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The cornerstone of our Galway Business is the happiness, health and prosperity of each of our Galwians and their families. That's why we keep on making our Business Plan stronger and more profitable than ever before. In the direction of making every Galwians successful through tremendous bonuses, great income and new loyalty club, the company recently launched a new Galway business so that every distributor gets more earnings, cars and travel abroad than before. And in your life, the lights of happiness, health and prosperity always keep shining. The day of August 01, 2022 marked a new chapter in the history of Glaze Trading India pvt. ltd. Because on this day Glaze Company launched its new Galway Business Plan with Galwians. The company's Director Mr. Sarabjeet Singh Arneja and Senior General Manager Mr. Kush Kumar explained the great features and benefits of the new Business plan to Galwians in an online manner. On this occasion more than 2000 Galwians from across the country from Syndicate, GDD, Master and above came to witness this wonderful moment. Syndicate members Shri Rajesh Kumar Modi and Janardan Prasad Gupta were also present at the Delhi Head Office on this occasion. The company have designed the Galway Business Plan in a flexible, dynamic and rewarding manner, always prioritizing the benefits of the distributor. Hence, all the components in the new business plan have been revamped and hence we have become the largest income generating company as compared to the existing business plans in the direct selling industry. It is our goal that the Galway business plan should work in such a way that every level or level of distributor gets equal opportunity and opportunity to get equal promotion. Keeping this in view, we have launched the new Galway Business Plan 2022 to your experience in Galway Business better than ever.  

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Glass & Glazing Business Plan Template

A successful glazing business is based on a solid business plan. To help you out, we've designed a business plan template specifically for glaziers.

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U.s. department of commerce releases 2023 update to equity action plan, outlines new commitments to advance equity, office of public affairs.

Today the U.S. Department of Commerce released the 2023 update to its Equity Action Plan , in coordination with the Biden-Harris Administration’s whole-of-government equity agenda. This Equity Action Plan is part of the Department’s efforts to implement the President’s Executive Order on “ Further Advancing Racial Equity and Support for Underserved Communities Through The Federal Government ,” which reaffirmed the Administration’s commitment to deliver equity and build an America in which all can participate, prosper, and reach their full potential.

“Homogeneity is the enemy of innovation. If we are to out-build, out-innovate, and out-compete the rest of the world, we need to ensure we’re harnessing and empowering Americans across the country by utilizing our greatest strength - diversity,” said Secretary of Commerce Gina Raimondo. “That’s why the Biden-Harris Administration’s commitment to equity is so important and why I’m proud to see that reflected in this updated action plan. We fail to meet our full potential as a nation unless we harness the talents and strengths of all parts of the country, including those who have too often been left behind.”

Deputy Secretary of Commerce Don Graves will participate in an event at the White House this morning to outline the updated Equity Action Plan, where he will be accompanied by Donna Ennis, Co-Director of the Georgia Artificial Intelligence in Manufacturing (Georgia AIM), who is a winner of the Build Back Better Regional Challenge (BBBRC). The presentation will highlight  workforce pipelines put in place to ensure all Americans, including people from underserved communities, can participate in the innovation economy.

“Thanks to President Biden’s continued and steadfast commitment to supporting underserved and underrepresented communities, this Administration has made historic progress to achieving equity centered initiatives,” said Deputy Commerce Secretary Don Graves. “Through investments in business grants and funding opportunities, the Secretary and I are proud of the Commerce Department’s efforts in promoting equitable and inclusive capitalism that will pave the path to America’s economic prosperity.”

In alignment with the Department of Commerce’s strategic goals , the Equity Action Plan includes real-life examples of how America’s economy and people are best served by filtering our work through a prism of equity. America’s diversity is its competitive advantage – but only if everyone has an opportunity to fulfill their potential and fully participate in our economy.

The equity strategies associated with each strategic goal will assist in designing programs that will address barriers to equity and meet the needs of all Americans, including underserved communities.

  • Equity Strategy 1: Mobilize our nation’s diversity to fuel innovation and sustain our global competitiveness across geographic regions so that all communities have equal access to opportunities.
  • Equity Strategy 2: Expand growth opportunities for businesses and entrepreneurs, including in underserved communities.
  • Equity Strategy 3: Promote equitable economic development and career pathways to good jobs.
  • Equity Strategy 4: Use targeted investments and program design to address the climate crisis through mitigation, adaptation, and resilience efforts to ensure environmental and economic resilience.
  • Equity Strategy 5: Expand opportunity and discovery through data to inform and evaluate actions that improve community outcomes.

