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LEAN Manufacturing for Enterprise Wide Operational Excellence

Reduce process cycle times by more than 10%

Enterprise Wide Continuous Improvement Operational Excellence

Lean Manufacturing practices have generally been adopted since the early 70’s, and has become a vital part of Continuous Improvement and Manufacturing Excellence. Continuous Improvement (CI) techniques such as 5S, Poka Yoke, SMED, and TPM are all major elements of achieving Lean practices across individual and multiple sites.
CI is at the heart of any LEAN initiative and so having an empowered CI team in place from inception is key in driving the process forward. The role of the team is to facilitate buy-in from Operators and Stakeholders so that everybody understands what impact they have in the improvement process and believe the potential value of the program, both departmentally and company-wide. Evolving an improvement culture and strategy across the whole organisation is vital to a successful CI program.

Other Lean Tools to be implemented as part of your Lean System

Six Sigma

Six Sigma describes quantitatively how a process is performing. It measures defects per million opportunities (DPMO) and a defect is defined as anything outside of customer specifications. The opportunity is then the total quantity of chances for a defect.
The fundamental objective of the methodology is the implementation of a measurement-based strategy that focuses on process improvement and variation reduction through the application of Six Sigma. The use of DMAIC (Define, Measure, Analyse, Improve and Control) is an improvement system for existing processes falling below specification and looking for incremental improvement. Six Sigma processes are executed by Six Sigma Green Belts and Six Sigma Black Belts, and are overseen by Six Sigma Master Black Belts.

Just in time Production

JIT is a pull based system based on buying enough materials to fit into production and ensuring an even flow of materials, which results in holding less stock. Having the correct amount of materials in line with a production plan will reduce in process inventory and associated costs. Raw materials will arrive on schedule and in the planned order and amounts to go into production. An effective inventory management system is essential to improving and supporting a JIT supply model.
JIT manufacturing includes bringing together sequences such as fabrication, sub assembly, inventory, supplier, final assembly and shipping to quicken turnover, eliminate idle inventory, reduce waste, reduce money tied up in inventory, and increase efficiency to raise productivity. JIT is dependent on signals or Kanban’s, which tells production when to make the next part. JIT operations is a great way to improve inventory accuracy and achieve a better more lean material flow for greater inventory management control. JIT compliments continuous improvement and lean manufacturing by having the right materials, at the right place, and in the right amounts.


Kanban is a Pull System which enables Production to request material at the time of use. As parts are consumed within the manufacturing process, the Kanban signal triggers the delivery, both internally and externally* to the Point of Use/Fit (POU/POF). This is a supporting function to a sequencing operation which eliminates the need for multiple parts at the POF, thus reducing shop-floor inventory.
One of the main benefits of Kanban is to establish an upper limit to the work in progress inventory, as part of the ‘pull’ demand approach, inventory stock levels are also managed better and usually have smaller, faster turnarounds. Electronic, paperless Kanban systems eliminate manual entry errors and enable real-time demand signalling using a mix of technology, such as barcode scanners, to trigger materials within the production process.
A typical Kanban system marks inventory with barcodes which workers scan at different stages of the process, signalling usage. The scan sends a message to internal stores to ensure restocking of the item. Having a real-time view of inventory throughout the supply chain can significantly improve and support Lean Manufacturing processes.

Poka Yoke

‘Poka Yoke’ is a Japanese term meaning ‘fail-safeing’ or ‘error proofing’. These systems detect and prevent process errors for improved quality control and can be implemented in a manufacturing process to help an operator avoid mistakes caused by choosing the wrong part. The purpose is to eliminate product defects by preventing, correcting or drawing attention to both human and mechanical errors as they occur.
There are two types of Poka Yoke systems: the Prevention (control approach) which guides the operator through a process and determines whether the correct process is being followed and prevents a defect from occurring, and the Detection (warning approach) that catches a defect which has already occurred before the goods are shipped to the customer. Devices are used to identify product defects by testing criteria such as the product’s shape, size, or colour. If the product doesn’t comply, a warning will be signalled. Poka Yoke technologies can include; electronic check-lists, locating pins, error alarm detection, physical contact sensors – photocell, touch switches, energy sensors – photoelectric switch, proximity switch, beam sensors, warning sensors – lights, colour code, timers, detectors, readers, meters, and counters.
Poka Yoke systems have many benefits when implemented into Continuous Improvement and Lean Manufacturing strategies resulting in enhanced and controlled processes; leading to reduced rework, scrap and warranty costs, reduction of waste for improved waste management, achieving ZDQ (Zero Defect Quality) which reduces the associated costs with manufacturing defects, improves quality for sustained customer satisfaction, loyalty and retention, and achieving 100% compliance, zero defects, zero waste, zero delays to reduce overall manufacturing costs and improve productivity.

For further information about implementing LEAN manufacturing practices please call us on 01274 599955 or email us here


  • APS Group Case Study (Parsec)
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  • 7 Best Practices of Highly Effective Teams Whitepaper
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  • Lean Management Journal Article Logical Lean Dec 2010 Steve Wilkinson
  • Lean Management Journal Article Oct 2011 Lean with IT Mike Hodge
  • Lean Management Journal Jan 2012 Lean on IT, APS Steve Goodall
  • Lean Management Journal Aug 2012 A View from the Shop Floor Wrigley
  • Lean Management Journal Sept 2013 Making IT Work Chris Borrowdale
  • The Manufacturer- Apr 15 Lean manufacturing in the UK BLOG
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Gold loans

Gold Loan

  • Hassle Free documentation and Instant cash
  • Expert valuation for your gold
  • Various modes of re-payment available

Kosamattam finance is the pioneer leader in the gold loan portfolio in India. We provide feasible financial solutions and wise investment decisions to channelize the best value for your Gold, along with the simplest of paperwork, so that you may fulfil your dreams within a matter of minutes. When you are faced with an emergency that comes without warning, you can always use your gold jewellery to raise that urgent credit.

Forex services

  • Competitive exchange rates
  • Quick and prompt service
  • Transacting in all prominent currencies

Kosamattam Finance is a RBI approved Full Fledged Money Changer. We bring you hassle-free currency exchange services that are provided at competitive rates. Exchange your foreign currency in our authorised branches without any hassles in seconds. We deal in all prominent international currencies by buying and selling foreign currencies at our authorised branches.


  • Excellent Produce
  • Ideal Climate
  • Scientific cultivation methods

Kosamattam Plantation located 3861 Feet above sea level and is ideally located on border belt of the Western Ghats in Idukki district of Kerala. Just 10 Km from Kattapana town and around 23 Km from Kumaly town, this estate is in the location of the cardamom belt of Idukki district. Cardamom the ‘King of all Spices’, is widely cultivated here. Besides cardamom, Pepper, coffee is also grown in plenty. The estate comes to 135 acres of fertile land growing the best variety of cardamom.

Alternate Energy

  • Committed to the environment
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Kosamattam finance understands that when we invest in a renewable energy solution, we make a commitment for decades. That is why we look at ourselves not just as harvesting wind energy, but standing by a commitment to do our part for the environment. Kosamattam Finance has established wind farms at Ramakel medu of Idukki district in Kerala. Environmental sustainability continues to be an issue of critical importance to us and those we serve.

Money transfer

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Kosamattam Finance Money Transfers brings to you a network of branches from where you can instantly receive money from your loved ones. We execute close to a Million transfers annually and are the chosen Money transfer agent.

Insurance Services

  • One stop place for all Insurance needs
  • Excellent advisory services
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Life throws many unexpected things at all of us. While we usually can’t stop these things from occurring, we can opt to give our lives a bit of protection. Insurance is meant to give us some measure of protection, at least financially, should a disaster happen. There are numerous insurance options available, and many financial experts tell us that we need to have these insurance policies in place.


  • All types of air & road ticketing services
  • Customised service
  • Customer friendly service

Kosamattam Finance provides all ticketing related services to our customers in a prompt and efficient manner. Ticketing facility is available in all our branches. We are IATA certified air ticketing agent and cater to all the ticketing needs. Kosamattam Finance’s ticketing services is one of the pioneers among the IATA approved agents in India. Understanding the requirement of the traveller is of prime importance. Our aim is to provide personalized service through trained teams at optimum cost.

DMT Services

  • Available 365 days round the clock
  • Transfer done via IMPS / NEFT to any bank
  • Led by team of experts

Send your hard earned money within seconds to your bank account on any day without standing in queues. Kosamattam Finance provides the facility to transfer funds via IMPS within seconds.

Depository Services

  • Instant creation of demat account
  • Government Securities
  • Non-Convertible Debentures (NCD)

Kosamattam Finance provides depository services to its investors. Holding of securities in electronic form has various advantages to the investor. Demat ensures the transfer of securities instantly. Another advantage of holding a demat account is that there is no TDS for Depository held securities. Other risks such as loss, theft, delays etc. are avoided completely. In Depository system, the transfer of securities takes place by way of electronic book entries.

SME Loans

  • 100% transparency
  • Lowest processing charge
  • No hidden cost or administrative charge

You strive to seize every opportunity and often end up with lack of funds. With SME and Loan against Property (LAP) from Kosamattam finance, you can raise funds easily against your property within a very short time and chase your dreams and make them a reality.

Housing Finance

Kosamattam Finance is yet to start its operations in Housing Finance.

Other service

  • Prepaid and Post paid Mobile recharge
  • DTH recharge and PAN Card Issue
  • Water & Electricity Bills

Kosamattam Finance provides a host of other related services which are of utmost importance and relevant in our day to day lives. You need not go to the local vendor to re-charge your mobile & DTH. You need not stand in long queues to pay you post paid mobile bills. all these services are available under one roof in our branches and that to under the supervision of our trained branch Executives.

Attention Investors

Prevent Unauthorized Transactions in your demat account. Update your Mobile Number with your Depository Participant. Receive alerts on your Registered Mobile for all debit and other important transactions in your demat account directly from CDSL on the same day.Issued in the interest of investors. KYC is one time exercise while dealing in securities markets – once KYC is done through a SEBI registered intermediary (broker, DP, Mutual Fund etc.), you need not undergo the same process again when you approach another intermediary No need to issue cheques by investors while subscribing to IPO. Just write the bank account number and sign in the application form to authorize your bank to make payment in case of allotment. No worries for refund as the money remains in investors account.

Gold loan

Loan Inquiry

Delhi & Eastern India

Successful Customers

Mr. Musthafa, Periyakulam

Kosamattam Finance’s gold loan has been instrumental in helping my business develop and prosper for the past 10 years. Their streamlined approach, operating with less complexity and more transparency has guided me over the years.

Kosamattam finance’s concept of ‘affordable gold loans to all’ is what attracted me the most. All the employees are committed in explaining the loan details and I could instantly identify the absence of any hidden charges.

Mr. Nagalingam, Salem

Kosamattam finance Freedom online Gold loan is an innovative product with unmatched accessibility and security delivered by responsive, knowledgeable employees – all for a loan experience that is clear and straightforward.

Rackspace, Digital Realty – s U #data #center, #data #center #real #estate, #data #center #broker, #data #center #design, #data #center #finance, #data #center #research, #data #center #project #management, #modular #data #center, #wiredre, #wired #re, #wired #real #estate


Rackspace, Digital Realty s U.K Data Center Design: Free Air Cooling

In late February, Rackspace and Digital Realty Trust announced a joint partnership for the completion of a new U.K. data center in Crawley, West Sussex. The firms launched construction on the 130,000 square foot facility, which sits on a 15-acre campus that will eventually house four data centers. In total, the site s infrastructure will support up to 10 megawatts of critical power load.

Currently, Rackspace and Digital Realty are working to establish the first two data halls, which will include 6 megawatts of capacity. These structures will include cabling routed overhead instead of within the floor space, as is customary in traditional data center builds. This phase of the project is scheduled for completion in early 2015.

