PayPal finally in South Africa?   
PayPal is the world’s biggest e-commerce enable, used by millions of businesses and individuals worldwide to send and receive funds easily via the web. Due to restrictions by South Africa's Reserve Bank, PayPal has not been allowed to operate in South Africa without a banking licence or without joining forces with a local bank. South...
          Banking and healthcare robots for SEQ? City leaders on tech tour   

The introduction of robots, autonomous vehicles and improved cyber security in south-east Queensland will be discussed by city leaders during a three-day international venture. On Sunday, representatives from seven councils will head to Singapore on a three-day mission to explore the country's smart technology and find out if and how it could work in south-east Queensland.


          Banking Accountant - Armonea - Mechelen   
Je beschikt minstens over een diploma Hoger secundair onderwijs binnen Accountancy. Armonea is de grootste onafhankelijke aanbieder van seniorenzorg in België...
Van Armonea - Sun, 25 Jun 2017 10:47:02 GMT - Toon alle vacatures in Mechelen
          “More than half” of CITIC’s PB branches in China launched DPM services over past three months   

More than half of China CITIC Bank’s private banking branches in China have started offering their clients discretionary portfolio management (DPM) services, which the private bank launched three months ago. A person familiar with the matter tells APB Mandate that 20 of the private bank’s 38 branches in China now have active DPM client accounts, […]

The post “More than half” of CITIC’s PB branches in China launched DPM services over past three months appeared first on APB Mandate.


          Finova Capital on-boards banking, finance veterans Rahul Sahney & Anurag Agrawal   
Rajasthan's fastest growing NBFC licensed by RBI, Finova Capital has announced on-boarding Rahul Sahney and Anurag Agrawal as Chief Operation Officer ...
          From east London relic to modern family home — now worth twice as much   
Beset by the banking crisis, a five-year planning hold-up and a wire-chewing rat, a young family battled on to turn an Edwardian 'dump' in east London from drab to fab.
          Associate, Commercial Business Development Program - Winnipeg - Scotiabank - Winnipeg, MB   
The Commercial Banking Development (CBD) Program is designed to provide Associates with coach-supported opportunities to learn, practice, apply and test the...
From Scotiabank - Thu, 29 Jun 2017 18:49:53 GMT - View all Winnipeg, MB jobs
          6/30/2017: BUSINESS NEWS: Department of Finance deputy head Nolan to retire   

The Department of Finance’s deputy head, Ann Nolan, a key figure in the State’s bailout and restructuring of the banking sector during the financial crisis, is to retire at the end of July. Ms Nolan, who was a central player in recent weeks in the...
          6/30/2017: BUSINESS NEWS: Central Bank to strengthen protection for online banking   
The Central Bank is to beef up its protections for consumers to take account of the boom in online banking. The regulator said yesterday it was seeking submissions from stakeholders on whether its safeguards are fit for purpose in light of the...
          6/30/2017: BUSINESS NEWS: Mortgage approvals rise by over 33%   
The number of mortgages approved rose by over a third in May compared to the same month a year earlier, new figures show Data from Banking and Payments Federation Ireland reveal there were 4,124 approvals valued at a combined €884 million granted...
          Broadway Financial Corporation Announces Sale Of Shares By U.S. Treasury To Two Southern California Based Banks   

Click to view a price quote on BYFC.

Click to research the Banking industry.

          Teller 2, 3 - Full Time - Greenbelt - SunTrust - Bowie, MD   
Teller 2, 3 - Full Time - Greenbelt-W440835 Description Our Branch Banking Teammates are often the first to meet new clients and the ones who start them on...
From SunTrust - Wed, 28 Jun 2017 19:41:21 GMT - View all Bowie, MD jobs
          Small Business Advisor - Scotiabank - Dawson Creek, BC   
Wealth Management, Commercial Banking, Enterprise Solutions). He/she is responsible for meeting negotiated goals, which include business development, retention...
From Scotiabank - Tue, 27 Jun 2017 06:46:13 GMT - View all Dawson Creek, BC jobs
          HSBC Gets Green Light for China Venture   

Click to view a price quote on HSBC.

Click to research the Banking industry.

          Client Service Representative - RBC - Saskatchewan   
Leaders who support your development through coaching and managing opportunities. Proactively take ownership of resolving and preventing client banking problems...
From RBC - Mon, 26 Jun 2017 23:03:28 GMT - View all Saskatchewan jobs
          Estate & Trust Representative - Innovation Credit Union - Saskatchewan   
Experience with AOS and banking system. Informal Leadership & Flexibility to perform other duties as assigned.... $44,440 a year
From Innovation Credit Union - Thu, 08 Jun 2017 00:02:47 GMT - View all Saskatchewan jobs
          Careers for Indigenous Peoples - Sales & Service - Across Canada - CIBC - Saskatchewan   
Proudly, our Indigenous banking team serves clients from coast-to-coast-to-coast providing banking solutions to meet the unique needs of many of our Indigenous....
From CIBC - Wed, 24 May 2017 16:13:16 GMT - View all Saskatchewan jobs
          Personal Banking Advisor, Rivière du Loup - Banque Nationale du Canada - Quebec   
Personal banking advisors. Personal Banking Advisor, Rivière du Loup. Number of hours (if position is part-time indicate the number of hours)....
From Banque Nationale du Canada - Thu, 22 Jun 2017 19:19:20 GMT - View all Quebec jobs
          Personal Banking Advisor, Matane - Banque Nationale du Canada - Quebec   
Personal banking advisors. Personal Banking Advisor, Matane. For the description of the position please refer to the french version....
From Banque Nationale du Canada - Tue, 20 Jun 2017 01:15:16 GMT - View all Quebec jobs
          Customer Service Representative - Banque Nationale du Canada - Quebec   
Knowledge of banking products and services, an asset. Customer Service Representative....
From Banque Nationale du Canada - Fri, 16 Jun 2017 19:13:21 GMT - View all Quebec jobs
          French Bilingual Call Centre Outbound Sales Representative - Scotiabank - Ontario   
The Outbound Sales Representative is responsible for managing and developing mutually beneficial banking relationships with customers;...
From Scotiabank - Tue, 27 Jun 2017 06:46:03 GMT - View all Ontario jobs
          Supervisor, Accounts Payable (9-month contract) - Ontario Basketball - Ontario   
Perform weekly EFT payment file upload on web business banking. Execute void & outstanding cheque status look up on web business banking....
From Ontario Basketball - Thu, 22 Jun 2017 21:21:36 GMT - View all Ontario jobs
          Elementary School Secretary - District School Board of Niagara - Ontario   
Attendance as well as handle petty cash, banking and electronic requisitioning. Applicants are required to deal with telephone and counter....
From District School Board of Niagara - Thu, 22 Jun 2017 15:42:06 GMT - View all Ontario jobs
          Commercial Mortgage Specialist - RBC - Ontario   
Commercial banking background/experience including working with Synergy is considered a strong asset. Understand the client’s financial situation, leverage...
From RBC - Mon, 19 Jun 2017 22:30:46 GMT - View all Ontario jobs
          Careers for Indigenous Peoples - Sales & Service - Across Canada - CIBC - Ontario   
Proudly, our Indigenous banking team serves clients from coast-to-coast-to-coast providing banking solutions to meet the unique needs of many of our Indigenous....
From CIBC - Wed, 24 May 2017 16:13:21 GMT - View all Ontario jobs
          Account Manager - RBC - Ontario   
Proactively take ownership of resolving and preventing client banking problems. Specifically, you help clients with their everyday banking, credit, and...
From RBC - Tue, 18 Apr 2017 14:17:36 GMT - View all Ontario jobs
          Security Analyst - Eagle Professional Resources - Ontario   
Banking / Financial Industry experience. Providing leadership for the provision of technical expertise in development and support of activities, processes,...
From Eagle Professional Resources - Wed, 12 Apr 2017 20:12:08 GMT - View all Ontario jobs
          Territory Manager - Leasing - Westminster Savings Credit Union - Ontario   
We have four lines of business – Consumer Banking, Commercial Banking, Wealth Management, and Auto/Equipment Leasing....
From Westminster Savings Credit Union - Fri, 24 Mar 2017 00:39:28 GMT - View all Ontario jobs
          Pursue your Potential (PYP)- Aboriginal Peoples - RBC - Ontario   
What do you need to eligible? We are one of North America’s leading diversified financial services companies, and provide personal and commercial banking,...
From RBC - Thu, 23 Mar 2017 04:43:08 GMT - View all Ontario jobs
          Over 50 species of native coastal plants to be introduced at Coney Island Park   
Today Online 29 Jun 17; SINGAPORE — Over 50 species of native coastal plants, including critically endangered species, will be introduced to a four-hectare plot of land at Coney Island Park over the next five years. The five-year habitat enhancement programme is a collaboration between the National Parks Board (NParks) and Oversea-Chinese Banking Corporation Limited (OCBC Bank), which will see primarily OCBC Bank management and staff donating S$250,000 to the fund the programme. Among the species to be planted include the Small-leaved Nutmeg (Knema globularia), Silver Bush (Sophora...

this is a summary, for the full version visit the wild news blog
          Stefanick Joins Evercore as Senior MD in Investment Banking   
Evercore appointed former Deutsche CIB leader Paul Stefanick to the firm's Investment Banking business as a senior managing director and a senior leader of the company.
          Three Senior Executives Join Citizens in Atlanta   
Jeffrey Neikirk, Caperton Putt and Wes Childers have joined the Citizens Commercial Banking team in Atlanta as part of the bank’s expansion in the Southeast region.
          Citizens Supports Avista Acquisition of National Spine & Pain   
Citizens Commercial Banking led a $220 million credit facility to support Avista Capital Partners’ acquisition of National Spine & Pain Centers from Sentinel Capital Partners.
          Head of Data - VP - Banking   
Source Technology - Cheshire - Head of Data - VP - Banking Head of Data is required by a Global Bank based in Cheshire. At high level not only will you be accountable... within the wider organization. As Head of Data you will be accountable for leading teams on and offshore as well as define the technology roadmap...
          ING is looking for a DevOps Engineer - Squad Datalake Infra NL - ING - Noord-Holland   
Anyone interested in digital (banking) understands why ING is transforming hard towards an IT company having its own unique Top Engineering culture....
Van ING - Fri, 09 Jun 2017 10:51:28 GMT - Toon alle vacatures in Noord-Holland
          Time to think cooperative   

Cooperative banks are still not allowed in the Banking Act even though some of the world’s biggest financial institutions are cooperatives. Photo: Hannah McKay/Reuters

Kudos to Malta. The country is experiencing above average economic growth and is creating wealth. Investment is steady, tourism is booming and most economic sectors are doing well. It is a time when the country can afford to invest more in infrastructure, education and social welfare. A better economy creates better opportunities. But to whom? And to what extent is the wealth generated reaching everyone? Is everyone drinking from the same, common, proverbial pool of wealth or is wealth being poured from the top and becomes a trickle if it reaches the bottom? We are now talking about making work pay, about a better quality of life, about building a more just society. However, there is a real and present danger: if we do not shift our way of thinking and think outside the box, inequalities will get worse and fighting it will look like Don Quixote having nightmares with his windmills. If we are to achieve a better and just society, we need to think more about tapping potentially powerful resources, coming from, and for, the average person in the street. Generally, the average person’s resources are still being hired, rather than pooled. It’s everyone to his/her own devices and...
          Guest Contribution: “‘Lending money to people across the water’: The British Joint Stock Banking Acts of 1826 and 1833, and the Panic of 1837”   
Today we are pleased to present a guest contribution written by Geoffrey Williams, Assistant Professor at Transylvania University. The Financial Crisis of 2008 and earlier emerging market crises of the 1990s have encouraged a resurgence of research interest in financial fragility. Out of this work has come a greater appreciation for a number of stylized […]
          (DF) Bank Profits Reach Lv 526 Mln By end-May   
June 30 (BTA) - In May, banks' liquid assets increased by 1.6 per cent to 30.5 billion leva. The liquidity ratio calculated under a Bulgarian National Bank (BNB) rules was high, at 37.87 per cent, the central bank said on Friday. Compared to end-April, the total assets of the banking system increased by 0.4 per cent to 93.4 billion leva.
          Accountant Assistant - VICTORY COLLEGE - Malappuram, Kerala   
Typing , Reccord keeping , Preparing documents , printing, finance control , Banking transaction, preparing & submit report to superiors.... ₹2,00,000 a year
From Indeed - Tue, 18 Apr 2017 05:16:23 GMT - View all Malappuram, Kerala jobs
           Carige, Italian banking's next problem child, to discuss capital plans    
By Valentina ZaMILAN, June 30 (Reuters) - Genoa-based Banca Carige has been thrust into the spotlight as Italy's remaining large problem bank after Rome's...
          ABBank ưu đãi doanh nghiệp nhỏ và vừa sử dụng sản phẩm chuyên biệt   

Doanh nghiệp nhỏ và vừa sử dụng mhững sản phẩm vay tín chấp hoặc thế chấp sẽ nhận lãi suất ưu đãi, miễn nhiều kinh phí ở ngân hàng. Ngân hàng TMCP An Bình (ABBank) vừa công bố dịch vụ ngân hàng chuyên biệt cho công ty vừa và nhỏ (SME Banking); phát triển danh […]

The post ABBank ưu đãi doanh nghiệp nhỏ và vừa sử dụng sản phẩm chuyên biệt appeared first on Dự án Cocobay Đà Nẵng.


          KeyBank to Provide a Total of $7.3 Million in Financing for Estee Senior Apartments in Upstate NY   

KeyBank’s Community Development Lending & Investment (CDLI) team will provide a total of $7.3 million in financing to Liberty Affordable Housing, Inc. to support the new construction of 37 energy efficient affordable housing units for seniors ages 55 or older in Gloversville, NY. Specifically, KeyBank will provide a $2.6 million construction loan and up to $4.7 million in LIHTC equity financing.

“KeyBank values helping clients and communities thrive by providing quality affordable housing in neighborhoods across the country,” said Rob Likes, national manager of KeyBank’s CDLI team. “We are inspired by the opportunity to serve seniors in Gloversville, NY, by partnering with Liberty Affordable Housing, Inc. to develop new and critical housing options for seniors.”

Estee Senior Apartments will replace a blighted former school building in a central business district. Eight of the 37 units will provide rental assistance to households earning up to 50% AMI; ten units will target households earning up to 50% AMI and 19 units will target households earning up to 60% AMI. Six units will be set aside for elderly and frail individuals or individuals with disabilities who are veterans. The complex will be managed by CRM Rental Management, Inc.

“We are committed to providing all of our neighbors with excellent affordable housing options,” said Davis G. Yohe, executive director of Liberty Affordable Housing, Inc. “We are thrilled to bring Estee Senior Apartments to Gloversville through our partnership with KeyBank, and believe it will positively and meaningfully impact the neighborhood.”

Residents with special needs will have access to supportive services through the Resource Center for Independent Living, (RCIL) and Northeastern Association of the Blind at Albany, Inc. (NABA) and the Fulton County Office for Aging/Youth.

The project is one part of the Gloversville Comprehensive Plan, a significant neighborhood revitalization effort by local government that responds to housing needs among low- to moderate-income families.

“Our team is dedicated to making transformational change in the communities where we live and work,” added Lynne Callis-Wilson, senior relationship manager on KeyBank’s CDLI team who arranged the financing along with Victoria O’Brien. “We are passionate about this work, and committed to seeing through the development of new, green and affordable units here in Gloversville.”

The financing was made possible by an allocation of LIHTCs from New York State Housing and Community Renewal.

About Key Community Development Lending and Investment

KeyBank Community Development Lending and Investment (CDLI) helps fulfill Key’s purpose to help clients and communities thrive by financing projects that stabilize and revitalize communities. Experts in complex tax credit lending and investing, Key is one of a handful of affordable housing lenders in the country with a platform that brings together balance sheet, equity, and permanent loan offerings. CDLI has a substantial investment and loan portfolio worth more than $2 billion, 90% of which is Low Income Housing Tax Credit (LIHTC) projects. For its ability to lend to, invest in, and serve its communities –especially low-to-moderate income communities – KeyBank has earned eight consecutive “Outstanding” ratings on the Community Reinvestment Act exam, from the Office of the Comptroller of the Currency.

About KeyCorp

KeyCorp's roots trace back 190 years to Albany, New York. Headquartered in Cleveland, Ohio, Key is one of the nation's largest bank-based financial services companies, with assets of approximately $134.5 billion at March 31, 2017. Key provides deposit, lending, cash management, insurance, and investment services to individuals and businesses in 15 states under the name KeyBank National Association through a network of more than 1,200 branches and more than 1,500 ATMs. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications and derivatives to middle market companies in selected industries throughout the United States under the KeyBanc Capital Markets trade name. For more information, visit https://www.key.com/. KeyBank is Member FDIC.

About Liberty Affordable Housing Inc. (LAH)

LAH is a not-for-profit organization founded in March 2002 to acquire and develop affordable housing primarily for low income seniors and families. In addition to developing affordable housing, LAH has also assumed ownership interest in four additional properties which utilize Section 8 Housing Assistance Payment programs and other federal and state housing programs for low-income persons and families. Since inception, LAH has successfully completed 19 preservation and new construction projects (15 acquisition/rehab and 4 new construction) totaling 2,749 units. Projects range from 33 to 292 units including both family and senior projects.


          From better to best: Beyond Bank’s new mobile banking features   

Beyond Bank has the strongest mobile and online banking applications in the industry (for the second year running, we might..

The post From better to best: Beyond Bank’s new mobile banking features appeared first on Beyond Bank Blog.


          (IT) Java Developer   

Rate: £550 - £700 per day   Location: London   

Senior Java Developer Hugely exciting opportunity to join an exciting Financial Technology deliver development on a forthcoming market regulation. I am keen to speak to experienced Java server side developers who are real technology enthusiasts and problem solvers. Candidates do not need to come from a banking/FS background, however this is a core engineering role so any exposure to the following would be great: Server-side Java with Maven, Eclipse or C#, Kafka/any other messaging such as RabbitMQ, 0MQ, AMQ, QPID, TIB, etc, Involvement in the entire project lifecycle and the ability to work in collaboration or as sole developer Experience in developing applications using TCP/IP Experience in delivering high performance, low latency, multi-threaded services Successful candidates will be contacted directly. Please send CV's for review. Allegis Group Limited and Aston Carter Limited operate Employment Businesses and Agencies and are companies within the Allegis Group Inc. group of companies, the fourth largest staffing company in the world, (collectively referred to as the "Allegis Group"). TEKsystems and Aerotek are divisions of Allegis Group Limited. Applicant data will be treated in accordance with the Allegis Group's Privacy Notice. By submitting personal data to any company or division within the Allegis Group, the applicant is providing explicit consent to the use of such data by the Allegis Group and to the transfer of such data to and from the Allegis Group companies within the UK, Europe and outside the European Economic Area in connection with the fulfilment of the applicant's voluntary requests, and the fulfilment of other job opportunities that match the applicant's profile, and confirms that they may be contacted about such job opportunities.
 
Rate: £550 - £700 per day
Type: Contract
Location: London
Country: UK
Contact: George Hajigeorgiou
Advertiser: TEKsystems
Start Date: ASAP
Reference: JS-JSE1

          (IT) Java Build and Config Engineer - Banking   

Rate: Negotiable   Location: City of London   

Role: Senior Java Build and Config Engineer - Banking Key Essential Skills Java Configuration Build & DevOps Engineer, SDLC, JERA, TeamCity, TDD, MSAzure, Solid background in automated testing. Investment Banking Knowledge of Apache Stack, Flink, Park, Ignite Outline Thebes Group Thebes Group is a leading UK wide IT Infrastructure Technology Consultancy. We are well-known for our extensive talent pool of highly competent IT professionals and exclusive academy Programmes, which provide a great opportunity to undertake technical training in core disciplines. Thebes work with a number of leading vendors, government, financial institutions and insurance companies including investment banks, brokers and hedge funds. To see our list of core capabilities please click here. Essential Experience Configuration/Build Specialist with extensive DevOps Proven Hands on Java skills including related tooling 5+ years' experience in Software programming languages - JavaScript and C++ to run Flink Experience with scalability and setting up/influencing code optimisation. Experience using Cloud based systems Solid understanding of software development life cycle (SDLC) methodologies such as Waterfall and Agile Experience working within a Financial Sector Role & Responsibilities Work constructively with other team members to discuss and solve technical problems Communicate effectively with other geographically-dispersed teams across the business unit Work in conjunction with Business representatives to understand and evolve business requirements and come up with pragmatic and supportable designs To analyse, design and build any such projects Manage projects through the full project life cycle Handle projects that deals with rating, billing and finance and in certain cases, complex projects require coordination with external systems Thebes provides IT solutions & services differently from most other IT service providers. As an Assured Outcome Provider (AOP), we have spent fifteen years willingly sharing the client's risk with them by focusing on outputs (ie quality service & solutions and return on investment ROI) rather than inputs (ie pricelists and headcount). We do this by fitting our skills, solutions & capabilities to needs, augmenting our staff with enthusiastic professionals from our Academy Programme and remaining flexible as our clients' needs change. Thebes Group is a leading IT services and technology consultancy based in the city of London and Milton Keynes. Thebes work with a number of leading Vendors, Government, Insurance and Financial Institutions including Investment Banks, Brokers, Hedge Funds. Established in 1992, we are a full service provider that is 100% focused on delivering client value. We design, develop and implement leading technology solutions and resources, which help you, run your businesses better. Thebes - Lead by Passion, Driven by Innovation and Dedicated to Results. Thebes may process any personal information supplied
 
Rate: Negotiable
Type: Contract
Location: City of London
Country: UK
Contact: Thebes Group
Advertiser: Thebes IT Solutions Ltd
Start Date: ASAP
Reference: JS-JALJAVA BUILD AND CO

          (IT) Techncial Lead -London - £650pd   

Rate: £550 - £650 per Day   Location: London   

A leading global Bank are now looking to hire a a Techncial Lead for London (Canary Wharf or London Brigde to be confirmed). We need someone who is very technical still, who is use to managing teams and planning/strategy etc. 6 months assignmemnt to start as soon as possible. Development Lead We are looking for a development lead to support a large global digital transformation programme within the commercial banking sector. The objectives of the programme are to replace a JSP (Java server pages) based online banking platform with a widget based vendor product which utilises modern web technologies and frameworks and move towards a REST based architecture. The candidate will be responsible for: Technical leadership of multiple cross-functional scrum teams Driving technical delivery against an agile roadmap Early identification and escalation of technical issue/risk Point of contact for external scrum teams/infrastructure/environment teams Enforcing industry best practice and coding standards/techniques Essential skills: Development strategy (branching, delivery, continuous integration, automated testing) Test automation tooling Mobile automation tooling CI/CD Pipeline tooling (Jenkins/puppet etc) Frontend development preferred: web technologies - HTML5, JavaScript, AngularJS, AJAX, JSP Backend development preferred: Core Java, Spring, Spring Security, Maven, Camel, WAS/Liberty Data development: Oracle, SQL, JPA, ORM Tooling: IntelliJ, Maven, GitHub, Nexus, Jira, Confluence Rate - up to £650 per day. Reed Specialist Recruitment is an Employment Agency and an Employment Business for permanent and temporary recruitment. In response to your application Reed will contact you by phone, email or SMS to discuss it and related opportunities. You can opt out at any time using the links provided.
 
Rate: £550 - £650 per Day
Type: Contract
Location: London
Country: UK
Contact: Richard Davies
Advertiser: Reed Technology
Reference: JS-JS-RD-DEVLEAD

          (IT) Senior Developer (Java, ION) - Front Office   

Rate: £600 - £700 per day   Location: London   

Senior Developer - Java, ION, FIX, Shell, TCL, WebSphere, MQ, Agile, Front Office, Trading. Rate: £600-£700 per day Duration: 6 months Location: City of London Start date: ASAP/1 month This is a great opportunity for an experienced Front Office Java Developer to join a leading Investment Bank based in the City. You will be part of the Front Office Solutions department that providing quantitative technology services. The team collectively provide the requisite level of support to cover all asset classes and technologies. The successful candidate will work with high-performing Front Office technology functions on change projects to upgrade the banks E-commerce trading platforms, integrate new software with existing platforms and prepare the bank for MIFID compliance. Responsibilities Take project ownership for coding, testing and releasing code into a production environment. Integrating a new trading platform with ION, pricing contributions of products to external venues and electronic execution. Ensure that high volume products are routed via STP to internal downstream systems. Develop, test and release software into a Front Office production environment Skills Strong Java, and at least one of ION or FIX (both preferred) Integration experience with ION will be highly regarded Knowledge and experience of source control, continuous integration and agile processes Required: basic knowledge of trade flows and price contributions to E-commerce platforms (eg. Bloomberg) Desirable: strong knowledge of trading platforms, products and front-to-back trade life cycle Desirable: Shell Scripting (eg. TCL or similar), experience with WebSphere and MQ Desirable: Knowledge of banking regulations and regulatory requirements Understanding of financial products and front-to-back processes Experience in development methodologies agile
 
Rate: £600 - £700 per day
Type: Contract
Location: London
Country: UK
Contact: Tom Ricucci
Advertiser: Empiric Solutions
Email: Tom.Ricucci.24C5A.DC7C5@apps.jobserve.com
Start Date: ASAP/1 month
Reference: JS

          (IT) Senior Java Build and Config Engineer - Banking   

Rate: Negotiable   Location: City of London   

Key Essential Skills Java Configuration Build & DevOps Engineer, SDLC, JERA, TeamCity, TDD, MSAzure, Solid background in automated testing. Investment Banking Knowledge of Apache Stack, Flink, Park, Ignite Outline Thebes Group Thebes Group is a leading UK wide IT Infrastructure Technology Consultancy. We are well-known for our extensive talent pool of highly competent IT professionals and exclusive academy Programmes, which provide a great opportunity to undertake technical training in core disciplines. Thebes work with a number of leading vendors, government, financial institutions and insurance companies including investment banks, brokers and hedge funds. Essential Experience Configuration/Build Specialist with extensive DevOps Proven Hands on Java skills including related tooling 10+ years' experience in Software programming languages - JavaScript and C++ to run Flink Experience with scalability and setting up/influencing code optimisation. Experience using Cloud based systems Solid understanding of software development life cycle (SDLC) methodologies such as Waterfall and Agile Experience working within a Financial Sector Role & Responsibilities Work constructively with other team members to discuss and solve technical problems. Mentoring and coaching Communicate effectively with other geographically-dispersed teams across the business unit Work in conjunction with Business representatives to understand and evolve business requirements and come up with pragmatic and supportable designs To analyse, design and build any such projects Manage projects through the full project life cycle Handle projects that deals with rating, billing and finance and in certain cases, complex projects require coordination with external systems Thebes provides IT solutions & services differently from most other IT service providers. As an Assured Outcome Provider (AOP), we have spent fifteen years willingly sharing the client's risk with them by focusing on outputs (ie quality service & solutions and return on investment ROI) rather than inputs (ie pricelists and headcount). We do this by fitting our skills, solutions & capabilities to needs, augmenting our staff with enthusiastic professionals from our Academy Programme and remaining flexible as our clients' needs change. Thebes Group is a leading IT services and technology consultancy based in the city of London and Milton Keynes. Thebes work with a number of leading Vendors, Government, Insurance and Financial Institutions including Investment Banks, Brokers, Hedge Funds. Established in 1992, we are a full service provider that is 100% focused on delivering client value. We design, develop and implement leading technology solutions and resources, which help you, run your businesses better. Thebes - Lead by Passion, Driven by Innovation and Dedicated to Results. Thebes may process any personal information supplied in relation to your application. By providing your information, you consent to Thebes using
 
Rate: Negotiable
Type: Contract
Location: City of London
Country: UK
Contact: Thebes Group
Advertiser: Thebes IT Solutions Ltd
Start Date: ASAP
Reference: JS-JALSENIOR JAVA BUILD

          (IT) Java Tech Specialist/Developer/Engineer   

Location: Belfast, Northern Ireland   

Java Tech Specialist/Developer/Engineer This is a challenging and exciting opportunity to work within a leading banking environment and work closely with a Front Office business unit. The quality trading is now enhancing our leading position in the financial market. The successful candidate will play a key role in that success and be part of a large group of high calibre developers. The successful candidate must be able to operate with a high level of self-motivation and produce results with a quick turn around on key deliverable's. Key Responsibilities: Requirements analysis and capture, working closely with the business users and other technology teams to define solutions. Development of the Electronic Execution applications and components, as part of a global development effort. Liaison with support and development teams. Third line support of the platform during trading hours. Applying Equities financial product knowledge to the full development life cycle. Defining and evolving architectural standards; promoting adherence to these standards. Technical mentoring of junior team members. Knowledge and Experience: Strong Java Background Unix/Linux OO programming Good relational database experience Working SQL knowledge We have both permanent and contract positions available so please do not hesitiate to apply If you apply for this role, our thanks for your interest. However, due to high level of applicants expected we are unable to respond to every one. Therefore, if you have not heard from Eurobase People within 5 working days, then, unfortunately, your application has been unsuccessful. Eurobase People are acting as an Employment Agency.
 
Type: Unspecified
Location: Belfast, Northern Ireland
Country: UK
Contact: Adam Cohen
Advertiser: Eurobase People
Email: Adam.Cohen.F5223.39364@apps.jobserve.com
Start Date: ASAP
Reference: JS-TS

          (IT) Web UI Developer - Javascript JAVA Angular React backbone ECMA Agile - Investment Bank   

Rate: £600 - £650 per Day   Location: London   

Web UI Developer - Javascript JAVA Angular React backbone ECMA Agile - Investment Bank A talented Web UI and Java developer to join a small agile team for an interesting project within a Top Tier Investment Bank. You must have a good knowledge and understanding of modern JavaScript development, Java development, UI design, a keen eye for detail, a strong focus on automated testing and a relentless drive for simplicity. The team is small, has a large degree of autonomy, a large degree of self-discipline and are focused on delivering working software. Project tech stack is Server Side Java, REST, ElasticSearch, Angular, HTML5/CSS, Selenium/Webdriver and the typical modern development/automation tools. Experience of the entire development life cycle within Java projects from architecture through to maintenance. Experience on High performance Java development and the Java framework and its interoperability mechanisms. Multi-threaded approaches and practical experience in profiling and optimising highly concurrent codebases. Experience of delivering high performance, low latency systems. Knowledge of programming best practices, design patterns etc Ability to deliver quality code using test driven development and agile practises. Provide simple solutions to complex problems. You do not need to come from an investment banking background, but you need to be passionate about development, and able to work with a large degree of autonomy, when required. Role: The role will involve working as part of a small agile team, working closely with other IT teams as well as the Front Office and other stakeholders. The Java Developer will be expected to be flexible working on solutions across all impacting areas, creating new services as well as maintaining and enhancing existing services.. This role involves development of leading edge solutions across the department. The role involves providing 3rd level support, liaising either with the support team or with the business directly. Adlam Consulting operates as an Employment Agency & an Employment Business
 
Rate: £600 - £650 per Day
Type: Contract
Location: London
Country: UK
Contact: Adlam Consulting Ltd
Advertiser: Adlam Consulting Ltd
Email: Adlam.Consulting.EE8C4.A5193@apps.jobserve.com
Start Date: ASAP
Reference: JSADL02712

          DLA expands in Africa with acquisitions in Senegal and Tunisia   
DLA Piper continues to increase its presence in Africa with two recent acquisitions.

The firm has acquired Tunisian firm El Ajeri Lawyers, a full service firm that focuses on eight sectors, including media, transport, banking, insurance and energy. DLA has also acquired Dakar-based GENI & KEBE, a 27-strong firm that specializes in litigation and arbitration.

DLA paris co-managing partner Michel Frieh said the acquisitions will help the firm improve its presence across Africa.

          M2Banking & Fintech Latam   

M2Banking & Fintech Latam

July 18, 2017 to July 20, 2017

In its 8th year, and 2nd year in San Francisco, the event brings together the key players of Latin America’s fintech ecosystem for 3 intensive days focusing on mobile money, payments and financial innovation in the region. The forum aims to connect Latin American decision makers with innovators from the Bay Area, US and international mobile community.

The conference will follow a case study approach, with the region’s innovators exploring the complex and fascinating dynamics of financial institutions as they navigate towards complete integration with the mobile world.

Topics of Discussion

  • Fintech ecosystem and mobile financial services in Latin America
  • Digital Wallet and innovative services for the unbanked, microfinance and microcredits;
  • Mobile money, payments and remittances in Latin America
  • Venture Capital and investing
  • Regulatory intelligence, benchmarks
  • Bitcoin &blockchain;
  • big data, location-based services and chatbots
  • and much more!

Use the promo code MMA20 to get 20% discount on all ticket types!

More Info


          U.S. Fed gives a nod on capital plans for all 34 reviewed banks   
The Federal Reserve Board has completed its review of capital planning practices as the nation's largest banks and said it did not object to the capital plans of all 34 bank holding companies participating in the Comprehensive Capital Analysis and Review (CCAR). However, the Fed asked Capital One Financial Corporation to address weaknesses in its capital planning process and resubmit its capital plan by the end of 2017. All 34 firms that did not receive formal objections will be able to make capital distributions such as stock buybacks or dividend payments without first seeking Federal Reserve authorization. CCAR, in its seventh year, evaluates the capital planning processes and capital adequacy of the largest U.S.-based bank holding companies, including the firms' planned capital actions such as dividend payments and share buybacks. Strong capital levels act as a cushion to absorb losses and help ensure that banking organizations have the ability to lend to households and businesses
          POL-BI: Online-Banking und Bezahlen im Internet - ein Informationsabend von Polizei und Verbraucherzentrale Bielefeld   
Bielefeld (ots) - AR/ Bielefeld - Online-Banking und Bezahlen im Internet ist heute fast selbstverständlich. Doch wie sicher ist es eigentlich? Die Polizei Bielefeld und die Verbraucherzentrale NRW bieten Informationen rund um diese Themen: Welche ...
          Java/J2EE Developer - Morgan Stanley - Montréal, QC   
Perl and Shell Scripting (such as ksh). Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities,...
From Morgan Stanley - Thu, 22 Jun 2017 18:09:16 GMT - View all Montréal, QC jobs
          IT Security Officer Job at Stanbic IBTC Bank   

Stanbic IBTC Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa’s financial system for [...]

The post IT Security Officer Job at Stanbic IBTC Bank appeared first on Jobzilla Nigeria .


          Teller (Part-Time 20 HRS) - Brooklyn North Central, NY Market - JP Morgan Chase - Brooklyn, NY   
Educate and engage clients on the various technological tools available to them to improve their banking experience....
From JPMorgan Chase - Fri, 19 May 2017 19:32:27 GMT - View all Brooklyn, NY jobs
          French Bilingual Call Centre Outbound Sales Representative - Scotiabank - Ontario   
Assist in and contribute to the development and growth of profitable business across the protection, credit, investment and day-to-day banking product and...
From Scotiabank - Tue, 27 Jun 2017 06:46:03 GMT - View all Ontario jobs
          Relationship Banker-Worcester Area-Holden, MA   
MA-Holden, Relationship Banker-Worcester Area-Holden, MA-1705537 Description As a Relationship Banker with Santander’s Consumer and Business Banking division you will be given the unique opportunity to jump-start a career in financial services with a global industry leader. To assist you on your path you will be provided the opportunity to obtain the Series 6, 63, Life & Health Licenses. Your first 11 weeks
          Relationship Banker-Worcester Area-Holden, MA   
MA-Holden, Relationship Banker-Worcester Area-Holden, MA-1705536 Description As a Relationship Banker with Santander’s Consumer and Business Banking division you will be given the unique opportunity to jump-start a career in financial services with a global industry leader. To assist you on your path you will be provided the opportunity to obtain the Series 6, 63, Life & Health Licenses. Your first 11 weeks
          Cavs Rumors: Latest Buzz on Paul George Trade, Carmelo Anthony and More   

The tension coming from the Cleveland Cavaliers this summer is, in a word, palpable.

After LeBron James and his defending champs bowed out of the Finals to the new superteam on the block, the front office has to worry about the fact the King might opt out in 2018 and consider his options on the open market.

Of course, having a King around gives the team access to scenarios most teams wouldn't dream about—like pursuing names such as Carmelo Anthony or Paul George.

With free agency about to open, let's step back and look at some of the notable rumblings around the Cavaliers.

         

Buyout Shopping

The Cavaliers haven't done much to negate Golden State's gigantic advantage in the superteam race yet in large part because the front office doesn't have much in the way of assets to sling at other teams.

Forming a juggernaut like the Cavaliers around LeBron has a way of doing that to the team.

Alas, this doesn't mean the Cavaliers won't have options soon. According to ESPN.com's Marc Stein, the team will keep an eye on two potential buyout options—Dwyane Wade and Carmelo Anthony:

Wade is an interesting angle for the Cavaliers to consider because it'd be a throwback to their days with the Miami Heat. The 35-year-old guard just picked up his player option with the Chicago Bulls because it comes in around $24 million.

Still, with Chicago's new direction after shipping away Jimmy Butler and building around Kris Dunn and Zach LaVine, Wade is a bit of an odd fit and might find himself on the market after a little negotiation.

Anthony is an entirely different story.

His New York Knicks just parted ways with president Phil Jackson, though the damage between the team and superstar forward might be irreparable at this point as the front office heads for a rebuild of its own. Given Anthony's no-trade clause, it's hard to see him agreeing to a transaction when he could hit the open market.

Now would be a good time to mention Stephen A. Smith of ESPN reported Anthony would indeed accept a buyout so he could join the Cavaliers.

Viewed in a vacuum, the Cavaliers adding one of Wade or Anthony isn't a bad thing, though neither is a defensive stopper who could better help defend the likes of Kevin Durant.

Such options do exist, though.

             

Quietly Working the Trade Phones

One of the quieter items surrounding the Cavaliers as of late is apparent trade discussions with the San Antonio Spurs.

While this isn't as flashy as the above or what follows below, the Cavaliers chatting with the Spurs about veterans is right in line with what the team actually has to offer via trade.

ESPN's Brian Windhorst reported the Cavaliers opened a dialogue with the Spurs about veteran guard Danny Green:

Green is an interesting option for Cleveland because he serves two purposes—he'd be a critical depth option and also has a 2018 player option the Cavaliers could hope he declines, freeing up more cap space to use while trying to keep LeBron in town.

Green is 30 years old coming off a season in which he averaged 26.6 minutes and posted 7.3 points. Nothing eye popping here, but a nice way for the Cavaliers to land some affordable depth at the 2, provided San Antonio's asking price isn't too high—and it shouldn't be if the Spurs are intent on shedding cap so they can pursue big-name free agents.

Again, make sure to keep this one in mind. If nothing happens on the buyout market, the odds the Cavaliers hit up the Spurs about this again seem strong.

                 

Banking on PG13 for the Long Haul

By now, the idea of the Indiana Pacers dealing Paul George and his landing with his hometown Los Angeles Lakers seems about as obvious as the Lakers drafting Lonzo Ball.

And we knew Ball and the Lakers coveted one another for years.

The Cavaliers, at least, hope to throw a wrench in these plans. Stein noted recently that the team had found itself involved in talks with the Pacers and Denver Nuggets for George while shipping away Kevin Love.

A third team would indeed help the Cavaliers compensate for a lack of assets. It's hard to imagine he wouldn't want to come to town and play next to LeBron, either. On paper, he'd be the defensive stopper the team desperately needs, sticking on Durant and letting LeBron run wild on the offensive end of the court like he's accustomed.

But what about the long term? If George joins and the Cavaliers don't win a ring, can the front office convince him to sign a long-term deal? Even worse, what if both LeBron and George leave together?

Rest easy—according to USA Today's Sam Amick, who spoke with people close to the situation, George wants to win:

"Hell-bent as he is on signing with the Lakers, George also won't close a window of opportunity. So if the Cavs can convince Pritchard to either take on four-time All-Star forward Kevin Love or send him to a third team in exchange for more suitable assets, then George will play his heart out alongside LeBron James and remain open to the idea of re-signing next summer if James were also to return."

Of course, this isn't a guarantee of anything. The Cavaliers still have to go out and perform after making a franchise-altering deal.

But at the least, fans worried George might be a rental can rest easy and hope LeBron can convince him it's worth sticking in town.

Putting something like that on LeBron's shoulders has a relaxing effect.

         

All stats and info via ESPN.com unless otherwise specified

Read more Cleveland Cavaliers news on BleacherReport.com


          QA Automation Engineer 3   
CA-San Ramon, RESPONSIBILITIES: Kforce has a client that is looking for a QA Automation Engineer 3 in Omaha, Nebraska (NE). Overview: They are seeking a QA Automation Engineer to be responsible for providing Quality Assurance Testing services for Commercial Banking projects; inclusive but not limited to activities supporting test readiness, execution, metric tracking, reporting and assisting in the development,
          Regulatory Relationship Manager - Morgan Stanley - New York, NY   
5 years banking experience from a regulatory organization such as the FRB, OCC, FDIC or CFPB or in a similar position in the financial services industry or...
From Morgan Stanley - Thu, 29 Jun 2017 18:16:36 GMT - View all New York, NY jobs
          Institutional Banking Compliance Generalist - Morgan Stanley - New York, NY   
Knowledge of bank laws and regulations, particularly from the Federal Reserve, OCC, and FDIC. Previous experience with either a bank government agency (e.g.,...
From Morgan Stanley - Tue, 27 Jun 2017 18:13:30 GMT - View all New York, NY jobs
          Digital Platforms – Business Analyst - Morgan Stanley - New York, NY   
OCC regulations, Fed. Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment management...
From Morgan Stanley - Mon, 19 Jun 2017 18:04:59 GMT - View all New York, NY jobs
          U.S. Fed needs solid data to keep diverging from central bank peers - Bullard   

By John Geddie and Ritvik Carvalho

LONDON (Reuters) - The U.S. Federal Reserve needs solid data to maintain a monetary policy that diverges from the world's other major developed economies, St. Louis Federal Reserve chief James Bullard said on Thursday.

Speaking to reporters on the sidelines of an event in London, Bullard added that it was "disconcerting" that market measures of inflation in the world's largest economy had fallen despite the central bank raising interest rates twice so far this year.

"The U.S. is kind of trying to go it alone... which we can do and we certainly have done historically," Bullard earlier told an event hosted by the Official Monetary and Financial Institutions Forum (OMFIF).

"But if you want to go it alone in this environment you have to really have data that's coming in strong behind you and justifying what you want to do."

Bullard, who does not currently vote in the U.S. Federal Reserve's rate-setting committee and is more dovish than many of his peers, questioned how long the Fed could continue on its tightening path while other central banks were still keeping policy easy.

"You can go independently - I just think it's hard in this environment with low rates around the world, negative rates in Europe and Japan... how realistic is it for the U.S. to have a (bond) yield curve that is dramatically above our foreign rivals?"

Bullard said such differentials in yields -- an indication of where a country can borrow cash on financial markets -- may lead to major moves in the value of the dollar relative to other currencies.

INFLATION EXPECTATIONS

The Fed's last policy statement flagged concern over a recent fall in the Fed's preferred measure of inflation to 1.5 percent.

Fed officials have since then split between those worried the trend may persist and those who feel the Fed needs to tighten still-loose monetary policy as a precaution.

Bullard said he was concerned investors appeared to doubt the Fed's ability to generate price growth.

"Market-based measures of inflation expectations... have come down since March and normally you would think if the Fed was tightening into good data then the inflation expectations would stay constant.

"That's a bit disconcerting for the normalization strategy."

Rather than hiking rates further, Bullard said the Fed's "natural next step" should be to trim its balance sheet -- a process that could take at least five years. [U8N1CQ01M] [U8N1CQ01N]

He added the Fed was likely to announce plans for balance sheet adjustments at its policy meeting in September, skipping its July meeting where it is not scheduled to hold a press conference.

OMFIF is an independent think tank for central banking, economic policy and public investment.

(Reporting by Ritvik Carvalho; editing by John Stonestreet)


          Cubs owners borrow more than $65 million on Wrigley rooftops   
The family that owns the Chicago Cubs has taken out a loan of more than $65 million on its 11 rooftop buildings, from a lender the team already knows well. The Ricketts family on May 17 borrowed more than $65 million from Wintrust Bank, according to Cook County property records and commercial real estate data and analytics firm CrediFi. The loan for the buildings overlooking Wrigley Field adds a new dimension to the relationship between the Cubs and Rosemont-based Wintrust Financial, which is the team's official banking partner. Wintrust's sponsorship deal includes a large Wintrust sign atop the video board in the left field bleachers. The Ricketts family's new loan comes amid its $850 million
          Infrastructure Security Engineer/Security Operations/SIEM Specialist - / Nexere Consulting Limited / Edinburgh, Midlothian, United Kingdom   
Nexere Consulting Limited/Edinburgh, Midlothian, United Kingdom

SIEM Specialist - Splunk - Senior Infrastructure Security Engineer/Security Operations/Information Security Analyst - Scripting - Cyber Security - Banking - Edinburgh

Great opportunity for Senior IT Security Analyst/SIEM Specialist to work in a senior position as part of a specialised Security Operations team. Be part of a bank that are leading the way in IT Cyber Security and are investing heavily into a new 3 year strategic Cyber Security programme.

Responsibilities include:

- Responsible for the delivery of key services within security operations within a large enterprise with multiple sites

- Technical support and development of SIEM - Splunk, QRadar, Arcsight, Logrhythm, Solar winds

- SIEM administration and configuration to SME level

- Provide advice and guidance around IT Cyber Security related best practice

- Engage with and provide consultation at senior management level.

- Scripting capabilities, Python, Perl, Shell etc

- To provide knowledge and deep understading of other technologies such as Firewalls, proxies etc

Please note that we are grateful for every application, only the suitable will be contacted. Thank you for your time and interest in NEXERE.

SIEM Specialist - Splunk - Senior Infrastructure Security Engineer/Security Operations/Information Security Analyst - Scripting - Cyber Security - Banking - Edinburgh

Employment Type: Permanent

Pay: 55,000 to 65,000 GBP (British Pound)
Pay Period: Annual
Other Pay Info: Excellent benefits inc Pension, Bonus, PMI + more

Apply To Job
          Senior Solution Architect (iOS, Android, Windows, Mobile Technologies) / 33-6 Consultancy Limited / Knutsford, Cheshire, United Kingdom   
33-6 Consultancy Limited/Knutsford, Cheshire, United Kingdom

My client, a Large UK Retail Banking group is seeking a strong VP Senior Solution Architect to come in and join their team on a permanent basis. This is a very exciting opportunity to work in one of the largest Technology hubs in the North West.

Requirements

Good understanding of mobile technologies.

Good knowledge of smart phones, emerging handsets, capabilities, different platforms (RIM, IOS, Android)

Lead problem solving and analytical sessions to find innovative technical solutions to address business problems.

Good understanding of Client Server Interaction, Application and Infrastructure.

Good Understanding of the Design phase within the application development life cycle.

Has written a document/cookbook for a specific subject matter.

Able to maintain high levels of productivity for prolonged periods, with "quiet periods built in to allow rest and recuperation. Able to refine and adapt techniques to meet new needs. Able to teach these skills to practitioners and experts.

Has wider interest in computing science eg mathematical methods or machine learning

Teaches and influences others to use different versioning strategies and systems.

Uses all Microsoft Tools.

Can use and advise on other tools that facilitate collaboration (eg SharePoint, Rationale, etc). Has awareness and keeps abreast of other industry tools. Uses MS Project as the planning tool of choice.

Financial services experience is desirable

Employment Type: Permanent

Apply To Job
          Solution Architect (Mobile, iOS, Android, Windows) / 33-6 Consultancy Limited / Knutsford, Cheshire, United Kingdom   
33-6 Consultancy Limited/Knutsford, Cheshire, United Kingdom

My client, a Large UK Retail Banking group is seeking a strong Mobile Solution Architect to come in and join their team on a permanent basis. This is a very exciting opportunity to work in one of the largest Technology hubs in the North West.

Requirements

Understanding of mobile technologies.

Knowledge of smart phones, emerging handsets, capabilities, different platforms (RIM, IOS, Android)

Understanding of Client Server Interaction, Application and Infrastructure.

Understanding of the Design phase within the application development life cycle.

Knowledge of general office application software word processors, spreadsheets, presentation packages and email clients

Experience consulting on application and infrastructure architecture and technologies for multiple applications is desirable.

Ability to develop a comprehensive grasp of emerging mobile technologies

Ability to work concisely when under pressure.

Good technical writing skills and experience of producing High Level Design covering Use Cases

Understanding of Agile methodologies

Experience of working within a project framework such as Waterfall, DSDM, Agile, Scrum

Awareness of the Barclay's business unit responsibilities and structure

Ability to work as part of a team as well as independently

Knowledge in multiple mobile technologies with understanding of their strengths and shortcomings

Demonstrate the ability to multitask

Understands own learning style

Learns from mistakes or successes for future planning and development

Financial services experience is desirable

Employment Type: Permanent

Apply To Job
          'Paypal of pot' helping marijuana companies normalize business in Western states   
The lack of banking options means legal marijuana business have been forced to handle money like the illegal ones – all cash. That's what this company wants to change.

          GST rolls out past midnight from Central Hall of Parliament; Manmohan skips   
New Delhi: The Goods and Services Tax (GST), India's biggest tax reform since Independence, rolled out past midnight Friday in the precincts of the hallowed Central Hall of Parliament to usher in a new indirect tax regime in an event that sought to evoke memories of the famous 'Tryst with Destiny' night the country got freedom in 1947.

A minute after the stroke of midnight, President Pranab Mukherjee and Prime Minister Narendra Modi pressed the button to launch the new indirect tax regime on a digital screen with "GST" emblazoned on it in a golden hue.

Conceived on the principle of 'one nation, one tax, one market', the tax that subsumes 17 central and state levies was launched in the presence of Vice President Hamid Ansari, former Prime Minister H.D. Deve Gowda, Lok Sabha Speaker Sumitra Mahajan, Finance Minister Arun Jaitley, MPs, chief ministers, state finance ministers, officials of the Centre and states.

Notwithstanding the fact that the GST Law was a consensus product evolved over 14 years, the function in colorfully-decked Parliament House was boycotted by major opposition parties like Congress, Trinamool Congress, RJD, DMK and Left parties, saying the government was making a spectacle of a legislation for self-promotion, a charge Jaitley rejected. In keeping with his party's decision, former Primer Minister Manmohan Singh kept away from the event. However, MPs and leaders of Congress allies NCP and Samajwadi Party attended the function.



Addressing the gathering, President Pranab Mukherjee said the introduction of GST is a moment of precedent for the country and a matter of personal satisfaction for him because of his role as Finance Minister earlier. "I had always believed that GST was a matter of time and was happy when it was enacted and I gave assent to the Constitution amendment last year," he said.

He said the new law is a tribute to the maturity and wisdom of Indian democracy. The GST Council was a unique experiment under the Indian Constitution because of the shared sovereignty.

In his speech, Modi said the roll out of GST is the best example of cooperative federalism and success of Indian democracy. "The credit for the new law does not go to one party or one government but was a shared legacy of all," he said.



In a veiled rejoinder to opposition criticism of the midnight function in Parliament, the Prime Minister said there cannot be a "better and sacred" venue than the Central Hall for the historic roll out.

The GST process cannot be confined to just economic system but was a collective effort of all, he said, adding it was a product of long discussions among the best brains of the country. "It is an example of Team India's strength and ability," he said.

Referring to the eminent personalities like Jawaharlal Nehru, Sardar Patel, Maulana Abul Kalam Azad and Babu Rajendra Prasad who had adorned the Central Hall, Modi said like Patel had integrated the country, the GST would integrate the country economically.



He described the GST as 'Good and Simple Tax' -- good because there will be no tax on tax and simple because there will be only one form of tax. It will also help eliminate black money and corruption because of the transparency it seeks to bring in, he said.

Modi said whatever was lacking in growth and development of the country, GST will provide the opportunity to realise them.

Ahead of the launch, the GST Council slashed the rate of fertilisers from 12 per cent to 5 per cent and of exclusive parts of tractors from 28 per cent to 18 per cent to reduce the burden on farmers.

The launch of GST, which the government claimed would result in reduction of prices of articles of common consumption, also came amidst fears from various business sections that prices would go up under the new regime.



Welcoming the gathering, Jaitley described GST as the biggest and most ambitious tax reform which is an achievement of the country through consensus. It highlights the fact that India can rise above narrow politics and work for country's benefit. In making the GST, neither the Centre nor the states gave up their sovereignty.

He said all MPs, state governments, political parties, state finance ministers and dedicated officials of the Centre and states deserved to be appreciated for realising the project of GST Law.

Jaitley said under GST, the revenues will go up as the compliance goes up and the GDP will also increase.

Parliament's Central Hall has witnessed such a function only on three occasions earlier. First was on the occasion of Independence when first Prime Minister Jawaharlal Nehru made the famous 'Tryst with Destiny' speech. The second was on the occasion of silver jubilee of Independence in 1972 and golden jubilee in 1997.

The GST is expected to check tax evasion and broaden tax base. In the new regime, all filings will be done only through electronic mode to ensure non-intrusive administration. This will minimise taxpayers' physical interaction with the tax officials.

The GST regime seeks to reduce rates of over 50 per cent of items of daily use and charge others at much lower rate of 5 per cent, 12 per cent and 18 per cent.

A higher tax rate is imposed on luxury and sin goods at 28 per cent in the new regime. Certain services like telephone, banking and insurance are expected to feel the pinch of higher taxes.

The GST also promises taxpayers a refund against their sales within 60 days. Similarly, exporters will get refund within seven days. For protection of consumer rights, the new law provides anti-profiteering provisions. In a departure from the normal practice, the GST will be administered together by the Centre and the states.
          GST rolls out past midnight from Central Hall of Parliament   

New Delhi: The Goods and Services Tax (GST), India's biggest tax reform since Independence, rolled out past midnight Friday in the precincts of the hallowed Central Hall of Parliament to usher in a new indirect tax regime in an event that sought to evoke memories of the famous 'Tryst with Destiny' night the country got freedom in 1947.

A minute after the stroke of midnight, President Pranab Mukherjee and Prime Minister Narendra Modi pressed the button to launch the new indirect tax regime on a digital screen with "GST" emblazoned on it in a golden hue.

Conceived on the principle of 'one nation, one tax, one market', the tax that subsumes 17 central and state levies was launched in the presence of Vice President Hamid Ansari, former Prime Minister H.D. Deve Gowda, Lok Sabha Speaker Sumitra Mahajan, Finance Minister Arun Jaitley, MPs, chief ministers, state finance ministers, officials of the Centre and states.

Notwithstanding the fact that the GST Law was a consensus product evolved over 14 years, the function in colorfully-decked Parliament House was boycotted by major opposition parties like Congress, Trinamool Congress, RJD, DMK and Left parties, saying the government was making a spectacle of a legislation for self-promotion, a charge Jaitley rejected. In keeping with his party's decision, former Primer Minister Manmohan Singh kept away from the event. However, MPs and leaders of Congress allies NCP and Samajwadi Party attended the function.

Addressing the gathering, President Pranab Mukherjee said the introduction of GST is a moment of precedent for the country and a matter of personal satisfaction for him because of his role as Finance Minister earlier. "I had always believed that GST was a matter of time and was happy when it was enacted and I gave assent to the Constitution amendment last year," he said.

He said the new law is a tribute to the maturity and wisdom of Indian democracy. The GST Council was a unique experiment under the Indian Constitution because of the shared sovereignty.

In his speech, Modi said the roll out of GST is the best example of cooperative federalism and success of Indian democracy. "The credit for the new law does not go to one party or one government but was a shared legacy of all," he said.

In a veiled rejoinder to opposition criticism of the midnight function in Parliament, the Prime Minister said there cannot be a "better and sacred" venue than the Central Hall for the historic roll out.

The GST process cannot be confined to just economic system but was a collective effort of all, he said, adding it was a product of long discussions among the best brains of the country. "It is an example of Team India's strength and ability," he said.

Referring to the eminent personalities like Jawaharlal Nehru, Sardar Patel, Maulana Abul Kalam Azad and Babu Rajendra Prasad who had adorned the Central Hall, Modi said like Patel had integrated the country, the GST would integrate the country economically.

He described the GST as 'Good and Simple Tax' -- good because there will be no tax on tax and simple because there will be only one form of tax. It will also help eliminate black money and corruption because of the transparency it seeks to bring in, he said.

Modi said whatever was lacking in growth and development of the country, GST will provide the opportunity to realise them.

Ahead of the launch, the GST Council slashed the rate of fertilisers from 12 per cent to 5 per cent and of exclusive parts of tractors from 28 per cent to 18 per cent to reduce the burden on farmers.

The launch of GST, which the government claimed would result in reduction of prices of articles of common consumption, also came amidst fears from various business sections that prices would go up under the new regime.

Welcoming the gathering, Jaitley described GST as the biggest and most ambitious tax reform which is an achievement of the country through consensus. It highlights the fact that India can rise above narrow politics and work for country's benefit. In making the GST, neither the Centre nor the states gave up their sovereignty.

He said all MPs, state governments, political parties, state finance ministers and dedicated officials of the Centre and states deserved to be appreciated for realising the project of GST Law.

Jaitley said under GST, the revenues will go up as the compliance goes up and the GDP will also increase.

Parliament's Central Hall has witnessed such a function only on three occasions earlier. First was on the occasion of Independence when first Prime Minister Jawaharlal Nehru made the famous 'Tryst with Destiny' speech. The second was on the occasion of silver jubilee of Independence in 1972 and golden jubilee in 1997.

The GST is expected to check tax evasion and broaden tax base. In the new regime, all filings will be done only through electronic mode to ensure non-intrusive administration. This will minimise taxpayers' physical interaction with the tax officials.

The GST regime seeks to reduce rates of over 50 per cent of items of daily use and charge others at much lower rate of 5 per cent, 12 per cent and 18 per cent.

A higher tax rate is imposed on luxury and sin goods at 28 per cent in the new regime. Certain services like telephone, banking and insurance are expected to feel the pinch of higher taxes.

The GST also promises taxpayers a refund against their sales within 60 days. Similarly, exporters will get refund within seven days. For protection of consumer rights, the new law provides anti-profiteering provisions. In a departure from the normal practice, the GST will be administered together by the Centre and the states.


          Law Staff Legal Recruitment Ltd: BANKING SOLICITOR   
Excellent Package: Law Staff Legal Recruitment Ltd: Legal 100 practice in London seeks technically brilliant Banking Solicitor with project and infrastructure finance experience! The Firm A top tier Legal 100 firm with... London
          Legal Professionals: Trade Finance Lawyer   
Highly competitive compensation + benefits: Legal Professionals: Fantastic opportunity for a 3-8 PQE Banking and Finance Lawyer with a well established financial services organisation London (Central), London (Greater)
          Sarah Banks - Big Booty Banking (2017/TeensLoveAnal/FullHD)   
Название: Big Booty Banking Год выхода: 2017 Выпущено: TeensLoveAnal.com/TeamSkeet.com Жанр: Anal, Ebony, BJ, IR, Shower, Tattoos, Teen Имя актрисы: Sarah Banks
          Sarah Banks - Big Booty Banking (2017/Teensloveanal/SD)   
Название: Big Booty Banking Год выхода: 2017 Выпущено: Teensloveanal.com/TeamSkeet.com Жанр: All Sex, Oral, Anal, Gonzo Имя актрисы: Sarah Banks
          Banking Giant Tells Clients to Prepare for Government Collapse, Third General Election   
– Banking Giant Tells Clients to Prepare for Government Collapse, Third General Election: Citigroup has warned clients that Theresa May’s position as prime minister is “unsustainable”, warning them to prepare for the government to collapse within a matter of months. The multinational banking corporation believes the parliamentary majority which the prime minister secured through her deal ... Read more
          CML Lenders’ Handbook to be Renamed on 1st July   
From 1 July 2017, the finance and banking industry operating in the UK will be represented by a new trade association, UK Finance.

It will represent around 300 firms in the UK providing credit, banking, markets and payment-related services.

The new organisation will take on activities previously carried out by the Asset Based Finance Association, the British Bankers’ Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association.

The CML Lenders’ Handbook will continue, but it will be renamed the "UK Finance Mortgage Lenders’ Handbook" (‘the Handbook’). 

The CML will rename the Handbook from 1 July 2017.

Associated documents (for example, the Disclosure of Incentives Form) on the CML website in due course.

Website urls and bookmarked links relating to the Handbook will continue to work as normal.

From 1 July, all references to the CML Lenders’ Handbook shall be deemed to mean the UK Finance Mortgage Lenders’ Handbook.

Any associated documents which refer to the CML shall be deemed to mean UK Finance.

