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Wells Fargo error caused 525 customers to lose their homes


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    • By admin
      Link:  https://www.cnbc.com/2020/04/30/wells-fargo-says-it-will-no-longer-accept-applications-for-home-equity-lines-of-credit.html
      Wells Fargo, one of the largest home lenders in the U.S., said it it stepping away from the market for home equity lines of credit because of uncertainty tied to the coronavirus pandemic. 
      “Wells Fargo Home Lending will temporarily stop accepting applications for all new home equity lines of credit (HELOCs) after April 30,” the bank said in a statement.
      During tough economic times, HELOCs are riskier products for banks because in a foreclosure, the lender who made the primary mortgage is first in line to get paid in a recovery.
    • By Money & Finance
      Between 13,250 people and 26,500 people could be out of a job

      So said the third-largest bank in the U.S. yesterday.
      The what: The bank said it'll cut 5% to 10% of its employee headcount over the next three years. Wells Fargo (+0.60%) currently has about 265,000 employees, meaning between 13,250 people and 26,500 people could be out of a job.
      The why: It's part of Wells Fargo's ongoing turnaround plan. Remember, Wells (which has $1.9 trillion in assets) is still recovering from a series of scandals in the past two years. In just one example, branch employees opened millions of fake accounts in customers' names to meet sales targets.
      + While we're here: It's been a tough week all around for Wells CEO Tim Sloan. His team had to deny rumors that former Goldman Sachs exec (and former member of the Trump admin) Gary Cohn would be replacing Sloan atop Wells Fargo.
    • Guest
      By Guest
      What are some ways to combat homelessness?
      Declining wages have put housing out of reach for many workers: in every state, more than the minimum wage is required to afford a one or two-bedroom apartment at fair market rent. In fact, a minimum wage worker would have to work 87 hours each week to afford a two-bedroom apartment at 30% of his or her income, which is the federal definition of affordable housing.
       
    • By JAMMY
      Wells Fargo employees opened roughly 1.5 million bank accounts and applied for 565,000 credit cards that may not have been authorized by their customers, regulators said. Credit Eric Thayer/Bloomberg
      http://www.nytimes.com/2016/09/09/business/dealbook/wells-fargo-fined-for-years-of-harm-to-customers.html
    • By TheWorldNewsOrg
      Mon Jul 31st, 2017 7:00pm
      By Paige Cornwell
      The Seattle Times
       
      Washington has one of the highest levels of homeless students in the nation. And in a three-year span, when the number of homeless students in Washington grew by 30 percent, the amount of federal funding provided to help those students only increased by 8 percent.
      Those findings are part of an annual report by the Institute for Children, Poverty and Homelessness (ICPH), which analyzed each state’s homeless-student population. Though the data is from the 2014-15 school year, it provides a snapshot into where homeless students live and how they perform compared with their classmates.
      Data from Washington show that this state’s homeless-student population continues to grow. In the 2015-16 school year, nearly 40,000 students were homeless, according to the Office of the Superintendent of Public Instruction. In 2014-15, it was about 35,500.
      “We cannot afford to ignore the complex challenges faced by homeless children and their families,” said Dr. Ralph da Costa Nunez, president of ICPH, in a news release. “Unless we enact common-sense public policies that address the educational and economic needs of homeless families, today’s homeless children may become tomorrow’s homeless parents.”
      Among the report’s findings:
      Washington had the eighth-highest number of homeless students and the ninth-highest rate of homeless students among the 50 states and the District of Columbia. Four school districts — Seattle, Tacoma, Spokane and Highline — had more than 1,000 homeless students. In 10 school districts, more than 20 percent of the students were homeless. The average rate for homeless students identified as having a disability was 20 percent, nearly double the rate of their classmates. In three school districts — Nine Mile Falls in Eastern Washington, and Camas and Trout Lake in Southern Washington — almost half of all homeless students were identified as having a disability. Students were spread proportionately among cities, suburbs, towns and rural areas. About 43 percent lived in urban school districts. Under the federal McKinney-Vento Act, a student is considered homeless if he or she lacks a fixed, regular and adequate place to sleep at night. The state receives about $950,000 per year from the U.S. Department of Education to help homeless students by paying for things like transportation, tutoring and school supplies.
    • By JAMMY
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    • Guest Nicole
      By Guest Nicole
      The Refettorio Gastromotiva, a dining hall for homeless people that the Italian chef Massimo Bottura helped open in the downtrodden Lapa neighborhood of Rio de Janeiro.Credit Dado Galdieri for The New York Times
       
