Philadelphia Law Suit Against Wells Fargo& Co.

Karl Heideck says the law suit filed by the Philadelphia City against Wells Fargo & Co. alleges that the bank breached the 1968 Fair Housing Act. This breach was brought about by checking upon mortgage borrowers through rapacious lending services. The company claims that the lawsuit is uncorroborated and that their services are fair. This suit was filed on 15th May in a District Court in the United States of America, the Eastern District of Pennsylvania.

The City alleges that the Bank is steering Hispanic and black borrowers to more risky loans with high return rates. This is despite them qualifying for credit with less interest and low risks. The City also claims that the bank is making it difficult for refinancing of mortgages afterward by the borrowers. Another claim by the city is that the bank it forces its customers to pay much more percentage into foreclosure than that which was situated by white borrowers. The City had done a vigorous investigation of these claims by looking at data records before presenting it to court.

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From the data record, it was determined that black borrowers while twice likely to be handed loans with high-interest rates as compared to the whites. The Hispanics would be 1.7 times likely to be given riskier mortgage loans in comparison to the whites. The City alleges that such actions have led to the impairment of the minority community. This is because of a high number of reclosure thus reducing the ability of the community to borrow loans.

Karl Heideck is a city attorney, a risk management officer and compliance. As a Contract Attorney, from 2015 he has worked at Grant & Eisenhower, PA. He has reviewed several materials discovered and reviewed for bank litigation and securities fraud. He has focused on matters relating to risk management, transactions, liquidity positions, and acquisition. Karl Heideck has consistently improved reviewed protocol by participating in conferences with co-counsel on verifications of such.

He holds a Bachelor of Arts in English Language and Literature and Law from Temple University (James E. Beasley School of Law). He was an associate at Conrad O’Brien. He represented individuals customers and corporate in sophisticated and commercial litigation. These services included SEC receivership, banking, and government investigations, toxic tort defense and white collar criminal investigation. He has done a research and wrote analytical memoranda. He has also drafted and filled professional correspondence and pleadings. Apart from participation in settlement negotiations, he has trailed satisfactory ruling.

Fabletics Competes Successfully With Amazon and Other Retailers

Fabletics in an online company that has some retail stores for customers that still like to shop in a real store. They sell leisurewear and active wear for women. It was co-founded by actress Kate Hudson with the goal of offering women great products at a reasonable price. They offer a subscription service to sell products to their customers.

 

Their unique marketing strategy is paying off as they have opened more physical stores in the last few years. They have added more physical stores in addition the sixteen that have opened in Hawaii, Illinois, Florida, and California. Their membership offers great fashion at half the price of the competitors.

 

They know their customers from their extensive market research. With their physical store they allow reverse show rooming. This is a technique where people browse their products offline. This technique sometimes leads to customers buying products elsewhere. The company has turned browsing into a positive customer experience. Avoiding the pop up store has helped them know their customers and build solid relationship.

 

About 30 to 50% of customers that walk into a store are already customers online. Many become members after they visit a store. When they try on a piece of clothing it goes into their online shopping cart. Fabletics doesn’t care if customers buy online or in the store. When the data they collect about customers they learn the items that customers like and don’t . The store will only stock the products that customers buy.

 

Physical stores are stocked with customer preferences, store heat mapping data and real time sales activity. They try to combine global fashion trends with user shopping trends. Their growth factor is because they have great leisurewear at reasonable prices. The company is in 10 countries. Fabletics puts the customer experience at center of their marketing strategies.

 

Kate Hudson of Fabletics say her success is based on identifying market opportunities. They design active wear for all shapes and sizes that women come in. They even created designs for larger women that wear plus sizes. As America struggled with health Kate Hudson wanted to create comfortable and enjoyable active wear.

 

Kate looks at sales number every week and know what’s selling. When products don’t sell she removes them. She makes videos and is involved in marketing. She uses big data, believes in herself and takes risks to keep the company successful.

