As the Boy Scouts of America goes through a contentious bankruptcy, dozens of lawyers are working on the case. Many are charging more than $1,000 an hour.
While there are increasing signs of a recovery from the Great Recession, years of economic progress have vanished for many African Americans and Hispanics in particular, and home ownership remains largely out of reach. That has put new energy into efforts to ensure that the economic turnaround is more inclusive.
“The CFPB’s work in the area of fair lending is a priority and has only just begun,” the agency declared. In this presentation, we walk you through some of its biggest impacts.
To learn how you can stay current in today’s rapidly changing banking and financial industries, visit http://www.lexisnexis.com/banking.
For more topics that are transforming the legal industry,
visit http://www.thisisreallaw.com.
Should you file bankruptcy (chapter 7; oregon attorney)Blaine Clooten
Blaine Clooten, an Oregon Bankruptcy attorney, based in Hermiston, OR, provides insight on eligibility for filing a chapter 7 bankruptcy. Some common questions, and key concerns. For more information, links to additional resources are provided.
Kegler Brown's creditors' rights and bankruptcy attorneys presented this seminar to a full house on 6/10/2009. Topics covered included an overview of collections in today's economy, the necessity of critical contract terms and negotiations, and resources that every credit manager can use to improve his or her collections process.
As the Boy Scouts of America goes through a contentious bankruptcy, dozens of lawyers are working on the case. Many are charging more than $1,000 an hour.
While there are increasing signs of a recovery from the Great Recession, years of economic progress have vanished for many African Americans and Hispanics in particular, and home ownership remains largely out of reach. That has put new energy into efforts to ensure that the economic turnaround is more inclusive.
“The CFPB’s work in the area of fair lending is a priority and has only just begun,” the agency declared. In this presentation, we walk you through some of its biggest impacts.
To learn how you can stay current in today’s rapidly changing banking and financial industries, visit http://www.lexisnexis.com/banking.
For more topics that are transforming the legal industry,
visit http://www.thisisreallaw.com.
Should you file bankruptcy (chapter 7; oregon attorney)Blaine Clooten
Blaine Clooten, an Oregon Bankruptcy attorney, based in Hermiston, OR, provides insight on eligibility for filing a chapter 7 bankruptcy. Some common questions, and key concerns. For more information, links to additional resources are provided.
Kegler Brown's creditors' rights and bankruptcy attorneys presented this seminar to a full house on 6/10/2009. Topics covered included an overview of collections in today's economy, the necessity of critical contract terms and negotiations, and resources that every credit manager can use to improve his or her collections process.
Daniel E. DeKoter, J.D., is a partner at Dekoter, Thole, Dawson & Rockman, PLC. An alumnus of the University of Iowa in 1980, he practices in civil litigation, business and employment law, and estate planning. https://danieledekoter.tumblr.com/
Paul Donion, International Business Law Professor at the University of Washington at Tacoma holds a JD degree from Seton Hall School of Law as well as a Master’s degree in International Finance from Harvard University. In this brief presentation, he describes the 9 different types of jurisdiction and their descriptions.
These are essentially mortgages that the banks knew they did not own, but were willing to break the law in order to put homeowners out on the streets to satisfy their insatiable greed for even more money.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
Daniel E. DeKoter, J.D., is a partner at Dekoter, Thole, Dawson & Rockman, PLC. An alumnus of the University of Iowa in 1980, he practices in civil litigation, business and employment law, and estate planning. https://danieledekoter.tumblr.com/
Paul Donion, International Business Law Professor at the University of Washington at Tacoma holds a JD degree from Seton Hall School of Law as well as a Master’s degree in International Finance from Harvard University. In this brief presentation, he describes the 9 different types of jurisdiction and their descriptions.
These are essentially mortgages that the banks knew they did not own, but were willing to break the law in order to put homeowners out on the streets to satisfy their insatiable greed for even more money.
All product and company names mentioned herein are for identification and educational purposes only and are the property of, and may be trademarks of, their respective owners.
PAGE 4Financial Institutions and PolicyAssignment 1Instruct.docxalfred4lewis58146
PAGE
4Financial Institutions and PolicyAssignment 1
Instructions: Attempt the following exercises
Exercise 1
A) Read the attached article and answer the following question using arguments based on the article.
a) Summarize the article
b) Do banks themselves represent a moral hazard and adverse selection problem for their depositors and the financial system? How does the government protect the financial system against adverse selection and moral hazard that certain banks pose for the financial system?
B) The following questions are independent of the previous questions.
