MassMutual Launches ValoraLife, a Simple, Quick Way to Buy Affordable Life Insurance Online

June 19, 2016

ValoraLife.com, a new, simple and affordable way for families to buy life insurance online, is available now in English and in Spanish in mid-July.

HOUSTON, June 19, 2016 /PRNewswire-HISPANIC PR WIRE/ — ValoraLife.com, an innovative and simple way to buy life insurance online, launched today in Houston to meet the need for an affordable financial safety net for families. Coverage is possible in about 30 minutes on the ValoraLife.com site, which is available now in English and in Spanish in mid-July. ValoraLife is backed by Massachusetts Mutual Life Insurance Company (MassMutual).

“Life insurance is a fundamental financial safety net for what people value most: their families,” said Eduardo Casas, Vice President, MassMutual & General Manager, ValoraLife. “But, many people in Houston and other cities, especially Latinos, told us they think the process of getting life insurance is too complicated and it’s too expensive – even though they believe it is important.”

At ValoraLife.com, families start by choosing what they can afford for life insurance coverage. They can apply, get approved and purchase one of two easy-to-understand term life insurance options in about 30 minutes. Bilingual ValoraLife customer service representatives can help through online chat or via phone if needed. The ValoraLife.com site also features easy-to-follow “how-to” videos, and a blog on topics such as health, finances, parenting and fulfilling promises to families.

“We saw a real need for financial education among Latinos, the fastest-growing segment of middle-income consumers, who were not being adequately reached by traditional financial services companies or organizations,” Casas added. “The insights we gained from talking with Latinos inspired us to create a product that helps make life insurance accessible to more families.”

Celebrity entertainer Mario Lopez, father of two, was on hand at the event at the Houston Museum of Natural Science to help launch ValoraLife.com.

“As a father, there’s nothing more important to me than protecting my family,” said Lopez. “We all make promises to be there for our families when they need us. Life insurance gives us peace of mind so we can enjoy time with our families, knowing their future’s covered.”

As part of the launch, ValoraLife announced a special “Family Moments” discount to the Houston Museum of Natural Science. From June-December, families can print $8 museum admission coupons from the ValoraLife Facebook page at www.facebook.com/valoralife.

ValoraLife representatives will be present at a number of Houston-area festivals and events this summer to talk about life insurance as a financial safety net and to offer online demonstrations of the ValoraLife.com site. Houston residents can follow and interact with ValoraLife on Facebook, Twitter and Instagram, as well as learn about local “Family Moments” promotions, events and topics. To read the ValoraLife blog, visit www.valoralife.com.

Currently the MassMutual life insurance policies offered at ValoraLife.com are available to Texas residents only.

About ValoraLife
ValoraLife offers a simple, affordable way to buy life insurance online that helps people fulfill the promise to protect what they value most – their family’s future. ValoraLife offers two options: ValoraLife Term and ValoraLife Term Plus. ValoraLife Term Plus provides a return-of-premium feature that returns 100 percent of the premiums paid if the insured outlives the term of the policy (less fees and policy debt) – the first of its kind available online. ValoraLife is backed by MassMutual’s 165-year legacy of financial strength. For more information, visit www.valoralife.com or find ValoraLife on Facebook, Twitter, and Instagram.

About MassMutual
MassMutual is a leading mutual life insurance company that offers a wide range of financial products and services, including life insurance, disability income insurance, long term care insurance, annuities, and retirement plans. For more information, visit www.massmutual.com.

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On June 18, celebrity entertainer Mario Lopez helped Michael Fanning, Executive Vice President, MassMutual and Eduardo Casas, Vice President, MassMutual & General Manager, ValoraLife, unveil ValoraLife.com, an innovative way for families to buy life insurance online. Left to right: Frank Silva, ValoraLife Director of Operations, Marilyn Alverio, ValoraLIfe Senior Marketing Manager, Michael Fanning, MassMutual Executive Vice President, Eduardo Casas,ValoraLife Vice President and General Manager, Mario Lopez, Tricia Walker, MassMutual Senior Vice President of Direct to Consumer Group, Patricia Diaz Dennis, MassMutual Board of Director, Eric Hernandez, ValoraLife Director of Marketing, and Gareth Ross, MassMutual Executive Vice President Consumer Experience.

