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Launch Federal Credit Union increases minimum pay

MERRITT ISLAND, FL (December 11, 2017) — Launch Federal Credit Union is increasing its minimum wage for the second consecutive year. The minimum pay for entry-level employees will be $12.50 per hour, effective January 1, 2018. This compares favorably to a state minimum wage of $8.25 per hour, and a national minimum wage of $7.25 per hour.

“Last year we implemented a minimum wage of $12 per hour, with the commitment to raise it each year. This year, because of the strong growth we have experienced, we again are raising the minimum wage,” says Launch FCU President Joe Mirachi. “We also realize that to attract the best talent to join our team, we need to prove their value with a higher pay than what they can earn elsewhere. We believe increasing the minimum pay at the teller level will encourage locals seeking employment to consider joining our team. This new talent will provide a strong pipeline of well-trained individuals who will be excited to advance their careers within Launch FCU.”

Most of Launch FCU’s executive management began their financial careers as tellers, including CFO Kevin LeBeau, COO Lorrie Candiotti and CLO Margie Mitchell. Many Vice Presidents also began as tellers. “We provide quality training, education and mentoring to every individual so that they can be promoted to the next level,” says Mirachi. “New talent is becoming more and more difficult to recruit. By offering a higher starting pay, it not only increases our ability to be fully staffed for our members, but it also serves as a benefit to the local economy. Being a local credit union with branches exclusively in Brevard and Volusia counties, means our employees live and raise their families in the communities where they work, and they spend their paychecks locally. This benefits both small and large local businesses and boosts the standard of living in our area.”

Along with a competitive wage structure, the credit union also offers a generous benefits package, Monday through Friday hours for its employees, tuition reimbursement, a 401(k) plan, training opportunities, and a friendly, inviting work environment.

To view employment opportunities, visit the Launch FCU website at launchfcu.com. Visit the “Go Beyond” drop down and click on “Employment.” Apply online for any Launch FCU open position.

Joe Mirachi

About Launch Federal Credit Union

Launch Federal Credit Union is a full service community credit union with twelve branch locations throughout Brevard and Volusia counties. Membership is open to all who live, work or worship in Brevard or Volusia counties. For more information on Launch Federal Credit Union, please visit www.Launchfcu.com or call (321) 455-9400.

Contacts

Kelly HaskinsVP MarketingLaunch FCU300 S. Plumosa St.Merritt Island, FL 32952(321) 455-9400 x1204

My Chemical Romance parody wants to make you care about net neutrality—watch

Before your open internet access is limited by seemingly backwards government deals, and your internet service provider makes you pay extra to go on, like, Facebook or something, one YouTuber is harnessing the power of My Chemical Romance to make you care about net neutrality.

Watch more: Why you should care about net neutrality

Protests have already sprung up ahead of the Federal Communications Commission's upcoming vote to kill net neutrality laws, as reported by Ars Technica. Planned for Dec. 15 and spearheaded by FCC chairman Ajit Pai, the "vote to kill Obama-era rules demanding fair treatment of web traffic" (per Bloomberg) is the current administration's way of putting more money into the hands of ISPs and taking more power away from you (per me).

Seriously. The FCC wants your ISP to have more control over what websites you visit, including the ability to block certain cites or make you pay more to visit others. Are you ready to do something about it? Keith Rubino and the band New Radio Etiquette are here to you inform you on net neutrality with their parody version of My Chemical Romance's "Teenagers"—watch it below.

If you're against the FCC's upcoming repeal of net neutrality, call Congress to voice your complaint. And for a lighthearted-but-still-serious take on the matter, watch the MCR "Teenagers" net neutrality parody here:

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Lewes, DE -- (SBWIRE) -- 03/15/2013 -- LikeForMe is a pay per click hosting website which uses the popularity of social networking websites in order to generate income for their registered users. Unlike pay per click websites which require the user to wait before having their click registered, LikeForMe utilizes the different interaction methods within different social networking websites to generate their clicks.