Since the release of its first-ever Equity Action Plan in 2022, the Department of Commerce has:

  • Released $3 billion in American Rescue Plan dollars across 780 awards through six innovative economic development programs.
  • Reduced the cost of bringing high-speed internet to unserved and underserved communities, and increased the resilience of internet infrastructure.
  • Invested $100 million to support the needs of tribal governments and Indigenous communities across 51 awards in 25 states and the Northern Mariana Islands.

Learn more about the Administration’s equity work at whitehouse.gov/equity and check out all Federal Equity Action Plans at performance.gov/equity .

To follow stories and posts across agencies, follow the hashtags #GovEquity and #GovDelivers on social media.

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Reinsdorf confident white sox will get $1 billion subsidy for new south loop stadium.

Justin Laurence

Justin Laurence is a reporter for Crain’s Chicago Business covering politics and policy from City Hall to Springfield. Prior to joining Crain's in 2022 he covered city politics, development and cannabis as a freelance reporter.

White Sox The 78 February 2024 rendering

Chicago White Sox owner Jerry Reinsdorf is preparing to ask Gov. J.B. Pritzker and other state leaders for roughly $1 billion in public money to build his team a new home in the South Loop. 

While Pritzker has been dismissive of using tax dollars to subsidize a new stadium for a team  worth billions  even before the bonds that paid for the team’s current South Side home are paid off, he has yet to rule anything out until learning of the team’s detailed financial plan.

Reinsdorf and Related Midwest President Curt Bailey, the developer of The 78 site where the stadium would be built, have been meeting with elected officials and business and labor leaders to gin up enthusiasm for the deal before meeting with the governor. The two are bullish they can win state support by arguing the stadium subsidies will bring along billions more in private investment, and the deal is structured in a way to not require new or increased taxes.

While the stadium itself would be subsidized, the White Sox and Related Midwest have stressed it's the key to unlocking the  additional private investment — mixed-use buildings with affordable housing, bars and restaurants; an underground garage with a capacity of 4,000 spots; and parks — in meetings, sources familiar with the discussion said.

"The new ballpark is a very, very important engine for this investment, but it is a smallish component as an overall dollar amount of the project that will in many ways change the face of the city of Chicago,” a source involved in the meetings told Crain’s.

The White Sox and Related Midwest declined to comment for this story.

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The proposed deal would also get the city off the hook for being the guarantor of the current debt arrangement with the Illinois Sports Facilities Authority, or ISFA, to pay for the 2003 renovation of Soldier Field.

The ISFA is the financing vehicle that was created in 1987 to pay for what is now called Guaranteed Rate Field. The authority issued $150 million in bonds in 1989 to build the Sox a stadium and later issued another $399 million in bonds to pay for the renovations to Soldier Field for the Chicago Bears. Along the way the authority has occasionally refinanced or extended the debt to overcome short-term pain.

“The current financing plan would pay off all of the existing debt on the Bears stadium,” said a source involved in the meetings with state and city officials.

To pay for the new Sox stadium, Reinsdorf is seeking to lay claim to the revenue from a 2% hotel occupancy tax, currently used to pay for ISFA’s annual debt service, for decades beyond when all outstanding bonds are currently meant to be paid off in 2034. 

Extending ISFA bonds over 30 years while adding a new line of revenue to back the debt would provide the upfront capital to begin work on the stadium at The 78 site, which sits between the Chicago River and Clark Street, connecting Chinatown to the Loop. 

Reinsdorf is also seeking to create a tax-overlay district surrounding the proposed stadium that would capture the state’s portion of sales taxes generated in the area — estimated at roughly $400 million over an undisclosed period — to be set aside to subsidize the stadium and back the new bonds.

The special tax district would be restricted to The 78 property, which currently sits vacant and does not provide any sales taxes.

Adding the sales tax revenue to the pot would also allow ISFA to borrow more money, which a source familiar with the bonding plan said would get into the “ballpark” of the roughly $1.2 billion in assistance that Reinsdorf is seeking in order to build a park with a capacity to hold between 35,000 to 38,000 people and retire the current ISFA debt.

But all of that would require state approval, both to give the ISFA the authority to issue bonds that extend past 2034 and to siphon sales taxes meant for the state into a separate fund backing the authority's debt.

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The Bears and Soldier Field

The deal would also potentially box out the Chicago Bears from tapping into the ISFA to pay for the new stadium they are exploring along the Chicago lakefront. 

Sources familiar with both teams' plans say the two are not working together to find stadium deals, but are in competition to be the recipient for whatever appetite there is in Illinois to use public dollars for new stadiums.

