Sentences with phrase «of alternative financial services»
Survey Shows High Levels of Financial Distress and High Use of Alternative Financial Services Among American Indians and Alaska Natives Thursday, April 6, 2017 The FINRA Investor Education Foundation and First Nations Development Institute today published the nation's most comprehensive analysis of the financial capability of American Indian / Alaska Natives, including the financial behavior, attitudes and knowledge of Native peoples.
http://www.usfinancialcapability.org/ Not exact matches
There are approximately 200 alternative lenders in the U.S., according to financial services research firm Barlow Research Associates, roughly half of which are dedicated exclusively to business loans.
Dan Nathan is the Co-Founder and Editor of RiskReversal.com, a service committed to assisting equity traders / investors understand the alternative ways they can express their views in the financial markets.
But «in those countries and corners of the financial system where the traditional services of money are inadequately supplied, Bitcoin (and cryptocurrencies more generally) may offer viable alternatives.»
Cowen Inc. is a diversified financial services firm and, together with its consolidated subsidiaries, provides alternative asset management, investment banking, research, sales and trading, prime brokerage, global clearing and commission management services through its two business segments: Cowen Investment Management and its affiliates make up the Company's alternative investment segment, while Cowen and Company, a member of FINRA and SIPC, and its affiliates make up the Company's investment bank segment.
The three - year «access to capital» pilot program also includes a commitment to provide a grant of up to $ 750,000 to the Toronto Financial Services Alliance to promote awareness of alternative forms and sources of lending programs available to small businesses.
NEW YORK and LONDON, February 27, 2018 — Cerberus Capital Management, L.P., a global leader in alternative investing, today announced that one of its affiliates has entered into an agreement with Bluestone Group, the international financial services business based in the U.K., to acquire its Australasian mortgage lending and portfolio servicing operations («Bluestone Holdings Australia»).
The Board considered pursuing, but decided not to pursue, an alternative to include the prior service cost or credit component in the line item (s) reporting current employee compensation because this component is not exclusively related to the current period's employee services and may add complexity to financial statement users» analyses of an entity's core operating performance.
Certain modern technology services are becoming more and more popular as alternative financial systems and remain outside the scope of Union legislation or benefit from exemptions that may no longer be justified.»
Equity Institutional services institutional clients of Equity Trust Company, a leading custodian of alternative and tradtional assets, serving some of the nation's largest financial institutions, as well as thousands of financial professionals across the country.
BlackBerry's ability to manage inventory and asset risk; BlackBerry's reliance on suppliers of functional components for its products and risks relating to its supply chain; BlackBerry's ability to obtain rights to use software or components supplied by third parties; BlackBerry's ability to successfully maintain and enhance its brand; risks related to government regulations, including regulations relating to encryption technology; BlackBerry's ability to continue to adapt to recent board and management changes and headcount reductions; reliance on strategic alliances with third - party network infrastructure developers, software platform vendors and service platform vendors; BlackBerry's reliance on third - party manufacturers; potential defects and vulnerabilities in BlackBerry's products; risks related to litigation, including litigation claims arising from BlackBerry's practice of providing forward - looking guidance; potential charges relating to the impairment of intangible assets recorded on BlackBerry's balance sheet; risks as a result of actions of activist shareholders; government regulation of wireless spectrum and radio frequencies; risks related to economic and geopolitical conditions; risks associated with acquisitions; foreign exchange risks; and difficulties in forecasting BlackBerry's financial results given the rapid technological changes, evolving industry standards, intense competition and short product life cycles that characterize the wireless communications industry, and the company's previously disclosed review of strategic alternatives.
The November 15th program will include cutting - edge discussions such as: how non-exchange traded alternatives are becoming the mutual funds of yesteryear; what is driving retail's demand for non-exchange traded alternatives; using micro-investing technology to diversify across and within online marketplaces; how legislation is being used to engineer a new breed of alternative products; how innovations in self - directed IRAs will create new retail distribution channels for the entire alternative product universe; how technology will ensure the scalability of online platforms and enable traditional financial services providers to increase AUM; how millennials will fuel the growth of FinTech and redefine financial services; how FinTech will replace the 401k and transform the way Americans save for retirement; and how modernizing the Self - directed IRA is the trillion dollar FinTech opportunity.
