then i think that's a problem from a communications perspective. oh . a palestinian teenager is killed and dozens of others are injured during clashes with israeli soldiers in the west bank and gaza. also in the headlines kosovo to

create its own army drawing condemnation from serbia on warnings from e.u. and nato the plan could threaten regional stability. in government is forced into embarrassing over its high spending budget plans in a bid to avoid e.u. sanctions critics cry double standards towards europe. similar plans in the past. the latest stories head over to. stay with us now though for the big picture . if you're a new parent congratulations and start saving for college immediately if you're a recent not so recent grad you know why on this week's show loan debt you have options but first workplace gender inequality hopes that need to move. i'm hala cook in washington this is the big picture on our t.v.

america. declaring independence from the english crown american columnist asserted that all men are created equal two hundred forty two years later are we stalled their recent survey data from lean in oregon mckinsey and company b. trail workplace playing field that is still not gender level the average woman's annual salary is still about eighty percent of the average man's gender inequality in the workplace women vastly under represented at every level especially for women of color one in five senior business leaders are women one in twenty five women of color entry level hiring fifty four percent men forty six percent women management

level sixty two percent men thirty eight percent women a couple more numbers more women have been earning bachelor's degrees than men for several decades now and despite conventional wisdom they are not leaving the workforce to raise children or for any other reason significantly higher numbers than men so why is the glass ceiling still intact and how is it costing companies and productivity let's ask deborah vague and senior vice president of public policy and research for the american association of university women welcome back thank you so much it's a pleasure to be here again hey old habits die hard how much of this skewed hiring and promotion mindset is just generational well unfortunately as you well know did current statistics so current decisions about hiring and paying and promoting women show that discrimination continues to this day i think we can say safely that the types of the. scriven ation that we see. there it's

a bit more subtle than it used to be that while there might be completely overt barriers to women or workers of color entering the workforce or getting paid properly or getting promotions now we see more subtle things at play so there may be generational changes but the problems continue well it sure dollars and sense numbers are a workplace that is less diverse than its products customers is leaving money on the table example the home improvement to destry where i've worked for a couple of decades despite its guy thing toolbelt caricature more home repair and home remodeling and other do it yourself dollars are spent by women than men and that is a factoid that surprises many men would not and tree level applicant advantage herself by similarly digging deep into a company's customer to wow woman the interview well we still see you're absolutely right companies are leaving money on the table they're leaving the money of

consumers that may be put off by male dominated industries where sexual harassment is prevalent but they're also leaving company profits behind because data shows that more diverse executive boards or leadership of companies whether that's ethnically diverse or gender diverse make more money. as for advancement one of the traits and tactics that will position upwardly mobile women when management positions open up well i think we talk about this glass ceiling right so people have this idea of women can make it all the way to the top and then they need to break through the glass ceiling i think that that is actually true but another sort of appropriate description could be rather than a brac a glass ceiling could be a labyrinth or a maze so there are barriers to women success all along the process so what we need is. better company policy is we need flexible policies so that caregivers whether

they are male or female can advance we need better mentorship unspent sponsorship programs for women so that they can succeed but we also need to strengthen policies employers can do this on this their own but we also need to pass state and federal laws that mandate stronger protections for equal pay strengthen pregnancy discrimination and sexual harassment at work and finally america doesn't have paid family and medical leave or paid sick leave on a uniform basis those all help women advance too and when that promotion opportunity opens up be prepared to document what you've accomplished right absolutely and that's good advice for anyone but i think that there is still implicit bias or unconscious bias when it comes to thinking about women in leadership so clearly documenting all of the work that you've done selling yourself negotiating for higher salaries all of that is beneficial for women deborah

vagrants from the american association of university women thanks for coming back and happy holidays to you too thanks for having me with new charges against former c.b.s. c.e.o. les moonves the me too movement fueled by accusations against bill cosby harvey weinstein and so many other public figures continues to raise consciousness about sexual assault and harassment how has this impacted the american workplace let's ask our relationship coach deanna lorraine author of making love great again the new road to reviving romance and winning relationships her website is her name deanna lorraine dot com welcome thanks so much for having me now even before all of this me too movement was in the workplace romantic relationships fraught of course yes i mean look two thirds of people meet people at the workplace you spend so much time at the workplace so it actually. is kind of

