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The key to victory for us was the music. We had two great musicologists — Judith Finell and Ingrid Monson — who broke down the songs and showed that there was copying, not just of feeling. Robin Thicke and Pharrell Williams also were not able to keep their story straight. Most people paid attention to Thicke’s inconsistency — he went from saying he told Pharrell to create a song like “Got to Give It Up” to saying he wanted to have that feeling to saying he wanted to evoke the era to not having any conversations at all. They might have had an excuse for Thicke, but what was Pharrell’s explanation for what I believe were inconsistent and irreconcilable statements? click here, click here, click here

Upset that he wasn’t credited more for time spent in custody, his client, an Ottawa thief who lost his left eye to cancer while at the Innes Road jail removed his ocular prosthetic and threw it at the lawyer, who caught it after a single bounce off the counsel desk. click here, click here, click here, blog

Too bad. If Hale caught it in the air one of his players gets to come back in. Maybe I don’t hang around enough one-eyed people: I thought those things were called “glass eyes” for a reason. Do they bounce these days? Are they like SuperBalls now? click here, click here

“That’s the thing about this business, there’s always something new that happens,” said Hale, who joked that it was a “new form of retainer.” Told it was a good catch, he said modestly, “I could see it coming.” click here, click here, click here, read more

Jesse Whitlock, 32, is going back to jail. The lawyer gave the fake eyeball to a police guard for fear his client, who has mental-health issues, would flush it down a toilet in protest. click here, click here, click here, read more

Mexican national Ruben Garcia Villalpando, 31, was fatally shot twice in the chest by Grapevine police officer Robert Clark on Feb. 20 on a Texas 121 service road in Euless after a brief pursuit. click here, click here, click here, read more

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Among the measures adopted by agency members Bolingbrook, Homer Glen, Romeoville, Lemont and Woodridge are a formalized “cash receipting policy,” according to agency documents. click here, click here, click here

Going forward, Woodridge, acting as the agency’s treasurer, will invoice members of the agency for 50 percent of their share of the annual budget in January, followed by the other 50 percent in July. click here, click here

If agency funds fall below 25 percent of the annual budget, the second invoice may be sent out sooner. click here, click here, click here,

lso will prepare an annual financial report and has created a fund to better track all receipts and disbursements, according to agency documents. click here, click here

The audit of the agency, the first in its history, found that it ran deficits at the end of each fiscal year from 2009 to 2014. click here, click here

Dan Berg of Sikich LLP, which conducted the audit, said in December that implementing basic billing procedures and other financial processes would “be relatively easy.” click here, click here

The audit Berg presented to the agency in December was just a few pages long. click here, click here, click here

“Auditors would like to have something to audit,” Berg told the board in December. click here, click here, click here

The following chart, taken from EY’s European Banking Barometer 2015 suggests this will not be a good year for people working in the financial services industry. In almost all cases it will, in fact, be worse than 2014. click here, click here,

Surprisingly, or not, this applies equally to people working in the supposedly ‘hot’ areas of compliance, risk and IT. click here,

The only jobs that look safe this year? Based upon EY’s Barometer, which is in turn based upon interviews with 226 senior bankers, you could try jobs in corporate banking, private banking, and wealth management. You don’t want to be working in a ‘head office function.’ click here,

The agency was formed in reaction to high private water prices and is in the midst of a legal battle that began more than two years ago to seize control of a Lake Michigan water supply system from American Lake Water Co. click here

Salaries for government workers between Grades 7 and 14 were sufficient, the Minister of Finance, Obaid Al Tayer, told the FNC on Tuesday. click here

“There has been a 45 per cent addition in the salaries timetable,” Mr Al Tayer said. click here

“Since 2012, on the basic salary nationals filling these grades enjoy a Dh600 allowance for each newborn child, without a cap on the number of children, and a Dh125 annual bonus.” click here,

Sultan Al Shamsi, a member from Ajman, said that given the high cost of living minimum salaries must be reconsidered. click here, click here

“The overall salary of federal government Grade 10 employees under the married category is Dh7,976 a month,” Mr Al Shamsi said. “Once pension contributions are deducted, the amount is just Dh7,500.” click here, click here, click here

Lower grades earn a minimum of about Dh4,000, he said. click here, click here

“Why won’t the minimum salaries be reconsidered?” Mr Al Shamsi asked. click here, click here

“The lowest retirement salary is Dh10,000. Is it logical that an employee who goes to work every day earns Dh5,000, while one who is sleeping at home receives Dh10,000?” click here

Those in Grades 11 to 14 are employees with a middle-school education. click here, click here

Mr Al Tayer said that changing salaries for those grades would mean amending the entire salary structure, leading to additional costs. click here

Mr Al Shamsi argued that housing allowances, which vary from Dh700 to Dh2,000 for these grades, are “illogical because they are not enough”. click here

He requested that nationals’ allowance be raised to at least Dh3,000, making the overall salary no less than Dh10,000, and pointed out that the Sharjah Government had recently raised the minimum salary to Dh11,000 a month. click here

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French Finance Minister Michel Sapin said it is his responsibility to study ways to generate exceptional receipts as an alternative to the proposed special purpose vehicle to lease military equipment for the services. read more, click here, blog

“The meeting has been scheduled for March 22 where he would be addressing the board members and talk about announcements made in the Budget to perk up growth,” a source said. read more, read more, read more

Jaitley, who presented the Budget on February 28, is likely to inform the RBI board about steps taken to contain fiscal deficit and may underline the need to lower interest rates to promote growth. my site, my site, blog

The meeting comes against the backdrop of RBI on March 4 announcing a 0.25 percentage point rate cut within days of unveiling of the Union Budget. continue, blog, continue, click here

Jaitley is likely to compliment the central bank for the rate cut. This was the second surprise rate cut outside regular policy review in .. blog, read more, click here

The RBI’s decision to cut its policy or repo rate to 7.5 per cent — after another cut from 8 per cent to 7.75 per cent on January 15 — is also expected to lower the cost of capital for companies and give a fillip to the investment climate. read more, click here, click here

Social Finance Inc., the online-lending platform known as SoFi, is planning an initial public offering that would value the company at $3.5 billion, people with knowledge of the matter said, almost triple what it received in a recent funding round., blog, click here

The company may raise $500 million this year, said the people, who asked not to be named because the information is private. The San Francisco-based startup plans to file its prospectus confidentially in the second quarter and proceed in the second half, the people said. That timeline may change depending on market conditions. read more, click here,click here

SoFi would follow online-lending pioneer LendingClub Corp. in tapping public markets. LendingClub was the first marketplace lender to hold an IPO, and now has a valuation of about $7.4 billion. SoFi, with 200 employees, started in 2011 as a peer-to-peer lending company for Stanford University students and graduates — with funds crowd-sourced from the school’s alumni. It has since expanded nationally with offerings including mortgages and personal loans. click here, click here, blog

SoFi is planning to work with Goldman Sachs Group Corp. and Morgan Stanley on the IPO, said the people, though Chief Executive Officer Michael Cagney hasn’t decided which firm will be the lead bank. Goldman Sachs has a history with the company, the people said: it helped SoFi to raise $200 million last month at a valuation of $1.3 billion, from investors including Third Point Ventures and Wellington Management Co.

A representative for SoFi declined to comment, as did a spokesman for Goldman Sachs. A representative for Morgan Stanley wasn’t immediately reachable for comment. blog, read more, click here

Under the Jumpstart Our Business Startups Act, companies with less than $1 billion in revenue can file for an IPO with the U.S. Securities and Exchange Commission privately and work out the details with the SEC outside the public eye., read more, read more, blog

In the year following the collapse of Lehman Brothers in September 2008, the unemployment rate in the US jumped from 6 per cent to 10 per cent. click here, click here

I don’t think we fully comprehend the ramifications of the environmental shift that’s going on in China for our resources-led economy.

It’s taken six years for the US jobless rate to return to those pre-GFC levels, but it’s finally there. click here, click here, click here

In the past year, some 3.3 million new jobs were added to the US economy, with the unemployment rate falling to 5.5 per cent in February. read more

That’s at the top of the range the US Federal Reserve considers to be full employment. read more, read more

It’s not quite a jobs nirvana yet, though.As in Australia, wage growth remains below inflation and the participation rate is below par—suggesting there is still a bit of slack in the labour market. click here, more, read this, click here, read this

There’s no doubt, however, that the US economy has turned a significant corner, with companies feeling confident enough now to expand and employ more staff—which means wages will eventually rise. more, click here, read this

Indeed, WalMart, the world’s largest retailer, has announced it will be spending US$1 billion this year increasing wages of a large proportion of its US workforce. click here So will this latest jobs data trigger US rate risethat markets have been bracing for? click here The reaction of the financial markets on Friday night would suggest the chances of that are now heightened. read this The US dollar surged to an 11 year high against the euro. click here Our currency was crunched down to 77 US cents in the process—before the jobs data came out it had been trading at 78.4 US cents. more, read this Wall Street shed 1.5 per cent because investors tend to leave the risky share market when interest rates are rising for safer havens like bonds and the currency. click here, more The question now is whether the Fed feels the wider economy is ready for higher interest rates. It’s kept them at near zero since December 2008. read this, more

The Fed meets next week, so there will be a lot of focus on the language coming out of that meeting. Odds have already shortened for a rate rise in June. click here

There have been big falls in the euro too. Is thatalso all about the prospect of higher interest rates in the US? click here

Not entirely. It’s also because the eurozone is going in the opposite direction to the United States. It’s aggressively easing monetary policy just as the US moves to start hiking its rates. click here

On Monday European time, the European Central Bank will begin its own massive quantitative easing program. click here

It will start buying private and government bonds at the rate of 60 billion euros a month in its bid to inject some extra growth and inflation into the eurozone economies. click here

That’s triggering sharp moves in currency markets, with the euro sinking to 11-year lows against the US dollar on Friday. click here

It fell through the psychologically important US$1.10 level on Thursday and after the strong US jobs report fell even further to US$1.08—about a 10 per cent decline since the start of the year. read this

The euro has also slid against our weaker dollar. It was buying around 71 euro cents on Monday morning, so perhaps a holiday in Europe this year makes more sense than the US. read this

After rising again last week, European stocks are now nearly 15 per cent higher since the start of the year. US shares, meanwhile, are treading water. continue

This could finally be Europe’s year, so long as it’s able to contain the Greek debt crisis. more

The higher US dollar is also putting further pressure on commodity prices. That’s not good news for Australia, is it? read, blog, read No it isn’t—because commodities are priced in US dollars, demand falls when the greenback rises, which pushes down the price further. click, read

On Friday the price of iron ore, our main export earner, fell to a new low of US$58.20 a tonne. At its peak in September 2011, iron ore was fetching US$181 a tonne—so we’ve seen a decline of 67 per cent. read, click Another factor weighing on the price of iron ore is China’s increased focus on cutting pollution. The Chinese government has threatened to shut down more steel mills this year, which in turn will further dampen demand and prices., readChinese trade data out yesterday underlined the continuing hit to commodities. more click

The value of Australian exports to China dropped by nearly 29 per cent in the first two months of this year, mainly due to the falling price of iron ore and coal. click

A 45 per cent drop in coal imports to China, driven by the slowdown in China as well as its desire to switch to cleaner sources of fuel, is really hurting our Australian coal miners, however. blog, more

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French Finance Minister Michel Sapin said it is his responsibility to study ways to generate exceptional receipts as an alternative to the proposed special purpose vehicle to lease military equipment for the services. blog, continue, my site

Finance Minister Arun Jaitley will address board members of the Reserve Bank here on March 22 to inform them about steps taken in the Budget for 2015-16 to boost economic growth and contain fiscal deficit. blog, click here, click here

Jaitley, who presented the Budget on February 28, is likely to inform the RBI board about steps taken to contain fiscal deficit and may underline the need to lower interest rates to promote growth. click here, continue, blog

The meeting comes against the backdrop of RBI on March 4 announcing a 0.25 percentage point rate cut within days of unveiling of the Union Budget. blog, click here, read more, read more

Jaitley is likely to compliment the central bank for the rate cut. This was the second surprise rate cut outside regular policy review in .. blog, read more, blog

The RBI’s decision to cut its policy or repo rate to 7.5 per cent — after another cut from 8 per cent to 7.75 per cent on January 15 — is also expected to lower the cost of capital for companies and give a fillip to the investment climate. read more, click here, blog

Social Finance Inc., the online-lending platform known as SoFi, is planning an initial public offering that would value the company at $3.5 billion, people with knowledge of the matter said, almost triple what it received in a recent funding round., blog, blog

The company may raise $500 million this year, said the people, who asked not to be named because the information is private. The San Francisco-based startup plans to file its prospectus confidentially in the second quarter and proceed in the second half, the people said. That timeline may change depending on market conditions. blog, click here,click here

SoFi would follow online-lending pioneer LendingClub Corp. in tapping public markets. LendingClub was the first marketplace lender to hold an IPO, and now has a valuation of about $7.4 billion. SoFi, with 200 employees, started in 2011 as a peer-to-peer lending company for Stanford University students and graduates — with funds crowd-sourced from the school’s alumni. It has since expanded nationally with offerings including mortgages and personal loans. click here, blog, click here

SoFi is planning to work with Goldman Sachs Group Corp. and Morgan Stanley on the IPO, said the people, though Chief Executive Officer Michael Cagney hasn’t decided which firm will be the lead bank. Goldman Sachs has a history with the company, the people said: it helped SoFi to raise $200 million last month at a valuation of $1.3 billion, from investors including Third Point Ventures and Wellington Management Co.

