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CCB-Risk-Card Portfolio Strategic Analytics-Vice President   

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CCB-Risk-Card Portfolio StrategicAnalytics-Vice President JPMorgan Chase & Co . (NYSE: JPM) is a leading global financial services firm with assets of $2.7 trillion and operations worldwide. The Firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of customers in the United States and many of the world's most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Information about JPMorgan Chase & Co. is available at ********************* at ***************************** Our Firmwide RiskFunction is focused on cultivating a stronger, unified culture that embraces a sense of personal accountability for developing the highest corporate standards in governance and controls across the firm. Business priorities are built around the need to strengthen and guard the firm from the many risks we face, financial rigor, risk discipline, fostering a transparent culture and doing the right thing in every situation. We are equally focused on nurturing talent, respecting the diverse experiences that our team of Risk professionals bring and embracing an inclusive environment. Chase Consumer & Community Banking (CCB) serves consumers and small businesses with a broad range of financial services, including personal banking, small business banking and lending, mortgages, credit cards, payments, auto finance and investment advice. Consumer & Community Banking Risk Management partners with each CCB sub-line of business to identify, assess, prioritize and remediate risk. Types of risk that occur in consumer businesses include fraud, reputation, operational, credit, market and regulatory, among others. As a Vice President onthe Chase Credit Line Increase (CLI) Risk Management strategy team you will have a chance to develop, grow and make big business contributions by providing thoughtful leadership and using analytic skills to develop, monitor and manage CLI strategies and control procedures. Responsibilities: - Candidatewill have direct ownership and accountability of CLI strategies. Thisincludes oversight of eligibility rules, strategy segmentations, and lineoptimization, partnership with multiple business partners to implementchanges to the strategy, and strong communication of performance andfuture expectations. - Developand apply mathematical or statistical theory and tools (SAS, SQL etc.) tocollect, organize, interpret, and summarize numerical data sets frommultiple sources to develop the best of class risk strategy in theindustry through advanced analytical and segmentation techniques - Mustdesign, implement, track, and report on new strategies in a Test vs.Control environment. Follow a disciplined analysis approach toensure recommendations taken to Senior Management result in correctdecisions. - Developand communicate creative solutions to business unit management ineffective manners - Workwith execution team to implement, validate, and monitor the strategyquality and its performance; ensure robust control and governance tomanage operational risk - Helpspearhead best in class documentation and audit controls surrounding theCLI strategies - Potentialto lead and train the junior analysts to understand the data and findinnovative solutions to complex business problem and drive healthybusiness growth with full cycle view of loss and profitability Qualifications: - 6+ years of risk management orfinancial services experience - Strong written and verbalcommunication skills, including ability to present findings to SeniorManagement - Experience partnering acrossdifferent functions and independent decision making skills - SAS, SQL, and statisticalanalysis experience - Resultoriented with attention to details and ability to lead projects - Flexibleand able to handle multiple tasks in a fast paced changing environment - Knowledge of financialprocedures & principles and strong understanding of consumer lending - Proveninnovative thinker with quick learning ability to identify, analyze andsolve problems in a thoughtful and organized manner to develop strategy recommendations - Bachelor's degree in a relevantdiscipline like Statistics, Economics, or Finance - Advanced degree in Mathematics,Statistics, Economics, Finance or a related quantitative disciplinepreferred JPMorgan Chase is an equal opportunity and affirmative action employer Disability/Veteran.

          

Home Mortgage Consultant -Coachella Valley   

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Job Description
At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service.?? Strong sales and organizational skills are essential.?? Bi-lingual job seekers are encouraged to apply.?Additional duties include:
  • Develop knowledge of company products, policies and procedures, and underwriting requirements
  • Understand real estate appraisals, title reports, and real estate transactions
  • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
  • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
  • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
  • Develop and maintain a high degree of visibility for WFHM in the marketplace
  • Perform miscellaneous duties as needed and required??

    Required Qualifications
    • 1+ year of sales experience in financial services, outside sales experience, or a combination of both

      Desired Qualifications
      • Basic Microsoft Office skills
      • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
      • Excellent verbal, written, and interpersonal communication skills
      • Mortgage industry experience
      • Knowledge and understanding of sales prospecting and generating referrals
      • Bilingual speaking proficiency in Spanish/English
      • Customer service experience
      • A BS/BA degree or higher

        Job Expectations
        • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (https://God.blue/splash.php?url=WQBDySyi1iWuyMXOeSr93QzT0Ihq8STAWO6w_PLUS_r43eqh_SLASH_b4sjcQQDcJKgI_SLASH_i6XmOSQEue1DUNktsXsYdXH80kvZC2mu7D7Nga7X6gTol2_SLASH_XywTKGzQ4XFBoff0f4TGdwhS737oMHlqJeTfXMZy6JdHQ_EQUALS__EQUALS_ ) provides the MU4R questions and registration required for employment in this position.
        • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
        • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
        • Ability to lift 20+ pounds
        • Reliable transportation
        • Ability to work nights, weekends, and/or holidays as needed or scheduled

          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Personal Banker (SAFE) 1 - Greenbay Fisk   

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Job Description
Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a personal banker at Wells Fargo you will deliver exceptional customer experience, build relationships, and help consumer and small business customers succeed financially. You will engage customers in conversation and ask questions to understand what?s most important to them to allow you to provide product, service and digital options that align with their needs and help make banking easier for them.Your responsibilities include:? Building relationships with customers through proactive outreach and follow up, asking questions and learning about their financial needs? Deep knowledge of bank products and services and connecting those to customer needs? Building relationships with branch team members and partners, allowing you to work together to best serve customers? Opening new accounts, completing service requests, and submitting credit applications? Inform customers of self-service digital options and demonstrate them to customers? Helping to resolve customer concerns and escalating issues as needed? Serving as a risk leader and following policies and proceduresThis SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction.? As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 5 weeks. Training schedule is as follows: Monday ? Friday ? 8:30am ? 5:00pm.Learn more about Who We Are. Copy and paste this video URL into a new browser tab to view: https://God.blue/splash.php?url=44fJCEmCMUTmSpS4vlAKo3OwU4Haa1l7NiL7oI9KAOuEGQodlc98CpOS7ZKLEzQrTao4JfjfLwNOdu3lX4eslKwN6YOIDPVGG4d4ziyYsAsStWBiudWGSVzp7W2FGCr_SLASH_Goy6T22ALgWquhMq1SBrNKdyBPZggqydet3HM7K7_PLUS_jKQGIbykX5kED1D2mCe3Yan6sXxnWHIyp4t1wf8odC2Wg_EQUALS__EQUALS_?

Required Qualifications
  • 2+ year of experience interacting with people, demonstrated through work, military, or education

    Desired Qualifications
    • Customer service focus with experience handling complex transactions across multiple systems
    • Experience proactively engaging with customers through outreach via phone or email
    • Ability to influence, educate, and connect customers to technology
    • Ability to help customers succeed financially by offering introductions to additional team members as appropriate
    • Ability to meet or exceed performance objectives
    • Ability to interact with integrity and professionalism with customers and team members
    • Experience working with others on a team to meet customer needs
    • Experience fostering and developing strong customer relationships
    • Ability to build strong relationships with internal partners and customers
    • Ability to follow policies, procedures, and regulations
    • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
    • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
    • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

      Job Expectations
      • Ability to work weekends and holidays as needed or scheduled
      • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (https://God.blue/splash.php?url=HrKUGNUVQX7navLRebXpdRvCT2rBMedUDONjK8OoIge25aTznscT2x_PLUS_19OXc2yfrQRw1A0a0g2U9LH8pdDIeX3DRXXZWnPuZQM4mhgNpULCKwIkv1En_SLASH_iHMgafxPX46aSBzSTfuSbQPQRoour_PLUS_wtrg_EQUALS__EQUALS_ ) provides the MU4R questions and registration required for employment in this position.
      • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.

        Street Address
        WI-Green Bay: 908 S Fisk St - Green Bay, WI


        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Home Mortgage Consultant (SAFE)   

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Job Description
At Wells Fargo, we want to satisfy our customers' financial needs and help them succeed financially. We're looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you'll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We've built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service.?? Strong sales and organizational skills are essential.?? Bi-lingual job seekers are encouraged to apply.?Additional duties include:
  • Develop knowledge of company products, policies and procedures, and underwriting requirements
  • Understand real estate appraisals, title reports, and real estate transactions
  • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
  • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
  • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
  • Develop and maintain a high degree of visibility for WFHM in the marketplace
  • Perform miscellaneous duties as needed and required?

    Required Qualifications
    • 1+ year of sales experience in financial services, outside sales experience, or a combination of both

      Desired Qualifications
      • Basic Microsoft Office skills
      • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
      • Excellent verbal, written, and interpersonal communication skills
      • Mortgage industry experience
      • Knowledge and understanding of sales prospecting and generating referrals
      • Bilingual speaking proficiency in Spanish/English
      • Customer service experience
      • A BS/BA degree or higher

        Job Expectations
        • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (https://God.blue/splash.php?url=LZGYo2m3SeodyHoBnZShYv3XWvoahjOTJZCvzCw5kAFZZGy0Bsw4SY7vyQfgtAmwrlv1U0_PLUS_5yZsUpg5rFLS1szwb7Uubdis7aFUjrnAQlqexZHbqECpWxnKedS_SLASH_V_SLASH_JjR9ixpWb_PLUS_3tHF9_PLUS_tWNfRBT5A_EQUALS__EQUALS_ ) provides the MU4R questions and registration required for employment in this position.
        • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
        • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
        • Ability to lift 20+ pounds
        • Reliable transportation
        • Ability to work nights, weekends, and/or holidays as needed or scheduled

          Street Address
          FL-Brandon: 1463 Oakfield - Brandon, FL
          FL-Clearwater: 311 Park Place Boulevard - Clearwater, FL
          FL-Fort Myers: 12370 S Cleveland Ave - Fort Myers, FL
          FL-Temple Terrace: 6943 E Fowler Ave - Temple Terrace, FL
          FL-Sarasota: 2891 S Tamiami Trl - Sarasota, FL
          FL-Tampa: 100 S Ashley Dr - Tampa, FL
          FL-Tallahassee: 1989 Capital Circle NE - Tallahassee, FL


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Bilingual Teller (24 Hours)   

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Job Description
Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.Team member must be able to conduct transactions normally associated with this role in Spanish and English.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancing?Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 3 weeks. Training schedule is as follows: Monday ? Friday ? 8:30am ? 5:00pm.Want to learn more about our team?? Copy and paste this video URL into a new browser tab to hear what our team members are saying:? https://God.blue/splash.php?url=h3VKiS42I22aHLSmhJEb90wdc73dcb84Hs8q7_SLASH_9mJg1jbzXG5CFBcIf9YzIN404w9MgspFgpFzRApdbVIuckkmXB0nEQsHsfL95ie8R5z5D0F7tk36MOEbhFWYmiWR5l4ruYb2UOGIlpRdfuG0VRVyl7LIv8G17gudvfSuyj5mOXyN_PLUS_8UtfSqgQwcVNeElvATPnZ_PLUS_a5v5kRUnu5ChFWBwg_EQUALS__EQUALS_

Required Qualifications
  • 1+ year of experience interacting with people, demonstrated through work, military, or education
  • Bilingual speaking proficiency in Spanish/English

    Desired Qualifications
    • Customer service focus with experience handling complex transactions across multiple systems
    • Ability to influence, educate, and connect customers to technology
    • Ability to interact with integrity and professionalism with customers and team members
    • Ability to meet or exceed performance objectives
    • Experience working with others on a team to meet customer needs
    • Cash handling experience
    • Ability to follow policies, procedures, and regulations
    • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
    • Well-organized, independent and able to prioritize in a fast paced environment
    • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
    • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
    • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
    • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

      Job Expectations
      • Ability to stand for extended periods of time
      • Ability to work weekends and holidays as needed or scheduled
      • Must take and pass required Spanish language assessment

        Salary Information
        The salary range displayed below is based on a Full-time 40 hour a week schedule.

        ID-Nampa: Min: $31,200 Mid: $32,000


        Street Address
        ID-Nampa: 1401 12th Avenue Rd - Nampa, ID


        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Compliance Consultant 4 - IBG Platform Services Compliance   

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Job Description
At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk.The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company.Wells Fargo Compliance is the company?s compliance independent risk management function, providing company-wide leadership, standards, support, and independent oversight to ensure that all front-line business groups abide by applicable laws, rules, regulations and regulatory guidance (regulatory requirements), meet compliance responsibilities, and manage compliance risks. Wells Fargo Compliance credibly challenges management decisions, business processes and activities, and evaluates and assesses adherence to applicable regulatory requirements. It provides appropriate analysis, reporting, and escalation to senior management and the Board of Directors, sets minimum standards for the company, and gives advice, guidance, and support for compliance risk management activities across the enterprise.Within Wells Fargo Advisors (WFA) Compliance, the CE&G/Independent Brokerage Group (IBG) Compliance Team supports Client Experience & Growth, independent channels, and the design and development of the Financial Advisor Platform.? Working with our business partners, we help provide the advisors with the programs, tools, and technology they need to deliver innovative financial solutions to clients in an effective, efficient, and compliant manner.The Platform Services Compliance Consultant 4 will be a critical team member in the Compliance Department's collaboration and oversight of the WFA Independent Brokerage Group Platform Services Group as they develop and deliver technology and application support across the WFA Lines of Businesses. The ideal candidate will be a collaborator and problem solver who has a comprehensive knowledge of both risk management and oversight but is also dedicated to the objective of the Firm to provide investment professionals with the tools they need to deliver outstanding customer service and financial recommendations and advice that are in the client's best interest while providing Home Office stakeholders the tools to monitor, oversight, and supervise those activities.? The Platform Services CC4 role be responsible for the following activities:
  • Partner with, support the initiatives of, and provide critical challenge to the activities of the IBG Platform Services Team;
  • Assist with establishing and implementing compliance, legal, and risk governance and oversight of business applications and services;
  • Participate in the strategic initiatives of IBG Platform Services and represent Compliance at senior leader meetings, inculcating a culture of compliance;
  • Foster an environment that supports strong communication and cooperation across the three lines of defense, including business line leadership, Legal, Audit, Compliance and other corporate stakeholders to facilitate transparency, balance and credible challenge;
  • Provide compliance support and guidance to business and control areas responsible for information security and privacy regulations including but not limited to Regulation S-P, GLBA, CCPA, and GDPR.

    Required Qualifications
    • 6+ years of experience in compliance, operational risk management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk), or a combination of both; or 6+ years of IT systems security, business process management or financial services industry experience, of which 3+ years must include direct experience in compliance, operational risk management, or a combination of both
    • Successfully completed FINRA Series 7 exam to qualify for immediate registration (or FINRA recognized equivalents)

      Desired Qualifications
      • Advanced Microsoft Office skills
      • Excellent verbal, written, and interpersonal communication skills
      • Strong analytical skills with high attention to detail and accuracy
      • Ability to interact with all levels of an organization
      • FINRA registration including Series 9/10 or 24 (or FINRA recognized equivalents)

        Other Desired Qualifications
        • Familiarity with application development and implementation life-cycle management
        • Superior communications skills and the ability to express complex ideas succinctly and clearly
        • Ability to learn new concepts and the skill to put them into action??
        • Exceptional skills at collaborating, partnering, and helping others achieve their objectives
        • Demonstrated experience interacting with, providing reporting to and supporting senior and executive level leaders
        • Ability to respond quickly to changing job demands
        • Demonstrated ability to work independently, while ensuring appropriate transparency and escalation



          Street Address
          MO-Saint Louis: 1 N Jefferson Ave - Saint Louis, MO


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Teller Full Time 30 Hours Central Pasadena   

Cache   

Job Description
Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.?

Required Qualifications
  • 1+ year of experience interacting with people, demonstrated through work, military, or education

    Desired Qualifications
    • Customer service focus with experience handling complex transactions across multiple systems
    • Ability to influence, educate, and connect customers to technology
    • Ability to interact with integrity and professionalism with customers and team members
    • Ability to meet or exceed performance objectives
    • Experience working with others on a team to meet customer needs
    • Cash handling experience
    • Ability to follow policies, procedures, and regulations
    • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
    • Well-organized, independent and able to prioritize in a fast paced environment
    • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
    • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
    • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
    • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

      Other Desired Qualifications
      ? Multilingual speakers are encouraged to apply

      Job Expectations
      • Ability to stand for extended periods of time
      • Ability to work weekends and holidays as needed or scheduled

        Street Address
        CA-Pasadena: 1739 E Colorado Blvd - Pasadena, CA


        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Sr. Agency Mortgage Underwriter 4 (SAFE)   

Cache   

Job Description
Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen. Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you. For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers, in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.?We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.National Underwriting and Production Risk Management (NUPRM) provides support for transaction underwriting, managing production risk, and implementation of policies and procedures that support the home lending process. As part of Wells Fargo Home Lending, NUPRM identifies and adopts best practices and controls in relation to retail mortgage products.In addition to exception review and approval support for the loan production process, NUPRM provides strategic support for a variety of complex lending programs (e.g. FHA/VA; HARP; RD & CDMP) and home lending support functions (e.g. Remediation, Product Validation.)The National Decisioning Services (NDS) team is looking for a Consumer Ln Underwriter 4 (SAFE). This position is responsible for reviewing, analyzing, approving and underwriting high risk, unusual or complex individual consumer requests and products within company and industry guidelines.Functions include:
  • Compiles, analyzes and documents loan data, credit risk, borrower and property information
  • Determines decisions/exceptions beyond the decisioning authority levels of other underwriters
  • May negotiate loan provisions
  • Underwrites exception work streams that cannot be decisioned through the risk engine
  • Reviews financial statements, credit reports, and applicable ratios (i.e. debt ratios, loan-to-value)
  • Evaluates and examines transactions to ensure accuracy and completeness.
  • Prepares formal reports for review
  • Ensures documents are consistent and conform to company and industry guidelines
  • Acceptable credit quality within the lending authority. No current outlier status with QIS, CQA, post-closing deficiencies, internal, agency and/or government audits
  • Implements fraud detection techniques and performs compliance reviews
  • Assists with re-negotiation of loans based on lending guidelines
  • Contacts customers and/or business partners to gather information to make appropriate decisions and explain the rationale of those credit decisions
  • Mentors and reviews the analysis of other underwriters
  • May provide credit policy direction to underwriting managers in the field
  • May provide work direction, training and auditing for other team membersThis SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction.? As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.

    Required Qualifications
    • 5+ years of underwriting experience

      Desired Qualifications
      • Basic Microsoft Office skills
      • Strong analytical skills with high attention to detail and accuracy
      • Excellent verbal, written, and interpersonal communication skills
      • Ability to interact with all levels of an organization
      • Ability to consult, build, and maintain solid working relationships in and outside of immediate department
      • Knowledge and understanding of government and conventional loans
      • Knowledge and understanding of underwriting policies and procedures, investor guidelines, and regulatory updates
      • Knowledge and understanding of underwriting: complex conventional transactions
      • Experience with underwriting policies and procedures such as risk-layering and asset evaluation
      • Experience with review and approval of second level lending requests

        Other Desired Qualifications
        • Excellent underwriting experience with conventional mortgage loans (FNMA, FHMLC)

          Job Expectations
          • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (https://God.blue/splash.php?url=UAGUvAs9ABjWSkQKgyhg1YZOdUEC7GklxRbbPc6_PLUS_hqHZ6YCwMLv2amOdv04cFwMqgKkPnrWfegbS5ocVHBR1j6cdNie5sxAwtoVmYm_SLASH_XdNt2W1PeqIu8RhZbjofWYP_PLUS_QPn1cdgvfSg4UapycRMeY6A_EQUALS__EQUALS_ ) provides the MU4R questions and registration required for employment in this position.
          • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
          • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.

            Street Address
            CA-San Bernardino: 1003 E Brier Dr - San Bernardino, CA
            IA-Des Moines: 800 Walnut St - Des Moines, IA


            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


            Company Description:

            Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Sr. Research Scientist, Reinforcement Learning   

Cache   

Changing the world through digital experiences is what Adobe s all about. W give everyone from emerging artists to global brands everything they n to design and deliver exceptional digital experiences. We re passionate abo empowering people to create beautiful and powerful images, videos, and apps, and transform how companies interact with customers across every screen. We re on a mission to hire the very best and are committed to creating exceptional employee experiences where everyone is respected and has access to equal opportunity. We realize that new ideas can come from everywhere in the organization, and we know the next big idea could be yours. Take a peek into Adobe life in this video. The challenge The Cloud Technology organization builds platform and client services that are foundational building blocks for many other Adobe products and services. Areas of focus include: identity, security, cloud storage, e-commerce, workflow management, synchronization, customer facing web apps, scalability, infrastructure management and search, just to name a few. Our mission is to build highly scalable, highly available and highly resilient services that fulfill the business objectives of Adobe The Data Science Lab (DSL) at Adobe Research, San Jose, is looking to hire an established researcher in the broad area of multi-armed bandits, reinforcement learning, sequential decision-making, and probabilistic planning. The successful candidate should have credentials that are preferably at the senior research scientist level. This is an opportunity to work alongside an established world class team of researchers with expertise in reinforcement learning, sequential decision making, multi-armed bandits, optimization, game theory, sketching and streaming algorithms, causation, counterfactuals and imagination-based AI. DSL has an excellent publication record with dozens of papers at top-tier machine learning and AI conferences and journals in recent years. Over the past few years, Adobe has had a world class team in RL, with a highly successful track record of publications in top AI and ML conferences. With more than 170 world-class research scientists and engineers, Adobe Research blends cutting-edge academic discovery with industry impact. Our scientists are provided with the resources, support, and freedom to shape their ideas into innovative technologies. They collaborate with colleagues at over fifty universities, often presenting their work at top-tier international conferences. Many of our researchers discoveries are incorporated into Adobe s products, building the company s reputation as a pioneer in co and data intelligence. Adobe is one of the largest software companies in the world, and a market leader in three major areas: Creative Cloud (Photoshop, Illustrator, Spark etc.), Document Cloud (PDF and related software), and the Digital Experience Cloud (including Adobe Audience Manager, Adobe Analytics, Target, and Campaign). Adobe Experience Cloud (******************************************* is one of the largest data collection platforms in the world, managing the content, customer intelligence, and digital marketing for most Fortune 500 companies. Adobe Digital Experience cloud processes trillions of transactions per year, involving hundreds of petabytes of data, and offers unparalleled opportunities for exploring web scale solutions for AI and machine learning. The role * Help drive the technical agenda in reinforcement learning and related topics. * Responsible for providing technical leadership across multiple teams, by understanding the technical space deeply enough to help guide corporate strategy or business unit strategy, or by providing innovations that fuel the growth of Adobe. * Be able to lead cross functional working groups or initiatives or provide consulting/advice to other departments or groups within the company * Partner with the already existing research teams at Adobe, including world class experts in computer vision, deep learning, NLP, graphics, and HCI * Provide critical analysis of issues for continuous improvement of technology, process and team productivity * Act as an industry evangelist, internally and externally. Engage with the research community at large, including university collaborations, intern recruiting and mentorship, and publishing and participation in top-tier conferences. The_Requirements * Five or more years of experience and a PhD in Machine Learning, Artificial Intelligence or related field * Prior experience in the development of current or future products or technologies * Recognized by peers in industry, academia or the research community * Recognized technical expertise includes but not limited to publications, editorial and advisory boards, conference/symposium presentations, patents, professional peer recognition and strategically important developments, innovations, or technical contributions * Demonstrated experience in mentoring and coaching interns, and junior technical contributors. Application Submission The application should include a brief description of the applicant's research interests and experience, plus a CV that contains the degrees, relevant publications, names and the contact information of references, and other relevant documents. At Adobe, you will be immersed in an exceptional work environment that is recognized throughout the world on Best_Companies_lists. You will also be surrounded by colleagues who are committed to helping each other grow through our unique Check-In approach where ongoing feedback flows freely. If you re looking to make an impact, Adobe's the place for you. Discover wh our employees are saying about their career experiences on the Adobe Life blog and explore the meaningful benefits we offer. Adobe is an equal opportunity employer. We welcome and encourage diversity in the workplace regardless of race, gender, religion, age, sexual orientation, gender identity, disability or veteran status.

          

Loan Servicing Specialist 3   

Cache   

Job Description
Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers, in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.Our Customer Account Management team focuses on the customer and strives for operational excellence in servicing mortgage loans and home equity products for our customers.The Wells Fargo Payoff and Reinstatement Team is responsible for providing superior service to our customers, investors and agencies through the completion of foreclosure reinstatement and payoff quotes for mortgage and equity loans.SHIFT: 7:00 am to 4:00 pm Monday-Friday. Overtime may be required. (Shifts subject to changed based on business need.)Specific responsibilities include but not limited to:? Provide foreclosure reinstatement and payoff quotes to internal and external customers for various portfolios? Research discrepancies in quotes and billing in regard to fees and costs as well as mortgagor recoverable balances after reinstatement or payoff? Process nonstandard quote requests? Works closely with Foreclosure Specialized Quote team, Foreclosure Call Center Team, Foreclosure and Bankruptcy attorneys, Litigation Team and Reinstatement and Payoff Funds Processing Teams

Required Qualifications
  • 6+ months of experience in one or a combination of the following: customer service, loan administration, collections, or sales environment

    Desired Qualifications
    • Basic Microsoft Office skills
    • Ability to navigate multiple computer systems, applications, and utilize search tools to find information
    • Strong analytical skills with high attention to detail and accuracy
    • Excellent verbal, written, and interpersonal communication skills
    • Ability to interact with all levels of an organization

      Other Desired Qualifications
      ? Strong mathematical, account balancing and research skills? Proven ability to meet strict daily and monthly deadlines? Strong team player and ability to work independently? Strong data entry skills including high accuracy, speed and 10 Key skills? Knowledge of Wells Fargo Home Mortgage and Equity foreclosure principals and guidelines? Experience with Hogan/SHAW/LPS/MSP, GEM, ECaR, PAC2000, Letter Maker, and ICMP

      Job Expectations
      • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.