Let
s
P
be the present discounted value of the incomes from the assets (or the interest payments on liabilities) over the average duration T of the assets (or liabilities) when the interest rate
i
is low or
s
i
i
=
. Let
h
P
be the present discounted value of the incomes from the assets (or the interest payments on liabilities) over the average duration T of the assets (or liabilities) when the interest rate
i
is high or
h
i
i
=
. If we express the interest rate in decimal form then
s
s
h
s
s
h
i
i
i
T
P
P
P
+
-
-
»
-
1
We define the net worth of the bank as the difference between the present discounted value of the incomes from the assets and the present discounted value of the interest payments on its deposits. Define, the interest rate risk as the change in the net worth of the bank as the consequence of change in the interest rate or as the difference between the change in the present discounted value of the assets and the change in the present discounted value of deposits.
A bank has $100 million of assets with an average duration of 4 years and $90 million of deposits with an average duration of 6 years.
c) Estimate the interest rate risk when the interest rate increases from 0.02 (=2%) to 0.04 (=4%)? .
d) To reduce its interest rate risk should the bank try to change and in which direction the average durations of its assets and its liabilities?
Exercise 2
a) If people were free to join or not a defined contribution pension plan, would most of them choose not to be members?
b) What is the difference between a defined benefit plan and the Canadian Pension Plan?
Read pages 20-26 of the paper “The Relative Roles of Monetary Policy and Financial Regulations in the development of Financial Crises” By Hassouna Moussa. Answer the following questions using the arguments and data contained in the article.
c) Consider the following assertion: “Some people claim that the banking regulation and supervision in Canada allowed the Canadian financial system to escape unscathed from the 2009-2009 financial crises”.
What are the major differences between the US and Canadian systems of banking regulation and supervision that could justify the previous assertion?End Bank of America liable for Countrywide mortgage fraud
By Nate Raymond, NEW YORK Wed Oct 23, 2014 6:57pm EDT
(Reuters) - Bank of America Corp was found liable for fraud on Wednesda.
RespondThe brokerage firm of E. F. Hutton was charged with fe.docxwilfredoa1
Respond:
The brokerage firm of E. F. Hutton was charged with federal criminal violations of interstate funds transfers. In reviewing the case, the lawyers for the government discovered internal Memoranda from and between branch managers in several states that outline a process for check kiting (a literal stringing together of checks and deposits) that enabled E. F. Hutton to earn interest on phantom deposits.
In 1985 E. F Hutton was found guilty of check kiting managers of the firm use check kiting technique to obtain legal interest over large sums of money, lawyers of government discovered internal memoranda from an between branch managers in several states that outlined process for check kiting that unableed E. F Hutton to earn interest on phantom deposits. E. F Hutton was charge with federal criminal violations.
The case will be tried in the Federal District Court by the United State Attorney, under the Federal Court System because the Federal District has the jurisdiction that involved cases from different states and also the damage exceeds $75,000. Because is a federal crime it is tried a Federal district.
The obligations of the layer is to draft the documents without a perfume with the complete facts and transaction of the fraud committed. The company’s obligation was to show the correct financial statements, the company have the right to provide the correct documents and financial statements to the court. Company have to take steps in order to avoid any future possibilities of having any more frauds.
EFH manager should not disclosed the documents to the government. Managers need communicate to the directors about the situation and look solutions to find the way to avoid future fraud for happen.
Respond:
The phrase Stare Decisis comes from Latin and means "let the decision stand". It is a doctrine that allows judges to examine previous cases as examples to make decisions about new cases. Stare Decisis is closely connected to the idea of a precedent. This means that if a Supreme Court has previously made a ruling on a similar case, it will use that precedent as a model for another case. However, following a precedent does not necessarily mean that all similar cases will be decided in the same way. Other factors, such as context or changes in societal views, can also influence whether or not a precedent will be followed.
One of the most talked about recent U.S. Supreme Court decisions was the April 2018 decision of Janus v. American Federation of State, County and Municipal Employees. The case was brought by Mark Janus, a child support specialist who worked for the state government in Illinois. He sued the union, saying he did not agree with its positions and should not be forced to pay fees to support its work. By a 5-to-4 vote, the court ruled that government workers who choose not to join unions may not be required to help pay for collective bargaining. This ruling overruled the court's 1977 decision in Abood v. Detroit Bo.
James Sanders - The Greatest Trade EverJames Sanders
Here we have discussed about the tips to greatest trade ever and its steps which will provide the help to drives the economic growth and increase the efficiency.