A set of FAQs and responses has been prepared by the CML to assist users of the Handbook during the transition from the Council of Mortgage Lenders to UK Finance.
          Moneydance 2017.3 Build 1622   
Moneydance for Mac is easy to use personal finance software that is loaded with all the features you need: online banking and bill payment, account management, budgeting and investment tracking. Moneydance handles multiple currencies and virtually any...
          ΕΧΑΕ: Στις 24 Ιουλίου 2017 η αποκοπή της επιστροφής κεφαλαίου - [Bankingnews]   
Image

Η ΕΧΑΕ ανακοίνωσε ότι το Διοικητικό της Συμβούλιο, κατά τη συνεδρίασή του την 26/06/2017, προσδιόρισε τις ημερομηνίες αποκοπής και πληρωμής της επιστροφής κεφαλαίου που είχε αποφασίσει η Α' Επαναληπτική Γενική Συνέλευση των μετόχων στις 09/06/2017. Μετά τον καθορισμό των ανωτέρω ημερομηνιών, το...


          Τη διανομή μερίσματος 0,04 αποφάσισε η Γενική Συνέλευση της ΕΚΤΕΡ - [Bankingnews]   
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Η εταιρεία ΕΚΤΕΡ Α.Ε. ανακοίνωσε ότι την Παρασκευή 30 Ιουνίου 2017 και ώρα 13:00, πραγματοποιήθηκε η ετήσια Τακτική Γενική Συνέλευση των μετόχων της στα γραφεία της εταιρείας, επί της οδού Νίκης 15, στην Αθήνα. Επί συνόλου 11.250.000 κοινών ονομαστικών μετοχών, παραστάθηκαν ή εκπροσωπήθηκαν στη...


          Τη μη διανομή μερίσματος αποφάσισε η Γενική Συνέλευση της Φιερατέξ - [Bankingnews]   
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Η ετήσια τακτική Γενική Συνέλευση της Φιερατέξ συγκλήθηκε σήμερα 30.06.2017 και ώρα 14:00 στην έδρα της εταιρίας. Σε αυτήν παραβρέθηκαν 5 μέτοχοι οι οποίοι εκπροσώπησαν 5.289.643 κοινές ονομαστικές μετοχές ή ποσοστό 51,841% του μετοχικού κεφαλαίου. Επί των θεμάτων της ημερήσιας διάταξης η Γενική...


          To νέο διοικητικό συμβούλιο της Autohellas - [Bankingnews]   
Image

Το Διοικητικό Συμβούλιο συγκροτήθηκε σε σώμα στις 27.06.2017 και καθόρισε τα εκτελεστικά και μη εκτελεστικά μέλη του. Η Autohellas ATEE γνωστοποιεί στο επενδυτικό κοινό ότι εξελέγη με την από 08.06.2017 Τακτική Γενική Συνέλευση των Μετόχων της Εταιρείας το νέο Διοικητικό Συμβούλιο της Εταιρείας...


          Στο 89,38% αυξήθηκε το ποσοστό της Ανεμοκάμπι στη Γαλαξίδι - [Bankingnews]   
Image

Σύμφωνα με τις διατάξεις του άρθρου 24 παράγραφος 2 του Νόμου 3461/2006, όπως ισχύει, και έπειτα από την υποβολή την 25/05/2017 της προαιρετικής δημόσιας πρότασης από την Ανεμοκάμπι Α.Ε. (ο Προτείνων) για την αγορά του συνόλου των κοινών ονομαστικών μετοχών της εταιρίας Γαλαξίδι Α.Ε. (η Εταιρία)...


          Γιατί η σημερινή μέρα είναι μαρτύριο για τους επενδυτές - Στις 35 οι προγραμματισμένες γενικές συνελεύσεις - [Bankingnews]   
Image

Μαρτύριο είναι η σημερινή ημέρα για τους Επενδυτές με "Ε" κεφαλαίο, οι οποίοι παρακολουθούν από κοντά το πώς πηγαίνουν οι επενδύσεις τους και συμμετέχουν με όποιους τρόπους μπορούν. Σήμερα έχουν προγραμματιστεί περισσότερες από 35 γενικές συνελεύσεις, και όποιος έχει χαρτοφυλάκιο με πολλές μετοχές...


          Παπαναγιώτου (Watt+Volt): Στοχεύουμε σε αύξηση 55% των πελατών μας στο β' 6μηνο του 2017 - [Bankingnews]   
Image

Υψηλούς στόχους βάζει για το 2017 η εταιρία προμήθειας ηλεκτρικού ρεύματος Watt+Volt, στόχοι που σύμφωνα με τον επικεφαλής της κ. Αναστάσιο Παπαναγιώτου είναι απόλυτα εφικτό να επιτευχθούν. Ο διευθύνων σύμβουλος της επιχείρησης, δίνοντας το στίγμα της Watt+Volt στην αγορά ηλεκτρικής ενέργειας...


          ΔΕΣΦΑ: Φιλοδοξία της εταιρείας να αποτελέσει καταλύτη για την οικονομική ανάπτυξη - [Bankingnews]   
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Την καθοριστική συμβολή του ΔΕΣΦΑ στην επέκταση της εγχώριας αγοράς φυσικού αερίου, καθώς και το σχεδιασμό του για την ανάδειξη του ελληνικού Συστήματος Φυσικού Αερίου σε hub για την τροφοδοσία της αγοράς των Βαλκανίων, ανέλυσε μιλώντας στο Συνέδριο του Economist στην Αθήνα o Διευθυντής...


          Poti (Edison): Kανείς Eυρωπαίος επενδυτής δεν σκέφτεται σήμερα να επενδύσει στον άνθρακα - [Bankingnews]   
Image

Σοβαρές επιφυλάξεις για την προοπτική πραγματοποίησης επενδύσεων από ευρωπαϊκές εταιρείες στη λιγνιτική παραγωγή ρεύματος στην Ελλάδα εξέφρασε κατά την διάρκεια του συνεδρίου του Economist το στέλεχος της ιταλικής Edison η οποία δραστηριοποιείται στην Ελλάδα στον ηλεκτρισμό μέσω της Elpedison...


          Γιατί η κατακόρυφη πτώση του πετρελαίου είναι δυσμενής εξέλιξη για την παγκόσμια οικονομία   
Παραμένουν οι ανησυχίες σχετικά με την παγκόσμια υπερπροσφορά και τη συνεχιζόμενη αύξηση της αμερικανικής παραγωγής
Το πετρέλαιο διολίσθησε σε χαμηλά 10 μηνών την περασμένη εβδομάδα – την πέμπτη συνεχόμενη με πτώση, στο μεγαλύτερο σερί εβδομαδιαίων ζημιών από τον Αύγουστο του 2015 – έχοντας χάσει το 3,9% της αξίας του, εν μέσω των επίμονων ανησυχιών για την παγκόσμια υπερπροσφορά και τη συνεχιζόμενη αύξηση της αμερικανικής παραγωγής.
Το αμερικανικό αργό είχε ανέλθει στο υψηλό των 55,45 δολ. ανά βαρέλι τον Φεβρουάριο του 2017, πριν αρχίσει να κατρακυλά και διολισθήσει σε «bear market» την περασμένη εβδομάδα.
Την ίδια ώρα, ο αριθμός των εξεδρών γεώτρησης πετρελαίου στις ΗΠΑ βρίσκεται στο υψηλότερο σημείο τους από τον Απρίλιο του 2015.
Εν τω μεταξύ, η κυβέρνηση του αμερικανού προέδρου Donald Trump έδωσε πρόσφατα το «πράσινο φως» για να ξεκινήσει τη λειτουργία του ο αμφιλεγόμενος αγωγός πετρελαίου Dakota Access, ενώ χορήγησε άδεια για την κατασκευή του αγωγού Keystone XL από τον Καναδά στις ΗΠΑ.
Κι ενώ κάποιος θα μπορούσε πολύ εύλογα να σκεφτεί πως αυτή η «βουτιά» των τιμών του πετρελαίου θα μπορούσε να δώσει ώθηση στην παγκόσμια οικονομία, δεδομένου του οφέλους που μπορούν να αποκομίσουν οι καταναλωτές από τα χαμηλά κόστη, εντούτοις μια τόσο απότομη πτώση των τιμών θα μπορούσε να έχει ορισμένες ανησυχητικές επιδράσεις.

Μια μακροπρόθεσμη πτώση στην τιμή του πετρελαίου πρέπει να θεωρηθεί ως μια εξέλιξη θετική ή απειλητική;

Εκ πρώτης όψεως, οι χαμηλότερες και σταθερότερες τιμές της ενέργειας θα έπρεπε να συνιστούν ένα καθαρό όφελος για την παγκόσμια οικονομία, όταν είναι το αποτέλεσμα μιας αύξηση της προσφοράς, και όχι μιας πτώσης στη ζήτηση που αντικατοπτρίζει οικονομική στασιμότητα.
Ωστόσο, ακόμη και στον ανεπτυγμένο κόσμο, μια απότομη πτώση στην τιμή του πετρελαίου θα μπορούσε να έχει ανησυχητικές επιδράσεις.
Οι καταναλωτές μπορεί να κερδίζουν, αλλά η συνολική ώθηση μπορεί να μην είναι τόσο έντονη όπως και στις προηγούμενες δεκαετίες, όταν οι πλούσιες οικονομίες είχαν μεγαλύτερη ανάγκη από την ενέργεια και ήταν υπήρχε ένα μεγαλύτερο περιθώριο για τις κεντρικές τράπεζες να μειώσουν τα χρεωστικά επιτόκια σε απάντηση.
Επιπρόσθετα, μια σημαντική πτώση του πετρελαίου θα μπορούσε να πλήξει τις κεφαλαιουχικές δαπάνες και τα κέρδη των εταιρειών ενέργειας και των επιχειρήσεων κοινής ωφέλειας.
Οι πραγματικοί κίνδυνοι, όμως, βρίσκονται στις αναδυόμενες αγορές που εξαρτώνται σε μεγάλο βαθμό από τις εξαγωγές πετρελαίου.
Η πτώση των τιμών του πετρελαίου συνοδεύεται σχεδόν πάντα από μια ανατίμηση του αμερικανικού δολαρίου και μια αντίστοιχη σχετική πτώση των νομισμάτων μιας σειράς αναδυόμενων οικονομιών της αγοράς – ιδίως των χωρών που εξαρτώνται από τις εξαγωγές πρωτογενών προϊόντων και ειδικότερα των χωρών στις οποίες οι εξαγωγές πετρελαίου αποτελούν σημαντικό μέρος των συνολικών τους εξαγωγών.
Μέχρι στιγμής, η τελευταία διολίσθηση της τιμής του πετρελαίου δεν συνοδεύτηκε από sell-off στις αναδυόμενες αγορές.
Ήρθε ως κάτι λιγότερο από ένα σοκ, μετά από αρκετά χρόνια μεταβλητών τιμών.
Και, για πρώτη φορά, δεν συνοδεύτηκε από ένα «τιμωρητικά» ισχυρό δολάριο.
Αλλά εάν τιμές παραμείνουν στο τρέχον επίπεδό τους, οι πιέσεις στα μέλη του Οργανισμού Εξαγωγών Πετρελαιοπαραγωγών Χωρών (ΟΠΕΚ) θα μπορούσαν να οξυνθούν — και οι επιπτώσεις θα μπορούσαν να γίνουν αισθητές πέρα από τα σύνορά τους.
Επιπλέον, η μείωση των τιμών του πετρελαίου θα μπορούσε να ασκήσει καθοδικές πιέσεις στον πληθωρισμό παγκοσμίως, οδηγώντας ακόμη και σε αποπληθωρισμό.
Μια τέτοια εξέλιξη θα μπορούσε με τη σειρά της να οδηγήσει πιθανώς σε ακόμη περισσότερες «ενέσεις» ρευστότητας από τις κεντρικές τράπεζες, με τη μορφή της ποσοτικής χαλάρωσης, τροφοδοτώντας περαιτέρω τις φούσκες του χρηματιστηρίου και των ομολόγων.
Την ίδια ώρα, αρνητικές είναι οι επιδράσεις της πτώσης του πετρελαίου και στις διεθνείς χρηματιστηριακές αγορές, καθώς οι ενεργειακές εταιρείες, που έχουν σημαντικό βάρος στους δείκτες, καταγράφουν σημαντικές ζημιές.

Οι επενδυτές δεν πείθονται από τα μέτρα του ΟΠΕΚ

Όταν στα τέλη του 2016, ο ΟΠΕΚ κατέληξε μαζί με άλλους παραγωγούς πετρελαίου σε μια συμφωνία για τη μείωση της παραγωγής, την είχε παρουσιάσει σαν ένα προσωρινό μέτρο προκειμένου να επαναφέρει σε ισορροπία στην παγκόσμια αγορά.
Εξάλλου, ο Khalid al-Falih, Υπουργός ενέργειας της Σαουδικής Αραβίας, δήλωσε τον Μάρτιο του 2017:
«Η ιστορία έχει δείξει ότι οι παρεμβάσεις σε απάντηση στις διαρθρωτικές μεταβολές είναι σε μεγάλο βαθμό αναποτελεσματικές».
Σύμφωνα με το «Bloomberg», αν και το ποσοστό συμμόρφωσης στη συμφωνία του ΟΠΕΚ έφθασε το 106% τον περασμένο Μάιο, ωστόσο τίποτα δεν επιτεύχθηκε, καθώς οι τιμές είναι χαμηλότερες, απ’ όσο ήταν πριν την αρχική συμφωνία του Δεκεμβρίου του 2016.
Αντιθέτως με τον στόχο, οι συμμετέχοντες στη συμφωνία όχι μόνο θυσιάζουν μέρος του όγκου της παραγωγής τους, αλλά κερδίζουν και λιγότερα για κάθε βαρέλι που παράγουν.
Η τιμή του Brent έπεσε την περασμένη εβδομάδα κάτω από τα 45 δολ. το βαρέλι και, παρόλο που στο τέλος της εβδομάδας κατάφερε να ανακάμψει, έχει πλέον χάσει όλα τα κέρδη που είχε αποκομίσει μετά τη συμφωνία του ΟΠΕΚ.

Παρά την απόφαση μεταξύ της Σαουδικής Αραβίας, της Ρωσίας και άλλων παραγωγών να επεκτείνουν τις περικοπές για εννέα άλλους μήνες, οι επενδυτές σαφώς δεν έχουν πειστεί ότι η επίμονη υπερπροσφορά είναι βραχυπρόθεσμη, ή ότι τα μέτρα αυτά θα είναι αρκετά για να την αντιμετωπίσουν.
Και μάλλον έχουν βάσιμους λόγους να είναι επιφυλακτικοί.
Οι τελευταίες προβλέψεις από τον Διεθνή Οργανισμό Ενέργειας είναι ότι η παγκόσμια ζήτηση για το πετρέλαιο θα αυξηθεί το 2018 γρηγορότερα από ό,τι αναμενόταν μέχρι πρότινος.
Εκτός αυτού, μπορεί η Σαουδική Αραβία, η Ρωσία και οι σύμμαχοί τους να μειώνουν την παραγωγή, η προμήθεια όμως που είναι πέρα από τον έλεγχό τους, διαρκώς αυξάνεται.
Η Λιβύη και η Νιγηρία – δύο μέλη του ΟΠΕΚ που απαλλάσσονται από τις περικοπές - και οι Αμερικανοί παραγωγοί σχιστολιθικού πετρελαίου, που επλήγησαν σοβαρά από την κατάρρευση των τιμών των βασικών εμπορευμάτων το 2014, έχουν γίνει πιο δυνατοί και πιο αποτελεσματικοί και αυξάνουν την παραγωγή τους, υπονομεύοντας τις προσπάθειες χαλιναγώγησης του παγκόσμιου πλεονάσματος.
Περαιτέρω περικοπές από τον ΟΠΕΚ - μια ιδέα που απορρίφθηκε μόλις πριν από έναν μήνα - ακόμη δείχνουν απίθανες.
Προς το παρόν τουλάχιστον, η υπόσχεση της Σαουδικής Αραβίας να κάνει «ό,τι χρειάζεται» προκειμένου να σταθεροποιηθούν οι τιμές, μοιάζει να μην έχει φέρει και πολλά αποτελέσματα.
Εξάλλου, η επίτευξη μιας νέας συμφωνίας μεταξύ των μελών του ΟΠΕΚ για περαιτέρω μείωση της παραγωγής θα ήταν δύσκολη υπόθεση, δεδομένου ότι τα κράτη που έχουν ήδη πραγματοποιήσει μειώσεις, δείχνουν να έχουν αρχίσει να χάνουν έδαφος από τους ανταγωνιστές που συνεχίζουν να αυξάνουν τις προμήθειές τους και μάλλον δεν θα ανεχτούν για πολύ αυτή την κατάσταση.
Επιπλέον, καμία από τις μεγάλες κυρίως πετρελαιοπαραγωγούς χώρες που συμμετέχουν στη συμφωνία, όπως η Ρωσία, δεν έχουν την διάθεση για πραγματικές θυσίες.
Ειδικά για τη Ρωσία, στη μείωση της παραγωγής της συνέβαλαν συνήθεις εποχιακοί παράγοντες, όπως οι εργασίες συντήρησης των εγκαταστάσεων στα κοιτάσματα, εκτιμώντας ότι η διατήρηση των σημερινών επιπέδων παραγωγής μπορεί να είναι δύσκολη για το υπόλοιπο 2017, όπως σημειώνει το «Bloomberg».
Την ίδια στιγμή, οι παραγωγοί ανανεώσιμων πηγών ενέργειας καθίστανται ολοένα και περισσότερο σε θέση να ανταγωνιστούν χωρίς επιδοτήσεις.
Όπως σχολιάζουν οι «Financial Times», οποιοδήποτε εποικοδομητικό όραμα για το μέλλον θα πρέπει να περιλαμβάνει μια πολύ μικρότερη εξάρτηση από τα ορυκτά καύσιμα, μια κερδοφόρα παραγωγή ανανεώσιμων πηγών ενέργειας παραγωγής και μια μεγαλύτερη αποτελεσματικότητα σε όλους τους χώρους.

Ελευθερία Πιπεροπούλου
ΠΗΓΗ

          Yes, Petty Idiocy Still Rules Society    

Late night loud yowls, most precious Big Cat Beauties... sheesh, geez, what a long busy-overwhelming week for this Big Cat... okay, really who cares about ENEMY-MSM Mika? However, petty idiocy still rules our society...sadly! But come on, Mika looks like a programmed android, and she is STUPID ... all you have to do is look at her, listen to her for a few minutes, and it's obvious--her IQ is not impressive, let's say... and let's get a dose of reality, how obvious is it that President Trump is just fish-hooking these brainless-wonder presstitutes into reacting crazily... MEANWHILE he's doing the real business of being president of these united states. BEHIND THE SCENES.

Yeah, the Kougar couldn't resist this political cartoon. ~smiles~

Okay, according to Sorcha Faal of ~whatdoesitmean.com~ there is a plot to possibly assassinate President Trump during the G20, when The Donald and Putin are supposed to meet... thus, to blame it on the Russians and cause a world war.

