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Day 14 of One Month to a Better Board-Boards and Doing Business in China
Day 14 of 30 Days to a Better Compliance Program-Design of Your Compliance Training Program
Compliance into the Weeds-Episode 8, big data, risk assessments, the compliance profession and implications from the Yates Memo
Latest Survey Highlights the Year's Top Trends in Class Actions
CorpCast Episode 7: Better Know a Judge: the Honorable Mary M. Johnston of the Delaware Superior Court
CorpCast Episode 4: Better Know a Judge: Vice Chancellor J. Travis Laster of the Delaware Court of Chancery
CorpCast Episode 3: Preview of Business Divorce CLE at 2015 ABA Business Law Section Spring Meeting
Insights and Strategies on Class Action Litigation from General Counsel and Chief Legal Officers
CorpCast Episode 1: Sections, 204, 205 and In re Numoda
Uncovering the "Why" in FCPA Compliance Issues
SullCrom Sees Litigation Boom Despite Waning Credit Crisis
Karl Rove's Efforts to "Buy" Courts Harmed America, Says Legendary Attorney
How Did The NFL Get This So Wrong?
Recognition of Foreign Judgments in the United States (VIDEO)
Blecker: GM Recalls Show Need for Harsher Penalties for "Red Collar" Criminals
Polsinelli Podcasts - Be Careful What you Put in Writing - What Companies Need to Know About Document Retention
An Overview of the 2014 Class Action Survey
Two-Pronged Approach to Defending Lawsuits – Interview with Dominic Picca, Member, Mintz Levin
Class Action Trends – Interview with Stephen Gulotta, Managing Member, Mintz Levin's New York Office
Bill on Bankruptcy: Detroit Judge Might Lose Grip on the Case
The bribery and corruption case of GlaxoSmithKline PLC (GSK) resonated across the corporate globe. While many questions are still unanswered, one that seems to be at the forefront of the inquiry was where was the GSK Board of...more
On February 2, 2017, Skadden hosted a webinar titled "Key SEC Financial Reporting, Accounting and Enforcement Matters," the third installment of our four-part Corporate Governance Series focused on trends in corporate...more
Concepts That Retirement Plan Advisors Shouldn't Focus On.
It would be a detriment to focus only on this stuff. Being a financial advisor isn't as easy as many people on the outside think. There are so many things you ...more
Concepts You May Not Be Aware Of As A 401(k) Plan Sponsor.
Quite a few things out there.
As a child, I was never taught the birds and the bees. I was actually handed some cartoon book from my parents when I was...more
Bass, Berry & Sims attorney Chris Lazarini discussed a case in which a pension fund, a "net winner" in the Madoff Ponzi scheme, filed an ERISA action against its investment adviser seeking to recover "lost opportunity"...more
A divided panel of the Seventh Circuit recently held that the Securities Litigation Uniform Standards Act ("SLUSA") requires any covered class action that "could have been pursued under federal securities law" to be brought...more
In Good Hill Master Fund L.P. v. Deutsche Bank AG, No. 600858/10-2188B, 2017 BL 19363 (App. Div. 1st Dep't Jan. 24, 2017), the First Department unanimously affirmed a judgment entered in the Commercial Division of over $90...more
In my practice, I always talk about how plan fiduciaries can be held personally liable for any issues regarding their retirement plan. Many plan sponsors just don't pay any attention to that threat until they see it happen to...more
For compliance training to be effective its needs to risk-based in its focus. This means employees with highest risk of exposure to bribery and corruption need to receive the highest levels of training and refreshers. From...more
In Ace Decade Holdings Ltd. v. UBS AG, No. 653316/2015, 2016 BL 413780 (N.Y. Sup. Ct. Dec. 7, 2016), Justice Eileen Bransten of the Commercial Division dismissed a $500 million fraud suit brought by an investment holding...more
With the first-filed cases at or near completion, the results are not looking good for the plaintiffs in the latest wave of mutual fund fee litigation. Defendants prevailed after trial in one of those cases and achieved...more
We are pleased to present Inside the Courts (Volume 8, Issue 4), Skadden's securities litigation newsletter. This quarter's issue includes summaries and associated court opinions of selected cases principally decided between...more
The Department of Labor (DOL) issues the first of a few Q&As to help with financial advisors to cope with meeting the requirements of the new fiduciary rule coming down the pike in April....more
The U.S. Department of Labor (the "DOL") released its first set of FAQs (the "FAQs") regarding the DOL's recently finalized "investment advice" regulation and various related exemptions (collectively, the "Final Rules") on...more
The Department of Labor (DOL) recently issued guidance on the Conflicts of Interest Rule it released earlier this year. The guidance, issued on October 27, 2016, is in the form of answers to frequently asked questions, which...more
Mutual fund sales and distribution arrangements are once again under review. It has been reported that fund intermediaries are re-examining their practices relating to sales charges, share class structures and product...more
Last June I blogged about the trend of participant fee class actions moving down to smaller 401(k) Plans. Occasionally, class actions are brought based on other breaches of fiduciary duties, particularly those involving...more
In its 2010 opinion in Jones v. Harris, L.P., the United States Supreme Court embraced the so-called Gartenberg standard for assessing an investment adviser's fiduciary liability for excessive mutual fund fees under Section...more
A settled enforcement action, announced by the U.S. Securities and Exchange Commission (SEC) on September 14, 2016, continues the trend of increased SEC scrutiny of private equity advisers concerning the allocation and...more
A recent opinion issued by the United States District Court for the Northern District of Illinois reminds us that corporate veil-piercing liability is not exclusive to shareholders. Anyone who is in control of and misuses the...more
A Florida optometry practice with a 401(k) plan with only $300,000 in assets is the latest plan to be sued for 401(k) mismanagement, with a newly filed lawsuit accusing the practice of over-investing in alleged "patent troll"...more
Editor's Overview -
This month, we have re-published an interview of our colleague Seth Safra discussing the Department of Labor's final regulation concerning fiduciaries and conflicts of interest. In this interview,...more
The FCA concluded that Ms. Parry's actions amounted to a failure to act with integrity and were therefore in contravention of Statement of Principle 1 of the FCA's Statements of Principle. Furthermore, the FCA concluded that...more
The U.S. District Court for the District of New Jersey issued its post-trial ruling on August 25, 2016 in Sivolella v. AXA Equitable Life Insurance Company—the first Section 36(b) trial decision since 2009. The Court...more
On Sept. 1, 2016, the U.S. District Court for the Northern District of Illinois issued its decision in the Antioch employee stock ownership plan (ESOP) fiduciary litigation. The court held that the Antioch Board of Directors...more
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A safety net for victims of fraud and bad advice was facing a critical battle for survival yesterday as a leading insurer began a High Court challenge not to pay towards the scheme's running costs.
Sun Life argued the levy it was being asked to pay towards the Investors Compensation Scheme was illegal because the company was not liable for the share of the bill demanded.
Charles Flint QC, for the insurer, said: "Sun Life is a strong supporter of the principles behind the ICS and has made substantial contributions to it in the past... But this application raises an issue of principle."
His comments opened the legal battle between Sun Life and its watchdog, the Personal Investment Authority, over whether it must pay towards the pounds 16m levy to the ICS. The company is challenging the PIA at a judicial review in London.
Mr Justice Sedley, the judge hearing the case, was told yesterday the argument centred on whether, as Sun Life claims, members of a regulator are answerable only for defaults incurred by fellow-members.
The PIA, backed by the City's most senior watchdog, the Securities and Investment Board, argues that it has the discretion to widen the net further.
But Mr Flint claimed the PIA, could not be held responsible for previous years' liabilities incurred by companies that never joined it.
The case continues today.
- More about:
- Insurance
- Investment
- Justice
- Supreme Court

subset: commoncrawl


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New Macs are officially on the way.
Apple finally announced that it will be hosting a keynote on October 27th where the company is expected to unveil a new MacBook Pro, MacBook Air and other new hardware.
We're still trying to decode Apple's invites for clues on what's to come, but you can get your iPhone, iPad and Mac ready for the big day with this collection of wallpapers based on Apple's invite.


