Timeline of National Credit Education Month 2022

National Credit Education Month timeline

2009

Credit Card Act of 2009

Also known as Credit C.A.R.D., the Credit Card Act of 2009 shut down some malicious practices in the credit card industry and also required credit card companies to be more clear in their communications to consumers.

1968

Institution of the Consumer Credit Protection Act

An important governmental regulation was introduced in 1968 that helped protect consumers from unethical credit practices.

1958

Invention of the Term "Credit Rating"

Financial experts invent the concept of "Credit Ratings."

1520s

Appearance of the Term "Credit"

In 14th-century London, bankers and financial experts began to utilize the term "credit" to describe loan reliability.

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March is National Credit Education Month which means there is no better time to educate yourself and others on the importance of understanding the ins and outs of your credit score. Did you know that one in five Americans find errors on their credit reports and that more than 90% of home and auto insurers use credit ratings to decide who to cover and what premiums to charge? It’s for these reasons you should actively monitor your credit score as well as educate yourself on how to properly manage it. Let’s get started.

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World Speech Day 2022

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Speakers’ have become some of the most influential places for change in the world and for those who speak, those who write also have a monumental impact on the way that society is shaped.

World Speech Day makes way for a new line of inspiration, continuing the movement towards change in the world. World Speech Day is all about reaching out on a global scale, where those who have impacted their communities can tell their stories, their goals, and inspire others to do great things.  

History of World Speech Day

Launched by Simon Gibson, World Speech Day is a holiday and a non-profit organization that recognizes the power of speeches. Gibson founded this holiday based off of his previous work as a freelance speechwriter, working for companies such as Ford, IBM, BP, Shell, NatWest, Conoco, Toshiba.

His work in establishing a free database for contemporary and historical speeches inspired him to create World Speech Day to celebrate the profound impact speeches can have on the world.

Because speeches can play a profound role in the way that society is shaped, Gibson became this holiday back in June of 2014 to help others reach out and explore new ideas for better solutions.

Each year, over 100 nations participate in this event, including schools, universities, community groups, cafes, and speaker’s clubs. World Speech Day is made up of hundreds of individuals who want to live up to their full potential by inspiring others, and on this day, social media becomes one of the most powerful tools out there for getting voices out there to speak about the issues that are important to society.

Across platforms such as Twitter and Facebook, people post videos of their speeches, giving those the chance to be inspired and take action towards finding effective solutions to society’s social issues.

This day also allows others to share their experiences and reach out on a global scale so that way others can do the same.

How to Celebrate World Speech Day

One of the best ways that you can celebrate World Speech Day is by creating a video of your speech and sharing it on social media using the hashtags #worldspeechday and #unexpectedvoices.

If you’re passionate about an issue and wish to speak out about it, then this is an opportunity to do so. If you don’t feel that you’re great at speaking, then take the time to listen to others out there who have worked hard for their communities and achieved their goals at making the world a better place.

You can also go back in history, read up on and listen to some of the most famous public speakers such as Martin Luther King Jr and Nelson Mandela and go back in history for inspiration.

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World Consumer Rights Day 2022

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If you have ever purchased something and needed to return it, you have exercised your consumer’s rights. These rights have not always been something that was easily defined or enforced. The organization Consumers International has been bringing awareness to these rights with World Consumer Rights Day.

History of World Consumer Rights Day

Consumers International was founded in 1960 with the goal to fight for a fair, safe and sustainable future for consumers in a global market dominated by international corporations. Citing President John F. Kennedy’s groundbreaking address to Congress, they take his definition of consumer rights as their definition. It is also agreed that the President’s remarks set the ball in motion to make these rights something more than just words on paper, but rights that would come to be something enforceable.

World Consumer Rights Day originated in 1983 to mobilize citizen action. Citizen action groups have been a large part of bringing change into the marketplace. They have lobbied for safer products and protections from harmful practices and products. Over time, the consumer movement has worked to write what is now regarded as the 8 basic consumer rights. These rights include ideas such as the right to safety, the right to satisfaction of basic needs, the right to redress and the right to be informed.

Consumers International has over 200 members and spans 100 countries. They take their mission of being a voice and champion for consumers in policy-making forums and in the global marketplace. They work outside of any political parties and maintains their independence so that they can make sure that consumers are treated properly.

How to celebrate World Consumer Rights Day

Each year, World Consumer Rights Day adopts a theme to highlight. Some themes from the past have included antibiotic resistance and healthier diets. To celebrate in your community, look for events that are trying to bring awareness to consumer rights, or areas of public policy that need to be changed. The day is about mobilizing citizen action groups across the world and if everyone joined in to help in their own communities, it would come closer to meeting their goals.

Another way to spend the day is to find out what the goals are that being addressed and see if there are ways that you can help. It may take the form of emailing, writing or calling your local elected officials. Perhaps the need to look to Washington or other capitals that are making policy will need to be addressed. Consumers International is all about making sure that the voice of the consumer is never silenced. So, raise your voice and let it be heard!

President John F. Kennedy was a pioneer in many ways. On the day in March that he addressed Congress and set out his plan to give consumers rights made an impact on the world that is still felt today. Head over to consumersinternational.org and find out more about how you can take part in World Consumer Rights Day!

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