A representative for SoFi declined to comment, as did a spokesman for Goldman Sachs. A representative for Morgan Stanley wasn’t immediately reachable for comment. read more, blog, read

Under the Jumpstart Our Business Startups Act, companies with less than $1 billion in revenue can file for an IPO with the U.S. Securities and Exchange Commission privately and work out the details with the SEC outside the public eye., blog, blog, click

In the year following the collapse of Lehman Brothers in September 2008, the unemployment rate in the US jumped from 6 per cent to 10 per cent. click here, click here

I don’t think we fully comprehend the ramifications of the environmental shift that’s going on in China for our resources-led economy.

It’s taken six years for the US jobless rate to return to those pre-GFC levels, but it’s finally there. click here, click here, click here

In the past year, some 3.3 million new jobs were added to the US economy, with the unemployment rate falling to 5.5 per cent in February. read more

That’s at the top of the range the US Federal Reserve considers to be full employment. read more, read more

It’s not quite a jobs nirvana yet, though.As in Australia, wage growth remains below inflation and the participation rate is below par—suggesting there is still a bit of slack in the labour market. click here, continue, continue, click here, click here

There’s no doubt, however, that the US economy has turned a significant corner, with companies feeling confident enough now to expand and employ more staff—which means wages will eventually rise. click here, continue, continue

Indeed, WalMart, the world’s largest retailer, has announced it will be spending US$1 billion this year increasing wages of a large proportion of its US workforce. read this So will this latest jobs data trigger US rate risethat markets have been bracing for? read this The reaction of the financial markets on Friday night would suggest the chances of that are now heightened. read this The US dollar surged to an 11 year high against the euro. more Our currency was crunched down to 77 US cents in the process—before the jobs data came out it had been trading at 78.4 US cents. continue, more Wall Street shed 1.5 per cent because investors tend to leave the risky share market when interest rates are rising for safer havens like bonds and the currency. more, read this The question now is whether the Fed feels the wider economy is ready for higher interest rates. It’s kept them at near zero since December 2008. more, click here

The Fed meets next week, so there will be a lot of focus on the language coming out of that meeting. Odds have already shortened for a rate rise in June. click here

There have been big falls in the euro too. Is thatalso all about the prospect of higher interest rates in the US? read this

Not entirely. It’s also because the eurozone is going in the opposite direction to the United States. It’s aggressively easing monetary policy just as the US moves to start hiking its rates. read this

On Monday European time, the European Central Bank will begin its own massive quantitative easing program. more

It will start buying private and government bonds at the rate of 60 billion euros a month in its bid to inject some extra growth and inflation into the eurozone economies. continue

That’s triggering sharp moves in currency markets, with the euro sinking to 11-year lows against the US dollar on Friday. read this

It fell through the psychologically important US$1.10 level on Thursday and after the strong US jobs report fell even further to US$1.08—about a 10 per cent decline since the start of the year. read this

The euro has also slid against our weaker dollar. It was buying around 71 euro cents on Monday morning, so perhaps a holiday in Europe this year makes more sense than the US. continue

After rising again last week, European stocks are now nearly 15 per cent higher since the start of the year. US shares, meanwhile, are treading water. continue

This could finally be Europe’s year, so long as it’s able to contain the Greek debt crisis. read this

The higher US dollar is also putting further pressure on commodity prices. That’s not good news for Australia, is it? click, click, read No it isn’t—because commodities are priced in US dollars, demand falls when the greenback rises, which pushes down the price further. read, click

On Friday the price of iron ore, our main export earner, fell to a new low of US$58.20 a tonne. At its peak in September 2011, iron ore was fetching US$181 a tonne—so we’ve seen a decline of 67 per cent. click, read Another factor weighing on the price of iron ore is China’s increased focus on cutting pollution. The Chinese government has threatened to shut down more steel mills this year, which in turn will further dampen demand and prices., blogChinese trade data out yesterday underlined the continuing hit to commodities. click click

Iron ore export volumes remained steady, though.That means that for the time being our low cost iron ore producers, BHP Billiton and Rio Tinto, are doing OK. click

A 45 per cent drop in coal imports to China, driven by the slowdown in China as well as its desire to switch to cleaner sources of fuel, is really hurting our Australian coal miners, however. blog, more

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Alexis Tsipras appeared to confirm reports he had ordered Varoufakis to keep a lower profile in an interview with the German magazine Der Spiegel on Saturday. click here, blog, blog

A cartoon in the liberal daily Kathimerini on Wednesday lampooned his omnipresence on TV, with a woman telling her husband to change channel every time Varoufakis popped up on the screen and her husband saying, “But I am!” click, blog, click

Your savings habits are admirable, but you shouldn’t worry too much about “locking up” your money. There are a number of ways to tap retirement funds if you really need the cash. Ideally, you’d leave the money alone to grow tax-deferred until you’re ready to retire, but you’re not required to do so.

Online calculators can help you determine the best Social Security claiming strategy. AARP and T. Rowe Price are among the sites that provide free calculators, but they don’t factor in survivor benefits. Consider spending about $40 for one of the more sophisticated calculators, such as Kotlikoff’s MaximizeMySocialSecurity.com, that can include this read this, more, more

Answer: Unless your cousin lives in one of the few states that have an inheritance tax, she won’t owe taxes on the bequest. click, click, blog

On Friday, Deldin said the county is working on the posting for the $132,000-a-year job. He previously told the board that he hoped officials could interview candidates at the end of March and bring a recommendation from Executive Mark Hackel to the board by the end of April. blog, continue, continue

Deldin said there is about a two-week lag after more data was collected about the county for a brochure to be distributed to candidates. The brochure, he said, would include geographical information about the state’s third-largest county for potential out-of-state candidates. click here, click here, click here Deldin told the board he thought the compensation being offered might have been inadequate. He said human resources did a quick search of finance director salaries of counties in metro Detroit and elsewhere in Michigan, such as Kent County, but it showed Macomb County was “on the high end. We’re not the highest, but we’re on the high end,” he told the board. click here, click here, click here, click here, click here

Firms are seen adding more staff this month and next after signing off on their headcount for 2015, while bankers are “likely to look at new opportunities” after receiving their bonus payments, Astbury Marsden said in an e-mailed statement. Firms in the City financial district created 3,010 jobs last month after an increase of 2,780 in January, it said. click here, click here, click here

Barclays Plc said on March 3, when reporting full-year earnings, that it expects income from the securities unit in the first quarter to be “well ahead” of the previous three months, citing “current trends and a strong banking pipeline.” click here, click here, click here, click here

At Barclays, variable compensation fell by 22 percent in 2014 from a year earlier. A total of 273 employees were paid between 1 million pounds and 2 million pounds in 2014, down from 363 people a year earlier, with more than half of those staff based in the U.S. and a third in the U.K., the bank said. click here, click here, click here, click here

Royal Bank of Scotland Group Plc, the government-owned British lender, cut variable compensation for 2014 by 26 percent after reporting its seventh annual loss. Lloyds Banking Group Plc cut its bonus pool by 3.6 percent from 2013. read more, read more, read more, read more

“City staff who were planning to move jobs but were waiting to hear about their 2014 bonus will undoubtedly look at new opportunities in the spring, especially if they don’t get the reward they think they deserve,” Adeyeri said. read more, read more, read more, read more

Goldman Sachs Group Inc. was sued for sexual discrimination by a research analyst who said the bank and its managers deprived her of a promotion, pay and bonuses. read more, read more, read more

Sonia Pereiro-Mendez, an executive director still employed by the bank, was given permission by a judge in London Friday to pursue some of her claims against the company in relation to a bonus for 2010. Judge Alison Lewzey dismissed other parts of the lawsuit over allegations that managers gave better opportunities to her male colleagues. read more, read more, read more

Pereiro-Mendez, who made $700,000 in 2010 in salary and bonuses, said in the lawsuit that she was excluded from meetings and client dinners and “publicly undermined,” while male colleagues were paid more for similar work and one was promoted to managing director. In 2013, she said, she was seated at a desk previously occupied by an administrative assistant. click here, click here, click here, click here

In court papers responding to the suit, Goldman denied Pereiro-Mendez’s claims. It also said her performance in 2010 was ranked in the lowest 25 percent of employees at the firm and the lowest 10 percent in 2011 and 2013 and didn’t merit the rewards she is seeking. click here, click here, click here, click here

She joined the firm in Frankfurt in 2003 and moved to a position in London in 2005, according to her claim. She was promoted to executive director in 2009 and earned a base salary of 250,000 pounds in 2010 and 2011. That dropped to 192,000 pounds in 2012 and she didn’t receive bonuses in 2011 and 2013. click here, click here, read more

In 2001, I was doing well at my job at Cisco Systems, leading a group that helped companies we’d acquired adjust to life at the networking giant. But this was the beginning of an era of massive layoffs in Silicon Valley and across the U.S., and my employer was no different: I knew my job may be in danger. Yet by the summer of 2002, I was in Singapore, having survived a rough period at the company. I felt relieved and excited to have a new assignment, and a job.

Two years later, I was out—an abrupt end to what I thought would be a lifetime relationship with my employer. click, blog, click here

What happened? I got talked into a bad assignment. With jobs at a premium, a colleague dazzled me with talk about how an international role would round out The person also planted the relocation idea with my manager and urged others to sell me on the opportunity. It seemed like a great idea at the time, but in retrospect, it was clear I hadn’t considered all the angles. Years later, I discovered that my helpful colleague had viewed me as a threat and wanted me out of the way. continue, read this, more, read this

My career has survived despite the setback. I write this not to foment paranoia, but to point out that your colleagues may have an agenda that conflicts with yours. At the same time, even the strongest relationships in one location can erode quickly when you’re several time zones away. Here are a few simple strategies to consider should you find yourself in a similar situation. blog, click, read, more

Question the source. Before making any major career moves based on someone’s advice, don’t assume you know their motives, nor that they have your best interests in mind. Weigh different opinions carefully, especially if they’re coming from someone who may benefit from your decision. read, read, read

Phone home. If you’re going to be far from headquarters, it’s critical that you figure out a way to set up frequent contact. That way you can smooth out any misunderstandings or misperceptions. If you can’t visit the home office (whether because of a hectic schedule or cost), invite your manager to visit. If that’s not an alternative, use conference calls or Skype to stay at the front of your colleagues’ minds. click here, click here, click here

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Alexis Tsipras appeared to confirm reports he had ordered Varoufakis to keep a lower profile in an interview with the German magazine Der Spiegel on Saturday. click here, blog, blog

At a press conference he called in Athens last week he refused to answer questions and was also unusually reticent after a later speech. click, read, blog

Survivor benefits are different from spousal benefits, which inflict some severe penalties for starting checks early. When you start spousal benefits before your own full retirement age, you’re locked into a permanently smaller check and you can’t later switch to your own benefit, even if it’s larger. The only way to preserve the ability to switch is to file a restricted application for just the spousal benefit at your own full retirement age (which is 66 for people born from 1943 to 1954 and gradually increases to age 67 for people born in 1955 and later). Then you preserve the right to change to your own benefit when it maxes out at age 70.