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Red Sox Avoid Arbitration With Bogaerts, Bradley And 5 OthersShortstop Xander Bogaerts agreed to a $4.5 million salary and outfielder Jackie Bradley Jr. to $3.6 million as seven Boston players avoided arbitration by agreeing to one-year deals with the Red Sox.
Bogaerts, Betts, Ortiz Win AL Silver Slugger AwardsThe awards keep rolling in for the Red Sox, as a trio of players took home AL Silver Slugger Awards on Thursday night.
Bogaerts, Betts Leading The Way For Red SoxXander Bogaerts hit a two-run homer and drove in three runs, Mookie Betts had the tying single as the Red Sox beat the Yankees Saturday for their third straight win.
Red Sox Beat Yankees For Third Straight WinThe Boston Red Sox bailed David Price out of a shaky start and pulled out a 6-5 victory over the New York Yankees on Saturday.
David Ortiz Sits As Red Sox Wrap Up Road Trip Vs. RaysOne night after becoming the oldest player to hit 30 homers in a season, David Ortiz will get the day off.
Pedroia Moves To Leadoff, Betts Slides To Third For Red Sox Vs. YankeesManager John Farrell is making some changes atop the Red Sox lineup.
Benintendi On Debut: 'A Dream Come True'Andrew Benintendi was supposed to spend his first day in the big leagues soaking up as much as he could. Instead, he ended up getting a pair of important at-bats.
PHOTOS: Red Sox At The 2016 All-Star GameCheck out some photos of the representatives of the Red Sox at the 2016 All-Star Game.
10 Big Questions For Red Sox In 2nd HalfHere's what the Red Sox will need to figure out in the second half of the season.
All-Star Lineups: Ortiz, Bogaerts Batting 4-5 For American LeagueThe Boston Red Sox will have a prominent presence as the American League looks to claim home field advantage in the World Series at this year's MLB All-Star game in San Diego.
Red Sox Report Card: A's Aplenty, Though Roster Not Without Weak SpotsAn examination of each spot on the diamond, as well as in the dugout and the front office, to see how the Red Sox got to where they are at the All-Star break.
Red Sox Call Up Infielder Mike Miller, Send William Cuevas To Pawtucket The Boston Red Sox have made a move ahead of their three-game series in Tampa, calling up infielder Mike Miller for his first major league stint on Monday.


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Memorial Candle Tribute From
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Obituary for Jeannette Luerkens
Jeannette Ernestine Lane Luerkens, 83, of Marion, Iowa, formerly of Dubuque, was carried home to her Heavenly Father on Monday, July 16, 2012.
A Mass of Christian Burial will be held Friday, July 20, 2012 at 9:30 AM at St. Joseph Catholic Church in Marion. Family will greet friends Thursday July 19, 2012 from 4:00 PM to 7:00 PM at Murdoch Funeral Home & Cremation Center in Marion.
Jeannette was born on March 24, 1929, in South English, Iowa, the daughter of Ernest and Marjorie Adams Lane. She attended school in South English. For 2 years, she lived with the Good Shepard Sisters in Dubuque. On March 19, 1945, Jeannette married William "Bill" Luerkens in Cedar Rapids. God blessed their union with 12 children.
Jeannette had a varied career. She was a loving day care provider, a waitress at The Ranch Supper Club and drove Taxicab for Yellow Cab, all in the Cedar Rapids area. Jeannette and Bill owned and operated the A-OK Yellow Cab Company in Dubuque from 1972 to 1989 and the Gingerbread House from 1989 to 1993. They moved back to Marion in 1993 to be closer to their children.
She is survived by her children: Richard & Bonnie Luerkens, Christine Youngmon & Gary Pantenburg, Brenda Holcomb, David & Koreen Luerkens, Cameron & Debbie Luerkens, Rita & Wayne Reif, Michelle "Mitzi" & Brad Nielson, Natalie McFarlane, Greg & Diane Luerkens, Marilyn & Doug DeVries, Alicia Luerkens; 27 grandchildren; 26 great grandchildren; 1 great-great grandson; sister Evelyne Barger; sister-in-law Jan Lane.
She was preceded in death by her parents; her husband William; infant daughter Andrea; brother Richard "Dick" Lane; son-in-law John McFarlane.
In lieu of flowers, memorials may be directed to the family.
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Golf is a game of inches.
Today, no one knows that better than Nicolas Colsaerts.
Colsaerts, known as "The Belgian Bomber" for his massive drives, fired the 17th score of 60 (11 under) in the European Tour's history on Thursday in the first round of the Portugal Masters.
He was "thisclose" to the European Tour's first ever score of 59.
Click here to see Colsaerts 18-foot birdie try on the final hole just miss the cup.
That was close, no doubt. But not nearly as cruel as what happened to Phil Mickelson with his putt for 59 at the 2013 Waste Management Open. Remember this putt?
Back to Colsaerts and his flawless scorecard. With four, front-nine birdies, Colsaerts went out in 31. The back nine was extra special, as Colsaerts shot a 7-under 29, which included three consecutive birdies beginning on No. 10 followed by eagles on the par-4 15th hole and par-5 17th hole.
Last December at the Nelson Mandela Championship in South Africa, Jorge Campillo and Colin Nel both recorded 59s, but they were deemed "unofficial" because they were playing lift, clean and place.


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MARY KATE'S COTTAGE, three double bedrooms, multi-fuel stove, close to beach in Narin, Ref 14388
From $318 / week
Description from the manager
Description from the manager
Bedrooms: 3/
Bathrooms: 1/
Sleeps: 6/
Type: House
Book this 3 bedroom, 1 bathroom house in Narin today! A total of 6 people can sleep here comfortably.
Guests can enjoy a dishwasher among other amenities offered by this rental.
Travelers are sharing their opinions on this property. It has an overall rating of 5/5 thanks to an average of 4 reviews.
Costs vary, with the average weekly rate as low as $255.00 to as high as $669.00, depending on travel dates.
The owner responds to 100% of inquiries and last updated the property's calendar today.
About the manager
About the manager
Sykes Cottages
Sykes Cottages
- Response rate: 100%
- Response time: A few hours
- Calendar updated: today
Overall rating:
4.7 / 5.0
Proximity to TripAdvisor's Top Narin Attractions
Proximity to TripAdvisor's Top Narin Attractions
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Actuate Acquires Nimble
Actuate adds integration technology with Nimble acquisition.Actuate Corp., rumored to be a takeover target in the consolidating business intelligence space, announced an acquisition of its own Tuesday, picking up data integration software developer Nimble Technology Inc. Terms of the acquisition were not disclosed. Nimble was founded in 1999 following a 5-year research project in the Department of Computer Science and Engineering at the University of Washington. Nimble, based in Seattle, develops an XML-based data integration platform that utilizes XQuery to simplify data integration when building Web services and business intelligence applications.
Actuate officials said the Nimble technology would make it easier for Actuates enterprise reporting customers to design information applications that provide an integrated view of their business, while making it easier for Actuates Information Application Platform to integrate with a broad range of XML-enabled systems, officials said.
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Pro Performance® 100% Whey Protein- Chocolate Supreme
by GNC - Protein Powder
Write Review
About Us
- 24g of Ultra-Microfiltered Whey Protein*
- Supports Muscle Recovery and Growth*
- Gluten-Free and Great-Tasting Formula
Pro Performance® 100% Whey Protein delivers an ultra-high quality macronutrient protein formula with high amounts of naturally occurring amino acids the body needs every day. Whey protein is essential in any nutrition regimen, regardless of age or activity, providing a catalyst to the body for protein synthesis and muscle growth. Far superior to other protein supplements, this advanced formula will provide your body with pure, clean, high-quality protein you need to fuel muscle while maximizing recovery. Don't take chances with your results-get GNC Pro Performance® 100% Whey Protein and feed your body what it needs.
When GNC's team of research scientists looked to improve this 100% Whey Protein formula, they knew the answer was "more," specifically through a higher protein formula to enhance nitrogen retention. Your muscles can only grow when your body retains enough nitrogen. And one of the most effective sources of nitrogen for fueling lean muscle mass is whey protein. The specially manufactured, ultra-microfiltered whey protein found in this formula delivers naturally-occurring anabolic amino acids into your bloodstream. This spike in aminos provides nitrogen and subsequently creates a nitrogen-rich environment needed for maximum muscle mass. The nitrogen factor of this product is 24.
GNC Pro Performance® 100% Whey Protein is also tested for banned substances,* providing peace of mind in the highest quality formulation. Our researchers created a superior whey protein formula that not only delivers rapid muscle fueling results, but every flavor has a satisfying , delicious, mouth watering taste profile. Each serving mixes up instantly with a blender, shaker, or a spoon – it's that smooth and it couldn't be easier. This GNC Pro Performance® 100% Whey Protein is our best whey protein formula ever.
Latest Reviews See all 37 reviewsBand to DS on July 23, 2008
I tasted the chocolate version of GNC 100% Whey Protein and I liked it a lot. It mixed well with milk and had a nice chocolate flavor. It didn't have a thick texture, which is important to me. The level of sweetness was just More...Mike0918 on July 15, 2008
GNC will accept returns if you try it and hate the product (but you only of you took one or two tries - don't return half empty) Best tasting that I have had with skim milklisaweisenbach on March 9, 2008
I purchased a small bag of this protein powder to see how it would taste, etc. I was pleasantly surprised. 21 g protein per scoop, unflavored. It mixes really easily in whatever I have tried. It's a great way to get extra protein in More...


