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Iraq in Chaos….Genocide of our time looms at the hands of ISIS…..US plans to drop aid to refugees…..Pentagon consider airstrikes…..


 

White House won’t commit to stopping looming genocide of Christians, Kurds in Iraq

– The Washington TimesUpdated: 2:27 p.m. on Thursday, August 7, 2014

With tens of thousands of Iraqi Christians and ethnic minorities facing potential slaughter by Islamist militants, the White House on Thursday wouldn’t say how — or even if — it will take further action to prevent bloodshed.

Pressed on whether it’s in America’s core interest to stop the looming genocide of tens of thousands of Yazidis trapped on a mountain in northern Iraq and surrounded by armed members of the terrorist group the Islamic State of Iraq and the Levant (ISIL), White House press secretary Josh Earnest said President Obama still is weighing the situation.

The careful posturing by the administration came on a day of biting criticism from an influential House Republican, who hammered Mr. Obama for failing to follow through on a past promise to strengthen Washington’s ability to prevent genocide around the world.

In a letter to the president Thursday, Rep. Frank Wolfe of Virginia accused the administration of ignoring genocidal atrocities now taking place against both Iraqi Christians and Yazidis — an ethno-religious sect, whose traditions encompass a range of Islamic and ancient Persian beliefs.

Mr. Wolfe reminded Mr. Obama of a 2012 speech that the president gave at the U.S. Holocaust Memorial where he had said a newly created “Atrocities Prevention Board” would make the deterrence of genocide and mass atrocities “a core national security interest and core moral responsibility.”

“Tragically, mass atrocities are happening again today — and on your watch,” Mr. Wolfe wrote in the letter. “Genocide is taking place today in northern Iraq, where the Christian and Yezidi populations are being exterminated by the Islamic State of Iraq and Syria (ISIS). There is no question that systematic and targeted brutality is occurring.”

“…The silence from you and your administration is deafening,” the congressman added.

The letter hung in the backdrop of the administration’s daily press briefing on Thursday afternoon, with Mr. Earnest asserting that the question of whether Washington will step in and attempt to stop genocide occurring in the world is something “evaluated on a case by case basis.”

“The question is how the United States can intervene to mitigate that situation. Those kinds of decisions are the decisions that are made on a case-by-case basis,” Mr. Earnest told reporters.

ISIL, the terrorist group which has plunged Iraq back into chaos and left the government in Baghdad struggling to keep the nation from falling apart, increasingly has taken aim at Christians and Yazidis, a Kurdish ethnic religious minority. In recent days, Christian villages have been raided by ISIL militants.

As of Thursday afternoon, tens of thousands of Yazidis remain trapped in the Sinjar Mountain area in northern Iraq without food or water and surrounded by ISIL fighters.

Mr. Earnest called ISIL’s tactics “disgusting” and “barbaric,” but wouldn’t say whether the president is on the verge of intervening militarily, either with air strikes or through other means.

Read more: http://www.washingtontimes.com/news/2014/aug/7/white-house-wont-commit-stopping-looming-genocide-/#ixzz39k0XVVZp
Follow us: @washtimes on Twitter

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Debt Collection Industry faces extinction in wake of new regulations


English: Sign "Office of the Comptroller ...

English: Sign “Office of the Comptroller of the Currency”, Washington, D.C. (Photo credit: Wikipedia)

Office of the Comptroller of the Currency (OCC) has instructed 19 nationally chartered banks that sell 82% of all debt to the debt collection industry or third party debt collectors in a statement on instruction for banks to follow when selling debt to a third party. This OCC instruction has made JP Morgan and Wells Fargo to cease debt sales to third parties on defaulted accounts. What does this mean for the consumer? The actions of a few debt collectors are impacting the entire industry, and the consumers may have suffered from one of the debt collectors who practice a collection outside the law to obtain monies owed from persons whether they were truly responsible for the debt or not. This regulatory move has startled the debt buying industry, and realize that their industry must reform or lose the ability to operate. The following article is the partial statement released from OCC earlier today….

