Secu employees - Al Hudaydah ( Arabic: الْحُدَيْدَة, romanized : Al Ḥudaida) is a governorate of Yemen. Its capital is Al Hudaydah. The governorate is also sometimes referred to as the Western Coast. …

 
 Human Resource offerings for State employees and HR professionals. The mission of the Human Resources Division (HRD) is to attract, engage, educate, develop and retain a high performing and diverse workforce. We partner with secretariats and agencies to develop progressive HR policies, guidelines, process, best practice and HR innovation. . Noaa weather for portland oregon

SECU Adjustable Rate Mortgages Loan Request. Thank you for your interest in our Home-Equity Line of Credit program. You may print the Loan Information Checklist, gather the requested information and apply for the home equity loan through our Contact Center at 919-857-2055 locally/ 866-515-8452 toll free or take it to your local branch.State Employees' Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only. As a service to our members, we will attempt to assist those who have limited English proficiency where possible.Online Security. For immediate assistance, contact our 24/7 Member Services at (888) 732-8562 . It is increasingly important to take the necessary steps to make sure your account information is not compromised due to the rise of identity theft and fraud. SECU has implemented a variety of precautions to make sure our … State Employees' Credit Union - Home. Enroll in Member Access. To enroll in Member Access, you will need the following: 16-digit ATM/Debit card number. 3-digit voice response number. Enroll Now. Learn more about our online security and browser requirements. TurboTax Receive up to 20% off with TurboTax®. Learn More ». 3. Strategize your repayment plan. There are two primary approaches to debt repayment: The Debt Snowball: Coined by personal finance guru Dave Ramsey, the debt snowball method prescribes paying off the smallest debt first. Once the smallest debt is paid off, those funds “snowball” into paying the next smallest …Coin to Deposit (C2D) – deposit funds via the kiosk into your primary SECU Checking or CPG account for immediate availability using any SECU debit card; Redeem your voucher with a teller to receive cash, deposit into an account, or …Al Hudaydah ( Arabic: الْحُدَيْدَة, romanized :al-ḥudayda ), also transliterated as Hodeda, Hodeida, Hudaida or Hodeidah, is the fourth-largest city in Yemen and its principal port …SECU's lending programs are available for properties located in North Carolina, South Carolina, Virginia, Georgia, and Tennessee unless further restricted as outlined below. First Time Homebuyer's Mortgage This special mortgage is designed to assist members who wish to realize the dream of owning their first home.Al Hudaydah ( Arabic: الْحُدَيْدَة, romanized : Al Ḥudaida) is a governorate of Yemen. Its capital is Al Hudaydah. The governorate is also sometimes referred to as the Western Coast. …Your donation of toys, books, and other gifts recognizes children across the state who may not otherwise receive gifts. Thanks to our many members and friends for their generosity during this and every season of the year. Bringing joy to children with toy donations at each SECU branch. SECU employees gather toys during 2022 … SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Lenoir, 503 Wilkesboro Blvd NE, Lenoir, NC. State Employees Credit Union of Maryland (also known as SECU of Maryland or SECU Maryland or SECU MD) is a state-chartered credit union headquartered in Linthicum, …Fast Cash Account - Designate an account for quick withdrawals. Fast Cash Amount - Choose increments of $20, $40, $60, $80, $100 or $200. Look for MY SECU on the main menu of the CashPoints ATM. 1 Share Term Certificates (STCs) are not displayed at the ATM. 2 All transactions performed by SECU-issued cards at a CashPoints ATM are fee …Sep 8, 2023 · The State Employees’ Credit Union is a credit union owned by North Carolina state employees. SECU is the second-largest credit union in the U.S. The credit union provides members with basic... Option to send paper checks to individual and business payees if electronic payments are not available. Enter up to 15 one-time payments at a time. Over 15,000 payees sent electronically. Online BillPay service is a quick, convenient and less expensive alternative to writing and mailing checks each month.State Employees' Credit Union corporate office is located in 119 N Salisbury St Fl 10, Raleigh, North Carolina, 27603, United States and has 4,973 employees. state employees' credit union.Mobile Payments. With Mobile Payments, you can