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    Steps to Take to Prepare for a Layoff
    Posted on Wednesday, September 23 @ 00:02:13 PDT (15 reads)
    College Guide Losing your job can be emotionally painful (weren’t you doing a good enough job?) And can throw your finances for a major curveball. How will you pay your bills? How long will this situation last? take a deep breath, and arm yourself with knowledge for financially surviving a layoff. Whether you’re going through this situation right now or are worried it might occur, you can likely make adjustments and you can make and tap resources to weather this challenge. It’s a phase to move through but not to define you. Read on to learn: • how to budget when laid off • how to file for unemployment benefits • how to prioritize debt • how to bring in income. preparing financially for a layoff unfortunately, layoffs seem to be a part of modern life. In the first nine months of 2023, there were more than 605,000 layoffs, which marked a 198% increase versus the year prior. That’s not heartening, but it’s a way of saying that if you are laid off, you are not alone, and it can also be wise to prepare financially for a layoff if you are currently employed. not having a steady income probably means you’ll have to figure out how to pay your bills when laid off . Until you find another stream of income, it’s important to keep your budget in order and learn to live within your means. Being financially prepared means having a clear understanding of what your expenses are so you can stay on track, especially with debt, if you have it. There are also resources you can access that may help with your cash flow during this difficult time. steps to take to prepare for a layoff here are some smart moves that can help you be prepared and not panic if you do get laid off. start an emergency fund a common strategy is to build up an emergency fund prior to an event like job loss. It’s a way of preparing for a layoff before it happens. An emergency or rainy day fund is typically a savings account that you’ve been adding to on a weekly or monthly basis. Having roughly three to six months’ (or more) worth of monthly expenses is helpful. That sum can tide you over at a moment of job loss and give you peace of mind. • you may want to automate your savings and have a small amount ($25 can get the ball rolling) transferred from checking to savings every payday. Or have that amount direct-deposited into savings. • the emergency fund should only be accessed for emergencies, as its name suggests. (No fair dipping into this kind of savings account when there’s an amazing sale at your favorite store.) • if you have the opportunity to contribute more than usual (say, you receive a financial windfall, like a bonus or a tax refund ), do boost your emergency savings because you never know when you will need to tap into that account. budget, budget, budget if you have an inkling that your company is preparing to lay off some employees or if you lose your job, it’s wise to double-check your weekly budget . This means separating your necessary spending from your discretionary spending. • necessary expenses include things like rent or a mortgage, utilities, food, and health insurance. Don’t forget about minimum debt payments, such as student loan and credit card payments. • discretionary spending may include traveling, dining out, new clothes, and entertainment. it can be helpful to focus on how much you need to spend each month for necessary expenses (some people refer to this as their monthly “nut.”) Make a list of these basic living expenses and see what they total. Then, pre-layoff, you’ll also see how much you can allocate for activities that you want to do. It’s probably not the best idea to spend every penny each month. You want to have extra money at the end of the month to put toward savings. if and when a layoff hits, you’ll focus on necessities and minimize your discretionary spending (more details below). You can also tweak your budget when unemployed to, say, cut back on some long-term savings to get you through this moment. file unemployment benefits if you do lose your job, you may be able to qualify for unemployment benefits. This can get some funds flowing your way to help tide you over. • read the eligibility requirements to see if your situation aligns with the rules for unemployment. The eligibility requirements are likely to vary from state to state and may be determined on a case by case basis; payment amounts will vary as well. • if you qualify, filing for unemployment benefits will allow you to receive payments if you are out of a job due to no fault of your own. (There is a possibility that those who are fired because they don’t meet job qualifications may receive funds as well.) • generally, to qualify for unemployment benefits, you should be able and available for work, as well as be looking for employment. Once you’ve determined your eligibility, you can file on your state’s official government office of unemployment compensation website. The site should give you guidance on when to expect benefits. ask about severance packages severance pay can be provided for employees after they are no longer employed at a company. Severance is based on the duration of employment, but your employer is not required to provide severance upon termination. if you were terminated through no fault of your own, employers may pay, for example, two weeks of salary for each year of employment. Severance may also include health insurance benefits and even services to help you find a new job. These can be very helpful supports when you’ve lost your job. use credit cards only for emergencies if you become unemployed, it’s wise to stop using credit cards to make purchases. Paying with your credit card creates debt that comes with high interest rates (currently more than 20%). At such high interest rates, debt can really snowball. also, when you are out of work, it can be challenging to pay an existing credit card balance. If you manage to pay the minimum balances of your credit card debt rather than paying in full every month, the credit card debt may cost you more over time since you also have to factor in added interest. if you find yourself in this kind of a bind with credit card debt, take action. Consider a balance transfer credit card that offers no or very low interest rates for a period of time. Or speak with a debt counselor at a nonprofit organization like the national foundation for credit counseling (nfcc). make sure emergency funds are in order emergency funds, as mentioned above, are an important part of a financial plan and can be a lifesaver for someone who is unemployed. If you are in a situation where you unexpectedly don’t have a stream of income until you find another job, you’ll be more at ease if you have built up an emergency fund over time, as mentioned above. in this case, you can dip into your emergency fund for mandatory expenses to fulfill your short-term needs. If you don’t have emergency funds, unemployment benefits become that much more important. Borrowing from a close friend or a family member might also be an option. practical tips for saving money after a job loss saving money after a layoff can certainly be difficult. You don’t have the usual cash infusion to pay your bills and buy groceries. That is why you need to proceed with caution and learn how to economize when you lose your job. Here are strategies for making ends meet during this difficult time. get back on linkedin and start networking if you’re job-hunting, linkedin can be a great tool for networking. The platform is set up so you can find and interact with former colleagues, alumni from your college, and professionals at companies you aspire to work for. • start commenting on people’s linkedin posts and have conversations with existing connections. • build up your profile so recruiters know your job history, your professional skills, and that you are looking for work. This can lead to job opportunities. prioritize and negotiate any debts if needed continuing to pay down debt while unemployed should still be a priority. One strategy to pursue is paying off debt that has the highest interest rate. Debt with higher interest rates cost more, so paying this off first will have you saving money in the long-term. but “how can i pay down debt if i don’t have income?” You are probably wondering. One answer: try to negotiate your debt. It can be possible to work with your credit card company to negotiate interest rates, payment amounts, and the terms on your credit card debt. avoid luxuries temporarily being unemployed can be a frightening experience. You no longer have a steady flow of income and may not feel financially prepared to weather short-term expenses. To ease this burden, work to eliminate spending on luxuries. Now might be a good moment to downsize streaming services and other subscriptions. also eyeball what expenses you have on the horizon: if you had booked a vacation house or a cruise for a few months down the line, it may make good financial sense to investigate getting a refund. That money could be allocated toward your everyday expenses as you job-hunt. look at investments and retirement if you are temporarily out of a job, do your best to keep your hands off your retirement funds . You worked hard to save that money, and it’s there to fund a long-term financial goal. That said, some people do tap their retirement accounts as a last resort when unemployed. when you withdraw from your retirement account before the age of 59 ½, you will incur a penalty tax. However, there are some cases where you may be able to withdraw funds when unemployed without paying this. you may be able to set up what’s known as a substantially equal periodic payments (sepp) over five years or until you hit age 59 ½, whichever is greater. However, if you do receive this kind of distribution, it will likely count as income and may therefore lower any unemployment benefits you may be receiving. Talk with your plan administrator to learn more. start a side hustle you might consider starting a side hustle to bring in some extra cash while looking for full-time work. There are many ways to earn more money. You could rent out an extra bedroom in your home or apartment, sell unwanted items , drive for uber or lyft, or market your professional skills on online service platforms such as fiverr or upwork. These are viable avenues to get some money coming in until you lock down a new job. the takeaway figuring out how to manage your finances when you are in between jobs can be stressful, but there are ways to prepare and then actions that can help you get by. Building and then tapping an emergency fund, accessing unemployment, and budgeting are some actions to take. also make sure your banking partner is making it easy and profitable for you to do business with them. interested in opening an online bank account? When you sign up for a sofi checking and savings account with direct deposit, you’ll get a competitive annual percentage yield (apy), pay zero account fees, and enjoy an array of rewards, such as access to the allpoint network of 55,000+ fee-free atms globally. Qualifying accounts can even access their paycheck up to two days early. disclosures: