Podcasts about nasaa

Hadrat Abdullah ibn Amr ibn Al Aas (ra) Session 21 Worship your Lord till there comes to you the inevitable, Surah Hijir 15:99. Remain steadfast... (Tabarani). Follow a moderate guidance (Ahmad). Beware of immoderation (Nasaa'ee).

What does it take to ace high-stakes exams like the Series 65? In this episode, I sit down with Brian Lee, Founder of TestGeek Exam Prep, to explore his journey from high school science teacher to exam prep expert. Brian shares how his unique teaching approach, tailored for visual learners, bridges the gap between textbook publishers and the actual exam. You'll discover why understanding the exam format, especially multiple-choice strategies, can make the difference between passing and failing. Listen in as Brian provides practical advice on creating a structured study plan, tackling tricky exam sections, and avoiding common mistakes. We also dive into the NASAA and the Series 65, discussing what test-takers need to know to succeed. Whether you're preparing for securities exams or just want insight into effective study habits, this episode is packed with actionable tips to help you achieve your goals. You can find show notes and more information by clicking here: https://tinyurl.com/3hesapzu   

The Ascetic  The Love of Horses There is not a single horse except that it makes a supplication every morning, "make me more beloved to him than his family, wealth & children!" (Ahmad). The Arabian horse makes 2 supplicatins every morning (Nasaa'ee). In extension this could explain why the owners of pets have love & affection for them. A time will come when man will be envied for the speed of his travelling vehicle... (Abu Nu'aym). The Last Hour will not arrive until the distance of the Earth shrinks impossibly closer to each other (Tabarani). During the last period of my Ummah the people will use forms of transport other than flesh & bone (Haakim) view Surah 16:8.

Hadrat Abu Zharr (ra). Session 25 The Ascetic  The 3 partners in Wealth For the majority of the believers what is little and sufficient is far better than the abundant and alluring. Give your wealth in charity and you might perhaps get relief from the severities of the world. Greed is killing you whilst you can never fulfil it (Ibn Abee Dunyaa). They breed what they will bury. They build what will eventually be destroyed. They hold firmly to what is temporary, And They foraskew the everlasting, Abu Zharr (ra). The 3 partners in wealth; Predestination, Heir & You. Thus you strive your utmost and never be the most helpless of the 3. You will never attain piety until you spend out of that which you love (not which is spare) Surah 3 v92. The one rich in his heart will not be harmed by what they face in the world Whilst the one poor in his heart will not be enriched by how much they acquire of this world (Tabrani). Different types of Sadaqah The forms of charity.... Takbeer, Tasbeeh, Tahleel, Tahmeed, Laailaaha'il lal'laah, seeking forgiveness, enjoining the good & forbidding the evil, removing thorns/rocks from a path, guiding a blind man... (Nasaa'ee).

Ken Finnen interacts with hundreds of FINRA test takers per month, so he has a good sense of what's tripping people up. In this episode, Ken shares his insights into what question types, rules and regulations, and suitability questions are confusing people on the FINRA and NASAA exams, and how to beat them. Achievable is a modern test prep platform for the FINRA SIE, Series 6, 7, 9, 63, 65, and 66. Try our courses for free at https://achievable.me 

The biggest change to FINRA and NASAA exams this year is that settlement dates moved from T+2 to T+1. But what does that mean? In this episode, Ken Finnen, a longtime veteran of the finance industry and FINRA tutor for decades, walks you through what settlement dates are, why this change was made, what it means for the industry, and how to get these questions right on your exams. Achievable is a modern test prep platform for the FINRA SIE, Series 6, 7, 9, 63, 65, and 66. Try our courses for free at https://achievable.me 

Join us for rebroadcast  an exclusive Q&A session dedicated to all aspiring finance professionals. Whether you're tackling the Series 7, Series 63, Series 65, or Series 66 exams, this is your golden opportunity to get expert advice, study tips, and answers to all your burning questions. Our panel of seasoned finance professionals and educators are here to guide you through the complexities of FINRA and NASAA licensing exams, helping you to not only understand the material but to master it.   What We'll Cover: Series 7 Exam Prep: Strategies for success in General Securities Representative Examination. Series 63 Exam Insights: Tips for navigating the Uniform Securities Agent State Law Examination. Series 65 Exam Breakdown: Expert advice for the Uniform Investment Adviser Law Exam. Series 66 Exam Guidance: Combining the Series 63 and 65 exams into a comprehensive overview.  When finance laws make you frown,

The pact of brotherhood between Salman Al Farsi & Abdullah ibn Salam (raa). Thabit ibn Qays ibn Shimaas, Al Khazraji (ra) Thabit ibn Qays ibn Shimaas (ra) was killed on The Day of Yamaamah whilst wearing valuable armour. A muslim man passed by him and took it mistakenly. Thabit (ra) via a dream instructs via a dream to retrieve the armour and that Abu bakr (ra) should pay a debt. Abu Bakr (ra)... We do not know anyone whose bequest after death was carried out except Thabit (ra)... Abdullah ibn Ubayd Al Ansaaree (ra)... heard Thabit (ra) say from within the grave... Muhammed is The Messenger ﷺ of Allah SWT, Abu Bakr (ra) is the Sidqdue, Umar (ra) is the martyr and Uthman is the Merciful (Baihaqi). After Surah 2 v49 was revealed, Thabit (ra) believed he was ruined for he had a loud voice thus he avoided the Messenger ﷺ. 'What an excellent man is Thabit (ra)' (Nasaa'ee).

Reflections upon Death & Eternal Life "Allah SWT's favour of keeping the world away from me is greater than His favour of giving it to me... (Abu Naim). We shall gradually seize them in ways they perceive not, Surah 68 v 4... Meaning that He SWT covers them fully with His graces and then prevents them from giving thanks (Siyar). Istidraj - when a servant is given the world despite his disobedience, view Surah 6 v44. The treasures of Kisra in the reign of Umar (ra). Verily the nobility of the people of the world that which they always turn to is wealth (Nasaa'ee).

One of the greatest sins in the Sight of Allah SWT is that when it is said to someone, Fear Allah SWT and one replies [arrogantly] Worry about yourself (Nasaa'ee). Evil is he who is arrogant and rebellious but forgets the origin and conclusion (Tirmidhi). As Prophet Nuh (as) was departing the world he advised his sons, I prevent you from associating with Allah SWT and from pride. I command you to 2 things...لا إله إلا الله  & ِ، سُبْحَانَ اللَّهِ العَظِي These 2 phrases are the salah of every creation and everything is granted sustenance due to them (Nas'ee). Superior worship is humility (Baihaqi).

Join us LIVE for an exclusive Q&A session dedicated to all aspiring finance professionals. Whether you're tackling the Series 7, Series 63, Series 65, or Series 66 exams, this is your golden opportunity to get expert advice, study tips, and answers to all your burning questions. Our panel of seasoned finance professionals and educators are here to guide you through the complexities of FINRA and NASAA licensing exams, helping you to not only understand the material but to master it. What We'll Cover: Series 7 Exam Prep: Strategies for success in General Securities Representative Examination. Series 63 Exam Insights: Tips for navigating the Uniform Securities Agent State Law Examination. Series 65 Exam Breakdown: Expert advice for the Uniform Investment Adviser Law Exam. Series 66 Exam Guidance: Combining the Series 63 and 65 exams into a comprehensive overview. When finance laws make you frown,

The Holy Month of Ramadan and the Glorious Deed of Fasting. And for this [Paradise] let those strive, who wish to strive Surah 83 v26. Whoever Fasts the entire Month of Ramadhan with Belief and expecting reward - then all his past & future sins will be forgiven (Nasaa'ee). The Fast of Ramadhan and Fasting 3 days every month will remove the impurity and whisperings from the heart (Ahmad). Fasting has no equal (Nasaa'ee). Sadaqa & The Holy Lands Lawful wealth spent in a lawful manner washes away sins just as water washes away dirt from a rock covered in dust (Ahmad).

Join us LIVE for an exclusive Q&A session dedicated to all aspiring finance professionals. Whether you're tackling the Series 7, Series 63, Series 65, or Series 66 exams, this is your golden opportunity to get expert advice, study tips, and answers to all your burning questions. Our panel of seasoned finance professionals and educators are here to guide you through the complexities of FINRA and NASAA licensing exams, helping you to not only understand the material but to master it. What We'll Cover: Series 7 Exam Prep: Strategies for success in General Securities Representative Examination. Series 63 Exam Insights: Tips for navigating the Uniform Securities Agent State Law Examination. Series 65 Exam Breakdown: Expert advice for the Uniform Investment Adviser Law Exam. Series 66 Exam Guidance: Combining the Series 63 and 65 exams into a comprehensive overview. When finance laws make you frown,

Covered puts are an option income strategy that is important for traders. These strategies can be tested on the FINRA SIE and Series 4, 7, and 9 exams, as well as on NASAA's Series 65 and 66 exams. Achievable has courses with industry best pass rates for the FINRA SIE, Series 6, 7, 63, 65, and 66. Try our courses for free at https://achievable.me.

In this podcast, we cover the concept of minimum maintenance in margin accounts. Then we walk you through a practice question that could look similar to an actual test question. Margin accounts can be tested on FINRA's SIE, Series 7, 9, and 10 exams, plus NASAA's Series 65 and 66 exams. This is one of many videos available on the Achievable platform - links to our learning program are above! Achievable has courses with industry best pass rates for the FINRA SIE, Series 6, 7, 63, 65, and 66. Try our courses for free at https://achievable.me.

Amr ibn Al-Aas (ra), Session 117 The Fox of The Arabs 'Honour my Companions for they are the very best of you ...' (Nasaa'ee). 'Revile not my Companions' (Bukhari). 'When my Companions are mentioned withhold... When the stars are mentioned withhold When the Decree is mentioned withhold ' (Tabrani). 'Curse be upon those who speak ill of my family & my Companions' (Tabarani). 'There will be discord between my Companions which Allah SWT will forgive, due to them being my Companions. Then certain people will follow (research into) it after them and this will lead them to the Fire' (Qurtobi).