      RIO DE JANEIRO — Consider what it takes to keep all those Olympian machines nourished and hydrated for one meal at the Rio Games: 250 tons of raw ingredients to fill the bellies of 18,000 athletes, coaches and officials in the Olympic Village.
      Now multiply that figure by three — for breakfast, lunch and dinner — and again for each day of the Games.
      On the other side of the Atlantic Ocean, the Italian chef Massimo Bottura also did the math and was inspired, not by the tantalizing dimensions of herculean consumption but by the prospect of colossal waste.
      “I thought, this is an opportunity to do something that can make a difference,” said Mr. Bottura, 53, a fast-talking blur of a man whose restaurant in Modena, Osteria Francescana, recently earned the top award from the World’s 50 Best Restaurants.
      On Thursday night, that something looked like this: In a fraying section of downtown Rio, a pack of the world’s most venerated chefs were rushing around a slapdash kitchen amid a crush of volunteers as they improvised a dinner for 70 homeless people.
      All of the ingredients, most of which might have otherwise been thrown away, had been donated, as had the labor of the chefs and orange-aproned servers, some of whom had traveled to Rio from California, Germany and Japan.
      The creators of this place, Refettorio Gastromotiva — refettorio means dining hall in Italian — hope it will change the way Brazilians, and the world, think about hunger, food waste and the nourishing of human dignity.
       
      “This is not just a charity; it’s not just about feeding people,” said Mr. Bottura, pausing to pick up trash from the forlorn playground outside his new venture. “This is about social inclusion, teaching people about food waste and giving hope to people who have lost all hope.”
      In the days since it began operating on Wednesday out of a hastily erected translucent box in the downtrodden neighborhood of Lapa, Refettorio Gastromotiva has become something of a sensation: a feel-good counterpoint to the commercialization of the Games, and to the gluttony that unfolds each night in the pop-up pavilions that many countries have set up throughout the city.
      Prime Minister Matteo Renzi of Italy and the Brazilian actress and television host Regina Casé have stopped by, and culinary luminaries like Alain Ducasse, Virgilio Martínez Véliz and Joan Roca are among the 50 chefs who have signed up for kitchen shifts.