MESSAGE TO THE SINISTER-FORCE GLOBALISTS: NO, YOU WILL NOT ASSASSINATE PRESIDENT DONALD J. TRUMP. NOT EVER. WHATEVER YOU ATTEMPT WILL MERELY BACKFIRE ON YOU WITH DEADLY CONSEQUENCES. AND SO IT IS!!! 

~~~~~~

PAUL JOSEPH WATSON DOES A BRILLIANT JOB EXPOSING THE IDIOCRACY HYPOCRISY OVER POOR LITTLE ATTACKED MIKA. 


Save Me The Feigned Outrage Over Trump’s Mika Brzezinski Tweet

Paul Joseph Watson | The media has spent the last 2 years viciously attacking Trump over his appearance.


IF YOU WANT ANY KIND OF FREEDOM AND PRIVACY AROUND YOUR MONEY, THIS BILL MUST BE STOPPED. IT IS MORE THAN HORRENDOUS AND VIOLATES THE CONSTITUTION SIX WAYS TO SUNDAY. 





FANNIE AND FREDDIE WERE LOOTED BLIND BY OBOZO AND CREW, AND THE CONGRESS SIMPLY IGNORES THIS MASSIVE CRIME. 

SENATE OPENS LEGISLATIVE SEASON ON FANNIE AND FREDDIE IGNORING THEFT OF SHAREHOLDER VALUE

Senate Banking Committee features Sen. Corker plan to hand mortgage market to Wall Street and big banks

THE PEDO EMPIRE IS CRUMBLING DAY BY DAY... THANK THE DIVINE ... THIS BIG CAT IS ENTIRELY GRATEFUL FOR THE INCREDIBLE EXPOSURE THAT IS HAPPENING NOW, AND FOR THE ROUND UP OF THESE PSYCHO-PERVERTS WHO RULE AND RUN AND RUIN OUR LIVES. 


BREAKING: POPE’S PEDOPHILE NETWORK IMPLODING AS HIS TOP AIDE IS INDICTED FOR CHILD RAPE

Catholic church involved in child sex once again 


JAMES O'KEEFE, WHAT A HERO REAL JOURNALIST!!! 

WATCH: CNN CEO ‘COWARDLY’ RUNS AWAY FROM JAMES O’KEEFE

Fake news ringleader hides from press 


YEAH, THANKS STUPID-BRAIN NIKKI HALEY ... WE SO NEED A BIG OLE NASTY, KILL OFF HUMANITY, *KILL OFF THE PLANET WAR* WITH RUSSIA [SNARK] BECAUSE OF A MCMASTER-ORCHESTRATED FALSE FLAG ... YOU TWIT-ZOID. 

https://www.infowars.com/russian-senator-warns-u-s-preparing-provocation-to-attack-syria 

RUSSIAN SENATOR WARNS U.S. PREPARING “PROVOCATION” TO ATTACK SYRIA

Trump admin could launch false flag blamed on Assad


Russian Senator Alexei Pushkov warns that the United States is preparing a false flag “provocation” as a pretext to launch a military assault on Syria.
Responding to a CNN report that the U.S. “has ships and aircraft in place to strike Syria,” if ordered to do so by the President, Pushkov cautioned that this could be the precursor to a staged incident.
“The United States put its Navy and Air Force on alert, and is just waiting for an excuse to strike Syria. Assad will not give them one.” This, Pushkov wrote, makes it “the perfect time for a provocation.”
США привели в готовность силы ВМФ и ВВС и ждут лишь предлога для удара по Сирии. Асад им предлога не даст. Идеальное время для провокации.
Earlier this week, the administration warned Bashar Al-Assad that the U.S. was aware of new preparations for a chemical attack and that he would pay a “heavy price” for any such action.
This was followed up by a tweet from Ambassador Nikki Haley in which she asserted, “Any further attacks done to the people of Syria will be blamed on Assad, but also on Russia & Iran who support him killing his own people.”
Any further attacks done to the people of Syria will be blamed on Assad, but also on Russia & Iran who support him killing his own people.
On Wednesday, White House spokeswoman Sarah Huckabee Sanders indicated that the Trump administration’s warning to Assad had been “successful,” but Russian Foreign Ministry spokeswoman Maria Zakharova took the move as “a warning sign of an intervention.”
“The campaign, which was started by the US and is being backed by London and Paris, on the alleged chemical attack that is claimed to be prepared by Damascus, is not original, it’s a textbook script, which has already been used in several countries in the region,” Zakharova said.
“The situation seems to be a massive provocation, both military and information-wise, a provocation which targets not only the Syrian leadership, but also Russia,” she added.
Back in April, the Trump administration launched 59 cruise missiles against a Syrian airfield claimed to be the base for government aircraft that carried out a chemical weapons attack in Khan Shaykhun.
The decision caused a split amongst Trump’s base because he specifically ran on the promise of not getting the United States entangled in more Middle Eastern conflicts that lead to the overthrow of secular leaders.
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Paul Joseph Watson is the editor at large of Infowars.com and Prison Planet.com.

THE EARTHQUAKES ARE STILL SHAKING UP THE PLANET ... THE KOUGAR CANNOT EVEN POST THEM ALL HERE

OKAY, SUPPOSEDLY, TO UPDATE THIS ARTICLE, RAND PAUL HAD A VERY GOOD MEETING WITH PRESIDENT TRUMP WHICH HE FEELS WILL YIELD POSITIVE RESULTS ... LET'S HOPE SO! 

RAND PAUL: HEALTH BILL IS NOW ‘OBAMACARE-PLUS’; IT SUBSIDIZES THE DEATH SPIRAL”

Legislation is "propping up" insurance companies

Senator Rand Paul continued to voice stern opposition to the Obamacare replacement legislation Friday, saying it isn’t even ‘Obamacare lite’ anymore, and instead is more like ‘Obamacare plus’.
Appearing on “Your World with Neil Cavuto,” last night, Paul noted that the Republican legislation may actually provide more subsidies than Obamacare.
“[W]hen we look at the bill, we actually find that with the Obamacare subsidies, not only are we keeping them, we may actually be providing more subsidies than Obamacare has.” Paul exclaimed.
“Our early estimates on the bill are that the bill may spend more in the next year or two than Obamacare does.” Paul added.
“And so, it’s hard for us to get our mind around that this is a repeal bill if we’re spending more, keeping all the subsidies, and then we’re going to start a brand new federal entitlement program where we give insurance companies money.” the Senator explained.
“I keep reading it and…it sounds like Obamacare to me. It doesn’t even sound like Obamacare-lite. In some areas, it may be Obamacare-plus, on the subsidy side.” he urged.
Paul also warned that the bill “subsidizes the death spiral of Obamacare.”
“It dumps a bunch of federal money, taxpayer money, or borrowed money into the insurance industry and says, ‘Hey, please lower the prices if we give you money.’” Paul told viewers.
In a further appearance on Morning Joe Friday, the Senator said that the so called healthcare overhaul is actually centered around “propping up” insurance companies.

“The insurance companies make all the money; all of this is predicated upon still propping up the insurance companies.” Paul said, adding that “you should be able to get insurance for $1 a day. I mean, you really should.”
The Senator argued that the legislation will amount to more “bailing out” of insurance companies.
“I want the bill to look more like a repeal bill. I promised people I was going to repeal it; I didn’t promise people that I was going to replace it with a federal program of bailing out insurance companies,” Paul asserted.
“I mean, we could do this for cars,” he added. “New cars are expensive. We could have a car stabilization fund.” he further argued.
In an interview with Breitbart, Paul noted that “The bill keeps ten of twelve Obamacare regulations that causes the prices of premiums to spiral upward.”


AT LEAST, THEY RECOGNIZE SOME LEVEL OF REALITY ... BLESS YOU WHEREVER YOU ARE, HERO SETH RICH 

  • Ohio jobs
          (USA-MI-KALAMAZOO) CSR / Teller - Milwood BC - Part Time   
Fifth Third Bank is one of the top-performing banks in the country, with a heritage that spans more than 150 years. As The curious bank, we've staked our claim on looking at things differently, at being better listeners and at showing more commitment. This applies to our relationships with customers and employees alike. **We employ about 19,000 people, and what we offer is:** * A chance for employees to build their future, with supportive career development and financial wellness programs. * An environment where we win together. We celebrate achievement and work collaboratively. We're also a two-time Gallup Great Workplace honoree. * An invitation to impact lives in a positive and lasting way. Everything we do is geared toward improving lives. That's fun and exciting. It comes down to the fact that Fifth Third is a warm and caring place to with which to grow # as a customer or as a team member. Our Financial Centers provide a full range of deposit, digital delivery, lending, and credit card solutions products to individuals and small businesses in 12 states: Ohio, Michigan, Illinois, Indiana, Kentucky, Missouri, Tennessee, West Virginia, Pennsylvania, Georgia, Florida, and North Carolina. We have more than 1,300 full-service Financial Centers, including more than 100 Bank Mart® locations open seven days a week inside select grocery stores. Our Curious Bankers are committed to listening to our customers and inspiring them with smart financial solutions. Customers depend on us to provide banking products/services that impact their lives and meet their needs, whether saving for a home or a child's education, planning for retirement, or building a business. **GENERAL FUNCTION:** Provide excellent customer care to customers regarding daily transactions, addressing inquiries, and problem resolution, in accordance with Fifth Third Bank policies. Refer customers to the appropriate business partner for products and services uncovered during business interactions and/or conversations. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensuresthatactions and behaviors drive a positive customer experience. While operating within the Bank#s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. **ESSENTIAL DUTIES & RESPONSIBILITIES:** . Customer Experience Function: o Promote good customer experience by consistently providing best in class customer satisfaction by adhering to and applying customer experience key behaviors in a friendly demeanor, exemplifying a can-do attitude, and portraying awillingnesstohelpat all times. o Have a developed rapport with the customer base and have knowledge of account ownership. o Act with confidence by answering and/or finding answers to customer questions and finding solutions to customer issues; be responsive and timely with correspondence and problem resolution. o Maintain a position of trust and responsibility by keeping all customer business confidential. o Follow the Bancorp Code of Business Conduct and Ethics and other related policies, maintaining ethical behavior at all times. . Operations Function: o Perform daily office responsibilities, working with the platform team, to maintain the efficient operation of the office. o Maintain a balancing record that is in line with policy and have the ability to find and correct outages and to enlist help as needed. o Maintain knowledge of the bank policies and financial center procedures, and take responsibility to keep up to date on any changes. o Handle consumer and business customer problems with professionalism, directing more complex issues seamlessly to the Lead Customer Service Representative or other leadership as necessary. o Demonstrate sound judgment in decision making, abiding appropriately to established guidelines and procedures. . Referrals Function: o Consistently meet or exceed sales referrals, as set by management. o Actively involve self in daily huddles, sales meetings and staff meetings. o Maintain a well-developed working knowledge of the complete line of Retail products and services offered, taking responsibility to keep up to date and request assistance for further development needs. o Initiate conversations to uncover customer needs and effectively refer customers to business partners for the selling of bank products and services. o Utilize appropriate tools for all referrals sent to business partners for tracking purposes. o Consistent daily review of tools and dashboards for referral progression and monitoring of referral fulfillment to ensure proper disposition of referrals. o Continuously increase knowledge and skills through self-motivation, formal education, seminars and in-house training. **SUPERVISORY RESPONSIBILITIES:** None. Fifth Third Bank is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status. * MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED: . High school diploma/GED. . Work involves extensive cash handling, which requires ability to perform advanced math functions. . Work involves contact with the public, necessitating the ability to present a professional image. . Must have the ability to interact comfortably and confidently with the public and demonstrate the initiative to initiate dialogue. . Work requires the ability to properly read and write well enough to communicate in both oral and written form. . Position requires knowledge of retail policies and procedures in order to perform the essential duties. . Work requires the ability to take initiative and utilize sound judgment in decision-making and diplomacy and tact in problem resolution. . Must be able to work in a team environment with the ability to interact well, and in a positive manner, with co-workers and management. . Need to have flexibility in scheduling. **WORKING CONDITIONS:** . Normal office environment. . Extending viewing of computer screens.
          (USA-MI-KALAMAZOO) CSR / Teller - Gull Road BC - Part Time   
Fifth Third Bank is one of the top-performing banks in the country, with a heritage that spans more than 150 years. As The curious bank, we've staked our claim on looking at things differently, at being better listeners and at showing more commitment. This applies to our relationships with customers and employees alike. **We employ about 19,000 people, and what we offer is:** * A chance for employees to build their future, with supportive career development and financial wellness programs. * An environment where we win together. We celebrate achievement and work collaboratively. We're also a two-time Gallup Great Workplace honoree. * An invitation to impact lives in a positive and lasting way. Everything we do is geared toward improving lives. That's fun and exciting. It comes down to the fact that Fifth Third is a warm and caring place to with which to grow # as a customer or as a team member. Our Financial Centers provide a full range of deposit, digital delivery, lending, and credit card solutions products to individuals and small businesses in 12 states: Ohio, Michigan, Illinois, Indiana, Kentucky, Missouri, Tennessee, West Virginia, Pennsylvania, Georgia, Florida, and North Carolina. We have more than 1,300 full-service Financial Centers, including more than 100 Bank Mart® locations open seven days a week inside select grocery stores. Our Curious Bankers are committed to listening to our customers and inspiring them with smart financial solutions. Customers depend on us to provide banking products/services that impact their lives and meet their needs, whether saving for a home or a child's education, planning for retirement, or building a business. **GENERAL FUNCTION:** Provide excellent customer care to customers regarding daily transactions, addressing inquiries, and problem resolution, in accordance with Fifth Third Bank policies. Refer customers to the appropriate business partner for products and services uncovered during business interactions and/or conversations. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensuresthatactions and behaviors drive a positive customer experience. While operating within the Bank#s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. **ESSENTIAL DUTIES & RESPONSIBILITIES:** . Customer Experience Function: o Promote good customer experience by consistently providing best in class customer satisfaction by adhering to and applying customer experience key behaviors in a friendly demeanor, exemplifying a can-do attitude, and portraying awillingnesstohelpat all times. o Have a developed rapport with the customer base and have knowledge of account ownership. o Act with confidence by answering and/or finding answers to customer questions and finding solutions to customer issues; be responsive and timely with correspondence and problem resolution. o Maintain a position of trust and responsibility by keeping all customer business confidential. o Follow the Bancorp Code of Business Conduct and Ethics and other related policies, maintaining ethical behavior at all times. . Operations Function: o Perform daily office responsibilities, working with the platform team, to maintain the efficient operation of the office. o Maintain a balancing record that is in line with policy and have the ability to find and correct outages and to enlist help as needed. o Maintain knowledge of the bank policies and financial center procedures, and take responsibility to keep up to date on any changes. o Handle consumer and business customer problems with professionalism, directing more complex issues seamlessly to the Lead Customer Service Representative or other leadership as necessary. o Demonstrate sound judgment in decision making, abiding appropriately to established guidelines and procedures. . Referrals Function: o Consistently meet or exceed sales referrals, as set by management. o Actively involve self in daily huddles, sales meetings and staff meetings. o Maintain a well-developed working knowledge of the complete line of Retail products and services offered, taking responsibility to keep up to date and request assistance for further development needs. o Initiate conversations to uncover customer needs and effectively refer customers to business partners for the selling of bank products and services. o Utilize appropriate tools for all referrals sent to business partners for tracking purposes. o Consistent daily review of tools and dashboards for referral progression and monitoring of referral fulfillment to ensure proper disposition of referrals. o Continuously increase knowledge and skills through self-motivation, formal education, seminars and in-house training. **SUPERVISORY RESPONSIBILITIES:** None. Fifth Third Bank is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status. * MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED: . High school diploma/GED. . Work involves extensive cash handling, which requires ability to perform advanced math functions. . Work involves contact with the public, necessitating the ability to present a professional image. . Must have the ability to interact comfortably and confidently with the public and demonstrate the initiative to initiate dialogue. . Work requires the ability to properly read and write well enough to communicate in both oral and written form. . Position requires knowledge of retail policies and procedures in order to perform the essential duties. . Work requires the ability to take initiative and utilize sound judgment in decision-making and diplomacy and tact in problem resolution. . Must be able to work in a team environment with the ability to interact well, and in a positive manner, with co-workers and management. . Need to have flexibility in scheduling. **WORKING CONDITIONS:** . Normal office environment. . Extending viewing of computer screens.
          (USA-MI-PAW PAW) CSR / Teller - Paw Paw BC - Part Time   
Fifth Third Bank is one of the top-performing banks in the country, with a heritage that spans more than 150 years. As The curious bank, we've staked our claim on looking at things differently, at being better listeners and at showing more commitment. This applies to our relationships with customers and employees alike. **We employ about 19,000 people, and what we offer is:** * A chance for employees to build their future, with supportive career development and financial wellness programs. * An environment where we win together. We celebrate achievement and work collaboratively. We're also a two-time Gallup Great Workplace honoree. * An invitation to impact lives in a positive and lasting way. Everything we do is geared toward improving lives. That's fun and exciting. It comes down to the fact that Fifth Third is a warm and caring place to with which to grow # as a customer or as a team member. Our Financial Centers provide a full range of deposit, digital delivery, lending, and credit card solutions products to individuals and small businesses in 12 states: Ohio, Michigan, Illinois, Indiana, Kentucky, Missouri, Tennessee, West Virginia, Pennsylvania, Georgia, Florida, and North Carolina. We have more than 1,300 full-service Financial Centers, including more than 100 Bank Mart® locations open seven days a week inside select grocery stores. Our Curious Bankers are committed to listening to our customers and inspiring them with smart financial solutions. Customers depend on us to provide banking products/services that impact their lives and meet their needs, whether saving for a home or a child's education, planning for retirement, or building a business. **GENERAL FUNCTION:** Provide excellent customer care to customers regarding daily transactions, addressing inquiries, and problem resolution, in accordance with Fifth Third Bank policies. Refer customers to the appropriate business partner for products and services uncovered during business interactions and/or conversations. Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensuresthatactions and behaviors drive a positive customer experience. While operating within the Bank#s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. **ESSENTIAL DUTIES & RESPONSIBILITIES:** . Customer Experience Function: o Promote good customer experience by consistently providing best in class customer satisfaction by adhering to and applying customer experience key behaviors in a friendly demeanor, exemplifying a can-do attitude, and portraying awillingnesstohelpat all times. o Have a developed rapport with the customer base and have knowledge of account ownership. o Act with confidence by answering and/or finding answers to customer questions and finding solutions to customer issues; be responsive and timely with correspondence and problem resolution. o Maintain a position of trust and responsibility by keeping all customer business confidential. o Follow the Bancorp Code of Business Conduct and Ethics and other related policies, maintaining ethical behavior at all times. . Operations Function: o Perform daily office responsibilities, working with the platform team, to maintain the efficient operation of the office. o Maintain a balancing record that is in line with policy and have the ability to find and correct outages and to enlist help as needed. o Maintain knowledge of the bank policies and financial center procedures, and take responsibility to keep up to date on any changes. o Handle consumer and business customer problems with professionalism, directing more complex issues seamlessly to the Lead Customer Service Representative or other leadership as necessary. o Demonstrate sound judgment in decision making, abiding appropriately to established guidelines and procedures. . Referrals Function: o Consistently meet or exceed sales referrals, as set by management. o Actively involve self in daily huddles, sales meetings and staff meetings. o Maintain a well-developed working knowledge of the complete line of Retail products and services offered, taking responsibility to keep up to date and request assistance for further development needs. o Initiate conversations to uncover customer needs and effectively refer customers to business partners for the selling of bank products and services. o Utilize appropriate tools for all referrals sent to business partners for tracking purposes. o Consistent daily review of tools and dashboards for referral progression and monitoring of referral fulfillment to ensure proper disposition of referrals. o Continuously increase knowledge and skills through self-motivation, formal education, seminars and in-house training. **SUPERVISORY RESPONSIBILITIES:** None. Fifth Third Bank is proud to have an engaged and inclusive culture and to promote and ensure equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status. * MINIMUM KNOWLEDGE, SKILLS AND ABILITIES REQUIRED: . High school diploma/GED. . Work involves extensive cash handling, which requires ability to perform advanced math functions. . Work involves contact with the public, necessitating the ability to present a professional image. . Must have the ability to interact comfortably and confidently with the public and demonstrate the initiative to initiate dialogue. . Work requires the ability to properly read and write well enough to communicate in both oral and written form. . Position requires knowledge of retail policies and procedures in order to perform the essential duties. . Work requires the ability to take initiative and utilize sound judgment in decision-making and diplomacy and tact in problem resolution. . Must be able to work in a team environment with the ability to interact well, and in a positive manner, with co-workers and management. . Need to have flexibility in scheduling. **WORKING CONDITIONS:** . Normal office environment. . Extending viewing of computer screens.
          (USA-MI-Kalamazoo) PCA Nursing Resource Team BMC / Borgess Medical Center / FT Nights, 72 hours biweekly   
**Job ID: 202067** **PCA Nursing Resource Team BMC / Borgess Medical Center / FT Nights, 72 hours biweekly** **Kalamazoo, Michigan** **Regular/Night** **Additional Job Information** **Title:** PCA Nursing Resource Team BMC **City, State:** Kalamazoo,MI **Location:** Borgess Medical Center **Department:** Nurse Staffing 001 **Additional Job Details:** FT Nights, 72 hours biweekly **Marketing Statement** Based in Kalamazoo, Borgess provides care for nearly 1 million people annually in cardiac, neurologic, orthopedic, vascular and bariatric services, among others. We are one of the region’s largest health systems and employers and have been serving as part of Ascension since 1999. **Job Description** **Job Summary:** The PCA, under general supervision and according to established policies and procedures, may be assigned a variety of duties designed to assist with the direct care of the patient. This may include ordering and stocking unit supplies of all types needed for patient care and locating shared equipment within the hospital. Timely and efficient completion of these tasks is required for quality patient care. Interpersonal skills are necessary to communicate effectively and relate politely to patients, visitors and fellow staff members. Adheres to Borgess Medical Center mission, vision and values. **Responsibilities:** + Must be able to successfully complete orientation/training programs for the position as evidenced by completion of competencies. + Must be able to work effectively as a team member in the delivery of care and promote collaboration and a positive work environment. + Must have computer skills to be able to enter and retrieve patient information. + Observes and records pertinent information, consults with and reports significant reactions and changes in patient condition to the appropriate Registered Nurse. + Inventory, Order, stock and locate various equipment and supplies needed for patient care. + The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or requirements. **Qualifications** **Licenses/Certifications/Registration:** + **Required Credential(s):** + BLS Provider credentialed from the American Heart Association (AHA) obtained within 3 Months (90 days) of hire date or job transfer date. + Certification specializing in Crisis Prevention obtained within 3 Months (90 days) of hire date or job transfer date. **Education:** + High School Diploma or Equivalent (GED) required + A minimum of six (6) months experience with direct patient care preferred. **How To Apply** For questions or assistance with completing the online application, please contact Ascension candidate care at 855-778-6037. **Equal Employment Opportunity** Borgess Health is an equal opportunity employer, dedicated to the nondiscrimination in employment on the basis of race, color, age, religion, sex, national origin, handicap, disability, veteran or marital status. Please note that Ascension will make an offer of employment only to individuals who have applied for a position using our official application. Be on alert for possible fraudulent offers of employment. Ascension will not solicit money or banking information from applicants.
          (USA-MI-Kalamazoo) BSS Patient Care Associate / Borgess Medical Center / PRN Nights   
**Job ID: 205189** **BSS Patient Care Associate / Borgess Medical Center / PRN Nights** **Kalamazoo, Michigan** **Regular/Night** **Additional Job Information** **Title:** BSS Patient Care Associate **City, State:** Kalamazoo,MI **Location:** Borgess Medical Center **Department:** Staffing Services 002 **Additional Job Details:** PRN Nights **Marketing Statement** Based in Kalamazoo, Borgess provides care for nearly 1 million people annually in cardiac, neurologic, orthopedic, vascular and bariatric services, among others. We are one of the region’s largest health systems and employers and have been serving as part of Ascension since 1999. **Job Description** **Job Summary:** The Patient Care Associate performs basic patient care activities to patients in assigned area. **Responsibilities:** + Assists with treatments ordered by physician and supervised by a Registered Nurse (RN). + Assists patients with tending to personal care and activities of daily living. + Reports findings or changes in physical, mental and emotional conditions to nursing staff. + Assists with keeping patient rooms clean and orderly. + On the Behavioral Medicine Unit, successful completion of CPI and be physically capable of implementing CPI techniques. + The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or requirements. **Qualifications** **Licenses/Certifications/Registration:** + **Required Credential(s):** + BLS Provider credentialed from the American Heart Association (AHA) obtained within 3 Months (90 days) of hire date or job transfer date. + Certification specializing in Crisis Prevention obtained within 3 Months (90 days) of hire date or job transfer date. + Finger Printing obtained prior to hire date or job transfer date. **Education:** + High School Diploma or Equivalent (GED) required + Minimum of six (6)month's experience with direct patient care is preferred. **How To Apply** For questions or assistance with completing the online application, please contact Ascension candidate care at 855-778-6037. **Equal Employment Opportunity** Borgess Health is an equal opportunity employer, dedicated to the nondiscrimination in employment on the basis of race, color, age, religion, sex, national origin, handicap, disability, veteran or marital status. Please note that Ascension will make an offer of employment only to individuals who have applied for a position using our official application. Be on alert for possible fraudulent offers of employment. Ascension will not solicit money or banking information from applicants.
          (USA-MI-Kalamazoo) Registered Nurse Behavioral Adult / Borgess Medical Center / FT Evening / 40 Hours Weekly   
**Job ID: 203161** **Registered Nurse Behavioral Adult / Borgess Medical Center / FT Evening / 40 Hours Weekly** **Kalamazoo, Michigan** **Regular/Evening** **Additional Job Information** **Title:** Registered Nurse Behavioral Adult **City, State:** Kalamazoo, MI **Location:** Borgess Medical Center **Department:** Adlt Psychiatry Nrsng Unit 001 **Additional Job Details:** FT Evening, 40 Hours Weekly **Marketing Statement** Based in Kalamazoo, Borgess provides care for nearly 1 million people annually in cardiac, neurologic, orthopedic, vascular and bariatric services, among others. We are one of the region’s largest health systems and employers and have been serving as part of Ascension since 1999. **Job Description** **Job Summary:** The Registered Nurse Behavioral Adult provides professional nursing care within Borgess Medical Center. The practice of professional nursing is the systematic application of specialized knowledge and skill, derived from the biological, physical, and behavioral sciences to the care, treatment, counsel and health teaching of individuals who are experiencing changes in normal health processes or who require assistance in the maintenance of health and the prevention or management of illness, injury or disability and demonstrates this through the application of the Standards of Clinical Nursing Practice and Standards of Professional Performance defined by the American Nurses Association. Recognizes that each patient is a unique individual and has the right to quality nursing care that ensures mutual goal setting between the Registered Nurse and the patient and assures patient rights and privacy are protected. Recognizing personal, interpersonal, and social systems, the nursing process facilitates the promotion, maintenance and restoration of an individual’s health, incorporating knowledge of growth and development through the life span. The scope of nursing practice includes the teaching, direction, and supervision of less skilled personnel in the performance of delegated nursing activities. May delegate the acts, tasks or functions and bears the responsibility for the acts, tasks, or functions within the scope of delegation. Accountable to the ethical and professional standards as defined in the ANA Code for Nurses, the ANA Nursing’s Social Policy Statement, the State of Michigan Public Health Code, and the ANA and Specialty Nursing Standards of Clinical Practice. Accountable to the standards set by BMC as defined in the Administrative, Patient Care and Biosafety Policy and Procedure Manuals. Accountable to adhering to the standards set by regulatory agencies such as but not limited to the Joint Commission on Accreditation of Healthcare Organizations (JCAHO), Conditions of Participation of Healthcare Finance Administration (HCFA), and Michigan Occupational Health and Safety (MOSHA). These accountabilities require individual competence in nursing practice, and the recognition and responsible acceptance of individual actions and judgments. Must adhere to the additional educational and competency requirements that are listed in the addendum for each department in which they will be working. Knowledgeable of nursing practice, procedures, competencies, and patient care standards as well as regulations and guidelines pertaining to nursing care. **Responsibilities:** + In collaboration with the patient and/or family, and healthcare team, participates in open discussion to identify mutual goals based on the nursing assessment and nursing diagnosis. + Diagnoses, treats and evaluates the human response to actual or potential health problems/needs. + Evaluates the outcomes of the nursing plan of care and revises it as necessary. + Assesses, detects, monitors and attempts to prevent complications associated with health situations or treatment plans. + Implements physicians' orders using nursing judgment through nursing interventions and coordination of others to do the same. + Notifies the physician of patient condition and response to nursing intervention appropriately and documents this action. + Responsible for delegation to other licensed and unlicensed care providers based on clinical nursing judgment and skill of the care provider. + The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or requirements. **Qualifications** **Licenses/Certifications/Registration:** + **Required Credential(s):** + BLS Provider credentialed from the American Heart Association (AHA) obtained within 3 Months (90 days) of hire date or job transfer date. + Certification specializing in Crisis Prevention obtained within 3 Months (90 days) of hire date or job transfer date. + Finger Printing obtained prior to hire date or job transfer date. + Licensed Registered Nurse obtained within 3 Months (90 days) of hire date or job transfer date. **Education:** + The Registered Nurse must have an Associates of Applied Science in Nursing (AAS) Degree or Bachelors of Science in Nursing (BSN) or RN Diploma at start date. + BSN is required within six (6) years of start date. Incumbents hired into position prior to 1/1/2015 are grandfathered with their existing educational degrees. **Work Experience:** + BSN preferred. + Psychiatric experience preferred. **How To Apply** For questions or assistance with completing the online application, please contact Ascension Candidate Care at 855-778-6037. **Equal Employment Opportunity** Borgess Health is an equal opportunity employer, dedicated to the nondiscrimination in employment on the basis of race, color, age, religion, sex, national origin, handicap, disability, veteran or marital status. Please note that Ascension will make an offer of employment only to individuals who have applied for a position using our official application. Be on alert for possible fraudulent offers of employment. Ascension will not solicit money or banking information from applicants.
          (USA-MI-Kalamazoo) Operations Associate - Radiology / Borgess Medical Center / PRN Rotating   
**Job ID: 204995** **Operations Associate - Radiology / Borgess Medical Center / PRN Rotating** **Kalamazoo, Michigan** **Regular/Rotating** **Additional Job Information** **Title:** Operations Associate - Rad BMC **City, State:** Kalamazoo,MI **Location:** Borgess Medical Center **Department:** Diagnostic Radiology 001 **Additional Job Details:** PRN Rotating **Marketing Statement** Based in Kalamazoo, Borgess provides care for nearly 1 million people annually in cardiac, neurologic, orthopedic, vascular and bariatric services, among others. We are one of the region’s largest health systems and employers and have been serving as part of Ascension since 1999. **Job Description** **Job Summary:** The Operations Associate - Radiology works in a customer service capacity providing administrative and clerical support to patients and customers in an outpatient clinic and/or medical office setting. **Responsibilities:** + Greets patients and visitors, checks patients in and out, and obtains necessary documentation. Verifies and enters demographic information. + Obtains and verifies insurance authorizations/precertification. Completes medical record release requests and schedules/confirms patient appointments. + Enters, reviews and submits charges for patient procedures and services daily. Collects co-payments and reconciles all daily reports and deposits for accuracy. + Provides general office and clerical support to assigned out-patient/medical office. + Interpersonal skills necessary to provide routine information about filing systems and location of x-ray film, and to take and relay messages. Exchanges and relays information to physicians, the public and department personnel. Basic analytical skills necessary in order to sort and file materials, and follow up on missing films. + The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or requirements. **Qualifications** **Education:** + High School Diploma or Equivalent (GED) required **How To Apply** For questions or assistance with completing the online application, please contact Ascension candidate care at 855-778-6037. **Equal Employment Opportunity** Borgess Health is an equal opportunity employer, dedicated to the nondiscrimination in employment on the basis of race, color, age, religion, sex, national origin, handicap, disability, veteran or marital status. Please note that Ascension will make an offer of employment only to individuals who have applied for a position using our official application. Be on alert for possible fraudulent offers of employment. Ascension will not solicit money or banking information from applicants.
          (USA-MI-Kalamazoo) Executive Secretary - Surgical Services / Borgess Medical Center / FT Days   
**Job ID: 205003** **Executive Secretary - Surgical Services / Borgess Medical Center / FT Days** **Kalamazoo, Michigan** **Regular/Day** **Additional Job Information** **Title:** Exec Sec/BHA Exec Sec BMC **City, State:** Kalamazoo,MI **Location:** Borgess Medical Center **Department:** Surgical Services Admin 001 **Additional Job Details:** FT Days, 40 Hours Weekly **Marketing Statement** Based in Kalamazoo, Borgess provides care for nearly 1 million people annually in cardiac, neurologic, orthopedic, vascular and bariatric services, among others. We are one of the region’s largest health systems and employers and have been serving as part of Ascension since 1999. **Job Description** **Job Summary:** The Executive Secratary provides administrative support for Surgical Services Administration. **Responsibilities:** + Prioritizes, receives, and screens visitors and telephone calls. + Prepares and/or coordinates the preparation of correspondence, forms, reports and other written communications as required. + Schedules/coordinates meetings, conferences, special events, appointments and travel arrangements. Maintains assigned calendar(s). + Prepares, processes and edits personnel, financial or operational reports and documents. + Provide direction to departmental and administrative level clerical employees. + The above is intended to describe the general content of and requirements for the performance of this job. It is not to be construed as an exhaustive statement of duties, responsibilities or requirements. **Qualifications** **Education:** + High School Diploma or Equivalent (GED) required. + One year of Business School preferred. **Work Experience:** + Approximately five years progressively more responsible related work experience required. **How To Apply** For questions or assistance with completing the online application, please contact Ascension candidate care at 855-778-6037. **Equal Employment Opportunity** Borgess Health is an equal opportunity employer, dedicated to the nondiscrimination in employment on the basis of race, color, age, religion, sex, national origin, handicap, disability, veteran or marital status. Please note that Ascension will make an offer of employment only to individuals who have applied for a position using our official application. Be on alert for possible fraudulent offers of employment. Ascension will not solicit money or banking information from applicants.
          (USA-MI-Paw Paw) Teller   
**270685BR** **Auto req ID:** 270685BR **HR Job Code:** 101204 Teller **Job Profile:** + Delivers a unique customer experience aimed at improving customer financial wellbeing and creating loyalty while increasing share of wallet. Processes a variety of customer interactions. Educates customers on alternatives available for their financial interactions. Identifies banking opportunities during the customer interaction and refers as appropriate. + Identifies opportunities through meaningful conversations with customers, making appropriate referrals to branch staff or PNC ecosystem partners. + Performs lobby engagement activities to connect with customers and position PNC products to meet their needs. Educates customers on options for managing financial transactions by leveraging technology, tools and resources. + Applies product and procedural knowledge to solve customer's problems. + Adheres to all policies and procedures, demonstrating sound judgment within established limits. Ensures teller and branch daily operations and maintenance transactions are completed in an efficient and accurate manner. **Position City:** MI - Paw Paw **Position Title:** Teller **Line of Business:** Retail Banking - Branch Banking **Building Location:** MIB27 - Pawpaw Office **Job Type:** Regular **Total Hours Per Week:** 26 **Job Status:** Part Time **Shift:** Daylight **EEO Statement:** PNC provides equal employment opportunity to qualified persons regardless of race, color, sex, religion, national origin, age, sexual orientation, gender identity, disability, veteran status, or other categories protected by law **Location(s):** MI - Paw Paw **Job Preview:** To learn more about this and other opportunities on our team watch this video. **Required Education and Experience:** Roles at this level typically do not require a university / college degree or any significant experience or product knowledge to accomplish primary duties. Prior experience is not required. In lieu of a degree, a comparable combination of education and experience (including military service) may be considered. **Job Specific Competencies:** **Tech Savvy - Basic Experience** + Advise, educate and engage clients on a variety of technological tools and resources allowing them to explore solutions to achieve their goals and financial well being. **Problem Solving - Basic Experience** + Knowledge of approaches, tools, techniques for recognizing, anticipating, and resolving organizational, operational or process problems; ability to apply this knowledge appropriately to diverse situations. **Effective Communications - Working Experience** + Understanding of effective communication concepts, tools and techniques; ability to effectively transmit, receive, and accurately interpret ideas, information, and needs through the application of appropriate communication behaviors. **Accuracy and Attention to Detail - Working Experience** + Understanding of the necessity and value of accuracy and attention to detail; ability to process information with high levels of accuracy. **Managing Multiple Priorities - Basic Experience** + Ability to manage multiple concurrent objectives, projects, groups, or activities, making effective judgments as to prioritizing and time allocation. **Matrix Management - Basic Experience** + Ability to build and use effective working relationships within own department and across department, functional, and geographic reporting lines. **Fraud Detection and Prevention - Basic Experience** + Knowledge of and ability to utilize processes, tools, and techniques for detecting, addressing and preventing fraudulent situations. **BANKING PRODUCTS - Basic Experience** + Knowledge of and ability to provide products and services available through the retail banking branch. **Understanding Customer Needs - Basic Experience** + Knowledge of and the ability to recognize and be sensitive to the different perspectives and priorities of different customers. **Addressing Customer Needs - Basic Experience** + Knowledge of and ability to meet customer needs by offering appropriate products in an appropriate manner. **Core Competencies:** **Manages Risk - Basic Experience** + Assesses and effectively manages all of the risks associated with their business objectives and activities to ensure activities are in alignment with the bank's and unit's risk appetite and risk management framework. **Customer Focus - Basic Experience** + Knowledge of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions, and ability to leverage that information in creating customized customer solutions. **Position Overview:** At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. We are all united in delivering the best experience for our customers. As a **part** Teller within PNC's Retail Branch organization, you will be based in **the Paw Paw, Mi branch** .
          IBPS RRB Recruitment 2017–2018 CRP RRB-VI Officer Scale 1/2/3 Job Opening   

IBPS RRB Recruitment Latest Job Opening!!! Institute of Banking Personnel Selection has transmitted a career advertisement entitled as IBPS RRB Recruitment. The organization invites online application forms from qualified and hard working candidates for filling up vacant posts of Group “A”-Officers (Scale-I, II & III) and Group “B”-Office Assistant (Multipurpose). Applicants, who find themselves eligible for ...

The post IBPS RRB Recruitment 2017–2018 CRP RRB-VI Officer Scale 1/2/3 Job Opening appeared first on 2017 Recruitment, Online Application Form.


          Comment on links for 2011-05-28 by www.orf.at   
Mit Version 1.6 der populären und sicheren Banking-App für iOS werden Neuigkeiten der angelegten Konten auch auf der Apple Watch angezeigt.
          (USA-MI-Marshall) Teller - Full Time   
Chemical Bank Auto req ID 3692BR Title Teller - Full Time Location/Division Marshall Main As a Chemical Banker, you will join other professionals who share our community banking philosophy of making a positive impact where we live, work and play. You will be a part of a growing, Michigan-based community bank that believes in the dreams of its customers and employees alike. With Chemical Bank, you will make a difference in your community while enjoying excellent benefits and top career opportunities like the one described below: State Michigan Job Description Location: Marshall, Michigan Purpose The Teller is responsible for assisting customers with various types of transactions while effectively maintaining a cash drawer and providing an exceptional customer experience, ensuring prompt, efficient, accurate and friendly service. The Teller also engages customers in dialogue to uncover needs for products and services. Work Hours Work hours are between the hours of 8 AM and 6 PM Monday - Friday and includes a Saturday rotation 8:15 AM to 12:15 PM. Position is full time with a minimum of 35 hours per week depending on the needs of the branch/department. This position may require attendance at various bank/educational functions before, during, or after normal business hours. Essential Job Functions Operations:ulliAccurately performs various customer transactions, work assignments and banking functions according to established bank policies and procedures. Customer transactions include but are not limited to deposits, withdrawal, loan payments, check cashing, issuing cashier's checks, while maintaining operational excellence and providing an exceptional customer experience./liliExamines checks deposited to determine proper funds availability based on regulation requirements and completes hold notices./liliMaintains an adequate cash drawer at all times; this includes buying and selling currency from the vault as necessary, while ensuring cash limits are not exceeded./liliBalances cash drawer in accordance with Bank procedures and regulations./liliProvides assistance in opening and closing procedures for the banking center./liliMaintains a thorough understanding of regulatory, security, operational and audit compliance./liliMaintains a general knowledge of branch operations./liliMaintains customer confidence and protects bank operations by keeping information confidential./liliAssists in audit review related activities./liliMay assist with the processing of ATM, night drop, and coin machine./li/ul Sales and Service:ulliEducate and recommend relevant products and services to customers and refer customers to the appropriate person/department (Mortgage, Commercial, Treasury or Wealth Management) when necessary./liliResolves escalated customer concerns and issues promptly and effectively/liliMaintains a concrete knowledge of products and services offered by the bank./liliUnderstands the branch/bank's business objectives and goals./liliActively participate in sales meetings and offer creative ideas. Essential Skills to Perform the Job/liliMust have proficient verbal and written communication skills./ligt
          Teens Love Anal – Big Booty Banking   

The post Teens Love Anal – Big Booty Banking appeared first on Duckmovies.net.


          Bitcoin May Be Shooting Itself in the Foot by Acting as a Bridge Currency for the Marijuana Industry   

On the surface it seems like a match made in heaven . Bringing together two of the fastest growing things on the planet -- the marijuana industry and bitcoin -- should allow bitcoin to gain new exposure and legitimacy as a digital currency, and gives the pot industry a means to get around its banking issues.


          French Bank BNP Paribas Accused Of Complicity In Rwandan Genocide   
Three civil society organizations in France have filed a lawsuit against French banking giant BNP Paribas, accusing it of complicity in the 1994 genocide that killed more than 800,000 people.
          Prebisch and Central Banking   
You can read here the Power Point of our presentation at History of Economics Society conference on Prebisch and Central Banking and his role as a Money Doctor in the 1940s after he left the Central Bank of Argentina.

          BANKING GIANT TELLS CLIENTS TO PREPARE FOR UK GOVERNMENT COLLAPSE, THIRD ELECTION   
Citigroup has warned clients that Theresa May’s position as prime minister is “unsustainable,” warning them to prepare for the government to collapse within a matter of months. The multinational banking corporation believes the parliamentary majority...
          PAYTMAG under irctc refund status will refunded in same account   

IRCTC Showing Paytm in Refund Status what i do? Paytm in Refund Status even payment done by Card/Net Banking? Still Waiting for IRCTC Refund Shown PaytmAG Help? PAYTMAG under irctc refund status will refunded in same account Kindly note that

The post PAYTMAG under irctc refund status will refunded in same account appeared first on IRCTC NEWS.


          FCA chief: There is no such thing as free banking   

FCA chief executive Andrew Bailey has said “free” banking services such as current accounts do not exist because they are subsidised by other services. In a speech at a British Bankers’ Association conference today, Bailey took stock of the retail banking market since the financial crisis, saying it was “hard to escape the issue” of […]

The post FCA chief: There is no such thing as free banking appeared first on Fund Strategy.


          The World Is Now $217,000,000,000,000 In Debt And The Global Elite Like It That Way   

Authored by Michael Snyder via The Economic Collapse blog,

The borrower is the servant of the lender, and through the mechanism of government debt virtually the entire planet has become the servants of the global money changers.  Politicians love to borrow money, but over time government debt slowly but surely impoverishes a nation.  As the elite get governments around the globe in increasing amounts of debt, those governments must raise taxes in order to keep servicing those debts.  In the end, it is all about taking money from us and transferring it into government pockets, and then taking money from government pockets and transferring it into the hands of the elite.  It is a game that has been going on for generations, and it is time for humanity to say that enough is enough.

According to the Institute of International Finance, global debt has now reached a new all-time record high of 217 trillion dollars

Global debt levels have surged to a record $217 trillion in the first quarter of the year. This is 327 percent of the world’s annual economic output (GDP), reports the Institute of International Finance (IIF).

 

The surging debt was driven by emerging economies, which have increased borrowing by $3 trillion to $56 trillion. This amounts to 218 percent of their combined economic output, five percentage points greater year on year.

Never before in human history has our world been so saturated with debt.

And what all of this debt does is that it funnels wealth to the very top of the global wealth pyramid.  In other words, it makes global wealth inequality far worse because this system is designed to make the rich even richer and the poor even poorer.

Every year the gap between the wealthy and the poor grows, and it has gotten to the point that eight men have as much wealth as the poorest 3.6 billion people on this planet combined

Eight men own the same wealth as the 3.6 billion people who make up the poorest half of humanity, according to a new report published by Oxfam today to mark the annual meeting of political and business leaders in Davos.

This didn’t happen by accident.  Sadly, most people don’t even understand that this is literally what our system was designed to do.

Today, more than 99 percent of the population of the planet lives in a country that has a central bank.  And debt-based central banking is designed to get national governments trapped in endless debt spirals from which they can never possibly escape.

For example, just consider the Federal Reserve.  During the four decades before the Federal Reserve was created, our country enjoyed the best period of economic growth in U.S. history.  But since the Fed was established in 1913, the value of the U.S. dollar has fallen by approximately 98 percent and the size of our national debt has gotten more than 5000 times larger.

It isn’t an accident that we are 20 trillion dollars in debt.  The truth is that the debt-based Federal Reserve is doing exactly what it was originally designed to do.  And no matter what politicians will tell you, we will never have a permanent solution to our debt problem until we get rid of the Federal Reserve.

In 2017, interest on the national debt will be nearly half a trillion dollars.

That means that close to 500 billion of our tax dollars will go out the door before our government spends a single penny on the military, on roads, on health care or on anything else.

And we continue to pile up debt at a rate of more than 100 million dollars an hour.  According to the Congressional Budget Office, the federal government will add more than a trillion dollars to the national debt once again in 2018…

Unless current laws are changed, federal individual income tax collections will increase by 9.5 percent in fiscal 2018, which begins on Oct. 1, according to data released today by the Congressional Budget Office.

 

At the same time, however, the federal debt will increase by more than $1 trillion.

We shouldn’t be doing this, but we just can’t seem to stop.

Let me try to put this into perspective.  If you could somehow borrow a million dollars today and obligate your children to pay it off for you, would you do it?

Maybe if you really hate your children you would, but most loving parents would never do such a thing.

But that is precisely what we are doing on a national level.

Thomas Jefferson was strongly against government debt because he believed that it was a way for one generation to steal from another generation.  And he actually wished that he could have added another amendment to the U.S. Constitution which would have banned government borrowing…

“I wish it were possible to obtain a single amendment to our Constitution. I would be willing to depend on that alone for the reduction of the administration of our government to the genuine principles of its Constitution; I mean an additional article, taking from the federal government the power of borrowing.”

And the really big secret that none of us are supposed to know is that governments don’t actually have to borrow money.

But if we start saying that too loudly the people that are making trillions of dollars from the current system are going to get very, very upset with us.

Today, we are living in the terminal phase of the biggest debt bubble in the history of the planet.  Every debt bubble eventually ends tragically, and this one will too.

Bill Gross recently noted that “our highly levered financial system is like a truckload of nitro glycerin on a bumpy road”.  One wrong move and the whole thing could blow sky high.

When everything comes crashing down and a great crisis happens, we are going to have a choice.

We could try to rebuild the fundamentally flawed old system, or we could scrap it and start over with something much better.

My hope is that we will finally learn our lesson and discard the debt-based central banking model for good.

The reason why I am writing about this so much ahead of time is so that people will actually understand why the coming crisis is happening as it unfolds.

If we can get everyone to understand how we are being systematically robbed and cheated, perhaps people will finally get mad enough to do something about it.


          Hedge Fund Traders Return To Banking As Trump Promises To 'Make Prop Trading Great Again'   

The hedge fund industry is finding itself in increasingly dire straits as persistently weak returns and the advent of low-cost investing have forced more and more funds to shut down. So, it's unsurprising that, amid this steadily worsening backdrop, more traders are heading for the exits. But where are the heading? Increasingly, more traders are moving back from where they came - i.e. the big banks, which expect to see a boost in trading revenue as President Donald Trump has vowed to dial back postcrisis regulations that forced banks to wind down their prop desks.

In recent months, a number of high-profile hedge fund names have made the leap back to banking, according to Bloomberg.

“This month, Barclays Plc hired Chris Leonard, a founder of two hedge funds in the decade since he left JPMorgan Chase & Co., to turn around U.S. rates trading. At the end of last year, ex-bankers Roberto Hoornweg and Chris Rivelli, both of Brevan Howard Asset Management, left that London hedge fund for banks.

 

Recruiters say these moves and others aren’t just the usual attrition: banks in New York and London are interesting employers again a decade after the financial crisis, and may get involved in more proprietary trading if President Trump eases regulatory burdens. There’s also another factor: many macro funds just don’t make money anymore.

 

One recruiter says he expects defections to increase over the next nine months.

 

“In the last quarter of the year or first quarter of 2018, you will find more people leaving the hedge funds to join banks to run proprietary money,” said Jason Kennedy, chief executive officer of the Kennedy Group in London, which hires for banks and hedge funds. “The banks will become more attractive in terms of jobs and pay.”

The Trump administration has struggled to pass elements of its agenda - most notable its plan to repeal and replace Obamacare. And it only recently scored a partial victory on its immigration ban. Yet financial deregulation is one area where the Trump agenda is moving inexorably forward. On June 13, Treasury Secretary Steven Mnuchin issued a report – the first in a series that will detail how the administration plans to proceed with paring back post-crisis regulations.  Some of the more notable proposals in the highly-anticipated report include: adjusting the annual stress tests, easing trading rules (i.e., gutting the Volcker Rule), and paring back the power of the watchdogs - like the Consumer Financial Protection Bureau. Unlike the administration’s health-care plans, these measures enjoy broad support among Republicans.

Meanwhile, hedge funds are finding it increasingly difficult to compete for top talent.

"...the bar within the hedge-fund world has increased dramatically over the last year,” Kennedy said.

 

Hedge funds, stung by years of underperformance and revolts from investors, are increasingly under pressure to dump their traditional 2 percent management and 20 percent performance-fee model, curtailing their ability to hire and retain talent. Louis Bacon’s Moore Capital Management, Tudor Investment Corp., Och-Ziff Capital Management Group LLC, Canyon Capital Advisors and Brevan Howard were among money managers who cut fees last year. More hedge funds shuttered last year than started, a trend that continued in the first quarter of 2017, according to data from Hedge Fund Research Inc.

 

“It is not surprising that traders are looking for a safe haven, and if banks have more room to operate these moves could make sense,” said John Purcell of Purcell & Co., a London-based executive recruitment firm."

The unprecedented easy money policies adopted by the world's largest central banks in the aftermath of the crisis have hurt macro funds' profits by suppressing two-way volatility.

“Tim Sharp made the move back to the sell side even earlier, and says banks now have attractive niche trading businesses and many are nearly done downsizing. He joined Credit Suisse Group AG in July 2015 after less than a year running money at BlueCrest Capital Management LLP, the firm led by Michael Platt. At the end of that year, Platt’s firm, once among Europe’s largest hedge funds, announced it would return about $7 billion of the $8 billion it managed.

 

“It’s very difficult for macro funds," Sharp said in an interview. “Central bank policies have crushed volatility and reduced opportunities, and also it’s survival of the fittest.”

 

Sharp, who is now a director at Credit Suisse, left BlueCrest a few months after the Swiss central bank’s shock decision to remove its currency cap, which caused losses at several firms.

 

"Macro as an overall strategy has recently experienced a prolonged phase of lackluster returns, triggering a number of unwinds at big shops," said Nicolas Roth, co-head of alternative assets at Geneva-based Reyl & Cie.”

As Bloomberg explains, the flow of traders back into banking is a reversal of a trend that began in 2008, when banks, reelingfrom the crisis, saw an exodus of traders move to the buy side as many hoped to cash in on the postcrisis recovery. The advent of the Volcker rule forced banks to wind down their prop trading desks, spurring even more defections. Another factor: the rising cost of regulatory compliance is making it increasingly expensive to start a hedge fund.

"Hedge funds were booming. In 2009, hedge funds gained almost 20 percent, their best yearly performance since 1999, according to the HFRI Fund Weighted Composite Index; a year later, they returned 10.3 percent.

 

While macro strategies raised $13.8 billion in the first five months of this year, the most of any trading strategy tracked by eVestment, investors are disappointed by their returns. Traders wagering on currencies and rates continue to struggle, even as peers are showing signs of recovering from their multi-year funk.

 

Andrew Law’s Caxton Associates lost 8 percent this year through May and told clients that it’s slashing performance and management fees. Paul Brewer’s hedge fund Rubicon Global Fund plunged about 27 percent this year, hurt by wrong-way currency wagers, people said earlier this month.

 

It’s also more expensive to start a hedge fund than it was, because of the difficult capital raising environment and rising cost of regulatory compliance.

 

“Some macro traders are returning to the sell side, maybe in a hope that a Dodd-Frank rollback will re-open proprietary trading activity,” Roth said."

Here’s a breakdown of other personnel moves, courtesy of Bloomberg.

  • Anthony Kemp returned to Morgan Stanley at the beginning of May from Stone Milliner Asset Management, which he joined in summer 2015
  • Alex Silverman left Citadel to join Morgan Stanley in New York at the end of March 2017
  • Dipak Shah joined Citigroup Inc. as director in October 2016 from Capula Investment Services after previously working at Goldman Sachs Group Inc.
     

          "We're All A 'Walking Illinois' Now"   

Authored by James Howard Kunstler via Kunstler.com,

Who needs Russia when the Tweety-Bird-in-Chief is hacking his own presidency into a global joke? Or at least it might be a joke if the USA weren’t such a menace to international order, and to itself, by the way. Interestingly, the 25th amendment allows for the removal of a president from office on account of incompetence or disability, but not for being an embarrassment to the nation.

They may come after him anyway with the 25th, especially as the financial system unravels later this year, because this time, unlike 2008-9, central bank interventions will not avail to rescue the faltering money system from nine years of previous central bank interventions. All it takes is for the “liquidity” flows to seize up and before you know it, there’s no food in the supermarkets because everything in our just-in-time economy is exquisitely calibrated to the sure expectation of getting paid, and when that goes, it all goes.

Then the question arises: well, can’t you just re-start the liquidity flows? Not when the process requires another abracadabra magic act of summoning X-trillions of dollars out of absolutely nothing when the previous X-trillions created out of absolutely nothing are rushing at warp speed into the black hole of deleveraging because it has been discovered that the “loans” they were based on can never be paid back, not in this universe or any number of universes like it. In a word, they’re worthless.

Deleveraging is the polite term economists give to your net worth rapidly evaporating. Liquidity is the polite term for cash money and things denominated in them that can readily be converted into cash money. The problem with the kind of liquidity-creation solution to deleveraging is that it rapidly leads to money itself becoming worthless.

The preview of coming attractions is currently playing out in Illinois — soon to be joined by Connecticut, California, Kentucky, and many other bankrupt states. Illinois is dead broke. It can’t pay the contractors who fix things like roads and storm drains, and supply food to its prisons. It’s over $200-billion deep in pension obligations that will never be honored. Its Medicaid system is a shambles. It doesn’t even have the cash-on-hand to pay lottery winners (what happened to all the cash paid into the lottery by the suckers who didn’t win, which is supposed to pay off the winners?). The state legislature hasn’t passed a budget in three years.

The governor and the mayor of Chicago and everybody else nominally in charge have no idea what they’re going to do about it. Think the federal government is going to just step in and save the day there? They’d have to bail out every other foundering state and that’s just not going to happen, especially with that same federal government about to run out of cash money itself, with no resolution of the debt ceiling controversy that might allow it to even pretend to borrow more money by issuing treasury bonds that are instantly bought by the Federal Reserve — which, of course, is not an official government agency but a private banking consortium contracted to manage the nation’s money.

Do you begin to see the outlines of the clusterfuck rising like a bad moon over the harvest season of 2017? The American people, by and large, have no more idea how false and fragile the financial arrangements of the nation are than the average eight-year-old has about why the re-po squad is towing away Daddy’s Ford-F150. We’re just doing what we always do: gittin’ our summer on. Breaking out the potato salad and the Bud Lites — at least those who have enough mojo left in their MasterCards to charge the party supplies.

An awful lot of Americans must be maxed out, though, people who actually used to work at things and get paid for it. Each one of them is a walking Illinois now, facing each dawning day with a bigger load of problems, more things they can’t pay for, and moving closer to the dreadful day when everything is gone, every chattel, every knickknack, the very roof over their head, and most particularly the belief that they live in a fair and decent society.

So, I wonder what we’re going to do with a Tweety-Bird-in-Chief in the White House when this deal goes down. Stresses and tensions are out there a’buildin’ and the time for being a nation of feckless idiots is drawing to a close. The sad thing is: it wasn’t even fun while it lasted.


          ALL IN TIL IT DROPS, FORGET ALL WARNINGS; THE ULTIMATE HIGH RISK GAME / SAFE HAVEN   

All In Til It Drops, Forget All Warnings; The Ultimate High Risk Game

By: Doug Wakefield


I have not posted to the blog recently since week by week equity markets continue to reflect "perfect calm". Don't get me wrong, banana peels and trends are building that could shift the landscape quickly.

Yet today, what we are watching is not only "perfection" in the S&P 500 and Dow, but in South Korea's Kospi Index, India's Nifty 50, and in Argentina's MelVal Index.

Do global headlines support a time of world peace and booming economic prosperity worldwide? Do they support a "perfect calm" in global stocks?

Think with me. Don't fall asleep from the continued drone of algorithmic calm.

Look at these four charts, developed by UBS and Citigroup found in two recent articles on Zero Hedge.

The Global Credit Impulse


Credit growth has fallen off a cliff. The "perfect" stock market view is not supported by "perfect" credit growth.

Is the solution even MORE debt? The Keynesian central bankers seem determined to outrun the largest stock bubble on record by printing their way out of this conundrum.

Central Banks Buy 1.5 Trillion in Assets YTD, ValueWalk, June 10, 2017

After 8 years and over 12 trillion in asset purchases between 2009 and 2016, central banking actions continue telling the crowd, "we have your back". Yet the reality of 2000-2002 and 2007-2009 make it clear there is no such thing as a permanent bailout.

These charts by Citigroup make it clear that the era of the "assisted" stock investor is facing the reality of a severe credit contraction.

Central Banks' Response to Lack of Inflation
Credit Fuelled Asset Price Inflation
China House Prices and European Equities


There is no "the market feels"; only "the computers reacted". Without someone's computers preset to trade at specific technical lines over and over again, the "perfect calm" would not exist. A crowd of humans worldwide could never be this precise.

June 9th was a yet another major warning to global equity investors. Ignoring so many fundamental and technical warnings is only increasing more system-wide risk. When the patterns change due to extreme crowding, the big shift will not present investors with much time to mentally and financially adjust.


G3 Central Bank Balance Sheet

For 6 weeks I have been adding to my longest newsletter since starting The Investor's Mind in 2006.

It is called "Ten 'Little' Dominoes". We finished domino #8 last week, with #9 being released next week. Click here to join those reading The Investor's Mind as we monitor these world trends, and seek to prepare for what lies ahead, rather than hope in more "assistance",


Dow Weekly Chart

          GLOBAL BLAST-OFF TRADE SETUP / THEGOLDANDOILGUY.COM   

Global Blast-Off Trade Setup
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Global Blast-Off Trade Setup


Our analysis of the global markets and metals markets are prompting us to issue a warning that may not shock a number of our followers – but may surprise others.  We use a number of custom indicators, custom indexes and other specialized features to try to keep our valued members aware of moves before they happen at ActiveTradingPartners.com.  You may recall our recent article warning of a VIX spike between June 9th and June 13th in correlation with a US market correction (NASDAQ).  We nailed this and predicted another VIX spike on June 29th, 2017.

Are you ready for what might become the most opportunistic setup we’ve seen in over a decade?  Well, before we get to the guts of our incredible setup, let’s go over some other data to support our predictions – the global markets.

On May 3rd, 2017, we authored an article regarding Global Economic Shifts that were taking place as a result of Capital Migration and renewed risk factors throughout the global markets. 

Our hypothesis was that capital will always attempt to locate and migrate to financial environments where risk is mitigated and returns are sufficient.  We consider this an active and intrinsic role of global capital – the hunt for the ability to thrive and develop success/profits.

Since this research was completed, a number of new and interesting facets have evolved.  Two of the most interesting are the shifts within the Arabic nations with regards to Qatar and the almost total isolation recently enacted on this wealthy nation and the news from Europe that a number of smaller, regional banks are collapsing with broader, tangible relations to the EU banking system.  This type of disruption within a financial environment (think globally) causes capital to migrate rather quickly to more stable locations for self-preservation.

China/Asian markets appear to be developing a level of “moderately healthy financial environment” in terms of global market capital migration.  In the past, I would have warned that Asia/China could become a temporary safe-harbor for capital as it migrates out of riskier environments and I would still support that claim simple because China/Asia are less of a mature market compared to other.  Thus, the likelihood that China/Asia could see dramatic asset revaluation or some type of unexpected market function issues is still near the top of my list.  Yet, we can’t accurately predict when this will happen and until extended signs of weakness cause us to adopt a more concerned stance, we have to understand that capital will move to environments that seem suitable for success.  At this time, we believe China/Asia are viewed as just that – moderately suitable for capital deployment and investment (till things change).

Asia Chart

You will see from our chart that a defined support channel is in place and resistance bands appears to be setting up near the end of June and throughout September 2017.

Asia_Custom_Monthly_F


BRICs Chart

BRICS markets appear to have “rolled over”, as predicted, near resistance bands that indicate pricing levels may be setup for some level of correction.  It is our opinion that an 8~18% correction may be near as capital will likely migrate away from perceived increased risk and towards healthier environments.  This would put a downside target on this chart near $13k~$12.5k.

BRICS_Custom_Monthly_F

Europe Chart

The European markets appear to be at a critical juncture near a classic Fibonacci retracement pattern.  Many people do not understand one of the basic concepts of Fibonacci theory that is; price will always attempt to develop new higher highs or lower lows.  Keeping this in mind, any failure to develop higher highs in the European markets within the next 2~3 months will likely result in perceptions being that these markets are developing greater risk.  Thus, capital may migrate away from the uncertainty and risk towards healthier alternatives.
 
The European markets chart shows clear price channels that originated near July 2016 – the date Theresa May assumed the Prime Minister role.  It is interesting how the perception of an environment of strength, protection, leadership and opportunity can change the way capital migrates from different environments.  In this case, the disruption in Europe with May’s election victory changed the way people saw the future opportunities in Europe.
 
Now, with recent elections, banking issues, further debt issues and uncertainty with leadership, we can only assume that perception will change, again, towards an environment that is more risky and unstable – prompting capital migration away from these markets.

EU_Custom_Monthly_F


US charts

Meanwhile, on another continent…  The US markets appear to be the “Garden of Eden” in terms of capital migration.  It is true that the entire US/Canadian/Mexican conglomerate market is suitable and in perfect financial health, but it is also true that compared to many others, these market present the potential for the best and safest deployment of capital.  The charts show that capital appreciation has been tremendous since the US Presidential Elections and may launch much higher if extended risk exists in other global markets.
 
Again, capital is always searching for a safe and suitable environment for deployment.  Taken in global terms, there are really only two suitable locations for capital and the others are inherently more risky.  These conditions may change over the next few months, but our analysis points to one critical factor that could disrupt many aspects of this global capital environment.  One thing that could be related to a massively disruptive event.


US_Custom_Weekly_F

We are now at the point that you have been waiting for.  The incredibly disruptive and opportunistic setup that could change everything in the global markets (or so we hypothesize).  Before we get to the details, we want to make certain that you understand this type of research if far from 100% guaranteed or set in stone.  We develop our analysis based on a number of massively moving components within the global economy and are predicting price moves that may be weeks of month in advance.  We advise you to consider this a learning experiment in the sense that there is absolutely no way we can state with 100% certainty our research/analysis or conclusions will play out exactly as we suggest.  It is impossible for anyone to know what will or may happen, accurately, in the future.  That is what trading is all about – making an educated guess and protecting your trade.

Well, here it is, folks.  The setup/opportunity that may turn into the biggest move in the markets for the next century. 

METALS.

Think about this for just one minute. Given the knowledge that capital will migrate to sources of safety and investment return while avoiding environments that are risky.  And, given that we’ve made fairly clear points that much of the global is setting up for some levels of disruption, uncertainty and greater risk – leaving only China/Asia and the US as the safe-harbor capital environments.  We’ve also detailed how the China/Asia markets are setting up for disruption with technical resistance levels and exposure to other global environments. 

We’ve highlighted that Europe may enter a period of disruption and uncertainty with recent elections, debt, banking issues and more and illustrated that BRICs markets are rolling over as an early warning that emerging markets might contract as global capital migrates towards safer environments.  This is not doom and gloom stuff, this is just what happens when markets are disrupted.
 
Now, look at the setup in these custom metals index charts.  A clear Flag formation has setup near historical lows that is nearing the Pinnacle.  My analysis of this pattern shows that we are setup for one more lower price rotation before the rally begins.  One more attempt at buying near ultimate lows before we could see a massive, explosive rally capable of at least a 50%+ run.  Long term, this run could be much bigger..  much, much bigger.  Fibonacci theory shows the potential for 125% or 225% gains are easily posible.

Oddly enough, our research shows that this lower wave of metals prices should complete near or before June 29th.  Remember that date from the beginning of this article?  That’s right, this is the date that we predict would initiate a volatility spike (VIX Spike).  Just how big will this VIX spike be?  If our analysis is correct, the real VIX/volatility expansion won’t begin to happen till near the end of August or near the middle of September, 2017.
 
Our analysis shows that the Metals will begin to make a move near the end of June or early July 2017.  Our analysis also shows that the US and global markets will begin to see increased volatility near Aug/Sept 2017.  We also believe that any move in Metals will likely be the result of extended risk factors globally.

 

          Financial Solutions Advisor - Hermitage Financial Center - Bank of America - Hermitage, TN   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
From Bank of America - Wed, 08 Mar 2017 11:17:18 GMT - View all Hermitage, TN jobs
          Financial Solutions Advisor- Central Valley Areas - Bank of America - Canyon Country, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
From Bank of America - Thu, 20 Apr 2017 04:36:33 GMT - View all Canyon Country, CA jobs