securely use your SECU debit or credit card with just one tap or click from your device. They are secure and simple to use with all of the benefits of your SECU debit and credit cards. Apple Pay TM is the easy, secure and private way to make purchases with your iPhone ®, Apple …Register SECU’s Mobile App in 4 Steps. Enter your existing Member Access User ID and password. Answer your security question or enter One-Time Passcode. Set your new device passcode for additional security. Set up Touch ID or Face ID. Manage Accounts. View account balances. View transaction details. Manage Cards.The Select Employees Credit Union will meet the needs of members by providing financial products and services delivered with integrity, personal care and individualized attention. Skip to main content. Select Employees Credit Union. Rates. 815-626-8181. Search. Online Applications & Forms. Accounts. Regular ...State Employees' Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only. As a service to our members, we will attempt to assist those who have limited English proficiency where possible.Mobile & Online. Mobile Services. Alerts Mobile App Mobile Payments One Time Passcode Two-Way Text Messaging Visa ® Secure Remote Commerce. Online Services.Share Term Certificate (STC) Account. State Employees' Credit Union offers members the opportunity to earn a higher rate of interest on their savings if they invest their funds for a fixed period of time in one or more STCs. Members have the option to open regular STCs with 6- to 60-month terms or a series of five laddered … New User Information. If you're opening an account, enrollment can be handled at the time of account opening. If you're not opening a new account at this time but wish to add online banking capabilities, please call 800-983-7328 and speak to a helpful State Employees representative to complete the process. The SECU Fast Mortgage experience includes faster solutions for all borrowers, regardless of delivery channel: in person, by phone, or online. Excellent Service. Local loan decisions and account servicing at your convenience. We are committed to offering the best member service experience in the industry and look forward to …A free inside look at NC State Employees' Credit Union salary trends based on 1646 salaries wages for 443 jobs at NC State Employees' Credit Union. ... Maryland SECU. 3.4. 115 Reviews. Compare. Truliant Federal Credit Union. 4.1. 125 Reviews. Compare. PNC Financial Services Group. 3.5. 9,835 Reviews. …Mobile & Online. Mobile Services. Alerts Mobile App Mobile Payments One Time Passcode Two-Way Text Messaging Visa ® Secure Remote Commerce. Online Services.SECU’s Routing Number. 253177049. Sample Checking Account Number. 12345678. Checking account numbers, as they appear on SECU physical checks, include a prefix of "086," which is not …We have a personal loan with SECU. The loan process was very quick, and our loan is at a better rate than anywhere else. — Member for 10+ years. Ted Gonzales, Board Member. What I love about State Employees Credit Union is they have been here for more than 50 years. Their name hasn’t changed, the stability in knowing … The 253177049 ABA Check Routing Number is on the bottom left hand side of any check issued by STATE EMPLOYEES CREDIT UNION. In some cases, the order of the checking account number and check serial number is reversed. Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank. SECU accepts and processes wire transfer requests sent through our secure Net24 Online Banking service. You can also complete a wire transfer form when providing complete identity verification at our branch office. No wire transfers are allowed to fully embargoed countries. Wire transfers to countries under comprehensive …Individual Retirement Account (IRA) Reach your retirement goals with an SECU IRA. Tax benefits and compounding can save you more over time. Open and maintain an account with as little as $25. View the current dividend rate (compounded daily, paid monthly). Set up Funds Transfer or Payroll Deduction …Membership Eligibility. State Employees' Credit Union is a member-owned, not-for-profit cooperative. Membership is limited to persons who meet the eligibility requirements. …SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Laurinburg, 381 Plaza Rd, Laurinburg, NC. 1 Properties must be located in North Carolina, South Carolina, Virginia, or Georgia. 2 Manufactured homes cannot serve as collateral. 3 Property insurance is required. 