      Mr. Bottura sprinkling spices on couscous before it was served to diners at Refettorio Gastromotiva, where ingredients are donated and other well-known chefs have volunteered.CreditDado Galdieri for The New York Times
      On Thursday night, Alex Atala, who runs D.O.M., one of Brazil’s top-rated restaurants, and is the former host of a popular cooking show, helped prepare the evening’s menu: Italian-style couscous with sautéed beef and panzanella, a Tuscan bread-and-tomato dish that was produced with ingredients donated by the catering companies that supply the Olympic Village.
      Mr. Atala said the astounding deluge of international support was born of seemingly unrelated global movements: the growing awareness of food waste, the rise of the celebrity chef and widespread frustration over the persistence of hunger in even the most developed countries.
      “We are a generation of young chefs who are not competing with each other, but who want to share,” Mr. Atala, 48, said.
      The project is not Mr. Bottura’s first venture into culinary philanthropy. During the World Expo in Milan last year, he turned an abandoned theater into Refettorio Ambrosiano, and the center continues to operate.
      His latest refettorio is a collaboration with David Hertz, a Brazilian chef who has spent the past decade training disadvantaged men and women to work as kitchen assistants and spreading the gospel of slow food, a movement that emphasizes local culinary traditions and high-quality, locally sourced ingredients.
      His nonprofit, Gastromotiva, runs four schools in Brazil that have graduated 2,500 people, most of whom have been snapped up quickly by restaurants across the country. A branch in Mexico City produced its first class last month, and another is set to open in South Africa in September.
      Those successes have earned Mr. Hertz speaking engagements at TED Talks and at the World Economic Forum, but he said he had grown frustrated by what he described as the “empty talk” of the moneyed elite.
      Nine months before the start of the Games, and with little time to waste, Mr. Hertz persuaded the city’s mayor to provide an empty lot, and Mr. Bottura began the difficult task of raising $250,000.
      They found a chilly reception, an outgrowth of the political polarization that has roiled Brazil amid efforts to force President Dilma Rousseff from office, said Cristina Reni, the refettorio’s project manager.
      “People right now just don’t trust each other, and most of these companies didn’t want to get involved in a project they thought could get messy,” she said.
      Last-minute appeals yielded a bevy of commercial-grade freezers, ovens and an ice cream maker. The structure, a gleaming industrial shed outfitted with art and crisp plywood furniture, was built in 55 days. Despite the generosity, the project ran over budget and created a nearly $190,000 hole that the organizers are trying to fill with donations.

      A chef using a cooking torch on a dessert at Refettorio Gastromotiva. CreditDado Galdieri for The New York Times
       
      With a 10-year lease to its sliver of land, Food for Soul, Mr. Bottura’s organization, plans to keep the venture going after the Olympics are over. To make it sustainable, Refettorio Gastromotiva will serve lunch to paying customers and use the proceeds to fund 108 free dinners each night for those in need.
      “This is not some pop-up project,” Mr. Bottura said.
      On Thursday, the second night of operation, the refettorio was the site of controlled chaos. Workers struggled to churn out three successive seatings while coping with a shortage of natural gas and an inadequate electricity supply that made it impossible to use the deep fryer, ovens and freezers at the same time.
      Mr. Bottura scurried about, fussing over dishes, barking orders and trying to figure out how to make do with the ingredients at hand: slightly bruised tomatoes, day-old bread and an assortment of other produce, fresh but visually imperfect, that Olympic caterers had deemed unsuitable for their customers.
      Asked what was bubbling in a huge caldron of ragù, Mr. Bottura threw up his hands and shouted, “Everything.” The idea, he later explained, was to emulate the grandmothers of the world. “They knew how to take the food that would otherwise be wasted and turned it into amazingly delicious meals,” he said.
      It is a philosophy that has captured the attention of other cities, including Montreal and Los Angeles, where iterations of his upscale soup kitchen are scheduled to open next year. He has also set his sights on New York.
      At 6 p.m., the door flung open and the diners shuffled in, eyes wide with anticipation. The chef explained each course, which emerged from the open kitchen on simple white china. Cheers and applause filled the room.
      One diner, Rene da Conceição, said the food was the best he’d had in his 40 years, the past nine of which he has spent living with his wife on the streets of Rio.
      “Oh my God, he takes banana peels and makes incredible ice cream,” he gushed afterward. “And you know, we ate food from Italy!”
      A thin, bedraggled man with a wide, infectious smile, Mr. Conceição explained that his meals were usually scavenged from garbage bins and that he went to bed hungry many nights. Since the Olympics began, he said, the police have barred him from Copacabana, a neighborhood that provides a cornucopia of discarded food and items like cardboard that can be sold to recyclers.
      More than filling his stomach, Refettorio Gastromotiva, he said, had provided much-needed dollops of kindness and respect.
      “These guys, they shake your hand and they treat you like you’re a boss,” he said. “I thought I was dreaming and told my wife to pinch me. But it wasn’t a dream.”
       
