Finance membership – Membership Client Pro http://www.membershipclientpro.com/ Tue, 13 Sep 2022 14:30:44 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://www.membershipclientpro.com/wp-content/uploads/2021/10/membership.png Finance membership – Membership Client Pro http://www.membershipclientpro.com/ 32 32 Want to beat the Dow Jones? Buy and hold this growth stock https://www.membershipclientpro.com/want-to-beat-the-dow-jones-buy-and-hold-this-growth-stock/ Tue, 13 Sep 2022 14:00:00 +0000 https://www.membershipclientpro.com/want-to-beat-the-dow-jones-buy-and-hold-this-growth-stock/ While the S&P500 is considered to be the most representative of the entire market, and the Nasdaq Compound is the primary indicator for tech stocks, when investors want to know what the market is doing on a given day, they often turn to the Dow Jones Industrial Average. It includes only 30 stocks, representing those […]]]>

While the S&P500 is considered to be the most representative of the entire market, and the Nasdaq Compound is the primary indicator for tech stocks, when investors want to know what the market is doing on a given day, they often turn to the Dow Jones Industrial Average.

It includes only 30 stocks, representing those of large blue-chip influential companies, as determined by a committee. Amid the current market meltdown, the Dow has held up slightly better than the S&P 500, down 12% year-to-date versus 15% for the broad index. But over the long term, it lags the S&P 500, up 9% over the past 10 years on an annualized basis versus 10.7% for the S&P 500.

The Dow Jones has been a safe bet for investors over the years, but if you’re looking for a growth stock with a bit more juice and the same kind of stability and blue-chip pedigree, consider Charles Schwab (SCW -1.84%).

The long and the short

Charles Schwab has the type of credentials that could one day lead to his inclusion in the Dow Jones Industrial Average. It is an influential company with an excellent reputation as one of the largest brokerage firms in the country. It is a market leader in its field and has a history of steady and consistent growth.

Over the past 20 years, it has posted an annualized return of 10.8%, compared to 6.8% for the Dow Jones Industrial Average. Going back 10 years, it averaged a return of 17.9% versus 9% for the Dow Jones. Meanwhile, over the past decade, its annual net income has grown 21% per year, reaching $5.8 billion as of June 30.

^ DJI given by Y-Charts.

In even shorter terms, Schwab has outperformed the Dow — up 2% over the past 12 months, while the Dow is down about 9.7%.

Over the years, Schwab has succeeded in making its company a market leader by being innovative and efficient. Schwab distinguished itself early on as a pioneer in low-cost trading. It made a name for itself as an original discount brokerage after its launch in 1971.

He always prided himself on being early in the market, as others followed – whether it was discount trading, online trading or commission-free trading, which he implemented in 2019. Another key to its success over the years has been owning its technology, so it can be faster to market and beat its competition.

Why Schwab should continue to outperform

The market downturn did not hit Schwab as hard as some of its competitors, as rising interest rates boosted its interest income, offsetting losses in trading and asset management.

In the second quarter, it generated $5.1 billion in revenue, up 13% year-over-year, while net profit climbed 42% year-over-year to reach $1.8 billion. About half of revenue, $2.5 billion, came from net interest income, up 31%. Its business model was designed to navigate various market cycles, as it beat the Dow in eight of the past 10 years, including 2015, when Schwab was up 10% while the Dow was down 10%. 2%.

There are many reasons to appreciate Schwab’s future growth prospects. First, it is attractively priced for a growth stock with a forward price-to-earnings (P/E) ratio of 14, which is below the 18.9 multiple of the Dow Jones.

Its profitability is also attractive with an operating margin of 44% and a profit margin of 33% – as well as tons of cash. Schwab has $118 billion in cash and cash equivalents with $21 billion in long-term debt and a low leverage ratio of 0.5%.

Its valuation and financials are good, but it also has excellent growth prospects following its acquisition of TD Ameritrade in 2020. Schwab is in the process of integrating this brokerage into its operations. Once fully integrated, Schwab should see greater efficiency, expanded capabilities and greater scale to generate additional revenue and expand its already market-leading share.

