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UNIONS:  DO YOU UNDERSTAND HOW THEY REALLY WORK?
 
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Some people love unions. Some people say unions are no good. This video does a spectacular job of showing what happens with public union employees, our taxes and their money. Also, how are politicians involved in all this? Paul Ryan says, "In a Romney-Ryan administration we will not be ambiguous, we will stand with education reform, we will champion bipartisan education reforms putting students first." Consider the teachers' strike going on in Chicago (Sept 2012), then watch the video: ** Chicago teachers average salary: $70,000 -- $76,000 per year (Highest or 2nd highest in nation). ** Chicago average family income: $47,000 per year. ** The city has already offered an 11% raise to teachers, but the union denied it. ** The Chicago Teachers Union originally asked for a 30% raise. ** Average health-care costs paid by teachers: 3%. ** Out of every new dollar set aside for public education in Illinois in the last 5 years, 71 cents goes to teacher retirement costs. ** Only 15% of fourth graders are proficient in reading. ** Only 56% of students who enter their freshman year of high school wind up graduating.
Views: 81492 Kerry Coates
How Credit Unions Work. Part1
 
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How Credit Unions Work. Part1 On the surface, credit unions look a lot like banks. They both hold deposits, make loans, issue checks and ATM cards, and offer investment services. But the real difference between banks and credit unions has less to do with the services they offer and more with how each institution is run. Banks are for-profit companies. They make money by charging interest on loans, collecting account fees and reinvesting all that money to earn more profit. But as for-profit companies, they also pay state and federal taxes.
Views: 1206 Online Trading
My Money Makes Money (Navy Federal Credit Union Special Offer!)
 
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Support me @ PayPal: https://www.paypal.me/RossWorld Navy Federal IRA: https://www.navyfederal.org/products-services/checking-savings/certificates-rates.php Investing is not a new phenomenon or any of the sort. The first stock exchange was created back in 1531 in Belgium. I aim to inform, encourage, charge, and advise people to start saving and investing to build and maintain wealth. Whether it be for retirement, a house, or emergency fund it’s imperative to understand how investing work and the benefits that it entails. Everyday we spend money or things that contains no real valuable (I call that blowing your money). As we purchase these things we decrease the amount we can be investing and making money. Follow me here: Google Plus: https://plus.google.com/+RossWorld Twitter: https://twitter.com/RossWorld0
Views: 10502 My Money Makes Money
Do Labor Unions Still Matter?
 
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What Happens If A Country Goes Bankrupt? http://testu.be/1Irc7xC » Subscribe to NowThis World: http://go.nowth.is/World_Subscribe Bankruptcy is a common occurrence in the U.S., with thousands of people filing each year. So, what are the different types of bankruptcy? Learn More: Chapter 11 Bankruptcy - Causes & Solutions https://www.debt.org/bankruptcy/chapter-11/ "Chapter 11 bankruptcy, also called reorganization, is a type of bankruptcy designed to allow companies to restructure their debts." Puerto Rico's Governor Says Island's Debts Are 'Not Payable' http://www.nytimes.com/2015/06/29/business/dealbook/puerto-ricos-governor-says-islands-debts-are-not-payable.html?_r=1 "Puerto Rico's governor, saying he needs to pull the island out of a "death spiral," has concluded that the commonwealth cannot pay its roughly $72 billion in debts, an admission that will probably have wide-reaching financial repercussions." Insolvency https://www.debt.org/faqs/insolvency/ "Insolvency is the financial state in which a person or company can no longer pay its bills and other monetary obligations in a timely manner." _________________________ NowThis World is dedicated to bringing you topical explainers about the world around you. Each week we’ll be exploring current stories in international news, by examining the facts, providing historical context, and outlining the key players involved. We’ll also highlight powerful countries, ideologies, influential leaders, and ongoing global conflicts that are shaping the current landscape of the international community across the globe today. More from NowThis: » Subscribe to NowThis News: http://go.nowth.is/News_Subscribe » Like NowThis World on Facebook: https://go.nowth.is/World_Facebook » Connect with Judah: Follow @judah_robinson on Twitter – Facebook: http://go.nowth.is/LikeJudah » Connect with Versha: Follow @versharma on Twitter – Facebook: http://go.nowth.is/LikeVersha http://www.youtube.com/nowthisworld Special thanks to Julia Wilde for hosting TestTube! Check Julia on Twitter: https://twitter.com/Julia_SCI
Views: 87970 NowThis World
Credit Unions:  How Do They Really Work? - Alex Gray
 
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So everyone's talking about credit unions these days, but what are they? Before you decided to join one you probably want to understand how they work. Well watch this video and be enlightened in your search to manage your money and live young and free!
Views: 10553 Alex Gray
How Credit Unions work.
 
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Why not take two minutes to find out if credit unions can help you? They are a community savings and loans organisation with loans up to £15,000 and you may be surprised to learn they could help you!
Views: 9937 Mac McCarthy
Wanna Make $65 an Hour? Become a Blue Collar Apprentice
 
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Brandon Archilla, a former barber and truck driver, is now on his way to an all-expenses paid path that will lead him to a six-figure salary. He's one of 525 students getting paid to learn a trade at a five-year plumbing apprenticeship program in New York City, run by Plumbers Local Union 1 in Queens. Competition for the program is stiff, and demand is high. Archilla was one of thousands who literally lined up in the street when applications became available. ‘I waited on line for three days, slept on the street,’ said Archilla. ‘About a year later they called me to get in, which is probably the best thing that’s happened to me.’ As part of the program, Archilla gets paid $14 an hour to attend school and work under supervision. At the end of five years, he will earn more than $65 an hour as a journeyman plumber, and walk away with an Associates Degree in Science from The State University of New York’s Empire State College. The best thing about it? Archilla pays absolutely nothing for the training. Tuition is free. ‘We all know that college isn’t for everybody. We call our program the other four year degree,’ said Brent Booker, Secretary-Treasurer of North America’s Building Trades Unions. ‘You get skills training, you earn while you learn.’ The federal government has declared this as the first ever National Apprenticeship Week, and the North American Building Trades Union is hosting open houses in more than 15 cities this week, to raise awareness about apprenticeship programs. The best investing tip for Millennials: Get started today! Take the first step by checking out our full Millennial investing roundtable here: https://webinar.thestreet.com/20180418/?signup=true&ad=external-youtube Subscribe to TheStreetTV on YouTube: http://t.st/TheStreetTV For more content from TheStreet visit: http://thestreet.com Check out all our videos: http://youtube.com/user/TheStreetTV Follow TheStreet on Twitter: http://twitter.com/thestreet Like TheStreet on Facebook: http://facebook.com/TheStreet Follow TheStreet on LinkedIn: http://linkedin.com/company/theStreet Follow TheStreet on Google+: http://plus.google.com/+TheStreet
Do Big Unions Buy Politicians?
 