sofi® checking and savings is offered through sofi bank, n.A. ©2023 sofi bank, n.A. All rights reserved. Member fdic. Equal housing lender. the sofi bank debit mastercard® is issued by sofi bank, n.A., Pursuant to license by mastercard international incorporated and can be used everywhere mastercard is accepted. Mastercard is a registered trademark, and the circles design is a trademark of mastercard international incorporated. sofi members with direct deposit activity can earn 4.60% annual percentage yield (apy) on savings balances (including vaults) and 0.50% apy on checking balances. Direct deposit means a deposit to an account holder’s sofi checking or savings account, including payroll, pension, or government payments (e.G., Social security), made by the account holder’s employer, payroll or benefits provider or government agency (“direct deposit”) via the automated clearing house (“ach”) network during a 30-day evaluation period (as defined below). Deposits that are not from an employer or government agency, including but not limited to check deposits, peer-to-peer transfers (e.G., Transfers from paypal, venmo, etc.), Merchant transactions (e.G., Transactions from paypal, stripe, square, etc.), And bank ach funds transfers and wire transfers from external accounts, do not constitute direct deposit activity. There is no minimum direct deposit amount required to qualify for the stated interest rate. sofi members with qualifying deposits can earn 4.60% apy on savings balances (including vaults) and 0.50% apy on checking balances. Qualifying deposits means one or more deposits that, in the aggregate, are equal to or greater than $5,000 to an account holder’s sofi checking and savings account (“qualifying deposits”) during a 30-day evaluation period (as defined below). Qualifying deposits only include those deposits from the following eligible sources: (i) ach transfers, (ii) inbound wire transfers, (iii) peer-to-peer transfers (i.E., External transfers from paypal, venmo, etc. And internal peer-to-peer transfers from a sofi account belonging to another account holder), (iv) check deposits, (v) instant funding to your sofi bank debit card, (vi) push payments to your sofi bank debit card, and (vii) cash deposits. Qualifying deposits do not include: (i) transfers between an account holder’s checking account, savings account, and/or vaults; (ii) interest payments; (iii) bonuses issued by sofi bank or its affiliates; or (iv) credits, reversals, and refunds from sofi bank, n.A. (“Sofi bank”) or from a merchant. sofi bank shall, in its sole discretion, assess each account holder’s direct deposit activity and qualifying deposits throughout each 30-day evaluation period to determine the applicability of rates and may request additional documentation for verification of eligibility. The 30-day evaluation period refers to the “start date” and “end date” set forth on the apy details page of your account, which comprises a period of 30 calendar days (the “30-day evaluation period”). You can access the apy details page at any time by logging into your sofi account on the sofi mobile app or sofi website and selecting either (i) banking > savings > current apy or (ii) banking > checking > current apy. Upon receiving a direct deposit or $5,000 in qualifying deposits to your account, you will begin earning 4.60% apy on savings balances (including vaults) and 0.50% on checking balances on or before the following calendar day. You will continue to earn these apys for (i) the remainder of the current 30-day evaluation period and through the end of the subsequent 30-day evaluation period and (ii) any following 30-day evaluation periods during which sofi bank determines you to have direct deposit activity or $5,000 in qualifying deposits without interruption. sofi bank reserves the right to grant a grace period to account holders following a change in direct deposit activity or qualifying deposits activity before adjusting rates. If sofi bank grants you a grace period, the dates for such grace period will be reflected on the apy details page of your account. If sofi bank determines that you did not have direct deposit activity or $5,000 in qualifying deposits during the current 30-day evaluation period and, if applicable, the grace period, then you will begin earning the rates earned by account holders without either direct deposit or qualifying deposits until you have direct deposit activity or $5,000 in qualifying deposits in a subsequent 30-day evaluation period. For the avoidance of doubt, an account holder with both direct deposit activity and qualifying deposits will earn the rates earned by account holders with direct deposit. members without either direct deposit activity or qualifying deposits, as determined by sofi bank, during a 30-day evaluation period and, if applicable, the grace period, will earn 1.20% apy on savings balances (including vaults) and 0.50% apy on checking balances. interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at https://www.Sofi.Com/legal/banking-rate-sheet . financial tips & strategies: the tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances. third-party brand mentions: no brands, products, or companies mentioned are affiliated with sofi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners. tax information: this article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice. external websites: the information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by sofi. Links are provided for informational purposes and should not be viewed as an endorsement. sobk0124074 this article is originally on sofi .
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    College scam prevention: Young adults lose $490M a year, according to FTC
    Posted on Wednesday, September 23 @ 00:02:13 PDT (14 reads)
    College Guide The brief young adults lost about $490 million to fraud and scams last year, according to ftc data. chase bank is working with some university of tampa professors to integrate scam prevention education into classes. experts say scammers often target young adults through debt relief and job and rental applications. tampa, fla. - Young adults are becoming prime targets for scams and fraud, prompting new partnerships at the university of tampa to combat the growing issue. college campus fraud why you should care young adults, from ages 20 to 29, lost about $490 million to scams and fraud last year, according to data from the federal trade commission. advertisement advertisement advertisement advertisement while seniors and older adults are often targeted by scammers and fraudsters, young adults are also vulnerable to evolving tactics. local perspective at the university of tampa, professors partnered with chase bank to teach students about what to look out for, warning signs and what to do if they suspect something is a scam. targeted scam tactics what theyre saying experts say scammers will often target young adults and students through scholarships, rental applications and job applications. things like social media ads, leigh weaver, the community manager at chase, said. So, it could be a company that has a sale, something that really, when you think about it, if it sounds too good to be true, then it probably is. Theyre also telling people that they can help them erase their student loan debt, and theyre also asking for their personal information for job applications. verification methods what you can do experts encourage young adults to verify any information through the company, agency or bank involved. They say scammers frequently use fake arrest threats or impersonate family members. advertisement advertisement instead of responding directly to unexpected calls, texts, or social media offers, people should contact the agency involved or a trusted family member or friend. the source the information in this story was gathered from data from the ftc and interviews conducted with chases community manager leigh weaver and university of tampa students.
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    The Future of American Non-profit Theatre: A Discussion
    Posted on Wednesday, September 23 @ 00:02:13 PDT (13 reads)
    College Guide The future of american non-profit theatre: a discussion latest stories robbie fairchild’s debut as a choreographer is about shakespeare’s “lovely boy” the first dance created by the former new york city ballet principal and broadway star looks at the young man to whom shakespeare addressed over 100 sonnets. The piece, lord chamberlain’s men, imagines that he was an actor in the playwright’s company — and an inspiration for romeo and... faced with soaring costs, museums are rethinking their climate control standards for decades, professionals codified a climate range of plus or minus 2°c and plus or minus 5% humidity into museum practices and loan agreements worldwide, applying these numbers to institutions in environments wildly different from london. In recent years, however, professionals have started to push back against these stringent... deutsche oper berlin needed some shaking up, so its new boss is going big attendance at the dob has been disappointing in recent years; it was time for something different. Aviel cahn, who became the company’s general director this year, is making major programming changes. His first new staging there is nothing less than stockhausen’s mittwoch aus licht, complete with camel and helicopters.... premium education ready to lead what’s next in the creative industries? build the strategic, business, and leadership skills to shape what’s next across entertainment, media, arts, and culture. Earn your northwestern master’s in one year. jobs vice president of human resources and labor relations – la opera via toc arts partners los angeles opera seeks a new vice president of human resources and labor relations. jobs artistic director -florida studio theatre working with management consultants for the arts florida studio theatre (fst) is seeking a talented theater professional to lead the planning and execution of the organization’s core programming as artistic director. jobs managing director -florida studio theatre working with management consultants for the arts florida studio theatre invites applications for its managing director, a role for individuals with strong talent for running complex, multi-venue producing operations. classifieds jobs assistant professor of dance in the college of fine arts the tcu school for classical & contemporary dance invites applications for the position of assistant professor of dance. Review of applications begins november 1, 2026. jobs director of the school for classical & contemporary dance the tcu school for classical & contemporary dance invites applications for the position of director and associate/full professor. Review of applications begins november 15, 2026. jobs colburn seeks assistant vice president of performance & rentals marketing colburn seeks assistant vice president of performance & rentals marketing. Salary in the range of $160,000 to $220,000. jobs lead event technical director lead event technical director: oversee technical operations, crew leadership, safety compliance, and client coordination; requires rigging, carpentry, audio, lighting expertise in fast-paced performing arts venue.