Betsy DeVos Takes Center Stage with Education Reform

Betsy Devos is turning a page in education reform, and I think that people are going to rally behind what she is doing. Betsy DeVos is definitely someone that is in the right place at the right time.

I certainly believe that Betsy DeVos has a valid point when she says that there is a need for education reform. If anyone should know she should know because she has been working on this for decades. She has been donating money to the education system in Michigan and beyond with her husband. This couple has even started a foundation.

All of the hard work that they have put into building up the Dick and Betsy DeVos Foundation is a clear sign to me that they have a concern in building a better education system. I certainly do think that more people are going to be interested in charter schools and hearing what Betsy has to say as the Secretary of Education when they check her track record. It is inevitable that they will see just how much she makes a difference when it comes to a better education system. I don’t think that there is anyone that will doubt that she is concerned about a better education for children. I think her background and her faith has given her this conviction to make sure that the education system better. She grew up with a father that was wealthy and she was ushered into a life of privilege with the type of education she received. When she married her husband was also someone that was a person that received a private school education because of his wealth. I think that both of these people believe that the education system should be reformed to provide a better education for those that cannot afford it. This is what Betsy DeVos has dedicated her life to, and now that she is Secretary of Education. Follow Betsy DeVos on twitter.com

I believe the other people will get a chance to have a better education system thanks to Betsy and all that she plans to do in the future.

I wish that someone like Betsy DeVos would have entered the education system a long time ago. I definitely think that education would be in a much better place if she was in charge years ago. The reform is needed largely because there has been a slow move with charter schools. This is what Betsy DeVos believes in, and I think that people owe her the opportunity to express herself and shed some light on what the charter school system can do. People have been waiting to see a change, and I certainly do believe that Betsy DeVos is going to bring one. Visit dbdvfoundation.org to know more about their foundation.

Rick Shinto and the Top Leadership at InnovaCare Health

InnovaCare Health deals in provider networks and Medicaid programs and Medicare advantage in North America. As a leading provider of managed health services, the firm provides access to affordable, quality healthcare using sustainable and cost-effective models. The company has fully integrated advanced technologies into service provision setting it apart from the other managed health services providers. In 2016, InnovaCare Health announced that it was participating in LAN, a public-private partnership aimed at moving the US health system towards quality-based health models.

At InnovaCare Health, patients come first, and they are guaranteed quality medical care. As such, the firm focuses on strong patient-provider relationships which are greatly emphasized by the firm’s top management. CEO Rick Shinto together with his entire team is driving the growth of the firm using teamwork and qualified professionals. Shinto’s team spirit has endeared him to both clients and colleagues.

Rick Shinto’s Work Experience

CEO and President Rick Shinto of InnovaCare Health Inc. joined the firm from Aveta Inc. where he also served as the CEO and president. He had previously served on the management team of Aveta Inc. Dr. Shinto began his medical career in Southern California as an internist and pulmonologist. He has also served as the CMO of NAMM California and as the CMO and COO of Medical Pathways Management Company. Between 1996 to 1997, he served as the corporate vice president (medical management) for MedPartners before leaving to Cal Optima Health Plan in Orange County, California where he was the CMO. Due to his commitment to service and innovation in the healthcare industry, Dr. Shinto received the Ernst & Young Entrepreneur of the Year Award. At the yearly “A Tribute to Caring” gala, he was also awarded the Access to Caring Award at Western University of Health Sciences.’

Addition to Leadership Team

In 2016, InnovaCare Health added three executives to the firm’s leadership team. These include Chief Actuary Officer Jonathan Meyers, Chief Accounting Officer Mike Sortino, and Chief Administrative Officer Penelope Kokkinides.

View: http://www.manta.com/c/mmnthrl/innovacare-services-company-llc

Penelope Kokkinides recently rejoined Dr. Shinto at InnovaCare Health as the Chief Administrative Office. She had previously served as the COO at InnovaCare Health and COO and vice president of clinical operations at Aveta Inc. Her work in the health industry has also seen her serve as a COO and executive vice president at Centerlight HealthCare. Her work exploits also took her to Care Management and Disease Management at AmeriChoice where she was the corporate vice president. Visit danielestraus.org to know more about Innova Care.

