NOT FOR REPRINT
Page Printed from: cutimes.com/author/profile/bernice-napach/?page=4
About The Author
CONNECT WITH THIS AUTHOR
July 03, 2019
They are the first generation with career-long access to DC plans, but they're in worse shape financially than previous generations.
June 18, 2019
The bill by Democrats in the House and Senate would eliminate up to $50,000 in student loan debt for 42 million Americans.
June 10, 2019
Sen. Ron Wyden's College Admissions Fairness Act targets the tax deductibility of family donations to colleges.
May 23, 2019
A correction of this unintended consequence of the 2017 tax cut bill is included the Secure Act, up for a vote this week.
May 17, 2019
The lower loans rates are in line with the decline in 10-year Treasury rates.
May 14, 2019
Both are expected to increase at roughly three times the median inflation rate over the next 12 months.
April 23, 2019
A Merrill/Age Wave study found that young adults struggle more than previous generations did to become financially independent.
April 16, 2019
This benefit could provide a payoff for employers as well as employees.
April 03, 2019
The proliferation of state plans illustrates the need for a national plan, according to retirement lobbyist Brian Graff.
March 15, 2019
There is no shortage of recommendations, according to a hearing at the House Committee on Education and Labor.
{
"author": {
"name": "Bernice Napach",
"webUrl": "/author/profile/bernice-napach/",
"description": "",
"imageLarge": "https://secure.gravatar.com/avatar/f16d6fc2845f417ea0e93a3f2b6cd37d?s=136&d=mm&r=g",
"estimate": 71,
"social": [],
"articles": [
{
"uri": "/2019/07/03/gen-xers-are-falling-behind-financially-ebri-413-159705/",
"title": "Gen Xers Are Falling Behind Financially: EBRI",
"byline": "Bernice Napach",
"kicker": "Analysis",
"prettyDate": "July 03, 2019",
"timeToRead": "3 minute",
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/07/Business_Man_Tired_Worried_Confused_MI.jpg",
"width": "616",
"height": "372"
},
"authors": [
{
"webUrl": "/author/profile/bernice-napach/",
"name": "Bernice Napach"
}
],
"kickerNode": [
{
"uri": "/analysis/",
"sectionName": "Analysis"
}
],
"summary": "They are the first generation with career-long access to DC plans, but they're in worse shape financially than previous generations.",
"body": null
},
{
"uri": "/2019/06/18/warren-bill-to-forgive-student-loan-debt-coming-soon-413-159281/",
"title": "Warren Bill to Forgive Student Loan Debt Coming Soon",
"byline": "Bernice Napach",
"kicker": "News",
"prettyDate": "June 18, 2019",
"timeToRead": "4 minute",
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/06/Warren.jpg",
"width": "2000",
"height": "1335"
},
"authors": [
{
"webUrl": "/author/profile/bernice-napach/",
"name": "Bernice Napach"
}
],
"kickerNode": [
{
"uri": "/news/",
"sectionName": "News"
}
],
"summary": "The bill by Democrats in the House and Senate would eliminate up to $50,000 in student loan debt for 42 million Americans.",
"body": null
},
{
"uri": "/2019/06/10/bill-aims-to-reduce-role-of-money-in-college-admissions-413-159024/",
"title": "Bill Aims to Reduce Role of Money in College Admissions",
"byline": "Bernice Napach",
"kicker": "News",
"prettyDate": "June 10, 2019",
"timeToRead": "3 minute",
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/06/Wyden_Ron_AP_MI600.jpg",
"width": "600",
"height": "338"
},
"authors": [
{
"webUrl": "/author/profile/bernice-napach/",
"name": "Bernice Napach"
}
],
"kickerNode": [
{
"uri": "/news/",
"sectionName": "News"
}
],
"summary": "Sen. Ron Wyden's College Admissions Fairness Act targets the tax deductibility of family donations to colleges.",
"body": null
},
{
"uri": "/2019/05/23/surprise-a-dramatic-tax-increase-for-college-students-on-scholarship-413-158591/",
