Contact: Pamela Bliss, Festival Director
Phone: 317-696-7349
Email: [email protected] 

The Wayne County Murals Program (WCMP) is announcing a Call for Artists to enter the 2024 Wayne County Murals Competition. Artists will be commissioned to complete their mural artwork and compete for three prizes of 1st place - $10,000, 2ndplace - $5,000 and 3rdplace - $2,500. The competition is set to begin early summer with awards announced early fall, 2024.

The Wayne County Murals Program “Call for Artists” is focusing on local, national and international artists aged 18 and up. The competition is already attracting entries from across the nation, however, and local artists, depending on artistic skill levels, will be given high consideration and are encouraged to apply.

A panel of judges will jury entrants and the selected finalists will be assigned to predetermined walls in Wayne County. Artists will be selected for their qualifications of skill, creativity and experience with large scale projects among other qualities. A map of the murals will be available to the public during the competition. Completed murals will be judged by a qualified panel of judges. Winning artists will be announced early fall.

Ten new murals will be brought to life during the competition and will also include a community mural where residents are encouraged to participate by adding their own artistic talents. These murals will join an already staggering 80+ murals that are depicted throughout Wayne County. The most recent mural completed in Cambridge City, highlights the history of the Overbeck Sisters and their impact to the surrounding community, Indiana and the nation. The Overbeck Sisters “Innovative Women IN Indiana” mural was made possible through an Indiana Destination Development Grant awarded in 2023.

​Those interested in applying should send an email of interest to Pamela Bliss, Wayne County Murals Programs, at [email protected] to receive a Request for Qualifications (RFQ) and Artist application information. Deadline to apply for consideration is April 1, 2024. Tentative timeline for mural installations will begin in July and completed by end of August, 2024. The competition is funded through the Wayne County’s Hoosier Enduring Legacy Program (HELP), Wayne County Convention & Tourism Bureau, Inc. and the Wayne County Foundation with program implementation managed by Pamela Bliss, WCMP Program Manager and the Wayne County Convention and Tourism Bureau, Inc.

A possible economic slowdown would be mitigated by the ongoing worker shortage.

A smaller workforce will define the economy in 2024. In fact, it will be the key economic challenge we face for the foreseeable future. A shortage of workers will be hard on businesses, but for some consumers it also means they will always be able to find a job that can support their spending. That will put a floor under any economic weakness in 2024.

Smaller Workforce Is Key to Understanding Future Economic Trends
Our workforce is too small because of simple demographics. The Baby Boomer generation was more than three times larger than the generation that came before it, the Silent Generation. As the Boomers entered the workforce in the early 1960s, labor force participation rose sharply.

However, the following generation, Generation X, was smaller than the Boomers. The Millennial Generation is only slightly larger than the Boomers, and Generation Z is slightly smaller than the Millennials.

This has created a demographic shortfall for the workforce. For economic growth, it is ideal for succeeding generations to be larger than the ones before them. Visualized, it should look like a triangle, with younger generations being larger than the ones that came before. Instead, we have an inverted triangle.

This means that as Boomers retire and exit the workforce, there are not enough workers in the younger generations to fully replace them. Boomers will still be spending and consuming, so businesses will still need to meet strong demand, but they will have to do so with a smaller pool of workers.


Worker Shortage’s Impact on the Economy in 2024
The economy is likely to slow in early 2024 because consumer spending is likely to slow. Consumers have relied on savings accumulated during the pandemic and credit card balances they paid down to keep their spending levels above inflation. Pandemic-era savings are largely gone for those who need them most, and credit card balances have risen sharply. Capacity to add more debt will be limited in 2024.

This will weaken spending and growth. The economy grew over 5% in the 3rd quarter of 2023 and is tracking to grow over 1% in the 4th. Growth is projected to slow even further in 2024. For instance, the Chamber projects the economy will grow a scant 0.2% and 0.4% in the second and third quarters, respectively. That is a far cry from growth in the third quarter of 2023.