The three - day convention features panel and keynote speakers highlighting various aspects of financial services including alternative lending and credit, B2B payments and finance, blockchain technology, data and algorithm - based innovation, digital banking and personal finance, economic inclusion and financial health, entrepreneurship and investing, real - time cross-border payments, insurance tech, issuing innovations, legal and regulatory issues, marketing and customer experience, mobile wallets and payments, new market research, next gen retail and commerce, PSO, as well as security and fraud.
Since 2011, Dara Albright has been helping set the direction of the financial services industry through trendsetting articles, white papers, acclaimed conferences, roadshows and influential webinars that introduce new digital financing techniques and modern alternative asset classes such as equity crowdfunding and p2p notes to the financial ecosystem.
Watt, a former congressman from North Carolina and long - time member of the House Financial Services Committee, threw cold water on the idea that Fannie and Freddie would begin using alternative credit scoring models at any point in the next two years.
Cristina has been involved in the financial services industry for over 15 years and has leveraged expertise on a variety of investment areas such as: portfolio management, wealth management, manager selection and alternative investments.
In an attempt to mainstream message the power of alternative Social Security claiming strategies, many people in the financial services community have sought to simplify and compartmentalize the various complexities of the Social Security retirement system.
In a statement calling for more restrictions on the sale of competitive alternative foods, the American School Food Service Association, a national organization of school food - service workers, says «students are being put in a position of deciding between nutritious and non-nutritious foods while the financial and nutritional integrity of the child nutrition programs are being jeopardized.Service Association, a national organization of school food - service workers, says «students are being put in a position of deciding between nutritious and non-nutritious foods while the financial and nutritional integrity of the child nutrition programs are being jeopardized.service workers, says «students are being put in a position of deciding between nutritious and non-nutritious foods while the financial and nutritional integrity of the child nutrition programs are being jeopardized.»
If the clients you're working with are of low income or experiencing financial difficulties, you might charge a lower rate or offer alternative forms of payment, such as reduced fees, sliding scale or barter of services.
2.2 The Superintendent provides adequate financial support and other needed resources for implementation of quality alternative education services (i.e., teaching and non-teaching staff, equipment, technology, supplies, curriculum, etc.).
Scholarship Name: Teacher Loan - For - Service Provider: The State of New Mexico Amount: Up to $ 4,000 Info and Availability: To receive this award you must be: — A New Mexico resident - Accepted into Teaching program or an alternative licensure teacher preparation program at a public college or university - Enrolled at least half - time - An undergraduate or graduate - Able to demonstrate financial need Contact Info: New Mexico Higher Education Department Attn: Financial Aid Division 2048 Galisteo Street Santa Fe, NM 87505 - 2100 More infinancial need Contact Info: New Mexico Higher Education Department Attn: Financial Aid Division 2048 Galisteo Street Santa Fe, NM 87505 - 2100 More inFinancial Aid Division 2048 Galisteo Street Santa Fe, NM 87505 - 2100 More information
Outside of alternative programs specifically for teenage parents, there are other ways for districts and states to provide resources to teenage parents, either through financial support or through subsidized services.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses, the risk that the transactions with Microsoft and Pearson do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion contemplated by the relationship with Microsoft, including that it is not successful or is delayed, the risk that NOOK Media is not able to perform its obligations under the Microsoft and Pearson commercial agreements and the consequences thereof, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