"title": "Surprise! A Dramatic Tax Increase for College Students on Scholarship",
"byline": "Bernice Napach",
"kicker": "Analysis",
"prettyDate": "May 23, 2019",
"timeToRead": "3 minute",
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/05/College_Grad_Sad_MI600.jpg",
"width": "600",
"height": "338"
},
"authors": [
{
"webUrl": "/author/profile/bernice-napach/",
"name": "Bernice Napach"
}
],
"kickerNode": [
{
"uri": "/analysis/",
"sectionName": "Analysis"
}
],
"summary": "A correction of this unintended consequence of the 2017 tax cut bill is included the Secure Act, up for a vote this week.",
"body": null
},
{
"uri": "/2019/05/17/student-loan-rates-set-to-drop-for-the-first-time-in-3-years-413-158484/",
"title": "Student Loan Rates Set to Drop for the First Time in 3 Years",
"byline": "Bernice Napach",
"kicker": "Analysis",
"prettyDate": "May 17, 2019",
"timeToRead": "2 minute",
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/05/03_College_Graduation_Cap_Money_MI.jpg",
"width": "616",
"height": "372"
},
"authors": [
{
"webUrl": "/author/profile/bernice-napach/",
"name": "Bernice Napach"
}
],
"kickerNode": [
{
"uri": "/analysis/",
"sectionName": "Analysis"
}
],
"summary": "The lower loans rates are in line with the decline in 10-year Treasury rates.",
"body": null
},
{
"uri": "/2019/05/14/consumers-expect-big-increases-in-college-and-health-care-costs-413-158435/",
"title": "Consumers Expect Big Increases in College & Health Care Costs",
"byline": "Bernice Napach",
"kicker": "Analysis",
"prettyDate": "May 14, 2019",
"timeToRead": "2 minute",
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/05/Inflation_Numbers_Arrows_MI600.jpg",
"width": "600",
"height": "338"
},
"authors": [
{
"webUrl": "/author/profile/bernice-napach/",
"name": "Bernice Napach"
}
],
"kickerNode": [
{
"uri": "/analysis/",
"sectionName": "Analysis"
}
],
"summary": "Both are expected to increase at roughly three times the median inflation rate over the next 12 months.",
"body": null
},
{
"uri": "/2019/04/23/young-adults-struggle-to-achieve-financial-independence-study-413-157721/",
"title": "Parental Support Past Age 25 Is the New Normal: Study",
"byline": "Bernice Napach",
"kicker": "Analysis",
"prettyDate": "April 23, 2019",
"timeToRead": "4 minute",
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/04/Worried_Woman_Bills_MI500.jpg",
"width": "500",
"height": "281"
},
"authors": [
{
"webUrl": "/author/profile/bernice-napach/",
"name": "Bernice Napach"
}
],
"kickerNode": [
{
"uri": "/analysis/",
"sectionName": "Analysis"
}
],
"summary": "A Merrill/Age Wave study found that young adults struggle more than previous generations did to become financially independent.",
"body": null
},
{
"uri": "/2019/04/16/more-companies-offering-student-loan-repayment-benefits-413-157563/",
"title": "More Organizations Offering Student Loan Repayment Benefits",
"byline": "Bernice Napach",
"kicker": "News",
"prettyDate": "April 16, 2019",
"timeToRead": "3 minute",
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/04/07_woman-with-calculator-money-manager_MI.jpg",
"width": "616",
"height": "372"
},
"authors": [
{
"webUrl": "/author/profile/bernice-napach/",
"name": "Bernice Napach"
}
],
"kickerNode": [
{
"uri": "/news/",
"sectionName": "News"
}
],
"summary": "This benefit could provide a payoff for employers as well as employees.",
"body": null
},
{
"uri": "/2019/04/03/new-jersey-creates-auto-ira-program-413-157181/",
"title": "New Jersey Creates Auto-IRA Program",
"byline": "Bernice Napach",
"kicker": "",
"prettyDate": "April 03, 2019",
"timeToRead": "4 minute",
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/04/Retirement_Sign_shutter_MI.jpg",
"width": "616",
"height": "372"
},
"authors": [
{
"webUrl": "/author/profile/bernice-napach/",
"name": "Bernice Napach"
}
],
"kickerNode": [],