The worker shortage will put a floor under how much the economy slows because job openings are going to remain far above the number of unemployed workers. Plus, wages have been growing smartly, and they are likely to continue to do so because the demand for workers outpaces their supply.  

Economic Headwinds Finally Take their Toll, Perhaps Enough for a Recession
Even with plentiful jobs and strong wage growth, the compound effects of savings being spent down, credit cards spent up, higher interest rates, and lingering inflation will weigh heavily on the economy in 2024.

The economy has still not fully absorbed the impact of higher interest rates that were necessary to fight inflation, and those higher rates will be a continuing drag on the economy.

While inflation is coming down, it remains above the Federal Reserve’s (Fed) 2% target. That means it will remain a hefty burden on consumers’ budgets and reduce the chances the Fed can lower interest rates soon.

All these factors add up to slowing consumer spending and a slowing economy in 2024 compared to a solid economy in 2023.
Whether the consumer slowdown causes a recession remains an open question. It is possible the combined force of these headwinds causes a recession in 2024. A recession is defined as two consecutive quarters of negative economic growth.
The last time we had two such quarters was the first and second quarters of 2022. Not many people remember those six months as a recession because key economic indicators such as jobs, spending, income, and manufacturing output all increased during that time – the first time they did so during a recession. The first half of 2022 is largely forgotten as a recession because on average the American people did not feel economic pain then.
We could have a similar scenario in 2024. The economy could slow, perhaps all the way to the point of meeting the technical definition of a recession, but because businesses need workers so badly, we do not see widespread layoffs. In fact, businesses may keep hiring even as the economy cools. In that case, we could have another recession where there the America people do not experience much economic pain.
Late 2024 and Beyond Forecast BetterOnce we emerge from that slowdown, the outlook for the U.S. economy is sunny for the remainder of 2024 and into 2025. Usually when an economy is hit with shocks, bubbles within the economy burst or weaknesses are exposed. We have had three large shocks in a row over the last three years (COVID-19 pandemic, inflation and higher interest rates) with no fallout, suggesting the underlaying state of the economy is strong.
Once inflation falls further and the economy more fully absorbs higher interest rates, it is poised to grow robustly.
Risks to the Positive ForecastAs is always the case, there are risks that could threaten the optimistic outlook. There are always unknown-unknowns, black swan events no one can predict that could imperil the economy – a pandemic, for instance.
There are more tangible threats for the economy in 2024 though. The riskiest is a severe drop in the office space market. The prices of office space buildings in urban centers have plummeted because of higher vacancy rates and higher interest rates. This is putting their owners and the owners’ lenders in a tight spot and could lead to a credit crunch at regional size banks. These banks are crucial suppliers of credit to small and medium-sized businesses, and they are the largest lenders to the owners of office space complexes. These banks need to cut back on lending as they sort through their losses on office space loans.
Geopolitics could also hurt the economy. Intensification of the Russia-Ukraine and Israel-Hamas wars could destabilize the global economy, which would hurt the U.S. economy.  And there is always the chance of an unforeseen conflict arising.
Lastly, there remains domestic U.S. political risk.  Congress still needs to pass a budget for fiscal years 2024 and 2025. It also needs to raise the debt limit before January 1, 2025. Failure to do any of these would mean a blow to the economy.
Bottom Line The economy faces serious challenges in 2024, as it always does. The worker shortage means consumers are better equipped to weather a potentially slowing economy to start the year. It also means that any slowdown is likely to be mild and that the economy is likely to rebound strongly.

The Corporate Transparency Act, which goes into effect in January 2024, may require your small business to report information about ownership to the government.

The Corporate Transparency Act (CTA) is going into effect on January 1, 2024, impacting millions of small businesses across the U.S.

Knowing the intricacies of this act and its potential impact is essential for small businesses. Otherwise, they may incur criminal or civil penalties for not filing or updating this report.