LikeForMe gives its users the opportunity to get paid to like pages on Facebook. Known as an exchanging network, LikeForMe’s aim is to generate views, likes, and shares by employing their users to visit their client’s pages. As compensation for their efforts, users are given points which can be used to get more fans for their page. The points can also be converted into money for cashout purposes. Users who have registered on their website get 50 points as signup bonus, 50 points as daily bonus, and 50 points per referral. The question “Do likes earn money?” is also answered by this website. Users are paid $0.0009 per interaction they make on social networking sites. This includes likes on Facebook, follows on Twitter, Traffic Hits, and on Google Plus. There is also a $0.01 signup bonus as well as a 10% point bonus from all of your referral’s earnings. LikeForMe is currently accepting services for Facebook, Google Plus, Twitter, YouTube, and website hits. Users can acquire their money through their PayPal account. LikeForMe also offers a Facebook likes service which allows a user to purchase 1,000 Facebook likes for only $1.

LikeForMe is a social network exchanger which primarily aims to promote the websites and pages of their clients. They began their services back in 2012. Registration on their website is completely free of charge and will give users several bonuses along the way. Their website can be visited by clicking this link.

About LikeForMeThis is an exchanging network where people do Facebook Likes/Shares or view YouTube videos, or do Hits on Google-Plus or Visit websites. In return they get points. These points can be used to get more fans or convert points to money for cashout.

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Need to boost your monthly income? Why NS&I's new bonds might be the best savings option

By Sylvia Morris For The Daily Mail

Published: 18:14 EST, 12 December 2017 | Updated: 04:47 EST, 13 December 2017

View comments

Monthly income-seekers have been given a glimmer of hope by the launch of several top deals.

Last week, National Savings & Investments reintroduced its popular Guaranteed Income Bonds, paying competitive - albeit still low - rates.

Its one-year rate at 1.45 per cent is attractive compared with big banks and building societies - although you can do better with newer banks. The NS&I bonds are also only on sale online.

Monthly income: NS&I has reintroduced Guaranteed Income Bonds

The top one-year fixed-rate on offer for those willing to go online and who want monthly interest is 1.8 per cent from Charter Savings Bank - or £15 a month on each £10,000.

But in the High Street's traditional banks and building societies, the best that you can do is 1.34 per cent (around £11 a month) from Virgin Money, or a much lower 1.19 per cent (just under £10 a month) from Skipton BS.

If you tie up your money for three years, the NS&I 2.15 per cent fixed-rate is the top deal.

On £10,000, it is £12 a month on the one-year deal, or £17.90 a month on the three-year deal.

With rates so low, experts advise against tying in for more than a year, because interest rates are likely to rise in this time and you could lose out.

Economists differ on when the next rise in Bank of England base rate from its current 0.5 per cent will materialise.

Some predict that higher growth in the economy could lead to another rise in interest rates in the next few months.

Paul Hollingsworth, senior UK economist at Capital Economics, says: 'We expect base rate will start to rise in May, with three hikes bringing it to 1.25 per cent by the end of next year.'

He predicts it will rise further, to 1.75 per cent, by the end of 2019.

But forecasters at EY Item Club and Pantheon Macroeconomics don't expect it to budge until late next year.

If you think rates are going to rise, you could go for a so-called tracker bond.

Here, your income will rise if the general level of interest rates goes up during the life of your bond.

The Family BS two-year tracker bond is available online, by post or through its one branch in Epsom, Surrey.

At 2.04 per cent, it is the top two-year deal — or £17 a month on each £10,000.

But if base rate rises, so will your return, as it guarantees to move in line. For example, a 0.25-point rise in base rate would raise your rate to 2.29 per cent, which comes to £19 a month.

Any income you get on fixed-rate bonds could be tax-free, so long as you do not bust your personal savings allowance.

This lets basic-rate taxpayers earn their first £1,000 of interest a year from all their savings (excluding cash Isas) without paying tax. Higher-rate taxpayers get a £500 allowance.

Tax-free cash Isas pay less interest. The best you can do for one year is 1.4 pc from Virgin Money, or 1.71 per cent for two years with Charter Savings Bank.

Easy-access cash Isas are even worse: 1.09 per cent from online bank Shawbrook, or a lowly 0.9 per cent High Street rate from Skipton BS.