"summary": "The proliferation of state plans illustrates the need for a national plan, according to retirement lobbyist Brian Graff.",
"body": null
},
{
"uri": "/2019/03/15/how-to-reduce-student-debt-and-increase-college-affordability-413-156634/",
"title": "How to Reduce Student Debt & Increase College Affordability",
"byline": "Bernice Napach",
"kicker": "",
"prettyDate": "March 15, 2019",
"timeToRead": "5 minute",
"image": {
"uri": "https://images.cutimes.com/contrib/content/uploads/sites/413/2019/03/Businessman_Ball_Chain_MI600.jpg",
"width": "600",
"height": "338"
},
"authors": [
{
"webUrl": "/author/profile/bernice-napach/",
"name": "Bernice Napach"
}
],
"kickerNode": [],
"summary": "There is no shortage of recommendations, according to a hearing at the House Committee on Education and Labor.",
"body": null
}
]
}
}
Trending Stories
- 1Man Allegedly Deposits $7 Million in Stolen U.S. Treasury Checks at Credit Unions
- 2Top 10 Credit Unions: Earnings Rise From Q4 to Q1
- 3Everwise CU Names Seven New Leaders, SRP FCU Promotes Two
- 4Conspirator From Gang of Eight Admits to Targeting Credit Union Shared Branching Network
- 5TDECU Signs Definitive Agreement to Acquire Sabine State Bank and Trust
Resources
Elan Credit Card
From Elan Credit Card
A credit union’s ability to deliver the right products and services that best meet members’ daily needs is the most important factor in creating a superior member experience.
Download Resource
Elan Credit Card
From Elan Credit Card
Social media scams, phishing, and telephone-oriented attack delivery are a few of the increasingly sophisticated attack methods by cybercriminals. Learn more about these evolving techniques and how to protect your members.
Download Resource
Alogent
From Alogent
Download this white paper and learn how to achieve a consistent user experience, data control, and cost reductions in payments.
Download Resource
Alogent
From Alogent
This info brief outlines important considerations and questions your team should take into account when evaluating a digital banking platform.
Download Resource
Alogent
From Alogent
Download this white paper and learn how a software development kit (SDK) can help you meet your credit union’s digital banking goals by enabling custom alterations and augmenting an off-the-shelf product to meet specific goals without impacting the base product.
Download Resource
Alogent
From Alogent
Download this white paper and learn how to achieve a consistent user experience, data control, and cost reductions in payments.
Download Resource
Alogent
From Alogent
Credit unions have reached a fork in the road and find themselves pondering the same question -- does our digital banking solution still meet market needs, or is it time to consider an upgrade? Download this eBook to find out how your credit union can continue to meet member expectations.
Download Resource
Alogent
From Alogent
Just as you’d recognize a loyal member when they walk into the branch, your digital banking platform should express the same familiarity as a friendly face. Download this eBook and learn how to bring a human touch to your digital member experiences in order to build member trust and loyalty.
Download Resource
Alogent
From Alogent
Everyone talks about a seamless user journey and personalized banking services, but how does that become today’s reality for credit unions rather than just a goal? Download this white paper to find out how.
Download Resource
Alogent
From Alogent
When selecting a digital banking platform, the questions you ask are critical and should tell your story. Many RFPs focus on features, functionality, and price, and although these are important points, consider asking more focused questions that align with your long-term strategy, such as the ones suggested in this white paper.