 

 

Debt portfolio transactions should provide accurate and comprehensive information about the debt at the time of sale – For each account, the bank should provide the debt buyer with copies of underlying account documents, and the related account information, as applicable and in compliance with record retention requirements, including the following:

  • A copy of the signed contract or other documents that provide evidence of the relevant consumer’s liability for the debt in question.
  • Copies of all, or the last 12 (whichever is fewer), account statements.
  • All account numbers used by the bank (and, if appropriate, its predecessors) to identify the debt at issue.
  • An itemized account of all amounts claimed to be owed in connection with the debt to be sold, including loan principal, interest, and all fees.
  • The name of the issuing bank and, if appropriate, the store or brand name.
  • The date, source, and amount of the debtor’s last payment and the dates of default and amount owed.
  • Information about all unresolved disputes and fraud claims made by the debtor. Information about collection efforts (both internal and third-party efforts, such as by law firms) made through the date of sale.
  • The debtor’s name, address, and Social Security number.

The OCC also explicitly laid out accounts it feels are not eligible for sale due to the unlikelihood of the accounts being an “ongoing legal debt”:

  • Debt that has been otherwise settled or is in process of settlement.
  • Debt of deceased account holders.
  • Debt of borrowers that have sought or are seeking bankruptcy protection.
  • Debt of account holders currently in litigation with the institution.
  • Debt incurred as a result of fraudulent activity.
  • Accounts lacking clear evidence of ownership.

In addition, banks should refrain from the sale of certain additional types of debt because the sales of these types of accounts may pose greater potential compliance and reputational risk. These include:

  • Accounts eligible for Servicemembers Civil Relief Act protections.
  • Accounts of minors.
  • Accounts in disaster areas.
  • Accounts close to the statute of limitations.

 

Simple Fizzles Again: Outage impacts thousands


Outage blocks access to money for Simple banking customers

Simple_Card.cutout.jpg
Some Simple customers have been without access to their money since last night.

Email the author | Follow on Twitter
on August 06, 2014 at 3:37 PM, updated August 07, 2014 at 10:15 AM

Some clients of Portland online banker Simple Finance Technology Corp. have been without access to their money since Tuesday night, when the company began what it had forecast would be a brief system upgrade.

(Update: As of 11:15 Simple says the disruption is over: “All customers whose cards were seeing declines should be functional now.”)

(Update again: As of 10:13 a.m. Thursday some customers say they’re still having issues, but Simple says they can fix the trouble by resetting their PINs in the Simple app.)

Scheduled downtime due to begin at 11 p.m. Tuesday (Pacific time) and end by 6 a.m. continued through the morning, and some customers reported continued trouble on Wednesday afternoon. Simple is telling some clients service will be offline ’til 10 p.m. Pacific time.

The issue affects “a very, very small subset of customers,” according to Simple spokeswoman Krista Berlincourt. She said Simple was in the process of migrating from one of its service partners to another, and that a minority of customers haven’t completed the transition yet.

With more than 120,000 customers, though, downtime for a small percentage of customers could still affect thousands.

Simple provides online banking services that make it easy for people to manage their money from a smartphone, set savings goals and track what they spend. The company sold earlier this year to the Spanish bank BBVA for $117 million.

The company was slow to bring on customers during its first two years, but the BBVA deal enabled it to ramp up hiring, eliminate its waitlist and boost its client rolls.

Simple targets the Twitter generation, working to reach the most connected people online. On Wednesday, though, that online connection triggered dozens of laments on Twitter from disgruntled clients.
Simple has sent updates to all the clients who can’t access their funds, according to Berlincourt, and Portland customer service representatives are working individually with clients in particularly tricky spots.

“If they’re stuck we will do everything we can to help them out,” Berlincourt said.

