Mediaboss Marketing

WASHINGTON, Dec. 9, 2021 /PRNewswire/ -- During its 20th anniversary celebration on Dec. 2, America Saves, an initiative of Consumer Federation of America, announced the launch of"Foundation $500", a groundbreaking research initiative examining the effects of the cash infusions on saving, spending, and mental health with low-wage earning adults. The group will conduct this pioneering research in partnership with Even, a leading financial benefits platform focused on financial resiliency. Over 4,000 participants will receive $500 via the Even app with the option to access the funds immediately or save them. The research will be used to inform future projects and programs to better compensate low wage earners to help them build financial resiliency.

"Our vision is that every American has $500 in savings to cushion them from financial shocks," said Kia McCallister-Young, newly appointed Co-Director of America Saves. "And this is the perfect way to start our next 20 years: by jump starting hard working adults' accounts."

This was among three major initiatives announced at last week's virtual 20th anniversary celebration; all intended to bring one of America Saves' core valuesthat low and moderate income earners need more than financial literacy to have financial stabilityto life.The research will be conducted via a randomized control study implemented by Dr. Matthew Notowidigdo from the Chicago Booth School of Business and Dr. Raymond Kluender from Harvard Business School to glean granular data on a number of indices to create a robust picture of low-wage savers.

"This initiative will not only give us a greater understanding of savers' behavior but also inform the future work of America Saves as we continue to look for ways to assist that low-wage earner," said Amelia O'Rourke-Owens, newly appointed Co-Director of America Saves. "We're delighted to work in partnership with Even to offer a small financial cushion to these hard working adults and are excited to see what findings result from Drs. Notowidigdo and Kluender as they track the savings goals and successes of recipients."

Even's financial benefits platform is designed to provide financial resiliency and control to employees. Through a holistic approach, Even pairs earned wage access with powerful tools for budgeting, emergency savings, and visibility into projected net earnings to better support the financial health of its users. To date, Even has helped employees access more than $3 billion in on-demand pay and helped members set aside over $250 million for emergency savings.

"Even's research partnership with America Saves is in direct alignment with our overall mission to help U.S. workers get out of the red," said David Baga, CEO of Even. "The factors contributing to financial distress today, especially among hourly workers, are mounting. Alongside America Saves, we're excited to better understand how financial instability impacts long-term savings behaviors, what's needed to course-correct, and additional insights regarding payment distribution frequency."

The initiative kicks off in 2022 and will run through the end of 2023 with the first round of funds dispersing in spring 2022. To learn more about America Saves visit http://www.americasaves.org/. To learn more about Even, visit http://www.even.com

About America SavesAmerica Saves is a campaign managed by the nonprofit Consumer Federation of America that uses the principles of behavioral economics and social marketing to motivate, encourage, and support low-to-moderate income households to save money, reduce debt, and build wealth. America Saves encourages individuals and families to take the America Saves pledge and organizations to promote savings year-round and during America Saves Week. Since its inception, over 12,000 organizations have participated in America Saves Week to promote savings to their communities. Learn more at americasaves.org.

About EvenEven is a leading financial benefits platform designed to provide financial resiliency and control to employees. Through a holistic approach, Even pairs earned wage access with powerful tools for budgeting, emergency savings, and visibility into projected net earnings to better support the financial health of its users. To date, Even has helped employees access more than $3 billion in on-demand pay and helped members set aside over $250 million for emergencies, medical costs, and other unexpected expenses. Leading employers like Walmart, PayPal, Noodles, Humana, and Mattress Firm partner with Even to invest in the financial health of their workforce.

MEDIA CONTACT:Kia YoungDirector of Communications, America Saves[emailprotected]

Shayla Ridore N6A for Even[emailprotected]

SOURCE Even

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America Saves And Even Partner On Groundbreaking Savings Research Initiative - PRNewswire

It's been a serious year of ups and downs, but we've always been able to rely on good ole Irish Twitter for a bitta light relief.