      http://www.nytimes.com/2016/08/15/world/americas/rio-olympics-chef-food-homeless.html?smprod=nytcore-iphone&smid=nytcore-iphone-share
       
       




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    • folens  »  Eric Ouellet

      Hello Eric, merci pour tes bons sujets. Bonne journée Michel
      OUI certains jours.mp4
      · 0 replies
    • Eric Ouellet

      Bâtissons chaque but de notre vie avec amour
      L'homme à toujours chercher le sens véritable de l'amour. L'homme réfléchissant à cette vertu, il sépara cette qualité en trois phases et uni en une seule.  Les millénaires passèrent et l'homme à compris que les trois phases de l'amour sont des étapes que l'on ne peut trépasser.
      La première partie est appelé" L'Éros."
      L'éros fut le premier chemin que Dieu entama dans son Esprit ( pensée en action) (verbe) intérieur avant de faire ce monde magnifique que nous vivons. L'Éros est le feu qui nous anime dans le début d'une pensée qui nous traverse l'esprit.
      L'Amour éros est une énergie très puissante, car d'elle, d'une seule image non réalisée, l'éros active cette image en rêve, uni à notre pensée et propulse dans notre vision, un rêve ultime qui nous pousse à chercher au fond de nous, le sentiment qui nous anime puissamment.
      Nous recherchons en nous d'autres images pour connaitre d'avantage cette vibration qui se manifeste, telle un feu ardent.
      D'un rêve, l'amour de ce but te pousse à créer et fonder ce rêve dans ta réalité, construire le but ultime de ta vie.
      La flamme de Yah, s'anime en toi ( Chant de Salomon)
      Le désir sexuelle ne fait pas parti de cet Amour.
      L'Éros te propulse dans tout les côtés des variantes d'un but non réalisé, dont tu ne connais point comment construire ce but qui s'anime en toi; et même comment pourrais-je réaliser ce but?
      Quand le rêve d'un projet d'avenir est dans l'Éros, il ne faut pas qu'il devienne en nous une obsession intense. Nous ne savons pas comment contrôler notre feu intérieur de ce but, de cette vision qui anime nos pensées, jour après jour et souvent dans les images de notre sommeil, elles peuvent envahir nos nuits.
      L'amour " Éros" nous confrontes à plusieurs désirs qui nous anime et qu'avec le temps nous apprenons à assembler le casse tête de la réalisation de notre vie, les pièces maîtresses de notre rêve qui nous poussent sans cesse à trouver les outils et l'instructions nécessaires à notre cheminement qui s'accomplit pendant une grande période de notre vie, pour atteindre l'objectif premier de notre vie, le vrai but que nous voulons accomplir.
      Quand notre but est assemblé, telle un film intérieur, de sa première image (début), à son dénouement et cela jusqu'à son accomplissement , alors notre rêve se voit construit dans notre esprit alors nous sommes prêt; nous pouvons commencer la deuxième étapes de l'amour qui construit notre but.
      L'AMOUR PHILIA UNE ÉTAPE TRÈS IMPORTANTE DE L'AMOUR
      La connaissance de l'amour apporte à réaliser le rêve de notre but vers la réalisation de notre projet en ce monde au bonheur de chacun.
      Les étapes de réalisation de chaque but, doit être construit avec l'Amour philia à (suivre)...