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    Press Release - First-half 2026 results: AFL Group reports solid results and ach
    Posted on Wednesday, September 23 @ 00:02:13 PDT (18 reads)
    College Guide Press release - first-half 2026 results: afl group reports solid results and achieves strategic milestones in the development of its refinancing tools press release 23 september 2026 first-half 2026 results: afl group reports solid results and achieves strategic milestones in the development of its refinancing tools as of 30 june 2026, in a complex geopolitical and financial environment, afl group reports solid results and displays a robust financial structure: - net interest margin increases to€15.6m (vs. €15.2m in the first half of 2025), supported by the continued growth in outstanding loans. - net banking income amounts to€15.1m, close to the €15.4m recorded in the first half of 2025, a historically strong period in terms of earnings. - gross operating income reaches€4.2m. - the group launchedmajor initiatives to diversify and optimise its funding sources, generating nearly €1m in associated non-recurring costs. - one capital increase enabled29 new shareholder local governments to join the afl group, bringing the total number of shareholders to1,300. - balance-sheet strength is confirmed by robust liquidity and capital ratios, with regulatory capital increasing by more than €20m over the half-year. key figures as of 30/06/2026 (ifrs)(vs. 30 june 2025) | afl group1 (consolidated - ifrs) | afl2 (consolidated - ifrs) | | | net banking income | €15.1m (vs. €15.4m) | €15.0m (vs. €15.3m) | | operating expenses | €10.9m (vs. €9.1m) | €10.9m (vs. €9.0m) | | gross operating income | €4.2m (vs. €6.3m) | €4.2m (vs. €6.3m) | | pre-tax income | €3.9m (vs. €6.3m) | €3.9m (vs. €6.3m) | | net profit | €2.8m (vs. €4.7m) | €2.8m (vs. €4.6m) | | cost/income ratio3 | 81.7% (vs. 66.4%) | 81.7% (vs. 66.3%) | the first half of 2026 opens a new chapter in afl group’s development. As a new electoral cycle begins for municipalities and intermunicipal bodies, we remain fully committed to our mission of financing local public investment. the group delivers solid results in the first half-year period, demonstrating the resilience of its business model. The continued growth of our business activity, the strengthening of our own funds and the quality of our financial structure allow us to approach the next stages of our development with confidence. Explainsyves millardet, chairman of afl’s executive board. positive results supported by continued growth in outstanding loans, despite non-recurring items core business revenues continue to grow, driven by the steady increase in loans granted to shareholder local governments. Gross operating income is affected during the half-year period by non-recurring expenses, primarily related to the ongoing acquisition project of ge scf s.C.A. adjusted for these non-recurring items, gross operating income amounts to €5.1m. as of 30 june 2026, outstanding signed loans continue their steady growth and reach €10.4bn. cost of risk remains inherently limited afl s cost of risk remains inherently limited, reflecting its public development credit institution model, its prudent risk management framework, the very strong credit quality of french local governments4 and the quality of the assets held within its liquidity reserve. as of 30 june 2026, afl records a €234k charge relating to ifrs 9 expected credit loss provisions. Total provisions represent approximately 0.014% of assets. these provisions primarily reflect changes in the assumptions used to build macroeconomic scenarios across asset classes, together with balance-sheet growth. strengthened prudential own funds during the first half of 2026, afl s prudential own funds increase by more than €20m, mainly as a result of earnings retention from the previous financial year and capital contributions from shareholder local governments. this momentum illustrates the strength of afl s model: business growth and the commitment of its shareholder local governments jointly contribute to strengthening its development and enhancing its capacity to support local public investment. this translates into high capital ratios as of 30 june 2026: - afl group cet1 ratio: 55.67% (vs. 59.45% as of 31 december 2025) / afl: 54.15% (vs. 57.78%) - afl group tier 1 ratio: 57.37% (vs. 61.33%) / afl: 63.61% (vs. 68.71%) - afl group banking leverage ratio: 2.45% (vs. 2.32%) / afl: 2.71% (vs. 2.59%) - afl group leverage ratio for public development credit institutions: 11.37% (vs. 11.18%) / afl: 12.67% (vs. 12.58%). high liquidity levels in line with its prudent management principles, afl maintains very strong liquidity levels as of 30 june 2026: - afl’s liquidity coverage ratio (lcr) stands at 250% (vs. 485% as of 31 december 2025 and a regulatory minimum of 100%) - afl’s internal 12-month liquidity ratio (ncrr) stands at 161% as of 30 june 2026 (vs. 101% as of 31 december 2025), corresponding to a €2.4bn liquidity reserve, enabling afl to meet all its funding needs for more than one year without recourse to the capital markets. the strength of afl s financial structure is recognised by the rating agencies, assigning it ratings equivalent to those of the french sovereign. afl ratings | fitch ratings | standard & poor s | | | long-term rating | a+ | a+ | | outlook | stable | stable | | short-term rating | f1+ | a-1 | significant events during the first half of 2026 launch of major strategic initiatives to diversify and optimise afl s funding costs for the benefit of local governments since 2024, afl’s funding cost in the bond markets, as more broadly that of french public sector issuers, has increased significantly following the downgrade of the french sovereign rating. against this backdrop, afl is pursuing two major strategic initiatives aimed at strengthening its refinancing capabilities over the long term. The first involves securing access to the covered bond market through the proposed acquisition of ge scf s.C.A., A french specialised credit institution issuer of covered bond (“société de credit foncier”), subject to the required regulatory approvals. The second focuses on obtaining a 0% prudential risk weighting for afl’s senior debt securities. these initiatives share a common objective: to diversify funding sources, enhance the resilience of afl’s business model and preserve the best possible financing conditions for local and regional governments. enhanced presence in the capital markets during the first half of 2026, afl has raised €1bn to an average spread of 14.6 basis points over the oat curve, despite a more challenging market environment. afl completed its first australian domestic bond issuance in may 2026, for an amount equivalent to €366m. This transaction marks an important milestone in afl s refinancing strategy and supports the diversification of its investor base while contributing to the optimization of funding costs. through a new €500m benchmark bond issue launched in may 2026, afl completed its euro yield curve with a new september 2033 reference maturity. The transaction received exceptionally strong investor demand, generating the largest order book in afl s history at €3.7bn. afl continues its commitment to sustainable finance as part of its annual funding programme and its ongoing efforts to continuously enhance its sustainable finance framework, afl published on 29 june 2026 an updated version of its sustainability bond framework. the revised framework is aligned with international market standards, including the green bond principles, social bond principles and sustainability bond guidelines published by the international capital market association (icma). the framework also received an independent external assessment through a second party opinion issued by ethifinance: - framework: view the esg issuance framework - spo ethifinance: view the second party opinion subsequent events - on 22 september 2026, the board of directors of afl-st launched a new capital increase to enable additional local governments to join the group as shareholders. - since the end of the first half of the financial year, afl has completed a new syndicated euro-denominated sustainable bond issue, maturing in 2035, for an amount of €500 million under its updated sustainability bond framework. The transaction was priced at a spread of 16 basis points over the oat curve. - as at the date of this press release, afl raised a total principal amount of €1,501 million on the bond markets since the beginning of 2026, at an average spread of 15 basis points over the oat curve and completed the execution of its 2026 funding programme. on 9 september 2026, afl’s executive board formally approved afl’s corporate and consolidated half-year financial statements for the first half of 2026. Meeting under the chairmanship of mr. Sacha briand on 22 september 2026, afl’s supervisory board favourably reviewed afl’s half-year financial statements. on 22 september 2026, the board of directors of afl-st, the société territoriale, meeting under the chairmanship of mrs. Marie ducamin, approved afl group’s consolidated half-year financial statements. the statutory auditors have completed their limited review procedures on the corporate and consolidated half-year financial statements for the period ended 30 june 2026. this press release contains certain forward-looking statements. Although afl group believes that these statements are based on reasonable assumptions as of the date of publication of this press release, they are by nature subject to risks and uncertainties, including those relating to geopolitical tensions, changes in macroeconomic forecasts and developments in monetary policy, which could cause actual results to differ from those expressed or implied in such statements. afl group’s financial information for the first half of 2026 consists of this press release and the report available here. about afl, the public bank by and for local governments the only french bank to be 100% owned by local governments, afl benefits from a unique and innovative business model; that of a bank created by and for local authorities. By becoming shareholders in afl, local authorities access quick and personalised financing for their local investments, all while signing up to a sustainable and responsible way of working. For these authorities, it provides the freedom to invest, while maintaining a well-controlled management of their finances. Since the start of its activities in 2015, afl has already provided more than 13 billion euros in financing and now totals 1,300 shareholders. more information: www.Agence-france-locale.Fr/en/ 1 afl group comprises agence france locale - société territoriale (afl-st), agence france locale (afl), agence france locale immobilier and agence france locale – participations sas. 2 afl’s consolidated financial statements comprise agence france locale, agence france locale immobilier and agence france locale – participations sas. 3 calculated by adding the additional tier 1 (“at1”) interest expenses to net banking income, albeit in line with ifrs, these interest charges are directly booked as a reduction in shareholders’ equity without being recorded in the income statement. 4 the risk weighting applicable to regions, departments, municipalities and municipality groupings with their own tax-raising powers was reduced to 0% by decision of the supervisory college of france’s prudential supervision and resolution authority (acpr) on 21 june 2024. attachments © 2026 globenewswire, inc. All rights reserved.
