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Susan Collins, Maine Rob Portman, Ohio Thom Tillis, North Carolina Mitt Romney, Utah Lisa Murkowski, Alaska Dan Sullivan, Alaska Cynthia Lummis, Wyoming Todd Young, Indiana Shelley Moore Capito, West Virginia Joni Ernst, Iowa Roy Blunt, Missouri Richard Burr, North Carolina Being Anti-Gay supportive is just stupid unless you are an over religious moron like Elizondo. In fact Pope Francis says laws criminalising LGBT people are a 'sin' and an injustice |
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Try and keep up |
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yeah its not perfect
but its better than another world power deciding if and when the USA goes broke |
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Flail more Elizondo. It is what you do best. Proof ---- Capital One A sponsor of the Auten-Schneider's podcast Queer Money, Capital One offers LGBTQ+ focused benefits for employees such as fertility coverage, reimbursements for associates for adoption and surrogacy expenses, domestic partner benefits, and health coverage for gender reassignment. In 1997, Capital One was one of the first major companies to offer same-sex marriage benefits and is now a vocal supporter of the Equality Act, a proposed bill that "prohibits discrimination based on sex, sexual orientation, and gender identity in areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system." Capital One partners with community organizations focused on LGBTQ+ populations, such as SAGE, Attic Youth Center, GLAAD, LGBT Community Center of New Orleans, and Trans Lifeline. The bank's chatbot has a gender-neutral name (Eno, or One spelled backward), a deliberate choice according to Ken Dodelin, Capital One’s vice president of digital product development, because of recent criticism of the predominance of female names for popular digital assistants. Daylight This LGBTQ+ founded online bank is still in beta stage with a waiting list to sign up for a prepaid Visa card. The mobile-first account has your chosen name, no matter what your ID says. Daylight has no minimum balance and lets you make one free ATM withdrawal each month. In the works is an online support community where members can give each other advice and support. The platform offers LGBTQ+ financial coaches through an affiliate network; their services can be paid for using your card. Equifax When it comes to changing your name and protecting your credit score, going through legal channels may be your best bet. According to Equifax, the best method is for a transgender or non-binary person to complete a legal name change and then directly inform the credit bureaus. “Doing this provides the critical link needed between their chosen name and their deadname, which will help to maintain the integrity of their credit file during the transition and potentially avoid any misunderstanding with creditors or lenders,” the company says. The credit bureau provides step-by-step instructions with information on states’ laws for changing your name legally as a transgender person. Experian Changing your entire name, not just your last name, could affect your credit score, according to Experian. If a consumer is changing their name to match their gender identify, they should contact their lenders to update their name and any additional information, according to a company spokesperson. “The consumer’s new name would then be reported to the credit bureaus and reflected on their credit reports,” the company said. For transgender individuals, a full name change requires additional steps and documentation. The process not only involves your legal name, but may also include updating vital records such as your Social Security card and driver's license with the federal and state government. The credit bureau's site has detailed information, which was motivated by its employee resource group (the Equifax Pride Network). An outside speaker helped the company understand more about credit reporting challenges that people in the trans and non-binary community face. JPMorgan Chase In January 2021, JPMorgan Chase said it would donate $5 million to nonprofits that serve LGBTQ+ Americans, many of whom were adversely affected financially during the pandemic. Among those organizations is Services & Advocacy for LGBT Elders (SAGE), one of the oldest nonprofits dedicated to older LGBTQ+ Americans. Internally, the bank has won awards for its own workplace commitment to diversity and inclusion, with local LGBT Employee Resource Group (or ERG) chapters in 15 countries. Changing your name on a debit or credit card might not be that simple. The bank’s online Account Holder Name Change form is for brokerage accounts, not credit card or savings accounts. If you are a cardholder, you can call the toll-free number on the back of the card. You’ll likely be asked to submit documentation, such as legal proof of a name change. MassMutual In a world where many financial institutions are reluctant to use images and stories of LGBTQ+ couples and individuals, MassMutual embraces the community, showing videos on the LGBTQ+ section of its website and on YouTube of same-sex couples going through adoption to promote its advisory services. The insurer offers financial advisors who are sensitive to the financial needs of the LGBTQ+ community and it supported marriage equality in 2015. The insurer also conducted the MassMutual LGBTQ Financial Security Study in 2017. The study surveyed 500 LGBTQ+ Americans between the ages of 25 and 65 with household incomes between $35,000 and $150,000 (in the survey researchers used LGBTQ, not LGBTQ+). Among their findings: LGBTQ people were more worried about retirement and finances