Online calculators can help you determine the best Social Security claiming strategy. AARP and T. Rowe Price are among the sites that provide free calculators, but they don’t factor in survivor benefits. Consider spending about $40 for one of the more sophisticated calculators, such as Kotlikoff’s MaximizeMySocialSecurity.com, that can include this read this, continue, read this

Questions may be sent to Liz Weston, 3940 Laurel Canyon, No. 238, Studio City, CA 91604, or by using the “Contact” form at asklizweston.com. Distributed by No More Red Inc. click, more, more

After being unable to come to an agreement with a final candidate for the job, the county has hired a search firm specializing in executive recruitment in municipal government to develop a posting that officials hope will draw a qualified candidate. continue, blog, click here

Deldin told commissioners that nearly 50 people applied for the position when it was posted in September on the county’s website, through state organizations to which county finance directors belong and at universities. click here, click here, click here He told commissioners that while the county is competitive “finance directors are hard to recruit, especially in an environment where you’re constantly cutting, cutting, cutting.” click here, click here, click here, click here, click here

London’s financial-services companies are set to step up hiring after the number of new jobs jumped 17 percent in February from a year ago, boosted by reviving global equities markets, according to a recruitment firm. click here, click here, click here

Barclays Plc said on March 3, when reporting full-year earnings, that it expects income from the securities unit in the first quarter to be “well ahead” of the previous three months, citing “current trends and a strong banking pipeline.” click here, click here, click here, click here

At Barclays, variable compensation fell by 22 percent in 2014 from a year earlier. A total of 273 employees were paid between 1 million pounds and 2 million pounds in 2014, down from 363 people a year earlier, with more than half of those staff based in the U.S. and a third in the U.K., the bank said. click here, click here, click here, click here

Royal Bank of Scotland Group Plc, the government-owned British lender, cut variable compensation for 2014 by 26 percent after reporting its seventh annual loss. Lloyds Banking Group Plc cut its bonus pool by 3.6 percent from 2013. read more, read more, read more, read more

“City staff who were planning to move jobs but were waiting to hear about their 2014 bonus will undoubtedly look at new opportunities in the spring, especially if they don’t get the reward they think they deserve,” Adeyeri said. read more, read more, read more, read more

Goldman Sachs Group Inc. was sued for sexual discrimination by a research analyst who said the bank and its managers deprived her of a promotion, pay and bonuses. read more, read more, read more

Sonia Pereiro-Mendez, an executive director still employed by the bank, was given permission by a judge in London Friday to pursue some of her claims against the company in relation to a bonus for 2010. Judge Alison Lewzey dismissed other parts of the lawsuit over allegations that managers gave better opportunities to her male colleagues. read more, read more, read more

While some of the allegations predate the birth of her first child, Pereiro-Mendez said some claims related to the period after she took six months of maternity leave in 2012, followed by a month of vacation and two months of sick leave for treatment of a “pre-cancerous condition.” click here, click here, click here, click here

In court papers responding to the suit, Goldman denied Pereiro-Mendez’s claims. It also said her performance in 2010 was ranked in the lowest 25 percent of employees at the firm and the lowest 10 percent in 2011 and 2013 and didn’t merit the rewards she is seeking. click here, click here, click here, click here

She joined the firm in Frankfurt in 2003 and moved to a position in London in 2005, according to her claim. She was promoted to executive director in 2009 and earned a base salary of 250,000 pounds in 2010 and 2011. That dropped to 192,000 pounds in 2012 and she didn’t receive bonuses in 2011 and 2013. blog, read more, blog

In 2001, I was doing well at my job at Cisco Systems, leading a group that helped companies we’d acquired adjust to life at the networking giant. But this was the beginning of an era of massive layoffs in Silicon Valley and across the U.S., and my employer was no different: I knew my job may be in danger. Yet by the summer of 2002, I was in Singapore, having survived a rough period at the company. I felt relieved and excited to have a new assignment, and a job.

Two years later, I was out—an abrupt end to what I thought would be a lifetime relationship with my employer. read, read more, click here

What happened? I got talked into a bad assignment. With jobs at a premium, a colleague dazzled me with talk about how an international role would round out The person also planted the relocation idea with my manager and urged others to sell me on the opportunity. It seemed like a great idea at the time, but in retrospect, it was clear I hadn’t considered all the angles. Years later, I discovered that my helpful colleague had viewed me as a threat and wanted me out of the way. click here, click here, more, continue

Not long after settling into my new job, headquarters seemed to challenge most of my decisions. I wasn’t aware I had my own personal saboteur back in the U.S. who was busy planting seeds of doubt with my boss and others about my effectiveness. more, more, blog, read

Question the source. Before making any major career moves based on someone’s advice, don’t assume you know their motives, nor that they have your best interests in mind. Weigh different opinions carefully, especially if they’re coming from someone who may benefit from your decision. continue, click here, read

Expand your bench. When gathering information to make a decision on something as major as a relocation or new job, get advice from a variety of reliable sources. Mostly, determine whether the job fits your career path. Talk to your manager, human resources—essentially anyone with valuable perspective. Think about where you want your career to be two or three jobs after this one. Will the new position get you there? click here, click here, click here

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“Yanis, don’t overdo it,” the paper said. “Because the economy isn’t only about the science of handling the budget. It’s about being frugal with words too.” blog, read more, click here

As Greece headed into a meeting with Eurogroup finance ministers on Monday, where it will argue to be allowed to raise more cash, the normally voluble Varoufakis has become uncharacteristically careful, also stepping back from social media in recent days. His last tweet on March 1 was “dedicated to muck-racking journalists”. click, click here, blog

One way to save for retirement with plenty of flexibility is to fund a Roth IRA each year. You don’t get a tax deduction upfront, but you can withdraw your contributions at any time without penalty. If you don’t tap the money until you’re 59 1/2 or older, your contributions and your earnings are tax free if you’ve had the account at least five years. Another advantage of a Roth is that you’re not required to start distributions after age 701/2, as you are with other retirement accounts.

With survivor benefits, starting early means a reduced check – your widower benefit at 60 would be 30% smaller than if you waited until your full retirement age – but you can switch to your own benefit later. And if you don’t work, starting survivor benefits at 60 is the better course, said economist Laurence Kotlikoff, coauthor of “Getting What’s Yours: The Secrets to Maxing Out Social Security.” read this, read this, click here

Answer: Unless your cousin lives in one of the few states that have an inheritance tax, she won’t owe taxes on the bequest. click, click, read

Pete Provenzano stepped down as county finance director in August to become vice chancellor of administrative services at Oakland Community College. blog, blog, continue

There were about eight people with experience in the government sector. Of those, three candidates were interviewed. A finalist was selected and the county made an offer, Deldin told the board, but the two parties could not reach an agreement. click here, click here, click here Deldin told the board he thought the compensation being offered might have been inadequate. He said human resources did a quick search of finance director salaries of counties in metro Detroit and elsewhere in Michigan, such as Kent County, but it showed Macomb County was “on the high end. We’re not the highest, but we’re on the high end,” he told the board. click here, click here, click here, click here, click here

London’s financial-services companies are set to step up hiring after the number of new jobs jumped 17 percent in February from a year ago, boosted by reviving global equities markets, according to a recruitment firm. click here, click here, click here

Barclays Plc said on March 3, when reporting full-year earnings, that it expects income from the securities unit in the first quarter to be “well ahead” of the previous three months, citing “current trends and a strong banking pipeline.” click here, click here, click here, click here

At Barclays, variable compensation fell by 22 percent in 2014 from a year earlier. A total of 273 employees were paid between 1 million pounds and 2 million pounds in 2014, down from 363 people a year earlier, with more than half of those staff based in the U.S. and a third in the U.K., the bank said. click here, click here, click here, click here

Royal Bank of Scotland Group Plc, the government-owned British lender, cut variable compensation for 2014 by 26 percent after reporting its seventh annual loss. Lloyds Banking Group Plc cut its bonus pool by 3.6 percent from 2013. read more, read more, read more, read more

“City staff who were planning to move jobs but were waiting to hear about their 2014 bonus will undoubtedly look at new opportunities in the spring, especially if they don’t get the reward they think they deserve,” Adeyeri said. read more, read more, read more, read more

Goldman Sachs Group Inc. was sued for sexual discrimination by a research analyst who said the bank and its managers deprived her of a promotion, pay and bonuses. read more, read more, read more

Sonia Pereiro-Mendez, an executive director still employed by the bank, was given permission by a judge in London Friday to pursue some of her claims against the company in relation to a bonus for 2010. Judge Alison Lewzey dismissed other parts of the lawsuit over allegations that managers gave better opportunities to her male colleagues. read more, read more, read more

While some of the allegations predate the birth of her first child, Pereiro-Mendez said some claims related to the period after she took six months of maternity leave in 2012, followed by a month of vacation and two months of sick leave for treatment of a “pre-cancerous condition.” click here, click here, click here, click here

A spokesman for Goldman, Sebastian Howell, declined to comment on the London case. A lawyer for Pereiro-Mendez said she declined to comment on the case.

Pereiro-Mendez has been on sick leave since January 2014 and filed a grievance in April after an executive at the firm told her that managers “want to get rid of you,” according to the lawsuit. click here, click here, click here, click here

She joined the firm in Frankfurt in 2003 and moved to a position in London in 2005, according to her claim. She was promoted to executive director in 2009 and earned a base salary of 250,000 pounds in 2010 and 2011. That dropped to 192,000 pounds in 2012 and she didn’t receive bonuses in 2011 and 2013. read more, blog, read more

In 2001, I was doing well at my job at Cisco Systems, leading a group that helped companies we’d acquired adjust to life at the networking giant. But this was the beginning of an era of massive layoffs in Silicon Valley and across the U.S., and my employer was no different: I knew my job may be in danger. Yet by the summer of 2002, I was in Singapore, having survived a rough period at the company. I felt relieved and excited to have a new assignment, and a job.

Two years later, I was out—an abrupt end to what I thought would be a lifetime relationship with my employer. read, click, click here

What happened? I got talked into a bad assignment. With jobs at a premium, a colleague dazzled me with talk about how an international role would round out The person also planted the relocation idea with my manager and urged others to sell me on the opportunity. It seemed like a great idea at the time, but in retrospect, it was clear I hadn’t considered all the angles. Years later, I discovered that my helpful colleague had viewed me as a threat and wanted me out of the way. click here, continue, click here, more

Not long after settling into my new job, headquarters seemed to challenge most of my decisions. I wasn’t aware I had my own personal saboteur back in the U.S. who was busy planting seeds of doubt with my boss and others about my effectiveness. click, blog, more, more

Question the source. Before making any major career moves based on someone’s advice, don’t assume you know their motives, nor that they have your best interests in mind. Weigh different opinions carefully, especially if they’re coming from someone who may benefit from your decision. continue, read, continue

Expand your bench. When gathering information to make a decision on something as major as a relocation or new job, get advice from a variety of reliable sources. Mostly, determine whether the job fits your career path. Talk to your manager, human resources—essentially anyone with valuable perspective. Think about where you want your career to be two or three jobs after this one. Will the new position get you there? click here, click here, click here

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“Yanis, don’t overdo it,” the paper said. “Because the economy isn’t only about the science of handling the budget. It’s about being frugal with words too.” read more, click here, click here

A cartoon in the liberal daily Kathimerini on Wednesday lampooned his omnipresence on TV, with a woman telling her husband to change channel every time Varoufakis popped up on the screen and her husband saying, “But I am!” click, click, read more

Your savings habits are admirable, but you shouldn’t worry too much about “locking up” your money. There are a number of ways to tap retirement funds if you really need the cash. Ideally, you’d leave the money alone to grow tax-deferred until you’re ready to retire, but you’re not required to do so.

If you work, however, the math becomes less clear. When you start benefits early, your check is reduced $1 for every $2 you earn over a certain limit, which in 2015 is $15,720. That penalty disappears once you hit your full retirement age. more, click here, continue

Questions may be sent to Liz Weston, 3940 Laurel Canyon, No. 238, Studio City, CA 91604, or by using the “Contact” form at asklizweston.com. Distributed by No More Red Inc. more, click, more

Pete Provenzano stepped down as county finance director in August to become vice chancellor of administrative services at Oakland Community College. read, continue, blog

Deldin said there is about a two-week lag after more data was collected about the county for a brochure to be distributed to candidates. The brochure, he said, would include geographical information about the state’s third-largest county for potential out-of-state candidates. click here, click here, click here Deldin said Friday that he didn’t know what the sticking point was for the finalist, but it could have been a combination of salary, benefits and a different retirement plan. click here, click here, click here, click here, click here

Firms are seen adding more staff this month and next after signing off on their headcount for 2015, while bankers are “likely to look at new opportunities” after receiving their bonus payments, Astbury Marsden said in an e-mailed statement. Firms in the City financial district created 3,010 jobs last month after an increase of 2,780 in January, it said. click here, click here, click here

Barclays Plc said on March 3, when reporting full-year earnings, that it expects income from the securities unit in the first quarter to be “well ahead” of the previous three months, citing “current trends and a strong banking pipeline.” click here, click here, click here, click here

At Barclays, variable compensation fell by 22 percent in 2014 from a year earlier. A total of 273 employees were paid between 1 million pounds and 2 million pounds in 2014, down from 363 people a year earlier, with more than half of those staff based in the U.S. and a third in the U.K., the bank said. click here, click here, click here, click here

Royal Bank of Scotland Group Plc, the government-owned British lender, cut variable compensation for 2014 by 26 percent after reporting its seventh annual loss. Lloyds Banking Group Plc cut its bonus pool by 3.6 percent from 2013. read more, read more, read more, read more

“City staff who were planning to move jobs but were waiting to hear about their 2014 bonus will undoubtedly look at new opportunities in the spring, especially if they don’t get the reward they think they deserve,” Adeyeri said. read more, read more, read more, read more

Goldman Sachs Group Inc. was sued for sexual discrimination by a research analyst who said the bank and its managers deprived her of a promotion, pay and bonuses. read more, read more, read more

Sonia Pereiro-Mendez, an executive director still employed by the bank, was given permission by a judge in London Friday to pursue some of her claims against the company in relation to a bonus for 2010. Judge Alison Lewzey dismissed other parts of the lawsuit over allegations that managers gave better opportunities to her male colleagues. read more, read more, read more

Pereiro-Mendez, who made $700,000 in 2010 in salary and bonuses, said in the lawsuit that she was excluded from meetings and client dinners and “publicly undermined,” while male colleagues were paid more for similar work and one was promoted to managing director. In 2013, she said, she was seated at a desk previously occupied by an administrative assistant. click here, click here, click here, click here

A spokesman for Goldman, Sebastian Howell, declined to comment on the London case. A lawyer for Pereiro-Mendez said she declined to comment on the case.