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    WLP93: Background to Treason, part 4 | National Vanguard
    Posted on Wednesday, September 23 @ 00:02:13 PDT (10 reads)
    College Guide Wlp93: background to treason, part 4 to celebrate the ninety-third anniversary of the birth of william luther pierce (11 september 1933 – 23 july 2002), the founder of cosmotheism, of the national alliance, and of this publication national vanguard, we offer his brilliant series on zionism, background to treason, parts one through five, which we will run throughout the month of september. a brief history of u.S. Policy in the middle east, part 4: teaching americans to hate and kill the jews’ enemies [1] by dr. William l. Pierce americans who did not actually live through the second world war cannot imagine the pervasive atmosphere of hatred against germans which the jews managed to generate with their war propaganda. It began in 1933 — more than eight years before pearl harbor — with the aim of preparing the american people emotionally to wage war against germany; it gained venom during the war years, inciting americans to spare nothing in their effort to kill germans; and it continued after the war, urging that no mercy be shown to the conquered. (Illustration: theodore kaufman’s book spelled out jewish plans for the destruction of the german people during the second world war.) indeed, it continues to this day, in the never-ending stream of new “holocaust” films and television features, as well as in the reruns of old war films. Nearly four decades after the end of the war the average american — especially one who spends much time before a television receiver — still has a mental image of germans as arrogant, cruel, treacherous, and brutal — in a weak, contemptible sort of way, of course. While the japanese have been rehabilitated in the controlled media, the germans have not — because the latter, unlike the former, dared to raise their hands against the jews. during and immediately before the war, the anti-german propaganda was much more intense, vicious, and direct than it is now, however. A good example is a book by theodore n. Kaufman, germany must perish, which was widely distributed in the united states in the early 1940s.[2] it set the tone by urging that the united states not only go to war against germany but adopt the national goal of exterminating the entire german people, down to the last man, woman, and child. It was published when germany and the united states were still at peace, although to the author that is a mere technicality, and he writes as though the two nations were already locked in a death struggle. He begins: today’s war is not a war against adolf hitler. nor is it a war against the nazis. it is a war of peoples against peoples; of civilized peoples envisioning light, against uncivilizable barbarians who cherish darkness…. it is a struggle between the german nation and humanity…. this war is being waged by the german people. It is they who are responsible. It is they who must be made to pay for the war…. this time germany has forced a total war upon the world.As a result, she must be prepared to pay a total penalty. and there is one, and only one, such total penalty: germany must perish forever! in fact — not in fancy! kaufman then goes on to rationalize his argument and to convince readers that he is both a reasonable and a compassionate man. He even allows that there may be a few decent germans among the wicked majority. But, he cautions, the german bloodlust comes “from the very depths of the german national soul,” and so even if we spare only innocent germans from the current generation, they will inevitably give birth to a new generation of wicked germans, who will unleash another murderous war on the world, and millions of innocent non-germans will perish. Is it not those millions who deserve our sympathy, rather than a few germans? kaufman gives his readers a few chapters of spurious german history sprinkled with doctored quotes from friedrich nietzsche and heinrich von treitschke to demonstrate the hopeless depravity of the germans down through the ages and to prove that a single thought has always preoccupied the german mind: “to rule the world, or, failing that, to annihilate it! And so long as the german nation exists it intends, in one form or another, now or later, to bring about just such a catastrophe.” he concludes, with feigned reluctance, that the only way to make the world safe is to kill all of the germans. He states this conclusion, in different words, 30 or 40 times throughout the book, just so the densest goyische reader will get the message: “… [t]he goal of world-dominion must be removed from the reach of the german and the only way to accomplish that is to remove the german from the world!” “They are but beasts; they must be dealt with as such.” “There remains then but one mode of ridding the world forever of germanism — and that is to stem the source from which issue those war-lusted souls, by preventing the people of germany from ever again reproducing their kind.” And so on. every few pages, between bouts of shrieking for the american goyim to go forth and slaughter the german goyim, this hate-crazed jew stops jumping up and down and goes into a hand-wringing act, becoming for a moment a tender-hearted jew whose basic goodness and humanitarianism rebel at the necessity of genocide. But only for a moment. It is a crude and transparent act, but not much cruder or more transparent than the television propaganda of the present. kaufman winds up his book with a few calculations. He figures that all the german soldiers who have not been killed in the fighting before their government surrenders unconditionally can be sterilized in less than a month by a team of 20,000 surgeons, each of whom will perform an average of 25 sterilizations per day. The civilian population can then be dealt with in a more leisurely manner, over a period of several months. after everyone, male and female, has been sterilized, the publication of all printed materials in the german language will be forbidden; the germans will then be divided up into slave-labor battalions and marched off to work for the democratic and communist victors, where they will be compelled to learn and use the language of their new masters; german land will be portioned out to the various allies (kaufman even provides a map to show who will get what); and, with a “normal death rate of 2 per cent per annum, german life will diminish at the rate of 1,500,000 yearly. Accordingly in the span of two generations that which cost millions of lives and centuries of useless effort, namely, the elimination of germanism and its carriers, will have been an accomplished fact.” and what about those americans who do not share his enthusiasm for launching a genocidal crusade against the germans? There were a number of such people in 1941, among them aviation hero charles lindbergh, who was traveling around the country and speaking on behalf of the america first committee, doing his best to counter the poisonous propaganda of kaufman and the other jews. kaufman denounces these people as “spineless jellyfish” and “fifth columnists, who must, in war time, be summarily dispatched.”[3] kaufman’s bloodthirsty ravings have been worth quoting, because they are so explicit in their murderousness. Most jewish propagandists were not as mathematically detailed in their call for the extermination of the germans, but their writing dripped with exactly the same semitic hatred. Ben hecht was a hollywood scriptwriter, one of the most successful of his tribe[4]. He had much more than the customary jewish cleverness with words; he could even be subtle. But in 1944 hecht wrote a book[5] about germans, in which he said: …[a] cancer flourishes in the body of the world and in its mind and soul and … the cancerous thing is germany, germanism, and germans…. i am not interested in the germans as musicians or scientists because you do not have to be a german to be either. To be a murderer, bold and gleeful, you have to be a german … i read in the fatness of their necks the mark of the murderer. I read in their watery eyes, their faded skins, their legs without feet, and their thick jaws, the fulfillment of a crime and the promise of another…. the german hates democracy because he does not like himself. He has only one political ideal. It is based on his fat neck, his watery eyes, and his faded skin…. He dreads initiative as if it were a pox and he blubbers like a lost child if called on to depend for himself. “Submission, conformity, whether public or private, are german virtues,” wrote nietzsche. This backwardness, this underdevelopment of ego, make the germans enemies, not only of the jew, but of the form of life which jewish egoism has helped create — democracy. Democracy is to the german a truly evil thing since it robs him of his profession as a servant…. he is a pure murderer. The thought of killing defenseless people brings a glow into his fat german neck…. it is by murder that the german reduces the world fleetingly to his own measure, appeases his lack of ego, makes his bid as an artist (a strong man) asserts his crudity over the finesse of human manners to which he is an unhappy stranger. Murder is his only escape from his damnable subservience. It is the only deed open to slaves. It is the only strength possible to the docile and frightened mind…. unlike all other murderers, they are proud of their crimes. There are no eyes of others to stare them out of countenance. Around them are only german eyes, the eyes of german thinkers, philosophers, businessmen, leaders, scientists. The understanding of murder, the belief in murder, the need for murder are all in these eyes. Wherever the little german burgher looks as he wipes his hands of murder he sees only murderers like himself — a city, a country, a tribe, a nation, a history of murderers. He does not have to repudiate his crime. He does not have to shudder at its abnormality. He is normal…. the germans outraged me because they are murderers, foul and wanton, and because they are fools such as gibber at a roadside, with spittle running from their mouths. They outraged me because they raised their little pig eyes to their betters and sought to grunt and claw their way to the mastery of men… that this most clumsy and backward of all human tribes — this leaden-hearted german — should dare to pronounce judgment on his superiors, dare to outlaw from the world the name of jew — a name that dwarfs him as the tree does the weed at its foot — is an outrageous thing…. It is an evil thing for the world that there remains in it a tribe that has only one dream — to cut the wings of others. and so on, for 276 hate-filled, self-righteous pages — except that between his spells of commentary on the germans’ fat necks, watery eyes, and penchant for murdering their betters, hecht uses his script-writer’s imagination to work up various “holocaust” scenarios. Here is an example: the german governor of warsaw was decorated and promoted to a general for thinking up the idea of the lime kiln freight cars. Each freight car was equipped with enough lime to eat up 200 jews. By the time the freight cars arrived at the burial ditches, twenty thousand jews were dead in them. In addition to being inexpensive and killing jews, lime possessed another property than endeared it to the germans discussing these matters at their desks. Lime hurt jews more than bullets or even fire. It ate their faces off and removed their bellies slowly.