than the general population. These studies are important for the LGBTQ+ community to learn about their financial situation and make informed financial decisions. Prudential The insurance provider is an outspoken supporter of LGBTQ+ rights and has a range of inclusive policies that support LGBTQ+ employees. In 1996, the company added “sexual orientation” to its non-discrimination policy for employees. In 2000, it offered domestic partnership benefits to employees. Gender identity and expression are now explicitly protected under its non-discrimination policy. Perhaps the company's biggest contribution are its data dives into the financial experiences of different populations. As well as Asian-Americans, Black Americans, and caregivers, the insurer scrutinized the financial lives of the LGBTQ community in 2017 and includes the community as a data cut in other surveys (the survey researchers use LGBTQ, not LGBTQ+). “As a community, we cannot make informed decisions [without the data],” said Auten-Schneider, co-owner of Debt-Free Guys and the Queer Money podcast. In its study, Prudential found that LGBTQ respondents lagged behind their non-LGBTQ counterparts in bank products.20 “We are part of the under or unbanked,” Auten-Schneider said. “No one can figure out how to help the community if the community is struggling.” Superbia Superbia planned to begin offering products in July 2021 but delays due to the pandemic caused regulatory approval to stall. They are currently working to begin operations soon and eventually aim to provide banking, life and health insurance, and money management services designed for and by the LGBTQ+ community. Checking and savings accounts will feature low rates, no fees, and no discrimination. Card products include the Mastercard True Name feature, which allows users to pick the name they’d like on their banking cards. Wells Fargo The bank’s website has an LGBTQ+ section where customers can sign up for a Pride-themed card. The company also states it provides professionals who are trained to specifically understand the complex financial needs of LGBTQ+ couples and individuals. Wells Fargo offers access to financial advisors with LGBTQ+ expertise and sensitivity. Long before same-sex marriage was legalized, the bank partnered with the College of Financial Planning to create the designation of Accredited Domestic Partner Adviser (ADPA) and offered its financial advisors the chance to take the training. Investment advisors gain an understanding of issues that affect LGBTQ+ couples and domestic partners so they can be advocates for the community. In the event the partnership ends in death or divorce, an advisor with this designation can ensure that the interests of both partners are protected. |
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Sorry your woke bank went belly up. Get Woke. Go Broke. |
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Flail more. Nah it was an article by Jill Cornfield, she is an experienced writer and editor with a special interest in retirement strategies, daily finance, and saving for specific goals. She believes people may have innate personal finance and spending habits, but that change is definitely possible. In fact the article was reviewed by Katie Miller is a consumer financial services expert. She worked for almost two decades as an executive, leading multi-billion dollar mortgage, credit card, and savings portfolios with operations worldwide and a unique focus on the consumer. Her mortgage expertise was honed post-2008 crisis as she implemented the significant changes resulting from Dodd-Frank required regulations. AWE HELL, I will even be nice to you and include the: Article Sources Titles Superbia. "Frequently Asked Questions." Proceedings of the National Academy of Sciences (PNAS). “Lending Practices to Same-Sex Borrowers.” Daylight. "Billie Simmons." National Center for Transgender Equality. “Report of the U.S. Transgender Survey, Executive Summary,” Page 7. MassMutual. “LGBTQ Americans Report More Financial Struggles and Anxiety Over Money Than Other Americans.” Capital One. "Inclusive Benefits Help LGBTQ+ Associates Thrive." Capital One. "The Debt Free Guys: Financial Obstacles Facing LGBTQ+ People." U.S. Congress. "H.R.5. - Equality Act." Capital One. “Capital One Announces Strong Support For the Equality Act.” Daylight. "Daylight Help Center." Equifax. "Supporting Transgender and Non-binary People with Name Changes and Credit Reports." Equifax. “How Transgender People Can Change Their Name On Their Equifax Credit Report.” Experian. “Name Change Should Not Cause Loss of Credit History.” Experian. “Changing Your Name, Not Your Credit Score: Helping Transgender and Non-binary People with Name Changes and Credit Reports.” SAGE. "JPMorgan Chase Announces Latest $5 Million Commitment to Advance Equity for LGBT+ Community." JPMorgan Chase. “Should Companies Lead the LGBT Equality Revolution?” MassMutual. "Serving the LGBTQ Community." Prudential. "Newsroom: Prudential Signs Court Brief Supporting LGBTQ Non-Discrimination." Prudential. “Exploring Financial Wellness Within Diverse Populations.” Prudential. "2018 Financial Wellness Center: The Cut, Exploring Financial Wellness Within Diverse Populations," Page 11. Superbia. "Frequently Asked Questions: When will Superbia Credit Union be Operational?" Wells Fargo. "LGBTQ Resource Center." Wells Fargo. “LGBTQ Financial Advisor, Community and Client Support.” |
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this guy spends his days researching and compiling data, writes essays and papers that no one asked for, nor will ever read, then posts them on a 20 year old elf sim forum. |
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