Karl Heideck Explain’s Philadelphia’s Lawsuit Against Wells Fargo

The City of Philadelphia filed suit against Wells Fargo Bank on May 15, alleging Wells Fargo violated the Fair Housing Act of 1968. The basic allegation is that the bank used predatory lending practices with minority mortgage borrowers. Wells Fargo Bank denies the charges. The city filed the lawsuit in the U.S. District Court for the Eastern District of Pennsylvania.

Philadelphia investigated Wells Fargo for a year before filing the suit. They examined loan records going back ten years, for the period 2004 to 2014. They found that Wells Fargo discriminated against African-American and Hispanic borrowers by steering them to take out loans that had higher interest rates. Based on their credit records, the minority borrowers should have been approved for mortgages with lower interest rates. White mortgage applicants with similar credit scores did receive these less expensive mortgages with lower interest rates.

African-American homeowners were more than twice as likely than whites with similar credit histories to be steered to the more expensive mortgages. Hispanics were 1.7 times as likely than whites to have to pay the higher interest rates.

Also, Wells Fargo made it more difficult for African-American and Hispanic home owners to refinance mortgages during periods of falling interest rates than for white refinance applicants. This increased the foreclosure rates for the African-American and Hispanic home owners. Because these minority home owners were 4.7 times as likely to go into foreclosure, that increased the level of blight in minority neighborhoods. However, all of the mortgage applicants the city study had FICO scores of 660 or above.

This suit adds to Wells Fargo’s many recent problems. Recently the Supreme Court of the United States ruled that the city of Miami has the legal right to sue the bank under the Fair Housing Act if they can prove a connection between predatory lending practices and the harmful consequences. Philadelphia waited to file its lawsuit until the Supreme Court issued its decision on the Miami case. Other cities could decide to file their own lawsuits against Wells Fargo.

Karl Heideck is an attorney experienced in the areas of litigation, risk management review and compliance. He has worked as an attorney in Philadelphia, and has much experience filing complaints and responding to complaints. On behalf of his clients, Heideck takes actions against individuals and organizations. When his clients need his help, Karl Heideck represents them. Know more about anordinarysoldier.com

Karl Heideck earned a bachelor’s degree from Swarthmore College in 2003. Karl Heideck received his Juris Doctor (JD) law degree from Templeton University James E. Beasley School of Law in 2009.

Julia Jackson: Wine Extraordiniare

Julia JacksonThe winemaking industry has been around for a very long time, and it doesn’t seem to going away anytime soon. Julia Jackson is one of the most respected individuals in this exclusive industry. She’s a proprietor for Jackson Family Wines. This company has been around since 1982, and it was founded her by her father Jess Jackson. Jess Jackson was a wine industry archetype. He was the main reason for the company’s success back in the early days. Unfortunately, he isn’t around anymore, but the remaining family members have done a wonderful job of expanding the brand into foreign markets. Julia also plays a significant role in this action as she’s a part of the international sales team. This team introduces Jackson Family Wines to others at trade shows and at conventions. This woman didn’t always have a strong passion for this business even though she grew up around the business.

Julia JacksonBack in the day, Julia was just like any other young woman. As a child, she would have to go out and pick grapes with her siblings. This would sometimes be in extremely hot weather. This sense of hard work has helped to turn out a great finished product. Julia did a bit of modeling in the early days, and she attended Scripps College. As of today, she is a spitting image of her mother Barbara Banke and this is where she gets her business sense. Seeds of Empowermnet is Julia’s very own non-profit organization, and it celebrates female empowerment. Jackson Family Wines produce many styles of wine including Chardonnay, Champagne, Merlot and Pinot Noir. Its Benchbreak Pinot Noir is a fan favorite thanks to its dark berry colors and berry aromas. The future of the company is in great hands, and the future for Julia Jackson is looking even more brighter.

Freedom Life Insurance Offers Many Flexible Life Insurance Plans

Freedom Life Insurance is a company that is based in Fort Worth, Texas, yet has a national reach in its offerings of life insurance products. It is very customer conscious and takes great pride in is customer service and innovative products.

When it comes to life insurance, there are two fundamental types and it is important that people understand what they are and how they are utilized. Term life insurance is a short-term policy that will eventually expire.