Or to traumatise us further. It depends week to week tbh.

Whether it was making us laugh or reducing us to tears, Twitter was always there for us. Even when every other social media app sh*t the bed back in October, she stood strong, providing a safe space for Insta huns to weather the storm. Its where we come together to discuss topical moments, feel connected and find out what's happening in the world.

If you're curious about what had us all talking over the past year, Twitter have revealed their Year on Twitter 2021 results, outlining The Golden Tweets: most popular liked, retweeted & quote tweeted of the year. There are some highs, some lows and of course, a healthy dose of cringe. Let's get into it.

I guess we really took that Mayo connection and ran with it, because Joe Biden's first tweet as POTUS was the most liked one by Irish people this year. I thought he was fairly overshadowed by JLO's impromptu performance of Let's Get Loud at the inauguration, but there you go.

This whole trend honestly feels like part of a lucid dream at this stage but the stats confirm that the Garda taking part in the Jerusalem Challenge really did happen, and their tweet about it was the most liked from an Irish account in 2021.

Meanwhile, August was a busy month for sport. Cristiano Ronaldo's return to Man Utd was the most retweeted sporting moment of 2021.

Closer to home, Antrim gold medallist Rhys Mcclenaghan's tweet about his Olympic success was the most liked from an Irish account.

In another moment of connectedness, there was a huge Irish reaction to Jimmy Carr's tweet about the passing of fellow comedian Sean Lock back in August.

On a happier note, Irish and global Twitter lapped up this tongue in cheek offering from Twitter itself the night Facebook, Whatsapp and Instagram all went down in October.

In a moment you may have tried to forget, Weetabix went viral when they suggested enjoying their cereal with Heinz Beans on top. A stroke of social marketing genius, honestly. Weetabix has never been discussed more.

Taking us back to January, an Irish Dad attempted to record a Happy Birthday video for his son in Australia, and wasn't able to get past the word "hello":

We also loved this humbling reminder that if you ever dare to wear anything other than a sensible jumper and jeans in Ireland, you'll never be let forget it:

We focussed on the more uplifting moments for this piece, but more details on the ins, the outs, the consistent trending of #covid19inireland can all be found on the official Twitter blog. For now, let's focus on the hilarious and bizarre moments of light relief that saw us through the year. It's what the people need.

Merry Christmas, y'all.

Header image via Shutterstock

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Here's how 2021 looked on Irish Twitter - Lovin.ie

The fashion industry is worth $27.2 billion in Australia, but what do you do when the fashion industry wasn't built for you?

When the clothes don't fit your unusual body shape?

I was born with nemaline rod muscular myopathy (NM).

It's a rare, non-progressive condition and there are around 35 cases in Australia. As a result, my muscles are weaker compared to most people, with my limb, trunk and facial muscles affected the most.

I use an electric wheelchair to get around and a ventilator to help me breathe.

As I had to "prop and rock" to breathe when I wasn't on my ventilator growing up, I have very narrow shoulders and I also have scoliosis, which means while I'm a size 6 everywhere else, I'm a size 12 in my waist. Hence, the unusual body shape.

Growing up, I'd always loved fashion, but in my later teens, I really discovered my style classic modern, as I like to call it. Think lace fabric done in an edgy design, that's me, something that never goes out of fashion.

Combine this with the fact that I enjoy posting on social media and in particular, Instagram, and you have yourself a winning combo when it came to reaching a new audience, as who doesn't look to Instagram for fashion inspiration.

The lack of fashion available for people who use wheelchairs really became apparent when I started attending the races. When I was 18 years old, I became a part-owner of a racehorse and now I have shares in several horses. And part of the fun of going to the races is dressing up.

Physical disabilities are a rare thing in fashion, but for Fashions on the Field, it's basically unheard of. Entering the competition was the tipping point when I realised that non-disabled people don't expect people with disabilities to be fashionable and perhaps I could help change that.