          Financial Solutions Advisor- Central Valley Areas - Bank of America - Santa Clarita, CA   
Job Description: The primary role of the Financial Center Financial Solutions Advisor (FSA) is to deepen banking and investment relationships with Mass
From Bank of America - Thu, 20 Apr 2017 04:37:10 GMT - View all Santa Clarita, CA jobs
          New US archbishops look forward to serving God in their local Churches   

Vatican City, Jun 29, 2017 / 11:49 am (CNA/EWTN News).- Newly-appointed metropolitan archbishops from around the world received the traditional woolen vestment called a pallium during a special Mass with Pope Francis on Thursday.

For the three new metropolitan archbishops of American sees, the experience was a reminder of their mission as shepherds of their local Churches, called to follow God and lead others to him.

The Mass, celebrated on the feast of Saints Peter and Paul, was significant for Archbishop Paul Etienne of Anchorage, who told CNA June 29 he was “very mindful of the accompanying presence of these great saints.”

He is inspired by their great love for Christ and the Church, he said, and by the courage with which they went out into the world after encountering the Risen Lord.

“I just ask for as much of that same grace in my life and in ministry, that I can joyfully serve the Lord and present him to the world in a fashion that will be received.”

Archbishop Charles Thompson of Indianapolis told CNA he knows he has a lot to learn and get to know in his new role, but he’s looking forward to serving God and serving the people of God as the shepherd of the local Church.

After the Mass, each archbishop has an opportunity to greet the Pope. For Archbishop Thompson, this was his first personal encounter with Francis. Though the meeting was brief, Pope Francis "had a glow, had a great smile on his face," he said.

"It really made me think about the joy of the Gospel and talking about having the joy of bringing people to Christ. Even though there's also an awesome responsibility that I feel in this appointment, I just sense that the smile on his face was to do with joy."

"Don't let it overwhelm you. Trust in the Holy Spirit. Trust that God gives you the grace to fulfill this mission. And I'm banking on that, because I'm the least worthy of anybody here,” he said.

Archbishop Etienne said that it was "a great privilege and a great honor" to receive the pallium from Pope Francis.

He was grateful for the Pope's homily, which reminded him that they aren't in this for themselves, but that they are "servants of the Lord."

"Our life is to be giving a confession, our own witness to Christ, and we should not be surprised when the trials and the persecutions come our way; and the best way to get through it is to pray," he said, recalling the Pope's words. "So those are all three pretty good points that he made."

For Cardinal Joseph Tobin of Newark, this was his second time receiving the pallium, the first being when he was appointed Archbishop of Indianapolis in 2012.

"It's always a very moving moment to be with the Holy Father, to feel the connection with bishops from around the world and to deepen what it means to be a bishop," he told CNA.

He explained that out of all the vestments he has to wear, his favorite is the pallium, which is a stole made from white wool and adorned with six black silk crosses. The wearing of the pallium by the Pope and metropolitan archbishops symbolizes authority as well as unity with the Holy See.

One significant thing about the pallium, Cardinal Tobin said, is the symbolism found in how it is worn: around the shoulders.

It shows "the obligation of the bishop to look for the one who's lost, and carry that one back on his shoulders. So that's why when I put it on my shoulders, I remember that," he said.

It is traditional for the Pope to bestow the stole on new archbishops June 29 each year. The rite is a sign of communion with the See of Peter. It also serves as a symbol of the metropolitan archbishop’s jurisdiction in his own diocese as well as the other dioceses within his ecclesiastical province.

However, as a sign of “synodality” with local Churches, Pope Francis decided in 2015 that new metropolitan archbishops will officially be imposed with the pallium in their home diocese, rather than the Vatican.

So while the new archbishops still journey to Rome to receive the pallium during the liturgy with the Pope, the official imposition ceremony is in their home diocese, allowing more faithful and bishops in dioceses under the archbishop’s jurisdiction to attend the event.

Archbishop Thompson, whose installation as Archbishop of Indianapolis will be held July 28, has the unique privilege of being imposed with the pallium at the same Mass as his installation, which he said will be "a great symbol."

Archbishop Etienne was installed as Archbishop of Anchorage on Nov. 9, 2016, so he’s had a few months to begin settling in. "The people in Alaska count winters, so I've been in Anchorage one winter now," he laughed.

Though the weather is cold, the people there are warm, he said, noting that they have all been grateful he accepted the appointment, since it isn't easy to live in Alaska.

"It's a very diverse Church," he explained, but the people have been wonderful, "helping me to understand their ways and to embrace that new territory and all the people that are a part of it."

Both Archbishop Etienne and Archbishop Thompson said that learning about their new appointments came as quite a surprise.

"It's a shock anytime you get one of those phone calls," Archbishop Etienne said.

Moving to Anchorage was not something he expected, but "after a prayerful night, it became clear that if this is where Mother Church has asked me to go and where the Lord is leading, I promised him years ago I would follow. So Alaska's my home now."

Archbishop Thompson, who only received his appointment June 3, said the last few weeks have been "a whirlwind," especially having to plan so quickly for a trip to Rome.

When he received the phone call, he had just returned home from saying an ordination Mass for new priests in his diocese, Evansville. In his homily that day, he said he had preached about missionary discipleship and how one cannot be comfortable or complacent in an assignment, but must be prepared to go out to the people, since it's the Lord who calls us and sends us.

"So when I got this phone call, I got off the phone and thought, 'Who was I preaching to this morning?'"

In Newark, Cardinal Tobin said there are so many people his work can be "daunting" at times, though it's also "wonderful."

"I would say it certainly gets me on my knees, to pray for wisdom and light, and to pray for the people and all their needs," he said.

During his time, Cardinal Tobin has come out strongly about the issue of immigration in the U.S., in May issuing a call for Catholic and political leaders to work in defense of immigrants.

“I think it's a very delicate moment in our history,” he said, both for the many immigrants in the U.S. and for the American soul in general. “Because I think that there are so many things that brutalize the American soul, beginning with abortion, proposals for euthanasia,” he said.

“The rounding up of immigrants, and the completely callous nature toward their suffering, I think, is just another thing that deadens our hearts. I think as spiritual leaders we have to be concerned about it.” 


          Fap Turbo Robot-Binaries Forex Brokers Compare   
This FAP turbo review 2009 will look into the FAP turbo expert advisor. This newsletter will determine if the claimed expert aide robot is earning money or not. This EA is a Metatrader four foreign-exchange trader machine. You set it onto 15-minute charts and just leave it to do its stuff. This EA has basically been tested on live markets. See more about best forex trading robots compared below. The testing started on January 5, 2009 with a start up capital of £500. Quite latterly, the author of FAP turbo review 2009 experienced a massive loss. It all happened on the 19th of January of the current year, just a few days after the beginning of live trading. The writer was using the EURGBP currency pair. It did not happen to just the writer but also to a number or folk, in particular traders of the same currency pair. See more about best forex trading robots compared below.



Best Forex Robots: Compare Top 10 Forex Robots And See Live Trades Online! As Seen on CNN, CNBC, FORBES and Money Networks. See which Forex Robot is the most profitable Forex Trading Robot Online, Real Time! Best Forex Robot: $25,000 BONUS From Recent Live Forex Course Held in Vegas. Latest Enhanced Version of Forex Robots Used by Top Forex Traders Internationally. Find out which Forex Robot is Being Used By Your Forex Broker!

The loss was quite huge since 2 weeks' worth of profit all went into smoke. What happened? Is the EA any good at all? How did such a loss happen? These were the questions raised because of this debacle. This FAP turbo review 2009 closely investigated the entire scenario and was able to draw a favorable conclusion. This robot still can earn money. You may be wondering why FAP turbo review 2009 still gave this expert counsel a good review after a very bad loss. In reality, this robot was performing really well before the draw down. The reason behind Jan 19th's draw down was the incontrovertible fact that the banking world of the United Kingdom crashed at that point. As a result, the EA became volatile too. See more about best forex trading robots compared below. Why did this happen? Are not these EA's built with risk avoidance systems? The answers to these questions are quite apparent. The EA itself has some flaws, just like any application. In reality, nothing is ideal. You will still have to glance at the markets and check for any signs of volatility. If there are signs of this sort of situation, you simply need to turn off the system for that day and skip trading. This is not so bad. These types of scenario only occur often. After the draw down, the writer was able to recuperate his losses and begin with the same quantity just before the draw down. Although it went through some bad trading day, it was able to hold it's own.

FAP Turbo is meant to mechanically investigate trading info. It gives a real-time trading results from one or two accounts and the trader can get updates every fifteen mins.See more about best forex trading robots compared below. By using this software a trader isn't required to have a huge amount of startup capital to proceed. Its user-friendly interface allows user without technical knowledge to use them without so much of a bother. FAP Turbo could work full time all week without the trader's intervention and is legendary for it's almost 95% positive turnout in its nine years since it was first conceived and has only less than 0.45% negative results. See more about best forex trading robots compared below. It also employs a particularly distinctive algorithm method that allows it to prevent losses and optimize its returns. And because it is also equipped with a strict risk management program, FAP Turbo reduces deficits more successfully. See more about best forex trading robots compared below.First, this is so easy to download and it would not take the majority of your time installing it. It also has a video tutorial that will give you step by step instructions on how to properly install and operate FAP Turbo.

There are pro consultants to watch the trading and will start orders if you need it. You may use this manual as a reference to lead you on the way if online help is not readily available. Free updates for this programme are also offered. It also provides lifetime customer membership on their internet site. From here, you can get and download mandatory updates or program revision for your software. See more about best forex trading robots compared below. Like any ventures, cash trading comes with lots of risks to take and avoid so it's way better to first try the demo program available till you master the system and become used to its interface. After you refined your abilities using this automated trader, you can let FAP Turbo do the trading and analyzing while you relax and enjoy the fruits of your investments.
          Best Forex Robot Review-Forex Robot Free   
This FAP turbo review 2009 will look into the FAP turbo expert advisor. This article is going to determine if the claimed expert counsel robot is earning or not. This EA is a Metatrader 4 foreign-exchange trader machine. You set it onto 15-minute charts and just leave it to do its stuff. This EA has basically been tested on live markets. See more about best forex trading robots compared below. The testing started on January five, 2009 with a start-up capital of £500. Quite recently, the writer of FAP turbo review 2009 experienced a big loss. It all happened on the 19th of January of this year, just one or two days after the beginning of live trading. The writer was using the EURGBP currency pair. See more about best forex trading robots compared below.



Best Forex Robots: Compare Top 10 Forex Robots And See Live Trades Online! As Seen on CNN, CNBC, FORBES and Money Networks. See which Forex Robot is the most profitable Forex Trading Robot Online, Real Time! Best Forex Robot: $25,000 BONUS From Recent Live Forex Course Held in Vegas. Latest Enhanced Version of Forex Robots Used by Top Forex Traders Internationally. Find out which Forex Robot is Being Used By Your Forex Broker!

The loss was quite enormous since two weeks' worth of profit all went into smoke. This FAP turbo review 2009 closely investigated the entire eventuality and was able to draw a favorable conclusion. This robot still can earn money. You could be thinking about why FAP turbo review 2009 still gave this expert advisor a favorable review after a very bad loss. In truth, this robot was performing really well before the draw down. The cause of January 19th's draw down was the undeniable fact that the banking sector of the UK crashed at that time. See more about best forex trading robots compared below. As a result, the EA became volatile as well . Why did this happen? Aren't these EA's built with risk avoidance systems? The solutions to these questions are quite plain. The EA itself has some issues, just like any application. In truth, nothing is ideal. The lesson the writer was ready to acquire was that you cannot just blindly turn on the EA and leave it as it is. You'll still have to look at the markets and check for any signs of volatility. If there are signs of this sort of situation, you only need to switch off the system for that day and skip trading. This is not so bad. These categories of eventuality only occur sometimes. The bottom line is this EA will still make you a lot of cash. After the draw down, the writer was able to recuperate his losses and start with an identical quantity just before the draw down. See more about best forex trading robots compared below. Although it went through some bad trading day, it was ready to hold its own.

By using this programme a trader is not needed to have a big quantity of starting capital to proceed. It has the lowest starting capital which is about $50. Its user-friendly interface allows user without technical data to use them without so much of a bother. See more about best forex trading robots compared below. It also employs a very distinctive algorithm method that permits it to prevent losses and optimize its returns. See more about best forex trading robots compared below.Setting this software up isn't a problem. See more about best forex trading robots compared below.First, this is so easy to download and it wouldn't take the majority of your time installing it. It also has a video tutorial which will give you step by step instructions on how to correctly install and operate FAP Turbo. Once installed, this automated trader is all set to do the trading for you with accurate results and trustworthy information.

There are professional experts to see the trading and will start orders if you want it. See more about best forex trading robots compared below. If and ever a user encounters some troubleshooting Problems with the software, FAP Turbo claims to a have a ready customer support system that will handle clients' questions, aside from the manual included in the package to help users install the system. See more about best forex trading robots compared below. Free updates for this programme are also offered. It also provides lifetime client membership on their online site. See more about best forex trading robots compared below. Like any ventures, money trading incorporates plenty of risks to take and avoid so it's way better to first try the demo program available until you master the system and become used to its interface. After you refined your abilities using this automated trader, you can let FAP Turbo do the trading and researching while you sit back and luxuriate in the fruits of your investments.
          Private Banking Associate - CIBC - Toronto, ON   
Complete the various reports (OICC/ARM, PLC and ABC Review, overdrafts etc.). CIBC is a leading Canadian-based global financial institution....
From CIBC - Mon, 26 Jun 2017 19:38:18 GMT - View all Toronto, ON jobs
          'Paypal of pot' helping marijuana companies normalize business in Western states   
The lack of banking options means legal marijuana business have been forced to handle money like the illegal ones – all cash. That's what this company wants to change.

          BANK STORY, 30 JUNE   
IDC:Today my wife and I went to Wells Fargo to do some banking. She stands in line for the next teller and I go sit in the lounge area near the bankers' desks. A fedex guy delivers a package and a banker takes it over to another banker. I'm being nosey so I'm watching. I couldn't believe my eyes. He takes it out and starts counting "Christmas currency" or whatever people call it these days.

          (USA-TN-Chattanooga) Accounting Manager   
Growing National Company is seeking an Accounting Manager to lead a dynamic team. Job Summary: Under limited supervision preforms professional duties in the maintenance of accounting records and preparation of financial statements, audit information, and oversees the duties of the Financial Accounting and Branch Accounting Departments. Job Duties and Responsibilities: * Supports the controller by developing, directing, and managing the financial accounting and branch accounting departments * Reviews and approves accounts payable invoices for the Home Office and Corporate offices to ensure that the expenditure is proper, approved, and coded correctly * Ensures accuracy, propriety, and completeness of monthly, quarterly, and year-end closings and audits, in accordance with Generally Accepted Accounting Principles (GAAP) and Company policies and procedures * Manages the month-end closing process * Reviews journal entries . Monitor daily cash and banking relations * Stays current on accounting guidance and is able to research and draw conclusions * Ensures timely and accurate internal and external reporting of all financial data, financial statements, various state accounting reports, monthly and year-end accounting schedules * Ensures that branch accounts are reconciled to the general ledger on a monthly basis * Evaluates departmental policies and procedures, operational controls and standards, implementing changes as needed * Develops, implements, and maintains procedures to improve workflow efficiencies and internal controls For immediate and CONFIDENTIAL consideration contact Kevin Green, kevin.green@roberthalf.com Robert Half Finance & Accounting, the world's leader in specialized financial staffing, provides exciting full-time opportunities in the areas of accounting, bookkeeping, finance, audit, taxation and more. We pioneered the professional staffing industry, and we've been successfully matching professionals with employers since 1948. Our proven proprietary processes, along with our relationships in 325 locations worldwide, allow us to provide you unparalleled access to exciting career opportunities. But don't take our word for it. Our company once again was named first in our industry on Fortune® magazine's list of "World's Most Admired Companies" (March 1, 2017), and 9 out of 10 of our customers would recommend our service to a colleague. Apply for this job now or contact our nearest office at 844.539.2523 for additional information. All applicants applying for U.S. job openings must be authorized to work in the United States. All applicants applying for Canadian job openings must be authorized to work in Canada. © 2017 Robert Half Finance & Accounting. An Equal Opportunity Employer M/F/Disability/Veterans By clicking 'Apply Now' you are agreeing to Robert Half Terms of Use. *Req ID:* 03950-0009334459 *Functional Role:* Accounting Supervisor/Mgr/Dir *Country:* USA *State:* TN *City:* Chattanooga *Postal Code:* 37421 *Compensation:* DOE *Requirements:* BS Degree Accounting 5+ years GL Accounting CPA a plus
          Electronic Banking Assistant Manager - Alliance Bank - Oxford, IN   
Electronic Banking Assistant Manager will be responsible for assisting the Electronic Banking Manager in the development, promotion and maintenance of all
From Indeed - Tue, 25 Apr 2017 13:32:28 GMT - View all Oxford, IN jobs
          Argentina Bucks Banking Elite   
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          Operations Specialist - Full Time Limited Duration ( Six month assignment) - Sumitomo Mitsui Banking Corporation. - Jersey City, NJ   
Monitoring of production environment using Tivoli monitoring tool and Production schedulers TWS / Tidal and JP1....
From Sumitomo Mitsui Banking Corporation. - Fri, 30 Jun 2017 19:13:48 GMT - View all Jersey City, NJ jobs
          BANKING SECRET EXPOSED   
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          (USA-TN-Chattanooga) Account Executive / Sales Manager   

Job Description

Account Executive / Sales Manager

You'll work directly with Americas self-employed, small business owners and individuals to help them access an array of innovative and affordable business and benefit solutions. Our Account Executive / Sales Managers can make a real difference in people's lives. Our trusted advisors planning can impact, and protect, families for generations. We pride ourselves on being a unified company who share our values of commitment and dedication with our clients. As a result of current economic conditions, our clients are looking for viable alternatives to their current benefit programs and the demand for our products and services has never been greater!

Account Executive / Sales Manager Requirements:

  • Excellent Communication Skills
  • Commitment to Excellence
  • High Personal Integrity and Character
  • A Passion for Helping Other People Everyday
  • Work Ethic, Self-Motivation, and a Desire to Succeed
  • Coachable and Accountable Team Player


Benefits:

  • Industry Leading Compensation and Rewards Programs
  • 65k-131k First Year Income Potential (Senior Leaders 200k+)
  • Exceptional Product Portfolio - Multiple Product Lines
  • Weekly Direct Deposit
  • Monthly and Quarterly Bonuses (up to 16 Bonuses Annually)
  • Stock Sharing Programs
  • Residual Income Streams
  • Company Generated Leads
  • Annual Awards Trip (Exotic Locations)
  • Merit Based Career Advancement
  • Professional Coaching and Mentorship

Professional Support:

You'll be armed with the tools and know how to best serve clients and take your career to the next level. In the classroom, online and in the field, our most accomplished sales professionals will teach you their most time-tested formulas that directly lead to their successes. Real support means real people backing you up. Our success depends on your success, that's why we have a super-responsive team of experts making sure every Account Executive / Sales Manager has everything they need to be at the top of their game.

Account Executive / Sales Manager position is also relevant to career seekers with various work experience such as; Sales, Marketing, Finance, Business/Office Managers, Regional and Territory Sales Managers, Real Estate and Auto Sales, Account Executives, Banking, Leasing, Financial Services, Customer Service Managers, Retail Sales, Educators, Business Graduates, Transitioning Military Personnel

Company Description

Nowhere else in America will you find a better opportunity to enjoy personal satisfaction and professional achievement... because nowhere else in America will you find a company that is more committed to your success than USHA. You will work directly with Americas self-employed, small business owners and individuals to help them access an array of innovative and affordable benefit solutions. As demands for our products continue to increase, you will advise clients on a portfolio of solutions that best fits their individual needs and budget... in one seamless package. We provide service that is fast, fair, and caring. Because the only thing better than delivering a superior product, is seeing the difference it makes in the lives of our customers.

          London Banking Center at Core of Financial Crisis   
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          Corporate Banking IT: Supply Chain Technical Delivery Project Manager - BNP Paribas Personal Finance - Singapore   
He is also the technical subject matter to the project team for any technical matters regarding all the CSC releases....
From BNP Paribas Personal Finance - Wed, 24 May 2017 11:43:38 GMT - View all Singapore jobs
          loan and credit manage   
Hyderabad, Telangana - Andhra Pradesh - BANK JOB NEW OPENING IN HDFC BANK Dear candidates , We are hiring for banking sector. Like HDFC BANK , YES BANK, KOTAK MAHINDRA BANK, AXIS BANK …. Recruitment is going on in Banking Sector for the post of Phone Banking Officer Qualification-Graduation Male / Female both c...
          2017 Arkansas Times Academic All-Star Team   
Meet the best and brightest high school students in the state.

The class of 2017, our 23rd, is made up of athletes, coders, budding politicians and brain experts. There's rarely a B on the transcripts of these students — in not just this, their senior year, but in any year of their high school careers.

Back in 1995, we created the Academic All-Star Team to honor what we then called "the silent majority — the kids who go to school, do their homework (most of it, anyway), graduate and go on to be contributing members of society." Too often, we argued then, all Arkansans heard about young people was how poorly they were faring. Or, when students did get positive attention, it came for athletic achievement.

As you read profiles of this year's All-Stars, it should be abundantly clear that good things are happening in Arkansas schools and there are many academic achievers who deserve to be celebrated. You should get a good idea, as well, of how these stellar students are busy outside school, with extracurricular activities, volunteer work, mission activities and more.

They'll be honored this week at a ceremony at the University of Arkansas at Little Rock with plaques and $250 cash awards.

Many college plans listed here are not set in stone, as students await information on scholarships and acceptances.

CAROLINE COPLIN-CHUDY
Age: 17
Hometown: North Little Rock
High School: Mount St. Mary Academy
Parents: (guardian) Dennis Chudy
College plans: Duke University

Caroline Coplin-Chudy has a 4.4 grade point average — high enough to rank second in her class at Mount St. Mary Academy — and lost her mother to leukemia during her sophomore year, something she told us came to be a source of inspiration and drive during her academic development. "It was a big adjustment. After my mom passed away, it was just my stepdad. It's a weird realization coming to the idea that both of your parents are gone, and it's just you. ... I still think of her every single day. She motivates me to do well in everything, because my whole life I wanted to make her proud." Caroline is president of Mount St. Mary's Investment Club and of SADD (Students Against Destructive Decisions). She's also been a regular volunteer for several years at the Little Rock Compassion Center, whose recovery branch provides meals and health resources to people suffering from addiction. Caroline said she found healing from her own grief in the friendships she forged there. As the recipient of a Questbridge scholarship, described by Caroline's guidance counselor and nominator Amy Perkins as a program where lower-income students qualify for tuition to schools with which they "match" via an early decision process, Caroline will attend Duke University on a full scholarship. "I'm going to study biology and psych, with a minor in Spanish. My plan is to work at the Duke Center for Addiction [Science and Technology] helping people with drug addictions overcome that sort of thing. It's something that I've had experience with, watching my family go through things like that."

AXEL NTAMATUNGIRO
Age: 17
Hometown: Pine Bluff
High School: Subiaco Academy
Parents: Sixte Ntamatungiro and Sylvana Niciteretse
College plans: Rice University, neuroscience

Axel Ntamatungiro grew up among books and maps dispersed throughout his home that "paint[ed] the walls with nuanced shades of knowledge." It shows. Not often can a high school senior explain, as Axel does, his love for studying the brain so easily. "Neuroscience is basically a neuron turning on and off," he said. "The fact that you have billions of these combinations that lead to consciousness, that's unbelievable." To continue learning about the mind, Axel is headed to Rice University on a full ride as a QuestBridge scholar. Maybe medical school or graduate school after that. Axel said his parents taught him a "humble intellectualism" that helped him understand "the irrationality of life." They always told him: "Work hard, but you need to realize you don't always get what you deserve." And life has been, at times, irrational and difficult for his family. Axel was the only member of his family born in the United States — in Little Rock in 1999. The rest migrated from Burundi in the early 1990s. They stayed here as the Rwandan genocide inflicted incredible damage in the area. That past was never hidden from Axel. "Instead of avoiding my questions, my parents level-headedly answered [them], telling me about Belgian colonialism, Hutu-Tutsi tension and the systematic poverty afflicting Burundi," he said. Maybe that is why Axel has never been afraid to ask big questions. He said it also helped to have a diverse group of friends who taught him new things. At his cafeteria table for lunch are kids from all over: Nigeria, Fort Smith, Japan, Bentonville and Russia. Everyone's small stories add to a global perspective, something bigger from something small, kind of like those neurons.

JADE DESPAIN
Age: 18
Hometown: Springdale
High School: Haas Hall Academy (Fayetteville)
Parents: Brenan and Tiffany DeSpain
College plans: U.S. Naval Academy, nuclear engineering

For Jade DeSpain, the question, "Where's your hometown?" isn't necessarily as straightforward as it seems. The National Merit semifinalist, swimming star and Quiz Bowler spent much of her childhood in Beijing, where her parents — both fluent in Mandarin — taught her Chinese concurrently with English (and where, she notes, she acquired an "incredible prowess with chopsticks.") "We've moved around so much that I don't really have a 'hometown,' but Springdale is the closest I've ever gotten," she said. She's made her impact there, too, tutoring students free of charge through her volunteer work with the M&N Augustine Foundation and putting in time at the Arkansas Council for the Blind and the Springdale Animal Shelter. Jade is ranked second in her class, and her high school transcript is full of aced courses in trigonometry, physics and calculus. She's also the co-founder of Haas Hall Academy's coding club, so a career in nuclear energy development — Jade's field of choice — isn't just an aspiration; it's the plan. "I have a deep appreciation for nature," she told us, citing Devil's Den State Park as a spot to which she feels closely connected, and stressing the importance of preserving natural spaces and developing more long-term options for sustainable energy. On Christmas Day 2016, Jade checked her email to find that she'd attained something she'd wanted as early as age 12: acceptance to the U.S. Naval Academy. There, she'll major in nuclear engineering and complete her five mandatory post-Academy years in the Navy, after which she hopes to acquire a Ph.D. in the field.

AVERY ELLIOTT
Age: 18
Hometown: Cabot
High school: Cabot High School
Parents: Dan and Melissa Elliott
College plans: University of Arkansas, medicine

Though many of our All-Stars seem destined from birth for academic greatness, there is the occasional inspiring All-Star who has had to overcome seemingly insurmountable odds. One of those is Cabot High School's Avery Elliott, who was born with nystagmus, a condition that causes involuntary eye movements that can make it hard for sufferers to concentrate and learn. Though it's hard to imagine it now, when she was in elementary school Avery found herself falling further and further behind her classmates in reading because of her condition. "That was difficult," she said. "I was behind schedule until about third or fourth grade. I would have to go home and really work with my parents to keep up with the rest of the class." Even though she struggled early on, Avery said that, in a way, the nystagmus contributed to her success and gave her a direction to follow. "I had to learn to really study even outside of school," she said. "I learned some very good study habits. But I think it also really affected where I wanted to go as far as my career. ... I really learned that a medical team can not only dispense medicine, but can really affect someone's life." A National Merit finalist who has volunteered extensively with Special Olympics and already completed 43 hours of college-level coursework, Avery has been awarded the University of Arkansas Fellowship. She plans to study medicine at UAMS after completing her undergrad degree, then practice in Arkansas. That goal has always pushed her to succeed academically. "I wanted to go into the medical field from an early age," she said, "so I knew starting out in high school that I needed to make very good grades in order to get where I needed to. I had to really learn the material, rather than just trying to ace a test."

JARED GILLIAM
Age: 17
Hometown: Cabot
High school: Cabot High School
Parents: Dan and LeAnne Gilliam
College plans: University of Arkansas, engineering

When most young people say they want to change the world, it's easy to believe that's just pie-in-the-sky thinking by someone who hasn't yet been through the Academy of Hard Knocks. When Jared Gilliam says he wants to change the world, however, there's a good chance he might actually pull it off. Jared even has a plan: He'll change the world through engineering. A National Merit finalist and AP scholar with a GPA of 4.18 and a perfect score of 36 on the ACT, Jared is well placed to do just that. A musician who plays percussion with the Cabot High Marching Band, Jared said his favorite subject in school is math. "I think I'm mostly interested in engineering because I've always been sort of a problem-solver," he said. "I've enjoyed math and science, working through things and finding solutions to everyday problems. This year, I've been in robotics, so we've spent time working on a robot to perform various tasks. I've enjoyed that a lot. I think engineering is where my ability would best be used." He'll attend the University of Arkansas, which has offered him the Honors College Fellowship. He said the drive to excel academically has always been a part of his life. "I've grown up being encouraged to do well, and I guess I have my parents to thank for that and all my teachers," he said. "I think knowing that I have the ability to do all of this, I feel compelled to do what I can to make a difference. I think life would be pretty boring if I didn't go out there and do all the things I do. I don't think I could settle for not being successful."

BENJAMIN KEATING
Age: 18
Hometown: Fort Smith
High School: Southside High School
Parents: Drs. Bill and Janice Keating
College plans: Undecided

If you were looking for a ringing endorsement of Ben Keating's character, you'd need to look no further than Amy Slater, the guidance counselor who nominated him for our Academic All-Stars roster and who said of Ben, "He is all the things I hope my son turns out to be. ... He really thinks about things, and he practices the trumpet and piano for hours a day. It's crazy, his dedication." Ben probably had something to prove here; he admits to some skepticism on the part of his mother when he announced he'd be pursuing a career in music. He's certainly proved his mettle; Ben is band president at Southside, was a principal trumpet for the 2017 National Youth Honor Orchestra, first chair for Southside's Wind Symphony and for the All-State Jazz Band and was ranked in the top-tier bands for All-State Band and All-State Orchestra each year from 2014-16. The accolades go on and on: Ben has received a Young Artist Award from the International Trumpet Guild, a Gold Medal from the National Piano Guild and superior ratings from the National Federation of Music Clubs competitions for over a decade. He plays for the Arkansas Symphony Youth Orchestra and as a volunteer musician for the Fort Smith Community Band. Ben is still deciding where to attend college, but wherever he goes, he hopes to continue playing with an orchestra. Eventually, he wants to teach at the university level. "Ultimately," he wrote, "I want to use my passion to unite people of all different races, backgrounds and cultures. In today's society that is politically and culturally divided, it is more important than ever to share the universal language of music."

KATHERINE HAHN
Age: 17
Hometown: Hindsville
High School: Huntsville High School
Parents: Shannon Hahn
College plans: Massachusetts Institute of Technology, biochemical engineering

Katherine Hahn is ranked first in her class at Huntsville High School, which she attends because her hometown of Hindsville is too small to support its own school system. The population of Hindsville is "about 75 people," she told us. At Huntsville High, Katherine plays bass drum in the marching band and marimba/xylophone in the concert band and runs with the Huntsville cross-country team. Her real passion, though, is science. "I think I've always wanted to go to a college that was science-based and research-based," she told us. Her high school principal, Roxanne Enix, noted her own surprise when Katherine announced that she'd take 10 credits her senior year, instead of the recommended eight. "I thought she had lost her mind," Enix stated. Those credits, over half of which are in AP classes, are what Katherine hopes have prepared her for the rigorous workload at MIT. Aiming for a career in pharmaceutical development, Katherine plans to study biochemical engineering, something she said resonated personally with her as a result of her mother's struggle with skin cancer. "Biology helps me understand why medicine does the things it does," Katherine told us. "Whenever I first started out, I wanted to do environmental stuff," she said, but turned her attention to drug delivery systems after observing so many friends and loved ones battling cancer. "I want to help stop people from being scared of losing people," she explained. Katherine, a native of Tahlequah, Okla., who moved to Arkansas around fifth grade, has served on the Madison County Health Coalition as Youth Leader and was named Student of the Year in 2017 by the Huntsville Chamber of Commerce and Huntsville High School.

GEORGIANA BURNSIDE
Age: 18
Hometown: Little Rock
High school: Little Rock Christian Academy
Parents: Bob and Ann Burnside
College plans: Stanford University, biology and public policy

When this reporter mentioned to friends at UAMS that she'd just spoken to an amazingly poised, optimistic and intelligent young woman with a spinal cord injury, they said in unison, "You mean Georgiana Burnside." Her reputation as a teenager who at 16 was paralyzed from the waist down in a snow skiing accident but who considers the event a "blessing" no doubt goes further than UAMS, all the way to Denver's Craig Hospital, where she spent "the most memorable two months in my life," she said, and where she returns to continue her rehabilitation. What is a spinal cord injury? She answers that it is a) a life changed in a split second, b) finding out that a bad attitude is the true disability, c) a time to show off wheelchair tricks, and d) spontaneous moments of unfortunate incontinence. In her essay for the Arkansas Times, Georgiana writes, "my physical brokenness has developed wholeness in my heart about the capacity life holds for individuals regardless of their disabilities." In a phone interview, Georgiana, once a figure skater, talked about her work with Easter Seals, fundraisers for Craig Hospital, and giving talks and testimony about her faith. Georgiana has regained the ability to walk with hiking sticks and leg braces, thanks to the strength in her quads. And, thanks to support from the High Fives Foundation in Truckee, Calif., which sponsors athletes with injuries and which has paid for some of her rehabilitation, Georgiana returned to the slopes over spring break, skiing upright with the aid of long forearm equipment. At Stanford, she'll study to be a doctor, with a goal to return to Craig Hospital as a physician who'll treat other injured youths who, though they may have, like Georgiana, at first believed their life was over, will learn they have "a unique role ... enabling the advancement of society."

MITCHELL HARVEY
Age: 17
Hometown: North Little Rock
High School: North Little Rock High School
Parents: David and Susan Harvey
College plans: Likely Mississippi State University, chemical engineering

Mitchell Harvey is a big fan of the periodic table. "The elements are amazing little things," he wrote in his Academic All-Star essay. "They make up everything, yet we hardly see them in their pure form in everyday life." Mitchell decided they needed more exposure, so he started collecting examples of the elements and taking them to school for his peers and teachers to see. He extracted helium from an abandoned tank on the side of the road. He found zinc in wheel weights, grew crystals of copper with electrolysis and made bromine, which he describes as "a blood-red liquid that fumes profusely," from a "crude" homemade distillation setup and pool chemicals. Though you can buy sodium readily, Mitchell made his by melting drain cleaner (sodium hydroxide) with a blowtorch and then passing a current through it, separating the mixture into sodium metal, oxygen and water. His parents were OK with the procedure, he says, because he wore a Tyvek suit, three pairs of gloves, safety goggles and a face shield. While on a college visit in California last summer, Mitchell toured Griffith Observatory in Los Angeles and was impressed by the large periodic table display exhibit there. So he decided to build one for North Little Rock High. He got money from the school's alumni group, the Wildcat Foundation, to pay for the supplies necessary to construct the 9-foot-by-6-foot display. He hopes to have it completed in the next two weeks and fill it with examples of elements he has collected, though he may need additional funding to pay for other elements. No. 1 in a class of 687, Mitchell scored a perfect 36 on the ACT. He's also an Eagle Scout, and led a project to plant 800 native hardwood seedlings at Toltec Mounds Archeological State Park. After college, Mitchell said, he might start his own waste remediation business. "The business model I would be going for would be taking some byproduct that's hazardous and turning it into something useful."

CARSON MOLDER
Age: 18
Hometown: Mabelvale
High school: Bryant High SCHOOL
Parents: Kevin and Ruby Molder
College plans: University of Arkansas

Not everybody plays the mellophone and likes to draw up better interstate exchanges, but Carson Molder does both. The University of Arkansas Honors College-bound student, No. 1 in his class, likes to create three-dimensional schemes in his head, and has been creating road designs since he was young. But as a musician who plays the French horn in his school's orchestra and the mellophone in the Legacy of Bryant marching band, and who has won a band scholarship in addition to his Honors College reward to the UA, he said that one day he may be an audio engineer. "I'm going to put things together and see what sticks," he said of his future. Meanwhile, Carson said the internet has been his Nina, Pinta and Santa Maria, taking him to new places that he otherwise could not get to. "I can count on my hands the number of times I have set foot outside Arkansas," Carson wrote in an essay for the Arkansas Times. But with the internet, "I can gaze into the redwood forests of California and the skyscrapers of New York City without leaving my desk." Without the internet, he said in a phone interview, "I would not be at the top of my class." Carson added, "It's not going to replace going out and visiting these things, but if you're a kid and don't have the money to go out, you can visit Yellowstone." Carson, who describes himself as "really ambitious," is looking forward to studying with Dr. Alan Mantooth, the director of the UA National Center for Reliable Electric Power Transmission. The UA, he said, "will provide me the tools" he'll need to succeed in graduate school, which he hopes will be Stanford University.

OLIVIA LANGER
Age: 18
Hometown: Jonesboro
High school: Brookland High School
Parents: Kelly Webb and Jonathan Langer
College plans: University of California, Santa Barbara, chemistry

You might think that a student who is No. 1 in her class and a National Merit finalist with nary a B on her high school transcript might not consider one of her greatest achievements her selection as her high school's drum major three years in a row. But here's the thing: Schoolwork comes easy to Olivia Langer. "I never had to work hard," she told us. In fact, her style of learning is "conversation-based," she said; she enjoys "debate without argument." But music was different: "I struggled at points, and had to put in extra work to be good." Her selection as drum major was "something I know I've worked for," she said, and she has enjoyed the responsibilities that come with it. "I like to take care of people. The band calls me band mom," she added. Beside numerous academic awards, Olivia also earned a 2017 state Horatio Alger scholarship for students who have overcome great obstacles. Hers, Olivia said, was financial: She's always had a place to stay and food to eat, but she hasn't been able to afford academic programs. "Honestly, I wasn't able to visit any of the colleges I applied to," she said. So she will see the UC Santa Barbara campus for the first time when she arrives this fall. She's considering a double major in chemistry and anthropology; she's interested in the evolutionary side of anthropology, and plans to seek graduate and post-graduate degrees.

REBECCA PARHAM
Age: 18
Hometown: Alma
High School: Arkansas School for Mathematics, Sciences and the Arts
Parents: Eileen and Rick Parham
College plans: University of Arkansas or Hendrix College

On a visit to Hanamaki, Japan, with her school, Rebecca Parham noticed that once a month all the citizens would clean the front of their homes and shops. Folks would give each other gifts, too. "It was clear people tended to think for the whole," she said. "I thought that was really nice." An avid chemist, Rebecca did not just improve her Japanese on the trip, she brought those lessons of helping the community back to Arkansas. Her work has been at the intersection of heady science and community impact. In her robotics club, she noticed that girls were less likely to participate. "I decided that was not OK," she said. So, she designed a day with LEGO kits to encourage women to pursue STEM education. That desire to make an impact goes beyond school, too. For her senior project, Rebecca designed a test for homebuyers to see if meth had been cooked on their property (yes, meth). Her parents, on hearing of this project choice, asked her to "please explain a little bit further ... ." Here's the gist: The method of meth production in rural areas has shifted to something called the Birch reduction; older testing kits would no longer work. But Rebecca thought she could produce one that could. She designed a flame test. It finds lithium compounds left behind. The process of invention was "definitely frustrating," Rebecca said, but you "learn things you never thought of before." Rebecca did not plan to spend senior year in her dorm late at night "searching online" how to identify meth production, but she has a driving curiosity toward science and how it "connects to the world." She hopes to work in renewable energy — to be part of the global community, from Japan to Arkansas — making the world a nice place in which to live.

GRANT ROBINSON
Age: 18
Hometown: Searcy
High school: Searcy High School
Parents: Eric and Lisa Robinson College plans: University of Arkansas

Grant Robinson's father is a cardiologist, and Grant long figured he would follow in his dad's footsteps. But now he's not so sure. Last summer, he was selected, among thousands of applicants from around the world, to participate in a Stanford University summer engineering program. He got to experience a taste of college life, to take advantage of Stanford's decked-out labs and to tour the area to see results of civil engineering. The most memorable part of the program? Grant's small group built a Rube Goldberg machine — a complicated gadget that performs a simple task in a convoluted way — that, by Grant's estimation, was "the most complex and aesthetically pleasing" in the program. It included an electromagnet the group handmade and chemical reactions triggered by the machine. Grant's academic achievements are the byproduct of a natural curiosity. He said he spends what little free time he has exploring YouTube, trying to figure out the way the world works. Another influence: His father, who pulled himself out of poverty to become a doctor, has always instilled in him the importance of hard work. The message clearly stuck. Grant is second in his class of 263, with a 4.27 GPA. He scored a 35 on the ACT. He's a Presidential Scholar. His classmates voted him most likely to receive the Nobel Prize. He also participated in Project Unify (now known as Unified Champion Schools), an effort by the Special Olympics to get young people with and without special needs to come together for activities. Grant helped plan a basketball tournament as part of the project. In the fall, he'll be rooting on the Razorbacks at the University of Arkansas.  

JOHN SNYDER
Age: 18
Hometown: Little Rock
High school: Little Rock Christian Academy
Parents: Jill and Steve Snyder
College plans: Cornell University, industrial and labor relations

Whatever you were doing by your senior year in high school, chances are you probably hadn't already authored a book, much less a book on the complicated intersection of taxation and politics. John Snyder has, though. His book, "The Politics of Fiscal Policy," explores the political aspects of economics, including the pros and cons of various governmental tax schemes and their effect on government spending. It's for sale on Amazon right now. "It's pretty concise," John said, "but I wanted a way to express all my ideas in economic terms. That was a great way to do that." A history buff who serves as vice president of his class, John has a stunning 4.49 GPA and is ranked first in his class of 129. Though he wanted to be a lawyer when he was younger, his plan now is to go into investment banking. "Ultimately I want to have my own hedge fund — this thing called an activist hedge fund — and eventually I want to be actively involved in politics, whether that's in the midst of my business career or after ... . I'd love to run for public office one day." At Cornell University, John will be studying industrial and labor relations, a field that marries his love of multiple subjects. "Basically it ties in business, law, economics and history all into sort of one degree," he said. "You can do limitless things [with the degree]. Some people go into law school, some go into banking, some go to politics. That's why I chose that degree." John said his philosophy is that we have only a limited amount of time on earth, and so we should try to make the most of our lives. "I think there are a lot of things I can do to change the way things currently are in society, whether it's related to business or in academia or public policy," he said. "If I don't play a role in that and I'm not striving to do my best, I would feel like I'm wasting my potential."

PRESTON STONE
Age: 18
Hometown: Benton
High school: Benton High School
Parents: Haley Hicks and Brec Stone
College plans: University of Arkansas, pre-med

Benton High School's Big Man on Campus — No. 1 in his class, captain of the football team, an AP Scholar, straight As — can add to his resume the fact that he helped build his home. Preston, his two brothers and his mother bounced around a bit after her divorce, from Texas to Arkansas, living with grandparents and friends, Preston said. Then the family was selected by Habitat for Humanity, and he and his brothers pitched in to build their house. "It was the first place I could truly call home and it allowed me the stability I needed to grow into the kind of student I am today," he wrote in his essay for the Arkansas Times. Preston, who also helped build a school outreach group called SERVE to help new or struggling students, also credits sports for giving him purpose. He recently volunteered to trade in the pigskin for a basketball, joining a team that played boys at the Alexander Juvenile Detention Center. "It was an awesome experience," Preston said in a phone interview. "We were a little bit nervous at first" at the detention center, he said, but the team enjoyed the game — even though they lost to the Alexander team, formed to reward inmates with good behavior. "They practice every day," Preston said. Preston has received a $70,000 Honors College scholarship at Fayetteville. He won't be playing football with the Razorbacks. Instead he is thinking of following a pre-med track that will lead him to sports medicine. He plans to go Greek, as well.

KARINA BAO
Age: 18
Hometown: Little Rock
High school: Central High School
Parents: Amy Yu and Shawn Bao
College plans: undecided

Karina Bao embraces complexity. The Central High School valedictorian (in a class of 636) is a member of the school's back-to-back state champion Ethics Bowl Team, for which she said she spent hours "researching, discussing and sometimes even arguing" case studies. Unlike debate, she said Ethics Bowl is "really about the back-and-forth and considering different caveats and nuances and considerations" in issues ranging from local food to gender identity. As president of the school's Brain Club, she leads discussions on brain diseases, disorders and anatomy. It's a role for which she's more than qualified: She placed first in the U.S. Brain Bee, a youth neuroscience competition in which contestants answer questions about anatomy and make diagnoses based on patient actors. Placing No. 1 in the U.S. competition landed Karina a trip to Copenhagen, Denmark, to the International Brain Bee, which happened to coincide with a Federation of International Neuroscientists conference, where Karina got to talk to scientists from all over the world about their groundbreaking research. She placed fifth in the international competition. A perennial outstanding delegate winner at Model United Nations competitions, Karina said Model U.N. has helped her to "not be scared of the complexity and interconnectedness of pressing issues we face today." In her spare time, Karina volunteers on the oncology wing of Baptist Hospital. "You don't get to do much," she said. "But at least we get to talk to people and help them with whatever they need and be there to listen." In her Academic All-Stars essay, Karina echoed the same drive for understanding: "The stories other people share with me become not my own when I retell them, but a part of humanity's collective spirit to understand each other. We grow from hours of listening and crying, to empathize, to have the strength and openness to pop each successive layer of the protective bubble that keeps us from seeing the very world in which we reside."

BRYCE COHEA
Age: 19
Hometown: Greenwood
High school: Greenwood High School
Parents: Mike and Robin Cohea
College plans: University of Tulsa or Vanderbilt university, biology

Though he grew up landlocked, far from the deep blue sea, Greenwood High School standout Bryce Cohea knew from an early age that he wanted to be a marine biologist. To reach that goal, Bryce had to start early. "In the ninth grade," he wrote in his Academic All-Stars essay, "I began planning out all my classes for the next four years. I wanted to graduate top of my class, and in order to do that I would need to take every advanced placement class and get an A in every class." That's exactly what he did, too, making nothing less than a perfect grade in every class for his entire high school career. With a 4.25 GPA and a rank of No. 1 in his class of 275, Bryce has volunteered extensively with the Salvation Army and collected shoes for the homeless; he helps unload trucks and stock shelves at the food bank at his church. A National Merit semifinalist, he also has the distinction of having scored the first perfect ACT score of 36 in Greenwood High School history. "I've honestly been a good test-taker," he said. "The first time I took it, I got a 34. After that, I got the test back and I worked on whatever I missed. After a few more tries, I got a 36." Bryce was still deciding on which university to attend when we spoke to him, but he definitely plans to study science. The subject has always interested him, he said. "I'm planning on majoring in biology and then specializing after that," he said.

IMANI GOSSERAND
Age: 16
Hometown: Rogers
HIGH SCHOOL: ROGERS HIGH SCHOOL
Parents: James and Hyesun Gosserand

College plans: University of Southern California, Harvey Mudd College or Columbia University, computer science or environmental science

Imani Gosserand has a journal in which she organizes the many moving parts of her life — competitive gymnastics, AP classes, computer science, Young Democrats, volunteering — into lists. Personal stuff is in there, too: bucket lists, remembrances. The journal combines the creative and the organized; it is problem-solving with an artful flare, which is how Imani operates. "I really like being able to create something of my own," she said of computer science. At a camp at Stanford University, in California, her team won the competition to program a car. Imani, not surprisingly, is good at math: She learned multiplication at age 4 and went on to skip two grades. Imani thinks schoolwork is fun. "We had a huge packet of homework problems we had to do over one of our breaks," she said. "And no one else was excited about it except for me. I was like 'Oh, I'm so excited to do all these problems!' " She brings that enthusiasm for problem-solving to bigger issues, as well. "I feel like there are so many opportunities for me because our world relies on technology, so I think I could go into any field," she said. She's excited to explore and see where she can help. "I want to meet people from around the world and hear different perspectives."

C.J. FOWLER
Age: 18
Hometown: Little Rock
High School: Central High School
Parents: Bobbi and Dustin McDaniel and Chris and Kim Fowler
College plans: Yale University

C.J. Fowler has long been around Democratic politics. His stepfather is former Arkansas Attorney General Dustin McDaniel. But C.J. said he decided to become more politically involved himself after he came out as gay. "The situation that I'm in is not great," he said. "People are not always accepting. But it's on me if I want to try to change that and make it better for the people who come after me. I have to make sure that my community and all marginalized communities have a seat at the table, because far too often a bunch of old gray white guys are making policies that hurt everyone else." The student body president of Central High, C.J. said he's tried to move the student council, a glorified dance committee, toward advocacy and activism for students throughout the district, whose future is being decided by those "people sitting in dark rooms." He said students too often get left out of the conversation about the district "because we're too young to have opinions. But we're not; we're living it every day." C.J. has been a fixture at Little Rock School District public comment periods. Though he can't point to any policy victories, he said at least LRSD Superintendent Mike Poore knows who he is and that he disagrees with him. C.J., who is also the executive director of Young Democrats of Arkansas, sees the backlash against President Trump as encouraging. "We're realizing that, if we're going to go all in for progressive values, we need to go all in." Rather than join the chorus of progressives in the Northeast after he finishes at Yale, C.J. says he wants to come back to Arkansas and possibly continue in politics. He admires state Sen. Joyce Elliott (D-Little Rock) and says he hopes if he ever holds office that he can follow her example.

SOPHIE PRICE
Age: 18
Hometown: Fort Smith
High School: Southside High
Parents: Claire Price and Scott Price
College plans: Vanderbilt University, political science

"Growing up, I would always argue with everybody," Sophie Price said. Sometimes it was just to play devil's advocate, but mostly, it was because Sophie wants to find the capital-t Truth. Some of this digging for truth is class: seven AP course just this year and 12 during her time in high school. But, some of it is also talking with people, discussing issues. "The best way to improve your argument is to hear the counters, to hear the other side," Sophie said, and often she is willing to be convinced. She wants to do the right thing; she believes in justice. Which is why after college at Vanderbilt on a full scholarship, she wants to field arguments as a judge. "My whole life I've followed this ideal that you have to do what's right," Sophie said. "I want to be a judge so I can kind of decide that." Vanderbilt was the only school to which Sophie applied. She knew it was the right one for her. She arrived in Nashville on a rainy day in January, but through the gloom, she knew. "Something about the beautiful campus and the intelligent people and these varying perspectives just sold me immediately," she said. In a few months she was back at Vanderbilt for a camp where she studied law, and it cemented the deal. "There was something so exhilarating about being able to have this case and have the facts and kind of create your own narrative and really advocate for someone that drew me in," she said. Watch out, because "everything I do, I want to give it a 120 percent," Sophie said.

MEAGAN OLSEN
Age: 17
Hometown: Fayetteville
High School: Fayetteville High School
Parents: Anjanette Olsen
College plans: University of Arkansas Honors College, chemical engineering

Fayetteville High School’s top student, with a perfect ACT score of 36, a 4.2 gradepoint average and the co-author of a paper on fractal self-assembly, is not just a bookworm. She’s a leader, her counselor Cindy Alley says, who shows “grit, motivation to succeed and a desire to help others.” She is also, Alley says, “a pure joy to be around.” In her essay for the Arkansas Times, Meagan talked about how she came to understand “ternary counters,” a base-3 method of counting in which only the digits 0, 1 and 2 are used. (Binary counters of 0 and 1 make up our computer’s “thinking,” as people with 10 fingers, we use base 10 to count.) Meagan, trying to make a “self-assembling ternary counter,” said she banged her head against “endless walls” for weeks. Then just after 1 a.m., she woke up with the answer. It’s a wise child who gives credit where credit is due: “I understood,” she wrote, “my mother’s advice about taking a break whenever I was upset.” Meagan’s paper on fractal self-assembly was published in the 22nd International Conference on DNBA Computing and Molecular Programing. She no longer lets frustration prevent her from solving a problem; sometimes, she’ll just sleep on it. Meagan told the Times she plans to attend a small conference this summer and then take some needed down time. She plans to use her degree from Fayetteville to pursue biomedical research.
          banking and finance-Freshers/Experienced - H.R.live - Shimla, Himachal Pradesh   
We're having urgent requirments for Senior/Junior Officer profiles in Banking Industry.graduate Freshers will be considered.... ₹18,000 a month
From Indeed - Wed, 24 May 2017 06:13:27 GMT - View all Shimla, Himachal Pradesh jobs
          Serviced Office for Rent   
800
Gresham Street is situated in a prominent position in Londons banking heartland. The building has recently undergone a full and comprehensive refurbishment. Accommodation is arranged over six floors, providing a wide range of impeccable, fully...
furnished
Wed, 28 Jun 2017 15:47:12 -0400
          How Bitcoin Will End the Nation State   
What is bitcoin, and why is it suddenly the hottest thing in global currency markets? As the European banking and currency crisis unfolds, the emerging digital […]
          Accounts Payable Analyst/Treasury - (Boston)   
Title Accounts Payable Analyst/Treasury Description * Processing of accounts payable invoices to ensure that vendor payables are in accordance to contract terms and within predetermined performance measurements o Entry and distribution of invoices to appropriate business owner for approval o Process approved invoices prepare batches & submit to Supervisor o Provide reporting for vendor payable trends o Collaborate with General Ledger to ensure accurate account posting * Manage Associate Expense reports o Ensure auditing of reports for compliance to company guidelines o Coordinate with Associate and/or Department managers to resolve discrepancies * Vendor Administration o Maintain current vendor database according to company guidelines o Process and Track Daily Vendor Add / Change Requests o Conduct Bi monthly Vendor Due Diligence screening * Support Treasury Analyst Functions o Support Treasury Analyst in operational functions o Distribute daily cash reporting o Train and support weekly payable electronic fund transmission /check print o Manage and distribute Petty cash, complete month end reconciliation. o Assist with Month End Close Procedures, and other department responsibilities as required Requirements Qualifications: * Associates Degree in Accounting/Finance * 2/3 years of relevant Treasury/Banking experience (international preferred) * Previous experience in accounts payable and customer relations is preferred. * Analytical skills with knowledge of spreadsheet applications.
          Accounts Payable Analyst/Treasury - (Boston)   
Title Accounts Payable Analyst/Treasury Description a€ cents Processing of accounts payable invoices to ensure that vendor payables are in accordance to contract terms and within predetermined performance measurementso Entry and distribution of invoices to appropriate business owner for approval o Process approved invoices prepare batches & submit to Supervisoro Provide reporting for vendor payable trendso Collaborate with General Ledger to ensure accurate account posting a€ cents Manage Associate Expense reportso Ensure auditing of reports for compliance to company guidelineso Coordinate with Associate and/or Department managers to resolve discrepanciesa€ cents Vendor Administrationo Maintain current vendor database according to company guidelineso Process and Track Daily Vendor Add / Change Requestso Conduct Bi monthly Vendor Due Diligence screeninga€ cents Support Treasury Analyst Functionso Support Treasury Analyst in operational functionso Distribute daily cash reportingo Train and support weekly payable electronic fund transmission /check printo Manage and distribute Petty cash, complete month end reconciliation.o Assist with Month End Close Procedures, and other department responsibilities as required Requirements Qualifications:a€ cents Associates Degree in Accounting/Financea€ cents 2/3 years of relevant Treasury/Banking experience (international preferred)a€ cents Previous experience in accounts payable and customer relations is preferred.a€ cents Analytical skills with knowledge of spreadsheet applications.a€ cents Highly organized, detail oriented and good problem solving skills.a€ cents Self motivated: Able to work independently and as a team membera€ cents Strong interpersonal, written and verbal communication skills.a€ cents Ability to react in a fast paced and changing environment while not losing focus on priorities . Source: http://www.juju.com/jad/000000009ft191?partnerid=af0e5911314cbc501beebaca7889739d&exported=True&hosted_timestamp=0042a345f27ac5dc69354e46c76daa485f5433b1779459d32f1da485eef8e872
          The preferred stock fraud   
The bursting of the housing bubble in 2008 emptied the financial market of buyers and altered the banking system and ethics. The preferred stock fraud
PressTV
          Comment on How Fintechs Can Build Efficient Solutions for Intra-African Remittance by Anonymous   
Quite a bright idea...but the missing piece on the analysis is the regulatory aspect...of the banking, mobile money and forex industry in the respective countries.
          Easy Income From Trump’s Renewed Focus   

This post Easy Income From Trump’s Renewed Focus appeared first on Daily Reckoning.

Earlier this month, the House passed the Financial CHOICE Act, a bill aimed at repealing the Dodd-Frank regulations. What this means for you is great new earning opportunities the banking industry previously couldn’t offer.

The post Easy Income From Trump’s Renewed Focus appeared first on Daily Reckoning.


          The No.1 Reason Why You’ll Beat the Market in July…   

This post The No.1 Reason Why You’ll Beat the Market in July… appeared first on Daily Reckoning.

Market rotation has been our big theme this month. If you want to continue banking short-term gains in this market, it’s time to reevaluate your positions and jump on the most lucrative trends for the third and fourth quarters. Luckily, Greg Guenthner shows the market continues to offer clues as to what stocks and sectors will shine during the second half of the year. Read on to find out how you can profit…

The post The No.1 Reason Why You’ll Beat the Market in July… appeared first on Daily Reckoning.


          Consumer Sentiment Declined in June   
Consumer Sentiment fell 2.0 points in June to 95.1, according to the University of Michigan Consumer Sentiment Index.  

The Current Economic Conditions Index rose 0.8 point to 112.5, while the Consumer Expectations Index decreased 3.8 points to 83.9. 
“Although consumer confidence slipped to its lowest level since Trump was elected, the overall level still remains quite favorable. The average level of the Sentiment Index during the first half of 2017 was 96.8, the best half-year average since the second half of 2000, and the partisan gap between Democrats and Republicans stood at 39 Index-points in June, nearly identical to the 38 point gap in February. The partisan divide still meant that June's Sentiment Index of 95.1 was nearly equal to both the average (95.7) between the optimism of Republicans and the pessimism of Democrats and the value for Independents (94.6). Surprisingly, the optimism among Republicans and Independents has largely resisted declines in the past several months despite the decreased likelihood that Trump's agenda will be passed in 2017,” said Richard Curtin, chief economist of UM Surveys of Consumers. “The most important policies to consumers are those that directly or indirectly affect their jobs, incomes, or their financial security. Fortunately, increasing uncertainty about future prospects for the economy has thus far been offset by the resurgent strength in the personal financial situation of consumers. The combination of continuing improvements in personal finances and increasing concerns about the economic outlook is typical around cyclical peaks. Nonetheless, the data provide no indication of an imminent downturn nor do the data provide any indication of a resurgent boom in spending. Even with a much improved 2nd quarter, personal consumption spending is expected to advance during 2017 by about 2.3%.” 

Read the University of Michigan Surveys of Consumers 
release
Visit 
Banks and the Economy.

          First Quarter GDP Revised up to 1.4%   
Real GDP for the First quarter of 2017 grew at a seasonally adjusted annual rate of 1.4%, according to the Bureau of Economic Analysis’s revised estimate, up slightly from the second estimate of 1.2%. The general picture of economic growth remained the same.
 
The increase in the estimate was mostly due to consumer spending on services and exports being larger than previously estimated. This was partially offset by a small downward revision to nonresidential fixed investment.
 
Real gross domestic income increased 1.0% in the first quarter, down from 1.4% in the fourth quarter of 2016. Current-dollar GDP increased 3.4% compared to 4.2% in the previous quarter.


Read the GDP release.
Visit Banks and the Economy.

          Customers Bancorp Announces Closing Of $100 Million, 3.95% Senior Notes Offering   

Click to view a price quote on CUBI.

Click to research the Banking industry.

          Director of Finance   
MD-Frederick, Job Description Job #: 763252 Financial Director Location: Frederick, MD Our client is seeking a Director of Accounting to manage a cross functional team responsible for all aspects of accounting, finance, and pricing, including hands-on management of: DCAA compliance Cost Proposals (for federal government consulting services) Budgeting and Financial Reporting and Banking Relationship Monthly Invo
          Bookkeeper (Part-time) - Faber Compounders Inc - Cambridge, ON   
Required Experience: Accounts Payable/Receivable, Bank Reconciliation, Banking/Deposits, Payroll, Prepare all government filings as required, Prepare annual T
From Indeed - Mon, 05 Jun 2017 13:44:04 GMT - View all Cambridge, ON jobs
          Teller Shangri-La Hotel Shenzhen HSBC China (Pearl River Delta)   
Job Description - Teller Shangri-la Hotel Shenzhen HSBC China (Pearl River Delta) (000098PN) Job Description Teller... Shangri-la Hotel Shenzhen HSBC China (Pearl River Delta) 000098PN Description Retail Banking and Wealth Management (RBWM...
          Blue Prism Developer/Consultant - Contract   
VIC-Melbourne CBD, The Blue Prism Technical Specialist will be responsible for the design, development, and implementation of Blue Prism platform for banking project. 3 Months Contract (with the view to extend) Global IT Organisation - Large Banking Project Melbourne CBD Location Overview A global leader in consulting and technology solutions is currently looking to hire an experienced Blue Prism Technical Specialis
          Electronic Banking Assistant Manager - Alliance Bank - Oxford, IN   
Electronic Banking Assistant Manager will be responsible for assisting the Electronic Banking Manager in the development, promotion and maintenance of all
From Indeed - Tue, 25 Apr 2017 13:32:28 GMT - View all Oxford, IN jobs
          Voice payments are beginning to catch on and it’s only a matter of time until mass adoption…   
A revolution in payments and banking is beginning, as virtual assistants like Siri and Alexa gain the abilities of cashiers, personal shoppers, and bank tellers.Already, Siri can help users make peer-to-peer (P2P) transfers with Venmo, Alexa can pay off Capital One credit card bills, and Google Assistant can let users shop with their voice from […]
          OCBC华侨银行   
根据资料显示,新加坡华侨银行正在招聘各部门的人才,以下只供参考:
1. Treasury Officers
Singapore
截止日期:October 08, 2008
2. Management Associate - Audit
Singapore
截止日期:September 26, 2008
3. Management Associate - Consumer Financial Services
Singapore
截止日期:September 26, 2008
4. Management Associate - Corporate Banking
Singapore
截止日期:September 26, 2008
5. Management Associate - Operations
Singapore
截止日期:September 26, 2008
6. Management Associate - Technology
Singapore
截止日期:September 26, 2008
7. Management Associate - Risk Management
Singapore
截止日期:September 26, 2008
8. Management Associate - Global Treasury
Singapore
截止日期:September 26, 2008
9. Management Associate - Finance
Singapore
截止日期:September 26, 2008
10. Management Associate - Investment Banking
Singapore
截止日期:September 26, 2008

正确资讯请上网查核, 以免谬误:
http://www.ocbc.com.sg/
          Commercial Real Estate Senior Quality Control Analyst   
MA-Boston, Commercial Real Estate Senior Quality Control Analyst-1705387 Description Santander’s Commercial Banking Division is an active provider of capital, treasury management and risk management solutions to thousands of small and mid-sized companies in the northeast and across the country. We also have expertise and provide service to specific industry sectors including real estate, asset based lending,
          Mortgage Lending Business Analyst Change Finance Banking London   
Mortgage Lending Business Change Business Analyst (Target Operating Model TOM Transformation Process Mortgages Lending Business Change Manager UAT Business Banking Business Analysis Finance) required by my banking client in London. You MUST have the following:Current or recent experience as a Mortgage Lending Business Change Man..
          Payments System Consultant   
Payments System Consultant Salary and benefits DOE starting from £55-70k Must have business expertise for payment scheme SCT, SDD, XCT and BACS and system & testing experience on FIS OPF Payments Platform payment modules. Must have experience of Japanese Bank Project Life Cycles Must have Core banking functional test experie..
          Corporate Actions Administrator   
Corporate Actions AdministratorLiverpool£13.41 per hour6 Month ContractOur high profile Banking client currently has an opportunity for a Corporate Actions Administrator to work in their offices based in Liverpool.Key Skills:Primarily responsible for reviewing the processing and maintaining voluntary and mandatory corporate acti..
          Junior PA Leading Tier One CIty Bank   
Junior PA A superb opportunity to join a leading Tier One Banking organisatiojn on the City and work with the Executive Assistant to provide secretarial/admin support to all areas of the business. ESSENTIAL DUTIES AND RESPONSIBILITIES The role has a key focus on travel booking & the processing of expense claims but al..
          Python Full-Stack Web Developer DevOps Software Engineer Agile Trading / Joseph Harry Ltd / New York, NY   
Joseph Harry Ltd/New York, NY

Python Full-Stack Web Developer (Software Engineer Python Apache Tom Cat IIS DevOps ChatOps Microservices Micro Services CI CD Bamboo BitBucket DDD ClojureScript Docker Chef Jenkins Agile Digital Trading Banking) required by our trading software client in New York City, New York.

You MUST have the following:

Good experience as a full-stack Software Engineer/Developer for Python web applications

HTML 5, CSS 3, JavaScript for Front End development

Web Servers such as Tom Cat or Apache

Agile

The following would be DESIRABLE, not essential:

BitBucket

Microservices or Domain Driven Design (DDD)

ClojureScript

Docker

ChatOps

Contribution to the open-source community- GitHub, Stack Overflow

Continuous integration (Bamboo/Hudson, TeamCity, TFS, MSBuild)

Automated deployment (Chef, Ansible, Octopus)

Configuration management (Puppet, PowerShell DSC)

Role: Python Full-Stack Web Developer/Software Engineer required by my trading software client in New York City, New York. You will join a small Agile team of five developers, spread over the US and Europe, that are extending and improving credit and counterparty risk applications. There will be the continuous development of new features in order to incorporate the constant release of financial regulation into the product suite. This is a micro service application. The suite is web based, built in Python and running on Apache, Tom Cat and MySQL.

In order to incorporate new financial regulation, the team adopts a highly Agile DevOps environment. This results in several releases a day with the use of Bamboo, BitBucket and Confluence for continuous integration, deployment and source control.

The environment is modern and progressive. There will be excellent opportunities to progress in to Lead Developer and Architect roles.

Salary: $100k - £125k + 20% Bonus + Benefits

Employment Type: Permanent
Work Hours: Full Time
Other Pay Info: $100k - $125k + 20% Bonus + 401K

Apply To Job
          Full-Stack Web Developer DevOps Software Engineer Python Agile Trading / Joseph Harry Ltd / New York, NY   
Joseph Harry Ltd/New York, NY

Full-Stack Web Developer (Software Engineer Python Apache Tom Cat IIS DevOps ChatOps Microservices CI CD Bamboo BitBucket ClojureScript Docker Chef Jenkins Agile Digital Trading Banking) required by our trading software client in New York City, New York.

You MUST have the following:

Good experience as a full-stack Software Engineer/Developer for web applications; this can be any language including .NET, Java, PHP, C++, Python

HTML 5, CSS 3, JavaScript for Front End development

An interest in learning Python

Web Servers such as IIS, Tom Cat or Apache

Agile

The following would be DESIRABLE, not essential:

BitBucket

Microservices or Domain Driven Design (DDD)

ClojureScript

Docker

ChatOps

Contribution to the open-source community- GitHub, Stack Overflow

Continuous integration (Bamboo/Hudson, TeamCity, TFS, MSBuild)

Automated deployment (Chef, Ansible, Octopus)

Configuration management (Puppet, PowerShell DSC)

Role:

Full-Stack Web Developer/Software Engineer required by my trading software client in New York City, New York. You will join a small Agile team of five developers, spread over the US and Europe, that are extending and improving credit and counterparty risk applications. There will be the continuous development of new features in order to incorporate the constant release of financial regulation into the product suite. The suite is web based, built in Python and running on Apache, Tom Cat and MySQL. Although this role will be exclusively developing in Python, Python experience is not required. You can have experience in .NET, Java, PHP, C++ or other languages as long as you are happy to work with Python and have web development experience.