4 Fees payable to third parties to open the line of credit generally range from $0 to $1,850. Processing fees on lines of credit secured by property in Georgia, Virginia and ... A CD is a NCUA-insured, longer-term investment account that earns a fixed rate of interest (or dividend) for a certain time period. SECU members can open a 6, 12, 18 or 36-month CD that renews automatically at the current rate. CD accounts require a minimum deposit of $1,000.00. We’ll help you reach your long-term savings goals! Check out SLB ... Share Term Certificate (STC) Account. State Employees' Credit Union offers members the opportunity to earn a higher rate of interest on their savings if they invest their funds for a fixed period of time in one or more STCs. Members have the option to open regular STCs with 6- to 60-month terms or a series of five laddered STCs with graduated ... Analyzed Business Checking. For businesses with high account activity. Accumulates earnings credits based on combined business accounts. Monthly fee: $10. Includes 150 combined items and $5,000 cash in per month at no charge*. To open an account, visit a SECU branch or contact a Business …Contact Your Local Branch. The Credit Union is open Monday thru Friday from 8:30 am - 5:30 pm. View our calendar for designated holidays. For immediate assistance, or for questions and/or concerns, please contact your local branch office. You may contact our 24/7 Member Services at any time for most of your financial needs at …SECU will not ask for personal information such as online credentials, account numbers or card numbers via email, voice or text messaging. ... State Employees’ Credit Union conducts all member business in English. All origination, servicing, collection, marketing, ...Mobile Payments. With Mobile Payments, you can securely use your SECU debit or credit card with just one tap or click from your device. They are secure and simple to use with all of the benefits of your SECU debit and credit cards. Apple Pay TM is the easy, secure and private way to make purchases with your iPhone ®, Apple … Insurance representatives are licensed to sell in North Carolina only. In the effort of continuing to educate our youth on financial responsibility, State Employees' Credit Union offers members ages 13-19 the opportunity to participate in our Zard program for teens. Focused on helping teens develop solid money management skills, the Zard ... SECU Life Insurance Company is a wholly-owned subsidiary of State Employees’ Credit Union. Life insurance is not guaranteed by, a deposit of, or an obligation of any credit union and is not insured by NCUA or any other federal government agency. Insurance Representatives are licensed to sell in North Carolina only.Keystroke logging programs capture and send User ID and Password information credentials keyed by consumers on their personal computer. Enabling the "Remember me" feature will reduce the chance that a keylogger will capture your User ID credentials and reduce the chance of fraud on your account. For immediate assistance, contact our 24/7 …SECU will advance the closing costs on any primary or second home with a loan amount of $500,000 or less, regardless of credit score and/or the number of SECU Home Equity loans the member has had. Closing costs generally range from $850 to $1,000 on a $20,000 loan or line of credit. If line of credit is paid off within 36 months of original ... State Employees' Credit Union Real Estate (SECU*RE) is a wholly owned property management subsidiary of SECU specializing in the renting of single family residential properties in North Carolina. With over 1,000 actively rented properties across the state, SECU*RE is committed to providing our tenants with safe, affordable, and energy efficient ... State Employees' Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only. As a service to our members, we will attempt to assist those who have limited English proficiency where possible.The Credit Union offers 5-Year Adjustable Rate Mortgage (ARM) products to purchase or refinance primary residences, second homes, and investment properties located in North Carolina, South Carolina, Virginia, Georgia and Tennessee unless further restricted as outlined below. The maximum loan amount depends on many …State Employees' Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only. As a service to our members, we will attempt to assist those who have limited English proficiency where possible.Visit WebsiteAsk QuestionWrite Review. State Employees' Credit Union is a Federally Insured State Chartered Credit Union with 241 branches, assets of $24,776,228,627 that is headquartered in Raleigh, NC. The State Employees' Credit Union motto is People Helping People and we operate with the working