For its regular easy-access Isa, Virgin Money pays 1.35 per cent on its Double Take E-Saver — but restricts you to two withdrawals of your capital a year.

In the High Street, the best you can do is Coventry BS's taxable 1.1 per cent.

sy.morris@dailymail.co.uk

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Online Calculator Estimates Income Tax Proposal’s Effect on Graduate Students

Prompted by concerns over the House version of the Republican tax plan, the Graduate Student Senate (GSS) has developed an online calculator that allows graduate students to assess how they might be affected by the legislation.

Under the House plan, graduate students will no longer be able to deduct the value of their tuition in exchange for working or conducting research, a change that could cost them hundreds or thousands of dollars.

Over Thanksgiving break, a GSS committee developed the calculator to help students estimate how much their taxes may increase based on the currently available information on the Republican plan. Students can enter their income, tuition, filing status and number of dependents into the calculator and receive an estimate of their potential tax liability. The calculator was reviewed by a tax expert, according to GSS.

“We believe that this is a useful tool that graduate students can use to get a rough estimate on how the tax increases and tuition provisions would impact them,” says a statement by the GSS executive committee.

Access the tax calculator here.

NPS: How To Open NPS Account Online To Get Extra Income Tax Deduction of Rs 50,000

An NPS account opened online requires a minimum amount of Rs 500

NPS or National Pension Scheme is a voluntary savings scheme for retirement and is regulated by the Pension Fund Regulatory and Development Authority or PFRDA. To popularise NPS, the government in Budget 2015-16 had introduced an additional income tax deduction of Rs. 50,000 for contribution to the New Pension Scheme (NPS) under Section 80CCD. This extra deduction of Rs. 50,000 on NPS increases the total deduction allowed under Section 80C and 80CCD of Income Tax Act to Rs. 2 lakh. To make the NPS account opening process convenient, the National Pension System Trust has introduced a online facility called eNPS. (Read | NPS Statement And Account Balance: How To Check It Online)

The eNPS facility of National Pension System Trust allows opening of individual pension accounts under NPS and making initial and subsequent contribution to Tier I and Tier II accounts. However, to open an NPS individual account online you should have the following things.(Read | How Much Income Tax You Can Save By Putting Your Money In NPS)

-A mobile number, email id and an active bank account with internet banking facility

- Aadhaar number with a mobile number registered with it

-Scan copy of photograph, cancelled cheque and signature

- Minimum amount of Rs 500 in your bank account or credit card

Here is how to open National Pension Scheme (NPS) account online:

1)Go to eNPS website:- https://enps.nsdl.com/eNPS/NationalPensionSystem.html. On the right hand side of the home page click on "registration".

2)The online subscriber registration page will open. Select new registration, choose appropriate category, enter your Aadhaar number, and generate OTP. Enter the OTP you receive on your registered mobile number and click on continue.

3) After you click "continue" an acknowledgement number will be generated along with your name and a time stamp. Then select "OK".

4) You will be prompted to enter your personal details. Verify the details after you enter them, then click on "Save & Proceed".

5) In the next step you will be asked to enter your bank details in which you have online banking facility. Enter your bank details than click on "Save & Proceed" for the next step.

6) In the next step, you will be asked to decide the portfolio allocation among four available funds subject to a maximum exposure of 50 per cent to equity funds. Once you enter the allocation details, nominee details need to be updated.

7) Once you update your nominee details, you have to upload a cancelled cheque of your account, photograph and your specimen signature.

8) In the final stage, you have to make your first contribution towards NPS subject to a minimum investment of Rs 500. You can make the first payment either through your net banking or through credit card (with some additional charges).

9) On successful completion of payment, your permanent retirement account number (PRAN) will be generated along with the payment receipt.

10) Click on "Download Registration Form/E Sign" to complete the process of registration by submitting the OTP sent by UIDAI to the mobile number registered with your Aadhaar.

It will take two working days for the units to be credited against your PRAN number. Further, you will also receive an email on your registered email id regarding IPIN generation for your PRAN, which will be used to access your account online and make further investment in your NPS account.

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