California Educator

June/July 2019

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Gen Z At the Ballot Box G E N E R A T I O N Z cast 4.5 million votes, or 4 percent of the total number of votes, in the 2018 midterm elections — a sizable number given that it only counts those who turned 18 after 2014. Analysis of U.S. Census data by Pew Research Center in May found that 30 percent of Gen Zers ages 18-21 turned out in the first midterm election of their adult lives. In fact, the three younger generations — Gen X, millennials and Gen Z, or those ages 18-53 in 2018 — cast 62.2 million votes, compared with 60.1 million cast by baby boomers and older generations. According to the report, Gen Z's impact will likely be felt more in the 2020 presidential election, when they are projected to be 10 percent of eligible voters. For details, go to Source: Pew Research Center analysis of 1978–2018 Current Population Survey November Supplements (IPUMS and U.S. Census Bureau). Younger generations outvoted older generations in 2018 Reported votes cast in midterm elections, in millions 10 10 20 90 70 50 80 60 40 30 '78 '82 '86 '90 '94 '98 '02 '06 '10 '14 '18 Gen Z, Millennial and Gen X Boomer and prior generations 62.2 0 60.1 80.3 69.6 29 J U N E / J U L Y 2 019 FIND YOUR DREAM HOME AND Provident Credit Union's Mortgage Program 1. Relationship pricing credit of the additional $250 off closing costs is based on you having one of the following Provident products: home equity loan/line of credit, auto/boat/RV/motorcycle loan, checking with direct deposit, or certificate/IRA. 2. Single family/owner-occupied homes and second homes in California only. Other restrictions may apply. Membership required. Subject to final approval. 3. The guarantee to close within 10 business days does not apply if delays occur by third parties, including but not limited to realtors, borrowers, and/or sellers. Down payment must be from borrower's own source of funds and does not include non-lender paid fees, impounds, or reserves. Provident Credit Union guarantees to close your loan by the date specified in the purchase contract, provided this date is 10 business days from contract date and we have received a complete loan application and all requested documents. If the loan fails to close on time due to a delay by Provident Credit Union, we will credit $995.00 of the buyer's closing costs at time of funding (POWER Funding must be requested at time of application). This offer may not be combined with other satisfaction guarantee offers. Borrowers must meet Provident Credit Union's lending guidelines. Any alteration to the loan amount or loan terms by, or per request of, borrower will invalidate the guarantee. Property must appraise at or above the sale price. POWER Funding is only available for properties in the Bay Area, which include San Mateo County, Santa Clara County, San Francisco County, Alameda County, and Contra Costa County. Other restrictions apply. NMLS #412725 ©PCU 5/19 • Exclusive .125% mortgage rate discount for CTA members • $100 discount on a standard mortgage loan for CTA members • Receive $250 towards closing costs from Provident Credit Union 1 • Exclusive Movable ® Mortgage 2 • Experienced and knowledgeable Provident Mortgage Consultants to guide you • Power Funding 10-Day Guarantee 3 Three ways to apply: 1) Online at 2) Visit your local branch 3) Call (800) 632-4600 Approved by: SAVE Enroll in Online Banking to receive payment alerts, check your balance, transfer funds, and pay your mortgage loan. GET PRE-APPROVED FOR A PROVIDENT MORTGAGE LOAN.

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