Pereiro-Mendez has been on sick leave since January 2014 and filed a grievance in April after an executive at the firm told her that managers “want to get rid of you,” according to the lawsuit. click here, click here, click here, click here

She joined the firm in Frankfurt in 2003 and moved to a position in London in 2005, according to her claim. She was promoted to executive director in 2009 and earned a base salary of 250,000 pounds in 2010 and 2011. That dropped to 192,000 pounds in 2012 and she didn’t receive bonuses in 2011 and 2013. blog, blog, read more

In 2001, I was doing well at my job at Cisco Systems, leading a group that helped companies we’d acquired adjust to life at the networking giant. But this was the beginning of an era of massive layoffs in Silicon Valley and across the U.S., and my employer was no different: I knew my job may be in danger. Yet by the summer of 2002, I was in Singapore, having survived a rough period at the company. I felt relieved and excited to have a new assignment, and a job.

Two years later, I was out—an abrupt end to what I thought would be a lifetime relationship with my employer. read, click, blog

What happened? I got talked into a bad assignment. With jobs at a premium, a colleague dazzled me with talk about how an international role would “round out” my resume. The person also planted the relocation idea with my manager and urged others to sell me on the opportunity. It seemed like a great idea at the time, but in retrospect, it was clear I hadn’t considered all the angles. Years later, I discovered that my helpful colleague had viewed me as a threat and wanted me out of the way. click here, more, click here, more

Not long after settling into my new job, headquarters seemed to challenge most of my decisions. I wasn’t aware I had my own personal saboteur back in the U.S. who was busy planting seeds of doubt with my boss and others about my effectiveness. read, more, click, blog

Question the source. Before making any major career moves based on someone’s advice, don’t assume you know their motives, nor that they have your best interests in mind. Weigh different opinions carefully, especially if they’re coming from someone who may benefit from your decision. blog, read, blog

Expand your bench. When gathering information to make a decision on something as major as a relocation or new job, get advice from a variety of reliable sources. Mostly, determine whether the job fits your career path. Talk to your manager, human resources—essentially anyone with valuable perspective. Think about where you want your career to be two or three jobs after this one. Will the new position get you there? click here, click here, click here

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Avgi warned that Varoufakis was “going to spend all the profits” of the support he had garnered for Greece since his unexpected elevation to international economics rock star. read more, blog, read more

A cartoon in the liberal daily Kathimerini on Wednesday lampooned his omnipresence on TV, with a woman telling her husband to change channel every time Varoufakis popped up on the screen and her husband saying, “But I am!” read, blog, blog

One way to save for retirement with plenty of flexibility is to fund a Roth IRA each year. You don’t get a tax deduction upfront, but you can withdraw your contributions at any time without penalty. If you don’t tap the money until you’re 59 1/2 or older, your contributions and your earnings are tax free if you’ve had the account at least five years. Another advantage of a Roth is that you’re not required to start distributions after age 701/2, as you are with other retirement accounts.

“Getting a reduced benefit for 10 years, from 60 to 70, is better than getting an unreduced benefit for fewer years,” Kotlikoff said. read this, more, click here

Answer: Unless your cousin lives in one of the few states that have an inheritance tax, she won’t owe taxes on the bequest. click, blog, click

“The finance department is our lifeline to get anything done and we’re looking for the right person,” Deputy County Executive Mark Deldin told county commissioners during an update on the search last month. continue, continue, read

Deldin told commissioners that nearly 50 people applied for the position when it was posted in September on the county’s website, through state organizations to which county finance directors belong and at universities. click here, click here, click here He told commissioners that while the county is competitive “finance directors are hard to recruit, especially in an environment where you’re constantly cutting, cutting, cutting.” click here, click here, click here, click here, click here

London’s financial-services companies are set to step up hiring after the number of new jobs jumped 17 percent in February from a year ago, boosted by reviving global equities markets, according to a recruitment firm. click here, click here, click here

A strong global equities market and positive economic noises emanating from the U.S. and the euro zone contributed to increased hiring activity in February,” Christopher Adeyeri, associate director at Astbury Marsden, said in the statement. “City hiring activity tends to slow through January and February as firms finalize their recruitment plans for 2015.” click here, click here, click here, click here

At Barclays, variable compensation fell by 22 percent in 2014 from a year earlier. A total of 273 employees were paid between 1 million pounds and 2 million pounds in 2014, down from 363 people a year earlier, with more than half of those staff based in the U.S. and a third in the U.K., the bank said. click here, click here, click here, click here

Royal Bank of Scotland Group Plc, the government-owned British lender, cut variable compensation for 2014 by 26 percent after reporting its seventh annual loss. Lloyds Banking Group Plc cut its bonus pool by 3.6 percent from 2013. read more, read more, read more, read more

“City staff who were planning to move jobs but were waiting to hear about their 2014 bonus will undoubtedly look at new opportunities in the spring, especially if they don’t get the reward they think they deserve,” Adeyeri said. read more, read more, read more, read more

Goldman Sachs Group Inc. was sued for sexual discrimination by a research analyst who said the bank and its managers deprived her of a promotion, pay and bonuses. read more, read more, read more

Sonia Pereiro-Mendez, an executive director still employed by the bank, was given permission by a judge in London Friday to pursue some of her claims against the company in relation to a bonus for 2010. Judge Alison Lewzey dismissed other parts of the lawsuit over allegations that managers gave better opportunities to her male colleagues. read more, read more, read more

While some of the allegations predate the birth of her first child, Pereiro-Mendez said some claims related to the period after she took six months of maternity leave in 2012, followed by a month of vacation and two months of sick leave for treatment of a “pre-cancerous condition.” click here, click here, click here, click here

In court papers responding to the suit, Goldman denied Pereiro-Mendez’s claims. It also said her performance in 2010 was ranked in the lowest 25 percent of employees at the firm and the lowest 10 percent in 2011 and 2013 and didn’t merit the rewards she is seeking. click here, click here, click here, click here

She joined the firm in Frankfurt in 2003 and moved to a position in London in 2005, according to her claim. She was promoted to executive director in 2009 and earned a base salary of 250,000 pounds in 2010 and 2011. That dropped to 192,000 pounds in 2012 and she didn’t receive bonuses in 2011 and 2013. click here, blog, click here

In 2001, I was doing well at my job at Cisco Systems, leading a group that helped companies we’d acquired adjust to life at the networking giant. But this was the beginning of an era of massive layoffs in Silicon Valley and across the U.S., and my employer was no different: I knew my job may be in danger. Yet by the summer of 2002, I was in Singapore, having survived a rough period at the company. I felt relieved and excited to have a new assignment, and a job.

Two years later, I was out—an abrupt end to what I thought would be a lifetime relationship with my employer. read, read, blog

What happened? I got talked into a bad assignment. With jobs at a premium, a colleague dazzled me with talk about how an international role would “round out” my resume. The person also planted the relocation idea with my manager and urged others to sell me on the opportunity. It seemed like a great idea at the time, but in retrospect, it was clear I hadn’t considered all the angles. Years later, I discovered that my helpful colleague had viewed me as a threat and wanted me out of the way. continue, continue, more, more

My career has survived despite the setback. I write this not to foment paranoia, but to point out that your colleagues may have an agenda that conflicts with yours. At the same time, even the strongest relationships in one location can erode quickly when you’re several time zones away. Here are a few simple strategies to consider should you find yourself in a similar situation. click, read, blog, click

Question the source. Before making any major career moves based on someone’s advice, don’t assume you know their motives, nor that they have your best interests in mind. Weigh different opinions carefully, especially if they’re coming from someone who may benefit from your decision. click here, blog, click here

Phone home. If you’re going to be far from headquarters, it’s critical that you figure out a way to set up frequent contact. That way you can smooth out any misunderstandings or misperceptions. If you can’t visit the home office (whether because of a hectic schedule or cost), invite your manager to visit. If that’s not an alternative, use conference calls or Skype to stay at the front of your colleagues’ minds. click here, click here, click here

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The Greek finance minister Yanis Varoufakis – who has become a media phenomenon since Greece’s radical government came to power – has been warned by his own prime minister to talk less and do more. click here, read more, click here

At a press conference he called in Athens last week he refused to answer questions and was also unusually reticent after a later speech. click, blog, read more

Dear Liz: I earned more than my wife, who died at age 57 after 18 years of marriage. When I turn 60, can I take survivor Social Security benefits based on her work record and then request my benefit at age 70?

With survivor benefits, starting early means a reduced check – your widower benefit at 60 would be 30% smaller than if you waited until your full retirement age – but you can switch to your own benefit later. And if you don’t work, starting survivor benefits at 60 is the better course, said economist Laurence Kotlikoff, coauthor of “Getting What’s Yours: The Secrets to Maxing Out Social Security.” continue, more, click here

If she lives in Iowa, Kentucky, Maryland, Nebraska, New Jersey or Pennsylvania, she could owe a maximum of 16% of the money to her state. Typically the rate depends on the relationship between the deceased and the heir, with close relatives paying less than more distant relatives and friends (or employees). click, more, blog

Assistant Finance Director Stephen Smigiel has served as interim director since Sept. 1, guiding the county through some of the busiest and possibly most important financial times in its history – deciding to take out more than $300 million in bonds for retiree health care and renovations to its downtown Mt. Clemens campus. blog, read, click here

Deldin told commissioners that nearly 50 people applied for the position when it was posted in September on the county’s website, through state organizations to which county finance directors belong and at universities. click here, click here, click here Deldin said Friday that he didn’t know what the sticking point was for the finalist, but it could have been a combination of salary, benefits and a different retirement plan. click here, click here, click here, click here, click here

Firms are seen adding more staff this month and next after signing off on their headcount for 2015, while bankers are “likely to look at new opportunities” after receiving their bonus payments, Astbury Marsden said in an e-mailed statement. Firms in the City financial district created 3,010 jobs last month after an increase of 2,780 in January, it said. click here, click here, click here

A strong global equities market and positive economic noises emanating from the U.S. and the euro zone contributed to increased hiring activity in February,” Christopher Adeyeri, associate director at Astbury Marsden, said in the statement. “City hiring activity tends to slow through January and February as firms finalize their recruitment plans for 2015.” click here, click here, click here, click here

At Barclays, variable compensation fell by 22 percent in 2014 from a year earlier. A total of 273 employees were paid between 1 million pounds and 2 million pounds in 2014, down from 363 people a year earlier, with more than half of those staff based in the U.S. and a third in the U.K., the bank said. click here, click here, click here, click here

Royal Bank of Scotland Group Plc, the government-owned British lender, cut variable compensation for 2014 by 26 percent after reporting its seventh annual loss. Lloyds Banking Group Plc cut its bonus pool by 3.6 percent from 2013. read more, read more, read more, read more

“City staff who were planning to move jobs but were waiting to hear about their 2014 bonus will undoubtedly look at new opportunities in the spring, especially if they don’t get the reward they think they deserve,” Adeyeri said. read more, read more, read more, read more

Goldman Sachs Group Inc. was sued for sexual discrimination by a research analyst who said the bank and its managers deprived her of a promotion, pay and bonuses. read more, read more, read more

Sonia Pereiro-Mendez, an executive director still employed by the bank, was given permission by a judge in London Friday to pursue some of her claims against the company in relation to a bonus for 2010. Judge Alison Lewzey dismissed other parts of the lawsuit over allegations that managers gave better opportunities to her male colleagues. read more, read more, read more

Pereiro-Mendez, who made $700,000 in 2010 in salary and bonuses, said in the lawsuit that she was excluded from meetings and client dinners and “publicly undermined,” while male colleagues were paid more for similar work and one was promoted to managing director. In 2013, she said, she was seated at a desk previously occupied by an administrative assistant. click here, click here, click here, click here

A spokesman for Goldman, Sebastian Howell, declined to comment on the London case. A lawyer for Pereiro-Mendez said she declined to comment on the case.

Pereiro-Mendez has been on sick leave since January 2014 and filed a grievance in April after an executive at the firm told her that managers “want to get rid of you,” according to the lawsuit. click here, click here, click here, click here

She joined the firm in Frankfurt in 2003 and moved to a position in London in 2005, according to her claim. She was promoted to executive director in 2009 and earned a base salary of 250,000 pounds in 2010 and 2011. That dropped to 192,000 pounds in 2012 and she didn’t receive bonuses in 2011 and 2013. read more, blog, blog

In 2001, I was doing well at my job at Cisco Systems, leading a group that helped companies we’d acquired adjust to life at the networking giant. But this was the beginning of an era of massive layoffs in Silicon Valley and across the U.S., and my employer was no different: I knew my job may be in danger. Yet by the summer of 2002, I was in Singapore, having survived a rough period at the company. I felt relieved and excited to have a new assignment, and a job.