A Highly Sustainable Design: Indirect Outside Air Cooling
The two companies have come together to leverage both group s expertise in designing a highly scalable and efficient facility with a sharp focus on data center sustainability. In addition to incorporating space for future expansion to address subsequent client demands, the data center design also includes an innovative cooling system.

Rackspace and Digital Realty s facility will be the first U.K data center to utilize an advanced indirect outside air cooling system. The technology allows for reduced reliance on certain mechanical cooling and leverages outside air to remove excess heat in the server room. Thanks to this new design, the data center will also see reduced energy consumption, as much as 80 percent less than traditional structures.

The free air cooling design was inspired by a system used by British infrastructure company Excool, which utilizes outside air to reduce warmth created by heat exchanger coils, The Register reported. Besides considerable reductions to electricity usage and operating costs, the indirect cooling technology also effectively separates the outdoor and indoor environments, eliminating the need for an external filtering system in the data center.

For a large part of the year that [air cooling] process is sufficient, said Gary Boyd, Rackspace data center project engineering senior director. At certain times of the year when it gets warmer we spray additional water onto the face of the heating system. There s a lot less complexity it s a very simple cooling process.

By leveraging the innovative cooling technology in conjunction with hot and cold aisle separation, the new U.K. data center is expected to achieve a PUE rating near 1.17. This is a considerable reduction from Rackspace s flagship data center in Slough. The smaller, 50,000 square foot facility has a 1.55 PUE.

European Data Center Market
Rackspace COO Mark Roenig stated that the new U.K data center campus comes in response to growing demands in the overall market, alongside growth opportunities in Europe s business sector. A Digital Realty study echoes these findings, showing that of the 201 participants polled, 65 percent had built a new facility in Europe between 2011 and early 2013.

The study also found that 88 percent of respondents had plans to further expand their data center service footprint. The U.K was the top country in which new data center construction would take place, with 37 percent preferring the region for facility construction.

Personal Finance Advice – Personal Financial Management – Personal Finance Articles, what to do with a finance major.#What #to #do #with #a #finance #major


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Ex-ASIC lawyer Vanessa Ash and Bradley Grimm accused of defrauding owner

In January 2014, when Bradley Grimm and his wife Vanessa Ash moved into the sprawling mansion in Rockingham Close in Melbourne’s well-heeled suburb of Kew, the owner of the property was unaware his tenants had allegedly defrauded him.

Tucked away in a nursing home in the equally blue-ribbon suburb of Armadale, the owner of the property was not making his own financial decisions after a nasty fall and the onset of Parkinson’s cruelled his retirement.

Instead, the owner had appointed Ms Ash, a former lawyer for the Australian Securities and Investments Commission and the wife of stockbroker Grimm, his power of attorney in 2012. He later named Vanessa as a director of the trustee company controlling the owner’s estate and a member of his superannuation fund.

Now the owner, through his tribunal appointed administrator, alleges in a Supreme Court of Victoria that Ms Ash and her husband defrauded him of over $832,013 over a four-month period beginning in December 2013.

It is also alleged the couple moved into the home in Rockingham Close replete with a swimming pool using a dubious five-year lease agreement that included a bargain base rent of $459 a week.

For their part Vanessa Ash and Grimm believe they are victims of a bitter dispute and are understood to maintain a close relationship with the owner and visit him often.

But this is just the beginning of the accusations being levelled against Vanessa Ash and Grimm, the latter of whom has been referred to as the “grim reaper in the Melbourne stockbroking world” under parliamentary privilege.

Last year, the corporate cop filed action in the Federal Court of Victoria against its former employee and Grimm for allegedly ripping off clients of its Ostrava network of financial services companies.

The Ostrava companies and a host of other entities associated with Grimm and Ash are in provisional liquidation and the regulator is seeking winding up orders so that full liquidation can be commenced.

The couple’s Collin Street offices, which were a mess when visited by Fairfax Media a year ago, are now vacant after they were turfed by the provisional liquidators.

ASIC’s investigation is still ongoing, but the regulator has flagged in court documents that its action could lead to criminal or civil charges being brought against Grimm and Vanessa Ash over their alleged mismanagement of Ostrava client money.

Concerns were first raised over the management of the owner’s affairs just months after he moved into the nursing home.

In January last year, Sue Lyttleton was appointed administrator to the elderly man’s affairs by the Victorian Civil and Administrative Tribunal in January 2015.

Lyttleton alleges $832,013 was transferred in a “sequence of transactions” from the owner’s superannuation trustee account into the bank accounts of Ostrava. The transfer was identified as a pension transfer.

“The withdrawal and payment of the plaintiff’s pension benefit into one or more Bankwest accounts operated by the Ostrava companies was unnecessary and of no benefit to the plaintiff (the owner),” the statement of claim says.

The transfers were instead to the benefit of Vanessa Ash and Mr Grimm’s Ostrava companies and to the benefit of themselves, Lyttleton alleges.

Lyttleton alleges in late October 2015, the couple produced the “purported lease” drafted on December 24, 2014, over the Kew property. The lease names the owner as the landlord and Mr Grimm as the tenant yet Vanessa Ash, using her power of attorney, signed the generous five-year lease on behalf of the owner.

Lyttleton says this lease agreement was not to the benefit of the owner and rather to the benefit of Vanessa Ash and Mr Grimm.

By September, Lyttleton sought to evict the couple from the home after forming “the view that it was in the best interests of the plaintiff for the Kew property to be sold with vacant possession and the proceeds to be available to provide for the plaintiff’s care and needs”.

The administrator alleges for Vanessa Ash and Grimm have refused to leave the property. They have also declined to hand over the money from the owner’s super fund.

Indeed, Vanessa Ash and Grimm were home on Friday morning when visited by BusinessDay but declined to comment ahead of releasing a formal statement later on Friday.

Lyttleton alleges the actions of the couple were “dishonest and fraudulent”. She is seeking declarations the transfers and lease agreement were unfair to the owner, the return of the owner’s money, compensation and costs.

Vanessa Ash says the allegations are wrong. “[The owner] would be horrified that this action was being taken on his behalf,” she said. ”I am living in [the owner]’s house in accordance with the express wishes of him.

“I am the joint executor and joint beneficiary of his will. My family and I visit him every week and love him dearly.”

Vanessa Ash says all of the couple’s activities have been lawful and according to the owner’s wishes and says the administrator did not know the owner when he had his faculties. “I have complete faith that we will get a fair hearing in court when we refute these allegations,” she says.

Grimm says the Ostrava matter was before the Federal Court on April 1 for directions where the judge ordered mediation, which will occur in mid-May. “We are hopeful that the matter will be resolved in that forum,” he says.

ASIC has declined to comment.

It’s not the first time Grimm has been the subject of serious allegations. In May last year, Fairfax Media revealed ASIC had been warned about Grimm’s business dealings in 2005 by Labor MP Luke Donnellan, who is now minister for Ports and Roads and Road Safety.

Donnellan requested a review of Grimm’s “fraudulent investment activities and the obtaining of financial advantage by deception” under parliamentary privilege.

“Grimm is indeed the grim reaper in the Melbourne stockbroking world,” Donnellan said.

Donnellan alleged Mr Grimm raised $1 million from mum and dad investors leading up to and during the dot-com boom in the late 1990s and early 2000s through investment company Equity Partnership.

Yet, ASIC took no action and Grimm has maintained the allegations stem from an embittered former business partner.

Time will tell whether Grimm is really the reaper or whether he and Vanessa Ash have had another terrible misunderstanding.

CORRECTION: An earlier version of this story has been amended after issues raised by the Victorian Civil and Administrative Tribunal about identifying people involved in proceedings related to Victoria’s laws on guardianship.

Sarah Danckert

Accounting – Finance for Non-Financial Managers – NUS Executive Education #structured #finance #training



Know what your finance manager presents to you. Accounting Finance

Increasingly, managers in every functional area need to understand the basic principles of accounting and finance in order to make informed business decisions.

This practical programme is designed to demystify financial jargon and concepts for non-finance managers. In five days, you will learn how to interpret financial statements and apply that information into your business. At the end of the course, you will be able to speak the same language as your finance colleagues, understand performance metrics, read and use company reports, and grasp other managerial accounting issues.

Alumni / Early Payment / Team Enrolment Benefits

All NUS alumni and past participants of NUS Executive Education are entitled to 10% alumni savings on this programme.

Alternatively, you can enjoy savings if you pay early with Visa or MasterCard:
45 days before start of programme: 10% savings
30 days before start of programme: 5% savings

Team enrolment benefits are also available, please contact the programme advisor for details.

Application Deadline

  • Participants are strongly advised to apply at least 2 months in advance
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Sign Up for Two Programmes Save

Enjoy significant savings of S$2,000 by combining the following courses with this programme:

Terms and conditions apply. Please refer to this information sheet for more details.

A concise overview of key accounting concepts and useful finance tools.

Paul Gallie, UK
APM Terminals Management (Singapore) Pte Ltd

The course was very well organized with appropriate mix of participants from various backgrounds. I have gained many insightful learnings which I m confident of applying them at work.

Mabel Tan, Singapore
Treasury Manager
Global Logistic Properties Limited

A thoroughly beneficial experience. The entire NUS faculty and team were extremely professional throughout.

Ross Evans, Singapore
Vice President
BNY Mellon

A well-conducted and satisfactory programme. The organisation of the course reflects excellent professionalism from NUS, the faculty and coordinators. The school facilities are very good. A five-star experience.

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Owner’s Representative, East Africa
East Africa Pacific International Lines

An intense week of comprehensive study, taught by world-class faculty.

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Monitor Deloitte

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Senior Vice President, Market Operations and IT
Energy Market Company

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Senior Manager, Corporate Affairs
Standard Chartered

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Country Manager
Perfetti Van Melle Lanka

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General Manager
Gentherm Vietnam

Highly engaging and very relevant. Quick and concise course material packed in a few days but very impactful.

Jayaprakesh Jagateesan, Singapore
Chief Executive Officer
RHT Holdings

Most beneficial programme I’ve attended since graduation. The knowledge and opinion exchanges with participants and instructors from multinational and diverse industries has widened my view.

Foo Kai Yen, Singapore
Product Manager
Qioptiq Singapore

The course is well-structured and gave me a good understanding about accounting and finance. It also enhanced my strategic thinking. This will help me to carry out my duties more efficiently and effectively. I will recommend other staff, especially executives and senior staff of my company, to attend this training course.

Masoud Al Reyami, Oman
Senior Transmission Manager
Oman Electricity Transmission Company

This course offers a very good foundation on key finance principles for non-financial managers. Apart from financial fundamentals, the techniques taught were also used in real-life examples and listed companies.

Chong Siew Loong, Singapore
Head, Networks Systems
Nucleus Connect

The course offers a great overview of financial conditions and situations that affect non-financial managers without us realising it.

Roni Pramaditia, Indonesia
Head of Foundation
Medco Group

This is one of the best technical financial courses.

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Deputy CEO
Kuwait National Petroleum Company

Congressional Russia investigators demand interviews with Trump Jr, cooperate finance.#Cooperate #finance



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Happy to work with the committee to pass on what I know, Donald Trump Jr. said on Twitter. | AP Photo

Congressional Russia investigators demand interviews with Trump Jr.

07/10/2017 12:59 PM EDT

Updated 07/10/2017 06:51 PM EDT

Key lawmakers are calling for President Donald Trump’s eldest son to submit to interviews with congressional investigators following the revelation that he met with a Russian lawyer during the 2016 presidential campaign.

Sen. Mark Warner, the top Democrat on the Senate Intelligence Committee, called the revelation “the first time that the public has seen clear evidence of senior-level members of the Trump campaign meeting with Russians to try to obtain information that might hurt the campaign of Hillary Clinton.