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(Español) Un tratamiento avanzado para dejar los tranquilizantes permite que 9 de cada 10 pacientes evolucionen positivamente

June 17, 2016

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Cal/OSHA Issues Extreme Heat Advisory

June 17, 2016

OAKLAND, California, June 17, 2016 /PRNewswire-HISPANIC PR WIRE/ — Cal/OSHA urgently advises employers in Southern California to prepare for record-setting temperatures. The National Weather Service has issued excessive heat warnings that will last from Sunday through Wednesday.

Los Angeles is expected to be hit with its first significant heat wave of the year, with temperatures expected to peak at 102 in downtown Los Angeles, and 105 in inland Orange County. Even coastal areas may see the temperatures in the low 90s.

Temperatures approaching 120 degrees are predicted in the Inland Empire and lower desert areas. There is also a heat watch in effect for San Luis Obispo County.

In addition to the basic steps outlined by California’s heat regulation for employers with outdoor workers, heat above 95 degrees Fahrenheit requires additional precautions. Among other measures, it is crucial that workers are actively monitored for early signs of heat illness. This helps ensure sick employees receive treatment immediately and that the symptoms do not develop into serious illness or death.

“With excessive temperatures on their way, employers must be vigilant,” said Cal/OSHA Chief Juliann Sum. “Ensuring an adequate supply of water, providing a shaded area for rest and recognizing the signs of heat illness can save workers’ lives.”

California’s heat regulation requires employers to protect outdoor workers by taking these basic steps:

Train all employees and supervisors about heat illness prevention.
Provide enough fresh water so that each employee can drink at least 1 quart, or four 8-ounce glasses, of water per hour, and encourage them to do so.
Provide access to shade and encourage employees to take a cool-down rest in the shade for at least 5 minutes. They should not wait until they feel sick to cool down.
Ensure that emergency medical services can and will be summoned when an employee feels sick or exhibits signs of heat illness, such as nausea, exhaustion or mental confusion.
Develop and implement written procedures for complying with the Cal/OSHA Heat Illness Prevention Standard.

Cal/OSHA will inspect outdoor worksites in industries such as agriculture, construction, landscaping, and others throughout the heat season. Through partnerships with various employer and worker organizations in different industries, Cal/OSHA will also provide consultation, outreach and training on heat illness prevention.

Cal/OSHA’s award-winning heat illness prevention campaign, the first of its kind in the nation, includes enforcement of heat regulations as well as outreach and training for California’s employers and workers.

Online information on the heat illness prevention requirements and training materials can be obtained at Cal/OSHA’s Heat Illness web page or the Water. Rest. Shade. campaign site. A Heat Illness Prevention e-tool is also available on Cal/OSHA’s website.

Cal/OSHA helps protect workers from health and safety hazards on the job in almost every workplace in California. Cal/OSHA’s Consultation Services Branch provides free and voluntary assistance to employers to improve their health and safety programs. Employers should call (800) 963-9424 for assistance from Cal/OSHA Consultation Services.

Employees with work-related questions or complaints may contact DIR’s Call Center in English or Spanish at 844-LABOR-DIR (844-522-6734). The California Workers’ Information line at 866-924-9757 provides recorded information in English and Spanish on a variety of work-related topics. Complaints can also be filed confidentially with Cal/OSHA district offices.

Members of the press may contact Erika Monterroza or Jules Bernstein at (510) 286-1161, and are encouraged to subscribe to get email alerts on DIR’s press releases or other departmental updates.

https://www.facebook.com/CaliforniaDIR
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The California Department of Industrial Relations, established in 1927, protects and improves the health, safety, and economic well-being of over 18 million wage earners, and helps their employers comply with state labor laws. DIR is housed within the Labor & Workforce Development Agency. For general inquiries, contact DIR’s Communications Call Center at 844-LABOR-DIR (844-522-6734) for help in locating the appropriate division or program in our department.