It all adds up to a company that would make a nice addition to the Dow Jones Industrial Average – and likely outperform it in the long run. And as he has done strategically over the years, Charles Schwab should be well positioned to pivot and thrive to stay ahead of his competition.

Charles Schwab is an advertising partner of The Ascent, a Motley Fool company. David Kovalesky has no position in the stocks mentioned. The Motley Fool recommends Charles Schwab. The Motley Fool has a disclosure policy.

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HCF members, Bupa will receive a share of $285 million in cashback https://www.membershipclientpro.com/hcf-members-bupa-will-receive-a-share-of-285-million-in-cashback/ Mon, 12 Sep 2022 01:42:01 +0000 https://www.membershipclientpro.com/hcf-members-bupa-will-receive-a-share-of-285-million-in-cashback/ Five million Australians are set to receive practical financial help from two of Australia’s largest health insurance providers. Earlier this month, HCF announced it was returning $130 million to customers as part of a Covid savings plan. The amount is part of a $300 million pandemic support package the company rolled out for members in […]]]>

Five million Australians are set to receive practical financial help from two of Australia’s largest health insurance providers.

Earlier this month, HCF announced it was returning $130 million to customers as part of a Covid savings plan.

The amount is part of a $300 million pandemic support package the company rolled out for members in response to Covid-19 to increase healthcare services while keeping them affordable.

HCF has around 1.8 million Australians using it, so the average customer will receive around $72, although members have different policies which would entitle them to much less or more.

The money should arrive before Christmas.

Meanwhile, next month, 3.4 million Bupa users will also get a welcome reprieve from the cost of living crisis with payments of between $16 and $118 to be deposited into their accounts.

Like HCF, Bupa also has a refund policy, planning to give back $155 million to Australians from October.

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Last weekend, HCF chief executive Sheena Jack announced the $130 million restitution program.

She said the health fund’s $300 million support package involves its reimbursement program, which is expected to hit eligible members’ bank accounts by December.

Other supports have also been doled out over the last two and a half years of the pandemic, including twice postponing health coverage increases, providing free mental health checks and ensuring that hospitalizations related to Covid don’t cost more.

“Given the changing landscape of healthcare over the past three years, it’s only right that we work hard to find more ways to give back and help members manage the rising cost of living pressures. “said Ms Jack.

Members will be notified in November if they are eligible and indicate the amount they will receive.

Bupa customers will share $155 million as part of the health fund’s second round of reimbursements from Covid-related savings.

The scheme, announced in June, applies to all Australian residents who had Bupa private health cover for at least three months between July 1 last year and June 30 this year.

However, ambulances only and foreign visitors and students are not part of the program.

Customers living in NSW and Victoria will receive the biggest share of the giveaway.

The healthcare giant said this was because they were less able to use hospital and ancillary services due to prolonged Covid-19 restrictions.

Bupa Health Insurance chief executive Chris Carroll told those eligible: “I encourage our customers to ensure their contact details are up to date so they can receive their cashback as quickly as possible.”

Bupa’s first donation program saw it distribute $120 million to customers.

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Active duty military and veterans enjoy free access to national parks https://www.membershipclientpro.com/active-duty-military-and-veterans-enjoy-free-access-to-national-parks/ Sat, 10 Sep 2022 15:00:50 +0000 https://www.membershipclientpro.com/active-duty-military-and-veterans-enjoy-free-access-to-national-parks/ Image source: Getty Images US military and veterans can take advantage of this benefit. Key points Entrance fees to national parks and land can be expensive. US military, veterans, and Gold Star families can access these lands at no additional cost with a special pass. If you’re an active duty military member or veteran, don’t […]]]>

Image source: Getty Images

US military and veterans can take advantage of this benefit.


Key points

  • Entrance fees to national parks and land can be expensive.
  • US military, veterans, and Gold Star families can access these lands at no additional cost with a special pass.

If you’re an active duty military member or veteran, don’t miss the valuable discounts and gifts available to you as a thank you for your service. Gifts and offers can help you keep more money in your bank account.

For outdoor adventurers, visiting our nation’s parks and public lands can be a fun way to spend an afternoon or weekend.

While most visitors must pay a daily entry fee or invest in an annual pass, active military and veterans can enter most national parks and lands for free.