Download Resource
Melissa
From Melissa
Did you know the risk for member turnover drops from 50% to 25% when a member has two or more products with your credit union?² This whitepaper outlines the critical role that clean data plays in helping your credit union retain and grow membership.
Download Resource
GLIA
From GLIA
When it comes to your credit union’s contact center, Intelligent Virtual Assistants (IVAs) are essential but incomplete solutions for managing volume. Discover how to integrate IVAs into a broader digital member service strategy for maximum efficiency.
Download Resource
Alacriti
From Alacriti
Tap into the potential of real-time payments for small and medium-sized businesses (SMBs) and corporations. Discover insights and strategies on adoption rates, and opportunities for your credit union in this comprehensive report.
Download Resource
Alacriti
From Alacriti
Electronic Bill Presentment and Payment (EBPP) offers credit unions a number of benefits. Discover how to enhance member satisfaction, streamline payment processes, and more in this webinar brief.
Download Resource
GLIA
From GLIA
These unmistakable signs indicate your credit union’s call center needs a modern overhaul. Stay ahead of the curve and elevate your member service experience today.
Download Resource
Alacriti
From Alacriti
Is your organization looking toward real-time payments to modernize your services? This brief discusses technology enablers for real-time payments, clearing rules and message specifications, and customer support challenges in a real-time environment.
Download Resource
Mortgage Capital Trading
From Mortgage Capital Trading
Unlock the potential for your credit union members by optimizing your investor set. Learn how to maximize profitability, offer better rates, and enhance your market share.
Download Resource
Brightwell
From Brightwell
Discover how Dash Solutions and Brightwell collaborated to revolutionize cross-border payments for rural workers using the Dash mobile app. Read the case study now!
Download Resource
Elan Credit Card
From Elan Credit Card
Does the value outweigh the risk? Review three key considerations when evaluating whether to invest in growing an internal credit card program or explore an outsourced solution.
Download Resource
Upstart
From Upstart
Explore how a credit union strategically adapted to economic changes, achieving higher returns, flexible loan volumes, and gaining over 1,500 creditworthy members in just one year through a transformative partnership.
Download Resource
Greenlight
From Greenlight
Amidst a shifting financial landscape, it’s never been more important to retain members and attract the next generation of customers. In this white paper, discover how offering family-centric financial education can empower parents to raise financially literate kids, fostering loyalty and growth for your credit union.
Download Resource
Brightwell
From Brightwell
Explore the intricacies of credit card fraud with this comprehensive article. Learn about the varying types of fraud attacks and scams, their unique challenges, and multi-layered approaches to protect your credit union and members.
Download Resource
Melissa
From Melissa
Many credit unions are in need of an improved onboarding process for their members as current processes are time-consuming, manual and lead to losing potential members. Learn how one credit union was able to quickly implement a solution that satisfies their compliance checks while verifying and approving customer submissions in seconds.
Download Resource
Alkami
From Alkami
In 2024, the financial industry is clearly facing a radical transformation, and these challenges are altering the landscape as we know it. This playbook explores the opportunities and challenges that lie ahead for credit unions and the financial industry. Use it as a guide to gain a competitive edge in this new landscape.
Download Resource
Mortgage Capital Trading
From Mortgage Capital Trading
2024 is in full swing and experts are here to inform, predict and guide you through all of your most pressing 2024 housing market questions. This whitepaper will help you gain clarity and clear up future predictions in regard to the most important topics in the housing market right now.
Download Resource
Elan Credit Card
From Elan Credit Card
Learn where consumers are applying for credit cards, what type of spenders they are, what features are most persuasive, and what smaller financial institutions should focus on to continue expanding their market share.
Download Resource
Upstart
From Upstart
When Vantage West CU decided to prioritize a seamless digital experience and data-driven lending decisions, they knew the right partner was critical. Download this case study and discover how they diversified their loan portfolio, acquired 1400 new members in 6 months, and built in flexibility to withstand the economic cycles.