Citizens Trust Bank Announces Next Generation Advisory Board

June 17, 2016

Citizens Trust Bank Cynthia N. Day, President and CEO, and the Inaugural Next Generation Advisory Board

ATLANTA, June 17, 2016 /PRNewswire-HISPANIC PR WIRE/ — Citizens Trust Bank, a recognized leader in the financial services industry, today announces its Next Generation Advisory Board (NGAB). The advisory board will serve in a collaborative capacity to explore innovative and strategic ways to offer financial solutions to a changing and diverse demographic. NGAB is comprised of thirteen young and inspiring Atlanta business leaders who have an interest in enhancing access to financial services to build wealth and financial success for the current generation and generations to come. In partnership with our advisory board, we will expand our reach and deepened our impact through alliances and by utilizing social media and other outlets.

“As we continue to move our bank forward in an ever-changing marketplace, we wanted to include a new, younger set of thought leaders to help us better serve our customers and communities in ways that are consistent with the 21st century banking customer,” said Cynthia N. Day, President and Chief Executive Officer, of Citizens Trust Bank. “The advisory board that we have assembled is truly exemplary and will work closely with our team and board of directors to deliver world class experiences to our customers and prospective customers, alike.”

On August 16^th, 1921, Citizens Trust Bank opened its doors as a pillar in its community and a catalyst for financial empowerment and well-being for all. Celebrating a strong, rich history, 95 years later, the inaugural advisory board will serve in a collaborative capacity to explore innovative and strategic ways to offer financial solutions to a changing and diverse demographic throughout the enterprise.

The members represent local businesses, non-profit and educational organizations that strengthen the Atlanta community. The Citizens Trust Bank NGAB board members are as follows:

Mr. James M. Bailey, Chairman	Managing Partner Greenwood Archer, LLC

Ms. Katerina Taylor, Secretary	President and CEO DeKalb Chamber of Commerce

Ms. LaSandra Boykin	Project Manager, Community Affairs Delta Airlines

Mr. Cory A. Croft	Manager, Merchandising Strategies & Commercial Initiatives Delta Airlines

Ms. Vonetta Y. Daniels, PMP	President and CEO VYD and Associates

Ms. Kamika T. Dillard	Founder and CEO Coach Kam Test Prep

Mr. Justin E. Giboney, Esq.	Assistant General Counsel INVEST Atlanta

Mr. Nicholas Juliano	Vice President Resolute Consulting

Mr. Xavier Peoples	Regional Finance Manager Zurich North America

Ms. Rukiya S. Thomas	Chief of Staff, Metropolitan Atlanta Rapid Transit Authority (MARTA)

Stephen W. Vault, PhD	Director of Strategic Planning and Business Development, Grady Health System

Ms. Adrienne A. White	Vice President of Finance, The National Center for Civil and Human Rights

Ms. Jennifer Young	Specialist, Climate, Culture, and Disproportionality Fulton County Schools

“We look forward to learning from the wisdom and experiences of these young leaders as we continue to build our bank for the future,” said Day.

Stay connected with Citizens Trust Bank. Be sure to follow us on LinkedIn, Twitter and Facebook.

About Citizens Trust Bank Citizens Trust Bank is a leader in the financial services industry and one of the largest minority-owned financial institutions in the nation, offering a full range of quality business and consumer products and services including Small Business Administration (SBA) financed loans, residential mortgage lending, and consumer and business online banking products with ten financial centers in Metro Atlanta, Columbus, Georgia and in Birmingham and Eutaw, Alabama. For more information, please visit www.ctbconnect.com.

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(Español) Puntos principales sobre la nueva regulación del tabaco de la FDA

June 17, 2016

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(Español) Manejo de la salud emocional después de un evento traumático

June 17, 2016

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Introducing International Money Transfer Service to Colombia from Sharemoney

June 17, 2016

ENGLEWOOD CLIFFS, N.J., June 17, 2016 /PRNewswire-HISPANIC PR WIRE/ — Sending money becomes easier with Sharemoney’s new international money transferring services expanded to serve Colombia. Sharemoney, the online money transfer service of Omnex Group, has been transferring money worldwide from the United States to countries like the Philippines, Vietnam, Brazil, Guatemala, and more. Sharemoney’s mission is to help immigrants in the U.S. send money back to loved ones in Colombia.