text:
Baron baptiste
Jelajahi topik terkait
Here's what I'm reading right now...Being of Power: The 9 Practices to Ignite an Empowered Life by Baron Baptiste
Hip Flexor and Psoas Exercises | 32 Min Standing Hip Openers
Baptiste Power Vinyasa Yoga
Baron Baptiste's Playlist | Yoga Journal
Enjoy this free 10 minute guided Meditation on Vitality from Baron Baptiste. Use it whenever you need to reconnect to your own inner vitality, or in conjunction with your daily meditation in your 40 Days to Personal Revolution program.
The pose beings when you want to get out of it! Come to Clarkston Hot Yoga in Clarkston, MI for all of your Yoga and fitness needs! Feel free to call (248) 620-7101 or visit our website www.clarkstonhotyoga.com for more information about the classes we offer!
Baptiste 40 Days To Personal Revolution Program: Week One 20 Minute Yoga Practice
Equanimity - Yoga 40 Days to a Personal Revolution by Baron Baptiste. Review of week 3 on the blog! fitting-it-all-in.com
youtube has all 3 levels. baron baptiste looks so young here! Baron Baptiste's Hot Yoga The Power Yoga Method Level 1
Perfectly Imperfect: The Art and Soul of Yoga Practice


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Sumaya Stables' Malagacy Romps at Gulfstream
The 3-year-old Shackleford colt scored by 15 lengths under Javier Castellano over a muddy track.
The 3-year-old Shackleford colt scored by 15 lengths under Javier Castellano over a muddy track.
Using 2016 sales to find mid-market opportunity
Dialed In and Shackleford set at $15,000.
A colt from the first crop of grade I winner Justin Phillip topped the Equine Sales Company's open yearling and mixed sale Oct. 16 in Opelousas, La. A total of 114 head sold from 181 offered for $305,000 in gross receipts
In order to give some insight into what buyers might expect from how the freshmen sires of 2016 are doing, we've come up with some statistical compilations to project where they might be long-term.
Fillies by Silent Name and Justin Phillip shared top price of CAN$95,000 ($72,485) during the Sept. 1 Canadian Thoroughbred Horse Society Ontario Division Canadian preferred yearling sale.
The Haskell Invitational, Alfred G. Vanderbilt Handicap, Nassau, Clement L. Hirsch, Bing Crosby, Jim Dandy, Bowling Green Handicap, Amsterdam, Monmouth Cup, Shuvee Handicap, Oceanport, Royal North, Molly Pitcher and more.
Green Lantern Stables' homebred A. P. Indian continued his upward trajectory July 30 with a game victory in the $350,000 Alfred G. Vanderbilt Handicap (gr. I) at Saratoga Race Course.
J. Keeler Johnson handicaps the Alfred G. Vanderbilt Handicap (gr. I) and the Jim Dandy Stakes (gr. II) at Saratoga.
Presque Isle Downs juvenile victor Jay Wow became the first winner for Darby Dan Farm sire Jersey Town July 6.
Colt won a 4 1/2-furlong maiden special weight at Gulfstream Park by a nose May 27.
With steady rain falling, the under tack show for the Fasig-Tipton Midlantic 2-year-olds in training sale began May 17, with two juveniles sharing the top eighth of a mile workout time of :10 and four equaling the best quarter-mile time of :21 3/5.
Thirstforlife to make first start in Churchill Downs stakes.
Topped by an Into Mischief colt bought by Spendthrift Farm for $335,000, the Ocala Breeders' Sales Co.'s April sale of 2-year-olds in training began on a strong note April 19, with across-the-board increases in gross, average, and median prices.
During the April 14 under tack session for the Ocala Breeders' Sales Co's spring 2-year-olds in training sale, a son of Shackleford breezed a quarter-mile in :20 2/5, the fastest at the distance so far during the first four of six workout sessions.
Workouts for next week's Ocala Breeders' Sales Company's April spring sale of 2-year-olds in training continued April 12, with three horses equaling the fastest breeze time for an eighth of a mile.
Three Into Mischief fillies and offspring of four freshmen sires were among 14 horses that shared the fastest eighth of a mile workout time of :09 4/5 during the March 9 first of three under tack workout sessions.
Joe and Helen Barbazon's Pleasant Acres will inaugurate its new stallion facility in Morriston, Fla., with a ribbon-cutting ceremony and gala from 6-10 p.m. (ET) Jan. 16.
A new partnership called Darby Dan Farm Racing resurrected the famous Darby Dan silks for a colt named Manitoulin, a son of Soaring Softly, who finished fifth in his maiden special weight debut Nov. 22.
The Iowa Thoroughbred Breeders and Owners Association is conducting an online auction of seasons to more than 180 stallions from 16 states.
Freud, this year's second-leading sire in New York who topped the list in 2014, will stand for $10,000 in 2016 at Sequel Stallions New York near Hudson.
Castleton Lyons has announced the 2016 stud fees for its two stallions, Gio Ponti ($12,500) and Justin Phillip ($5,000).
Darby Dan Farm's schedule of 2016 fees is unchanged from 2015 apart from new additions Tapiture ($7,500) and Sky Kingdom ($5,000).
The colt is out of graded stakes winner Afleeting Lady, a half sister to classic winner Shackleford and grade I winner Lady Joanne.
Barretts Sales, having conducted paddock auctions of horses of racing age during the Del Mar race meeting the past four years, is inaugurating a select yearling sale this season. It will be held Aug. 15.
|Breeder / Owner
|Kiaran P. McLaughlin
|Hamazing Destiny
|D. Wayne Lukas
|Jersey Town
|Barclay Tagg
|Justin Phillip
|Steven M. Asmussen
|Poseidon's Warrior
|Robert E. Reid, Jr.
|Steven M. Asmussen
|Dale L. Romans
|Sloane Ranger
|Martin E. Ciresa
|Downthedustyroad Breeders' S.
|Busher S.
|Colonel Power Overnight S.
|Daisy Devine S.
|Mineshaft H. (G3)