Such statements reflect the current views of Barnes & Noble with respect to future events, the outcome of which is subject to certain risks, including, among others, the effect of the proposed separation of NOOK Media, the general economic environment and consumer spending patterns, decreased consumer demand for Barnes & Noble's products, low growth or declining sales and net income due to various factors, possible disruptions in Barnes & Noble's computer systems, telephone systems or supply chain, possible risks associated with data privacy, information security and intellectual property, possible work stoppages or increases in labor costs, possible increases in shipping rates or interruptions in shipping service, effects of competition, possible risks that inventory in channels of distribution may be larger than able to be sold, possible risks associated with changes in the strategic direction of the device business, including possible reduction in sales of content, accessories and other merchandise and other adverse financial impacts, possible risk that component parts will be rendered obsolete or otherwise not be able to be effectively utilized in devices to be sold, possible risk that financial and operational forecasts and projections are not achieved, possible risk that returns from consumers or channels of distribution may be greater than estimated, the risk that digital sales growth is less than expectations and the risk that it does not exceed the rate of investment spend, higher - than - anticipated store closing or relocation costs, higher interest rates, the performance of Barnes & Noble's online, digital and other initiatives, the success of Barnes & Noble's strategic investments, unanticipated increases in merchandise, component or occupancy costs, unanticipated adverse litigation results or effects, product and component shortages, risks associated with the commercial agreement with Samsung, the potential adverse impact on the Company's businesses resulting from the Company's prior reviews of strategic alternatives and the potential separation of the Company's businesses (including with respect to the timing of the completion thereof), the risk that the transactions with Pearson and Samsung do not achieve the expected benefits for the parties or impose costs on the Company in excess of what the Company anticipates, including the risk that NOOK Media's applications are not commercially successful or that the expected distribution of those applications is not achieved, risks associated with the international expansion previously undertaken, including any risks associated with a reduction of international operations following termination of the Microsoft commercial agreement, the risk that NOOK Media is not able to perform its obligations under the Pearson and Samsung commercial agreements and the consequences thereof, the risks associated with the termination of Microsoft commercial agreement, including potential customer losses, risks associated with the restatement contained in, the delayed filing of, and the material weakness in internal controls described in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended April 27, 2013, risks associated with the SEC investigation disclosed in the quarterly report on Form 10 - Q for the fiscal quarter ended October 26, 2013, risks associated with the ongoing efforts to rationalize the NOOK business and the expected costs and benefits of such efforts and associated risks and other factors which may be outside of Barnes & Noble's control, including those factors discussed in detail in Item 1A, «Risk Factors,» in Barnes & Noble's Annual Report on Form 10 - K for the fiscal year ended May 3, 2014, and in Barnes & Noble's other filings made hereafter from time to time with the SEC.
However, such services aren't entirely well - known to consumers who lack a traditional bank account.This results in something of a chicken - and - egg problem when it comes to eliminating the fees on these alternative financial products.
A plethora of online - based financial technology startups have sprouted up in recent years, offering alternatives to the traditional banks and money transfer services like Western Union.
Each of our checking account options is an alternative to the high checking fees and service charges at other financial institutions.
In 2016 the Ontario government introduced Bill 156, the alternative financial services statute law amendment act because they like simple titles, where they proposed various changes to the payday loans act, including limits on how many payday loans you could get in a certain period of time, obviously to prevent multiple repeat payday loans.
The alternative used to be to rely on a traditional financial adviser, for which «you're probably paying a premium for commission - based advice from someone incentivized to sell a specific product,» says Tea Nicola, co-founder and CEO of Vancouver - based robo adviser, WealthBar Financial Services Inc. «Your average investor underperforms the market, before and after costs,» Nicola says, «A set - it - and - forget - it strategy with a traditional firm would come with a financial adviser, for which «you're probably paying a premium for commission - based advice from someone incentivized to sell a specific product,» says Tea Nicola, co-founder and CEO of Vancouver - based robo adviser, WealthBar Financial Services Inc. «Your average investor underperforms the market, before and after costs,» Nicola says, «A set - it - and - forget - it strategy with a traditional firm would come with a Financial Services Inc. «Your average investor underperforms the market, before and after costs,» Nicola says, «A set - it - and - forget - it strategy with a traditional firm would come with a high fee.