        Street Address
        MT-Billings: 2324 Overland Avenue - Billings, MT


        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Mortgage Consultant (SAFE)   

Cache   

Job Description
At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country. We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Home Mortgage Consultant (HMC). This individual is responsible for producing high quality loans that meet Wells Fargo Home Mortgage guidelines by building relationships with realtors, builders, financial professionals, bank stores, past customers and other nontraditional sources, while providing excellent customer service.?? Strong sales and organizational skills are essential.?? Bi-lingual job seekers are encouraged to apply.?Additional duties include:
  • Develop knowledge of company products, policies and procedures, and underwriting requirements
  • Understand real estate appraisals, title reports, and real estate transactions
  • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
  • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
  • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
  • Develop and maintain a high degree of visibility for WFHM in the marketplace
  • Perform miscellaneous duties as needed and required?

    Required Qualifications
    • 1+ year of sales experience in financial services, outside sales experience, or a combination of both

      Desired Qualifications
      • Basic Microsoft Office skills
      • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
      • Excellent verbal, written, and interpersonal communication skills
      • Mortgage industry experience
      • Knowledge and understanding of sales prospecting and generating referrals
      • Bilingual speaking proficiency in Spanish/English
      • Customer service experience
      • A BS/BA degree or higher

        Job Expectations
        • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (https://God.blue/splash.php?url=gVpSl9h1YYezVm_PLUS_PEQi2EVCO5hOYurRwqgUXJJifezJO_PLUS_6Dg7T1MBPPVfiametUlDyo885w0wkexx59_SLASH_KCOTD66u2NHnAo81uWiQX1MIm_SLASH_cR80Kn3ktu7TeIqTM3_SLASH_WfzmQJ7yKljG7ukfgzjiFYO3g_EQUALS__EQUALS_ ) provides the MU4R questions and registration required for employment in this position.
        • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
        • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
        • Ability to lift 20+ pounds
        • Reliable transportation
        • Ability to work nights, weekends, and/or holidays as needed or scheduled

          Street Address
          NM-Albuquerque: 200 Lomas Blvd - Albuquerque, NM
          NM-Alamogordo: 1109 New York - Alamogordo, NM
          NM-Roswell: 400 N Pennsylvania - Roswell, NM
          NM-Ruidoso: 401 Sudderth - Ruidoso, NM
          NM-Santa Fe: 770 St Michaels Drive Se - Santa Fe, NM
          NM-Clovis: 223 Main St - Clovis, NM
          TX-El Paso: 1510 Zaragosa - El Paso, TX
          NM-Las Cruces: 425 S Telshor - Las Cruces, NM
          NM-Hobbs: 1910 N Turner - Hobbs, NM


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Teller 30 hours Ankeny   

Cache   

Job Description
Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.?

Required Qualifications
  • 1+ year of experience interacting with people, demonstrated through work, military, or education

    Desired Qualifications
    • Customer service focus with experience handling complex transactions across multiple systems
    • Ability to influence, educate, and connect customers to technology
    • Ability to interact with integrity and professionalism with customers and team members
    • Ability to meet or exceed performance objectives
    • Experience working with others on a team to meet customer needs
    • Cash handling experience
    • Ability to follow policies, procedures, and regulations
    • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
    • Well-organized, independent and able to prioritize in a fast paced environment
    • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
    • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
    • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
    • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

      Job Expectations
      • Ability to stand for extended periods of time
      • Ability to work weekends and holidays as needed or scheduled

        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Compliance Consultant 4- Data Analysis   

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Job Description
Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk.The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company.The Consumer Banking Compliance (CBC) Shared Services team is responsible for executing program requirements across the CBC organization, and serves as a centralized utility that supports business aligned compliance teams (Consumer Lending, Community Banking, etc.) within CBC.This role will be part of the Reporting & Data Analysis team, and will coordinate efforts to establish governance routines across CBC teams producing metrics, scorecard/dashboard reporting, and facilitate oversight of the monitoring activities tool, and credible challenge tool.Responsibilities include:
  • Produce integrated reporting using multiple data sources (Enterprise databases, Excel workbooks, Access databases, etc.)
  • Create customized Tableau dashboards and Microsoft Excel reporting solutions using MS SQL Server
  • Work with large data sets to identify trends, issues and insight
  • Report findings, insight, and recommendations to executive management using sophisticated reporting techniques
  • Collaborate with Reporting & Analytics peer teams, providing information to enable reporting, insightful metric analysis, and presentations

    Required Qualifications
    • 6+ years of experience in compliance, operational risk management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk), or a combination of both; or 6+ years of IT systems security, business process management or financial services industry experience, of which 3+ years must include direct experience in compliance, operational risk management, or a combination of both

      Desired Qualifications
      • Advanced Microsoft Office skills
      • Excellent verbal, written, and interpersonal communication skills
      • Strong analytical skills with high attention to detail and accuracy
      • Ability to interact with all levels of an organization
      • Extensive knowledge and understanding of research and analysis
      • SQL or SAS experience
      • MS SQL server experience
      • Tableau experience
      • A BS/BA degree or higher
      • Ability to execute in a fast paced, high demand, environment while balancing multiple priorities
      • Knowledge and understanding of business intelligence tools

        Other Desired Qualifications
        • Ability to translate ambiguous ideas/issues into well-defined plans/solutions with a track record of delivering results
        • Advanced knowledge of business operations / processes and systems
        • Strong understanding of how to present data to both technical & non-technical partners, to provide clear, actionable results
        • Experience working horizontally across a large, complex organization and participating in enterprise-wide implementations of major policy and relevant compliance programs across major business divisions
        • Experience gaining consensus across key functional leadership areas through effective communication and successful delivery against goals and objectives

          Job Expectations
          • Ability to travel up to 10% of the time

            Street Address
            NC-Charlotte: 550 S Tryon St - Charlotte, NC
            MN-Minneapolis: 600 S 4th St - Minneapolis, MN
            IA-Des Moines: 800 Walnut St - Des Moines, IA
            TX-DAL-Downtown Dallas: 1445 Ross Ave - Dallas, TX
            OR-Portland: 1300 Sw 5th Ave - Portland, OR
            TX-San Antonio: 4101 Wiseman Blvd - San Antonio, TX
            MO-Saint Louis: 1 N Jefferson Ave - Saint Louis, MO


            Disclaimer

            All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

            Relevant military experience is considered for veterans and transitioning service men and women.
            Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


            Company Description:

            Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Senior Network Engineer   

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About Us

At Cloudflare, we have our eyes set on an ambitious goal: to help build a better Internet. Today the company runs one of the world s largest networks that powers trillions of requests per month. Cloudflare protects and accelerates any Internet application online without adding hardware, installing software, or changing a line of code. Internet properties powered by Cloudflare have all web traffic routed through its intelligent global network, which gets smarter with every request. As a result, they see significant improvement in performance and a decrease in spam and other attacks. Cloudflare was recognized by the World Economic Forum as a Technology Pioneer and named to Entrepreneur Magazine s Top Company Cultures list.

We realize people do not fit into neat boxes. We are looking for curious and empathetic individuals who are committed to developing themselves and learning new skills, and we are ready to help you do that. We cannot complete our mission without building a diverse and inclusive team. We hire the best people based on an evaluation of their potential and support them throughout their time at Cloudflare. Come join us!

About The Department

We are looking for a Network Engineer to join our team. Cloudflare is building one of the largest, most resilient networks that spans over 190 points of presence spread across all regions and plan to continue our expansion at a rapid pace. This position will be responsible for the technical operation and engineering of the Cloudflare network, including the planning, installation and management of the hardware and software as well as the day to day operations of the network. This is an opportunity to be part of the team that is building a high -performance network that is accessible to any web property online.

What You\'ll Do

* 5 plus years of experience working in large scale network engineering environments

* Expert knowledge of Junos

* Expert knowledge of BGP

* Strong understanding of anycast routing

* Experience writing network configuration and design documentation

* Experience working on high traffic networks

* Experience working with automation frameworks such as SaltStack and/or Ansible

* Proven network debugging and problem solving skills

* Experience with optical transport technologies such as CWDM/DWDM

* Ability to prioritise when faced with high pressure scenarios

Examples of desirable skills, knowledge and experience

* Experience working in multivendor EVPN and VXLAN environments

* Good working knowledge of NX-OS and EOS

* Professional level network certification(s) (JNCIP , CCNP , etc) or higher

* Experience working on service provider or content networks

* Linux system administration

* Coding experience

* Multilingual

What Makes Cloudflare Special*

We re not just a highly ambitious, large-scale technology company. We re a highly ambitious, large-scale technology company with a soul. Fundamental to our mission to help build a better Internet is protecting the free and open Internet.

Project Galileo: We equip politically and artistically important organizations and journalists with powerful tools to defend themselves against attacks that would otherwise censor their work, technology already used by Cloudflare s enterprise customers--at no cost.

Project Athenian: We created Athenian Project to ensure that state and local governments have the highest level of protection and reliability for free, so that their constituents have access to election information and voter registration.

Path Forward Partnership: Since 2016, we have partnered with Path Forward, a nonprofit organization, to create 16-week positions for mid-career professionals who want to get back to the workplace after taking time off to care for a child, parent, or loved one.

1.1.1.1: We released 1.1.1.1 to help fix the foundation of the Internet by building a faster, more secure and privacy-centric public DNS resolver. This is available publicly for everyone to use - it is the first consumer-focused service Cloudflare has ever released. Here s the deal - we don t store client IP addresses never, ever. We will continue to abide by our privacy policy and ensure that no user data is sold to advertisers or used to target consumers.

Sound like something you d like to be a part of* We d love to hear from you!

Cloudflare is proud to be an equal opportunity employer. We are committed to providing equal employment opportunity for all people and place great value in both diversity and inclusiveness. All qualified applicants will be considered for employment without regard to their, or any other person's, perceived or actual race, color, religion, sex, gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship, age, physical or mental disability, medical condition, family care status, or any other basis protected by law. We are an AA/Veterans/Disabled Employer.

Cloudflare provides reasonable accommodations to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job. Examples of reasonable accommodations include, but are not limited to, changing the application process, providing documents in an alternate format, using a sign language interpreter, or using specialized equipment. If you require a reasonable accommodation to apply for a job, please contact us via e-mail at hr@cloudflare.com or via mail at 101 Townsend St. San Francisco, CA 94107.

          

Service Manager 2   

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Job Description
Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.As a service manager, you?re an integral part of the branch management team who works together to deliver an exceptional customer and? team member experience, manage risk, and support growth.? You will spend most of your time? directly assisting customers and supporting tellers in serving their customers.? As a leader, you will coach, motivate and develop your team of direct reports to achieve their full potential and meet established business objectives.Your?responsibilities include:? Lead the team and serve as a role model by providing excellent customer service including engaging customers in conversations and? building relationships with them? Serve as a leader in managing risk; accountable for alignment with applicable regulations, policy and procedure requirements, audit and escalation procedures? Lead the team to ensure customers are informed of the ways Wells Fargo can help them succeed financially, by making introductions to other branch team members and sharing digital banking options? Attract, retain and develop talent? Coach and provide feedback leveraging performance management tools and processes? Support customers in resolving or escalating concerns or complaints? Manage your team?s schedule and lead the day-to-day operations of the teller line? Work a cash drawer to directly serve customers and perform teller and lead teller dutiesThis LO position has customer contact and job duties which may include needs assessing and referring those customers interested in a dwelling secured product to a SAFE team member.? This position includes assisting customers without taking an application and without offering or negotiating terms of a dwelling secured transaction.? Individuals in a LO position also must meet the Loan Originator? requirements under Regulation Z (LO) outlined in the job expectations below.? ?As a Team Member Manager, you are expected to achieve success by leading yourself, your team, and the business. Specifically you will:??Lead your team with integrity and create an environment where your team members feel included, valued, and supported to do work that energizes them.??Accomplish management responsibilities which include sourcing and hiring talented team members, providing ongoing coaching and feedback, recognizing and developing team members, identifying and managing risks, and completing daily management tasks.

Required Qualifications
  • 2+ years of experience assessing and meeting the needs of customers and/or helping with issue resolution
  • 2+ years of experience following policies and procedures
  • 2+ years of leadership experience including coaching, training, or mentoring

    Desired Qualifications
    • Leadership skills including the ability to build, develop, and motivate a diverse work team
    • Experience addressing and resolving complex customer issues
    • Ability to provide strong customer service while actively listening and responding in an appropriate manner
    • Experience working with others on a team to meet customer needs
    • Cash handling experience
    • Knowledge and understanding of retail compliance controls, risk management, and loss prevention
    • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
    • Ability to interact with integrity and professionalism with customers and team members
    • Customer service, operations, or financial services management experience within a high volume, fast-paced and constantly changing environment
    • Ability to work effectively under pressure, meet deadlines, exercise independent judgment, and use critical thinking skills
    • Ability to lead a team to influence, educate, and connect customers to technology and share the value of digital banking options
    • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
    • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

      Job Expectations
      • Ability to work weekends and holidays as needed or scheduled
      • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.

        Salary Information
        The salary range displayed below is based on a Full-time 40 hour a week schedule.

        FL-Tallahassee: Min: $32,600 Mid: $44,600


        Street Address
        FL-Tallahassee: 1701 W Tharpe St - Tallahassee, FL


        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Private Mortgage Banker   

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Job Description
Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Private Mortgage Banker.? This individual is responsible for producing high quality jumbo residential mortgage loans that meet Wells Fargo Home Mortgage guidelines by building relationships focused on affluent borrowers with realtors, builders, financial professionals, bank stores, past customers, and other non traditional sources.? Strong sales and organizational skills are essential.? Bi-lingual job seekers are encouraged to apply.??Additional duties include:
  • Develop knowledge of company products, policies and procedures, and underwriting requirements
  • Understand real estate appraisals, title reports, and real estate transactions
  • Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures
  • Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk
  • Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in
  • Develop and maintains a high degree of visibility for WFHM in the marketplace
  • Perform miscellaneous duties as needed and required

    Required Qualifications
    • 2+ years of sales experience in financial services, outside sales experience, or a combination of both

      Desired Qualifications
      • Basic Microsoft Office skills
      • Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources
      • Excellent verbal, written, and interpersonal communication skills
      • Mortgage industry experience
      • Knowledge and understanding of sales prospecting and generating referrals
      • Bilingual speaking proficiency in Spanish/English
      • Customer service experience
      • A BS/BA degree or higher
      • Experience working with ultra-high-net-worth clients

        Job Expectations
        • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (https://God.blue/splash.php?url=lA3zOXaP19lFvmfrQ2WhFqTdSjcGkgExm0LO_SLASH_d_PLUS_RIWYg_PLUS_z7lpD76gV_SLASH_ZhMZuR2S45yySxnkAnmOsHIlt8etF_SLASH_W7y1tD08SlWUIuqBdT7Z9bME94UfHFqi6a2zkGERolewrqldMh0GJCmnBoHp9BlFA_EQUALS__EQUALS_ ) provides the MU4R questions and registration required for employment in this position.
        • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
        • This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.
        • Ability to lift 20+ pounds
        • Reliable transportation
        • Ability to work nights, weekends, and/or holidays as needed or scheduled

          Street Address
          FL-Boca Raton: 975 S Federal Hwy - Boca Raton, FL
          FL-Miami: 333 Se 2nd Ave - Miami, FL
          FL-Fort Lauderdale: 350 E Las Olas Blvd - Fort Lauderdale, FL


          Disclaimer

          All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

          Relevant military experience is considered for veterans and transitioning service men and women.
          Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


          Company Description:

          Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Personal Banker (SAFE) 1 Bismarck Main   

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Job Description
Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a personal banker at Wells Fargo you will deliver exceptional customer experience, build relationships, and help consumer and small business customers succeed financially. You will engage customers in conversation and ask questions to understand what?s most important to them to allow you to provide product, service and digital options that align with their needs and help make banking easier for them.Your responsibilities include:? Building relationships with customers through proactive outreach and follow up, asking questions and learning about their financial needs? Deep knowledge of bank products and services and connecting those to customer needs? Building relationships with branch team members and partners, allowing you to work together to best serve customers? Opening new accounts, completing service requests, and submitting credit applications? Inform customers of self-service digital options and demonstrate them to customers? Helping to resolve customer concerns and escalating issues as needed? Serving as a risk leader and following policies and proceduresThis SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction.? As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.Please note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 5 weeks.? Training schedule is as follows: Monday - Friday 8:30am - 5:00pmWant to learn more about our team? Copy and paste this video URL into a new browser tab to hear what our team members are saying:https://God.blue/splash.php?url=wo_PLUS_6kabLVUxxFGG0eLhLqRn2itaItrvbKpjdDY7uCV4IpHC_SLASH_8wrGmrOSEr3eeoZ0UjTrZlj7bZ7PdTl9IKYMU9_PLUS_925PaBzDQCZw00SE9V1uNmnotW8G00U2HvO1zvy67e65uK5xZYheXRjxJOM6mUhgqJAkTbE5N_PLUS_QoZAWuLknmSM8avz26At629Cclea7h9pyfqxwx94iLVSsTKGP6aNg_EQUALS__EQUALS_???

Required Qualifications
  • 2+ year of experience interacting with people, demonstrated through work, military, or education

    Desired Qualifications
    • Customer service focus with experience handling complex transactions across multiple systems
    • Experience proactively engaging with customers through outreach via phone or email
    • Ability to influence, educate, and connect customers to technology
    • Ability to help customers succeed financially by offering introductions to additional team members as appropriate
    • Ability to meet or exceed performance objectives
    • Ability to interact with integrity and professionalism with customers and team members
    • Experience working with others on a team to meet customer needs
    • Experience fostering and developing strong customer relationships
    • Ability to build strong relationships with internal partners and customers
    • Ability to follow policies, procedures, and regulations
    • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
    • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
    • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

      Other Desired Qualifications
      ? Multilingual speakers are encouraged to apply

      Job Expectations
      • Ability to work weekends and holidays as needed or scheduled
      • This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (https://God.blue/splash.php?url=5jSDjFDHD6IRMM7OUGs21tK1kDGVwwe4KJ38FXQxLNVE_SLASH_LLSX0ktXbyWHctnpHqmrWhhnhnGTAF_PLUS_0YZguYhGjlFsFUUYlzFCR_SLASH_VSCOOqWX0FtsD8x2ZqbsFKsBZMhy0mnLRxROaIorWsG_PLUS_Uw4pzLdA_EQUALS__EQUALS_ ) provides the MU4R questions and registration required for employment in this position.
      • Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.

        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Teller 20 Hours Tustin   

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Job Description
Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 3 weeks. Training schedule is as follows: Monday ? Friday ? 8:30am ? 5:00pm.

Required Qualifications
  • 1+ year of experience interacting with people, demonstrated through work, military, or education

    Desired Qualifications
    • Customer service focus with experience handling complex transactions across multiple systems
    • Ability to influence, educate, and connect customers to technology
    • Ability to interact with integrity and professionalism with customers and team members
    • Ability to meet or exceed performance objectives
    • Experience working with others on a team to meet customer needs
    • Cash handling experience
    • Ability to follow policies, procedures, and regulations
    • Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss
    • Well-organized, independent and able to prioritize in a fast paced environment
    • Ability to exercise judgment, raise questions to management, and adhere to policy guidelines
    • Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions
    • Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting
    • Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting

      Other Desired Qualifications
      ? Multilingual speakers are encouraged to apply???

      Job Expectations
      • Ability to stand for extended periods of time
      • Ability to work weekends and holidays as needed or scheduled

        Street Address
        CA-Tustin: 2677 Park Ave - Tustin, CA


        Disclaimer

        All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

        Relevant military experience is considered for veterans and transitioning service men and women.
        Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.


        Company Description:

        Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship.

          

Discrepancies in 2020 budget curious —Rep   

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Tribune Online

Discrepancies in 2020 budget curious —Rep


budget, Ilaje Odo

Honourable Kolade Akinjo, member represented Ilaje Odo federal constituency of Ondo State in this interview by KEHINDE AKINTOLA, bears his mind on issues bothering on abandoned projects in the 2019 Appropriation Act,the newly introduced line items christened ongoing projects and the planned refund of N26.9 billion on the aborted privatised Yola Disco.


 


ONE of the primary functions of the legislature is appropriation. In the engagement with the Ministries, Departments and Agencies (MDAs) so far, can you say you have been critical enough to ensure that resources not well appropriated are readjusted, so as to disabuse the minds of Nigerians who perceive the National Assembly as a mere rubber stamp?


The power of the purse led and resides constitutionally with the National Assembly because this country functions on constitutionalism and the grand norm is the 1999 Constitution. So, it’s constitutionally positioned to ensure that there’s a balanced proposal between the executive and the legislature; it is very important. Something fundamental that we discovered as representatives of the people in the current budget is that so many projects were christened, classified or named as ongoing, whereas those projects are not ongoing; they are fresh projects. How do you put into a budget that  the president came to read on the floor of the National Assembly projects that are not yet conceptualised and you call it an ongoing project? That is quite misleading. When you say a project is ongoing, then it means you are also supposed to bring about 90 per cent of the project is 2019 to 2020. That was never done. They left out almost all the ongoing projects of 2019 not captured in 2020 and they named new projects as if they are ongoing projects. That again is an infraction on the law of the budget.


Many of the ministries are doing what I call financial calamity; infrastructure imbroglio and it’s really disturbing. So if we are not working as parliamentarians, we wouldn’t have discovered this. And that is not good and not healthy for the economy of the country. And I think the president just has been misled. So, we as a people representing the people owe it a duty to ensure that we fix the gap, ensure that the 2019 ongoing projects are captured. For instance, the project that was in the Ministry of Niger Delta is an ongoing project but it did not reflect so; new projects were made to be seen as ongoing projects, amounting to N500 million, N200 million and N1 billion for projects that are new in the ministry. So, what we need to do as parliamentarians is to go back to 2019; check all the ongoing projects and see whether they are there, but they are not there. If a project that we have in 2019 that ought to be ongoing in 2020 are not there and you brought a fresh project and said they are ongoing, then it’s quite misleading.


Why 3 p.m. is best time for couples to make love — Hormone experts


To what extent are you satisfied with the performance of the MDAs during the 2020  budget defence?


By my own understanding of what the budget is as at the time President Buhari presented the budget, I think it’s a  welcome development. The president presented the budget early so that we can work on it between the windows available to us to pass the budget as at when due so that Nigerians can begin to feel the impact of the budget from  January 1, 2020. And the receipt of the budget by the parliamentarians also was a welcome devel the law behind the budget is and the purpose of creating it, a law is created to tackle a purpose.


The budget is an aspect of our law to tackle the problem of our people from the sociological perspective of law-making.  So, the question is, what is the success index of the budget 2019, vis-a-vis, tackling the challenges of our people? Well,  it’s clear that we’ve not been able to increase the capital disposition of the budget for more than 30 per cent, and that’s a far cry from what is expected that the budget should be implemented close to about 100 per cent. So, this is just barely 30 to 40 per cent of the capital outlay for 2019.


Then, how do we reconcile that with tackling the challenges of our people, which is the budget is set to achieve? If you rate that visa-vis the performance, you will want to say that nothing extraordinary has been done, especially when you look at the debt servicing profile of the budget which took about N3 trillion of the 2018 budget. The recurrent profile of that budget is about N4 trillion; the total budget is about N8 trillion. Then, what do you say about that when you use the better part of the budget to service recurrent, to service debt and then the little part goes to capital? That is why our roads are in bad shape.


Yet, we use the better part of the money to service insecurity in the north-eastern part of the country. So, you don’t see many funds going into healthcare; you don’t see so much investment going into social solidarity and social responsibility. That is why the country is just going round and round.


And don’t forget that part of the money will be filtered away by some elements through corruption here and there. So, what do we see from 2019 to 2020? What do you expect from a government that has not really shown enough capacity to what I call creative and social engineering?


How does the budget work for our people? Nothing extraordinary has been done so far. What is going on is funny to me. You want to return some money to the Yola Disco, about N25 billion. There are some aspects in the 2020 budget that is good. For instance, I saw so much money going into the pension. Of course, when you work for a  country that is driven by social orientation for 35 years, you will want to ensure that you pay their pension.


So, I saw that being captured reasonably and that will be a good one if we can get money to service it. But come to think of it, if I  get just N250 billion assigned to tackle infrastructure and then our infrastructural need is between N1 trillion and N3 trillion, that shows you have to continue to service old roads. However,  before their completion, those roads are  already bad again. So how do you reconcile that situation?


We depend on just those old roads; we don’t have the rail working effectively. The inland waterways are not working effectively. The budget is not about the people in the Presidential Villa or the Presidency. The situation is not that those in charge don’t know the problems of the country. I  think the problem is that they are just being overwhelmed.


They don’t get creative enough to understand how to resolve the problems. So, it’s disturbing when you see a budget not really critically tackling those issues. If it is one road we can fix in the whole nation, we can devout the entire money to it but all the roads are almost in a state of dilapidation. So, I think there’s the need for us to be more creative in our approach to whatever money we are allocating to the challenges and then, we’ll begin to track whether we are making progress along that line.


 


This is a festive season and you’re talking about the roads. What do you think the government should do?


There is usually medium and long-term approaches. The approach should be in form of palliatives now since we can’t fix the entire road and people will be crisscrossing the country. And maybe, there’s need to empower and enable the  Federal Road Maintenance Agency (FERMA) to look at those critical areas to at least patch them in the interim because of the challenges of traversing the country during the festive period. This is also because we know that the festive period will come even from January when we have our budget running to do something that can show that there is an element of government and governance in terms of responsibility. Of course, don’t forget that the money we are also spending is the taxpayer’s money; return something back to them to make it look as if democracy is working.


 


Nigerian Tribune


Discrepancies in 2020 budget curious —Rep

Tribune Online


Source: https://God.blue/splash.php?url=5nkP4stjhadQQ1G9FN3SDfxeT6ECiKAJko0MrmdxDQnEC0eNrCLZuMLe6iC2fpWjuIb16El4Ni8mPt3jXuOYx7mQjkMOzGmt2h9dUHts_PLUS_zcyHtMX6MGiOxgo7hu3CRXBYzYtRKWLq_PLUS_lUZWVHrykQaYwppiIyGM6jJPB6iNRyoIU_EQUALS_

          

Global Connected Enterprise Market 2018-2025, Latest Trends, CAGR Status, Growth, Analysis and Forecast | Key Players IBM Corporation, Rockwell Automation, Inc.,Honeywell International, Inc.,   

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Grand View Research, Inc. – Market Research And Consulting The connected enterprise market size is expected to reach USD 1.94 trillion by 2025. The increasing need for automation and proliferation

          

Connected Enterprise Market Is Likely To Reach $1.94 Trillion By 2025: Grand View Research, Inc.   

