Featured post

Finding the Debt Reduction Right Lawyer

When you are looking for the best debt reduction lawyer, taking the time to make sure that you are choosing the right person to work with is very important. Before we get into more information regarding debt , we will cover the basics as to what it really takes for your to make sure that you choose the right lawyer if you need to consolidate your loans or if you find yourself in a situation needing legal help with your finances.

Our original Article:

Finding the right lawyer can be a difficult task especially if you do not have any prior experience. In fact, you will have to consider certain conditions prior to finding the right lawyer for your task. On this note, many lawyers often give free consultation to see if they match your need. Even if you are going for a basic legal advice or other serious matter, never take the issue of finding the right lawyer lightly. Is your quest after finding a lawyer that delivers with top-notch professionalism? Are you willing to hire the best lawyer that stands the test of time? Reading through the rest part of this article will help you effectively.

Always determine the type of lawyer that you need. Take your time to know the actual prospect of your need prior to hiring a lawyer. In case your prospect is into business, then look for a professional in that area. You will be able to get the best result as required.

Recommendation is a big factor that should not be underestimated when looking for the right lawyer. Ask from your family, friends, agents or relatives. You will surely get one or two referrals. Contact the listed lawyers and ask of the term of their service. This will help you narrow your list to a successful option.

Finding a lawyer with insurance coverage dictates high professionalism. Always ensure to hire a lawyer that has insurance coverage against any damage. You will be safe in time of trouble. Reputation is also a great factor that you can look at prior to selecting the right lawyer. Always go for a lawyer that is highly reputable in the public.

Finally, budget is also a great factor that can help you select the right lawyer for your need. Always hire or select a lawyer without breaking the bank. You will always have the need to be happy at the end of the whole process.

About.com Resource: http://moneyfor20s.about.com/od/gettingoutofdebt/a/A-Guide-To-Debt-Settlement.htm

While You Were Paying Attention To Comey, House Republicans Voted For Everything Big Banks Want

WASHINGTON ? While much of the political world was watching the fallout from former FBI Director James Comey?s Senate testimony Thursday, House Republicans were jamming through a bill that would largely gut the financial regulations in Dodd-Frank, the landmark banking legislation passed in 2010 after the worst financial crisis since the Great Depression.

But instead of quietly sneaking the legislation through, Republicans were loudly touting the bill ? which passed, 233-186, with all Democrats and one Republican (Walter Jones of North Carolina) voting no ? as a major victory.

Speaker Paul Ryan (R-Wis.) spent most of the week pointing to the measure as a win for community banks, calling the so-called Financial CHOICE Act the ?crown jewel? of a GOP effort to peel back regulations and bolster the economy. And Republicans, largely looking for something to discuss instead of Comey or Trump or any number of the other associated scandals, used the legislation as their preferred talking point of the week.

?The big banks are bigger. The small banks are fewer. We?re losing a community bank or credit union a day,? Financial Services Committee Chairman Jeb Hensarling (R-Texas), the sponsor of the bill, said Thursday.

When HuffPost asked House Republicans about the bill Wednesday and Thursday ? whether easing Wall Street regulations was really the message of the 2016 election ? GOP lawmakers quickly reframed the measure as a win for community banking.

?We?re getting rid of ?too big to fail,? and we?re saving the little banks,? Rep. Ted Yoho (R-Fla.) said. ?There was over 14,000 community banks. We?re losing one a day; we?re under 7,000.?

Ways and Means Chairman Kevin Brady (R-Texas) said the legislation would lift regulations off local banks so they could more freely lend to their communities and small business. He said that small banks had been ?getting killed? by the regulations in the Dodd-Frank Act.

Freshman Rep. James Comer, who was a director of a community bank before coming to Congress, said he saw firsthand the impact of Dodd-Frank on small banks.

?With the community banks, they paid the price for the sins of the big banks,? Comer (R-Ky.) said. ?And in small towns, it?s become much harder to borrow money.?

But Democrats were quick to point out that if Republicans simply wanted to help small banks, they could have crafted a bill that did so without gutting other consumer protections meant to protect the market from risky bets.

?This is about going backwards,? Rep. Jim McGovern (D-Mass.) told HuffPost. ?Republicans were never very enthusiastic about holding Wall Street to account or protecting consumers, and this shows it.?

?It moves us back to an era before the 2008 meltdown when there was no one watching Wall Street,? Rep. Jared Polis (D-Colo.) said of the bill.

?If the Republicans were interested in some productive changes around community banking, there?s many Democrats who?ve been at the table on that as well,? Polis continued, ?but this bill would remove the critical consumer protections that were put in place from Dodd-Frank.?

Republicans were never very enthusiastic about holding Wall Street to account or protecting consumers, and this shows it.
Rep. Jim McGovern (D-Mass.)

Specifically, the bill would subject the Consumer Financial Protection Bureau to the appropriations process, meaning lawmakers could substantially cut, or even defund, the consumer watchdog. Democrats say subjecting the CFPB to congressional appropriations is the first step in eviscerating the agency.