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Who poses the biggest threat to America's economy by striking deals with crooked politicians? Big Oil, Big Pharma, or Big Unions? Daniel DiSalvo, political science professor at the City College of New York, gives the answer. Donate today to PragerU! http://l.prageru.com/2ylo1Yt Joining PragerU is free! Sign up now to get all our videos as soon as they're released. http://prageru.com/signup Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/29SgPaX JOIN our Educators Network! http://l.prageru.com/2c8vsff Script: Ever hear complaints about Big Banks, Big Oil and Big Pharma? I'll bet you have. But there's another "Big" that you rarely hear about -- Big Unions. And I'm not talking about private company unions -- like auto and steel workers. Only 6.7% of workers belong to private sector unions. No, I'm talking about Public Employee Unions. They're very big. And very powerful. Far bigger and more powerful than most people know. In fact, the impact they have on how state and local governments operate makes Big Banks, Big Oil and Big Pharma look small by comparison. But before I explain why, I should explain who the Public Employee Unions are. They are the unions that represent policeman, fireman, sanitation workers, teachers, and the vast army of others -- the bureaucrats -- who administer city, state and federal governments. The public service unions negotiate on behalf of these workers for their wages, benefits, and working conditions. And who is the on other side of the table? Our elected representatives, the people in charge of spending the money we pay to government in taxes. Think about this for a moment and you will immediately realize that the goal of the public employee unions is to negotiate with union-friendly politicians. And the way to get friendly with a politician is to help him get elected. Which is exactly what the unions do. First, they have a lot of money. In many states, working for the government is a closed shop: that is, to work for the government you have to pay dues to the union. This guarantees these unions a large membership and a large pot of cash. Spreading this money around, especially in local elections, goes a long way. Second, unions provide union-friendly candidates, at no charge, with seasoned political activists to help run campaigns. These activists marshall other union members to put up campaign signs, work the phones, and gather up loyal voters on election day. This is a proven strategy. And candidates, especially in the big cities where there are a lot of public employees, know it. Courting union support is critical to victory. "We will fight for a fair contract!" New Jersey gubernatorial candidate, Jon Corzine, said to a rally of 10,000 public workers in 2006. But fight who for a fair contract? The person the unions would be "fighting" if Corzine were to win the election (he did) is . . . Corzine! The Speaker of the New York State Assembly once told a United Federation of Teachers rally "I and my colleagues in the Assembly majority will be your best friends . . . in Albany." Exactly right. In California in 2010 an official of the Service Employees International Union, known by its initials, the SEIU, told elected officials: "We helped to get you into office, and we got a good memory . . . Come November, if you don't back our program, we'll get you out office." Again, exactly right. As Dan Walters of The Sacramento Bee wrote, "public employee unions wield immense, even hegemonic influence over the Democratic majorities in the [California] state legislature." What is the consequence of all this power? The most obvious consequence is that cities and states overpay their workers -- by a lot. Trash collection in Dallas, Texas, a state whose government workers are not unionized, costs $74 per ton. Trash collection in Chicago, whose government workers are unionized, costs $231 per ton. These kinds of inefficiencies exist everywhere public unions dominate. For the complete script, visit https://www.prageru.com/videos/do-big-unions-buy-politicians
Views: 599476 PragerU
Stossel: Supreme Court Ruling May Crush Unions
 
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Monday the Supreme Court hears a case that could block unions from forcing government workers to pay union dues. ---------------- Subscribe to our YouTube channel: http://youtube.com/reasontv Like us on Facebook: https://www.facebook.com/Reason.Magazine/ Follow us on Twitter: https://twitter.com/reason Subscribe to our podcast at iTunes: https://goo.gl/az3a7a Reason is the planet's leading source of news, politics, and culture from a libertarian perspective. Go to reason.com for a point of view you won't get from legacy media and old left-right opinion magazines. ---------------- Monday the Supreme Court hears a case that could block unions from forcing government workers to pay union dues. John Stossel was forced to pay union dues when he worked at CBS and ABC, and he says government workers should have the right to choose whether to pay. Of course, that would weaken the power of union leaders. Teacher Rebecca Friedrichs says their power should be weakened. She tried to fight people she calls "bullies" at the California Teachers Association. She was trying to save some teachers' jobs during the last recession by getting all her fellow teachers to take a slight pay cut. She says the teachers were willing to take a cut–to save jobs, but the union would not even allow her to survey the other teachers. So Rebecca decided she no longer wanted to pay union dues. She sued the California Teachers Association and her case went all the way to the Supreme Court. Observers said Rebecca was likely to win. But then Justice Antonin Scalia, who would likely have ruled in her favor, died. Without him, the case tied 4-4; that meant the union won. Now, Scalia has been replaced by Neil Gorsuch, and the court will hear a nearly identical case next week brought by plaintiff Mark Janus. The union being sued is America's largest government workers' union, The American Federation of State, County and Municipal Employees (AFSCME). Their Director of Research and Collective Bargaining, Steven Kreisberg, tells John Stossel it would be unfair for the court to make public-sector unions like his "right to work." Kreisberg suggests that the plaintiff "simply doesn't want to pay [dues] because he'd like to get those [union] services for free." Stossel asked Friedrichs about that. Her answer: "I never asked for [union] representation...I don't see it as a benefit...the benefits aren't worth the moral costs." By "the moral costs," she means the harm in supporting a union that she thinks harms kids and teachers with their bad policies. Stossel says he hopes the court will make government-worker unions "right to work," because forcing someone to pay for something they don't want is tyranny.
Views: 58775 ReasonTV
Labor Markets and Minimum Wage: Crash Course Economics #28
 
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How much should you get paid for your job? Well, that depends on a lot of factors. Your skill set, the demand for the skills you have, and what other people are getting paid around you all factor in. In a lot of ways, labor markets work on supply and demand, just like many of the markets we talk about in Crash Course Econ. But, again, there aren't a lot of pure, true markets in the world. There are all kinds of oddities and regulations that change the way labor markets work. One common (and kind of controversial one) is the minimum wage. The minimum wage has potential upsides and downsides, and we'll take a look at the various arguments for an against it. Crash Course is on Patreon! You can support us directly by signing up at http://www.patreon.com/crashcourse Thanks to the following Patrons for their generous monthly contributions that help keep Crash Course free for everyone forever: Mark, Eric Kitchen, Jessica Wode, Jeffrey Thompson, Steve Marshall, Moritz Schmidt, Robert Kunz, Tim Curwick, Jason A Saslow, SR Foxley, Elliot Beter, Jacob Ash, Christian, Jan Schmid, Jirat, Christy Huddleston, Daniel Baulig, Chris Peters, Anna-Ester Volozh, Ian Dundore, Caleb Weeks -- Want to find Crash Course elsewhere on the internet? Facebook - http://www.facebook.com/YouTubeCrashCourse Twitter - http://www.twitter.com/TheCrashCourse Tumblr - http://thecrashcourse.tumblr.com Support Crash Course on Patreon: http://patreon.com/crashcourse CC Kids: http://www.youtube.com/crashcoursekids
Views: 466614 CrashCourse
Credit Union Benefits
 