Photo – http://photos.prnewswire.com/prnh/20160616/380225

Money transfer services to Colombia include convenient cash pickups with Bancolombia and Pagos Internationales and bank deposits with Bancolombia. Fees for transferring funds start at $3.99, and each transfer can be up to $2,999.

“Providing secure, reliable money transfer services is our priority. We’re happy to serve the Colombian community by expanding our wire transfer services,” said Anastasia Rzhevskaya, Marketing Manager at Sharemoney.

Whether you are sending money just once or are planning to do so every week or every month, Sharemoney’s international money transfer service is a helpful and convenient way to send money to loved ones in Colombia. Customer support is available by email or phone, in English and Spanish, to help new customers process their transfers.

Great exchange rates for the COP and enhanced web security ensure Sharemoney is a simple and reliable way to transfer money from the U.S. to loved ones in other parts of the world. International money transfer services are just one way to ease the gap between friends and family members—Sharemoney makes it more convenient. For more information about Colombian money transfer services, visit https://www.sharemoney.com/colombia/

ABOUT SHAREMONEY®
Sharemoney® is the online money transfer service of Omnex Group, Inc., a licensed remitter. With over 25 years in the money transfer industry, Omnex and its Sharemoney service offer flexible money transfer options to over 41,000 payout locations around the world. Servicing major countries including Brazil, Colombia, Dominican Republic, Ecuador, El Salvador, Guatemala, Mexico, Peru, the Philippines and Vietnam, Sharemoney allows for families and loved ones to send money in as little as two minutes with the great exchange rates and low fees. To learn more about online money transfers through Sharemoney visit http://www.sharemoney.com.

The United Nations Human Rights Committee Finds Ecuador Government Guilty of Violating Isaías Brothers’ Civil Rights

June 17, 2016

MIAMI, June 17, 2016 /PRNewswire-HISPANIC PR WIRE/ — In a unanimous decision, the United Nations Human Rights Committee (OHCHR) has ruled that Ecuadorian brothers Roberto and William Isaías’ civil rights were violated by the Government of Ecuador and that due process was not afforded to them when their businesses were confiscated by the State. As compensation, the Committee has ordered full restoration of their seized properties, which includes 14 media outlets, and a public apology by the Government of Ecuador. Additionally, Ecuador was asked to publish the Committee’s opinion and distribute it widely inside the country.

“This ruling shows that our innocence will always prevail when our case is analyzed through a transparent process. The abuse and persecution we have endured as victims of President Correa and his government has now been confirmed by the United Nations,” said Roberto Isaías. “The judges’ findings prove that a violation of our civil rights and a violation of our right to due process was clearly present and the order for reparations shows that the confiscation of our assets was illegal. We very much appreciate the dignity with which this panel of multinational judges studied our case,” he added.

In its official statement, the Committee also ruled that a constitutional amendment directed at the Isaías Brothers titled Mandate No. 13, which expressly forbade the filing of legal actions for the protection of their constitutional rights in response to the expropriation of the their assets and also instructed the dismissal of any judge who would hear any action on this matter, violated Isaías’ rights under Article 14(1) of the International Covenant on Civil and Political Rights.

This ruling provides an impartial judicial lens to the pervasive nature in which the Correa government has violated its citizens’ human and civil rights over the last decade, including the appropriation of private business, interference in the judicial system, and the abrogation of freedom of the press through the confiscation of media assets.

For more than a decade, Roberto and William Isaías have been the targets of an aggressive campaign of political, economic and judicial persecution, in addition to the confiscation of their media assets, which included four radio stations, three newspapers, three magazines, and four television stations.

In March 2013, unable to obtain a fair trial in their native country of Ecuador due to the implementation of Mandate 13, Roberto and William Isaías filed a complaint with the OHCHR against the government of Ecuador detailing the political persecution and human and civil rights violations they had suffered due to the lack of judicial due process and appropriation of assets by the Government of Ecuador.

Experts: The Promise of College Requires Sustainable Funding

June 16, 2016

ETS logo.