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Jurgen Schrempp, the Daimler chairman, said he backed the creation of joint companies in specific sectors such as missiles and fighter aircraft. But he was dubious of the idea of forming a holding company to oversee the consolidation. "I want operating companies. I have problems with holding companies," he told a conference in London where Daimler was announcing first-half results.
Daimler is a partner of BAe on the Airbus civil aircraft programme and the Eurofighter project and at one stage discussed the idea of cross-shareholdings to create a united European defence and aerospace business. Mr Schrempp said it was even more vital now that Europe's defence industry consolidated following the merger of Boeing and McDonnell Douglas in the US.
The Daimler chairman said that without consolidation Europe's defence and aerospace industry would have "no chance against the Americans".
Daimler announced that first-half operating profits had more than doubled from DM800m (pounds 265m) to DM1.8bn.
- More about:
- Boeing Company
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Compliance Top Concern for Servicing Executives
The list of mortgage servicer worries during this crisis is long and growing but at the same time affected to a large extent by specific needs deriving from size � probably with only one exception: compliance.It is old news that one of the biggest challenges for servicers today is regulatory pressure. It comes from the Home Affordable Modification Program as much as from other programs currently in high demand.A new survey from document and services provider Nationwide Title Clearing, Palm Harbor, Fla., confirms what the industry has been saying in conferences and to the media: Over half of the survey participants say regulatory compliance is their top worry.The industry survey � available at no cost on the company�s website � reveals key characteristics of large and small mortgage servicing industry companies and its management. It was conducted earlier this year �to provide a better view into the lien release processes servicers are employing to deal with the volatility in the marketplace during a time when mortgage assets are changing hands frequently� either due to foreclosures and refinancing, Nationwide Title Clearing said.According to NTC senior vice president for marketing and sales, Jeremy Pomerantz, �servicers are under a great deal of pressure right now.� And in part higher than ever costs of noncompliance are to blame.�The regulatory environment has become so complicated,� he says, that it is becoming �very difficult for servicers to get everything right.�More specifically, the �Effective Lien Release Management� reports that of the many tasks a mortgage loan servicer must complete in the course of the workday, �perhaps lien release management offers the fewest tangible rewards for the effort.�Executives tend to always stay focused on the core, revenue-generating portions of their businesses, the report notes. �Unfortunately, lien release management is among the tasks that does not contribute directly to bottom line success.� Furthermore, while it is not a profit generator, �if improperly handled, can lead to significant costs.�In times when the industry is becoming more borrower oriented, including national measures by regulators and legislators to assist borrowers in distress, this aspect of the mortgage servicing market gains even more importance. Plus, every county in the nation has its own set of rules, required document types and processes.Today�s successful servicer is expected to distinguish itself in the marketplace in the ability to smoothly conduct consumer relations.While it is not a profit center for the servicer, failure to perform in this area can lead to significant dissatisfaction on the part of borrowers. herefore, most companies hope to complete this work in a timely manner to avoid or keep penalties for noncompliance at the lowest possible cost.The e-survey asked: In today's marketplace, which of these issues do you think are the most serious to the mortgage lender/servicer regarding managing the lien release process?The No. 1 concern for 51.6% of the respondents was risks associated with compliance; for 38.7%, the ability to handle a volume spike; for 35.5%, unpredictability of lien release volume; for 32.3%, disaster recovery/business; for 22.6%, training/managing staff; and for 13%, fraud protection.Over half of the NTC survey respondents indicate they are �very concerned� with the risks associated with noncompliance, and with good reason, the report notes.For example, in Pennsylvania, assessed noncompliance penalty cases could reach the amount of the unpaid mortgage, costing the servicer hundreds of thousands of dollars. Even though penalties this severe are not the norm in most jurisdictions, which as a rule have penalties ranging from $500 to $25,000 per occurrence, these types of fees �can destroy a company if applied to an entire pool of loans of average loan balance.�Overall the combined effect of the magnitude of the crisis associated with the ever-growing default and foreclosure rates make it quite easy to imagine the monetary pressure servicers face here.Arguably, an immediate solution can be third-party outsourcing.Loan servicing vendors represent one effective way to outsource since it represents specialized expertise. The challenge is in tracking the right partner and establishing the right relationship.


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when applying to a position should one be concerned that there are multiple openings are various levels in the department? does that typically mean that they cleaned house? is cleaning house like that common?
when applying to a position should one be concerned that there are multiple openings are various levels in the department? does that typically mean that they cleaned house? is cleaning house like that common?
In the end, we will remember not the words of our enemies, but the silence of our friends. -Martin Luther King Jr.
Not necessarily. Agencies like people go through changes. Sometimes they happen in bunches, sometimes they happen in smaller increments. I think the situation generates some good questions that can be asked as to why there are so many opening. There may be a multitude of reasons. Of course, the hiring manager may be a blubbering mean spirited idiot and it will be difficult to see if that is the case in the interview.
Good luck!
Satellite City Enabler
what about multiple job listing across the state for the same job!!
city manager
village manager
there are about 20 vacancies in michigan right now for city managers!
When I see multiple listings at some agency I also worry that maybe there is an awful boss or awful governing body, and everybody was eager to leave. But, on the other hand, sometimes it is just a result of restructuring. Maybe they decided all at once, after months of meetings, etc, that they need to break the department up in a certain way and add more heads. I hate that you don't know which one to apply for, cause you may be qualified for more than one. And you can't really say "if I don't get job A, would you consider me for job B?" although sometimes they make the decision to do that on their own.
If it gets to interview stage, when they ask you if you have any questions, I would certainly ask why there are so many openings all at once.
Back in the good 'ol days of JobMart magazine, what struck me was seeing ads for the same agency -- not a big city planning department, but just regular mid-sized and small cities and counties -- appear on a regular basis, over and over and over again. That, more so than the simultaneous multiple listings, seems to raise a red flag with me.
I would be a bit concerned about applying for a position with a small planing agency where there's several vacancies being advertised at once, including the planning director. A lot of institutional knowledge just went "poof!", and it'll be a challenge for the newbies to get the department running smoothly again.
All these years the people said hes actin like a kid.
He did not know he could not fly, so he did.
- - Guy Clark, "The Cape"
Along the lines of Dan's thread.....
No matter whether I'm looking for work, or doing research on what others pay......this place above all others ALWAYS has numerous planning jobs, management and director positions open....ALWAYS......today is no exception....
What is a 5yr Overhire anyway????
The way of acquiescence leads to moral and spiritual suicide. The way of violence leads to bitterness in the survivors and brutality in the destroyers. But, the way of non-violence leads to redemption and the creation of the beloved community.
Dr. Martin Luther King, Jr.
- See more at: http://www.thekingcenter.org/king-ph....r7W02j3S.dpuf
There are places in Va that have...well they have issues. Nope this is not where I work but have interviewed there and have friends who have worked there.
There are several jurisdictions like that around here unfortunately.
My rule of thumb is if you see a job open for a long time somewhere or constantly many jobs open there is a reason. See if you can find folks in the area and contact them about the place.
"They who can give up essential liberty to obtain a little temporary safety, deserve neither liberty nor safety." Ben Franklin
Remember this motto to live by: "Life should NOT be a journey to the grave with the intention of arriving safely in an attractive well preserved body, but rather to skid in sideways, chocolate in one hand, martini in the other, body thoroughly used up, totally worn out and screaming 'WOO- HOO what a ride!'"
Union City
Gilbraltar City Admin, DDA
Ludington CCD
edited to add I know of two small cities that adv for planners and assist city mgrs, those positions were not filled, they just went away. there's a reason why...
sgb timely article, and its true I imagine about the exposure to on the street complaints and the pressure of politics etc... to be a city mgr one has to be special i guess
Last edited by Jen; 31 Jan 2007 at 8:34 PM.