Two years later, I was out—an abrupt end to what I thought would be a lifetime relationship with my employer. click here, blog, click here

What happened? I got talked into a bad assignment. With jobs at a premium, a colleague dazzled me with talk about how an international role would “round out” my resume. The person also planted the relocation idea with my manager and urged others to sell me on the opportunity. It seemed like a great idea at the time, but in retrospect, it was clear I hadn’t considered all the angles. Years later, I discovered that my helpful colleague had viewed me as a threat and wanted me out of the way. read this, more, continue, click here

My career has survived despite the setback. I write this not to foment paranoia, but to point out that your colleagues may have an agenda that conflicts with yours. At the same time, even the strongest relationships in one location can erode quickly when you’re several time zones away. Here are a few simple strategies to consider should you find yourself in a similar situation. read, more, blog, more

Question the source. Before making any major career moves based on someone’s advice, don’t assume you know their motives, nor that they have your best interests in mind. Weigh different opinions carefully, especially if they’re coming from someone who may benefit from your decision. click here, continue, continue

Expand your bench. When gathering information to make a decision on something as major as a relocation or new job, get advice from a variety of reliable sources. Mostly, determine whether the job fits your career path. Talk to your manager, human resources—essentially anyone with valuable perspective. Think about where you want your career to be two or three jobs after this one. Will the new position get you there? click here, click here, click here

Blog News

“[It was either] the money I worked so hard for, I worked so hard to save or my health. And you know, some people can’t make that decision and at least I could, and I chose health. I chose to have the surgery done,” he said. click here

Harris’ doctor allowed him to pay directly for the medical service he needed, which is an approach known as “boutique medicine.” In some cases, it cuts the insurance company out of the medical equation. click here

School districts and local governments would need to turn to private insurers or start their own fund if the Legislature adopts a provision in Gov. Scott Walker’s budget that does away with a state-managed property insurance program. click here, click here

The fund, which covers $52 billion in property and is supported by more than $27 million in premiums annually, covers everything from street sweepers to salt sheds to dogs and horses for more than 970 municipalities and school districts across the state. Shutting it down would send many units of government to the private insurance market and almost certainly lead to higher costs, said city of Madison risk manager Eric Veum. click here, click here

The proposal orders a halt to the Local Government Property Insurance Fund, which insures property owned by schools, counties, cities and other entities. The program is managed by the state Office of the Commissioner of Insurance. Walker’s budget specifies that “no insurance coverage may be issued” under the program after July 1 and no existing coverage may be renewed after Dec. 15, though those dates may change. click here, click here

That was followed, however, by a year of record claims of more than $43.4 million, and a subsequent precipitous drop in the surplus. click here

Supporters of the approach said it gives patients more choices in their care and allows for more time with doctors. click here

But some worry too many physicians will turn to this type of practice, which will add to the doctor shortage, and it can be expensive depending on the service. click here, click here

The OCI has one staff member assigned to manage the fund and contracts with the ASU Group in Madison as policy administrator, and Crawford and Company in Brookfield is the claim administrator. Starting March 1, ASU will take over both services.

click here,

click here

The league — with its membership of 190 cities and 386 villages — is considering insurance alternatives that include contracting with a commercial property insurance carrier, adding property coverage to what it already offers in liability and workers’ compensation insurance, or replicating the existing fund. It would prefer to go through OCI.

click here,

click here

Blog News

“[It was either] the money I worked so hard for, I worked so hard to save or my health. And you know, some people can’t make that decision and at least I could, and I chose health. I chose to have the surgery done,” he said. click here

Harris’ doctor allowed him to pay directly for the medical service he needed, which is an approach known as “boutique medicine.” In some cases, it cuts the insurance company out of the medical equation. click here

School districts and local governments would need to turn to private insurers or start their own fund if the Legislature adopts a provision in Gov. Scott Walker’s budget that does away with a state-managed property insurance program. click here, click here

The fund, which covers $52 billion in property and is supported by more than $27 million in premiums annually, covers everything from street sweepers to salt sheds to dogs and horses for more than 970 municipalities and school districts across the state. Shutting it down would send many units of government to the private insurance market and almost certainly lead to higher costs, said city of Madison risk manager Eric Veum. click here, click here

The proposal orders a halt to the Local Government Property Insurance Fund, which insures property owned by schools, counties, cities and other entities. The program is managed by the state Office of the Commissioner of Insurance. Walker’s budget specifies that “no insurance coverage may be issued” under the program after July 1 and no existing coverage may be renewed after Dec. 15, though those dates may change. click here, click here

That was followed, however, by a year of record claims of more than $43.4 million, and a subsequent precipitous drop in the surplus. click here

Supporters of the approach said it gives patients more choices in their care and allows for more time with doctors. click here

“For lack of a better term, it has a certain snob appeal that I can go to the doctor who I want, not who the insurance company tells me I have to go to,” said Scott Blumenthal, an orthopedic surgeon at the Texas Back Institute. click here, click here

The OCI has one staff member assigned to manage the fund and contracts with the ASU Group in Madison as policy administrator, and Crawford and Company in Brookfield is the claim administrator. Starting March 1, ASU will take over both services.

click here,

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The league — with its membership of 190 cities and 386 villages — is considering insurance alternatives that include contracting with a commercial property insurance carrier, adding property coverage to what it already offers in liability and workers’ compensation insurance, or replicating the existing fund. It would prefer to go through OCI.

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Insurance

The draft is being circulated by Senator Orrin Hatch of Utah, chairman of the Senate Finance Committee; Representative Fred Upton of Michigan, chairman of the House Energy and Commerce Committee; and Representative Joe Pitts of Pennsylvania, chairman of the health subcommittee. It threatens to undermine the progress made in reducing the number of uninsured children, gains that came from enrolling more children in Medicaid and in CHIP, which covers children whose families earn too much to qualify for Medicaid insurance, insurance, insurance, loans, loans

“I can’t live in my house,” O’Brien said. “The Town of Hempstead put up a big sign on it saying it was unfit for human occupancy…It’s got extensive damage” finance

O’Brien said when she tried to collect the insurance money she was denied for owning a pit bull. finance

“It really is a nightmare,” O’Brien said. “I would have never have imagined an insurance company would not pay because of a dog.” finance

She is suing Adirondack Insurance and her insurance broker, Sidakas Insurance Agency, because she believes Sidakas forged her signature on documents that said she did not own any pets. finance

“I never saw the document, I most absolutely never signed it,”O’Brien said. “I trusted Sidakas Agency. I’m not sure who did that at the agency or why they would have done it.” finance

Adirondack had no comment and a call to Sidakas was not returned. finance

O’Brien and her three children are living with friends as she continues to pay the mortgage on her home. finance

The Republican proposal would eliminate the Affordable Care Act’s requirement that states keep the family-income eligibility levels stable until 2019, and it could make it harder for families to prove their eligibility. Faced with a loss of federal funds for CHIP, as suggested in the Republican proposal, many states would probably shrink their CHIP programs and reduce their own financial contributions. insurance, insurance, insurance

And the proposal would allow states to impose a 12-month waiting period (up from the current 90 days) before children who lose coverage from a parent’s insurance plan can be enrolled in CHIP. That is a very long time for a youngster to go without insurance and the regular care it provides. Many families in that situation will not be able to afford coverage on the new health care exchanges. insurance, insurance, insurance

By contrast, bills introduced in the House and Senate by Democrats would extend federal CHIP financing for the next four years and largely continue the program along current lines. That is the better approach. Governors should lean on Congress to extend this valuable children’s program without major changes. insurance, insurance, insurance, loans

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They’re in jail, they talk about and say, ‘Hey, let’s put our money together,’ and they get together and sometimes come down and bail them out,” bail bondsman Greg Padilla said. criminal attorneys san diego cayer fees|attorneys in|white collar lawyer|vista dui lawyer|free criminal defense lawyers|federal defense lawyer|san diego dui penalties|find a attorney|top san diego law firms|best criminal defense lawyers|what to in san diego|free criminal lawyer|lawyer services|san diego auto accident attorneys|federal criminal defense attorneys|la dui lawyer|dwi houston lawyer|be

“Families get together and they ask where their loved one is. Of them, only 268 are out on bail, meaning bounty hunters will not be actively searching for the other more than 64,000 people. Padilla has been involved in the family business for the last 30 years, but ever since voters approved Prop 47, fewer people need to be bailed out.

While Padilla understands voters believed Prop 47 would help reduce overcrowded jails, he thinks lowering bail amounts would have been more effective in doing that.

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Thanksgiving is typically a busy day for bail bonds companies.

“When people do miss court, and they’re not out on a bond, law enforcement does not have the ability or manpower to go out and apprehend these people,” Padilla said. He added it’s more than the risk of his business failing – but the system as a whole.

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. “Why not utilize an industry that does that at no cost to the tax payers?”

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In Sacramento County, there are currently about 65,000 outstanding warrants on offenders who failed to show up for their court date. attorney free consultationyer fees|attorneys in|white collar lawyer|vista dui lawyer|free criminal defense lawyers|federal defense lawyer|san diego dui penalties|find a attorney|top san diego law firms|best criminal defense lawyers|what to in san diego|free criminal lawyer|lawyer services|san diego auto accident attorneys|federal criminal defense attorneys|la dui lawyer|dwi houston lawyer|be

Padilla says his business has dropped about 20 percent. bankruptcy lawyer san diegoyer fees|attorneys in|white collar lawyer|vista dui lawyer|free criminal defense lawyers|federal defense lawyer|san diego dui penalties|find a attorney|top san diego law firms|best criminal defense lawyers|what to in san diego|free criminal lawyer|lawyer services|san diego auto accident attorneys|federal criminal defense attorneys|la dui lawyer|dwi houston lawyer|be

“(The law) essentially took a whole list of crimes and made them misdemeanors,” Padilla said

Traffic Lawyers

Out of those arrests a majority made over the New Year’s weekend. A person may not feel drunk because of a built up tolerance to alcohol and that they are merely feel buzzed, but this can still result in a conviction, injury or even death. criminal defence lawyers

It is important to understand that buzzed driving can still be very dangerous. lawyers with free consultation | divorce lawyer riverside

http://youtu.be/Q9w7E_IqUbc . It can take several hours for alcohol to properly filter through the bloodstream. how to find a divorce attorney | medical attorney

During the 2013 holiday season about 2,575 arrests were made on California highways. A DUI can be very costly and can even result in jail time. Starting on December 22ndNor Cal Bail Bonds will be providing rides from bars to peoples’ homes in an effort to prevent DUIs and help keep the roads safe from now into the new year. Getting charged with a DUI is a 100-percent avoidable as long as everyone is responsible when drinking and makes sure to take preventative measures. Someone might say that coffee, exercise or eating bread might sober you up quickly, but the only method that really works is time. It is estimated that in California a first offense misdemeanor DUI can cost over $15,000 and result in a license suspension

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Sponsored by two California congressmen, Republican Dana Rohrabacher of Huntington Beach (Orange County) and Democrat Sam Farr of Carmel, the amendment prohibits the government from spending money to prevent 32 states – California and 21 others that allow the medical use of marijuana, and 10 more that legalize hemp oils – from “implementing their own state laws.” criminal defense lawyers las vegas | the law office | las vegas dui laws

Not at all, replied Assistant U.S. He was growing it for money.” truck accident attorney las vegas

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Not far away, lawyers for Harborside Health Center in Oakland, the nation’s largest medical marijuana dispensary, were preparing to invoke the abrupt change in federal law to fend off U.S. attorneys in las vegas. Attorney Melinda Haag’s two-year effort to shut Harborside down and forfeit its property. Attorney Kevin Barry, because defendant Matthew Graves “was not growing (his crop) for patients. ..

Insurance

He liked working with people and helping people,” said Byron Jensen, a friend for RSS more than 45 years, first through Christian Fellowship of Toledo, where Mr. and Owens-Illinois Inc. Arrangements are by Fred Hunter’s Funeral Service in Florida.

Dean C. Carrying on the tradition of that agency was important to him, and that he was providing a service that people needed, and he was trying to do the right thing for people.”

The family suggests tributes to Church Hill Activities and Tutoring, CHAT, which works with young people in Richmond, Va.

He and his wife, Bebe, became devout Christians in 1951. Picton, formerly of Ottawa Hills, joined the firm in 1947. “It completely changed their lives,” his son said.

They also raised questions such as: What happens when, say, Google has the data about losses to insurers? Does it charge insurers for it?

That also could possibly make obsolete or minimize the importance of underwriting criteria that insurers, whose URL major players include Northbrook-based Allstate and Bloomington, Ill.-based State Farm, have used for decades.

Google and Apple also have Site other advantages, including being ubiquitous in the lives of many Website here! consumers and having been accepted as big data collectors.

The balance of power in driver-monitoring programs could shift to Google and Apple if smartphones catch on as usage-based insurance policies, Puri and other speakers at the event suggested.