In 2003, the state authorized the ISFA to issue $399 million in new bonds to help pay for the renovation of Soldier Field. As of 2023, $384 million in principal was still outstanding on the bonds, meaning the authority has largely only paid the interest payments in the last two decades.

In a complicated repayment structure, the ISFA’s main line of revenue comes from a 2% hotel occupancy tax in Chicago and $5 million in annual payments from both the state and city.

But because revenue from the hotel tax lags the debt payments, Illinois provides an annual advance payment to the ISFA to cover annual debt service. The authority then repays it with its hotel tax revenue. In years where the hotel tax revenue does not cover the repayment, as was the case in the last three years, the difference is taken from Chicago’s share of state income taxes.

Because of the back-loaded debt repayment structure created under former Chicago Mayor Richard M. Daley to pay for Soldier Field renovations, the city could be on the hook for increasingly large payments to cover the annual shortfall.

Total annual debt service on the original Soldier Field bonds and subsequent refinancing is projected at $55 million this year, but is set to rise to $90 million in 2033. 

The hotel tax revenue totaled $55.8 million in 2019, the last year before the COVID pandemic wrecked the tourism industry. In 2021, the revenue dropped to just $6.9 million before recovering to $41.2 million in 2023, still well below pre-pandemic levels. 

“The load of debt that the Soldier Field bonds put on the authority, in addition to other related financial requirements of the deal — such as financial assistance, payments for maintenance and improvements to Soldier Field, insurance and operational costs — is a lot higher than the revenues coming in to the authority,” according to the state of Illinois annual capital plan report.

Whether the Bears see out their lease at Soldier Field, move to Arlington Heights or build a new lakefront stadium, the ISFA is still on the hook for the debt service. 

While the new debt structure would no longer obligate the city to guarantee the ISFA’s annual debt service, the arrangement is not without risk. 

A representative for the ISFA did not immediately respond to a request for comment. The Bears have had at least one meeting with ISFA officials earlier this month.

Hotel tax revenues are still recovering after cratering during the pandemic, and the plan relies on capturing sales tax revenue in a development that has yet to break ground and may take longer that any best-laid plans to materialize. If those revenues fall short of the ISFA’s debt payments and the city is no longer backing the debt, who will?

It’s unlikely the White Sox could convince the state to raise the 2% hotel tax flowing to the ISFA, which is just one part of the overall taxes on a hotel guest’s bill that add up to the highest in the nation.

Michael Jacobson, president of the Illinois Hotel & Lodging Association, said in a statement that the potential Sox stadium is exciting “as long as the funding source is stable.”

“While Related Midwest and the Chicago White Sox have assured us the existing Chicago hotel tax that funds sports facilities, along with other revenue sources, would be sufficient to fund the ballpark, our priority is protecting the hospitality and visitor industry,” the statement said. 

The White Sox and Related Midwest have yet to meet with Pritzker, but representatives of the team and developer have been quietly meeting with other state officials to build support for the project, including John Atkinson, chairman of the board of Intersect Illinois, according to sources familiar with meetings.

Getting government onboard

Pritzker's office did not respond to a request for comment, but a source close to the governor said it's unlikely Pritzker will meet with Reinsdorf until he has a fully prepared plan to build the stadium.

Both Illinois Senate President Don Harmon and House Speaker Chris Welch have had meetings, but neither are ready to voice support for the deal until the White Sox lay all of their cards on the table, according to their offices.

Related Midwest met with Chicago Federation of Labor President Bob Reiter in January , who has already come out in support of the deal, touting the jobs it would create for union workers in the building trade and service industry.

Ald. Pat Dowell, 3rd, who represents the area, has also met with the team. Dowell has expressed tepid support, but is still seeking more information. 

“They presented an idea,” Dowell told Crain’s on Feb. 14. "They're going around, doing their due diligence trying to get people excited, interested in what they're proposing, but I haven't seen anything specific.”

Mayor Brandon Johnson has also said he  likes the idea of the project , but is waiting on more details. While the financing structure requires state legislation, Johnson’s backing is key to getting Springfield on board to approve a plan that would obligate a tax on hotel stays in the city towards another White Sox stadium.

While neither tax would be new or result in a tax increase, every dollar dedicated to build the Sox a stadium would be a dollar not spent on other priorities for the state or for Johnson.

The stadium would sit inside the Roosevelt/Clark tax-increment financing district that was created in 2019 to help pay for the infrastructure costs to unlock The 78 development, both by connecting it to the rest of the city and making it more attractive to potential commercial tenants and residents. 

The stadium is an allowable use in the planned development zoning district that encompasses The 78, but if the infrastructure needed to accommodate a stadium necessitated changes to the $551 million redevelopment agreement Related said it would pay for infrastructure work, the developer may be forced to return to the City Council for approvals of the amendments. 