Some are good-humored about the outage…
 

Simple’s customer service team has been working Twitter to keep customers up to speed — and to apologize for the outage.

Read Twitter’s rants about Simple outage

http://www.oregonlive.com/silicon-forest/index.ssf/2014/08/outage_blocks_access_to_money.html

 

5 ways to make a Subprime Auto Loan a manageable solution for consumer, dealer, bank, and the economy


English: Refinance auto loan when needed

 

Wells Fargo Chief Executive Officer made a reference to the competition in the automotive lending so competitive that loans are being underwritten for over 100% Loan to Value of the car by lenders, but that type of loan is given to customers with credits at 720 or over for most banks. However, the market is so competitive in every sector of automotive lending that no customers will be left out. This includes the subprime customer or credit scores less than 620 (619 is Subprime) is considered subprime even though many lenders will not discuss lending with a customer scoring under 680. On Wednesday, the Justice Department made public of an inquiry into General Motors involvement in questionable auto loans to investors since 2007. ABC’s Money Memo reports:

Morning Money Memo:

Federal prosecutors are looking into the booming business of subprime auto loans. The investigation raises questions about whether GM and other firms have been selling questionable auto-loan investments to investors. The recent rise in auto sales has been fueled largely by consumer lending. Subprime loans are often made to borrowers who have poor credit histories. GM Finance says it has received a subpoena from the Department of Justice for documents related to subprime auto loans made since 2007. The Justice Department is said to be considering a civil lawsuit for potential violations of the Financial Institutions Reform, Recovery and Enforcement Act, a federal law that was passed following the savings and loan crisis in the 1980s.

Subprime Lending has become a more deviant business since the housing boom and financial crisis from 2004-2008. Subprime Auto Loans should a second chance for the customer with bad credit but capacity to payback the loan without the risk of default. Customers go back to repeat performance, and should educate themselves before they enter a loan agreement being  granted in lieu of poor credit. In the housing boom, every lender and realtor thought that people will make every effort to keep a roof over their head instead of foreclosure, so subprime loans are a good product. That thought was a dangerous belief as a person on a sinking ship that is not salvageable will stay aboard to bucket water out of the ship when jumping overboard is dangerous, but swimming is better than sinking with ship.  The automotive industry has the following thought on subprime auto lending market as the housing industry a decade ago.

Shoddy home loans packaged into bonds by Wall Street banks fueled the financial crisis. Subprime auto loans are a good investment, Helfman says: “A person that has to get from point A to point B, they’re not going to jeopardize their job. They have to pay the car payment before they pay anything else.” His Dodge Dart customer with the bad credit had to pay a higher-than-average interest rate on her loan. “It wasn’t pretty, but it wasn’t crazy,” he says. She was “so happy she couldn’t see straight.”

 

As a customer, the following litmus test should be considered in making a subprime loan a good loan for everyone involved. 5 ways to look for a subprime auto loan that will lead you into a situation to improve credit and improve your involvement in improvement of credit score.

 

1)  Down Payment and Co-Signer- Can put equity into your car, and a willing co-signer can get a subprime borrower 1.9% interest rates.  Some of these loans will report to the credit bureau for the subprime borrower in a Credit Builder Loan to impact your credit score higher because of the obligation to the bank and co-signer is being weighed in a more positive score.

2) Down Payment of 15 to 20%- Higher interest rates will hurt the customer that borrows at 100% will have a 5 to 7 year loan to afford most payments. Down payment will reduce payment and possibly interest rate.

3) Reduction in Interest Rate after first 12 months of payments- Any loans reducing interest on a good payment history

4) No Hidden Loan Fees- Closing fees or Fees accrued during life of loan.

5)Lease- Lease may be more affordable than a  no downpayment, high interest rate 5 to 7 year loan. 24-36 month lease (Lease for subprime is available) will have a higher payment but shorter term for the customer to allows a chance to repair credit.