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www.cambridge-credit.org -- Transcription: In our last episode we discussed the overall benefits of using a credit union versus a bank. If you recall, credit unions are founded on the Seven Cooperative Principles philosophy. These principles, which include open membership, democratic control, member economic participation, autonomy, education, cooperation, and concern for the community, predicate their actions. A credit union's not-for-profit status, and membership driven philosophy, are reasons enough to consider making a switch. However, you might be surprised at some of the little things that really make a credit union membership worthwhile. I recently spoke with Morriss Partee, founder of the Everything CU website for credit union professionals, and we discussed some fantastic credit union benefits -- some of which I was not even aware. For instance, many credit unions are part of a large network, called Shared Branching. If your credit union is a member of a Shared Branching system, you can use any other credit union in that network as you would your own. You can go in and ask account questions, cash a check, or just about any other transaction you would at your own branch. If you're concerned about ATM access, you needn't be. Believe it or not, some credit union ATM networks are larger than that of America's biggest bank. Your credit union may even rebate any ATM fees you are charged. Another difference you’ll find at a credit union is their willingness to help. Remember, you are a member, not a client. Mr. Partee informed me that many credit unions offer financial literacy education and personalized budgeting advice. You can work one-on-one with a professional if you’re looking to solve your family’s budget problems. You may also be able receive credit guidance if you're turned down for a loan. A representative, from a participating credit union, can review the reasons your loan application was declined and help you strategize ways to improve your credit. Some of you are probably wondering, “Do credit unions offer credit cards?” Credit unions are full service institutions, and many offer credit cards. You should always take caution when applying for additional lines of credit, especially if you're having a difficult time making your bill payments. However, if you're in the market for a credit card, you would be missing out if you did not shop at a credit union. Granted, you must be a member of a credit union in order to apply for their credit card products; however, as a popular slogan notes, membership has its privileges. On average, credit union cards carry a 12% interest rate. What's fascinating is that the average penalty rate is just shy of 18%, compared with the penalty interest rate of 29.99% that has become common in the for-profit banking industry. There are plenty of reasons to consider using a credit union. Typically, you receive higher interest rates on savings accounts and certificates of deposit. You'll usually receive more favorable terms on home and auto loans and credit cards, and you're very likely to save money on checking account fees. There are also many advantages to using your current bank, or even switching to a local bank. Every financial decision you make needs to be weighed against the value you receive in return. You may like the security or convenience of a larger banking institution and find their fees reasonable. However, many of us are struggling through this difficult economy, and we should always be on the lookout for money-saving alternatives such as credit unions and local banks. As a customer, you have choices. It's important to examine these choices when the terms of the services you've been provided are altered. This is true of any financial product, be it a credit card, or a checking account. If the new terms are not to your liking or don't fit comfortably within your budget, shop around. To find a credit union near you, visit the Credit Union National Association's website at www.creditunion.coop and select Locate a Credit Union, which is located on the left-hand-side of the screen. A quick find function will return results based on your selections, and provide detailed information about the various credit unions in your community, including membership requirements. Well, that’s it for this edition. As always, we welcome your feedback and ask for your thoughts and suggestions by e-mailing us at [email protected] Thank you for watching. Until next time, I’m Thomas Fox for Cambridge Credit Counseling.
Public Union: Public Enemy
 
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Public-sector unions have been gaming the political system for decades, bankrupting whole cities and plunging states into massive debt. How did this happen and can it be stopped? Akash Chougule, senior policy fellow for Americans for Prosperity, has the answers in this sobering video from Prager University. Donate today to PragerU! http://l.prageru.com/2eB2p0h Get PragerU bonus content for free! https://www.prageru.com/bonus-content Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/2aozfkP JOIN our Educators Network! http://l.prageru.com/2aoz2y9 Script: How would you like to fund politicians with whom you strongly disagree? Not interested? How about if I… forced you? How would I do that? Well, what if I said, “If you don’t pay, you lose your job.” For decades, millions of state and local government workers—police, firefighters, teachers, and others—have been forced to make that choice. And who forces them? Public-sector unions; that is, unions who represent public-sector employees. How? It’s pretty straightforward. First, they demand employees pay hundreds of dollars in union dues as a condition of employment—meaning if they don’t pay, they get fired. Next, they use that money to support and elect union-friendly politicians. Then they negotiate contracts with those same politicians—kind of like negotiating with yourself. It’s a sweet deal—unless you’re a worker who doesn’t agree with those union-friendly politicians. Or the taxpayer who has to foot the bill for those union contracts. This game plan is not a secret. Here’s what the American Federation of State, County, and Municipal Employees say on their website: "We elect our bosses, so we've got to elect politicians who support us and hold those politicians accountable." These perverse incentives might help explain why, for most of American history, pretty much no one thought that unionizing government workers was a good idea. This includes liberal icon President Franklin Roosevelt. Roosevelt was a very strong supporter of private-sector unions, but a very strong opponent of public-sector unions. Here’s what he said on the subject in 1937: “All Government employees should realize that the process of collective bargaining…cannot be transplanted into the public service...” Roosevelt recognized that public-sector unions could hold the government hostage at will. They could simply threaten to walk off the job if they didn’t get what they wanted. Sanitation workers, for example, could put public health at risk by refusing to collect the garbage. Other public employees would have similarly disruptive power. This was, Roosevelt believed, “unthinkable and intolerable.” In 1943, New York state’s highest court agreed, calling government unions “not only incompatible with the spirit of democracy, but inconsistent with every principle upon which our government is founded.” In the late 1950s, New York City and Wisconsin defied this view and allowed their public employees to unionize. But it was President John F. Kennedy who opened the floodgates. In order to win the support of union leadership in the 1960 presidential election, he promised to allow federal employees to unionize—and fulfilled that promise with Executive Order 10988 in 1962. It was a shrewd political move, but a bad deal for the country, and its consequences are still being felt today as public-sector unionization spread rapidly in the decades that followed. Today, unions wield tremendous power in government. Try to fire a poor-performing government worker in New York City or Los Angeles. Or almost any unionized government employee anywhere. It’s extremely difficult—if not impossible—no matter how incompetent they might be. According to one union contract in Michigan, employees could be caught drunk at work five times before being fired. For the complete script, visit https://www.prageru.com/videos/public-union-public-enemy
Views: 3658909 PragerU
A day in the life of a Union Electrician (1 of 2)
 
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A day in the life of a Union Electrician (2 of 2) https://www.youtube.com/watch?v=0SfO9rs4MJk This is a day for me in my current project. In no shape way or form it's the same for any other electrician. That is the beauty of being an electrician. Every day there is something different. Since this video, I have assisted in the installation of the Fire Alarm System, Lighting Controls, Running rigid pipe for the NEMA 3 devices and installations in outdoor areas, QC for the majority of the East wing apartments, finally powered all the cameras and security devices. This is my first video. I am still learning how to make better videos. Any positive ideas will help. Thanks
Views: 125636 LMT
Do Unions Fees Violate Your First Amendment Rights?
 