[6] seven pages later hecht reports that 7,000 jews were murdered by germans by being made to lie down on a road so that they could be “run over by heavy motor lorries (this money-saving device was thought up by a german general in romania).” like kaufman, hecht expresses his conviction that the only way for the world to be safe is for there to be no germans in it. The dust jacket of his book has a little jingle on it which he wrote, urging his goyische readers to “buy war bonds,” so that just such a german-free world can be brought about by means of tnt and phosphorus. realistically, books like germany must perish, a guide for the bedevilled, and dozens of others in a similar vein probably played a relatively minor direct role in generating a genocidal fervor among ordinary americans before and during the war. The average b-17 or b-24 pilot carpet-bombing residential areas in german cities, the p-47 or p-51 pilot strafing civilian refugee columns along german roads probably hadn’t read any of them. Instead he absorbed most of his jewish hate propaganda through more popular media: motion pictures, radio broadcasts, and magazines. but the books set the pattern and provided the rationale. Kaufman’s mass-sterilization scheme was widely quoted by more influential writers. The grotesque caricature of germans developed in hecht’s book was the model he and other hollywood scriptwriters used in concocting their poisonous films. The “lime kiln freight cars” idea — and a thousand other “holocaust” inventions — were picked up by the magazine writers and integrated into a whole mythology of german wickedness. gradually the threads from the 1930s were drawn together during the 1940s and woven into a fabric of hatred which was used to stifle the thinking of a people. It was only through this jewish fabric that the average american was permitted to view the world during the 1940s. and it was the grossly distorted vision thus produced which had american civilians singing along with the clever jewish radio jingles about “hitting the heinies” and “kicking the krauts” at the beginning of the war and which made it seem quite all right for american gi’s to murder german pows at the end. It was the public mind-set created by this fabric which emboldened henry morgenthau jr. (1891-1967), president franklin roosevelt’s secretary of the treasury from 1934 to 1945 and one of his principal wartime advisers, to convert kaufman’s genocidal hate-screed into an official u.S. Government policy calling for the liquidation of the german nation. like kaufman, morgenthau called for dismembering germany and forcing the german people into slave-labor battalions. He also demanded an end to all german-language publications and the closing of all german schools. instead of using forcible sterilization to eliminate the germans as kaufman urged, however, morgenthau planned to accomplish the same thing through starvation. All germany’s industries were to be dismantled completely; her mines — including coal mines — were to be sealed permanently; and her people were to be herded into an area about half the size of prewar germany — essentially a large concentration camp — and isolated from the world. And then they were to be left to starve. morgenthau stipulated that the allied armies of occupation were to give them no assistance whatever: “the allied military government shall not assume responsibility for such economic problems as price controls, rationing, unemployment, production, reconstruction, distribution, consumption, housing or transportation, or take any measures designed to maintain or strengthen the german economy, except those which are essential to military operations. The responsibility for sustaining the german economy and people rests with the german people with such facilities as may be available under the circumstances.”[7] stripped of her mines, her factories, and nearly half of her farmland, and denied the food imports which had been a necessity even before the war, those “facilities” would be sufficient for germany to maintain a population of perhaps 30 million persons at a bare subsistence level — which implied that 50 million must starve to death. morgenthau presented this policy — which came to be known as the “morgenthau plan” — at the 1944 quebec conference (september 11-16) between roosevelt and churchill. Even churchill, one of the most irresponsible political leaders of modern times, was appalled by what he called “this cruel, un-christian” plan. history has no record of this little jew’s response to having his scheme denounced as “un-christian,” but it does note that the british prime minister was eventually persuaded to drop his objections when morgenthau offered him a bribe in the form of a $6.5 billion loan from the u.S. Treasury. secretary of state cordell hull (1871-1955) and secretary of war henry l. Stimson (1867-1950), both of whom were intensely anti-german, also objected vehemently to the morgenthau plan. Stimson told roosevelt that the morgenthau plan would reduce not only germany but all of europe to chaos. “It would be a crime against civilization itself,” he said. morgenthau was able to out-maneuver stimson, however, by using jews in the war department as his secret agents. One of them in particular, colonel david marcus, kept morgenthau informed of stimson’s plans. another, colonel bernard bernstein, on the shaef staff, intercepted the draft copy of the war department directive (jcs 1067) to elsenhower which specified the policies to be followed by the allied occupation forces in germany and sent a copy to morgenthau. The latter immediately complained to roosevelt that the army was planning to be too soft on germany. Eventually morgenthau was able to force a revision of jcs 1067, so that the final version incorporated major features of his plan. hull was furious when he discovered that morgenthau had persuaded roosevelt to adopt the plan. In his memoirs hull wrote of little jew’s arrogant meddling generally and his eagerness to advance jewish interests at the expense of american interests: … despite the fact that … [morgenthau] was not at all fully or accurately informed on a number of questions of foreign policy with which he undertook to interfere, we found from his earliest days in the government that he seldom lost an opportunity to take long steps across the line of state department jurisdiction. Emotionally upset by hitler’s rise and his persecution of the jews, he often sought to induce the president to anticipate the state department or act contrary to our better judgment. We sometimes found him conducting negotiations with foreign governments which were the function of the state department. His work in drawing up a catastrophic plan for the postwar treatment of germany, and inducing the president to accept it without consulting with the state department, was an outstanding instance of this interference.[8] later in his memoirs hull described morgenthau’s scheme as “a plan of blind vengeance.”[9] he went on to write of his personal reaction to it: this whole development at quebec, i believe, angered me as much as anything that had happened during my career as secretary of state. If the morgenthau plan leaked out, as it inevitably would — and shortly did — it might well mean a bitter-end german resistance that could cause the loss of thousands of american lives.[10] american lives, of course, meant nothing to morgenthau and his fellow jews, nor were they concerned about the postwar reconstruction of europe. Their primary concern was to maintain their control over roosevelt and not let him be swayed by hull and the other state department “fascists” (as morgenthau referred in his diaries to everyone who opposed his plan for germany). In this they were were entirely successful. roosevelt had been worried in september and october 1944, during his campaign for a fourth term in the white house, that the american public might react unfavorably to the morgenthau plan and that his re-election might be endangered thereby. Because of this he had remained somewhat equivocal in his attitude. The controlled media, however, kept public opinion firmly in line, and after the election roosevelt gave his full backing to the scheme. Morgenthau noted gleefully in his diary entry for march 20, 1945, that during a meeting with roosevelt that day the president’s son-in-law, major john boettiger, who was also present, had objected to the morgenthau plan, saying. “You don’t want the germans to starve,” and roosevelt had answered, “why not?” roosevelt died just three weeks later, and the new president, harry truman, who did not have quite as strong a stomach for jews as his predecessor, put a quick end to morgenthau’s meddling in non-treasury matters. He dropped morgenthau from his cabinet altogether in july 1945. Nevertheless, the morgenthau plan was not repudiated by the u.S. Government until 1947, and meanwhile the jews continued to push for its full implementation. few americans were bold enough to buck the climate of hatred against germany which the jews had spent 12 years generating. What finally halted the punitive demolition of german factories, cutting down of german forests, flooding and sealing of german mines, and other moves intended to prevent permanently any german economic recovery was no awakening of white racial consciousness or rejection of jewish hate propaganda, but american fear of soviet expansion.[11] the germans were not the only victims of the jews’ second world war hate campaign, although they suffered the most from it. The jews used the war to kill off their enemies wherever they could, and the moral climate of the war aided this purpose in two ways: first, it justified the most unspeakable crimes, so long as they were committed against “fascists,” german or otherwise; and it established the jews as a special class of victims, who had already suffered so much, poor dears, that whatever they did henceforth was to be forgiven by the gentiles. in france american forces began displacing the german army in the late summer of 1944. Wherever the americans took over, horrible massacres of french civilians were carried out by the “resistance” — massacres with which american troops were under orders from washington not to interfere, and in which the news media displayed an amazing lack of interest. An english journalist who spent the war in france and was an eyewitness to many of the events he later described, wrote:[12] there has never been, in the history of france, a bloodier period than that which followed the liberation of 1944-1945. The massacres of 1944 were no less savage than the massacres of the jacquerie, of st. Bartholomew, of the revolutionary terror, of the commune; and they were certainly more numerous and on a wider scale…. it is estimated that 20,000 persons lost their lives under the reign of terror; that 18,000 fell in the frightful butchery that followed the war and insurrection of 1870-1871. The american services put the figures of “summary executions” in france in the first months of the liberation at 80,000. A former french minister [adrien tixier] later placed the figure at 105,000. the armed gangs which committed these murders consisted not only of jews, of course, but also of gentiles: communists, gaullist reactionaries, and common criminals. But the propaganda which motivated them and which had been broadcast from french algeria since its capitulation to the allies in november 1942 was jewish in inspiration. The policy of giving the murder gangs free rein was also jewish, and it came directly from washington. For as long as france was under the control of allied troops, general elsenhower was responsible for the maintenance of law and order there. But the only law under eisenhower, from the time the german wehrmacht withdrew until a new french government was established, was the law of jewish vengeance. and in germany gi’s laughed as they watched starving german children rummage for scraps of food in the garbage behind u.S. Army mess halls — garbage which sometimes was laced with soap powder as a “joke.” The gi’s could purchase sexual favors from the mothers of those children for a chocolate bar or a can of condensed milk. morgenthau’s policies, rigorously enforced by eisenhower, resulted in a german civilian population so malnourished that 92 out of every 100 german babies born in the summer of 1945 died within 10 days. jewish “commandos” in u.S. Army uniforms went on murder rampages in berlin and other occupied cities. Equipped with captured lists of the home addresses of ss officers, national socialist political leaders, writers, artists, and others who had participated in alerting pre-war germany to the jewish menace or in breaking the jewish grip on german life, they went out night after night, unhindered by the military occupation authorities, to torture, rape, kill, and loot. even so, the barbarities which the hate-conditioned americans perpetrated — or permitted others to perpetrate without interference — were almost civilized beside the atrocities committed on the germans by america’s soviet allies. More than two million german civilians were killed after the war, in 1945 and 1946, during the expulsion of the german population from the parts of germany which roosevelt, stalin, and churchill had agreed would be taken from her and given to other countries.