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Grand View Research, Inc. – Market Research And Consulting. According to report published by Grand View Research,The increasing need for automation and proliferation of connected devices is providing new growth

          

Fight inequality, beat poverty   

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Fight inequality, beat poverty Anonymous (not verified) Fri, 08/23/2019 - 14:25

Did you know that 1% now own more than the rest of us combined? Inequality is growing around the world. Every year, the gap between rich and poor gets even wider.

Such extreme inequality is standing in the way of ending global poverty. It's widening other inequalities like the gap between women and men. Our economy must stop excessively rewarding those at the top and start working for all people.

It doesn’t have to be this way – together we can even things up.

We can challenge the concentration of wealth and power in the hands of the few. We can change the rules on tax to make sure the richest pay their fair share. We can demand more spending on public health and education. We can demand fair wages for everyone. We can make sure the poorest have a voice, and those voices are heard by those in power.

Extreme poverty was halved in just 15 years. We can be the generation that ends it for good.

extreme inequality economic inequality poverty fight poverty richest 1%
The Paraisópolis favela borders the affluent district of Morumbi in São Paulo, Brazil (2008). Photo: Tuca Vieira
The Paraisópolis favela borders the affluent district of Morumbi in São Paulo, Brazil (2008). Photo: Tuca Vieira

Did you know that 1% now own more than the rest of us combined? Every year, the gap between rich and poor gets even wider – standing in the way of ending global poverty. It is time to bring an end to inequality and overcome poverty for good. Join us and take action.

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Other: Teller 20 Hours Tustin - Tustin, California   

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Job Description Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? 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Multilingual speakers are encouraged to apply??? Job Expectations Ability to stand for extended periods of time Ability to work weekends and holidays as needed or scheduled Street Address CA-Tustin: 2677 Park Ave - Tustin, CA Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()

          

Top AI Stocks: This Trillion-Dollar Industry Has Investors Excited for the Future   

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Top AI Stocks
The technology sector is almost always a "hurry up and wait"' game. Companies on the cutting edge of tech relentlessly pour years and cash into research and development, with eyes keenly focused on the long game.

When it all comes to fruition with a truly breakthrough, innovative product, tech stocks can be among the most lucrative around. And that is very much the case with the top AI stocks.

A recent spat between Alphabet Inc (NASDAQ:GOOG) and IBM (NYSE:IBM) illustrates that the race for AI stock supremacy is getting heated.

Before we get into the GOOG stock vs. IBM stock fight, let's take a broader look at the AI.

The post Top AI Stocks: This Trillion-Dollar Industry Has Investors Excited for the Future appeared first on Profit Confidential.


          

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Job Description Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Private Mortgage Banker.? This individual is responsible for producing high quality jumbo residential mortgage loans that meet Wells Fargo Home Mortgage guidelines by building relationships focused on affluent borrowers with realtors, builders, financial professionals, bank stores, past customers, and other non traditional sources.? Strong sales and organizational skills are essential.? Bi-lingual job seekers are encouraged to apply.??Additional duties include: Develop knowledge of company products, policies and procedures, and underwriting requirements Understand real estate appraisals, title reports, and real estate transactions Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in Develop and maintains a high degree of visibility for WFHM in the marketplace Perform miscellaneous duties as needed and required Required Qualifications 2+ years of sales experience in financial services, outside sales experience, or a combination of both Desired Qualifications Basic Microsoft Office skills Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources Excellent verbal, written, and interpersonal communication skills Mortgage industry experience Knowledge and understanding of sales prospecting and generating referrals Bilingual speaking proficiency in Spanish/English Customer service experience A BS/BA degree or higher Experience working with ultra-high-net-worth clients Job Expectations This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (https://God.blue/splash.php?url=9_SLASH_VtQw8y_PLUS_4WedFijj2O5qhnPUvyedUZxNBYQI0Q7HeFnXDtNy8b_SLASH_xpupuxLChJY_PLUS_u_PLUS_nIO8PvVVNG_PLUS_wkE68vGZVMrcBsGP90h8USInPgLbHB4wz6Yp_PLUS_6JkPwJZeIhirA4KfAoSJYA7ukp874Cqw6wgA_EQUALS__EQUALS_ ) provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary. This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents. Ability to lift 20+ pounds Reliable transportation Ability to work nights, weekends, and/or holidays as needed or scheduled Street Address FL-Boca Raton: 975 S Federal Hwy - Boca Raton, FL FL-Miami: 333 Se 2nd Ave - Miami, FL FL-Fort Lauderdale: 350 E Las Olas Blvd - Fort Lauderdale, FL Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()

          

Green jobs now employ 10x more people than fossil fuel   

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  • The United States green economy now employs 10 times more people than the fossil fuel industry, providing nearly 9.5 million jobs.
  • In the face of a global climate catastrophe, the green economy is destined to keep rising at an exponential rate over the next decade.
  • Rather than seize this golden economic opportunity, the Trump administration has promised to protect coal and mining jobs while eviscerating funds from green energy.


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According to a pair of economic researchers in the United Kingdom, the United States green economy now employs 10 times more people than the fossil fuel industry.

And that isn't to say that the fossil fuel industry hasn't been growing. In fact, from 2015 to 2016, the fossil fuels industry, which includes coal, oil, and natural gas, employed approximately 900,000 people in the U.S. according to government figures. But the two British researchers — they are based at University College London — found that over the same period this was eclipsed by the green economy, which actually provided nearly 9.5 million jobs.

That's 4 percent of the population of working age individuals.

The Rise of the ‘Green Economy’


Because the green economy is so dispersed, figures detailing green job statistics have probably underestimated how many jobs that sector was creating.

In this study, the researchers calculations accounted for 26 sub-sectors. These included marine pollution regulators, carbon capture, biodiversity, wind and solar power, and air pollution. The analysis showed that the green economy is worth a total of $1.3 trillion, contributing to a substantial chunk — 7 percent — of the U.S. GDP.

As nation's find themselves under increasing pressure to rapidly shift away from fossil fuels to renewable energy in order to avoid 1.5°C global warming and meet the emissions standards set forth in the Paris Agreement, it's looking like the green economy is destined to keep rising at an exponential rate over the next decade. As the world heats up, so does the market demand for green energy and technology.

Already, renewable energy accounts for 15 percent of our total electricity generation according to the United States Energy Information Administration. Investments in renewable energy are proliferating, and even places once known as petroleum meccas are being yanked into the tides of change. For instance, Texas now attributes a portion of its energy production to renewable resources. Some researchers are even predicting that the world will be ready to go 100 percent renewable by the year 2050.

Some say that we have the technology to do it right now. For example, a new study published in September made an extraordinary finding: Maximizing onshore wind energy potential in Europe could power the entire continent via wind farms up to 100 times over. That's enough to power the whole world until 2050.

All around the world transitions to green energy are being made. Kenya, on a mission to go totally emission-free by 2020, recently began one of Africa's largest wind power farms. Over in the Middle East, the United Arab Emirates just launched one of the world's largest solar farms while Saudi Arabia is said to be working on a solar farm.

Meanwhile, the fossil fuel empire has faltered. Once the safest bet on the market, the industry is now an increasingly floundering enterprise. According to the Guardian in 2018, researchers at the Institute for Energy Economics and Financial Analysis claimed that the industry was the weakest it's been in decades.

Losing Economic Opportunity


Of course, if you're someone who believes the bulk of scientific evidence telling us that fossil fuels contribute to rising CO2 emissions that threaten human life on earth, investing in the green economy goes beyond numbers and dollar signs. It means investing in public health, national security and the existence of the next generation. But according to the researchers at University College London who conducted this latest study, the investment in the green economy is a good economic choice as well.

"If you want to be a hard-nosed neoliberal economist you would say, 'Let's support the green economy as much as possible," Mark Maslin, one of the researchers, told New Scientist. He also noted that the Trump Administration's plan to promote fossil fuels was "stupid when it comes to economics."

Rather than seize this golden economic opportunity, the Trump administration has promised to protect coal and mining jobs while eviscerating funds from green energy. Considering the math, this is an economically misguided move.

According to the researchers, this research demonstrates how other countries could tap into a huge source of potential to develop their own green economies. Their findings suggest that the U.S. is at risk of losing its competitive edge in the global economy if it doesn't work to better develop energy, environmental and educational policies to support its green economy.

In other words, despite what the president has harped at, the "America First Energy Policy" is looking to be a bad deal for the United States.
          

Other: Teller 20 Hours Tustin - Tustin, California   

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Job Description Important Note: If you are selected to move forward in the process, next steps for this job may include an on-line assessment and a video screen.? Please make sure your profile includes a current email address that you check regularly (including your spam folder) as the invitations for these activities will be emailed to you.? For internal candidates, you must apply via the Jobs site on Teamworks or Teamworks at Home and please ensure your profile lists a personal (external) email address as your primary email address so you can receive communications and complete these potential activities. Please refer to the Team Member Handbook for more information on the Internal Job Opportunities Process.To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.?????As a teller at Wells Fargo you will spend your time interacting with customers focused on providing exceptional customer service and building relationships.? You will engage customers in conversations and share ways Wells Fargo can help to meet their financial needs.Your responsibilities include:? Engaging customers in conversations, listening to them, and proactively helping to meet their financial needs?? Asking questions to get to know the customer to build relationships? Introducing customers to another branch team member or sharing digital options that may make banking easier for them.?? Working as a part of a team to help customers succeed financially? Following policies and procedures to minimize risk? Accurately and efficiently processing transactions? Maintaining a cash drawer including taking in and giving out cash and balancingPlease note: Based on the volume of applications received, this job posting may be removed prior to the indicated close date.?? If you do not apply prior to the closing of this posting, we encourage you to apply for other opportunities with Wells Fargo.Position requires full-time training for 3 weeks. Training schedule is as follows: Monday ? Friday ? 8:30am ? 5:00pm. Required Qualifications 1+ year of experience interacting with people, demonstrated through work, military, or education Desired Qualifications Customer service focus with experience handling complex transactions across multiple systems Ability to influence, educate, and connect customers to technology Ability to interact with integrity and professionalism with customers and team members Ability to meet or exceed performance objectives Experience working with others on a team to meet customer needs Cash handling experience Ability to follow policies, procedures, and regulations Ability to identify potential fraud/risky accounts and take appropriate action to prevent loss Well-organized, independent and able to prioritize in a fast paced environment Ability to exercise judgment, raise questions to management, and adhere to policy guidelines Customer service focus with experience actively listening, eliciting information, comprehending customer issues/needs, and recommending solutions Relevant military experience including working with military protocol and instructions, enlisted evaluations, officer/leadership reporting Relevant military experience including working in personnel benefits management, processing military personnel orders or transitions, wartime readiness operations, human resources or military recruiting Other Desired Qualifications ? Multilingual speakers are encouraged to apply??? Job Expectations Ability to stand for extended periods of time Ability to work weekends and holidays as needed or scheduled Street Address CA-Tustin: 2677 Park Ave - Tustin, CA Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()

          

Your Gut and Your Health   

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Bottom Line: Bacteria is something we are trained to from childhood, but the truth is that our bodies are filled with trillions of bacteria that help play an essential role in

          

The Payments Transformation Race - who's winning?   

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The world of payments is going to be fundamentally transformed within the next 5 years. McKinsey & Co. have reported that payments will become a $2 trillion business by 2020 and potentially $3 trillion by 2025. Payments will be reshaped by technology and redefined by regulation, and most importantly, payments will be refocused from a commoditised proposition to a strategic, value-adding solution. There is no doubt that banks who have a clear and robust payments transformation plan will be more profitable than their competitors, widening the gap between the winner and losers in the transformation race. However, according to recent research by financial technology company Icon Solutions and consultancy firm Aite Group, The Payments Transformation Race: Criteria for Success 63% of top tier banks are reporting that they are either close to or below profitability hurdles for payments. So how can banks may sure they have a slice of the pie? The true success of a payments transformation effort is not immediately measurable so how do institutions reconcile themselves with a longer term pay off? Are there any quick wins that can help showcase return on investment? During this webinar we will take stock of the state of play today, paint a picture of the future of payments, identify key developments already underway and examine what is needed from market participants. Key insights will be shared from the research as well as on-the-ground perspectives from banks undergoing their own payments transformation program.

          

Other: Compliance Consultant 4 - Equity Derivatives Compliance Officer - New York, New York   

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Job Description Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.?Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.?Corporate Risk helps all Wells Fargo businesses identify and manage risk. The team focuses on several key risk types, including conduct, credit, financial crimes, information security, interest rate, liquidity, market, model, operational, regulatory compliance, reputation, strategic, and technology risk.The group provides leadership, enhances communications, assists with problem identification and solutions, and shares best practices. In addition, the group provides an enterprise-wide view of risk, assists management and our Board of Directors in identifying and monitoring risks that may affect multiple lines of business, and takes appropriate action when business activities exceed the risk tolerance of the company.The compliance consultant will be responsible for managing compliance risk, conducting surveillance, developing infrastructure and providing advisory support to the line of business (LOB) for all aspects of the regulatory and reputation risk in relevant product areas.? LOB activities include listed options sales and trading, corporate derivatives origination, structured products sales, trading and origination, convertible bond sales and trading, and over-the-counter derivatives.?Responsibilities include: Reviewing exception based surveillance reports to assess compliance with securities rules and regulations and Firm policies. Examples of relevant rules include but are not limited to Regulation SHO, FINRA and listed options order handling rules, Regulation NMS, trading ahead of market events, LOPR, option position limits, SEC Rule 15c3-5, trade reporting and frontrunning. Provide real-time advisory services to covered business units. Develop and implement compliance programs to enable LOB management to demonstrate to regulators the firm?s compliance with FINRA, SRO and SEC regulations.?? Create and foster strong working relationships with other business support partners such as Legal, Operations, and Technology, and liaise with compliance teams working at affiliated entities.? Identify and advise on potential conflicts of interest and provide necessary interpretive guidance to senior business leadership. Assist in the review of new products and initiatives. Review sales communications and marketing materials. Draft compliance policies and procedures. Provide compliance training to relevant staff. Maintain LOB surveillance and supervisory infrastructures.? Required Qualifications 6+ years of experience in compliance, operational risk management (includes audit, legal, credit risk, market risk, or the management of a process or business with accountability for compliance or operational risk), or a combination of both; or 6+ years of IT systems security, business process management or financial services industry experience, of which 3+ years must include direct experience in compliance, operational risk management, or a combination of both 3+ years of derivatives experience Desired Qualifications Advanced Microsoft Office skills Excellent verbal, written, and interpersonal communication skills Strong analytical skills with high attention to detail and accuracy Ability to interact with all levels of an organization Other Desired Qualifications Strong product knowledge of listed and over-the-counter equity derivatives. Strong understanding of the rules of main US options and stock exchanges. Experience working within a trading environment Must demonstrate flexibility, sound judgment, problem solving and analytical capabilities, and the ability to multi-task. The ability to clearly communicate regulatory guidance in a fast paced environment to all levels of associates, including senior management. Ability to analyze detailed, complex securities regulations and transactions ? Street Address NY-New York: 375 Park Ave - New York, NY Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()

          

USA | Jagt den Klimaleugner aus dem Weißen Haus!   

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Der nächste Präsident muss dem Pariser Klimaabkommen wieder beitreten und der Welt zeigen, dass die USA bereit sind, beim Klimaschutz eine führende Rolle zu übernehmen
Jagt den Klimaleugner aus dem Weißen Haus!

Präsident Trump hat sein verhängnisvolles Versprechen, die Vereinigten Staaten aus dem Pariser Klimaabkommen herauszuholen, nun erfüllt. Dieses Abkommen ist das Ergebnis jahrzehntelanger Arbeit sowohl demokratischer als auch republikanischer Regierungen, um ein gemeinsames Ziel zu erreichen: alle Länder der Welt zusammenzubringen, um die Klimakrise, die existenzielle Bedrohung unserer Zeit, zu bewältigen.

Trump überraschte niemanden mit seiner Entscheidung, sich aus dem Abkommen zurückzuziehen. Es ist eine weitere rücksichtslose Entscheidung im Einklang mit seinen bisherigen Bemühungen, unsere Umweltgesetze, die seit Jahrzehnten unser Wasser und unsere Luft sauber halten, zurückzunehmen. Das schmälert nicht die Ausmaße seines letzten Vorstoßes. Trump gibt nicht nur die amerikanische Führung im Kampf gegen den Klimawandel an einem kritischen Punkt ab, sondern verschenkt auch amerikanische Arbeitsplätze in der sauberen Energiewirtschaft der Zukunft – und verzichtet auf die größte wirtschaftliche Chance unserer Zeit.

Die Wissenschaft ist sich einig: Die Kosten des Klimawandels sind noch höher, als wir dachten. In der Tat, ein Bericht, der letztes Jahr von Trumps eigener Regierung veröffentlicht wurde, ergab, dass der Klimawandel bis zum Ende des Jahrhunderts die amerikanische Wirtschaft jedes Jahr Hunderte von Milliarden Dollar und Tausende von Menschenleben kosten wird. In den USA spüren wir bereits die Auswirkungen der Untätigkeit – stärkere Waldbrände in Kalifornien, Rekordüberflutungen im Mittleren Westen und verheerende Hurrikans von Houston bis New Orleans. Die globalen Risiken sind noch größer: Der Klimawandel lässt bereits instabile Regierungen noch instabiler werden, schürt internationale Konflikte und schafft Klimaflüchtlinge auf der ganzen Welt. Darüber hinaus breiten sich Krankheiten in neue Teile der Welt aus und kosten immer mehr Menschenleben. Von Jahr zu Jahr richtet die Klimakrise mehr Unheil an.

Doch anstatt Menschenleben zu schützen und gut bezahlte Arbeitsplätze zu schaffen, haben wir die Klimapolitik in Washington von großen Ölkonzernen bestimmen lassen. Diese Unternehmen haben drei Jahrzehnte lang die Öffentlichkeit im Hinblick auf die Klimakrise getäuscht sowie Lügen und Fehlinformationen durch ihre Lobbyisten verbreitet. Mit Donald Trump im Weißen Haus haben sie jetzt einen Klimaverweigerer an der Spitze.

Wir scheuen nicht den Kampf

Präsident Trump hausiert weiterhin mit Lügen über die Klimakrise, während er große Umweltverschmutzer wieder dazu bringt, unsere Luft und unser Wasser zu vergiften. Er behauptet zu Unrecht, dass die Einhaltung des Pariser Abkommens die Amerikaner „Milliarden Dollar kosten und Millionen von Arbeitsplätzen gefährden“ würde, „ohne dass eine sinnvolle Reduzierung der Emissionen stattfinden“ würde. Nichts könnte weiter von der Wahrheit entfernt sein. Die Weltbank schätzt, dass das Pariser Abkommen in den nächsten zehn Jahren eine Investitionsmöglichkeit von 23 Milliarden US-Dollar in den 20 wichtigsten Entwicklungsländern geschaffen hat. Da sich diese Länder in Richtung 100 Prozent sauberer Energie bewegen und andere Länder der Welt es ihnen gleich tun, werden die Märkte für Amerikas Innovationen im Bereich der sauberen Energien weiter wachsen.

Mein Green Manufacturing Plan wird die Entwicklung sauberer Energien hier in den Vereinigten Staaten vorantreiben. Mit Investitionen von zwei Milliarden Dollar, um saubere Energien im In- und Ausland zu fördern, und gleichzeitig Millionen neuer, gut bezahlter Arbeitsplätze schaffen. Und mein Green Marshall Plan würde Ländern im Ausland unmittelbar helfen, saubere Energieprodukte aus den USA zu kaufen, was die Märkte für umweltfreundliche Produktion weiter vergrößern würde.

Die nächste Präsidentin der USA muss dem Pariser Abkommen wieder beitreten, doch das allein reicht nicht. Sie muss der Welt zeigen, dass die Vereinigten Staaten bereit sind, auf der internationalen Bühne wieder eine Führungsrolle zu übernehmen. Der erste Schritt besteht darin, eine neue Verpflichtungserklärung der USA im Rahmen von Paris einzureichen, mit der wir unser bisheriges Ziel – eine schnelle Emissionsreduzierung – erhöhen. Ich habe einen Plan dafür. Als nächstes müssen wir andere Nationen wie China und Indien dazu ermutigen, diesen Kampf mit uns zu führen. Und der Klimaschutz muss ein wichtiges Prinzip in der amerikanischen Diplomatie sein. Das bedeutet: Egal ob es sich um die Aushandlung neuer Handelsabkommen oder die Bewältigung von Sicherheitsbedrohungen handelt – meine Regierung würde die Auswirkungen des Klimawandels berücksichtigen, wenn wir außenpolitische Entscheidungen treffen.

Die Welt steht vor einer der größten Bedrohungen, denen wir je begegnet sind. Aber US-Amerikaner entziehen sich keinem Kampf. Wir führen ihn an. Im November 2020 wird nicht nur Donald Trump zur Abstimmung stehen, sondern auch die Chance, die amerikanische Klimaführerschaft für eine sicherere, sauberere, sicherere und wohlhabendere Zukunft zu erneuern.

Elizabeth Warren ist US-Senatorin in Massachusetts und tritt in der Vorwahl der Demokraten für die Präsidentschaftskandidatur an

Lesen Sie mehr in der aktuellen Ausgabe des Freitag.


          

If you consider the 'Pi' constant too obvious, I gotcha covered.   

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I read this article over lunch today, which, as a wannabe not really math guy, I found fascinating:

 

https://God.blue/splash.php?url=WVo3LnOmv2r9l0J2KWvSH9oL7ruMJlgcKV7ZpFNUTYZX_SLASH_KXL_SLASH__PLUS_0sVqw7Vby2cmnGRBjp3Y2OaLXZ_PLUS_KbLIKBHd2vtVYO4lGVS9pZmB6w2mFyVfRagLP21UB3PtGvdr7inqqZu8cUSVTljP_SLASH_qfzkHWSv_PLUS_xTIxKRvzrWoIyO4XUG29rgdq4bts8gDf5tYsyMunW931QICCG0nY06L9yEYnyPw_EQUALS__EQUALS_

 

Within the article, they listed a formula by some joker named Ramanujan that has assisted in the calculation of trillions of digits of Pi:

 

wtf.png

 

My reactions upon seeing this formula:

Reaction #1: say wut

Reaction #2: no seriously, wtf

Reaction #3: There is no way that works, I gotta try it

 

So I wrote a VI (attached below, saved in LabVIEW 2014) to make sure a world-renowned mathematician wasn't just screwing with us:

ram.png

Turns out we only need three terms of the summation to reach the limits of the precision of the EXT type, which I found pretty funny.

 

All this to say, if you pride yourself on obfuscated code (which, believe it or not, some developers actually do), say hello to the new face of 'Pi' in LabVIEW!


          

16 Tips for Shopping Cart Recovery Email   

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With the global average cart abandonment rate ranges between 60 and 75%, trillions of dollars of merchandise will be left behind this year. However, 63% of abandoned carts (Barilliance) are potentially recoverable with cart...

The post 16 Tips for Shopping Cart Recovery Email appeared first on Ecommerce Illustrated.


          

economic news of india - world economic news - economics news for students - indian economy news   

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economic news of india - world economic news - economics news for students - indian economy news


AGR judgement may hit any company with a telecom licence

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NEW DELHI: The impact of the Supreme Court order on the definition of adjusted gross revenue (AGR) may not be restricted to telecom companies. It could also have an impact on any entity that has taken telecom service licence, such as internet service providers (ISPs), satellite communications providers, cable operators and even companies in the power, steel and railways sector, said legal experts and industry executives, making them liable to pay AGR-based dues.People familiar with the matter said that the Department of Telecommunications (DoT) is examining the wider ambit of the apex court's judgement, which backed the government's stance of including non-core revenue under AGR. Discussions have started on whether the DoT can send demand notices to such companies. Under the Supreme Court order, telecom companies may need to pay over Rs 1.3 lakh crore in three months in AGR-based dues."A licence which has the words 'gross revenue,' be it ISP or telecom or any other similar licence, will have to share a part of its gross revenue with the government, by applying the principles of the SC judgement," said senior advocate Gopal Jain. "DoT's argument in the telecom case was that gross revenue would include income and revenue from all streams." Telcos pay licence fee to the government on the basis of AGR.About 40 Licence HoldersDoT could demand licence fees, interest, penalties and interest on penalties from about 40 licence holders. A rough calculation puts this amount at more than Rs 94,000 crore in dues over the past five years and more than Rs 2.8 lakh crore for the past decade, including interest and penalties, an executive added.This could have a broader impact amid slowing economic growth."The ruling may have wider impact including a domino or cascading effect, given the fragile state of the economy," Jain said. "Key sectors must be strengthened that will give a fillip and a boost. Economic sentiment is crucial at this juncture and it is important that industry is in a position to raise resources and discharge debt, so that (they) fire on all cylinders as India is looking to grow to become a $5 trillion economy."In its October 24 judgement, the Supreme Court said gross revenue for arriving at AGR would be the "total revenue of licensee company." Further, revenue arising out of non-telecom activities, with certain exceptions, will have to be included in gross revenue, which would be the total revenue of the company.As per DoT's website, about 40 entities in power, steel, metro rail, oil and gas, cable television and other sectors have taken licences to provide national long distance (NLD), international long distance (INLD) and very small aperture terminal (VSAT) services, as well as a unified licence, which includes all of these categories and more.All of them could be liable to pay AGR dues even though they were not party to the case or the migration package that telecom companies like Bharti Airtel and Vodafone Idea took to move from a licence fee regime to revenue sharing in 1999.Telecom service providers such as Bharti Airtel and Vodafone Idea, party to the case since 2003, have to pay licence fees, interest, penalties and interest on penalties amounting to over Rs 92,000 crore on revenue that has accrued to them from all activities. The carriers would also have to pay spectrum usage charges (SUC) amounting to nearly Rs 41,000 crore for a period of about 16 years.The carriers have urged the government for some relief, given the sector's financial condition, with debt of over Rs 7 lakh crore amid increasing competition and eroding revenues and profits due to rock bottom tariffs. A government panel is exploring ways of providing some relief to restore the health of the sector.