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One government worker’s $45 non-member union fee could result in the loss of millions of members and dollars for unions. The Supreme Court is set to hear what is being called the labor case of the century. Mark Janus, an Illinois public employee, is the lead petitioner in Janus v. American Federation of State, County and Municipal Employees. AFSCME is the nation’s largest public service union. He says when the union collected a portion of his pay check as a part of a “fair share fee” it was a violation of his First Amendment rights, because the union supported political causes he didn’t support. The union warns that if the Court agrees with Janus, they’ll lose resources to negotiate benefits, pensions and salaries for workers. The case is being closely watched by unions and law experts alike, including UCLA Law Professor Eugene Volokh who filed a friend of the court brief. He’s a fierce free speech advocate, yet he says this case has nothing to do with the First Amendment. He joins Soledad O’Brien for a conversation on the historical nuances of the case, the possibility of 40 years of labor law precedent being overturned and whether compulsion of fees violates your freedom of speech.
Views: 2936 Matter of Fact
What happens when a pension fund runs out of money?
 
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The fate of 273,000 union workers' and retirees' benefits is in the hands of Ken Feinberg, who has been tapped to review the Central States Pension Fund's proposed cuts.
Views: 52904 CNN Business
5 HIGH PAYING JOBS 💵 WITH LITTLE TO NO COLLEGE 🎓
 
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What are some of the best paying jobs you can get with minimal college or no college? These are five jobs you can get that do not require you to spend a ton of money on a college education. These are five high paying jobs, some with no degree! FOLLOW ME ON INSTAGRAM FOR DAILY MOTIVATIONAL CONTENT ✔️ @ryanscribnerofficial _______ Ready to start investing? 🤔💸 WEBULL: "Get a FREE STOCK worth up to $1000." 💰 http://ryanoscribner.com/webull BETTERMENT: "Passive investing, they manage everything for you." 📈 http://ryanoscribner.com/betterment FUNDRISE: "Passive real estate investing, 8 to 11% returns." 🏠 http://ryanoscribner.com/fundrise M1 FINANCE: "Invest in partial shares of stocks like Amazon." 📌 http://ryanoscribner.com/m1-finance LENDING CLUB: "Become the bank and make interest on loans." 🏦 http://ryanoscribner.com/lending-club COINBASE: "Get $10 in free Bitcoin (when you fund $100)." ⭐ http://ryanoscribner.com/coinbase _______ Want more Ryan Scribner? 🙌 MY INVESTING BLOG ▶︎ https://investingsimple.blog/ FREE INVESTING COURSE ▶︎ http://ryanoscribner.com/free-course FACEBOOK GROUP FOR ENTREPRENEURS ▶︎ https://www.facebook.com/groups/164766680793265/ COURSE CREATION COMPANION ▶︎ http://ryanoscribner.com/course-creation-companion LIKE MY FACEBOOK PAGE ▶︎ https://www.facebook.com/ryanoscribner/ PASSIVE INCOME MASTERCLASS LIVE EVENTS ▶︎ http://ryanoscribner.com/passive-income _______ Premium Educational Programs 🧐 PRIVATE STOCK MARKET INVESTING SITE 📊 http://ryanoscribner.com/stock-radar STOCK MARKET INVESTING COURSE 📈 http://ryanoscribner.com/stock-market-investing-course _______ Ready to keep learning? 🤔📚 My Favorite Personal Finance Book 📘 https://amzn.to/2NiyDiz My Favorite Investing Book 📗 https://amzn.to/2KEyd7D My 2nd Favorite Investing Book 📗 https://amzn.to/2tZmxBU My Favorite Personal Development Book 📕 https://amzn.to/2KJKgRn Not a fan of reading? Join Audible and get two free audio books! ❌📚 http://ryanoscribner.com/audible _______ DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments. AFFILIATE DISCLOSURE: I am affiliated with a number of the offerings on this channel. This includes the links above under "Ready To Start Investing" as well as other influencers I bring on the channel. This also includes the use of Amazon affiliate links. (Send me something) Scribner Media LLC PO Box 641 Ballston Spa, NY 12020
Views: 745825 Ryan Scribner
How to MAKE MONEY as a member of The Union
 
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This video today is about building construction in New Jersey. Laborers Local 3. Carpenter Local 253. Masons Local 29. Please Subscribe see more videos ➡➡https://www.youtube.com/channel/UCEQyOM17U7LDhRKoSXahEHA?view_as=subscriber
How Do You Get Into A Union Job?  - Cement Masons and Plasterers
 
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http://www.OPCMIA.org ------How Do You Get Into A Union Job? - Cement Masons Contact Us Here. How do you join a trade union? ATS Building Products USA Corp https://youtu.be/dTJ0fhlGSI8 3M Personal Safety Division 3rd Eye 4 Seasons Adventure Argentina 4 Seasons Ties Inc. A & A Melters A. R. T. Concrete Solutions #ConcreteSolutions A.R.E. Blue Classic- The Revolutionized Diamond Tools Aarcomm Systems Inc Aaron Hilbert LLC Abbott Rubber Company Inc. AboutTime / WorkMax AC Business Media Accelerated Fastening AccuCrete AccuFooting Concrete Forming System ACE-CO ACH Foam Technologies Acid Magic ACO Polymer Products, Inc. AC-Tech | Allied Construction Technologies, Inc. Acumatica ACUTUS INDUSTRIAL POWER INC ADA Solutions, Inc. ADCOS NV Adhesives Technology Corp Adjustable Kicker LLC ADSF Advance Concrete Form Inc Advanced Cement Technologies Advanced Coatings Inc. Advanced Concrete Technologies Inc Advanced Equipment Inc Advanced Formliners / Speedymason Aegion Coating Services Ag Growth International (AGI) & Airlanco AGL Manufacturing Ltd. Air & Water Systems Air Filter Blaster Airo Industries, Inc. Airplaco Equipment Co AIRTEC AG Ajustco, LLC. Alaskan Anglers Alba - Macrel Group, S.L. Albion Engineering Company Alchemy-Spetec Alcot Plastics Ltd Alkota Cleaning Systems All Parts Distributors LLC Allen Engineering Corp Allen Engineering Corp Allen Engineering Corp Alliance Concrete Pumps Inc./ JUNJIN Heavy Industry Co. Alliance Construxion Group/Hebei Minmetals Alliance Tire Americas Inc. Allied Construction Products LLC ALLPLAN ALP Supply Alpha Maquinaria para la Industria Pesada Altec Amadio & C Spa - Amadio & C Corporation Amano Pioneer Eclipse Corp American Concrete Institute American Concrete Pavement Association American Concrete Pump Supply & Hebei Chuanchuan Trading Co., American Concrete Pumping Assn (ACPUMA) American Express American Express American Express American Geothermal American Shotcrete Association American Society of Concrete Contractors American Society of Concrete Contractors American Specialty Glass Amerimix AmeriPolish, Inc AMS - Merlo Amvic Building System Anderson Striping & Construction, Inc. . . How much does a union electrician make a year? How much money does a union painter make? How much do union tapers make? How much do plumbers make in the Union? How much money does a mason make? How much does a pipefitter make a year? How much does a pipefitter make a year? How much do masonry laborers get paid? How much do stonemasons make a year? Why you should join a trade union? What are the benefits of a trade union? Why is it good to be part of a union? Why would employees want a union? Why unions are bad for employers? Can I be fired for trying to form a union? What are the pros and cons of a union? What are the benefits of being in a union? Why you should not join a union? How do you join a trade union? How much do union laborers make? How much is it to be in a union?
Views: 280 Darren Enns
Why Teachers Unions Don't Want School Choice
 