principle of Do …SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Raleigh - New Hope Rd, 1595 Corporation Parkway, Raleigh, NC. Mobile App. Mobile Check Deposit is Here! Watch on. New. Debit Card Lock. Protect your account from unwanted transactions by locking your debit card directly from your mobile device. New. Quick View. View your account balances without logging in to the app. Account Information. Discounted Employee Loan Benefits; SECU Member Benefits; Benefits at a Glance "SECU is a great place to work and takes care of its employees. Leadership does a great job ensuring that SECU is a fun place to work and employees have generous health-care benefits, life insurance and retirement offerings."Feb 23, 2024 · 2.75%. 2.79%. Federally insured by NCUA. APY = Annual Percentage Yield. APY is accurate as of 9/21/2023. The minimum balance to earn interest on Share Term Certificates (STCs) is $250. Interest accrues as simple daily interest. Rates are fixed for the term of certificate and are determined by the length of the term. Mobile & Online. Mobile Services. Alerts Mobile App Mobile Payments One Time Passcode Two-Way Text Messaging Visa ® Secure Remote Commerce. Online Services.With unlimited access 2 to your credit line through real-time loan advances, 3 our variable-rate 4,5 Open-End Signature loan is one of our most flexible finance options. Minimum payment based on the outstanding principal balance. Can serve as a protecting account for your Credit Union Checking account through participation …SECU is the second largest credit union in the United States with $54 billion in assets. It serves nearly 2.8 million members through 275 branch offices, 1,100 ATMs, …SECU is committed to serving your needs not only by providing affordable products and services, ... Envestnet, Inc. is not an affiliate or subsidiary of State Employees’ Credit Union. For immediate assistance, contact our 24/7 Member Services at (888) 732-8562. Security ...SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Indian Trail, 1390 Wesley Chapel Rd, Indian Trail, NC.Mobile & Online. Mobile Services. Alerts Mobile App Mobile Payments One Time Passcode Two-Way Text Messaging Visa ® Secure Remote Commerce. Online Services.SECU is committed to serving your needs not only by providing affordable products and services, ... Envestnet, Inc. is not an affiliate or subsidiary of State Employees’ Credit Union. For immediate assistance, contact our 24/7 Member Services at (888) 732-8562. Security ...SECU Debit Cards. Card Type. Account Required. Daily Purchase Limit 5. Daily Withdrawal Limit 6. SECU Visa. Checking. $4,000. $1,000. Zard Visa. Zard Checking. $1,000. $200. ... Please be advised that State Employees' Credit Union is only responsible for the content we post to our social media sites. For more detailed …The Credit Union offers 5-Year Adjustable Rate Mortgage (ARM) products to purchase or refinance primary residences, second homes, and investment properties located in North Carolina, South Carolina, Virginia, Georgia and Tennessee unless further restricted as outlined below. The maximum loan amount depends on many …State Employees’ Credit Union (SECU): A non-profit financial institution that is owned by employees of the State of North Carolina. The State Employees’ Credit Union (SECU) was founded in 1937 ...New User Information. If you're opening an account, enrollment can be handled at the time of account opening. If you're not opening a new account at this time but wish to add online banking capabilities, please call 800-983-7328 and speak to a helpful State Employees representative to complete the process.We are now confronted with an April 11, 2024 deadline at SECU for resolution. Would note that Mr. Adam Olls, SECU attorney, at yesterday's SECU election procedure review meeting; justified continuing the illegal practice of excluding eligible members from self-nomination by repeatedly citing federal …Mobile Payments. With Mobile Payments, you can securely use your SECU debit or credit card with just one tap or click from your device. They are secure and simple to use with all of the benefits of your SECU debit and credit cards. Apple Pay TM is the easy, secure and private way to make purchases with your iPhone ®, Apple …Apply to refinance your student loans with SECU! We offer: Refinancing available up to $150,000. Competitive fixed rates with 5-, 10- and 15-year repayment terms. Competitive interest rates as low as 4.42% APR* (includes 0.25% discount for optional enrollment in automatic electronic payments) Consolidate for one easy …SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Raleigh - 801 Hillsborough St, 801 Hillsborough St, Raleigh, NC.1 Properties must be located in North Carolina, South Carolina, Virginia, or Georgia. 