Story Continued Below

Warner, whose panel is investigating Russian interference in the 2016 election, including possible collusion between the Trump campaign and Moscow, said Donald Trump Jr. “absolutely” needs to appear before the committee.

Sen. Susan Collins of Maine, a Republican on the intelligence committee, said she wants Trump Jr. to submit to an interview, along with others who participated in the gathering with the Russian lawyer at Trump Tower.

“Our intelligence committee needs to interview him and others who attended the meeting, Collins said.

Rep. Adam Schiff, the top Democrat on the House Intelligence Committee, said on CNN’s “State of the Union” on Sunday that his panel would also “want to question everyone that was at that meeting about what was discussed.”

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In a statement on Twitter, Trump Jr. indicated he would cooperate with the congressional panels.

Happy to work with the committee to pass on what I know, he wrote.

Trump Jr. has also hired New York criminal defense attorney Alan Futerfas as his personal attorney for Russia-related matters, Futerfas told POLITICO.

The meeting between Trump Jr. and a Kremlin-connected lawyer was first reported by The New York Times. The lawyer, Natalia Veselnitskaya, had promised to provide damaging information on Clinton, the Times reported.

Trump’s son-in-law, Jared Kushner, and then-campaign chairman, Paul Manafort, also attended the meeting.

The calls from lawmakers for Trump Jr. to appear before the House and Senate intelligence committees come as both panels are ramping up their investigations.

The Senate panel this week is beginning to conduct private interviews with members of the Trump campaign. The House panel has also been scheduling interviews with Trump campaign officials, and last month held a private session with former Clinton campaign chairman John Podesta.

Warner on Monday told reporters his committee continues to add additional individuals that now need to be interviewed.”

Donald Trump Jr. in legal danger for Russia meeting about Clinton dirt

He called the revelation about Trump Jr.’s meeting with the Russian lawyer part of a “continuing pattern we’ve seen since the election of Trump campaign and Trump administration officials who have conveniently forgotten meetings with Russians.”

“If I was a campaign manager and had been contacted by what may be an agent of a foreign power and was told that that agent might have damaging information about a potential candidate, I think I might remember that meeting,” Warner added. “I think it’s also a little strange as a candidate, if my son or son-in-law met with an agent of a foreign power, I think I’d probably want to hear about that information.”

Meanwhile, Senate Armed Services Chairman John McCain (R-Ariz.) said Congress needed to “find out a lot more about” the meeting with the Russian lawyer.

Asked if the meeting constituted collusion, McCain responded: “I don’t know because I don’t know enough about it, but it’s certainly not desirable.”

Android Apps, personal finance apps for android.#Personal #finance #apps #for #android


Android Apps

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Personal finance apps for android

Android App Development For Dummies, 3rd Edition

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Android Application Development All-in-One For Dummies, 2nd Edition

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Android Application Development For Dummies Cheat

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How to Test Your Android App Using Espresso

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When you launch an Android device emulator, the new emulator s name is something lik.

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Click here to download the code example files for Android Application Development All-in-O.

Dummies has always stood for taking on complex concepts and making them easy to understand. Dummies helps everyone be more knowledgeable and confident in applying what they know. Whether it’s to pass that big test, qualify for that big promotion or even master that cooking technique; people who rely on dummies, rely on it to learn the critical skills and relevant information necessary for success.

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Personal finance apps for android

Master in Finance – MSc – s – ESSEC Business School #msc #finance #usa


Master in Finance

QS World Grad School Tour – New York City

Our ESSEC representative Monique Merizio will be joining this fair and would be more than happy to meet up with you 1-to-1 to discuss your future study plans!

12:30 | New York City, USA Sign up

QS World Grad School Tour – Montreal

Our ESSEC representative Monique Merizio will be joining this fair and would be more than happy to meet up with you 1-to-1 to discuss your future study plans!

14:30 | Montreal, Canada Sign up

QS World Grad School Tour – Toronto

Our ESSEC representative Monique Merizio will be joining this fair and would be more than happy to meet up with you 1-to-1 to discuss your future study plans!

14:30 | Toronto, Canada Sign up

QS World Grad School Tour – London

Our ESSEC representative Monique Merizio will be joining this fair and would be more than happy to meet up with you 1-to-1 to discuss your future study plans!

15:00 | London, United Kingdom Sign up

QS World Grad School Tour – Dubai

Our ESSEC representative Monique Merizio will be joining this fair and would be more than happy to meet up with you 1-to-1 to discuss your future study plans!

QS World Grad School Tour – Beirut

Our ESSEC representative Monique Merizio will be joining this fair and would be more than happy to meet up with you 1-to-1 to discuss your future study plans!

08:00 | Beirut, Lebanon Sign up

QS World Grad School Tour – Milan

Our ESSEC representative Monique Merizio will be joining this fair and would be more than happy to meet up with you 1-to-1 to discuss your future study plans!

QS World Grad School Tour – Munich

Our ESSEC representative Monique Merizio will be joining this fair and would be more than happy to meet up with you 1-to-1 to discuss your future study plans!

18:00 | Munich, Germany Sign up

QS World Grad School Tour – Frankfurt

Our ESSEC representative Monique Merizio will be joining this fair and would be more than happy to meet up with you 1-to-1 to discuss your future study plans!

15:00 | Frankfurt, Germany Sign up

QS World Grad School Tour – Athens

Our ESSEC representative Monique Merizio will be joining this fair and would be more than happy to meet up with you 1-to-1 to discuss your future study plans!

15:30 | Athens, Greece Sign up

QS World Grad School Tour – New Delhi

Our ESSEC representatives Annegret and Doljit will be joining this fair and would be more than happy to meet up with you 1-to-1 to discuss your future study.

14:30 | New Delhi, India Sign up

QS World Grad School Tour – Bangalore

Our ESSEC representatives Annegret & Doljit will be joining this fair and would be more than happy to meet up with you 1-to-1 to discuss your future study.

QS World Grad School Tour – Hyderabad, India

Our ESSEC representatives Annegret and Doljit will be joining this fair and would be more than happy to meet up with you 1-to-1 to discuss your future study.

14:30 | Hyderabad, India Sign up

ESSEC Master in Finance In the 7th edition of the Financial Times Masters in Finance rankings (2017), the ESSEC Master in Finance is ranked #3 in the pre-experience program category, a jump from last year’s #7. Once again, these results confirm the academic excellence of the program and attest to ESSEC’s pos.

ESSEC Master in Finance The ESSEC Leadership and Diversity Chair presented the launch of its’ official MOOC, Diversity and Inclusion in the Workplace, at the L’Oréal Paris Headquarters yesterday. The MOOC has been rated amongst one of the best MOOCs offered to students and professionals and is offered as a fre.

School of Economics and Finance – The University of Hong Kong #master #i #n #finance


Postgraduate Programmes

Master of Finance

Information Session for Intake 2016
Session One (Guangzhou): October 22, 2016 (Saturday)
Session Two (Hong Kong): November 17, 2016 (Thursday)
Registration: Guangzhou Session / Hong Kong Session

The HKU Master of Finance (MFin) Programme is an interdisciplinary programme aiming to provide motivated individuals with not only cutting-edge training in financial theory, but also the necessary mathematical, statistical and computer training, allowing them to apply the knowledge in a multitude of financial disciplines: pricing derivative instruments and securities, modelling and forecasting financial markets, hedging and financial risk management, credit risk management, insurance and reinsurance, quantitative trading and arbitrage training, asset allocation and investment management, and asset/liability management.

Successful graduates will enjoy a competitive advantage in a wide range of career opportunities in commercial and investment banks, brokerage and investment firms, insurance companies, treasury departments of non-financial corporations, regulatory agencies, and also consulting and accounting firms.

The MFin Programme offered by the Faculty of Business Economics represents an optimal mix of fundamental and cutting-edge knowledge in all areas of modern finance. The programme includes four basic courses in Financial Analysis that are based on the Chartered Financial Analysts (CFA) curriculum, specifically designed to broaden the candidates’ knowledge of Quantitative Analysis, Financial Statement Analysis, Economics and Fundamentals of Asset Valuation, such as investment valuation and portfolio management. These four courses, which will allow students to gain a solid knowledge base to prepare for all levels of the CFA examination, make up the Fundamental Core Module.

After successful completion of the Fundamental Core Module, students will continue their studies in one of the following three streams: Corporate Finance. Financial Engineering and Risk Management. Students need to take four Advanced Core Courses, two Stream Core Courses of respective streams as well as two elective courses from a pool of electives to make the total number of courses taken twelve.

The Programme offers three streams: 1) Corporate Finance, 2) Financial Engineering and 3) Risk Management. Students may concentrate in one of the three areas according to their interests and career aspirations. Students can be awarded the degree with double concentration in Corporate Finance and Financial Engineering, Corporate Finance and Risk Management, or Financial Engineering and Risk Management provided that they have successfully completed all the twelve core courses in both areas plus two electives.

The faculty of Master of Finance comes from a variety of educational backgrounds: finance, economics, statistics, mathematics, law, accounting, computer sciences as well as other quantitative disciplines.

Who Should Apply

This Programme is designed for people who have a keen interest in finance, preferably for those who have work experience in financial institutions, banks, or government regulatory bodies.

Business News – Los Angeles Times #business #news, #investing, #personal #finance, #economy, #stocks, #technology, #jobs



Bugatti CEO Wolfgang Durheim said his company would make the fastest, quickest and most luxurious production car on the planet. The result is the $3-million Bugatti Chiron.

L.A.’s biggest center of showrooms serving apparel industry insiders will soon open its doors to tenants outside of the rag trade. Office landlord Brookfield, the king of high-rises in downtown Los Angeles’ financial core, has taken over the hulking California Market Center in the fashion district.

James Rufus Koren

House Republicans this week threatened Richard Cordray, the embattled director of the Consumer Financial Protection Bureau, with contempt of Congress, saying his agency has not complied with a demand to provide documents related to Wells Fargo Co.’s unauthorized accounts scandal. In a staff report.

For two decades, maverick theater chain Alamo Drafthouse Cinema has attracted a cult following with its special events, in-seat food and beer service, and themed movie nights. But Alamo has never had a presence in L.A. the hometown of the movie business. That will change next year when the Austin.

Agents for the Federal Bureau of Investigation on Wednesday morning raided Proove Biosciences, an Irvine company that sells a DNA test it claims can determine whether a patient is at risk of addiction to opioid painkillers. In a press conference, FBI spokeswoman Cathy Kramer said the raid was part.

Verizon will cut 15% of the combined workforce of Yahoo and AOL in a merger expected to close next week, resulting in an estimated 2,100 layoffs, a source familiar with the plans told the Los Angeles Times. Yahoo s shareholders on Thursday approved the $4.5-billion sale of its core business to.

Financial companies led U.S. stock indexes up Thursday, nudging the Nasdaq composite index to a record high. The latest gains came as the stock market continued to trade mostly in a narrow range in the absence of major new economic data and ahead of next week s meeting of Federal Reserve policymakers.

The House voted along party lines Thursday to repeal many of the stricter regulations enacted after the 2008 financial crisis, taking the first step in a long-held Republican desire to roll back landmark rules they complain are hurting banks, restricting consumer credit and slowing economic growth.

A group of business leaders has sent a letter to the top members of the House and Senate Appropriations committees urging them to maintain basic research funding, especially in energy, that President Trump has proposed to slash or eliminate. The letter signed by 14 senior figures from the business.

For the second year in a row, shareholders of Alphabet, the parent company of Google, voted down a proposal asking the tech giant to publish a report on possible pay disparities between its male and female employees. The vote comes at a time when the company is grappling with a federal lawsuit.