Surviving are his wife, Bebe, whom he married May 27, 1944; daughter, Kathryn Picton; sons, Thomas and Kenneth; eight grandchildren, and four great-grandchildren. among them, his son said.. Picton was founding president of the Toledo Society for the Advancement of Chartered Property and Casualty Underwriters.

A service will be held Wednesday at John Knox Village, and a family gathering later. Picton studied at the Aetna Casualty insurance school in Hartford, Conn., and spent time in Aetna’s risk analysis and insurance My company survey department in Chicago. read more

His son said, “He was following in my grandfather’s footsteps. cheap car insurance quotes That was important to him, to make his father proud. He decided against physics as a career; he didn’t want to be cooped up in a lab or classroom. He’d been an Army second lieutenant and served with the 7th Infantry Regiment of the Third Division, mostly in post-World War II Germany and Austria. Picton was on the board of elders. lRelated Tech-industry leaders see 2015 big for health care, wearables, mobile

“He was more of a relational guy. He offered his insights while participating in a Telematics Update panel discussion titled “Big Impact Disrupters Enter the Market” in Chicago.

Mr. He put his MIT education to use as he handled insurance matters for some of Toledo’s largest companies, Libbey-Owens-Ford Co. Picton, 92, a partner and executive in a well-established Toledo insurance firm, died Nov. Their son John, who had Down syndrome, died in May.

Mr. continue

He received a bachelor’s degree in physics in 1944 from the Massachusetts Institute of Technology. 28 in John Knox Village, a Pompano Beach, Fla., retirement community. click here

“Because of what Google and Apple can do, they are in the position to gather so much data, and that data may be more insightful than traditional variables,” such as credit scoring and motor vehicle records, said Sandeep Puri, a Deloitte consulting director and co-founder of D-rive, the firm’s auto insurance telematics business. read more

Mr

Without knowing the full cost, consumers are “paralyzed,” she said, so they don’t take care of their health needs. read more

If his blood pressure reading is high, the Browns Mills man said he will go online to read up about foods he should eat and items he should avoid to get that number down. The legislature is looking into a number of bills that could address the issue, he said, including measures that would give more price information to consumers or create an arbitration system to resolve billing disputes between insurance companies and health care providers. news

“Sometimes they tell me, ‘I’ve got a general liability policy, so if I’m liable then that should cover it.’ I tell them, ‘Well, GLC only covers bodily harm or property — stealing someone’s information isn’t covered,'” he said. “How do they justify it?” read more

That’s no longer true. more…

Take the owner of a small rubber gasket manufacturer that Dan Hanson at Marsh & McLennan Agency, a customized insurance and financial services firm, spoke with recently. click here

“We’re seeing an average premium of about $2,500 per year,” but it can go up to as much as $10,000 a month depending on the company, said Harris Tsangaris, a vice president at NFP Property & Casualty, an insurance brokerage. They are skipping health care in spite of federal and state efforts, particularly through the Affordable Care Act, that have lowered the numbers of the uninsured. news

In another, the Gallup Poll, which annually asks about health care cost and use every November, reported that the percentage of Americans who had insurance and chose not to go to a health care professional for a routine visit or a payday loans need because of cost hit an all-time high of 34 percent. Because their bodies are young and in development, children are high users of health care, and high-deductible policies may drive some families to skip visits or care they deem non-essential, it said. click here

The national pediatrics organization this year issued a policy click here statement suggesting that the federal government may want to limit high-deductible payday loans health plans to adults because its members see families withholding important primary care for their children. read…

“If one of those got lost, that’s millions of dollars in liability,” Hanson said. news

The insurance companies complained, but the courts said, “Too bad for you, these poor people thought they were covered, so you have to pay,” he said. click here

“I self-treat myself,” he says. blog

Assemblyman Craig J. As a part-time IT consultant with sporadic free-lance jobs, Korobow, who was covered through his wife’s insurance policy, says he might make around $20,000-$30,000 a year. blog

“I am procrastinating going to the doctor because of experience with back pain and that it will usually subside,” Pula said. read more

The owner at first said he didn’t have a lot of online exposure. news

How much the policies cost depend on several factors including how large or small the company is, how much data it keeps and how good a job it has done of protecting it. Health care is extremely expensive in the U.S., and to keep from busting their budgets, companies that provide coverage to their employees and families increasingly are turning to plans that keep monthly premiums lower by increasing deductibles and charging more for out-of-pocket costs, said Linda Schwimmer, vice president of the New Jersey Health Care Quality Institute. blog

But it’s not because Korobow, who is “near 60” lacks health insurance coverage. more…

“More and more of [the cost] is being put on the employee, and because of that, they’re reluctant to get the care they need because they’re concerned about the cost,” she said. blog

“I can’t afford the full price of medical insurance,” he said, “or go to the emergency room at $500 a shot.” read…

Smaller businesses are especially vulnerable, said Ness. “This is especially true in New Jersey, which has some of the highest health care costs in the nation.” read…

He said his share of the doctor’s bill, plus the cost of a scan such as an x-ray or MRI and rehabilitation therapy makes the pain something he’ll have to accept. But then he realized that his staff gets schematics from companies like GE and 3M in advance of products being released, and his sales staff carried these around on their laptops. car insurance quotes | payday loans online

Recent surveys provide evidence that some Americans click here are taking Korobow’s approach to health care. click here

Efforts to get costs under control have bipartisan support, he said, noting that publicity over astronomical bills for seemingly routine procedures provoke outrage. read more

There was a time when the courts said that a company’s general liability coverage covered breaches, says Robert Sumner, a lawyer with Moore & Van Allen payday loans in Charleston, S.C., who specializes in data security. read more

Antivirus software powerless against Sony hackers

When insured patients go to physicians’ offices, pharmacies and hospitals, they have no access to a menu of price information. click here

“There needs to be much greater focus on addressing the underlying health care cost drivers, such as the price of services, to ensure affordable health care for consumers,” he said. As time goes on, those needs become more critical, leading to higher costs and worse outcomes, Schwimmer said. news

More sacrifices will be necessary, said Wardell Sanders, president of the New Jersey Association of Health Plans.

However, among households making $30,000-$75,000 a year, 38 percent said cost forced them to forgo health care, Gallup said, up from 33 percent in 2013. read…

After paying $500 for a walking boot he had gotten for a recent foot fracture, Pula was reluctant to see how high health care bills would be for his back. read…

Just 33% of small- to mid-sized companies have a cyberliability policy, a survey released last month by insurance exchange company Marsh & McLennan Agency found. more…

In even wealthier households, the least likely to have Obamacare coverage, the increase was more pronounced. click click here here

The damage a cyberbreach can cause a company is starting to sink in, especially as the nation watches Sony Pictures Entertainment deal with a massive attack. Both are federally regulated and have strict data security compliance standards. The federal health care law targeted this population because it was the largest group among the uninsured – too payday loans wealthy to qualify for Medicaid, too poor to afford coverage. In households making more than $75,000 a year, it said, 28 percent reported skipping professional health care services due to cost. blog

Rick Pula of Piscataway is another of the insured who said he considers cost before seeking professional help. Among companies hit by a cyberbreach, 76% say it’s equal to or greater than a natural disaster or fire in terms of disruption, a survey by the Ponemon Institute, an independent privacy and information security organization, found. The pain re-emerged in recent weeks, but he is trying to wait it out as he has done in the past, he said. blog

Cyber-risks that might cause a company to take out such a policy include processing credit card transactions, holding employee records, having a website that collects personal information from visitors or holding client or customer information. click here

“Unbelievable,” he said. click here

It’s justifiable because health care is costly, but many factors go into the price of its goods and services, said Kerry McKean Kelly, vice president of communications and member services for the New Jersey Hospital Association. more…

Pula, 61, early this year fell on ice, he said, injuring his back, which already was sore from disc problems. read more. That figure is up 65 percent over 2013, according to the survey. “But, despite a drop in the uninsured rate, a slightly higher percentage of Americans than in previous years report having put off medical treatment, suggesting that the Affordable Care Act has not immediately affected this measure.” news

One place to attack is what Schwimmer calls “actionable transparency,” or simply letting consumers see the actual cost of health care goods and services and giving them options. The percentage of middle-to-lower income Americans who said they skipped getting health care because of cost dropped, it said. Advances in pharmaceuticals and technology are expensive, and high use of health care, especially in the Northeast, requires numerous facilities and staff, she said. news

Korobow is part of a growing swath of the American click here public that puts off seeking care from a medical professional because, even with health coverage, the cost of care is simply too expensive, according to two recent polls and a statement from the American Academy of Pediatrics. In 2013 the number was just 16%. It makes companies look closely at their risk. read more

“If I have a cough,” he said, “I hope for the best, so to speak… You don’t want to go to the ER, because that could cost hundreds.” read…

In some ways, just the process of getting the insurance is protective. They go after the little ones who aren’t really paying attention.” blog

The problem is easy to identify but difficult to solve. news

Hospitals are doing their part to rein in costs by giving up an estimated $4.5 billion in Medicare reimbursements over Obamacare’s first 10 years, she added. That includes things like who has access to what data, where data is stored and whether any third-party vendors pose a risk. more…

That still hasn’t hit many small business owners, says Neil Ness, who specializes in insuring cooperatives for Farmers Union Insurance in Bismark, N.D.

Whether the payment is for insurance or to the provider, it’s still too high for people like Korobow. Today courts hold companies responsible for the fallout from a breach, as Target click here is finding. more…

“Those things shock payday loans online the conscience,” he said. “That’s how these hackers practice. The owner ended up buying a cyberliability policy.

The Gallup survey showed that Obamacare has begun to help its target group as a whole. In a survey taken in the fall, The Commonwealth Fund, a private, independent health care research organization, found that about 40 percent of adults nationwide who had high-deductible private insurance plans reported delaying care because of the cost. news

“Last year, many hoped that the opening of the government health care exchanges and the resulting increase in the number of Americans with health insurance would enable more people to seek medical treatment,” Gallup said. read…

For now, coverage is most likely to be purchased by companies in financial services, 88%, and health care, 53%. Coughlin in October chaired a hearing over health care costs

DUI Lawyers

In recent quarterly reports, Amphastar pointed to increased sales of naloxone as a bright spot, observing that it helped make up for losses from other products. read more

“A dose of naloxone that a participating police department had purchased for $14.90 in August is now selling for $34.50,” he wrote in the letter, which followed a report in The New York Times on Monday about similar increases around the country. A naloxone kit bought by another police department, which includes two doses and two atomizers, rose in price to $109 from $54, he added. Los Angeles Car Accident Attorney

It is that generic version of the drug that has steeply increased in price in recent weeks. San Diego DUI Lawyer

The strongly worded two-page letter click here amplified a growing chorus of complaints by the police and public health officials from Georgia to San Francisco about a read more recent jump in the cost of the drug, naloxone, which counteracts the effect of a heroin or opioid painkiller overdose. In some cases, the price more than doubled. Denver DUI Attorney

While the drug comes in injectable and intranasal forms, most police departments use a high-concentration formulation made by Amphastar Pharmaceuticals that can be sprayed into the nostril with an atomizer attachment. Chicago DUI Attorney

A nasal-specific naloxone product has not been approved by the Food and Drug Administration. Amphastar’s formulation is used “off label,” in combination with an atomizer, to administer the drug through the nose. Houston DUI Attorney

In April, Mr. Schneiderman’s office began a $5 million program to reimburse police departments across the state for purchases of naloxone. Since then, Mr. Schneiderman said, the price paid by departments has surged. Los Angeles DUI Lawyer

And after a record-low 335 homicides in 2013, the city has seen 290 killings in the first 11 months of this year, a number unheard-of two decades ago. click here

Laurie Sperring at Rikers Island jail complex.Heroin Takes Over a House, and Mom, on New York’s Staten Island Phoenix DUI Lawyer

“These increases insurance threaten to curtail access to a drug just when it is needed most,” Mr. Schneiderman wrote to Jack Y. Zhang, the chief executive of Amphastar. “To date, Amphastar Pharmaceuticals has failed to provide any satisfactory explanation for dramatically increasing the price of a critical lifesaving drug.” San Diego DUI Attorney

A kit with naloxone, which reverses the effects of a heroin overdose.Naloxone, a Drug to Stop Heroin Deaths, Is More Costly, the Police SayNOV. 30, 2014 Las Vegas DUI Attorney

Faced with a crisis of painkiller and heroin addiction, law enforcement departments across the country began outfitting officers with naloxone kits to reverse overdoses encountered on patrol. In New York, the department pledged this spring to provide its roughly 19,500 patrol officers with the drug after a successful pilot program on Staten Island. Philadelphia DUI Lawyer

Network

“If they know they’re working for an agency click that offers the opportunity to have a read more career with flexibility, you will definitely have more young hires,” Emek told Insurance Business. “It’s a good opportunity for young people to be mentored by aging workers with institutional knowledge, while having them stay engaged with the industry as long as possible.” read more

In order to overcome that perception, hiring agencies must angle recruitment from simply loans selling insurance and instead focus on career development, problem solving and helping people. read more

For agencies to ensure they’re hiring quality potential hires, a temporary internship is an ideal solution, says John Belyea.

