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Share to Twitter Share to Linkedin The Biden administration is straining to enact multiple, overlapping student loan debt relief initiatives. This includes one-time student loan forgiveness initiatives and adjustments, as well as more lasting regulatory reforms that will transform a broad swath of the federal student loan system. But implementation of some initiatives is getting delayed due to budgetary constraints. And borrowers on track for at least some student debt relief programs may encounter significant confusion and serious problems if the Education Department does not clarify program rules and the interrelationship between one-time waivers and new, more permanent regulations that will go into effect later this year. This is particularly true for borrowers seeking student loan forgiveness through Public Service Loan Forgiveness (PSLF) and Income-Driven Repayment (IDR). Here’s what’s going on. Biden Administration Relaxes Student Loan … [Read more...] about Potential Student Loan Forgiveness Loophole Could Cause Problems And Confusion For Consolidating Borrowers

Share to Twitter Share to Linkedin As I listened to Oracle's recent industry analyst briefing on the future of Oracle Cloud Customer Experience (CX), Oracle's front-office software, I couldn't help wondering whether we have finally resolved the ongoing debate about seeking out best-of-breed applications for every function versus going with an integrated suite. I get this question across all my company’s advisory practices in software, services and yes, even hardware. It’s just a fact that the best-of-breed approach can become an integration effort, with a separate upgrade cadence for each software package—potentially followed by integration troubleshooting each time around. There really are no “magic APIs” for large enterprise apps. Enterprises need to weigh a potential order of magnitude value-add in a point product versus these challenges outlined above. I’m not saying it’s never worth it, but it better be. Oracle has a suite and issues software … [Read more...] about Is Oracle Making ‘Best Of Breed’ Enterprise Apps A Thing Of The Past With Fusion?

Share to Twitter Share to Linkedin Sandeep Kumar, Sr.VP & Head Global Consulting, ITC Infotech . The hospitality industry is witnessing a revolution as several hotel chains and brands embrace modern cloud systems to reduce hardware footprints, enhance customer experience and maintain data safety. A recent survey by Oracle Hospitality states that almost 60% of hoteliers aim for a complete contactless experience for all basic hotel transactions, such as check-in and checkout, food and beverage, room keys and more. With the rise in demand for technology to unlock better guest hospitality experiences, hospitality-focused technology innovation is also gaining momentum. Some popular hospitality software solutions many hotel chains opt for include cloud adoption technology and property management software (PMS) solutions, cloud-based data and analytics, and open integration frameworks. These are primarily developed to provide greater efficiency and … [Read more...] about Open Hospitality: Transitioning The Hotel Industry To A Cloud Ecosystem With Open Integration

Share to Twitter Share to Linkedin Securing a speaking gig at a large business conference can be a great opportunity for an up-and-coming leader. Delivering a speech or a presentation to others in your industry allows you to share your expertise and knowledge with a potentially wider, yet at the same time, more niche, highly relevant audience. However, the competition can be fierce, and the process of getting selected can be daunting. Here, members of Forbes Coaches Council share some strategies to help you increase your chances of being chosen to speak at a major conference. By following their advice below, you can position yourself as a leading authority in your industry, stand out from other potential guest speakers and get noticed by event organizers. 1. Search On LinkedIn To keep my calendar filled with speaking engagements, I perform a weekly search on LinkedIn using the hashtag #callforspeakers. First, I filter the results by “posts” and then by … [Read more...] about 15 Tricks Of The Trade For Booking Speaking Gigs

Share to Twitter Share to Linkedin There are pros and cons to living anywhere. Before you quit your job (retire), list your house, and move your life across the country, take a deep breath and ask yourself the questions we cover in this post. As a Los Angeles Financial Planner, I often speak with people looking to save on taxes and living expenses. These are just two pieces of the puzzle of having a happy retirement. Your retirement income needs can vary widely by where you live during your golden years. That being said, a lower cost of living or better weather may not give you the happy retirement you dream of . With your happiness in mind, consider the following nine questions before finalizing a major retirement move. 1. What Do You Want To Do In Retirement? Many retirement brochures show happy couples walking on beaches, traveling, or spending quality time with grandchildren. Do you see yourself filling your days/weeks/months/years … [Read more...] about 9 Questions To Help You Decide Whether To Move In Retirement