As the U.S. government considers expanding a ban on laptop computers and other electronic devices from the cabins of commercial flights, federal data show that storing such devices in the cargo area of a plane could increase the risk of fires. Federal Aviation Administration statistics indicate.

Southern California s answer to the annual Pebble Beach Concours d Elegance is the San Marino Motor Classic, taking place June 11.

Question: My 17-year-old son is looking for an evening and weekend job. He s polite, well-spoken and clean-cut. But when he goes into places that are advertising, managers just tell him, Apply online (this includes the places that say Apply Inside ). He has applied to dozens of jobs online and.

Alamo Drafthouse Cinema, a quirky beer-selling theater chain, has formally agreed to open an outpost in downtown Los Angeles — news that comes with a sigh of relief for a local real estate developer laboring to overhaul an aging mall. It’s been almost three years since the Texas-based cinema group.

Heads up, Bakersfield residents — you may want to double check that your car doors are locked. With more than 7,000 car thefts in 2016, the metropolitan area had the highest rate of vehicle thefts in California, according to a National Insurance Crime Bureau report released Thursday. Bakersfield.

Los Angeles is home to hot tech firms such as Snap Inc. and Tinder, but Silicon Beach still has a long way to go to rival the tech industries of Silicon Valley or San Francisco. That’s according to a new study by real estate firm Cushman Wakefield that ranks Los Angeles 18th among the nation’s.

The latest version of the Fortune 500 list came out Wednesday, and it’s studded with California companies. The list, which ranks U.S. companies by total yearly revenue, includes 53 firms whose headquarters are in the Golden State — a total that’s second only to New York’s 54. (The list of 500 companies.

Former SpaceX technician Jason Blasdell contended he was fired from the Elon Musk-led company in 2014 because he raised concerns with management that testing protocols for rocket parts were not being followed and that test results were being falsified. But on Wednesday, a jury ruled that Blasdell’s.

In a departure from the Obama administration’s worker-friendly approach to labor violations, the U.S. Labor Department on Wednesday said it has retracted a standard for determining whether companies are responsible as “joint employers” for working conditions of people employed by franchisees, temp.

The U.S. entertainment and media business is expected to see modest-to-slow growth over the next five years, according to a new report from PricewaterhouseCoopers. The report singles out traditional sectors such as cinema and television as areas of sluggishness, while pointing to emerging industries.

Cutting and merging two agencies that investigate workplace discrimination won t reduce the government s enforcement power, Labor Secretary Alexander Acosta said Wednesday. But Democrats pointed to what they say is President Trump s broader effort to roll back decades of civil rights protections.

Uber fired 20 staffers following a report into harassment at the ride-hailing giant, but it did not release the names of those terminated. Here s why.

Banks and other financial companies led U.S. stocks slightly higher Wednesday, snapping the market s two-day losing streak. Energy companies slid, though, as U.S. crude oil had its biggest single-day drop in nearly three months. Trading was mostly subdued, with the major indexes trading in a narrow.

In its latest wave of cuts, Sears Holdings Corp. will close 66 Sears and Kmart stores across the country, including four in California, according to a person with knowledge of the situation. A list circulated internally on Tuesday said the California stores slated for closure are a Sears location.

SpaceX will launch the Air Force’s X-37B experimental spaceplane later this year, in the military’s latest vote of confidence in the Elon Musk-led space company. This will be the first time SpaceX has launched the uncrewed robotic vehicle. United Launch Alliance, a joint venture between Boeing.

It’s a dirty job, but somebody’s got to do it. And when it comes to the expensive, claustrophobic and sometimes dangerous work of inspecting natural gas and oil pipelines, that somebody might be a robot. “We can make sure that these critical elements of energy infrastructure operate more safely.

Surf Air, the membership airline based in Santa Monica, has acquired a Texas counterpart and announced plans to expand to nearly a dozen new destinations. Surf Air declined to reveal how much it paid for Dallas-based Rise airline. The deal adds Rise’s 1,000 members to Surf Air’s 3,000 members and.

America s top patent and trademark official has abruptly resigned from her post. Michelle Lee, who has been director of the U.S. Patent and Trademark Office for more than two years, submitted a letter of resignation Tuesday afternoon. I am confident that the leadership team in place will serve.

Tom Cruises s The Mummy faces a tough challenge at the box office against Wonder Woman.

California energy officials are, for the first time, rethinking plans to build expensive natural gas power plants in the face of an electricity glut and growing use of cleaner and cheaper energy alternatives. The Los Angeles Department of Water and Power announced Tuesday that it has put a hold.

Business Articles

This advertiser has no influence over Editorial decisions or content.

Each workday, the average American spends 8.8 hours at work or on work-related activities, according to the Bureau of Labor Statistics. That’s even more time than people spend sleeping. And because we spend so much time at work, it s in your and your employer’s best interest to make workplaces.

Starting your own business can nurture your entrepreneurial spirit, earn you some money and give you the opportunity to spend more time with your family — including your pets. So what job can you do that doesn t necessarily require a degree, affords you time flexibility, is in a growing industry.

Doughnut Plant founder Mark Isreal brought his latest creation to life with the help of 80,000 points earned with his Chase Ink card. Here s how he pulled it off. Save Save

Brixton Prison information #hmp #finance


Brixton Prison information

The original buildings date from 1819. In 1862 the prison was sold to the Government and converted into a prison for females. Twenty years later it was again converted, this time as a military prison, and in 1898, when it was returned to the Prison Commissioners, the buildings were enlarged and improved and made the trial and remand prison for the whole of the London area.

In July 2012, following a long history as a named prison, Brixton became a resettlement prison, housing category C/D prisoners. it no longer serves any courts.


Jebb Avenue

Governor: Edmond Tullett

Operational capacity: 798 as of 24th August 2008

Our population break down is as follows:

  • A Wing – 215 prisoners including the Drug Recovery Wing
  • B Wing – 150 prisoners
  • C Wing – 133 Category D prisoners
  • D Wing – 50 Category D prisoners
  • G Wing – 250 Category C vulnerable offenders

Brixton is in transition at the moment. It is receiving significant investment in new water mains, fire alarms, as well as refurbishment of existing education space and the building of a new regime building. Together this will hugely enhance our ability to deliver education and workshop activity, and help prisoners prepare for release and reducing reoffending.

HMP Brixton resettlement initiatives

A4e: Provides education programmes such as ESOL (English for students of other Languages), maths, English, Writing for Purpose, Radio Production, Health and Safety, Graphics, Retail and Customer Services, Fashion, Business Enterprise, Business Administration, Peer Mentoring, Cleaning Services, Work Ready Programme, Horticulture, ITQ, Open University and Distance Learning.

Drug services: (Counselling, Assessment, Referral, Advice and Throughcare) services at HMP BRIXTON. This service is available to anyone that misuses drugs and wants support addressing their drug use. SOTP: for G-wing’s vulnerable prisoners.

Jobcentre Plus: Services include providing referrals to work programme and advance claim to benefit for prisoners who are due for release for up to 8 weeks, including community care grants and jobseekers allowance.

St. Giles Trust: Helping with housing advice and resettlement services and also offering a course in Advice and Guidance.

Phoenix Futures (formerly ADFAM): The Phoenix Futures Family Support Service provides support and guidance to the families and prisoners affected by substance misuse, the men can refer their family members themselves but most of the referrals come via their Substance Misuse worker.

Spurgeons: Providing support to families and friends through Visitors Centres at London Prisons.

The Clink: The Clink Charity, in partnership with HMPS, offers prisoners training towards gaining a nationally recognised NVQ qualification. Upon release, the Clink Charity helps graduates find employment within the catering and hospitality industry, and mentors them weekly for 6-12 months to help them reintegrate back into society and not reoffend.

Bad boys bakery: employing 12 prisoners but about to ramp up delivery of the lemon curd treacle cakes from 15 Café Nero outlets in the Brixton area to 190 throughout London which will involve not only making the product but distributing it.

Chaplaincy: Prisoners are given access to faith based services within the establishment. ‘FAITH IN THE FUTURE’: a six week, full-time, Christian resettlement course. It runs for 30 men, five times a year and covers victim awareness, budgeting, parenting, communication skills and employability. We discuss moral issues and have a module called Christianity Explored. The course is open to men of any faith and who are willing to explore resettlement issues from a Christian perspective.

Radio station: The PRA is an award-winning education charity that engages hard-to-reach prisoners in the production of radio programming and encourages the prison radio audience to become active learners, engaging with the range of advice, support services and opportunities available to them.

Keepout: The Crime Diversion Scheme.

Other partners: We have already established links with various external partners, such as Bounceback (Painting and Decorating), Sue Ryder and Handmade Alliance in terms of providing work and employment opportunities, and we hold regular resettlement events to continue to build our partnerships.

Updated: Tuesday, 4 April 2017

Citizen and business advice

FHA Mobile Home Loan – Manufactured Home Loans #re #finance #home #loan


[an error occurred while processing this directive] mortgage loan programs available in :
Alabama, Alaska, California, Colorado, Florida, Montana, Indiana, Louisiana, Maryland, Minnesota, Mississippi, Missouri, New Mexico, North Carolina, North Dakota, Pennsylvania, South Carolina, South Dakota, Tennessee and Texas

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Mobile Home Loan

You can finance a manufactured home using the low rate FHA loan.

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Getting a low interest rate mobile home loan is very possible using the FHA mortgage program. The reality is that in many areas, manufactured homes. also known as Mobile Homes. are the primary residence of choice and one of the most difficult types of homes to get a competitive low interest rate home loan on. Enter the FHA mortgage program. Learn more. Use our quick quote form!

In many instances, the actual purchase price for a mobile home with land is much lower than a conventional home and allows a wider range of prospective home buyers to become home owners. The FHA mobile home loan allows for both Double Wide and Single Widemanufactured home financing under FHA underwriting terms and conditions (which can be reviewed here ).

You’ll get a high quality low fixed rate. and in most instances, you will get a much higher loan-to-value (up to 96.5% financing) than you will ever find in the conventional or secondary loan market.

Best of all, the seller may contribute up to 6% towards the payment of your closing costs. Also, gifts from HUD qualified sources may be used to meet 100% of the minimum down payment requirements. Get started today with a low rate mobile home loan by using our quick quote application!

Mobile Home Lending Criteria

General Eligibility Criteria For Manufactured Housing By HUD:

  1. The home must be constructed in conformance with the Federal Manufactured Home Construction and Safety Standards as evidenced by the affixed certification label. This is the RED TAG that is on the rear of each section of the manufactured home. If the RED TAG is missing, the house is not eligible for Section 184 financing.
  2. Only manufactured homes built after June 15, 1976 will bear that seal. Manufactured homes built before that date are ineligible for Section 184 financing.
  3. The home must be classified and taxed as real estate (as applicable).
  4. The mortgage must cover both the manufactured unit and its site, or the appropriate lease documents must be in place. The mortgage must have a term of no more than 30 years from the date amortization begins.
  5. The manufactured home must not have been installed or occupied previously at any other site or location.
  6. The finished grade elevation beneath the manufactured home or, if a basement is used, the lowest exterior grade adjacent to the perimeter enclosure, must be at or above the 100-year return frequency flood elevation.
  7. The house must be permanently attached to the foundation system. Existing homes must be attached to the foundation system by either cable or rebar welded to the frame rail or similar fashion. The unit must be anchored to the footing (or pier).
  8. The axles and tongue must be removed from the unit. The chassis must stay in place.
  9. The house must have adequate skirting and insulation around the perimeter to prevent the crawl space area from freezing and allow proper ventilation of the crawl space. If the skirting is wood, the wood must be properly treated to prevent decay.