Julie Zuckerberg Tops in Executive Recruitment

Recruitment is a critical part of the employment system. For most organizations, finding the right talent for the job is a challenging task that requires a recruiter. While most organizations seek the services of a recruiter with the aim of landing the best talent, other agencies seek the same services to save time while employing in addition to finding a qualified person. The roles of a recruiter encompass talent acquisition, salary negotiation, discipline implementation and the orientation of workers. A good recruiter has vast knowledge and skills concerning the client. An excellent recruiter must understand the terms and conditions of the employer. An astute recruiter is equipped with administrative skills that combine a clear understanding of who the client wants and what the job entails. Nobody matches the stated description like Julie Zuckerberg.

 

History

 

Julie Zuckerberg is defined as a charismatic career executive who advanced her career with the aim of helping organizations when it comes to talent acquisition. Julie Zuckerberg has set a strong pace in the recruitment industry by selecting top talent to fit into the executive positions. Julie has paved the way in the recruitment industry. She is among the world’s best recruiters. In a male-dominated industry, Julie has managed to poach high ranking clients as the primary recruiter of chief executive officers and line managers. Her roles in all organizations vary from admitting the employees through interviews to negotiating salaries. She has amassed extensive knowledge in recruitment.

 

Career

 

Julie Zuckerberg is a dedicated recruiter who offers the best talent in all the industries she has been in charge of. Presently, she is a team leader at Deutsche Bank. Her roles revolve around managing the team that she handpicked. She is also responsible for all recruitment processes at the bank. Additionally, Julie Zuckerberg oversees the company’s negotiations as well as managerial duties. Apart from offering sound advice concerning employment and salaries, Julie is in charge of the administrative committee. She assists the board members in overseeing the strategies. Aside from providing advisory services, Julie helps the company by initiating training programs for employees. She is equipped with the right knowledge as well as skills to facilitate educative courses that can assist the employees with advancing their career.

 

Experience

 

Throughout Julie’s career, she has rubbed shoulders with top ranking companies and businesses that she has helped with recruitment and placement. She has a team of renowned recruiters who have perfected the art of talent acquisition traditionally known as head hunting. She has recruited for small businesses, large enterprises, and multinational corporations thanks to the team she nurtured. By working with many companies, she has developed an excellent job relationship that has contributed to her career growth. While developing business relationships, she met many talented career executives who taught her new talent acquisition skills that she used on new clients. From recruiting for advertising companies to technology, Julie has had the chance to experience recruitment in various fields. She prides herself on being a lead talent developer in the industry. In New York City, Julie has worked for several companies as a head hunter.

 

Oncotarget: Targeting One Culprit at a Time

In November of 2016, an article was published to Oncotarget about E-Cigarettes and the damage they cause to gums. This was the first-ever study conducted by Irfan Rahman, Ph.D, of Environmental Medicine; A Professor at the University of Rochester School of Medicine and Dentistry.

In recent years, E-cigarettes have increased in popularity with the impression that they are a “healthier alternative” to conventional cigarettes. The notion is that the vapors burned from an e-cigarette do not cause the same kind of harm that is caused by conventional cigarette smoke. However, this recent study has shown that the vapors burned from e-cigarettes aggravate cells in our gums by releasing inflammatory proteins. The damage from those aggravated cells can, in turn, lead to different oral diseases.

Learn more: https://scholar.google.com/citations?user=REO9YogAAAAJ&hl=en

Depending on how much and how often a person smokes, determines the damage that may come with the use of e-cigarettes. Another culprit researchers found was that with the addition of flavorings to e-cigarettes, damage to cells may turn out to be even worse. E-cigarettes, like conventional cigarettes, also contain nicotine; nicotine is a major contributing factor of gum disease. Rahman states that more research needs to be done when it comes to the effects of e-cigarettes and would like manufacturers to disclose the chemicals used. His goal is for the consumer to be more informed about what they are inhaling and putting into their bodies.