In this riveting episode, delve into the high-stakes world of sales and finance. Experience the intensity of a sales pitch as a broker goes all out to sell penny stocks with immense potential. Listen as he navigates through objections, leveraging his expertise and persistence to close the deal. Meanwhile, an engaging discussion unfolds about the nuances of business strategies, customer choices, and ownership. Discover how women value uniqueness in choices and how brands can cater to this desire. Learn from real-life anecdotes about the importance of being relentless and always closing deals, illustrated through various broker experiences. Gain insights into the psychology of sales, the art of persuasion, and the critical need for adaptability in the financial sector. This episode also touches on the personal growth journey, highlighting the significance of studying hard, staying motivated, and the eventual triumph over challenging financial exams. Whether you're in finance, sales, or just interested in the dynamics of the market, this episode offers valuable lessons and inspiration to keep pushing forward.

oin us LIVE for an exclusive Q&A session dedicated to all aspiring finance professionals. Whether you're tackling the Series 7, Series 63, Series 65, or Series 66 exams, this is your golden opportunity to get expert advice, study tips, and answers to all your burning questions. Our panel of seasoned finance professionals and educators are here to guide you through the complexities of FINRA and NASAA licensing exams, helping you to not only understand the material but to master it. What We'll Cover: Series 7 Exam Prep: Strategies for success in General Securities Representative Examination. Series 63 Exam Insights: Tips for navigating the Uniform Securities Agent State Law Examination. Series 65 Exam Breakdown: Expert advice for the Uniform Investment Adviser Law Exam. Series 66 Exam Guidance: Combining the Series 63 and 65 exams into a comprehensive overview. #series7exam #sieexam #series7whisperer

In this podcast, we walk you through an option hedging strategy that allows you to short stock while capping your downside: short stock and a long call. Options hedging strategies are useful in the real world and also a tested concept on the the FINRA SIE and Series 4, 7, and 9 exams, plus on NASAA's Series 65 and 66 exams. Achievable has courses with industry best pass rates for the FINRA SIE, Series 6, 7, 63, 65, and 66. Try our courses for free at https://achievable.me.

Amr ibn Al-Aas (ra), Session 101 The Fox of The Arabs 40 AH Approaches The Caliphate of Prophethood will remain for 30 years , thereafter kingship will occur (Nasaa'ee). Alee (ra), his armour & a bedouin. The Unholy Plan of the accursed Dogs of Hell.

oin us LIVE for an exclusive Q&A session dedicated to all aspiring finance professionals. Whether you're tackling the Series 7, Series 63, Series 65, or Series 66 exams, this is your golden opportunity to get expert advice, study tips, and answers to all your burning questions. Our panel of seasoned finance professionals and educators are here to guide you through the complexities of FINRA and NASAA licensing exams, helping you to not only understand the material but to master it. What We'll Cover: Series 7 Exam Prep: Strategies for success in General Securities Representative Examination. Series 63 Exam Insights: Tips for navigating the Uniform Securities Agent State Law Examination. Series 65 Exam Breakdown: Expert advice for the Uniform Investment Adviser Law Exam. Series 66 Exam Guidance: Combining the Series 63 and 65 exams into a comprehensive overview. When finance laws make you frown,

In this podcast, Brandon explains sell stop limit orders and how investors utilize them in the secondary market to make transactions. Then we analyze a practice question that could be similar to an actual FINRA or NASAA test question on sell stop limit orders. Achievable has courses with industry best pass rates for the FINRA SIE, Series 6, 7, 63, 65, and 66. Try our courses for free at https://achievable.me.

oin us LIVE for an exclusive Q&A session dedicated to all aspiring finance professionals. Whether you're tackling the Series 7, Series 63, Series 65, or Series 66 exams, this is your golden opportunity to get expert advice, study tips, and answers to all your burning questions. Our panel of seasoned finance professionals and educators are here to guide you through the complexities of FINRA and NASAA licensing exams, helping you to not only understand the material but to master it.   What We'll Cover: Series 7 Exam Prep: Strategies for success in General Securities Representative Examination. Series 63 Exam Insights: Tips for navigating the Uniform Securities Agent State Law Examination. Series 65 Exam Breakdown: Expert advice for the Uniform Investment Adviser Law Exam. Series 66 Exam Guidance: Combining the Series 63 and 65 exams into a comprehensive overview.  When finance laws make you frown,

In this podcast, Brandon explains buy stop limit orders and how investors utilize them in the secondary market. Then we analyze a practice question that could be similar to an actual FINRA or NASAA test question on buy stop limit orders. Achievable has courses with industry best pass rates for the FINRA SIE, Series 6, 7, 63, 65, and 66. Try our courses for free at https://achievable.me.

Join us LIVE for an exclusive Q&A session dedicated to all aspiring finance professionals. Whether you're tackling the Series 7, Series 63, Series 65, or Series 66 exams, this is your golden opportunity to get expert advice, study tips, and answers to all your burning questions. Our panel of seasoned finance professionals and educators are here to guide you through the complexities of FINRA and NASAA licensing exams, helping you to not only understand the material but to master it.   What We'll Cover: Series 7 Exam Prep: Strategies for success in General Securities Representative Examination. Series 63 Exam Insights: Tips for navigating the Uniform Securities Agent State Law Examination. Series 65 Exam Breakdown: Expert advice for the Uniform Investment Adviser Law Exam. Series 66 Exam Guidance: Combining the Series 63 and 65 exams into a comprehensive overview.

In this podcast, Brandon walks you through sell stop orders and how investors utilize them in the secondary market. Then we analyze a practice question that could be similar to an actual FINRA or NASAA test question on sell stop orders. Achievable has courses with industry best pass rates for the FINRA SIE, Series 6, 7, 63, 65, and 66. Try our courses for free at https://achievable.me.

In this podcast, Brandon goes over buy stop orders and how investors use them in the secondary market. Then we analyze a practice question that could be similar to an actual FINRA or NASAA question on buy stop orders. Achievable has courses with industry best pass rates for the FINRA SIE, Series 6, 7, 63, 65, and 66. Try our courses for free at https://achievable.me.

In this podcast, Brandon goes over how sell limit orders work and how investors use them in the secondary market. He then goes over a practice question for the sell limit orders that resembles sell limit order questions on FINRA and NASAA exams. Achievable has courses with industry best pass rates for the FINRA SIE, Series 6, 7, 63, 65, and 66. Try our courses for free at https://achievable.me.

In this podcast, Brandon goes over how buy limit orders work and how investors use them in the secondary market. He then goes over a practice question for the buy limit orders that resembles buy limit order questions on FINRA and NASAA exams. Achievable has courses with industry best pass rates for the FINRA SIE, Series 6, 7, 63, 65, and 66. Try our courses for free at https://achievable.me.

Link to video https://www.youtube.com/live/TLQonVuW3gc?si=QGpCQnUq8z2Zjp2E Join us LIVE for an exclusive Q&A session dedicated to all aspiring finance professionals. Whether you're tackling the Series 7, Series 63, Series 65, or Series 66 exams, this is your golden opportunity to get expert advice, study tips, and answers to all your burning questions. Our panel of seasoned finance professionals and educators are here to guide you through the complexities of FINRA and NASAA licensing exams, helping you to not only understand the material but to master it. What We'll Cover: Series 7 Exam Prep: Strategies for success in General Securities Representative Examination. Series 63 Exam Insights: Tips for navigating the Uniform Securities Agent State Law Examination. Series 65 Exam Breakdown: Expert advice for the Uniform Investment Adviser Law Exam. Series 66 Exam Guidance: Combining the Series 63 and 65 exams into a comprehensive overview.

IF you are taking any of the FINRA Exams.. whether its the Series 7 Exam, SIE Exam, Series 6 Exam or any of the NASAA exams, its very easy to over work and burnout

We teach you how to use hedging strategies in your options trading to limit your risk. This is both useful for retail traders and a key options topic tested on FINRA and NASAA exams. Achievable has courses with industry best pass rates for the FINRA SIE, Series 6, 7, 63, 65, and 66. Try our courses for free at https://achievable.me.

For this Bonus Episode, Declan Wicks of the National Assembly of State Arts Agencies speaks with Mr. Kral and Mr. Aleman about the power of the Arts and about some available career paths. For more information about the NASAA, visit www.nasaa-arts.org or email Mr. Declan Wicks at: declan.wicks@nasaa-arts.org

EPISODE SUMMARY: Ever thought about investing your hard-earned cash but don't know where to start or who to trust? Fear not, as I'm joined by the incredible Miss Kaaren E Hall, an expert in safe investments and due diligence, who passionately educates us on how to protect our investments. She lays out crucial steps to assess investment prospects and offers useful resources such as the NASAA website and FINRA. Drawing insights from the book, The Ruthless Elimination of Hurry, she impressively connects its life-altering principles to the world of investing. In addition, she introduces us to platforms like AARP, an ideal place to research asset sponsors. But it's not all finance talk. We venture into a critical aspect of business – reputation and networking. Miss Hall enlightens us on the significance of a solid business reputation and the power of networking in making successful investments. She reminds us that trust-building requires time, effort, and attention to the minutest details. Our conversation reveals the potential pitfalls of investing and emphasizes the importance of asking the right questions and forming trustworthy relationships. To round off, Miss Hall narrates an eye-opening tale of a potential investor who narrowly escaped a fraudulent investment, underlining the crucial nature of her work in fraud awareness. An episode with a wealth of knowledge for anyone looking to tread the investment path safely and effectively.  KAAREN'S BIO: Despite being in the midst of a recession and mortgage market collapse, Kaaren Hall founded and made a resounding success of uDirect IRA Services. She discovered a strategic way to put her 20+ years in mortgage banking, real estate, and property management to use. The solution was an untapped market for both her skills and for investors – self-directed IRAs. Through uDirect IRA, she has guided tens of thousands of Americans through the process of diversifying their investments using self-directed IRAs with $1B+ Under Management. Learn more about Hall and her thriving company at uDirectIRA.com. GET IN TOUCH WITH KAAREN: https://www.facebook.com/uDirectIRA https://twitter.com/uDirectIRA https://www.instagram.com/udirectiraservices/ https://www.linkedin.com/company/851967 https://www.youtube.com/c/uDirectIRA https://www.linkedin.com/groups/137760/ https://udirectira.com/ EPISODE CHAPTERS: (0:00:13) - Investing Safely Miss Hall shares tips on assessing investments, using The Ruthless Elimination of Hurry, and researching asset sponsors. (0:09:48) - The Importance of Reputation and Networking Miss Hall teaches constructing a successful business, researching investments, forming relationships and trust.