All you need is the right pass – and it’s available every year.

Introducing the Annual Interagency Military Pass

The Interagency Annual Military Pass is available to current U.S. military personnel, veterans, dependents, and Gold Star families.

Passes are free at sites that issue passes, including federal parks and recreation sites. Passes can also be obtained online through the USGS store, but a $10 processing fee applies. Plan to bring documents to show that you qualify for the pass.

The annual interagency military pass covers entrance fees to U.S. Fish and Wildlife Service sites and National Park Service sites.

Additionally, the pass covers standard amenity fees at Forest Service, Bureau of Land Management, Bureau of Reclamation, and U.S. Army Corps of Engineers sites.

If you visit parks and lands with family or friends, they can also enjoy free admission:

  • The pass holder and any accompanying passenger in a private, non-commercial vehicle may enter sites that charge a fee per vehicle for free.
  • At sites that charge a per person fee, the pass holder and up to three additional adults are admitted free of charge.

Veterans and Gold Star families will soon be able to get a lifetime pass

While the annual interagency military pass is available every year, a lifetime pass will soon be made available to veterans and Gold Star families, thanks to legislation passed and signed in late 2021.

This Lifetime Pass includes the same entry and convenience benefits as the Annual Military Interagency Pass and will be available later in 2022.

Once lifetime passes are available, veterans and Gold Star families won’t have to worry about renewing their passes every year.

Don’t Ignore Other Money-Saving Discounts

Active duty military, veterans and their families can also take advantage of other savings offers. Life is expensive, so every cashback adds up and can help you reach your personal financial goals faster.

Here are some other offers not to be missed:

  • Apple: A 10% discount is available to current and veteran members of the U.S. Army, National Guard, and Reserves and immediate family members residing in the same household.
  • Costco: Current, retired, and veteran military members can get a $20 Costco digital gift card when they become a new Costco member.
  • Home deposit: Get 10% off qualifying purchases (save up to $400 per year), available to active duty military, veterans and their spouses.
  • The north face: A 10% discount is available for active US military, reservists, veterans and retirees.
  • Verizon: Current military and veterans can save up to $25/month on unlimited Verizon Wireless phone plans.

While these are just a few sample offers, there are many other brands that offer savings to US military and veterans. Be sure to ask if a discount is available before rushing to swipe your credit card at the checkout line.

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EU seeks one-off tax trigger well below market rate https://www.membershipclientpro.com/eu-seeks-one-off-tax-trigger-well-below-market-rate/ Wed, 07 Sep 2022 13:22:24 +0000 https://www.membershipclientpro.com/eu-seeks-one-off-tax-trigger-well-below-market-rate/ Brussels is seeking to move forward with an exceptional levy on European power companies by setting a threshold at less than half of current market rates. In draft proposals seen by the Financial Times, the European Commission recommends that governments impose a tax on revenues generated by non-gas electricity producers when market prices exceed €200/MWh. […]]]>

Brussels is seeking to move forward with an exceptional levy on European power companies by setting a threshold at less than half of current market rates.

In draft proposals seen by the Financial Times, the European Commission recommends that governments impose a tax on revenues generated by non-gas electricity producers when market prices exceed €200/MWh. The current electricity spot price in Germany, the regional benchmark, is above €450/MWh. Excess income would be redistributed to help businesses and households.

Wholesale electricity prices have exploded because they are indexed to the price of gas, whether or not the electricity is produced with gas or from other sources. Gas prices are about 10 times higher than they have been compared to averages for the past decade.

Such a cap would mimic “the market outcomes that would be expected if global supply chains were functioning normally and were not subject to energy weaponization through gas supply disruptions,” the report says. committee document.

European Commission President Ursula von der Leyen said on Wednesday that low-carbon energy producers are making “huge revenues, revenues they never calculated, revenues they never never dreamed of and income that they cannot invest so quickly”.

These “windfalls” should be redirected to member states to support vulnerable households and businesses, she said.

Henning Gloystein, director of energy and climate at Eurasia Group, said a limit of €200/MWh was “high enough to achieve the expected demand reduction in Europe this winter, while giving industry and to small consumers at least some assurance that costs will not skyrocket”. further away “.