Started in 2010, Oncotarget is a medical journal which covers research about oncology. It is published on a weekly basis by Impact Journals and aims to inform and educate everyone wanting to know more about medicine. Follow Oncotarget journal on Twitter.

The Success Story of Roberto Santiago

Roberto Santiago is known for being a writer of the literature of youths and children, screenwriting the televising spaces. He was born in the year 1968 and is currently serving as a reference in the situation of Paraiba. The reasons behind him taking over the role lies in the abundant, updated well-structured initiatives. The best scenario for a region is benefiting from references in both investment and diversion.

Manaira Shopping is among the prosperities of Paraiba. It was launched in the year 1989 in Paraiba. At the moment it has passed through different extensions from the time it was constructed. The location is among the leading shopping bases in Joao Pessoa. This is among other various activities offered. This is expressly in consideration of leisure, fun as well as entertainment. According to Santiago’s views in line with other initiatives. An instance can be seen in the one that was launched I the year 2014. The impact is that the Northeast isn’t remembered anymore and quoted particularly in the cases of beautiful beaches having a fabulous sundown.

Learn more: http://selectaclub.jornaldaparaiba.com.br/novidades/confraternizacao-do-manaira-shopping/

The establishment of the Manaira was done at the mid of the beaches of the north coast city of João Pessoa and the center. It possesses 280 stores as well as 75,000 square meters of the Gross Lettable Area (ABL). Adaptability is, therefore, the one that often outlooks the larger percentage of the shopping. The plan was done Robert Santiago with the objective of availing the satisfaction to the customers for the entire family.

It is worth visiting Manaira whenever have no desire of going to the movies. The reason is that it contains eleven rooms furnished with updated display devices. It includes 3d rooms, VIP rooms as well as the Stadium System. They are organized like they were bleachers intended to facilitate visibility. It is also efficient for bowling since the slopes are electronic and up to date.

Roberto Santiago Manaira Shopping also provides satisfaction to the fans of electronic gaming. It contains over 200 of them containing different styles matching different kinds of tastes as well as ages. It also provides various options such as food court, restaurants, and hamburgers. Espaco Gournet provides the most stylish Chefs of the kitchen Paraibana. It also contains the branches of universities in the place as well as a house of shows. It was for this reason that Robert Santiago together with the visionary leaders nationally was assessing the different choices in one locality, as well as the adaptability and sensibleness increasing positivity in today’s daily life which is so widespread and unrestrained.

In addition to the entire technology as well as the present-day, laser reference, entertainment as well as the one in the city, Manaira Shopping, as well as the Mangabeira, structured some years after. The buildings in the environs of the Shopping have great poses great appreciation and the coverage. Different firms started developing the interest in the neighborhood of Manaira as well as the João Pessoa city, thus providing more choices to the residents. Read more on clickpb.com.

Kim Dao Shares What She Likes Best About Australia

Kim Dao enjoys taking Yuki to the dog park to mix with other dogs. Kim Dao and the other dog owners have become friends, and she misses them when she is in Japan. Kim Dao’s boyfriend lives and works in Australia. Although it as her idea to move to Japan and try it out for a little while, Kim Dao does miss Eric when she is in Japan. When Kim Dao moves back to  Australia, she wants to move in with Eric to take their relationship to the next step. Kim Dao moved to Japan because she wanted to know what it was like to live there (http://kimdao.net/about-me/). Kim Dao has gotten that out of her system and wants to come back to Austraila’s very easy going lifestyle. She wants to come back next year when her apartment renovating is completed.Learn more : https://www.crunchbase.com/person/kim-dao

 

Kim Dao believes that it is easier to drive in Australia than Japan because the roads in Japan are narrower. She is a afraid she will scrape a side wall when she drives. Kim Dao enjoyed her driving experience in Japan because she believes if she can drive in Tokyo, she can drive any place in the world. Kim Dao’s parents live in Australia, and she will be able to see them more often.Learn more : https://ideamensch.com/kim-dao/

Cassio Audi Helped Inform The Early Musical Direction Of Viper

The Brazilian heavy metal band, Viper, have remained one of the most respected and important in the history of this musical genre in South America, which rose to prominence amid the move to freedom and democracy across the continent in the 1970s and 80. Viper are still a touring bank in South America, but the lineup has changed many times and it is often easy to forget the contributions made to a band of this magnitude by those who assisted in taking the first steps in the music industry; one of the most important early members of Viper is Cassio Audi, the original drummer for the band as they made their way to early success.