Share to Twitter Share to Linkedin Matthew Gantner, Founder & CEO— Altum Strategy Group . We’re living in a time of heightened economic uncertainty. While recent economic data shows areas of promise , businesses are bracing to manage uncertainty throughout 2023. Consequently, I see cost reduction measures—such as layoffs in the tech space—and the reconsideration of investments to ensure businesses achieve growth and efficiency in the years ahead. This shift is notable in comparison to the business environment of the past decade. Previously, many companies focused on growth at all costs, and now they are challenged by investors and stakeholders to generate meaningful returns and drive profitable growth. I see an emphasis on business fundamentals of revenue generation, risk mitigation and return on investment—all of which are core to the financial health of an organization. (Full disclosure: My firm offers services in these areas.) … [Read more...] about The 2023 Playbook: Revenue, Risk Mitigation And ROI

Share to Twitter Share to Linkedin Dr. Vince Molinaro , CEO of Leadership Contract Inc., is a NY Times best-selling author & adviser on scaling leadership accountability. Collaboration and teamwork are essential to the success of today's companies. While these elements have always been important, modern businesses have more integrated strategies that demand leaders work across departments, functions and business units to achieve successful outcomes. However, many leaders struggle to work collaboratively, remaining stuck in silos or fighting with colleagues. Building relationships with peers is crucial to success, and knowing where you stand with them is equally important. Consider the peers with whom you work most frequently. How do they perceive you? Do they trust you? Have you built your credibility with them? Do they value your leadership? These questions may be a mystery or a guess, but they need not be. There are strategies to help you gain … [Read more...] about Are You Clear On The Value You Provide As A Leader?

Share to Twitter Share to Linkedin The Saving Problem Secure 2.0 Aimed to Solve Secure 2.0 is a pension reform package passed at the end of last year with provisions to lower taxes on retirement savings for high earners and to expand coverage and retirement savings. At least, that was a hope. My colleague and I, Siavash Radpour, Research Director at the Schwartz Center for Economic Policy Analysis at The New School, unpacked the provisions to investigate how well Secure 2.0 will do to help those without an employer plan or significant levels of retirement savings. The sorry truth is that most, over 63 million workers , have no retirement plan that will supplement their Social Security. And the average holdings for the worker with a retirement account is about $100,000. What is the Savers Credit/Match in Secure 2.0 and how does it affect American workers’ retirement security? Before SECURE 2.0, the Savers’ Credit credited a low earners’ tax bill … [Read more...] about Q&A: Does Secure 2.0 Go Far Enough To Really Expand Retirement Savings?

Share to Twitter Share to Linkedin Topline Almost one-in-six American adults decided to move at least some of their money as a direct result of recent regional banking failures, with 10% moving “all” of their money, according to a Morning Consult poll , as the collapse of Silicon Valley Bank and other institutions shakes the confidence of both Wall Street and American consumers—even as top officials say the banking industry is solid and Americans’ money is secure . Key Facts The poll of nearly 2,200 U.S. adults carried out Thursday and Friday found 16% moved some or all of their money, though most transferred their assets to regional, local or digital banks. Some 73% of those who moved money are men, while 58% are members of the Millennial generation and almost half (46%) reported owning cryptocurrency—all numbers far higher than the makeup of the general U.S. population. Despite a sizable chunk of Americans deciding to shift where … [Read more...] about 16% Of Americans Moved Money After Silicon Valley Bank Failure, Poll Suggests

Share to Twitter Share to Linkedin What happened with SVB, and what is happening with banks? On March 10, the Federal Deposit Insurance Corporation (FDIC) closed Silicon Valley Bank (SVB) and Signature Bank. You may have seen that investors are concerned about First Republic Bank, and that UBS has acquired Credit Suisse – a Swiss bank. The failures of SVB and Signature (and current concerns about banks generally) illustrate a fundamental banking problem – a mismatch of expectations between bank depositors and bankers. Depositors want to be sure that their money is safe (as safe as money in the bank!). They subconsciously think that their bank is holding their money for them, when in fact they have lent their money to their bank. Bankers earn profits by relending their customer’s deposits. However, bankers do not say to depositors, “we earn profits by lending (and taking risks with) your deposits.” They simply announce the interest rate that they … [Read more...] about SVB, The Banks, The Economy, And The Market