MOYERS AND COMPANY WHY WALL STREET MAY BE GETTING OFF EASY .docxgilpinleeanna
MOYERS AND COMPANY: WHY WALL STREET MAY BE GETTING
OFF EASY
Bill Moyers
This week on Moyers and Company. That deal between the Justice Department and JPMorgan Chase requires a
second look.
Gretchen Morgenson
If the Justice Department were being tough on Wall Street, they would be talking about bringing criminal cases
against individuals who helped to perpetrate this immense crisis.
Male Speaker
Funding is provided by Carnegie Corporation of New York, celebrating 100 years of philanthropy and
committed to doing real and permanent good in the world; the Kohl berg Foundation; Independent Production
Fund with support from the Partridge Foundation; a John and Polly Guth Charitable Fund; the Clements
Foundation; Park Foundation, dedicated to heightening public awareness of critical issues; the Herb Alpert
Foundation, supporting organizations whose mission is to promote compassion and creativity in our society;
the and Bernard and Audre Rapoport Foundation; the John D. and Catherine T. MacArthur Foundation,
committed to building a more just, verdant and peaceful world. More information at macfound.org; Anne
Gumowitz, The Betsy and Jesse Fink Foundation; the HKH Foundation; Barbara G. Fleischman and by our sole
corporate sponsor, Mutual of America, designing customized individual and group retirement products, that is
why we are your retirement company.
Bill Moyers
Welcome! You could not miss it here in Manhattan the other day, the big, bold headline across the front page
of the tabloid, New York Post, screaming one of those sick, slick lies that are a trademark of Rupert Murdoch's
right wing media empire. There was Uncle Sam, brandishing a revolver and wearing a burglar's mask. "Uncle
Scam," the headline shouted, "U.S. robs bank of $13 billion."
Say what? That my friends, is pure whitewash and Murdoch's minions know it. That $13 billion is the
settlement the country's biggest bank is negotiating with the government to settle its own rip-off of American
homeowners and investors, those shady practices that five years ago have triggered the financial meltdown
including manipulating mortgages and sending millions of Americans in the bankruptcy are foreclosure. And
this is not the only scandal JPMorgan Chase is juggling. A six billion dollar settlement with institutional
investors is in the works and criminal charges may still be filed in California. The bank is under investigation on
so many fronts, it is hard to keep them sorted out. Everything from the deceptive sales and its credit card
union, to Bernie Madoffs Ponzi scheme, to the criminal manipulation of energy markets and the bribing of
Chinese officials, nor is JPMorgan Chase the only culprit under scrutiny.
Bank of America was found guilty just this week of civil fraud and eight other banks are being investigated by
the government for mortgage fraud. No wonder Wall Street's camp followers at Fox News, the Wall Street
Journal, CNBC and other cheerleaders h ...
Preparing For The Changing Dynamics And Scope Of Federal Preemption In The Pr...Rachel Hamilton
Cheryl Slipski, EVP & General Counsel, TxVia, Inc., New York, NY
Robert Rowe, Vice President & Senior Counsel, Center for Regulatory Compliance, American Bankers Association, Washington, DC
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
"𝑩𝑬𝑮𝑼𝑵 𝑾𝑰𝑻𝑯 𝑻𝑱 𝑰𝑺 𝑯𝑨𝑳𝑭 𝑫𝑶𝑵𝑬"
𝐓𝐉 𝐂𝐨𝐦𝐬 (𝐓𝐉 𝐂𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧𝐬) is a professional event agency that includes experts in the event-organizing market in Vietnam, Korea, and ASEAN countries. We provide unlimited types of events from Music concerts, Fan meetings, and Culture festivals to Corporate events, Internal company events, Golf tournaments, MICE events, and Exhibitions.
𝐓𝐉 𝐂𝐨𝐦𝐬 provides unlimited package services including such as Event organizing, Event planning, Event production, Manpower, PR marketing, Design 2D/3D, VIP protocols, Interpreter agency, etc.