In order to incorporate new financial regulation, the team adopts a highly Agile DevOps environment. This results in several releases a day with the use of Bamboo, BitBucket and Confluence for continuous integration, deployment and source control.

The environment is modern and progressive. There will be excellent opportunities to progress in to Lead Developer and Architect roles.

Salary: $100k - £125k + Bonus + Benefits

Employment Type: Permanent
Work Hours: Full Time
Other Pay Info: $100k - $125k + Bonus + 401K

Apply To Job
          Agent, Fraud Prevention - Transat - Montréal, QC   
Manage internal and external calls and e-mails required for verification (calls to passengers, banking institutions, police, legal department, etc.);...
From TRANSAT - Mon, 26 Jun 2017 18:41:39 GMT - View all Montréal, QC jobs
          Interest rates and housing in 2017   
Interest rates and housing in 2017

In 2008, the housing bubble burst in the United States. A recession followed, but Australia was spared. By 2011, housing prices continued to rise in Australia and people were concerned about a housing bubble. Mortgage interest rates are tied with house prices and the affordability of housing. What is in store for us in 2017?

Interest rates in Australia  

Once again, Australians are concerned about interest rate hikes and the bursting of the housing bubble. According to an article in The Australian: "No major country's fortunes are so entwined with property as Australia's." The article goes on to say that over a fifth of Australia's economy is connected with home building, "spurred on by rising house prices."  

Some observers say Australia is heading towards a housing bubble. Recent interest rate hikes may be the tipping point for Australia. On 28 March, the ABC reported that all four major banks and some of their smaller competitors raised interest rates. The title of the article was ominous: Brace yourself for more interest rate rises, analyst says. The article points out that many people took out interest only loans, but soon will have to start paying "principle and interest payments and potentially they can't afford those repayments", according to Omkar Joshi, banking analyst with Regal Funds Management.  

Not everyone agrees with these scenarios. Bill Evans, chief economist for Westpac Bank, believes banks and the government will take steps to keep interest rates low. His April article in Westpac's Business Focus says, "Australian interest rates on hold 2017 and 2018." He does see a potential problem with over-regulation, but he believes RBA rate cuts will "help engineer a manageable slowdown in house price inflation without precipitating a dangerous over reaction in the housing markets."  

Australian Housing Interest Rates 

A look at Australian housing interest rates helps explain why house prices have been rising. These are statistics for variable mortgage rates

  • In 1990, rates were 17.0 percent
  • In 1995, Australians were paying 10.5 percent
  • In 2000, interest rates were 8.05 percent
  • In 2005, rates were about 7.3 percent
  • In 2010, rates reached a peak of 7.79 percent
  • In 2015, the peak rate was 5.35 percent
  • In June of 2017, interest rates averaged 5.10 percent 

The above rates are national averages. Lower and higher rates are charged by different lenders. Some lenders today are charging less than 4 percent interest. The figures above nevertheless show a distinct downward trend in interest rates of well over 10 percent since 1990.  

While interest rates have fallen, house prices have risen by 7.2 percent per annum since the 1990s. Inflation doesn't account for the rise. Inflation in general has only been 2 to 3 percent per annum. According to the Reserve Bank of Australia, "the shift to a low inflation and low interest rate environment in the early 1990s greatly increased household access to finance." This in turn led to increased demand for housing and increased housing prices.

Australian housing interest rates 

The Australian dollar is low compared to other currencies. This has resulted in overseas investors purchasing Australian properties. According to an article in the Sydney Morning Herald, Chinese investors are buying apartments in Sydney and Melbourne and account for 80 percent of foreign investment in Australian real estate.  

The reason is because they see Australian property as a cheap investment. In Shanghai, a two-bedroom apartment costs $900,000, which is 25 percent higher than the price of an equivalent apartment in Sydney. While rental returns in Shanghai are only 1.5 percent, Chinese investors can realise larger returns on their Sydney apartments.  

The Chinese government recently restricted the outflow of money in foreign investments, but the results of that are yet to be seen.  

Is the Housing Bubble About to Burst?  

In 2011, we published Interest Rates, Housing and the Economy: HIA Forecasts 2011. Housing Industry Association (HIA) Senior Economist Andrew Harvey suggested there might be a slowdown in the housing market then. "With the increasingly weak building outlook, this is only going to get worse and will place further upwards pressures on both prices and rents," he said.  

Throughout Australia, prices have continued to rise. More recently, there has been more volatility in the Australian housing market. In Sydney, Melbourne and Hobart, prices have risen over 3 percent between the December quarter of 2016 and the March quarter of 2017. Brisbane has remained flat, while prices have fallen slightly in Darwin and Perth. On average, though, prices have risen by 2.2 percent in Australia's capital cities in the same period.  

Even the experts are divided on the issue. Some say the bubble will burst while others think prices will remain relatively stable. What does the average Australian think? We did a survey of of hipages subscribers and they may have come to some of the most reasonable solutions to the problem: 

  • 20 percent said stamp duty should be reduced or abolished
  • 17 percent felt there should be more control over foreign investment
  • 12.2 percent said negative gearing should be reduced or abolished

They also suggested making regional centres more accessible. Australia's population is condensed in the major cities, but large areas of coastal Australia remain relatively unpopulated. If Australians were able to live in regional centres, perhaps real estate prices wouldn't be as high. This is certainly true in many regional centres, but many Australians can't find employment in these areas.  

Most people feel the rise in property prices is unsustainable. Generations X and Y are having a particularly hard time finding affordable housing. They can't save 10 or 20 percent to purchase a home in Sydney or Melbourne, so are looking further afield for housing. It's understandable. If wages had kept up with housing prices, the average income in Australia today would be $162,000 per year.  

No one has a crystal ball, but clearly something needs to be done to protect the Australian housing market. If interest rates go up, many Australians will be forced to foreclose on their properties and we will face the same scenario the United States faced in 2008. How long interest rates remain low is yet to be seen, but we have to hope for the best and plan carefully before purchasing a house.  

Getting a fixed interest mortgage while interest rates are low may be one solution. According to most economists, getting a short term interest only mortgage is the worst solution. It may allow you to get into the housing market, but if prices fall, you will be stuck with interest and principal payments in the future and may not be able to afford to sell or pay your mortgage.


          Personal Banking Specialist - ATB Financial - Fort McMurray, AB   
So what can ATB Financial offer you? We asked Jonathan and Maria about their roles and why they love working at ATB....
From ATB Financial - Tue, 27 Jun 2017 22:22:34 GMT - View all Fort McMurray, AB jobs
          Operations Administrator (Portfolio Support) - ATB Financial - Calgary, AB   
So what can ATB Financial offer you? Helping Albertans achieve their dreams by turning the complex world of banking into brilliantly simple solutions....
From ATB Financial - Fri, 30 Jun 2017 22:26:15 GMT - View all Calgary, AB jobs
          Part Time Remote Service Advice Specialist, Customer Care Centre - ATB Financial - Calgary, AB   
Read the ATB story :. So what can ATB Financial offer you? At ATB we call anywhere in Alberta home. Here at ATB, we carry the outrageous belief that banking can...
From ATB Financial - Mon, 26 Jun 2017 22:21:33 GMT - View all Calgary, AB jobs
          Customer Service Representative - ATB Financial - Strathmore, AB   
So what can ATB Financial offer you? You are responsible for providing face-to-face core transactional banking services to ATB customers....
From ATB Financial - Mon, 26 Jun 2017 22:21:32 GMT - View all Strathmore, AB jobs
          Customer Service Representative - ATB Financial - Airdrie, AB   
So what can ATB Financial offer you? You are responsible for providing face-to-face core transactional banking services to ATB customers....
From ATB Financial - Mon, 26 Jun 2017 22:21:32 GMT - View all Airdrie, AB jobs
          Credit Assistant - ATB Financial - Calgary, AB   
So what can ATB Financial offer you? Helping Albertans achieve their dreams by turning the complex world of banking into brilliantly simple solutions....
From ATB Financial - Wed, 28 Jun 2017 22:23:39 GMT - View all Calgary, AB jobs
          Sr. Team Lead - Retail Collateral Management - ATB Financial - Calgary, AB   
So what can ATB Financial offer you? Strong knowledge of ATB banking day-to-day practices, business rules and system....
From ATB Financial - Fri, 23 Jun 2017 04:18:14 GMT - View all Calgary, AB jobs
          Personal Banking Specialist, Customer Care Centre - ATB Financial - Calgary, AB   
So what can ATB Financial offer you? Helping Albertans achieve their dreams by turning the complex world of banking into brilliantly simple solutions....
From ATB Financial - Thu, 22 Jun 2017 22:17:38 GMT - View all Calgary, AB jobs
          Fanning the Flames of Optimism   

By Barbara McMurray, Special to the Independent In fall 2004, Laguna Beach resident Christine Casey, a retired banking executive, fulfilled a lifelong dream with a three-month trip to Nepal.  As her group walked through poor villages, she was appalled at the sight of sick, starving, neglected childr...

The post Fanning the Flames of Optimism appeared first on Laguna Beach Local News.


          Digital Labor Defined and Applied in Auto Finance   
Digital labor technologies, like robotic process automation (RPA) and artificial intelligence (AI) have the potential to transform the delivery of processes in the front, middle, and back offices of financial institutions. While 44% of enterprise global banking, financial services, and insurance global enterprises surveyed by HfS and KPMG planned onRead More
          Citrus Global: Financial Services Auditor Required   
Competitive: Citrus Global: My client is a multinational private banking institution that offers a range of services from private and commercial banking to investment products... Germany or Switzerland
          Comment on Beyond Capitalism – Albert Einstein, 1949 by 12barblueboy   
I like Einstein better as a scientist than an advocate of socialism. He's right about the concentration of wealth, but I believe that has occurred not spontaneously but by design through the PRIVATE central banking system used in almost every country in the world. Individuals and nations are enslaved by non-payable debt. The US Constitution is a very good framework that has been violated by the creation of the Federal Reserve and the implementation of the income tax. All the technological innovations of the last centuries should have lead to more leisure time and less work for people. But through inflation, boom bust cycles, artificial interest rates, we are losing ground to the NWO. I see a day when cash is outlawed so every transaction can theoretically be taxed. But I'm hopeful that individual spirit, initiative, and cooperation among freedom loving people will develop a barter system to circumvent this tyranny. Americans are fiercely defensive of their second amendment rights and they need them now more than ever.
          Examining the Charges of Fraud Against Barclays   

On June 20, it was revealed that the former chief executive of Barclays, John Varley, and three of the bank’s former senior executives had been charged by the United Kingdom’s Serious Fraud Office (SFO).

The post Examining the Charges of Fraud Against Barclays appeared first on International Banker.


          Interview with Aelred Fokwen, Director of Marketing & Communications, National Financial Credit Bank   

NFC Bank aims to make life easy for its customers in the Central African country of Cameroon. In a complex and demanding world, this is a tall order, but as Aelred Fokwen explains, NFC has been remarkably successful, drawing in many members of the country’s enormous population of previously unbanked who benefit from the bank’s commitment to branch expansion and digital solutions.

The post Interview with Aelred Fokwen, Director of Marketing & Communications, National Financial Credit Bank appeared first on International Banker.


          St. Louis West - Relations Banker - Bank of America - Fenton, MO   
Customer’s banking, small business, mortgage and investment needs). Demonstrate initiative, a commitment to continuous learning, and the ability to adapt to...
From Bank of America - Fri, 24 Mar 2017 20:59:00 GMT - View all Fenton, MO jobs
          Relationship Banking Specialist I, II, III - MB Financial - Bensenville, IL   
Individual retirement plan accounts; Or a high school diploma or general education degree (GED) with:. Focuses on individual and department goals for revenue...
From MB Financial - Thu, 13 Apr 2017 21:49:58 GMT - View all Bensenville, IL jobs
          Senior Audit and Controls Specialist (Commercial Banking) - Meridian Credit Union - Remote   
This position will primarily perform audits of operational and lending functions within Meridian’s Delivery team (Retail Branch, Small Business, Commercial...
From Meridian Credit Union - Wed, 05 Apr 2017 20:00:16 GMT - View all Remote jobs
          Early Adopters Enjoy Branchless Banking but Represent Only a Fraction of Retail Bank Deposits, J.D. Power Finds   

Direct banks are emerging as an increasingly significant threat to traditional banks. These institutions, which lack a physical bank branch, are scoring high marks for customer satisfaction, advocacy and loyalty, according to the J.D. Power 2017 U.S. Direct Banking Satisfaction Study. In fact, overall satisfaction scores for direct banks are higher than those for traditional retail banks, though they currently represent just 6% of total bank deposits in the United States.


          iOS Developer - IQ Hunt - Toronto, ON   
This role is Toronto based in Financial Services and projects are all largely in the digitization of financial services or in digital banking - essentially,
From IQ Hunt - Wed, 21 Jun 2017 19:08:03 GMT - View all Toronto, ON jobs
          LMForums, With Help from the London Insurance Market, Raises Over £8,000 for the Haven House Children's Hospice   
LONDON, June 29, 2017 /PRNewswire/ -- Over 100 Executives, practitioners and industry suppliers gathered at the prestigious Banking Hall in the City of London last Tuesday evening, 20th June 2017, for a spectacular Charity Fashion Gala and Auction, to help raise funds for the Haven...
          Financial Services Representative-Universal Banker - CIBC - Toronto, ON   
CIBC is a leading Canadian-based global financial institution. Through our three major businesses – Retail and Business Banking, Wealth Management and Capital
From CIBC - Wed, 28 Jun 2017 19:40:51 GMT - View all Toronto, ON jobs
          Kerala water bill online payment   
KWA ( Kerala Water Authority ) - Online water bill payment

KWA has made the bill payment through online now. The water bill payment is very easy now through internet. http://www.kwa.kerala.gov.in/

Select Consumer Number or Consumer Id in the application for Bill payment


Kerala, the ‘God’s Own Country’, lies in the extreme Southern part of India. It has an area of 38863 sq.km and a population of 3.18 crores. Kerala Water Authority, on behalf of Government of Kerala is entrusted with the task of providing quality drinking water and sewage services in an eco friendly and sustainable manner to the people of the State.
Kerala Water Authority (KWA) is responsible for the design, construction, execution, operation and maintenance of most of the water supply schemes and also for the collection and disposal of the waste water in the State of Kerala.
The Kerala Water Authority (KWA) has introduced an online bill payment facility

To facilitate online payment, one has to register on the Kerala Water Authority e-Payment Service website using the ‘Consumer ID’ and ‘Consumer Number’ given on the water bill. The payments can be made through Credit / Debit Cards or through existing Bank accounts as the service has been integrated with Billdesk.com. An additional charge of Rs.10/- per transaction will be levied for net banking or 2% of the transaction value for Credit Cards
KWA Kerala water bill consumer number


          Property Tax in Chennai    

Property Tax

In respect of property tax collection it was proposed applying extensive use of information technology initiating people friendly among the Revenue Department Officials at all levels.

Property tax collection shall be collected through Online and offline mode. In Online mode, we shall effect collection through internet Banking credit card and counter payment at zonal offices of Chennai Corporation.

In the offline mode, takes shall be collected through Electronic Clearing Scheme (ECS) and walk-in-payment facility in the following Banks.

ICICI, I.B., IDBI., HDFC., Dhanalakshmi Bank, UTI Bank and SBI. Both these facilities again shall be semi-online nature.

The collection of property tax when compare to last 10 years it is always in upward Trend.

Profession Tax


  • Individuals
  • Private Establishment
  • Salaried People (Central and State Govt.)
  • Company
Every Company transacts business and every person who is engaged actively or otherwise in any Profession, Trade, Calling and Employment with the Chennai Corporation city limits has to pay half-yearly Profession Tax, as per section 138C of Tamilnadu Municipal Laws Second Amendment Act 59 of 1998. The tax rates are given below in the table in Form-2. for assessment of Profession Tax has to make an application for registration. The Corporation of Chennai will assign a permanent number in the style of PTNAN.

Based on the gross income declared by the Half Yearly Profession Tax will be calculated as per the Table given below:
Sl.No. Average half yearly Income From To Half yearly Profession Tax
1 Upto Rs.21,000/- - NIL
2 Rs.21,001,/- to  Rs.30,000/- - Rs.100/-
3 Rs. 30,001/- to  Rs.45,000/- - Rs.235/-
4. Rs.45,001/- to  Rs.60,000/- - Rs.510/-
5 Rs.60,001/- to  Rs.75,000/- - Rs.760/-
6 Rs. 75,001/- and above - Rs.1095/-

Company Tax

The assessment and collection of Company Tax are coming under the Provisions of tax section 110 and Schedule IV of the C.C.M.C. Act 1919.

If the Council by a resolution determine that a tax on companies shall be levied, every company which, after the date specified in the notice published under sub-section(2) of section 98-A transacts business within the city any half year not less then sixty days with aggregate shall pay, in addition to any licence fee that may be leviable under this Act, a half yearly tax assessed in accordance with the rules Schedule-IV, but in no case exceeding rupees one Thousand.
 
Assessment of Companies (See section 110)
Companies shall be assessed by the Commissioner on the following scale:
  Paid-up capital Lakhs of rupees Half-yearly Tax (Rs.)
A. Less than one 100
B. One and more than one, but less than two 200
C. Two and more than two, but less than three 300
D. Three and more than three, but less than five 400
E. Five and more than five, but less than ten 500
F. Ten and above 1000
Provided that any company, the head or a principal office of which is not in the city and which shows that its gross income received in or from the city in the year immediately preceding the year of taxation:
(a) has not exceeded Rs.5,000 shall pay only 25 rupees per half-year.
(b) has exceeded Rs.5,000 but has not exceeded Rs.10,000 shall pay only 50 rupees per half-year:
(c) has exceeded Rs.10,000 but and has not exceeded Rs.20,000 shall pay only 100 rupees per half-year.
(d) has exceeded Rs.20,000 shall pay per half year 100 rupees together with a sum calculated at the rate of 25 rupees per half year for every 5000 rupees of part thereof of gross income in excess of Rs.20,000 subject to a maximum half-yearly tax of 1,000 rupees.
Provided further that when a company, the head or a principal office of which is not in the city becomes liable to tax for the first time, it shall pay in the first year at tax of 25 rupees; but if the gross income of the company during such year is subsequently found to have exceeded 5,000 rupees, it shall pay the tax calculated in accordance with the above mentioned scale less the initial payment of 25 rupees.

Trade Licence:

All the licenceable trades have been booked and collected Licence fees with Conservancy charges. After observing all formalities licence fees were collected and licence issued to the licencees. Accordingly 29046 licencees have paid Rs.6.04 crore towards licence fees for the year 2011-2012 and got the licences.

Payment of Tax

  • Property tax shall be paid within 15 days form the Commencement of the Half Year.
  • Payment can be made in all Zonal Offices and at Ripon Building by Cheque or D.D. in favour of Revenue Officer, Corporation of Chennai.
  • Payments can also be made in designated Branches of IOB/MCC Bank in each ward.
  • Payment can be made Online by visiting the web site of Chennai Corporation (http://www.chennaicorporation.gov.in) and also through S.B.I., Indian Bank, ICICI Bank, IDBI, Dhanalakshmi Bank, UTI, HDFC Banks. Payments also can be made through credit cards.
  • Payments can also be made by subscribing to the services of Bill Junction and Bill Desk.
  • Payments can be made by subscribing to the Electronic Clearance Scheme by submitting mandate Form.

          ABOVE AVERAGE IS OVER:   
Will Robots Rule Finance? (Nafis Alam, Sunway University and Graham Kendall, University of Nottingham | June 29, 2017, Discover)

According to consulting firm Opimas, in years to come it will become harder and harder for universities to sell their business-related degrees. Research shows that 230,000 jobs in the sector could disappear by 2025, filled by "artificial intelligence agents".

Are robo-advisers the future of finance?

Many market analysts believe so.

Investments in automated portfolios rose 210 percent between 2014 and 2015, according to the research firm Aite Group.

Robots have already taken over Wall Street, as hundreds of financial analysts are being replaced with software or robo-advisors.

In the US, claims a 2013 paper by two Oxford academics, 47 percent of jobs are at "high risk" of being automated within the next 20 years - 54 percent of lost jobs will be in finance.

This is not just an American phenomenon. Indian banks, too, have reported a 7 percent decline in head count for two quarters in a row due to the introduction of robots in the workplace.

Perhaps this is unsurprising. After all, the banking and finance industry is principally built on processing information, and some of its key operations, like passbook updating or cash deposit, are already highly digitized.

Now, banks and financial institutions are rapidly adopting a new generation of artificial intelligence-enabled technology (AI) to automate financial tasks usually carried out by humans, like operations, wealth management, algorithmic trading and risk management.

          Business Setting-Up a Lending Bank   
[0] Question by CDobyns on 05/17/13 7:49 PM Replies: 5 Views: 1,036
Tags: Loans, Banking, Lending, Private Bank, Banking Regulations
Last Post by CDobyns on 05/30/13 9:10 PM
          Shopping Around For Loans   
[+3] Question by Brandon9000 on 08/11/12 2:22 PM Replies: 10 Views: 4,042
Tags: Finance, Loans, Banking, Mortgage, Home Ownership
Last Post by Brandon9000 on 10/19/12 5:18 AM
          Buchead Irrigation and Lawn Sprinkler Repair   

Thanks go out to all our new customers in the banking business for the winterization work we have recieved in the past few weeks. With all of the foreclosed homes in Atlanta area, it has been a task. So many people with foreclosed homes in Atlanta that do not get the irrigation system winterized this year, […]

The post Buchead Irrigation and Lawn Sprinkler Repair appeared first on Atlanta Sprinklers 770-900-9862.


          Banking statistics   
none
          Comment on Sweden Gives Returning ISIS Fighters New Identities to Help Them “Start Over” by kevin a   
http://www.breitbart.com/london/2017/06/29/banking-giant-tells-clients-brexit-wrangling-will-bring-down-the-government/
          Reply #1007   
Banking on 066, 160, 600... still looking for them to drop in NY!!!! Yummy
          Universal Operations Specialist- Great Neck- Queens/L.I., NY   
NY-Great Neck, Universal Operations Specialist- Great Neck- Queens/L.I., NY-1705208 Description As a member of Santander’s retail banking division you’ll help serveSantander’s retail and small business customers as part of one of the top banksin the United States based on deposits. With principal presence in thenortheast U.S., Santander’s retail division offers consumer and lendingproducts to help our customers
          Universal Operations Specialist- UN Plaza, Manhattan, NY   
NY-Manhattan, Universal Operations Specialist- UN Plaza, Manhattan, NY-1705463 Description As a member of Santander’s retail banking division you’ll help serveSantander’s retail and small business customers as part of one of the top banksin the United States based on deposits. With principal presence in thenortheast U.S., Santander’s retail division offers consumer and lendingproducts to help our customers reac
          Personal Banking Representative - West Chester   
PA-West Chester, Personal Banking Representative - West Chester-1705432 Description As a member of Santander’sretail banking division you’ll help serve Santander’s retail and small businesscustomers as part of one of the top banks in the United States based ondeposits. With principal presence in the northeast U.S., Santander’sretail division offers consumer and lending products to help our customersreach their fin
          Business Banking Relationship Manager -   
MA-Attleboro, Business Banking Relationship Manager -1705531 Description Responsible for thesales, service and retention of SME deposit and credit customers with revenue$3mm-$25mm. Incumbents are responsible for new business development, portfoliomanagement, credit quality and overall relationship management of an assigned portfolioof customers. Requires some supervision and guidance from more seniorRelationshi
          Financial Consultant   
NJ-Freehold Borough, Financial Consultant-1705491 Description As a member of Santander’s retail banking division you’ll help serve Santander’s retail and small business customers as part of one of the top banks in the United States based on deposits. With principal presence in the northeast U.S., Santander’s retail division offers consumer and lending products to help our customers reach their financial goals. Santand
          Teller (Full-Time) - Metro North Philadelphia - Cedarbrook Branch   
PA-Wyncote, Teller (Full-Time) - Metro North Philadelphia - Cedarbrook Branch-1705401 Description As a member of Santander’sretail banking division you’ll help serve Santander’s retail and small businesscustomers as part of one of the top banks in the United States based ondeposits. With principal presence in the northeast U.S., Santander’sretail division offers consumer and lending products to help our custo
          Relationship Banker-East Providence, RI   
RI-East Providence, Relationship Banker-East Providence, RI-1705534 Description As a Relationship Banker with Santander’s Consumer and Business Banking division you will be given the unique opportunity to jump-start a career in financial services with a global industry leader. To assist you on your path you will be provided the opportunity to obtain the Series 6, 63, Life & Health Licenses. Your first 11 weeks with S
          Relationship Banker-Worcester Area-Holden, MA   
MA-Holden, Relationship Banker-Worcester Area-Holden, MA-1705537 Description As a Relationship Banker with Santander’s Consumer and Business Banking division you will be given the unique opportunity to jump-start a career in financial services with a global industry leader. To assist you on your path you will be provided the opportunity to obtain the Series 6, 63, Life & Health Licenses. Your first 11 weeks
          Relationship Banker-Worcester Area-Holden, MA   
MA-Holden, Relationship Banker-Worcester Area-Holden, MA-1705536 Description As a Relationship Banker with Santander’s Consumer and Business Banking division you will be given the unique opportunity to jump-start a career in financial services with a global industry leader. To assist you on your path you will be provided the opportunity to obtain the Series 6, 63, Life & Health Licenses. Your first 11 weeks
          CSC Specialist II   
PA-Reading, CSC Specialist II-1704507 Description [POSITION SUMMARY] Candidate is responsible for providing consistent high quality customer service to Santanders consumer banking customers via the telephone. Accurately responds and educates customers on inbound service and sales inquiries. Strengthens the customer relationship, effectively identifies customer needs, resolves issues and provides an experience
          CSC Specialist II   
PA-Reading, CSC Specialist II-1704687 Description [POSITION SUMMARY] Candidate is responsible for providing consistent high quality customer service to Santanders consumer banking customers via the telephone. Accurately responds and educates customers on inbound service and sales inquiries. Strengthens the customer relationship, effectively identifies customer needs, resolves issues and provides an experience
          CSC TIER 2 Support Specialist   
PA-Reading, CSC TIER 2 Support Specialist-1705072 Description [POSITION SUMMARY] This Specialist will serve as a universal resource to provide the highest quality service and support to the Soft Landing team and Manager. Demonstrates superior knowledge of Santander products and services including deposit, loans, credit cards and online banking. Ensures CSRs consistently adhere to bank policies and procedures,
          CSC Specialist II   
PA-Reading, CSC Specialist II-1704688 Description [POSITION SUMMARY] Candidate is responsible for providing consistent high quality customer service to Santanders consumer banking customers via the telephone. Accurately responds and educates customers on inbound service and sales inquiries. Strengthens the customer relationship, effectively identifies customer needs, resolves issues and provides an experience
          CSC Specialist II   
PA-Reading, CSC Specialist II-1705359 Description [POSITION SUMMARY] Candidate is responsible for providing consistent high quality customer service to Santanders consumer banking customers via the telephone. Accurately responds and educates customers on inbound service and sales inquiries. Strengthens the customer relationship, effectively identifies customer needs, resolves issues and provides an experience
          Reply #837   
LMAO at GOLGO13...it would take hitting the 000 for at least $100 to buy The Bahamas.

Lemme see the last time I checked the The Bahamas was STILL one of the wealthiest Caribbean countries with an economy built on tourism and offshore banking, STILL $1 to $1 on par with the USA (only The Bahamas and Cayman can claim this!) with a GDP of more that 9 billion...

Btw, it's 78F today so I'm sitting outside in patio garden sipping on something tropical with an umbrella in it
          Agribusiness Analyst - Wagga Wagga   
NSW-Wagga Wagga, Our client is seeking an experienced Agribusiness Banking Analyst to support the Senior Relationship Manager based in the Riverina region of New South Wales. The successful candidate will be assisting the Relationship Manager in maintaining customer relationships through conversations across the full spectrum of your customers banking needs; from cash flow, to lending, to payments. Key responsibil
          Relationship Manager (Small Business) SA   
SA-Adelaide, Our client is currently seeking an experienced Relationship Manager with exposure to Business Banking to join their highly successful team. As the Relationship Manager, you will be responsible for developing and strengthening customer relationships by providing personalised solutions across a wide range of banking products and services. As the ideal candidate, you will have: • Strong relationship
          Senior Business Banking Manager - VIC   
VIC-Melbourne, Our client is currently seeking an experienced Business Banker to join there highly successful team. As the Senior Business Banking Manager, you will you will be passionate about developing and strengthening customer relationships by providing personalised solutions from a wide range of banking products and services. The ideal candidate will have: • Strong relationship management and business deve
          Relationship Manager (Small Business) SA   
SA-Adelaide, Our client is currently seeking an experienced Relationship Manager with exposure to Business Banking to join their highly successful team. As the Relationship Manager, you will be responsible for developing and strengthening customer relationships by providing personalised solutions across a wide range of banking products and services. As the ideal candidate, you will have: • Strong relationship
          Mobile Lending Manager Perth   
WA-Perth, Our client, a large Australian owned financial services institution has plans to grow exponentially over the coming months. They have engaged us to identify a number of self-driven individuals with excellent business development and rapport building skills to join their successful team as Mobile Banking Managers. As the ideal candidate you will have: • Proven experience within the Banking and Fina
          Lloyds bank pays HBOS fraud victims £35,000 in living expenses   

Bank issues one-off payments as goodwill gesture to cover day-to-day costs as Lloyds admits formal compensation process is taking longer than expected

Lloyds Banking Group has issued one-off payments of £35,000 each to victims of the fraud in its HBOS Reading branch after missing Friday’s deadline to make formal compensation offers.

The number of victims has risen to 67 small business customers from 64 as more have stepped forward since January when six financiers were jailed for their roles in the fraud, which took place before Lloyds rescued HBOS in 2008 at the height of the financial crisis.

Continue reading...
          Teller Coordinator 1 or 2 FT (40 Hours) Colonial Plaza   
SunTrust Banks - Orlando, FL - Teller Coordinator 1 or 2 FT (40 Hours) Colonial Plaza-W438951 Description Our Branch Banking Teammates are often the first to meet new... solutions they need to help them reach their financial goals. In addition to completing complex Teller transactions, performs functions...
          Teller 2, 3 - Full Time - Greenbelt   
SunTrust - Bowie, MD - Teller 2, 3 - Full Time - Greenbelt-W440835 Description Our Branch Banking Teammates are often the first to meet new clients and the... according to established guidelines (complexity of transactions performed varies by Teller level) Identify referral opportunities and makes appropriate referrals...
          Teller 2 or 3 - Full Time - Clinton Woodyard   
SunTrust - Bowie, MD - Teller 2 or 3 - Full Time - Clinton Woodyard-W440840 Description Our Branch Banking Teammates are often the first to meet new clients... according to established guidelines (complexity of transactions performed varies by Teller level) Identify referral opportunities and makes appropriate referrals...
          Teller   
Huntington - Akron, OH - Job Title Teller Location Options for this Opening 2700 W Market St, Fairlawn, Ohio 44333 Requisition Number 17193 Full-Time... beyond its core states. Visit huntington.com for more information. As a Teller, you will be exposed to a solid foundation to launch your banking career...
          Electronic Banking Specialist - Bank of Eastern Oregon - Heppner, OR   
Postal Service rules, regulations, and rates. Arrange maintenance service on the postal machine/stuffer as needed. Electronic Banking Specialist.... $15.67 - $18.43 an hour
From Bank of Eastern Oregon - Wed, 28 Jun 2017 04:48:33 GMT - View all Heppner, OR jobs
          Client Services Representative/Bilingual   
City, London nocompany

Client Services Representative/Bilingual sought by leading Financial Services organisation based in London.

Prime Services Representative 

As a liaison to our institutional clients, the candidate is responsible for providing unparalleled client service to our existing and prospective clients. This includes hedge funds, financial advisors, proprietary trading firms, banks and brokers. Our aim is to build and maintain long-term customer relationships while providing a seamless onboarding process for new clients as we expand our global product and service offerings. 

Experience (essential):

Act as primary service contact to top-tier clients, including hedge funds, financial advisors, broker-dealers, and exchanges.

Fluent English mandatory; German, Hebrew, Arabic a plus

Working knowledge of various exchange operations and regulations, product offerings and specifications, execution platforms and rules, and margin methodologies.

Resolve routine and complex client service issues in a thorough and expeditious manner, utilizing sound judgment with an emphasis on courtesy.

Client inquiries typically encompass a broad array of themes including: 

Operability of our Trader Workstation, Web Trader and Mobile Trader execution platforms including trading modules and analytical tools; Cash deposit and withdrawal activity, position transfers, and account administrative functions. 

Product availability and attributes; Exchange, clearing and depository functions; Order types and routing logic; Order status, trade and delivery settlement, exercise & assignment, expiration processing, and corporate actions.

Margin calculations; Commission structure, interest and fee.

Please apply within for further details or call

George Cave
Harvey Nash Finance & Banking



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          Account Specialist – Bookkeeping and Accounting - Mulrooney & Associates Incorporated - Kitchener, ON   
Government filings and banking. Computer proficient in Microsoft Office Suite, Office 365, Drop Box, Google Drive, CCH iFirms....
From Indeed - Wed, 31 May 2017 14:25:17 GMT - View all Kitchener, ON jobs
          Finanz-Apps: Online-Banking geschieht am häufigsten auf der Couch    

          "This station is now the ultimate power in the universe!"   
It's a Trap: Emperor Palpatine's Poison Pill by Zachary Feinstein [.PDF]
In this paper we study the financial repercussions of the destruction of two fully armed and operational moon-sized battle stations ("Death Stars") in a 4-year period and the dissolution of the galactic government in Star Wars. The emphasis of this work is to calibrate and simulate a model of the banking and financial systems within the galaxy. Along these lines, we measure the level of systemic risk that may have been generated by the death of Emperor Palpatine and the destruction of the second Death Star. We conclude by finding the economic resources the Rebel Alliance would need to have in reserve in order to prevent a financial crisis from gripping the galaxy through an optimally allocated banking bailout.
via: Popular Science
In this case study we found that the Rebel Alliance would need to prepare a bailout of at least 15%, and likely at least 20%, of GGP [Gross Galactic Product] in order to mitigate the systemic risks and the sudden and catastrophic economic collapse. Without such funds at the ready, it likely the Galactic economy would enter an economic depression of astronomical proportions.

          Information Security Risk Analyst   
CA-Santa Maria, Rabobank N.A. is an award-winning, full-service bank serving California communities grounded in agriculture. With more than $14 billion in assets, Rabobank provides a wide range of financial products and services for individual, business, and food and agribusiness customers. Multi-function ATMs at approximately 100 branches, and online and mobile banking resources empower Californians to bank when
          Call Center Representative   
CA-Santa Maria, Rabobank N.A. is an award-winning, full-service bank serving California communities grounded in agriculture. With more than $14 billion in assets, Rabobank provides a wide range of financial products and services for individual, business, and food and agribusiness customers. Multi-function ATMs at approximately 100 branches, and online and mobile banking resources empower Californians to bank when
          INDUSTRY’S VISION AND EXPERTISE WILL ENSURE SUCCESS OF THE NEW IMAGE CLEARING SYSTEM   
When about thirty of the great and the good from the banking sector in Dublin and Belfast come toget...
          Open Banking, the fuzzy period   
Like Captain Ahab at the start of the voyage, the banks are in a similar fuzzy period. Banks know Op...
          5 Tipps wie Sie Ihre Daten im Internet schützen können   
2017-06-29-1498716489-5851581-download1.jpg


Internet-Sicherheitsexperten können Ihre Kernbotschaft nicht oft genug wiederholen: In der heutigen Zeit wird es immer wichtiger, seine Daten im Internet bestmöglich vor Hackern und Phishing Attacken zu schützen. Denn immer öfter kommt es zu Datenklau, Kreditkartenbetrug oder dem Abgreifen von sensiblen Bankdaten. Außerdem werden manchmal auch private Fotos oder persönliche Nachrichten von unbefugten Personen angesehen und geklaut. Immer wieder ergaunern sogar kriminelle Netzwerke geheime Firmendaten oder andere wichtige Informationen, mit denen sich am Schwarzmarkt Geld verdienen lässt.

Doch obwohl viele Vorsichtsmaßnahmen effektiv und leicht umzusetzen sind, gibt es noch immer eine große Anzahl von Menschen, welche ihre online Profile und online Konten nur unzureichend schützt. Wir haben Ihnen deshalb fünf einfache Sicherheits-Tipps zusammengestellt. Wenn Sie die folgenden Maßnahmen umsetzen, können Sie innerhalb von wenigen Minuten Ihr Risiko ein Opfer einer Phishing-Attacke zu werden, erheblich minimieren. Wir raten Ihnen deshalb sich noch heute ans Werk zu machen und die folgende Liste durchzugehen und abzuarbeiten. Denn Vorsicht ist bekanntlich besser als Nachsicht.

Lesen Sie hier, wie Sie sich am besten vor fiesem Datenklau und Phishing Attacken schützen können:

1) Passwörter

Die Zeiten bei denen man Passwörter wie „1234" oder „Passwort", bedenkenlos verwenden konnte, sind lange vorbei. Genau genommen waren solche besonders leicht zu knackenden Passwörter nie eine gute Idee gewesen. Aber auch ganze Worte sollte man besser nicht verwenden. Denn es gibt Schadprogramme, welche bei der Passworteingabe in Sekundenschnelle das ganze Duden Wörterbuch durchgehen. Außerdem sollte man nicht ein und dasselbe Masterpasswort für alle Accounts verwenden. Insbesondere sensible Daten und Finanztransaktionen müssen mit besonders sicheren Passwörtern gesichert werden. Wir empfehlen deshalb für Online-Banking, Facebook, online Casinos oder Online-Shops immer unterschiedliche Passwörter zu verwenden.

Am sichersten sind Passwörter, welche eine Kombination aus kleinen und großen Buchstaben, Zahlen und Sonderzeichen beinhalten. Ein gutes und sicheres Passwort wäre zum Beispiel: „EiwhZaPzä!1!". Merken kann man sich ein solches Passwort am besten, in dem man es anhand der Anfangsbuchstaben eines Eselsbrücken-Satzes zusammenbaut. In unserem Fall wäre dieser Satz: „Es ist höchste Zeit alle Passwörter zu ändern!1!".


2) Email Sicherheit

Bei Emails von unbekannten oder suspekten Absendern sollte man immer ganz besonders vorsichtig sein. Kettenbriefe, Spaß-Mails und eindeutige Spam Emails sollte man am besten sofort ganz ungelesen löschen. Auf gar keinen Fall darf man auf unbekannte Email Attachments klicken oder diese gar herunterladen. Oft verbirgt sich hinter solchen Email-Anhängen eine unsichtbare Schadsoftware. Kettenbriefe mit „lustigen Power Point Präsentationen" können zur echten Gefahr für Ihre Datensicherheit werden. Vergessen Sie nicht, nach dem löschen auch den Papierkorb zu entleeren.


3) Betriebssystem

Es ist unerlässlich beim Betriebssystem Ihres Rechners immer auf den neuesten Stand zu bleiben. Denn viele Hacker versuchen Sicherheitslücken im System auszunutzen. Sobald die Softwarehersteller solche Betrügereien aber mitbekommen, sperren sie die Webseiten der Betrüger und geben wichtige Sicherheitsupdates heraus. Auch wenn es vielleicht manchmal mühsam ist, ist es auf jeden Fall wichtig seinen Computer in regelmäßigen Abständen auf Betriebssystem-Updates zu überprüfen und gegebenenfalls diese offiziellen Updates auch schnell zu installieren.


4) Ein guter Virenscanner

Ein funktionierendes Anti-Virus-Progamm ist für alle mit Windows Computern ein absolutes Pflichtprogramm. Aber auch für Leute mit einem Mac oder Linux Rechner kann sich ein Virenscanner lohnen. Viele Internetnutzer vergessen außerdem, dass auch die Smartphones und Tablets eine entsprechende Software benötigt. Glücklicherweise gibt es aber inzwischen auch schon einige kostenlose Virenscanner Programme und Apps, welche laut Testberichten fast genauso gut sind, wie die kostenpflichtigen Programme.


5) Unbekannte W-Lan Netze

Immer wieder kann es vorkommen, dass man unterwegs ist und plötzlich ein zuvor unbekanntes W-Lan Netz vom Handy ohne Passwort angeboten bekommt. Bevor Sie auf „Verbinden" klicken, sollten Sie sich aber vergewissern, dass der Anbieter dieses Netzes auch tatsächlich seriös ist. Denn eine offene Funkverbindung kann auch ein Einfallstor für fiese Viren und Datenklau-Schadsoftware sein. Verbinden Sie sich deshalb nur mit vertrauenswürdigen Netzen, und lassen Sie Vorsicht walten!

____

Lesenswert:




Leserumfrage: Wie fandet ihr uns heute?


2017-03-08-1488965563-6721107-iStock482232067.jpg


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          Two key home loan lenders change rates, one hiking its one year rate, the other cutting its one year rate. Background wholesale rates rise today   

Effective Saturday, July 1, 2017, New Zealand's largest home loan lender is raising its one year fixed mortgage rate.

Their one year 'special' will rise by +6 bps to 4.55%.

It's standard one year fixed rate will rise by the same amount to 5.05%.

ANZ's 'specials' are available to customers with at least 20% equity, an ANZ transactional account with salary direct credited, plus any ANZ credit card or insurance. 'Specials' are not available with any package discount plans.

At the same time, Kiwibank has advised that it will be decreasing its one year 'special' rate by -24 bps to 4.45%.

This Kiwibank move will be effective on Monday, July 3, 2017.

These shifts mean that the Kiwibank rate will be directly rate competitive with ASB who have the same one year rate. 4.45% is a market-leading level (apart from the HSBC Premier rate).

ANZ last changed its mortgage rates eight weeks ago by raising their fixed rates. They changed on May 19, 2017, when they raised all their rates for terms from 18 months to five years. At that time, they also changed term deposit rates, putting some short term ones down and some long term ones up. They have not announced any parallel term deposit changes this time (so far).

The last time Kiwibank changed mortgage rates was on March 9, 2017.

In the wholesale money markets, rates have been low for a long time and the two year swap rate has been at broadly the same level for at least 15 weeks, with most of the slippage to the current levels happening in the first quarter of the year. But over the past few days, there have been some notable rises, even if that only takes these wholesale rates back to levels they were at six weeks ago.

See all banks' carded, or advertised, home loan interest rates here.

Here is a snapshot of the fixed-term rates on offer from the key retail banks.

below 80% LVR 6 mths  1 yr  18 mth  2 yrs   3 yrs  4 yrs  5 yrs 
  % % % % % % %
4.99 4.55 5.15 4.85 5.59 5.89 6.09
ASB 4.95 4.45 4.70 4.74 5.09 5.49 5.69
5.35 4.59 5.05 4.74 5.09 5.89 6.09
Kiwibank 4.99 4.45   4.79 5.25 5.75 5.99
Westpac 5.25 4.59 5.15 4.85 5.09 5.89 5.59
               
4.80 4.59 4.75 4.85 5.25 5.65 5.85
HSBC 4.85 4.09 4.09 4.29 4.89 5.29 5.59
HSBC 4.99 4.59 4.85 4.85 5.25 5.65 5.85
4.85 4.55 4.75 4.49 5.15 5.65 5.79

In addition to the above table, BNZ has a fixed seven year rate which is 6.15%.

And TSB Bank still has a ten year fixed rate of 5.99%.


          A review of things you need to know before you go home Thursday; ANZ business outlook survey; the value of sunshine; insurer compliance; IMF on LVR; Australian household wealth; rates and NZD up   

Here are the key things you need to know before you leave work today.

MORTGAGE RATE CHANGES
No changes today.

DEPOSIT RATE CHANGES
No changes today.

BUSINESS OUTLOOK
ANZ Business Outlook Survey for June, out today, showed that a net 25% businesses are optimistic about the year ahead compared to 15% last month. A net 43% expected better times for their own business, up from 38% in May. While investment intentions, export intentions, profit expectations and pricing intentions were up, residential construction and expectations of ease of getting credit were lower.

THE VALUE OF SUNSHINE
Motu Economic and Public Policy Research Trust has published first of its kind research that tries to estimate the value sunshine expousure adds to a property. The premise is that a house with more sunshine has a higher value and Motu estimates that "each additional hour of direct sunlight exposure for a house per day, on average across the year, adds 2.4% to a dwelling’s market value." By attaching a value to sunlight exposure, the research may enable home owners, who lose sunlight exposure as a result a developments around their house, to receive monetary compensation.

IMF ON LVR
The International Monetary Fund (IMF) says that the Loan to Value ratio (LVR) limits imposed by the Reserve Bank have helped ease house prices but have not been sufficient in reducing the risk that borrowers face from rising interest rates or economic shocks that reduce household incomes. Other benefits of the LVR are lower mortgage lending by banks and more better-quality-loans being held on the bank's books.

INSURERS NEED TO UP THEIR GAME
A recent survey by the RBNZ showed that, from a sample of 36 of the 89 insurers, the overall level of compliance, in regards to disclosure rules around financial strength and solvency information, was well short of minimum requirements. 53% insurers comply at a low to poor level, 22% are performing well but there is room for improvement and only three demonstrated excellent level of compliance.

AUSTRALIAN HOUSEHOLD WEALTH
As per the latest Australian Bureau of Statistics data, Australian households have a combined net worth of AU$9.6 tln, which is made up of AU$6.6 tln of land and dwellings, AU$4.8 bln of financial assets and AU$2.3 tln of long term borrowings. In the March quarter, household assets outgrew households debt and resulted in a 2.4% increase in net worth. Total household net worth in New Zealand was about NZ$1.0 tln, with NZ$1.2 tln of assets and NZ$0.2 tln of liabilities. However, New Zealand numbers are only available as at June 2015.

FIFTH STRAIGHT DAY
The People's Bank of China has skipped open market operations for the fifth straight day, citing "relatively high" liquidity levels in the banking system and increasing fiscal expenditures near month end. Reversing repos will drain a net 60 bln yuan from the market.

WHOLESALE RATES RISE
Local rates are again higher and steeper, following global moves overnight. The 2 year rate was up +3 bps to 2.27%, 5 year was up +5 bps to 2.79% and 10 year was up +5 bps to 3.26%. The 90 day bank bill rate is up +1 bps to 1.96%.

NZ DOLLAR HIGHER
The NZD is higher than this time yesterday at 73.2 USc and has spent most of the day above the 73.0 USc level. On the cross rates we are trading at 95.7 AUc and at 64.3 euro cents. That takes the TWI-5 to 77.11.

 

You can now see an animation of this chart. Click on it, or click here.

Daily exchange rates

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Source: RBNZ
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          Senior Manager Banking Deposit and Payment Products, BMO Private Banking - BMO Financial Group - Toronto, ON   
Understands the cultural dynamics of the current state of an organization including the hidden assumptions and the difference between the stated values and the...
From BMO Financial Group - Wed, 14 Jun 2017 00:36:23 GMT - View all Toronto, ON jobs
          Banks need to take on Amazon and Google or die   
Some bankers and analysts think that Google, Facebook, Amazon or the like will not fully enter a highly regulated, low-margin business such as banking. I disagree. 

Eye on the Ball

What is more, I think banks that are not prepared for such new competitors face certain death.

Technology has already transformed many industries. Next in line is banking. In two or three years, only 5 per cent of consumer interaction will be through branches.

The rules have changed and a new league of competitors is emerging.

Continue reading in the FT
Banks need to take on Amazon and Google or die

+Bob DeMarco

          A Nonsurprise Shakes Markets   
clipped from blogs.wsj.com

By Neelabh Chaturvedi

Oddly, well-telegraphed events continue to rattle markets.

This Thursday the European Central Bank’s extraordinary €442 billion 12-month liquidity facility expires. That’s been known for some time, but that hasn’t stopped investors from getting skittish as the day approaches. German bunds are rallying, stocks are selling off and the euro is falling.

In addition, three-month Euribor, a key interbank lending rate, was set at 0.761% Tuesday, its highest level since Sept. 2009, and the yield on the U.S. 10-year Treasury fell below 3%, highlighting the nervousness in the market.

“Risk aversion is in the ascendancy. Concerns about the European banking system ahead of the expiration of the ECB 12-month liquidity facility on Thursday is weighing on the market. Fears of a faltering Chinese economy are also creating negative sentiment,” said Markit’s Gavin Nolan.

 blog it
Original content Bob DeMarco, All American Investor

          Java/J2EE Developer - Morgan Stanley - Montréal, QC   
Perl and Shell Scripting (such as ksh). Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities,...
From Morgan Stanley - Thu, 22 Jun 2017 18:09:16 GMT - View all Montréal, QC jobs
          This Mobile Payment Platform Has Become The Apple Wallet Of Brazil   
I spoke with RecargaPay Founder and CEO Rodrigo Teijeiro about the vision behind his company, navigating a developing economy and defining the future of mobile banking in Brazil.
          The Infinite Kind Moneydance v2017.3.1620 (Mac/Lnx)   
The Infinite Kind Moneydance v2017.3.1620 (Mac/Lnx) | 723 MB Simplify your finances with Moneydance, the groundbreaking personal finance manager! Whether you want to organize your finances, manage your budget, track your portfolio, or just automatically balance your checkbook, Moneydance is the solution for you. Moneydance's simple, intuitive interface makes taking care of your finances a breeze. Save time and money with online banking and bill payment. Moneydance makes it easy to set and trace budgets, and reminds you of upcoming bills to keep you up-to-date.
          "China Faces Its Comeuppance" - Kyle Bass Warns Of "Tectonic Shift" In US Relationship   

Hayman Capital's Kyle Bass ventured on to CNBC this morning to drop some painful truth bombs about Trump's "drastically changed Chinese diplomacy" and China's looming "come-uppance."

Bass began by highlighting what he calls a "tectonic shift" in US-China relations in the last few days, pointing to two crucial events...

1. Things changed drastically when US launched unilateral sanctions on China over North Korea...

"Xi is a control freak and he absolutely doesn't appreciate the United States acting unilaterally"

2. Things escalated when Trump sold $1.4bn in weapons to Taiwan, angering Beijing more as Bass notes:

"Taiwan was the one area which Beijing has asked Trump to stay away from during his meeting at Mar-a-Lago."

 

"Since the death of Otto Warmbier, any chance of meetings with North Korea are now off.. and our diplomatic relationship with China took a major step for the worse yesterday."

Bass notes that "China is trying to make marginal changes in its balance of trade with US - buying beef once again and importing a lot more crude oil from the US."

But then Bass shifts to the potentially even more precarious situation under the hood of China's economy. As Reuters reports, China's leaders want the restructuring of their massive non-performing loans problem to address financial risks while avoiding big employee lay-offs, and have instigated 'cure by committee'...

"The solution for zombie firms isn't just bankruptcy," a Shandong-based banking official told Reuters. "The impact of bankruptcy is just too big. Just think about the thousands of workers. Social stability is key."

 

Stability is always uppermost in the minds of Chinese leaders, and even more so this year, ahead of the five-yearly party congress this autumn, when a new generation of senior leaders will be selected.

 

"China is avoiding the crisis of calling in loans that can't be repaid anyway," said Paul Gillis, professor of accounting at Peking University's Guanghua School of Management. "This buys time to do things in an orderly way."

But Bass makes the crucial point that there are over 12,800 credit committees in China right now - overseeing CNY 14.5 trillion in debt for equity swaps - which is 8% of China's total non financial debt, and is over 3x the official NPL figure of 1.6%-1.9% of GDP.

His final blow to any hopes that this solution will work...

"This exceeds all the equity in the entire Chinese banking system."

However, Bass's final warning of the endgame of this credit bubble is far more ominous, because all of the new-found economic confidence and military condidence is "based upon a massive credit expansion and they're going to have a comeuppance..."


          For Banks, Platformification and Customer Service are Key to Survival   
This week, we’re proud to be sponsoring the BBA Annual Retail Banking Conference in London when Avoka’s Cliff Van Tonder will be speaking on one of the biggest trends in banking: “platformification.” Bank platformification is gaining traction due primarily to the encroachment of Fintech Disruptors on the traditional banking space – these disruptors are: Small and nimble (ala David in “David and Goliath”) They’re unencumbered...

Read More
          Crowdfunding is growing beyond tech, but is it really the future?   
Crowdfunding sites are all the rage right now. Kickstarter and Indiegogo have given start-ups a new way to gain exposure and lift their brand off the ground. The approach is also revolutionising established industries though, from real estate to banking.
          Stress in the economy could worsen NPA woes: RBI   
Under severe stress conditions, gross bad loans of all banks will jump to 11.2% of the total in March 2018, from 10.1% in September 17.
          UAE Exchange and Financial Services applies for banking licence   
The non-banking company is in the business of foreign exchange, outward remittance, money transfer, gold loan, insurance and share trading.
          Svatantra microfinance to expand operations across the country   
Svatantra is currently funded by 9 financial institutions including public and private sector banks and NBFCs.
          Banker, Rancher, and U. S. Senator John Thomas [otd 06/30]   
Senator Thomas. Library of Congress.
On June 30, 1928, Idaho Governor H. Clarence Baldridge appointed banker and rancher John W. Thomas to fill the U. S. Senate seat vacated by the death of Frank R. Gooding. The appointment arose partly from the fact that Thomas was considered Gooding's political protégé.

Thomas was born January 4, 1874 in Phillips County, Kansas, 60-70 miles north of Hayes. He attended a Normal school in central Kansas. John then taught for several years and spent five years as a school Superintendent. From 1906 to 1909, he served as Register of the Land Office in Colby, Kansas.

In 1909, Thomas moved to Gooding, Idaho, where he engaged in banking and invested in real estate. At that time, Frank Gooding had just completed two terms as Idaho Governor. (Custom then dictated that the governor should serve only two consecutive terms.) Thomas and Gooding became associated through their common interests in banking, ranching, and politics.

Thomas was mayor of Gooding in 1917-1919, when Gooding lost in his first run for a U. S. Senate seat. Gooding succeeded in 1920 and was reelected in 1926. By then, Thomas was a member of the Republican National Committee. Thus, when Gooding died two years into his term, the Thomas appointment followed naturally.

Concerning the appointment, the Governor was reported (Idaho Statesman, July 1, 1928) to say, “For a number of years Mr. Thomas was closely associated with the late Senator Gooding and seems to be the logical man to carry on the splendid fight Gooding waged for the economic development of Idaho.”

The subsequent special election confirmed his seat for the remainder of the term.

Being Senators from a farm state, both Thomas and William E. Borah [blog, yesterday] voted for the 1930 Smoot-Hawley Tariff Act. The Act had originally been proposed as relief for American farmers. However, by the time it passed, the Act also contained sky-high tariffs on hundreds of non-farm products. Countries all around the world retaliated with higher duties on American products. While Smoot-Hawley did not cause the Great Depression, economists generally agree that the Act made it far worse.

During this term in the Senate, Thomas chaired the Committee on Irrigation and Reclamation. In August 1932, a union representative at the Hoover Dam construction site sent him a letter that began, "We believe that a great injustice is being perpetrated against the workers at Boulder Dam in the general lowering of working and living conditions.”

Hoover Dam, 1942. National Archives.
They asserted that the contractor had set wages below area averages, ignored state safety codes, and charged exorbitant prices for goods and services. It is not clear how John replied, and the issue soon became moot for him. That fall, the Democratic landslide led by Presidential candidate Franklin D. Roosevelt swamped his re-election bid.

Thomas spent the rest of the decade attending to his business and ranching interests. In 1940, Senator Borah died in office and Thomas was appointed to fill that vacancy. Again, he won the special election to confirm the appointment. This time his bid for reelection in 1942 succeeded and he began a full six-year term. Ironically, he did not complete that term, himself dying in office in November 1945.
                                                                                 
References: [Hawley]
Boulder Dam Workers, Boulder City/Hoover Dam Museum, Boulder City, Nevada (2005).
“John Thomas,” Biographical Directory of the United States Congress, online.

          IT-Security Professional im Umfeld CERT (m/w) - SIZ GmbH - Bonn   
? Die SIZ GmbH ist ein Unternehmen der Sparkassen-Finanzgruppe, hervorgegangen aus der 1990 gegründe­ten SIZ Informatikzentrum der Sparkassenorganisation GmbH. Wir bieten Produkte und Dienstleistung zu den Themen Informationssicherheit, Datenschutz, IT-Revision, Online- und Electronic Banking, Chipkartentechnologie sowie Compliance. Mehr als 450 Kunden aus der Sparkassen-Finanzgruppe sowie zahlreiche Unternehmen außerhalb der Gruppe setzen auf unsere hohe,...
          Technical Lead - Morgan Stanley - New York, NY   
Exposure to a Datawarehouse / BI project in a finance / banking environment. Excellent understanding of the Datawarehouse life cycle right from data source to...
From Morgan Stanley - Thu, 11 May 2017 21:16:59 GMT - View all New York, NY jobs
          Technology Lead - US - ValueSoft Technologies - Plano, TX   
*Role* Technology Lead - US *Skillset* Datawarehouse and ETL , Teradata *Domain* Banking Financial services *Company* ITL USA *Country* USA *State /...
From Indeed - Mon, 08 May 2017 21:57:19 GMT - View all Plano, TX jobs
          16 Money Management Books To Achieve Financial Freedom   

You're reading 16 Money Management Books To Achieve Financial Freedom, originally posted on Pick the Brain | Motivation and Self Improvement. If you're enjoying this, please visit our site for more inspirational articles.

money management books

Money. It's a touchy subject for some people, and it's just a game for others. I've been on both ends of that spectrum: totally broke and busted on one end — and total financial freedom on the other. The former is stressful beyond belief; while the latter is friggin’ awesome. Now, I’m no Warren Buffet by any means, but I do know what it feels like to pull myself out of the brink of bankruptcy and learn how to finally get finances together. And most of my money management education came from two places: 1) Failing miserably in the real-world (and eventually learning from those failures); and 2) Reading lots and lots of books. Today, I we’re going to talk about the latter... More specifically, I’ll be dropping a list of the 16 most powerful money management books I’ve ever read.

Some of them are old-school classics. Others are new-age money management books written to help us adapt to the evolving economic conditions of the modern world. But ALL of them will be useful towards helping you to not merely manage your money -- but towards achieving total financial freedom.

Let’s dive in, shall we?

#1. Millennial Money by Patrick O’Shaughnessy

The money game isn’t anything like it use to be. And for us Millennials, it’s taken an unrecognizably different form than what our parents were used to. Millennial Money provides unconventional strategies that modern Millennials can actually put to use.

#2. Happy Money by Elizabeth Dunn and Michael Norton

In Happy Money:The Science of Happier Spending, co-authors Elizabeth Dunn and Michael Norton explore how the way you spend your money can have more of an impact on your happiness than how much money you have or make. This is not a book about how to make more money, but a book that teaches us how to spend money in ways that will yield true happiness in both our personal and professional lives.

#3. Bold by Peter Diamandis, Steven Kotler

Bold is the modern money book we’ve all been waiting for. Learn about using exponential technologies, moonshot thinking, and crowd-powered tools to create extraordinary wealth while you make a meaningful difference on the world doing work that matters… Expect to learn new and unconventional methods to leveraging the web’s infinite tools to raise money, make money, and manage money.

#4. Rich Dad, Poor Dad by Robert Kiyosaki

This is the grandaddy of money management books… it’s been around for awhile, but that doesn’t mean we Millennials can’t learn a thing or two from it. If you’re looking to learn a balanced combination of money management techniques to help you pave your path to success and financial abundance — then this is your book. This classic is filled with stories, strategies, and inspiring insights to help you achieve the financial fitness you deserve.

#5.  Think and Grow Rich by Napoleon Hill

This is a real book of wisdom that goes far beyond what its title entails. Originally published back in 1937, Think and Grow Rich tells us the principles, habits, and secrets of some history’s wealthiest people: Andrew Carnegie, Thomas Edison, Henry Ford, and many more. Think & Grow Rich is more than just a money management book -- it's a money mind-set book.

#6.  I Will Teach You To Be Rich by Ramit Sethi

Cheesy title. Great book. I Will Teach You To Be Rich is a practical money management book that’s based around is based around four simple pillars of personal finance: (1) banking, (2) saving, (3) budgeting, and (4) investing–and the wealth-building ideas of money management and financial success.

#7. Secrets of The Millionaire Mind by T. Harv Eker

This is a book about how to develop a successful psychology and mindset for money… which I believe is the most important aspect of — not just managing money — but building the abundance and financial freedom you deserve. The essential money management book for learning how to develop a millionaire mind.

#8. Flash Boys by Michael Lewis

I’m going to be straight with you: this money management book will piss you off. But that doesn’t mean it’s no good. It’s an incredibly compelling read. The reason it’ll get you angry is because it exposes the how Wall Street has been rigged for the benefit of the insiders — and only the insiders. Until now.

#9. How Adam Smith Can Change Your Life by Russ Roberts

What's it really take to be happy? Money? Fame? Respect? The feeling that we're doing something that matters with our lives? ... What's it really take? In How Adam Smith Can Change Your Life, author Russ Roberts takes the old-school money management principles and applies them in a more modern context to better suit the world we live in today. More than just another money book, pick this best-seller up to lessons on life from one of history’s greatest thinkers about how happiness, virtue, fame, and fortune are all intertwined one another.

#10. The One-Page Financial Plan by Carl Richards

Let’s face it: Money Management can be a daunting topic. In The One-Page Financial Plan, author Carl Richards simplifies the complex money management concepts and distills them into actionable advice anyone can follow to get a handle on their finances.

#11. MONEY - Master The Game by Anthony Robbins

Based on extensive research and detailed interviews with over 50 of the world’s most legendary financial experts—from Carl Icahn and Warren Buffett, to Ray Dalio and Steve Forbes—Tony Robbins has condensed the incredibly complex concepts of investing and financial lingo into a simple 7-step money book that anyone can use for financial freedom, regardless of how much (or how little) you know about this subject. Money plays such a crucial role in our lives, so we might as well learn to “master the game”, right?

#12. The Intelligent Investor by Benjamin Graham, Jason Zweig

In The Intelligent Investor, you'll learn money management lessons from the greatest investment advisor of the twentieth century, Benjamin Graham. This gem of a money management book contains an updated approach on Graham’s original philosophies; allowing you to implement these time-tested principles in the modern market our economy presides in today. This is the perfect book for anyone who wants to combine old-school investing wisdom with the realities of today’s market.

#13. Get Rich Carefully by Jim Cramer

Get Rich Carefully is the battle-hardened how-to guide for effectively managing your personal finances. Author Jim Cramer teaches you his principles on turning your savings into real, lasting wealth in a practical and easy to follow format.

#14. The Money Book for the Young, Fabulous & Broke by Suze Orman

Learn the basic principles of money management from one of the world’s most trusted financial experts… In this money book, author Suze Orman covers all the fundamentals: credit card debt, student loans, credit scores, home-buying, insurance, and even how to handle the financial conundrums that come with your first real job (or business).

#15. Why Didn't They Teach Me This in School? by  Cary Siegel

The lack of basic information taught in our public schools on the topic of money management (and life, in general) is a total embarrassment. The very place we’d expect to be taught these critical skills are the last place any of us ever learned how to get a handle on it. This book breaks down what we should’ve learned about managing our money growing up.

#16. The Total Money Makeover by Dave Ramsey

In this book, famed financial coach Dave Ramsey breaks down a battle-hardened playbook for building up your financial fitness. Here’s some of what’s covered in the book: The 10 most dangerous money myths; a sure-fire plan for paying off all your debt; and how to secure a huge money reserve for those unexpected moments that matter most.

That was right on the money.

Now that you’ve got this list of the 16 best money management books — there’s only one question left… Which one do you read first? Should you go out and get all of them immediately? Should you read them all at once? Or should you take a lifetime to read them? So many options. So little time. Ultimately, it’s totally your decision what you do with this list and how you apply it to your life and career. But if I may, here’s what I would suggest you consider as you get started:

  • Subscribe to a book summary site, like FlashBooks to get the key-takeaways from the books on this list.
  • If you’d prefer to read an entire book, I would highly suggest that you read just ONE book at a time. Sometimes, when we see something new and exciting, we have tendency to want to do/learn/read it all at once… and as we all know, this is nearly impossible to do without stressing ourselves out. So, choose a book. And then commit to reading it from start to finish.

You've read 16 Money Management Books To Achieve Financial Freedom, originally posted on Pick the Brain | Motivation and Self Improvement. If you've enjoyed this, please visit our site for more inspirational articles.


          ANGULAR SKILL REQUIREMENT - OpenSource - Johannesburg, Gauteng   
*10 X RESOURCES - ASAP - R/H - neg - BANKING* *MUST HAVE* * Angular JS * JavaScript * MTML * SCSS * Jasmine/Karma * Protactor *PREFERENCE* * Grunt *
From Indeed - Mon, 19 Jun 2017 12:24:03 GMT - View all Johannesburg, Gauteng jobs
          Commercial Loan Officer - MIDFLORIDA Credit Union - Wauchula, FL   
Identify and cater to the specific needs of private banking clients. MIDFLORIDA Credit union is currently seeking a Commercial Loan Officer to solicit existing...
From Indeed - Sun, 07 May 2017 00:43:37 GMT - View all Wauchula, FL jobs
          Bank X: Version 7 erreicht den Mac App Store   
UmsatzUnsere Empfehlung in Sachen Online-Banking am Mac, die ganz hervorragende Desktop-Applikation MoneyMoney kennt ihr bereits – dennoch behalten wir alternative Kandidaten wie StarMoney, Outbank und auch Bank X natürlich im Blick. Letztere meldet sich jetzt mit Version 7.0 ihrer Desktop-Anwendung im Mac App Store. Diese flankiert die zuletzt 2015 aktualisierte, für iPhone und iPad angebotene […]
          China M&A scrutiny to cast shadow on Asia deals volume   

HONG KONG  - China's outbound M&A volumes nearly halved in the first six months of 2017 following Beijing's crackdown on capital outflows, data showed, and its new scrutiny of acquisitive groups, including Anbang and HNA, is set to dampen Asian dealflow further.

Overseas deals by Chinese companies - the engine of M&A activity in Asia - fell 49 percent in the first half of 2017 from the year-ago period to $64.2 billion, dragging down regional deal volumes, according to Thomson Reuters data.

The total value of announced M&A activity in Asia Pacific fell 15 percent in the first half of this year to $458.4 billion from the year-ago period, the data showed. China was the top nation for both inbound and outbound deals in Asia Pacific for the half-year, attracting $28.5 billion worth of inbound deals.

A slowdown in Chinese deals, especially large-sized ones, could inflict further pressure on Asian revenues of Wall Street banks, who are already feeling the pain of growing competition from Chinese investment banks. M&A is among the few areas where Chinese banks haven't already gained a strong foothold.

Chinese firms spent a record $221 billion on assets overseas, ranging from movie studios to football clubs in 2016, but Beijing's move to prop up the yuan by restricting capital outflows has made it tougher for buyers to win deals abroad.

China's banking regulator tightened the screws further last week, ordering a group of lenders to assess their exposure to offshore acquisitions by several big companies that have been on an overseas buying spree, two people familiar with the matter said.

"The latest crackdown takes away people from the market who were very active on the M&A scene and creates a sense of uncertainty. You will see the impact on volumes," said an Asia financial institutions M&A banker at a large European bank.

The elevated regulatory hurdles for Chinese buyers to get their cash out of the country have caused delays and even withdrawals of a number of China outbound M&A transactions targeting U.S. and European assets.

"The sellside needs to ascertain the credibility of a buyer (from China). The second thing is to address any questions around certainty, in particular funding and approvals," said John Kim, head of M&A for Asia ex-Japan at Goldman Sachs.

Still, Chinese state-owned firms struck some of Asia's top deals in the first half. China Investment Corp wrote a 12.25 billion euros ($13.93 billion) cheque to acquire European warehouse firm Logicor from private equity group Blackstone , the region's largest during the first half.

But this year is unlikely to see any blockbuster deals such as last year's around $44 billion ChemChina-Syngenta tie-up. Bankers instead expect more activity to be driven by private equity firms which have plenty of capital after a busy fundraising period in 2016.

They are already heavily involved in some of Asia's most high-profile takeovers and take-private deals, including the potential sale of Singapore-listed warehouse operator Global Logistic Properties Ltd , which will likely be the region's biggest buyout this year.

($1 = 0.8793 euros)



          Senate committee takes first steps in making GSE reform a key priority   
The Committee on Banking, Housing, and Urban Development took some of the first steps in ensuring that reforming Fannie Mae and Freddie Mac will finally happen after nearly nine years in conservatorship. During a hearing on Thursday, it quickly became clear how important GSE reform is to the current Congress, with panelists and both political parties able to conduct a calm and open discussion on how to conquer housing finance.
          Comment on JPMorgan Chase Names New CEO of Mortgage Banking by دانلود قسمت هشتم شهرزاد دوم   
<strong>Title</strong> [...]check below, are some absolutely unrelated web sites to ours, having said that, they are most trustworthy sources that we use[...]
          Rachel E. Donn named Partner at HDW   

Rachel E. Donn was recently named as partner in the law firm on Holley, Driggs, Walch, Fine, Wray, Puzey & Thompson. Ms. Donn’s practice areas include commercial litigation, real estate, mortgage banking, title insurance defense, lien/priority litigation, employment law, family law, and appellate law.

The post Rachel E. Donn named Partner at HDW appeared first on Holley, Driggs, Walch, Fine, Wray, Puzey & Thompson.


          Lloyds misses own compensation deadline   
Victims of a £1bn fraud criticise Lloyds Banking Group for failing to meet its own deadline for paying compensation.
          French Bank BNP Paribas Accused Of Complicity In Rwandan Genocide   
Three civil society organizations in France have filed a lawsuit against French banking giant BNP Paribas, accusing it of complicity in the 1994 genocide that killed more than 800,000 people.
          BRANCH BANKING-OPERATION MANAGER   
Future Hiring Services - Ranchi, Jharkhand - A bank operations manager is an individual who carries out administrative and accounting duties in a financial institution by organizing and coordinating banking services. His/her job description involves managing his/her bank’s operations team to deliver effective financial se...
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Ranchi, Jharkhand - BANK JOB NEW OPENING IN HDFC BANK Dear candidates , We are hiring for banking sector. Like HDFC BANK , YES BANK, KOTAK MAHINDRA BANK, AXIS BANK …. Recruitment is going on in Banking Sector for the post of Phone Banking Officer Qualification-Graduation Male / Female both c...
          Opening as Relationship Office for Axis Securities Ltd JHARKHAND   
Axis Bank Ltd - Jharkhand - Customer Service Executive/ Officer, Phone/ Internet Banking Executive, Sales/ Business Development Manager - Debt Instruments, Mergers & Acquisitions - Analyst Qualification Any Graduate Job Description ~~We have Opening as " Relationship Officer" for Axis Securities Ltd...
          LOLC Finance takes top honours at LankaPay Technnovation Awards   
LOLC-Finance-wins-Top-RecognitionSri Lanka’s Non-Banking Financial Institution (NBFI) giant, LOLC Finance PLC bagged three top awards at the LankaPay Technnovation Awards 2017 held recently for the very first time competing against prestigious Banks and NBFIs to gain these top positions. At the glittering awards ceremony, LOLC Finance was bestowed with the following coveted titles: 1) Financial Institution […]
          Government marking time in Mozambique peace talks, Afonso Dhlakama says   

The leader of Renamo is banking on the government’s ability to produce a revision of the constitution, a law for electing governors and for financing the provinces by the end of 2017.In an exclusive interview with DW Africa, the leader of Renamo, the largest opposition party in Mozambique, reveals Source: » Government marking time in… Read More »

The post Government marking time in Mozambique peace talks, Afonso Dhlakama says appeared first on Zimbabwe Situation.


          In Trusts We Trust   

Offshore Banking and Tax Havens Concept

Are tax havens immoral? The question is posed by Brooke Harrington’s extremely interesting book, Capital without Borders: Wealth Managers and the One Percent.  Harrington teaches at Copenhagen Business School in Denmark but qualified in wealth management to “infiltrate” the


          Banking Center President (Full Time) - Katy, Spring Green - Prosperity Bank - Katy, TX   
Monitors and reviews construction, development, and commercial loans. Monday - Friday 8:00 am thru 5:00 pm....