Currently, Related Midwest would pay the upfront costs to build a new $364 million CTA Red Line stop, the $85 million realignment of Metra tracks running through the site, and $102 million towards various street improvements and reconstructing the riverfront seawall. As incremental revenue flows into the TIF district, the city would repay Related for the infrastructure costs.

Opening up an existing redevelopment agreement could give Johnson and the City Council the ability to extract further concessions in exchange for the changes to the infrastructure agreement.

Even if Pritzker approves the financial structure to build the stadium, other pitfalls could ruin the deal, according to those involved in the discussions. 

The White Sox would need to agree to terms to lease the ISFA-owned stadium, and a price to purchase the land has not been broached. The state of Illinois could also seek a share of the team's ticket revenue. 

The state and city would also want to see a plan for the ISFA-owned Guaranteed Rate Field and its surrounding parking lots. The White Sox have floated the idea of building a mixed-use development on the parking lots to help land a new tenant for the stadium, including the Chicago Fire, but an actual detailed plan has not materialized.

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Create a form in Word that users can complete or print

In Word, you can create a form that others can fill out and save or print.  To do this, you will start with baseline content in a document, potentially via a form template.  Then you can add content controls for elements such as check boxes, text boxes, date pickers, and drop-down lists. Optionally, these content controls can be linked to database information.  Following are the recommended action steps in sequence.  

Show the Developer tab

In Word, be sure you have the Developer tab displayed in the ribbon.  (See how here:  Show the developer tab .)

Open a template or a blank document on which to base the form

You can start with a template or just start from scratch with a blank document.

Start with a form template

Go to File > New .

In the  Search for online templates  field, type  Forms or the kind of form you want. Then press Enter .

In the displayed results, right-click any item, then select  Create. 

Start with a blank document 

Select Blank document .

Add content to the form

Go to the  Developer  tab Controls section where you can choose controls to add to your document or form. Hover over any icon therein to see what control type it represents. The various control types are described below. You can set properties on a control once it has been inserted.

To delete a content control, right-click it, then select Remove content control  in the pop-up menu. 

Note:  You can print a form that was created via content controls. However, the boxes around the content controls will not print.

Insert a text control

The rich text content control enables users to format text (e.g., bold, italic) and type multiple paragraphs. To limit these capabilities, use the plain text content control . 

Click or tap where you want to insert the control.

Rich text control button

To learn about setting specific properties on these controls, see Set or change properties for content controls .

Insert a picture control

A picture control is most often used for templates, but you can also add a picture control to a form.

Picture control button

Insert a building block control

Use a building block control  when you want users to choose a specific block of text. These are helpful when you need to add different boilerplate text depending on the document's specific purpose. You can create rich text content controls for each version of the boilerplate text, and then use a building block control as the container for the rich text content controls.

building block gallery control

Select Developer and content controls for the building block.

Developer tab showing content controls

Insert a combo box or a drop-down list

In a combo box, users can select from a list of choices that you provide or they can type in their own information. In a drop-down list, users can only select from the list of choices.

combo box button

Select the content control, and then select Properties .

To create a list of choices, select Add under Drop-Down List Properties .

Type a choice in Display Name , such as Yes , No , or Maybe .

Repeat this step until all of the choices are in the drop-down list.

Fill in any other properties that you want.

Note:  If you select the Contents cannot be edited check box, users won’t be able to click a choice.

Insert a date picker

Click or tap where you want to insert the date picker control.

Date picker button

Insert a check box

Click or tap where you want to insert the check box control.

Check box button

Use the legacy form controls

Legacy form controls are for compatibility with older versions of Word and consist of legacy form and Active X controls.

Click or tap where you want to insert a legacy control.

Legacy control button

Select the Legacy Form control or Active X Control that you want to include.

Set or change properties for content controls

Each content control has properties that you can set or change. For example, the Date Picker control offers options for the format you want to use to display the date.

Select the content control that you want to change.

Go to Developer > Properties .

Controls Properties  button

Change the properties that you want.

Add protection to a form

If you want to limit how much others can edit or format a form, use the Restrict Editing command:

Open the form that you want to lock or protect.

Select Developer > Restrict Editing .

Restrict editing button

After selecting restrictions, select Yes, Start Enforcing Protection .

Restrict editing panel

Advanced Tip:

If you want to protect only parts of the document, separate the document into sections and only protect the sections you want.

To do this, choose Select Sections in the Restrict Editing panel. For more info on sections, see Insert a section break .

Sections selector on Resrict sections panel

If the developer tab isn't displayed in the ribbon, see Show the Developer tab .