Subprime borrowers need to be empowered to not repeat the mistakes of the past. You are getting a second chance at credit. Insure you are taking a bet on a second chance that is winnable.

Video News: Top News on video at donnywiselive.com including Ebola outbreak


Video News: Top News on video at donnywiselive.com including Ebola outbreak

 

http://www.donnywiselive.com/video.html

Ebola fear in United States could cause a panic more destructive than outbreak


speaking at CPAC in Washington D.C. on Februar...

speaking at CPAC in Washington D.C. on February 10, 2011. (Photo credit: Wikipedia)

2 missionaries were brought to Atlanta for treatment of the Ebola virus after contracting the virus from caring for sick patients in their missionary work. The reaction has been a backlash from the American public. Fear is grasping the country. Donald Trump is on television and my mother is on the phone in panic over an outbreak killing everyone her age. Fear can cause a panic to force the nation into losing freedoms and basic rights because a small outbreak occurs in the United States. I am not a medical profession, but I was infected with a rare type of food poisoning that turned deadly as I was bleeding internally. This case was extremely rare, and I was placed in isolation. No one was infected or impacted because of the tough isolation methods in my situation.

My sickness was potentially fatal and extremely contagious. They were able to control my situation. Ebola is something out of a horror film in fatality and symptoms. Ebola is likely to be found in the United States, and our risk measurement cannot process the number of people dying from the flu last year was 300,000 plus thousand. With 40% of Americans not vaccinated last year, the flu shot should be self mandatory in protecting life. One outbreak has not been reported in America, and Ebola is a word seen or heard every minute of the day. Concern is understood, but panic may rip a fabric in our society that cannot be repaired in freedom lost and economic damaged incurred. Outbreak would do damage in taking people’s lives and panic would damage the fabric of our country.

 

Q: Is there anything else you would like to add?

A: I would simply add that a virus like Ebola because it is new, unknown, and exotic causes a lot of irrational fear. However, putting it in perspective, influenza causes more deaths each year in the United States then Ebola has causes in the current outbreak in Africa and car accidents cause more deaths each year than Ebola has killed in all of history.

We need to put this fear into perspective. The fear should cause us to prepare, should cause us to take appropriate steps in case Ebola spreads, but it should not stop us from doing the right thing. It should not stop us from sending our doctors and nurses to Africa to try to treat these patients and trying to prevent the spread of the epidemic, and if these healthcare workers get sick, it should not prevent us from bringing them back to the United States to get proper care.

Home prices up 1% in June and 7.5% from 2013


 

 

june garden lookback

june garden lookback (Photo credit: knitting iris)

 

CoreLogic: U.S. Home Prices Up 1% In June

 

by MortgageOrb.com Tuesday August 05 2014

 

U.S. home prices increased 1.0% in June, compared to May, and were up 7.5% compared to June 2013, according to CoreLogic’s Home Price Index (HPI).

 

The report shows that home price appreciation continued to slow in June. In fact, monthly price appreciation has averaged between 1% and 2% since the start of this year. As a result, the year-over-year gains are currently nowhere near as dramatic as the double-digit increases seen in the first quarter.

 

Excluding distressed sales, home prices were up 0.9% compared to May and were up 6.9% compared to June 2013.

 

The recent slowdown in home price appreciation has some analysts predicting that certain markets will soon start seeing prices depreciate. For example, a recent report from Veros Real Estate Solutions predicts that up to 20% of U.S. homes will see price depreciation over the next year.

 

As per the CoreLogic HPI, some states are already starting to see price appreciation turn negative. For example, Arkansas saw home prices decline 0.4%, compared to May. However, it was the only state to see home prices decline.

 

All states saw home prices increase on a year-over-year basis in June, according to the report. What’s more, a total of 12 states – Alaska, Colorado, Iowa, Louisiana, Nebraska, North Dakota, Oklahoma, South Dakota, Tennessee, Texas, Vermont and Wyoming, as well as the District of Columbia – saw their home prices reach new highs.