This type of policy is usually issued for 10, 15, 20, and 30 year periods, or terms of time. Term insurance is the least expensive type of life insurance because of its temporary time span of coverage. Read more: http://healthdepotassociation.com/carriers/flica-national-foundation-life-insurance-company/

Term life insurance is used for temporary needs such as covering a family with young children who will eventually be grown and the need for life insurance will be less. It is also used for mortgage coverage and short-term debt. Many term life policies have a conversion feature where the policy can be changed to a permanent policy. Learn more about Freedom Life Insurance: http://www.whitepages.com/business/freedom-life-insurance-co-of-america-fort-worth-tx

Permanent life insurance covers a person as long as he or she lives. It has a fixed premium and a cash value that accrues from within the policy. The cash value can be borrowed against with interest at any time that there is any cash value in the policy. The policy can also be surrendered and the cash value will be paid to the policy owner. Learn more about Freedom Life Insurance: https://www.superpages.com/bp/fort-worth-tx/freedom-life-insurance-co-of-america-L0106853427.htm

Both of these forms of life insurance can also be combined into one plan for the purposes of budget reasons and the brevity of having an overall plan. The licensed and trained agents of Freedom Life Insurance are experts at designing just the right plan that will fit the needs of the customer.

Freedom Life Insurance is very conscious of the servicing needs of their customers and takes great pride in being available at all times for this purpose.

How Bruno Fagali Is Fostering Corporate Integrity At Nova/sb

Bruno Fagali is a reputable lawyer from Brazil popularly known for his founding role at FAGALI Advocacy. As an expert in public and anti-corruption law, Bruno strives for integrity and professionalism when attending to his clients. His work revolves around the urban law, administrative contracts, public civil actions and administrative improbity actions.

Bruno is an active advocate for anti-corruption. He uses his legal skills to develop initiatives that would help in combating corruption. Since most corruption cases arise from the misuse of public funds, he believes that companies should be transparent in their operations to reduce such cases. Bruno Fagali has helped executives in initiating mechanisms that would foster transparency.

Education and work experience

Besides running his law firm, Bruno Fagali handles corporate integrity matters of Nova/sb. Since he started working for the ad agency, his work involves creating an ethics committee for the agency and being in charge of its Corporate Integrity Program. He is also acknowledged for fostering social equality amongst the employees of the company. Nova/sb is among the leading ad agencies in Brazil. The company is credited with developing ad campaigns for world-renowned institutions such as the International Labor Organization and the World Health Organization.

Bruno Fagali went to the Pontifical Catholic University of São Paulo for his LLB. After completing his LLB, he was hired as an associate for Radi Calil Associados Advocacia. He is an associate of the Brazilian Institute of Law and Corporate Ethics. Bruno Fagali has membership in the Society of Corporate Compliance and Ethics.

FAGALI Advocacy

Bruno Fagali set up FAGALI Advocacy with an objective of helping clients who require legal help on the election, public law, corruption and compliance issues. He also uses the firm to foster his law-related agenda. The FAGALI Advocacy is made up of legal experts and associates who are on the verge to help people seek justice on matters related to public law.

Read more: Bruno Fagali reports research that reveals that Brazilian companies are more concerned about adopting anti-corruption mechanisms in 2017.

Madison Street Capital’s Impressive Path to High-End Reputation

Madison Street Capital is one of the most reputable companies that have ever worked towards solving the financial problems facing most other companies in and out of the United States. Learn more about Madison Street Capital reputation: https://network.axial.net/a/company/madison-street-capital/

Madison Street Capital has more than two decades of experience solving the capital needs of other companies and high-end individuals based in and out of the United States.

Because the company has always stayed ahead of the rest in the issuance of unparalleled solutions and financial advice in the industry, their services are adopted on a massive scale in the business world.

For those who are also willing to achieve the most sophisticated business capability, Madison Street Capital is at your end to offer you their solutions for the sake of better business values.

Madison Street Capital is a United States-based international investment banking company that has proved to be a leader in expert financial service deliver.

The company is leading among numerous investment banking companies because of their success at achieving the business solutions for most companies seeking their services in the country.

When Madison Capital saw that their services are adopted on a massive scale, they decided to test the outside world for business valuation processes.

It came to their surprise that the world needed the best services emanating from a high-end company like Madison Street Capital. The reputation of Madison Street Capital goes beyond the borders.

Madison Street Capital has always strived to attain the most sophisticated business capability to assimilate the best in the industry. This is the reason why they have a presence on every continent of the world. When you talk about Africa, Madison Street Capital has offices in South Africa and other parts of the western parts of Africa. Read more: About Madison Street Capital

When you also talk about Europe, Madison Street Capital has a presence in major parts of the continent like London, Berlin, Singapore. When you also talk about Asia, Madison Street Capital has offices and imperative capabilities in other parts of Hong Kong and Bangkok,

Madison Street Capital is an international investment banking company that is committed to the highest form of leadership, integrity, and excellence.

The company is proving to the world that its reputation did not come because they tricked the clients, however, they have always worked towards earning a good reputation for their business leadership skills in the industry. The company has also committed its services to offering the most sophisticated services to the privately and publicly-held companies in the real estate sector.

Madison Street Capital understands that time is of the essence when it comes to solving the problems facing their clients. This is the reason why they always take the shortest period to solve the problems facing its clients in and out of the United States.