Download Resource
Elan Credit Card
From Elan Credit Card
Customer payment expectations are shifting. Explore the top five merchant payments trends we’re watching in 2023 and learn how a partnership may help meet the needs of your members.
Download Resource
Elan Credit Card
From Elan Credit Card
Nearly 33% of cardholders increased their credit card spending over the last six months, showing how critical credit cards are in today's economic environment.
Download Resource
Elan Credit Card
From Elan Credit Card
Young adults are the future of your credit union. From college to home-buying, learn why credit cards are key to winning the loyalty of Gen Z and millennials.
Download Resource
Elan Credit Card
From Elan Credit Card
With the current economic environment and rise in interest rates, credit unions may find the credit card market increasingly complex to operate internally. Learn why shifting from insourcing to outsourcing your credit card program can benefit your credit union.
Download Resource Elan Credit Card
From Elan Credit Card
A credit union’s ability to deliver the right products and services that best meet members’ daily needs is the most important factor in creating a superior member experience.
Download Resource Elan Credit Card
From Elan Credit Card
Social media scams, phishing, and telephone-oriented attack delivery are a few of the increasingly sophisticated attack methods by cybercriminals. Learn more about these evolving techniques and how to protect your members.
Download Resource Alogent
From Alogent
Download this white paper and learn how to achieve a consistent user experience, data control, and cost reductions in payments.
Download Resource Alogent
From Alogent
This info brief outlines important considerations and questions your team should take into account when evaluating a digital banking platform.
Download Resource Alogent
From Alogent
Download this white paper and learn how a software development kit (SDK) can help you meet your credit union’s digital banking goals by enabling custom alterations and augmenting an off-the-shelf product to meet specific goals without impacting the base product.
Download Resource Alogent
From Alogent
Download this white paper and learn how to achieve a consistent user experience, data control, and cost reductions in payments.
Download Resource Alogent
From Alogent
Credit unions have reached a fork in the road and find themselves pondering the same question -- does our digital banking solution still meet market needs, or is it time to consider an upgrade? Download this eBook to find out how your credit union can continue to meet member expectations.
Download Resource Alogent
From Alogent
Just as you’d recognize a loyal member when they walk into the branch, your digital banking platform should express the same familiarity as a friendly face. Download this eBook and learn how to bring a human touch to your digital member experiences in order to build member trust and loyalty.
Download Resource Alogent
From Alogent
Everyone talks about a seamless user journey and personalized banking services, but how does that become today’s reality for credit unions rather than just a goal? Download this white paper to find out how.
Download Resource Alogent
From Alogent
When selecting a digital banking platform, the questions you ask are critical and should tell your story. Many RFPs focus on features, functionality, and price, and although these are important points, consider asking more focused questions that align with your long-term strategy, such as the ones suggested in this white paper.
Download Resource Melissa
From Melissa
Did you know the risk for member turnover drops from 50% to 25% when a member has two or more products with your credit union?² This whitepaper outlines the critical role that clean data plays in helping your credit union retain and grow membership.
Download Resource GLIA
From GLIA
When it comes to your credit union’s contact center, Intelligent Virtual Assistants (IVAs) are essential but incomplete solutions for managing volume. Discover how to integrate IVAs into a broader digital member service strategy for maximum efficiency.
Download Resource Alacriti
From Alacriti
Tap into the potential of real-time payments for small and medium-sized businesses (SMBs) and corporations. Discover insights and strategies on adoption rates, and opportunities for your credit union in this comprehensive report.
Download Resource Alacriti
From Alacriti
Electronic Bill Presentment and Payment (EBPP) offers credit unions a number of benefits. Discover how to enhance member satisfaction, streamline payment processes, and more in this webinar brief.
Download Resource GLIA
From GLIA
These unmistakable signs indicate your credit union’s call center needs a modern overhaul. Stay ahead of the curve and elevate your member service experience today.