Abdullah ibn Masood (ra) Session 53 Ibn Ummi Abd - The Son of The Mother of The Servant The Jurist of This Ummah The Master of The Secrets 'Do not make the worldly life your main concern or ultimate limit....' (Tirmidhi). 'O my Lord increase me in knolwedge', Surah 20 v114. 'I reckon that a person forgets knowldge that he once knew due to his sins he has committed' (Tabarani). 'Seek aid in your memory by staying away from sins' (Baihaqi). 'Verily a person is deprived of provisions due to sins' (Nasaa'ee).

Abdullah ibn Masood (ra) Session 45 Ibn Ummi Abd - The Son of The Mother of The Servant The Jurist of This Ummah The Master of The Secrets The Messenger becomes poorly... a severe fever that a man cannot bear to place his hand upon him SAW For the Prophets the affliction is doubled as is the rewards (Abo Yalaa) The believer dies with sweat on his forehead (Nasaa'ee). The intoxication of death brings the truth... "This was that which you tried to evade" Surah Qaf v19. Our Mother Ayesha (raa) said 'I do not envy anyone for whom death is made easy after I saw the severity of the death of The Messenger (Bukhari). I never saw the pain of any person more intense than that of the Messenger (Bukhari).

Joseph Borg, Director of the Alabama Securities Commission, recently retired after 29 years of service to Alabama.  He talks with Carolyn Hutcheson, In Focus host, about the national leadership and success of the Commission in fighting securities fraud.  Borg will continue to be an In Focus guest with his perspective as a Board member of the National White Collar Crime Center.  He also served several terms as President of NASAA, the North American Securities Administrators Association, creating international partnerships to address securities crime.

Para as empresas, escolher a tecnologia errada é pior do que não fazer a transformação digital. Lideranças corporativas conseguem pensar como futuristas para decidir estratégias? Se usar o modelo mental e práticas de foresight, conseguem. O "como", a gente foi descobrir entrevistando os professores Pedro Vergueiro e Paulo Alves, da Fundação Dom Cabral, e a futurista corporativa Catarina Papa. Juntos eles estão desenhando um novo curso na FDC para treinar pensamento futuro. Ouça que tá bacana. Links do episódioPara conhecer o curso Emerging Technologies for BusinessO filme Ela, dirigido por Spike JonzeO livro "Um século em quatro atos: uma projeção do século XXI", do professor Paulo AlvesO programa Artemis, da NASAA série "The Big Door Prize (A máquina do destino)", na AppleTVO livro "NFTs Are a Scam / NFTs Are the Future: The Early Years: 2020-2023", de Bobby HundredsO livro "Um novo jeito de pensar o futuro", de Yancey Strickler_____FALE CONOSCOEmail: news@theshift.info_____ASSINE A THE SHIFTwww.theshift.info

This episode is next in the podcast series, #AskPattiBrennan - a series of episodes in which Patti answers one of her listener's frequently asked questions.  These podcasts are shorter in length and address one FAQ or RAQ (a rarely asked but should be asked) question.  In today's episode, Patti unveils the myriad of ways that criminals use to defraud and take advantage of innocent investors and consumers.  From complex Ponzi schemes to “too good to be true” annuity ploys, investors need to be wary of these predators.  Listen today to hear the latest tactics to be aware of so you can protect your portfolio and the financial futures of those you care about.  

For the first time since the Apollo Program, NASAA has contracted for new spacesuits for the Moon and beyond. Join host Dawn Meyer, Space Coast News Editor and see how this suits you!

Happy New Year from the SILASPeaks Team! Allister and Guest Host, Margie Webber are here to kick off the new year by interviewing Natasha Hurt,…

Variable insurance policies are considered a security, and therefore the only type of insurance that requires FINRA and NASAA licensing, but they're a key part of the FINRA Series 6 and included in the NASAA Series 65 and Series 66 exams. In this episode, Ken Finnen, a longtime veteran of the finance industry and FINRA tutor for decades, starts with an overview of the different types of insurance policies before diving into specific things you need to know for the Series exams related to variable insurance. Achievable is a modern test prep platform for the FINRA SIE, Series 6, 7, 63, 65, and 66. Try our courses for free at https://achievable.me 

1. La probabilidad de recesión en EE.UU. llega al 100% para el próximo año, estima Bloomberg. Mientras que la economía mundial se encuentra en su peor estado en cuatro décadas, afirma exsecretario del Tesoro de EE.UU y acá en Puerto Rico, todavía no nos recuperamos de Fiona y nadie habla de esto. 2. Defiende Nydia Cotto Vives la gestión del FEI ante informe de gastos multimillonarios en contratos de abogados. 3. En proceso de privatización las Cavernas de Camuy, denunció el representante Ángel Matos. 4. Incautan 205 libras de cocaína en puertos de San Juan y Ponce. 5. A un mes del huracán Fiona: en ciernes el proceso de recuperación, miles de familias todavía enfrentan circunstancias de emergencia, sin luz eléctrica y con carreteras colapsadas, mientras Salud continúa sumando muertes indirectas. 6. División en el PPD: cuestionan votación de la Junta de Gobierno que permite a Dalmau seguir como presidente hasta finales de 2023. La decisión de cancelar la elección de la nueva jefatura provocó malestar e, incluso, la salida de figuras, como José Alfredo Hernández Mayoral, de las posiciones que ocupan. 7. El director ejecutivo de la Autoridad para las Alianzas Público Privadas (AAPP), Fermín Fontanés, admitió que su agencia carece de suficiente personal para operar la división encargada de monitorear el cumplimiento de contratos como el de LUMA Energy y Aerostar Airport Holdings. 8. El Gobernador pedirá flexibilización de la Ley Jones para Puerto RicoEl gobernador Pedro Pierluisi se propone acudir al Congreso para solicitar una mayor flexibilidad en las leyes de cabotaje, lo que permitiría la importación de gas natural o combustibles más fácilmente cuando el traslado no sea desde un puerto de bandera estadounidense. 9. Ozuna se convierte en apoderado de los Osos de Manatí en el BSN 10. Puerto Rico será la sede de National Assembly of State Arts Agencies en 2024. El anuncio se hizo durante la asamblea de NASAA de este año celebrada en la ciudad de Kansas City, Missouri. 11. Crean en EE.UU. una nueva cepa del coronavirus que causa un 80% de mortalidad en ratones El estudio todavía se encuentra en estado de prepublicación y debe ser revisado por pares. 12. No fueron los indios tainos los primeros en habitar la isla de Santo Domingo. Hallazgo de más de 5,300 años determina que eran otros habitantes Éstas y otras noticias, hoy En Blanco y Negro con Sandra. - - - Este programa se transmite por las siguientes emisoras, y por sus respectivas plataformas digitales, y aplicaciones para dispositivos Apple y Android: 1. Cadena WIAC - WYAC 930 AM: Cabo Rojo-Mayagüez 2. Cadena WIAC – WISA 1390 AM Isabela 3. Cadena WIAC - WIAC 740 AM: Área metropolitana 4. WLRP 1460 AM Radio Raíces: La voz del Pepino en San Sebastián 5. X61 610 AM: Patillas y toda la zona sureste 6. X61 94.3 FM:Patillas-Guayama 7. Mi Podcast: Anchor, SoundCloud y demás. https://anchor.fm/sandrarodriguezcotto Redes Sociales: FACEBOOK, TWITTER, INSTAGRAM, LINKEDIN · E-mail: Enblancoynegroconsandra@gmail.com · BLOG: http://enblancoynegromedia.blogspot.com --- Support this podcast: https://anchor.fm/sandrarodriguezcotto/support

NASAA recently released proposed revisions to REIT regulations, beginning a 30-day public comment period that was originally to end on August 11. But industry veterans argued that some of the proposed revisions aren't all they're cracked up to be, and so NASAA recently extended the REIT commend period to September 12. Anya Coverman, senior vice president of government affairs and general counsel at the Institute for Portfolio Alternatives (IPA), joins the show to discuss the the NASAA's proposed revisions, and why the IPA strongly opposes them. Show notes: https://altsdb.com/2022/08/anya-coverman-047/

Episode 18 features the latest episode of NASAA's webcast series, NASAA's Senior Issues and Diminished Capacity Committee Presents. It addresses the theme “Financial Services Industry Experts Speak.” In this recording, speakers from the financial services industry discuss how they work within their firms and with other stakeholders to mitigate vulnerable investor harm.

Episode 17 features the launch of NASAA's new webcast series, "NASAA's Senior Issues and Diminished Capacity Committee Presents." This webcast series was developed by NASAA's Senior Issues and Diminished Capacity Committee to provide an inclusive platform for learning from the best and brightest minds who will discuss issues that matter most to those dealing with at-risk investors. The webcast episode you're about to hear featured the theme “Cognition, Problems and Solutions” and addressed new ways to better understand the brain and cognition. The presenters in this recording discussed how environment, age, gender, and other factors can impact an investor's ability to make sound financial decisions and the steps to be taken to prevent financial exploitation.