Dick And Betsy Devos Are Among the Donors Giving Kennedy Center Millions

In 2006, Dick DeVos took a short at politics as a Republic nominee for the Michigan Governorship. However, he lost to the Democrat candidate, Jennifer Granholm. What many don’t know is that besides politics and business, Dick is a philanthropist. Looking at him as a person, I can only admire his love for charity.

 

As a business person and politician, Dick identifies social problems in the society and effectively comes up with the solution. This is how he is able to meet people and get to express his soft social side. He and his wife Betsy are actively involved in social charity events in Michigan. They are founders of Dick and Betsy Foundation that shoulders a number of educational and health charity facilities.

 

The Foundation recently donated $1 million to the J.F Kennedy Center for Performing Arts. The Center which opened its doors to the public in 1971 boasts of over 3 million visitors annually. The Center had a goal of raising $125 million for expansion and programming initiatives and hopes to fund the entire project through donations.

 

Dick the Philanthropist

 

Dick DeVos was born in 1955 in Grand Rapids Michigan. Throughout his life, he has been a social philanthropist. He founded the Education Freedom Fund which is cited to have awarded scholarship opportunities to more than 4,000 less privileged kids in Michigan. The scholarship also helps children enrolled in West Michigan Aviation School.

 

In addition to education, Dick also funds health and other social facilities within Michigan. Notable health and social charity donations pioneered by him include:

 

 

  • Construction of a heart hospital worth $130 million
  • $212 million convention facility
  • $90 million in a medical school
  • $30 million market facility

 

Dick and his wife are actively involved in the Dick & Betsy Foundation especially DeVos Institute of Management and the Inner City Federation.

 

Dick the Businessman

 

Having graduated from Northwood University with a Bachelor Degree in Business Administration, Dick took to Business. He is an established American entrepreneur and investor. He is best known to have founded Windquest Group in Michigan in 2010 where he is the president. The company deals with clean energy and manufacturing. He is also the founder and chairman of West Michigan Academy.

 

His years of experience in management also earned him an advisory role at Willow Creek. He is a member of the board of directors of the Michigan Chamber of Commerce. He has been an effective director since 2010. He is recorded to have served Amway Corporation as Vice president and President. He also served as Vice President and CEO at Orlando Magic. Both of these two companies are family brands founded by his father, Richard DeVos.

 

Conclusion

 

Dick DeVos is an accomplished business person and philanthropist. His concern for education and health has pushed him to fund several organizations under Dick & Betsy Foundation. He is an inspiring and life-changing Michigan icon.

 

Follow Dick DeVos on Facebook.

Todd Lubar – President at TDL Global Ventures

Todd Lobar is the CEO and President of the TDL Ventures Company based in the United States. For over two decades of professional experience, Todd Lubar has worked to become part of the real estate solution to the housing problem facing most of his clients. Todd Lobar is a graduate of the Maryland State University with the highest honors in a speck Communication Degree. When he graduated, he had no idea he would be one of the most successful real estate agents in the country. Todd Lubar has also been nominated as the best real estate agent of the year on many occasions.

According to Patch, Todd Lobar worked at the Crestar Mortgage Company when he first graduated from college. During that time, Todd Lubar has little knowledge and experience working at the Crestar Mortgage Company based in the United States, however, Todd Lobar used his speech communication degree from the University of Maryland to help communicate better with the clients. Perhaps this is why most clients loved doing business with him. Todd Lubar was an aggressive realtor who was eager to achieve. All that drove his success was the fact that he wanted to achieve more business solutions in a manner that is not paralleled in the business world. For more details visit Patch.

Todd Lubar is also ranked as one of the top mortgage originators. In the Crestar Mortgage Company, Todd Lobar was one of the only people who helped the company secure millions of dollars as investment returns for his special business needs. Todd Lubar is also considered as one of the best entrepreneurs and business people in the country with massive success rates in the TDL Ventures Company he founded after exiting the Crestar Mortgage Company based in the United States.

Todd Lubar worked for the Crestar Mortgage Company for over three decades of professional experience. After graduation, he went on to achieve better business through massive rates of business entities. This is the reason why his services were adopted on a massive scale in the business world. If you are part of the company, you cannot achieve your independent business solution to attain achievement status quotations.

Click here: https://about.me/todd_lubar

DACA & Frontera: Keeping Things Fair

 

The Right Wingers are at it again and this time it is about immigrants’ rights. They have opened attacks against DACA, from several different sides. As a result, what will happen to DACA in this present political climate is anyone’s guess. And the news is spreading light wildfire among organizations who work for rights of young immigrants. DACA stands for Deferred Action for Childhood Arrivals and it is one of the top civil rights groups fighting for the rights of young people, especially students, who are living as undocumented residents.