[13] eventually, of course, the exigencies of international power politics — in particular, of the developing “cold war” — thwarted those whose aim was the annihilation of the german people. But the jews had nevertheless made great gains for themselves by the war — and the greatest of these was not the killing off of their enemies in europe; it was what they had done to america. in mobilizing america to crush hitler for them, the jews had been forced to marshal their own resources as never before. By the end of the war their control of american public opinion was virtually total. Through their news and entertainment media, the jews could set fashion trends and change attitudes; they could introduce fads and shift mores; they could bring forth a great burst of public indignation against a new piece of legislation or a court ruling or a governmental policy, or they could squelch incipient opposition to it; they could make an idea or a man seem either noble or perfidious; they could fan the flames of war hysteria and jingoism, or they could promote pacifism; they could change embarrassing historical facts into “myths” and inconvenient documents into “forgeries”; or they could proclaim the most infamous lie as “truth” and get most of the people to swallow it whole. the jews had used this power to make americans their accomplices in the greatest crime of which history has any record. And once they became accomplices, americans thenceforth were obliged either to justify their collaboration with the jews or to admit to murder. thus, while the jews had had to work very hard to get americans into the mood to commit genocide on their german kinsmen in the first place, after the war it was relatively easy to keep the same americans convinced that their cause had been a good one. Not only were the jews’ means of persuasion stronger, but americans were readier than ever to be persuaded; they wanted to believe in the perfidy of the people they had killed and in the iniquity of the ideals and beliefs those people had held. americans were morally disarmed when jews began pushing forward their programs of racial “equality,” feminism, homosexual “rights,” unrestricted immigration, and the rest of the postwar programs designed to break down what was left of americans’ racial consciousness and sense of racial pride — all programs which hitler clearly would have opposed, and which, therefore, no right-thinking american could. and for the same reason it was easy for the jews to sell the american people on their version of the “holocaust”: the more blameless the jews were and the more atrociously they had been victimized by the wicked germans, the more justified the americans had been in killing the germans — and in sacrificing so many of their own lives doing it. americans have been so ready to swallow the “holocaust” story, in fact, that even today nearly every american schoolchild can parrot back the answer “six million,” when asked how many jews allegedly perished in the second world war; but not one citizen in 100 knows how many americans — their own fathers and grandfathers — died from saving the rest of the jews from hitler. source: national vanguard magazine (august, 1983) coming next, series conclusion the jews use their control over america in the postwar era. notes: 1 – this is the fourth article in a five-part series on the subject. The first part, beginning with biblical times, appeared in the december 1982 issue of national vanguard. 2 – germany must perish, theodore n. Kaufman, argyle press (newark, nj), 1941. 3 – it is unfortunate that kaufman’s suggestion that anti-war activists be “summarily dispatched” was not acted on during the vietnam war, when jewish “fifth columnists” were organizing anti-american demonstrations on every american college campus! the difference in the jewish attitudes toward dissenters in the two wars is revealing: during the second world war every jew was a “patriot,” and anyone who did not want to kill germans was subjected to such scorn by the controlled media that he was in danger of being killed himself, by a media-incited lynch mob. During the vietnam war, where jewish interests were not at stake, even those elements in the media which did not take an active stand against the war were overflowing with concern for the civil rights of those who did. 4 – ben hecht (1893-1964) wrote the scripts for 53 motion pictures between 1927 and 1964, including the books on which 23 of the films were based. He directed eight pictures and produced nine. Among his better-known films were wuthering heights (1939), spellbound (1945), and notorious (1946). He won academy awards for writing underworld (1927) and the scoundrel (1935). 5 – a guide for the bedevilled, ben hecht, charles scribner’s sons (new york), 1944. 6 – ibid., P. 142. 7 – germany is our problem: a plan for germany. Henry morgenthau jr., Harper & brothers (new york), 1945, p. Vii. 8 – the memoirs of cordell hull, macmillan co. (New york), 1948, pp. 207-208. 9 – ibid., P. 1606. 10 – ibid., P. 1614 11 – one american who did challenge jewish policies in postwar germany was george s. Patton, who, after establishing a wartime reputation as the “fightingest” general in the u.S. Army, had become military governor of the larger portion of the u.S. Occupation zone of germany. Patton was appalled by the policies he was expected to apply against the germans, and he spoke out repeatedly against the morgenthau plan. his diaries, published in 1974 (the patton papers, houghton mifflin co.), Reveal his feelings. In september 1945, for example, when ordered to evict german families from their homes and turn the buildings over to jews, patton commented in his diary: “evidently the virus started by morgenthau and baruch of a semitic revenge against all germans is still working.” The same month he wrote to his wife: “i am frankly opposed to this war-criminal stuff. It is not cricket and is semitic. I am also opposed to sending pow’s to work as slaves in foreign lands, where many will be starved to death.” In another letter to his wife he wrote: “if what we are doing [to the germans] is ‘liberty, then give me death.’ I can’t see how americans can sink so low. It is semitic, and i am sure of it.” the controlled media began attacking patton as “pro-nazi” and set up a howl for his replacement by someone who would enforce the policies of the morgenthau plan. The u.S. Commander-in-chief, general dwight eisenhower, already had political ambitions and he obliged the jews by firing patton. 12 – france: the tragic years, 1939-1947, sisley huddleston, devin-adair (new york), 1955, pp. 296, 299. 13 – the atrocities committed in territories not under american control might be considered irrelevant to the primary subject of this series — the history of the growth of jewish influence on american policy — except that they were made possible by the overall american war policy. Because most of them occurred behind what later came to be known as “the iron curtain,” western journalists and historians may offer the excuse that information about them has been restricted. Nevertheless, the information has long been available. There is, for example, the two-volume work by juergen thorwald, es begann an der weichsel and das ende an der elbe (a condensed english edition, published in 1951 by pantheon books, is titled flight in the winter), which describes in sickening detail the horrible fate of the german refugees fleeing the red army in 1945. Many of the gruesome atrocities committed on those who failed to flee are detailed in johannes kaps’s tragedy of silesia, 1945-46 (christ unterwegs, munich, 1952).
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    Ozarks Coca-Cola encourages students to apply for scholarships
    Posted on Wednesday, September 23 @ 00:02:13 PDT (12 reads)
    College Guide Ozarks coca-cola/dr pepper bottling company is encouraging area students to apply for two scholarship opportunities available this fall: the coca-cola scholars program and the dr pepper tuition giveaway. the coca-cola scholars program is accepting applications for the class of 2027. Through the program, 150 high school seniors from across the country will receive $20,000 college scholarships. eligible applicants must be current high school seniors with at least a 3.0 grade point average and must demonstrate leadership, service and a commitment to making a positive impact in their schools and communities. applications for the coca-cola scholars program will be accepted through 4 p.M. Sept. 30 at coca-colascholarsfoundation.Org. ozarks coca-cola/dr pepper also has partnered with dr pepper to offer the dr pepper tuition giveaway, which will award 10 area scholarships of $1,000 each. Scholarship funds may be used for tuition, existing student loans or gifted to another student pursuing higher education. students can enter through oct. 31 by scanning qr codes on in-store displays where dr pepper products are sold. Winners will be selected in a drawing nov. 2. “ozarks coca-cola/dr pepper bottling company has been supporting education for generations. Education opens doors to opportunity, and we are proud to support students who are working hard to achieve their goals,” said wren hall, vice president of public affairs and communication. “Whether through the nationally recognized coca-cola scholars program or our local partnership with dr pepper, we’re excited to help invest in the next generation of leaders.” students, parents, educators and school counselors are encouraged to share the opportunities and submit applications before the deadlines. ozarks coca-cola/dr pepper bottling company is a fourth-generation, family-owned bottler founded by the rice family in 1920. Coca-cola and dr pepper products are manufactured in springfield, with sales and distribution branches in springfield, bolivar, joplin, rolla, west plains and northwest arkansas.