PRINCETON, New Jersey, June 16, 2016 /PRNewswire-HISPANIC PR WIRE/ — Over 100 College Promise programs across the nation currently fund responsible students working to complete the first two years of community college. But, the future success of such efforts depends on sustainable funding and that’s what brought academic researchers, business leaders, foundation heads and economists to Princeton for a two-day conference this month.

The conference, “Designing Sustainable Funding for College Promise,” was co-sponsored by the College Promise Campaign and Educational Testing Service (ETS). Over 100 attendees heard presentations by five design teams offering different approaches to increase college access, affordability and completion. The findings will be published next fall and provided free-of charge so that interested parties may adopt or adapt them to local needs. The five approaches included:

children’s savings accounts.
state funding
private funding,
federal financial aid
social impact bonds/income share agreements

“We gathered to explore new ideas for sustainable funding to yield far greater results than we have today,” explained Martha Kanter, Executive Director of the College Promise Campaign. “We want to help build aspirations that college is an expectation, to expand college access, curb the drop-out rate, increase the number of students with college degrees, and reduce student debt. To do this, we looked inside and across communities, states and the federal government for solutions.”

“One of the most important takeaways from the conference was that College Promise is about more than money,” added Michael Nettles, Senior Vice President of ETS’s Center for Policy Evaluation & Research. “It’s about creating a workable, simple approach to creating a track that moves all students on to college. And, that process should begin early in the K-12 continuum.”

During the conference, attendees were provided with a deeper look at the characteristics of College Promise and the growth of the movement, the challenge of understanding the variation among the more than 100 Promise programs, and opportunities to identify those that yield the results for communities, states and the nation.

In the first presentation, attendees learned that Children’s Savings Accounts have a huge impact on changing American students’ aspirations to attend college. Presenters noted that less than 10% of students from low income families graduate from college by their mid-20s. The consensus was that savings accounts could improve student’s expectations that they can actually attend college by leveraging the power of regular saving.

The second design team reported on State Funded Models, and the need to marry Promise programs to broader state or local policy goals for educational attainment and achievement. For entities considering a Promise program, it is crucial to have clear understanding of what promise is being made, to whom, for how long, and under what conditions.

The third design team presented examples and concepts of Privately Funded Models including plans to establish a $1 billion endowment plan for HBCUs; working with U.S. Bank to connect merchants with consumers at the point of sale, leveraging the amalgamated power of purchasing cards to generate a revenue stream for College Promise programs; marrying mentoring to pre-paid college scholarships, and turning institutions into federal work colleges allowing students to graduate with a school transcript and professional work experience.

In the area of Federal Financial Aid, the fourth design team reported on the need to change a lot of college-bound behaviors including reducing the gap between resources available for low income and better-off students and having simple, predictable aid programs, The pros and cons of free college, federal support of “last-dollar” programs, government grants to institutions that promote success of low and moderate income students, and college savings accounts. It was generally agreed that states should increase funding for community college access and that the federal government should support and focus on efforts to promote opportunity and equity so students can succeed.

The final team researched Outcomes-Based Financing models which included both social impact bonds (SIBs) and income share agreements. SIBs provide the federal government with a mechanism to fund college-going programs as an incentive for students to graduate. The idea is that students with a higher education degree will save the government money in the long term because they will be less likely to require public assistance. Some attendees wondered who will pay back investors seeking a return on this investment.

With income share agreements, students agree to pay a percentage of their income for a set period after graduation. This tool is already employed at Purdue University, Lumni, Holberton schools, and 13th Avenue Funding. Team members cautioned that such programs would need to include protections to ensure that those typically discriminated against in the labor market, (women, first-generation students and minorities) don’t get inferior terms when embarking on these agreements.

“America is in the midst of a higher education financing crisis,” ETS President Walt MacDonald told conference attendees. “And the longer it continues, the deeper it gets — and the more damage it does to individual lives, communities, and to the future of our country. As a former community college alumni, I am a great believer in the College Promise as a concept, and I am happy that we are attempting to figure out optimal funding models.”

Details and summaries of other approaches covered at the conference will be provided in the report planned for early next fall.