DACA helps undocumented youth, who qualify based on certain prerequisites, to avoid deportation, get a Social Security number and work in the country for a specified period of time. In many states across the country, applicants can even get drivers licenses. Predictably, the states that want to put an end to DACA are the Republican run states or the “Red” states. Spearheading this campaign to gradually pull the rug from underneath the organization is Ken Paxton, the Attorney General for the state of Texas. He has gone as far as sending a letter to the Trump administration asking them to repeal DACA or face legal consequences if they don’t.

Along with Mr. Paxton, nine AG’s and one governor is part of the letter sent to the Trump Administration. The idea here is to slowly take away DACA as opposed to suddenly ending it. When they get final approval, no one will be able to apply or renew their membership for their program. All this negative news is unnerving mainly because the numbers show that DACA is a success. Over 95% of members work or study and many do both. Organizations such as the Lacey & Larkin Frontera Fund are doing their part to preserve this organization.

Lacey, Larkin and Frontera Fund

Michael Lacey and Jim Larkin are executives who co-founded the Village Voice Media. This is a publication based out of Phoenix, Arizona and it sees itself as an alternative news publication. In 2007, they ran a series of articles questioning the work methods of Sherriff Arpaio. Angered by the publication’s stance, Sheriff Arpaio took Lacey and Larkin into custody using highly questionable means. Eventually, the news made national headlines and after a long legal battle, all charges against them were dropped. However, Lacey and Larkin decided that these kinds of actions by law enforcement cannot go unnoticed in the future. Not only that, they decided to help people who are illegally detained, whether they are legal or illegal immigrants. That is why in a nut shell they found the Frontera Fund.

Everyone is Happy with Securus Technology

The Securus technology was founded in 1986.Since its foundation, the company has never come second in the provision of high-tech. The company has 30 years of experience in the field. In all these years, the firm has been nothing but innovative. It is amazing how the company has managed to stay updated in the field, after all this time. The company serves in 48 states.3400 correctional services and 1.2 million inmates depend on the Securus technology.

The company’s interest is to ensure that the public is safe as well as inmates. This is why they have come up with gadgets that ensure the administration can see everything that is happening in the cells. This is to protect the life of the convicts.

The development that many people have celebrated is the innovation of gadgets that have helped them keep in touch with the outside world. The users are especially happy with the devices that have helped them communicate with the inmates from home. They say that sometimes despite the willingness to know how the convict is fairing, the busy schedule does not allow them to visit them. This has, therefore, been a significant development.

The inmates who have served long sentences are very grateful to the Securus Company. They say that it is through their devices that they have been able to keep in touch with the outside world. The chance to see images and developments have assisted the convicts to feel connected to the world. This has eradicated the fear of life after being released.

Securus technology has played a big role in the society. This is by ensuring that the families don’t fall apart as a result of jail sentences. The users have rated their services very highly. They appreciate the reliability, convenience and affordability that come along with their services.

 

Larkin and Lacey Show People New Opportunities

Larkin and Lacey knew that a lot of minorities were very oppressed for a long time. They also knew that they did not have the same type of opportunities as others and that made it extremely hard for them to try and do things the right way.

Since Larkin and Lacey knew this, they wanted to do something about it and they set about trying to make things easier for minorities through the different ventures that they knew how to do. They wanted to make changes and they knew that change would come as long as they were able to show people the positive sides of the things that they were doing.

All of the things that the men were doing started with their abilities to cater to the general public. They try to show people the opportunities that they can have and give them the tools that they need to be able to get to that point. Read more: Jim Larkin | Crunchbase and Michael Larcey | Twitter

Since the men came such a long way, they knew that they would be able to experience all of the things that would make their lives better. Since the things that they tried to make better made a lot of sense to the men, they decided to share all of these things with them.

The minorities need all the help that they can get. They know what they are able to do and how they can make things easier for different people so they try to keep track of all of the things that are happening in different instances.

Larkin and Lacey have a dedication to the things that they can do and they have remained positive about all of the opportunities that they have for success. Since Larkin and Lacey have tried to do their best and have tried to make things easier for other people, they have also been showing them what they can do to make their lives better.

The men even know that they can go up against corrupt law enforcement people. They know this because they did it themselves and things were fine.

They had to fight a very hard battle, but they eventually won a settlement from the things that they were doing. This made it easier for the men to get the options that they needed and made things better for them so that they could try different things out for the minorities that they worked with.

Despite all of the problems that have now come from President Trump, Larkin and Lacey are doing what they can to make things easier for minorities.

They know a lot about what they can do and all of the changes that they can make so that they will be able to show others what they are getting and what they are doing in their own industry and in their own experiences with the opportunities that they have to be successful in every way possible no matter what happens to them or to other people who deal with similar issues.