Welcome back to the Compliance In Context Podcast! Today’s episode features the fifth in a series of shows we refer to as the Lessons From The Front Lines series. These shows focus on real-life, tough-to-tackle subjects that other industry professionals and regulators have faced on the front lines of our industry. Today we have the pleasure of speaking with Enforcement and Investigations Chief Richard Szuch of the New Jersey Bureau of Securities to discuss one of the most critical issues affecting the investment management industry—namely—how firms can address issues and challenges with senior investors and investors with diminished capacity. Interview The importance of investor protection What is the Bressler Map and what is its purpose? What is the mission of the NASAA Senior Diminished Capacity Committee? How has the “NASAA Model Act to Protect Vulnerable Adults from Financial Exploitation” impacted the industry? What expectations should firms have in order to properly supervise these activities? Enforcement trends in the area of senior investor exploitation How will investor protection continue developing in the future, both from an industry side and a legal/compliance side? Quotes: “I would say, from the very beginning I was keeping an eye on victims, their profiles, and how they could be exploited. We definitely had cases, when I was a prosecutor, that were ‘white collar type crimes.’ And obviously bad actors are looking to exploit people that are vulnerable, whether it’s their age or if they have some other vulnerability.” - Richard Szuch “Every state had a law that applies to exploitation to older people but it’s usually about their personal safety, whether their home is secure, whether they’re physically okay. Some states have exploitation regarding finances in their laws. But then there’s been a new group of laws that have developed with the advent of NASAA’s Model Act.” - Richard Szuch “40 or 50 percent of the investment advisory firms surveyed had not really changed their way of doing business in the past five years. So if I were to say that there was one thing that really needs to get out there, it’s education for the investors and for the firms, about the importance of this structure to be put around their business.” - Richard Szuch “NASAA just put out (with the SCC and FINRA) a training module that, in essence, mimics what I used to do when I was in private practice, to train firms about what they needed to know.” - Richard Szuch Resources: Compliance in Context Contact Form Compliance in Context, LinkedIn Twitter: @compliancepod Compliance in Context

16 focuses on NASAA's 2022 Top Investor Threats. Joseph P. Borg, NASAA Co-Chair of the Enforcement Section Committee and Director of the Alabama Securities Commission, and Joseph Rotunda, NASAA Vice Chair of the Enforcement Section Committee and Director of the Texas State Securities Board Enforcement Division, will describe what these top threats are, and why all investors should be concerned.

This episode highlights NASAA's investor education efforts, with commentary from Tom Cotter, Co-chair of NASAA's Investor Education Section Committee and Alberta Securities Commission Vice-Chair; and Jillian Lazar, Co-chair of NASAA's Investor Education Section Committee and Director of Investor Protection with the Delaware Department of Justice.

Chair of NASAA's Regulation Best Interest Implementation Committee and Ohio Securities Commissioner Andrea Seidt discusses notable findings from NASAA's 2021 Reg BI Phase Two Report. The report announces the results of a nationwide survey conducted by state securities regulators that provides the first comprehensive look at broker-dealer industry policies and practices following the implementation of Regulation Best Interest (Reg BI) by the Securities and Exchange Commission.

Alee ibn Abu Talib (ra) session 224. "Do not revile the companions." (Bukharee) Leave that which doesn't concern you and be eager for what benefits you. "Honour my companions because they are the best of you." (Nasaa'ee)

SEC diminishes roadblocks to proxy proposals on social policy. SEC Chair warns of enforcement "without quarter." OCC Acting Comptroller calls for regulation of crypto banking. Financial Services Subcommittee considers regulatory gaps in cybersecurity. FINRA updates FAQs on renewal program deadlines. NASAA reports minimal movement on Reg BI implementation. FHFA proposes additional public disclosure requirements for Fannie Mae and Freddie Mac.

Federal financial regulators support climate objectives. CII supports House bills to address risks posed by foreign issuers in U.S. markets. FDIC establishes Minority and Community Development Banking Office. NASAA extends waiver of registration system fees for state investment adviser firms.

NASAA Senior Issues and Diminished Capacity Committee Chair and Washington State Department of Financial Institutions' Licensing and Examination Supervisor Kristen Standifer describes what a trusted contact is and how it can help protect investors from fraud. She also describes NASAA's recent joint announcement with the SEC and FINRA on trusted contacts, and how this collaborative works to protect all investors and their investments. 

Welcome back to the Compliance In Context Podcast! On today’s episode, we welcome in the President of the North American Securities Administrators Association, Melanie Lubin, for an insider’s look into what’s happening at NASAA including new areas of focus like continuing education, Reg BI, senior investors, and much more. In our Headlines section, the first-ever bitcoin-linked exchange-traded fund will began trading recently and the SEC provided comments on the regulatory issues involving GameStop trading from January of earlier this year. Finally, we’ll wrap up today’s show with another installment of History Has Your Back, as we review a posthumous quote from one of the world’s most well-traveled chefs to better understand how we can maximize our knowledge in compliance. Topics: Headlines The first-ever bitcoin-linked exchange-traded fund (ProShares) began trading on 10/19/21. Four proposed bitcoin ETFs are in line for an October decision from the SEC on whether to approve, deny or delay their submissions (Valkyrie Investments, Invesco, and VanEck) In a new report, the SEC reviewed regulatory issues involving GameStop trading in January 2021. SEC Commissioners Hester M. Peirce and Elad L. Roisman criticized the report as too narrative Chair Gensler stated the review of the GameStop event presented the SEC with opportunities to further make the equity markets as fair, orderly, and efficient as possible. Interview What is the NASAA and how was it formed? What is the mission of NASAA? What are some of the current initiatives the NASAA is really focused on now? Where does the IARC stand now? What did Phase I of NASAA’s Reg BI efforts look like? What changes have firms made since Reg BI has been adopted? What is NASAA working on in the senior investors space? What about Report and Hold? How can compliance officers can be the best defense in this area? What is the Whistleblower Act? What is the background on the Restitution Pool for defrauded? History Has Your Back Quote from celebrity chef Anthony Bourdain demonstrates empathy and many of the soft skills important for compliance officers Taking the time to connect and understand our colleagues will pay dividends personally and professionally. The 2021 NSCP National Conference is just around the corner! Quotes: “And really the ultimate goal is for us to make a determination about whether the rule as it stands is really moving has raised the bar for how brokers act in relationship to their clients and is it really driving the behavior towards the customers best interest.” - Melanie Lubin “This is important—here's the explanation: customers, particularly elderly customers, tend to be worried that somebody's going to get their hands on their money and all the things that we've taught them to be worried about—But [we] want them to understand that a trusted contact is not a power of attorney, but it's someone that if you’re the person you have a professional relationship with starts to get a little bit worried about what's going on, they could pick up the phone and call that other person.” - Melanie Lubin Resources: Compliance in Context Contact Form

This episode profiles current NASAA President and Maryland Securities Commissioner Melanie Senter Lubin.

U.S. House Financial Services Committee considers legislation on SEC oversight. FRB Vice Chair warns of "intensified" regulatory focus on institutional LIBOR planning. Financial trade associations urge Senate leaders to exclude MODA from any budget reconciliation process. SEC approves MSRB amendments to annual customer notification requirements. NASAA seeks comment on proposed model rule addressing unpaid arbitration awards and fines. Broker-dealer settles FINRA charges for municipal security short position supervisory failures. IOSCO launches fifth annual world investor week. FinCEN provides relief to FBAR filers affected by natural disasters. Comment deadline set for FINRA-proposed fee for new municipal advisor principal exam.

CFTC Staff provides capital, reporting relief to non-U.S. dealers. CFTC staff grants three swap dealers relief in anticipation of capital requirements final rule. ISDA CEO forms digital asset working group to standardize crypto derivatives contracts. ISDA CEO urges regulators to address proposed Basel III Market Risk Rules for Carbon Certificates. Swap Dealer settles CFTC charges for inaccurate daily large trader reports. CRS recommends actions to enhance federal cybersecurity management. MSRB breaks down budget for fiscal year 2022. NASAA reports on 2021 enforcement actions. Security Traders Association opposes proposed modernization of Derivatives Act. Senate confirms CFPB Director.

CFTC Commissioner Dan Berkovitz to join SEC as General Counsel. SEC Advisory Committee focuses on digital engagement practices. Two subsidiaries of Dutch Oilfield Services company settle separate OFAC charges. SEC charges two individuals with wash trading in "meme stocks." FINRA, NASAA and OIEA launch investor initiative to promote the designation of "trusted contacts." Treasury Secretary and FRB Chair testify on pandemic relief efforts. SEC awards whistleblower approximately $36 million. SEC names Division of Corporation Finance Deputy Director.

Acting OCC Comptroller identifies financial crisis lessons for the crypto industry. OFAC updates ransomware advisory. NASAA examinations report highlights senior investor protection policy deficiencies. Broker-dealer settles NYSE charges for order routing violations. NASAA approves diversity, equity and inclusion statement. Effective date set for NFA late fee amendment and interpretive notice on certain IM model-related filings.

FTC approves new compulsory process resolutions. FDIC sets up new mission-driven bank fund. NASAA offers recommendations on implementing Model Act to protect seniors from financial exploitation. Coinbase applies for FCM registration. SEC awards whistleblower for independent analysis; Total payouts since 2012 surpass $1 Billion. Effective date set for FTC amendments to affiliate marketing rule. SEC approves MSRB extension for municipal advisor principal qualification examination. Effective date set for NFA amendments to definition of "branch office."  