It should, he added, also provide producers of low-cost renewables with enough profit margin to incentivize investment, which Brussels is keen to encourage in its efforts to tackle climate change.

Europe has seen pressure on natural gas from Russia, previously its biggest supplier, in response to Western support for Ukraine. The Kremlin warned on Monday that supply through the critical Nord Stream 1 pipeline, the largest between Europe and Russia, would be cut off completely until Western sanctions were lifted.

European industries have warned they face an “existential threat” unless policymakers step in to cut energy costs.

Proposals are expected to be discussed by diplomats from the 27 EU member states on Wednesday ahead of an emergency meeting of energy ministers on Friday.

The document also suggests a mandatory target of reducing electricity consumption by 5% during peak hours – something von der Leyen proposed as part of a package of five measures, including a cap on the price of electricity. Russian gas, changes to guarantee requirements for electricity companies and adjustments to state aid rules, to allow governments to bail out companies on the verge of collapse.

The committee document warns that incentives to reduce electricity demand must be “cost effective”, adding that member states must act together to avoid distortions in the EU’s internal market.

Several member states have complained that Brussels has not acted quickly enough. European Council President Charles Michel said in an interview on Saturday that the commission had “not a day to lose”.

Von der Leyen said the EU was facing “difficult times and they are not over any time soon” and that any measures taken should be implemented “as soon as possible”.

EU capitals are generally supportive of plans to encourage demand cuts as the quickest way to deal with the crisis, but are divided on how to deal with soaring energy prices.

Several countries, including Italy, Spain and Austria, have called for a separation of gas and electricity markets, while others favor limits on gas prices.

An EU diplomat has warned that caps on wholesale gas could, however, “have negative consequences” if prices fall. The diplomat added that it would be better to have dynamic limits set against energy markets outside the EU.

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FG Health Absolute policy: Rs 3 lakh to Rs 1 crore health cover for up to 15 family members; check the details https://www.membershipclientpro.com/fg-health-absolute-policy-rs-3-lakh-to-rs-1-crore-health-cover-for-up-to-15-family-members-check-the-details/ Tue, 06 Sep 2022 03:30:00 +0000 https://www.membershipclientpro.com/fg-health-absolute-policy-rs-3-lakh-to-rs-1-crore-health-cover-for-up-to-15-family-members-check-the-details/ Future Generali India Insurance Company Limited (FGII) has announced the launch of a comprehensive health insurance product – FG Health Absolute. The insurer said in a statement that this latest health insurance offering is designed to empower customers to actively manage their health and lead healthy lives. FG Health Absolute offers its customers access to […]]]>

Future Generali India Insurance Company Limited (FGII) has announced the launch of a comprehensive health insurance product – FG Health Absolute. The insurer said in a statement that this latest health insurance offering is designed to empower customers to actively manage their health and lead healthy lives.

FG Health Absolute offers its customers access to value-added services such as telecounselling, mental and physical health webinars, vouchers for wellness centers, fitness, sports and diagnostic centers and regular health checkups to ensure a healthy and fit lifestyle.

According to the statement, this product comes with a loyalty program that allows customers to redeem their reward points for premium discounts, enjoying a variety of products, memberships, and more. in the renewal policy.

Also Read: Rs 1 Crore Health Insurance – Do You Really Need It?

As part of its wellness program, clients are encouraged to complete stress and happiness tests, as well as health risk assessments, twice a year, in addition to annual wellness assessments by lifestyle disorder experts and surveillance.

A monthly follow-up has been included to monitor clients’ fitness and healthy lifestyle, ensuring a holistic approach to physical and mental well-being, the statement said.

Commenting on the launch of FG Health Absolute, Anup Rau, Managing Director and CEO of Future Generali India Insurance, said, “The pandemic has sparked a greater appreciation for active health management, among individuals. While on the one hand we are seeing increased customer interest in healthcare products and expect this segment to grow significantly, we also sense the customer need for a comprehensive healthcare product, with enhanced functionality. and maximized benefits”.

“FG Health Absolute is a step in the direction of providing customers with a proposition that not only meets their demand for a complete product, but goes even further by encouraging them to regularly adopt healthy habits for holistic health. This solution meets nearly every possible health care requirement, from wellness and value-added services, which are the USPs of the product, to enhanced care for mother and child as well as treatments for abroad for specific diseases,” he added.

