that the institution’s primary focus is the financial well-being of its members.
Not-for-Profit Status: Unlike traditional banks, Education Credit Unions operate as not-for-profit organizations, which often translates to better rates and lower fees for members.
Membership Criteria: Membership is typically open to educators, students, and employees within the education sector, and often extends to family members.
Benefits of Education Credit Unions
Credit Unions in education offer a range of benefits that make them an attractive choice for individuals in the education sector and their families:
Lower Loan Rates: Credit Unions in education often provide lower interest rates on loans, including personal loans, auto loans, and home mortgages, potentially saving members money over the life of the loan.
Higher Savings Yields: Members can earn higher interest on their savings and certificates of deposit (CDs) compared to traditional banks, helping their money grow faster.
Member-Focused Service: Credit Unions in education prioritize personalized, member-focused service, offering a level of attention and care that may be harder to find in larger, traditional banking institutions.
Community Involvement: Many Credit Unions in education are deeply involved in the communities they serve, supporting educational initiatives and local causes.
Lower Fees: Credit unions often have lower fees for services, such as checking accounts and overdrafts, which can lead to reduced banking costs for members.
Services Offered by Education Credit Unions
Savings and Checking Accounts: Members can open savings and checking accounts to manage their daily finances while earning competitive interest rates on their savings.
Loans: Credit Unions in education offer a range of loans, including personal loans, car loans, home equity loans, and mortgages, with favorable terms and interest rates.
Credit Cards: Many credit unions issue credit cards to members, often with lower interest rates and fees compared to larger banks.
Online Banking: Members can access their accounts and manage their finances online, making it convenient to check balances, transfer funds, and pay bills.
Retirement and Investment Services: Education Credit Unions may provide retirement accounts, investment services, and financial planning to help members secure their financial future.
How to Become a Member of an Education Credit Union?
Eligibility: Credit Unions in education typically extend membership eligibility to educators, students, school employees, and their immediate family members. Requirements may vary, so it’s advisable to check with a specific credit union for their criteria.
Application: To join, you will need to complete an application, which may involve providing personal identification, proof of employment or educational affiliation, and a small initial deposit.
Financial Account: Upon approval, you can open a savings or checking account, which establishes your membership in the credit union.
Access to Services: Once you are a member, you gain access to the credit union’s full range of financial services.
Differences Between Education Credit Unions and Traditional Banks
Credit Unions in education offer distinct advantages over traditional banks, including:
Member Ownership: Members of Credit Unions in education are co-owners, which means decisions are made with their best interests in mind.
Not-for-Profit Structure: Education Credit Unions operate as not-for-profit organizations, allowing them to provide better rates and lower fees to members.
Personalized Service: Credit unions prioritize personalized, member-focused service, while larger banks may provide a more impersonal experience.
Community Involvement: Many Credit Unions in education are deeply rooted in their communities, supporting local educational initiatives and philanthropic causes.
Financial Benefits: Members often benefit from lower loan rates, higher savings yields, and reduced fees compared to traditional banks.
Conclusion
Education Credit Unions provide educators, students, and those in the educational community with an opportunity to access financial services that prioritize their unique needs. With a commitment to lower fees, competitive interest rates, and personalized service, these not-for-profit cooperatives empower members to make the most of their finances while contributing to their communities. Whether you are an educator or part of the educational community, an Education Credit Union can offer a valuable financial partnership that aligns with your interests and values.
In a financial landscape that can often feel impersonal and profit-driven, Credit Unions in education stand out as beacons of member-focused, community-oriented banking. Their commitment to empowering educators, students, and their families goes beyond traditional banking, creating a sense of financial partnership and shared goals.
Also read: Holiday Season Shopping: It is Time to Utilise Your Credit Cards for Your Small Business Needs
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Deep Routed Human Rights Issues in Algeria Morocco - Despite UN Review
Severe violations of human rights continue unabated in both Algeria and Morocco, while many laws in each country are far from aligned with international standards, Amnesty International said today, following the UN Human Rights Council’s Universal Periodic Reviews of each country’s human rights obligations at its 52nd session.
Amnesty International submitted oral statements as part of the review of each country’s human rights record. The organization urged Algeria to fully respect the rights to freedom of expression and peaceful assembly as well as women’s rights, and called for the Algerian authorities to ratify key international human rights treaties.
Amnesty welcomed Morocco’s support for prisoners’ rights recommendations, yet regretted the country’s decision not to accept key recommendations on protecting the rights of women, LGBTI people, and Sahrawi prisoners.
At precisely the same time as the UN Human Rights Council is reviewing Algeria’s human rights record, the authorities continue to crack down on activists and journalists.
Amna Guellali, Amnesty International’s Deputy Director for the Middle East and North Africa said,
“At precisely the same time as the UN Human Rights Council is reviewing Algeria’s human rights record, the authorities continue to crack down on activists and journalists, with an unjust 5-year prison sentence against journalist Ihsane El Kadi just this week."
"To signal that they are taking the UPR process seriously, the Algerian authorities should immediately release all imprisoned journalists.”
“Morocco accepted a recommendation to protect the rights of migrants, yet it has been almost a year since 37 people were killed at the border of Melilla — and 77 people remain missing. The Moroccan authorities must now follow up on their promises and provide justice to victims."
"They should urgently carry out independent investigations and offer meaningful reparations. It is not enough to make these commitments in the UPR if they do not follow through with action.”
Algerian market scene. Photo by Magharebia. Flickr.
Persecution of civil society in Algeria
Following Algeria’s UPR on 27 March 2023, Amnesty International remains deeply concerned by the continuing prosecution and arbitrary detention of hundreds of state critics, civil society activists, human rights defenders and journalists.
Over the past two years, the Algerian authorities have prosecuted, arrested or detained at least 11 other journalists and media workers.
The organization welcomes Algeria’s commitment to amend its repressive law on public meetings and demonstrations, but regrets that the authorities rejected recommendations on amending overly broad provisions in the country’s Penal Code that penalize those who peacefully exercise their rights to freedom of expression and peaceful assembly.
The organization also welcomed Algeria’s acceptance of the recommendation to amend the provision which excuses rapists who marry their victims.
However, they note that Algeria retains several other Penal and Family Code provisions which discriminate based on gender and sexuality, and which are contrary to international human rights standards. These include Article 338 of the Penal Code, which criminalizes “homosexual acts” and Article 66 of the Family Code, which stipulates that a mother who remarries after divorce automatically loses custody of her children.
Demo in the Moroccan City of Assa. Photo by Saharauiak. Flickr.
Marital rape and LGBTI discrimination in Morocco
On 24 March 2023, Morocco accepted some recommendations from the UPR on promoting gender equality and combating violence against women, but rejected recommendations to criminalize marital rape and guarantee equality in inheritance.
The Moroccan authorities also rejected recommendations on decriminalizing consensual sexual relations between adults of the same sex and introducing measures to combat discrimination against LGBTI people.
Morocco needs to do far, far more to align rights protections with international standards.
“Morocco’s approach to sexual rights remains deeply flawed— marital rape is legal whereas consensual sex in extra-marital relations or between same-sex adults is still criminalized. Morocco needs to do far, far more to align rights protections with international standards.” said Amna Guellali.
Morocco accepted recommendations to consider abolishing the death penalty, yet rejected recommendations to actually do so. The country did, however, accept recommendations to strengthen the protection of migrants’ rights.
Sources: THX News & Amnesty International.
Read the full article
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