Welcome back to the Securities Compliance podcast. On today’s show, we do a deep dive on the 2021 Investment Adviser Section Report from the North American Securities Administrators Association highlighting 2020 activities for NASAA and its broader application to the compliance profession. For our interview segment, we welcome in Lilian Morvay to provide our listeners with valuable insights on the impact of insurance on compliance and how varying types of insurance (D&O, E&O, Cybersecurity, Professional Liability Insurance) affect how broker-dealers and RIAs are doing business today. Finally, we’ll wrap up today’s show with another installment of the History Has Your Back segment, where we look back at the life of fireman hero Ed Pulaski, and the importance of finding the right tool. Headlines NASAA April 2021 Investment Adviser Section Report highlighting 2020 activities Metrics surrounding state registrants Model Rule on Written Policies and Procedures Compliance Grid Cybersecurity Checklist and additional guidance Interview What is the purpose of insurance and the importance of risk transfer? Detailing different types of insurance impacting broker-dealers and RIAs The intricate details surrounding cybersecurity insurance What to consider when purchasing professional liability insurance What do you do if you have a claim? What’s on My Mind Reviewing the life of hero firefighter Ed Pulaski The Pulaski Axe Why having the right tool can make all the difference Quotes: “One thing to consider from a client perspective, do you want to do business with a company that has not protected itself with a policy?” “If you think about have professional companies protect themselves, think about yourdentist, think about your doctor, think about your attorney, think about your accountant—these individuals are providing a professional service, and there are times when they will commit a negligent act; they will inadvertently cause injury to their client. And the clients, have the opportunity to recover any damages or any losses related to that injury. Those services are insured by professional liability policy. Professional liability insurance policies are also available to companies that are in the financial sector—broker dealers, registered investment advisers.” “It’s very important for broker-dealers when they are considering pursuing professional liability insurance, number one, to make sure that they have an insurance broker who’s very familiar with that type of policy.” “Fortunately, there are a number of carriers that are extending coverage for broker-dealers and RIA’s for cyber.” Resources: Compliance in Context

SIFMA urges FINRA to reconsider extended settlement margin proposal. FDIC seeks comment on digital asset use by banks. Treasury updates report to Congress on Hong Kong Autonomy Act. OCC reports on elevated risks for banks amid improving economic prospects. NASAA approves Model Act for states to establish restitution funds. OFAC extends authorization of securities transactions involving certain Communist Chinese military companies. Cadwalader Clients & Friends Memo: 7-Eleven/Speedway: Bumps on the Road to Closing: Are Conventional Closing Conditions Sufficient to Protect Buyer Interests?

Attorneys General urge Congress to invalidate OCC "true lender rule." CRS reviews SEC disclosure policy and practice on climate risk. Financial Services Committee passes racial equity, consumer protection and public company disclosure bills. FDIC proposes rule to strengthen enforcement against misuse of FDIC name. NASAA reviews 2020 regulatory actions, project group reports and COVID-19-related challenges. SEC names Director of Enforcement.

Growing the organic growers of tomorrow with a co-operative modelHarcourt Organic Farming Co-operativeAmanda Scott chats to Hugh and Katie Finlay of Harcourt Organic Farming Co-operative.Realising as they aged, they could not physically continue with all the farm work required, Katie and Hugh formed a co-operative that would not only ensure the farm's continued productivity, it would also help mentor the next generation of farmers and offer them greater lease security.The farm includes five enterprises on site: including a dairy, orchard, market garden, fruit tree nursery and the Grow Great Fruit online teaching business. The couple share their secrets to making it work: From negotiating watertight contracts to building community and trust among its members.In this episode we explore:Katie's discovery of her ‘inner farmer'Graceful exit: Reaching a stage that they could not physically continue with farm work and looking towards successionCreating a model with Gung Hoe GrowersCreating a campaign and https://gunghoegrowers.com.au/prospectus to engage with a new orchardistDeciding on a co-op model: To ensure the four business were not duplicating effort and costs.Negotiating with NASAA for the four businesses to be certified under the oneCo-marketing benefitsThe growing interest of young famers and the importance of growing the next generationNurturing the happy farming family: The importance of regular check-insThe importance of lease security for young farmers: establishing 9-year leases with the farmers signing up each three yearsUsing a consultant to get the base template right and negotiating with farmers to make it fair for all partiesEgos and personalitiesBuilding goodwill in the community volunteers, chefs, customersCommitment to environment, a commitment to sustainability, to regenerative agriculture, to organicsThe importance of mentoring and the gift growing young passionate farmersNewsletter and Weekly co-op blogExtra resources:Grow Great Fruit websiteHarcourt Organic Farming co-op websiteBecome a member of Grow Great FruitGrow Great Fruit Free Online Workshops:Subscribe to the Harcourt Organic Farming Co-Operative Newsletter.

CFTC Commissioner explains rejection of futures on NFL games. SEC Corporation Finance Acting Director addresses disclosure liability risk of SPACs. People's Bank of China confirms digital yuan's use for cross-border transactions. NASAA issues advisory on ESG investing. Effective date set for FRB rule on the role of supervisory guidance. SEC Office of the Whistleblower Chief to step down.

Senate Banking Committee Chair Sherrod Brown criticizes "gamification" of GameStop. NASAA promotes protection of retail investors in federal legislative agenda. FINRA offers guidance on sales charge discounts for investment fund products. NFA proposes compliance rule for CPO members. FinCEN issues notice on trade in antiquities and works of art. CFPB: discrimination by lenders on the basis of sexual orientation and gender identity is prohibited. FINRA names new executive vice president and head of market regulation and transparency services.

Welcome back to The Securities Compliance Podcast! In the final episode of Season 1, we begin by discussing recent remarks from SEC Commissioner Peirce regarding the Game Stop situation and how it might impact the industry moving forward, as well as a warning from securities regulators to help raise awareness about the threats of social isolation and investment fraud. For our feature interview, we welcome in former NSCP Board Member Rob Tull for an in-depth conversation focusing on the stress and demands inherent in being a legal and compliance professional that can lead to personal and career burnout, and what you can do to reclaim your sanity and energy, and even increase your creativity for problem-solving. Finally, we’ll wrap up today’s show with another installment of the What’s On My Mind segment, where we do a deep dive on newborn babies, sleep deprivation, and compliance. Headlines Commissioner Peirce Reaffirms SEC Mission to improve the way markets work and to make them work for more people in Light of GameStop SEC, NASAA, FINRA raise awareness regarding social isolation and Rrsk of investment fraud Interview Demands of being a legal/compliance professional can lead to personal and career burnout Understanding the causes and impact of stress Managing the challenging expectations of compliance professionals. The fallacy of stress Stressful environments and the impact on decision making Getting comfortable with risks and deep water survivors Best practice recommendations to stay grounded and increasing your creativity for problem-solving What’s on My Mind Newborn babies and the notion of banking sleep Acclimating yourself to a stressful or challenging environment Training your compliance program to perform at its best Quotes: “Stress is actually a form of a threat response.” “Deep water survivors are the kind of people that if you were at the beach, they seem like the crazy person that swims way past out the breakers and you're just like “Where are you going? You’re going to drown.” And what I found in people that are like that is that they have an equation for risk which basically says my risk of a problem exists in the first 10 feet of water. Everything else below that is irrelevant. If I solve the top 10 feet of water I'm not drowning, so it doesn't matter how deep the water is. And so that got me thinking about in risk solving...you get so wrapped up in the details that you forget the fundamentals, which is if I do these core things at the top—and again if I just rely on compliance principles, not necessarily the specifics of the rules, but if I know my principles, and I can nail my principles down—then I shouldn't have to worry about how deep the risk is, if I can do the basics, I will survive. It might not be pretty, but I'll survive.” “So what I found for me is when we're stressed out, we're running on depleted resources. And not only that there's a burnout factor, and it's like it's a question of “What are you willing to lose in the process of burning out?” And, we have to, we have to be willing to step out of that situation.” Resources: Compliance in Context

Linda and Paul Mitchener are two passionate gardeners and the owners of a fabulous Perth-based soil company appropriately called Green Life Soil Co., which is organically certified. In this episode, they help us understand what the term "organic" actually means, why we might think about making the switch to an organic gardening approach, and some of the ways we can practically garden organically.EPISODE LINKSVisit the Green Life Soil Co. website: https://www.greenlifesoil.com.au/home Contact Green Life Soil Co.: https://www.greenlifesoil.com.au/contact-usPerth Gardening Tips: https://www.greenlifesoil.com.au/perth-gardening-tipsGreen Life Soil Co. have obtained organic certification through NASAA (no, not that NASA): https://nasaaorganic.org.au/FOLLOW US ON SOCIAL MEDIATwitter: @PlantsGrowHere / Facebook: @PlantsGrowHerePodcast - Join our Facebook group!VISIT OUR WEBSITEwww.PlantsGrowHere.comYou'll find heaps of educational blog articles, including  What Is Healthy Soil, And How Can We Build It?, How To Encourage Soil Biodiversity In The Garden & 8 Types Of Soil-Dwelling Organisms, and Organic vs Artificial Fertilisers & The Best Options To Keep Your Plants Satisfied.LET'S WORK TOGETHERAre you in the industry or an enthusiast with something of value to share? We're always on the hunt for interesting people, doing interesting things. If you'd like to work with us send a message via our online form or a direct email to plantsgrowhere@gmail.com.

Membaca 1x اَللَّهُمَّ أَعِنِّيْ عَلَى ذِكْرِكَ، وَشُكْرِكَ، وَحُسْنِ عِبَادَتِكَ Allaahumma a'innii ‘alaa dzikrika, wa syukrika, wa husni ‘ibaadatik. “Ya Allah, tolonglah aku untuk berdzikir kepadaMu, bersyukur kepadaMu, serta beribadah dengan baik kepadaMu.” [HR. Abu Dawud, An-Nasaa'i, Ahmad, dan lainnya] Membaca: سُبْحَانَ اللهِ (٣٣ ×) اَلْحَـمْدُ ِللهِ (٣٣ ×) اَللهُ أَكْـَبرُ (٣٣ ×) “Mahasuci Allah (33x). Segala Puji bagi Allah (33x). Allah Mahabesar (33x).” ▪︎ Keterangan: Dzikir di atas dapat juga dibaca dengan bacaan: سُبْحَانَ اللَّهِ، وَالْحَمْدُ لِلَّهِ، وَاللَّهُ أَكْبَرُ (٣٣ ×) Subhaanallaah, wal hamdulillaah, wallaahu akbar “Maha suci Allah, segala puji bagi Allah, Allah Maha Besar (33x).” [HR. Bukhari & Muslim] Dzikir di atas dihitung dengan jari tangan kanan. Abdullah bin Amr berkata: “Aku melihat Nabi shallallahu ‘alaihi wa sallam menghitung tasbih dengan tangan kanannya.” [HR. Abu Dawud dan Tirmidzi, Shahihul Jaami' no. 4865] Kemudian melengkapi menjadi 100 (seratus) dengan membaca: لَا إِلَهَ إِلَّا اللَّهُ وَحْدَهُ لَا شَرِيكَ لَهُ لَهُ الْمُلْكُ وَلَهُ الْحَمْدُ وَهُوَ عَلَى كُلِّ شَيْءٍ قَدِيرٌ Laa ilaaha illallaah, wahdahu laa syariika lah, lahul mulku wa lahul hamd, wa huwa ‘alaa kulli syai in qodiir. “Tidak ada Tuhan yang berhak disembah kecuali Allah saja, tidak ada sekutu bagi-Nya, milikNya kerajaan dan milikNya pujian. Dan Dia Mahakuasa atas segala sesuatu.” [HR. Muslim] ▪︎ Keterangan: Rasulullah shallallahu ‘alaihi wa sallam bersabda: “Barang siapa yang bertasbih sebanyak 33x, bertahmid sebanyak 33x, dan bertakbir sebanyak 33x setelah melaksanakan shalat fardhu sehingga berjumlah 99, kemudian menggenapkannya untuk yang keseratus dengan ucapan ‘laa ilaaha illallaah, wahdahu laa syariika lah, lahul mulku wa lahul hamd, wa huwa ‘alaa kulli syai in qodiir', maka kesalahannya akan diampuni meskipun sebanyak buih di lautan.” [HR. Muslim]