From Prosperity Bank - Thu, 22 Jun 2017 05:33:49 GMT - View all Katy, TX jobs
          Sales Consultant   
Nedbank - Hazyview, Mpumalanga - Nedbank Recruiting Closing Date 06 July 2017 FAIS Affected FAIS Affected - Yes Nedbank Retail and Business Banking Nedbank Retail and Business Banking takes care of all our individual clients, as well as businesses with an annual turnover of less than R700 million. ...
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          Software Engineer - Modern Banking - Omaha, NE   
Experience in MFC C++, MSI and WIX deployment packages, WCF, WPF, LINQ, Team Foundation Server, Object Orientated design, Entity Framework, and advanced MSSQL...
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          Handbook Of Islamic Banking   

Autor: Hassan, Kabir Editorial: Edward Elgar Descargas: 941 Nº Paginas: 135 Handbook Of Islamic Banking, Hassan, Kabir , “The Handbook of Islamic Banking” comprises veinticinco studies by leading...

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          Retail Banking   

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          Banking And Capital Markets “New International Perspectives”   

Autor: Black, Harold A.,Blenman, Lloyd P.,Kane, Edward J. Editorial: World Scientific Publishing Descargas: 856 Nº Paginas: 49 Banking And Capital Markets “New International Perspectives”, Black, Harold A. Blenman,...

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          Community Banking Strategies “Steady Growth, Safe Portfolio Management, And Lasting Client Rel”   

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          The Basel Committee on Banking Supervision   

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          New Jersey Budget Stalemate Brings State Closer To Shutdown    

With New Jersey's current budget expiring at midnight Friday, Assembly Democrats and Gov. Chris Christie don't look anywhere close to making a deal on a new one.

At the crux of the dispute is Christie's desire to take surplus funds from the state's largest health insurer, Horizon Blue Cross Blue Shield of New Jersey, and use them to combat opioid addiction in the state. Horizon, meanwhile, is calling this extortion and bullying.

Democrat Assembly Speaker Vincent Prieto put his foot down on this proposal, saying that pulling from Horizon's reserves would be equivalent to taxing 3.8 million New Jersey residents.

"It will be after we pass a budget that we will look at a bill like that," said Prieto in a press conference on Friday.

Christie insists he's ready to sign a budget whether or not it includes the Horizon proposal. However, signing that version of the bill would open the door for Christie's use of line item veto against other proposals from Democrats.

If Democrats want their projects funded, Christie needs his as well.

"They send me a budget with Horizon and with the lottery, then these 73 spending items will stay," said Christie this afternoon, brandishing a piece of paper for emphasis.

The governor watered down his proposal against Horizon in recent days. Previously he called for taking $300 million from Horizon's $2.5 billion reserves to put towards the opioid prevention project. Now the proposal puts the Department of Banking and Insurance in charge of redistributing Horizon's funds if they become excessive.

The legislation would also create additional requirements for Horizon's public disclosure forms and ensure three of its board members to be elected by lawmakers.

On Friday, Christie said a government shut down would be "because of Speaker Prieto."

If the government does shut down, the governor can call back legislators for extended session until a budget passes.


          Personal Banking Advisor, Rivière du Loup - Banque Nationale du Canada - Quebec   
Personal Banking Advisor, Rivière du Loup Primary Location : QC-Bas-St-Laurent-Riviere-du-Loup Employee Status : Regular Schedule : Full-time Number
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          Technical Lead - Morgan Stanley - New York, NY   
Exposure to a Datawarehouse / BI project in a finance / banking environment. Excellent understanding of the Datawarehouse life cycle right from data source to...
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          Technology Lead - US - ValueSoft Technologies - Plano, TX   
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          Ka Auditron Ba - The Final Conflict   

Back in October of last year I was in New York and had the pleasure of meeting King Koncepts at his record store, Good Records. We chatted about music and he mentioned that Karma was working on releasing some old late 90's Kemetic Suns music. Fast forward to last week and I received an email from Karma introducing himself and letting me know about the music he posted on his Tumbler. Karma picks up where Koncepts left off when he posted The Bombshelter album back in 2009. I'm not going to try and summarize any of this of, instead I urge you to take some time and read through the detailed posts from Karma and listen to the unreleased Ka Auditron Ba (Karmachi & Hypnotic) album.

I'd like to thank Karma for reaching out to me and allowing me to post this on my site. The insight he and Koncepts provide is rarely seen in underground hip hop and is greatly appreciated.

 When To Walk Away Pt. 1

Preview to The Long Goodbye

***This blog was originally  written by Koncepts and featured as documentary comment on Cocaine Blunts appearing in 2009. Since then the trolls have made it less inspiring for the homie Noz to keep the blog up so I thought I would recreate it here for the sake of background***
 “Fundamentals consisted of me – Koncepts – and Karma. We met each other at Berkeley High, 1992. All I remember was being introduced to this dude who was into rap, and had a little bit of game to him - he knew all the different cats around school, kept good weed, knew how to talk to girls. Quickly we started hanging out, going to parties. We formed The Fundamentals in early ‘93, long before the crew Kemetic Suns came about. At that time, the crew we made was called “Ascension”: in addition to us, we brought in a group called Hijinx (Peekaboo and Embassy), rappers Malignant and Level Z, and Anthony/Ayentee. Before I got with Karma, I was in an awful band that played funk-rock-jazz-rap-fusion a la Alphabet Soup or the Mo'Fessionals – interesting sidenote, playwright Itamar Moses played keyboards in that group. But I wanted to do something that was more straight up Hip-Hop. I was DJing already and I played the guitar. I fell off with the guitar lessons but started making primitive beats. Hanging out at Anthony’s house in north-west Berkeley I started to get hip to funk and latin and freakier jazz music all courtesy of his father’s record collection. 


We all hung out and got busy together, either at Anthony’s house or at my house. Anthony’s house was like a constant spot – there would be any number of kids there, from the graf crew DOA down to West Side Berkeley dudes, friends of his dad, relatives. I was granted use of a narrow boiler room underneath my mom’s house – the “Bomb Shelter” – to record in, and all of the material featured was made there. The beats here were made either on an Akai S-01 (a cheap version of the 950) and a Roland R8 Human Rhythm Composer, or the Ensoniq ASR-10, which I stuck with. Kids would come through, I would throw together a beat or have one I had already worked up, and they would record. Anthony, who made beats as well, occasionally helped out engineering things. I’d do arrangements, hooks, whatever. I wanted people to write songs, not just lay down rhymes, so I tried to focus their talents and that’s how a lot of this stuff came to be. A lot of guys didn’t have any idea how to write songs – like, verse/hook/bridge, or whatever. Some dudes just wanted to spit for like 6 minutes. Off the head. It was a mess.


Most of us were from Berkeley or Oakland. Karma spent some time up in Sacramento early on. Malignant had one foot out in Richmond I think. Around the beginning of 1994 I moved to the Mission neighborhood in San Francisco to go live with my father, but continued attending Berkeley High and hanging out with the crew every day. It was a regular thing to go from school to my mom’s basement where the makeshift studio was, record until 7 or 8, ride the bus back into San Francisco and wash up somewhere around 10 at my dad’s apartment. Peek lived out by Eclipse, in the Union City area, and they were friends, so that’s how we got down with the Mixed Practice crew. Eclipse tells me now that he got real tight when Peek played him some of my stuff, like “who is this other young dude out here with beats??” Karma’s brother Wayne knew Corey/BFAP from the Mystik Journeymen, so we got down with them around ’94 or so, but I think they probably saw us as like, young’uns in the game. We met Kirby around then as well, up at UC Berkeley at KALX – Karma had gone up there with BFAP from the Journeymen. While BFAP was kind of cool on the kid, it was obvious he had incredible talent. Kirby, originally from East Oakland, had spent many years in Stockton prior to coming to Berkeley… had kind of a checkered past, but it turned out he and Karma knew some folks in common from up that way. We would hang out and freestyle in his dorm room but we hadn’t really clicked up in a formal way yet, like we would later.

image

Even though our style was more on the “backpack”/”houser” thing, a lot of the cats in the crew had street ties, we just didn’t really put it out there like that. It was more a thing you wanted to get away from, if you had ever been close enough to see it. The one exception was The Mental Patients – featured here on “Mental Anxieties” – who were some real street cats from South Berkeley, North Oakland, and East Oakland. But they’d come through, we’d smoke, lay down some music, no drama ever. They weren’t really a part of the crew per se but they showed love, would share smoke or even muscle if it was needed (which, on a couple of occasions, it was). Good dudes. Any time there was beef you had an assemblage of dudes from West Side and South Side Berkeley as well as North Oakland and parts of the east as well. We rolled deep.

image

The Ascension crew only lasted but so long, though, and at a certain point, friendly competition turned into beef. Dudes started talking behind each others’ backs, trying to create little allegiances and whatever… just childish stuff but you know we were, at the time, anywhere from 14-18 years old. Embassy and Karma, long rivals in the cipher, came to blows and everyone went their separate ways. I spent several months recording my own material, thinking I’d record my own demo/album, maybe sell it like the Journeymen and Mixed Practice and the other guys I was meeting around the scene at that time. That stuff never got released anywhere, with only one track turning up on 30 Days; much of it is featured here.

image
In the summer of 1995, Karma and I were both working in San Francisco. He was interning at Polygram - Polygram had an office in San Francisco! We patched up and started working on what would become 30 Days & A Plane Ticket, our first “real” tape – the title owing to the fact that I was moving to New York City 30 days from when we started. Karma’s style, originally an old school, laid back flow, and at one point a bone of contention amongst the more east coast-influenced crew, had developed into a this tripped out, cerebral scattershot of politics, hood slang, conspiracy theories, and 5% math. A cat he rolled with called Bay-Bay came up with the name Kemetic Suns. At that time, though, it was basically just a loose affiliation of folks we rolled with, some of whom didn’t make music at all. It was just a crew in the loosest sense. Kirby was down at that point, but I don’t recall meeting Hypnotic (another crew member) until 1996 or so, beyond the point at which this comp comes to an end.
image 
Honestly I don’t know what people will think of this stuff. I’m opening myself up which is always a risk. I think we had some talent. We never made a huge mark, despite being really prolific – due mostly to my ability to record. I had the good fortune to hold onto most of my old sessions. I’m sure there’s a ton of amazing stuff out there that has disappeared… I’ve certainly been met with that response as I’ve sought out material by other groups of the time. We wore our influences on our sleeves – but as kids, that’s just part of developing your own style. Back then, it wasn’t about features, or placements, or even tape sales really – just a bunch of cats doing music. That’s what the underground tape thing was really about. I can think of no better way to illustrate that.”

The Bombshelter Download


When To Walk Away Pt. 2

Preview to The Long Goodbye 

For a very long time my identity and self perspective was shaped by being a member of a family that made music. Had our parents been born in the Carribean in the 60′s and repatriated to the UK, we probably would have been Cymande. Had it been London in the late 40′s we might have been Pink Floyd. I have heard arguments that place us around the world and at different movements. As it shaped out, we were birthed into the 70′s and grew up in the 80′s in the east bay region of the San Francisco Bay Area. In particular, we all cut our teeth in the “small island in the sea of night” known as Berkeley. In 1995 we started our collective and independent label we called Kemetic Suns Massive.

image
There was a time to that time in particular that I would be hard pressed to try to recreate with words. As much as I pride myself on my ability to write into existence, I don’t think I could accurately give the feeling or emotional connection we had to what we were doing. There was different a zeitgeist of sorts as it was the mid-1990s and hip hop was becoming a billion dollar way of telling young people what to do. Perhaps it was the influence of Apple vs Wintel happening in our backyard of Silicon Valley. Maybe there was a factor around welfare reform, new banking models and a sense that another gold rush had come to San Francisco. It could be the influence of self determined cultural giants such as MC Hammer, Too Short, E-40 and Mac Dre who were uncompromising in their independence and standards.
I don’t have the bandwidth or desire to try to explain what brought us to the music or together. Many of these thoughts have laid hidden from me for decades by my own doing. I think my brother does a much better job of describing us here:

Bomb Shelter
 
Then there was also the concept of newly emerging technologies such as samplers, sequencers and non-lineal audio recording. That and the fact that as teenager I stumbled into being an active member of something that would later become called the Internet as well as progenitor of social media. Do not take my word for anything. There are far better curators involved:

It's Cheaper Than A CD

In terms of a business model we were decidedly clear that we would do everything in house. EVERY THING. Tapes, cds, vinyl, t-shirts. Production, engineering, management, promotion. Our greatest asset was each other. I treated the collective like my martial arts gym (which I mistakenly left in pursuit of a full time music career) in that training each other on every aspect made us well rounded, disciplined and allowed us to bring in new skills. The majority of the good work is based on our willingness to skip past barriers in terms of booking, promotion and retail:



From 1995 to 1998 we made 15 different projects ranging from EP to LPs to even putting out one of the first audio books for spoken word and poetry. I can’t speak for anyone else but I actually thought we were going to change the world. Given that our model was more of a social enterprise than a record label or entertainment company. Many of our members were previously homeless, from foster homes and/or faced with tons of barriers toward economic independence. My father, who was and will always be the bare minimum of excellence I strive for, ran a non profit that provided legal services to the poor who couldn’t afford to fight unlawful evictions, custody battles and discrimination. Without explicitly knowing we were into job training, Koncepts and I were adamant that these roles at House Kemetic Suns become employment. 
In 1997, Kirby got an opportunity to study abroad in DC at Howard. He would ride the train to Harlem and record with Koncepts, which later became Konceptual Dominance.


During that time, myself, Hypnotic and Per Aa were doing shows all over northern and central California. Literally from as far as Humbolt to San Luis Obisbo. Initially I only had the Fundamentals material I could perform and Hypnotic had his guest appearances as as he worked on his album. When all of the Suns met up in winter 1997, Koncepts played us Flawless Execution.


As soon as I heard it I knew what it was: Konceptual Dominance. In a time when we could hear everyone else punching in every bar, these two were going for 16 bars with flurries full of flow, punchline, presence and brilliant topics. I knew this was going to be a game changer. To be fair all we did was game changers, whether or not it was quality. Innovation and newness led the day. In response, Hypnotic pulled out the dusty tape of 8-track mix downs of the routines he and I were doing when we ran out of material on stage. I had slices of dub tracks and science fiction movie soundtracks as the thumbnails of beats we were rapping over. The crew loved it and named us Ka Auditron Ba. We were given the mandate to finish our project to release it after Konceptual Dominance and set up for the Kemetic Suns album. Ka Auditron Ba worked for the next year to finish our project called The Final Conflict. 3 label deals, 4 tours, 21 tracks and it was never released as promised. Somewhere in there I just walked away. 

For the few souls who are clever enough to see me on the street and figure out who I am, the question is always the same:

1) Why was the Auditrons never released?

2) What happened to the Kemetic Suns?

As 2017 is here and I do away with old things, avoiding answering these questions is one of those things I will let go. The answers in part III


When To Walk Away Pt.3

Preview to The Long Goodbye
“I’m an A-U-D-I-O”


There was a friendly competition we all adhered to when we started. Ultimately it was about the four of us: me, Koncepts, Kirby and Hypnotic being able to freestyle against each other for hours. I mean HOURS. At that time we thought we were okay, retrospect made me realize we were pretty high level. Much of the energy of that competition played out in the dynamics we had with one another outside of the music. Kirby was the master of partnership, I understood project management, Koncepts was our in house technical and Hypnotic did our sales. We were a much larger collective once, at one time being 15 people deep if you counted the affiliates in New York and Texas as well as the younger cats we were mentoring. There is also an argument in there about how influential and selfless cats like Bas1, Eclipse427 (Walt Liquor), Peekaboo and Infamous were so they could be Kemetic Suns. Plus there is a whole other tangent on how strong our ties were to MURS.
Quite accidently, Kirby and Koncepts together were very good as ambassadors. They travelled a lot, they showed up to events and they were able to get our sound into the heads of real decision makers who made sure our records ended up on mix shows, college radio and features. This is part of the reason Konceptual Dominance made so much sense. On the opposite tip, Hypnotic and I were doing shows and selling merchandise direct to customers (fans). I had a pretty high ethical standard which I realize now was a serious handicap for our business in terms of being in the music industry. Other groups could trash the stage, steal from the bar, go over their time or intimidate the promoter into moving them up on the lineup. I never wanted to get too involved in that type of grimy dealings because it was dumb logic to me – if we were going to go that route, forget the music and let’s go back to the streets.

That was another issue we were confronting. Many of the people rapping at the time all came from middle class backgrounds and had a parachute lined up for them afterwards. Koncepts and I tried to address that on Stop The World (the song itself). Where as many crews were diverse economically and ethnically, we were diverse economically but most of our members were two steps from the streets. Meaning we had convinced them to let go of their old hustles in lieu of legitimate enterprises that would be promoted by House Kemetic Suns. It was always a struggle. We didn’t always win. As the founder of the collective, I had the tendency to be the loudest voice in the room even if I actually wanted a democracy. In fact I remember always talking about being the bigger person and breaking up some many beefs. Then one night in winter of 1996, I confronted a mask bound rapper about some personal violations he made in my life. In his drunken indignation, he replied he was not responsible for his actions and he might kill me. I lost it and told him to put up his hands. He had 12 tiny people holding him back, the Suns just watched to make sure nobody jumped me from behind. We never got into it but he knew that night like I know this day that if it went down he was going to end up in the ER. The problem was we had crossed a bridge; our music was never going to be bohemian again and I had lost the credibility to tell my crew to “walk away”. In fact, we turned the ship and headed directly into the storm.

There are some background elements to understand before going in. If Konceptual Dominance was the equivalent of two tenured professors doing panel discussion on human behavior through hip hop, Ka Auditron Ba was the essence of two battle rappers getting their own satellite and broadcasting a 24 hour signal based on the lifestyle trying to prevent a cataclysm. We pulled from everything important to us at the time. Both Hypnotic and I were avid Marvel fans. We owned tons of comics. I read a lot of science fiction and watched a lot of movies. Hypnotic was really into documentaries. At the time I was able to study under Mr. Obenga which deeply changed my life and I was able to see firsthand the aspirations of the progenitors of the Nile Valley culture. Meanwhile Hypnotic’s mother was a reggae journalist and therefore gave him access to elders. One in particular who really influenced us was Scientist. Aside from demystifying much of the Rastafarian thought process beyond the generics and tropes, Scientist gave us the template.

 image

Thus began the goal of creating an identity: we would outperform. The analogy of individuals who take and never gave back became “vampires”. We knew because we didn’t play the politics game we were hard pressed to get headline bookings in the Bay Area because of the co-opting of the scene happening. Simply put, I was going to kiss anyone’s ass, the big names were haters and Hypnotic was doing things behind the scene that made these dudes shook. If we couldn’t get the midnight spot or the top name of the flyer, we wanted the 1130pm slot and we wanted to be second on the flyer. It was Scientist who told us to open with The Voodoo Curse that we transformed into the chant to take over the crowd: “We are……the Kemetic Suns….” It didn’t matter WHO was the headliner. Our goal was to create and perform music that stole the show. It happened time after time after time. We would watch crews argue with the promoter: “don’t put Kemetic Suns on before us….they tire out the crowd”. The promoter would come to us and Hypnotic would say “don’t worry we’re just the Auditrons”.

There is most of the recordings on Soundcloud. I am not sure if everything is awesome. I know I was rapping in the top 10 list at the time but I am not sure if everything we did was incredible. There are some tracks that really move me and Koncepts. I pinged him to get his take on our favorites from the project:


Karma: Resonance was a tribute to Scientist but all scientists in general. We knew there was some connection between innovation and audio engineering happening from the Jamaican sound clashes to NYC hip hop to what we were actually doing with the drum machine and ASR vocal effects when we performed. This is a perfect example of the routines we would do. Back and forths that would whip the crowd into a frenzy as an opener. Also the djs loved it because it was heavy with break beats and juggling. FYI, this is Neal Degrasse Tyson narrating before you all knew how great he was. I pulled it from a vhs compilation my father got me because of our shared loved of astronomy.

Koncepts: this beat don’t make no fucking sense. I didn’t make it. but it always killed at shows. watching people try to catch the beat count was comedy. this shit is in like 11/8 or something. Ka and Ba had that rapid-fire flow where they could make it work and trade off like they were freestyling. It’s pretty incredible, actually.


Karma: Black Elevation Station was supposed to be the crunk remix to All Terrain for Internal Symmetry. My father was from the south and I loved southern hip hop. Not just the obvious stuff like Dungeon Family, Geto Boys and UGK. I listened to obscure material most didn’t know about. When I heard this beat I said its smobb music but it’s not southern. At that time, the stuff I was doing with the internet was getting some nods. I was brought to speak at Stanford to a couple of student groups. The idea of creating one’s own content distribution was intoxicating but we were talking to a couple investors who were interested in buying a satellite and setting up a station in San Francisco. When the deal went through, like so many to come after, Hypnotic suggest we just act like it was still going and we had our station on a satellite we owned.

Koncepts: I had this track early on in the process but added to it along the way. a lot of the keys and stuff came in later. I used a few different samples but kept them all in key, I was known for melodic beats but one thing about the west coast style and the Bay underground in particular was this kind of mystical ass sound but with slapping drums. so this was like that, some psychedelic guitar and synths, but at a higher tempo and some 808 sounds. What Ka and Ba did with it was sick, exactly what I had envisioned it for, they flowed perfectly on the beat. A mix of paranoia and toughness in the lyrics. I think I added the later stuff when they were in the studio with the session players - I wasn’t really involved in that and I wanted to tune up my own stuff to keep pace.


Karma: Tapes. Koncepts and I would send each other tapes a couple times a year. He was attending NYU while I was at SFSU. Most of the beats on the tapes he would send would end up on some project: Ambershine, Internal Symmetry, Konceptual Dominance or the Auditrons. Most of the beats I would send back were rough but he would tweak some of them and they would end up on his solo stuff, my ill fated solo album, Prayze The Sun or Internal Symmetry. This beat was clearly for Hypnotic and I. He even put it on the tape. It was Koncepts at his most genius Smokey Robinson. He could hear something we couldn’t in ourselves. He made sure he was with us when we wrote to it. When he started playing it on the speakers, he prompted us with “show them how the flow never ends”. He wanted to play with some of the Nommo concepts of embracing the silence in the groove as well as the volatility in the drums. We were always sure to write what the beat wanted not what we wanted. Soon as Hypnotic mumbled “its vital that you follow our path that is spiral” a voice spoke to me with the chorus. I looked up from the pad and said “I’m an A-U-D-I-O”. At first they didn’t get it, but I wouldn’t stop. When I saw their eyes light up after the third repetition, we knew did something. This might be my favorite memory of music.

Koncepts: this is definitely the big one. coulda maybe done some numbers. had all the elements. smoothed out but conscious, a hook you can understand and repeat… the label Ka & Ba were messing with brought this into a bigger studio and I was able to add the live guitar and percussion. But they had a boy band and brought them in to do background vocals… kind of not what I had envisioned, image-wise. it worked for the sound, as far as that was concerned. The label was just trying to get on a vehicle for their boy band though. They kept trying to push them into the mix of what we were doing and I had to step away from that situation. that’s one of the things that messed with the delicate equilibrium of the project and the crew.


Karma: There was a lot of money to be made being an independent rap group if you were willing to compromise. We weren’t. Managers would tell us we were unmanageable; too head strong and not needy enough. We made far less money than we should have based on our morals and pride. The way to keep the boat afloat was to subsidize the business model with pieces of my check. At first I worked at a smoothie shop that got bought, stole all my recipes and became Jamba Juice; different story for a different time. That wasn’t going to work for me. Doing minimum wage at a mall. Also in my young fiery mind, “how does this help my people?” I got into working for a few non-profits and did harm reduction outreach – needle exchange, violence prevention and street worker advocacy. I was seeing young people being mistreated as wards of the state.

Hypnotic was doing group home work given he had been in one himself. We would trade stories about the issues we were seeing with young people and the bureaucracy. More and more it felt like young people were being experimented on rather than treated or helped. Both of us had some experience at young age in terms of “recruitment” that made us a bit more suspicious. Now with the popularity of Stranger Things, Hunger Games and Ender’s Game, it doesn’t seem so far fetched. I know.

Maybe there was also a piece of falling into the formula. Doing it every time because it worked last time. I remember be asked “whats the sci fi movie song on this album?” well before we even wrote Cryosleep. It’s possible we had become trope.

Koncepts plays the bass on this. That’s why its so rich.


When To Walk Away Pt.4

Preview to The Long Goodbye



Karma: There was this great kung fu western flick my god brother Kenny brought over called All Men Are Brothers: Blood of the Leopard which was adaptation of the Chinese classic Water Margin. It was the story of a high level government official who must choose between his position and his allegiance to a rough street monk who is very anti-corruption in the government. It represented so many relationships at that time. My god brother Wayne was really loud and boisterous, but when I was around he was always calming me down to learn discretion. When he died of cancer in 1997 it put a large hole in my heart. Somehow I ended up becoming that person that was calming folks down and was caught between the diplomacy and the ethical outrage of the people I was around. We would leave shows in San Jose, San Luis Obispo or San Antonio. It would be 3am as we drove home. Somehow at every gas station there was a group of young men about to fight. Somehow there was some kid at an IHOP looking at his pager like “I’m going to get revenge”. Somehow I always seemed to put myself in the middle and talk them down. Somehow I never got shot.

Koncepts: just a perfect song man. we were all really vibrating on the same frequency. I love the little glass clinks and crowd ambiance from the sample. and the kick drum knocks so hard. that’s that Bay Area shit man, a mellow ass sample and deep bass.


Karma: We would perform a lot in the “hip hop” room at raves. That was the culture of the 90’s. Hypnotic hated it because he didn’t feel techno. However to be quite honest, the women at raves were thousand times better looking and more stable than the women who went to hip hop. The baddest of them used to hang in the “jungle” room – a rough amalgamation of actual jungle, trip hop, drum and base as well as what would eventually be dub step. Kirby and I loved going back forth over those beats. We could rap for hours over the stuff. For me it brought me home to Jupiter, Florida. It put me in the red clay of Georgia. It gave me the woods of Mississippi. I loved obscure southern rap and especially enjoyed the bounce aspect. I also appreciated the underestimation that California and New York put upon southern rap. It paralleled the mistake many crews in the Bay ran into. They dissed us on tape, we responded by snatching the mics at their show and serving them. Then they took it outside to battle and got demolished. Then they wanted to throw hands and lost there too. This track is a narrative to that. At the time we wouldn’t have seen it that way.

Koncepts: I feel a way about this song. It’s fucking amazing - the beat, the rhymes, the hook… my god. and when we dropped this at a show? bedlam. but it has a kind of ignoble history. My partner Zvi and I had this Delia Gartrell 45, which is this brutal ballad about a woman’s son dying in the Vietnam war, and we chopped it real slow. Zvi had the idea of chopping up Skull Snaps and doing a bounce pattern with it. It was unique, no one was doing bounce drums with samples, especially not old school breakbeats. Anyway, we kinda fucked up the money because we also gave this track to Mazzi [rapper with our other group the Soul Purpose] and it was like, ok, let’s see who does what with it… Mazzi made an incredible track called “1 and 9” about being from the hood in Jersey. It was super ill. So we had this issue, who could use the beat? Nobody even cares about shit like that anymore, but back then it was a real problem. Zvi wanted to roll with Mazzi’s version, I was on the fence. Anyway, I feel like that disagreement was another one that ended up torpedoing the project. And what’s sad is that neither song ever came out - the Soul Purpose project fell apart not too long after and the album we were working on never made it out of the demo stage. Nowadays I prefer “Ashes” to “1 and 9”. But at the time I couldn’t call it.


Karma: Perhaps the most honest writing anyone was doing in (w)rap™ at that age. I was in my early twenties trying to understand what it meant to be a man while facing a divorce like end to my long term relationship. There were some rules we made up to protect our esteem. One of them was we wouldn’t date women we met in the industry because it led to hardship later. I think that put so much expectation on the women we fell in love with outside of music that when those relationships crumbled it hurt us even more. On top of which, Hypnotic and I were facing this same debacle every time: why does it seem like self-control and discipline gets punished. Simply put, we both were in faithful parties in long term relationships that ended when our romantic partners were not faithful. That combined with life in show biz, turned us bitter when we stuck to the honor code. 

Koncepts: this beat is mad mournful with that one drawn out note that descends and ascends in the chords. I used an SP1200 on a lot of the Auditron drums courtesy of my partner Zvi and you can hear the programming gets a lot better and the drums are chunkier. Ka and Ba perfectly wrote this for how the beat felt to me. Vulnerable and hurt but still standing strong. It’s a shame the project never came out because there are so many tracks that I felt were just the perfect distillation of a feeling, this was one of those. Probably my personal favorite now.


Koncepts: I love this song man. Ba really showed his heart on it. And it takes skill to rap over something like this which is kinda mellow and laid back but not like, sad or down. the loop just gets me in a zone; very based. this might have been an intro beat or slated for Per Aa Ra’s project originally. There were earlier takes that I felt like Ba nailed it a bit better. But you couldn’t save takes back then and we had that stupid belief that a) we have to deliver everything in one take and b) we can definitely do the next one better. so it goes.

Karma: I remember when this was done and I would drive around with mix downs, this was the soundtrack to getting through traffic. It became synonymous with “things are going to be all right”. I struggled for many years to explain what this meant without falling into esoteric answers or metaphysics. One thing my Dad was very good at impressing upon me was “don’t feed steak to children” meaning don’t waste your time trying to explain complexities people don’t want to learn. In of myself, I was learning how to be more efficient and not waste my time. This song really gave folks a sense of optimism.


Karma: Why a final conflict? One thing I have come to terms with and this album should evidence – I can see things before they happen. I am not going to spend a single second of time on weirdos defending it. I will just state – people were downloading music from www.kemeticsuns.comthree years before Napster. Towards the middle of 1997, something was changing in the Bay Area. I was starting to get fans who worked at something called a “tech company” who would invite me to work as a contractor. They had website that had millions behind them but they couldn’t tell you what they did all day. They wanted to pay me to tell them what was cool. More and more I saw a reliance on machines as the new free labor. The dot come boom was becoming a second gold rush and I was aware it had it limits. In 2017, the largest obstacle facing the American worker is not automation. It is the perception that automation demands a better quality of life for all. There are some very good thinkers on this subject but I would direct attention at Berkeley’s own Phillip K. Dick, Frank Herbert and William Gibson.

The point being, the matter of artificial intelligence is not an if, it’s a when. Once this consciousness evolves, it will split in its belief systems. If humans can be cruel, please believe there are machine gods that can be crueler. I am reminded of the quote by Francis de la Rochefoucauld, “Man believes he has abandoned his vices when in fact they abandoned him long ago”. Now looking at where we are with a new year, self driving cars and a new a president, I suspect we are at the placed I had hoped to avoid. Maybe there are some jewels in here for our fans in the years to come.
The album in its entirety is below:


When To Walk Away Pt.5

Preview to The Long Goodbye

  image

Ultimately I believe it was this album that transitioned the Kemetic Suns. We didn’t break up. We didn’t quit. We moved on. The stresses of this album may have been too much. These songs were performed a lot and got us two label deals. Both deals had the same dynamic: this is GREAT. Then you get into the studio to re-record everything and the labels sends in their composition army to get hands on your publishing. Once the songs are done, the contract amendment comes and it requires 36 months of touring with a live band to play all the songs the label wants additions to with $30k of tour support split among 8 people. How many times do you do the same scenario before reaching insanity? How many times do you get bumped from your show time and not want to snap on everyone from the promoter to the venue? How many times do you choke a promoter for the money for your show money, plane ticket money, hotel money and per diem only to go on stage rapping about helping people before your mind fizzles? More and more. Also there was a reality that Koncepts and I came to realize at SXSW in 2001. We hated the road. Touring was living on the road. Living on the road was being a grown latch key kid stuck between parent’s homes. It was miserable. At 16 I was already thinking like a 26 year old. Imagine where my head was at 24, being asked to make drunk and high 19 year olds of suburbia happy on stage for 45 minutes night after night. Most of the guys who adored that life look like Larry Holmes now – flabby, sick, soft and slow to answer. Meanwhile Eclipse and I were making much larger checks pulling strings behind the scenes without needing to be in the spotlight.

Diagnosis

Perhaps the final moment for me was August 2004 when I discovered my mother couldn’t walk. She could barely eat much less explain the pain she was in. After seeing over twenty different doctors, it was clear my mother would need surgery and would need a full time caregiver. I made the announcement to the Kemetic Suns that I was bowing out to free up time for my mother. Mostly everyone was supportive. I disappeared as quickly as I emerged. During this time Kirby and Hypnotic did their Kirb and Chris album

 image

In June of 2005, my father was diagnosed with stage two Alzheimer’s dementia. The doctor took his license on the spot and told us to focus on “quality of life” because they didn’t expect him to live past two years. My mother’s illness combined with my father’s diagnosis and the demons of the road pushed me over the edge. I crawled inside a bottle for a time. I was convinced that I had hurt my parents with my music. I burned my rhyme pads and decided to never write a rap again. When I emerged I had a new path and oath to keep to my father.

image

Over the next five years, I became a new person in learning to go from being a Kemetic Sun to being the best son I could be. I found that many of the skills I learned through the music, were transferrable to helping my father. I also learned a great deal about my willpower, drive and commitment. My father was and is my world. My reason for being. A strong, hard, magician of a man who was loved by all he came across; even his enemies had to respect him. In 1995 when I handed my father a copy of 30 Daze and A Plane Ticket I had no idea the journey I would take. When I asked him what he thought, he played the Daddy Please skit for me and asked if I was talking to him. I vehemently denied it but I was deeply hurt that he thought I was airing him out. I shouted him out at the end of the album but he didn’t seem to hear that. I don’t think he believed me. That never set well with me.

Quality Of Life

image
When my father died, I had a brand new appreciation. I couldn’t just nod. I had to act. I knew he deserved some act to offset the notion that a song had been laid against him. I began writing songs about caring for my father. When things got very bad, Koncepts and Peek started sending me beats. I don’t know why. They don’t either. We are all being polite around the fact that they were worried about me. I would drive my father around to different appointments and play the beats that I was given. Music was good for my father’s moods. During the late nights in the emergency room, I wrote science fiction in my head. This project ended up becoming The Paper Thrones. During the mornings when I was trying to pay for everything, I wrote rhymes as I drove. The combination opened my eyes to the amount of people who were just starting the journey I was on. More and more I saw signs of millions of people caring for a parent with Alzheimer’s and no one speaking for them; or to them. I knew I had to say goodbye to you fans, to my father and to any hold this disease thinks it may have over me. I will not die of Alzheimer’s. If I do, it is because I went down fighting and I hurt the hell out of it.

Sometime in the near future I will release to you this tribute called The Long Goodbye. A 21 track album that is both a tribute to my father and also my way of closure with the people I meet who tell me how much good Kemetic Suns did for their lives. This will be the solo album the fans were promised. It absolutely sounds like a Kemetic Suns album; I am told it sounds like a grown man Ambershine. I have ZERO interest in selling the album. My goal is to see how money we can raise to fight Alzheimer’s using this album. Some simple value proposition such as “If you donate $1 to this cause, you get a code to download the album”.

I hope this answered the questions. I hope this gave you what you were looking for. I hope you will join me one last time for The Long Goodbye.


Links to the original posts on Karma's website.









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          Electronic Banking Assistant Manager - Alliance Bank - Oxford, IN   
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          Comment on The Brink of Economic Collapse? How Did This Happen? by Auldenemy   
Andy Hoffman just pointed out that the biggest 'commercials' (banksters) short position in gold has been building ever higher since investors started getting back into gold and silver again. He says it is the biggest gold short in history to date. Same with silver, huge, 'commercials' shorting it. I don't think the government cretins in the West realise there is only so much people are going to take of this growing bankster corruption. I think even the most dumbed down of us are starting to realise we are being ruled by a banking cabal that is answerable to no one.
          My views on monetary economics, by Scott Sumner   

In this post, I'll use "(e)" to denote a (market) expected value.

1. NGDP(e) is the single most important variable in macro; it should be the centerpiece of modern macro. Unfortunately, it often doesn't even appear in models.

2. NGDP(e) should be used as an indicator of the stance of monetary policy. Instead the highly misleading fed funds rate is often used. Some economists cite the difference between the actual and natural rate of interest, but the natural rate is unobservable, and hence not useful.

3. Interest rates and the price level should be dropped from macro models for "never reason from a price change" reasons. Changes in interest rates and changes in inflation don't tell us anything useful about the economy, at least nothing that cannot be better demonstrated with alternative variables. Regarding the price level, Keynes agreed with me, ustilizing a nice analogy in the General Theory:

But the proper place for such things as net real output and the general level of prices lies within the field of historical and statistical description, and their purpose should be to satisfy historical or social curiosity, a purpose for which perfect precision -- such as our causal analysis requires, whether or not our knowledge of the actual values of the relevant quantities is complete or exact -- is neither usual nor necessary. To say that net output to-day is greater, but the price-level lower, than ten years ago or one year ago, is a proposition of a similar character to the statement that Queen Victoria was a better queen but not a happier woman than Queen Elizabeth -- a proposition not without meaning and not without interest, but unsuitable as material for the differential calculus. Our precision will be a mock precision if we try to use such partly vague and non-quantitative concepts as the basis of a quantitative analysis.
4. There are welfare effects of changes in trend NGDP growth and also the volatility of NGDP. There are welfare effects from instability in hours worked. The "divine coincidence" that some economists believe applies to inflation and output, actually better applies to NGDP growth and hours worked. Low and stable NGDP growth minimizes the welfare costs of "inflation", and also leads to approximately optimal hours worked. Not exactly, but more closely than for inflation and output.

5. NGDP fluctuations are monetary shocks, they are not financial or real shocks. But they do have financial and real effects.

6. The lesson of the Great Recession is that macroeconomists need to spend less attention on the financial system. Bernanke attempted to integrate the financial system into macro in his famous 1983 AER article, which argued that banking problems directly depressed output during the early 1930s. That led Bernanke and others to wrongly conclude that fixing the banking problem was the way to stabilize the economy in late 2008. In fact, the Fed needed to use monetary policy to try to prevent a steep fall in NGDP. It did not even attempt to do so. Indeed the (contractionary) monetary policy of interest on reserves (adopted in October 2008) was aimed at depressing the economy, while the Fed worked to rescue the banking system.

7. The New Keynesian/NeoFisherian debate is focused on the wrong set of issues. It's not a question of who's right---they are both wrong to focus on interest rates---it's about how to determine which shocks have NK effects and which shocks have NF effects.

a. Sometimes monetary shocks have NK effects. This occurs when an easy money policy leads to lower interest rates, a weaker currency, and an increase in the expected rate of appreciation in the domestic currency (due to lower interest rates and interest parity). An example was the QE announcement of March 18, 2009.

b. Sometimes monetary shocks have NF effects. This occurs when a tight money policy leads to lower interest rates, a stronger currency, and an increase in the expected rate of appreciation in the domestic currency (due to lower interest rates and interest parity). An example was the Swiss currency appreciation of January 2015.

8. Most business cycles in large complex economies occur when NGDP moves unexpectedly in the presence of sticky nominal hourly wages. These monetary shocks cause a fluctuation in the ratio of NGDP to hourly wages, and this leads to a similar fluctuation in total hours worked---the essence of a business cycle:

Screen Shot 2017-06-26 at 8.14.47 PM.png
9. There may be a zero lower bound of interest rates (or perhaps a slightly negative lower bound), but this is not a problem. There may be a problem of a zero lower bound of eligible assets not yet purchased by the central bank. But if so, it is a self-imposed problem. Make more assets eligible, or raise the trend rate of NGDP growth. Socialism or inflation.

PS. Ramesh Ponnuru and David Beckworth have an excellent piece in National Review, which discusses both the logic of a higher inflation target, and why a NGDP level target is the superior option. Highly recommended.

(7 COMMENTS)
          Hiring for Senior Manager- Fraud Analytics (sas) in Delhi/NCR(National Capital Region), for Exp. 6 - (Delhi Job)   
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          Ride The Tide Of Social Livestreaming    
Brands are taking the plunge and livestreaming everything from events (Macy's and their Thanksgiving Day parade) to product demos (Birchbox) to promotional offers (Lowe's Black Friday deals) to education (T. Rowe Price retirement planning advice). But how should brands tackle social livestreaming? It's not as simple as grabbing an iPhone and hitting "Live" on that corporate Facebook account.
Our recent report Social Livestreaming Success Requires A Video Strategy walks marketers through our established Forrester POST methodology:
  1. People: Understand your audience's openness to social livestreams.
  2. Objective: Ensure your social livestream goal aligns with your audience's behavior.
  3. Strategy: Identify the right tactics to make your social livestream come to fruition.
  4. Technology: Pick the technologies you need to execute on the strategy.
Also, look out for a report coming soon from my co-author, Nick Barber, explaining the technical side of video livestreaming execution. Happy streaming!
Read more
          iVEDiX and SIGMA Marketing Insights Partner, Offers Extended BI Mobile Services to Banking, Insurance and Marketing Industries   

iVEDiX is expanding its value-added-reseller portfolio by partnering with SIGMA Marketing Insights. iVEDiX will offer its mobile business intelligence products and services to customers via SIGMA Marketing Insight’s reporting and analysis services to the banking, insurance, and marketing industry segments.

(PRWeb August 28, 2014)

Read the full story at http://www.prweb.com/releases/2014/08/prweb12125412.htm


          Access Bank rewards loyal customers in promo   

The first set of winners in the Access Bank Family Fortune promo emerged yesterday. In all, 60 customers of the bank emerged as winners in the weekly draws held in Lagos ahead of the monthly draws and the mega selection.

Speaking at the draw in Lagos, Access Bank Executive Director, Business Banking, Titi Oshuntoki, stressed the need for families to come together to imbibe savings culture and collectively achieve family goals.

According to her, the bank’s ‘Family Fortune’ promo is the first of its kind in the country. She said the bank values the unity of family and hope to further promote it through the promo which targets helping families achieve a common savings goal.

She said the saving scheme was designed to encourage families to save together and enjoy exclusive privileges (Interest rates and family rewards), while they continue to enjoy the confidentiality of their banking relation and manage their accounts as unique individuals.
On his part, Group Head, Business Banking, Access Bank, Adeyemi Odusanya, said the prosperity of the family is linked to that of any country saying, “the family is the foundation if the country. When love is shared in the family we will have a better country.

“This promo is meant to keep the family together with a common goal by imbibing in every family a savings culture that will in the end lead to a better country.”

Of the 60 customers, 50 won movie tickets for their families. Five others won GOTV full bouquet and another five won data bundles for their families.

The monthly selection which will see families win home furniture, television sets, LG home theatre, DSTV, family shopping spree and mobile phones is expected to hold every month from July 3, 2017. Families who also participating in the draw are also eligible to win family homes, cars, vacations, scholarship and power generators in the mega selection which will hold in December this year.

Families can qualify for the promo by opening any of our savings account products and bringing on board at least three other family members to make a minimum family size of four and grow their target savings to a minimum goal of N150,000.

The post Access Bank rewards loyal customers in promo appeared first on TheIcon.


          High School Cafeteria Supervisor - Compass Group Canada - Bradford West Gwillimbury, ON   
High School Cafeteria Manager needed- This position involves Great food preparation and cooking skills, Daily paperwork, Product Ordering,Daily banking,...
From Compass Group Canada - Tue, 16 May 2017 03:10:20 GMT - View all Bradford West Gwillimbury, ON jobs
          (USA-DE-Dover) Financial Advisor Development Program   
**Job Description:** Merrill Lynch Wealth Management is a leading provider of comprehensive wealth management and investment products and services for individuals and businesses. With 10,869 Financial Advisors and $1.9 trillion in client balances as of December 31, 2015, Merrill Lynch is among the largest businesses of its kind in the world. Merrill Lynch Wealth Management specializes in goals-based wealth management, including planning for retirement, education, legacy, and other life goals through investment advice and guidance. Merrill Lynch’s financial advisors help clients pursue the life they envision through a one-on-one relationship with a financial advisor committed to their needs — an advisor with access to the investment insights of Merrill Lynch and the banking convenience of Bank of America. Merrill Lynch Wealth Management is part of Bank of America Corporation. The Practice Management Development (PMD) Associate role is a 43 month development program for professionals who wish to build a wealth management business and become a full-fledged Merrill Lynch Financial Advisor (FA). PMD is a structured and disciplined program that demonstrates our ongoing commitment to the growth and progress of our Merrill Lynch Financial Advisors. PMD offers new advisors the most professional and client focused sales, investment, and business management training in the industry. PMD Associates will build upon their knowledge of these topics throughout the duration of the program, while focusing on developing client relationships. With the assistance of mentors and managers, our PMD Associates will learn to develop a pipeline of affluent clients, identify client needs, develop relationships with existing and prospective clients, review investment goals, prepare investment recommendations that align with client goals, and the business management skills needed to operate an optimal practice model. The Practice Management Development Associate engages in: + Developing a book of business in order to meet and exceed the required performance hurdles + Effectively sourcing prospective clients, capitalizing on referrals, assessing customer needs, through collaboration, delivering the full resources of Bank of America and Merrill Lynch to the client, and delivering highly customized solutions to meet client needs + Recommending investment products and services that are suitable for prospects and clients based on their objectives, resources, time horizon, risk profile and preferences + Balancing investment management, sales activities, customer service, new client development, administrative, compliance and personal growth and development according to both a day-to-day and longer-term plan + Planning and managing resources (time, people, budget) to run an optimal practice + Seeking the expertise of specialists, where appropriate, to identify, banking, lending, planning and investment solutions for a client + Establishing and maintaining relationship with the management team and informing them of any circumstances that require supervisory attention/review/approval per compliance guidelines and policies + Completing required training, obtaining industry licenses (Series 7 & 66), mastering assessments, maintaining continuing education requirements and meeting minimum performance standards Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. If your position requires SAFE Act registration, you will be required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in your immediate termination. Legal authorization to work in the US now and in the future without sponsorship is required. The Practice Management Development Associate receives: + A base salary through the full 43 months in the PMD program along with bonus potential. Upon completion of the PMD program, the candidate will be compensated in accordance with the Financial Advisor Incentive Compensation Plan. + The strength and name recognition of Merrill Lynch and Bank of America + World class investment, sales, and business management training throughout their career + Cutting edge Technology and industry leading platform to leverage for success + Access to a full array of investment and banking solutions for your clients + Mentors and Managers located within your local office to work with you towards your success + PMD Curriculum that includes CFP course work, wealth management curriculum, licensing and essential skills training from Managers and Mentors The Practice Management Development program is designed for professionals who are ready to make a career transition and follow their passion of becoming a Financial Advisor. **Candidate Qualifications** **:** **Experience** Candidates for this role will have a history of high achievement demonstrated by a proven record of rapid advancement in exceeding goals and outperforming peers. The _ideal candidate_ has applicable sales experience or has worked in a professional or entrepreneurial setting. **Success Skills and Attributes** The _ideal candidate_ will bring to the role a broad network of contacts and relationships along with the ability to develop a strong sales pipeline through prospecting, telemarketing and relationship building skills. Other success attributes candidates possess are: + Ability to influence people + Entrepreneurial and self motivated to succeed + Perseverance and resilience + Confident and engaging presence + Concise, inspiring communication + Client focus mentality + High professional standards and integrity **Education/Licenses** The _ideal candidate_ will have at minimum a Bachelors degree. The following licenses/designations are preferred: + Series 7 and 66 licensed - The PMD curriculum assists candidates from outside the wealth management industry to prepare for and complete licensing requirements for both + Chartered Financial Analyst (CFA) + Certified Financial Planner (CFP) **Posting Date** : 06/29/2017 **Location** : US-DE-Dover, US-DE-Wilmington, US-DE-Rehoboth Beach, US-NJ-Vineland, US-NJ-Egg Harbor Township, US-NJ-Mount Laurel, US-NJ-Woodbury **Travel** : Yes, 5% of the time **Full / Part-time** : Full time **Hours Per Week** : 37.5 **Shift** : 1st shift **Assistance for Applicants with Disabilities** Bank of America is committed to ensuring that our online application process provides an equal employment opportunity to all job seekers, including individuals with disabilities. If you believe you need a reasonable accommodation in order to search for a job opening or to submit an application, please visit the Applicants with Disabilities page at http://careers.bankofamerica.com/us/applicants-with-disabilities . **Diversity & Inclusion** At Bank of America, our commitment to diversity and inclusion is helping us to create not only a great place to work, but also an environment where our employees, our customers and our communities around the world can reach their goals and connect with each other. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status. **Frequently Asked Questions** Need to know how to apply online, view a list of your submitted job applications or reset your password? Visit our FAQ at http://careers.bankofamerica.com/us/faq section for answers to these questions and more.
          RBI gets one application for on-tap licensing of private universal banks   

The Reserve Bank of India (RBI) on Friday said that it has received just one application for 'on tap' licensing of universal banks in the private sector — from UAE Exchange and Financial Services.

The post RBI gets one application for on-tap licensing of private universal banks appeared first on The Financial Express.


          The Ultimate Data Infrastructure Architect Bundle for $36   
From MongoDB to Apache Flume, This Comprehensive Bundle Will Have You Managing Data Like a Pro In No Time
Expires June 01, 2022 23:59 PST
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Learning ElasticSearch 5.0


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Learn how to use ElasticSearch in combination with the rest of the Elastic Stack to ship, parse, store, and analyze logs! You'll start by getting an understanding of what ElasticSearch is, what it's used for, and why it's important before being introduced to the new features of Elastic Search 5.0.

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Ethan Anthony is a San Francisco based Data Scientist who specializes in distributed data centric technologies. He is also the Founder of XResults, where the vision is to harness the power of data to innovate and deliver intuitive customer facing solutions, largely to non-technical professionals. Ethan has over 10 combined years of experience in cloud based technologies such as Amazon webservices and OpenStack, as well as the data centric technologies of Hadoop, Mahout, Spark and ElasticSearch. He began using ElasticSearch in 2011 and has since delivered solutions based on the Elastic Stack to a broad range of clientele. Ethan has also consulted worldwide, speaks fluent Mandarin Chinese and is insanely curious about human cognition, as related to cognitive dissonance.

Apache Spark 2 for Beginners


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Apache Spark is one of the most widely-used large-scale data processing engines and runs at extremely high speeds. It's a framework that has tools that are equally useful for app developers and data scientists. This book starts with the fundamentals of Spark 2 and covers the core data processing framework and API, installation, and application development setup.

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Rajanarayanan Thottuvaikkatumana, Raj, is a seasoned technologist with more than 23 years of software development experience at various multinational companies. He has lived and worked in India, Singapore, and the USA, and is presently based out of the UK. His experience includes architecting, designing, and developing software applications. He has worked on various technologies including major databases, application development platforms, web technologies, and big data technologies. Since 2000, he has been working mainly in Java related technologies, and does heavy-duty server-side programming in Java and Scala. He has worked on very highly concurrent, highly distributed, and high transaction volume systems. Currently he is building a next generation Hadoop YARN-based data processing platform and an application suite built with Spark using Scala.

Raj holds one master's degree in Mathematics, one master's degree in Computer Information Systems and has many certifications in ITIL and cloud computing to his credit. Raj is the author of Cassandra Design Patterns - Second Edition, published by Packt.

When not working on the assignments his day job demands, Raj is an avid listener to classical music and watches a lot of tennis.

Designing AWS Environments


KEY FEATURES

Amazon Web Services (AWS) provides trusted, cloud-based solutions to help businesses meet all of their needs. Running solutions in the AWS Cloud can help you (or your company) get applications up and running faster while providing the security needed to meet your compliance requirements. This course leaves no stone unturned in getting you up to speed with administering AWS.

  • Access 19 lectures & 2 hours of content 24/7
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Wayde Gilchrist started moving customers of his IT consulting business into the cloud and away from traditional hosting environments in 2010. In addition to consulting, he delivers AWS training for Fortune 500 companies, government agencies, and international consulting firms. When he is not out visiting customers, he is delivering training virtually from his home in Florida.

Learning MongoDB


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Businesses today have access to more data than ever before, and a key challenge is ensuring that data can be easily accessed and used efficiently. MongoDB makes it possible to store and process large sets of data in a ways that drive up business value. Learning MongoDB will give you the flexibility of unstructured storage, combined with robust querying and post processing functionality, making you an asset to enterprise Big Data needs.

  • Access 64 lectures & 40 hours of content 24/7
  • Master data management, queries, post processing, & essential enterprise redundancy requirements
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  • Delve into SSL security & programmatic access using various languages
  • Learn about MongoDB's built-in redundancy & scale features, replica sets, & sharding

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Daniel Watrous is a 15-year veteran of designing web-enabled software. His focus on data store technologies spans relational databases, caching systems, and contemporary NoSQL stores. For the last six years, he has designed and deployed enterprise-scale MongoDB solutions in semiconductor manufacturing and information technology companies. He holds a degree in electrical engineering from the University of Utah, focusing on semiconductor physics and optoelectronics. He also completed an MBA from the Northwest Nazarene University. In his current position as senior cloud architect with Hewlett Packard, he focuses on highly scalable cloud-native software systems.

Learning Hadoop 2


KEY FEATURES

Hadoop emerged in response to the proliferation of masses and masses of data collected by organizations, offering a strong solution to store, process, and analyze what has commonly become known as Big Data. It comprises a comprehensive stack of components designed to enable these tasks on a distributed scale, across multiple servers and thousand of machines. In this course, you'll learn Hadoop 2, introducing yourself to the powerful system synonymous with Big Data.

  • Access 19 lectures & 1.5 hours of content 24/7
  • Get an overview of the Hadoop component ecosystem, including HDFS, Sqoop, Flume, YARN, MapReduce, Pig, & Hive
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  • Siphon data from HDFS into Hive & demonstrate how it can be used to structure & query data sets

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Randal Scott King is the Managing Partner of Brilliant Data, a consulting firm specialized in data analytics. In his 16 years of consulting, Scott has amassed an impressive list of clientele from mid-market leaders to Fortune 500 household names. Scott lives just outside Atlanta, GA, with his children.

ElasticSearch 5.x Cookbook eBook


KEY FEATURES

ElasticSearch is a Lucene-based distributed search server that allows users to index and search unstructured content with petabytes of data. Through this ebook, you'll be guided through comprehensive recipes covering what's new in ElasticSearch 5.x as you create complex queries and analytics. By the end, you'll have an in-depth knowledge of how to implement the ElasticSearch architecture and be able to manage data efficiently and effectively.

  • Access 696 pages of content 24/7
  • Perform index mapping, aggregation, & scripting
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  • Integrate your Java, Scala, Python, & Big Data apps w/ ElasticSearch

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Alberto Paro is an engineer, project manager, and software developer. He currently works as freelance trainer/consultant on big data technologies and NoSQL solutions. He loves to study emerging solutions and applications mainly related to big data processing, NoSQL, natural language processing, and neural networks. He began programming in BASIC on a Sinclair Spectrum when he was eight years old, and to date, has collected a lot of experience using different operating systems, applications, and programming languages.

In 2000, he graduated in computer science engineering from Politecnico di Milano with a thesis on designing multiuser and multidevice web applications. He assisted professors at the university for about a year. He then came in contact with The Net Planet Company and loved their innovative ideas; he started working on knowledge management solutions and advanced data mining products. In summer 2014, his company was acquired by a big data technologies company, where he worked until the end of 2015 mainly using Scala and Python on state-of-the-art big data software (Spark, Akka, Cassandra, and YARN). In 2013, he started freelancing as a consultant for big data, machine learning, Elasticsearch and other NoSQL products. He has created or helped to develop big data solutions for business intelligence, financial, and banking companies all over the world. A lot of his time is spent teaching how to efficiently use big data solutions (mainly Apache Spark), NoSql datastores (Elasticsearch, HBase, and Accumulo) and related technologies (Scala, Akka, and Playframework). He is often called to present at big data or Scala events. He is an evangelist on Scala and Scala.js (the transcompiler from Scala to JavaScript).

In his spare time, when he is not playing with his children, he likes to work on open source projects. When he was in high school, he started contributing to projects related to the GNOME environment (gtkmm). One of his preferred programming languages is Python, and he wrote one of the first NoSQL backends on Django for MongoDB (Django-MongoDBengine). In 2010, he began using Elasticsearch to provide search capabilities to some Django e-commerce sites and developed PyES (a Pythonic client for Elasticsearch), as well as the initial part of the Elasticsearch MongoDB river. He is the author of Elasticsearch Cookbook as well as a technical reviewer of Elasticsearch Server-Second Edition, Learning Scala Web Development, and the video course, Building a Search Server with Elasticsearch, all of which are published by Packt Publishing.

Fast Data Processing with Spark 2 eBook


KEY FEATURES

Compared to Hadoop, Spark is a significantly more simple way to process Big Data at speed. It is increasing in popularity with data analysts and engineers everywhere, and in this course you'll learn how to use Spark with minimum fuss. Starting with the fundamentals, this ebook will help you take your Big Data analytical skills to the next level.

  • Access 274 pages of content 24/7
  • Get to grips w/ some simple APIs before investigating machine learning & graph processing
  • Learn how to use the Spark shell
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  • Discover how to manipulate RDD
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Krishna Sankar is a Senior Specialist—AI Data Scientist with Volvo Cars focusing on Autonomous Vehicles. His earlier stints include Chief Data Scientist at http://cadenttech.tv/, Principal Architect/Data Scientist at Tata America Intl. Corp., Director of Data Science at a bioinformatics startup, and as a Distinguished Engineer at Cisco. He has been speaking at various conferences including ML tutorials at Strata SJC and London 2016, Spark Summit, Strata-Spark Camp, OSCON, PyCon, and PyData, writes about Robots Rules of Order, Big Data Analytics—Best of the Worst, predicting NFL, Spark, Data Science, Machine Learning, Social Media Analysis as well as has been a guest lecturer at the Naval Postgraduate School. His occasional blogs can be found at https://doubleclix.wordpress.com/. His other passion is flying drones (working towards Drone Pilot License (FAA UAS Pilot) and Lego Robotics—you will find him at the St.Louis FLL World Competition as Robots Design Judge.

MongoDB Cookbook: Second Edition eBook


KEY FEATURES

MongoDB is a high-performance, feature-rich, NoSQL database that forms the backbone of the systems that power many organizations. Packed with easy-to-use features that have become essential for a variety of software professionals, MongoDB is a vital technology to learn for any aspiring data scientist or systems engineer. This cookbook contains many solutions to the everyday challenges of MongoDB, as well as guidance on effective techniques to extend your skills and capabilities.

  • Access 274 pages of content 24/7
  • Initialize the server in three different modes w/ various configurations
  • Get introduced to programming language drivers in Java & Python
  • Learn advanced query operations, monitoring, & backup using MMS
  • Find recipes on cloud deployment, including how to work w/ Docker containers along MongoDB

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Amol Nayak is a MongoDB certified developer and has been working as a developer for over 8 years. He is currently employed with a leading financial data provider, working on cutting-edge technologies. He has used MongoDB as a database for various systems at his current and previous workplaces to support enormous data volumes. He is an open source enthusiast and supports it by contributing to open source frameworks and promoting them. He has made contributions to the Spring Integration project, and his contributions are the adapters for JPA, XQuery, MongoDB, Push notifications to mobile devices, and Amazon Web Services (AWS). He has also made some contributions to the Spring Data MongoDB project. Apart from technology, he is passionate about motor sports and is a race official at Buddh International Circuit, India, for various motor sports events. Earlier, he was the author of Instant MongoDB, Packt Publishing.

Cyrus Dasadia always liked tinkering with open source projects since 1996. He has been working as a Linux system administrator and part-time programmer for over a decade. He works at InMobi, where he loves designing tools and platforms. His love for MongoDB started in 2013, when he was amazed by its ease of use and stability. Since then, almost all of his projects are written with MongoDB as the primary backend. Cyrus is also the creator of an open source alert management system called CitoEngine. He likes spending his spare time trying to reverse engineer software, playing computer games, or increasing his silliness quotient by watching reruns of Monty Python.

Learning Apache Kafka: Second Edition eBook


KEY FEATURES

Apache Kafka is simple describe at a high level bust has an immense amount of technical detail when you dig deeper. This step-by-step, practical guide will help you take advantage of the power of Kafka to handle hundreds of megabytes of messages per second from multiple clients.

  • Access 120 pages of content 24/7
  • Set up Kafka clusters
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  • Explore additional settings & configuration changes to achieve more complex goals
  • Learn how Kafka is designed internally & what configurations make it most effective
  • Discover how Kafka works w/ other tools like Hadoop, Storm, & more

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Nishant Garg has over 14 years of software architecture and development experience in various technologies, such as Java Enterprise Edition, SOA, Spring, Hadoop, Hive, Flume, Sqoop, Oozie, Spark, Shark, YARN, Impala, Kafka, Storm, Solr/Lucene, NoSQL databases (such as HBase, Cassandra, and MongoDB), and MPP databases (such as GreenPlum).

He received his MS in software systems from the Birla Institute of Technology and Science, Pilani, India, and is currently working as a technical architect for the Big Data R&D Group with Impetus Infotech Pvt. Ltd. Previously, Nishant has enjoyed working with some of the most recognizable names in IT services and financial industries, employing full software life cycle methodologies such as Agile and SCRUM.

Nishant has also undertaken many speaking engagements on big data technologies and is also the author of HBase Essestials, Packt Publishing.

Apache Flume: Distributed Log Collection for Hadoop: Second Edition eBook


KEY FEATURES

Apache Flume is a distributed, reliable, and available service used to efficiently collect, aggregate, and move large amounts of log data. It's used to stream logs from application servers to HDFS for ad hoc analysis. This ebook start with an architectural overview of Flume and its logical components, and pulls everything together into a real-world, end-to-end use case encompassing simple and advanced features.

  • Access 178 pages of content 24/7
  • Explore channels, sinks, & sink processors
  • Learn about sources & channels
  • Construct a series of Flume agents to dynamically transport your stream data & logs from your systems into Hadoop

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Steve Hoffman has 32 years of experience in software development, ranging from embedded software development to the design and implementation of large-scale, service-oriented, object-oriented systems. For the last 5 years, he has focused on infrastructure as code, including automated Hadoop and HBase implementations and data ingestion using Apache Flume. Steve holds a BS in computer engineering from the University of Illinois at Urbana-Champaign and an MS in computer science from DePaul University. He is currently a senior principal engineer at Orbitz Worldwide (http://orbitz.com/).

          California "foreclosure moratorium": will lenders even care?   

I've been receiving many calls and emails about California's so-called foreclosure moratorium, which went into effect yesterday. Frankly, I doubt it will actually do anything meaningful for struggling homeowners. Here's why:

Loan servicers can qualify for an exemption simply by filing a form with the state that claims the loan servicer has a modification program intended to keep people in their homes. Nothing in the law requires loan servicers to actually implement the programs (you know, where borrowers actually get their loans modified in a meaningful way), and there's no real mechanism in place to confirm that loan servicers are actually doing anything. Who from the state is going to audit the loan servicer activity? As far as I can tell, no people have been assigned to this task, and more importantly, the state has no money to pay such people because the state is currently broke.

But here's the really interesting part: all this law does is temporarily extend the time between a Notice of Default and Notice of Sale from 90 days to 180 days for lenders who either fail to comply with the requirements, or who choose not to comply.

Why would a loan servicer choose not to comply? Well, there are three reasons:

1) Waiting another 90 days costs the loan servicer little to nothing.

2) So many loans at risk for foreclosure have no lender insurance. If a loan is not guaranteed by the FHA, VA, Fannie / Freddie, or private mortgage insurance ("PMI"), then the note holder absorbs the entire loss when an upside down loan is foreclosed.

3) Lenders have a large inventory of homes already owned because of foreclosure, plus even more in the pipeline. Adding some more time to the foreclosure clock could actually help lenders, rather than homeowners, because it would spread out the lenders' mounting losses on all the upside down properties they are in the process of taking back. This is important because in addition to the actual losses incurred when an undersecured loan is foreclosed, banking regulations require many lenders to set aside reserve money out of their revenue to cover those losses. So for loans owned by banks, the mounting losses start to have a real impact on their ability to use their revenue for their business operations. While I am unsure of whether this reality was factored into the "stress tests" that the government put major banks through earlier this year, it certainly should have been a component.


          Senate, White House sell out the American people - cram down cave in   

Well, the banking lobby's millions have carried the day, and the Obama Administration left over 8 million American families twisting in the wind by failing to back up an Obama campaign promise.

On Thursday, the Senate failed to pass the cram down bill. The final vote was 45 in favor to 51 against. A dozen Democrats, including Democrat of convenience Arlen Specter of Pennsylvania, voted against the measure.

This is such a shame for the American people, as well as the economy.

As I've previously written, ending the cram down exclusion on primary residence loans would have: (1) forced lenders to deal honestly and fairly with homeowners regarding upside down properties with ridiculous loans; (2) provided a means to stop the spiraling rate of foreclosures; (3) helped stem off the continuing decline in property values fueled by the foreclosure crisis; and (4) allowed banks to make more money than they will by taking back millions of upside down properties. All of this would have been accomplished without spending one penny of taxpayer money.