Download Resource Alacriti
From Alacriti
Is your organization looking toward real-time payments to modernize your services? This brief discusses technology enablers for real-time payments, clearing rules and message specifications, and customer support challenges in a real-time environment.
Download Resource Mortgage Capital Trading
From Mortgage Capital Trading
Unlock the potential for your credit union members by optimizing your investor set. Learn how to maximize profitability, offer better rates, and enhance your market share.
Download Resource Brightwell
From Brightwell
Discover how Dash Solutions and Brightwell collaborated to revolutionize cross-border payments for rural workers using the Dash mobile app. Read the case study now!
Download Resource Elan Credit Card
From Elan Credit Card
Does the value outweigh the risk? Review three key considerations when evaluating whether to invest in growing an internal credit card program or explore an outsourced solution.
Download Resource Upstart
From Upstart
Explore how a credit union strategically adapted to economic changes, achieving higher returns, flexible loan volumes, and gaining over 1,500 creditworthy members in just one year through a transformative partnership.
Download Resource Greenlight
From Greenlight
Amidst a shifting financial landscape, it’s never been more important to retain members and attract the next generation of customers. In this white paper, discover how offering family-centric financial education can empower parents to raise financially literate kids, fostering loyalty and growth for your credit union.
Download Resource Brightwell
From Brightwell
Explore the intricacies of credit card fraud with this comprehensive article. Learn about the varying types of fraud attacks and scams, their unique challenges, and multi-layered approaches to protect your credit union and members.
Download Resource Melissa
From Melissa
Many credit unions are in need of an improved onboarding process for their members as current processes are time-consuming, manual and lead to losing potential members. Learn how one credit union was able to quickly implement a solution that satisfies their compliance checks while verifying and approving customer submissions in seconds.
Download Resource Alkami
From Alkami
In 2024, the financial industry is clearly facing a radical transformation, and these challenges are altering the landscape as we know it. This playbook explores the opportunities and challenges that lie ahead for credit unions and the financial industry. Use it as a guide to gain a competitive edge in this new landscape.
Download Resource Mortgage Capital Trading
From Mortgage Capital Trading
2024 is in full swing and experts are here to inform, predict and guide you through all of your most pressing 2024 housing market questions. This whitepaper will help you gain clarity and clear up future predictions in regard to the most important topics in the housing market right now.
Download Resource Elan Credit Card
From Elan Credit Card
Learn where consumers are applying for credit cards, what type of spenders they are, what features are most persuasive, and what smaller financial institutions should focus on to continue expanding their market share.
Download Resource Upstart
From Upstart
When Vantage West CU decided to prioritize a seamless digital experience and data-driven lending decisions, they knew the right partner was critical. Download this case study and discover how they diversified their loan portfolio, acquired 1400 new members in 6 months, and built in flexibility to withstand the economic cycles.
Download Resource Elan Credit Card
From Elan Credit Card
Customer payment expectations are shifting. Explore the top five merchant payments trends we’re watching in 2023 and learn how a partnership may help meet the needs of your members.
Download Resource Elan Credit Card
From Elan Credit Card
Nearly 33% of cardholders increased their credit card spending over the last six months, showing how critical credit cards are in today's economic environment.
Download Resource Elan Credit Card
From Elan Credit Card
Young adults are the future of your credit union. From college to home-buying, learn why credit cards are key to winning the loyalty of Gen Z and millennials.
Download Resource Elan Credit Card
From Elan Credit Card
With the current economic environment and rise in interest rates, credit unions may find the credit card market increasingly complex to operate internally. Learn why shifting from insourcing to outsourcing your credit card program can benefit your credit union.
Download Resource Elan Credit Card
From Elan Credit Card
A credit union’s ability to deliver the right products and services that best meet members’ daily needs is the most important factor in creating a superior member experience.
Download Resource