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Class Action #class #action,lawsuit #loans,settlement #funding,litigation #finance,class #action #lawsuit #funding,class #action #settlement #funding


Class Action

Class Action Lawsuit Funding

Class Action Litigation Finance

Are you a plaintiff in a class action lawsuit and need settlement funding to help your financial situation? If the answer is yes, USA Lawsuit Loans is the solution you’ve been looking for. USA Lawsuit Loans provides plaintiffs and attorneys with low interest class action lawsuit loans and fast class action lawsuit funding. Our class action settlement financing services are not based on your personal credit or work history but rather on the strengths and merits of your lawsuit. Most importantly, our lawsuit cash advances for class action lawsuits are non-recourse, this means you only repay your class action lawsuit loan if you win or settle case, and otherwise the money is simply yours to keep. You may receive your lawsuit cash advance within 24 hours after you have applied. The road to financial freedom starts here, so get your settlement loan by contacting USA Lawsuit Loans today at 866-840-4498 or by filling out our quick class action lawsuit funding online application .

Class Action Settlement Funding

Class Action Lawsuit Loans

In legislation, a class lawsuit. a class action. as well as a representative action is a type of lawsuit whereby a large number of individuals together bring a claim to court and/or where a class of defendants are sued. Class actions lawsuits are commonly known as “class action suits”. But yet the phrase “class action lawsuit” is redundant as the customary difference between suits at law and action in justness are not recognized anymore. These types of collective lawsuits were established in the US which happens to be nonetheless predominantly a US paradox. In spite of this, in a number of European nations with civil law, in contrast to the Anglo-American prevalent law system, have integrate adjustments in recent years that permit individual organizations to deliver claims with respect to significant groups of individuals. In conclusion a class action lawsuit is a suit formed on behalf of numerous similarly situated individuals who have been harmed in a similar fashion by the exact entity.

USA Lawsuit Loans is a lawsuit funding company that provides low interest lawsuit cash advances for plaintiffs of class action lawsuit throughout the United States. If you believed you have been wronged by a corporation via negligence of a company, manufacturer, or investment firm and are involved in the litigation process, a litigation loan from USA Lawsuit Loans may be of great value to help you sustain your financial obligations. There’s no set limit on how money you may borrow and we no restrictions on how you spend your class action lawsuit loan.

Why is class action lawsuit funding from USA Lawsuit Loans your best choice?

  • We’ve provided funding for some of the biggest class action lawsuits cases in the country
  • We guarantee the best rates
  • We offer non-recourse lawsuit funding. repay only if you win or settle your case
  • We work quickly to approve your lawsuit funds
  • Working funds to pay costly litigation
  • Money for purchasing a new vehicle
  • Money for your dream home

Legal Funding For Class Action Lawsuit

Class Action Litigation Financing

Class action law firms fight challenging lawsuits for their clients on a federal as well as a state level. Class action attorneys may initiate legal procedures many years away in advance of a possible settlement. Many companies will pay millions of dollars out of pocket in preparation expenditures and litigation. Class action lawsuits are the lengthiest particular lawsuits reference to timeframe in the process to acquire a settlement in the over-all legal sector. Such class action law firms that represent not simply one person but a significant group of people and/or businesses are at frequently unwilling to even consider a low ball settlement offers. The plaintiffs which have been unfavorably afflicted perhaps physically as well as economically ought to think of lawsuit settlement funding in an effort to overcome financial problems. Once you apply for a lawsuit cash advance, the money may be available in 48 hours or less, USA Lawsuit Loans is fast to approve your class action settlement funding .

Here are some class action lawsuits examples:

  • Renters and homeowners impacted by a toxic spill in their community.
  • Consumers who acquired the similar faulty merchandise or were injured by unfair profession practices made by a company.
  • Employees confronted with routine or unbiased behavior due to religious beliefs, age, and gender discrimination by their employer.
  • Patients giving prescriptions without disclosing, harmful side-effects.
  • Consumers and merchants who buy goods at inflated prices as a result of the anti-competitive actions of large companies.
  • Investors that might be victimized by scams with regards to the selling or buying of stocks along with securities.

Apply for Class Action Litigation Funding

Best Rates for Class Action Lawsuit Funding

If you are involved in a Class Action lawsuit and need legal financing to assist you with the high cost of litigation or to a help you keep your business up float, USA Lawsuit Loans is your answer. We provide legal funding at any stage of your Class Action lawsuit. USA Lawsuit Loans offers the lowest rates in the class action lawsuit financing industry and we work fast to approve your lawsuit loan request. Upon receiving the supporting documents for your Class Action lawsuit we can have you approved for Class Action funding in as little as 48 hours. Receive the lawsuit cash advance you need today by completing our fast and easy litigation funding online application or by calling USA Lawsuit Loans at 1-866-840-4498. We look forward to becoming your legal funding solution for your lawsuit funding and litigation financing needs. USA Lawsuit Loans is your one stop for all of your Class Action funding needs. We are ready to compete for your business and offer you the best rates for Class Action lawsuit funding .

Our Lawsuit Funding Types

Your Litigation Funding Options

USA Lawsuit Loans is a highly respected lawsuit funding company that cares about the their clients and hopes to provide financial stability for people going through the extensive court processes associated in a lawsuit. USA Lawsuit Loans in addition provides litigation funding for: Pre Settlement Funding, Post Settlement Funding, Structured Settlement Funding, Commercial Lawsuit Funding, and Law Firm Funding .

Class Action Settlement loans by States

Class Action Lawsuit Funding in Your State

Two Degrees – Two Degrees #top #finance #degrees


About Two Degrees

Two Degrees is a talent resources firm providing professionals on an interim, project or direct placement basis with experience in a variety of areas such as accounting, finance, performance management, business intelligence and analytics, among others.

The name Two Degrees is based on the theory of two degrees of separation, where our customers and employees or candidates are connected through Two Degrees. Since starting our business in 1993, Two Degrees has built a solid reputation as being a well-networked company that matches and connects our talented professionals to teams in companies ranging in size from emerging to enterprise. Everyone wins when our customers meet their business goals with the influence of the teams we built together and also when all team members experience rewarding careers along the way. Our purpose is to enable our customers, employees and candidates to realize their own purpose.


Founded in 1993

A Division of Slalom, LLC

Fortune 500 Customers

Interim, Project or Direct Placement

Two Degrees is a division of Slalom, LLC, a Seattle-based, global company that includes Slalom Consulting and Versa Resources. As a combined enterprise we employ over 3,500 employees, serving Fortune 500, mid-sized companies, and emerging businesses.

Our success comes from doing what is right for our customers, employees and candidates. We are excited and always ready to build your team with you.


Accounting Finance Services



Build your career at Two Degrees

We want to connect with candidates with experience at all levels in accounting, finance, performance management, business intelligence and analytics.

Join the Two Degrees team as an Associate

As an Associate, you’ll work with our customers on interim roles or projects that are rewarding and impactful. You ll build your skills when working with a variety of companies on diverse assignments. We are looking for professionals who can adapt easily to our customer s teams and apply their expertise to help them achieve their business goals. In addition to our competitive pay, we offer benefits such as 401(k) with match, medical, dental, vision and life insurance, paid time off, holidays and more.

Work with us to find your next position

Since 1993, we ve developed strong, long-term relationships with hiring managers at companies of all sizes. If you re looking for a new position and want the inside track on what s available, let s talk. We ve worked with thousands of candidates to find their dream job and develop their career.

Please go to the Contact Us page to send your resume or connect with us to talk about your next move.

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We are an equal opportunity employer, and strive to find ways to attract, develop, and retain highly qualified individuals representing the diverse communities in which we live. Decisions and criteria concerning the employment relationship with all employees are made in a non-discriminatory manner, without regard to race, color, creed, religion, gender, national origin, ancestry, age, marital status, sexual orientation, gender identity, veteran’s status, citizenship, disability (as defined by applicable law) or any other characteristic protected by law.


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UIW MHA #uiw, #school, #university, #graduate, #masters, #degree, #program, #business, #administration, #mha, #health, #finance, #accounting, #san #antonio, #texas


UIW MHA Program | Master of Health Administration

Master of Health Administration at UIW

At a private university nestled in the heart of the 2nd largest city in Texas, San Antonio, the School of Business and Administration offers a unique atmosphere where regional charm meets a cosmopolitan culture. Students can expect a practical education that emphasizes a global reach with respect to international and cultural understanding. The HEBSBA offers high-quality undergraduate programs steeped in the UIW traditions of faith, service, innovation, truth, and education.

About Us

UIW’s H-E-B School of Business Administration’s Master of Health Administration degree is a 21 month, 45-hour program designed for those seeking early career positions within the healthcare industry. It is ideal for those currently in the workforce as the courses are offered in the evenings. Built upon a foundation of 24 competencies critical to the managerial success of healthcare administration professionals, the Master of Health Administration degree will provide students with a health systems perspective built upon an understanding of health and disease, as well as the economic and social factors that influence the industry.

Courses focus on and integrate managerial responsibilities, functions, and roles related to human resources management, budgeting and financial decision making, legal and ethical issues, quality and continuous improvement, information management, marketing, health policy and strategic thinking within the context of the healthcare industry. In addition, students are provided a wide range of opportunities to gain real world healthcare experience.

Read more about the experiential learning opportunities!

Why Pursue a career in healthcare management?

Do you want to make a difference? Do you care about people? Do you want flexibility and good earning potential in your career? Are you up to a life long challenge? Then a career in Healthcare Management is the choice for you. Here are the facts!

  • Excellent earning potential – $99,000 annually (San Antonio, Texas median for 2014)
  • Rapid healthcare employment growth with Texas being third highest in the nation for employment in this industry.
  • Make a difference and improve the lives of hundreds, even thousands of people everyday. Healthcare executives care deeply about the people they work with and serve.
  • Career flexibility with a variety of health settings in which to work.
  • Read more.

MHA Completion Rates Careers

Below are the statistics on our UIW MHA Program Graduates. Over the past three years our graduates have been employed in the following settings:

  • 25% in Hospital or Health Systems
  • 15% in the Military or VA system
  • 12% in Medical Clinics or Physician Practices
  • 8% have pursued further education
  • 4% work in Pharmaceutical/ Medical Device Company

Of our remaining graduates, a combined 13% work in other healthcare industry settings and 13% are employed outside of healthcare, and 20% are international. The employment status of the final 8% is unknown.

MHA Gradating Class of 2017

  • MHA Class of 2017

  • MHA Class of 2018

  • MHA Class of 2016

  • Inductees to the Upsilon Phi Delta Honor Society for Health Administration 2015

  • MHA Class of 2014

  • Spring 2014 Graduation Ceremony

  • Graduating Class of 2012 with faculty

  • MHA Class of 2011

  • MHA Class of 2011 at Graduation

  • Best Credit Cards for Small-Business Owners in 2013 #credit #cards,financing,credit #card #rewards,personal #finance,reward #programs,finance


    Best Credit Cards for Small-Business Owners in 2013

    If you have to accumulate charges on plastic to launch or build your business, you ought to be using one of the best credit cards out there so that you get money back and earn rewards.

    The credit-card comparison website today is releasing its analysis of more than 1,000 business and personal credit cards for small-business owners. The analysis ranks them by four categories:

    • Earning rewards
    • Longer-term funding
    • Decreasing the cost of existing debt
    • Building a credit history

    Surprisingly, in this analysis consumer credit cards are sometimes the best option for small-business owners, says. The Credit Card Accountability Responsibility and Disclosure Act. known as the CARD Act, which was passed in 2009 and went into effect in 2010, instituted measures of transparency and accountability in the credit-card industry. However, the protections were not extended to business credit cards.

    Here is a look at the recommended credit-card options from Washington, D.C.-based, by personal finance priority.