 

CoreLogic forecasts that home prices, including distressed sales, will increase 0.7% from June to July. Excluding distressed sales, home prices are expected to rise 0.6%, month over month.

 

CoreLogic predicts that U.S. home prices will continue to rise by as much as 5.7%, including distressed sales, over the next 12 months.

 

For more, click here.

 

 

Banks and Credit Unions begin to embrace technology to meet customer’s modern lifestyle


UMe Credit Union. Magnolia Park, Burbank Calif.

UMe Credit Union. Magnolia Park, Burbank Calif. (Photo credit: Greg Lilly Photos)

The number of people using technology to communicate has eliminated the frequency of face to face meetings to interact. Facebook brings  people an outlet to stay in touch without actually being in front of that person to interact. The technological capability was integrated to revolutionize social interaction to phase into the business world where legal documents and raising funds can be all handle with the use of a tablet or smartphone. The convenience allows a benefit to both parties interacting via technology that frees valuable time and expedite the process of completion any business project or social gathering that agrees with the marketplace. The banks and credit unions have been slower business units to adapt to this new economy where legal documentation is binding by electronic signature for all other industries to hide behind regulation to adapt this new technology. Banks and credit unions are making great strides if they are to be relevant in the economy. Two announcements were made this week to tout 2 institutional achievements in remote options to conduct bank business via technology to sign documents and open accounts without coming into the bank or sending documents via postal mail. Pentagon Federal Credit Union has implemented DocuSign technology to conduct an array of transactions including applying for loans and signing loan documents online. TD Bank has launched Mobile Account Opening to open accounts via mobile or tablet device. The following two excerpts are sections of the press release from both companies to announce their transition to mobility banking:

 

Pentagon Federal Credit Union:

ALEXANDRIA, Va.–(BUSINESS WIRE)–Pentagon Federal Credit Union (PenFed), the third-largest credit union in the United States, announced it has standardized on DocuSign, Inc. (DocuSign®) for Digital Transaction Management (DTM) to provide top-tier service to members at home and those based abroad. DocuSign is helping PenFed go fully digital for dramatic ROI, lower costs, and increased security and compliance by eliminating the need to print, fax, scan and overnight documents to complete new account openings, loan applications and other transactions.

“As the credit union industry leader and global standard for Digital Transaction Management, DocuSign integrates seamlessly with our systems and processes on our website, over the phone and even in our mobile app securely”

“At PenFed, giving our members the best possible customer experience is mission critical,” says Chris Martin, senior vice president of Service Center Operations at PenFed. “DocuSign gives our members convenience and peace of mind with the ability to do their banking easily – anywhere, anytime – while knowing their information is absolutely secure.”
PenFed has been providing members with world-class banking solutions since 1935. Trusted globally by more than a million members, PenFed champions solutions that align with its customer-centric culture and provide members with the greatest mobility, security and ease of use, regardless of the time zone in which they’re doing business. Currently, PenFed oversees more than $18 billion in assets under management with hopes to quadruple this number in the coming decade.
Part of achieving PenFed’s long-term goals is making a digital transformation to allow members to transact business with PenFed wherever they go. “As the credit union industry leader and global standard for Digital Transaction Management, DocuSign integrates seamlessly with our systems and processes on our website, over the phone and even in our mobile app securely,” adds Martin. “With DocuSign as our DTM partner, we’re confident that our members will continue to receive cutting-edge digital solutions even as we move toward achieving our projected growth goals.”
DocuSign helps credit unions automate manual, paper-based processes with the only open, independent, standards-based DTM platform for managing all aspects of documented business transactions. DocuSign helps financial institutions Keep Business Digital™ with industry-leading identity management, authentication, eSignature, forms/data collection, collaboration, workflow automation, payment collection, and cloud storage. DocuSign helps organizations large and small securely collect information and payments, automate workflows, and transact anything, anytime, anywhere, on any device.
 