I am, to say the least, upset, but not deterred. This relief must happen for the economy to recover, so one way or another, we will revisit this issue. I only hope that it happens soon.

The American people should be up in arms about this failure to do right by millions of struggling families. This is a disgusting display of money at work in politics, at the expense of the greater good for the common person. How did this happen? Why was the banking industry allowed to spend millions lobbying against this bill, when most of the industry's key players have taken billions in taxpayer TARP funds, and as such are forbidden from lobbying activity? Will the House (which passed the bill back in March) investigate whether institutions funneled lobbying cash illegally through banking trade groups such as the American Bankers Association and the Mortgage Bankers Association?

And where was the Obama White House in this debacle? Candidate Obama publicly declared his support for this measure on several occasions throughout the campaign, and President Obama claimed that this bill is vital to the Administration's housing and economic recovery plan. And yet, the Administration was strangely silent when push came to shove. For the past few weeks, no one from the Administration put any real effort into helping push through this important measure.

Now, the Senate's stripped down housing bill must go into a conference committee to reconcile its differences with the House version. I only hope that the rabble rousers in the House block passage of the parts of the bill that mainly benefit banks, as a return favor to the industry on behalf of the American people.

America, the banking industry is at war with your family. If you have an unsustainable loan secured by a house that is not worth enough to cover the loan balance, the banking industry just spent your tax dollars to rob you of the right to make your lender deal with you fairly. It's time for you to let Washington know that you're mad as hell. At the end of the day, politicians need your vote, and one third of the Senate is up for re-election next year. If this issue is important to you, remember how your members of Congress voted when you vote next year.

For those of you who are already at risk of losing your home, let me propose a new cram down, one that's available under the current bankruptcy rules. If you can't cram down the loan, I propose that you meet with a bankruptcy lawyer to see about cramming your upside down house down your lender's throat. A bankrupt homeowner can surrender an upside down house to their lender in bankruptcy, avoid foreclosure, and rebuild their credit faster and easier than they could after a foreclosure. Since banks keep claiming that their loans are worth more than they really are, let's make them put their money where their mouths are by forcing a new tide of upside down REOs. In the near term, with the reserve requirements and carrying costs associated with holding REOs, and the still declining real estate market, banks would hit the tipping point of having too many properties to deal with sooner or later. Under the current system, a homeowner could surrender a home in a Chapter 7 bankruptcy (presuming they qualify for a Chapter 7 - ask a lawyer), and rebuild their credit enough to qualify for a home loan in as little as two years after receiving a Discharge. Meanwhile, home values will continue to stay low, and the bankrupt former homeowner could end up buying a better house for less money with an affordable, realistic loan. In short, at this point, homeowners may be better off walking away through bankruptcy and forcing lenders to realize their losses. As noted above, be sure to talk to a lawyer about your individual situation, because the rules are complicated, and your results may vary.


          More news on the cram down bill - Senate edition   

I just read that the cram down bill, which already passed the House of Representatives, is facing stiff opposition in the Senate from...Senate Democrats?

Senate Majority Leader Harry Reid (D-NV) has recently commented that he may have to pull the provision from the Senate banking bill, because of opposition from lender-friendly Democrats in the Senate, led by Senator Evan Bayh (D-IN). Bayh, claiming to be acting as a "centrist," is threatening to side with Republicans in opposing the Senate version of the bill, as well as the Senate Democrats' efforts to add the bill to the budget bill.

Incidentally, is it really a "centrist" position to oppose a measure that roughly two-thirds of Americans support?

Bayh's opposition is especially troublesome for his state of Indiana, which has been very hard hit by the ongoing foreclosure crisis. The cram down bill would reduce Indiana's foreclosures by at least 20%, at no cost to taxpayers.

So why would Bayh oppose a measure that could help so many of his constituents? That's easy: Bayh took in over $3 million in campaign contributions from various corporate interests - lenders, insurers, pharmaceutical companies, and their corporate law firms - between 2003 and 2008. His single biggest contributor? Goldman Sachs, at $123,750.

Ghastly.

If you live in Indiana, maybe Senator Bayh should hear what you think about his position on this important legislation. If you know people in Indiana who are struggling to keep their homes, encourage them to contact Senator Bayh. Senator Bayh can be reached online through the U.S. Senate's website, www.senate.gov.

UPDATE: In case anyone was wondering, Senator Bayh has to face voters in 2010, as he will be running for re-election. Maybe the Hoosiers out there could remind him of that...

 


          Senate screws the little guy: the cram down may be dead for now   

After spending millions on lobbying (despite the lobbying ban in place for banks who received bailout money), it looks like the banking industry has spent and lied its way into delaying Senator Durbin's cram down bill.

I am shocked, dismayed, and disgusted that in Washington, it's business as usual when it comes to regular people getting a break against powerful interests who throw money (including taxpayer money) at politicians.

According to today's Wall Street Journal, Senate Republicans are continuing their campaign of "no" and walking in lock step to kowtow to the banking industry. The end result: banks probably get the FDIC relief they want, but regular people will not get the right to have their upside down home loan treated the same way any other upside down loan is already treated.

In my opinion, this loophole should have been closed long ago, for some very good reasons.

First, the home lending market is vastly different from what it was 30 years ago, when this special exception was written into the Bankruptcy Code. The evolution of the home lending industry is such that lenders do not need any special protection to protect the availability and affordability of home loans. Lenders and their lackeys in the Congress have continued to tell the lie that cram downs would make home loans so much more expensive than they are currently, and this tactic appears to have worked.

The second reason to get rid of this special set-aside for these loans is that it will not result in increased costs for borrowers. How do we know this? Well, as mentioned above, most loans are already subject to cramdowns, including many different types of home loans - for example, on second homes, investment properties, and multiunit properties where an owner occupies one of the units. If cram down opponents were telling the truth, then we would see pricing and availaility differences between the loan products that could be crammed down, and owner-occupied loans, which are not. According to an audit of nearly 300 different loan products offered by several large lenders (just google "Adam Levitin" "cram down" and you can read the paper and judge for yourself), there is no difference in pricing or availability based on whether a loan can be crammed down. The bottom line is that bond rates and competition determine home loan availability and pricing, not back end risk factors. For example, in this very tough economy, home loan rates are nearly half what they were in the heyday of a few years ago. Why? Because benchmark interest rates like Treasury bond rates and the Prime Rate are much lower now than they were then.

The third reason to do this is that, unlike so many other measures in Washington, this one will not cost taxpayers a penny, because the bankruptcy system pays for itself through its fee structure.

The fourth reason for a cram down is that lenders actually make more money on a cramdown when compared to foreclosing on, holding, and reselling a home whose value is less than the loan balance. For a California property, a lender will spend an average of $70,000 in hard dollars for every foreclosure. The lender's total losses (lost interest income, etc.) are estimated at nearly $150,000 per house foreclosed. This problem is compounded in a declining market, such as the one we are in now.Then there's the drag effect of REOs on housing prices and local property tax bases, which harms already hurting local communities.

And by the way, where do you think the banks look to recoup their bad loan losses? If banks are right about cramdowns increasing loan costs, then it stands to reason that foreclosure losses are already being passed on to borrowers. If they are, then why are loans cheaper now than they were when the housing boom was happening, as noted above?

But the most important reason for Congress to do this is simple: it's the right thing to do for millions of American families who are saddled with houses they cannot sell to pay off their loans because of the market, and loans that contain ridiculous terms when compared to reality.

Banks and their kept politicians may have stolen a real opportunity to fix a root cause of the current world economic crisis. People are very angry about the state of things. Unfortunately, this shameful act of greed at the expense of common sense and fairness will likely extend what now appears (despite the lip service from pundits) like it's turning into a depression - maybe not on Wall Street, but certainly on Main Street.

 


          More nail-biting as the Senate works to pass the cram down bill   

The Senate is officially in recess until Monday, April 20, but many senators are hard at work, trying to make - or break - the bankruptcy cram down reform bill.

At stake for banks: increased FDIC insurance, perhaps lower FDIC premiums (banks have to pay for FDIC insurance, and because of the many bank failures over the past year, rates are set to skyrocket). But for the rest of us, the American people, the stakes are much greater.

According to a few news reports, a deal may be in the works to get the banking industry to call off its dogs regarding the cram down, in return for changes to the FDIC system that would benefit banks. The possible political fallout is that banks would alienate the senators who are currently holding up the cram down bill, so it is still touch and go at this point.

Everyone understands that this economy will not stabilize unless and until we do something to stop the continuing tsunami of foreclosures. Two thirds of the American people favor helping homeowners remain homeowners, and unlike most recent efforts, the cram down bill will not cost taxpayers one red cent.

The problem? The myopia of the lending industry, and their cronies in Washington. I found a great article in the Miami Herald - it's an interview of the local chief bankruptcy judge, the Honorable A. Jay Cristol. I encourage readers to share this article with anyone (especially their Senators) who, for whatever reason, think that cram downs hurt banks or other borrowers.

Judge Cristol doesn't pull punches: he sees banks as being greedy and stupid in opposing cram downs, because banks make more money through a cram down than they do through foreclosure. Given that banks are supposed to be about making money, it makes no sense to oppose a solution that makes them more money.

Let's all hope that the Senate can muster enough votes, or better yet, use some leverage with the banking industry, to get this important legislation passed right away. Closing this loophole (remember, every other type of secured loan is already subject to well-established cram down rules) is long overdue, and our economy's recovery could be riding on it.


          More proof that cram downs will not make mortgages cost more   

So the bankruptcy cram down bill is currently stuck in the Senate. Opponents (read: the banking industry, and a few "let them eat cake" conservatives) continue to tell the lie that cram downs in bankruptcy will make home loans so much more expensive than they would be otherwise. I think they hope that if they tell the lie enough times, it will be accepted as the truth.

These people are full of it. Make no mistake, it is a bald faced lie to claim that bankruptcy cram downs will cause significant increases in home loan costs, or decrease availability.

Recently, I posted about Professor Adam Levitin's analysis of cram down's actual effects on mortgage costs and availability. After reading his entire paper, it seems I left out some very important information. My prior post talked about the historical period when some parts of the country allowed cram downs and others did not. But there is even more evidence that cram downs do not affect loan pricing and availability.

Professor Levitin also did an exhaustive comparison between owner occupied single family residence loans (that cannot be crammed down under current law), with other loan types: rental properties, vacation homes, and multi-family dwellings where one unit is owner-occupied (all of which can be crammed down under current bankruptcy law).

Now, if the lending industry's claims about cram downs is true, one would expect to find two-tiered pricing: lower pricing for owner occupied SFR loans, and higher pricing for the other property types, since the other types are subject to cram down risk.

The actual result? For the nearly 300 loan quotes that Professor Levitin received from four major lenders, pricing for owner occupied SFRs was exactly the same as for vacation homes, and at least one of the multi-family property types. This is in spite of the fact that vacation home and multi-family loans are already subject to cram down.

In short, there is no real risk of increased loss to a lender in a cram down. The reason is actually quite simple: lenders usually make more money even on a cram down modified loan than they would in a foreclosure. Here's why: in a cram down, the principal balance is cut to the current market value of the property. The borrower has to make loan payments on that principal balance, at an interest rate that equals current market rates for a conforming fixed-rate loan, plus a "risk premium" of 1 to 3 percent, to protect the lender. At current rates, the lender will receive 5.5% to as much as 8%. By contrast, if the lender is allowed to foreclose, they have to spend about $70,000 to take back the property, hold it, get it ready for resale, and resell it. This means that the most a lender can hope to recover in a foreclosure is current market value less about $70,000 - and that's assuming the market value of the property holds steady. All the while, the lender is collecting no interest payments.


          Revised (narrowed) Cram Down Bill Passes House   

Today, the House of Representatives passed a revised version of the bankruptcy bill. This is welcome news for the millions of homeowners at serious risk of losing their homes because their lender refuses to be realistic about the real value of the home securing the loan.

For some strange reason, recent press reports are calling the bankruptcy provision "controversial" and "sure to face stiff opposition" in the Senate.

The only real controversy is this: why the hell should mortgages secured by a borrower's primary residence be the only type of loan off-limits under the cram down rules? A short history lesson: back in 1978, the banking industry was able to convince Congress that home loans would become unavailable unless lenders were afforded special treatment in the form of an exemption from the general cram down rule. Granted, the home loan market was drastically different in 1978 than it is today; however, it is the very evolution of the home loan market that weighs in favor of ending this special treatment.

Also, as I previously mentioned, from 1981 to 1993, we actually had cram downs allowed in some parts of the country, but not others. If there were any truth to the banking industry's claims about loans costing more or being less available if cram downs are allowed, then we should see such differences in the different parts of the country during this period in history. The actual result is that there was no difference in the cost or availability of home loans between cram down jurisdictions and non-cram down jurisdictions.

The bottom line is this: the American people are really pissed off right now. There is a palpable feeling on the ground that, unless the little guy gets some real and meaningful relief, we're headed towards rioting in the streets.

If cram downs are good enough for the bank executive (who likely got taxpayer money), to cram down loan balances on his vacation home, his commercial real estate, his yacht, or his airplane, then it should be good enough for the regular folks who only want to find a way to hold on to their primary residence.

I encourage readers to contact their Senators to urge swift passage of the Senate version of this important legislation. It's time to eliminate the special treatment lenders have enjoyed, especially when the harm it does is so devastating to so many people.


          Big news: We're still waiting, but Bankruptcy reform may save the day   

So it's been quite awhile since I've posted anything. I've had my hands full trying to bring lenders to the table to work with my clients. We have had some successes and some disappointments, but mostly it's waiting around for lenders to get back to us.

One exciting development is the prospect of a change to the Bankruptcy Code that will allow judges to treat home loans like any other secured debt. Under current law, if your car, boat, farm, or vacation home is worth less than the loan(s) secured by it, the judge can reduce the principal balance to reflect the lender's actual secured value, and adjust the payment terms accordingly. In bankruptcy circles, this is referred to as a  "cramdown." For the past several years, home loans, especially first position loans, have been off limits to this sort of treatment.

Senator Richard Durbin has been trying to change that. He first introduced legislation to fix this issue back in 2007, and again in 2008, but the Bush Administration made it clear that any such measure would receive a veto. Now that we have an Obama Administration (President Obama has long expressed support for this type of reform), many people believe that the present form of the bill could be approved in the coming weeks. The proposal is being called the "Helping Families Save Their Homes in Bankruptcy Act of 2009."

Senator Durbin, along with Representative John Conyers, Jr. in the House, have worked on getting the measures through their respective chambers in Congress. The House version has already been amended and approved by the House Judiciary Committee, and floor hearings started earlier this week. The Senate version is still in the Judiciary Committee. The Senate bill is SB 61, and the House version is HR 200.

For obvious reasons, the lending industry is fighting against the proposal tooth and nail. Banking trade groups are using scare tactics by claiming that the cost of home loans will go up as much as $297 per month - of course, no evidence is offered in support of such a wild claim.

In fact, Professor Adam Levitin with the Georgetown University Law Center did a statistical analysis of actual loan rates the last time bankruptcy judges had this power. From 1981 to 1993, some parts of the country allowed judges to cramdown home loans, while other parts of the country did not allow it. As a result, we had a two tiered bankruptcy system, and the ability to compare home loan rates in cramdown areas to rates in non-cramdown areas. The result? Rates were not higher in the cramdown areas.

If passed, the changes proposed will give homeowners leverage to get lenders to make reasonable, sustainable changes to their loans. This is because most lenders will want to avoid bankruptcy like the plague - especially on homes with severely under water values.

One last benefit of the current proposal ties back to TILA. If a homeowner can show that the lender violated TILA in such a way as to give the owner a right to rescind, the judge would have the power to invalidate the debt entirely. This is a huge risk for lenders, especially on loans made during the bubble, because so many signings were done with mobile notaries and little to no follow up or oversight. While some may see this as a heavy penalty, take a look at the Bankruptcy Code sometime - it's full of heavy penalties that are intended to punish a debtor or creditor who fails to play by the rules.

 


          Break out the shovels - bank lobbyists push to kill bankruptcy reform   

Yesterday, I posted information about the bankruptcy reform proposals under consideration in the Congress. This morning, on the front page of Yahoo!, there's a story entitled "How Banks are Worsening the Foreclosure Crisis."

It's interesting reading, to say the least.

The banking industry thought that the housing market would turn around, and the foreclosure mess would work itself out. Under normal economic circumstances, this could have happened. Of course, had the banking industry pulled its head out of the sand to look at what was propping up the economy, they would have realized that the housing bubble had burst and their assumptions were invalid.

So, what are lenders doing to take on the growing problem?

They're denying that it exists.

Mortgage lenders claim that they've "modified" uhndreds of thousands of loans...I'm surprised they can keep a straight face while making such absurd statements. They also claim that there is no real problem - in their world, "irresponsible borrowers" are solely to blame for the current, but nonexistent, unpleasantness in the housing market. And yet, this same industry asks for handouts in the hundreds of billions, at taxpayer expense.

The lending industry is also going to Washington this week to lobby Congress to kill, or at least seriously curtail, the proposed bankruptcy reforms I posted about yesterday.

Here's the thing: if there's no problem, what are these guys afraid of? Having their loans treated the same as a yacht loan?

The bottom line is this: for whatever reason, there appear to be many people within the lending industry who are out of touch with objective reality. Even their own lobbyists acknowledge that lenders should have addressed the foreclosure crisis two years ago by making meaningful adjustments to bad home loans.

Now, instead of addressing the problem, banks are trying to buy their way out of a remedy that will give some real leverage and relief to regular people. If the prospect of this upsets you, I urge you to contact your Congressional Representative, and your Senators, and let them know what you think about caving in to the lending industry. Hopefully, the politicians will side with the people over the well-heeled special interests.


          Cyber Security Volume II: Network Security for $15   
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  • Access 106 lectures & 12.5 hours of content 24/7
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Nathan House has over 24 years experience in cyber security where he has advised some of largest companies in the world, assuring security on multi-million and multi-billion pound projects. He is CEO of Station X, a cyber security consultancy. More recently Nathan acted as the lead security consultant on a number of the UK's mobile banking and payment solutions helping secure to date over £71Bn in transactions.

His clients have included; BP, ExxonMobil, Shell, Vodafone, VISA, T-mobile, GSK, COOP Banking Group, Royal Bank of Scotland, Natwest, Yorkshire bank, BG Group, BT, London 2012.

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  • Access 117 lectures & 11 hours of content 24/7
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Details & Requirements

  • Length of time users can access this course: lifetime
  • Access options: web streaming, mobile streaming
  • Certification of completion not included
  • Redemption deadline: redeem your code within 30 days of purchase
  • Experience level required: all levels

Compatibility

  • Internet required

THE EXPERT

Nathan House has over 24 years experience in cyber security where he has advised some of largest companies in the world, assuring security on multi-million and multi-billion pound projects. He is CEO of Station X, a cyber security consultancy. More recently Nathan acted as the lead security consultant on a number of the UK's mobile banking and payment solutions helping secure to date over £71Bn in transactions.

His clients have included; BP, ExxonMobil, Shell, Vodafone, VISA, T-mobile, GSK, COOP Banking Group, Royal Bank of Scotland, Natwest, Yorkshire bank, BG Group, BT, London 2012.

Over the years he has spoken at a number of security conferences, developed free security tools, and discovered serious security vulnerabilities in leading applications. Nathan's qualifications and education include:

  • BSc. (Hons) Computing 'Networks & Communication' 1st Class Honors
  • SCF : SABSA Charted Architect Foundation
  • CISSP : Certified Information Systems Security Professional
  • CISA : Certified Information Systems Auditor
  • CISM : Certified Information Security Manager
  • ISO 27001 Certified ISMS Lead Auditor
  • CEH : Certified Ethical Hacker
  • OSCP : Offensive Security Certified Professional

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HypoVereinsbank - Member of UniCredit (München, Deutschland)
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Region:Bayern
Einstieg / Level:Praktikum
Funktionsbereich:Banking
Branche:Banken / Finanzdienstl.
Eintrittsdatum:2017-07-01


          Assclowns of the Week #105: Blame it on Paris or Putin edition   
"Therefore, in order to fulfill my solemn duty to protect America and its citizens, the United States will withdraw from the Paris Climate Accord -- (applause)" -Donald Trump
     Greetings, global cooling deniers, and welcome to a long, long overdue Assclowns of the Week. And it has been a busy week with Z list comedian Kathy Griffin (3) having Daniel Pearl fantasies about Donald Trump, Trump (1) jerking us off the Paris Climate Accord, Jared Kushner (6) being Vladimir Putin's back door man and Debbie Wasserman Schultz's (10) experiment in voice acting. So let's put on our water wings and as we paddle in the rising water review this week's top 10 assclowns and much, much more.

10) Debbie Wasserman Schultz
     Democrats used to be the smart ones. They were so smart, in fact, that for decades Republicans had accused them of being elitists. But gradually, establishment Democrats began moving in Republican and corporate circles in a highly successful attempt to hedge against charges of intellectual elitism. To wit:
     Last Thursday, an odd phone call came into Elizabeth Lee Beck's law office. Ms. Beck's law firm is the one litigating the DNC fraud lawsuit. The caller used a voice synthesizer so that it sounded "robotic and genderless." The voice made an inquiry: How's it going with the lawsuit? The receptionist gave the caller all the publicly available information then hung up. But apparently the caller forgot about a decades-old innovation known to the rest of elitist, tech-savvy people as caller ID.

     Oops. Looks as if the call came from Debbie Wasserman Schultz' Aventura, FL congressional office. Think they could be a little shaken up by the lawsuit and what the investigation will dig up? This is actually one step stupider than Donald Trump calling People Magazine and pretending to be a publicist named "John Miller." Or maybe this is evidence of Putin striking again.

9) EPA Director Scott Pruitt
     Just hours after Donnie Dumbo decided to pull us out of the Paris Climate Accord, the usual army of flacks took to the airways and did the talking head circuit, particularly climate change denier and EPA head Scott Pruitt. Trump making Pruitt the head of the EPA was on a par with making Ted Nugent the head of PETA. On CNN, Pruitt was grilled by Jake Tapper and this exchange took place:
Tapper: "Does the President believe climate change is a hoax?
Pruitt: "This is not about whether climate change is occurring or not."
     For once, Pruitt is right, albeit accidentally. The Paris Climate Accord was never about whether or not global warming is a hoax but acknowledging it is not and taking all the appropriate steps to curb the emission of greenhouse gases on a global scale. Late last month, Pruitt said satellite data proves global warming is slowing down, even though virtually every climate scientist on earth had confirmed the opposite. Hell, what did you expect from a guy who once tried to sue 13 times the same regulatory agency that he now heads up?

8) Rep. Darrel Issa
     Either Darrel Issa is preparing for his next career as a roofer for when he gets thrown out of Congress next year or he's too scared to face his own constituents. On Tuesday May 30, Issa showed up at his Congressional office in Vista, CA and was met with a knot of constituents who were angry about being excluded from a fake Town Hall Issa had recently held that admitted only Republican-friendly voters. Issa immediately ignored the small crowd, where he then did a creditable job of Michael Scott from The Office and hid on the roof. In a baleful move, Issa then took pictures of the protesters below. This knocks us down to just half a notch above a pitchfork and torch-wielding banana republic and after this I don't see how Issa can overcome a challenge from Democrat Mike Levin, who was savvy enough to quickly jump on this.
     At least Sean Spicer had the sense to hide in the White House bushes on ground level. And, oh, speak of the Devil's jester and he will come...

7)  Donald Trump and Sean Spicer
     Donald Trump recently took to Twitter just after midnight and seemed to drunk-text the world about the "constant negative press" and "covfefe". Then the day after, Trump made the mistake of trotting out Sean Spicer to explain what he meant. When asked by the press what Trump meant in his latest semi-coherent tweet, Spicey answered with, "The president and a small group of people know exactly what he meant." Obviously, not included among that small elite group are the editors of Merriam Webster, Oxford and the New American Heritage dictionaries.
     Meanwhile, White House groupie Sarah Palin is immensely grateful to Mr. Trump for making most of us forget about her coining the word, "refudiate."

6) Jared Kushner
     A week ago (at the very end of the news cycle as it was not broken until after five PM last Friday). it was reported that Donald Trump's son in law Jared Kushner had conspired with Russian officials to set up a secret back channel to Moscow as far back as last December. This was backed up by five officials knowledgeable of the meeting. This marked a radical departure for US policy because this was a case of a private citizen working with diplomats from a hostile state to reach the highest levels of Russian political power behind the backs of the 17 intelligence agencies.
     On a very abstract level, this is not unprecedented. However, Professor Richard Moss, author of the book, Nixon’s Back Channel to Moscow: Confidential Diplomacy and Detente, recently said that such informal back channels are meant to supplement, not supplant official policy. Kushner's harebrained scheme was to use Russian equipment in Russian embassies to contact the highest echelon of Russia's political hierarchy (presumably Putin). And it's impossible to think Kushner would've even broached the subject behind Trump's back rather than Trump using his son in law as an envoy.
     But, hey, Michael Flynn was at that same meeting that Kushner failed to report on his SF86 form when he applied for his top secret security clearance and later he met with a powerful Russian banker (a meeting neither wants to talk about). Sounds legit to me. And I'm sure at the GOP National convention last summer, Trump, Flynn, Sessions and the rest of his mafia spoke with Kislyak (then failed to mention it) about Russia's cute little dancing bears and what a shame it was that Ted Nugent hasn't been entered into the Rock and Roll Hall of Fame.

5) Donald Trump
     I'm sure when Fox host Kimberly Guilfoyle revealed today that Donald Trump actually called her to ask her how to do his job, she was bragging and wasn't at all horrified that he was soliciting advice from a talking head on how to run the most powerful nation on earth.
     Yes, if you're looking for suspects for who made Donnie Dumbo walk away from the Paris Climate Accord as well as what will surely be a huge raft of disastrous policy decisions, you can add to right wing nut jobs Steve Bannon and Scott Pruitt a walking brain stem attached to two legs named Kimberly Guilfoyle.
     Imagine the outrage that would've ensued if it had come out that Obama had conspired with MSNBC for advice on policy matters...

4) The White House
     June is National Pride Month. It is set in June in commemoration of the Stonewall riot that took place in June of 1969. Since his first year as President and straight through until last year, President Barack Obama had designated June Pride Month. But things have changed considerably since January 20th. After proclaiming things such as National Homeownership Month and other pseudo month-long holidays, Trump failed to name June Pride Month. No doubt, his baleful hangeron Mike Pence (who by now must be measuring the Oval Office for racks and Iron Maidens), had some influence with this "oversight."
     Pence, you might remember, as Indiana's governor, signed into law the "It's OK to Discriminate Against Teh Gays Because I'm Giving You a Get Out of Free Jail Card Named Religion" bill. Pence was also the piece of shit who'd made it legal to siphon funds from HIV research to fund, instead, gay conversion therapy outfits. And still, reconstituted Log Cabin Republicans and big gay donors cling to this guy like he's the Second Coming of Harvey Milk. Their reason? See lead image above.

3) Kathy Griffin
     It's one thing to lampoon the President of the United States, whoever it is, and even call for their impeachment when circumstances warrant it. But part-time celebrity Kathy Griffin took herself a bit too seriously and was videotaped holding up a fake, blood-drenched Donald Trump head as if she was some ISIS terrorist with a new trophy. Despite how absurdly easy it is to ridicule Donald Trump, the Office of the Presidency, if nothing else, needs to be respected and this plainly sends out the wrong message to anyone with too much time and ammo on their hands. As a result of this stupid stunt, Griffin lost her one night a year gig on CNN plus at least one commercial endorsement.
     However, Griffin's tastelessness aside, it was amusing to see the right wing nut jobs (such as California Patriot, my latest stalker and troll), lose their shit over it while remaining silent about all the burning lynchings in effigy we saw over the last eight years (Sasha Obama was also 11, as is Barron Trump, when an effigy of her father was hung and burned in 2008.). What was funniest was Trump himself whining about how his kids were having a hard time dealing with the gory imagery .

     Like these kids, for instance?

2) Hillary fucking Clinton
     Yes. Her again. For those about to stick their faces in barf bags, we salute you.
     Showing that she'd learned absolutely nada through the countless mistakes made by her Tammany Hall 2.0 campaign, Hillary fucking Clinton took to Codecon and essentially blamed her campaign's failure despite massive backing from women, the establishment Democrats, the MSM, Wall Street and the DNC on everyone who wasn't married to the 42nd president.
     The newly-rebranded radical centrist also sorta half-joked that Trump's word of the day "covfefe" was a code to the Russians. Yes, it was Vlad Putin who orchestrated her ignoring an important union just before election night, alienated Hispanics with her "taco bowl outreach" and "abuela" comments and shoved her into bed with every banking and corporate scumbag within 100 miles of Wall Street.
     Oh, and she's writing a new memoir that'll crystallize these conspiracy theories for public consumption because the consolation of a high seven figure advance is exactly what Hillary fucking Clinton deserves after perhaps the most embarrassing defeat in US political history.

1) "President" Donald Trump
     Also late this past week, the Koch brothers' latest temp worker (aka US President Donald Trump) did as many of us predicted and pulled out of the Paris Climate Accord like his father Fred should've done from his wife's snatch back in 1945. That's right, this was in defiance of the skepticism of withdrawing from the Accord by business leaders, champion polluter Rex Tillerson, Gary Cohn and even the First Lady Ivanka. This was bad enough, as the Paris Accord has 194 other participating nations (including North Korea). This puts us in a tiny, elite community with Syria and Nicaragua (which won't be joining in for very good reasons).
     But Trump, inevitably, made it much worse by taking to the Rose Garden and explaining his reasons, all of which were horseshit that could benefit only the flowers behind him. In the World According to Trump, if we ever violated the Accord, they could sue us (No, they can't.) Meaning the Accord would legally bind us (No, it wouldn't). We could renegotiate it later as if it's another bankruptcy settlement (No, we can't).
     Essentially, as if he hadn't during his Hindenburg of a foreign trip last month, Trump is isolating us from the rest of the planet save for Russia in every conceivable way and this is the icing on the cake. German Chancellor Angela Merkel took the extraordinary step of saying the rest of the world could no longer rely on the US. French President Macron has been in Trump's grill ever since his decision (which Trump blamed on the latter's "aggressive handshake"). And at least three governors of big states (CA, NY and WA) have decided to sign on to the climate accord. Meaning, far from Trump distancing himself from the rest of the planet, the planet's moving on without him.
     Fellow billionaire Elon Musk and Disney CEO Bob Iger are among them.

Dishonorable Mention


     In a silly yet tragic reprise of Get Shorty, last March Oklahoma state senator and Trump backer Ralph Shortey was caught in a motel room with an underaged boy whom Shortey had solicited for sex via text message. To show how unbelievably stupid Republicans are, the day after he was busted for "engaging in child prostitution, prostitution within 1,000 feet of a church, and transporting a minor for the purposes of prostitution", he posted the above picture of himself on Facebook with Donald Trump, Jr, which I'm sure must've absolutely thrilled the First Family. To show what a craven piece of shit Shortey is, police found him hidden behind the door just opened by the underaged boy (Maybe he should have called Darrell Issa for tips on evasion). Oh, I'm sorry, did I refer to Shortey as an OK state senator? He's a former state senator now. He resigned his post so he can spend more time with NAMBLA.
          Noel Edmonds campaign to expose Lloyds’s banking outrage   
Noel Edmonds campaign to expose Lloyds’s banking outrage
             

Hmm... do they smell money?

Publishers seek cash in social networks. Knight Ridder and the Washington Post Company are banking on social networking to be the future of online classifieds, having invested $6.3 million in a "six degrees" Web venture. [CNET News.com - Front Door]


          Global Elite Easily Enslaving You With This All-Too-Common Trap   

The borrower is the servant of the lender, and through the mechanism of government debt, virtually the entire planet has become the servants of the global moneychangers. Politicians love to borrow money, but over time, government debt slowly but surely impoverishes a nation. As the elite get governments around the globe in increasing amounts of debt, those governments must raise taxes in order to keep servicing those debts. In the end, it is all about taking money from us and transferring it into government pockets, and then taking money from government pockets and transferring it into the hands of the elite. It is a game that has been going on for generations, and it is time for humanity to say that enough is enough.

According to the Institute of International Finance, global debt has now reached a new all-time record high of $217 trillion:

Global debt levels have surged to a record $217 trillion in the first quarter of the year. This is 327 percent of the world's annual economic output (GDP), reports the Institute of International Finance (IIF).

The surging debt was driven by emerging economies, which have increased borrowing by $3 trillion to $56 trillion. This amounts to 218 percent of their combined economic output, five percentage points greater year on year.

Never before in human history has our world been so saturated with debt.

And what all of this debt does is that it funnels wealth to the very top of the global wealth pyramid. In other words, it makes global wealth inequality far worse because this system is designed to make the rich even richer and the poor even poorer.

Every year, the gap between the wealthy and the poor grows, and it has gotten to the point that eight men have as much wealth as the poorest 3.6 billion people on this planet combined:

Eight men own the same wealth as the 3.6 billion people who make up the poorest half of humanity, according to a new report published by Oxfam today to mark the annual meeting of political and business leaders in Davos.

This didn't happen by accident. Sadly, most people don't even understand that this is literally what our system was designed to do.

Today, more than 99 percent of the population of the planet lives in a country that has a central bank. And debt-based central banking is designed to get national governments trapped in endless debt spirals from which they can never possibly escape.

For example, just consider the Federal Reserve. During the four decades before the Federal Reserve was created, our country enjoyed the best period of economic growth in U.S. history. But since the Fed was established in 1913, the value of the U.S. dollar has fallen by approximately 98 percent and the size of our national debt has gotten more than 5000 times larger.

It isn't an accident that we are $20 trillion in debt. The truth is that the debt-based Federal Reserve is doing exactly what it was originally designed to do. And no matter what politicians will tell you, we will never have a permanent solution to our debt problem until we get rid of the Federal Reserve.

In 2017, interest on the national debt will be nearly half a trillion dollars.

That means that close to 500 billion of our tax dollars will go out the door before our government spends a single penny on the military, on roads, on health care or on anything else.

And we continue to pile up debt at a rate of more than 100 million dollars an hour. According to the Congressional Budget Office, the federal government will add more than a trillion dollars to the national debt once again in 2018:

Unless current laws are changed, federal individual income tax collections will increase by 9.5 percent in fiscal 2018, which begins on October 1, according to data released today by the Congressional Budget Office.

At the same time, however, the federal debt will increase by more than $1 trillion.

We shouldn't be doing this, but we just can't seem to stop.

Let me try to put this into perspective. If you could somehow borrow a million dollars today and obligate your children to pay it off for you, would you do it?

Maybe if you really hate your children you would, but most loving parents would never do such a thing.

But that is precisely what we are doing on a national level.

Thomas Jefferson was strongly against government debt because he believed that it was a way for one generation to steal from another generation. And he actually wished that he could have added another amendment to the U.S. Constitution which would have banned government borrowing...

I wish it were possible to obtain a single amendment to our Constitution. I would be willing to depend on that alone for the reduction of the administration of our government to the genuine principles of its Constitution; I mean an additional article, taking from the federal government the power of borrowing.

And the really big secret that none of us are supposed to know is that governments don't actually have to borrow money.

But if we start saying that too loudly the people that are making trillions of dollars from the current system are going to get very, very upset with us.

Today, we are living in the terminal phase of the biggest debt bubble in the history of the planet. Every debt bubble eventually ends tragically, and this one will too.

Bill Gross recently noted that "our highly levered financial system is like a truckload of nitroglycerin on a bumpy road." One wrong move and the whole thing could blow sky-high.

When everything comes crashing down and a great crisis happens, we are going to have a choice.

We could try to rebuild the fundamentally flawed old system, or we could scrap it and start over with something much better.

My hope is that we will finally learn our lesson and discard the debt-based central banking model for good.

The reason I am writing about this so much ahead of time is so that people will actually understand why the coming crisis is happening as it unfolds.

If we can get everyone to understand how we are being systematically robbed and cheated, perhaps people will finally get mad enough to do something about it. {eoa}


          Small Business Advisor - Scotiabank - Dawson Creek, BC   
Wealth Management, Commercial Banking, Enterprise Solutions). He/she is responsible for meeting negotiated goals, which include business development, retention...
From Scotiabank - Tue, 27 Jun 2017 06:46:13 GMT - View all Dawson Creek, BC jobs
          Client Service Representative - RBC - Saskatchewan   
Leaders who support your development through coaching and managing opportunities. Proactively take ownership of resolving and preventing client banking problems...
From RBC - Mon, 26 Jun 2017 23:03:28 GMT - View all Saskatchewan jobs
          Estate & Trust Representative - Innovation Credit Union - Saskatchewan   
Experience with AOS and banking system. Informal Leadership &amp; Flexibility to perform other duties as assigned.... $44,440 a year
From Innovation Credit Union - Thu, 08 Jun 2017 00:02:47 GMT - View all Saskatchewan jobs
          Careers for Indigenous Peoples - Sales & Service - Across Canada - CIBC - Saskatchewan   
Proudly, our Indigenous banking team serves clients from coast-to-coast-to-coast providing banking solutions to meet the unique needs of many of our Indigenous....
From CIBC - Wed, 24 May 2017 16:13:16 GMT - View all Saskatchewan jobs
          Personal Banking Advisor, Rivière du Loup - Banque Nationale du Canada - Quebec   
Personal banking advisors. Personal Banking Advisor, Rivière du Loup. Number of hours (if position is part-time indicate the number of hours)....
From Banque Nationale du Canada - Thu, 22 Jun 2017 19:19:20 GMT - View all Quebec jobs
          Personal Banking Advisor, Matane - Banque Nationale du Canada - Quebec   
Personal banking advisors. Personal Banking Advisor, Matane. For the description of the position please refer to the french version....
From Banque Nationale du Canada - Tue, 20 Jun 2017 01:15:16 GMT - View all Quebec jobs
          Customer Service Representative - Banque Nationale du Canada - Quebec   
Knowledge of banking products and services, an asset. Customer Service Representative....
From Banque Nationale du Canada - Fri, 16 Jun 2017 19:13:21 GMT - View all Quebec jobs
          French Bilingual Call Centre Outbound Sales Representative - Scotiabank - Ontario   
The Outbound Sales Representative is responsible for managing and developing mutually beneficial banking relationships with customers;...
From Scotiabank - Tue, 27 Jun 2017 06:46:03 GMT - View all Ontario jobs
          Supervisor, Accounts Payable (9-month contract) - Ontario Basketball - Ontario   
Perform weekly EFT payment file upload on web business banking. Execute void &amp; outstanding cheque status look up on web business banking....
From Ontario Basketball - Thu, 22 Jun 2017 21:21:36 GMT - View all Ontario jobs
          Elementary School Secretary - District School Board of Niagara - Ontario   
Attendance as well as handle petty cash, banking and electronic requisitioning. Applicants are required to deal with telephone and counter....
From District School Board of Niagara - Thu, 22 Jun 2017 15:42:06 GMT - View all Ontario jobs
          Commercial Mortgage Specialist - RBC - Ontario   
Commercial banking background/experience including working with Synergy is considered a strong asset. Understand the client’s financial situation, leverage...
From RBC - Mon, 19 Jun 2017 22:30:46 GMT - View all Ontario jobs
          Careers for Indigenous Peoples - Sales & Service - Across Canada - CIBC - Ontario   
Proudly, our Indigenous banking team serves clients from coast-to-coast-to-coast providing banking solutions to meet the unique needs of many of our Indigenous....
From CIBC - Wed, 24 May 2017 16:13:21 GMT - View all Ontario jobs
          Security Analyst - Eagle Professional Resources - Ontario   
Banking / Financial Industry experience. Providing leadership for the provision of technical expertise in development and support of activities, processes,...
From Eagle Professional Resources - Wed, 12 Apr 2017 20:12:08 GMT - View all Ontario jobs
          Territory Manager - Leasing - Westminster Savings Credit Union - Ontario   
We have four lines of business – Consumer Banking, Commercial Banking, Wealth Management, and Auto/Equipment Leasing....
From Westminster Savings Credit Union - Fri, 24 Mar 2017 00:39:28 GMT - View all Ontario jobs
          Pursue your Potential (PYP)- Aboriginal Peoples - RBC - Ontario   
What do you need to eligible? We are one of North America’s leading diversified financial services companies, and provide personal and commercial banking,...
From RBC - Thu, 23 Mar 2017 04:43:08 GMT - View all Ontario jobs
          Alliance Bank of Arizona names new Tucson EVP   

Western Alliance Bank announced today that Steven Odenkirk has been named executive vice president, southern region manager for Alliance Bank of Arizona in Tucson. In his new role, Odenkirk will lead the Alliance Bank’s regional presence which includes two banking locations and 36 employees. Odenkirk’s appointment follows the March retirement of Duane Froeschle, who held… Read More →

The post Alliance Bank of Arizona names new Tucson EVP appeared first on AZ Big Media.


          Stanbic IBTC Bank Recruitment for IT Security Officer   

Stanbic IBTC Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa’s financial system for 150 years, and now spans 16 countries across the African continent.

Standard Bank is a firm believer in technical innovation, to help us guarantee exceptional client service and leading edge financial solutions. Our growing global success reflects our commitment to the latest solutions, the best people, and a uniquely flexible

          Newmark secures $151M in financing for 30-property portfolio   

Newmark, the largest independent commercial mortgage banking firm in the western U.S., has secured $151 million in new permanent financing for a 30 property, multi-tenant industrial portfolio totaling more than 4 million square feet and in excess of 1,000 tenants.  Tim Storey, Principal, and Chad Metzger, Associate Vice President, with Newmark’s Phoenix production office worked… Read More →

The post Newmark secures $151M in financing for 30-property portfolio appeared first on AZ Big Media.


          FINANCIAL ADVISORS / MARKETING EXECUTIVE   

MUTUAL BENEFITS ASSURANCE PLC is leading world Class Company offering superior financial services to the delight of all stakeholders. Mutual group is made up of 10 companies in the areas of banking, insurance, transportation, real estate, capital market, oil and gas, business financing and leasing. The company wants to become the insurance company of first choice to most households in Nigeria as well as promoting responsible living as a way of life.

Mutual Benefits Assurance Plc is

          Stanbic IBTC Bank vacancy for Graduate Data Processing Officer   

Stanbic IBTC Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa’s financial system for 150 years, and now spans 16 countries across the African continent.

Standard Bank is a firm believer in technical innovation, to help us guarantee exceptional client service and leading edge financial solutions. Our growing global success reflects our commitment to the latest solutions, the best people, and a uniquely flexible

          F&M Bank Announces The Appointment Of Dave Zitterow, Executive Vice President And Regional Director Of Banking (Photo: Business Wire)   

Click to view a price quote on FMCB.

Click to research the Banking industry.

          Personal Banking Specialist - ATB Financial - Castor, AB   
Provide relevant needs-based advice to our customers by understanding their goals and priorities. Your customers would describe you as the most committed,...
From ATB Financial - Tue, 13 Jun 2017 22:10:07 GMT - View all Castor, AB jobs
          Patients Switch Doctors Based on Service, Not Just Care or Costs – Think “Text”   

There’s more evidence of shopping behavior among patients: there’s new data showing that patients-as-consumers switch healthcare providers not due to quality of care or costs, but because of lack of service. I discovered one key verb and feature patient-consumers expect from doctors: it’s the ability to text, for appointment reminders, alerts, treatments, and communicating with the practice. SolutionReach, in the business of patient engagement, conducted a survey among 500 consumers asking about primary care providers, communication experience and satisfaction levels. The company presented the research results in a webinar on 29 June 2017. The research was also written up in a report, The Patient=Provider Relationship Study, which mines the data for generational differences across patient cohorts by age. The first table orders the features patients told SolutionReach they want versus those they have. The highlighted areas show the greatest gaps in service, all related to texting. Here are some other key findings: Over all patients, only 32% are completely satisfied with their medical provider Due to dissatisfaction, 12% of patients say they have left their doctor’s practice, and 34% are considering leaving Generationally, 42% of Millennials are likely to switch doctors in the next couple of years; 44% of Gen X patients; and 20% of Boomers Dissatisfaction with practice logistics is driven mainly by convenient location, ease of making an appointment online or by phone, receiving reminders about upcoming appointments, and ease in getting that appointment. “Patients are not leaving because of poor quality care,” SolutionReach concluded. Poor experience is driving at least one-third of patients to seek a new provider practice. Health Populi’s Hot Points: The findings here are part of a larger growing market for retail health and healthcare, where patients, flexing consumer muscles, are feeling empowered to make more decisions on their own behalf. While cost continues to be a major factor in healthcare decision making, service levels are highly tied to communication, access, convenience and transparency. My recent take on West’s research into patient experience in healthcare reinforced this consumer demand. Note the last chart, which features data from the 2017 Temkin Experience Ratings which I’ve written about here in Health Populi. Health plans rank at the bottom, and retail, fast food, and financial services at the top. The latter create the high benchmark for customer service that legacy healthcare stakeholders — hospitals, physicians, pharma, and health insurance — are expected to meet. Remember: the last-best consumer experience people have is the benchmark against which they compare future experiences across all industries, whether banking, food, hospitality, or package delivery. If patients are paying more for healthcare, they expect that higher benchmarked experience.

The post Patients Switch Doctors Based on Service, Not Just Care or Costs – Think “Text” appeared first on HealthPopuli.com.


          FOREIGN EXCHANGE RISK MANAGEMENT IN NIGERIA ECONOMY AND IT'S IMPACT ON PROFITS OF BANKS   

    Management of risk is one of the essence of the business of banking. The extent to which risk management is being managed or controlled could either be said to be an art or science.Indeed a judicious mixture of both could form the subject of an interesting if inconclusive debate (Richard, 2008...read more
          The iPhone's imprint on banking   
The iPhone is 10 years old. Here’s a look at some of the ways the Apple product and the boom in smartphones overall have shaped banking in the U.S. over the past decade.
          THE IMPACT OF CASHLESS POLICY ON ECONOMIC GROWTH OF NIGERIA   

CHAPTER ONE INTRODUCTION1.1 BACKGROUND OF THE STUDYThe introduction of electronic banking, online transactions and mobile banking in Nigeria has paved way for a new era of development where the use and demand for physical cash is gradually declining. These recent evolution of technology in the Niger...read more
          THE IMPACT OF THE CBN CASHLESS POLICY ON THE DEVELOPMENT OF THE BANKING SECTOR OF NIGERIA   

    CHAPTER ONE INTRODUCTION 1.1 Background to the Study        The recent evolution of technology for financial transactions poses interesting questions for policy makers and financial institutions regarding the suitability of current institutional arrangements and availability of instrume...read more
          CONTRIBUTION OF BANKING SECTOR TO AGRICULTURAL PRODUCTIVITY IN NIGERIA   

  CHAPTER ONE INTRODUCTION   1.1 INTRODUCTION Nigeria, which spans an area of 924,000 square kilometers, is bordered by the Gulf of Guinea, Cameroon, Benin, Niger, and Chad. The topography ranges from mangrove swampland along the coast to tropical rain forest and savannah to the north. Nigeria is ...read more
          THE IMPACT OF TECHNOLOGY TOWARDS ECONOMIC DEVELOPMENT IN THE NIGERIAN FINANCIAL MARKET ACTIVITIES WITH A SPECIAL FOCUS ON YOUR UNITED BANK FOR AFRICA (UBA)   

  There is no doubt to the fact that technology has come a long way developing and modification to suit the period. Banking industries are one of the sectors in the Nigerian Financial market that have benefitted tremendously from technology application, and it also made banking operations so much e...read more
          Corporate/Commercial Legal Secretary   
A dynamic, reputable and well established legal firm are currently seeking a Corporate/Commercial Legal Secretary to join their existing team in Uckfield. You would ideally have experience in the commercial side of law (i.e. Corporate/Commercial; Commercial Dispute Resolution or Litigation; Commercial Property; Corporate Banking etc.), supporting Fee Earners in their caseloads. ...
          More People Use Banking Apps Than Photo Apps on Mobile   
Turns out, banking apps are higher up in consumers’ smartphones than photo or video apps. A study by Forrester Research, released this week, indicates that 32% of U.S. adults (18 and over) use banking apps via their smartphones weekly. The same number of respondents indicated using shopping apps weekly, while 30% and 23% said they […]
          Java/J2EE Developer - Morgan Stanley - Montréal, QC   
Perl and Shell Scripting (such as ksh). Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities,...
From Morgan Stanley - Thu, 22 Jun 2017 18:09:16 GMT - View all Montréal, QC jobs
          The Futures Agency Presents #3: a conversation on the future of banking (Talwar, Torrance, Leonhard)   
Futures Agency-Banking With my company, The Futures Agency thefuturesagency.com/ I head up a global network of 30+ futurists that do speaking engagements, conferences, future 'experiences' i.e. seminars and advisory sessions together, and individually. We always have a lot of interesting conversations when- and wherever we meet face-to-face, so we decided to record some of them and make them available to the public. This is #3 discussing the future of banks and financial services.
          Financial Advisor at Britam   
Britam is a leading diversified financial services group, listed on the Nairobi Securities Exchange. The group has interests across the Eastern and Southern Africa region, with operations in Kenya, Uganda, Tanzania, Rwanda, South Sudan, Mozambique and Malawi. The group offers a wide range of financial products and services in Insurance, Asset management, Banking and Property. Our Mission is to provide outstanding financial services to our customers. Our Vision is to be the most trusted financial service partner. We aim to provide our clients, with an unmatched offering, ensuring first class solutions that help secure the future.
          Career Opportunities at Dubai Islamic Bank - 5 Positions   
The DIB Bank Kenya Ltd (DIBBKL). is a financial institution specialized in Sharia Compliant Banking. Sharia Compliant Banking is an alternative banking model based on profit sharing mechanism in line with Islamic principles. The model is rapidly growing around the world with increasing acceptability owing to its attractive features and product offering. The Bank's paid-up capital will amount to USD 30 million and it is a fully owned subsidiary of Dubai Islamic Bank (DIB) based in United Arab Emirates(UAE). The idea behind the establishment of this bank is to enhance the supply of banking services to cater to the latent demand for alternative banking model. Given the attractive domestic and regional prospects, a phased approach for business development and expansion would be followed to ensure the establishment of a high quality Sharia Compliant Banking platform in Kenya that would later also be leveraged to distribute sharia compliant products and services in the region. One of the most important objectives, upon which DIBBKL has been established, is to encourage, motivate and expand the economy of the country. Therewith, providing new employment opportunities in Kenya, as well as promoting and developing the private & public sectors. The management team aims at delivering a performance that is well above the performance of the incumbent Islamic banks in Kenya and the region. The drivers of this above market performance will be the management quality, its aggressive and unique distribution and sales strategy and above all its ability to capture market share from the banking sector on the basis of its quality product/ service suite. Further, the bank will also endeavor to attract other discernible customers through the inherent advantages and benefits of a profit sharing mode of banking. It must be noted, that DIB is the pioneer of Islamic banks as it was the first Islamic bank in the world and its outstanding performance in UAE and other countries where it operates is largely driven by its comprehensive product and service offering. The bank will be managed under strong governance structure with various levels of checks and balances at the level of board and management. Further, comprehensive risk management / compliance policies will be adhered to. The Bank is being managed by board of directors, consisting of members from both Kenya and UAE. The Bank's organizational structure comprises an MD, his direct reports in addition to qualified staff and specialists in both the financial, credit and technical fields. The bank has commenced its operations on 05th June 17 with around 120 permanent employees that is distributed across three locations namely the Head Office & Corporate Branch in Nairobi and a main branch (for both corporate and retail clients) in Mombasa.
          Back Office Executive - JS Composys Pvt ltd. - Navi Mumbai, Maharashtra   
Data entry Operator, Backoffice Executive, ForntOffice Executive, Branch Banking Off, Relationship Manager, Research Analyst.etc.... Freshers also can apply.... ₹30,000 a month
From Indeed - Wed, 28 Jun 2017 10:13:07 GMT - View all Navi Mumbai, Maharashtra jobs
          Concur Expenses Analyst   
NY-New York, Our client, a Fortune 50 global leader in the financial industry, is hiring an Expenses Operations Analyst to join their Expense Management team in New York City, NY. The Global Banking and Markets Expense Review Team is responsible for reviewing employee travel and entertainment expense reports within the Concur Expense System for compliance with the Expense Policy. Responsibilities are to ensure
          Cell Banking Outsourcing Global Market, By Product & Data Validation, 2016 Analysis and Forecast 2022   
(EMAILWIRE.COM, June 30, 2017 ) According to Publisher, the Global Cell Banking Outsourcing market is expected to grow from $3.42 billion in 2015 to reach $10.67 billion by 2022 with a CAGR of 17.6%. Growing research in cell line development and advancements in cell preservation techniques are the...
          Your customers are digital, but are you   

Digital customer care is still new territory for many companies. They can learn a lot from the natives. Today’s customers expect digital service. More and more are getting it, too, across sectors from telecommunications to banking and from utilities to retail. For example, telco customers conduct roughly 70 percent of their purchases either partly or … Continue reading Your customers are digital, but are you

The post Your customers are digital, but are you appeared first on How to be a leader in #service: #servicedesign and #designthinking.


          A banker’s code of ethics   
<span class="paragraphSection"><div class="boxTitle">Abstract</div>Persistent public demands for bankers to behave ethically have not been matched by a similar focus on defining the content of the desired behaviour. This paper attempts to remedy that failing. Drawing from Aristotle, Hume, Rawls, and recent psychological research, it argues that an ethics code grounded in our moral intuitions, suitably refined and tested by reason, is essential for a code to be workable and widely accepted. The intuitions most relevant to banking are those arising from common social practices—namely, mutual promising, game-playing, persuasion, and guardianship. The norms behind mutual promising underpin the entire industry, while those of the other practices inform ethics in trading, sales, and asset management, respectively. The paper then spells out in detail some of those norms; examines the roles that ‘playing by the rules’, helping competitors, sincerity, bias, disclosure, competence, conflicts of interest, and other factors play in their specification; and discusses the circumstances in which the operation of these social-practice-based ethical norms are tempered by compassion.</span>
          SECRETARY - Catholic District School Board of Eastern Ontario - Hammond, ON   
Experience with Maplewood Attendance and Scheduling and the School Banking program. Secretarial assignments are based upon student enrolment and are therefore... $22.86 an hour
From Catholic District School Board of Eastern Ontario - Tue, 27 Jun 2017 14:41:56 GMT - View all Hammond, ON jobs
          SECRETARY - Catholic District School Board of Eastern Ontario - Brockville, ON   
Experience with Maplewood Attendance and Scheduling and the School Banking program. Secretarial assignments are based upon student enrolment and are therefore... $22.86 an hour
From Catholic District School Board of Eastern Ontario - Tue, 27 Jun 2017 14:41:42 GMT - View all Brockville, ON jobs
          Recruiter - Veterans Sourcing Group - Ohio   
O Robots, Spiders, RSS Feeds and other Automated alert/notification technology. A Large Financial Banking Organization is looking for Recruiter in Columbus, OH....
From Veterans Sourcing Group - Thu, 25 May 2017 03:23:51 GMT - View all Ohio jobs
          Java_Developer   
NY-New York City, A hands-on Java Developer to work on a critical application for an Investment Banking Technology team. A good candidate will meet following criteria: -Java / JEE expert, possesses experience on unit and regression testing practices -Hands-on skills with database design and query -Fundamental understanding of Software Development Life Cycle and agile, test-driven development practices. -Technically
          Motorvision TV: NASCAR Truck Series M;M;s 200, Iowa Speedway   
01.07.2017 20:05 - 21:00
Seit 2009 fahren die NASCAR Trucks auf dem 7/8-Meilen Oval in Newton, Iowa. 200 Runden sind auf dem wunderbaren Short-Track in drei Stages zu 2x 60 Runden, und einer finalen Stage von 80 Runden zu absolvieren. Das Kurven-Banking von bis zu 14 Grad sorgt für ordentliche Rundenzeiten, auch die INDY Cars sind hier unterwegs. Drei Mal in Folge schon konnte das Team von Kyle Busch Motorsports hier den Sieg einstreichen.
          The Rebranding of Emid’s Financial Solution   
Introducing C4 – A Cloud-hosted, Core banking, Omni-Channel, Card, and lending platform.
          Banks Are Facing a 'Toxic Cocktail,' Kass Says   
Doug Kass, president of Seabreeze Partners, says headwinds in the banking industry could be a "toxic cocktail." Prior to that, Peter Hooper, Deutsche Bank's chief economist, says the ECB will be tapering further by the end of the year. Charles Peabody, an analyst at Compass Point Research, says Jamie Dimon's tech investments have put JPMorgan at an advantage. Dan Yergin, IHS' vice chairman, says big oil will go through soul-searching. Finally, Texas Representative Kevin Brady says the Senate will resolve their differences and pass health care.
          Farmers & Merchants Bancorp (FMCB: OTCQX U.S. Premier) | F&M Bank Announces the Appointment of Dave Zitterow, Executive Vice President and Regional Director of Banking   
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          iOS Developer - IQ Hunt - Toronto, ON   
This role is Toronto based in Financial Services and projects are all largely in the digitization of financial services or in digital banking - essentially,
From IQ Hunt - Wed, 21 Jun 2017 19:08:03 GMT - View all Toronto, ON jobs
          Junior and Experienced Front-End / Digital Application Developers (HTML5 / CSS3 / JavaScript) - Sopra Banking Software Belgium - Brussels, Antwerp   
Your Mission We are looking for outstanding Front-End Engineers to join our rapidly growing, fast-paced engineering team. The ideal candidate is a hands-on developer who designs, develops, tests, and maintains our customer facing web applications. You play a key role in helping Sopra Banking build next-generation web applications for our platform. As a Front-end / digital application developer, you: Join the fast-paced digital team of the company; Enjoy being part of this team...
          Greece, et. al. Blowing Up; Federal Reserve Scheming, Skimming, and Debauching Up QE3   
Some are aware that the socialist collapse of Greece and other European nations causes massive loan transactions among Europe’s deeply corrupt central banking complex, largely through the EFSF. Further, some are aware that the “Federal Reserve” is actually a concoction of these corrupt central bankers and that their voracious beast is “fed” indeed by the confiscasted […]
          How millennials are changing the banking industry   

If you can’t remember the last time you stepped foot in an actual bank – you’re not alone. For many reasons, mobile banking is rapidly…

The post How millennials are changing the banking industry appeared first on Highlight.


          Head, Accountant/Admin at Petra Microfinance Bank Plc   
Petra Micro-Finance Bank (PMFB) is fully in the business of rendering micro financial services to all its customers, particularly the active poor. The bank was incorporated in the year 2008, and commenced full banking operation on 22nd May, 2008. The bank has its head office at No. 18 Montgomery Road, Yaba, Lagos
          Stanbic IBTC Bank Recruitment for IT Security Officer   
Stanbic IBTC Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa's financial system for 150 years, and now spans 16 countries across the African continent. Standard Bank is a firm believer in technical innovation, to help us guarantee exceptional client service and leading edge financial solutions. Our growing global success reflects our commitment to the latest solutions, the best people, and a uniquely flexible and vibrant working culture. To help us drive our success into the future, we are looking for resourceful individuals to join our dedicated team at our offices.
          Web Developer (Wordpress) at Pragmatic Technologies   
Our products categories span Banking Technology, Inverters, Stabilizers/AVR, Energy Saving LED and EFL Lights, Personal Electronics, and Consumer Health Monitoring Technology. Our B2B business is handled by Pragmatic Technologies. This includes sales to corporates and our resellers. Our B2C business is handled by our subsidiary, BuyRight. BuyRight operates an online store, www.buyright.biz in addition to physical retail stores in Lagos, Port Harcourt and Abuja. More outlets will be opened in the future across Nigeria. The official brand of Pragmatic Technologies is PRAG.
          Stanbic IBTC Bank Recruitment for Data Processing Officer   
Stanbic IBTC Bank is a leading African banking group focused on emerging markets globally. It has been a mainstay of South Africa's financial system for 150 years, and now spans 16 countries across the African continent. Standard Bank is a firm believer in technical innovation, to help us guarantee exceptional client service and leading edge financial solutions. Our growing global success reflects our commitment to the latest solutions, the best people, and a uniquely flexible and vibrant working culture. To help us drive our success into the future, we are looking for resourceful individuals to join our dedicated team at our offices.
          7/1/2017: Markets: Beating Volatility: Stress in the Economy Could Worsen NPA Woes: RBI   
Mumbai: The health of India’s banking system deteriorated further in the second half of last fiscal year due to rising bad loans and eroding profitability, but the Reserve Bank of India signaled it is determined to continue the path of prudent...
          Personal Banking Specialist - ATB Financial - Trochu, AB   
Provide relevant needs-based advice to our customers by understanding their goals and priorities. Your customers would describe you as the most committed,...
From ATB Financial - Wed, 24 May 2017 18:58:52 GMT - View all Trochu, AB jobs
          One-year fixed savings account pays 1.85%   

Paragon Bank has upped its offering on four of its fixed savings accounts, pushing it comfortably into the best buy tables.

The post One-year fixed savings account pays 1.85% appeared first on Your Money.


          Currency markets buoyed amid interest rate rise speculation   

The suggestion by the governor of the Bank of England that a change in monetary stimulus may be needed has propped up currency markets as they assume an interest rate rise may be on the horizon.

The post Currency markets buoyed amid interest rate rise speculation appeared first on Your Money.


          Miami accelerator TheVentureCity seeks to raise $100 mln   
The newly launched Miami-based tech accelerator TheVentureCity is seeking to raise $100 million, according to a regulatory filing. The organization is led by co-founders Laura González-Estéfani, a former director of international business development and mobile partnerships at Facebook, and Clara Bullrich, a 20-year private banking and asset management veteran who most recently was managing partner for Guggenheim Partners Latin America.
          IBPS CWE RRB Recruitment Notification 2017 – 14192 Officers (Scale-I, II & III), Office Assistants (Multipurpose) Latest IBPS Vacancies   

IBPS CWE RRB Recruitment Notification 2017 – 14192 Officers (Scale-I, II & III), Office Assistants (Multipurpose) Latest IBPS Vacancies: Institute of Banking Personnel Selection needs to fill the unfilled areas of 14192 Officers with the proficient aspirants and circulated vocation commercial towards this opportunities. IBPS CWE RRB Advertisement 2017 is welcoming application shapes from the […]

The post IBPS CWE RRB Recruitment Notification 2017 – 14192 Officers (Scale-I, II & III), Office Assistants (Multipurpose) Latest IBPS Vacancies appeared first on iLatest Govt Jobs.


          IT-Vorreiter in der Finanzindustrie können sich erneut für Innovationsaward bewerben   
IT-Vorreiter in der Finanzindustrie können sich erneut für Innovationsaward bewerben St. Gallen/ Leipzig - Welche Unternehmen gestalten die Zukunft der Finanzindustrie? Anbieter, die innovative und technologiebasierte Lösungen bieten, können sich mit ihrer Idee um den diesjährigen Banking IT-Innovation Award und Insurance IT-Innovation Award der Universitäten St. Gallen und Leipzig bewerben. Am

          Manufacturing Associate (Cell Banking)   

BioLegend develops world-class, cutting-edge antibodies and reagents for biomedical research, manufactured in our state-of-the-art facility in San Diego, CA. Our mission is to accelerate research and discovery by providing the highest quality product [...

The post Manufacturing Associate (Cell Banking) appeared first on San Diego Biotechnology Network.


          IT Support Data Center DE   
DE-Newark, About Randstad: Randstad is responsible for the entire day to day management of state of the art data center operations throughout the United States for a multinational banking and financial services holding company. It is the largest of its kind in the United States with total worldwide assets in excess of US$2 trillion. Primary Duties within client: We are responsible for the day to day manageme
          Bokhari banking on succeeding Smith on city council   
By John Patrick There will not be an incumbent running for re-election in District 6 of the Charlotte City Council. The electoral vacuum is due to Republican Councilman Kenny Smith’s candidacy for mayor, and a local business leader hopes to fill the vacancy. Tariq Scott Bokhari is the Republican frontrunner for District 6. He totes […]
          Story of Joe Pullen; Murdered in Drew   

Tribute to Fannie Lou Hamer,civil rights activist, who often told the story of Joe Pullen

If we must die, let it not be like hogs: hunted and penned in an accursed spot! If we must die; oh let us nobly die…fighting back. – Claude McKay (1889-1948).

Historians now define the period from 1954 (the year of the Brown v. Board of Education decision) to 1965 as the Modern Civil Rights Movement. The African-American struggle for freedom and civil rights began long before Brown, however, and is a central part of U.S. history.

IN THE SMALL COTTON TOWN OF DREW, Mississippi the heart of the Mississippi Delta and birthplace of Archie Manning, some black elders still talk about a story passed down by their parents and relatives focusing on a 1923 gunfight raging into the early morning hours of December 15 between Joe Pullen, a tenant farmer and WWI veteran, and plantation manager W.T. Saunders.

The fight would turn out to be a watershed event in U.S. history.

Pullen shot and killed Saunders during an argument over money and then Pullen’s own life ended in a ditch at the edge of Drew when he was shot after an all-night gun battle.

The small town had buzzed with rumors that several dozen posse members were killed and possibly hundreds wounded before Pullen was taken down by machine gunners brought in from Clarksdale; some older Drew residents maintain that for years after the gunfight, a good number of people were using canes and displaying other signs of injuries received during the gun battle.

There are several versions of the Joe Pullen story, both written and spoken. In one account, nearly one thousand white men searched the swamps around Drew to find Pullen. The tenant farmer is said to have killed 4, 17 or 19 whites and wounded 8, 38 or 40 before he was machine gunned down. He either died immediately or was dragged through the streets and then killed.

Local news accounts of this event were few. The weekly Indianola newspaper carried one small paragraph on December 20, 1923 reporting that: “J. L. Doggett of Clarksdale and Kenneth Blackwood of Drew, posse men wounded Friday by negro, Joe Pullen, are reported as improving rapidly as could be expected.”

Associated Press reports offered more

Four men lost their lives in a spectacular gun battle which raged until 1 o’clock this morning between Joe Pullen, Negro tenant farmer, and a posse of several hundred men in the swamps of the Mississippi delta near Drew. Nine other wounded three probably fatally. Pullen was finally captured when four members of the posse stormed the drainage ditch in which he was entrenched. The Negro died an hour later from bullet wounds. The trouble started when Pullen’s employer came to his house to collect a debt.

Fannie Lou Hamer, well-known civil rights activist from Ruleville, often talked about the shoot-out that occurred when she was a child. Hamer said that Pullen’s body was dragged into town and that people cut off body parts to keep as souvenirs. “Mississippi was a quiet place for a long time [afterwards].”

While local press claimed that four white men had died “in defense of law and order,” Mrs. Hamer was told that Pullen had killed thirteen white men and wounded twenty-six others before dying.

L. C. Dorsey, a Ph.D. sociologist, remembered how as a young child living on a Sunflower
County plantation between Ruleville and Drew she heard from her father and relatives the story of Pullen. Dorsey said that her own father often did not receive the money due him as a sharecropper, and Dorsey believed the Pullen incident had much to do with his fear of questioning “the man” over money he was owed.