Public companies, investors, and financial services firms may be subject to state securities laws, sometimes called “Blue Sky Laws.” At the heart of the state regulatory system is the North American Securities Administrators Association (NASAA), which represents state and provincial securities regulators in the United States, Canada, and Mexico. On this episode of inSecurities, we chat with NASAA's General Counsel, Vince Martinez, about the role of NASAA, some of its members' policy positions, and its relationship to the SEC and other securities regulatory agencies.  Please note: CLE and CPE credit are not offered for listening to this podcast, and the views and opinions expressed within represent those of the speakers and not necessarily those of PLI.

In episode No. 13 of Human Capital, we talk with Christopher Gerold, president of NASAA and chief of the New Jersey Bureau of Securities, about the relief put in place by state securities regulators because of the coronavirus pandemic.

Jenie Gao, artist and muralist is here to decimate the "starving artist" myth and show how she quit her full-time corporate job and made the leap into the art world. She is now a successful full-time artist, creative director, and entrepreneur and is ready to drop some art biz knowledge bombs on the creative entrepreneurs, artists, illustrators, muralists, and other creatives out there who are working on pursuing their own creative businesses.  Jenie pulled from her experience working in the arts, public education, and lean manufacturing to build a business that allowed her to continue developing her passion while making a positive impact on the world around her. She now specializes in printmaking, murals, public installations, and arts project management and has built a business that allows her to bring budding artists along in their journey as well.  In this episode, you will learn: The impact the “creativity gap” is having in schools and on society What Jenie did to prepare for setting out as an entrepreneur The obstacles she faced in her entrepreneurial journey as a first-generation American Why artists need to be expanding their network outside of other artists and creatives What legal considerations artists need to make when running an art business How creativity is a survival tool How you can become more involved in public art LINKS National Assembly of State Arts Agencies (NASAA) is full of helpful information on art funding and more. Episode 42: Everything is a Remix and That’s OK Episode 6: Do You Need an LLC? You can learn more about Jenie Gao on her website and social media: Website: jenie.org Facebook:https://www.facebook.com/jeniesart/ Instagram: https://www.instagram.com/jeniegao/ Twitter: https://twitter.com/jeniegao Tips for striving artists and creatives Look up the organizations in your area. Most cities, in urban and rural areas, have in arts board. Jenie Gao recommends that every artist should serve on one of these boards or commissions. It allows you to see the backend of how decisions are made within the city or nonprofit. It’s also a great way to get plugged in and start building a more diverse network.   File your business as an LLC. The process varies based on where you live, but generally, it’s relatively easy and inexpensive. It’s one of the things that Jenie stresses for all artists to do.  Learn to negotiate a contract. Understanding how to lead and negotiate a contract is critical for artists. You need to know how to keep negotiations going and when it’s time to walk away.  Get business insurance. You might have clients that think they can save money on the contract by obtaining the scaffolding that you need to paint your mural for you, but as soon as you remind them of the liability that comes with it, they’ll be singing a different tune. Make sure that you have the proper insurance to cover yourself and anyone that you have working with you. Learn about the laws and infrastructures that exist. The more you know the better art advocate you’ll be in this space. Learn about what exists and what doesn’t exists. The National Assembly of State Arts Agencies is a great resource for data on art funding. Jenie also recommends that you educate yourself on where the US ranks compared to other countries in this area. It’s important to know and understand the environment that you’re working in when there are stakeholders that you need to convince as to the importance of your work. Do your homework and be prepared. FREE RESOURCES Want a free LEGAL checklist to get your creative business legit? Download HERE and get access to my newsletter with tips and tricks for YOUR growing creative business. Listen and subscribe to Law & Wit on iTunes, Overcast, Stitcher, Spotify &  iHeartRadio Interested in working with Brittany for one-on-one legal services? Sign up for a free 15-min phone consult at brittanyratelle.com/services. Want an attorney-drafted, industry-tested legal template for your business? Take a free quiz and find out exactly what you need for your creative business at creativecontracts.co. Or browse through my quick tips and tricks by connecting on Instagram.

A conversation on Women's History Month, the unique financial challenges facing women and how NASAA members are responding.

The Holy Quran Healing (古兰经修复) Surah Al Mulk The Dominion (统治) For Spiritual Healing, Reduce Stress Depression & Finding Inner Peace Bilingual Edition In English Languange and Chinese Languange Podcast Version. Surah Al-Mulk (meaning 'The Sovereignty') is the 67th chapter (Surah) of the Quran. Surah Al-Mulk has 30 verses (Ayat). Surah Al-Mulk is a Meccan Surah, a Surah that was revealed to Prophet Muhammad ﷺ in Mecca. Like any other Surah in the Quran, Surah Al-Mulk is very important. There are many virtues from reciting this Surah. The Virtues of Reciting Surah Al-Mulk Abu Hurairah (May Allah be pleased with him) reported: I heard the Messenger of Allah (ﷺ) saying, "There is a Surah in the Qur'an which contains thirty Ayat which kept interceding for a man until his sins are forgiven. This Surah is 'Blessed is He in Whose Hand is the dominion.' (Surat Al-Mulk 67)." [At-Tirmidhi and Abu Dawud] So as we can see from the Hadith above, Surah Al-Mulk will intercede for its reciter (the person who recites it often) on the Day of Judgement until its reciter is forgiven by Allah (SWT). Yahya related to me from Malik from Ibn Shihab that Humayd ibn Abd ar-Rahman ibn Awf had told him that Surat al-Ikhlas (Surah 112) was equal to a third of the Qur'an, and that Surah al-Mulk (Surah 67) pleaded for its owner. [Muwatta Malik] Narrated Ibn 'Abbas: "One of the Companions of the Prophet (ﷺ) put up a tent upon a grave without knowing that it was a grave. When he realized that is was a person's grave, he recited Surat Al-Mulk until its completion. Then he went to the Prophet (ﷺ) and said: 'O Messenger of Allah (ﷺ) [Indeed] I erected my tent without realizing that it was upon a grave. So when I realized there was a person in it I recited Surat Al-Mulk until its completion.' So the Prophet (ﷺ) said: "It (Surah Al-Mulk) is a prevention, it is a salvation delivering from the punishment of the grave.'" [Tirmidhi] Based off the Hadith above, Surah Al-Mulk is also a prevention, and salvation delivering from the punishment of the grave. Reading Surat al-Mulk protects a Muslim from the trials of the grave, but how often does one have to read it? Once a day or more? What is meant is that a person should read it every night, act in accordance with the rulings contained in it, and believe in the information mentioned in it. It was narrated that ‘Abd-Allah ibn Mas’ud said: Whoever reads Tabaarak allaahi bi yadihi’l-mulk [i.e., Soorat al-Mulk] every night, Allah will protect him from the torment of the grave. At the time of the Messenger of Allah (peace and blessings of Allah be upon him) we used to call it al-maani’ah (that which protects). In the Book of Allah it is a Surah which, whoever recites it every night has done very well. Narrated by al-Nasaa’i, 6/179; classed as hasan by al-Albaani in Saheeh al-Targheeb wa’l-Tarheeb, 1475. The scholars of the Standing Committee said: On this basis there is the hope that whoever believes in this Surah and reads it regularly, seeking the pleasure of Allah, learning the lessons contained in it and acting in accordance with the rulings contained therein, it will intercede for him [in the Hereafter]. (Islam QA) --- Send in a voice message: https://anchor.fm/jannah-firdaus-mediapro/message

Intro Topic I – Recent News Topic II – Form CRS update Topic III – Compliant Process Topic IV – Proxy Voting Topic V – Outro Other Links: XY Planning Network sues SEC over Reg BI https://www.investmentnews.com/article/20190910/FREE/190919988/xy-planning-network-sues-sec-over-reg-bi NASAA 2019 Annual Enforcement Report https://www.nasaa.org/52518/nasaa-releases-annual-enforcement-report-5/ SEC Clarifies Investment Advisers' Proxy Voting Responsibilities and Application of Proxy Rules to Voting Advice https://www.sec.gov/news/press-release/2019-158 Form CRS Instructions https://www.sec.gov/rules/final/2019/34-86032-appendix-b.pdf RIA Compliance Concepts Toll Free: 1-833-RIACCIO Email: info@riacc.io Website: www.riacc.io LinkedIn: https://www.linkedin.com/company/25040493/admin/updates/ Twitter: https://twitter.com/RIAComplyCEP Facebook: https://www.facebook.com/RIAComplianceConcepts/ Instagram: https://www.instagram.com/riacomplianceconcepts/ Google+: https://aboutme.google.com/b/118267280728866485410/ Ivan Barretto, Managing Director LinkedIn: https://www.linkedin.com/in/ivanbarretto30/ Megan Campbell, Managing Director LinkedIn: https://www.linkedin.com/in/megan-campbell-5016a442/ Collin O'Bryant, Senior Consultant LinkedIn: https://www.linkedin.com/in/collin-o-bryant-485416a1/

Just like it takes a village to raise a child it takes a network of Wall Street Criminals to fleece a village of victims- FINRA, NASAA, to name a few... Please subscribe my Podcast https://carriedevorah.podomatic.com Become our 'patreon', please

ASC Director Joseph Borg, president of industry charity NASAA, never called cops on claim of elder abuse on Harper Lee. Former SEC Commissioner Michael Piwowar never called cops on report of Dawn Bennett-Western International Securities-JPMCC Ponzi scam on Investment Clients. Are we seeing the pattern yet? Scams on Investors is Law Enforcement oversight only. Lawyers knew. Lawyers also recognize deep pockets.... Please subscribe to my Podcast https://carriedevorah.podomatic.com Become our 'patreon', please

A conversation with Maine Securities Administrator Judith Shaw on NASAA senior investor protection initiatives.