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Take the pledge for school choice! http://www.schoolchoicenow.com Can every child receive a good education? With school choice and competition, yes. The problem? Powerful teachers unions oppose school choice. But when teachers and parents understand why school choice works, they support it. Rebecca Friedrichs, a public school teacher who took her case against the teachers union all the way to the Supreme Court, explains why school choice is the right choice. Donate today to PragerU! http://l.prageru.com/2ylo1Yt Joining PragerU is free! Sign up now to get all our videos as soon as they're released. http://prageru.com/signup Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/29SgPaX JOIN our Educators Network! http://l.prageru.com/2c8vsff Script: What if schools had to compete for students in the same way that businesses have to compete for customers? Would schools get better or worse? There’s no need to guess. In almost every state and city where there is competition today, educational outcomes improve – often dramatically. This competition is called school choice, and many states and cities now embrace it. With the old model, under which most American children still live, the government – not the parent – decides which school children will attend. Now, here’s how school choice works: The money follows the student. Every child receives funding that their parents can direct to the school of their choice – public, private, charter or even homeschool. According to researchers at the University of Arkansas – in the most comprehensive study done to date -- students in school choice programs saw their reading and math scores improve by 27 percent and 15 percent, respectively. Sounds like something we should get behind, doesn’t it? But for millions of families in my home state of California and in many others, school choice is not a choice. And there’s one reason why: teachers’ unions. I’ve been a teacher for 28 years, and served as a leader in a local affiliate of the California Teachers Association -- so I’ve seen this problem from the inside. Teachers in California public schools are coerced to pay dues to the teachers’ unions. True, we cannot be forced to join, but we are forced to pay the union. Their fees are mandatory - and expensive. In California alone, the unions raise over 300 million dollars every year. What do the unions do with all that money? They lobby the government for more money - more money for public education. That might sound good, but it’s really just a smoke screen. The National Center for Education Statistics reports that since 1970, public school attendance in the U.S. has gone up by just five percent, while public school employment has gone up 95 percent! More public school employment means more dues for the unions. But does it mean better schools? Certainly not in California, which ranks 45th in the nation in reading and math despite spending over 55 billion dollars a year on education. That’s over 52% of the state’s total budget. Yet rarely is anyone held accountable for these dismal results. I’ve personally seen excellent, new teachers lose their jobs while incompetent, and even abusive, veteran teachers keep theirs because of the unions’ infamous “last in, first out” layoff and tenure rules. For these reasons and more, parents almost always prefer school choice when allowed to choose. This is obviously true for wealthy parents who can afford to send their children to any school they want, but it’s equally true for middle class and poor parents when they have a choice. And here’s the real giveaway: public school teachers are less likely to send their children to public schools when given the choice. For the complete script, visit https://www.prageru.com/videos/why-good-teachers-want-school-choice
Views: 1017738 PragerU
How to Make Money as a Musician : Unions: Paid Professional Musicians
 
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Learn tips on whether to join a music union in this free video on making a living as a professional musician. Expert: Jim Dufresne Bio: Jim Dufresne taught 20 years in Community College and currently teaches at S.W. Academy and gives private lessons. He performs at the Maybery Ranch western show and has a band "Cazz Jazz". Filmmaker: Chuck Tyler
Views: 483 expertvillage
Do union carpenters make good money
 
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Do union carpenters make good money - Find out more explanation for : 'Do union carpenters make good money' only from this channel. Information Source: google
Views: 11 WikiAudio1
Banks VS Credit Unions
 
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Banks vs Credit Unions. Bank vs credit union. Credit unions vs banks. Credit union vs bank. Differences between banks and credit unions. Financial Education In comments section put 5 for strongly agree 4 for slightly agree 3 for neutral 2 for slightly disagree 1 for strongly disagree Please Subscribe to financial education channel if you like awesome videos about business, financial markets, and personal Finance Fridays! Uploads 5 times a week! I hope you enjoyed! Please share with friends and family!
Views: 32849 Financial Education
Construction workers on jobs: 2009 vs. now
 
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CNNMoney revisits a labor union that it profiled in 2009, during the depths of the recession. Now times are better as construction work is beginning to pick back up in northern New Jersey.
Views: 20631 CNN Business
Bank vs Credit Union - Where to keep your money!
 
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Should I keep my money at the Bank or with a Credit Union? Banks vs Credit Unions... https://CreditCEO.com/ With all the media covering the banking scandals, people are asking, where should I keep my money? In a Bank or a Credit Union. The answer isn't always simple, Credit Unions are AMAZING and I have accounts with a couple of them. But unfortunately, there are some perks to going to a bank too. In this video we will talk about the pro's and cons of keeping your money at a bank - high fees, hidden fees, overdraft fees and more. We'll also cover the pros and cons of working with a Credit Union - low fees, human level service, make sense policies, not for profit. Please watch the video, like and subscribe to our channel or visit our website for more info: https://CreditCEO.com/
Views: 4141 CreditCEO
Why Are Restaurants' Profit Margins So Low?
 
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Restaurants are a big part of many Americans' lives. They are also a massive part of the U.S. economy. Watch this short video to learn five things you didn't know about the restaurant industry. Donate today to PragerU! http://l.prageru.com/2ylo1Yt Joining PragerU is free! Sign up now to get all our videos as soon as they're released. http://prageru.com/signup This video is part of a collaborative business and economics project with Job Creators Network. To learn more about JCN, visit www.jobcreatorsnetwork.com. Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/29SgPaX JOIN our Educators Network! http://l.prageru.com/2c8vsff Script: The restaurant industry in the U.S. is vast and is a part of daily life in America—with 57 percent of us eating at a restaurant at least once a week. In fact, for the first time in recorded history, U.S. consumers are spending more money at restaurants than at grocery stores. With the restaurant industry growing and becoming more prevalent every year, here are 5 things you need to know about the restaurant industry: Number one: In 2016 there were more than 1 million restaurant locations in the U.S. and they generate annual sales of $780 billion. Number two: According to the U.S. Bureau of Labor Statistics, in 2017 the restaurant industry employed 12 million people—enough to fill Chicago’s Soldier Field almost two hundred times over. Number three: 425,000 of the 1 million restaurants located in the U.S. are either independently owned or ran by a franchisee—which means many of these establishments are considered small businesses. You see, while franchised restaurants are associated with a larger corporate body, the franchisee who owns and operates the establishment is not much different than the mom-and-pop diner down the street. Number four: The average profit margin for U.S. restaurants usually hovers between 4 and 6 percent—meaning for every dollar in sales, the business owner only collects 4 to 6 cents. However, profit margins have historically been known to drop to as low as 1.4 percent. Number five: 33 percent of restaurant revenue goes towards paying wages, which means that government mandated increases in the entry-level wage can be really hurt an independent restaurant owner or franchisee. A business owner can only raise prices so much before customers start going away. The restaurant industry plays a vital role in both the lives of ordinary Americans and the U.S. economy.
Views: 491174 PragerU
Private Sector vs.  Public Sector
 