Open a template or use a blank document

To create a form in Word that others can fill out, start with a template or document and add content controls. Content controls include things like check boxes, text boxes, and drop-down lists. If you’re familiar with databases, these content controls can even be linked to data.

Go to File > New from Template .

New from template option

In Search, type form .

Double-click the template you want to use.

Select File > Save As , and pick a location to save the form.

In Save As , type a file name and then select Save .

Start with a blank document

Go to File > New Document .

New document option

Go to File > Save As .

Go to Developer , and then choose the controls that you want to add to the document or form. To remove a content control, select the control and press Delete. You can set Options on controls once inserted. From Options, you can add entry and exit macros to run when users interact with the controls, as well as list items for combo boxes, .

Adding content controls to your form

In the document, click or tap where you want to add a content control.

On Developer , select Text Box , Check Box , or Combo Box .

Developer tab with content controls

To set specific properties for the control, select Options , and set .

Repeat steps 1 through 3 for each control that you want to add.

Set options

Options let you set common settings, as well as control specific settings. Select a control and then select Options to set up or make changes.

Set common properties.

Select Macro to Run on lets you choose a recorded or custom macro to run on Entry or Exit from the field.

Bookmark Set a unique name or bookmark for each control.

Calculate on exit This forces Word to run or refresh any calculations, such as total price when the user exits the field.

Add Help Text Give hints or instructions for each field.

OK Saves settings and exits the panel.

Cancel Forgets changes and exits the panel.

Set specific properties for a Text box

Type Select form Regular text, Number, Date, Current Date, Current Time, or Calculation.

Default text sets optional instructional text that's displayed in the text box before the user types in the field. Set Text box enabled to allow the user to enter text into the field.

Maximum length sets the length of text that a user can enter. The default is Unlimited .

Text format can set whether text automatically formats to Uppercase , Lowercase , First capital, or Title case .

Text box enabled Lets the user enter text into a field. If there is default text, user text replaces it.

Set specific properties for a Check box .

Default Value Choose between Not checked or checked as default.

Checkbox size Set a size Exactly or Auto to change size as needed.

Check box enabled Lets the user check or clear the text box.

Set specific properties for a Combo box

Drop-down item Type in strings for the list box items. Press + or Enter to add an item to the list.

Items in drop-down list Shows your current list. Select an item and use the up or down arrows to change the order, Press - to remove a selected item.

Drop-down enabled Lets the user open the combo box and make selections.

Protect the form

Go to Developer > Protect Form .

Protect form button on the Developer tab

Note:  To unprotect the form and continue editing, select Protect Form again.

Save and close the form.

Test the form (optional)

If you want, you can test the form before you distribute it.

Protect the form.

Reopen the form, fill it out as the user would, and then save a copy.

Creating fillable forms isn’t available in Word for the web.

You can create the form with the desktop version of Word with the instructions in Create a fillable form .

When you save the document and reopen it in Word for the web, you’ll see the changes you made.

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An Uber and Lyft driver strike may force you to find another way home from the airport on Valentine's Day

  • Uber and Lyft drivers are planning a midday strike at some US airports on Wednesday.
  • The action targets some major hubs, including Newark Liberty and Chicago's O'Hare.
  • It's part of a broader strike to draw attention to gig workers' pay and issues like deactivations.

Insider Today

Good luck if you're hoping to get an Uber or Lyft on your way home from the airport on Valentine's Day.

That's because drivers in 10 cities say they won't be working between 11 a.m. and 1 p.m. local time on Wednesday. It's part of a nationwide effort among rideshare drivers trying to bring attention to problems they say they face on the apps, from low pay to having their accounts suddenly deactivated.

"We're sick of working 80 hours/week just to make ends meet, being constantly scared for our safety, and worrying about being deactivated with the click of a button," Justice for App Workers, a group representing 130,000 rideshare and delivery gig workers, said on its website about the strike.

The strike will target multiple major airports, including Newark Liberty International Airport outside of New York City as well as Chicago's O'Hare International Airport.

The Valentine's Day Strike also will affect airports in Austin, Texas; Hartford, Connecticut; Miami; Orlando, Philadelphia; Pittsburgh, Pennsylvania; Providence, Rhode Island; and Tampa, Florida, according to Justice for App Workers.

But Uber brushed off concerns about the strike affecting customers.

"These types of events have rarely had any impact on trips, prices, or driver availability, and we expect the same tomorrow," an Uber spokesperson told Business Insider.

"That's because the vast majority of drivers are satisfied," the spokesperson added, citing an estimate that Uber drivers made "about $33 per utilized hour" last quarter.