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Written on: 22/04/2012 by Expat47 (2 reviews written)
I installed a trial version of one of their products and found out that they had also installed one other piece of software which invaded all three of my browsers, changed my settings in them, signed me out, and installed yet another extension on two of the browsers. The registry needed to be cleaned separately and, to be honest, I'm not sure, after an hour, that I've gotten everything off my computer. I can't speak to their software but, in my opinion, any company that pulls stunts like this… Read Full Review
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Go Rhino Bed Rails
- Regular Price: $127.20-210.10
- Our Price: $86.36- 142.64
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- Rating: (47)
- Protect your truck bed sides and add more tie-down possibilities with stylish Go Rhino Bed Rails
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- Available in Black Powder-Coat, Triple-Nickel Chrome, and Polished Stainless Steel finish
- 5 Year Warranty on Black and Chrome, Lifetime Warranty on Polished Stainless
Go Rhino Bed Rails are an affordable solution for adding both style and function to your truck bed. These steel bed rails are custom-made for a perfect fit on your exact pickup truck. Go Rhino Truck Bed Rails also come in three different finishes to match your stock or aftermarket trim pieces.
Your custom-made Go Rhino Bed Rails install easily in your stake pockets - no drilling required! Foam gaskets are included to prevent metal-to-metal contact between the bars and your truck, minimizing the risk of corrosion and scratches. They're available in subtle Black Powder-Coat, shiny Triple Nickel Chrome Plated, or mirror-like Polished Stainless Steel finishes.
Go Rhino Bed Rails come backed with a 5-Year Warranty on Black and Chrome, and a Lifetime Warranty on Polished Stainless Steel models.
Go Rhino Bed Rails Customer Reviews
Overall Rating:4.8 of 5
Average Install Time: Under 30 minutes
Showing 10 of 47 reviews. See All Reviews.
Looks good easy to install so far performs as advertised.
Install Time: Under 30 minutes
Very pleased with rails and added to my 67 100 pickup.
Install Time: 30-60 minutes
Nice looking and good quality.
Install Time: Under 30 minutes
A+ in my book!
Install Time: Under 30 minutes
The rails look great on my 2011 Silverado. They were easy to install in under 30 minutes and give the truck a great look.
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Very easy to install. Do not over tighten because the plates will bend.
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Was a little skeptical because they were cheaper priced than what I had seen other places. Went ahead and ordered them, the shipping was fast, and free, the pieces were a good quality product, all installation hardware was there and packaged nicely. They installed in a matter of minutes, and look way better than the old ones.
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I love the rails. The black goes great with my truck. Great product.
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The rails arrived on time and were well packaged. They fit perfectly and look good on the truck. I only gave 4 stars for quality because both plates at the end of one rail were bent and I had to straighten them before installing the rail. I would recommend this rail to anyone who is interested in adding rails to their truck.
Install Time: 1-2 hours
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This review is from: CM Storm Devastator - LED Gaming Keyboard and Mouse Combo Bundle (Blue Edition)
Pros: Easy on the eyes. Sturdy build.
Cons: As many have stated, the keyboard is nearly impossible to read without the LED lights on, but that's not an issue.
The mouse LED lights stay on even when the computer is off, which could be annoying if the unit is where you sleep. Mine is in a separate room, so no problem.
This review is from: LG Black 12X BD-ROM 16X DVD-ROM 48X CD-ROM SATA Internal Blu-ray Disc Drive Model UH12NS30
Pros: Super easy installation. Plays my discs like a charm.
Cons: You need the software to play blu-rays. Doesn't come with any cables. I knew that going in, so it doesn't really diminish the quality.
Other Thoughts: Would probably spring for something that can read discs out of the box next time.READ FULL REVIEW
This review is from: Rosewill CHALLENGER - Black Gaming ATX Mid Tower Computer Case - Three Included Fans - 1 x Front Blue LED 120mm Fan, 1 x Top 140mm Fan, 1 x Rear 120mm Fan - Two More Optional Side 120mm Fans Supported
Pros: Huge, more than enough room for cables.
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Single Shape Earrings Gray
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The 70's are all the rage, and these earrings are singing a flower child tune. Black diamond cut crystals lightly sprinkled over glossy gray enamel is an artful recipe for carefree luxury with a vintage sensibility.
* Please note: This item is a final sale and returns or exchanges will not be accepted.
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text: Bossip: What's Going Schlong: Don Johnson Admits His Johnson Isn't That Big Of A Deal But Reveals Whose Is Info Post durga dherange 6:51 AM No Comment Bossip Henny Without Any Coke! What's Going Schlong: Don Johnson Admits His Johnson Isn't That Big Of A Deal But Reveals Whose Is Jan 4th 2013, 14:51 SMH @ the pause-worthy moment when the Miami Vice star reveals who actually did put the Johnson in Johnson! Via Page Six: Don Johnson admits he is not the well-endowed male that put the "Johnson in Johnson." While former flame Pamela De Barres wrote about Don's physical prowess in her 1987 book, "I'm With the Band," the "Miami Vice" and "Django Unchained" star told Rolling Stone: "Look, I've seen guys with a lot bigger than me. One time, I was in the Celtics locker room talking to Larry Bird and Kevin McHale . . . and there's Dennis Johnson coming out of the showers and, dude, that's who put the Johnson in Johnson. I mean, it must have shown on my face, because when I turned back to Larry, he looked at me and said, 'I know, huh?' and I was like, 'Dude, that's a weapon.' " Pure comedy. So um, where do we find this Dennis Johnson character? WENN Media files: The Premiere of 'Django Unchained' held at the Ziegfeld Theatre thatsmybiz1 The Premiere of 'Django Unchained' held at the Ziegfeld Theatre You are receiving this email because you subscribed to this feed at blogtrottr.com. If you no longer wish to receive these emails, you can unsubscribe from this feed, or manage all your subscriptions Posted by durga dherange at 6:51 AM Email ThisBlogThis!Share to TwitterShare to Facebook Share: Facebook Twitter Google+ StumbleUpon Digg Delicious LinkedIn Reddit Technorati