What is the Corporate Transparency Act?Enacted in 2021, the CTA aims to combat illicit activity including tax fraud, money laundering, and financing for terrorism by capturing more ownership information for specific U.S. businesses operating in or accessing the country’s market. Under the new legislation, businesses that meet certain criteria must submit a Beneficial Ownership Information (BOI) Report to the U.S. Department of Treasury’s Financial Crimes Enforcement Network (FinCEN), providing details identifying individuals who are associated with the reporting company.

The CTA was established to prevent individuals with malicious intent from hiding or benefitting from the ownership of their U.S. entities to facilitate illegal operations which, according to Congress, is a widely-used tactic that affects national security and economic integrity.

Who is considered a beneficial owner of a company?

According to the CTA, an individual qualifies as a beneficial owner if they directly or indirectly have a significant ownership stake in a company. This person either has a major influence on the reporting company’s decisions or operations, owns at least 25% of the company's shares, or has a similar level of control over the company's equity.

What information must be reported about a company’s beneficial owners? 

The details that reporting companies need to include in the BOI report vary based on the date their business was established. Businesses registered or established post-January 1, 2024, must provide information regarding the business, its beneficial owners, and its company applicants — including owners’ and applicants’ (if applicable) names, addresses, birthdays, and identification numbers (such as a license or passport number), and the jurisdiction of the documents. However, businesses established before that date can omit information regarding company applicants.

All reporting companies must provide their legal name and trademarks, as well as their current U.S. address, which could be either the address of its main business site or, for foreign-based companies, their U.S. operational location. They’ll also need to provide a taxpayer identification number and specify the jurisdiction where they were formed or registered.

Though no annual reporting requirement has been set, the initial filing period is not the only time you’ll be required to submit information, according to Roger Harris, President of Padgett Business Services.

“In addition to the required initial filing, there are requirements to update the original filing when things change,” Harris told CO—. “Some of the things that require an updated filing are not things a business owner has ever thought were important to track, and the timeline to report these changes can be as short as 30 days.”

Harris noted that business owners may be surprised by some requirements for updated filings. For instance, if a beneficial owner changes their address, legally changes their name due to marriage or divorce, or obtains a new driver's license, it may necessitate an update to a company’s BOI report. Operational changes or a new delegation of authority could also qualify.

“If you make changes in the operation and delegation of duties within your business that could be considered to give a new person substantial control of your business, you could be required to update your filings, even if the person performing those duties did not own any of the business,” said Harris.

What is the beneficial ownership information reporting process?

Beginning January 1, 2024, reporting companies will have a limited time to file their initial BOI reports. For qualifying reporting companies established before the above date, the filing deadline is January 1, 2025. Those created between January 1, 2024, and January 1, 2025, will have 90 days from either the actual notice of formation or public announcement, whichever comes first, to file. Businesses established on or after January 1, 2025, will have 30 days from notification or public announcement of their formation to submit their first report to FinCEN.

Two types of reporting companies will be required to submit BOI reports: domestic reporting companies, including LLCs, corporations, and other entities formed through filing with a secretary of state or a comparable office in the U.S.; and foreign reporting companies that are registered to conduct business in the United States through filing with a secretary of state or an equivalent office.

Businesses will not incur a fee for submitting their reports, and electronic forms will be available on FinCEN’s website.

Where can business owners get help with their beneficial ownership information reports?

Though companies may opt to file their own BOI reports, Harris advised business owners against this.
“It may not be difficult to complete the forms, but with everything a small business owner must do to operate a successful business, I fear this is something that could be missed or not done [promptly],” Harris explained.

Instead, he recommends consulting a knowledgeable advisor, such as an attorney or an accountant, when filing the initial and/or updated reports to ensure they’re completed on time and to FinCEN’s standards.

“There are some issues in the law that could require an interpretation of certain facts to determine who is a beneficial owner that must be included in the filings,” Harris said. “If you find yourself in this situation, ... consult with an attorney to help you decide how your set of facts fits within this law.”

For those with a straightforward path, Harris believes an accountant or tax preparer may be sufficient. However, he cautioned that not all accounting and tax professionals will offer this service due to potential insurance policy limitations.