As I started going to the races, I started posting more on social media, including the outfits I was wearing. I was doing it just for fun but then people became more interested. The dressing up, however, got even more extravagant when I started competing in Fashions on the Field. I entered my first competition in October 2018 and became a serious competitor in February 2020.

Finding outfits that were appropriate for the races and Fashions on the Field plus for someone sitting down all of the time, that fitted my body shape while also keeping with my style became increasingly hard. Eventually, my mum went from just altering my clothes to sewing complete outfits.

A highlight of ours would have to be when I first won Fashions on the Field at Ascot opening day last year in a white and black dress she made. This year I made the top 10 in Myer Fashion on your Front Lawn for WA in two outfits that mum created.

As far as I'm aware, I was the only person with a physical disability to compete in Myer Fashion on your Front Lawn nationally this year. I was also named in Vogue Australia as one of the best racing styles from Myer Fashions on your Front Lawn 2021, so that was pretty exciting.

Next stop, the Vogue cover!

While all of this was going on, I was growing my social media knowledge. I had commenced a Bachelor of Commerce, majoring in marketing and advertising, at Curtin University, from which I've recently graduated. It was here that I discovered my passion for digital marketing. Posting on my Instagram account allowed me to explore digital marketing.

It was also a creative outlet, which was why I was drawn to marketing in the first place; I thrive on that balance between strategy and creativity. When it came to fashion and Instagram, I loved nothing more than designing an outfit with mum, styling it, photographing it, creating a strategy and posting it.

University didn't just help me with my digital marketing skills though, it helped me with my job prospects too. Thanks to COVID, Curtin University allowed remote internships. As a result of that internship and knowing that I wanted to work in the digital marketing space, I started my own business, Little Black Dress Digital.

LBD Digital is a small digital marketing agency. My business has just turned a year old and I already have five full-time clients as well as some additional work for others.

LBD Digital specialises in owned digital media, but for those not familiar with marketing jargon, it's basically the opposite of paid advertising. Most of my clients require social media content creation and management as well as email content creation. I also build website and offer website maintenance.

Working for myself has been amazing, as a nine-to-fivejob would be too hard for me physically due to my disability. While there are still the challenges of people seeing past my disability, I like to let my work do the talking. As a result, my business is finally growing and there are exciting times ahead for me.

After my big win at Fashions of the Field last year, I had a lady come up to me who asked to take a photo with me because she follows me on Instagram. I'd never been asked this before and I had to smile on the inside.

It was nice to see that my social media presence was getting recognised. It also reminded me that I was in fact achieving my mission of not just breaking down disability fashion stereotypes, but disability stereotypes full stop.

Advocating through Instagram and posting pictures of my life became a priority to me in April this year. I posted a reel because I thought it was funny and due to its content plus a few marketing strategies thrown in, it went viral, reaching over 410,000 views, which was a lot considering my small following.

It attracted new followers and I used the opportunity to educate even more people about disability and fashion. It's very much a snowball effect once you start to gain traction on social media platforms.

Find out how you can get involved this year on the IDPwD website.

When it comes to growing my Instagram though, people say oh you're an influencer now. While I see myself more as a content creator, I guess I am an influencer, just not your traditional type.

I influence the way others think about people with disabilities. I'm showing them that we can be fashionable and that we shouldn't be a second thought. Therefore, Instagram means more to me than just posting pictures, it means I'm breaking down disability stereotypes.

ABC is partnering withInternational Day of People with Disabilityto celebrate the contributions and achievements of the 4.4 million Australians with disability.

Read more:
Fashion industry's lack of choice did not stop Amy Evans from raising the fashion stakes for people with disabilities - ABC News

CBSE Answer Key 2021-22 for CBSE Class 12 Business Studies Board Exam 2021-22 (Term 1) is available here. Check now along with the question paper (PDF) of CBSE Class 12 Business Studies board exam 2021-22.