About ETS

At ETS, we advance quality and equity in education for people worldwide by creating assessments based on rigorous research. ETS serves individuals, educational institutions and government agencies by providing customized solutions for teacher certification, English language learning, and elementary, secondary and postsecondary education, and by conducting education research, analysis and policy studies. Founded as a nonprofit in 1947, ETS develops, administers and scores more than 50 million tests annually — including the TOEFL® and TOEIC® tests, the GRE® tests and The Praxis Series® assessments — in more than 180 countries, at over 9,000 locations worldwide. www.ets.org

About College Promise Campaign

The mission of the College Promise Campaign is to build widespread support and broad public understanding for communities and states to fund, at a minimum, a community college education for all responsible students as a critical investment in America’s future.

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Five Tips from Ophthalmologists That Will Protect Your Eyes from Sun Damage

June 16, 2016

American Academy of Ophthalmology highlights ways to protect against harmful UV exposure

SAN FRANCISCO, June 16, 2016 /PRNewswire-HISPANIC PR WIRE/ — The days are longer, the sun is hotter, the beach beckons and out comes the sunscreen. But summer revelers looking forward to sizzling hot fun in the sun shouldn’t overlook their eyes when it comes to protecting themselves from damaging ultraviolet rays, warns the American Academy of Ophthalmology.

Photo – http://photos.prnewswire.com/prnh/20160616/380331

In support of UV Safety Month in July, the Academy is sharing information on how to keep eyes safe from sun damage. Excess sun exposure can put people at risk of serious short-term and long-term eye problems. If eyes are exposed to strong sunlight for too long without protection, UV rays can burn the cornea and cause temporary blindness in a matter of hours. Long-term sun exposure has also been linked to an increased risk of cataracts, cancer and growths on or near the eye.

Here are five things people can do to cut their risk of eye damage from the sun:

Wear the right sunglasses – Look for those labeled “UV400” or “100 percent UV protection” when buying sunglasses. Less costly sunglasses with this label can be just as effective as the expensive kind. Darkness or color doesn’t indicate strength of UV protection. UV rays can go through clouds, so wear sunglasses even on overcast days. And while contacts may offer some benefit, they cannot protect the entire eye area from burning rays.
Don’t stare at the sun – Sun worshippers take note: directly gazing at the sun can burn holes in the retina, the light-sensitive layer of cells in the back of the eye needed for central vision. This condition is called solar retinopathy. While rare, the damage is irreversible.
Check your medication labels – One in three adults uses medication that could make the eyes more vulnerable to UV ray damage, according to a sun safety survey by the Academy. These include certain antibiotics, birth control and estrogen pills, and psoriasis treatments containing psoralen. Check the labels on your prescriptions to see if they cause photosensitivity. If so, make sure to protect your skin and eyes or avoid sun exposure when possible.
Put a lid on it –In addition to shades, consider wearing a hat with broad brim. They have been shown to significantly cut exposure to harmful rays. Don’t forget the sunscreen!
Don’t drive without UV eye protection – Don’t assume that car windows are protecting you from UV light. A recent study found that side windows blocked only 71 percent of rays, compared to 96 percent in the windshield.¹ Only 14 percent of side windows provided a high enough level of protection, the researchers found. So when you buckle up, make sure you are wearing glasses or sunglasses with the right UV protection.

“Damage from sun exposure can happen quickly, but it also adds up over time, making it a risk factor for several vision-impairing eye conditions,” said Jeff Pettey, M.D., a clinical spokesperson for the American Academy of Ophthalmology. “That’s why it’s important to get in the habit of wearing UV-blocking sunglasses, hats and sunscreen early on to cut your risk.”

Find more information on how to protect your eyes from the sun year-round at the Academy’s EyeSmart website.

About the American Academy of Ophthalmology
The American Academy of Ophthalmology is the world’s largest association of eye physicians and surgeons. A global community of 32,000 medical doctors, we protect sight and empower lives by setting the standards for ophthalmic education and advocating for our patients and the public. We innovate to advance our profession and to ensure the delivery of the highest-quality eye care. Our EyeSmart® program provides the public with the most trusted information about eye health. For more information, visit aao.org.

¹Assessment of Levels of Ultraviolet A Light Protection in Automobile Windshields and Side Windows, Boxer Wachler, JAMA Ophthalmology, published online May 2016

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