      · 0 replies
    • Eric Ouellet

      Pour guérir notre personnalité, une petite recette intérieure doit être préparé avec minutie et avec conviction, en voici la composition:
      En premier, prend le temps de prendre conscience de l'amour que tu t'attribues à toi même. L'amour désintéressé, celle qui te lie en toi le mérite vrai de la beauté intérieure, celle de la lumière qui vibre dans ton coeur. Cette amour doit être le fondement de ta personnalité, car plus tu consacres le temps nécessaire à épanouir tes forces et que tu perpétues cette puissance universelle envers autrui. Ainsi, tu t'élèveras au-dessus de la souffrance et Il te guidera vers le chemin de l'accomplissement de ta vie.
      En deuxième, prend le temps de travailler la qualité de la patience. La patience est une vertu primordiale à ta personnalité, car elle te fait comprendre les étapes de la vie et que pas à pas, une chose à la fois tu redresseras tes faiblesses. La patience te guidera vers la maîtrise des étapes à la victoire des buts, que tu entreprends. Cette vertu t'aidera à accepter les erreurs de ta personne et de celle des autres.
      Troisièmement, trouve en toi la joie de vivre. La joie est une petite qualité à quatre lettres. Elle se situe en toi, car chaque moment de ton quotidien elle se manifeste et elle vibre de tout ton être. Elle se manifeste, dans les moments où tu vois un coucher de soleil éblouissant, dans les activités avec tes amis qui te sont chère. Quand tu réussis un travail qui t'inspire et que tu réussis l'accomplissement avec brio. À plusieurs moment la joie se manifeste et tu dois prendre conscience de ces moments, car il font parti de la positivité de ta vie. Elle t'aide à oublier les épreuves que tu dois traverser.
      Quatrièmement, une clé primordiale doit être insérée en toi, celle de la confiance. La confiance est la synergie de l'amour désintéressé. Sans la confiance ton amour vacillera avec le temps. Bâtir la confiance est un travail acharné à ton travail personnel. Cette vertu t'aide à prendre conscience de tes mérites, de te rassurer que les actions que tu fais son juste et t'empêche de regarder constamment en arrière. La confiance te donnera la force d'avancer vers l'horizon de la lumière et croire en toi. 
      Cinquièmement, le courage, est le courant qui aide à te reprendre dans les moments difficiles où la vision de tes buts que tu entreprends devient très ardu. Il t'aide à ne pas baisser les bras dans les moments où tu ne vois plus la manière de franchir une étape, un examen de conscience qui illumine ta pensée à trouver une solution réfléchit et te dire, je vais être capable de réussir. Le courage est le deuxième souffle dans ta course vers le sommet de ta personnalité intérieure.
      Sixièmement, La force fait partie du courage, l'un ne va pas sans l'autre. Le courage est le souffle, l'oxygène qui activera ta force intérieure. La force t'aide à gravir les montagnes et même à certaine étape de ta vie à soulever les montagnes pour trouver les trésors qui y sont enfouis. La force te donne la chance à balayer les nuages de la tempête et de retrouver la chaleur du soleil du bonheur venant de Dieu.
      La septième étapes , la maîtrise de soi, une vertu qui est au sommet de ces étapes intérieures. La maîtrise de soi est l'étape ultime de ta vie  (les actions justes) car par cette vertue plus rien ne fera barrière dans le chemin que tu auras voulu suivre, car les épreuves que tu auras surmonté, te guidera à devenir maître de toi même et ne faire qu'un avec toi même, unis à Dieu et à son Roi.
      La maîtrise de soi te donnera un trésor inestimable qui est celui de l'harmonie. Équanimité ( équilibre parfait) dans tous les sens de ton âme. Tu trouveras la beauté ultime de chaques éléments de la vie, ta conscience sera dans ta pensée comme un métronome parfait; La vrai vie celle de nos rêves deviendra réalité, nous deviendrons un être de lumière. La lumière qui sommeillait en toi jaïllira de toute ta personne.
      Même dans la nuit des plus grandes tempêtes, tu seras un phare éblouissant de Dieu.
       
      SUIVRENT LES INSTRUCTIONS DE NOTRE DIEU JÉHOVAH NOUS MÈNE VERS LE VRAI BONHEUR CELUI DE LA VIE ÉTERNELLE.
      2 Timothée 3: 16-17, Proverbes chapitre 1-3,Galantes 5:22,23  1Corinthien 13: 4-(8 premier phrase)
       



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    • LAWRENCE THOMAS  »  T.B. (Twyla)

      do you have the videos of the rejoice with jehovah's 2021
      · 1 reply
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