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    The Fall of Catholic Colleges
    Posted on Wednesday, September 23 @ 00:02:13 PDT (10 reads)
    College Guide The fall of catholic colleges catholic colleges that have largely given up their catholic identity are finding that they cant compete with their secular counterparts. september 23, 2026 idropped my youngest son off august 22 as a freshman at rochester institute of technology. I couldn’t help reflecting that—almost to the day—49 years earlier i started as a freshman at st. Mary’s college in orchard lake, michigan. the difference is that i suspect rit will be around in 49 years. Orchard lake st. Mary’s (olsm) isn’t. I guess that happens when your graduating class was about 40. one of the things i discovered at olsm was that i wanted to teach—and do that in higher education. My first job was as an assistant professor of theology at st. John’s university in new york. Most people know the main campus in queens. Fewer know there was a staten island campus, created from a smaller catholic college about to go belly-up. cardinal cooke, not wanting to lose an institution of higher education in the archdiocese, got the vincentians to take over. St. John’s staten island catered, in large part, to first-generation-college catholic kids from the island and brooklyn. In my day, st. John’s staten island had about 2,000 students. the vincentians seemed to have a cost-proof scheme going: no dorms, no food service except a lunch cafeteria, classes from 8 a.M. To 10 p.M. Pack 50 kids in a class and have faculty teach four classes (but never exceed 208 students, lest you had to pay a supplement). Make sure you pay the con ed bill for light and heat and you could make a go of it. st. John’s staten island closed in 2024. the primary reason was demographic: enrollment cratered, falling to about 800-900. Covid had something to do with it, but i suspect contraception even more. American fertility fell below replacement level in 2008; kids that should have been born that year would be college freshmen this year. the people who study higher education have identified four factors that question an institution’s viability: enrollment, costs, changing attitudes toward tertiary schooling, and ai. obviously, enrollment is the big one: a school exists for students; and if the students aren’t filling the seats, there won’t be a school. Public schools, from grade to grad school, enjoy some insulation: they can always run to the taxpayer to keep the lights on. But private higher education—and that includes catholic higher education—doesn’t have that luxury. Our schools are tuition-dependent, i.E., They need students paying tuition. And the kids not born in 2008 and afterward aren’t in english 101 this month. because our schools are tuition-dependent, they will be more expensive than their state counterparts. If we offered a better product that people recognized to be a better product, that might compensate. But a lot of schools have grown fat and lazy since the time i went to college—in the decade the u.S. Government got into the student loan business. If students could get money, there were fewer incentives to contain costs, especially when a higher price might suggest a better school. and, let’s be honest, the collapse of vocations and the departure of clergy and religious from teaching did not just affect grade schools: it sapped college staffing. When i started grad school at fordham in 1981, there were about 50,000 jesuits worldwide, and most of my theology department was staffed by them. Today, the society scratches about 15,000, and jesuits are a minority in the theology department. catholics also got used to running schools on the cheap, thinking that education doesn’t cost and faculty don’t need to be paid. When clerical and religious faculty were replaced by laity, salary costs had to go up. I can’t pay rit tuition on a priestly stipend! finally, young people are beginning to ask whether college is a worthwhile investment given the dicey job market many face post-graduation. And let’s face the truth for catholic colleges and universities: are they catholic enough to be worth the price? The catholic family that doesn’t really think religion to be an important element of higher education will probably ignore the mission dimension. But young catholics serious about their faith—and that is an important market niche—can rightly ask whether the additional thousands are worth an elderly nun in a pants suit offering some anodyne prayer at graduation on the campus where catholic identity otherwise needs to be searched for under bushel baskets. finally, the higher education researchers note a phenomenon whose impact is still unknown: ai. To what degree will ai decimate the need for education that hitherto required years of acquisition? And will its impact be particularly disproportionate on entry-levels jobs that give new graduates their segue to the employment market? one website named 240 colleges and universities whose financial variables are such that they might be on the chopping block in the next decade. My cursory look at that list spotted about 50 catholic institutions. If you look at the membership roster of the association of catholic colleges and universities, it is just shy of 200. Are we potentially facing a grim reaping of a quarter of catholic higher education? i hope not. But i have to ask about the writing on the wall. catholic colleges were just one part of the great catholic infrastructure that an earlier generation of “brick and mortar” catholic leaders (including bishops like spellman, cushing, and cody) built. It’s an infrastructure that included catholic colleges, high schools (parochial high schools are practically nonexistent), grade schools (often consolidated or even diocesan), hospitals (often partnered with entities not sharing our bioethical commitments), and, of course, parishes. that catholic leaders—including bishops—call this great culling “renewal” suggests there are plenty of orwell-like talents that could compete with george. And catholics have a right to ask what is becoming of our material culture and heritage—including our colleges and universities. this article was originally published on crisis magazine. john m. Grondelski (ph.D., Fordham) is a former associate dean of the school of theology, seton hall university, south orange, new jersey. All views expressed herein are his own. -- copyright © crisis magazine
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    Finding a balance: Working as a full-time student
    Posted on Wednesday, September 23 @ 00:02:13 PDT (11 reads)
    College Guide College students face a range of daily pressures, from academic demands to financial concerns and balancing school with work. one out of every three students works part-time at iowa state. There are plenty of struggles students face during their four years of undergrad. “working while also doing school is simultaneously terrible and amazing,” ashlyn mcdougall, a senior studying journalism, fashion design and merchandising, said. “[Sometimes] you feel great because you’re covering your own finances, but also moments where you envy those who have the opportunity not to work and instead can focus on their studies.” there are multiple reasons why college students work while in pursuit of their degree. Common reasons for employment are paying for tuition, student loans, bills, food, rent and leisure money. The students interviewed reported working 20 hours to 30 hours a week, and said that they struggle to find time to do the things they enjoy. working more than 10 hours to 15 hours a week can increase stress, while working less than 10 hours a week can positively reflect on academic performance. Students are recommended to work 10 hours a week in order to have a proper balance between school and work. However, students often struggle financially when working under 20 hours a week. “i’m not having enough time to do the things i want to do,” bianca tiller, a second-year student studying interior design, said. “School and work are big priorities, but things like going to the gym or getting your homework done, it’s very hard to find the time to do personal things.” for these students, they answer to two different kinds of authority. College students are held to a high standard as they are adults in their workplace, while also being treated as adults in their classrooms. With these expectations on students, it is easy for them to neglect their own needs as they are expected to perform their best in both work and school. “the biggest difficulty for me is the fact that others, including [professors, managers and bosses] don’t consider the sheer amount of time i have to dedicate to each task,” kieara schlick, a third-year student studying anthropology, said. “It makes work, school and home life simply unmanageable – that’s not including ailments i already have to prioritize in order to survive.”
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    Founders Weekend
    Posted on Wednesday, September 23 @ 00:02:13 PDT (10 reads)
    College Guide Skip to main content browse by: topic search arts athletics/recreation business global duke civic engagement/social action climate diversity/inclusion energy engineering entrepreneurship ethics health/wellness humanities law medicine natural sciences politics religious/spiritual research social sciences sustainability teaching & classroom learning technology university events type search academic calendar dates africa focus alumni/reunion announcement artificial intelligence asia focus athletics/intramurals/recreation athletics/varsity sports/combined athletics/varsity sports/men athletics/varsity sports/women book signing brown bag canada focus caribbean focus centennial central america focus ceremony charity/fundraising china focus comedy commencement competition/contest concert/music conference/symposium dance performance duke/arts europe focus excursion exhibit family weekend festival/fair founders day free food and beverages giveaways global holiday human rights 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(Sigmas, pbs) physics graduate student organization (pgso) precision step team project heal: health education and awareness in latin america prospective health care club (phcc) psi upsilon (psi u) public policy majors union (ppsmu) rince diabhal: irish dance and culture club roadrunners running club roots & shoots rotaract club of duke university round table (rt) runway of dreams sabrosura seds sherwood house shire housesigma gamma rho sorority, inc sigma phi epsilon fraternity (sigep) skylar house small town records (str) smart home society for advancement of hispanics/chicanos and native americans in science-duke sacnas society of american foresters (saf) society of women engineers (swe) something borrowed something blue sophomore class council special olympics college (so) - duke students of the caribbean association student national medical association (snma) substance free house taiwanese student association (tsa) tau beta pi (tbp) tedxduke the alexander hamilton society the archive the chanticleer the chronicle the duke alt protein project the duke entrepreneur (tde) the hub the other the pitchforks turkish students association ubuntu ubuntu house undergraduate publications board (upb) united in praise (up) universities allied for essential medicines (uaem) vertices journal of science and technology vision for north korea (vnk) wayne manor (wm) wellness community wellness community house windsor house westminster fellowship at duke (wpf) wilderness outdoor opportunities for durham students (woods) womens housing option (who) women in science and engineering (wise) womyn working group for environment in latin america (wgela) wxdu zeta phi beta sorority, inc. (Zetas, zphib) [adopt a grandparent (aag), alpha kappa alpha sorority, inc. (Aka), alpha kappa delta phi sorority, inc. (Akdphi), alpha phi alpha fraternity, inc. (Alphas, apa), alpha phi omega - lambda nu chapter (apo), amandla chorus, american institute