Infosys asks PwC to probe rigging charge

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MUMBAI: Infosys has hired PwC to investigate two whistle-blower complaints alleging financial malfeasance against chief executive Salil Parekh and finance chief Nilanjan Roy, three people with direct knowledge of the matter said.The Bengaluru-based technology company has already roped in law firm Cyril Amarchand Mangaldas to look into the legal side of the complaints and asked its internal auditor, EY, to probe its revenue recognition practices. Its board on Saturday decided to carry out an investigation independent of the other two as it wanted a "fresh set of eyes" to look into the allegations, said the people.PwC's investigation would cover the contracts that Infosys entered into with some of its clients and the way it recognised revenue, they said. It has been asked to submit the report within two months. 71947565 "Initially there was a view that most people including investors and clients would see that the issue and allegations do not hold water. But looking at the impact that this has had (on stock price and reputation), many board members were of the view that a separate investigation should also be carried out," said one of the people.An Infosys spokesperson, responding to an email query, said, "We do not have any information or comment to share on the below (question) at this time." PwC did not respond to ET's query till press time Wednesday."The investigations would focus on the allegations, but the firm (PwC) is mandated to even go beyond the allegations and a broader time period, and the company's deals would be investigated," said another person in the know. "The firm has been asked to submit the report as early as possible," he said."Process review of certain contracts with customers would be carried out … This is a separate line of investigation and we want that this forensic audit (by PwC) look into revenue recognition and actually investigate contracts," said the third person.Infosys last month said an unnamed whistle blower, apparently a group of employees, had accused top executives of unethical practices. The company said its audit committee had been asked to look into the complaints and take necessary actions.The whistle-blower letter, written to the US Securities and Exchange Commission and the board of Infosys, alleged that fearing a negative impact on the share price, the CEO instigated some employees to bypass approvals in order to fetch some large deals.

A tax notice leaves Tata Trusts hopping mad

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MUMBAI: Tata Trusts has informed income tax authorities that it does not need exemptions to carry out charitable activities. This was stated by Tata Trusts in its submission to the tax authorities in October.Officials close to the trusts said the intent of these institutions has always been to carry out philanthropic activities, with or without tax exemptions. However, the trusts could find themselves in a precarious position if they lose the ongoing legal tussle with the I-T department, added the officials."...It is important to appreciate that in its essence the Trust was established for undertaking charitable activities. The Trust has not lost its character as a charity; it has only given up the registration. The Trust does not derive its identity as a charity from the Income Tax Act. The registration only confers certain benefits because the Trust is a charity," said the reply filed by one of the six trusts, which was reviewed by ET.71947599 On October 31, the office of the principal commissioner of income tax (Mumbai) cancelled the registration of six Tata trusts — Jamsetji Tata Trust, RD Tata Trust, Tata Education Trust, Tata Social Welfare Trust, Sarvajanik Seva Trust, and Navajbai Ratan Tata Trust — for alleged violation of the Income-Tax Act."If we are forced to pay the arrears after the long-drawn legal process, we might as well fold up. And that will be a big loss to our nation," said an official close to the trusts.Tax Dept Cited Two Main GroundsWhile the tax department has not yet sent a demand notice, sources in the Trusts said they will have to pay upfront 20% of the estimated Rs 12,000-crore tax demand before approaching the Income Tax Appellate Tribunal (ITAT). These sources added that the grounds mentioned by the Trusts while contesting the I-T notice in October will also be mentioned in the appeal before ITAT. Officials close to the development said Tata Trusts will have to sell its shares in Tata Sons to meet the potential tax liability.The Tata Trusts, chaired by Ratan Tata, is the largest shareholder in Tata Sons with 66% equity stake. The trusts include Sir Dorabji Tata Trust, Sir Ratan Tata Trust, JRD Tata Trust, RD Tata Trust, Tata Education Trust, Tata Social Welfare Trust and Sarvajanik Seva Trust. Vijay Singh, Venu Srinivasan and RK Krishna Kumar are the main trustees of these trusts.Sir Ratan Tata Trust owns 23.56% stake in the conglomerate's holding company Tata Sons, while Sir Dorabji Trust owns 27.98%.In July, the I-T department had served notices on a set of Tata trusts, seeking to reopen assessment, and questioning their decision to surrender registrations in 2015. According to Section 115 (TD) of the I-T Act, a trust whose registration has been cancelled is required to pay tax on accumulated, or 'accreted', income.The tax authorities have cited two main grounds for cancelling registrations of the trusts. One is the investments by the trusts in shares of group companies, which has been prohibited since 1971. The second is that the trusts were not functioning as per the terms of their deeds.A Tata Trust spokesperson said: "We categorically state and underscore that all our actions adhere with the Trust deeds, and are in the best interest of the Trusts. The Trusts are meant for charity, and our actions maximise our ability to perform charity. There is no violation of the deeds, there is no breach of trust."According to I-T department sources, the licences — which have been cancelled for violating the provisions of Section 115 (TD) — allow the trusts six months to file an appeal before the ITAT. "Post the expiry of the period of filing an appeal or the order in any appeal confirming the cancellation is received by the Trusts, the Trust shall be liable to pay tax on the accreted income within 14 days," states the Act.The dispute dates back to 2013, when the Comptroller and Auditor General (CAG) pointed out that Jamsetji Tata Trust and Navajbai Ratan Tata Trust had invested Rs 3,139 crore in "prohibited modes of investment". The CAG noted that the I-T department had given "irregular tax exemptions" to these trusts, resulting in loss of several crores of rupees to the exchequer.The CAG report said some of the Tata trusts held shares of Tata Consultancy Services and Tata Capital Ltd. A part of the TCS shares were subsequently divested and proceeds invested in preference shares of Tata Sons Ltd. These actions, as per the CAG, violated norms governing investments by charities.According to the persons cited above, the CAG has been writing to the tax department since 2013 seeking updates on action taken by the taxman on its findings. "Until 2015, the case was with the exemption wing (of I-T department). After the said trusts surrendered their licences, they started filing returns with the assessment wing. The newly added provision of Section 115 (TD) included in June 2016 — which allows them to claim 'accreted income' — wasn't available in 2015 when the trusts 'surrendered' their registration. However, last year, when the CAG sent another reminder, the accounts were studied and a view was taken to reopen the case," said a person privy to the developments."The I-T department's demand is based purely on the irregularities flagged off by the CAG, and subsequently mentioned by Parliament's Public Accounts Committee (PAC). It's their (the trusts') decision to stop charitable activities if they so desire. The department doesn't have a say in it," added the official, who asserted that the department will contest if Tata Trusts moves the ITAT.The Trusts have clarified on their holdings of shares of group companies: "...with reference to shares of TCS and Tata Capital held by the Trust, the provisions of Section 13(2)(h) of the I-T Act would not be applicable as these shares were received by the Trust as corpus donation and there was no investment made by the Trust."The investment in preference shares of Tata Sons Ltd was with the permission of the charity commissioner and the same were redeemed by May 2016. The proceeds from the redemption flowed into the Trusts' corpus. "Tata Sons had agreed to give the higher dividend rate specifically because the Trust is a public charitable Trust... the Trust has benefited from the investment. There is nothing to demonstrate that this investment was not in the interest of the Trust or to suggest that the Trust could have deployed its liquid funds in an alternate mode of investment which could have yielded higher return in such a short term," added the reply.Another major ground for cancellation of the registrations cited by the I-T department is the alleged violation of the Trusts' deeds. In its show-cause notice, the department said, "The trust failed to abide by its own deed as the activities of the trusts are not being carried out in accordance with the objects of the Trusts."The Tata Trusts has contested this view, saying the I-T department made general and vague allegations, and failed to specify the exact activities that were not in accordance with the objects of the Trusts. "...the proviso to clause 4 of the Trust deed does not in any way limit the power of the trustee to surrender the registration if such an act would enable the Trust to have more funds available for pursuing its charitable objectives," said the October filing by Tata Trusts."Dividend income being the main source of income of Trusts, the trustee decided in good faith to surrender the registration and claim benefit of general exemption," said the reply.

Nilekani says even ‘God’ could not change its numbers

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Infosys chairman Nandan Nilekani said the company's processes were very strong and that 'not even God' could change the reported numbers and that board supported the IT firm's management in executing its strategy.Last month, ET reported that whistleblowers had mailed the company's board and the US Securities and Exchange Commission alleging that the company's CEO Salil Parekh and CFO Nilanjan Roy were using aggressive accounting and hiding information from the auditors in order to boost revenue and margin. The company is being investigated by the US regulator and is facing strong criticism on its handling of the issue. Infosys has appointed Shardul Amarchand Mangaldas to investigate the claims."Infosys has strong processes, even God can't change the numbers of this company. Our finance team is feeling insulted by these allegations. But I don't want to bias the investigation," Nilekani told analysts at the company's analyst meet in Bengaluru.The whistleblowers had alleged that the company was not recognising $50 million in revenue reversals in some deals.71947609 Nilekani also allayed fears that the company's clients would hold back spending until the issue was resolved. He said Infosys had proactively reached out to customers to allay any concerns."Customers are extremely supportive. Customers have faith in Infosys and deal flow continues to be as good as ever," Nilekani said.He added that the company was doing everything to run business as usual and that he was grateful to the management for focusing on business.On Monday, Infosys said that it has not received any 'prima facie' evidence to corroborate the whistleblowers allegations of financial malfeasance against its top executives.The software exporter said its audit committee had begun consultations with the company's independent internal auditor Ernst and Young even before it retained outside investigators."Given the circumstances at this stage, where there is complete absence of prima facie evidence and the Anonymous Complaints are still under investigation, the Company is not in a position to determine the concreteness, credibility and materiality of the anonymous complaints," the company said in a statement to the National Stock Exchange on Monday evening.Infosys stock rose 3% following Nilekani's statements on the Bombay Stock Exchange.In October after the news of the whistleblowers' complaint broke, Infosys' shares had plunged over 16% to close at Rs 643.55 on October 22. In letters shared with ET, it appears that the whistleblowers have shared emails and call recordings to back their claims of financial malfeasance with the US SEC. However this additional information was not provided in the whistleblower letters addressed to the Infosys Board.Following the receipt of these anonymous complaints, the board discussed the matter during its meeting on October 11. Subsequently on October 21, it appointed law firm Shardul Amarchand Mangaldas and EY to look into the allegations. EY had already been tasked to look into the issue in the previous week.

BYD-Olectra, Tata Motors, Ashok Leyland in fray to supply, operate 1,200 e-buses

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NEW DELHI: BYD-Olectra, Tata Motors, Ashok Leyland and PMI Electro Mobility Solutions are among manufacturers in the fray to supply and operate about 1,200 electric buses for different state departments, people aware of the development have said.State transport utilities have floated, or are in the process of floating, tenders for about 5,500 electric buses, and out of these bids for about 1,200 buses have been opened so far, sources said.Chinese automobile maker BYDbacked Olectra is eyeing e-bus tenders in Delhi, Uttar Pradesh, Gujarat and Odisha, and is the lone bidder in Uttarakhand and Jaipur, while top domestic player Tata Motors has bid for tenders issued by Uttar Pradesh and Gujarat, sources said.Haryana-based PMI Electro Mobility Solutions, which has a technical tieup with Chinese commercial vehicle maker Beiqi Foton Motors, is in the fray for Delhi, Uttar Pradesh, Odisha and Gujarat tenders. Ashok Leyland has bid for bus supply tender only in Gujarat, sources said.71947828 Gurgaon-based JBM Auto is also actively pursuing tenders in Delhi, Gujarat and Maharashtra, another person aware of the matter said.Some original equipment manufacturers (OEMs), however, have chosen to stay away from these tenders since they do not want to enter into the operator's segment, which some of the states are demanding from manufacturers, industry insiders said.The Centre had approved subsidy for procurement of 5,595 electric buses by various state utilities across the country under phase II of Faster Adoption and Manufacturing of Electric (& Hybrid) Vehicles (Fame).Of these, 5,095 electric buses have been sanctioned for 64 cities, 400 buses for interstate transport, and 100 buses for deployment by Delhi Metro Rail Corporation.The largest number of buses have been sanctioned for Maharashtra at 725, followed by Uttar Pradesh at 600. Gujarat and Tamil Nadu have been allocated subsidy for deployment of 550 and 525 electric buses, respectively. Cities of Delhi, Bengaluru and Ahmedabad have received accord for 300 electric buses each.Delhi has floated tenders for 100 electric buses, and Gujarat for 200 buses. Rajasthan has floated tenders for 100 buses to ply in Jaipur, the sources said.Uttar Pradesh has sought bids for 600 electric buses proposed to be deployed in Lucknow, Kanpur, Prayagraj, Agra, Varanasi, Mathura, Ghaziabad, Gorakhpur and Shahjahanpur.

India's dependence on imports increases: Crude oil, natural gas output falls

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NEW DELHI: Domestic production of crude oil and natural gas has fallen by 6% and 1.5%, respectively, in the first half of the current fiscal year, further increasing dependence on imports to meet rising demand.India's oil demand growth too has slowed to 1.4% in the April-July period, compared to 3.5% in the same period last year, but a sharper decline in production has increased reliance on imports. Foreign oil made up 84.5% of the country's needs in six months to September, up from 83.3% a year earlier. Imported gas accounted for 51.2% of local needs, higher than 48.7% in the first half of last fiscal year.The government has been aiming to cut oil import dependence to 67% by 2022 but local output has been falling year after year mainly due to ageing fields and lack of major discovery. The government has introduced several policy initiatives in recent years aimed at attracting more capital and technology to the upstream sector, which in turn is expected to help raise local output. Companies too have been investing billions of dollars but country's overall output has continued to slip.Crude oil production during April-September was 16.37 million tonnes, 5.96% lower than a year earlier.ONGC, the country's largest producer of oil and gas, produced 10.25 million tonnes, 3.97% less than a year earlier. Increase in water cut in some fields, pipeline issues and other technical problems contributed to production decline at ONGC, as per the oil ministry's monthly report on oil production.Oil India's output contracted 4.24% from a year earlier to 1.61 million tonnes.Production from fields operated by private players contracted at a much faster clip, with output falling 10.74% to 4.5 million tonnes. Vedanta's Mangla, Bhagyam and Aishwarya fields in Rajasthan underperformed due to several operational issues.Natural gas output was 16 billion cubic meters, 1.5% less than in the first half of last year.ONGC's gas output fell 0.45% to 12.07 billion cubic meters due to general decline in output from ageing fields, a fire incident at Uran plant in September, and less offtake by some clients. Gas production from fields operated by private players contracted 11.22% to 2.54 billion cubic meter.

Nifty finding multiple supports at 11,850, may head to lifetime high

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By Chandan TapariaNifty opened negative and drifted towards the 11,850 mark in the first half of Wednesday's session. However, it saw a sharp recovery from lower levels and extended the gains towards the psychologically important 12,000 mark.The index has been finding multiple supports near the 11,850 mark for last five sessions and as long as it holds the same, it has the potential to even head towards the lifetime high of 12,103 mark.It formed a bullish candle on the daily chart, as every dip got bought into and support levels shifted higher gradually. Nifty has been respecting the rising support trend line and it has to hold above 11,850 level to witness an up-move towards 12,000 and then 12,103 levels, while on the downside, major support is seen at 11,780 level.On the monthly options front, maximum Put open interest was at 11,600 followed by 11,500 level, while maximum Call open interest was at 12,000 followed by 11,800 levels. There was Put writing seen at 11,700 and 12,000 levels and Call writing was seen at 12,400 followed by 12,500 levels. The options data suggested a broader trading range between 11,800 and 12,200 levels.India VIX moved down 0.91 per cent to 15.77 level.Bank Nifty managed to hold the 30,000 level and witnessed a sharp recovery toward the 30,700 mark. It has been respecting the rising support trend line on the daily scale while supports remained intact to drive the next leg of rally. It formed a Bullish Engulfing kind of pattern on the daily scale, with multiple supports at 30,000 level. Now it has to hold above 30,250 level to witness an up-move towards 30,800 and then 31,250 levels, while on the downside major supports were seen at 30,000 level.Nifty futures closed positive at 12,004 level, with a gain of 0.40 per cent. Long buildup was seen in SRF, Hindalco, Colgate-Palmolive, DLF and Hexaware while shorts were seen in Titan, Chola Finance, Apollo Tyre, Bharti Infratel and CESC.(Chandan Taparia is Technical & Derivative Analyst at MOFSL. Investors are advised to consult financial advisers before taking an investment calls based on these observations)

Mahantesh Sabarad: Don't wait to buy quality stocks on dips

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The momentum is coming because the worst is getting over for many of the companies and especially the good quality companies, says Mahantesh Sabarad, Head, Retail Research, SBICAP Securities. Excerpts from an interview with ETNOW. Prices have come back, but the economy is not yet back. Are markets running ahead of themselves?What we are witnessing is the phenomena of what is classically termed as the worst is over as far as the markets are concerned. That means, even if the economy is painting a little bleak picture or even if some of the corporate earnings are missing their estimates (volume numbers of automobiles are still de-growing and cement is still not so good), the markets are saying that a suitable base has been formed in terms of earnings and in terms of profitability. The market starts moving up, saying the worst is over. That is what we are classically witnessing right now. We are reaching back to the all- time highs. In fact, Sensex has already crossed the all-time high of the recent months. We believe that the worst is over for most of the companies. There will be good growth ahead for a lot of them. Have you had a chance to look at Cipla earnings? The stock has cooled off but it was a decent set of numbers. We have been looking at a whole host of pharma names on the back of earnings today.I would not look at the Cipla numbers but some of the pharma companies have reported strong numbers and this is coming on the back of the fact that we have the corporate rate reduction flowing in at the net profit level, not necessarily the PBT level. But for many of the pharma companies, the domestic environment has been relatively stronger and somewhere the US market is depending on which therapeuticals side you are in. It is a mixed bag. Some are doing well, some are not, but the common theme is that most of the pharma companies have enjoyed the tax benefit in full and that is visible in the way, some of the stocks have moved up. Eicher is up 30%, Maruti is up 35%, State Bank of India has moved from Rs 255 to Rs 310, ICICI Bank is sitting at an all time high. If a client now asks you whether you should chase the momentum now or wait for a meaningful 10-15% decline, what will you advise?No, I do not think we can look at a meaningful decline of 10-15%. Those days are now gone for the market in the near term. If at all, you have to play the momentum game. You cannot miss out the market by sitting on cash. The momentum is coming because the worst is getting over for many of the companies and especially the good quality companies. If a Maruti for example is showing a 25% volume decline in the first half of the month and is guiding for the year to be at a negative growth rate, it tells you that this year is gone is factored in. But the next year is going to be even better and many of these companies have a built-in hope because from an operational standpoint, they have not missed margins. Their margins are not low. In fact, if at all, they are guiding for better margins ahead. Financial services companies are guiding for lower slippages, lower NPAs and so on. The guidance that is coming out from some of the large companies is very strong and one has to reiterate that it is a worst is over kind of a market. What was your takeaway from the Infy conference call?It was very clear that there is no proof behind the allegations that have come from the whistleblower. That was one event which caused the stock to tank and people had the previous episode in mind when the stock tanked when you had similar allegations coming out at the time of the Panaya buy. Then, at least a certain proof was submitted, there was a whole lot of investigation and after the churn that Infosys saw in terms of corporate governance, a lot of senior management was changed. Nandan Nilekani came back again. The track record of Infosys since those days has been pretty strong, both from its business point of view and even from a corporate governance standpoint I would say because this whistleblower complaint was really speaking of a meaningless kind of complaint backed by no proof. The entire loss that Infosys suffered in terms of the stock price fall will be recovered. That recovery has not happened still, even at the current price of Rs 710 or 712. We expect Infosys to recover quite strongly.What is one of your high-risk-high-return ideas where there could be a 10% downside or maybe a 15% volatility, but your analysis is indicating that 30-40% even 50% gains are coming in the next 12 to 18 months?There is clearly one sector where we see something which you did mention is likely to happen and it is in the auto ancillary space. A lot of auto ancillary names have fallen quite sharply. The distinction we are making is that some of the auto ancillaries are global in nature and some domestic. One should look at only those which are domestic kind of auto ancillary companies that have sharply fallen down. With a large volatility and perhaps a small downside, they have the promise of delivering very good returns as we move forward. If we take a one-year or a two- year view. Many of these auto ancillaries are suppliers to the large OEMs including Maruti. You can pick names within that. We already have coverage on a small auto ancillaries like PPAP Industries which can likely do well. So this is one space. We have some other stocks where one can potentially get great numbers and this is the housing space. More houses built means more cement, more cement possibly means that you will require more coal. Right now, they are dependent on domestic coal but you will have Coal India upping its production after a phase of de-growth. When coal production goes up, there is the requirement of a certain kind of explosives. We recently met a company called Solar Industries which make explosives used by the mining companies. So, these are companies which will have solid volume growth. We are looking at companies which can have solid volume growth delivery in the next one or two years, because of a low base effect. With operating leverage coming in and margins improving, probably these companies can deliver great returns in the years ahead.

Infosys to hire more freshers, targets $150 million in cost savings

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BENGALURU: Infosys is looking to cut costs by $100-$150 million this financial year, as it hires freshers to reduce employee costs and rejigs roles for middle and senior management, a top company executive said at an analyst meet.The company's margins have dropped significantly under CEO Salil Parekh, as it boosted investments to drive growth.The company is, however, now looking at greater cost savings, since a major chunk of its investments has been completed."There are 21 tracks we are looking at for cost-optimisation. We are targeting $100-$150 million in cost savings as the year goes on," chief financial officer Nilanjan Roy said on Wednesday.Roy said the firm was focused on improving the bottom-end of its pyramid, which had become more barrel-shaped, by hiring freshers.It was also looking to recreate the pyramid onsite through fresher hiring, he added.Infosys has hired 1,700 freshers in the US and Europe in the past year.Roy said the company would move to an asset-lite model for new infrastructure.Analysts said the cost optimisation plan was a routine move aimed at reducing wage costs by hiring more freshers. "Cost optimisation happens every year through one or other measure. It is not that such a saving is new. They have used wage rationalisation by hiring freshers in the past. But it is good that the company has quantified it this time and that gives a little bit of comfort in profitability," said a senior IT sector analyst with a brokerage firm.The company, however, said it had no plans for layoffs. "There is no planned layoff. We have performance reviews and people who are not performing are asked to leave. This is normal, there is no targeted layoff," chief operating officer UB Pravin Rao said.On October 11, Rao told analysts that the attrition in the second quarter for tech services — both voluntary and involuntary — was about 19.4%. "If you look at voluntary alone it is about 18%," he said.Voluntary attrition is when people leave the firm for other opportunities, while involuntary is forced.

Infosys to hire more freshers, targets $150 million in cost savings

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BENGALURU: Infosys is looking to cut costs by $100-$150 million this financial year, as it hires freshers to reduce employee costs and rejigs roles for middle and senior management, a top company executive said at an analyst meet.The company's margins have dropped significantly under CEO Salil Parekh, as it boosted investments to drive growth.The company is, however, now looking at greater cost savings, since a major chunk of its investments has been completed."There are 21 tracks we are looking at for cost-optimisation. We are targeting $100-$150 million in cost savings as the year goes on," chief financial officer Nilanjan Roy said on Wednesday.Roy said the firm was focused on improving the bottom-end of its pyramid, which had become more barrel-shaped, by hiring freshers.It was also looking to recreate the pyramid onsite through fresher hiring, he added.Infosys has hired 1,700 freshers in the US and Europe in the past year.Roy said the company would move to an asset-lite model for new infrastructure.Analysts said the cost optimisation plan was a routine move aimed at reducing wage costs by hiring more freshers. "Cost optimisation happens every year through one or other measure. It is not that such a saving is new. They have used wage rationalisation by hiring freshers in the past. But it is good that the company has quantified it this time and that gives a little bit of comfort in profitability," said a senior IT sector analyst with a brokerage firm.The company, however, said it had no plans for layoffs. "There is no planned layoff. We have performance reviews and people who are not performing are asked to leave. This is normal, there is no targeted layoff," chief operating officer UB Pravin Rao said.On October 11, Rao told analysts that the attrition in the second quarter for tech services — both voluntary and involuntary — was about 19.4%. "If you look at voluntary alone it is about 18%," he said.Voluntary attrition is when people leave the firm for other opportunities, while involuntary is forced.

          

Debating Divestment in the Faculty of Arts and Sciences   

Cache   

A formal, docketed discussion as proponents of divestment intensify their campaign 

Photograph of University Hall, where the Faculty of Arts and Sciences meets

University Hall, where the Faculty of Arts and Sciences is based and holds faculty meetings
Photograph by Kris Snibbe/Harvard Public Affairs and Communications


University Hall, where the Faculty of Arts and Sciences is based and holds faculty meetings
Photograph by Kris Snibbe/Harvard Public Affairs and Communications

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Harvard Faculty of Arts and Sciences Divestment Debate
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This afternoon, at its regularly scheduled faculty meeting—which happened to fall on the day after President Donald Trump moved formally to withdraw the United States from the Paris Agreement on climate change—the Faculty of Arts and Sciences (FAS) formally docketed “a discussion of whether Harvard’s appropriate response to the global climate and ecological crisis should include financial divestment from fossil fuel interests.” The public discussion with President Lawrence S. Bacow, long sought by faculty advocates of divesting endowment assets invested in fossil-fuel production, follows an October airing of concerns about climate change (read a detailed account here)—which was on the agenda as a more general “discussion of the global climate and ecological crisis and Harvard’s appropriate response to that crisis.” (Bacow, who normally presides at FAS meetings, was absent that day, for Rosh Hashanah.)

The forum took place at a time of heightened activity by campus and community divestment advocates, including alumni pressuring the University to reveal its fossil-energy investments, if any, and to dispose of them—and an effort, announced this past Sunday, to put forth a slate of candidates for the Board of Overseers in the spring 2020 election who will advocate both divestment and changes in Harvard governance (see a separate report on these matters, to be published on November 6).