“Some in the accounting and tax profession are not going to offer this service to their clients because the errors and omission policies these firms have will not cover these services,” Harris explained. “We are already seeing companies pop up that claim to be specialists in this area. If a business wants to go in this direction, they should make sure they choose a legitimate firm with the proper expertise and reasonable fees that will stand behind their work.”

CO— aims to bring you inspiration from leading respected experts. However, before making any business decision, you should consult a professional who can advise you based on your individual situation.

CO—is committed to helping you start, run and grow your small business. Learn more about the benefits of small business membership in the U.S. Chamber of Commerce, here.

Published December 19, 2023

U.S. Chamber of Commerce

The shortage is caused by a combination of zoning and financing rules and supply-chain constraints.
​
This commentary originally appeared in the Wall Street Journal May 16, 2022 print edition.
America faces a housing shortfall. For too long, supply simply hasn’t kept up with demand or household formation. Fewer new homes were built in the decade following the 2008-09 financial crisis than in any decade since the 1960s. Estimates vary, but the U.S. needs at least 1.5 million more homes.
The shortfall of affordable housing hurts America’s businesses and the broader economy by preventing workers from living in areas with economic opportunities but high housing costs. Employers are forced to operate below their potential because they can’t attract or retain workers. One study estimated that this misallocation could cost up to 2% of gross domestic product, or more than $400 billion a year in lost economic output. Housing costs also play a major role in inflation, making up the largest component of the consumer price index.
While the two of us don’t agree on every issue, we agree that the shortfall is longstanding and must be addressed. The good news is that there are proven ways that the administration, Congress, state and local governments, and the private sector can work together to build and preserve enough homes to end the housing shortfall in America. Here are three:
First, encourage the elimination of unnecessary barriers to housing production. For decades, exclusionary zoning laws—like minimum lot sizes, mandatory parking requirements and prohibitions on multifamily housing—have inflated costs and locked families out of areas with more opportunities. This year, the administration released three funding applications for competitive grant programs totaling nearly $6 billion that reward jurisdictions for land-use policies that promote density and rural main-street revitalization. Congress and state lawmakers can encourage such reforms as well.
Second, address other constraints to the production of housing across the country, from rising material costs to labor supply challenges. Helping to alleviate supply-chain challenges and attract more workers into the building trades will help us turn the record number of housing units currently under construction into homes where Americans can live.
Third, make it easier for developers to finance new housing, especially housing that is affordable to low- and middle-income families. To start, Democrats and Republicans in Congress have supported the creation and expansion of federal tax credits—like the low-income housing tax credit and the neighborhood homes tax credit—which are projected to enable the construction or rehabilitation of nearly one million affordable homes. Congress should enact and expand these credits without delay. At the same time the administration announces changes Monday to federal financing for affordable-housing development to address key market gaps and ensure these programs work more efficiently.
While recent home price increases have created wealth and financial stability for millions of American families, for too many others, affording a place to live has become a source of stress and instability, holding back economic growth and exacerbating inflation. By addressing these issues and the regulatory barriers that impede the construction of new affordable homes, we can help bring down costs for families and speed economic growth.
Ms. Clark is president and CEO of the U.S. Chamber of Commerce. Mr. Deese is director of the White House National Economic Council.

The Institute for Workforce Excellence is hosting a free webinar for employers to learn more about the Institute's Work and Learn Indiana program – specifically, how to create quality work-based learning opportunities and take advantage of EARN Indiana funding. Work and Learn Indiana has partnered with the Indiana Commission for Higher Education since 2013 to offer employers a 50% wage reimbursement for work-based learning experiences. In 2019, the program expanded to include high school students.

The Employment Aid Readiness Network (EARN) Indiana program is available to employers that offer high-quality work-based learning experiences and hire an eligible Indiana high school or college student. Employers can be reimbursed up to 50% of the student's wages for a qualifying experience and can receive up to $30,000 per fiscal year!