To read also: How does the co-payment work in health insurance? Here’s everything you need to know

In addition to coverage against a multitude of health care needs, including maternity and newborn expenses, infertility treatment, treatment abroad, OPD’s focus on mental health and physical, vaccination coverage for children up to 12 years old and home care, among others, FG Health Absolute offers a girl child allowance where the maternity sum insured is increased by an additional amount of Rs 10,000 to the birth of a daughter.

Features

  • Guarantee of the newborn under the mother’s contract, until the expiry of the guarantee
  • Reinforced vaccination coverage for newborns
  • A reinstatement of full mental illness benefits under OPD coverage
  • Enhanced coverage for Lasik and Cataract treatments, plus a host of value-added services and wellness rewards programs.
  • Scope of the definition of “family” including the LGBTQIA+ community, resident partners and resident relationships

The policy is available on both online and offline channels. It offers eleven sum assured options for customers ranging from Rs 3 lakhs to Rs 1 crore and provides protection for up to 15 family members. There is no upper age limit for customers.

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Membership Collective Group Chairman and CFO to speak at Bank of America Securities 2022 Gaming and Lodging Conference https://www.membershipclientpro.com/membership-collective-group-chairman-and-cfo-to-speak-at-bank-of-america-securities-2022-gaming-and-lodging-conference/ Fri, 02 Sep 2022 15:50:00 +0000 https://www.membershipclientpro.com/membership-collective-group-chairman-and-cfo-to-speak-at-bank-of-america-securities-2022-gaming-and-lodging-conference/ LONDON, September 02, 2022–(BUSINESS WIRE)–Andrew Carnie, Chairman and Thomas Allen, Chief Financial Officer of Membership Collective Group Inc. (NYSE: MCG), will speak at the 2022 Bank of America Securities Gaming and Lodging Conference, to be held Thursday, Sept. 8 in New York, NY. The remarks by Mr. Carnie and Mr. Allen will take place at […]]]>

LONDON, September 02, 2022–(BUSINESS WIRE)–Andrew Carnie, Chairman and Thomas Allen, Chief Financial Officer of Membership Collective Group Inc. (NYSE: MCG), will speak at the 2022 Bank of America Securities Gaming and Lodging Conference, to be held Thursday, Sept. 8 in New York, NY.

The remarks by Mr. Carnie and Mr. Allen will take place at approximately 10:40 a.m. to 11:15 a.m. Eastern Timeand will be webcast live.

To access the webcast, go to www.membershipcollectivegroup.com then click on the link to the “BofA Gaming and Hosting Conference” under “Upcoming Events”.

Webcast Replay Available: Within 24 hours of the end of the live event
Webcast replay expires: December 9, 2022

ENDS

About the Collective Membership Group:
The Membership Collective Group (MCG) is a global membership platform of physical and digital spaces that connects a dynamic, diverse and global group of members. These members use the MCG platform to work, socialize, connect, create and thrive anywhere in the world. We started with the opening of the first Soho House in 1995 and remain the only company to have developed a private membership network with a global presence. Members worldwide engage with MCG through our global collection, as of July 3, 2022, of 36 Soho Houses, 9 Soho Works, The Ned in London and New York, Scorpios Beach Club in Mykonos, Soho Home – our interiors and our branded lifestyle stores – and our digital channels. LINE and Saguaro hotels in North America are also part of MCG’s broader portfolio.

For more information, please visit www.membershipcollectivegroup.com.
Source: Members Collective Group (MCG)

See the source version on businesswire.com: https://www.businesswire.com/news/home/20220902005154/en/

contacts

Investor Relations
ir@membershipcollectivegroup.com

Media and press
press@membershipcollectivegroup.com

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The Conveyancing Association opens a survey for non-member companies https://www.membershipclientpro.com/the-conveyancing-association-opens-a-survey-for-non-member-companies/ Wed, 31 Aug 2022 13:20:43 +0000 https://www.membershipclientpro.com/the-conveyancing-association-opens-a-survey-for-non-member-companies/ The survey asks for details on what property information companies use and accept, opinions on alternatives to Form TA6, use of Land Registry standards, on-chain view technology and digital integration . AC says it will use the results to support its work in digital transfer, information gathering and other areas. In addition, the Board asks […]]]>

The survey asks for details on what property information companies use and accept, opinions on alternatives to Form TA6, use of Land Registry standards, on-chain view technology and digital integration .