Recently, the Ontario Ministry of Government and Consumer Services (Ministry) asked interested parties to submit their recommendations on potential ways to strengthen consumer protection for those individuals who may use alternative financial services (AFS) such as payday loans and quick cash installment loans, as well as those who may find themselves facing debt colServices (Ministry) asked interested parties to submit their recommendations on potential ways to strengthen consumer protection for those individuals who may use alternative financial services (AFS) such as payday loans and quick cash installment loans, as well as those who may find themselves facing debt colservices (AFS) such as payday loans and quick cash installment loans, as well as those who may find themselves facing debt collectors.
Finally, and perhaps most important, research shows that these fees push consumers out of the banking system, either voluntarily or involuntarily, leaving them to use expensive check - cashers and other alternative financial services.
Examples of alternatives include Manulife's high - interest Advantage Account or services offered by financial professionals through B2B Bank, he said.
We are happy we could be of service to her and her team,» said Pat MacKrell, CEO of NYBDC and Excelsior Growth Fund, a certified Community Development Financial Institution (CDFI) and alternative lender.
2015 Bernstein Fabozzi / Jacobs Levy Outstanding Article Award for «A Study of Low - Volatility Portfolio Construction Methods» in the Journal of Portfolio Management 2013 Bernstein Fabozzi / Jacobs Levy Outstanding Article Award for «The Surprising Alpha from Malkiel's Monkey and Upside - Down Strategies» in the Journal of Portfolio Management 2013 William F. Sharpe Award - ETF / Indexing Paper of the Year for «A Framework for Examining Asset Allocation Alpha» in the Journal of Index Investing 2011 CFA Institute Graham and Dodd Scroll Award for «A Survey of Alternative Equity Index Strategies» 2011 Financial Analyst Journal Readers» Choice Award for «A Survey of Alternative Equity Index Strategies» 2009 Outstanding Service to UCLA Anderson School of Management 2008 Institutional Investor 20 Rising Stars of Hedge Fund Award 2005 William F. Sharpe Award - Best Index Research for «Fundamental Indexation»
Twenty percent of household (almost 25 million households) are classified as unbanked, meaning they have an account, but use alternative financial services to conduct their business.
«It emerged at the international level, through the combination of, among others: (1) the conservationist interests of big environmental NGOs in the North, (2) the interests of national and sub-national governments in the North seeking low - cost alternatives to supposedly «offset» their continued and excessive emissions of pollutants and greenhouse gases, (3) the interests of national and sub-national governments in the South seeking to obtain financial resources for the «protection» of forests in their countries, (4) the interests of corporations that could profit from market - tradable «offset» credits, including through speculation on secondary (derivatives) markets, which would allow them to continue destroying the forests for the extraction of timber, minerals or oil, the establishment of monoculture plantations, etc., thus expanding their business opportunities, and (5) the interests of consultants and other actors involved in financial capital markets who want to turn «unexploited» forests into a new market for this type of capital, through the commercialization of «environmental services» such as carbon sequestration, among others.»
While accepting that the District's [Board] financial circumstances were compelling, the Tribunal found that there was no evidence that the District [Board] had considered any reasonable alternatives for meeting the needs of Severe Learning Disabilities students before cutting available services such as the Diagnostic Centre.»
He added that the following values were all to be appreciated and brought into a pragmatic balance: that an efficient and cost - effective and relatively informal type of alternative dispute resolution should not be stifled by the imposition of legal doctrine; that the opportunity for the development of new ideas fitting to financial service industries operating in consumer markets should be appreciated for the benefits they could bring; that on the other hand transparency, consistency and accessibility as to the principles which informed the ombudsman's determinations remained virtues in the new setting; and that publicity as to those principles and those determinations could assist in that regard.
Our Financial Regulation team provides regulatory advice for a wide range of financial institutions, including government bodies, banks, securities firms, investment managers, alternative asset managers, custodians, building societies, life and non-life insurance companies, reinsurers, electronic trading platforms, stockbrokers, corporate financiers, retail intermediaries, pension houses, payment services firms and peer - to - peer lendiFinancial Regulation team provides regulatory advice for a wide range of financial institutions, including government bodies, banks, securities firms, investment managers, alternative asset managers, custodians, building societies, life and non-life insurance companies, reinsurers, electronic trading platforms, stockbrokers, corporate financiers, retail intermediaries, pension houses, payment services firms and peer - to - peer lendifinancial institutions, including government bodies, banks, securities firms, investment managers, alternative asset managers, custodians, building societies, life and non-life insurance companies, reinsurers, electronic trading platforms, stockbrokers, corporate financiers, retail intermediaries, pension houses, payment services firms and peer - to - peer lending firms.