    Rewards credit-cards:
    1. Ink Plus Business Card from Chase . If you spend $5,000 in the first three months of signing up for the Ink Plus Business Card, you will receive 50,000 bonus points. Also, for every dollar you spend on office supplies and telecommunications services, you can earn another five points, up to $50,000 per year. For every dollar you spend on gas and hotel accommodations, you can earn two points, up to $50,000 per year. The annual fee on this card is $95 after the first year. Of course, as with all credit cards, it s a good idea to pay off the balance on a monthly basis to avoid being charged interest. Because the CARD Act protections do not extend to business credit-cards, your interest rates can be changed at any time on credit cards specifically designated for businesses.

    2. Club Carlson Business Rewards Credit Card from Visa . This card is especially good for entrepreneurs who spend a lot of time living out of a suitcase and like Radisson hotels. The card offers 50,000 bonus points after your first purchase and 35,000 additional points if you spend more than $2,500 in the first three months of signing up. Those 85,000 points can be exchanged for as many as 18 free nights in Club Carlson hotels. If you book more than two consecutive nights at a hotel with the Club Carlson, the last night is free. While Club Carlson may not be a familiar brand for you, it is the parent company of chains including the Radisson, Park Plaza and Country Inn. There is a $75 annual fee.

    3. Capital One Spark Cash for Businesses . This credit-card gives you two percent cash back on any purchase, and while that is slightly less than you can get back for specific categories of purchases on other cards, that this card offers some cash back on all purchases makes it especially convenient, the report says. Also, if you spend $1000 in the first three months, you will get $100 as a bonus. If you authorize an employee to use your card, you get another $50 bonus. The annual fee is $59 after the first year.

    Business funding:
    1. Citi Diamond Preferred . Approximately one-third of small-business owners use credit-cards for financing, according to the most recent National Small Business Association access to capital report. If you are looking to finance a larger purchase on a credit card, having an extended period of time where you don t accrue interest is key. This credit card from Citi offers zero percent interest rate for 18 months, the longest in the industry, according to The Citi Diamond is a consumer credit-card. Not only are consumer-credit cards protected under the CARD Act, but also they tend to have longer periods with zero interest, says CardHub CEO Odysseas Papadimitriou.

    2. Bank of America Cash Rewards for Business MasterCard . Bank of America is the only large, primary card issuer to have voluntarily applied the CARD Act protections to its small-business offerings. This credit-card offers no interest payments on new purchases for nine months. Also, you can get three percent cash back at gas stations and office supply stores, two percent at restaurants and one percent for all other purchases.

    Lower the cost of debt:
    1. No Balance Transfer Fee Slate Card from Chase . About half of small-business owners carry credit-card debt from month to month, says. If you are one of them, the Slate Card from Chase is your best option because there are no fees for transferring your balance, says Papadimitriou, who is amazed this option is available anywhere because it is not a profitable offering for card issuers. Also, once you transfer your debt to the Slate Card, there are no finance charges for 15 months. There is no annual fee.

    Build credit:
    1. Capital One Spark Classic for Business . Building a good credit history takes time. The only way a specific credit card will help is by having no annual fee, says Papadimitriou, allowing you to use all your cash to pay off debt. Also, the Capital One Spark credit-card gives one percent cash back.

    2. Harley-Davidson Secured Credit Card . If you don t have credit, or have bad credit, the Harley-Davidson Secured Card is a way to build credit. You have to make a security deposit to open the credit card and you can spend only as much as you have deposited. You can add more cash to your deposit to increase your credit limit. A bonus to this card is that it waives the annual fee for the first year.

    Corrections Amplifications: An earlier version of this article incorrectly referred to Ink Plus Card as charge card. It is a credit card.

    Catherine Clifford

    Oil and Gas Training, Workshops, Seminars and Programs for the Petroleum Industry #petroleum, #oil, #and #gas #industry, #oil #and #gas #training #courses #in #houston #texas, #workshops, #seminars #and #programs, #upstream #exploration, #production #training; #downstream #processing #training; #leadership, #human #resources, #office #administration #training, #manpower #development, #health #safety, #environmental #training, #finance #workshops, #accounts, #taxation, #joint-venture #jv #operations #trainings; #petroleum #economics, #risk #analysis, #project #management #trainings, #public #relations, #communications #workshops #and #seminars, #maintenance #engineering #training, #mineral #processings #courses, #oil #and #gas #training #professionals.


    Petroleum Training Courses, Workshops, Seminars Consulting Services

    SmartKoncept is The One Stop Total Solution Place for your Training, Manpower Development, Consulting and Procurement in the Petroleum Oil and Gas Industry.

    Why Customers Prefer SmartKoncept Training Services

    • Practical Total Solution Center. SmartKoncept is a one stop Total Solution center for training and services for the petroleum industry. As a broad-spectrum training organization, SmartKoncept provides comprehensive training courses, practical workshops, interactive seminars programs, manpower development and consulting services, for most personnel, categories and departments in the Oil and gas industry. Our training and service offerings cover upstream exploration, production, leadership, human resources and office administration, health safety and environments, finance and economics, project management and accounts, public relations and communications, maintenance, engineering, and downstream processing. Also, we offer many introductory courses for non-industry personnel experts. Most of our programs combine formal lectures, workshops and practical field trips.
    • Services Close to the Customer with Global Presence. SmartKoncept is global Organization with regional centers in Europe, Middle East, Africa, North and Latin America. We work to bring our services closer to our clients and provide them the flexibility they require.
    • Flexible Onsite/Offsite or Scheduled Training: We offer modern, flexible approach to training, delivering when and where suits you. We offer both scheduled, non-scheduled and customized, onsite/offsite Training courses and workshop programs for the convenience of our clients in the industry. We are well structured and committed to help you accomplish your goals. Our programs are flexible and delivered by team of internationally experienced experts in the Petroleum Oil and Gas Industry. You can choose from one-on-one customized on-site or in-house coaching, to group schedule workshops, seminars, training courses in any of our regional locations worldwide. We can design training and manpower development courses and deliver them inhouse, onsite at your location or remote regardless of location, time and size. Done with practical engaging approach that is focused on knowledge transfer within your setting.

    Customer Feedback

    “I wish to seize this opportunity to express my sincere appreciation to SmartKoncept. SmartKoncept has improved tremendously over years. The resource people (consultants) are high standing in their chosen fields. Your Support staff, were wonderful. You are there and keep improving to remain at the top.

    – Mgr Frontier Exploration

    The training was so useful to us. We learnt a lot on exploration and production (upstream) side because it was the area where we didn’t have any knowledge. Also on the processing operations the knowledge that we get was so good and we can apply in our company to improve our operations. The instructor was so good, understandable and tried his level best to make sure that we have understand each and everything. Big up for him. For sure we appreciated for that.

    – Tanzania Petroleum
    Development Corporation TPDC

  • Experienced and Quality Manpower: We have a team of internationally experienced instructors, consultants and service personnel are seasoned Best Experienced Experts and leaders in the petroleum Industry (in each segment) to train, share knowledge and information so that SmartKoncept’s Clients become well informed, trained, qualified, competent to profitably, efficiently produce, position and deliver their products, services and solutions to satisfactorily meet the needs and expectations of their customers. We deliver, quality, uptodate knowledge and information… in … smart state of the art environment.
  • Guarantee of Customer Service with Satisfaction: From North America, to Europe, Africa and Middle East, our customer service is second to none. This is one of our unique speciality. From initial customer inquiry, to course registration, travel, visa and immigration, arrival and participation in your training, our experienced and friendly customer service personnel are never far away, lending a hand to our clients as may be required. Our training course, workshops, and interactive seminar centers combine modern state-of-the-art conference facilities, enabling participants to conduct their programs in a relaxed, and friendly environmental.
  • Commitment to growth and success of our Clients: Important as both process and products always are, our success nevertheless rests on the success of each of our clients. As such, our Clients, regardless of size and location, are treated as partners in the quest for growth and success. We are Cost effective, and result oriented for our customers success. We focus to help equip their Employees, their main asset, through training and manpower development with relevant knowledge required for them to efficiently perform. We also show them how to profitably use the asset to produce, position and get their products and services to own customers.
  • Our Clients include Addax Petroleum, Total, Agip, Shell, ExxonMobil, PEMEX, Ecopetrol, NNPC, Sonangol, PetroJam, QataGas, Mubadala, Harouge oil, NPA, NOCAL, Etc. See our Customers section for additional information.
  • At SmartKoncept, we keep our promises to our clients. We operate with Professional Integrity, Cultural sensitivity and respect, and Safe Practices, Condusive Environment and appropriate format and medium for delivery of services/solutions to Clients.
  • We offer several courses in upstream exploration and production training; downstream processing training; leadership, human resources and office administration training and manpower development; health safety and environments training and workshops; finance, accounts, taxation and Joint-venture JV operations trainings; Petroleum economics, risk analysis and project management trainings; public relations and communications workshops and seminars; maintenance engineering training courses and mineral processings courses. We offer courses for oil and gas professionals wishing to improve or refresh their skills and knowledge. Also, we offer many introductory training courses for non-experts, or those new to the Petroleum Oil and Gas Industry. Most of our programs combine formal lectures, workshops and practical field trips.

    Latest News

    Trainings & courses available outside US:

    June 5 – 16, 2017.

    Kia Dealer Littleton CO New ?>

    • Sales Department
    • Monday 8:30 am – 8:30 pm
    • Tuesday 8:30 am – 8:30 pm
    • Wednesday 8:30 am – 8:30 pm
    • Thursday 8:30 am – 8:30 pm
    • Friday 8:30 am – 8:30 pm
    • Saturday 8:30 am – 7:30 pm
    • Sunday Closed
    • Service Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 6:00 pm
    • Saturday 8:00 am – 4:00 pm
    • Sunday Closed
    • Parts Department
    • Monday 7:00 am – 7:00 pm
    • Tuesday 7:00 am – 7:00 pm
    • Wednesday 7:00 am – 7:00 pm
    • Thursday 7:00 am – 7:00 pm
    • Friday 7:00 am – 6:00 pm
    • Saturday 8:00 am – 4:00 pm
    • Sunday Closed

    Peak Kia Littleton located in Littleton, CO, near Denver, CO.

    Visit Peak Kia Littleton in Littleton, CO for the 2017 or 2018 Kia.

    Peak Kia Littleton carries the following new Kia models:

    We Are Your Littleton, CO New and Certified Pre-owned Kia Dealership near Denver, Wheat Ridge, Castle Rock, Monument, Longmont, Boulder, Castle Pines, Parker, Highlands Ranch, Lone Tree, Roxborough Park, Lakewood, Westminster, Evergreen, Centennial, Aurora, Golden, Morrison, Loveland, Englewood, Arvada.

    Are you wondering, where is Peak Kia Littleton or what is the closest Kia dealer near me? Peak Kia Littleton is located at 5077 S. Wadsworth Blvd, Littleton, CO 80123. You can call our Sales Department at 888-655-5834, Service Department at 303-904-7801, or our Parts Department at 303-904-7818. Although Peak Kia Littleton in Littleton, Colorado is not open 24 hours a day, seven days a week – our website is always open. On our website, you can research and view photos of the new Kia models such as the Cadenza, Forte, Forte Koup, Forte5, K900, Niro, Optima, Optima Hybrid, Optima Plug-In Hybrid, Rio, Rio 5-Door, Rio5, Rondo, Sedona, Sorento, Soul, Soul EV or Sportage that you would like to purchase or lease. You can also search our entire inventory of new and used vehicles, value your trade-in, and visit our Meet the Staff page to familiarize yourself with our staff who are committed to making your visit to Peak Kia Littleton a great experience every time.

    New Kia Models for Sale at Peak Kia Littleton

    Looking for a new 2017 or 2018 Kia? Look no further than Peak Kia Littleton in Littleton, Colorado. We offer a full lineup of new Kia vehicles. Our knowledgeable Peak Kia Littleton new car dealer staff is dedicated and will work with you to put you behind the wheel of the Kia vehicle you want, at an affordable price. Feel free to browse our online inventory, request more information about our vehicles, or set up a test drive with a sales associate.