AC says it will use the results to support its work in digital transfer, information gathering and other areas.

In addition, the Board asks companies for input on what the organization should be campaigning for.

CA Director of Delivery, Beth Rudolf, said, “We are acutely aware that there is a lot to do for conveyancing companies to make up their minds and we want to make sure that we anticipate these changes and help make the process as smooth as possible for practitioners.

“We’ve already gathered the views of many CA member firms, but these are industry-wide issues, not just our members, so it’s important to get a holistic view of current processes followed and support for specific changes.

“We would also like to understand what areas transfer agents want us to prioritize as an industry trade body, so we hope all companies can take the time to complete this short five-minute survey.”

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Policy and Advocacy Assistant, Development Finance Team https://www.membershipclientpro.com/policy-and-advocacy-assistant-development-finance-team/ Tue, 30 Aug 2022 04:15:51 +0000 https://www.membershipclientpro.com/policy-and-advocacy-assistant-development-finance-team/ The ideal candidate The role is within Eurodad’s Development Finance team, which works on aid effectiveness, state-backed private finance, international financial institutions and climate finance. The purpose of the role is to support the monitoring, evaluation, accountability and learning (MEAL) processes of the team, including documentation of activities, reporting and evaluation, policy work and strengthening […]]]>

The ideal candidate

The role is within Eurodad’s Development Finance team, which works on aid effectiveness, state-backed private finance, international financial institutions and climate finance. The purpose of the role is to support the monitoring, evaluation, accountability and learning (MEAL) processes of the team, including documentation of activities, reporting and evaluation, policy work and strengthening of the network. In general, the Policy Assistant will support Eurodad in its efforts to build strong and effective coalitions for change and help empower civil society organizations in Europe and beyond.


The role involves supporting project implementation, reporting and coordination, network building, organizing events, producing results, sharing information and developing capacity for the Eurodad network and its allies.


The successful candidate understands and knows a project cycle and its implementation and can take on tasks at every stage of the project. The successful candidate will have strong interpersonal and communication skills and a willingness to work in a multicultural setting, as well as the ability to plan, organize and implement on their own initiative. They will be excited to work at the forefront of development finance campaigns and climate finance policies for transformative change.

  • Key Contacts: Eurodad colleagues, Eurodad members and other civil society organizations in Europe, Africa, Asia, Latin America and the United States.
  • Contract & location: Based in Brussels, permanent contract.
  • Competitive entry-level salary, depending on skills and experience. Attractive benefit package including inpatient, outpatient and dental (DKV) insurance, meal vouchers and eco vouchers, travel insurance and contribution to a private pension plan.

Application instructions

Apply for the position of Policy and Advocacy Assistant – Development Finance Team via Formstack

Please read the attachment carefully role profile and detailed instructions below. We are a small organization and have designed these guidelines to reduce the administrative burden on our team so that we can spend more time on our vital work. Therefore, we regret that we ONLY accept applications that follow these guidelines and will exclude applicants who submit general cover letters.

Use the form at the bottom of the page to submit your CV of 2 pages maximum accompanied by a cover letter of 1 page maximum in English. This letter should be properly formatted, written clearly and concisely, state why you fit the job description and where you saw the vacancy.

Fill in the required data in the form and upload your CV and cover letter in the designated fields. Make sure that the 2 files you download have the following names: Surname_FirstName_CV and Surname_FirstName_CoverLetter; for example, if Peter Bloggs applied for the position, we would expect files with the following names: Bloggs_Peter_CV and Bloggs_Peter_CoverLetter

Eurodad will collect and store your CV and contact details. We only process this data for recruitment purposes. We store this data in our Applicant Tracking System, which stores the data in the United States and is fully compliant with European data protection laws, and we will not share it with anyone else. We would like to retain this data until our open role is filled. We cannot estimate the exact timeframe, but we will consider this timeframe to end when a candidate accepts our job offer for the position for which we are considering you. Once this period is over, we will delete your data or inform you that we will keep it in our database for future roles.