The paper, titled ‘Tomorrow’s insurance workforce’, explores the employment factors influencing the insurance industry and how some businesses have already prepared for the changes.

Are you ready to lose a quarter of your staff? However unwelcome the thought may be, it’s a plight many insurance agencies will face as an industry employment crisis looms on the horizon.

WAHVE is a consultancy that seeks to place qualified remote workers with independent agencies seeking new talent. read more

Unfortunately, young graduates and millennial employees harbor an opinion of the insurance industry that is less than favorable. A joint survey from The Institutes and the Griffith Insurance Education Foundation revealed that young employees view insurance as “boring.” read more

“Messages need to avoid a focus on selling insurance, as this was the most common reason why click millennials were not interested in working in the insurance industry,” the survey found. “Also, the messaging needs to combat the image of a boring loans industry.” read more

While young agency employees can’t expect read more to start working from home right away, Emek said the possibility of a more flexible work approach in the future makes a career in insurance more appealing. read more

Belyea said the internship functions as a “test drive” for young potential hires, and limits potential loans employee turnover in the future.

Another way to make insurance agency work more attractive to young hires is by offering the opportunity to work remotely, said Sharon Emek, CEO and president of Working at Home Vintage Employees (WAHVE). read more

“We’ve been doing a lot of hiring, hiring into junior positions,” said Belyea, who serves as COO at Moore-McLean Insurance blog Group click here Ltd. “And we’ve found that hiring three summer interns each year is a great way to expose college kids to insurance, because getting good people is as important as getting clients these days.” click here

“This data makes it clear that agencies cannot afford to continue to do business as usual when it comes to hiring new producers,” researchers wrote. “The most relevant agencies of the next decade will not only hire aggressively in the short-term, they will work to improve their retention in the long-term to ensure success.” read more

The bottom line, MarshBerry said, is that independent agencies need to start recruiting click younger producers immediately. read more

News

A drawback of Section 79 plans is that you have enough cash flow to fund the premiums, but the clients’ company was growing fast enough to support the click here cost. Also, the returns are capped, meaning the policies could feasibly earn less than market read returns.

The policy also will provide the couple with tax-free retirement income from a cash-value component of the policy that grows based on an index’s performance, usually the S&P 500. Once the couple retires, they’ll View be able to make withdrawals against that cash value, which are tax-free because they are considered “loans” that are deducted against the death benefit.

Under Mr. Turner’s plan, the couple’s business purchased separate permanent life policies on the wife and the husband. The policies offered initial death benefits of $3 million and $5 million, respectively, and the premiums totaled $400,000 a year for five years. los More angeles dui attorney

“The additional insurance really just works for the owners, who were going to take that income anyway,” Mr. Turner says.

As for the cost, if you buy 10- or 15-year level term insurance and you are healthy, of average build and a nonsmoker, you might qualify for rates around $1 per year Go here per $1,000 of coverage. In other words, $600,000 worth of coverage might cost you $600 a year (or $50 a month). This is a really crude estimate because there are so Other many factors that read more affect pricing. But I want you to know Click here that doing the right thing won’t break your bank.

Unbeknown to Mr. Turner, they Visit our website hatched an unusual plan to buy a second home in an income tax-free state, thinking it would exempt them from taxes. Mr. Turner had to explain that the laws regarding cross-state taxation meant that the second home likely wouldn’t have the effect they assumed. sarasota dui attorney

Putting additional money into their retirement plans wasn’t a good option payday loans online, because the plan structures required that they also contribute more to their employees’ accounts at the same time. That wasn’t the couple’s immediate priority. So Mr. Turner found a solution that specifically benefited them: a Section 79 insurance plan.

So many variables help determine the amount of life insurance you should carry. Do you want to fund your children’s college educations? How much money have you accumulated in savings, and how much of that are you willing to spend after one of you dies? Is there a home mortgage that you would like to pay off? If one of you dies, do you each earn enough to live comfortably on your own without the other’s income? If not, how much additional monthly income would the survivor need?

These plans make use of an IRS tax code that allows companies to take Click here! tax deductions on insurance premiums they pay on policies for employees cheap car insurance quotes. Those premiums count as part of an employee’s compensation, but they are assessed at a reduced tax rate.

The Law

A federal judge could rule early next week whether to toss a sanctions case against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

read more

Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed he found thousands of emeralds off Key West, testified that he and Silverstein clashed over how and when to reveal the discovery of modern epoxy on stones that some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan had filed an action to get title Feeds to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was close,” Horan said of an argument he had in his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed to have Silverstein and Young Conaway punished for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the emeralds from a jewelry store. http://zustlaw.com

Motivation is headed by Kim Fisher, whose family is famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had been planted in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of the emeralds and anything salvaged from the site.

Scott graduated with a business degree from Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I was in banking in Dothan for years, and then I decided to go back to school to get my law degree just like my dad,” Scott said. “You’re never too old to follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Appeals, and Kristi DuBose, a federal judge for the southern district of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with Visit the website a bachelor’s degree in accounting and a master’s in business and accounting from Troy University Dothan. He is in his second year of law school. read more

“My goal is to kind of branch out a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax Visit website litigation.”

Elliott plans to look at possible law jobs in areas ranging from Birmingham to Atlanta or possibly even Tennessee, Missouri or Texas.

“I kind of want See page to get out and Website here! make my mark,” Elliott said. “I would like to really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think yahoo I was 4 at the time and I watch him start over, build his firm from the ground up. We’re a close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law school and build his law firm has encouraged him in his own law career.

“I was able to yahoo watch people come to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People think lawyers just solve legal problems, but Learn more they really solve life problems.”

Thomas serves as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Jones Learn more School of Law.

“I was born here and they were News! both born here also. I always, of course, hoped at least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of them decided to become attorneys.”

The Law

A federal judge could Visit this page rule early next week whether to wiki toss a sanctions case against a prominent Delaware law firm.

The case involves a bogus sunken treasure, specifically whether Bruce Silverstein – a Wilmington corporate attorney with Young Conaway Stargatt & Taylor – and his firm should be sanctioned for bad faith litigation. read more

read Twitter more

Recent testimony provided the revelation that Silverstein and another attorney almost came to blows over the case.

David Paul Horan, a leading admiralty lawyer who represented a novice treasure hunter who claimed he found thousands of emeralds off Key West, testified that he and Silverstein clashed over how and when to reveal the discovery of modern epoxy on stones that some had speculated came from an ancient pirate ship. read more

Silverstein and his firm, Young Conaway Stargatt & Taylor, had represented the company of the treasure hunter Jay Miscovich.

In a 2012 email, Horan told Silverstein they had a duty to disclose the epoxy enhancement to the federal court where Horan had filed an action to get title to the emeralds. Silverstein urged Horan to hold off, according to court records.

“It did not become a physical altercation, but it was close,” Horan said of an argument he had in his office with Silverstein in 2012.

Now, after a five-day hearing, a federal judge is weighing whether to toss the sanctions case against Silverstein and Young Conaway for their involvement in the treasure hoax. read more

Lawyers for Silverstein and Young Conaway have asked U.S. District Judge James Lawrence King to dismiss the sanctions motion brought by a famous underwater treasure hunter that questioned the discovery of thousands of emeralds by Miscovich.

For more than a year, the salvage company, Motivation Inc. of Key West, has pushed to have Silverstein and Young Conaway punished for bad faith litigation and aiding a fraud on the court after it was revealed Miscovich purchased the emeralds from a jewelry store. http://cafesureia.com

Motivation is headed by Kim Fisher, whose family is famous for the discovery of the shipwreck of the Spanish galleon Atocha, worth hundreds of millions of dollars.

Because Miscovich’s treasure salvage company, JTR Enterprises LLC, had filed a federal admiralty action to be awarded title to the emeralds, the revelation that the emeralds had Visit their website been planted in the Gulf of Mexico was deemed a fraud on the court. Horan initially represented JTR Enterprises in the admiralty action, but later withdrew following the fight with Silverstein.

Young Conaway was involved in the case because it represented JTR Enterprises, which held the secret location of the discovery site. According to legal documents, Young Conaway had a right to a percentage of the emeralds and anything salvaged from the Continue… site.

Scott graduated with a business degree from Troy University Dothan, and went into the banking industry in Dothan.

“I’ve enjoyed banking, but it’s just not what I wanted to do for the rest of my life. I was in banking in Dothan for years, and then I decided to go back to school to get my law degree just like my dad,” Scott said. “You’re never too old to This one follow your dreams, and strike out on a different path.”

Thomas Smith, who graduated from Troy University Dothan with a business administration degree, also attended and earned a law degree from Faulkner University’s Jones School of Law.

“He’s (Scott) finishing law school sort of about the same age as I went to law school,” Thomas said.

Scott said he’s interned with several judges, including Michael Joiner, who sits on the Alabama Criminal Court of Appeals, and Kristi DuBose, a federal judge for the southern district of Alabama in Mobile.

After earning his law degree Scott said he hopes to practice in Alabama, but hasn’t ruled out going where the job takes him.

“I want to be in a courtroom. It’s just the atmosphere I enjoy most,” Scott said. “I really just want to be in a position that helps others. It could be anything from being a plaintiff’s attorney, to a criminal defense attorney to a prosecutor.”

Elliott, 27, graduated with a bachelor’s degree in accounting and a master’s in business and accounting from Troy University Dothan. He is in his second year of law school. read more

“My goal is to kind of branch out Go to website a little bit,” Elliott said. “I’ve kind of got an interest in practicing tax litigation.”

Elliott plans to look at possible law jobs in areas ranging from Birmingham to Atlanta or possibly even Tennessee, Missouri or Texas.

“I kind of want to get out and make my mark,” Elliott said. “I would like to really get out into a larger firm, and put in some time in getting partner at a place like that.”

But Elliott said also hopes to one day bring his law career back to his native Dothan.

“I’ve always wanted to be an attorney since I saw my dad go through law school as sort of a second career for him,” Elliott said. “I think I was 4 at the time and Hyperlink I watch him start over, build his firm from the ground up. We’re a close family and I hope to continue on what he’s got going there in Dothan.”

Elliott said watching his father attend and complete law school and build his law firm has encouraged him in his own law career.

“I was able to watch people come Visit website to him with their problems, and see him make a difference in people’s lives. So I knew that’s what I wanted to do,” Elliott said. “People think lawyers just solve legal problems, but they really solve life problems.”

Thomas serves as a partner in the Dothan law firm, Smith & McGhee, with specializations in criminal defense and family law, along with some estate planning and personal injury. His law partner, Shaun McGhee, also earned his law degree from Faulkner University’s Jones School Website here! of Law.

“I was born here and they were both born here also. I always, of course, hoped at least one of my sons would be an attorney,” Thomas said. “I was pleasantly surprised that two of them decided to become attorneys.”

Insurance

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Legal :: Thai Company Registration: Getting The Foreign Business License

If you think carefully, the difficulties of Official website proving all of the above are glaringly obvious. The most blatant culprit is the first issue: How can you prove that a bar or restaurant business can’t be competently managed by a majority Thai owned company? Simple answer, you can’t!

If you are interested in Thai company registration and wish to own more than 50% of the shares, it is necessary to invest in a Foreign Business License. The foreign business license is not popular with foreign investors. According to the Thai authorities, approximately 80% of foreign companies that apply for this license receive it. However, it should Site href=”http://usglobalcoffeehouse.com”>payday loans be noted that since the introduction of Free rates here! the Foreign Business Act, few companies have bothered to take on an application. Why? Because it is known to be an extremely long and arduous process. However, if you find the ideal legal team, you can speed up your Thai company registration process AND possibly gain a foreign business license.

Are the rules of foreign business license web page and Thai company registration getting you down? If so, simply contact a Thai legal team as they successfully bypass all this legal tape and get you started.

How Do You Obtain The License? Gaining the license This site could make the Thai company registration process easier but getting it is no easy task unless you hire the services of a top notch legal team. For starters, you need to convince Thai authorities that your proposed business couldn’t be carried out competently by a company that is owned by a Thai majority, that the business does not pose a threat to national security or stability and that it is beneficial to the Thai economy.

The Process Unlike the Thai company registration process, obtaining the license seems simple in theory. All you have to do is send your application to Read more the Ministry of Commerce before you start up your business. The Foreign Source Business Committee reviews the application and must make a decision within 60 days. However, the application itself is very complex and could take months to figure out. Assuming you file under your foreign company’s Other name, you need to have corporate documents certified by the local foreign minister, the Thai embassy and a public notary. In most cases, you are better off beginning the Thai company registration process as a Thai company and allow that company to fill in the application.

Rejection Or Acceptance If you application is rejected, the Foreign Business Committee will inform you in writing within 15 days of their decision. This letter will explain the reason(s) for your rejection. You can appeal within 30 days of receiving the written notice. If your application is accepted, it will be subject to certain conditions including the minimum capital requirement and number of foreign directors who can reside in the country. Under the license, your business needs initial capital of at least 3 million baht Visit this page or 25% of the annual spending projection over a 3 year period with the larger figure taken into account.