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Bravo Audio V2: Well Performing & Economical Tube Amp
Pros: Clear Sonic Presentation, Rolling Capability, Driving Power, Value
Cons: Heat Emission, Open Case
Me: I am a 21 year old student living in a small town in India. I would like to call myself a music enthusiast, rather than an audiophile. I was inspired by music since childhood, and as the time passed, the passion of music grew in me, and that subsequently led me to join Head-Fi. Eventually, I found the pleasure of listening to music mainly by the HD600 and recently, by the seductive LCD2 headphones, and realized the true components of recorded music. I usually like to listen to Indian Classical Music along with Bollywood songs. My main listening genres include classical, vocal, instrumental, jazz and sometimes pop. With time, my sonic preferences have very much grown. I avidly admire transparency, accuracy along with neutrality, and currently my favorite headphones are K702, HD800 & K812, which I mainly run from my trusty M-Stage HPA-2.
Intro: Bravo Audio is a popular Chinese brand specializing in the area of tube headphone amplifiers in economical price. Bravo was established in 2010. Even though a relatively newer establishment in the field, Bravo managed to capture attention of the world by their amp offerings which had attractive price tag & appreciable performance. Back in 2010, tube/hybrid amps would be expensive, and out of reach of a humble Enthusiast. Bravo made well performing hybrid amps in an affordable price. Bravo was the one who made hybrid amps in sub 100$ category. This made them a well known name across the Audiophile World.
All of Bravo's amps are hybrids, and are driven by Mosfet's, and are pure class A. This ensures in mammoth output power, appreciable clear sound quality, but heat dissipation is high, and the amp physically gets hot even to touch comfortably. Bravo has been famous since its release of V1 (6922) & V2 (12AU7) amps, which were budget friendly, yet performing, which won ears of many enthusiasts. The V2 employs Shuguang 12AU7 tube. Both V1 & V2 are very similar in design, features & functions.
Specifications of V2:
Input Power: DC 24V 1.5A
Input Sensitivity: 100mV
Input Impedance: 100KOhm
Headphone Impedance: 20~600 Ohm
Frequency response: 10Hz-60 KHz +/- 0.25dB
Signal/Noise Ratio : >90dB Gain: 30dB
THD: 0.016% (300 ohm) 0.45% (33 ohm)
Let us see what the V2 amp has got for us,
Packaging and Accessories: The V2 amp arrives packed inside a general cardboard box, packed inside a removable foam packing. Packaging is generic, but nothing to complain about. But all the included accessories have a good quality and feel to them.
List of accessories in the box, which include the following:
Power Adapter: AC to DC 24V 1.5A power adapter EU/US/AU/UK is supplied as per specifications.
¼" Converter: A 1/8" to ¼" converter for headphones with 3.5mm Jack.
Design and Build: The V2 has a very good overall build quality. Though it is enclosed in open acrylic sheets to save manufacturing costs, it gives out funky DIY looks. The V1 looks much different& funky, and stands out from the crowd. Even then, the open case is of good quality transparent fibre & metal supporting beams. The transparent sheets make us gaze through it and onto the well soldered circuit board. The V2 is fairly small in size The V1 is light in weight, & weights under 250 grams.
At the front we have volume knob, ¼" headphone output socket & a 3.5mm input socket. At the rear side of V2, we can observe the presence of power socket & on/off toggle switch. Volume knob rotation is smooth and knob has just the right size for fingers. ¼" jack is also a very sturdy, but is slightly tight. The ¼" socket employs clip mechanism, which may cause scratches/damage on the headphone jack. Power switch has a good switching feel and strength, and is very precise in its job.
Internals quality is certainly good. The V2 amp has no manual wirings; everything is fixed on the PCB. Soldering & joints are very well done. Volume pot is well known Alps branded, which a plus for both volume control & audio quality. Please do note that the Mosfets run very hot, be sure not to touch anywhere near them, otherwise burn injuries are guaranteed!
Since the V2 amp follows Tube/Mosfet Hybrid design, there is a 9 pin vacuum tube socket present, in which we may roll any compatible 12AU7 family tubes. The default one is 12AU7 from a Chinese brand called Shuguang, & does a great job in sound quality. There is a blue LED below the socket, which gives out a glow effect to the tube.
I observe a drawback in the power supply, it is not earthed. I am at a loss of understanding why Bravo did not include a third earthing pin or ground to make the amp safe. Since it is a DC supply, few ripples will be present in the final output. These either cause light electrocution/sock or audibly raise noise floor of the amp. All Bravo amps use the same 24V 1.5A power brick, and are not grounded o earthed. So if you happen to find a better quality laptop power supply within this specification, then it is a plug in replacement or upgrade.
Sound: The V2 amp delivers 'Clear' sound as a typical entry level tube amp and goes in the line of Bravo's ocean amp. Presentation is in such a way that, mids are little more intimate, with lows & highs sound tad more relaxed and laid back.
Burn in: I could not notice any major improvement by burn in. But let's say a playback of about 20 hours provides few minor audible improvements, Bass prior to break-in is quite muddy & loose, and eventually it becomes a little more accurate and clean, Mids will sound more open & slightly forward, airy and natural. Highs become slightly smoother; soundstage will open up by a margin.
Tube rolling: One can roll enormous number of 9 pin 12AU7 or equivalents. After much testing a few tubes from different, I could conclude, the stock 12AU7 is indeed very good at its job, is optimal for the existing circuit parameters. But tubes like Mullard or RCA brands also do provide a more pleasing sound. Replacement of stock tube is not absolutely necessary.
The gain is fixed at 30dB, which is on higher side and is certainly not recommended for IEM's. This amp is extremely powerful and can drive any dynamic magnetic cans to insane loudness with just 40% of the volume used, which is at 11 o'clock. Anything above 12 o'clock is unbearably loud.
Lows: are fairly accurate, are slightly on 'looser' side; but have a good impact. Depth is decent.
Mids: Forward & intimate, are smooth and feel natural.
Highs: Spacious, but not detailed.
Soundstage: decently airy & spacious. For anyone who is looking for a good soundstage definition in entry level tube amp, V2 is a satisfactory performer. But one should not expect sonic qualities like detail retrieval, accuracy or good imaging from this amp, owing to its economic cost & the V2 is one of the cheapest available tube amp today.
Overall, final sound deliverance is decently satisfactory for an entry level tube amp.
Comparison: Bravo's own V1 amp can be compared with V2, owing their vastly similar design & functions. Also, the price different is mere 10$.
Bravo V1: Same functions, features & design, and sonically is slightly inferior by sound. The V2 is more neutral, provides a much cleaner sound output with good soundstage definitions, when compared to the V1. The added bonus here is The V2 costs 10$ less than V1.
Verdict: The V2 edges out the V1 with overall better finer accuracy & neutrality in sound, finer power distribution.
Conclusion: Sonically, Bravo's V2 amp performed well & has pleased me for a tube amp available around 70$. The V2 is a good performer owing to its 12AU7 architecture. This would a friendly amp for any enthusiast looking for a decent low cost tube amp.
1) Build Quality: even though it is open by case, the V2 has a very good interior build. No compromise to be seen anywhere in exterior too. Circuitry is also neat & well built.
2) Rolling Capability: Enthusiasts can roll great number of tubes to alter the final sonic signature.
3) Driving Power: The V2 amp has a sheer output power. It definitely can comfortably drive any set of high impedance cans.
4) Sound Quality: Is satisfactory considering its price, & performs upto expectations.
4) Value: Considering the above points, the V2 amp will have a solid price/performance ratio. There is no such tube amp which can perform better than Bravo V2 under 70$.
1) Heat emission: Actually not really a con, it is quite normal for a hybrid mosfet driven amp. But during operation, the V2 amp gets very hot; it becomes very difficult for a user to touch the surface of amp more than 2 seconds. The mosfet heatsinks, which are exposed & are very hot.
2) Power Supply: The default power supply is not grounded, hence a fair change of light electrocution and audibly higher noise floor. Thus one needs to earth it by connecting the input cable to a grounded source (like PC, which will be earthed)