TD Bank:

 
CHERRY HILL, N.J., Aug. 4, 2014 /PRNewswire/ — TD Bank, America’s Most Convenient Bank(R) , recently introduced Mobile Account Opening, allowing customers to open personal banking accounts using their smart phone at TDbank.com with an experience specifically designed and tailored for a mobile device.
“Customers value speed and convenience, which makes mobile technology an integral part of daily life,” says Rizwan Khalfan, Senior Vice President, Digital Channels, TD Bank Group. “Mobile Account Opening is another option for customers to open an account easily and quickly, regardless of where they are.”
Mobile Account Opening can be used to open checking, savings, money market, or CD accounts by simply accessing TDBank.com using an Android(TM) or iPhone(R) smart phone.
“TD Bank customers can manage accounts, pay a bill, transfer funds or find the nearest store with a simple click using the TD Bank Mobile App, ” adds Khalfan. “It’s the type of convenient experience customers have come to expect from TD.”
Customers opening eligible accounts must accept the TD Bank Terms and Conditions and Notices, and elect to receive disclosures electronically.

ABABJ: Don’t forget when to shut up: Face-to-face or on Facebook, behave as a banker ought


Don’t forget when to shut up

Face-to-face or on Facebook, behave as a banker ough

Don’t forget when to shut up

Credit people deal with confidential information all the time. It’s part of our job descriptions.

How well do we observe the basic tenets of business confidentiality? In a long career, I’ve seen people get it right. But I’ve also observed that some people treat secrets and highly confidential information as either “too good to keep or not worth keeping.”

SVP in charge of blabbing

I am reminded of a very senior officer of one of my banks, years back. He had an engaging sense of humor. He enjoyed a rep as a story teller, a raconteur.

Unfortunately, his humor often came at the expense of his subject. And his sense of privacy was questionable. He shared things in meetings of the bank’s senior officers that would have been very embarrassing if attributed back to anyone at the bank.

Because of his position and stature, what this man said about customers, directors, community leaders, and large stockholders was almost guaranteed to be of interest beyond any small group of bankers.

He didn’t know when to shut up.

I just didn’t like the way others were often the butt of insensitive humor and that their business and confidences were often displayed and shared in disrespectful ways.

I never heard that any of these anecdotes came back to the bank in embarrassing ways. But I can’t believe that they didn’t do harm in some way or other.

If nothing else, they set a bad example. But today, such poor judgment can be amplified on a computer keyboard.

When in doubt, shut up and shut off

Earlier this week, Valerie Jarrett, advisor to President Obama, commented in her commencement address to the graduating class at Pomona College that before hiring anyone, she finds out what they have been doing online.

While Ms. Jarrett was making a humorous reference to the current controversy over information gathered and stored by the NSA, it raises in my mind fundamental questions about the extent to which bankers are good stewards of confidential information on customers and prospects.

Bankers tend to be cautious individuals. We take risks with other people’s money and in the process of intermediating between savers and users, we collect information that more often than not has elements of a proprietary nature to it.

There’s a reason for this, a business reason. Borrowers share this information with us because we need the data as part of our due diligence process—and largely because they trust us with their “secrets.” They get that and while they may be very protective of their information, they also believe that we are reliable and careful people.

When we bankers enter the world of social media as individuals, what message does it send about our attitudes about privacy and propriety?

You may wonder, what do our habits of sharing our own personal information have to do with our ability and willingness to keep our own counsel with our customers’ private information?

It becomes an issue with me in the sense of how indiscriminate people can be today in sharing information and activities of their private lives. How many Facebook postings have I seen of such things as a picture of two beers on a counter with a caption “Customer departure lounge at O’Hare. The vacation has begun.”

Perhaps this is simply a way of sharing information that might deemed to be of interest to one’s friends.