CBSE Answer Key 2021-22: 12th Business Studies Board Exam (Term 1)

Check CBSE Answer Key 2021-22 for CBSE Class 12 Business Studies board exam 2021-22 (Term 1). CBSE conducted 12th Business studies board exam 2021-22 on 8th December. A team from Jagran Josh has collected the question paper & reviews from students one can download the question paper PDF from the link given below. Link to access the analysis of CBSE Class 12 Business Studies board exam 2021-22 (Term 1) is also available here.

1. At times, a business may concentrate on producing goods with fewer resources but cannot achieve the targeted production. In such a case, the business is said to be :(a) Effective but not efficient(b) Efficient but not effective(c) Both effective and efficient(d) Neither effective nor efficient

Answer (b)2. The process that initiates implementation of plans by clarifying jobs, working relationships and effectively deploying resources for attainment of identified and desired results is called:(a) Coordination(b) Management(c) Organising(d) Delegation

Answer: (c)3. Which Marketing management philosophy lays emphasis on continuous improvement in the quality of the product?(a) Production concept(b) Product concept(c) Marketing concept(d) Social marketing concept

Answer: (b)4. The objective of which of the following techniques of management is to determine the number of workers to be employed in an organization?(a) Method study(b) Motion study(c) Time study(d) Differential piece wage system

Answer: (c)5. Which of the following is an element of political environment?(a) Existing structure of the economy in terms of relative role of private and public sectors.(b) Rise in the disposable income of people due to increase in the gross domestic product of a country.(c) Legislations passed by the Government authorities.(d) Attitude of the elected Government representatives towards business.

Answer: (d)6. The function of marketing that involves physical movement of goods from one place to another is called :(a) Promotion(b) Transportation(c) Storage and Warehousing(d) Customer support services

Answer: (b)7. Identify the principle of management given by Fayol according to which "The intent of this principle is to produce more and better work with the same effort.(a) Division of work(b) Unity of direction(c) Scalar chain(d) Equity

Answer: (a)8. Which product-related decision is concerned with providing detailed information about the product on its package ?(a) Branding(b) Packaging(c) Labeling(d) Both Branding and Packaging

Answer: (c)

Answer 9: (c)

Answer 10: (b)

Answer 11: (a)

Answer 12: (c)

Answer 13: (a)

Answer 14: (c)

Answer 15: (b)

Answer 16: (d)

Answer 17: (d)

Answer 18: (b)

Answer 19: (a)

Answer 20: (b)

Answer 21: (c)

Answer 22: (c)

Answer 23: (d)

Answer 24: (c)

Answer 25: (c)

Answer 26: (a)

Answer 27: (b)

Answer 28: (b)

Answer 29: (c)

Answer 30: (c)

Answer 31: (b)

Answer 32: (a)

Answer 33: (c)

Answer 34: (c)

Answer 35: (b)

Answer 36: (b)

Answer 37: (a)

Answer 38: (a)

Answer 39: (b)

Answer 40: (b)

Answer 41: (a)

Answer 42: (b)

Answer 43: (a)

Answer 44: (d)

Answer 45: (c)

Answer 46: (a)

Answer 47: (b)

Answer 48: (c)

Answer 49: (c)

Answer 50: (b)

Answer 51: (c)

Answer 52: (c)

Answer 53: (c)

Answer 54: (d)

Answer 55: (b)

Answer 56: (b)

Answer 57: (d)

Answer 58: (c)

Answer 59: (c)

Answer 60: (b)

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CBSE 12th Business Studies Answer Key 2021-22: CBSE Board Exam 2021-22! - Jagran Josh

Jews around the country have recently been celebrating the annual festival of Hanukkah, eating way too many doughnuts, lighting Menorah candles and celebrating one of many stories in their history of managing to not be wiped out.

Like most Jewish festivals, the Hannukah story is something along the lines of, "they tried to kill us, we survived, so let's eat."

Along with all of the expected festivities, we've also seen the expected rise in hatred and anti-Semitic violence, spiking around the world in timely fashion. In Ukraine, a Jewish religious site was desecrated, in New York, Jewish children were physically attacked on the streets of Brooklyn, and right in the centre of London, a group of Jews were surrounded and spat at, chased onto a bus, from where they had to watch their attackers bang on the windows, and raise Nazi salutes to them.