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If you were mailing an extremely important package, you'd probably trust FedEx more than the U.S. Postal Service. But why? Is it because FedEx is a private company, while the post office is run by the government? What are the differences between the "private sector" and the government sector? Why does it matter? Find out in this animated two-minute video. Donate today to PragerU! http://l.prageru.com/2ylo1Yt This video is part of a collaborative business and economics project with Job Creators Network. To learn more about JCN, visit https://www.jobcreatorsnetwork.com. Joining PragerU is free! Sign up now to get all our videos as soon as they're released. http://prageru.com/signup Download Pragerpedia on your iPhone or Android! Thousands of sources and facts at your fingertips. iPhone: http://l.prageru.com/2dlsnbG Android: http://l.prageru.com/2dlsS5e Join Prager United to get new swag every quarter, exclusive early access to our videos, and an annual TownHall phone call with Dennis Prager! http://l.prageru.com/2c9n6ys Join PragerU's text list to have these videos, free merchandise giveaways and breaking announcements sent directly to your phone! https://optin.mobiniti.com/prageru Do you shop on Amazon? Click https://smile.amazon.com and a percentage of every Amazon purchase will be donated to PragerU. Same great products. Same low price. Shopping made meaningful. VISIT PragerU! https://www.prageru.com FOLLOW us! Facebook: https://www.facebook.com/prageru Twitter: https://twitter.com/prageru Instagram: https://instagram.com/prageru/ PragerU is on Snapchat! JOIN PragerFORCE! For Students: http://l.prageru.com/29SgPaX JOIN our Educators Network! http://l.prageru.com/2c8vsff Script: If you had something really important to mail, would you head to the Post Office, which is run by the government and considered part of the public sector, or would you go to a place like UPS or FedEx, which are private businesses. Politicians in the media often talk about the private and public sectors of our economy but what's the difference? And which one is more effective? The private sector is made up of businesses or corporations owned by people. The private sector includes malls, grocery stores, and your local diner. To make a profit in the private sector, businesses must earn our money by offering us products and services that we want or need. When businesses have to compete for the same dollars, prices go down because no one wants to pay twice as much for shoes at one store if you can get the same pair cheaper at another place. On the other hand, the public sector is not supported by profits. It doesn't have to compete for our dollars. Instead, the public sector uses our tax dollars to fund its services. So we pay for these programs no matter how much or how little we use them. The government decides how our tax dollars should be spent in the public sector. This makes sense for some things. For example, you probably wouldn't want firefighters or police officers competing with one another for your business. In other cases though, this means things cost more or service is worse. The U.S. Post Office has $100 billion in debt and is regularly bailed out with taxpayer money. And the Department of Motor Vehicles isn't usually known for fast, friendly service. In contrast, private companies know that if they offer poor customer service and don't make money, they'll go out of business. When comparing the private sector with the public sector, it's clear that the market-driven private sector is more efficient. When you don't have to be profitable or accountable, things tend to be more expensive and the service is worse. So when there's a choice between a private sector or a government service, think about that package you really need delivered.
Views: 468969 PragerU
Banking Explained – Money and Credit
 
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Banks are a riddle wrapped up in an enigma. We all kind of know that they do stuff with money we don’t understand, while the last crisis left a feeling of deep mistrust and confusion. We try to shed a bit of light onto the banking system. Why were banks invented, why did they cause the last crisis and are there alternatives? The music from the video is available here! http://epicmountainmusic.bandcamp.com/track/banking http://soundcloud.com/epicmountain/banking http://www.epic-mountain.com Visit us on our Website, Twitter, Facebook, Patreon or Behance to say hi! http://kurzgesagt.org https://www.facebook.com/Kurzgesagt https://twitter.com/Kurz_Gesagt http://www.patreon.com/Kurzgesagt http://www.behance.net/Kurzgesagt Banking Explained – Money and Credit Help us caption & translate this video! http://www.youtube.com/timedtext_cs_panel?c=UCsXVk37bltHxD1rDPwtNM8Q&tab=2
Making $10,000 Per YouTube Video - How YouTubers Make MONEY
 
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instagram: deeshanell for business inquiries only: [email protected] Making $10k Per YouTube Video - How YouTubers Make MONEY
Views: 12670 Dee Shanell
Western Union How to Send Money Online it’s easy!
 
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https://www.amazon.com/s/ref=nb_sb_noss?url=search-alias%3Dmobile&field-keywords=JFLAI
Views: 93164 Smith Andy
Welding Career Advice
 
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see the full article http://goo.gl/2lqul1 about my welding career and also some career advice for any young person going into a welding career. I got into welding by accident. I started off in college buy college was not for me. On my first day of welding school, I could tell I was going to like it. I could see progress right away and knew that in less than a year, I was going to working as a welder making good pay. I spent 13 years as a pipe welder, and then pivoted into aerospace welding. Along the way, I got my AWS CWI and SCWI, worked as a welder, welding instructor, metallurgical lab tech, and managed the welding training and certification program at Delta Air Lines Technical Operations Center. It was a great job...until it wasn't.
Views: 278540 weldingtipsandtricks
How to send money with western union mobile App [2017]
 
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This video will help you understand how to use not only western union app but also other useful app that you never knew of. it is very useful to consider using application to run your transactions because its safe and convenient. Follow me on other social media https//www.instagram.com/creativemind0_ https//www.facebook.com/destinyobukwu https//www.twitter.com/creativemind0_
Views: 200426 Kunst 95
How is a Credit Union Different from a Bank
 
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http://www.BFGFCU.org What is a credit union and how is it different from a bank? Credit unions are non profit and run by a local board of volunteers. Get lower interest rates on loans, higher interest rates on savings, lower and fewer fees. BFG Federal Credit Union serves Summut County, Ohio including Akron, Cuyahoga Falls, Stow, Hudson, Twinsburg, Tallmadge and surrounding communities.
Views: 25179 SaveMoneyatBFG
how to transfer money via western union in india (in hindi)
 
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Learn the procedure of send or receive money from western union money transfer in indai from any country in the world like usa , saudi arabia , dubai , uk etc , can we use online internet banking or we have to go to post office or bank , what is money transfer control number mtcn , id proof require to receive money can we receive cash or cheque or demand draft over 50k
Views: 181680 My Smart Support
Instagram Money Flip Scam Review
 