Sports events - Golf competitions/billiards competitions/company sports events: dynamic and challenging
⭐ 𝐅𝐞𝐚𝐭𝐮𝐫𝐞𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬:
➢ 2024 BAEKHYUN [Lonsdaleite] IN HO CHI MINH
➢ SUPER JUNIOR-L.S.S. THE SHOW : Th3ee Guys in HO CHI MINH
➢FreenBecky 1st Fan Meeting in Vietnam
➢CHILDREN ART EXHIBITION 2024: BEYOND BARRIERS
➢ WOW K-Music Festival 2023
➢ Winner [CROSS] Tour in HCM
➢ Super Show 9 in HCM with Super Junior
➢ HCMC - Gyeongsangbuk-do Culture and Tourism Festival
➢ Korean Vietnam Partnership - Fair with LG
➢ Korean President visits Samsung Electronics R&D Center
➢ Vietnam Food Expo with Lotte Wellfood
"𝐄𝐯𝐞𝐫𝐲 𝐞𝐯𝐞𝐧𝐭 𝐢𝐬 𝐚 𝐬𝐭𝐨𝐫𝐲, 𝐚 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐣𝐨𝐮𝐫𝐧𝐞𝐲. 𝐖𝐞 𝐚𝐥𝐰𝐚𝐲𝐬 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐭𝐡𝐚𝐭 𝐬𝐡𝐨𝐫𝐭𝐥𝐲 𝐲𝐨𝐮 𝐰𝐢𝐥𝐥 𝐛𝐞 𝐚 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐨𝐮𝐫 𝐬𝐭𝐨𝐫𝐢𝐞𝐬."
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
Website – www.pmday.org
Youtube – https://www.youtube.com/startuplviv
FB – https://www.facebook.com/pmdayconference
VAT Registration Outlined In UAE: Benefits and Requirementsuae taxgpt
Vat Registration is a legal obligation for businesses meeting the threshold requirement, helping companies avoid fines and ramifications. Contact now!
https://viralsocialtrends.com/vat-registration-outlined-in-uae/
What is the TDS Return Filing Due Date for FY 2024-25.pdfseoforlegalpillers
It is crucial for the taxpayers to understand about the TDS Return Filing Due Date, so that they can fulfill your TDS obligations efficiently. Taxpayers can avoid penalties by sticking to the deadlines and by accurate filing of TDS. Timely filing of TDS will make sure about the availability of tax credits. You can also seek the professional guidance of experts like Legal Pillers for timely filing of the TDS Return.
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
LA HUG - Video Testimonials with Chynna Morgan - June 2024Lital Barkan
Have you ever heard that user-generated content or video testimonials can take your brand to the next level? We will explore how you can effectively use video testimonials to leverage and boost your sales, content strategy, and increase your CRM data.🤯
We will dig deeper into:
1. How to capture video testimonials that convert from your audience 🎥
2. How to leverage your testimonials to boost your sales 💲
3. How you can capture more CRM data to understand your audience better through video testimonials. 📊
1. Foreclosure Fraud and Lawsuit against Banks<br />Due to the recent investigations, Bank of America, GMAC Bank, JP Morgan Chase and other banks that launched foreclosure process were sued for loan fraud. Statements of the bank staff show that there was a lawsuit against bank for predatory lending, and which may include the loan documents of millions of homes owned by innocent U.S. owners.<br />In addition, Wells Fargo Bank has also received lawsuit filing for illegal lending practices on innocent and hard working homeowners.<br />This unpleasant and arrogant display of lawlessness by the banks has raise an eyebrow from the Feds and other federal government agencies in the form of civil or criminal investigations as each lawsuit against banks are filed every day.<br />Recently, the generals of Arizona and Nevada filed a civil complaint and lawsuit against bank of America for fraud to the homeowner looking for loan modification. The government also started the application to study this financial fraud, bank lawsuit and is prepared to prosecute economic crime in the credit and financial markets. It is a matter of time until the bank fraud is proven that this group of political administrators will fix the integrity of the banks, along with the lawyers who represent them.<br />These are basically mortgages that banks knew were not proper. They knew, but were willing to break the law to prey on homeowners to satisfy the insatiable bank greed for more wealth.<br />Despite the clear and convincing evidence in the form of statements from bank employee, commercial banks were performing as if nothing had happened, which results in federal authorities given the green light to investigate the myriads of cases of lawsuit against bank.<br />Until the Department of Justice decides, the FDIC take criminal action against these banks, the owners have no choice but to implement their own legal strategies available to fight for their home. <br />Since most of these cases involve proving that banks have no legal entitlement to foreclosure because of prior fraud, a homeowner has several legal strategies available to avoid bank lawsuit and fraudulent foreclosure on their home. One of the most popular strategies in recent times is quot;
produce a demand letter” to reduce the loan payments and interests. Then it’s time to take legal action and lawsuit against bank. If you are a homeowner, Consolidated Litigation Group at www.conlitgroup.com is the first step in learning your rights in keeping your home.<br />