This was a group, with children, on their way to celebrate in central London, a place where they should have felt entirely safe.

You probably won't have heard about all of this. It wasn't a trending hashtag, and it certainly wasn't responded to with an anti-hate or anti-racism campaign by any of the brands or influencers that usually take a stand when it comes to social issues. In the realm of inclusive marketing and social justice marketing, to use David Baddiel's words, Jews don't count.

Why is this the case? I guess there could be two potentially defensible reasons for such a strange lack of support in our apparently purpose-led world. Firstly, perhaps there are not enough Jews to make taking a stand for them a commercial priority. Or secondly, perhaps anti-Semitism is not seen as a major enough issue to put it on the radar of social justice advocates.

Let's take the first one. Is it because there are so few of us that it doesn't make commercial sense? It is true that Jews make up less than 1% of the UK population, however, brands that seek to include and take a stand for marginalised voices don't do this based on a particular group's market size, they do it based on their brand values and social purpose. And when it comes to marginalised voices, they are inherently likely to be a minority group i.e a small market.

What about the second argument - that anti-Semitism is not a major issue and so it doesn't deserve a high level of attention, or effort, to combat it from all the usual players. Setting aside the attacks this week, the quantitative data makes it very clear this is not the case. This last year has seen the largest rise in anti-Jewish hate crimes across the UK. In the first half of 2021, the Community Security Trust reported a 49% increase in anti-Jewish hate incidents in Britain. That's a staggering increase for a group of people that have remained a flat minority of less than 1% of the make-up of this country.

Furthermore, this tidal wave of anti-Semitism isn't a collection of isolated incidents by crazy people. It is also institutional. What could be more institutional than the Equality and Human Rights Commission being called to investigate one of the two leading political parties, the one that is meant to stand for social justice, and concluding that it had committed unlawful acts of anti-Semitism, to the extent that it was legally bound to tackle the unlawful findings of the independent inquiry?

I can easily tell you from my own experience living as a Jew in this country that anti-Semitism is a major issue. But the data above also makes it categorically clear. Something that makes it even more painful, is the lack of interest it is met with by the big voices in social justice, from influencers to social-justice-centred brands that are usually quick to challenge hate with loud and creative voices.

Why is it so invisible? Why is this probably the first Hannukah/anti-Semitism article you have read in our industry press? My personal experience of anti-Semitism leads me to believe that there is still a pervasive unconscious bias when it comes to the age-old racist stereotype of "powerful Jews". Despite all the contemporary evidence above, and despite the systematic murder of Jews every 50 or so years in history around the world, people still see Jews as some "powerful other" that therefore don't face the challenges required to be included in the social justice movement.

The irony is that the creative industries have always attracted Jewish talent, and this is still the case. Although Jewish people in advertising are a tiny minority when it comes to hard numbers, we still make up a significant 2%, according to the All In Census. The challenge is not that our voices do not exist; it's in raising them.

This issue is deeply ingrained in our cultural experience of being Jewish in Britain. Go back just a couple of generations and we were immigrants escaping from places that forced us out for who we were. When we arrived in this country, many of us changed our names to sound more British, and we tried to keep our heads down at work, and keep our visible Jewishness at home, as much as possible.

Calling out a lack of Jewish representation, calling out anti-Semitism, and talking openly about our experience doesn't come naturally. But it becomes an especially tall order against a backdrop of silence.

So, following this year's Hanukkah, where we told the story of age-old Jewish resilience alongside news of rising Jewish hate crimes, I've decided that I'm no longer going to be a silent Jew. Because the longer we are silent about anti-Semitism, the more we let it go unchallenged.

Matthew Waksman is a planning partner at Ogilvy UK

This article first appeared in Campaign.

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When it comes to social justice and inclusive marketing, Jews don't count - PR Week