By Dialogo October 23, 2009 A United Nations report recommends applying “smart authority” to curb insecurity in the region, where the levels of routine violence are the highest in the world. Central America – the region with the highest levels of routine violence in the world – should open spaces for citizen security and human development using a “smart authority” that is neither harsh nor weak, according to a report by the United Nations Development Programme (UNDP). The Report on Human Development in Central America 2009-2010 indicated that “smart authority” should be implemented using preventive and coercive actions that “show congruence with the justice system and respect the establishment of the values of civility.” “Opening spaces for citizen security and human development asserts that the keys to success for this new security strategy include, among other measures, real political will, clear leadership, and continuity from one government to the next,” according to the UNDP. The president of El Salvador, Mauricio Funes, who chaired the event marking the release of the report, said that it is first necessary to know what the problems are, admit them, and “never deny them,” in order then to be able to solve them. Central America has become the region with the highest levels of ordinary violence in the world, according to the report. “Approximately 79,000 people have been murdered in the region over the past 6 years,” according to the information presented, principally in Honduras, El Salvador, and Guatemala. “Despite the significant differences among the region’s countries, the average murder rate reached 33 homicides per 100,000 inhabitants in 2008, three times greater than the global average.” In Honduras, there were 58 homicides per 100,000 inhabitants in 2008. In El Salvador 52 homicides were reported, and in Guatemala 48 per 100,000 inhabitants. Belize follows with 32 homicides, then Panama with 19, Nicaragua with 13, and Costa Rica with 11. The world average is 9, according to the UNDP. The principal problems that affect these countries and raise the levels of insecurity are drug trafficking, gangs, and organized crime. “Violence is affecting one of the essential forms of freedom,” said Rebeca Grynspan, the director of the UNDP’s Regional Bureau for Latin America and the Caribbean. “No aspect of human security is as basic as keeping the population from being victimized by fear and physical violence,” she added.
Even if you’re doing a good job of saving money, you probably didn’t start as early as you wish you had. If you’re still overspending your budget, there are probably some bad habits you need to break. Here are a few things you should stop doing to save more money.Waiting for a bigger paycheck before you start investingWe’ve all probably thought about the things we would be able to do if we made more money. Some of these things make sense, but others are just plain wrong. Investing in your future is something you never put on hold. Thanks to compound interest, you have a great way to prepare for retirement, and the earlier you start, the better.Not paying attention to spending habitsIf you don’t clearly know where your money is going, you definitely have a spending problem. You should keep track of every dime you spend, so you can find out ways to cut back and save.Dipping into savingsWhether it’s a retirement account or an emergency fund, leave it alone. If you take money from your IRA, you’ll suffer penalties and taxes and it’ll damage the progress you’ve made with your compound interest. If you take from your emergency fund, you’ll be hurting when that emergency arises. Keep this in mind before you upset all that you’ve put away. 141SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Pettit John Pettit is the Managing Editor for CUInsight.com. John manages the content on the site, including current news, editorial, press releases, jobs and events. He keeps the credit union … Web: www.cuinsight.com Details
continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Attract. Develop. Retain.Those three words are a common refrain at credit unions. As consumer expectations of retail service continue to rise, a capable, knowledgeable staff whose members also understand how their role supports the credit union’s larger goals is key to organization success.Talent management has always been important, and competition today is as intense as ever. The national unemployment rate has hovered at or below 4% since March 2018. Some markets have even dipped below 3%. But the scarcity of workers highlights a deeper need — credit unions aren’t looking for just anyone to fill open positions; they’re looking for the right skills and fit.Skills that are desirable in front-line staff, specialist roles, and executive positions are continually evolving. So, how are credit unions tackling the challenge? There’s no single answer. Instead, credit unions are deploying multiple, ongoing initiatives. No credit union claims to have it all figured out, but the range of approaches indicates the industry is doing what it can to keep up with changing demands.