But what other information is conveyed?

Two beers means that either you’re a two-fisted drinker or more likely are traveling with a companion. Perhaps the time that the picture was posted suggests that you slid out of work early, and that that particular day was not really a vacation day.

Is all of this necessary? And is it intentional that you directly or indirectly convey this much information?

I’m not saying that posting such things as our age, family doings, travel plans, or social lives are a matter of grave personal consequence. But we must take care about what we say says about us. We can say a great deal without realizing what we are conveying. With the explosive growth of social media, I think we’re sharing too much information about ourselves and in the process diminishing our own personas with each other by our propensity and almost compulsion to “tell all.”

How many of us are sharing so much personal information that we are depreciating the sense of what is truly personal or private?

Do our customers notice?  Do they care?

“Perhaps they don’t,” you say.

But what if they do?

And what if that begins to color their judgments and personal assessments of us as their confidants and advisors, as we frequently are?

Test your off-line self

There have been several high-profile lawsuits of the violation of “insider information” in recent months and one recent conviction of a high-profile private equity money manager.

Not too many of us as community bankers have information that’s truly of an insider nature as that term is used in securities law.

But we do run a risk when we get blabby. I’m concerned about how we may as bankers blur the line between what we can freely share and what should be considered privileged and treated with much greater care.

Examine you own actions and words: Have you ever been thoughtless and in the process, indiscrete?

One of the first things we should consider is how much information we share about our customers and prospects with our spouses.

With the birth of the first of our children, my wife has not worked outside the home. She’s not trained in banking or finance and has no particular interest in such areas.

But she is very interested in people. Over my many years in banking she has met many of my customers and coworkers. Fortunately, I could usually talk about them and the non-financial aspects of their dealings without fear of compromising sensitive information about them or the bank.

In business, one of the key ingredients, if not the key ingredient, in successfully negotiating human interrelationships is trust. If trust doesn’t exist, business slows down—due diligence assumes a much greater urgency, collateral becomes paramount over character, and we become suspicious of the motives and actions of others.

That’s no way to do one’s business, especially the business of lending where candor and truthfulness trump almost everything else.

Banker, know thyself

I think that’s where we bankers need to be brought up short on occasion—self-examine, and don’t be easy on yourself.

We are professional people and we are entrusted with the reputations of others as well as put our own professional reputations on the line most every day.

It’s no disgrace to make a mistake in underwriting credit. What lender hasn’t had a loss or two along the way?

But there is disgrace in letting ourselves and others down by our insensitivity to fundamental principles of human behavior such as respect and trustworthiness. Can we with a completely straight face deny that we talk too much, including our participation in the various venues of social media?

Today, our industry is under assault by critics among many of our public constituencies but particularly the politicians and some of our customers who have found dealing with us to be very difficult the last few years.

Community banking, especially among small- to medium-sized business lending, is one of the last outposts of professionally driven, intensely personal human relationships.

I hope none of us compromise the trust that still largely exists between us and our borrowers. We should treat such relationships as a matter of personal honor and value them above all business metrics. It’s all we really have in the first place.

Personal Finance: The 5 life lessons of building of something from nothing


 

 

Personal Finance: The 5 life lessons of building of something from nothing

SAMSUNG CAMERA PICTURES

 

 

 

Opportunity is a relative reality based on the individual with their talents, desires, passion, and core beliefs to make what is an opportunity subjective to goals for each and every person. Opportunity can be on two levels. First, the first level of opportunity is of advancement of a person’s life in a career, education, or meeting the love of a lifetime. Second, the opportunity of a lifetime is the next level where only a segment of a population ever have the chance to explore opportunity on this scale. The opportunity of a lifetime is achieved by a smaller segment for reality of an opportunity of this magnitude is a race from start to finish with obstacles and obstacles that must be tackled by the keyholder of the opportunity. One obstacle can lead to direct failure to leave two choices whether to start the race over or give up. Many people choose failure because no matter how many have passion in your vision, the owner of the opportunity is yourself. You have to dig your own ditch and sometimes use what you got. The grand scale plan can never be finished without a trial run.