The Faculty’s Forum

Today’s discussion did not introduce a formal legislative proposal—which would, under FAS rules, have to lay over for a vote at a subsequent meeting. Instead, it provided the occasion for faculty divestment advocates to make their case, in the open, to Bacow and to former Harvard Corporation member Jessica Tuchman Mathews ’67, who was president of the Carnegie Endowment for International Peace, and was a founder of the World Resources Institute—an environmental research organization. (During Tuchman’s service on the senior governing board, from 2013 to last year, the Corporation and then-Harvard president Drew Gilpin Faust articulated their opposition to divestment. Bacow was a Corporation member then, too. Senior Fellow William F. Lee ’72, who has spoken for the Corporation in opposition to divestment, was apparently unable to attend today’s session.)

The three docketed faculty speakers, respectively, addressed the role of individual professors and the larger institution in taking on climate change; the history of Harvard’s decisions concerning its investments and public-policy questions; and the operations of the endowment itself and the financial implications of divestment.

They were followed by speakers from the floor, some of whom made further arguments for divestment, and some who forcefully objected to divestment—instead focusing on the faculty’s role in teaching and research, and likely (unintended) political perceptions of its advocacy of divestment. President Bacow then spoke about points of agreement, even though he disagreed with divestment as an action or as a “litmus test” for any person or institution.

Where speakers provided their comments in advance or after delivery, they are reproduced below as prepared for delivery. Where other faculty members spoke from the floor, FAS rules require that they consent to being associated by name with quotations from or paraphrases of their remarks within the confines of faculty meetings; that consent has been sought, and when and if it is granted, the text will be updated to associate the speakers with their remarks. [Updated November 6 at 3:40 P.M. All the speakers are now identified below,with their consent.]

The Docketed Speakers

Individual and institutional responsibility: statement of Charlie Conroy, professor of astronomy and director of graduate studies.

I am an astronomer. I spend most of my time collecting data and running computer models to understand the origin of our Galaxy. But today I speak to you as a deeply concerned member of our community.

I have grown up with the reality of what we once called global warming: rising temperatures, melting glaciers, species extinctions, destabilizing weather patterns. The consequences for humans have also been in plain view: increased occurrence of famine, droughts, and diseases, and, on the horizon, a refugee crisis unparalleled in human history. And yet, like many people I became numb to the increasingly urgent calls for action. I was busy and preoccupied with issues closer to home: raising a family, conducting research, securing tenure. I focused on small acts—recycling, commuting with public transit, eating locally grown food. What more could I do? I am after all only one person.

That thinking was wrong.

As members of the Harvard faculty we have a powerful platform to effect change. This means that we also have a responsibility to use that power in extraordinary times. And these are extraordinary times.  

As I speak California is burning. UC Santa Cruz, where I used to teach, has been subjected to forced blackouts resulting in canceled classes. Fire-related evacuations are now a routine part of life for many communities. This is the new normal. In recognition of the climate crisis, the University of California system is divesting its $13-billion endowment and its $70-billion pension fund from fossil fuels. 

The ice sheets on West Antarctica and Greenland together hold enough water to raise global sea level by 13 meters. Destabilization of these ice sheets could result in sea level rise of 2 meters by the end of this century and 6 meters by the end of the following century. With 6 meters of sea-level rise significant portions of the Harvard campus will be underwater. As will all of MIT, Fenway, and the South End. Globally the situation will be much worse: 600 million people live at an elevation within 10 meters of sea level.

We in rich countries may be able to mitigate the worst effects of climate change, though the costs may be staggering. Maybe. Maybe not. But island nations, poor countries in South Asia and elsewhere, will not have the option of buying their way out of disaster. 

The predicted short-term consequences of climate change from major organizations such as the IPCC [Intergovernmental Panel on Climate Change] tend to be conservative. We see evidence of this every year as new reports indicate the pace of change is accelerating faster than predicted. The global climate is a complex system with multiple non-linear feedback cycles that are poorly understood. The near future could easily turn out to be much more extreme than current models predict—during the Pliocene Epoch the levels of CO2 in the atmosphere were comparable to today’s levels. During that time the Earth was 3° C warmer and global sea levels were 10-20 meters higher.

There is currently five times more fossil fuel in proven reserves than can be burnt if we are to stay within the 2°C warming scenario advocated by the UN Paris Agreement. Avoiding catastrophic changes to our world will therefore require leaving huge reserves of fossil fuel in the ground. And yet, the fossil-fuel industry continues to devote vast sums of money and resources to identifying new reserves. Despite its profession of support for the Paris Agreement, ExxonMobil has not changed its position since this agreement was signed. In 2015 ExxonMobil projected that by 2040 fossil fuels would supply over 75 percent of the world’s energy needs. In its latest projections from this year, that number has actually risen to 80 percent.   

It is simply unrealistic to expect the fossil-fuel industry to willingly walk away from so much money in the ground. As our colleague Naomi Oreskes has demonstrated through extensive scholarship [read her October statement here], the fossil-fuel industry has for decades engaged in deliberate doubt-mongering on the topic of climate change. This includes explicit undermining of public policy and indirect undermining of attempts to move to alternative energies. In light of these facts, the idea of working in collaboration with the fossil-fuel industry is dangerously naïve and counterproductive.

These extraordinary times require big ideas and bold leadership.  

The scale of the problem is so enormous that many ideas must be pursued simultaneously. We should commit to a carbon-free campus on a rapid timescale. We should incentivize reduced air travel and the use of a robust public transit system. We should encourage significant new academic and research ventures. We should engage with our community beyond Harvard. And we should divest from the fossil-fuel industry.

There are multiple reasons to support divestment. There are arguments from history and from economics that my colleagues will discuss. My perspective is this: the degree of action and change required to avoid the worst-case scenarios is far larger than anything we could hope to accomplish on our own, even as teachers and researchers. Every one of us could commit 100 percent of our time and resources to combating climate change, but that would fall far short of what is needed. This is where divestment comes in. It is an opportunity, perhaps our best opportunity, to catalyze action and change far beyond these walls. 

Imagine I came here to announce that a civilization-destroying asteroid is heading toward Earth. Would we wait to act until the probability of disaster is 100 percent? No. Would we wait to act until the impact was days or weeks away? No. Climate change is that asteroid. Its impact will be felt not instantaneously but over years, decades, and centuries. As scientists we have an obligation not only to identify and study the asteroid, but to act upon the clear and present danger it represents, and to join our colleagues in other disciplines in urging responsible action.

Harvard is in a position to lead on this issue. We have a responsibility to do so. Now is the time to act.

The Harvard historical perspective: statement of Joyce E. Chaplin, Phillips professor of early American history. (Footnotes removed from this version.)

On the question of divestment from fossil-fuel interests. Harvard’s official position has been that the endowment should not be used to make political points or influence social policy, that the University’s engagement with leaders in the fossil-fuel industry would instead be more effective. In my remarks today, I will examine Harvard’s past in order to question this position, showing that Harvard has a long history of using its reputation and resources to make points about politics and society, that there are precedents for using Harvard’s endowment to state those ethical claims, and that reluctance to do so has had the unfortunate effect of making Harvard seem indifferent to human-rights violations. 

Harvard has been raising its voice in politics and public life at least since April 3rd, 1776, when it granted an honorary degree of Doctor of Laws to General George Washington, commander of the Continental Army. Harvard thus endorsed the idea of American independence three months before delegates from Massachusetts would sign the Declaration of Independence. Harvard would gain its own independence in 1865, when selection of the Overseers would begin to be done by alumni rather than the Commonwealth of Massachusetts. From this point on, Harvard’s contributions to public life would increasingly engage the worlds beyond Massachusetts. This was notably the case for the service Harvard President James B. Conant performed for the Manhattan Project during World War II. Conant became director of the National Defense Research Committee in 1941; he estimated that, during the war, he racked up half a million miles on the train between Boston and Washington, D.C. Conant witnessed the July 16th, 1945 successful test of the first atomic bomb, “Trinity,” at Almogordo, New Mexico, reporting that “the whole sky [was] suddenly full of white light[,] like the end of the world.” 

After the war, Harvard faced new questions about its financial investments, and this is when we first see a stated policy of conservatism about the endowment—during the Civil Rights movement. In May 1964, at the start of the Mississippi Summer Project, Harvard and Radcliffe students identified Harvard as the largest shareholder in Middle South Utilities. This company owned Mississippi Power and Light, whose leadership overlapped with that of the Jackson Citizens’ Council, a white supremacist group. Students did not ask for divestment; rather, they requested that the Corporation withdraw 10 percent of its $10-million investment in Mississippi Power and Light to use as bail for students working for civil rights in Mississippi. The Corporation refused. A conflict of interest was apparent. Middle South’s second largest stockholder was Massachusetts Investor Trust; a member of the Harvard Board of Overseers, Thomas D. Cabot, served on the trust’s advisory board. In addition, Harvard’s treasurer, Paul C. Cabot, was chairman of Middle South’s third largest stockholder, State Street Investment Corporation. When Cabot retired, he was succeeded by Harvard’s deputy treasurer, George F. Bennett, also of State Street Investment. In the wake of the controversy over Harvard’s investment in Middle South Utilities, Bennett responded, “We don’t try to accomplish social purposes with our capital; we just try to put it where it will bring us the best return.”

That preference was restated several times during Derek Bok’s twenty-year term as president of Harvard. One year into Bok’s tenure, two student groups, in February 1972, demanded that the Corporation sell its 682,000 shares of stock in Gulf Oil, valued around $20 million. Gulf Oil was extracting oil from the coastline of Angola, a militarily-occupied colony of Portugal, which until 1974 was itself ruled by a dictatorship, one determined to suppress Angolan freedom fighters. But the Harvard Corporation declined either to sell its Gulf Oil stock or require the company to issue a report on its business strategies in Angola. 

This too was the response when students urged Harvard to disassociate itself from the apartheid regime in South Africa. The 1980s anti-apartheid movement focused on government sanctions of the country and non-governmental divestment from commercial and financial interests in South Africa. Harvard’s disinclination to divest was, in this instance, technically political, because it could have been read as criticism of U.S. leadership—President Ronald Reagan opposed sanctions. The Reaganite alternative was “constructive engagement” with the apartheid regime and with South African businesses, to persuade government and business leaders to abandon racist policies; Harvard likewise advocated constructive engagement. Of course, this position of not divesting was no less political than making any decision to divest. Only when it became clear, by 1985, that Reagan’s policy against sanctions was losing support did Harvard begin to divest from its financial connections to South Africa. By 1988, formal U.S. policy no longer endorsed unilateral engagement with the apartheid regime; it was considered irrelevant, if not bankrupt, as a political strategy. The 2009 comprehensive history of The Rise and Fall of Apartheid, peer-reviewed, published by a university press, does not even list “constructive engagement” or its Reagan-era architect in the book’s index. 

The position that the Harvard endowment should not be used to address social problems has, in any case, never been consistent. In 1970, a Harvard Committee on University Relations with Corporate Enterprise issued a statement that ethics should influence investment, specifically naming alcohol and tobacco as questionable sources of profit. During the controversy over Angola, President Bok set up two deliberative committees: a Harvard Corporation Committee on Shareholder Responsibility (CCSR) and an Advisory Committee on Shareholder Responsibility (ACSR) composed of alumni, faculty, and students. Perhaps unexpectedly, the CCSR proved to be somewhat critical of anti-divestment and the ACSR in 1984 voted for total divestment. 

And in the case of one industry, divestment became Harvard’s policy. In 1990, Harvard sold off its last (direct) stock in tobacco companies. “This decision was motivated by the University's belief that in this case it would be unable, as a continuing shareholder, to influence the policy of the companies in regard to the marketing practices mentioned above, and by the desire not to be associated as a shareholder with companies engaged in significant sales of products that create a substantial and unjustified risk of harm to human health.” 

If the official position of the President and Fellows of Harvard College is still that Harvard’s endowment should not be used for political or social purposes, that engagement with the fossil-fuel industries is instead preferable, I think we must ask: why? Why should a position tarnished through association with racism be acceptable as a response to the climate crisis, arguably the greatest threat to human rights today? Why should “engagement,” highly questionable during the 1980s argument over apartheid, now be regarded as an effective way to handle an industry we know to be perfidious? The World Health Organization and Harvard physicians warn that the climate crisis is already generating threats to global public health, threats that will eventually be enormous—why are these of less concern than those posed by big tobacco? In 1945, Harvard’s president saw his work on atomic weapons culminate in a light so bright it seemed to signify the end of the world. In 2019, science has shone enough light on climate change for all of us to see that it might end the world as we know it. This danger demands that we end our complicity with the industries that deny their responsibility in creating our current state of emergency.

 •Financial and investment perspective: statement of Stephen A. Marglin, Barker professor of economics. (References removed from this version.)

I must first report a failure. I do not have the information I need to speak in any detail about the Harvard endowment. Not for lack of trying. After some delay, which I mistakenly, perhaps naively, took as a positive sign, I was directed to the annual financial report and SEC filings. Practically useless.  

Absent this information, what is there to say? Turns out quite a lot. I used to caution against thinking that divestment would have a direct effect on the fossil-fuel industry by denying capital for expansion. No, the shares in ExxonMobil that Harvard sold would be purchased by some other investor. No impact on ExxonMobil.  

I’m no longer sure that it’s a fallacy to argue that our endowment directly provides capital to the fossil-fuel industry. One of the things I did learn from this year’s financial report is that over 50 percent of the endowment is invested in hedge funds and private equity. We simply do not know how much capital Harvard is providing for the expansion of the fossil-fuel industry through these vehicles. We do know, thanks to Bill McKibben [’82, a prominent climate-change and divestment activist], that providing finance for the industry is a thriving business, even as it puts the planet in jeopardy: one bank, Chase, has reportedly committed a hundred and ninety-six billion dollars in financing for the fossil-fuel industry in the three years after the Paris Agreement was signed.

How much has Harvard committed? The Administration won’t tell us.

Not that the information about current holdings and past returns is dispositive. But knowing the extent of our commitment to fossil-fuel investment would at least provide context for an intelligent discussion.

There are a small number of studies on the financial costs of divesting. Not surprisingly—this being economics after all—the conclusions differ. Two studies argue that divestment would have major effects on the financial performance of investment funds, one suggesting that the Harvard endowment in particular would be 16 percent smaller after 50 years if we divested our holdings in fossil-fuels.

These studies suffer from two defects. First, the argument rests on the superior performance of energy stocks during one particular decade. Between 2003 and 2012, ExxonMobil stock rose at double the rate of the stock-market average, from $35 per share in the first week of 2003 to $89 in the last week of 2012. The second defect—make of it what you will—was that both these studies were financed, as the authors acknowledge, by the Independent Petroleum Association of America.

Other studies, I read four, find no adverse effects of divestment. The risk-adjusted performance of portfolios with and without fossil-fuel stocks are virtually identical over long periods.

But all these studies look at publicly traded stocks, and only one-quarter of our endowment is invested this way. In any case, one thing we know for sure: the past is not going to be a very good guide to the future. Unless you’re Donald Trump, climate change is real.  

And so, looking ahead into the not-too-distant future, are the financial risks of investing in fossil fuels. The major risk is stranded assets, oil, gas, and coal that must be left in the ground if we are to limit global warming to the 1.5° Celsius target that the Intergovernmental Panel on Climate Change now recommends.    

Not a problem for ExxonMobil. As Professor Conroy pointed out, ExxonMobil has upped the ante: in 2014, it was projecting that over 75 percent of the world’s energy would come from fossil fuels in 2040; in its most recent projections, the 2040 percentage for fossil fuels is 80 percent. No peak oil, no stranded assets. The oil companies, professing allegiance to the Paris Agreement and even to the IPCC’s revised targets, are like St. Augustine: give us renewable energy, only not yet. 

Stranded assets are not the only problem. ExxonMobil is in court right now defending against charges brought by the Attorney General of New York that “the company lied to shareholders and to the public about the costs and consequences of climate change.” Litigation is an increasing worry and now appears among the risk factors major oil companies acknowledge. 

A third risk, believe it or not, is the divestment movement itself.  Listen to Shell Oil:

“Additionally, some groups are pressuring certain investors to divest their investments in fossil-fuel companies. If this were to continue, it could have a material adverse effect on the price of our securities and our ability to access equity capital markets.”

Whom are we to believe? Well, institutions with assets totaling $11.5 trillion have divested at least partially. Yes, their motives are complicated, but financial motives are playing an increasing role. The University of California is divesting fossil-fuel investments from both its $13-billion endowment and its $70-billion pension fund. The Chair of the Board of Regents investment committee and UC’s chief investment officer could not be clearer:

“We believe hanging on to fossil fuel assets is a financial risk….

“We [are placing] our bets that clean energy will fuel the world’s future. That means we believe there is money to be made. We have chosen to invest for a better planet, and reap the financial rewards for UC.”

Can a clever (or lucky) investor make money for the University even if the fossil-fuel industry is going down the tubes? You bet. If you’d bought ExxonMobil at the end of 2018 and sold it in April of this year you would have made 20 percent on your investment. Can a clever investor consistently make money out of special situations? That’s more doubtful. And these clever investors don’t come cheap. Perhaps this is why the University of California has decided to go down a fossil-fuel-free path.

Our endowment managers already screen potential investments in terms of environmental effects, social effects, and corporate governance (ESG for short). The website of the Harvard Management Company, the guardians of our endowment, even recognizes the particular relevance of these factors in assessing the impact of climate change (https://God.blue/splash.php?url=aEO7OhcVAd0T8bNHh_SLASH_8Wp9LXoIOi6XJ669YrxhaHPRRPdjgoDtCxbxvpqmgubAGhYtxJsVLA2vQ99PyWiq0FcR6Da0HNiPv7PKQQL_SLASH_tfRXysZ83hxbJHvGlYtVoCtzOfIZWevbO8D438_PLUS_mb2_PLUS_rgMpw_EQUALS__EQUALS_). HMC’s senior vice president for sustainability, Michael Cappucci, has argued convincingly that ESG is not for the fainthearted. The worst results come from a half-way commitment. 

Here is a simple screening device that will strengthen our commitment to ESG and bring HMC into line with what hopefully, sooner rather than later, will become standard practice for institutions like ours: Is this investment contributing to the solution of global climate change? Extra points. Or is it part of the problem? No way. Fossil fuels are rightly an endangered species. No prudent investor would choose to be the last hold-out.

In the end financial considerations will take us only so far. One consequence of the Jeffrey Epstein scandal is that both President Bacow and Provost Garber have expressed the need to rethink our policy about donations. Epstein’s crime was to sexually abuse teen-aged girls. He has been credibly accused of rape. I expect we will end up with a policy of screening donations on the basis of the character of the donor. President Bacow, ExxonMobil has been credibly accused of raping the planet and lying about it to boot. Are we really any less culpable accepting the poisoned fruit of fossil-fuel investments than accepting the tainted money of the ilk of Jeffrey Epstein?

Comments from the Floor

Following these docketed statements, other speakers joined the discussion.

[Updated November 5, 2019, 8:00 p.m., to identify the speaker.] Hooper professor of geology Daniel P. Schrag—who is also professor of environmental science and engineering and  director of the Harvard University Center for the Environment—said he was “very impressed and heartened” by the discussions in October and today, given the importance of climate change—the greatest challenge human society has ever faced—and the difficulties it presents as a “global collective-action problem” of the sort humans find it hard to solve, and as a problem on “really long time scales,” extending thousands and even tens of thousands of years. Very long time scales also characterize the necessary changes in the energy system, given the enormous capital investment and infrastructure involved. 

In that light, he continued, despite envisioning a huge role for Harvard to play, he opposed divestment. Even though climate change poses moral issues, there are real differences surrounding divesting, and the problem does not fall solely on the endowment managers. Rather, Harvard and the FAS have to contribute via “the education we give our students and the research we do in every field.” Symbolic actions can have a value, but they are problematic when they supercede actions needed to effect change. He recalled proposing a major initiative on climate and energy at the outset of The Harvard Campaign; despite decanal and faculty enthusiasm, President Faust declined to pursue it, and instead initiated a grant-making presidential climate-solutions fund: worthwhile, but, funded at $8 million, an “embarrassing” level of commitment relative to the problem. Given the recent $750-million gift to Caltech for climate research, a larger, broader institution like Harvard ought to aim even higher. It was laudable for Harvard to stress its internal greenhouse-gas-reduction goals, but again, those efforts are symbolic, when “by far the biggest way we will impact the future of our climate” is through research and teaching.

He applauded the passion and engagement of student advocates of divestment. But he still felt the “obligation to do our central task first,” in the classroom and laboratories. He hoped that faculty members from across the University, and in every FAS discipline, would engage in efforts to conduct research and teaching on climate change on a major scale, and that deans and the president and provost would support that.

•An economist’s political perspective on the perils of divestment: statement of James H. Stock, Burbank professor of political economy.

In 2013-14, I served as a Member of the Council of Economic Advisors under President Obama. My portfolio included energy, environment, and climate. I was the chief economist in the White House working on the Clean Power Plan, our regulation for reducing CO2 emissions from the power sector. I also led the process that led to the moratorium on new leases under the Federal coal program. Although I had worked on climate issues as a secondary interest prior to my time in D.C., since returning to Harvard, climate economics and policy have been the main focus of my research and public engagement. Disclosure: I take no financial support from the fossil-fuel industry.

Putting aside direct financial market effects, divesting sends a message. My worry is that the message, intended or not, is one of moral superiority. We would send that message not just to the oil executives who spent $30 million to defeat a carbon tax in Washington state, but to the oil roughneck in west Texas, the refinery worker in Louisiana, the long-haul trucker, and the coal miner in Gillette, Wyoming. Those workers are not morally flawed by virtue of their working in the fossil-fuel industry. But how could they interpret Harvard’s divestment as other than yet another criticism by liberal elites of the honest way of life they adopted to earn a living and support their families? 

This summer, I testified in Congress on the Federal Coal program. The hearing occurred a week after a coal company, Blackjewel, unexpectedly declared bankruptcy and closed two mines near Gillette. Wyoming’s representative, Liz Cheney, who is on the committee, lit in to me. I quote: 

“Our communities and our families are feeling and facing real pain. We have had 700 people laid off, and the idea that that pain would be used by witnesses in this committee to somehow suggest that we ought to pursue an anti-coal endeavor to me is really offensive.”

She continued in this vein. Representative Cheney’s comments built on a narrative of climate action being something coastal elites do at the expense of everyday Americans. Harvard’s divestment would play into that narrative.

Decarbonizing the economy is a problem we must solve. But if the solution is to be durable, we need to solve it together as a nation. This issue is too important to be driving wedges.

What should Harvard do? In brief: Invest, not divest. Invest in teaching and research in climate technology and policy. These are things we do well but insufficiently, and here, Harvard can do much more. 

•A counter-divestment argument, on FAS’s academic mission: statement of Harry R. Lewis, Gordon McKay professor of computer science

I am Harry Lewis, Gordon McKay professor of computer science, and I should like to speak against the push for divestment from fossil fuels. 

Let me begin by agreeing with the colleagues who have docketed this discussion that climate change is the great existential threat of our times. The question is what Harvard should do about it. Of course, Harvard can do more than one thing, but as we are an institution devoted to teaching and research, those are the weapons we are best positioned to marshal in the fight. And teaching in particular is the thing that this Faculty, acting as a body, can decide to do. Our undergraduates disproportionately go on to influence the future of the world in industry, the professions, and public service. We could shape our curriculum so that Harvard undergraduates will leave here understanding the nature of the threat and their agency to do something about it. I know that many individual faculty members have, to their credit, stressed environmental issues in their own teaching. But we are now being asked to act as a body to pressure the Corporation for divestment, when we have taken no comparable action as a body to better educate our students. 

For this Faculty as a body to alter our education requires no petition to the Corporation or permission from any dean or president. Someone could put a curricular motion on the table and we could vote on it. If we wanted to make it happen, it would happen, whether the Corporation liked it or not. We could make a requirement, or we could fashion a more creative educational strategy. But mainly I wish that my colleagues had asked us to make a commitment as a body to do something that is actually within our competence and power to do, before asking us to tell the Corporation how it should run the endowment. Rather than piling up educational requirements, we might even decide that learning about climate change is more important than the least important of the many other things we already expect of our students.

As for divestment now. I took some pains a moment ago to name the donor of my chair, to make the point that Harvard can do good works with tainted money. If you do not know the tale of Gordon McKay, I invite you to read the Vita I wrote about him for Harvard Magazine a few years ago. He would be a pariah today, but I don’t think that has diminished the good that has come from his endowment. 

Now I have no opinion about whether Harvard should or should not be invested in anything. The job of the endowment managers is to preserve and increase Harvard’s endowment, so that we faculty can do our good works and our students can reap the benefit. Our job is advancing society through teaching and learning. 

Universities are the kidneys of society. The main thing you want from kidneys is to produce pure output, whether or not the inflow is dirty. It is odd that we regularly try to seize the moral high ground by discussing divestment from something or other that is considered impure, but we rarely talk about whether our own work advances society or not. It is no breach of academic freedom to seek answers to that question. All it requires is a willingness to be as critical of ourselves as we are of the Corporation and its investments.

At the last meeting Professor [Edward] Hall correctly described fossil-fuel divestment as a political statement, one that would not exert financial leverage on the fossil-fuel industry. Indeed, selling supply-side stocks to someone else and leaving all the demand-side stocks in our portfolio—airlines, trucking companies, Amazon, the meat industry—seems to me pointlessly self-gratifying. Really, divestment votes are a waste of time. The country’s two largest pension funds, which are many times the size of the Harvard endowment, divested from gun stocks after the Sandy Hook massacre, but there’s no evidence that did anything to solve our horrible gun problem. But they resisted pressure to divest from stores selling guns, and because they had a seat at the table as shareholders, they helped get some of those companies to change their practices.

One of the things about political statements is that they tend to be welcomed by people who don’t need convincing and to do little to persuade skeptics. They are divisive, when academia more than ever needs friends and allies today. Universities make too many political statements already, and such empty declarations increase skepticism about whether we are really in the business of truth as we claim to be or are now just one more politicized American institution.

What we as a Faculty should instead do to impact the climate, it seems to me, is to use as much money as Harvard can make available to us to fight the needed scientific, technical, economic, civic, and social fights. If some of the money we use to do that comes from the fossil-fuel industries themselves, the joke will be on them.  We should accept the profits and use them to help save the planet in the ways we are professionally competent—and powerfully positioned—to do.