Cassio Audi joined Viper in 1985 and joined with his fellow original members to develop a heavy metal sound that is easy to see was influenced by the British heavy metal scene of the late 1970s and early 1980s. Audi and his fellow early Viper members have always spoken of their influences, including the British heavy metal band, Iron Maiden, who influenced both the sound and lyrics of Viper in their early days.

In the first days of the band, Cassio Audi played a key role in completing the early demo’s created by the band, which along with their live shows allowed them to attract the attention of record labels and led to the band completing their first album. The “Soldiers of Sunrise” album was the only professional release Cassio Audi played on before he returned to education and began a career as a financial expert in Brazil; in recent years, Cassio Audi has developed a successful financial career working for many of the top global investment companies and leading a growing client list to success in their investment options across a difficult time in the Brazilian economy.

George Soros as white hat political activist

George Soros has made a career out of finding an exploding in efficiencies in financial markets. This is a skill that’s very similar to what hackers do with computer systems. The essential ingredient in both pursuits is finding in efficiencies or exploitable opportunities and then taking full advantage of them to one’s own benefit.

Recently, George Soros has undertaken a major campaign to overhaul the entire us criminal justice system from the ground up. The strategy he’s pursuing involves the replacement of hardline conservative law and order candidates with more progressive ones who are dedicated to erasing to disparities that often exist between whites and minorities.

Another one of George Soros’s long-term goals has been the elimination of all laws, practices and procedures that make up the so-called war on drugs. Soros has viewed the war on drugs as one of the prime movers in the incredibly disproportionate incarceration rates seen within the United States. The United States has just 5% of the world’s population yet houses over 25% of the world’s criminal population. Soros has long viewed this is a fundamental injustice, especially in light of the fact that blacks, just 12% of the U.S. population, represent over half of those incarcerated in some state and federal institutions.

Read more: http://www.cnbc.com/george-soros/

One of the ways in which Soros has gone about attempting to bring forth this radical transformation of the U.S. criminal justice system is through replacing local prosecutors with more liberal or progressive-minded individuals. Soros has successfully implemented this strategy from Florida to Colorado, ensuring that major cities in those states now count on the services of a far more progressive-minded prosecutor’s office.

One such case was the upset of incumbent Jeff Ashton in the Orlando County, Florida prosecutorial race in 2016. Ashton was a longtime incumbent, serving in the capacity of county prosecutor for over 10 years. Unfortunately, Ashton had also established a track record of strong law and order policies that ultimately led to highly disproportionate prosecution and conviction of minority offenders. Many of these cases were the result of simple drug possession or other drug charges that did not involve any violent crime at all. Read his profile at Business Insider.

On the other hand, Ashton’s competitor, Aramis Ayala, was running as the first black woman prosecutor in the state of Florida’s history. She ran on a ticket of progressive criminal justice reform, vowing to reduce the disparities between whites and minorities regarding rates of conviction and being charged with crimes. However, Ayala had one major problem. She had essentially no money.

George Soros stepped in through one of his charitable foundations, infusing Ayala’s campaign with over 1.2 million dollars and allowing her to run massive, around-the-clock television ads describing her progressive vision for the Orlando County prosecutor’s office. Soros also provided high level campaign expertise that allowed Ayala to devise an effective strategy to combat her entrenched opponent. Learn more about his profile at Forbes.com.

The plan worked. Ayala defeated Ashton in an upset landslide, becoming the first African American woman prosecutor in the state of Florida.