a good place to meet someone that you're going to be in a romantic relationship with or a marriage with because you're having so much in common right off the bat and you share tight quarters with each other so yes it has been fraught with romantic relationships but what we definitely don't want is unwanted romantic relationships and gestures at the workplace right right we recently spoke to h.r. consultant david lewis who told us that these bombshell news stories have is phone ringing non stop david and each time one of these stories hits the news cycle the complaints increase the investigations increase the awareness increases and companies are adjusting culture as a result is a bigger part of your practice than it was a year ago. well at this point last year we had one individual dedicated to training and development as it relates to workplace harassment we now have seven. no corporate middle manager wants to get dragged into the conference room for that

meeting no accordingly i've heard you speak to the reality that middle managers may no be oversteering that's costing women job and promotion opportunities talk about little with all of this lean and talk a lot of men have actually started leaning out and they are saying that there's so many men that are now not wanting to hire women not wanting to promote women even women based on their merit who are actually more qualified and are less likely to mentor women because they're so uncomfortable and worried of false accusations or just getting into a position where they can be held liable for something where they didn't even do anything where they were innocent and with all of this talk of me too and men are kind of guilty until proven innocent and harassment is very subjective these days it's become very subjective we've seen people getting fired for a joke that they were telling their colleagues in another room right and we were seeing people getting fired for e-mails being sent in private and all of

a sudden women are going after them sort of a lynch mob in a lynch mob format going after them and this is a big problem when we don't know what the line is between true legitimacy harassment sexual harassment and what's just you know normal workplace conversations and if women want to share leadership positions with men and women when men want to share the stage with men want to be and male dominated workplaces then they're going to have to understand also what that line is and know what is what really is locker room talk for instance what is just men joking with their colleagues what is appropriate friendly gestures or friendship kind of conversation and what is legitimate sexual harassment because men should not be losing their jobs they should not be having their reputations tarnished and smeared because of something like that that that was an actually legitimate the warning light went on when you search the e-mail got to be careful because you know that of created a document right yeah i have printed document. and look and that's the thing where everything is traceable right now right but when we have men you know we just saw

that the numbers when there comes a story like this that breaks out men are being told and sort of you know slapped on the hand even more and there's more accusations of sexual harassment that are coming out so a lot of women are feeling pressure to report things or maybe thinking in their head this is harassment when it actually isn't not to say that there are so many cases that are justifiable but so many men now are not hiring women they're actually not wanting to work with them not wanting to mentor them and not even wanting to date them or be in relationships with them and the sad thing is they're teaching their sons also you know hey record conversations whenever you're alone with a woman have the mike pence rule where you're never alone with i mean any right men are actually less likely to go to a work function with a woman alone to go on a work trip with her alone or a work dinner or work lunch with her alone because they're worried about the situation these are real numbers coming in and you know some women just say men suck it up right just suck it up and figure it out because we're coming and women are the future but that's not the way to handle this either we need to figure out

why men are worried and what men and women can do about it and if the fent pendulum swing so far over that men feel that there's no place for them in america anymore only got about a minute when your advice would be valuable to women watching fuel short changed in the workplace this way advice yeah i mean you need to get ahead based on your merit and by your qualifications right you can accept that someone is going to you know create this gender parity rule where women are supposed to get ahead and not work as many hours as men are not put in the correct talent or merit right women need to be getting ahead and being promoted based on their potential based on their credentials and not expect any kind of handout either and also it's not the men's fault that they're not being promoted there's not you know when we're talking about implicit bias that's such a difficult thing to measure now we caution a woman to not talk about implicit bias or sexism as sort of this. scapegoat which has been so much the conversation lately and instead focus on what you can do

personally to get promoted as ahead what you can do to get ahead and get those later but later suppositions if you want to and not worry about what men are doing or not doing potentially cause that show up work hard produce narrow results exactly like a concept thought author and relationship coach deanna loraine come again will you i'd love to any time coming up are you drowning in debt from student loans you're not alone and you have options this is the big picture on our team america. you know i work with potential school shooters for a period of twelve years and none of the students who we work with in our facility syllabi ever went on to commit a school shooting so that gives me hope that if you catch the students early enough or provide the kind of support and mental health treatment that they need but they

can come out of the crisis. i've been saying the numbers mean something they matter the u.s. is over one trillion dollars in debt more than ten thousand dollars fine tamping each day. eighty five percent of global will be loans to the ultra rich eight point six percent market saw a thirty percent rise last year some with four hundred to five hundred trees per second per second and between rose to twenty thousand dollars. china's building two point one billion dollars a i industrial park but don't let the numbers overwhelm. the only numbers you need to remember is one one does not show you know ford to miss the one and only.