We're joined by Mike Pieciak, President of the NASAA. Not to be confused with the space agency, the North American Securities Administrators Association brings together state, provincial, and federal securities regulators in Canada, Mexico, and the United States. This relatively unknown organization helps align the financial regulation policies of over 50 agencies across North America and coordinates enforcement action in cross-border cases. In 2018, the NASAA launched “Operation Cryptosweep” in which over 200 ICOs and cryptocurrency-related investment products were investigated for potential investor fraud. Topics covered in this episode: Mike's background as a lawyer and the Commissioner of the Vermont Department of Financial Regulation What is the NASAA, it's goals, members and jurisdiction The story of “Operation Cryptosweep” and what came out of that action Mike's thoughts on the future of blockchain regulation How regulation might apply in the context of transnational projects which are nation state-invariant The United State's restrictive securities laws in the context of Defi and security tokens Vermont's attempt to attract blockchain projects, and the “Blockchain-Based LCC” Vermont DFR's pilot project in Captive Insurance What Mike hopes to achieve during his one-year term as president of the NASAA Episode links: NASAA Operation Cryptosweep NASAA Reminds Investors to Approach ICOs with Caution Get in the Know About ICOs (video) Vermont Governor Signs Bill Clearing Way for Blockchain Companies Captive Insurance Blockchain Pilot Press Release Vermont Department of Financial Regulation Mike Pieciak (@mspieciak) on Twitter Sponsors: Azure: Deploy enterprise-ready consortium blockchain networks that scale in just a few clicks - http://aka.ms/epicenter This episode is hosted by Sebastien Couture & Friederike Ernst. Show notes and listening options: epicenter.tv/285

FINRA’s Central Registration and Depository (CRD) system is the central licensing and registration system not just for FINRA, but also for U.S. securities exchanges and all 50 states . But the system is still partying like it’s 1999. Twenty years after the CRD system’s last major update, FINRA is in the middle of a multi-year effort to overhaul the registration and disclosure system that is the backbone of the BrokerCheck, the free tool that allows investors to research the background of their financial professionals and firms. On this episode of FINRA Unscripted, FINRA’s executive vice president of Registration & Disclosure, Derek Linden, tells us more about the transformation and what users can expect. Resources mentioned in this episode: CRD Transformation Website Announcement: CRD Transformation BrokerCheck 12: How the Cloud Has Revolutionized FINRA Technology

RegTech tools can present both tremendous opportunities and tremendous challenges for firms and regulators alike. They can also pose some interesting philosophical questions when it comes to their implementation. On this special episode of FINRA Unscripted recorded at FINRA’s RegTech conference in New York, we hear three unique perspectives on these opportunities and challenges. Joining us on this episode are: Nick Cook, head of RegTech and Advanced Analytics at the United Kingdom’s Financial Conduct Authority (FCA); Michael Pieciak, Vermont’s Commissioner of Financial Regulation and the president of the North American Securities Administrators Association (NASAA); and Haime Workie, FINRA’s senior director of Emerging Regulatory Issues. Listen to hear Nick, Mike and Haime discuss some of the most common ways firms are currently using RegTech, the challenges in implementation, key areas to watch and more. Resources mentioned in this episode: RegTech White Paper FinTech at FINRA Innovation Outreach Initiative RegTech | FCA NASAA Vermont Website

A conversation with NASAA President and Vermont Commissioner of Financial Regulation Michael Pieciak on NASAA legislative priorities. (Part 2)

A conversation with NASAA President and Vermont Commissioner of Financial Regulation Michael Pieciak on NASAA legislative priorities. (Part 1)

Spike Lee had words of wisdom that weigh heavier than words Warren Buffett could say, words that weigh in on FINRA frauds, NASAA, what they say and what they really mean.... Please subscribe to my Podcast https://carriedevorah.podomatic.com Become our 'patreon', please

Tone worked on Wall Street for almost 10 years starting as a Risk Analyst at Bear Stearns and later becoming a VP at JP Morgan Chase, in the aftermath of the 2008 financial crisis. His expertise is in Economic Trends, Trading and Risk Analysis. Ever since getting involved in the Crypto Currency ecosystem in early 2013, he has been very active in spreading the relevance and importance of this technology as it helps promote economic freedom. Tone has been featured in several Documentaries like Magic Money & Bitcoin - Beyond the Bubble. Tone is now an independent content creator at ToneVays.com and on his YouTube Channel focused on sound economics & finance. Tone holds a Masters Degree in Financial Engineering from Florida State University along with Bachelor Degrees in Mathematics and Geology.Twitter: https://twitter.com/ToneVaysWebsite: https://tonevays.comTrading Information: http://LibertyLifeTrail.comFollow the podcast on Telegram!https://t.me/ToneVaysPodcastBotBitcoin: 3Hk9cR6p8XAAbmD2GkvSdcbznhqXvLDX4oLearn Trading: http://www.libertylifetrail.com/education/learntrading/Upcoming Seminars: https://tonevays.com/workshopsPrivate Consulting: http://www.libertylifetrail.com/consulting/Please Support via Affiliate Codes:Trading View: http://tradingview.go2cloud.org/aff_c?offer_id=2&aff_id=4905&url_id=3BitMex 10% Off: https://www.bitmex.com/register/cMvHXgTrezor/Ledger: https://www.cryptohwwallet.com/?acc=70efdf2ec9b086079795c442636b55fb&bannerid=3TorGuard VPN 50% off code & link = tone50: https://torguard.net/aff.php?aff=3782Buy The Dip Store 20% Off: http://sh1030.ositracker.com/75271/6304CryptoMatic Bitcoin Watch: Discount Code = TONEhttps://cryptomatic.io/en/1Broker: https://1broker.com/?r=14766Magic Money Film: Vimeo Discount Code = TONEhttp://www.magicmoneyfilm.com/Disclaimer: The 1Broker & BitMex affiliate links are to be used at your own risk, I mostly use them to just place trades for less than $100 and I'm ready for all my bitcoins being hacked. (best is to always hold your own keys)Tone Vays is available for consulting at the rate of 0.1 btc per hour. Please email Tone@protonmail.ch for additional info.Follow the best podcasts from the best minds in the Bitcoin and Cryptocurrency space on twitter.https://twitter.com/bitcoinpodcasts