In this workshop, the Institute's team will walk attendees through connecting to the Work and Learn Indiana platform, posting internships, connecting with students and receiving EARN wage reimbursement. There are two opportunities to register for this webinar.

October 18, 12:30 - 1:30 pm EDT
October 31, 11:30 am - 12:30 pm EDT
Click on the corresponding registration buttons below to register for the webinars - 
​

​Work and Learn Indiana is a program of the Institute for Workforce Excellence,
a nonprofit subsidiary of the Indiana Chamber.
115 West Washington Street, Suite 850S, Indianapolis, IN 46204

While there are many tasks that artificial intelligence can perform, some jobs are best left to humans.

Experts are discovering new tasks that AI can perform every day. However, there’s limited value in using AI to take on certain business tasks — and in many instances, a human touch can significantly improve the customer experience.

As you seek to integrate AI into your business operations, keep in mind that it can’t completely replace your employees. Ultimately, AI is best deployed as a tool for automating mundane, repetitive tasks. Anything more advanced is better suited to human intervention.

Provide five-star customer service
There are parts of customer service that AI can improve. For instance, a chatbot installed on your company’s website can help answer basic questions and troubleshoot simple issues. These bots can learn over time and be set up to escalate more advanced queries to the right team member. And they can be available 24/7 to help customers navigate the website and find the information they need.
​
Any time a customer concern goes beyond a bot’s training, it should immediately be routed to a live support agent.
“There’s nothing more frustrating than when a company’s only contact method is a chat box where you’re getting generic responses back that don’t apply to your situation,” wrote Crummy Media Solutions, a digital marketing company. “While you can potentially use AI for some customer service tasks, or generic emails, you also need to recognize when a process or situation requires the human touch.”

Create a marketing strategyAI can generate blog posts, write marketing emails, distribute content on social media, and even create images and videos. But it can’t ensure this content will resonate with your customers.

“​​Generating content and generating leads or sales are two very different job descriptions. And at the end of the day, whether a human or AI creates your content, you need to have a strategy in place to turn that content into results,” wrote Daniel Griggs, Founder of ATX The Brand, in Forbes.
As Griggs noted, AI can help you create content, but it doesn’t automatically create results. It’s up to your team to know your audience inside and out. Only those involved in your business on a deeper level can set goals, interact with your customers day to day, and perform quality control to ensure content is unique to your brand identity.

Human resources and hiringHiring is another area where AI can automate repetitive tasks, such as interview scheduling, skill testing, and posting open positions on different job boards. But AI can’t find the right fit for your unique business culture. It also can’t personify your employer brand and convince a candidate to accept your job offer.
Likewise, you’ll need a real person to help meet your employees’ needs. “It's kind of in the name — but your company's Human Resources department will likely always need a human at the helm to manage interpersonal conflict with the help of non-cognitive and reasoning skills,” wrote HubSpot.

Quality control​
Tools like ChatGPT and Bard can create content fast, but there are quality issues — and possible copyright infringement risks — that can damage a small business’s reputation.
It’s essential to have an editor or copywriter look over AI-generated content before releasing it to the public. AI tools sometimes include errors, bad or repetitive syntax, and poor grammar. It can also lead to questions of plagiarism if you don’t have a human review the content.
“AI doesn’t cite its sources, making it challenging to confirm whether the information it’s providing you is uniquely written, or incredibly similar to the original work that inspired it,” wrote Crummy Media Solutions.
In addition, any content generated by AI should be tailored to your unique brand voice. Only a human can ensure that your content is consistent, cohesive, and compliant.