A spokesperson for Lyft pointed to recent changes that the company made for drivers, including guaranteeing Lyft workers at least 70% of what riders pay. "We are constantly working to improve the driver experience, which is why just this month we released a series of new offers and commitments aimed at increasing driver pay and transparency," the spokesperson said.

Groups like Justice for App Workers have organized similar strikes in the US in recent years. But as independent contractors, Uber and Lyft drivers don't have the same protections as full-time employees, including federal and state protections around organizing a union and work stoppages.

Gig workers have told BI that making money on apps like Uber, Instacart, Walmart Spark, and DoorDash has gotten harder over the past few years, especially as more people have started working on the apps.

It's also common for gig workers to have their accounts deactivated without explanation by the companies they work for.

Recent laws in cities like New York and Seattle aim to raise pay and offer protections to drivers.

Do you work in the gig economy and have a story idea to share? Reach out to this reporter at [email protected]

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Watch: How truck driving became one of the worst jobs in the US

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New student loan repayment plan could make it easier for borrowers to become homeowners

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  • The Saving on a Valuable Education, or SAVE plan, can cut borrowers' monthly payments in half, and leave many people with a $0 bill.
  • Instead of paying 10% of your discretionary income a month toward your undergraduate student debt under the previous Revised Pay As You Earn Repayment Plan, or REPAYE, borrowers will be required to pay just 5% of their discretionary income.
  • Here's what to know.

A new, more affordable repayment plan for federal student loan borrowers may come with another advantage: It could make it easier to become a homeowner .

The Saving on a Valuable Education, or SAVE plan , can cut borrowers' monthly payments in half, and leave many people with a $0 bill. The Biden administration officially rolled out "the most affordable repayment plan yet" over the summer .

"Switching to a repayment plan that has a lower monthly payment can help a borrower qualify for a mortgage," said higher education expert Mark Kantrowitz.

Half of student loan borrowers — including 60% of millennial borrowers — who haven't yet purchased a home say their education debt is delaying them from doing so, according to a 2021 report by the National Association of Realtors.

Here's how the SAVE plan could soon change that, experts say.

Smaller payments can help prospective homebuyers

Your  debt-to-income ratio , which is usually calculated by dividing all your monthly debts by your monthly income, is a key factor in mortgage underwriting, said Christelle Bamona , a senior researcher at the Center for Responsible Lending.

"Those eligible for SAVE will experience reduced payments, which will in turn lower their debt-to-income ratio," Bamona said. Most borrowers should qualify for the SAVE plan as long as their loan is in good standing.

More from Personal Finance: 'Loud budgeting' is having a moment Gen Z, millennials want to invest — but many aren't Americans can't pay an unexpected $1,000 expense

Borrowers making payments on their student debt who enroll in SAVE could see their ratio fall somewhere between 1.5% to 3.6%, according to a new report by the Center for Responsible Lending.

Here's how that happens.

For one, the SAVE plan increases the income exempted from your payment calculation to 225% of the poverty line, from 150%. As a result, the first roughly $33,000 of your income won't be factored into your monthly obligation, up from around $23,000 on the other income-driven repayment plans. These numbers represent single individuals. More income is protected as family size increases.

Starting in July, an even bigger perk of the plan will be available.

Instead of paying 10% of your discretionary income a month toward your undergraduate student debt under the previous Revised Pay As You Earn Repayment Plan, or  REPAYE , borrowers will be required to pay just 5% of their discretionary income. The SAVE plan has replaced REPAYE.

Kantrowitz provided some examples of how much borrowers could see their bills drop.

Previously, someone who made $40,000 a year would have a monthly student loan payment of around $151. Under the SAVE plan, their payment would fall to $30.

Similarly, someone who earned $90,000 a year could see their monthly payments shrink to $238 from $568, Kantrowitz said.

How Wall Street trades student loans

In the past, most mortgage lenders assumed that a borrower's monthly student loan payment was a certain percentage of their loan balance, even if the actual payment was lower, Kantrowitz said.

Fortunately, he said, "They now base it on the actual loan payment ."

There's one catch: Many mortgage lenders won't use a $0 monthly student loan payment in their underwriting process, which the SAVE plan could leave many borrowers with. In such cases, lenders may still calculate your monthly obligation as a share of your total debt.

The Center for Responsible Lending wants to see this change.

"By not counting their monthly payments as $0 in the underwriting process, lenders are artificially inflating consumers' monthly debt obligation," Bamona said. This could potentially prevent millions of low-income Americans from getting a mortgage, she added.