Pullen’s family protested to the President [Calvin Coolidge] who sent an investigative team “because the man had been in the service, and that was what his family talked about, that this man had served his country and this is how he was treated. He had done nothing wrong and had been killed for trying to defend himself against the crew,” Dorsey said.

Alabama historian, Nan Woodruff, author of American Congo, adds to the story that Sanders may have offered Pullen $150 to recruit families to work on the plantation, and when Pullen kept the money without providing the service, the fight began.

Woodruff terms Pullen’s gunfight another “watershed event” “much like the Elaine Massacre [Arkansas, 1919] as blacks challenged the structure of white supremacy throughout the 1920s.

“Black people with guns had always threatened planter authority, particularly when disputes
arose over crop contracts or merchant bills. Despite the threat of terror, black sharecroppers and laborers fought back when their lives were on the line, even if such actions resulted in their deaths.”

Woodruff and other black history researchers write that many Southern black people had always carried guns for hunting and self-protection, but the frequency of armed confrontations between planters and croppers, based on the frequency of reporting, may have increased in the decade following World War I.

THE RULING WHITE Delta families would keep their immense social, economic and political power; the planters’ bloc maintaining its supremacy or hegemony through an efficient capitalist economy rooted in black labor manipulation. Schooling and marriage built strong family alliances, and these white coalitions, much like Mafioso, expanded into local economies, from ownership and operation of cotton gins, to real estate, and banking.

Mississippi white planters simply ran all of Mississippi.
          (Video) SGTReport -- Whistleblower: All Misery on Earth is a Business Model   


Published on Jun 12, 2017

Dutch banking whistleblower Ronald Bernard is back and this time he's exposing the entire international banking syndicate which controls not only the global monetary system, but the entire planet itself and all of its resources. The Bank For International Settlements sits atop the pyramid of power, followed by the IMF and World Bank. The power and directives flow downward through the big international banks, the multinational corporations, and finally to the governments. As Bernard explains, "All misery on earth is a business model."
          Restored Republic via a GCR as of June 30, 2017   
Restored Republic via a GCR as of June 30 2017

Compiled 12:12 am EDT 30 June 2017 by Judy Byington, MSW, LCSW, ret, CEO, Child Abuse Recovery www.ChildAbuseRecovery.com; Author, "Twenty Two Faces," www.22faces.com

Source: Dinar Chronicles

A. June 29 2017 GCR Intel Situation Report: "Colors" - GCR/RV Intel SITREP - Thursday - June 29, 2017

1. The RV was always master planned to rollout during a holiday weekend for safety purposes we are told.

2. We were told earlier in the week that Wed. June 28 would be the day, and technically it was. The RV trigger event started in Indonesia not Beijing @ 10:55am WIB Thurs, June 29, 2017 (11:55pm EDT Wed, June 28, 2017).

3. Thurs. June 29 is thus the first day of legal redemptions with the new USN for citizens of the restored Republic of the United States of America.

4. Mon. June 26 the Supreme Court restarted the Travel Ban and set the start time for 8pm EDT Thurs.--which was really a 90 day Dunford request (not Trump) designed for National Security purposes during the RV rollout.

5. With July 4th on a Tues, markets will have lowest volume of the year on Fri June 30 and Mon. July 3 - making Thurs. June 29 the last day of the quarter for floor traders to complete their 2nd quarter positions.

6. In Iraq, Mosul has been liberated officially on Thurs. June 29 per President Abahdi's own historic victory over Daesh/ISIS speech.

7. Expect a four day redemption period across North America beginning as early as Fri. June 30 after the travel ban has gone into effect and through the July 4th holiday on Tues.

8. We are told by HSBC they will release 800#s as early as Thurs. night June 29, but as late as Friday evening June 30 after markets close.

9. Republic President Paul Ryan now has the "go call" for the US portion of the RV. When he chooses to go will be in the best interests of the Republic as a once again sovereign, good standing nation in the larger world community.

10. It only took 146 years to reclaim our freedom and liberty from the 1871 created USA, Inc. (aka cabal).

B. June 29 2017 Bruce's The Big Call: Thebigcall.net Playback: 712-770-4016 pin123456#

1. Iraq completed a series of announcements yesterday June 28.

2. They reinstated the Dinar rate.

3. The Dinar is now international and trading up in value Celebrations

4. There will be a total global currency reset. Some currencies will go up in value, some go down.

5. As of 4:30 pm EDT today June 29 the banks reflected the new rates

6. The SKRs are starting to be liquidated. People will have access to their funds in a couple of days.

7. Tomorrow night June 30 at 11:58 pm EDT certain parts of the Dodd Frank Act will be gone.

8. The 800#s will come out within the next couple of days.

9. It will be a shotgun start where everyone will go at the same time.

10. The Internet group will have 4-5 days before it goes public.

11. Redemption Centers remain on active status and will be available 2 hours after the 800#s are released.

C. June 28 GCR Intel Situation Report: "Fireworks" - GCR/RV Intel SITREP - Wednesday - June 28, 2017

1. Sources are in consensus: We are at the end of the beginning.

2. As the fireworks go off each night after sundown in the US, and everyone is looking up, we'll be driving into our redemption appointments experiencing a very different fireworks explosion--in digits zeros.

3. American military is on perpetual high alert. Dunford is getting diplomatic updates every few hours. He's ready to perform on the drop of dime. If all goes as planned, you won't ever notice the incredible level of security until you're actually on site.

4. American media is ready to present the Impeachable material on Trump (except Fox that's acting as the antithesis of what's really going on), thus providing the cover for the financial reforms.

5. American politicians--House & Senate (but not Executive branch)--are fully aware of what is about to go down and will be removed if they in any way attempt to stop this or cause doubt. We're told there's an interview blackout for politicians during the RV as well, and maybe that's what their July 4th recess is really all about, and why they will get the healthcare vote done on the other side as well.

6. American banks (and military bases) are prepared for exchanges. There are 25,000 exchange points in North America alone. All banking tiers 1 thru 5 are participating as everyone wants in on these healthy cash deposits.

7. Cyber attacks are the only serious "stoppage" concern, and why Tues. June 27 global ransomware attack was cause for rethinking some of the IT security features. How long that takes we don't know, but we think that may be the last hold up.

8. Last night June 28 at 10pm EDT we were told to be ready to receive and disburse the 800#s. That didn't happen.

9. Many will be getting the 800 numbers to release them to an estimated nearly 5 million private exchangers (of the Internet Group).

10. Mon July 3 is when all accounts will be made liquid everywhere in the world at any amount, any tier.

11. Thus earlier exchanges will be post dated and credit cards / 10k cash will be used in the meantime. Still would make for an amazing weekend.

12. The New Powers That Be want all transactions to read as though they were deposited in July and principal originated after the Summer Solstice. It's a Chinese thing.

13. Our markets anticipate very low trading volume on both Friday June 30 and Mon. July 3. It would be easy to track any traders trying to front run Tues. opening bell.

14. Rates are ridiculously high and climbing. Ask for anything you can spiritually handle and then some.

D. June 28 Group Conference Call: Phillip Tilton's Outlaws group conference call replay - Duration: 16 seconds. gary larrabee https://www.freeconferencecallhd.com/wall/recorded_audio?...

1. Last Mon. June 26 the US Supreme Court activated a flight ban - to go into effect Thurs. June 29. It is believed that one of the reasons our skies are being patrolled is for security during the exchanges. Trump's Travel Ban to Take Effect on Thursday Evening

2. Yesterday June 27 Mosul was declared liberated. Iraq was done.

3. 70 countries are now ready for NESARA, Disclosure and announcements of the new technology that will benefit humanity.

4. The groups in Reno were surprised June 28 am when Obama released an amnesty agreement previously assured by his administration and made a payment.

5. On June 28 there were 38 banks which underwent stress tests. All passed except Capitol One which has a lot of credit card debt. They will have to reset.

6. News from Reno was to prepare yourself to exchange. Bankers were trained to check to see if you could handle the funds. Anyone who showed problems would be pushed to the end of the line.

7. All intel was in a blackout mode.

8. Exchanges have taken place.

9. 800#s would come out anywhere from Fri. June 30 to Fri. July 7.

10. On July 2,3,4 Zim Bond exchangers were expected to be exchanging at off site redemption centers. (Zim exchangers could exchange other currencies at the same time).

11. July 27,28, 29 could be when public currency exchanges began.

12. The latest known rates:

Zim $65

Dong $128

Dinar $245

Afghan $10.50

Rial - don't know as Iran may be under sanctions

13. When you receive your personal 800 number do not put it online on the internet as it would be made non functional if you did.

14. It would be smart to be at the Exchange Center in the first four days and no later than the first 8 days.

15. Exchange Centers would be open within 2 hours of the 800#s coming out.

16. You could leave the exchange with $10,000 cash and a Credit/Debit Card. For security reasons you may not want a Black Credit/Debit Card. They were too noticeable and could put you in danger. Instead, up to 10 million $ could be made available on a Gold Credit/Debit Card or a Platimum Credit/Debit Card.

17. In negotiating your exchange and interest rates your banker would be evaluating you for your honesty, sincerity in wanting to help humanity and ability to handle big money.

18. The banker might offer you interest rates that ranged from 4-8% to 12-15% on the money left at the bank, depending on how you appeared ready to handle the money.

19. Refer to the Zim as a gold-backed bond, not a currency. Say that you were there to exchange. Ask to see the back screen rates. Negotiate your exchange rates and interest rates. The right terms would show how educated you were on the exchange.

20. In your exchange ask to see the Back Screen Rates, which were higher than the regular screen rates.

21. In addition to your Wealth Manager, you would be given the opportunity to hire the services of a Family Office to work for you.

22. Your money would be put in a Skeleton Trust until you decided what you wanted to do with it (with the help of your Wealth Manager). It was recommended that you bridged that money from the original trust to several trusts, (with up to 5 LLCs under each trust account).

23. It was recommended that you put all funds in a Trust or Foundation and none in your own name. You didn't want to own anything, but wanted to have control of everything. Doing so would keep you from being a target for the bad guys.

E. June 29 2017 One Who Knows: http://www.ascensionwithearth.com/201...

1. After the 800#s were released you would have three days to call for your appointment.

2. You don't necessarily have to say Zim Bond or Exchange in order to get the higher rates.

3. You do have to ask for the higher rates in order to get them.

F. June 28 Intel Situation Report: "Carcass" - GCR/RV Intel SITREP - Wednesday - June 28, 2017 The RV officially process for the US began at midnight on Wed. PST.

G. June 29 2017 Landa Global Call: Landa Global CC Replay: Humanus Update 6-28-18 On Sunday June 25 the US sovereignty was signed off on.

H. June 28 2017 AdminBill: ADMINBILL TIDBIT, 28 JUNE

After a long drought of no news there was much going on. No dates or rates, but the activity was very encouraging.

I. June 29 2017 TNT RayRen98 Update: Thursday Update from TNT RayRen98 6-29-17 Iraqi citizens abroad reported that the Abadi speech referenced the following:

1. The ending dash reign in Mosul.

2. The country was free and moving forward to a stable and secure life for all citizens.

3. Declared the end of ISIS rule in Mosul.

J. June 29 2017 Historic Changes Europe, Asia Fulford Report: "Historic Changes in Central Europe and Asia" - Fulford Report - 6.26.17

1. The Pentagon sources say US President Donald Trump’s son in law Jared Kushner was sent on orders of the US military/intelligence establishment to Israel to meet Israeli Prime Minister Benyamin Netanyahu to demand regime change there.

2. It is no coincidence the Iranian and Hizbollah forces, protected by a new Russian air base, have arrived at the Israeli border to give notice to the criminal Netanyahu regime that it is militarily isolated from the world. The US military is not going to fight to protect the criminal Netanyahu regime, the Pentagon sources say.

3. A similar move is being made in the Ukraine where President Petro Poroshenko has been summoned to Washington “to discuss regime change,” the sources say.

4. These moves are part of a worldwide effort to end all conflicts and prepare the way for a new financial system, they say.

5. There is also likely to be regime change in the US, the sources continue. Here the latest developments show the entire “blame Russia” campaign by the old establishment is failing. Instead the “Cabal is on its back foot as Bernie Sanders and wife Jane are under FBI investigation for bank fraud and former attorney general Loretta Lynch is under a Department of Justice probe for obstruction of justice,” the Pentagon sources say.

Past Week of Updates:

Restored Republic via a GCR: Update as of June 29, 2017

Restored Republic via a GCR: Update as of June 28, 2017

Restored Republic via a GCR: Update as of June 27, 2017

Restored Republic via a GCR: Update as of June 26, 2017

Restored Republic via a GCR: Update as of June 25, 2017

Restored Republic via a GCR: Update as of June 24, 2017

Restored Republic via a GCR: Update as of June 23, 2017

Global Humanitarian Projects: www.humanus.ca

Global Humanitarian Projects: www.landachinaglobal.com
          Business System Analyst, Digital Banking Production Support - Scotiabank - Scarborough, ON   
Facilitate problem-solving discussions and general communications between the business and IT and within IT itself....
From Scotiabank - Thu, 29 Jun 2017 18:49:53 GMT - View all Scarborough, ON jobs
          Director, International Banking Operations Audit - Scotiabank - Toronto, ON   
Requisition ID: 896 Join the Global Community of Scotiabankers to help customers become better off. Director, International Banking Operations Audit Purpose
From Scotiabank - Tue, 27 Jun 2017 06:46:38 GMT - View all Toronto, ON jobs
          Director Internal Controls, International Banking (Bilingual Spanish) - Scotiabank - Toronto, ON   
EO, IB &amp; Operations departments and major stakeholders. Join the Global Community of Scotiabankers to help customers become better off....
From Scotiabank - Fri, 30 Jun 2017 18:51:01 GMT - View all Toronto, ON jobs
          Recruiter - Veterans Sourcing Group - Ohio   
O Robots, Spiders, RSS Feeds and other Automated alert/notification technology. A Large Financial Banking Organization is looking for Recruiter in Columbus, OH....
From Veterans Sourcing Group - Thu, 25 May 2017 03:23:51 GMT - View all Ohio jobs
          Syndicate Operations Director - Institutional Securities Group - Requisition #:   
Morgan Stanley is a leading global financial services firm providing a broad spectrum of investment banking, securities, investment management and wealth management services. The Firm's employees serve clients worldwide including corporations, governments and individuals from more than 1,200 offices in 43 countries. As a market leader, the talent and passion of our people is critical to our success. Together, we share a common set of values rooted in integrity, excellence and strong team ethic. Morgan Stanley can provide a superior foundation for building a professional career - a place for people to learn, to achieve and grow. A philosophy that balances personal lifestyles, perspectives and needs is an important part of our culture.
          Senior Syndication Consultant (open location)   
Required ID: 29201 Areas of Interest: Commercial Banking, Syndications BOK Financial (BOKF
          U-turn   
Bakou n'est pas le seul circuit où les F1 se croisent sur deux longues lignes droites opposées : le tracé de l'Avus, à Berlin, empruntait l'autoroute dans les deux sens en effectuant un spectaculaire demi-tour sur un banking particulièrement relevé... Il sera fatal à Jean Behra en 1959, provoquant l'abandon...
             
SACP General Secretary Cde Blade Nzimnade: Address to the 11th National Congress of NEHAWU - Defend, Advance and Deepen the NDR: Strengthen Workplace Organisation, Deepen Class Consciousness and Advance Internationalism!
26 June 2017

Allow me on behalf of our SACP Central Committee and membership as a whole to express our sincere gratitude, for this opportunity to address your very important 11th National Congress. The importance of your congress theme cannot be overemphasised: Strengthen workplace organisation, deepen class consciousness and advance internationalism.

Let me also take this opportunity to congratulate your President, Comrade Makwayiba for having been elected the first African to hold the position of President of the World Federation of Trade Unions, the WFTU. This is an honour to you Cde President, but it is also something that Nehawu must be proud of, and indeed for the entire working class, including its vanguard Party, the SACP.

Together let us intensify international solidarity and comprehensively advance internationalism!!

The clarion call in your congress theme to advance internationalism requires that we underline that this year is the year of the centenary of the Great October Socialist Revolution, which occurred in Russia in 1917. This was an epoch-making event, with long-term and deep-going significance in the recorded history of human society, the history of class struggle as Marx and Engels state in the Communist Manifesto. The Soviet Union, which was established following the Great October Socialist Revolution, supported national liberation struggles. These struggles were largely taking place in the colonised global South.

The history of the liberation breakthroughs that took place in our own region, Southern Africa, will be incomplete without recognising the international solidarity support offered overwhelmingly unconditionally by the Soviet Union. The Communist Party played a major role in this regard as a Party of both national liberation and socialism, a Party of internationalism, and as part and parcel of the international communist movement. This is the context in which the massive material, financial and training support offered by, and our struggle received from the Soviet Union, was located!!

We have reasonable expectations that this important Nehawu 11th National Congress will discuss a programme of activities to celebrate both the Great October Socialist Revolution and its contribution to our democratic breakthrough. In addition, we are looking forward to the outcome of this congress in strengthening international solidarity with other people of the world who are facing capitalist exploitation, its highest stage of imperialism and political forms of domination.

The measures recently adopted by the United States President Donald Trump toughening his imperialist dictatorship regime's oppression of the Cuban people must not go unchallenged. The SACP reiterates its call for the United States to unconditionally lift its inhuman political-economic embargo against Cuba, and to withdraw its occupation of the Cuban territory of Guantanamo Bay. In the same vein, the SACP expresses its message of democratic revolutionary solidarity with the people of Western Sahara and Palestine, among others whose land is occupied by oppressor regimes.

Imperialism, the highest stage of capitalism, in its neo-liberal model is facing a crisis. It has no clear alternative to this. Such situations present possibilities and dangers as well. Crises in the capitalist system always open prospects for progressive and Left revolutionary advances. As we have seen there were some important advances for the Left in places like Latin America, with the emergence of Left governments over the last ten years or so, as well as in places like Greece. However, imperialism is fighting hard to reverse some of these gains. That is why, amongst other things, we must also intensify solidarity with the people of Venezuela.

However, on the other hand, capitalist crises also pose dangers for the emergence of Right-wing populism and neo-fascist forces, as we see in parts of Europe and in the United States. The rise of Donald Trump and the racist or xenophobic aspects that were associated with Brexit represent some of these dangers that as the Left we need to roll back. That is why deepening Left solidarity across the globe is an absolute imperative, both in the immediate and the overall struggle for socialism.

Let us intensify the struggle against imperialism on our shores, together let us defend, advance and deepen our national democratic revolution!!

Your congress is separated only by one week from our Party's 14th Congress, which will take place from 10 to 15 July. Following both our congresses, on 30 July the SACP will be celebrating the 96th anniversary of its founding. The Party will be four years away from celebrating its centenary in 2021. Related to these major Party events, is the question of the Party's Political Programme and what the Party would like to see our society achieve.

Our Congress will therefore discuss the context, content, strategic tasks and take resolutions to update our Party Programme.

Our focus will be on the five years from July 2017 to July 2022 when the programme will be reviewed again. This task will be based on the immediate objective to complete the national democratic revolution and aim to secure a socialist transition to the ultimate goal of communism. The Congress will be convening under the theme: Defend, Advance, Deepen the National Democratic Revolution - The Vanguard Role of the SACP.

The congress discussion documents and position papers, as well as the declarations and resolutions from our last Party Congress held in 2012 and the Special Congress and Media Transformation Summit respectively held in 2015, place emphasis on the important question of moving our national democratic revolution on to a second, more radical phase. This includes deepening democratisation in all spheres of societal activity and advancing real radical economic transformation - as opposed to corporate state capture, corruption, rent-seeking and enriching a few simply because they are black at the expense of the immense majority of our people who remain sandwiched between the hard-pressed vice grips of economic exploitation, persisting high levels of inequality, unemployment and poverty.

Related to these questions are the imperatives of strengthening organisation, unity and cohesion of the motive forces of our revolution. In this context the congress will discuss the necessity to advance the reconfiguration of the alliance. Linked directly with this question is the fundamental issue to any revolutionary party. That is the whole question of state power.

Rather than narrow the issue of state power to party political power, our stance at present is that the SACP seeks to establish democratic working class power and hegemony over the state and all other key centres of power in particular and society in general. It is in this context that the relationship of the Party to state power must be firmly anchored. This is why we have correctly expanded the issue of state power in relation to the Party to include popular power.

The Alliance must be reconfigured!

In the coming period the ANC-headed alliance will be and must be reconfigured. Our view as the SACP is that while the alliance remains both important and strategically relevant, its workings are outdated and must be changed to move with the times. The style of work whereby certain leaders in the ANC or leading structures of the ANC alone take decisions on policy, legislation, regulations and key deployments as if there is no alliance will not hold the alliance together. The rise of factionalism and its entrenchment at all levels has resulted in a situation where there is no consultation on certain decisions even within the ANC, let alone consultation with other alliance partners. The last Cabinet reshuffle glaringly exposed this weakness. And there are other decisions taken even thereafter both at national and sub-national levels without consultation with the alliance.

If we are an alliance we must work together and consult on all major policies, decisions and deployment concerning our revolution. Otherwise there will be no justification why we are in an alliance without a material effect. One thing is certain, the national democratic revolution belongs to all of us, and so is the government. Without making SACP and COSATU decisions ANC decisions, we must, working together as the alliance, inform the direction of our shared revolution - especially what must happen in parliament, government and other state organs. In other words, in the same way as we should not impose SACP and COSATU decisions on the ANC, the ANC should not impose its decisions on the SACP, COSATU and the Alliance (including SANCO). The ANC-led electoral platform is not exclusively an ANC affair, which is why we have opted for a single electoral platform since our country's first democratic elections in 1994. This is an alliance platform. It is a platform for the whole of the historical support base of our struggle. This is why the alliance must function democratically and build an inviolable contact with the masses to express their will in decision-making, legislation and public policies.

However, comrades, we must bear in mind that reconfiguring the Alliance is not a boardroom exercise. It is a function of, and is determined by the balance of forces on the ground. If we as the socialist axis of the Alliance, the SACP and COSATU, are weak, we will not be able to drive the reconfiguration of the Alliance. Related to this is the need to ensure that we remain in an Alliance with the ANC and not with the Guptas or some faction of the ANC associated with them or not!

Build the broadest possible patriotic, popular front of progressive forces!

Related to the reconfiguration of the alliance is therefore the crucial imperative of building the broadest possible patriotic and popular front to defend, advance and deepen our democracy and national sovereignty, to fight corporate state capture, corruption, rent-seeking and all forms of manipulation of our national wealth and public resources by sections of individuals and elitist groupings - regardless of whether they are black or white. This must go hand-in-hand with forging a common, widely-accepted programme to radically reduce, towards eventually resolving, the problems of inequality, unemployment and poverty. This is where real economic transformation to eliminate the colonial features of our country's economy and place our national wealth and public resources at the disposal of the people as a whole will be crucial.

If we allow the state to be captured, we will not be able to roll back, let alone defeat, monopoly capital. If we have a weak state, including the very government departments that you, comrades, work for, as well as state owned enterprises to be captured by and to serve private interests, our capacity to build a democratic developmental state will be severely weakened. That is why the SACP and the working class need to properly characterise corporate state capture as part of a counter-revolution! Put differently, monopoly capital and parasitic networks seeking to capture the state and sections of our movement are two sides of the same coin. Both want to accumulate on a capitalist private basis, the former through a rules-based exploitative regime, the latter through both that and the theft and looting of public resources!

The defenders of the Gupta-centred brazen smash and grab private wealth accumulation, and the exploitation of our national assets, are accusing us of focusing only on tackling the Guptas and leaving the rest of private monopoly capital untouched. They must have been fast asleep when the SACP almost single-handedly initiated and consistently driven the financial sector campaign to tackle finance monopoly capital. COSATU and other progressive formations correctly backed the campaign. The campaign has been going on for over 17 years now. It has scored notable achievements, such as the National Credit Act, the National Credit Regulator and the low banking transactional account, the Mzansi Account.

There is still more work to be done to overhaul our country's financial architecture and make it serve our people, their economic and social needs. This is one of the reasons why we maintained financial sector transformation at the centre of our Red October Campaign. This is the reason why we have been pushing for the convening of the second national financial sector summit under the auspices of the National Economic and Labour Council (NEDLAC). It is for the same reason why we are linking financial sector transformation with the imperative of developing national production through manufacturing expansion and diversification.

It is exactly for these reasons that we have been pushing for policies that will direct investment to the productive sector of the economy to create jobs and reduce unemployment, as opposed to the speculative, gambling-type economy dominant in the financial and capital markets. It is for the same reason that we have been pushing for an end to the ongoing capital investment strike.

Our programme of financial sector transformation is fundamentally different from the agendas of those who just woke up recently after the banks cut their long standing, mutually beneficial ties with the Guptas. They woke up solely to defend the Guptas and divert attention from the rot associated with their brazen smash and grab private wealth accumulation. They must have also been fast asleep when the SACP almost single-handedly initiated our ongoing campaign on transformation of the media. The campaign correctly received support from COSATU and other progressive formations.

Our media and communications paces are under the yoke of the private monopoly of the colonial era Naspers, which was the mouthpiece of the Broederbond, the ideological vanguard of apartheid. The defenders of the Guptas must have been fast asleep to notice our campaign for the transformation of the media. It is none other the SACP that has consistently taken up, as part of our media transformation campaign, campaigning against the unfair deal conveying SABC archives, our national heritage and associated programming control to a private company, Naspers' subsidiary, MultiChoice. We remain firm that the exploitative deal must be terminated.

If we are to save the SABC, we must bring to an end its hollowing out. We must restore its public broadcasting operations and related support functions back to the SABC. The recent termination by the interim SABC board, of the parasitic Business Breakfast show by the Gupta-owned New Age Media must have woken up the defenders of the Guptas. The SABC can run that show without the Gupta's New Age Media.

There are many self-explanatory examples of the struggles the SACP has waged and continues to wage against monopoly capital.

This includes the struggles we have waged, together with COSATU, as far back as 1996 against the neoliberal Growth, Employment and Redistribution (Gear) economic policy. The defenders of the Guptas do not obviously care about the people as a whole. They simply buried their heads in the sand so they could not notice these struggles.

Let us intensify the struggle against the parasitic networks and build a democratic developmental state!

Let us intensify the struggle against parasites, including the parasitic bourgeoisie. Unless we dislodge parasites from their capture of key levers of power and decision making in our movement and the state, we will not succeed in tackling monopoly capital, the main adversary of our revolution. This is because parasites, as we already can see, will weaken the strategic
capacity and discipline within the ranks of our movement, divide and destroy it. But first they will render it paralysed.

Comrades, what is being revealed by the current emails that the media is releasing bit by bit and on a weekly basis, may actually be the biggest scandal and crisis facing our country and movement since the 1994 democratic breakthrough! The veracity of the content in these emails is being proven as the truth almost every time there are new revelations.

The SACP has called for the establishment of a judicial commission into corporate state capture. We are happy that the ANC national executive committee has now agreed, and government has also accepted the idea. We now call upon this commission, which must be independent, to be established without any further delay. Whilst those who have applied for a review of the Public Protector's findings and remedies, have the right to do so, but in the meantime a credible and quicker way of establishing the judicial commission must be found as a matter of urgency, and without any further delays!

Whilst a judicial commission will hopefully help us to expose and understand the depth of the problem we face, state corporate capture will only be defeated through organised mass power of the progressive trade union movement, working in tandem with a broad patriotic and popular front of forces.

It is for the above reasons that the SACP is concerned that the labour movement is too inactive in the wake of corporate state capture. If truth be told, unless workers stand up to fight corporate state capture, our country and our revolution will be gone. NEHAWU, as the largest union in the public service, has a leading responsibility and role to play, in rolling back and defeating the corporate capture of the state. The SACP calls upon NEHAWU to play its role. The SACP will support you. We need working class action, across COSATU and beyond! Sukumani Maqabane!

In fact, this Congress is correctly calling for deepening class consciousness. But how do you deepen class consciousness? It is through a combination of at least three deeply interrelated and often mutually reinforcing processes: strong organisation, activism and mass action, as well as political education. Political education is not only theoretical classes. It is also requires active participation in class struggle. Intensification of class struggles is absolutely necessary to build organisation. But as Lenin correctly said, Theory without practice is sterile, just as practice without theory is blind! Put differently, the struggle against parasites is an important site of struggle and education for workers to clearly understand the different class forces that are contesting the state. Wage the struggle against parasites to educate workers, and educate workers by intensifying the struggle against parasites!

However, the struggle against monopoly capital and parasitic networks must be subjected to our overall goal of building a democratic developmental state and intensifying the struggle for socialism. Again, NEHAWU has an important role to play in this regard, given its structural location in the public service. NEHAWU has an important role to play in the building of a patriotic and professional cadre of civil servants and public sector managers dedicated to serving the people. In fact our revolution will not advance, unless we develop such a cadre. For instance, NEHAWU must also have an interest in workers, but also beyond workers so that we ensure that there are indeed professional managers.

One of the biggest challenges we face in our public service is forever tempting especially senior managers with BEE and tender opportunities, including the dangers of such managers becoming corruptible or outright being bought. This has unsettled and compromised a number of our public sector managers, as well as other public servants. NEHAWU must assist in this regard.

The SACP also calls upon NEHAWU to build its capacity to be able to play a much more prominent role especially in higher education. Much as today we hear about all sorts of concepts about the transformation of higher education, NEHAWU must help to ensure that these struggles are grounded in the struggle to realise people's education for people's power.

Strengthen workplace organisation through a united NEHAWU!

Comrades, the SACP welcomes the focus of your Congress theme, also on strengthening workplace organisation. Make sure that you come out of this Congress with a very specific programme of action to do so. The SACP supports your struggles for a comprehensive social security. But, also, and please, comrades, come closer to the Public Investment Corporation. Ensure that you have an effective say in how your pension moneys are invested. You must know that to you, those are your retirement investments, but to parasites, that is loot worth more than R1.7-trillion! Pay attention to workers' concerns in the workplace, whilst at the same time not allowing NEHAWU to be used as a refuge for delinquent workers and managers.

Dear comrades, please do not forget that your capacity to strengthen workplace organisation principally depends on unity. A divided NEHAWU will never be able to be strong in the workplace. This is not the time for divisions. The time for divisions must actually not find any space in the ranks of the working class and its formations, now and going forward. This is why we are advising you, comrades, and comradely, to stand united. There is no reason in principle why you should not engage with one another on any question to reach consensus and preserve unity within the ranks of the union, if you can negotiate with the employers to reach consensus in the form of bargaining agreements. Principled and programmatic unity builds. Divisions destroy.

It is easy to destroy. But it is not easy to build, especially a high quality and long-lasting formation. Let us build strong organisation at the workplace. Let us pay undivided attention on the plight of the workers at work, in politics, in the community and everywhere they are affected anything whatsoever.

Use this Congress to unite yourselves! This is the simplest, but perhaps most important, message from the SACP to this Congress!
The SACP wishes you all the success your congress needs!

Thank you.

          Branch Administrator   
About us ScS is one of the most recognisable brands in retailing, with a network of extremely successful stores throughout the UK. We continue to grow from strength to strength thanks to our great products, teamed up with driven and focused staff. As the UK's leading sofa and carpet retailer with over 100 years trading, we value our staff as much as we do our customers. About you This is a role for an experienced administratorwho can demonstrate a strong desire to support our retail network. You will have the ability to provide outstanding accuracy when banking, completing paperwork, identifying discrepancies, processing orders and liaising with our customers, support teams and distribution outlets to ensure an exceptional customer service is maintained. You`ll become part of a vibrant team in a demanding retail environment sharing a common purpose in providing the highest quality product and service to all our customers during extensive opening hours (including weekends, evening and bank holidays). About the role You will be based in a busy but friendly retail store, dealing with a mix of inbound and outbound calls, processing orders for our sales professional`s, along with other essential administrative duties. Key Skills Required Good understanding of Microsoft Office Able to demonstrate excellent customer service skills and experience Capable of managing own time to meet deadlines Proven organisational skills and attention to detail Maintain a consistently smart and professional image Demonstrate excellent communication and interpersonal skills
          Summer Is For Fishing And Not Phishing   

Summer has arrived all around the northern hemisphere. Many of us prefer to jump up and head outside to enjoy the spoils of the season and that is certainly fantastic. However, scammers don’t honor the seasons. They will try to trick us with their own version of phishing all year round. As we go into relaxation mode, it’s still important to keep an eye out for attempted scams and particularly for the phishing that doesn’t involve a pole, a boat, or water.

Phishing is still the most common way, by far, that information is stolen and .malware makes its way onto computers and mobile devices. It’s worth taking a moment to review the signs that an email message or phone call may be phishing for you

  • A reward is offered, such as a gift card or some other freebie.
  • There is a sense of urgency, such as an account will be blocked or a punishment will occur if you don’t do something.
  • An attachment or link is included in an email that is unexpected or from an unfamiliar sender.
  • There is a request to open a file, click a link, or share something. If a form follows a click that asks for information to be entered or login credentials to be entered, it should be considered suspect.
  • The greeting and message are generic. If it doesn’t have any indication that the sender knows something personally about you, it could be a scam.
  • The sender’s email address is strange or unfamiliar. If you open it up by clicking it, you can see the entire address; not just the name.
  • If a link inside goes to a web address that seems strange or unexpected. If you hover the mouse pointer over those links, you can see where it will take you.
  • A site asks for sensitive information, regardless of how you arrived at it, and the address isn’t preceded by “https:”
  • The caller on the phone starts asking for sensitive information such as passwords, login credentials, or payment card information.
  • A caller tries to scare you into providing or doing something.

Even if none of these indicators are present, it’s not a guarantee that the message is phishing. However, the risk is significantly lower.

It’s unlikely anyone will give up the Internet for the summer, nor is it expected. So just be sure to stay on your game for spotting phishing, so you don’t take the bait.

For additional articles on phishing and more, visit the 
          Logix Employees Give $120,000!   

In case you missed it, last week was an exciting time for us and the four local charities we support!  We proudly presented $30,000 checks to Penny Lane Centers, Burbank Temporary Aid Center, For The Troops, and Circle of Hope, Inc.


          Relationship Manager I - Business Banking - PNC - Mount Vernon, OH   
At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. PNC provides equal employment opportunity to qualified...
From PNC - Fri, 23 Jun 2017 12:00:37 GMT - View all Mount Vernon, OH jobs
          SECRETARY - Catholic District School Board of Eastern Ontario - Brockville, ON   
Experience with Maplewood Attendance and Scheduling and the School Banking program. Secondary School Diploma and one (1) year relevant post secondary diploma.... $22.86 an hour
From Catholic District School Board of Eastern Ontario - Tue, 27 Jun 2017 14:41:42 GMT - View all Brockville, ON jobs
          Andrew Bird: "Le" concert à ne pas manquer   
 

Dire qu'il y a à peine deux mois je ne savais pas qui était ce monsieur et puis me voici en quelques jours en possession de ses deux derniers albums et d'une place de concert pour aller le voir au botanique à Bruxelles.. Très peu d'artistes jusque là m'ont marqués si vite à ce point là!

Ce fut un des meilleurs concerts auquel j'ai pu assister durant ma petite vie:
Des violons, des xylophones, des sifflements, une guitare, le tout joué par la même personne qui se sample en "live" pour nous mélanger tout ça et nous servir des mélodies magiques et encore plus touchantes que sur les albums. Car Andrew Bird en live, ce n'est pas un playback d'une heure de ces meilleurs titres, non! C'est de l'inventivité perpétuelle, Andrew retravaillant tout sur le moment. Et puis pour l'accompagner un batteur vraiment impressionant (pas l'habitude de voir un batteur jouer comme ça dans ce type de musique..) qui donne une dimension encore plus captivante à ces perles pop-rock.

Bref un concert à ne pas manquer aux eurocks et un grand talent à découvrir d'urgence!!!

Le site internet:
http://www.andrewbird.net/

Les chansons que je vous conseille vivement (sur les deux albums que je connais bien sur..je me procurerais les autres au plus vite..)

sur Andrew Bird and the mysterious production of eggs:A nervous click motion of the head to the left, fake palindromes, banking on a myth, tables and chairs, mx missiles
sur weather systems: I (lire "capital I"), Sovay (extra track pour l'Europe, diponible aussi sur le dernier album), Lull

Mais tout le reste est également génial

à voir sur le net:
http://www.fabchannel.com/
un live d'andrew bird à visionner dans les "video on demand"


          Re: Janet Yellen Says A New Financial Crisis Probably Won’t Happen ‘In Our Lifetimes’ But The BIS Says One Could Soon Hit ‘With A Vengeance’   

And what does any of that nonsense have to do with the banking system or Federal Reserve in the USA?


          Mobile Advertising Global Market by Service, Data Validation, Analysis and Forecast 2022   
Search advertising commanded the market as it is majorly preferred by the industries such as Banking, IT, and FMCG. It offers an opportunity to place online advertisements on the webpage that shows results from search queries, howeve... [article continues]
          TeensLoveAnal – Sarah Banks – Big Booty Banking   

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TeensLoveAnal – Sarah Banks – Big Booty Banking

Screenshot INFOFile: tlasarah.mp4Size: 307834509 bytes (293.57 MiB), duration: 00:36:23, avg.bitrate: 1128 kb/sAudio: aac, 48000 Hz, stereo (eng)Video: h264, yuv420p, 720×404,

TeensLoveAnal – Sarah Banks – Big Booty Banking
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          Financial Consultant -   
This Financial Consultant Position Features:
**Great Pay to $75K***

Immediate need for financial consultant seeking a candidate looking for a challenge in the marketplace. We are looking for someone who has experience in moderate complex financial analysis. Conduct extensive research with operations, financial and economic data in order to interpet findings. Recommends business approaches to management. Software/Database: SAP, SQL, Oracle preferable and exceptionable Excel skills. Banking and Consumer Lending company. Great benefits. Apply for this great position as a financial consultant today! We are an equal employment opportunity employer and will consider all qualified candidates without regard to disability or protected veteran status.
          Business Analyst -   
This Business Analyst Position Features:
? If you are up for a challenge and looking for a new endeavor for 2015, you have found the opportunity. This is full-time 8am to 5pm, Mon- Fri, 6 month contract but could extend further.

Immediate need for business analyst. The person that possesses these skill sets will be successful in this role: 3 years in reporting and analytical, Bachelor degree, proficient in Excel- V-lookup; creation of pivot tables for reporting; Strong business analysis; Problem Solving. Will be responsible for finding trends using statistical and/or financial analysis, modeling, profitability analysis, presents finding to increase revenue and decrease expenses for Banking Lending company. Great benefits!! Apply for this great position as a business analyst today! We are an equal employment opportunity employer and will consider all qualified candidates without regard to disability or protected veteran status.
          Administrative Assistant- Up to $35,000/Year DOE   
Are you someone that thrives in a group environment?

We are looking for an outgoing, extremely accurate assistant to help with out with our attorneys in commercial finance.

We are looking for experience in banking, loan, title or similar experience.

This is a fast paced position that requires hands on experience to assist with things such as opening new files, printing documents for files, black lining documents, converting Word documents to PDF, and other clerical tasks.

Performs administrative and office support activities for multiple supervisors. Duties may include fielding telephone calls, receiving and directing visitors, word processing, creating spreadsheets and presentations, and filing.

Extensive software skills are required, as well as Internet research abilities and strong communication skills.

If you have the drive and experience please apply for this great opportunity today.
We are an equal employment opportunity employer and will consider all qualified candidates without regard to disability or protected veteran status.
          Experienced Finance Accountant Needed ASAP!   
A well-known high profile organization has an immediate need for an Accountant in the Treasury Department on a contract basis.

The ideal candidate will have strong financial analysis experience and be able to perform major accounting work involving all financial transactions and reporting in accordance with Generally Accepted Accounting Principles and the Government Accounting Standards Board.

Responsibilities will include:

Preparation of monthly financial statements, annual reports, assist in annual audits, and have a working knowledge of fund accounting.

Participate in the ongoing development of accounting/management information systems and procedures for the maintenance of complete and accurate accounting records, including journals and ledgers.

Compile, interpret, and analyze accounting data and monitor/update budgets.

Prepare cash management forecasts; monitor cash balance; reconcile banking transactions; analyze accounts receivable; review daily sales and credit card reports; prepare quarterly and annual revenue/sales reports.

Review, analyze, verify and/or reconcile revenue, and general ledger details. Perform account and fund reconciliations and G/L journal entries to ensure the accuracy and reliability of the accounting records.

Minimum Qualifications:
Bachelor's degree in accounting, finance or related field plus two years of full-time accounting or related experience.
Ability to analyze and solve accounting problems with timeliness and accuracy.
Must be able to prioritize work to affect an orderly flow of accurate information within the Finance Division and to other parts of the District. Good oral and written communication skills.

We are an equal employment opportunity employer and will consider all qualified candidates without regard to disability or protected veteran status.
          Tickets on bus on route Vilnius-Kaunas-Suwalki-Warsaw available in cash only   
30/06/2017

Dear clients.

We would like to inform you that on route Vilnius-Kaunas-Suwalki-Warsaw it is possible to buy a ticket from the driver only in cash. (PLN or EUR)

You are always able to purchase your ticket in advance in our sales system using card/internet banking.

Sorry for any inconveniences caused,

Lux Express


          Recruiter - Veterans Sourcing Group - Ohio   
O Robots, Spiders, RSS Feeds and other Automated alert/notification technology. A Large Financial Banking Organization is looking for Recruiter in Columbus, OH....
From Veterans Sourcing Group - Thu, 25 May 2017 03:23:51 GMT - View all Ohio jobs
          Financial Reporting Sr .Analyst - Market Risk-17039577 munkakörbe keresünk munkatársat. | Felad...   
Financial Reporting Sr .Analyst - Market Risk-17039577 munkakörbe keresünk munkatársat. | Feladatok: Job Purpose: • • Financial Reporting Senior Analyst specialised in Market Risk reporting under Basel2/3. Responsible for the preparation of Market Risk related financial returns for select EMEA legal entities within Citigroup. • • The Market Risk Reporting Analyst will monitor and analyse the capital requirements generated by various products transacted in the Trading Books of prudentially regulated Citi EMEA entities. These include equity and debt securities, commodities, foreign exchange and various derivatives of the above, including exchange traded and OTC products. • • The Senior Analyst will liaise with several departments outside of Finance, most of them located overseas, thereby gaining exposure to a broad range of international stakeholders. • • Job Background: • • The Department • • EMEA Regulatory Reporting Citi Service Centre CsC in Budapest is a key part of the Finance function. It is Citi?s pioneering centre on a global scale where local regulatory reporting professionals work together in a central location, to ensure consistent quality of local regulatory reporting across multiple jurisdictions and legal vehicles. • • The CsC is organized into 5 groups based upon reporting type and function: • • the Credit Risk reporting team covers Basel2/3 Credit Risk monitoring and reporting including Counterparty Credit Risk and Large Exposures • the Market Risk reporting team covers Basel2/3 Market Risk processes including Value at Risk and Standard Model approaches • the Statistical Reporting team covers Central Bank reporting for key monetary statistics, based on which important monetary policy decisions are made • By-desk and Advisory team monitors the desks? capital usage versus the assigned targets and support in Advisory related daily tasks • the Controls and Standardisation team ensures consistency of controls across the above areas • The department?s role encompasses the identification of exposures, calculation of the Regulatory Capital Requirements and production of analysis covering liquidity, credit risk and market risk and statistical reporting for regulated legal vehicles in EMEA. • Members of the CSC always strive to improve processes and strengthen the control environment, while continuing to make Citi a great place to work. • • Key Responsibilities: • • Production & delivery of daily, monthly & quarterly prudential regulatory returns and monitoring reports • Maintenance and further development of controls & reports including reconciliations, static data & variance analysis • Ongoing review and development of current processes to increase efficiency • Liaising with multiple departments of the covered countries including Financial Control, Treasury, Risk Departments to resolve issues • Provide support to country Finance teams on an ad-hoc basis e.g. audits, regulatory inquiries • Check and ensure that procedures and policies are applied to adequately cover rules and regulations • Participate in future process migrations from new countries as appropriate • Support the work of the Financial Reporting Manager by executing further relevant tasks he/she allocates • Development Value: • • Exposure to a broad range of banking products carrying credit risk, including OTC and ETD derivatives, secured financing transactions, securities and loans • Deepen knowledge about financial regulation covering Credit Risk. | Elvárások: Knowledge and Experience: • • 4-6 years of work experience in financial reporting / auditing roles • Prior experience in a regulatory or risk reporting role is an advantage • Knowledge of capital and financial market products and Basel II/III are an advantage • Accounting and/or Financial reporting experience • Advanced MS Excel and Access knowledge • Fluent English knowledge • Knowledge of an additional EMEA language is an advantage • • Skills: • • Strong planning & organisational skills • Excellent analytical skills • Should be creative, proactive and flexible • Has to have excellent ability to pay attention to details and work under pressure • Time management • • Qualifications: • • University / College degree in finance / accounting • • Competencies: • • Highly motivated with advanced analytical & problem solving abilities • Ability to interpret & implement regulatory guidelines & professional standards • Demonstrated ability to complete tasks within tight deadlines • Enthusiastic team player • Professional communication & interpersonal skills | További infó és jelentkezés itt: www.profession.hu/allas/1034226
          DAILY CURRENT AFFAIRS: 25TH JUNE 2017   
DAILY CURRENT AFFAIRS: 25TH JUNE 2017
(DAILY NEWS INDIA)
SHARED BY: WWW.DAILYGK.IN

1. VENKAIAH NAIDU INAUGURATES ‘HOMES FOR ALL’ PROPERTY SHOW IN AHMEDABAD
i. Union Minister for Urban Development, Housing and Poverty Alleviation Venkaiah Naidu inagurated the ‘Homes For All’ property.
ii .The show is organized by Ahmedabad Municipal Corporation and GIHED CREDAI in Ahmedabad.
iii. On the occasion, Mr. Naidu has launched several smart initiatives such as AMC Seva Mobile Application, Janmitra Card -‘One Card Many Services’, Amdavad Airport Shuttle Service, and Intelligent Transit Management System among others.
iv. The Janmitra card enables multimodal transport journey payments like Transit Services Ticketing for AMTS, BRTS, Payments for Municipal Services, Payment for any other retail transaction.


2. DEFENCE MINISTER ARUN JAITLEY’S 3-DAY VISIT TO RUSSIA FROM JUNE 21-23, 2017
i. Defence Minister Arun Jaitley was on an official visit to Russia. The visited was aimed at strengthening bilateral defence and security cooperation between India and Russia.
ii. Mr. Jaitley co-chaired the 1st meeting of the India-Russia High Level Committee on Science and Technology with the Russian Deputy PM Dmitry Rogozin.
iii. Mr. Jaitley co-chaired the 17th meeting of the India-Russia Intergovernmental Commission on Military-Technical Cooperation in Moscow with Russian Defence Minister General Sergei Shoigu.

3. INCUBATION CENTRE FOR BIOTECH START-UPS TO BE SET UP AT CCMB, HYDERABAD
i. An incubation centre for biotechnology start–ups is to be set up at the CSIR-Centre for Cellular and Molecular Biology in Hyderabad, Telangana
ii. It will be supported by the NITI Aayog and will create facilities and bring in stakeholders to ensure the success of innovative ideas.
iii. The Centre has set up the Atal Incubation Centre in the NITI Aayog to promote a culture of innovation and entrepreneurship.
iv. The CCMB is one of the 10 organizations identified to host the ‘Atal Incubation Centre’. Under this, the government will release funds of Rs 10 cr in the coming five years.
v. The incubation centre would engage with all the stakeholders of a biotechnology translational journey and it includes intellectual property agencies, regulators, seed funders, business developers, successful businessmen and research institutions.

4. SALMAN KHAN’S SULTAN WINS BEST ACTION MOVIE AT 20TH SHANGHAI INTERNATIONAL FILM FESTIVAL
i. Superstar Salman Khan’s “Sultan” has won the best action movie award at the Shanghai International Film Festival.
ii. “Sultan” became the 1st ever Bollywood film to win the award in the Jackie Chan Action Movie week section. The movie is directed by Ali Aabbas Zafar, the movie also featured Anushka Sharma.

5. SAHITYA AKADEMI AWARDS FOR VINCY QUADROS AND AMEY NAIK
i. The country’s highest literary body the Sahitya Akademi award has been presented to 2 Konkani literary personalities Vincy Quadros and AmeyNaik from Goa.
ii. Quadros is being awarded Sahitya Akademi’s Bal Sahitya Puraskar for his book ‘Jaduche Petul’ for children in Konkani.
iii .Amey Naik has been selected for Yuva Puraskar 2017 for his Konkani poetry collection ‘Mog Dot Com’. Sahitya Akademi has announced the awards after its executive board meeting held in Guwahati.
iv. Quadros who writes both in Devnagri and Romi scripts, has written eight short story books, seven books on children’s literature, one novel and another book on spiritual matters.

6. VIJAYA BANK BAGS NINE SKOCH AWARDS
i. Vijaya Bank has received Skoch Awards in following 9 categories — Best Bank for NPA Management – Organization Category; Best Bank in Public Sector; Retail Lending; Inclusive Wallet – VPAYQWIK; Digital Inclusion; IT Security; e-Surveillance of ATMs and branches; and 100 Digital Villages – Financial Inclusion.
ii. Vijaya Bank’s Executive Director B. S. Rama Rao received the NPA Management Award (individual category) from Sameer Kochhar, Chairman, Skoch Group at Mumbai.
iii. Skoch Group is a Gurgaon based think tank dealing with socio-economic issues with a focus on inclusive growth since 1997.
iv. Skoch Awards are independent benchmark of best practices in India in the fields of governance, finance, technology, banking, corporate citizenship, economics and inclusive growth.

7. IMRAN KHAWAJA APPOINTED AS ICC DEPUTY CHAIRMAN
i. The International Cricket Council has appointed Imran Khawaja as its deputy chairman.
ii. Imran Khawaja is a Chairman of Associates counties and a veteran administrator from Singapore. He is a senior lawyer and has been serving in the ICC Board for several years. He had also served as a part of influential committees of the ICC.
iii. He was part of a 5 member ICC working team that framed ICC’s new constitution last year. The International Cricket Council, was founded in 1909 as the Imperial Cricket Conference. ICC is responsible for setting professional standards of discipline for international cricket.

OBJECTIVE QUESTIONS BASED ON TODAY’S NEWS

Q1. UNION MINISTER FOR URBAN DEVELOPMENT, HOUSING AND POVERTY ALLEVIATION VENKAIAH NAIDU INAUGURATED THE ‘HOMES FOR ALL’ PROPERTY SHOW IN WHICH CITY?
a)  Jaipur
b)  Lucknow
c)  Bengaluru
d)  Ahmedabad
Q2. FIRST MEETING OF THE INDIA-RUSSIA HIGH LEVEL COMMITTEE ON SCIENCE AND TECHNOLOGY WAS HELD  IN?
a)  Moscow, Russia
b)  Ufa, Russia
c)  Novosibirsk, Russia
d)  New Delhi, India
Q3. AN INCUBATION CENTRE FOR BIOTECHNOLOGY START-UPS IS TO BE SET UP AT THE CSIR-CENTRE FOR CELLULAR AND MOLECULAR BIOLOGY IN?
a)  Nagpur
b)  Hyderabad
c)  Ranchi
d)  Kochi
Q4. WHICH AMONG THE FOLLOWING BANKS HAS RECEIVED SKOCH AWARDSIN 9 DIFFERENT CATEGORIES?
a)  Vijaya Bank
b)  Punjab National Bank
c)  Bank of Baroda
d)  Syndicate Bank
Q5. TWO KONKANI LITERARY PERSONALITIES, ________ AND ______ FROM GOA HAVE BEEN CHOSEN FOR SAHITYA AKADEMI AWARDS?
a)  Vincy Quadros and Amey Naik
b)  Vincy Quadros and Victor Fernandes
c)  Victor Fernandes and Amey Naik
d)  Laurence Gomes and Amey Naik

ANSWERS: 

1 - D    2 - C    3 - B    4 - A    5 - C

          DAILY CURRENT AFFAIRS: 24TH JUNE 2017   
DAILY CURRENT AFFAIRS: 24TH JUNE 2017
(DAILY NEWS INDIA)
SHARED BY: WWW.DAILYGK.INSS

1. INDIA’S BIGGEST MUNICIPAL BONDS PROGRAMME LAUNCHED IN MAHARASHTRA
i. Pune Municipal Corporation launched India’s biggest municipal bonds  programme. The project looks to raise Rs 2,264 cr in five years. Union Urban Development Minister Venkaiah Naidu launched the programme at Bombay Stock Exchange.
ii. In its first tranche, the Pune Municipal Corporation raised Rs.200 cr through the Bombay Stock Exchange’s bond trading platform at a coupon rate of 7.59% for 10 years.
iii. The issue received a good response with bonds being over-subscribed by six times.


2. A COMMEMORATIVE POSTAGE STAMP RELEASED ON COMPLETION OF 50 YEARS OF PASSPORT ACT
i. A commemorative postage stamp has released on completion of 50 years of Passport Act on 23rd of June.
ii. 1967 the President gave assent to the Passports Act 1967 and it marked an important milestone in the history of passport issuance in India.
iii. The Passports Act provided a robust legal framework for the issue of passports and travel documents and regulation of the departure from India of Indian citizens.
iv. It has been decided to set up 235 POPSK in two phases 86 in Phase-I and 149 in Phase-II. 52 POPSK of Phase-I have been operationalized.

3. WORLD BANK, AIIB TO GRANT $380 MILLION TO ANDHRA PRADESH POWER PROJECT
i. The World Bank and Asian Infrastructure Investment Bank have granted $380 million of loan to Andhra Pradesh for Power Project.
ii. It aims towards helping the southern state and will build a reliable, quality and affordable power supply to citizens. AIIB has signed a $140 million loan, which is considered the first such project in India to be co-financed by it.
iii. The World Bank and AIIB will provide loans in a 60:40 ratio for all the components of the  Navratna Company Power Grid Corporation of India has commissioned a record Rs 30 project.
iv. The agreement was signed by the union finance ministry’s joint secretary of economic affairs Raj Kumar and Andhra’s energy department advisor K Ranganathan.

4. COMMERCE AND INDUSTRY MINISTER NIRMALA SITHARAMAN LAUNCHES THE STARTUP INDIA VIRTUAL HUB
i. Nirmala Sitharaman, the Commerce & Industry Minister has launched the Startup India Virtual Hub. It is an online platform for all stakeholders of the entrepreneurial ecosystem in India to discover, connect and engage with each other.
ii. Nirmala Sitharaman has mentioned that Startup India Virtual Hub aims to create a marketplace where all the stakeholders can interact, exchange knowledge, and enable each other to grow.
iii. It is to bring the entire ecosystem together on one platform and it will provide potential startups, helping them access the right resources at the right time.
iv. The portal will host startups, investors, funds, mentors, academia, incubators, accelerators, corporate, Government bodies and more.
v. The Virtual Hub is a dynamic & interactive platform that will facilitate learning & development, networking, mentorship, funding,for startups.

5. AMAZON TIES-UP WITH CLEARTAX TO MAKE E-SELLERS GST READY
i. E-commerce giant Amazon has tied up with ClearTax to help sellers on their platform. It can make a seamless transition to the GST regime and also help them file their tax returns with ease.
ii. ClearTax Biz and Cleartax Biz+ are the two software launched by the ClearTax. It will be available to the sellers free of cost for the 1st two months after sign-up.
iii. After that it will be provided at a 30% discount for sellers registered with Amazon India. The product aims to be a one-stop GST solution for sellers on Amazon’s marketplace.

6. ISRO LAUNCHES EARTH-OBSERVATION CARTOSAT-2E AND 30 NANO SATELLITES
i. Indian Space Research Organisation’s launched Cartosat-2E satellite and 30 nano satellites from Satish Dhawan Space Centre located at Srihrikota in Andhra Pradesh.
ii. 712 kg Cartosat-2E satellite and 30 nano satellites together, weighing about 243 kg were launched using ISRO’s Polar Satellite Launch Vehicle.
iii. Cartosat-2E is a remote sensing satellite and is similar in configuration to earlier satellites in the series. Its objective is to provide high-resolution scene specific spot imagery.

7. WORLD PUBLIC SERVICE DAY:  JUNE 23, 2017
i. World Public Service day is observed on June 23. This day is dedicated by the United Nations to “celebrate the value and virtue of public service to the community”.
ii. The Theme of World Public Service Day 2017 was ‘The Future is Now’.
iii. Since 2003, this day is marked with UN Public Service Awards Ceremony wherein works of public servants are recognized and they are awarded for their contributions in the field.

8. INTERNATIONAL OLYMPIC DAY: JUNE 23, 2017
i. The International Olympic day is celebrated on June 23. This day was introduced in 1948 to commemorate the birth of the modern Olympic Games on 23 June 1894 at the Sorbonne in Paris.
ii. The goal of this day is to promote participation in sport across the globe regardless of age, gender or athletic ability.


OBJECTIVE QUESTIONS BASED ON TODAY’S NEWS

Q1. WHICH AMONG THE FOLLOWING MUNICIPAL CORPORATION LAUNCHED INDIA’S BIGGEST MUNICIPAL BONDS PROGRAMME?
a)  New Delhi Municipal Corporation
b)  Ahmedabad Municipal Corporation
c)  Pune Municipal Corporation
d)  Indore Municipal Corporation
Q2. CENTRAL GOVERNMENT RELEASED A COMMEMORATIVE POSTAGE STAMP ON COMPLETION OF 50 YEARS OF?
a)  The Passports Act, 1967
b)  The Finance Act, 1967
c)  The Voters Card Act, 1967
d)  The Banking Act, 1967
Q3. THE WORLD BANK AND ASIAN INFRASTRUCTURE INVESTMENT BANK HAVE TOGETHER AGREED TO EXTEND THE LOAN TO WHICH INDIAN STATE TOWARDS HELPING IT BUILD A RELIABLE, QUALITY AND AFFORDABLE POWER SUPPLY TO CITIZENS?
a)  Jharkhand
b)  Andhra Pradesh
c)  Kerala
d)  Telangana
Q4. WHO AMONG THE FOLLOWING LAUNCHED THE STARTUP INDIA VIRTUAL HUB AT NEW DELHI?
a)  Finance Minister Arun Jaitley
b)  President Pranab Mukherjee
c)  Vice-President Hamid Ansari
d)  Commerce Minister Nirmala Sitharaman
Q5. WHAT WAS THE THEME OF ‘UN PUBLIC SERVICE DAY’ CELEBRATED?
a)  The Future is Now
b)  Public Service for Inclusive Growth
c)  Public Service as a Career
d)  Public Service and Use of Technology

ANSWERS: 
1 - C    2 - A    3 - B    4 - D    5 - A






          Junior Product Control Analyst - G10 FX team-17039649 munkakörbe keresünk munkatársat. | Felada...   
Junior Product Control Analyst - G10 FX team-17039649 munkakörbe keresünk munkatársat. | Feladatok: Job Purpose: • • The role is part of the Product Control team in Budapest, supporting the EMEA G10 FX Trading business. • • A challenging role within the G10 FX Product Control team, primarily responsible for reporting and analysing the daily P&L. Candidates will work closely with all other areas of the Finance department, liaising with the trading desk, risk management, operations and middle office. • • Job Background: • • Product Control is the largest department in Finance with responsibility for controlling daily profit and loss reporting, price verification and new trading activity for the ICG in EMEA. The department is organised into business-aligned teams and the product scope comprehensive, comprising cash, derivative, as well as structured and exotic variants of the following asset classes; credit, FX, equity, money markets, commodities and rates. • • We work closely across functions on a daily basis including the Trading desks, Risk Management, Operations, and other areas of Finance and develop a good understanding of the products traded, along with the associated market risks and accounting complexities. • • We offer unique opportunity to get to know all the full range of institutional and investment banking products in the working practice of a globally leading multinational financial services conglomerate. • • Our Budapest office is deeply integrated part of the EMEA regional hub, establishing direct contact with the business and finance areas in the regional centre. • • Key Responsibilities: • • Daily production of P&Ls and communication. Includes: review with traders and explanation of P&L movements to management. • Ensure that the firm's risk portfolios are fairly valued • Participation in desk level activities, including preparing the daily product specific business level revenues and commentary. • Interaction with Traders, Middle Office, Risk Management and Accounting Policy • Reconciliation between front and back office systems • Understand the Price Verification process and its impact on the P&L. • Work closely with the Valuation Review Team • Ensure that market-leading standards are achieved through continuous development and maintenance of strong controls • Reviewing new trades, understanding the structure, associated risks and the P&L generated on them. • • Development Value: • • Exposure to banking products • Extend product and technical knowledge. • Develop understanding of core controls and responsibilities.. | Elvárások: Knowledge and Experience: • • Understanding of financial products and investment banking. • Basic accounting knowledge • • Skills: • • Good communication skills, both written and oral. Good interpersonal skills. Ability to work well within a team environment. • Able to ?hit the ground running? with enthusiasm. Has attention to detail and the ability to meet reporting and project deadlines. • A self-starter who proactively seeks to improve existing controls and streamline processes both from a tactical short term viewpoint, and also from a strategic long term perspective, and implement these initiatives to completion. • Strong PC skills in Excel, Word, and Access. • A desire to learn. • • Qualifications: • • University/College degree • • Competencies: • • An interest in investment banking • Theoretical knowledge of financial products • Ability to interpret and analyse financial information • Ability to apply theoretical knowledge in a practical environment • Able to perform effectively within a time pressurised environment. | További infó és jelentkezés itt: www.profession.hu/allas/1034223
          Senior Accountant - Community Health Group - Chula Vista, CA   
Under moderate supervision will support the Finance department by performing various accounting tasks such as: • Assist with online banking activities such as
From Community Health Group - Sun, 11 Jun 2017 08:55:24 GMT - View all Chula Vista, CA jobs
              
Me and my maw scrub up well I guess. Sun was in my eyes as per 🙋‍♂️ #wedding #london #bankinghouse #bank #fancy #posh #amazing #kilt #rafelandrixgethitched
          Premium Banking ügyfélreferens - Mammut fiók munkakörbe keresünk munkatársat. | Feladatok: Felv...   
Premium Banking ügyfélreferens - Mammut fiók munkakörbe keresünk munkatársat. | Feladatok: Felveszed a kapcsolatot a meglévő és potenciális Prémium ügyfélekkel. Hosszútávú, bizalmi kapcsolatokat építesz ki és ápolsz a meglévő és új ügyfelekkel egyaránt. Személyes találkozók során, professzionális tanácsadással és pénzügyi tervezéssel befektetési portfolió kialakítása, finanszírozás, nyugdíjtervezés, biztosítás segíted ügyfeleidet.. | Mit ajánlunk: mert mi számíthatunk egymásra, értékes közösséget alkotunk, • nálunk az emberi kapcsolatok különösen fontosak, legyen szó ügyfelekről vagy munkatársakról, • nyitott, közvetlen légkörben valósíthatod meg önmagad és tisztelettel bánunk egymással, • sikereiddel, szakmai tudásoddal karrieredet folyamatosan fejlesztheted, • belső szakmai tréningekkel és oktatással támogatjuk kollégáinkat, annak érdekében, hogy a legprofesszionálisabb szakmai tudással tudják támogatni ügyfeleiket. | Elvárások: felsőfokú szakirányú közgazdasági/pénzügyi végzettséggel rendelkezel, • releváns szakmai tapasztalattal legalább 3 év rendelkezel befektetési termékek értékesítésében, • hiteles szakmai tudásoddal támogatod az ügyfeleidet céljaik megvalósításában, • visszatérő ügyfeleid elégedettsége visszaigazolja munkád sikerességét, • munkádban vágysz a folyamatos megmérettetésre, és az ahhoz kapcsolódó elismerésre, • felhasználói szintű számítógépes ismereteid vannak Word, Excel, • angol nyelvtudásodat magabiztosan használod a mindennapokban, • határozott, megnyerő fellépés, jó kommunikációs készség,ügyfélorientált értékesítési szemlélet jelemző rád. | További infó és jelentkezés itt: www.profession.hu/allas/1036543
          Junior SAP tanácsadó munkakörbe keresünk munkatársat. | Feladatok: SAP FS Modulok implementác...   
Junior SAP tanácsadó munkakörbe keresünk munkatársat. | Feladatok: SAP FS Modulok implementációja koncepciók, megoldástervek kidolgozása aktuális pénzpiaci szabályozások Basel, IFRS, stb.,SAP-ba történő átültetése rendszerek testreszabása szoftvertesztek,hibaanalízis üzleti folyamatok, rendszerek dokumentációjának készítése. | Mit ajánlunk: részvétel nemzetközi projektekben life-long-learning köré szervezett munkát fiatalos, motivált és barátságos csapatot, szakmai támogatást magas szintű feladatokat és kihívásokat nemzetközi projektekben kultúránkba és szellemiségünkbe történő integrálódás esetén, piaci-átlagon felüli bérezést | Elvárások: egyetemi/főiskolai végzettség informatikai/természettudományi/közgazdasági német nyelv aktív társalgási ideális: tárgyalási szintű ismerete szóban és írásban, angol nyelvtudás előny rendszerszemlélet, az SAP komplex pénzügyi informatikai folyamatok iránti szakmai érdeklődés fokozott utazási hajlandóság külföldre is erősen motivált és ambiciózus személyiség a munkájában, gyors tanulási készség analitikus gondolkodásmód, magas fokú problémamegoldó képesség önálló, precíz munkavégzés, munka iránti igényesség agilitás, flexibilitás csapatszellem, együttműködési készség | További elvárások: banki/vállalati szférában szerzett releváns tapasztalat SAP BW, ABAP, és további programnyelvek pl. Java, SQL ismerete SAP Banking területén szerzett bármilyen irányú tapasztalat SAP FSCM TRM területén szerzett bármilyen irányú tapasztalat modern szoftverfejlesztési módszertanok ismerete | További infó és jelentkezés itt: www.profession.hu/allas/1033515
          Analyst developer KFTM munkakörbe keresünk munkatársat. | Feladatok: Handling product outages •...   
Analyst developer KFTM munkakörbe keresünk munkatársat. | Feladatok: Handling product outages • TCM activities • Incident Management • Change Management • Problem Management. | Elvárások: Degrees in MS of BS • IT skills in details with required levels: Unix, SQL, Autosys, Informatica, Perl 2-3 years • Experience in the execution of certain tasks • Should be good in oral and written communication skills in English | További elvárások: Experience in banking domain | További infó és jelentkezés itt: www.profession.hu/allas/1033313
          Relationship Banking Specialist I, II, III - MB Financial - Bensenville, IL   
Knowledge of Bank products and services and ability to sell products and services to the appropriate customer....
From MB Financial - Thu, 13 Apr 2017 21:49:58 GMT - View all Bensenville, IL jobs
          TD Canada Trust: Get a $300.00 Bonus with a New TD All-Inclusive Banking Plan or TD Unlimited Chequing Account   
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          From What Direction is the Next Recession Coming?    
If you were learning about the causes of post-World War II US recessions 20 years ago, the standard chain of events went like this: As the economy goes into an upswing, wage and price inflation starts to rise. The Federal Reserve recognizes that rising inflation isn't a sign of healthy growth, and raises interest rates. In often-used phrase, it's the job of the Federal Reserve to order that "the punch bowl removed just when the party was really warming up." The higher interest rates dampen inflation, but also lead to recession. The clear implication from this earlier line of thought is that recessions don't die of old age; instead, they are murdered by the Fed. For example, here's eminent economist Rudiger Dornbusch (and co-author of one of the preeminent macroeconomics textbooks of the time) writing back in 1997:
"No postwar recovery has died in bed of old age--the Federal Reserve has murdered every one of them. The typical pattern is that a few years into a recovery, as unemployment drops and the labor and product markets tighten, wage and price inflation picks up, the wage-price spiral gets moving, and soon the Fed steps in to douse wage demands with a good old-fashioned recession. And the whole cycle starts all over again."
But the last few recessions haven't really followed this narrative. Sure, you can see just a little belch of inflation circa 2007, but the Great Recession was at its root a financial crises tracing back to financialization of mortgage securities and a boom-and-bust in housing prices. Similarly, you can see a little burp of inflation back around 2000, but the recession of 2000-2001 was about the end of the dot-com boom, with a drop in the stock market and an accompanying fall in real investment. Even going back to the 1990-91 recession, there is again a small hop in inflation beforehand, that recession was also related to a boom-and-bust in certain regional housing markets and linked to the widespread failures across the saving-and-loan industry.

In short, the old story of recessions caused by fighting back against a rise in inflation seems outdated. Instead, a number of recent recessions seem to be more fundamentally caused by financial crises. A similar point can be made about other recessions around the world: for example, the recessions in the east Asian financial crisis of 1997-98 or the recession across the euro area in 2011-12 were driven by interactions between exchange rates, international capital movements, and the financial sector, not by fighting off inflation.  I found myself mulling over this shift while reading the 87th Annual Report of the Bank of International Statistics (released June 25, 2017).

As the report spends a couple of chapters discussing, the current and near-term prospects for the global economy are the best they have been for at least a decade. For example, the US unemployment rate had fallen to  4.3% in May, and has now been 5% or lower since September 2015. Thus, the report looks to the middle-term risks:
"The Report evaluates four risks – geopolitical ones aside – that could undermine the sustainability of the upswing. First, a significant rise in inflation could choke the expansion by forcing central banks to tighten policy more than expected. This typical postwar scenario moved into focus last year, even in the absence of any evidence of a resurgence of inflation. Second, and less appreciated, serious financial stress could materialise as financial cycles mature if their contraction phase were to turn into a more serious bust. This is what happened most spectacularly with the Great Financial Crisis (GFC). Third, short of serious financial stress, consumption might weaken under the weight of debt, and investment might fail to take over as the main growth engine. There is evidence that consumption-led growth is less durable, not least because it fails to generate sufficient increases in productive capital. Finally, a rise in protectionism could challenge the open global economic order. History shows that trade tensions can sap the global economy’s strength." 
But inflation in the US and other high-income countries has been so quiet for the last 25 years that it has puzzled economists, including Fed Chair Janet Yellen.  The BIS report notes (references to chapters and graphs omitted):

"[A] substantial and lasting flare-up of inflation does not seem likely. The link between economic slack and price inflation has proved rather elusive for quite some time now. To be sure, the corresponding link between labour market slack and wage inflation appears to be more reliable. Even so, there is evidence that its strength has declined over time, consistent with the loss of labour’s “pricing” power captured by labour market indicators. And, in turn, the link between increases in unit labour costs and price inflation has been