here is a link to our privacy policy. In this policy, you will find information about our compliance with the GDPR (data protection law). You can find how to send us a request to allow you access to your data that we have collected, ask us to delete your data, correct any inaccuracies or limit our processing of your data. You have the right to lodge a complaint about the way we process your data with the Belgian Privacy Commission or you can contact Jeronimo Ruiz Victoria at [email protected] for more information or concerns.
You should receive a confirmation email after successfully submitting your application. If you do not receive this email within 12 hours of submitting your application, please contact us at [email protected] so that we can check if your application has been submitted successfully.
Application deadline: Sunday, September 18, 2022, 11:59 p.m. CET

About Eurodad

Eurodad (the European Network on Debt and Development) is a network of 58 civil society organizations (CSOs) from 28 European countries, which works to ensure that the financial system at global and European level is democratically controlled, environmentally sustainable, contributes to poverty eradication and guarantees human rights for all.
Applicants are encouraged to visit our website: www.eurodad.org and subscribe to our Development Finance Watch newsletter for more information. A summary of our 2021-2025 strategy is here.

Eurodad is an equal opportunity employer and considers applicants for all positions without regard to race, color, religion, creed, sex, national origin, age, disability, condition marital or veteran status, sexual orientation, or other legally protected status. All hiring decisions are entirely merit-based. We strongly encourage people with disabilities to apply.


Apply now

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Rising energy costs ‘will force thousands of convenience stores to close’ | Retail business https://www.membershipclientpro.com/rising-energy-costs-will-force-thousands-of-convenience-stores-to-close-retail-business/ Sun, 28 Aug 2022 18:22:00 +0000 https://www.membershipclientpro.com/rising-energy-costs-will-force-thousands-of-convenience-stores-to-close-retail-business/ Thousands of convenience stores will be forced to close due to soaring energy costs unless the government steps in with emergency aid, a trade body has said. The Association of Convenience Stores (ACS) wrote to the Chancellor, Nadhim Zahawi, saying that without financial support, its members would be forced out of business. “We will see […]]]>

Thousands of convenience stores will be forced to close due to soaring energy costs unless the government steps in with emergency aid, a trade body has said.

The Association of Convenience Stores (ACS) wrote to the Chancellor, Nadhim Zahawi, saying that without financial support, its members would be forced out of business. “We will see villages, housing estates, neighborhoods and shopping streets lose their small businesses,” the letter said.

The trade body, which represents 48,000 local shops employing 405,000 staff, said energy bills had soared to an average of £45,000 for smaller members, a figure more than double what shop owners had paid before renewing their contracts in recent months.

Collectively he said his members faced energy bills worth £2.5billion and needed a support package worth at least £575million to stay afloat.

“The government must understand that this is an emergency. Thousands of convenience stores will be forced to make extremely difficult decisions in the face of tens of thousands of pounds of additional energy costs in the coming months, which will at best include canceled investments, reduced staff hours and increased prices in the stores, driving up inflation even further,” he said. “For some, however, the cost of energy will make the business unviable, and so they will be forced to close unless steps are taken to provide meaningful support.”

The bailout plan outlined by ACS would include an emergency electricity price cap for small businesses and a freeze on further business rate increases, which ACS said would be phased out between October and March.

“We cannot overstate the urgency of the situation facing our members. They are very resilient businesses that sell a wide range of products and services, adapting to the changing needs of their local communities. ACS does not typically anticipate large-scale convenience store closures, but we are doing it seriously now,” ACS chief executive James Lowman wrote in the letter.

A Treasury spokesman said the government understood people were struggling with rising prices and was trying to support businesses “to navigate the months ahead”.

“We have cut taxes for hundreds of thousands of businesses by increasing employment allowance and reducing fuel taxes. We also introduced 50% business rate relief for retail, hospitality and leisure businesses, and curbed bill increases by freezing the $4.6 billion business rate multiplier. pounds over the next five years,” the spokesperson said.

“We are making the necessary preparations to ensure that a new government will have the opportunity to provide additional support as soon as possible.”