[Updated November 6 at 3:40 p.m., to identify the speaker.] Steven C. Wofsy, Rotch professor of atmospheric and environmental science,  rose to say that although he had until recently opposed divestment, the  gutting of the Clean Power Plan and the CAFE standards [for automobile and truck energy efficiency], at the behest of the fossil-fuel industry, had led him to change his mind. Making money from fossil-fuel investments, he now thought, was equivalent to profiting from tobacco.

•Climate change and core values of diversity and inclusion: statement of Scott V. Edwards, professor of organismic and evolutionary biology (OEB). [Editor’s note: Professor Edwards is a member of the Board of Directors of Harvard Magazine Inc.]

As an ornithologist, my research and teaching have both involved climate change as a core driver of evolutionary and ecological change. As [Agassiz professor of zoology] Jim Hanken pointed out at our last faculty meeting, zoology classes at Harvard have been, by necessity, intensely focused on the consequences of climate change for various animal groups. For example, for decades ornithologists have quantified the extent to which climate change has altered the timing and geography of migration, often with detrimental effects on the species in question, especially when arrival times in spring are driven out of sync with the emergence of insect and other prey. The effect of climate change on animal populations is a core issue that few classes in OEB can avoid. To the extent that climate change erodes the very populations that we study in our research, our research itself will suffer and become uprooted.

But today I’d like to draw your attention to a different link between climate change and our core values as a faculty. Specifically I’d like to argue for an important link between Harvard’s approach to climate change and our approach to diversity and inclusion. I just returned from the annual meeting of the Society for the Advancement of Chicano and Native American Scientists, or SACNAS, one of whose themes this year was climate change. SACNAS is the largest and most diverse national gathering of students and faculty in STEM [science, technology, engineering, and mathematics] and is a fertile arena for dialogues between indigenous communities of scientists and educators. Climate change has been at the center of discussions at SACNAS for years, and we have heard heartrending stories of environmental degradation from diverse indigenous peoples, naturally the first to experience our rapidly changing environment. This year, the keynote speaker at SACNAS was Hilda Heine, the president of the Marshall Islands, a Pacific island nation whose very future depends on the ability of developed nations like ours to curtail their production of greenhouse gases. In graphic detail, President Heine reminded the audience of 5,000 undergraduates of the horrific deployment of hydrogen bombs and multiple nuclear tests by the U.S. government in the post-World War II years—a typical —I repeat, typical—example of the disregard of the U.S. government for the plight of voices perceived to be weak and marginalized. In our comfort as a developed nation, with no end to technologies and quick fixes that buffer us from the negative consequences of climate change, it’s all too easy for us to forget that many people around the globe are orders of magnitude more sensitive to climate change than we are. As a country, and, I daresay, as a University, we are literally contributing to the genocide of indigenous populations through our unwillingness to address the sources of climate change. I believe that, as a University, a failure to divest from companies grossly contributing to the problem of climate change is tantamount to contributing to this genocide and to ignoring the voices of diverse indigenous populations around the globe. How can we, as a University, claim to hold the values of diversity and inclusion to heart, when our actions disproportionately affect those already marginalized on the global stage?

[Updated November 6, 7:55 a.m., to identify the speaker and provide a fuller account of his remarks; this paragraph replaces the prior summary sentence on those remarks.] Timken University Professor Irwin I. Shapiro rose to observe that, although it may be hopelessly idealistic, he thought Harvard should consider taking the lead to help solve this clearly world problem of climate change through initiating the organizing of the universities of this country, if not of the world, to develop an approach to the scientific, political, economic, etc., means to solve the problem. That coalition then could be used to pressure the governments of the different countries to support this approach, perhaps with modifications.  This approach would likely involve both cooperation and competition of universities, and other entities, in solving specific parts of the overall problem. 

President Bacow Responds

President Bacow said these issues would be revisited at the next faculty meeting, and that the comments aired today would be taken back to the Corporation. In reflecting on the statements made, he said, “I think it’s important for us to focus not on points of disagreement but on points of agreement”—namely, that climate change is real, threatening, and demands action. “Whatever people may believe about divestment,” he continued, “we all need to agree that as a faculty, we need to confront this issue through our scholarship and teaching,” and through the actions of each individual.

He was troubled, he said, that divestment was seen as a “litmus test,” a sign of whether an individual or an institution cared about climate change. “I do,” he emphasized, recalling his scholarly career in environmental science at MIT (read background here). “I don’t need to be persuaded” that climate change is an urgent problem. So, he said, he agreed with many speakers on many things, even though he might disagree on what is the most effective action.

Turning to divestment per se, he recalled Professor Hall’s statement at the October faculty meeting, where he characterized divestment as a “political statement”—as it indeed is, Bacow said. “But we need to be modest about our capacity to improve the world merely by making political statements.” As Professor Stock had noted, this is an elite institution; many people regard it skeptically, even with mistrust, Bacow continued: “We don’t want to make it harder to solve this problem. We want to make it easier.” He noted that he was supporting research within FAS on how to support parts of the United States where people might lose from changes necessary to adapt to climate change (an example of how to proceed productively).

He also said that he would not defend the conduct of all companies, but noted, “We paint with a very broad brush” if we believe that all companies act in the same ways. Some energy companies, he noted, are trying to be carbon-neutral. They deserve constructive engagement, rather than being labeled as morally repugnant.

Harvard did divest from tobacco investments, he noted: tobacco has no social utility, it is dangerous, and owning tobacco securities was repugnant. But at the same time, Harvard banned sale of tobacco on campus, banned consumption on campus, and prohibited research funded by tobacco interests. The “day after” divesting from fossil-fuel enterprises, he said, “We would still have to turn on the lights, we would still have to heat our buildings,” and many faculty members would still get on airplanes. “We cannot wash our hands of this problem.”

Accordingly, it was urgent for an institution like Harvard to research how to lessen demand for fossil fuels, to explore and teach about new clean-energy technologies, sustainability, and the policies that would bring them into effect. Given the scope of the changes required, he said, the role of government and policy in changing behavior on a wide scale was key.

He pointed to a handout on Harvard Management Company’s engagements on sustainable investment, and urged the faculty members to read it. Were the University to divest, he said, those engagements would cease at once—something he thought faculty members ought to inform themselves about.

In any event, he said, the discussion would continue. Apart from, or beyond, divestment, a Corporation decision, he focused on the point Professor Lewis made: “What is it that as a faculty we want to do? What do you want to do,” as teaching faculty members, “with no permission from anyone”—in scholarship, teaching, and the way FAS members conduct their lives, demonstrating the power of their conviction to their students?

With that, he deemed the meeting useful and productive, and thanked all for taking part.

 

Harvard Faculty Divestment Debate
Online Only

          

Student loan debt: Strategies to pay it off faster, smarter   

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Americans have accumulated more than $1 trillion in student loan debts. Are there strategies to pay it off more efficiently?
       

          

Elizabeth Warren’s ‘Medicare For All’ plan just a giant, $52 trillion handout to Big Pharma and the cancer industry   

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Capita enhances control room tech with what3words    

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Capita logoCapita has formed a partnership with London-based geocode start-up what3words in a move that will see the location-finding app integrated into Capita’s control room solutions.

The what3words platform divides the world into 57 trillion three-metre squares and gives each square a unique three-word ‘address’. The intention being that it is easier to remember and communicate three-words than a grid reference and far more precise than a postcode. Last year Daimler AG took part in a financing round and acquired a share of c.10% of the business. For further background see what3words finds address of new investor and work back.

what3words logoThe link-up with Capita means users of the Vision Command & Control solution will be able to identify a caller’s location using a three-word address. When used in conjunction with Capita’s 999eye video streaming service, control room personnel will be able to see what is happening in real-time without having to use a separate system to look up the three-word location code.

The increasing popularity of what3words means integrating the technology is a sensible move for both Capita and emergency services. As of last month, 26 police forces, 38 fire and rescue services, and five ambulance services (plus three air ambulance services) in the UK confirmed they were using and accepting three-word addresses. Other bluelight suppliers have taken a similar approach e.g. Northgate Public Services has integrated what3words into its xc control room GIS software and it is also available via Sopra Steria’s STORM command and control solution.


          

How the retail industry will top $5.5 trillion by 2020 (TGT, WMT, AMZN)   

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The future of retail is looking bright.The future of mobile commerce

So bright that Business Insider Intelligence, Business Insider’s premium research service, expects the industry to top $5.5 trillion by 2020!

While in-store and desktop purchases are certainly helping the retail industry boom, the biggest factor for this incredible growth is in your pocket.

See the rest of the story at Business Insider

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The direct-to-consumer economy shows no signs of slowing down. Fashion retailer Express is launching its own DTC brand to catch up.   

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  • 40-year-old fashion retailer Express is jumping on the direct-to-consumer bandwagon with its own line of health and wellness products called UpWest.
  • The line includes clothing, sleep aids, CBD products and home products from other manufacturers.
  • UpWest hopes to stand out by building a community with branded content and events as direct brands Goop and Glossier have done in a big way.
  • Legacy companies launching their own direct brands may have a leg-up on the supply side but don't necessarily understand demand as well as DTC brands do, DTC investor Nik Sharma said.
  • Click here for more BI Prime stories.

The swift rise of direct-to-consumer upstarts has forced legacy brands to rethink their businesses. Among them is 40-year-old fashion retailer Express, which is launching a direct-to-consumer wellness brand called UpWest.

With UpWest, Express is trying to take a crack at the $4.2 trillion global wellness industry, said Jamie Schisler, UpWest CEO. The line includes clothing, sleep aids, CBD products, and home products like candles and bath salts from other manufacturers.

"Express is a legacy brand with a long history, but it needs to continue to grow," Schisler told Business Insider. "UpWest helps us get up to speed with the direct-to-consumer trend and changing consumer sentiment, offers us a new segment of consumers we can reach, and lets us grow shareholder value."

Express's net sales declined 2% to $2.1 billion in 2018.

UpWest is taking  a page out of DTC brands' playbooks

UpWest has a team of 11 and handles its own inventory, merchandising and design, and platform (Shopify), but uses Express for areas like supply chain, logistics, and HR. Like typical DTC brands, it will sell its products directly online, and doesn't plan to sell in Express stores, said Schisler.

UpWest hopes to stand out by building a community with branded content and events as direct brands Goop and Glossier have done in a big way. Its website will feature shopping recommendations and it is using meditation-themed events in Austin, Chicago, Columbus, Denver, and Nashville to promote the new line.

UpWest will donate 1% of sales up to $1 million annually to like-minded charities including Mental Health America, Freedom Dogs of America, and Random Acts.

"The world doesn't need another clothing brand," said Schisler. "But there has been a cultural shift within consumer's minds in terms of what they are looking for from brands. They're looking at brands to offer solutions, which means that brands need to be not just transactional, but transformational."

P&G, Verizon, Kellogg's and others have also incubated DTC brands

As the DTC economy grows, legacy companies are trying to catch up. P&G has acquired DTC companies, Coca-Cola has invested in buzzy startups, and others like Verizon and Kellogg's have built direct brands like Visible and Happy Inside, respectively.

Express decided to built its own DTC brand because they can help each other, Schisler said. Express can learn how to work faster from UpWest while the latter can tap Express for manufacturing and distribution.

"The capital structures of acquisition deals is often structured to satisfy current ownership," he said. "This made more sense for us."

Legacy companies launching their own direct brands may have a leg-up on the supply side, but they don't necessarily understand demand as well as independent DTC companies, said DTC investor Nik Sharma.

"Legacy companies only understand what SKUs sell, but they don't always understand the consumers and how they shop," he said.

Join the conversation about this story »

NOW WATCH: A podiatrist explains heel spurs, the medical condition Trump said earned him a medical deferment from Vietnam


          

Open banking: An enabler in the race to relevance in the digital-age    

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These numbers seem small when compared to China’s US$4.64 trillion, but the pace of growth driven by commercial interests and consumer demand signal big opportunities that traditional banks could ...

          

Toyota first-half profit hits record ¥1.27 trillion on sales in Asia and Europe   

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For the full year to March 2020, Toyota maintained its outlook and said it expected a group net profit of ¥2.15 trillion, up 14.2 percent.

          

YTD Residential Construction Spending Falls 8 Percent    

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Posted To: MND NewsWire

Total expenditures on construction in the U.S. moved slightly higher in September but is lagging behind year-earlier figures. The annual losses are coming solely from the private sector as publicly funding spending is moving higher in the majority of building categories. The seasonally adjusted rate of spending nation-wide was $1.294 trillion in September compared to $1.287 trillion in August, a half point gain. However, that is 2.0 percent lower than in September 2018 when the annual rate was $1.320 trillion. On a non-seasonally adjusted basis, spending in September was $116.828 billion, down from 119.109 billion the prior month. Year-to-date (YTD) spending in 2019 is $968.242 billion, down 2.2 percent from the nine-month total in 2018 of $990.242 billion. Private construction expenditures...(read more)

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World: Global Humanitarian Overview 2019 [EN/AR/ES/FR/ZH]   

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Source: UN Office for the Coordination of Humanitarian Affairs
Country: Afghanistan, Argentina, Aruba (The Netherlands), Bangladesh, Brazil, Burundi, Cameroon, Central African Republic, Chad, Chile, Colombia, Costa Rica, Curaçao (The Netherlands), Democratic People's Republic of Korea, Democratic Republic of the Congo, Dominican Republic, Ecuador, Egypt, Ethiopia, Guyana, Haiti, Indonesia, Iraq, Jordan, Kenya, Lebanon, Libya, Madagascar, Mali, Mexico, Myanmar, Niger, Nigeria, occupied Palestinian territory, Pakistan, Panama, Paraguay, Peru, Philippines, Rwanda, Somalia, South Sudan, Sudan, Syrian Arab Republic, Trinidad and Tobago, Turkey, Uganda, Ukraine, United Republic of Tanzania, Uruguay, Venezuela (Bolivarian Republic of), World, Yemen

Global trends and challenges

More than 1 per cent of people across the planet right now are caught up in major humanitarian crises. The international humanitarian system is more effective than ever at meeting their needs – but global trends including poverty, population growth and climate change are leaving more people than ever vulnerable to the devastating impacts of conflicts and disasters.

Humanitarian needs are increasing despite global economic and development gains. In the past decade, the world has made profound development progress. Between 2008 and 2015, the number of people living in extreme poverty fell from 1.2 billion to 736 million. The world is also richer than ever before: global GDP rose from $63.4 trillion in 2008 to $80.7 trillion in 2017.
But in recent years, more than 120 million people each year have needed urgent humanitarian assistance and protection. There are more crises, affecting more people, and lasting longer today than a decade ago. Most humanitarian crises are not the product of any single factor or event, but of the interaction between natural hazards, armed conflict and human vulnerability.

People’s vulnerability to crises is not just about where they live, but also about how they live.
Poverty, inequality, population growth, urbanization and climate change can erode people’s resilience and make them more susceptible to shocks. Although development gains are being made, progress has been uneven. The rate of extreme poverty remains high in low-income countries and in countries affected by conflict. Crises have disproportionate consequences for the poor: people exposed to natural hazards in the poorest nations are at least seven times more likely to die from them than those in the richest nations.

Fragile and conflict-affected areas are growing faster and urbanizing more rapidly than the rest of the world

In the past five years, the world’s population has grown by 400 million people, from 7.2 billion in 2014 to 7.6 billion in 2017. Although global population growth has slowed compared with previous decades, the rate has been uneven. Today, an estimated 2 billion people live in fragile and conflict affected areas of the word, where they are extremely vulnerable to the impact of conflicts and disasters. This number is projected to increase, as the population in these areas is growing twice as fast as the rest of the world, with an annual growth rate of 2.4 per cent, compared with 1.2 per cent globally. And the urban population in fragile areas grows by 3.4 per cent each year, compared with the world average of 2 per cent. These trends can compound resource scarcity and increase vulnerability to disasters. Urban population density can also amplify the impact of disasters and conflicts. In 2017, when explosive weapons were used in populated areas, 92 per cent of casualties were civilians, compared with 20 per cent in other areas. The populations of countries affected by fragility, conflict and violence are also younger than the global average. Whereas the proportion of the world’s population under 14 years of age has been steadily declining to about 25 per cent today, the average for countries in fragile situations is 40 per cent. As a result, one in every four children in the world is living in a country affected by conflict or disaster, facing threats of violence, hunger and disease. In 2017, more than 75 million children experienced disruptions to their education because of humanitarian crises, threatening not only their present well-being, but their future prospects as well.

More people are being displaced by conflicts

By the end of 2017, war, violence and persecution had uprooted 68.5 million men, women and children around the world – the highest number on record, and nearly 10 million more people than in 2014. Just over 40 million people were internally displaced by violence within their own countries, and 25.4 million refugees and 3.1 million asylum seekers were forced to flee their countries to escape conflict and persecution. The levels of new displacements far outstrip returns or other solutions. In 2017, 5 million people returned to their areas or countries of origin, but 16.2 million people were newly displaced – an average of one person displaced every two seconds, and the highest level of new displacement on record.

The rise in forced displacement is not the result of an increase in conflicts. In fact, after peaking in 2014, the number of political conflicts worldwide decreased by about 10 per cent, from 424 in 2014 to 385 in 2017, although there are still more conflicts compared with a decade ago (328 in 2007). However, during the same period, the proportion of violent and highly violent conflicts, which are more likely to cause human suffering, destruction and displacement, increased from 53 per cent to 58 per cent of all conflicts worldwide.5 The total economic impact of conflict and violence has also increased, from $14.3 trillion in 2014 to $14.8 trillion in 2017.6 The major share of both the human and economic cost of conflicts is borne by developing countries, which host 85 per cent of refugees.


          

Bolsonaro Hands Congress Bills to Tackle Brazil’s Budget Woes   

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Bolsonaro Hands Congress Bills to Tackle Brazil’s Budget Woes(Bloomberg) -- Explore what’s moving the global economy in the new season of the Stephanomics podcast. Subscribe via Pocket Cast or iTunes.President Jair Bolsonaro is seeking to exert greater control over a federal budget that’s almost totally earmarked by mandatory expenses as his administration picks new legislative priorities after the approval of a sweeping pension reform last month.The president, along with Economy Minister Paulo Guedes, headed to Congress on Tuesday to personally deliver a series of bills designed to help government officials abide by a constitutional spending cap and the so-called “golden rule” establishing that budget deficits must not exceed investment. The package also includes proposals to cut payroll expenditure by restructuring the careers of public servants.Bolsonaro and Guedes were received by Lower House Speaker Rodrigo Maia and Senate President Davi Alcolumbre, from whom they heard that lawmakers are unlikely to accept any reduction in social spending now. Bolsonaro said he hopes the bills will be approved by mid-2020.The proposals mean that, at least for now, efforts to reform Brazil’s byzantine tax system may be left on the back burner. Guedes’ plan to simplify the tax code suffered a blow when Bolsonaro rejected the reintroduction of a tax on financial transactions that was the cornerstone of the proposal. The economic team is now reworking its offering before sending it to Congress, possibly over the next few weeks.Read More: Brazil’s Massive Tax Code May Face Moment of ReckoningIt’s unclear how much traction those bills will get in parliament, where lawmakers are already discussing alternative tax reform proposals. Recent turmoil in Bolsonaro’s own party also raises questions about the ruling coalition’s ability to push legislation through the lower house and the Senate.“Even as the approval of pension reform may have evidenced Congress’ reformist side, the new batch of measures will demand a similar amount of negotiation,” XP analysts wrote in a note to clients.Read More: Guedes Waited Decades to Change Brazil and He’s Not Quitting NowHere’s an outline of the main proposals prepared by Guedes’ team:Federative PactThis project would establish a fiscal council comprising the president, the head of the supreme court, the Senate president, the lower house speaker, the chief of the audit court and some state governors. The council’s goal would be to oversee the budgets of the federal government, states and municipalities. The bill also seeks to free up the public budget to give the government more freedom to allocate revenue. More than 90% of the primary federal spending, or 1.4 trillion reais (not including interest payments) is mandatory.Emergency AmendmentThis mechanism would make it easier for elected officials to automatically trigger austerity measures that ensure compliance with the spending cap and the golden rule. The idea is to create a legal framework allowing federal and state governments as well as municipalities to reduce salaries and working hours of public servants in order to cut expenses in case of a budget emergency.Mansueto PlanThe Economy Ministry has already sent to Congress a bill to help state governments in financial crisis to gain access to bank loans guaranteed by the federal government. It also gives two more years for state governments to comply with the spending cap. In exchange, states have to adopt fiscal measures to reduce expenditure and increase revenue. The program was named after Treasury Secretary Mansueto Almeida.Administrative ReformThis plan reviews the careers of public workers. The idea is to increase the number of years a public servant takes to reach top posts in their career and lower the starting salary. For some careers, there will be a change in the employment rules for new servants. Evaluation rules for promotions will also be reviewed.FundsThis plan will review and possibly extinguish most of the 260 government funds -- including those mandated by the constitution -- that were designed to finance development projects in poor areas of the country.(Updtes with delivery of proposals to Congress, quote from analyst in sixth paragraph.)\--With assistance from Mario Sergio Lima.To contact the reporters on this story: Martha Beck in Brasilia at mbeck96@bloomberg.net;Simone Iglesias in Brasília at spiglesias@bloomberg.netTo contact the editors responsible for this story: Walter Brandimarte at wbrandimarte@bloomberg.net, Maria Luiza RabelloFor more articles like this, please visit us at bloomberg.com©2019 Bloomberg L.P.



          

Top Producers Silver Mine Supply Continues To Decline JAN-JUL 2019   

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Three of the largest silver producers in the world saw their combined mine supply continue to weaken in the first seven months of 2019. While Mexico and Chile experienced declines in their silver production, Peru was by far the biggest loser. Peru, which is the second-largest silver producer in the world, suffered an 11% decline in the country’s domestic mine supply Jan-Jul 2019. Even though the decline of silver mine supply at these leading producers isn’t impacting the current silver market price currently, it will likely do so as the Fed and central banks lose control of their QE money printing and asset purchase policy. In less than two weeks, the total U.S. debt has increased by another COOL $85 billion. With total U.S. public debt now at $22.92 trillion, it’s only a matter of time, maybe just a few weeks before we reach another record of $23 trillion.

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Debt Payoff Methods: All About the Blizzard Approach   

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So you have debt. As you probably know, you’re suffering in good company. According to the Federal Reserve, total household debt is at a staggering $13.86 trillion — and has been steadily climbing. While you might be one of millions...

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The post Debt Payoff Methods: All About the Blizzard Approach appeared first on MintLife Blog.


          

Java Developer   

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NJ-North Brunswick, Ranked as a top Fortune 100 Financial Services company, our client has an opening for a Sr. Java Developer to work onsite in North Brunswick, NJ. This will initially be a 6 month contract assignment and has potential to extend up to 24 months. Imagine everything that you could learn to advance your career while working at a Fortune 100 company with around $2.0 trillion in assets. Check out the qua

          

Juniper Research: B2B Cross Border Payments to Boom on Blockchain   

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Juniper Research predicts that B2B cross-border payments on Blockchain will boom over the next five years. The report suggests that these payments will boom from $171 billion this year to $4.4 trillion by 2024.

          

The most stressful job(s) at Deutsche Bank, and three key questions from Goldman’s former chief recruiter   

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Although about half of its risk weighted assets have been split off into the Capital Release Unit, Deutsche’s investment bank is still just under half a trillion euro worth of balance sheet

          

Corporate - Global Conflicts - Conflicts Management and Business Selection - Associate | J.P.Morgan   

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New York, New York, JPMorgan Chase & Co. (NYSE: JPM) is a leading global financialservices firm with assets of $2.5 trillion and operations worldwide. The firmis a leader in investment banking, financial services for co

          

Blockchain-based Cross-border B2B Transactions to Skyrocket to $4.4 Trillion by 2024   

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New data from Juniper Research has shown that the total value of B2B cross-border payments immutably stored on blockchain will exceed $4.4 trillion by 2024; up from $171 billion in 2019. Blockchain enables real-time clearing and settlement for B2B transactions, while offering increased transparency and reduced costs. - - The new research, Blockchain: Key Vertical Opportunities, Trends & Challenges 2019-2030 , revealed that financial institutions will save $7 billion by 2024, due to...

Read the full story at https://God.blue/splash.php?url=7qHhdcvpea7NjypvPITSxf5ibkJbWElNR3Z6nH_PLUS_ns43VqLu_PLUS_pAAgimgRyj_PLUS_osXK0duq7I9POzW5rzvKjrCxFsoPBGr_PLUS_lWJCfJ5MJw4AtyQb6y3kvkJTihaN7h8NoR7EFSq9e9lTq_PLUS_tkXE8tDDhXLaw_EQUALS__EQUALS_


          

The Feds Spend More on National-Debt Interest Than You Think   

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Recently, the Treasury Department reported a 26% increase in the federal budget deficit with a 2019 deficit of $984 billion. The reported data on the budget can be misleading. You might think that a budget deficit is the amount of spending that exceeds budget revenue, in other words, the amount of borrowing needed to make up for this shortfall. However, in the world of Washington D.C., not all spending is counted as spending and it’s possible for the government to borrow money from itself. Let’s look at the actual Treasury Department budget numbers.

The Treasury reports the Total Public Debt Outstanding of almost $23 trillion, which is the sum of the Intragovernmental Holdings and the Debt Held by the Public.

There is roughly $6 trillion of Intragovernmental Holdings. This is money that the federal government says that it owes to itself. Over the years, the government has earmarked tax revenues for one use, say Social Security spending, and spent those revenues on some other category of spending. So now they owe themselves this money. However, this is not truly debt. No business or household is concerned about being in debt to itself. If you promise to spend $100 of your income on a car payment and instead you buy $100 of food, you don’t pretend that you owe yourself $100. However, in the feds’ budget this is called Intragovernmental Holdings. When looking at the debt numbers we should ignore these Intragovernmental Holdings.

That leaves us with the Debt Held by the Public, what I consider to be the true amount of federal government debt.

In your personal life, if you earn $100, you spend $120, and you borrow $20 to cover this shortfall, then your personal deficit is $20. Similarly, if the feds have $100 billion of revenue and spend $120 billion, then they must borrow $20 to cover this spending. That $20 increase in their debt is the deficit. So the true deficit is the change in the Debt Held by the Public.