text:
|♦ product name
[Nixon watch]
|♦ product introduction
[Please note! 】
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[Main specifications]
-Case: stainless steel
-Glass: hard mineral crystal glass
-Band material: nylon
-Case material: stainless steel
-Water resistant 100 M
And-Nixon (Nixon)-
Nixon's watch company expected people's sport of surf, skate, snow, based in Encinitas, California, between "lifestyle watch" started Andy Latts (Andy) and Chad Dinenna (Chad) on the subject. ' In the fall of 1998, in the Board shop in more than 10 countries start selling en masse.
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It's Monday morning, a day before the tourament is to occur, and of all the people, Holly was the one hopping around with glee.
"Oh wow, 100,000 yen, Shu you should go to the tournament," yelped Holly with joy.
Shu, obviously not shocked replied, "wait, what? Are you insane? Why would you want me to join some death match?"
"No, i'm not crazy, I just want that 100,000 yen. Do you understand how muh money that is," moaned Holly.
Shu, of course, knew exactly how much money that was. But still, he did not want to join such a revolting tournament. Every year, when it occured, people on each team died. No matter who the fighter was, if he didn't kill the opponent, Tonu was bound to. Even though he did not want to attend, he had a feeling that he was going to lose this quarrel.
Tonu was the owner of the game and his rule was quite simple: kill or be killed.
"Look Holly, I do not want to join the tournament, end of story," roared Shu.
"But Shu, if we win we will get 100,000 yen. . . that's so much money, that we could by a brand new home," pleaded Holly.
Shu and Holly incessantly argued about if they should go to the competition or not.Shu knew all of Tonu's tournaments meant he had to, if not, almost kill his opponent.
"Holly, you do know how dreadful Tonu's tournament's are, right?" Asked Shu, aggravated.
"Well, no, but still. . . 100,000 yen, we have to do it," whispered Holly, trying to nudge Shu into going.
Annoyed, Shu thought about it. What if I just knocked out the opponent? He squirmed really not wanting to go to the tournament. What if I actually did kill the opponent? What if he had to kill to win? He felt chills going down his spine from the mere thought of killing another person. In the end though, he chose to give it a shot.
"Okay Holly, I'll join the tournament, but you must promise me that you'll not go to there no matter what," proposed Shu, knowing she wouldn't be able to decline.
Holly yelped, really wanting to go to the match. She paced back and forth non-stop, trying to think of a way around it. In the end, she couldn't think of zilch. "Fine, I'll not go, so please win," agreed Holly, mumbling away.
Shu nodded in agreement, and turned to walk off. He stopped at the door and looked at the couch to the far left. "Come on Joe, your coming with me," hollered Shu.
With a nod, I got up, stretched, and left with Shu to the tournament.
© Copyright 2017 Matthew Brazwell. All rights reserved.
Status: Finished
Genre: Fantasy
Book / Horror
Book / Action and Adventure
Short Story / Fantasy
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All Topics » Tax Policy and Administration » Taxpayers » Income taxes
Income taxes (1 - 10 of 239 items) in Custom Date Range
Refundable Tax Credits: Comprehensive Compliance Strategy and Expanded Use of Data Could Strengthen IRS's Efforts to Address Noncompliance
GAO-16-475: Published: May 27, 2016. Publicly Released: Jun 27, 2016.
The Earned Income Tax Credit (EITC), the Additional Child Tax Credit (ACTC), and the American Opportunity Tax Credit (AOTC) provide tax benefits to millions of taxpayers—many of whom are low-income—who are working, raising children, or pursuing higher education. These credits are refundable in that, in addition to offsetting tax liability, any excess credit over the tax liability is refunded t...
Corporate Income Tax: Most Large Profitable U.S. Corporations Paid Tax but Effective Tax Rates Differed Significantly from the Statutory Rate
GAO-16-363: Published: Mar 17, 2016. Publicly Released: Apr 13, 2016.
In each year from 2006 to 2012, at least two-thirds of all active corporations had no federal income tax liability. Larger corporations were more likely to owe tax. Among large corporations (generally those with at least $10 million in assets) less than half—42.3 percent—paid no federal income tax in 2012. Of those large corporations whose financial statements reported a profit, 19.5 percent p...
IRS Referral Programs: Opportunities Exist to Strengthen Controls and Increase Coordination across Overlapping Programs
GAO-16-155: Published: Feb 23, 2016. Publicly Released: Mar 24, 2016.
Information referrals from the public alleging tax noncompliance must be submitted on paper forms by mail to the Internal Revenue Service (IRS). These referrals are manually screened by clerical staff and routed by mail to units across IRS for further action, as shown in the figure.Process for Screening and Routing Information Referrals for Further ReviewIneffective internal controls undercut IRS...
IRS Examination Selection: Internal Controls for Exempt Organization Selection Should Be Strengthened
GAO-15-514: Published: Jul 13, 2015. Publicly Released: Jul 23, 2015.
The Exempt Organizations (EO) unit within the Tax Exempt and Government Entities (TE/GE) division at the Internal Revenue Service (IRS) reviews organizations' applications for tax-exempt status to determine whether to grant status and oversees existing exempt organizations' compliance with the tax code. To identify exempt organizations for possible examination, EO uses a variety of information sou...
Small Businesses: IRS Considers Taxpayer Burden in Tax Administration, but Needs a Plan to Evaluate the Use of Payment Card Information for Compliance Efforts
GAO-15-513: Published: Jun 30, 2015. Publicly Released: Jul 22, 2015.
According to estimates produced by government tax researchers using 2010 taxpayer data, small businesses (defined in the research as individuals or entities with substantive business activity but with less than $10 million in total income and deductions) make up 99 percent of all businesses. Approximately 69 percent of small businesses (about 16 million) are individual taxpayers who report busines...
Tax-Exempt Organizations: Better Compliance Indicators and Data, and More Collaboration with State Regulators Would Strengthen Oversight of Charitable Organizations
GAO-15-164: Published: Dec 17, 2014. Publicly Released: Dec 17, 2014.
Charitable organizations play a major role in our economy and provide critical services and resources to families and individuals in need. Although charitable organizations vary considerably in size and purpose, in 2011 the largest number of organizations was in the human services sector, providing services such as employment and housing assistance. The highest concentration of assets was in the h...
Large Partnerships: With Growing Number of Partnerships, IRS Needs to Improve Audit Efficiency
GAO-14-732: Published: Sep 18, 2014. Publicly Released: Sep 18, 2014.
The number of large partnerships has more than tripled to 10,099 from tax year 2002 to 2011. Almost two-thirds of large partnerships had more than 1,000 direct and indirect partners, had six or more tiers and/or self reported being in the finance and insurance sector, with many being investment funds.The Internal Revenue Service (IRS) audits few large partnerships. Most audits resulted in no chang...
Large Partnerships: Growing Population and Complexity Hinder Effective IRS Audits
GAO-14-746T: Published: Jul 22, 2014. Publicly Released: Jul 22, 2014.
Internal Revenue Service (IRS) data show, from tax years 2002 to 2011, the number of large partnerships more than tripled. According to IRS officials, many large partnerships are hedge funds or other investment funds where the investors are legally considered partners. Many others are large because they are tiered and include investment funds as indirect partners somewhere in a tiered structure. A...
IRS Correspondence Audits: Better Management Could Improve Tax Compliance and Reduce Taxpayer Burden
GAO-14-479: Published: Jun 5, 2014. Publicly Released: Jul 7, 2014.
The notices the Internal Revenue Service (IRS) sends during correspondence audits have misled taxpayers by providing unrealistic time frames on when IRS would respond to their correspondence. For example, notices stated that IRS would respond within 30 to 45 days when it has consistently taken several months to do so. Further, as of early 2014, IRS data show that it had not responded timely to mor...
Partnerships and S Corporations: IRS Needs to Improve Information to Address Tax Noncompliance
GAO-14-453: Published: May 14, 2014. Publicly Released: Jun 13, 2014.
The full extent of partnership and S corporation income misreporting is unknown. The Internal Revenue Service's (IRS) last study of S corporations, using 2003-2004 data, estimated that these entities annually misreported about 15 percent (an average of $55 billion for 2003 and 2004) of their income. IRS does not have a similar study for partnerships. Using IRS data and the study results, GAO deriv...