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Yes, It's a scam. Money flipping on instagram & facebook has been around for too long right now, it's time to put an end to it. You WONT make money. They'll take your money and leave you high & dry If you're looking actually looking to make REAL money online, go here: http://yougetpaidperemail.gr8.com/ Money flipping scams have been around since 2014 or earlier. They claim they can turn your $200 into $2000 via moneygram or western union. Or they ask for your paypal account or bank account info - then they just steal your money and block you. ----------More Opportunities to Make Money Online---------- Email Processing: http://yougetpaidperemail.gr8.com/ Online Sales Pro: https://goo.gl/eAcAeQ 5k Blueprint: https://goo.gl/jQJzp5 2 Day Profits: https://goo.gl/5UnuaR Contact Me At: [email protected] www.WorkWithAliyah.com
Views: 46494 EarnWithLee
Make Your Money Matter and Join a Credit Union
 
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Discover the difference joining a credit union can make. See the big picture here: http://www.makeyourmoneymatter.org Want to see how much the big banks made off your deposits? See your piece of the pie at: http://www.makeyourmoneymatter.org
Views: 24365 PSCU
What to do to Earn Money
 
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Kids learn the necessity of earning money - and credit unions can help
Views: 1924 TheFamily CU
Where in the world is it easiest to get rich? | Harald Eia | TEDxOslo
 
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In which society is it easiest to get rich? Contrary to common belief, it is not countries like the US or the UK that create the highest number of rich people per capita, but Nordic social democracies like Norway and Sweden. Counter intuitive as it may sound, high taxes, generous welfare states and strong unions makes a better environment for the people who wants to earn huge amounts of money, than free markets, low taxes, and minimal government intervention. Harald Eia is a trained sociologist who works in television with comedy and documentaries. This talk was given at a TEDx event using the TED conference format but independently organized by a local community. Learn more at http://ted.com/tedx
Views: 935392 TEDx Talks
Western Union/ Money Gram Scam EXPOSED!
 
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http://www.makemoneywithamber.com - Western Union/Money Gram Scam. Amber Boyd exposes this new trend of scamming. Scammers are claiming that they can flip your money into thousands but is it real? Watch the video to find out. If you want a legal way to "flip" your money, click the link above to find out how I make 4 figures weekly and get paid every Friday. To contact me, email me at ambersmoneyteam[@]gmail.com
Why Switch to a Credit Union—And How to Do It
 
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Read the full post here: https://goo.gl/Z32VT1 Inspirus Credit Union was originally founded by a teacher for teachers, so it goes without saying that education is at the core of who we are. Whether you’re switching from a bank to a credit union or opening up your very first account, it’s important to study up so you can make the best decision for you. In this video, How and Why to Switch to a Credit Union, we’re breaking down why you should consider managing your finances with a credit union—and how to make the switch. One of the primary benefits of banking with a credit union is ownership: When a credit union makes a profit, part of those earnings go right back to its owners, and at Inspirus Credit Union, the owners are our members. In addition to ownership, credit unions are the definition of “buy local.” If you want your money to stay in your own community, managing your finances with a credit union is a good way to help that succeed. And lastly, credit unions empower you to give back. At Inspirus, we believe in the power of education—we’re a credit union founded on a mission to help one another, after all. Sometimes that looks like educating our members to be better stewards of their money. Other times, it looks like giving back to education every Friday, by fully funding one teacher’s project (or more!) through DonorsChoose.org. If you have questions about how to take advantage of interest to save more money, comment below or email us at [email protected] At Inspirus Credit Union, we believe education is power. Our purpose is to invest in education inside and outside the classroom—and that means providing our members with the information they need to create their financial futures. Insured by NCUA
Views: 14233 Inspirus Credit Union
Uber Threatens to Leave Seattle Over Union Talks...AGAIN!!!
 
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Business Insider article: http://www.businessinsider.com/uber-is-considering-leaving-seattle-if-drivers-join-unions-2017-3 Support me on Patreon: https://www.patreon.com/KevinTRod Follow me on Minds.com: https://www.minds.com/KevinTRod Visit our e-commerce store: http://www.greatmediauniverse.com Make money driving for Uber: 66lgsue (http://ubr.to/1FHCEox) Make money driving for Lyft: https://www.lyft.com/drivers/KEVIN599168 Make money driving for Arcade City: https://arcade.city/drive/10208190858114291 Make money driving for DoorDash: http://drd.sh/YGOYJC/ Make money delivering for Postmates: [email protected] (use this as a referral code) Visit my movie review site: http://www.icritic.net Visit us on Facebook: http://www.facebook.com/MovieWizardcom
Views: 1414 The Apptrepreneur
Share Certificates
 
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https://www.aspirefcu.org Share Certificates, or CDs, work similar to savings account in that you deposit money and collect dividends. But with share certificates, you have a set opening deposit and you keep the money in that account for a specified amount of time. Share certificates usually have higher rates than traditional savings accounts. Because of this structure, there are pros and cons: On one hand, you have a safe and easy way to earn money, and you won’t be able to easily access that money as it’s earning interest. On the other hand, not having access when you need it might be difficult, and you’ll have to pay a penalty if you do draw on the account. If you choose a share certificate that lasts years, you might also lose out if inflation kicks up. Here’s an example: Let’s say you deposit $2000 in an account that has a 60-month term at 1.5% APY. At the end of that term, your balance will be $2155.47. You then have the option to roll this money into a new certificate to allow your money to continue to grow! As far as security goes, you have nothing to worry about. The NCUA for credit unions is like the FDIC and insures up to $250,000. When you’re shopping for certificates, you might run into some different terms. A High-yield certificate means high rates, but might also mean a higher minimum deposit and longer term. Bump-up certificates tend to have lower initial rates, but can rise as the certificate matures. Liquid certificates will allow you to draw on the account, but you can expect lower rates with that flexibility. Callable certificates will oftentimes have high rates, but the financial institution has the right to close out, which means you’ll only get what was earned while it was open. Aspire Federal Credit Union offers many certificates with different terms, so check out our website for more information!
Views: 6009 Aspire FCU
Join a Credit Union and Get Paid
 
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Where should you put your money? Can a credit union offer you more than a big bank? It's possible. The List's Brien McElhatten looked into it and found out how you can make money by joining a credit union. Find out the benefits now, on The List.
Views: 656 The List Show TV
Larry Sharpe, A Candidate With Better Ideas
 