Saving for a down payment may be easier under SAVE

The SAVE plan may also help more people get in financial shape to buy a house, experts say. That's because a smaller monthly payment could enable them to direct more cash to their savings, and reach their down payment goal faster.

Student loan borrowers who are first-time homebuyers may also be eligible for financial assistance , Bamona said, and should research their options.

"Grants or down-payment assistance programs may be accessible to first-time homebuyers, provided by agencies and organizations within their state or municipality," she added. Don't miss these stories from CNBC PRO:

  • Three stocks that could replace Tesla in the 'Magnificent 7'
  • Morgan Stanley hikes Nvidia price target ahead of earnings: 'AI demand continues to surge'
  • Vanguard launches two new ETFs to hit this sweet spot of tax-free fixed income
  • Berkshire Hathaway topped $600,000 a share last week, aiming at $1 trillion market value

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IBM Reopens Its Frozen Pension Plan, Saving the Company Millions

The company has stopped making contributions to 401(k) accounts, and instead gives workers cash credits in a new version of its old pension plan.

An illustration of an old computer that's melting, with IBM on the screen.

By Jeff Sommer

Jeff Sommer writes Strategies , a weekly column on markets, finance and the economy.

Traditional pension plans haven’t come back. But the news from IBM might lead you to think so.

Last month, IBM thawed out a defined benefit pension plan that it had frozen more than 15 years ago. The company has also stopped making contributions into employee 401(k) accounts.

These moves are startling, because, on the surface, at least, IBM seems to be reversing a decades-long trend of corporations moving away from traditional pension plans. With the old plans, companies promised to pay employees retirement income that rewarded them for long years of service. But these plans were expensive, and IBM and hundreds of other firms instead began to emphasize 401(k)s that moved the primary responsibility for saving and investing to workers.

IBM’s new approach is significant because the company has been a leader in employee benefit policymaking. What it is doing now is no simple return to the classic cradle-to-grave benefits system. In fact, IBM’s new pension plan isn’t nearly as generous to long-tenured employees compared with its predecessor.

The move has real advantages for some people who work at IBM, particularly those who put little or no money of their own into 401(k)s and who stay at the company for a relatively short while.

Crucially, IBM’s maneuver is likely to be wonderful for its shareholders. The company is saving hundreds of millions of dollars a year by stopping contributions to employee 401(k) accounts. And it doesn’t need to put any money into the pension plan this year — and, probably, for the next few years — because it has plenty of money already in it. On a purely financial standpoint, IBM is improving its cash flow and bottom line.

For a small but important subset of companies — those with fully funded, closed or frozen pension plans — IBM’s move could be a harbinger of things to come, pension consultants say. IBM is using a surplus in its pension fund to simultaneously change its employee benefits package and help the company’s finances.

“You’ll be seeing more of this,” said Matt Maloney, a senior partner at Aon. “But I don’t think it’s really a watershed event because not that many companies are in a position to do what IBM is doing.”

Retirement Basics

IBM calls its new pension plan a “retirement benefit account.” It is nestled, legally and bureaucratically, within the old version. Because it’s part of the defined benefit pension plan, the new plan is backed by the government’s Pension Benefit Guaranty Corporation , which will pay benefits , up to certain limits, if the plan runs out of money or the employer goes out of business.

Unlike 401(k)s, in pension plans the employer makes “the contribution, owns the assets, selects the investments and bears the investment risk,” said Alicia Munnell, the director of the Center for Retirement Research at Boston College.

Employees are immediately vested in the new IBM plan, and can take their money with them when they leave, IBM says. So far, so good.

But for many employees, the change comes at a cost.

IBM will no longer make contributions to employee 401(k) plans. Until now, it made 5 percent matching contributions and 1 percent automatic contributions, according to internal documents that were posted publicly and whose authenticity Jessica Chen, an IBM spokeswoman, confirmed. That money and those accounts are owned by employees. It took a year for employees to be vested in those accounts.

The new retirement benefit accounts are part of a so-called cash balance plan, a pension plan in which the employer controls how the money is invested.

In the new IBM accounts, employees receive credits equal to 5 percent of their salary — 1 percentage point less than the company’s maximum contribution to the 401(k) used to be. For the first year only, employees are getting a 1 percent salary bump to make up for the discrepancy in contributions between the old 401(k) and the new retirement accounts.

Risk and Return

IBM documents show that in the new accounts, employees are guaranteed a return of 6 percent interest for the first three years — an excellent rate under current market conditions.

From 2027 through 2033, the return is likely to fall. Employees will receive the yield on 10-year Treasuries, with a floor of 3 percent. From 2034 on, there is no floor. So if Treasury yields fall below 3 percent — as they were most of the time from late 2008 through early 2022 — a paltry return is all that employees will get.