Here is the Treasury Department data for the Debt Held by the Public since 2001.

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The Congressional Budget Office has reported that the 2019 deficit is the highest that it’s been in seven years. As you can see from the numbers above, that report is not quite accurate. The deficit peaked at over $1.7 trillion in 2009 and while the deficit is distressingly high, the 2018 and 2016 deficits were slightly higher. The deficits of this century under the Bush II, Obama, and Trump administrations should concern all of us. The government’s debt has increased 400% in 18 years. And we’re projected to have trillion dollars plus deficits for the foreseeable future.

How much interest does the government pay on their debt? Since the government owes is in debt to itself, it pays itself interest. We should ignore these intragovernmental interest payments for the same reason we should ignore the intragovernmental debt.

Fortunately, the Daily Treasury Statements provide us with the Interest on Treasury Securities. This is the actual amount of withdrawals from government accounts for interest payments, so this number ignores intragovernmental interest payments. Here are the numbers.

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From FY 2001 to 2019, interest payments increased 88% from $162.5 billion to $305.7 billion. As I previously stated, during that same time, Debt Held by the Public increased 400%. For the last several years, the feds have taken advantage of artificially low interest rates. If interest payments had increased at the same rate as the level of debt, the 2019 interest payments would be $818 billion. For comparison sake, payments for Security Benefits in FY 2019 were $921 billion. As the government continues to pile up trillion dollar deficits, when interest rates return to a historical norm, interest payments may exceed payments to Social Security recipients. With the coming budget deficits, it’s possible that interest payments could surpass a trillion dollars annually in the next decade.

Generally, the political class appears to be unconcerned about the budget deficits. Those who are troubled about budget issues are generally concerned that the deficits will out of control in a couple of decades. The 2019 Congressional Budget Office Long Term Budget Outlook report states that the 2019 federal debt held by the public equals “78 percent of gross domestic product (GDP) — its highest level since shortly after World War II. If current laws generally remained unchanged, growing budget deficits would boost federal debt drastically over the next 30 years, the Congressional Budget Office projects. Debt would reach 92 percent of GDP by the end of the next decade and 144 percent by 2049.”

Don’t be fooled. A budget crisis could occur much earlier than 2049 because of the level of borrowing needed to fund the deficit and its debt payments. It’s reported that the federal government spent about $4.75 trillion last year . This ignores the government’s debt payments. According to the Treasury Department, total spending in FY 2019 was nearly $16 trillion. (In the Daily Treasury Statements, this is calls Total Withdrawals.) By reporting spending to be $4.75 trillion, the feds are hiding most of their spending from us.

The federal government is borrowing a tremendous amount of money to make its payments on its Debt Held by the Public. The final Daily Treasury Statement of 2019 tells the story. In the past fiscal year, they borrowed $11.9 trillion (called Public Debt Cash Issues) and made debt payments of $11 trillion (called Public Debt Cash Redemptions). If we include all borrowing and debt payments to be part of the federal budget, then the $11.9 trillion of borrowing constituted 74.5% of federal spending and debt payments were 68.5% of federal spending. Debt payments in 2019 were over twice as much as all other combined spending.

Here is the historical data for the Public Debt Cash Issues and the Public Debt Cash Redemptions.

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Note the skyrocketing amount of borrowing in the past 19 years. Since 2001, Public Debt Cash Issues (total borrowing) increased 375% and Public Debt Cash Redemptions (debt payments) increased 311%.

The danger here is that lenders at some point may not be willing to loan our government these trillions of dollars a year. In the last 18 years, Public Debt Cash Issues increased at an average rate of almost 9% per year. This is not sustainable. If the federal government continues to increase its borrowing at 9% annually, in 2030, the feds will need to borrow over $28 trillion to cover their spending on the deficit and debt payments. The moment lenders become unwilling to fund this budget recklessness, the government’s financial houses of cards will collapse.


          

Operational Risk Consultant | Wells Fargo   

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Bangalore, India, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel

          

Business Systems Consultant | Wells Fargo   

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Bangalore, India, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel

          

Top AI Stocks: This Trillion-Dollar Industry Has Investors Excited for the Future   

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iStock.com/metamorworks Top AI Stocks The technology sector is almost always a “hurry up and wait”‘ game. Companies on the cutting edge of tech relentlessly pour years and cash into research and development, with eyes keenly focused on the long game. When it all comes to fruition with a truly breakthrough,...

          

Other: Private Mortgage Banker - Fort Lauderdale, Florida   

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Job Description Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume prior to submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message.? In order to receive text message invitations, your profile must include a mobile phone number designated as ?Personal Cell? or ?Cellular? in the contact information of your application.At Wells Fargo, we want to satisfy our customers? financial needs and help them succeed financially. We?re looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you?ll feel valued and inspired to contribute your unique skills and experience.Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.Consumer Banking is an industry leader in supporting homeowners and consumers in addition to operating one of the most extensive banking franchises in the country.? We serve mass market, affluent, and small business customers; as well as provide home and personal lending. Our focus is on delivering an exceptional experience for our customers through financial advice and guidance coupled with providing the products and services that will help them realize their financial hopes and dreams.? We?ve built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results.? Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.We have an immediate opening for a Private Mortgage Banker.? This individual is responsible for producing high quality jumbo residential mortgage loans that meet Wells Fargo Home Mortgage guidelines by building relationships focused on affluent borrowers with realtors, builders, financial professionals, bank stores, past customers, and other non traditional sources.? Strong sales and organizational skills are essential.? Bi-lingual job seekers are encouraged to apply.??Additional duties include: Develop knowledge of company products, policies and procedures, and underwriting requirements Understand real estate appraisals, title reports, and real estate transactions Inform prospective and existing customers of WFHM programs, rates, policies, underwriting requirements, and loan procedures Analyze detailed financial and credit data, matching customer needs with an appropriate loan program and level of risk Receive customer applications, quote the rate and points, and complete follow-up activities with the registration lock-in Develop and maintains a high degree of visibility for WFHM in the marketplace Perform miscellaneous duties as needed and required Required Qualifications 2+ years of sales experience in financial services, outside sales experience, or a combination of both Desired Qualifications Basic Microsoft Office skills Documented retail residential mortgage fundings over the past 12 months referred primarily from established, local, external sources Excellent verbal, written, and interpersonal communication skills Mortgage industry experience Knowledge and understanding of sales prospecting and generating referrals Bilingual speaking proficiency in Spanish/English Customer service experience A BS/BA degree or higher Experience working with ultra-high-net-worth clients Job Expectations This position requires SAFE registration at the time of employment. Wells Fargo will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (https://God.blue/splash.php?url=3J35Q2QXNWYWE007c6e7pW50tJhRKvhB9KGq_SLASH_T9ErCTjiGKtIYVBtxKwaCX8uEP9IFklzeWP_SLASH_sjrZ6Jk7XJwrw0bhJRdGuLUGonpj5Smb92_SLASH_ajk9nG7_SLASH_fdb2ubG_SLASH_xGbji1UHPI_SLASH__SLASH_gP_PLUS__SLASH_u_SLASH_ftL9W6qw_EQUALS__EQUALS_ ) provides the MU4R questions and registration required for employment in this position. Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related Wells Fargo policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary. This position requires compliance with all mortgage regulatory requirements and Wells Fargo's compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents. Ability to lift 20+ pounds Reliable transportation Ability to work nights, weekends, and/or holidays as needed or scheduled Street Address FL-Boca Raton: 975 S Federal Hwy - Boca Raton, FL FL-Miami: 333 Se 2nd Ave - Miami, FL FL-Fort Lauderdale: 350 E Las Olas Blvd - Fort Lauderdale, FL Disclaimer All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act. Relevant military experience is considered for veterans and transitioning service men and women. Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation. Company Description: Wells Fargo & Company (NYSE: WFC) is a diversified, community-based financial services company with $1.9 trillion in assets. Wells Fargo---s vision is to satisfy our customers--- financial needs and help them succeed financially. With approximately 261,000 team members, Wells Fargo serves one in three households in the United States. Wells Fargo & Company was ranked No. 29 on Fortune---s 2019 rankings of America---s largest corporations. News, insights and perspectives from Wells Fargo are also available at Wells Fargo Stories.--Wells Fargo has been helping military members and veterans succeed financially for nearly 170 years. Throughout the years, Wells Fargo has supported military members and veterans through initiatives to recruit and retain team members, and through foundation donations, countless volunteer hours, and event sponsorship. ()

          

Trash public schools and push privatization   

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DeVos's formula for success 
Bryan Alexander, Georgetown University

education impact GIFWhen U.S Secretary of Education Betsy DeVos discussed the results from the 2019 National Assessment of Educational Progress, she described them as “devastating” and part of a worsening crisis in education.

The results showed a slight decline in reading scores and a flattening in math scores.

She noted that two out of three of the nation’s children aren’t proficient in reading. She also decried as ineffective the US$1 trillion in federal spending on education over the past 40 years, saying it has done nothing to stop the widening gap between the highest and lowest performing students.

“We cannot abide these poor results any longer,” DeVos stated. “We can neither excuse them away nor simply throw more money at the problem.”

As an education scholar, here are several issues that I see with DeVos’ take on the state of American education.


Click Here to Read More >>

          

US would need to spend at least $5 Trillion in infrastructure to retain productivity.   

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Business Backs Ramaphosa Again, Closer to Trillion-Rand-Plus Investment Target   

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[Daily Maverick] At the start of the second SA Investment Conference on Wednesday 6 November 2019, President Cyril Ramaphosa was upbeat as more than R100bn in investments was pledged by about a dozen companies and business partnership forums before morning tea.

          

Sanders blasts Apple for $2.5B investment to fight housing crisis   

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Independent Vermont senator and 2020 presidential hopeful Bernie Sanders is not impressed by tech giant Apple’s efforts to increase the supply of affordable housing in California amid a growing crisis. In a statement on Monday evening, Sanders called out the Cupertino, California-based company out for trying to distract from a problem it helped create. “Apple's announcement that it is entering the real estate lending business is an effort to distract from the fact that it has helped create California's housing crisis – all while raking in $800 million of taxpayer subsidies, and keeping a quarter trillion dollars of profit offshore,...

          

China's Oct forex reserves rise to $3.105 trillion   

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BEIJING, Nov 7- China's foreign exchange reserves rose $12.7 billion in October to $3.105 trillion, central bank data showed on Thursday. China has been able to keep capital outflows under control over the past year despite an escalating trade war with the United States and weakening economic growth at home. The value of China's gold reserves rose to $94.65...

          

UPDATE 1-Toyota posts 14% rise in Q2 operating profit as car sales rise   

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*Sets USD/JPY assumption rate 107 yen vs pvs forecast 106 yen. Toyota maintained its forecast for annual operating profit of 2.4 trillion yen, down slightly from 2.47 trillion yen last year, although it now expects the yen to trade at 107 yen to the U.S. dollar, versus a previous forecast of 106 yen. Sales in North America, Toyota's biggest market, rose 5.6%, while sales...

          

11/04 Links Pt2: Poll: Almost 50% of UK Jews will 'seriously consider' leaving if Corbyn wins elections; Historian: New evidence shows FDR’s bigotry derailed many Holocaust rescue plans; Ray Charles in Israel   

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From Ian:

Poll: Almost 50% of UK Jews will 'seriously consider' leaving if Corbyn wins elections
Britain's Jewish community so deeply concerned by the prospect of Labour Party leader Jeremy Corbyn winning the next general election that community leaders have launched a campaign to undermine his premiership candidacy.

A recent poll by the Jewish Leadership Council, a British-Jewish advocacy group, found that 47% of British Jews would "seriously consider" emigrating if Corbyn is elected prime minister.

Some 87% of British Jews believed Corbyn to be anti-Semitic, and 90% said they will not vote for Labour, the poll found.

UK Prime Minister Boris Johnson called the general elections, set for Dec. 12, following his failure to push the Brexit deal through Parliament. Johnson's promise to have the UK leave the European Union by Oct. 31 had been a key element in the Conservatives' leadership bid, which brought him to power in July.

Corbyn has been repeatedly lambasted for his failure to tackle anti-Semitism within Labour. In 2018, the party received 863 complaints of anti-Semitism but took action in only 101 of those cases. Worse, Labour members who have publicly made statements such as "Jews are the problem" have remained in the party despite complaints against them.


According to the Jewish Chronicle, prominent British Rabbi Jonathan Romain has even taken the unprecedented step of urging congregants to vote against Labour, warning that a Corbyn-led government "would pose a danger to Jewish life as we know it."

"I should stress that the problem is not the Labour Party itself, which has a long record of fighting discrimination and prejudice, but the problem is Jeremy Corbyn. Corbyn-led Labour, has at best, let antisemitism arise within its ranks, or at worst, has encouraged it," Romain wrote in a letter to the 823 families who are members of his Berkshire shul.

"This has never happened under any previous Labour leader … so the finger of responsibility really does seem to point to Jeremy Corbyn. I am therefore suggesting we should each put aside all other considerations and vote for whichever party is most likely to defeat Labour in whatever constituency we are in – even if we would never normally vote for that party."

Israel Advocacy Movement: Why vote Labour?
In the upcoming election, a vote for Labour is a vote for:
☠️ Terrorism supporters
🇻🇪 An economy like Venezuela
🚫 Racism
A vote for Labour is a vote for insanity… watch the election video Labour don't want you to see.


Jewish Caller Tells Maajid Nawaz He Would Emigrate If Corbyn Elected
A Jewish caller told Maajid Nawaz that he would close his business and leave the UK if Jeremy Corbyn were to become Prime Minister because of anti-Semitism.

David, from Hendon, said: "I will leave the country as soon as Corbyn comes in, God forbid that he should.

"I will not stay in a country where anti-Semitism is now accepted because I think, brilliantly, he and his PR people just didn't answer really, just deflected old accusations.

Now people are fed up with hearing the word so it's almost as if it's accepted and whether that's the case or people are actually anti-Semitic in this country... I hope not but I'm beginning to have my doubts."

He also explained that he would shut down his business of 53 people.

He said: "I will leave, I will close down all of my businesses which I can. I've been nervous of this, I'm in the position where I'll be able to close them down.

"These people won't be employed anymore and that's fine. I'm looking after myself and I'm sure people, some of your viewers or listeners will be saying 'good riddance, let's get rid of the guy'.

But there are hundreds of people like me, and not all of them are Jewish, there are hundreds of wealthy people who have built up businesses who know that in the end Mr. Corbyn will take it all away from us because he doesn't appreciate people who work hard."




Historian: New evidence shows FDR’s bigotry derailed many Holocaust rescue plans
Not only was US president Franklin Roosevelt perfunctory about rescuing Jews from the Nazis, but he obstructed rescue opportunities that would have cost him little or nothing, according to Holocaust historian Rafael Medoff.

FDR’s role in preventing the rescue of European Jewry is detailed in a new book called, “The Jews Should Keep Quiet: Franklin D. Roosevelt, Rabbi Stephen S. Wise, and the Holocaust.”

Published in September, Medoff’s book includes new archival materials about the relationship between Roosevelt and Rabbi Stephen Wise, who the author sees as a sycophantic Jewish leader used by Roosevelt to “keep the Jews quiet.”

Wrote Medoff, “Franklin Roosevelt took advantage of Wise’s adoration of his policies and leadership to manipulate Wise through flattery and intermittent access to the White House.” In return for visits to the White House and Roosevelt calling him by his first name, Wise undermined Jewish activists who demanded the administration let more Jewish refugees into the US.

According to Medoff, Roosevelt’s policies toward European Jews were motivated by sentiments similar to those that spurred him to intern 120,000 Japanese Americans in detention camps as potential spies.

“Roosevelt used almost identical language in recommending that the Jews and the Japanese be forcibly ‘spread thin’ around the country,” Medoff told The Times of Israel. “I was struck by the similarity between the language FDR used regarding the Japanese, and that which he used in private concerning Jews — that they can’t be trusted, they won’t ever become fully loyal Americans, they’ll try to dominate wherever they go.”
Gil Troy: Mark Twain’s ‘Innocents Abroad’ explains our Israel obsession
Twain offered his pragmatic American explanation for Palestine’s desolation: “Palestine is no more of this work-day world. It is sacred to poetry and tradition – it is dream-land.” Twain feared that Palestine induced so much stargazing no one ever rolled up their sleeves to produce anything there.

Fortunately, the Zionist movement was starting to tap into old-new Jewish dreams to motivate hardy, hardscrabble, hardworking pioneers – much as the American dream drove Twain’s fellow Americans. This pre-Zionist book offers a core Zionist message. The Palestine Twain saw highlights the modern miracles Zionism created that we take for granted.

STILL, IF dreams can motivate or paralyze, mythmaking can inspire – or disappoint. Sarna has long shown how Palestine as dreamland boosted modern Israel in American and Jewish eyes. Many Americans, especially American Jews, echo the pilgrims’ naivete. They romanticize Israel, falling in love with what Sarna calls a “mythical Israel,” more indicative of “American Jewish ideals” than “Israeli realities.” The Zionist dream, American-style, long celebrated an Israel that was even more progressive than America – defined by kibbutz workers, not Wall Street investors; built by new brawny Jews, not traditionally brainy Jews.

Beware: too much mythmaking about any country – especially the world’s only Jewish state trying to survive in a Middle East hostile to Jews and democracies – is risky. As with any romance, some idealization during courtship greases the wheels of love. And Israel’s “dreamland” still dazzles most Americans. But, today, with Israel in middle age, the toxicity of faded romance often triggers an overly harsh counterreaction. Somehow, many of Israel’s jilted leftist lovers still love America while hating Donald Trump. Yet when they detest an Israeli policy or prime minister, they give up on Israel and Zionism.

Mark Twain’s memories of being a Missouri non-Yankee in King Solomon’s court helps explain our modern obsession with Israel, too. Twain emphasizes how foundational Palestine is to the West. “Crowded with historical interest,” filled with “elegant fragments,” it still dominates our collective imaginations.

But heed Twain’s warning. Those who believe Israel can do no right – along with those who believe Israel can do no wrong – are often telling us more about the “verdicts they brought with them” rather than their fair assessments of this rich, complex, modern democracy.

Clearly, we have some Mark Twain-like “unlearning” to do, especially about Israel.
Revisionist Author Tries to Distort the Record of David Ben-Gurion
Tom Segev’s well-written biography of Israel’s first prime minister, A State At Any Cost: The Life of David Ben-Gurion, is undercut by the author’s biases and penchant for narrative.

It would be hard to imagine Israeli Prime Minister Benjamin Netanyahu publishing an op-ed in The New York Times on Buddhism. But back in April 1962, the first Israeli premier, David Ben-Gurion, did precisely that — but only after spending weeks studying with religious scholars as a personal guest of the prime minister of Burma, today’s Myanmar. Ben-Gurion even insisted, much to the consternation of his teachers, “that he had discovered a self-contradiction in the Buddha’s doctrine that no one else had ever noticed.” It turned out that he was wrong; it was a translation error.

As Segev makes clear, Israel’s founding father was both exceptional and eccentric. And nearly five decades after his passing, Ben-Gurion remains iconic, with a legacy and career that are arguably unmatched in the small nation’s modern history.

As his private secretary, Yitzhak Navon, once observed, “Without Ben-Gurion, the State of Israel would not be in existence — and this I can say about nobody.” Indeed, long before he was making history, Ben-Gurion was its avid student.

As Segev notes: “He saw himself, and was seen by others, as an incarnation of history.” To a great extent, this was the result of the tremendous willpower that he displayed throughout his life.
New Book Tells a Holocaust Family Mystery
I just finished reading an extraordinary new book, House on Endless Waters by author Emuna Elon.

From start to finish, I found it to be well-written, touching, and chock-full of character development; there were so many stories I could relate to.

The book is a family mystery ripe with great plot twists. It explores one man’s quest — a renowned Israeli author — to visit his birthplace in Amsterdam, despite promising his late mother that he would never return to that city. And during a visit to that city’s Jewish museum, he sees a picture of his mother, pre-war, holding a child he doesn’t recognize. The book explores his adventures through Amsterdam — past, present, and future — replete with dreams, visions, and more, all in beautifully written prose.

Throughout the book, I had memories of growing up in a home where my grandparents were Holocaust survivors, and my mom (z”l) spent so much time researching, reading, and studying about the history of our many family members who were murdered by the Nazis. She attended conferences, discovered obscure files, and spent days at Yad Vashem. In the last few months of her life, my mother learned that her father, Morris Waga, had been married with a family before he married my grandmother. He lost that wife and a three-year old daughter in the camps to the Nazis. Yet, throughout his entire life, he never told my mother or her younger brother.

The book discusses underground networks that hid Jewish children during the war, and the burdens faced by those who survived. The scars of the Holocaust haunt families and people for generations.
Jonathan Tobin: Can Joe Biden save the day for pro-Israel Democrats?
The problem here for pro-Israel Democrats is that, out of necessity, they’ve hitched the fate of their cause to what right now looks like a fading star. Biden, who hasn’t won a competitive race on his own (being Barack Obama’s running mate doesn’t count) since Richard Nixon was president, has so far been a disappointment to his backers. With a focus on the effort to impeach Trump dominating the headlines this winter, it may also remind voters of his son’s questionable behavior further dragging him down.

Nor, it should be added, is Biden coming to the issue with entirely clean hands. He was part of Obama’s eight-year-long pressure campaign against the Israeli government, as well as an ardent supporter of the disastrous 2015 Iran nuclear deal, which he still defends.

Biden may be instinctively supportive of the Jewish state in ways that eclipse those of Warren, Sanders and Buttigieg; however, the tenor of his dialogue with Israel has always been that of an American who thinks he knows the Middle East better than Israelis. Biden received a devastating – and completely deserved – tongue-lashing from former Israeli Prime Minister Menachem Begin at a Senate hearing in June 1982. In response to Biden’s threats of aid cuts that were hardly different from the statements of the primary opponents he now considers “outrageous,” Begin slapped him down by telling him that he was “not a Jew with trembling knees,” and that Israel would defend its principles, “and, when necessary, we will die for them again, with or without your aid.”

In a competition with far more extreme critics of Israel than he ever was, Biden is the best that pro-Israel Democrats, who once dominated their party yet now seem unable to muster sufficient support for censoring or shunning anti-Semites like Omar and Tlaib, can muster. It is on his aging and uncertain shoulders that the fate of the Democrats as a pro-Israel party rests. That’s a prospect that should scare friends of the Jewish state, no matter which party they support.
Michael Lumish: Are Arabs indigenous to Judea?
Of course, Arabs are not indigenous to Judea / Israel. Arabs are conquerers indigenous to the Arabian peninsula. If one cares about "the conflict" -- or what I call The Long Arab / Muslim War against the Jews of the Middle East -- then one must recognize the Jews as indigenous and the Arabs and Muslims as imperialists and colonialists.

And, yet, the progressive-left and the Democratic Party honestly believe that the Jewish defenders of Jewish children and Jewish land are the aggressors. They honestly believe that Arabs have every right to kill Jews as a matter of "resistance." It is an intelligent rhetorical strategy on par with the propaganda skill of the National Socialists.

The brilliance behind Arab and Muslim imperialism is that they actually managed to convince the arrogant and ignorant Euros that they are the indigenous population in the lands that they conquered.
Corbyn, a cause for concern
Meanwhile, Johnson's main rival, Labour leader Jeremy Corbyn, also isn't assured of restoring his party to power for the first time since 2010. Corbyn's ideological extremism is attractive to certain strata of British society but is also a deterrent to others. Some polls find Corbyn to be the "least popular Opposition leader of the past 45 years." Even if he doesn't win, it's still theoretically possible for him to establish a "resistance coalition" against Johnson and Brexit, which would include the Liberal Democrats and Scottish separatists who oppose leaving the EU.

Even if Labour is weakened in the upcoming election, in such a manner that Corbyn is forced to resign, he will have left behind a party that is fundamentally different than the one he inherited four years ago. Labour's far-left faction has effectively consummated its takeover of Britain's main Opposition party, essentially ridding it of all internal dissent. Under the guise of its anti-Israel and anti-Zionist worldview, Labour has normalized anti-Semitism as part of the British political landscape. Even if Corbyn goes, the devastation he leaves in his wake will be absolute.

All efforts by the country's Jewish community and Labour's own Jewish MPs to foster dialogue with Corbyn's circle about banishing anti-Semitic activists within its ranks have floundered amid their refusal to recognize the importance of the matter. There have been cosmetic initiatives, mostly for public relations purposes, but little else. Labour under Corbyn's leadership has legitimized anti-Semitism and shown Jews that the party that first welcomed them to Great Britain – no longer cares for them.

With a sense of humor that under the current circumstances has taken a darker turn, British Jews have altered Labour's slogan from "For the many, not for the few," to "For the many, not for the Jew." If Labour rises to power, this joke could have serious implications for all of Britain.




Also in October: A selection of other antisemitic Incidents that we did not cover
A swastika was spray-painted on a sign near a Jewish school in Gateshead. The graffiti appeared on the corner of High West Street and Gladstone Terrace on 7th October.

A swastika and the words “Lewis is a Jew” were carved into the glass panel of a bus stop in East Leeds. Anyone with information should contact West Yorkshire Police on 101 referencing log number 243.

On Shabbat, 19th October at the Clapton Common and Oldhill Street junction in Stamford Hill, three males accosted Orthodox Jews walking home from synagogue with antisemitic slurs including “Heil Hitler”.
Alison Chabloz fails to overturn conviction over Holocaust denial at High Court, leaving no further avenue of appeal
Moments ago, notorious antisemite and Holocaust denier Alison Chabloz has had her application for a judicial review denied by the High Court following her landmark conviction on three charges of sending grossly offensive communications via a public communications network.

Ms Chabloz had sought to overturn her conviction on technicalities relating to the meaning of what constituted sending communications online, but the High Court denied her appeal and upheld the earlier judgment. There was confusion over the way that the case had proceeded to court as Ms Chabloz’s case was brought before judges by her barrister, Adrian Davies, who maintains his record of losing cases for neo-Nazis and Holocaust deniers.