the most pointed a gun for losses since candidate comes to football. impressed me with it you need. to push. the system to sports but what's going to happen when you go for the doll what the fuck are. you doing you know the filth that's the kid needed to be you know. with the focus now. on your good fortune this creature has

a purpose to your prostate cancer struck. the customer because. forbes magazine reckons that student loan debt is now the second highest consumer debt category second only to mortgages and higher than credit card debt staggering more than forty four million borrowers collectively ohl over a trillion and a half dollars twelve zeros the average class of twenty sixteen grad olds over

thirty seven thousand the average twenty seven thousand grand over almost forty k. and some eleven percent of student loan debt isn't default or ninety days dealing quant millennialists average twenty seventeen balance due is more than double with generation x. are still low a fifth of genex were carrying college debt in two thousand and four and a third of millennia are now why the hole is getting deeper the rising cost of higher education and increase in college enrollment due to the great recession and parents just can't afford it so how do we dig out of this hole let's ask two who are at student loan debt ground zero once upon a time speaker author adjunct professor and soon to be doctoral degree recipient sonia lewis was the self-proclaimed overdraft queen deeply in debt fast forward her

company student loan dr l.l.c. owned and operated by black women now helps borrowers develop repayment plans via loan rehabilitation consolidation refinancing and loan forgiveness and jostling garcia is president of the united states student association founded in one thousand nine hundred forty seven whose million and a half student members are fighting for education justice welcome both sonia if you could talk to the younger you what advice would you give her about debt. you know i was thinking on their question and it's a really go one i would really have to tell my younger self to choose a profitable major a lot of times we see students including myself there go into college with no game plan out not even think about what the marketplace really needs in in how i guess and talents can support that so i would tell myself for sure college is a wonderful tool but make sure that it has

a good return on investment just this week a sobering number from the apartment list study by the federal reserve bank in new york less than one eighth of college grads with student loan debt will be able to scrape together the twenty percent downpayment they're going to need to buy a house within the next five years and two thirds will need more than two decades to get there just so in young people today are being told the same thing my baby boomer cohorts and i heard strive work hard in the american dream will be yours what has changed between my generation and yours that has yours questioning that american dream thank you so much for having me here and that's a great question education has become very expensive there has been a disinvestment from state and federal governments federal aid covers a very small percentage of what it comes down to our education costs and addition.

since one thousand eighty seven to wish it has increased one hundred and sixty one percent that is one hundred sixty one percent that's a lot and these situations make it very difficult for millennial is to bring out the same results as baby boomers so. the economy to wish and there is a disinvestment or an education but what has not changed is the work ethic and i do feel it is a problem too often blame an individual and say you're not working hard enough you're not making the smartest decisions millenniums are working two to three jobs trying to make the most to ensure that they're able to get a chance at their american dream but as he said there are drastic changes that have taken place between these generations and it's important for arsed to be very clear ambriel with those changes so we can make better policy decisions for the best of this country yeah i agree i think this slacker millennial caricature is

a ripoff but joslin even in this full employment economy many recent grads remain underemployed possibly working several part time barista type jobs correct. absolutely. there have been studies that show that one in three millennia old and recent graduates are working in underemployed occupations which means that the occupations they take do not require a college degree going back to the changes that have been taking place within our generations a student in one thousand eighty seven could be working part time and similar occupations as the ones that are working right now and be able to cover one hundred six percent of the costs that would need to attend university of central florida however and this case you have millennia old students and recent graduates working two or three jobs of similar occupations but they can only cover sixty eight percent of the costs related to an education i think an. other thing that i'd like

to add to the first question is that there has been a huge phenomenon around for profit institutions where students are being targeted to attend institutions that do not give great degrees or in fact useless to graze however they have students take out thousands of dollars in student loans our education is becoming commodified it is a privilege and there is a chunk of this country particularly the one percent who are making money off of the education and student loans of students you know the education industrial complex will sonia you're the expert hopeless as this situation may seem borowitz do have options what are the avenues they might not know about to which you steer your clients. so a couple of things are a lot of times when we see their clients are unable to pay because of income that they're earning or not earning they sometimes do not consider the income driven