Kamalprit Lally, associate in the corporate and financial services team at Wedlake Bell, gives her outlook for the future of the Alternative Investment Market (AIM) as it approaches its 22nd... Read more →
Alternative fee arrangements and drivers like the commoditization of legal services, online practitioners, and evolving client expectations are a perfect storm that is likely to erode the financial wellbeing of firms that don't proactively seek ways to improve their business operations.
Chambers has the strength in depth to handle an extensive range of legal issues across commercial, construction & engineering, commercial fraud, financial services, banking, insurance, alternative dispute resolution, energy, oil & gas, planning, environmental and public law.
The legal sector has entered a new era: one shaped by technology, social media, globalization, emerging markets, the fallout from the financial crisis, competition from alternative providers of legal services, and a heightened sensitivity to cost.
It may comprise: advice on complying with pre-action protocols; exploring the different avenues available for alternative dispute resolution (ADR); providing clients with a glossary of terms they will be come across in the court process; instruction sheets in plain English to explain aspects of procedure and the essential law to be applied (translated to be available in Welsh or foreign languages); how to provide disclosure; preparing court documents such as witness statements, case and costs summaries, chronologies and skeleton arguments; complying with the Rules in relation to service of documents, the preparation of statements of case, the appointment and instruction of expert witnesses; the importance of CPR Pt 36; or how to prepare for and what to expect at a financial dispute resolution (FDR) or a final hearing / trial.
The Centre's approach is consistent with a number of principles found in A2JBC's Framework for Action, by applying a user - centred approach that takes into consideration the child's own views and preferences; by exploring alternative modes of legal service delivery, such as unbundled services; and by reducing financial barriers to accessing legal help for those who need it.
To the contrary, those about to embark upon that journey confront: (1) the daunting cost of law school; (2) an average of $ 120K debt for attending; (3) a job market where, nationally, close to half of all graduates do not have Bar - required employment nine months after graduation; (4) a widespread market perception that law school graduates — even those from elite schools — lack «practice ready» skills; (5) cut - backs in hiring newly minted lawyers — even among many stalwart law firms; (6) an erosion of mentorship due in part to pressure on senior lawyers to «produce» more (7) the unlikelihood of making (equity) partner; (8) instability of law firms; (9) global competition; (10) technology companies creating products that replace services; and (11) a blizzard of negative press trumpeting the glum prospects for the profession; and (12) alternative career choices — finance, accounting, technology, etc. — that portend greener pastures and do not require the same time and financial commitment to prepare for entry.
«The opposition is especially strong against any action of this kind that could cause huge inconveniences for service providers and serious confusion for users, potentially leading to financial losses: unilateral attempts to appropriate Bitcoin name, logo or «ticker», attempts to mislead light - clients and SPV wallets on alternative networks not explicitly chosen by them, attempts to launch new coins in a way which leave users vulnerable to «replay attacks» or address format confusion, attempts to attack the network with a temporary hashing - power majority in order to create disruptive reorgs or to slow down the normal activity.»
As financial woes trouble one of America's pioneering Liberal cities, could blockchain provide an alternative cryptocurrency that could help improve the cities funding of key resources — most notably housing and key services?
The Toronto Bitcoin Expo will revolve around topics including the evolution of money and banking, the new financial services ecosystem, safe Bitcoin storage techniques, the new cryptocurrency monetary era, Bitcoin as a charitable donation, alternative coins and branded coins, comparing Bitcoin to gold, and decentralized applications enabled by cryptocurrency platforms to name a few.
The service, and platforms like it, leverage millennial ideals to create low - cost alternatives that don't sacrifice the experiential aspect of the venture because of financial concerns.