of aeronautics and astronautics (aiaa), amnesty international (amnesty), arts theme house (ath), asian students association (asa), avalon house, baldwin scholars house, bastille house, bel air house, bench and bar pre-law society (bench and bar), big brothers big sisters at duke (bbbs), black and latino mba organization at fuqua, black cultural living group house, black graduate and professional student association (bgpsa), black pre-law association (blpa), black student alliance (bsa), blue devils united (bd united), blue devils versus cancer (bdvc), blue ridge house, brownstone, buddhist community at duke (bcd), building tomorrow (bt), cambridge christian fellowship (ccf), camp kesem north carolina (cknc), campus concert series (ccs), campus crusade for christ (cru), center for race relations (crr), chabad student group (chabad), challah for hunger at duke, christian medical & dental association (cmda), circle k international (cki), coalition for preserving memory (cpm), cooper house, crazies who care (cwc), cuban american student association (casa), decolonize dismantle & redesign student working group (ddr), defining movement dance group (defmo), delta kappa epsilon (dke), delta sigma theta sorority (deltas, dst), desarrolla, devils after dark, devils en pointe, duhatch student business incubator, duke africa, duke african graduate and professional students association, duke association for business oriented women (bow), duke association for greater gaming education and recreation (dagger), duke black law students association, duke bold (building outdoor leaders and doers), duke business society (dbs), duke china care (dcc), duke chinese dance troupe (dcd), duke chinese students and scholars association (dcssa), duke climate coalition, duke college republicans (college republicans), duke community television (cable 13), duke consulting club, duke conservation tech, duke cyber, duke dance council, duke democrats, duke east asia nexus (dean), duke energy club (dec), duke engineers for international development (deid), duke ethiopian/eritrean student transnational association, duke fashion exchange, duke fly club, duke friends of israel (dfi), duke german club, duke global brigades, duke graduate & professional habitat for humanity, duke graduate finance club, duke habitat for humanity (duke habitat), duke health occupations students of america (hosa), duke healthcare policy forum (dhp forum), duke history union, duke hyperloop, duke ihi open school, duke independent film festival (diff), duke interdisciplinary student innovators (disi), duke international relations association (dira), duke intervarsity christian fellowship (iv), duke israel public affairs committee (dipac), duke jewish student union (jsu), duke kunshan student ambassador council, duke marketing club, duke mba armed forces association (dafa), duke mba net impact club, duke med elementary, duke men’s project, duke mock trial, duke net impact undergrad (netimpact), duke optical student chapter, duke partnership for service (dps), duke paws, duke persian students association (psa), duke political science students association (dpssa), duke pre-physical therapy association (dppta), duke quidditch, duke rare disease coalition, duke real estate club, duke red cross, duke relay for life, duke seniors, duke science olympiad, duke scouting association (dsa), duke simple charity, duke south asian students association (duke diya), duke southeast asian students association, duke splash, duke sports management conference, duke start-up challenge (dsc), duke stories for nature and people (snap), duke students against gender violence, duke students demand action, duke student broadcasting, duke student government (dsg), duke student veterans association (duke vets), duke students for humane borders (dshb), duke student veterans association (duke vets), duke sustainability board, duke swing dancing club (duke swing), duke undergraduate machine learning, duke university greening initiative (dugi), duke university hawaii club (duhi), duke university honor council (duhc), duke university improv (dui), duke university mens crew (dmc), duke university school of nursing student council (duson student council), duke university stand-up troupe, duke university student dining advisory committee (dusdac), duke university union (duu), duke university union visual arts committee (duu visarts), duke venture capital club, duke venture forward, duke voices for interfaith action, duke water network, duke wesley fellowship (wesley), duke womens mentoring network (wmn), duke writers collective (dwc), dukefish, dukeout, duson student organizations, duu joe college day (joeco), duu major attractions (duu ma), duu special projects, east campus council (ecc), economics student union (esu), engineering business society (ebs), engineering graduate student council (egsc), engineering student government (esg), engineers without borders - duke university chapter (ewb-duke), environmental alliance (ea), episcopal center at duke, eruditio, evolutionary anthropology majors union (evanth majors union), farmhand, farquaad house, fellowship of christian athletes (fca), females excelling more in math, engineering and science (femmes), freewater presentations, freewater productions, froshlife, foundation for the international medical relief of children (fimrc), fuqua entrepreneurship and venture capital club (evcc), fusion house, gates house, genome research & education society, global health forum (global health action committee), globemed, graduate and professional student council (gpsc), graduate and professional womens network (gpwn), graduate christian fellowship (gcf), graduate students association of iranians at duke, graduate to undergraduate student tutoring, griffin house, hart house, hazing prevention coalition, healthy devils peer educators, hear at duke, hindu students association, hoof n horn (hnh), hun house, incube house, inside joke, institute of electrical and electronics engineers (ieee) - duke student branch, interfraternity council (ifc), international association (ia), international christian fellowship (icf), international justice mission (ijm), intervarsity christian fellowship, j street u, jam house, japanese culture club, jewish graduate and professional student association, joint youth organization of indians at duke (jyoti), juhood magazine, kappa alpha psi fraternity, inc. (Kappas, ka psi), khaya house, kilgo quad council, know your status (kys), korean undergraduate student association (kusa), lady blue, lambda phi epsilon fraternity, inc. (Lphie), lambda theta alpha latin sorority, inc. (Lta), language theme house (langdorm), latent image, latin american student organization, live entertainment / broadway (liveent), marquis house, materials research society at duke, maxwell house, me too monologues (mtm), mi gente, minority association for pre-medical students (maps), mirecourt, momentum dance company, montauk house, mt. Olympus house, multicultural greek council (mgc), mundi house, muslim students association (msa), nasher student advisory board (nsab), national pan-hellenic council (nphc), national society of black engineers (nsbe), native american student alliance (nasa), neurocare, nexus house, nicholas school student council, nourish international (nourish), omega psi phi fraternity, inc. (Omegas, ques), on tap, out of the blue (ootb), oz house, panhellenic association (panhel), passport magazine, phi beta sigma fraternity, inc. (Sigmas, pbs), physics graduate student organization (pgso), precision step team, project heal: health education and awareness in latin america, prospective health care club (phcc), psi upsilon (psi u), public policy majors union (ppsmu), rince diabhal: irish dance and culture club, roadrunners running club, roots & shoots, rotaract club of duke university, round table (rt), runway of dreams, sabrosura, seds, sherwood house, shire housesigma gamma rho sorority, inc, sigma phi epsilon fraternity (sigep), skylar house, small town records (str), smart home, society for advancement of hispanics/chicanos and native americans in science-duke sacnas, society of american foresters (saf), society of women engineers (swe), something borrowed something blue, sophomore class council, special olympics college (so) - duke, students of the caribbean association, student national medical association (snma), substance free house, taiwanese student association (tsa), tau beta pi (tbp), tedxduke, the alexander hamilton society, the archive, the chanticleer, the chronicle, the duke alt protein project, the duke entrepreneur (tde), the hub, the other, the pitchforks, turkish students association, ubuntu, ubuntu house, undergraduate publications board (upb), united in praise (up), universities allied for essential medicines (uaem), vertices journal of science and technology, vision for north korea (vnk), wayne manor (wm), wellness community, wellness community house, windsor house, westminster fellowship at duke (wpf), wilderness outdoor opportunities for durham students (woods), womens housing option (who), women in science and engineering (wise), womyn, working group for environment in latin america (wgela), wxdu, zeta phi beta sorority, inc. (Zetas, zphib)] todays events manual mobile search manual search founders weekend thursday, september 24, 2026 all day sponsor(s): registrars office founders weekend. Classes are held thursday and friday and calendar search january february march april may june july august september october november december 01 02 03 04 05 06 07 08 09 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 2011 location search filter calendar administration: login to manage account -or- request an account if new
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    Bangladesh Govt working to make agriculture sector self-reliant: Agriculture Min
    Posted on Wednesday, September 23 @ 00:02:13 PDT (10 reads)
    College Guide Bangladesh govt working to make agriculture sector self-reliant: agriculture minister usanewsonline.Com desk — fisheries, livestock and agriculture minister mohammed aminur rashid today said the government is working to make the country’s agriculture sector self-reliant. he said around 70 percent of the population depends directly or indirectly on agriculture, adding that a strong agricultural sector is essential for a strong national economy. Bss the minister made the remarks while speaking as chief guest at a ‘farmer card’ distribution programme, at the bibir bazar high school and college ground in cumilla sadar adarsha upazila. he said the introduction of ‘farmer card’ would help eliminate the role of middlemen in agricultural marketing, ensuring fair prices for farmers. under the initiative, small, marginal and landless farmers will receive tk 2,500 in incentives, which they can use to purchase fertiliser, seeds, pesticides and other agricultural inputs. on agricultural modernisation, the minister said the government is providing machinery to farmers at 50-70 percent subsidy, which will also be facilitated through the farmer card system. he added that agricultural loans and insurance facilities would also be made available through the card. the minister further said the government has a plan to expand solar-powered irrigation pumps across the country. Farmers with ‘farmer card’ will receive these facilities through cooperatives, he added, saying the integrated initiatives would help make agriculture self-reliant. after the programme, the minister inaugurated an agricultural fair set up adjacent to the venue and visited stalls of various departments and agencies under the ministry of agriculture. cumilla district commissioner md reza hasan presided over the event. haji jasim uddin mp, atikul alam shawon mp, cumilla city corporation administrator yusuf molla tipu, district council administrator mostak mia, agriculture secretary dr rafiqul e mohame, and secretary of the ministry of fisheries and livestock md delwar hossain, among others, attended the event. Photo: pid
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