repayment absence that are available previous to the administration we currently have the obama administration did a really really great job with creating new were payment plans that were really inclusive and affordable for a lot of americans and so i always encourage people to take a look at those plans actually under about those plans to see if it's a good fit the other thing is to really really keep in mind that if you are looking to home by which was previously mentioned that it might be wise to actually home by before going to grad school or going for a higher degree such as a doctoral degree what we see a lot of times is that the bestiary day is pretty manageable but when we talk about unmanageable payments and i'm able to repay these loans we're talking about private day we're talking about graduate day and so we always say you can definitely buy a home and then go back to school but it makes it more difficult if you have a lot of school loans and trying to home buy and then the last thing a last thing is action such as loan forgiveness public service loan forgiveness

teacher loan forgiveness nursing loan forgiveness is real in is a viable option it is sometimes going to need that the person are looking into the job market be very tactful in mindful about which sabzi choose which employer they work for so their forgiveness could definitely be action for them if well in this full employment economy that's one of the new purchases and it will help you out with your student. yeah yeah louis. well i was going to say and even different different states are making a new tax incentives play is to say hey listen if you'll come here if you move here to this state then we would definitely give you tax credits as was all of your student loan payments for moving to the states so there are a lot of new options available in states that will be trying to take good control of this beyond the federal level to you know the downside the opposite would be brain drain joslin to what degree and no pun intended do colleges and universities

some of which are very well and dowd share the blame is to wish and cost inflated well it's a really complicated answer there are many parts into this big problem that we're facing to wish in hikes do happen a lot even when i was an undergrad one of the biggest fights that i was dealing with was ensuring that our tuition was not going up at the university of california however again it does have to do with the disinvestment from our state and federal governments the fact that as a culture we keep seeing this problem as an individual one and we're not taking responsibility as a country to address this crisis so yes there are two wish and universities have a role responsibility to this but so does everyone else and education is a right it is not a privilege we need to be doing the best we can to solve this crisis because it is going to hurt us it is hurting us right now it's going to hurt us up in the future

this is not just about economic justice is also about racial justice we have to think about or the people that we want to ensure be uplifted through our education and we need to be able to make the means so that they are able to succeed in this country and so this country can able to progress as dr sonya was saying this does impact your ability to be able to purchase homes and be able to make investments so it's really important that we deal with this crisis immediately just one what letter grade would you. give education secretary betsy device oh i'm going to. well . i don't she does not in my opinion wanted during the obama and astray sion are currently being backed i was a student negotiator for the bar defense and goetia role making committee bar defenses a program that was able to provide federal student loan forgiveness to a lot of our borrowers who were essentially lied to or taken advantage of by institutions that i mentioned earlier so currently the secretary isn't really

working for the best interest of students how allow the public to use the facts to be able to make their own opinion a sony got about a minute left but there's no better way to invest that time give me your best stuff what is your advice for students and parents who are vetting colleges. absolutely so i have a catch in time here goes determination equals cove where compensation so we're really all skiing perience incidence of the very very mindful of what it is that they will lights pursue in the location they would like to pursue i think we need this cal our community colleges which are very very well staffed with some of the same professors you would pay for at an exhibit him outright and i think the other thing is parents really need to become earlier on invested in the college process so i understand you know different absence of eligible to help pay for college is

one the best schools that someone could look into and says this and the scholarship so be more proactive instead of reactive is definitely going to make good advice thank you justin garcia united states student association and student loan dr sonja lewis thank you and edition to sonia's website the student loan doctor l.l.c. dot com you should poke around make a lemonade dot seo student loan debt hero dot com too and if you missed our july thirteenth show you can find it where you'll find all our shows at youtube dot com slash the big picture our t. and that is the big picture holland cook in washington back here same time next week and in the meantime i am at holland cook on twitter where if you follow me i'll follow you question more.

dress in a survives a no confidence vote but now is a lame duck heartbreaks it looms angle of merkel as an. sounds to room pending political retirement and the menu well moral legitimacy as president of france is in the balance the three pillars of the e.u. are on shaky ground is the euro project suffering a crisis of competence. mind share that's where the the playing field the battlefield of the furniture center so we're at war right now i mean so whether you know it trickles down to bullets and bombs and guns and stuff i mean that's immaterial we're already out war right now

it's being played out in our collective unconscious if you wake up in the morning if you feel it was a massive headache it's because china and america are at war in your mind. to do the same. there on the cheap first and then to improve all that come through so let's. get right let's go to his computer he said if we give them everything we have to discuss. this country because this is what we don't understand how we are in such i'm content. to the ones.