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Phishing and smishing on the rise > Sixteenth Air Force (Air Forces Cyber) > Newsroom https://www.membershipclientpro.com/phishing-and-smishing-on-the-rise-sixteenth-air-force-air-forces-cyber-newsroom/ Fri, 26 Aug 2022 16:39:28 +0000 https://www.membershipclientpro.com/phishing-and-smishing-on-the-rise-sixteenth-air-force-air-forces-cyber-newsroom/ JOINT BASE SAN ANTONIO-LACKLAND, Texas — JOINT BASE SAN ANTONIO-LACKLAND, Texas. You did, you almost clicked on a text, link, or replied to an email that looked legitimate and potentially gave personal information to scammers. You’re not alone. Phishing and smishing crimes are on the rise and people across the country are falling […]]]>


JOINT BASE SAN ANTONIO-LACKLAND, Texas. You did, you almost clicked on a text, link, or replied to an email that looked legitimate and potentially gave personal information to scammers. You’re not alone. Phishing and smishing crimes are on the rise and people across the country are falling for scams on a daily basis. Scammers seek to obtain your personal information and subsequently gain access to your money, accounts, or line of credit.

Phishing occurs when scammers primarily use email to attempt to extract personal information. Smishing occurs when scammers send text messages to gain access to personal information or passwords. Regardless of the medium, scammers can impersonate a bank, creditor, guarantor company, or even a former or current military unit seeking military contact.

The Office of Special Investigations understands general phishing attempts, but is concerned about attempts specifically targeting the military.

“The military are just as likely to fall victim to phishing attacks as the general population. Scammers exploit Airmen’s military affiliation by appearing to represent military agencies such as the Defense Finance Accounting Department or by appearing to be the member’s squadron or wing,” said Jeffrey Sroka, liaison officer for the Office of Special Investigations, 16th Air Force (Air Forces Cyber).

Scammers attempt to trick service members into clicking emails or responding to text messages.

“These phishing campaigns may be accompanied by identifying information from military units,” Sroka said. “This military connection makes the phishing attempt more legitimate.”

Phishing and smishing affect Airmen and their families throughout the Air Force.

Recently, a Total Force airman answered a phone call from what he thought was his bank. The callers spoke professionally and seemed to know his banking information, so he felt comfortable giving them his account information. The crooks were able to access his account and take $500.00. The airman said the phone call sounded genuine and reasonable.

The account breech caused the Airman to scramble and cancel all of his credit cards and change all of his account passwords.

Once scammers have account numbers or information from things like credit cards, they continue to commit other crimes. They can immediately attempt to make purchases, steal your identity, or open credit cards in your name.

“It can be very difficult to identify the people behind this. They often use burner phones and accounts to hide their true identities, and they are often located outside of the United States,” Sroka said.

As scammers become more advanced in their tactics, distinguishing legitimate communications from phishing and smishing can be a difficult task.

Sroka provides several tips to prevent Total Force Airmen from falling victim to phishing, smishing, and other cybercrimes:

 

  • Be careful about the information you post on social media; the platforms are public.
  • Lock down your accounts, don’t make them public for everyone to see.
  • Use two-factor authentication; If your username and password are compromised, you have a second way to secure your data.
  • Report account breaches as soon as possible, cancel or freeze affected credit cards, and change passwords for breached accounts.
  • If you are using the same username and password for the account that has been compromised elsewhere, you should assume that all accounts with the same username and passwords could also be compromised.
  • Don’t click on information you don’t know about, even if it comes from someone you know.
  • If the information comes from someone you know, contact them before clicking or taking any action.
  • Press delete; don’t click and don’t respond at all. You can also block numbers placed on your phone.

“The best thing to do is to avoid compromise,” Sroka said. “If this happens, immediately report that you believe your account or identity has been compromised to the relevant authority or financial institution.”

Violations can be reported to the Federal Trade Commission or the Anti-Phishing Task Force. You can report phishing to APWG by emailing phishing-report@us-cert.gov.

Sroka believes Airmen should be able to focus on the mission and their lives, and not have the stress of canceling credit cards and fixing compromised bank accounts, which leads to added stress in finding new ways to pay. bills like their rent or mortgage.

 

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