 

 

 

Find a project, invest the time to set an objective to a challenge outside your skills and limits, but success can be achieved. As a person with huge opportunity in progress, 2014 has moved this opportunity expenditally forward, but time has turned the race into a marathon with my MasterCard (card games) still in transition and the highest impact to success and to impact society must become to a certain point of completion in the next few weeks. I had to find another project where military commanders have battlefield models made for an upcoming battle on a much grander scale. The model gives commanders and officers a smaller scale to practice and devise a strategy to win. I decided this Summer would be building a large garden from scratch in an area of the yard with grass in place to span one side of the house. I had to use everything within the property line to cultivate, plant, and decorate to completion before any new or outside elements could be included.

 

 

 

The garden is complete to a point where mulching and additional plants can be purchased and added to make the garden perfect. This whole area was grass in May and August will see nice mulch and small rocks and some new plant additions. This small scale project gave me five lessons in life to bring the project to a completion where the project was acceptable and truly complete as I could possibly bring to the table with my resources within the yard to bring to the table. Build something from nothing teaches lessons. Those five life lessons are the following:

 

 

 

1) Use What You Got – The value creation is within yourself, and the value exported into everything else in our technology, paper money, and pomp makes the smartest person empty if you lose true source of value.

 

 

2) Time Won’t Give Me Time- I learned that patience is a virtue and time jumps when you must act to complete the project. Time was never on my side. You deal with it.

 

 

 

3) Action v/s Distraction: I needed rocks for the garden because I had a supply of rocks from another area of the yard, but I lacked 15 large rocks to complete the project. My neighbor rings the doorbell and he has a wagon of rocks for my garden. He had them in the back of his yard and he saw that I was missing a few rocks. He gave them to me. Little talk and I placed the rocks and gave the wagon back to him. My other neighbor was always over outside when I was working and talking. The compliments and encouragement was nice to hear but he offered to help in my garden when I went on a work trip. I asked him to handle one item, and I told him that I could complete this item before I left. He was cutting the yard weekly, and he gave assurance of completing this item. It was never completed and set my project back by weeks. My opportunity is my responsibility. I learned the hard way. I have a new lawn person who is professional and much better at his job. I do not speak to that neighbor anymore. My new lawn person speaks few words and does an outstanding job. Keep out distractions.

 

 

 

4) Reality of Flaws and More Flaws- You want to throw cash at the issue to make it go away.  You are your worst enemy at times. Swallowing a bitter pill of hate in my flaws, I could not see straight some days.

 

 

 

5) Success- Success is hard to measure when you are digging the ditch. When friends and family began to comment about who I hired to undertake this massive task. Me and my dog would be the response. My mother was like this is absolutely beautiful, for it was in her eyes because her son can use his brain but his hands were crippled to create. When I felt that it was complete enough to function as a garden and additions would complement but not change the foundation, that was the day of success.

 

 

 

 

Flight MH17 was not alone over Ukraine as Singapore Airlines and Air India were minutes away from last known coordinates


Malaysia Airlines MH17 crash  Singapore Airlines flight was  minutes  away when plane was shot down   Mirror Online

Air Traffic over the Ukraine is in the enclosed image showing the last reported coordinates of MH17 before being shot out of the sky by Easter Ukraine Russian backed separatists. Air India and Singapore Airlines did confirm that above 32,000 ft that no restrictions were in place. Those two airlines were minutes from the doomed MH17. Singapore Airlines was only minutes behind the flight when MH17 was shot down.  If MH17 was no alone, why did the separatists choose this flight to prove a point to the world of their capabilities? The UK Mirror has a complete story of the Singapore Airlines flight.

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