Ms Chabloz had sought to overturn her conviction on technicalities relating to the case began as a private prosecution by Campaign Against Antisemitism, which was then continued by the Crown Prosecution Service. The charges related to three self-penned songs in which Ms Chabloz denounced a supposed Jewish conspiracy to dominate the world and attacked the Holocaust as a fraud perpetrated by Jews for financial gain.

The conviction set a new precedent in British law, effectively delivering a landmark precedent verdict on incitement on social media and on whether the law considers Holocaust denial to be “grossly offensive” and therefore illegal when used as a means by which to hound Jews.
Boston University set to hire anti-Israel professor
Sarah Ihmoud, a postdoctoral associate at Boston University, is currently under consideration for a teaching position at the university, Americans for Peace and Tolerance (APT) reported.

According to APT, the university has not yet made an offer to Ihmoud, but the offer is "imminent."

Education Without Indoctrination (EWI) called for action to prevent Boston University from becoming "a platform for Jew-hate."

Ihmoud, co-author of Sexual Violence, Women’s Bodies, and Israeli Settler Colonialism, presented the paper to BU. In it, she claims that "rape and killing of Palestinian women was a central aspect of Israeli troops' systematic massacres and evictions during the destruction of Palestinian villages in 1948" and describes Nazi-like actions, including the shooting of pregnant women and the murder of children.

The paper also claims that that both brutality and sexual violence against Palestinian Authority women is an ongoing tactic of the IDF.
Major Jewish Groups Applaud Twitter for ‘Belated’ Shut Down of Hamas, Hezbollah Accounts
Major Jewish groups applauded the micro-blogging website Twitter on Sunday for suspending a series of accounts affiliated with the terrorist groups Hamas and Hezbollah.

“Thank you @Twitter for suspending the accounts of Hamas and Hezbollah,” Jonathan Greenblatt, the CEO of the Anti-Defamation League, tweeted.

Referring to Twitter CEO Jack Dorsey, Greenblatt added, “US-designated Foreign Terrorist Organizations do not belong on the platform. Let’s hope all platforms follow @jack’s lead.”

The American Jewish Committee also weighed in, pointing out that while Twitter has accepted that there is no difference between the “military” and political wings of terrorist groups, the European Union continues to separate the two.


The Simon Wiesenthal Center responded by tweeting, “Belated but welcome anti-terrorist moves by @Twitter — hope others will follow.”
BBC ignores Twitter’s terror groups suspensions
To date, those searching for coverage of that story under the BBC News website’s ‘social media’ and ‘Twitter’ tags will find nothing.

Perhaps the BBC is having difficulty working out how to square that quote from Twitter with its own euphemistic portrayals of Hamas as a ‘militant Islamist group’ and Hizballah as a ‘political, military and social organisation’.
Indy egregiously misleads on Gaza power shortages
A Nov. 3rd article in the Independent on the use of solar power in Gaza grossly misled readers as to the extent and origin of the strip’s electricity shortages.

The article, “Meet the Gazan woman turning rubble into building blocks and sunlight into power”, by their deputy international editor Gemma Fox, begins thusly:

For Samar, Gaza’s crippling blackouts used to mean a daily, panicked rush to take her son to the nearest hospital so that his lungs wouldn’t fail.

He suffers from a lung disease that has left him dependent on a machine to breathe. But the machine depends on electricity – something in critically short supply in Gaza.

Samar’s story is far from unique, with the enclave’s two million residents forced to try to survive on roughly three hours of electricity since Israel imposed a blockade in 2016.

Hospitals and other buildings rely on generators to keep the power on during the cuts, but they are expensive, and until recently, a luxury that Samar was unable to afford.


First, Israel imposed their blockades of Gaza, due to Hamas’s takeover of the strip, in 2007, not 2016.

Also, it was both Egypt and Israel who imposed a blockade. In Israel’s case, the only items that have generally been restricted are military related (or dual-use) goods.

Additionally, the Indy gets their figures on the daily availability of electricity in Gaza wildly wrong. Palestinians in the strip get around twelve hours a day, not three, as a detailed report and graph by United Nations Office for the Coordination of Humanitarian Affairs (OCHA) makes clear.
BBC WS radio amplifies claim that a country called Palestine “existed”
Despite the claims from Hills and Lefrak, as we noted when BBC World Service radio previously promoted the museum and its founder back in June, it is essentially the continuation of a project that is very much political – even if Lefrak fails to identify it as such.

Lefrak: “Museum founder Bshara Nassar says his goal is to create a space that’s more personal than political.”
Nassar: “We want to really transform the story and put Palestinians in the light that we’re human beings, right? We’re artists, we’re entrepreneurs, we’re in politics and we contributing a lot to the US as immigrants as well.”
Lefrak: “Nassar immigrated to the US from the West Bank in 2011. When he came to Washington he saw a city full of museums but he didn’t see one that reflected him.”
Nassar: “Really I could not see a place where the Palestinian story can be told.”
Lefrak: “So he decided to open a travelling exhibition that would eventually become the museum. One of the objects in the collection is a 1946 passport for the Palestine Mandate. It was rendered useless the following year after the United Nations voted to establish the State of Israel. Curator Nada Odeh wants visitors to understand that history.”


That passport was of course in fact “rendered useless” in May 1948 when the British terminated their administration of the League of Nations Mandate for Palestine – the purpose of which was to create a Jewish national home. In 1947 the UNGA passed a resolution (181) recommending that the area then still under British administration should be partitioned between Jewish and Arab states – a recommendation accepted by the Jews but rejected out of hand by the Arabs and hence never implemented. BBC world Service listeners heard nothing of that history – or the Arab attacks which followed that UN vote – but they did hear the ‘non-political’ museum’s Syrian-born head curator promote the falsehood that a country “called Palestine” used to exist.


German Cardinal: Antisemitism is an attack on us all
A prominent German cardinal of the Catholic Church has pledged that Jews and Christians will stand together in the fight against rising antisemitism in the country.

Cardinal Reinhard Marx, who is chairman of the German Bishops’ Conference and serves as the archbishop of Munich and Freising, said on Sunday night that “Christians and Jews will never separate again,” in the face of new antisemitism.

He made the comments during a panel discussion on antisemitism at the Catholic Academy in Berlin hosted by the German Bishops’ Conference and the Orthodox Rabbinical Conference of Germany.

Among prominent figures who attended were Katharina von Schnurbein, the European Commission coordinator on combating antisemitism; Armin Laschet, prime minister of North Rhine-Westphalia; and Josef Schuster, head of the Central Council of Jews in Germany.

A statement released by the German Bishops’ Conference quoted Marx as calling for stronger social commitment and better cohesion in society “in the face of resurgent antisemitism in Germany and Europe.”

He stressed that he was “very worried” about the direction society is heading because there are “more and more blogs and ideologies from people that cannot be taught, who indulge in conspiracy theories and soon unite as a sounding board for... slogans of antisemitism.”
Outrage in Germany over neo-Nazis’ political ‘kill list’
German Chancellor Angela Merkel’s government on Monday strongly condemned death threats against two leading Green party politicians by a neo-Nazi group, as concern mounts over a rise in right-wing extremism.

Greens lawmaker Cem Ozdemir, who has Turkish roots, revealed at the weekend that police were investigating an email he had received from a neo-Nazi group saying he was at the top of their kill list.

“We are currently planning how and when to execute you. At the next rally? Or will we get you outside your home?” the email read, according to the Funke newspaper group.

Fellow Greens MP Claudia Roth received a message saying she was second in line to be killed.

Both emails were sent on October 27 and signed with “Nuclear Weapons Division Germany” (AWD), apparently a German offshoot of a notorious US-based neo-Nazi group.

“The German government clearly condemns any kind of threats or violence against politicians,” Merkel’s spokeswoman Ulrike Demmer told reporters.

“We cannot and will not accept these attacks on our free democratic system,” she said, vowing to use the full force of the law against the perpetrators.
White supremacist charged with planning to blow up Colorado synagogue
US authorities have arrested a known white supremacist on suspicion that he planned to blow up a synagogue in Colorado, local media reported Monday.

The suspect, named as Richard Holzer, 27, reportedly met an undercover FBI agent on Friday at a motel with explosives that he allegedly intended to use to attack Temple Emanuel in the city of Pueblo.

Holzer told an undercover FBI agent that he had previously been a member of the Ku Klux Klan, and had become a skinhead, according to the Denver Post.

Holzer said he was preparing a “holy war” and claimed to have poisoned the water at the synagogue with arsenic and was planning to do so again, The Denver Post reported, citing an affidavit filed on Saturday at the US District Court in Colorado.

According to the affidavit, when asked what if people were in the building when the bomb exploded, “Holzer stated that he did not think anyone would be there, but that if they were, Holzer would not care because they would be Jews.”
Men dressed as Jews hand out Holocaust denial fliers at Colorado mall
A group of men wearing large white yarmulkes and fringed prayer shawls handed out fliers promoting Holocaust denial and hung up cards bearing anti-Semitic canards on a pedestrian mall in Boulder, Colorado.

The fliers handed out at Boulder’s Pearl Street Mall by the men who appeared to be posing as Jews claimed the Holocaust was “impossible.”

The men also hung notes on index cards around the mall that claimed “Academia is dominated by Marxist Jews,” Jews run the porn industry,” and “Jews ran the Atlantic slave trade,” the Daily Camera newspaper reported.

The men livestreamed their actions, according to the report.

As of Sunday morning, no reports were filed with police about the fliers, Boulder police told the newspaper.


City of Poway, CA, set to rename street after Chabad shooting victim
The city council in Poway, Calif., will consider a proposal on Nov. 5 to change the name of a short street in memory of Lori Lynn Gilbert-Kaye, the only fatality in the shooting earlier this year at Chabad of Poway.

Under the proposal, Eva Drive would become Lori Lynn Lane. It is located near where the 60-year-old congregant lived with her husband, Dr. Howard Kaye, about a mile from the synagogue.

Poway Mayor Steve Vaus said that people associated with Chabad approached the city to propose the street-name change.

“They did all the groundwork, and our team got the obstacles out of the way,” he said. “It should have unanimous and enthusiastic support.”

Three people, including senior Rabbi Yisroel Goldstein, were wounded on April 27 when lone gunman John Earnest shot at worshippers during Shabbat-morning services.

Earnest has pleaded not guilty to state and federal charges, including 113 federal hate crime-related counts.
Karish natural gas field off Israel’s shore found to be much bigger than thought
Energean Oil and Gas plc, a Greek gas producer focused on the Mediterranean, said Monday that its appraisal of the Karish North discovery offshore Israel has revealed 0.9 trillion cubic feet (tcf) of recoverable natural gas resources plus 34 million barrels of light oil or condensate.

The appraisal “significantly” increases the resource volumes discovered by Energean at the Karish and Tanin leases off Israel’s shore, the statement said.

The firm had already discovered 2.4 tcf of natural gas at the Karish and Tanin fields, along with 33 million barrels of light oil. Energean has already signed accords to sell 4.7 billion cubic meters a year of the fuel to Israeli customers.

Light crude oil is a liquid petroleum that has a low density and low viscosity than heavy crude oil. Natural gas condensate is a mixture of hydrocarbon liquids that are present in the raw natural gas produced at gas fields.

Israel, a nation traditionally starved of natural resources, believes the discovery of natural gas reserved off its shores in the Mediterranean will lead it to energy independence and make it an exporter of gas. The Karish and Tanin natural gas fields sit alongside the larger Tamar and Leviathan deposits in Israel’s economic waters in the Mediterranean.
Israel-Egypt gas pipeline deal expected in coming days
A deal that would transfer control of a natural gas pipeline between Israel and Egypt is expected to be closed in the next few days, the companies said on Sunday.

Texas-based Noble Energy (NBL.N), Israel’s Delek Drilling (DEDRp.TA) and Egyptian East Gas Co have partnered in a venture called EMED, which last year agreed to buy a 39% stake in the subsea EMG pipeline for $518 million that will carry Israeli gas exports to Egypt.

In a regulatory filing in Tel Aviv, Delek said the shares have already been transferred to the buyers while the funds are currently being held in a trust. It noted that no closing conditions remained.

“Upon the transfer of the full amount of the consideration to the sellers, which is expected to be performed in the coming days, the EMG transaction will be closed in practice,” Delek said.

Partners in Israel’s Leviathan and Tamar offshore gas fields had agreed to sell $15 billion worth of gas to a customer in Egypt — Dolphinus Holdings — but last month the deal was amended to boost supply by 34% to about 85 billion cubic meters, or an estimated $20 billion.
Elbit Systems Lands 5-Year, $50 Million Portuguese Defense Ministry Contract
Israeli defense contractor Elbit Systems announced over the weekend that it has been awarded a $50 million contract to supply the Portuguese Air Force with a complete electronic warfare suite and customer logistics support for the new KC-390 multi-mission aircraft. The contract is to be completed over a five-year period.

Under the contract, Elbit will supply the Portuguese Air Force’s KC-390s with Radar and Laser Warning Systems, an IR Missile Warning System, Countermeasures Dispensing System, a Directional IR Countermeasures system and Active ECM (AECM) POD system.

“The Portuguese Air Force is a long-standing strategic partner of Elbit Systems and we are proud of this contract award to provide enhanced survivability for their new fleet of KC-390 aircraft,” said Edgar Maimon, executive vice president and general manager of Elbit Systems’ Electronic Warfare and Signals Intelligence Unit.

Last week, Elbit announced that it had been selected by the Swiss Federal Department of Defense, Civil Protection and Sport to provide the Swiss Armed Forces with an army-wide tactical Software Defined Radio (SDR) solution under the Telecommunications Armed Forces (TK A) program.
Ray Charles in Israel
“I had always heard that I was popular in Israel, but I didn’t get over there until the early seventies,” the soul genius Ray Charles recalled. “Some people asked me to do a documentary. I liked the idea. I’d never done anything like that before. The film people knew I wasn’t a scholar or a theologian, but they had heard that I had a decent working knowledge of the Bible. They had also heard that the Israelis liked me, and they hoped the two things would blend.”

Ray Charles, accompanied by his five backup singers, the Raelettes, arrived in Israel in early December 1972. In the first two weeks of that month they performed at five wildly successful concerts. Israeli fans of the “Genius of Soul” thronged the concert halls of Jerusalem, Tel Aviv, and Haifa. Fans cheered the musicians in the streets and the press gave their concert tour wide coverage.

The musicians spent two weeks performing and touring in the country. It was, Charles remembered, an opportunity to “look around and learn. … It was all so old, so incredibly old, that I couldn’t help but shake my head in wonder. I could smell history in the streets.”

By the early 1970s, Ray Charles and the Raelettes had given concerts all over the world. In Japan, they had encountered particularly enthusiastic audiences. But in terms of enthusiasm none of these concerts prepared Charles and his ensemble for the reception they received in Israel.

That many Israelis liked Ray Charles and his music was an understatement. I was living in Jerusalem at the time and I remember vividly the excitement that his visit generated. I also remember that by the time I made it to the concert hall box office the two Jerusalem shows were completely sold out. I never got to hear him on that tour, but news of it was in all of the Israel newspapers. It seemed that by missing that concert I had missed more than the music.

The riveting story of the Jerusalem concert is best told by the genius himself: In his autobiography, Brother Ray, (co-written with David Ritz) Charles wrote that, “In thirty years on the road, I had never experienced anything like this. We were supposed to do two shows, but the first one had the crowd so crazy and happy that they wouldn’t leave. The second crowd was due any minute, but the first crowd wasn’t about to move.”


The Jewish roots of French icon Asterix the Gaul
The iconic adventures of Asterix the Gaul may be most famous in the French-speaking world, but their inspiration is decidedly Jewish.

One of the most famous characters in French comics, and considered by many to be a French national hero, the adventures of Asterix and his sidekick Obelix are popular all over the world. The comics were translated to over 100 languages, including Latin, Welsh and Hebrew. It has inspired 10 movies, the most recent one the 2018 Asterix: The Secret of the Magic Potion.

But could Asterix be Jewish? While the answer is obviously no – Asterix is literally a Gaul, after all – Ateret Yerushalayim rosh yeshiva Rabbi Shlomo Aviner argues that the Jewish inspiration is clearly there.

It is important to note that the original writer behind Asterix, René Goscinny, was undoubtedly Jewish, having been born in Paris in 1926 to two Jewish immigrants from Poland. His father accepted a job in Argentina after he was born, unknowingly ensuring their family won't be harmed by the Nazi occupation of France, to which he returned in 1946.

Speaking in an interview reported by Srugim, Rabbi Aviner, who is French himself – after mentioning that this isn't as important as studying Rashi, a medieval Jewish scholar who was also French – reaffirmed Goscinny's Jewishness.

"His father was born in Warsaw, and his grandfather was a rabbi," he explained. "His Jewish identity was strong."
Jewish astronaut snaps space pics of Israel, salutes late father
Jewish astronaut Jessica Meir, who made history last month as one half of the first all-female spacewalking team, on Friday posted pictures of Israel snapped from space with a caption saying the country was part of her father’s journey.

“My father’s globe spanning journey as a surgeon from the Middle East, to Europe, and eventually to the U.S. was an inspiration to many in my immediate and extended family. #TheJourney,” Meir wrote.

Meir’s late father was born in 1925 in Baghdad, and in 1931 the whole family left Iraq as a result of anti-Semitism and settled in pre-state Israel.

He was in medical school at the American University of Beirut when the 1948 War of Independence broke out and returned to Israel, where he drove an ambulance during the war. He then went to Geneva to finish medical school before taking a job in Sweden, where he met Meir’s mother, a nurse who was raised in a Christian Swedish family.

Her parents then moved to the US.




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SA: 16 000 jobs created   

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More than 16 000 direct jobs have been created to date since the government announced last year its intention to mobilise more than R1,2 trillion in new investments over the next five years, said President Cyril Ramaphosa on Tuesday. Speaking at the launch of the Tshwane Automotive Special Economic Zone (SEZ) in Silverton in Pretoria, […]

          

Assistant Manager Operational Risk & Compliance | Wells Fargo   

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Bangalore, India, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel

          

APAC Business Control - Operational Risk Team Leader | Wells Fargo   

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, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel

          

APAC Operational Risk Business Oversight Team Lead (WF Commercial Capital) | Wells Fargo   

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, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel

          

APAC Operational Risk Business Oversight Team Lead/ Consultant (Enterprise Functions) | Wells Fargo   

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, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel

          

Vice President, Operational Risk Business Oversight (Vendors/ Dealers Financing) | Wells Fargo   

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Toronto, Canada, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel

          

Corporate - Technology Operational Risk Management – Technology Engineer - Associate | J.P.Morgan   

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Jersey City, New Jersey, JPMorgan Chase is a leading global financialservices firm with assets of $2.5 trillion and operations in more than 60countries. The firm is a leader in investment banking, commercialbanking, financia

          

APAC Operational Risk Business Oversight - Transformation, Analytics, and Governance Team Lead | Wells Fargo   

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Singapore, Singapore, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel

          

CIB F&BM - Control Management - Central Control and Operational Risk Control Manager - Associate / Vice President | J.P.Morgan   

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, JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $2.5 trillion and operations worldwide. The firm is a leader in investment banking, financial services for

          

APAC Operational Risk Business Oversight Team Lead (CIB, MMB, WIM, PVSI) | Wells Fargo   

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, Wells Fargo & Company (NYSE: WFC) is a leading global financial services company with $2.0 trillion in assets and offices in over 37 countries. Founded in 1852 and headquartered in San Francisco, Wel

          

Corporate - Technology Operational Risk Management – Technology Engineer – CIB Merchant Services - VP | J.P.Morgan   

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Jersey City, New Jersey, JPMorgan Chase is a leading global financialservices firm with assets of $2.5 trillion and operations in more than 60countries. The firm is a leader in investment banking, commercialbanking, financia

          

Pension Bailouts Could Raise the National Debt by $7 Trillion   

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On Oct. 31, the national debt hit $23 trillion. That’s equivalent to a credit card bill of $178,000 for every household in America. This marks... Read More

The post Pension Bailouts Could Raise the National Debt by $7 Trillion appeared first on The Daily Signal.


          

The U.S. Debt Breaches $23 Trillion For The First Time In History – More Than 7 Times Of China’s Foreign Reserves   

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Admiral Michael Mullen, former chairman of the Joint Chiefs of Staff, once said – “The most significant threat to our national security is our debt. He commented that back in 2010, when the federal debt totalled US$13 trillion. Nine years later today, Donald Trump has taken over from Barack Obama. But the debt continues its […]

          

Our food system is broken. Here’s how we fix it   

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Transforming how we use land represents a $4.5 trillion per year business opportunity, we must now find the political courage to act

The post Our food system is broken. Here’s how we fix it appeared first on Climate Home News.


          

UK Player Prepares to Frack in Poland   

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Gemini Resources is targeting up to 1.6 trillion ft3 of tight gas.

          

"The removal of Trump from office would not threaten corporate power. It would not restore civil..."   

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“The removal of Trump from office would not threaten corporate power. It would not restore civil liberties, including our right to privacy and due process. It would not demilitarize the police or champion the rights of the working class. It would not impede the profits of the fossil fuel and banking industries. It would not address the climate emergency. It would not disrupt the warrantless surveillance of the public. It would not end extraordinary renditions, the kidnapping of those around the globe considered to be enemies of the state. It would not halt the assassinations by militarized drones. It would not halt the separation of children from their parents and the warehousing of these children in filthy, overcrowded conditions. It would not remedy the consolidation of wealth and power by the oligarchs and the further impoverishment of the citizenry. The expansion of our prison system and of black sites throughout the world, sites where we torture, would continue, as would the gunning down of poor, unarmed citizens in urban wastelands. Most importantly, the catastrophic foreign wars that have resulted in a series of failed states and wasted trillions of taxpayer dollars, would remain sacrosanct, enthusiastically embraced by the leaders of the two ruling parties, puppets of the deep state.”

- Chris Hedges

          

Huobi Global   

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Did He Say 21 Trillion Dollars?   

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Ignoring the federal debt.

I notice that the federal deficit for fiscal 2019, ended September 30, hit nearly one trillion dollars. The deficit has doubled since its post-recession low in fiscal 2015, though the economy is running flat-out.

None of the would-be Democratic nominees is making an issue of this. Clearly Donald Trump is vulnerable. He cares nothing for fiscal prudence. As a businessman, he was a bankrupt; as the standard-bearer of the Republican Party he aims to “Make America Great,” and do it with borrowed funds. The Republicans once cared about deficits and the national debt, but really it was a long time ago. For years afterward, they talked as if they cared, but it was talk only. Now they don’t even talk. That would be disloyal.

Democrats occasionally would remind Republicans that the last budget surpluses were under Bill Clinton. This was true, but it was not important, and clearly it was never going to happen again.

Clearly Donald Trump is vulnerable. He cares nothing for fiscal prudence.

For a moment it sounded as if there might be one voice in 2020 for fiscal rectitude. Billionaire Howard Schultz, the former chairman of Starbucks, longtime Democrat and contributor to Hillary Clinton, created a stir back in January by floating the idea of running for president as an independent. His signature issue was the deficit, the debt, and the public credit — businessmen’s issues, to be sure, but important ones. That the federal debt had risen to $21 trillion, he said, represented “a reckless and immoral abandonment of leadership” by both parties. He was absolutely right. He was also for reform of the immigration law and the federal tax code, which he said had been held up by the hyper-partisanship in Congress. He was right about that, too.

Speaking January 30 on MSNBC, Schultz said he was no longer a Democrat, because, he said, “I do not believe what the Democratic Party stands for” — namely, a federal takeover of health insurance, free college for all, and a job for everyone, guaranteed by the government. All these things, he said, would cost trillions the federal government didn’t have, but if you didn’t swallow these proposals anyway, you could not be a Democrat.

“I don’t believe what Elizabeth Warren stands for,” he said. “I don’t believe the country should be heading toward socialism.”

“You think Elizabeth Warren is a socialist?” a panelist asked.

ll these things would cost trillions the federal government didn’t have, but if you didn’t swallow these proposals anyway, you could not be a Democrat.

“I think she believes in programs that will lead to a level of socialism in America,” Schultz replied.

The TV people got on Schultz’s case for being a rich guy. Schultz did not apologize.

“I’m self-made,” he said. “I grew up in the projects in New York. Elizabeth Warren wants to criticize me for being successful. No. It’s wrong.”

The Democrats in Shultz’s hometown, Seattle, told each other that Schultz was a “corporate candidate” who didn’t believe in anything. It was not true; he just didn’t believe what they did. In any case Schultz was persuaded not to run, and by now he is entirely forgotten. So, apparently, is his central issue, the federal government’s uncontrolled spending and borrowing.

I’m sad about that. Probably I would have voted for him.


          

SoftBank stock falls after terrible earnings report   

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Shares in SoftBank fell as much as 4% in Tokyo on Thursday after the company reported worse than expected losses for the third quarter.

Japan's broader Nikkei was mostly flat in afternoon trade. South Korea's Kospi Index declined 0.1%.

Hong Kong's Hang Seng Index edged down 0.4%, while China's Shanghai Composite fell 0.2%.

SoftBank reported operating losses of $6.5 billion after market close on Wednesday, weighed down by a massive hit to its tech fund. The Vision Fund has been hit by big losses in portfolio companies such as Uber and WeWork.

The stock recovered some of its losses by mid-morning Thursday and was last trading down about 2.5%.

SoftBank founder and CEO Masayoshi Son admitted he turned a "blind eye" to governance problems at WeWork, and said he learned a "harsh lesson" from the office sharing company's botched IPO attempt.

Bernstein analyst Chris Lane said in a research note Wednesday that Son's rescue package of WeWork "will vastly improve the return profile." He predicts that with better corporate governance and cost controls, WeWork "will turn cash flow positive in [about] 18 months."

Toyota, meanwhile, rose 0.9% in Tokyo after the company reported strong profits. The carmaker reported net profit of 1.27 trillion yen ($11.7 billion) for the first half of the year, a 2.6% increase over the same period last year.

In Hong Kong, shares in Hong Kong Exchanges and Clearing fell 0.5%.

The company, which operates the Hong Kong Stock Exchange, reported net profits of 2.2 billion Hong Kong dollars ($280 million) for the third quarter, slightly lower than market expectations. The exchange abandoned a bold, $37 billion bid to buy London's Stock Exchange last month.

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