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In New York, Democratic governor Andrew Cuomo wants to raise taxes. But John Stossel interviews an interesting candidate with a different plan -- Libertarian Larry Sharpe. He proposes better ways to raise money. --------- Subscribe to my YouTube channel: http://youtube.com/johnstossel Like me on Facebook: https://www.facebook.com/JohnStossel/ Follow me on Twitter: https://twitter.com/johnstossel --------- One idea is to lease naming rights on public infrastructure. "The Tri-borough Bridge could be called the Staples Bridge, or the Apple Bridge," Sharpe explains to Stossel. "Hundreds of thousands of vehicles pass by, and see that big sign. That’s valuable!" Most people we asked on the street didn't like his idea. "I definitely wouldn't want to rename something after some sort of corporation," one man told us. Sharpe says it's necessary, "You can shake your fist and say 'this doesn’t sound good' if you want to. And you’re going to wind up in a place where the tax burden is insanely high." That, he points out, would lead to more businesses and people leaving New York. Although Sharpe is the libertarian candidate, he's doing well for a third-party candidate. A recent poll has him getting 13% of the vote. And after survey respondents hear his campaign pitch, that number goes up to 25%. Reasons for his success may be that he speaks well, campaigns constantly, and unlike most libertarians, doesn't propose cutting existing government programs. He only wants to stop creating new ones. Sharpe also talks positively about unions. "There are [rail] systems out there ... that are both safe and unionized, so we keep the unions happy and our workers safe," Sharpe told Stossel. "Why do you want to keep the unions happy?" Stossel responded. “Unions can be destructive." "They can be, absolutely," Sharpe said. "[But] unions are part of our First Amendment. It's people getting together saying they won't do X until you do Y. Nothing wrong with that at all." "It raises prices," Stossel pushed back. "Fine, that's okay," Sharpe said. "It is what it is. Collective bargaining is fine. My issue with the unions has always been are you forcing me to be in a union? Are you forcing unionized labor? If you're forcing it, I'm libertarian. I have a problem with that, but you're voluntarily doing it? I don't have a problem at all." He assures Stossel that he'd prevent any new government programs. "You do know what party I am part of, right?" Sharpe asks. "Libertarians believe that you should be as conservative or as liberal as you want to be as long as you don’t want to force yourself on others." Stossel is glad that there's a small-government candidate running for office who actually draws enthusiastic crowds.
Views: 21987 John Stossel
How Much Money Do Nurses Make? (my ACTUAL PAYSTUB)
 
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Here is my actual paystub from my RN job. In this video I am going to be discussing how much money nurses actually make. At the end of the video I am going to go through one of my first nursing paystubs to give you an idea of how much you will be making when you finish school and get a job as a Registered Nurse. Some factors we are going to talk about include: geography, demand, seniority, specialty, unions and public and private sectors. We are going to discuss nursing in California, nursing in Mississippi, nursing in Nunavut and other parts of Canada and the USA. There are lots of premiums you can make as a nurse: weekend, evening, night shift, charge nurse and more. There are also a lot of deductions including: CPP, Income Tax, Pension Plans, Union Dues, fees, and so on.
Views: 25838 RN Kid
Banks VS. Credit Unions
 
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This video is about Difference between banks and credit unions. There are many different types of financial institutions out there, but most individuals do business with either a bank or a credit union. Both are capable of assisting you in your needs, but thats not to say that both conduct their business in the same manner. Lets look at the differences between them and you can make the decision of where you want to do your business. I hope you learn something from this and if you have anything to add to the conversation, please make sure to comment! Take care!
Views: 28274 COMMON CENTS MIKE
Pro Athletes Make Too Much (Or Do They?) - A Dose of Buckley
 
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Ahh the question that is as old as player unions themselves: do professional athletes make too much money? Buckley explains his opinion, and then waits for you to call him a "retard" in the comments section because you disagree. Things Famous Dead People Said And Why They Were Wrong: https://adoseofbuckley.bandcamp.com/album/things-famous-dead-people-said Also Available: Nerd Rants: Series 2: https://adoseofbuckley.bandcamp.com/album/nerd-rants-series-2 Nerd Rants: Series 1: https://adoseofbuckley.bandcamp.com/album/nerd-rants-series-1 You Are Not Special: https://adoseofbuckley.bandcamp.com/album/you-are-not-special
Views: 185572 ADoseofBuckley
Charter Schools: Last Week Tonight with John Oliver (HBO)
 
18:13
Charter schools are privately run, publicly funded, and irregularly regulated. John Oliver explores why they aren’t at all like pizzerias. Connect with Last Week Tonight online... Subscribe to the Last Week Tonight YouTube channel for more almost news as it almost happens: www.youtube.com/user/LastWeekTonight Find Last Week Tonight on Facebook like your mom would: http://Facebook.com/LastWeekTonight Follow us on Twitter for news about jokes and jokes about news: http://Twitter.com/LastWeekTonight Visit our official site for all that other stuff at once: http://www.hbo.com/lastweektonight
Views: 9826040 LastWeekTonight
HOW DO BANKS/CREDIT CARD ISSUERS MAKE MONEY : EXPLAINED Credit Card Profitability Model
 
02:30
For starters, we all understand profit - the difference between the revenue and the amount spent in buying, operating, or producing something Profit = Revenue - Expense Revenue Drivers 1.Interest income from customers 2. Fee income from customers (annual fee, foreign exchange fee, balance transfer fee, late fee, over-line fee) 3. Interchange fee from businesses Expense Drivers: As expected of any business model there are fixed costs and variable costs. Fixed costs for the most part are similar to most other businesses, in fact few costs that might be variable costs in the long run can potentially be fixed in the short term, for instance we might originate a certain vintage of loans with poor credit quality - we might not necessarily have to increase our collection expense, but if the trend continues and volume of poor credit origination continue to grow the cost to collect would go up to. Nevertheless, looking back at Variable costs - one of the biggest drivers of variable cost for Credit card firms is - the interest free period - during with the firm incurs the cost of the debt. The channel through which the customer is acquired also drives the expense structure, online vs in branch acquisition. The credit grade of the customer - drives the systemic auto approval or manual decisioning both resulting in different costs. Other major drivers of cost can be - credit losses and operational losses (usually fraud losses). The fraud could be through any channel, online purchase, point of sale purchase etc. Simplest way to quantify this is through historic data. Finally one of the remaining biggest components is the rewards program. These rewards programs have a cost associated with them. They have thresholds associated with them, hence this can be viewed as "net fee", i.e. cost of reward less fee associated with the transaction.
Views: 684 USEFUL Guy
Make Money Make a Difference - Christmas 2015
 
02:37
Watch what happens when a passionate team, and a lot of Santa hats, set out to Make Money Make a Difference across 13 Alberta communities. Bills get paid for mortgages, rent, vision care, phones, credit cards and more to keep utilities connected, roofs over our member’s heads and to give families in tough economic times peace of mind for the holidays! Happy holidays from all of us at Connect First Credit Union. #MakingADifference
Views: 18147 CFCU BASE
Happy International Credit Union Day - Why Do You Credit Union?
 
03:41
As credit unions make plans for International Credit Union (ICU) Day celebrations, Corporate Central Credit Union asks credit union members and employees a simple question: Why do you credit union? This short video explores the credit union difference and the deep emotional connection that members have with their credit unions. If you feel inspired by this video, please share it with others, share your thoughts about why you credit union in your social media posts using #iCreditUnion, and on October 18, join over 68,000 credit unions in celebrating the collaborative credit union mission of bettering lives and communities across the globe.

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