2 Manufactured homes cannot serve as collateral. 3 Property insurance is required. 4 Fees payable to third parties to open the line of credit generally range from $0 to $1,850. Processing fees on lines of credit secured by property in Georgia, Virginia …In 1937, State Employees’ Credit Union (SECU) started with 17 members. Today, it serves over 2.4 million members, with over $40 billion in assets. It has more than 260 branch locations and offers loan products, investment accounts, insurance and estate planning.SECU is committed to serving your needs not only by providing affordable products and services, ... Envestnet, Inc. is not an affiliate or subsidiary of State Employees’ Credit Union. For immediate assistance, contact our 24/7 Member Services at (888) 732-8562. Security ...Browse all State Employees’ Credit Union Branches in NC for banking, ATM, mortgage loan, home loan, auto loan, checking, savings, ... SECU will not ask for personal information such as online credentials, account numbers or card numbers via email, voice or text messaging.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ … Mortgage Calculators. To estimate your mortgage payment, review our mortgage products and select an option that meets your needs. Adjustable Rate. Fixed Rate. First Time Homebuyer. Calculators that SECU offers which will help you make a more informed choice. All owners (or required agents) must be present to sign in front of the employee who is guaranteeing the signature (s). As there may be additional documentation required in certain situations, we recommend contacting your local branch in advance. For immediate assistance, contact our 24/7 Member Services at (888) 732-8562 .SECU will not ask for personal information such as online credentials, account numbers or card numbers via email, voice or text messaging. ... State Employees’ Credit Union conducts all member business in English. All origination, servicing, collection, marketing, ...Membership Eligibility. State Employees' Credit Union is a member-owned, not-for-profit cooperative. Membership is limited to persons who meet the eligibility requirements. …State Employees' Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only. As a service to our members, we will attempt to assist those who have limited English proficiency where possible.State Employees' Credit Union has partnered with AAA Insurance to offer members property and liability coverage through a variety of personal line insurance products. AAA Insurance is one of the largest independent personal lines providers in North Carolina. Automobile,Homeowners, Mobile Home, Modular Home, Renters, …NC State Employees' Credit Union has an overall rating of 3.4 out of 5, based on over 870 reviews left anonymously by employees. 59% of employees would recommend working at NC State Employees' Credit Union to a friend and 41% have a positive outlook for the business.SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Hendersonville, 1377 Asheville Hwy, Hendersonville, NC.SECU will not ask for personal information such as online credentials, account numbers or card numbers via email, voice or text messaging. ... State Employees’ Credit Union conducts all member business in English. All origination, servicing, collection, marketing, ...SECU monitors your account activity daily and may potentially decline a card transaction from an unusual location. ... State Employees’ Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only.Contact us for more information about loan assistance or to discuss how we can help if you’ve been impacted by COVID-19. Online. Send us a secure message through Member Access. By Phone. Call your local branch or our 24/7 Member Services at (888) 732-8562. For immediate assistance, contact our 24/7 Member Services at.By submitting this form you are consenting to receive marketing emails from Connecticut State Employees Credit Union. You can revoke your consent to receive emails at any time by using the Unsubscribe link found at the bottom of every email. SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Lenoir, 503 Wilkesboro Blvd NE, Lenoir, NC. Origination fee 1.00% of loan amount (cap of $2,500) No application fees or credit report fees. Private mortgage insurance is not required. Initial rates are subject to change daily. 1 APR = Annual Percentage Rate. APR is your cost over the loan term expressed as a rate. Stated APR based on a purchase transaction with a loan amount of $150,000 ...