    Used Cars, Trucks, and SUVs for Sale at Peak Kia Littleton

    As a leading Kia dealer near Denver, Peak Kia Littleton also has a wide variety of pre-owned cars, trucks, and SUVs for you to choose from. Each of our used vehicles has undergone a rigorous inspection to ensure the highest quality used cars, trucks, and SUVs in Colorado. Stop by Peak Kia Littleton or search our online inventory to find the used car, truck, or SUV that is right for you. We have used cars, trucks, and SUVs for every need and budget. Our expert staff will work to get you in the vehicle you want for an affordable price.

    Auto Finance, Loans, Leasing, and Pre-approvals

    Visit our Peak Kia Littleton finance page to get pre-approved today! The staff within our Finance Department is dedicated to putting you in the car you want, at a price you can afford. We also offer competitive auto leasing options for our customers who are not looking to purchase or finance a vehicle. Whether you are looking to finance or lease your new Kia car, truck, or SUV, our finance experts will work to arrange affordable payments for our customers.

    Auto Body Repair, Service, Parts, and Accessories

    Our state-of-the-art Service Department here at Peak Kia Littleton will keep your new Kia vehicle or used car in excellent condition. The diagnostic equipment operated by our expert mechanics will detect any issues that may be occurring in your vehicle so that our Kia trained service technicians can fix the problem right the first time. We offer all the auto services, maintenance, and parts you need to keep your vehicle running like new, even if all you need is an oil change. Visit our Service Department page to schedule a service appointment, or our Parts Department page to order parts for your new Kia, or for more information about any of the services offered by Peak Kia Littleton.

    2017 Peak Kia Littleton. All Rights Reserved.

    Check your bond funds before interest rates rise #personal #finance, #municipal #bonds, #vanguard #total #bond #market #index #fund #investor #shares, #personal #finance, #savings, #retirement, #business #news


    Check your bond funds before interest rates rise

    Now that the Fed is expected to gradually increase rates, perhaps as early as December, investors should check the average duration in their bond funds to make sure they are comfortable with the level of interest-rate risk they are taking.

    “Many investors could be sitting on a ticking time bomb,” said Ashish Shah, chief investment officer of global credit and head of fixed income for AllianceBernstein. “They won’t likely realize much more price appreciation, but they continue to have very long duration.”

    This is especially true for investors in bond index funds where the average duration, or sensitivity to interest rate change as measured in years, is higher than for actively managed bond funds.

    Globally, bond index funds have an average duration of 7.5 years and an average yield of 1.8 percent whereas actively managed bond funds have an average duration of 5.8 years and an average yield of 3.3 percent, according to Shah’s research.

    “If rates were to rise by 1 percentage point, these passive funds could lose as much as 7.5 percent,” Shah said.

    However, credit quality and yield in a bond fund, whether it is active or passive, could cushion the blow from having longer duration bonds in a portfolio.

    There is a smaller gap in the average duration and yields for U.S. active and passive bond funds than global funds.

    The average U.S. intermediate-term bond fund has a duration of 5.4 years and a yield of 2.2 percent while the average actively managed U.S. intermediate-term bond fund has a duration of 4.9 years and a yield of 2.5 percent, according to investment research firm Morningstar.

    A similar trend exists for municipal bond funds, which offer investors federal and state tax advantages. The average muni bond fund has a duration of 5 years and a yield of 2.74 percent whereas iShares National Muni Bond ETF. the largest municipal bond exchange-traded fund, has a duration of 4.75 years and a 2.25 percent yield.

    Compare the duration of the largest actively managed and passive U.S. intermediate-bond funds by assets under management in the tables below to see the trade-off between duration and return.

    “A dollar allocation to active bond funds is not same as a dollar allocation to passive bond funds,” said Shah, whose parent company sponsors a family of actively managed mutual funds. “Unlike passive funds, active bond funds have the ability to shorten their duration going into a rate sell-off.”

    Online MBA – Master of Business Administration (MBA) – Azusa Pacific University #online #mba #finance #programs

    Azusa Pacific University

    Featured Links

    At a Glance

    *Base Cost (cost per unit x program units) is provided to aid in program comparison only.

    All stated financial information is subject to change. View additional tuition information .

    Online MBA

    APU’s MBA program offers a highly accessible and comprehensive online option, allowing you to earn your degree in a flexible environment without sacrificing the high-quality instruction and professor-student interaction for which APU is known.

    Flexible Format

    The dynamic format of the online MBA offers students the flexibility of taking courses wherever and whenever is most convenient for them. Students benefit from courses designed to maximize their interaction with other students and professors, creating a rich learning community. For many, the online format is the easiest, most convenient way to balance work, school, and family.

    Convenient Schedule

    APU’s School of Business and Management operates on a year-round schedule, with each academic year divided into 8-week sessions (see the academic calendar for dates). Most students take one to two classes per session, completing their degree in 15-30 months. While students can choose to extend the length of their program past the average completion time by taking fewer units per term, the School of Business and Management requires completion of a graduate degree within five years of initial enrollment.

    New students are accepted to the online option throughout the year. The application deadline is approximately four weeks before the start of any session. For more information or to get started, contact APU’s Office of Graduate Admissions at (626) 815-4570 or .

    Time Commitment

    While your classes do not require you to be online during a specific timeframe, you should plan to be online 6-10 hours per week per unit to successfully complete assignments and participate in discussions.

    Committed to Your Success

    We want you to feel confident as you earn your degree online. That’s why all of our online programs include a two-week online orientation prior to the start of the first class; this offers you a chance to become familiar with the online format as you engage with helpful tutorials. Students also have access to the program coordinator to discuss scheduling classes. Academic advising provides an opportunity to continuously monitor your progress and individualize your programs of study. Keep in mind that all graduate students are required to maintain a minimum cumulative grade-point average of 3.0 on a 4.0 scale for the duration of the program.

    Note: This information is current for the 2016-17 academic year; however, all stated academic information is subject to change. Please refer to the current Academic Catalog for more information.

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    Invoice finance #invoice #finance,sales #invoice,capital #requirements,funding #working #capital,invoice #finance #solutions,anz #invoice #solutions


    Invoice finance

    Invoice Finance can reduce your working capital pressures by providing same day funding on outstanding invoices. *

    In addition, it can enhance your business growth by allowing you to access up to 80% of your invoices by the next working day. ^

    If you are looking for a product that will accelerate your business growth and add value to your day to day operations, an invoice finance solution may be right for you.

    Benefits at a glance

    • Flexible funding option that leverages your sales and reduces the reliance on traditional forms of security (i.e. property).
    • Finance that can grow with your sales turnover.
    • Manage cash flow without offering ‘early payment’ discounts to customers.
    • Find capacity to cover unexpected seasonal demand.
    • Free up personal property.

    ANZ can assist you in meeting your invoice financing needs.

    How to apply

    ANZ has an alliance with an invoice finance specialist so we can assist you in meeting your invoice financing needs.

    For businesses with turnover $5M to $40M:

    Call 1800 602 761 8am-8pm (AEST) weekdays

    A leading invoice finance provider has entered into an alliance agreement with Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522, under which ANZ may refer customers for invoice finance.

    ANZ may receive commissions for these referrals. Eligibility for the invoice finance product is solely determined by the provider, which will apply its own lending requirements and undertake its own assessments.

    ANZ is not a related body corporate of the provider and ANZ does not guarantee or warrant the performance of, or in any way stand behind, the invoice finance provider or their invoice finance product.

    * Terms and Conditions apply.
    ^ This is subject to individual acceptance criteria.

    Australia and New Zealand Banking Group Limited (ANZ) 2015 ABN 11 005 357 522. ANZ’s colour blue is a trade mark of ANZ.

    Why does First Direct demand a 30-minute interview and ask my salary – just to open a savings account? #money,opinion,comment,money #top #stories,banks #and #finance,current #accounts,savings #accounts,personal #banking


    Why does First Direct demand a 30-minute interview and ask my salary – just to open a savings account?

    H ow badly do you want a 6pc savings rate?

    Would you, for example, endure a 30-minute phone interview involving excessive questioning about your earnings, when you get paid, and how much you spend?

    Yes, you heard correctly: this is just a savings account. You’re not asking for credit, not pleading for a £300,000 mortgage or a car loan – just a simple savings account.

    This is the process introduced by First Direct, the highly regarded phone and internet bank, much (I imagine) to the chagrin of its existing customers.

    So why such hoop-jumping and intrusion?

    Would you endure a 30-minute phone interview involving excessive questioning about your earnings, when you get paid, and how much you spend?

    T he call centre operative who told me that opening a Regular Saver would take “half an hour or longer” offered no explanation. The supervisor who called back in answer to my complaint was more understanding. She blamed “guidance from the regulator”, although admitting it was the bank’s translation of these rules.

    It’s odd. I’ve been a customer for more than 20 years and have previously answered rigorous questions to take out a mortgage.

    I suspect this new zeal stems from a document the Financial Conduct Authority sent to firms a year ago, entitled “Financial crime: a guide for firms” which urges banks to gather more information on customers in order to tackle money laundering. In the industry, the notion is described as “knowing your customers”.

    This is not new. Back in 2003, the Financial Services Authority, the forerunner to the FCA, published a discussion paper called “Know Your Customer: Anti-money-laundering Monitoring”.

    It’s only likely to get worse from here, especially after the intense light shone on this area by the “Panama Papers”.

    First Direct s customer service call centre in Leeds Credit: Bloomberg

    T he question is whether First Direct and its owner HSBC are being over-zealous in their translation of the rules. A spokesman said: “There are no specific requirements set by the FCA for how banks should keep data up to date, and the policy regarding types of questions asked has been set internally.

    “We try to utilise events such as new account applications to prompt a refresh of relevant data as we always try to minimise any inconvenience to our customers. We are proactive when necessary, but we believe gathering information when a customer is applying for an account is preferable to calling and writing to them out of the blue.”

    That makes some sense, but the regular’s guidance gives an example of bad practice as a “firm that applies the same customer check measures to products and customers of varying risk”.

    We believe gathering information when a customer is applying for an account is preferable to calling and writing to them out of the blue

    First Direct spokesman

    O r in other words, applying a blanket approach.

    One last thing. There is a way around these checks, a route to 6pc savings nirvana. If you agree to the bank’s “secure key”, an extra level of security for logging in, then you bypass the financial inquisition.

    A cynic could suggest this is another tool for bullying more customers into accepting yet another cumbersome layer of security. First Direct, you’ll need to offer a better savings rate than 6pc, for me to agree to that.

    Have you had a similar experience? Tell us about it on our Facebook page:

    Mortgage Bankers Association #mba #in #finance #online


    I love being part of MBA because it’s given me the chance to meet and work with folks who have the same passion for this industry as I do. MBA provides the framework for all of us to work together toward common goals. And with such strength in numbers, we can move our industry forward.

    Debra W. Still, CMB, 2013 MBA Chairman, President and Chief Executive Officer, Pulte Mortgage LLC

    Through active member engagement, you can lend your expertise to MBA’s grassroots and national policy and legislative agendas to truly be the voice of the industry, as the future of real estate finance in America is determined.

    Bill Cosgrove, CMB, 2015 MBA Chairman, Chief Executive Officer, Union Home Mortgage Corp.

    We get an opportunity to actually meet with legislators, decision makers and regulators.Those are the folks who are formulating what the future of our industry is going to look like. It is fantastic to have a voice in that process.

    Chris George, President, CMG Financial

    Real estate finance is always about change. The change can be legislative, regulatory or economic. MBA helps us anticipate change before it occurs.