The CHOICE Act would also cut the so-called Volcker Rule, which was meant to stop big banks from making speculative bets with taxpayer-backed funds. (Simple in premise, the Volcker Rule is in fact incredibly complex and contains multiple exemptions too large and purposeful to be called loopholes.) The bill would also remove regulators? increased power over ?systemically important financial institutions.? (Colloquially, these are the ?too big to fail? institutions.)  

Republicans have cannily described that ?too big to fail? designation as meaning the institutions are earmarked for bailouts. In fact, it subjects the institutions to greater regulation and forces them to produce plans showing they can fail without government intervention, and big finance companies fight ? and sometimes sue ? to avoid the tougher regulation the designation brings.

The legislation also would prohibit the Federal Deposit Insurance Corp. from overseeing plans on how banks with more than $50 billion in holding assets would be unwound should they need to go into bankruptcy. And the bill would substantially lower capital requirements.

For years, as an alternative to Dodd-Frank, some Republicans have proposed increasing capital requirements as a simple way to make banks safer. Bankers and their lobbyists would often offer general agreement to such a trade. But given the chance to write such a bill, the banking industry and Republican lawmakers showed their hand: Higher capital requirements are out, and a banking system loaded up with more debt is in.

Dodd-Frank, like the complex and interrelated financial system it regulates, does not have a simple, identifiable core. There is no one main thing Dodd-Frank does or stops. Instead, Dodd-Frank reins in the hugely diverse, interconnected financial world ? banks, hedge funds, mortgage originators, insurance companies, debt collectors, payday lenders ? by creating dozens and dozens of new rules, processes and organizations. The CHOICE Act rips almost every bit of this away. If Dodd-Frank is the ecosystem of a wooded hillside and gentle stream, the CHOICE Act is mountaintop removal mining.

From the very inception of Dodd-Frank, the political right has seized on the law as onerous and harmful to economic growth. Gutting the law would be a substantial ?win? for Republicans in their minds, particularly when they can paint their actions as helping small banks.

But the bill undeniably allows riskier bets from banks and restrains the ability of regulators to monitor Wall Street. The legislation certainly would make it easier on small-town banks to lend more of their money, but the measure is wrapped in so many other sops to the financial industry that it?s unlikely to go anywhere in the Senate, where it?s subject to 60 votes to pass. Even the Trump administration gave a less than full-throated endorsements of the legislation in a statement, saying the administration ?looks forward to working with the Senate on arriving at a final piece of legislation.?

Still, the prospect of passing a bill ? any bill ? that Republicans like and Democrats hate was enough to thrill GOP lawmakers. Amid all the news about Russia and Comey on Thursday, Republicans set up a ?media row? in one of the House office buildings so members could play up their action on Dodd-Frank and try to muddle headlines about the president potentially obstructing justice. And as absurd as that plan may sound, it, in part, seemed to work.

type=type=RelatedArticlesblockTitle=Related Coverage articlesList=591b3e92e4b05dd15f0beba7,5909fa1ae4b0bb2d0874171b

– This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

Cop Has A Beef With Bolt In His Arby’s Sandwich

Red meat is a good source for iron, but this is a little extreme.

A police sergeant in Birmingham, Alabama, has a beef with fast-food chain Arby?s after he reportedly found a bolt in his sandwich last week. 

Sgt. Patrick Cosby said he was eating a roast beef sandwich at his desk on Thursday when he noticed something amiss.

?I took the first bite into the sandwich, I mashed down on something really hard,? Cosby told AL.com. ?I pulled back and spit it out and looked into the sandwich. There?s a massive bolt laying there. I?m kind of in shock.? 

Cosby?s first thought was that the additional ingredient might be intentional, because the Arby?s drive-in attendant recognized him as a law enforcement officer. 

The sergeant took pictures of the adulterated sandwich and sent them to his wife, Angela, who posted one on Facebook. 

Cosby then bolted back to the Arby?s to beef about the hardware in his sandwich.

The manager gave him his money back, and promised to investigate. Cosby said a regional manager told him a couple days later that the bolt came from a malfunctioning meat cutter.

An Arby?s representative insisted that ?no one was targeted,? according to WTVM TV.

?We have a longstanding tradition of supporting our men and women in uniform, and we are currently working with the guest to resolve the matter,? Arby?s senior vice president Christopher Fuller said, according to Fox News.

The Jefferson County Health Department visited the Arby?s on Monday. Officials told Cosby the bolt came from a faulty cutter ? a problem that had occurred at the restaurant in the past.

Cosby isn?t biting.

?I don?t know how you make a sandwich with a bolt that large in it and not be intentional,? Cosby told AL.com. ?I can?t wrap my head around that.?

– This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.


The best site to get writing jobs is due to the simplicity involved in opening an account. First of all the writer has to complete a few tasks and get a good rating before they can embark on writing articles from clients domainname. Unlike other sites where they charge you to evaluate your writing skills, i-writer is free making it popular among writers.


Staff absence stawhether long term or short term usually affects any establishment negatively.The main cause of staff absenteeism and am sure you can attest to this, is sickness. For the majority of cases,sickness Centrifugal casting suppliers in California are one of the best in the industry. absence is completely reasonable and is due to illnesses that will prevent your member of staff from attending work while some are ingenuine.