Remember, in a 401(k), employees are free to invest as they like. People with a long investing horizon can favor the stock market, which tends to produce higher returns than government bonds over long periods.

Although IBM workers can keep their 401(k)s and continue to add money to them, they won’t have the inducement of a company match. How many will continue to contribute remains to be seen. In the new accounts, employees are receiving only fixed-income investments.

That may be fine for people in retirement, but it’s questionable for those with years to come in the work force. Employees may need to increase the equity allocations in their 401(k)s or other accounts.

The Background

At the peak for defined benefit plans, in the 1970s, as many as 62 percent of workers in the private sector were covered solely by these retirement plans, according to the Employee Benefit Research Institute, an independent organization that researches retirement issues.

By 2022, the institute found , only 1 percent of private-sector wage and salaried workers had just a defined benefit plan, while 41 percent participated in only a defined contribution — or 401(k) — plan, and 8 percent participated in both.

Underfunding of corporate pension plans led to the great shift away from defined benefit plans. At first, 401(k)s were supplementary savings vehicles for employees. Now, along with Social Security, 401(k)s have become core elements of retirement.

By closing the old defined benefit plans to new workers and by freezing benefits for people already enrolled in them, companies reduced their potential pension liabilities. They poured money into the old retirement plans to bring them into compliance with government rules, which were relaxed to give companies relief .

But canny management and cooperative financial markets have helped increase plan funding, too. Because pensions are a form of annuities, the increase in interest rates over the past couple of years has made it cheaper to finance existing pensions. On top of that, strong stock returns over the past decade have bolstered fund assets.

These factors have led to a sea change in the funding of the old corporate pension plans. (Public pension plans, on the other hand, face an estimated $1.45 trillion funding gap, according to the Pew Charitable Trusts .) For big companies, the average defined benefit private plan now has more than enough money to pay off its pension obligations. For defined benefit pension plans at S&P 500 companies, Aon says , funding levels rose to 102.7 percent on Feb. 6 from 78.4 percent in 2011.

The Bottom Line

IBM’s defined benefit pension plan is now extremely well funded. Its annual report shows that it had a $3.5 billion surplus in the plan last year, while it paid $550 million annually in 401(k) contributions. It doesn’t need to put fresh money into the pension plan and now, with the shift to the new retirement benefit accounts, it isn’t making 401(k) contributions either.

Professor Munnell estimated that IBM would be able to credit employees with benefits in the new accounts for at least the next six or seven years. Several pension consultants said that if market conditions were favorable, and IBM invested the $3.5 billion surplus at a higher rate of return than the fixed-income rates it was offering employees, it might be able to avoid deploying any cash on these benefits for many years.

The company said its retirement innovation was improving its finances. In an earnings call on Jan. 24, James J. Kavanaugh, IBM’s chief financial officer, said the company’s cash flow was better this year, in part because of “lower cash requirements driven by changes in our retirement plans.” That could be true for years to come.

Other companies with frozen plans that are fully funded could follow IBM’s lead.

This isn’t a return to the richer benefits for long-tenured employees provided by traditional defined benefit plans.

But perhaps cash balance plans combined with 401(k)s are the best that most big companies are likely to be offering. If so, Zorast Wadia , a principal and consulting actuary at Milliman, the pension consultant, suggested, there are a variety of ways of designing retirement packages that make use of pension plan surpluses. Unlike IBM, for example, some companies could continue their 401(k) contributions while starting cash balance plans.

Finding ways to use well-funded pension plans generously but responsibly is a challenge for big companies. IBM has moved cautiously. But it’s in nobody’s interest for companies to make pension promises that they can’t keep.

Jeff Sommer writes Strategies , a weekly column on markets, finance and the economy. More about Jeff Sommer

A Guide to Making Better Financial Moves

Making sense of your finances can be complicated. the tips below can help..

The federal financial aid formula used to give a break to families with two or more children in college at a time. That’s gone now, and some schools may not fill the gap .

Student loan borrowers who have access to a 401(k)-type plan, may soon generate retirement savings contributions from their employer by paying off their loans. Here’s how it works .

Are you trying to improve your credit profile? You can now choose to have your on-time rent payments reported to the credit bureaus  to enhance your score.

Americans’ credit card debt and late payments are rising, and card interest rates remain high, but many people lack a plan to pay down their debt. Here’s what you can do .

When banks close checking and credit-card accounts because of “suspicious activity,” chaos and anxiety ensue. It doesn’t have to be this way .

There are few challenges facing students more daunting than paying for college. This guide can help you make sense of it all .

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