    E.J. Burke, 2014 MBA Chairman, Co-President, KeyBank Mortgage

    Department of Accounting – NYU Stern #accouting, #auditing, #finance, #department


    Mission Philosophy of the Department of Accounting

    The mission of Department of Accounting is to create, debate and disseminate knowledge about the measurement and communication of financial and non-financial information that will inform our students, alumni, managers and capital market participants and facilitate rational financial, economic and policy decisions.

    Message from the Department Chairmen

    Stern’s Department of Accounting offers a wide range of courses and programs for students interested in acquiring the skills that will better enable them to serve the information needs of professional clients and the organizations that employ them.

    We offer a Ph.D. degree with an emphasis in accounting as well as an M.B.A. degree with a major or double major in accounting. Students often select a menu of courses stressing financial statement analysis. In the undergraduate college. we offer two accounting majors – one with a C.P.A. emphasis ; the other less technical in nature. The latter option is often taken together with finance or information systems as a double major. All students have access to the faculty of departments throughout the Stern School.

    Our faculty are committed to the pursuit of excellence in their teaching and research activities. The Department is consistently ranked as one of the top accounting faculties in the United States, and we pride ourselves in the knowledge that more of our accounting graduates have entered the ranks of senior partner of the major accounting firms than any other business school.fa

    Joel Steckel
    Acting Chairman
    Professor of Marketing

    Degrees & Masters #finance #and #management #business #school



    Scholarship and fellowship applications must be submitted through the online form available at once completed the online admission form and always before the opening day of your program.

    A new model of higher education

    Academic Excellence

    IE Business School shapes leaders who promote innovation and change in organizations.

    • Over 40% of incoming students receive financial assistance from IE Financial Aid.
    • Over 40.000 alumni holding positions of responsibility in over 100 countries.

    The Bachelor in Business Administration will develop your business and management capabilities through an innovative and international program

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    The Master in Management is a full-time program aimed at recent university graduates at the start of their career.

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    Our innovative full-time and part-time MBA programs are aimed at postgraduates from a wide range of fields and combine the best of online and onsite learning.

    Masters in Finance

    Designed for students with varying levels of experience, equipping them with leading-edge knowledge and skills in key areas of finance.

    Doctoral Programs

    IE Business School offers two types of doctoral degrees: Doctor in Business Administration (DBA) PhD in Management.

    Executive Education

    Open and Custom Programs designed to fulfill Executives and Companies talent development needs.

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    Is Whole Life Insurance Right For You? Consumer Reports #life #insurance, #whole #life, #cash #value #life #insurance, #death #benefit, #permanent #life #insurance, #insurance, #personal #finance, #money


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    Is whole life insurance right for you?

    We’ve long advised younger, budget-conscious families to buy term life insurance. The main reason—it offers bargain-price protection that pays a large benefit to your survivors if you die during the typical 20- to 30-year term of the contract. Consequently, we’ve tended to short-shrift whole life insurance because it’s a murky mix of life insurance and savings or investment vehicle that builds cash value after several years and into the ­future—again, as long as you pay the premiums, which can be 10 times as high as those on a same-sized term policy.

    Our advice—that term life is a better deal for most families—hasn’t changed. But because bigger annual premiums result in larger commissions for insurance sales­people, sooner or later an agent may try to sell you a whole life insurance policy, also known as “cash-value” and “permanent life.” But whole life is a lot more complicated than term, and you should understand how both types work.

    The confusion starts with the fact that whole life insurance combines two financial products—life insurance and an investment—into one that is supposed to serve your needs over your entire lifetime. But life is unpredictable, and the circumstances that drove your initial purchase can be very different a decade later. A period of financial stress, say, may prompt you to eliminate the high annual payment and surrender the policy for its cash value.

    Running the numbers

    Click on the image to expand it.

    To grasp the value of whole life insurance, you need to see how it and term life insurance operate in practical terms. We got term and whole life quotes from AccuQuote, an online broker that sells policies from about 100 insurers nationwide, for a 40-year-old Illinois man in perfect health who wants a $500,000 policy with level annual premium payments (click to enlarge the chart, right).

    When you’re young and have a family, term life insurance (dotted-red, then solid red line) provides a big death benefit for a bargain price (turquoise line). But at age 70, in our example, the 30-year term protection ends. That’s also when the term life starts becoming prohibitively expensive because of the insured’s age and declining health, and the increasing probability of death.

    A traditional whole life insurance policy purchased at 40, keeps the death benefit in force beyond age 70, as long as premiums are paid (dashed-blue, then solid-blue line). Whole life premiums are steep, though: $6,760 per year vs. $660 annually for the term policy. But the “excess premium” goes to guaranteed savings, which build cash value over time (light-gray line).

    Alternatively, you could buy the 30-year term policy and each year invest the difference between the whole- and term-life premiums in conservative 10-year Treasury notes. (T-notes are a comparable alternative to investing in whole life, in terms of liquidity, risk, and resulting returns; a stock mutual fund would not be comparable.) In this illustration, which assumes that the current 2.17 percent 10-year T-note rate remains level, the T-notes can provide a higher return on your money (dark-gray line) vs. the guaranteed return (light-gray line)—but no death benefit past age 69.

    So one value of whole life is the continuing death benefit (dark-blue line) for your heirs while you continue to build cash value.

    But some whole life policies also pay dividends based on the insurer’s financial performance. Those returns, not guaranteed but likely, can be reasonably estimated. When the dividends are used to buy additional “paid-up insurance,” that can add an estimated $500,000 to cash value by age 90 (light-blue line) and boost the death benefit to $1.1 million (gold line).

    However, the average annual rate of ­return—1.5 percent for the whole life guaranteed cash value, 2.2 percent for the Treasuries, and 3.5 percent for the whole life possible cash value—is undercut by inflation, currently about 2.2 percent per year.

    So your savings tread water while providing lifelong life insurance, and you can pass on the assets tax-free to your heirs .

    The name of the game is to hold on to your policy until you die. About 4 percent of whole life policies per year lapse, according to a study of 47 million policies issued by 20 insurers over more than two decades, by LIMRA, an industry research company. That means the value of a whole life policy depends on how long you own it. Here’s what to look for:

    Less than five years

    If a reversal of fortune causes you to quit the policy in less than five years, whole life is a lousy investment. Huge front-end sales commissions and policy-surrender charges eat up the cash value, and you’ll probably lose all or most of your investment. You will have received the value of the life insurance protection for that period, but that will be wildly overpriced because you could have paid significantly less for a simple term policy.

    Our advice: If you worry that you won’t be able to maintain those high whole life premium payments for even a few years, buy term insurance instead.

    Sixteen years

    If you dump your policy around the 16th year, your cash surrender value plus the value of the insurance you received will be about what you put in. So that’s the earliest you can drop the policy without losing your shirt.

    Our advice: If you’re wealthy, you can probably gamble on whole life over that long period. If you’re struggling, go with term.

    Two decades and beyond

    As our chart shows, if you steadily maintain your payments for two decades, the returns on whole life, including dividends, start significantly pulling away from the term plus Treasuries alternative. Meanwhile, surrender charges have usually disappeared, if you want to cash out. “If you hold a cash-value policy long enough, it can compete with alternative investments of comparable risk,” says Glenn Daily, a New York City fee-only life-­insurance consultant.

    Our advice: Higher-income folks in the 20+ years club have options: If you’re building a legacy for your heirs and have the money to keep going, the rising return trajectory and insurance coverage should give peace of mind. If you need to leave whole life, you can.

    Whole life provides a death benefit until age 100 to 121, depending on the policy, but you have to keep paying the premium as long as you live. However, for an additional premium, if you become disabled before age 65, the insurance company pays the premiums for the rest of your life.

    Hidden truths

    This mixed bag of potential benefits and costs is complicated enough for consumers to navigate, but poor disclosure robs consumers of the information they need to comparison shop.

    Although most states have adopted model disclosure regulations promoted by the National Association of Insurance Commissioners, no state or federal agency requires them to mention such basics as investment-­management fees, rate of return, and (with the exception of New York) sales commissions.

    Insurers also don’t disclose what part of the annual premium goes to pay the life insurance vs. savings components of the policy. If you don’t know how much is going to your cash account, you can’t accurately calculate your rate of return on that asset.

    That makes it difficult to compare one policy with others. And yet there are large differences in prices among companies for essentially the same coverage, industry experts say. Brian Fechtel, a chartered financial analyst and 27-year life-insurance agent, says commissions on whole life can be 130 to 150 percent of the first-year premium.

    “If the industry disclosed the commissions, whole life sales costs would have to come down to be competitive,” Fechtel says.

    Farm Equipment Finance #farm #equipment #finance


    Farm Equipment Finance


    As any farmer will tell you, it is not cheap to run a farm. Perhaps the most expensive facet of farming is all of the equipment it requires to operate a successful commercial farm. It takes more than seeds and animals to have a farm; it also takes a lot of equipment. It often takes tractors, combines, trucks, bailers, forklifts, ATV’s, plows and discs, and oftentimes much more.

    For a lot of farms, money is tight during different parts of the year and it can be very difficult to purchase the needed equipment at a moment’s notice. At Global Capital Commercial, it is our mission to take away that difficulty. For that reason, GCC is a proven leader in the field when it comes to farm equipment finance.

    Your Premiere Farm Equipment Finance Source

    Whatever farming equipment your business needs, we are confident that we have just the right option for you. At GCC, we have spent the past 10 years gaining precious insight and experience when it comes to farm equipment financing and are confident that we can find the right financial package to best meet the needs of your farm.

    You wouldn’t trust just anyone with your farm, so why would you trust just anyone with your farm equipment financing?

    Some Key Benefits of Using GCC

    • GCC employs several full-time employees who are devoted solely to farm equipment finance.
    • At GCC, you’ll be treated like family.
    • By using GCC you will gain access to approximately 200 top lenders across Australia, meaning we will find you the best deal possible.
    • You’ll experience awesome turnaround speeds.
    • GCC will find the right farm equipment finance plan for your unique needs.
    • You’ll get the equipment you need with a payment amount you can afford.

    It is stressful enough running a farm without worrying about how you are going to pay for all of the equipment you need all at once. GCC is able to help you with whatever financing you need, whether it is an equipment lease, equipment loan, commercial hire purchase or anything in between.

    At GCC, we have been helping farmers continue to feed their communities for over 10 years by providing them with all of the various farm equipment finance options they need to continue to grow and thrive.

    Contact us to see our options or to learn more about the many ways GCC can help farmers obtain the equipment they need to keep their farms producing.

    Call us today on 1300 353 926.


    This website is brought to you by GCC Business Finance the leading facilitators of Business and Equipment Finance in Australia. Our unparalleled access to capital means that we are geared to find the most practical solutions for all your business finance needs quickly and efficiently.

    Insurance, Business Finance Subjects and Courses #business #finance #courses

    Get the knowledge you need to fast track your career. As Australia’s leading provider of postgraduate qualifications, Kaplan Professional offers a range of applied finance courses for all levels of study. All are designed and tutored by practicing professionals at the very top of their game. That’s why Kaplan Professional students are in such high demand in the finance and other industries.

    In Australia, under the Corporations Act, individuals wishing to provide financial product advice to retail clients are required to meet initial and ongoing educational requirements as outlined in ASIC Regulatory Guideline 146 (RG146).

    Kaplan Professional has developed a reputation for creating customised training solutions for some of Australia’s largest corporations. We provide tailored business solutions for workforce and career development, from short courses through to accredited Certificate II Qualifications to Masters Degree’s. Our team of professionals are here to provide flexible, compliant solutions specific to an individual business need.

    The National Consumer Credit Protection Act 2009 (the National Credit Act) places responsibility on credit license holders to ensure that their representatives are adequately trained, as set out in the ASIC Regulatory Guide 206 (RG 206). Kaplan provides a range courses to in for Credit and Mortgage Brokers.

    Find the right course