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The Scent Blocker S3 Boot Storage Bag is just what you need to store and transport your Scent Blocker boots. This bag features S3 antimicrobial technology to aid in odor control and will fit all Scent Blocker boots. The polyester fabric is durable and water resistant and the bag is shaped like boots for less bulk. Drawstring closure.
ScentBlocker S3 Boot Storage Bag Polyester Black
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You missed it This great deal for Spot Waterless Carwash is over. But don't despair, we've got more great deals every day.
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Spot Waterless Carwash
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In June 2012, the Board of Governors of the Federal Reserve System (the "Board"), the Office of the Comptroller of the Currency (OCC), and the Federal Deposit Insurance Corporation (FDIC) issued proposed regulations that would establish a newer, more comprehensive capital framework for U.S. banking organizations by implementing the Basel III capital regime, as modified by U.S. legal requirements mandated by Congress in the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.
Certain aspects of these rules met with strenuous objections from the banking industry. This was especially true with regard to application of Basel III standards to community banks. Furthermore, as recently as April of this year, legislation introduced with some fanfare by Senators Sherrod Brown (D-Ohio) and David Vitter (R-La.) calls into question the adequacy of Basel III as a response to the recent banking crisis, particularly as regards preventing undue concentration of large financial institutions that are "too big to fail."
Notwithstanding the vociferousness of the critics, on July 2, 2013, the Federal Reserve promulgated final Basel III capital rules substantially unchanged from those proposed a year ago. The most stringent capital requirements for "advanced approaches banking organizations"—those with $250 billion or more in total consolidated assets or $10 billion or more in foreign exposures—were kept in the final rules. The only changes of note were those affecting community banks and other small banking organizations. The Board's action was followed closely by adoption of Basel III rules by the OCC and the FDIC (as an interim final rule). The FDIC has also issued a notice of proposed rulemaking to strengthen the leverage capital ratio.
The U.S. version of Basel III will apply to:
- Engage in significant nonbank activities
- Conduct significant off-balance sheet activities
- Have a significant amount of SEC-registered debt or equity
- Grandfathered unitary SLHCs with more than half of their assets or revenues in commercial activities
- SLHCs that are insurance underwriting companies or that have more than 25 percent of their assets in insurance underwriting subsidiaries
The Board's Basel III release was approximately 1,000 pages long. In this alert and others to follow, we will cover the key aspects of the final rules, as well as the treatment of community banking organizations.
Even as U.S. regulators uncork their strong capital brew, events at the Bank for International Settlements have also been developing rapidly. At the same time that the Federal Reserve final rules were released, the Basel Committee on Bank Supervision (BCBS) updated its assessment methodology for global systemically important banks (G-SIBs) and issued disclosure requirements. To help banks and participating jurisdictions prepare for the implementation of the G-SIB framework, the BCBS intends to finalize and publish by November 2013 certain elements of the regime. This publication will occur one year in advance of timeline set out in 2011 to enable banks to calculate their scores and higher loss absorbency requirements using year-end 2012 data before the requirements come into effect based on year-end 2013 data.
On July 5, 2013, the BCBS published a set of proposals that would revise the prudential treatment of banks' equity investments in funds. The proposal's underlying principle is that banks should apply a look-through approach to identify the underlying assets whenever investing in schemes with underlying exposures such as investment funds. As a full look-through approach may not always be feasible, the BCBS proposes a staged approach based on different degrees of granularity of the look-through. The proposal's risk weighting framework is designed to enable application of a consistent risk-sensitive capital framework providing incentives for improved risk management practices. Further, the proposal is designed to help address risks associated with banks' interactions with shadow banking entities.
Finally, on July 19, 2013, the BCBS issued a consultative document on liquidity coverage ratio (LCR) disclosure standards. First introduced in January 2013, the LCR is intended to ensure that a bank has an adequate stock of unencumbered high-quality liquid assets that can be converted into cash easily and immediately in private markets to meet its liquidity needs for a 30 calendar day liquidity stress scenario. (The Federal Reserve has notably stolen the march on the BCBS in this regard for U.S. banking organizations and has already begun implementation of rigorous stress testing based on a variety of market conditions). The BCBS believes that it is important that banks adopt a common disclosure framework to help market participants consistently assess the liquidity risk position of banks. To promote consistency and ease of use of LCR-related disclosures, internationally active banks across Basel member jurisdictions will be required to publish their LCR according to a common template. Comments on this consultative document are due by October 14, 2013.
Nor is U.S Basel III regulation likely to remain static for long. When the Board unveiled its final rules, Governor Daniel K. Tarullo issued a statement in which he previewed a considerably more rigorous set of capital requirements for the eight U.S. G-SIBs (Bank of America, Bank of New York/Mellon, Citigroup, Goldman Sachs, J.P. Morgan/Chase, Morgan Stanley, State Street, and Wells Fargo). When added to the Basel III final rules and the Board's stress testing requirements, these capital requirements could well have a major impact on the cost and availability of credit. We shall discuss these additional requirements if and when they are promulgated.
See more »
DISCLAIMER: Because of the generality of this update, the information provided herein may not be applicable in all situations and should not be acted upon without specific legal advice based on particular situations.
© Ballard Spahr LLP
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Motorcycle Speeds by in the Median
We must have been going to slow for this guy because he flew by us, passing all three of us in the median. This guy obviously didn't pay attention in motorcycle safety class...... Check out more videos at http://www.motorsportstube.com
The Devil's Whip Aprilia Shiver, WR250X, and RSWarrior "too much traffic"
Going up The Devil's Whip (NC80) on my Road Star Warrior, I ran into a WR250X. Then an Aprilia Shiver 750 came up behind us while we were stuck behind traffic and passed me, so I followed him up to the top. Way too many cars out today. Don't forget to check out http://www.blindkenny.com for the latest pics and info from The Devil's Whip. Rate and Subscribe. If you like it, Comment!!!! If you DON'T have anything nice to say, Leave a COMMENT Anyway!!!! Thanks! and ride safe
Yamaha Road Star Warrior Rear 300
02 Custom with Bub Exhaust Power commander 300 Avon cobra tire Ducati single sided swingarm Vrod headlight cowl Lower front belly cowl License plate relocate
Yamaha Road Star Warrior turbo sound


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Oh lovely I've only just caught up, you poor thing! You deserve so much more, I truly hope everything goes well and you get back on that list. Not that it helps I'm sure but after all you have been through you are only getting stronger and don't you forget that! You're an inspiration xoxo
How awful, but as sad as it is, it's better to be back in Perth. Sucky situation all around, but it will get better
always thinking of you and praying for you. marie
misskittyfantastico (28-11-2014)
Hoping today went well
I've been thinking of you all day lady. Hope you're ok x
Thinking of you today.
Lots of love xo
Thanks so much gorgeous people xx.
I'm in the ICU recovering. Pretty sore and totally off my face on the good gear but the pain killers make me insanely itchy.
Was I. Theatre for over four hours but they said it all went well.
Lookin' extra purdy too
ImageUploadedByThe Bub Hub1417859764.956606.jpg
BH-KatiesMum (08-12-2014)
Pregnant for the first-time?
Not sure where to start? We can help!
Our Insider Programs for pregnancy first-timers will lead you step-by-step through the 14 Pregnancy Must Dos!


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IT Executives Worried About Employees Using Chat Apps
The study found that 59 percent of IT decision-makers think third-party messaging apps and chat tools are insecure for enterprise communication.Nearly 70 percent of companies are concerned about employees using third-party messaging and chat apps to communicate and send documents internally, according to a survey of 397 IT enterprise decision-makers by messaging and mobility specialist Infinite Convergence. The study also found that 59 percent of IT decision-makers think third-party messaging apps and chat tools are insecure for enterprise communication, and 41 percent of companies ban the use of one or more third-party chat apps. Additionally, while 84 percent indicate that internal enterprise messaging systems are a more secure option, less than half currently use an internal messaging service. When it comes to bring-your-own-device (BYOD) policies, 41 percent of survey respondents indicated that more than half of their employees use personal devices for internal messaging and to access company information.
"With BYOD, enterprises have to deal with a whole new realm of IT concerns that they did not previously face: the consumer's own device and the information exchanged on it," Anurag Lal, CEO at Infinite Convergence, told eWEEK. "Enterprise IT teams didn't have to contemplate that before BYOD was an option. Not only do they have to deal with consumers' devices, but also the applications on their devices and the ability of those applications to transfer enterprise information or content."
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Christian, This is my pix of Gnu Flash from the CA Trek last spring. I'm not sure whose
garden, but probable same one Jan might have taken her pix. I also thought it was an impressive iris. The message is ready to be sent with the following file or link attachments: Gnu Flash ` Linda in CW AZ


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Citizens College is now accepting applications for the June 2016 session.
The Citizen Outreach Group (COG) and Council of Neighbors and Organizations (CONO) are excited to sponsor the free El Paso County Citizens College this summer.
The County will present on two Saturday's (TBD) in February, 2017.
Citizens College is a tremendous learning opportunity for civic-minded individuals ages 16 and older. During the two full-day sessions, citizen students will be familiarized with many aspects of El Paso County government - including its statutory duties, programs and services to citizens living in Colorado's largest County. Our County's elected officials, administrators and agency partners will serve as instructors navigating participants through the inner workings of our multi-faceted and citizen-focused government.
Citizens College is designed to help participants ... 1. Learn and dialogue about key issues facing their County. 2. Meet and network with County leaders, administration and fellow students. 3. Actively participate in County Government 4. Grow in their capacity to serve as future public leaders, community volunteers or engaged citizens.
Complete Application OnlineCONO is hosting the registration web.
For more information on CONO, check out its web site...www.cscono.org


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Take Five: Extra Creamy Mac & Cheese
This is a quick and easy dinner for the kids and adults love it too, says L. Huff of Fountain Valley.
Extra Creamy
Mac & Cheese
Yield: 6 servings
12 ounces pasta (3/4 of a 16 ounce box) – any shape
4 tablespoons butter
1 can (10 3/4 ounces) cheddar cheese soup
1 can (12 ounces) evaporated milk
1 to 2 cups grated cheese
Salt and pepper to taste
1. Cook pasta according to directions on package, drain and add pasta back to the warm pot.
2. Stir in butter, cheese soup and half the can of evaporated milk.
3. Add 1 cup of cheese to start, then add more cheese to your desired cheesiness!
4. Keep the burner on low to help melt things together.
5. If it gets too thick, add some evaporated milk.
6. Serve and enjoy.
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