Insurance :: Citizens Insurance Michigan

Citizens Insurance is owned by The Hannover Insurance Group, one of the biggest and best property and casualty insurers in United States. It is auto insurance quotes now currently on the top 25 insurance providers in the country with more than 160 years of experience in this industry. Besides property and casualty, Hannover Group also provides coverage for healthcare, business, industrial property risk, technology, and more.

The Platinum Auto service is a special type of insurance by the company offering smart savings feature with all the discounts and a stand-alone customer support from the rest click of the company’s products; it even has a dedicated phone line for Platinum customers. Compared to all competitors in the market of car insurance Michigan, it obviously stands out from the crowd. Platinum Auto protection by Citizens Insurance Michigan covers at least the following issues.

1. Waiver of Deductible

In case a single accident brings damages to one or more properties such as two vehicles, this car insurance Michigan requires you to pay only one deductible and the company will cover the entire damages. This rule also applies if a single accident damages your car and home or any other type of property.

2. Child Restraint System Replacement

Child safety feature is often overlooked by most blog companies, but not with Citizens Insurance Michigan. In the event of accident where the child restraint system is damaged, the company will cover the cost for replacement for up to $300. The best thing is that you don’t have to pay deductible for that.

3. Glass Coverage

If the safety glass is damaged in an accident, the repair will be completed at the preferred glass provider with no deductible as well. If you Webblog here choose to have it fixed at a glass provider This site of your own choosing, the company still covers the cost Read this but it is limited to a reasonable amount. If the safety glass needs a replacement, only $100 deductible is required.

4. Replacement Parts

A damaged car costs money to repair Move here since you need to replace some parts on the body and the mechanical parts too. Both are covered by this car auto insurance quotes insurance Michigan; this option includes the use of OEM and non-body related parts read such as batteries and tires.

5. Rental and Towing Citizens Insurance Facebook page Michigan gives you a rental car for as long as it takes until your damaged car is completely fixed and ready to go again. Also, it gives Roadside Assistant with up to $75 coverage for broken, lost, or stolen keys.

Insurance

Discover Bank also announced that it would be launching a student loan repayment assistance program in early 2015, but the details of the program haven’t been released.

Private Loans Have Been A Struggle For Many Borrowers

The truth is, many borrowers have gotten themselves read more into financial trouble with private student loans. Federal student loans place limits on the amount students can borrow – theoretically for their own protection. However, when these loans are exhausted, some students turn to private loans to fill the gap.

Private loans typically have higher click here interest rates payday loans than Federal loans, and have far fewer protections for borrowers. There are also few choices in repayment plans beyond the standard fixed repayment.

Private Lenders Must Compete With Federal Programs

For borrowers, there has been a lot of confusion around private versus Federal loans. While Federal student loans offer various repayment programs, student loan forgiveness, and student loan consolidation options, private student loans do not.

This has made it difficult for private lenders to compete with the Federal government for traditional students. Instead, private lenders have focused on areas where the Federal programs don’t apply: medical school, law school, graduate loans, and more. But the risks are higher, and lenders face shareholders where the government does not.

The trouble is, borrowers in these loans take on more debt – especially payday loans in the graduate segment, than they can likely afford. The result is the lenders are facing higher default risks in their portfolio. In turn, it make sense that they will begin offering more structured programs to get borrowers paying on their loans as much as possible.

Borrowers Still Have A Tough Journey

However, borrowers with private loans still have a tough journey to face if they want to get a private student loan modification from their lender. it’s important that borrowers remember that payday loans online these are still for-profit companies, and so any loan modification is not going to be structured just to help the student, but also help the read more bank as well.

Here’s what Wells Fargo is offering borrowers facing financial hardship:

When you are having difficulty finding employment, have experienced a job loss, or have an unplanned medical expense, we understand that keeping payday loans up with payments can be difficult.

We may have options that will provide temporary and permanent relief, such as: Short-term payment relief for up to two months as long as you’ve consistently made your loan payments on time, payment relief for up payday loans to six months due to financial hardship, payment options if you are already past due on your account, and Loan Modification Program which may temporarily or permanently lower payment amounts.

When borrowers contact Wells Fargo with a financial hardship concern, they should be prepared to Read more gather supporting financial documents that payday loans may include pay stubs, or other types of income documentation, along with information surrounding the customer’s complete financial picture to evaluate the severity of the financial hardship. Even then, it’s no guarantee that Wells Fargo will agree to any student loan modification.

If you’re mired in private student loan debt, the best thing you can do is pay them off as quickly as possible. Find a side hustle, work extra hours, whatever it takes to get the income to pay off the loan.

Insurance

The plans follow those the Bank’s Prudential Regulation Authority (PRA) has already drawn up for senior bankers, although they are less demanding in some respects.

“Policyholders are best served by insurance companies with senior managers who can be held to account and who are individually responsible for the decisions they make,” PRA chief executive and BoE Deputy Governor Andrew Bailey said.

Regulators have come under fire from click here lawmakers Bing for bringing so few bankers to book after lenders had Facebook page to be payday loans bailed out by taxpayers in the 2007-09 financial crisis.

Under the so-called “reversal of burden of proof” proposals for banks, top managers would have to prove to regulators they were unaware of or had challenged dubious behaviour at the time.

This Visit us. has alarmed bankers, with two directors of HSBC set to leave the bank because they are unhappy with the new rules, Reuters reported last month.

The plans for insurers are slightly different, recognising the differences between the industries, the PRA said.

Regulators would have to show misconduct by an insurance official was deliberate or that behaviour fell below reasonable standards. The sanctions that could be imposed against insurance officials are also in line with Link here… those already Visit here available, such as fines, bans and public warnings.

The Association of British Insurers (ABI), an industry body, said it was reassured the plans recognised the differences between banks and insurers.

“We will be working Internet with our members… to ensure that the regime is fit for purpose and ensures a continuing loans flow of high level talent into the insurance industry,” it said.

The new regime for insurers such as Prudential and Aviva will apply to chief executives, chief finance officers, chief risk officers, heads of internal audit and chief My company actuaries.

The watchdog will also publish a further consultation on how non-executive directors at insurance and banking firms will come under the new accountability rules.

History Of Insurance Companies And The Technological Advances Made Over The Years

Learn how the insurance companies got started and also how they managed to stay in business for years and years. New insurance quotes websites defines and explains the history of insurance and how they managed to use these lessons when developing their exclusive “instant insurance quotes websites.

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The cumulative monetary resources provided by insurance companies allows the actual insurance industries the means to pay out to those who have endured hardship all while still being able to have money to back remaining claims and costs for the year. This allows insurance companies the proper capital to be able to keep functioning on a day to day basis, which should help explain My company also why insurance companies are so competitive – high turn over rates click here to keep the Quotes working capital coming in Clicking here to the business.

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How to Promote a Website with these 15 Sites

The advertising of the future is going online–and going local. This hot trend is growing rapidly and shows no signs of letting up. In fact, according to a report by Borrell Associates, local online advertising is expected to grow by 31 percent this year, hitting $7.7 billion. The report also predicts local paid search will skyrocket by 86 percent this year, up to $1.8 billion. Local e-mail marketing will experience growth of about 54 percent, reaching $233 million.

There’s no question that consumers are using the internet to navigate their way to local brick-and-mortar retailers. A recent study by ROI Research Inc. and Performics shows that online searches influence 20 to 30 percent of purchases made at retail locations–and that number is only increasing. More and more sites, like Local.com, are making their presence known by competing against major search engines like Google and Yahoo!. So study up, plan your budget and get in on the online advertising game.

1. Website: Google AdWords

How It Will Help You: AdWords helps you target local online customers by setting your pay-per-click ads to appear only when people search a particular city, state or region. There’s no minimum spending requirement–your daily budget is up to you.

2. Website: Yahoo! Local Listings

How It Will Help You: Local Listings will promote your business to customers looking for information in Yahoo! Local. Choose from three different plans (one is free) to meet your company’s needs.

3. Website: CitySearch

How It Will Help You: CitySearch offers online advertising tools to easily open your account, manage your daily results and receive ad placement on MSN, Yahoo!, Google and Ask.com. Similar to the idea of pay-per-click advertising, CitySearch offers two paid plans, “Web Connect” and “Call Connect.”

4. Website: Ask.com’s AskCity

How It Will Help You: Ask.com recently launched AskCity, a new local search application that’s a one-stop destination for making plans. In one screen, consumers can map a route, make dinner reservations, purchase movie tickets and e-mail plans to blogger others. Pricing for advertising on Ask.com search engine marketing varies.

5. Website: AOL’s CityGuide

How It Will Help You: AOL’s CityGuide specializes in providing local entertainment information to AOL service members. Advertising with AOL allows marketers to target consumers specifically by lifestyle and market.

6. Website: Craigslist

How It Will Help You: Craigslist gets an estimated 10 million unique visitors per day. With an online classified ad format organized by region or city, Craigslist connects buyers and sellers in more than 300 communities; for the most part, posting on the site is free.

7. Website: MerchantCircle.com

How It Will Help You: This free site offers a local business listing service that allows you to better manage your online reputation and become more visible in search engine results.

8. Website: Dotster

How It Will Help You: Dotster is a web domain registration and hosting company offering a local web advertising package called “Local Site Promotion.” You set your monthly budget and Dotster will make your ad visible on all the major search engines.

9. Website: Local.com

How It Will Help You: Advertising on Local.com will give you access to their 10 million-plus monthly customers. Choose from a free basic listing or pay-per-click options.

10. Website: Froogle Local

How It Will Help You: Google’s shopping search engine allows users to search for specific products by location. It’s a great way for users to find retail stores regardless of whether you use e-commerce.

11. Website:ReachLocal

How It Will Help You: This site provides a central location for businesses to set-up, maintain and track local search advertising campaigns. Pricing varies.

12. Website: RegisterLocal

How It Will Help You: RegisterLocal is a service, costing $199.95 per year, that allows you to create a master profile they submit to search engines and directories on your behalf.

13. Website: TrueLocal

How It Will Help You: This local search engine features full-text searching and offers advertising opportunities for businesses. Currently indexing more than 13 million local businesses, TrueLocal starts at just $1 per month.

14. Website: YellowPages.com

How It Will Help You: YellowPages.com is a large online local directory site featuring city guides and advertising solutions. Basic listings are free.

15. Website: Web.com’s MyEzClicks program

How It Will Help You: MyEzClicks lists your business on more than 30 major search engines, including Google, Yahoo! and MSN for a monthly fee.

Who is Sears’ Target Market?

Sears(64556)

Since it first opened in 1886, Sears has been one of the most famous department stores in the United States. The store is known for its overwhelming selection of products, a range evidenced by the size of its specialty catalogues. In fact, the sheer breadth of products at Sears makes it difficult to determine Sears’ target market, which can pose challenges for marketing and advertising. Overall, however, adult female homeowners seem to be the primary Sears shoppers.


Women

Sears Women

Sears opened in the late 19th century, when women were still expected to be responsible for all domestic and household duties. The company initially gained a reputation business internet as a store with a predominantly (though not entirely) female clientele. This has continued to the present day, with the result being a circular marketing tactic: ads target female consumers, who frequent the store more often than men, thus making them Sears’ best customers, which in turn makes women Sears’ target market for ad campaigns.


Homeowners

According to Sears’ target market research, a female head mass media of household is responsible for nearly 70% of the overall purchases made at the department chain. This is largely due to the fact that the store itself sells practically everything that would be needed to sustain a household–from hardware to furniture to lawn mowers to toiletries to appliances. Therefore, women who respond to Sears’ ads, and who assume most of the shopping duties not only for themselves but also for their families, seize the opportunity to purchase a variety of household necessities in one convenient location.


Bargain Shoppers

In addition to focusing on female consumers (generally aged 25 and over), part of Sears’ target market is also the bargain or discount shopper. In the past, Sears marketed its products as “cheap,” but as online home business the word developed negative connotations over time, Sears has begun to emphasize the value of their products. That advertise is, the chain targets shoppers on a budget who still want to purchase items of reliable quality. Therefore, many of Sears’ ads feature “daily deals” or seasonal discounts to draw in more bargain hunting shoppers.


Ads Targeting Female Shoppers

Sears Kardashians

Because of the heavy female demographic, many of Sears’ marketing campaigns–from commercials to website design–feature women at the center of the advertisements. Often, the ad’s models are female celebrities, best known for the appearances on reality TV shows whose chief demographic is women between the ages of 18-35. As of August 2011, the Sears featured members of the Kardashian family, who have designed a new discount clothing line to internet business opportunity be sold by Sears. Also featured prominently is fellow reality TV star Audrina Partridge, who is the new face for the Bongo line.

As long as women remain the top consumers, they will continue to be Sears’ target market within commercials and print ads. They will also factor in to any decisions the company makes in terms of what new products or signature collections to carry. While men and children are also featured in the ads and marketing campaigns, they generally receive less attention, and mostly serve to model the products for the chief female consumer.