Browse all State Employees’ Credit Union Branches in NC for banking, ATM, mortgage loan, home loan, auto loan, checking, savings, ... SECU will not ask for personal information such as online credentials, account numbers or card numbers via email, voice or text messaging.. Restore cedar rapids

secu employees

New User Information. If you're opening an account, enrollment can be handled at the time of account opening. If you're not opening a new account at this time but wish to add online banking capabilities, please call 800-983-7328 and speak to a helpful State Employees representative to complete the process. Established in 1923, the Pennsylvania State Employees' Retirement System is one of the nation's oldest and largest statewide retirement plans for public employees. Our mission is to prepare our members and participants to achieve financial success and security in retirement. Established in 1923, the Pennsylvania State Employees' Retirement System is one of the nation's oldest and largest statewide retirement plans for public employees. Our mission is to prepare our members and participants to achieve financial success and security in retirement. Combine multiple accounts to a single statement 2. Choose your statement cycle date 3. View statements online immediately once available. Print or download statements for safekeeping. Receive alert notifications when your statements are available 4. Access year-end tax documents online. Sign up for E-Statements. SECU is offering an additional 0.50% interest rate discount to certain qualifying* North Carolina state employees and state retirees. Apply for an Auto Loan. Whether you’re buying your first car or upgrading to the vehicle of your dreams, as an SECU member, you have access to our competitive auto loan interest rates that fit your budget. SECU is offering an additional 0.50% interest rate discount to certain qualifying* North Carolina state employees and state retirees. Apply for an Auto Loan. Whether you’re buying your first car or upgrading to the vehicle of your dreams, as an SECU member, you have access to our competitive auto loan interest rates that fit your budget. Fast Cash Account - Designate an account for quick withdrawals. Fast Cash Amount - Choose increments of $20, $40, $60, $80, $100 or $200. Look for MY SECU on the main menu of the CashPoints ATM. 1 Share Term Certificates (STCs) are not displayed at the ATM. 2 All transactions performed by SECU-issued cards at a CashPoints ATM are fee …SECU serves members through more than 260 statewide branch offices, nearly 1,100 CashPoints® ATMs, 24/7 Member Services via phone and a website, www.ncsecu.org. We look forward to serving you at State Employees’ Credit Union, Raleigh - 801 Hillsborough St, 801 Hillsborough St, Raleigh, NC.SECU will not ask for personal information such as online credentials, account numbers or card numbers via email, voice or text messaging. ... State Employees’ Credit Union conducts all member business in English. All origination, servicing, collection, marketing, ... Louisiana Employees Online (LEO): Payroll, benefits, emergency contact, employee and training information. Questions or problems? After an emergency or weather related state office closure, a toll free advisory number will be activated. For the office closure advisory, dial 800-360-9660 (outside Baton Rouge) or 225-342-0498 (within Baton Rouge). We would like to show you a description here but the site won’t allow us.Register SECU’s Mobile App in 4 Steps. Enter your existing Member Access User ID and password. Answer your security question or enter One-Time Passcode. Set your new device passcode for additional security. Set up Touch ID or Face ID. Manage Accounts. View account balances. View transaction details. Manage Cards.Register SECU’s Mobile App in 4 Steps. Enter your existing Member Access User ID and password. Answer your security question or enter One-Time Passcode. Set your new device passcode for additional security. Set up Touch ID or Face ID. Manage Accounts. View account balances. View transaction details. Manage Cards.State Employees' Credit Union (SECU) offers the Estate Planning Essentials Program, which allows members to meet with participating attorneys and have estate planning documents prepared at a predetermined price. SECU is committed to providing financial planning services and an estate plan is an important piece of a … SECU Foundation established the People Helping People four-year scholarship program to help North Carolina public high school students attend college. Each of the 115 North Carolina Local Education Agencies (LEAs)/School Districts will receive a minimum of one scholarship valued at $10,000 payable at $1,250 per semester for up to eight ... .

Popular Topics