The Chamber Center for Excellence is a separate 501c3 organization, administered by the Wayne County Area Chamber of Commerce.  It serves as a fiscal sponsor for short-term projects by individuals or groups without a nonprofit designation to receive funds.  These initiatives promote, educate or enhance the community and align with the mission of the organization.  Coming to fruition this month is the latest by Susanna Tanner Photography with the “50 Over 50 Project”.
​
“In the spring of 2021, I decided to launch a photography project aimed to propel and empower women over the age of 50. As I enter this demographic myself, I’ve realized the declining perception of women in their 50’s, 60’s and 70’s+ in that they’re no longer beautiful by society’s standards and less capable than their younger peers. Invisibility sets in, as well as transitional times that leave a woman feeling less than; empty nesting, parental caretaking, divorce, overcoming health issues, and job loss name a few of the stories and compelling reasons women have told me they seek this opportunity. On the other hand, some women are taking their careers and lives into their own hands. In doing this, they are creating new businesses or ventures, switching gears or turbo-charging the area of a career, making a difference in their community, industry or the world—and shattering misconceptions about age and gender along the way.”
               – Susanna Tanner

With the goal of creating a supportive community and reminding people that beauty does not diminish with age, the effort that started with a few willing participants quickly developed into a meaningful experience.

“I’ve spent most of my life striving for the approval of others, often at my own expense,” said Darcey Meredith. “Just now, at 55, I’m starting to work on being more authentic—letting go of whom I think I’m supposed to be, or whom others expect me to be, and instead, uncovering and developing my true authenticity.” 

Susanna partnered with Richmond native Kate Jetmore who collaborated on the project.  Kate hosts “The Listen Podcast” and put her story-telling skills to work interviewing many of the women featured in the project.  The recorded podcasts will be able to be accessed on the 50 Over 50 website with the photographs.  “This allows exhibit visitors the opportunity to hear a woman’s own voice tell a piece of her story while studying her image,” Susanna said.

Dr. Lucinda Wright was initially hesitant.  “You see, I do not like being photographed.  However, after talking with (Susanna) about the project, I realized there was more to it than just being photographed.  It was about telling my story to possibly help others.”

The exhibit tells stories of women as young as 50 years old to the oldest of 93 years of age. They all had heartwarming feedback on their experiences.

“Susanna’s gentle reminders to shut off the critique mode we were in when seeing ourselves in the mirror, allowed me truly to see myself as a confident, proud, adventurous grammy with tattoos,” explained Shelley Miller. 

The portraits will be on display at Reid Health beginning August 5 and remaining through October.  Those with 3–5-minute audio interviews will be accessed via a QR code.  Each print will be for sale during the exhibition opening with all proceeds going toward women’s health initiatives at Reid Health. 

Throughout the exhibition, individuals, families and groups of all ages are welcome to peruse the images.  “I envision younger girls or women exposed to the exhibit through school trips or nonprofit groups,” Susanna said.  Each one will leave with a message that resounds the significance of beauty at any age.

Norene Groth summed up the experience, “The 50 over 50 project reminds me that aging is a privilege, and with aging comes wisdom, experience, grace, and gratitude.”

Special thanks to the following:
Reid Health
Womens Fund
Bill and Ruth Carter
Koechlein Family Fund
Warm Glow Candle Co.
Kate Jetmore (In-kind)
Suzanne Allain Designs (In-kind)

Wayne County Area Chamber of Commerce statement -
“The Chamber recognizes the strong need for quality healthcare in Wayne County.  We realize in a demanding and ever-changing market, organizations are adjusting their models to remain strong and viable long-term.  We plan to continue gathering information, convene important conversations, and proactively work with our local health care providers, such as Reid, to help ensure our community has the health services it needs to thrive in the coming years.”

Reid Health Press Release - 
Reid Health undergoes restructuring to bring down costs
July 11, 2023
Faced with an increasing gap between rising expenses and reduced reimbursement rates from insurance providers -- in particular Medicare Advantage and Medicaid -- Reid Health is taking steps to reduce costs and streamline efficiencies.
Recently, healthcare systems across the country have been battling a widening imbalance between rising costs related to inflation and reimbursements that haven't kept up with those costs, resulting in major financial issues unlike any Reid has dealt with in the past.
The factors at play include:

• Reduced volumes, especially in inpatient services
• Skyrocketing labor and supply costs driven by high inflation that exceeded 8% this year
• Tightening reimbursement from commercial and governmental payers that isn't keeping up with rising expenses to provide care (the traditional Medicare increase was only 2% this year versus an 8%-plus inflation in Reid's costs to provide that care)
• Continued challenges with effectively reduced payments from many Medicare Advantage programs when compared to traditional Medicare
• Difficulty receiving timely payment from various insurance providers

"The shortfall between increasing costs and the amount we receive is growing. The current model isn't sustainable, and it's forcing us to look for ways to reduce costs and be more efficient," said Craig Kinyon, Reid Health President/CEO.
Adding to the burden is the fact that insurance companies are slow to reimburse for patients with commercial insurance after care has been delivered. In many cases, claims are even outright denied despite having prior authorization.
"Healthcare organizations across the state and nation are making difficult decisions to stay afloat in this challenging environment," said Brian Tabor, President of the Indiana Hospital Association. "I'm concerned we may see more reductions in hospital services over the coming months as Medicare and Medicaid payments continue to fall further below the cost of delivering care, exacerbating the fragile state of hospital finances.
"We need Congress to reject proposals that would impose Medicare cuts and urge the State of Indiana to provide short-term Medicaid relief to avoid this trend continuing across the state."

The Reid Health Governing Board has been working with a consultant to identify opportunities to streamline organizational operations, reduce costs, and improve efficiencies.
Over the past few weeks, Reid has taken steps to reduce duplication and costs within its executive leadership and middle management teams. Doing so allows Reid to streamline reporting structures and identify efficiencies for cost savings.
As a result, some roles are being eliminated. Affected employees have the opportunity to apply for other open positions for which they're qualified, and some have chosen to stay with Reid.
In addition, Reid will close the Reid Employee Wellness, Sports Performance, and Massage Therapy departments along with the HealthWorks Fitness Center in Connersville. HealthWorks will close on July 31.
The same factors affecting Reid's finances are impacting other health systems across the country, including here in Indiana. For example, Ascension St. Vincent recently closed a hospital in Bedford as well as 11 primary care and other centers across Central Indiana.
"These are the kinds of tough conversations families have around the kitchen table during hard times," Kinyon said. "When your income is reduced while your expenses increase, changes must occur. That's the situation we're in today.​

"This process to better align our costs and resources will ensure we can continue to provide exceptional care for those we serve. We remain committed to our mission to lead our communities to well-being, one person at a time."

Date: July 6, 2023
Contact: Robin Henry Assistant Vice President of Human Resources
Phone: 765.598.5009
Email: [email protected]
For Immediate Release
​
3Rivers Federal Credit Union, one of the top performing credit unions in the state of Indiana, announces the addition of 10 Member Service positions in their Richmond, Indiana based Call Center. This expansion represents 3Rivers commitment, dedication and investment in Wayne and Union Counties to provide rewarding employment opportunities while delivering exceptional member service to 3Rivers members and the community.

3Rivers Credit Union has consistently received national award recognition for workplace excellence, and is known as an employer of choice in the region. 3Rivers seeks team members who thrive in a fast paced environment, are motivated by growth, innovation, and a culture rooted in community giveback. 3Rivers offers generous benefits and compensation plans to reward continuous performance and personal growth. The minimum starting wage is $15.75. Pay is commensurate with experience.

Benefits Include:
- Ongoing training and career advancement opportunities
- Comprehensive health, dental, and vision insurance plans
- 401(k) plan with generous matching contributions
- Paid vacation, sick, and float time. Including 9 paid federal holidays.
- Paid volunteer time to give back to the community
- Employee assistance program for personal support

Joining 3Rivers means becoming part of a dynamic and inclusive work environment where contributions are valued, rewarded, and make positive impacts in the lives of our team members, members, and community.

For more details on benefits and to apply for one of the 10 Contact Center positions or any other open position, please visit www.3riversfcu.org/careers and submit your application online. Experience in the financial industry is not required. Qualified individuals are passionate about learning, growth and helping others.