The Bank Lobbyist Act was just signed into law and as the nickname suggests, it is a banker’s wet dream. In this episode, learn the details of this new law including the many favors to banks big and small - which undoubtedly make our entire financial system riskier - along with a few good provisions that can help you protect your identity and maybe even increase your credit score. Joe Briney joins Jen for the thank you’s.   Please Support Congressional Dish - Quick Links Click here to contribute a lump sum or set up a monthly contribution via PayPal Click here to support Congressional Dish for each episode via Patreon Send Zelle payments to: Donation@congressionaldish.com Send Venmo payments to: @Jennifer-Briney Use your bank’s online bill pay function to mail contributions to: 5753 Hwy 85 North Number 4576 Crestview, FL 32536 Please make checks payable to Congressional Dish Thank you for supporting truly independent media! Recommended Congressional Dish Episodes CD099: April Takes a Turn CD160: Equifax Breach CD161: Veterans Choice Program CD129: The Impeachment of John Koskinen Recommended Reading Chain of Title: How Three Ordinary Americans Uncovered Wall Street's Great Foreclosure Fraud by David Dayen Additional Reading Article: Investors throwing caution to the wind when shopping for CLOs by Glen Fest, Asset Securitization Report, May 24, 2018. Report: The finance 202: Banks give richly to three Senate Democrats who backed deregulation by Tory Newmyer, The Washington Post, May 23, 2018. Article: Insurers welcome global regulation provision in banking reform bill by Andrew G. Simpson, Insurance Journal, May 23, 2018. Report: House passes Dodd-Frank reform bill, approval now pending from President Trump by Caroline Basile, Housing Wire, May 22, 2018. Report: Reg relief bill S. 2155 passes House; monumental win for credit unions by CUNA, CUInsight, May 22, 2018. Report: Dodd Frank rollback passes house, moves to President's desk for signature to become law by JD Alois, Crowdfund Insider, May 22, 2018. Letter: Oppose S. 2155, the "Economic Growth, Regulatory Relief and Consumer Protection Act" by Vanita Gupta, President & CEO of The Leadership Conference, CivilRights.org, May 21, 2018. Article: Bill aimed at saving community banks is already killing them by David Dayen, The Intercept, May 16, 2018. Opinion: Big banks crying wolf over another key Dodd-Frank regulation by Mayra Rodreguez Valladares, The Hill, May 12, 2018. Report: At $1 trillion, leveraged loans are closing in on junk bonds by Yakob Peterseil and Cecile Gutscher, Yahoo Finance, May 3, 2018. Article: Bank earnings are rising, but look past the obvious players by David Borum, NASDAQ, May 1, 2018. Report: Elliot eyes push into Wall Street's hottest debt trade by Sridhar Natarajan, Sally Bakewell, and Katia Porzecanski, Bloomberg, April 30,2018. Article: Washington wants to weaken bank rules. Not every regulator agrees by Peter Eavis, The New York Times, April 24, 2018. Article: Revenge of the stadium banks by David Dayen, The Intercept, March 2, 2018. Article: Behind a key anti-labor case, a web of conservative donors by Noam Scheiber and Kenneth P. Vogel, The New York Times, February 25, 2018. Article: Lower tax rate fuels record profit for Buffett's Berkshire Hathaway, CNBC, February 24, 2018. Report: The richest 10% of Americans now own 84% of all stocks by Rob Wile, Money, December 19, 2017. Report: H.R. 477, the Small Business Mergers, Acquisitions, Sales, and Brokerage Simplification Act of 2017, Republican Policy Committee, December 4, 2017. Brief: Clayton buys CO's Oakwood Homes in latest site-build deal by Mary Tyler March, Construction Drive, July 7, 2017. Opinion: Who will benefit from the newly passed supporting America's Innovators Act? by James Murphy, Forbes, May 3, 2017. Article: Minorities exploited by Warren Buffet's mobile-home empire by Mike Baker and Daniel Wagner, The Seattle Times, December 26, 2015. Article: The mobile-home trap: How a Warren Buffett empire preys on the poor by Mike Baker and Daniel Wagner, The Seattle Times, April 2, 2015. Article: Furor over move to aid big banks in funding bill by Jonathan Weisman, The New York Times, December 11, 2014. Article: Citigroup wrote the Wall Street giveaway the House just approved by Erika Eichelberger, Mother Jones, December 10, 2014. Article: Testing theories of American politics: Elites, interest groups, and average citizens by Martin Gilens and Benjamin I. Page, Princeton Scholar Publication, September 2014. Article: See how Citigroup wrote a bill so it could get a bailout by Erika Eichelberger, Mother Jones, May 24, 2013. Report: Banks' lobbyists help in drafting financial bills by Eric Lipton and Ben Protess, The New York Times, May 23, 2013. Bill Outline S. 2155: Economic Growth, Regulatory Relief and Consumer Protection Act ("The Bank Lobbyist Act")   TITLE I: IMPROVING CONSUMER ACCESS TO MORTGAGE CREDIT Section 101: Exempts banks with under $10 billion in assets from ability-to-pay documentation requirements for mortgages as long as the loans do not have interest-only or principal increasing features. The bank is also supposed to keep the loan in their portfolio but there is a loophole that allows the loan to be sold as long as the next bank keeps the loan in their portfolio. Section 103: Exempts banks from having do to appraisals of property located in rural areas for transactions under $400,000 Section 104: Exempts banks and credit unions from reporting data about credit scores, debt-to-income ratios, and loan-to-value ratios of their loans if the bank issues fewer than 500 loans per year, which includes 85% of all banks and credit unions. Section 107: Allows people selling manufactured homes to guide their customers towards getting loans from certain banks as long as they disclose to the customer in writing that they have a corporate affiliation with the bank and as long as they do not directly negotiate the loan terms. The home seller would be allowed to be paid for steering customers to the bank. TITLE II: REGULATORY RELEIF AND PROTECTING CONSUMERS ACCESS TO CREDIT Section 201: Exempts banks with less than $10 billion in reported assets from rules limiting their stock market trading with deposits, reporting requirements, and other standards as long as they hold on to (maintain a "community bank leverage ratio") of between 8 and 10 percent. Section 202: Frees banks that accept "broker deposits" from other banks (banks that help rich people get around FDIC insurance limits -specifically Promontory) from having to hold onto more money to make up for the risk these accounts pose to the banks who accept them. TITLE III - PROTECTIONS FOR VETERANS, CONSUMERS, AND HOMEOWNERS Section 301: Requires that credit reporting agencies place a security freeze, free of charge, for consumers within 1 business day if requested by phone or Internet or 3 business days if requested by mail. Within 5 business days, the agencies must then inform the consumer that the freeze has been placed and inform the consumer how to remove the freeze. Removals must be done within one hour of a phone or Internet request and 3 business days if requested by mail. Temporary removal requests must be granted for the time requested by the consumer. Credit freezes will not stop law enforcement, debt collectors, or "any person using the information for employment, tenant, or background screening purposes" from accessing a "frozen" credit report. Requires that the credit reporting agencies each set up a website for requesting freezes, requesting fraud alerts, and opting out of having their personal information sold to marketers. The Federal Trade Commission will also set up a single website linking to the websites of the credit reporting agencies (likely www.identitytheft.gov) Section 302: In response to the reporting of medical debt of veterans due to delayed payments to non-VA doctors as part of the Veteran's Choice Program, if a medical service is delinquent by less than a year, the veteran can submit information to the credit rating agencies and have that medical debt removed from their report. Within 1 year, the Secretary of Veteran's Affairs must create a database to allow credit reporting agencies to verify veterans' medical debt. Within 1 year, the Federal Trade Commission will have to create regulations requiring that active duty military members be given credit monitoring services for free Section 303: Grants immunity to people and the banks who employ them for reporting financial fraud against a senior citizen as long as they have received training for spotting financial abuse. TITLE IV: TAILORING REGULATIONS FOR CERTAIN BANK HOLDING COMPANIES Section 401: By the beginning of 2020, the threshold for a bank to be subjected to stress tests and extra requirements for holding onto actual cash will be changed so that the only banks subject to those regulations are ones with over $250 billion in assets, as opposed to the $50 billion threshold enacted by Dodd-Frank. Also changes the frequency of stress tests for big banks (over $250 billion in assets) from "semiannual" to "periodic", which could be as little as once every three years. It also reduces the number of scenarios to be test from 3 to 2. Sec. 402: Loosens the definition of a "custodial bank" in a way that allows the big banks to qualify. It then allows the money the banks have in a the Federal Reserve or other central banks to be omitted from calculations for their supplementary leverage ratio, allowing the banks to cook the books in order to hold onto less money. TITLE V: ENCOURAGING CAPITAL FORMATION Section 504: The "Supporting America's Innovators Act" allows venture capital funds with up to 250 investors to get out of registering with the Securities and Exchange Commission. The previous threshold was 100 individual investors. Section 507: Doubles from $5 million to $10 million the amount of securities a company can sell in a year before having to give additional information to investors, which will increase along with inflation. TITLE VI: PROTECTIONS FOR STUDENT BORROWERS Section 601: Prohibits private banks from declaring an automatic default or accelerated repayment of student loans in the case of a co-signer's death and banks will have to release from responsibility a co-signer if the student dies. This will only apply to student loans that are created in 2019 or after. Section 602: Allows banks to remove a customer's student loan debt from their credit report if the bank decides to give the student a new monthly loan repayment program and the student makes their payments. Resources Amicus Brief: Mark Janus v. American Federation of State, County and Municipal Employees, Council 31, et al. Company Info: Vanderbilt Mortgage Congressional Budget Office: Cost Estimate of S. 2155 Congressional Budget Summary: S. 2155, Economic Growth, Regulatory Relief, and Consumer Protection Act Graph: Commercial and Industrial Loans, All Commercial Banks, FRED, May 18, 2018. Govtrack: H.R. 2954: Home Mortgage Disclosure Adjustment Act Govtrack: S. 2155: Economic Growth, Regulatory Relief and Consumer Protection Act Govtrack: H.R. 650 (114th): Preserving Access to Manufactured Housing Act of 2015 OpenSecrets.org: Commercial Banks Info OpenSecrets.org: Manufactured Housing Institute OpenSecrets.org: Citigroup Inc. Senate Archives: Class I - Senators Whose Term of Service Expire in 2019 Sound Clip Sources Video: Dark Money and the Federal Courts: The Secret Push to Weaponize the First Amendment, May 21, 2018. Sheldon Whitehouse: I think what has very clearly happened is that unlimited money—and its nasty big brother, unlimited dark money—have showed up since the Citizens United decision and basically driven Congress into a state of servitude to those who have the wherewithal to engage with us with all that dark money. So, parity _____(01:07) the problem. It’s just not capable of being—reaching a state of parity by its nature, which is why spotlighting it and going after it and explaining it to the American people is so important, because there is a winning and important story to be told here. And if we win this issue—this is like the Death Star. In Star Wars, they didn’t go fight the evil empire on every single planet; they went after the Death Star, and once they won the Death Star, everything else moved in a better direction. If we can solve the dark-money problem, then we can start to win on pharmaceuticals, on Wall Street, on environment, on fossil fuels, on a whole variety of other issues. And that’s why they fight so desperately to protect this, because they know it’s their Death Star, too. If you look out at the American public, you see a very large segment of the American public that feels it is not being listened to. They don’t believe that Washington is listening, they don’t believe that the powers of government reflected here are listening to them, and they’re not wrong. If you look at the Bartels’ Princeton study, it shows that there is essentially zero statistical correlation between what we do in Congress and what regular people want Congress to do. Move up to the one percent, move up to the big corporations, and suddenly there’s a very, very powerful statistical correlation. So it is very clear that in fact in many significant ways the government of the United States has indeed been captured by big special interests. The DISCLOSE Act, requiring transparency for all political contributions, is permitted by the Citizens United decision. And if you live in a tropical climate and go into the kitchen at night and turn on the light, you will often see cockroaches skittering for the shadows and for the corners when you turn on the light at night in the kitchen. In the same way, you turn on the light of disclosure—and I think a lot of the cockroaches skitter for the shadows, and probably, and my guess, two-thirds of the unlimited spending supported by Citizens United goes away when it’s not anonymous any longer. The dark-money operation is all over. It is after us in elections, it is after us in administrative agencies, it is after us with lobbying in the halls of Congress, it is after us in all these different ways I’ve just described in the courts. We are taking essentially dark money, artillery fire, every single moment on multiple fronts. In artillery, there is a thing called counter battery, where you fire back at the artillery that is firing at you. That needs to be a priority for Democrats. We need to make sure that the spotlight of disclosure is on these webs, on these networks, focused on the special interests behind the front groups, focused on the creepy billionaires who are spending this money, so that the American public sees what is really going on. That is our job, and every day that we are not doing that job, we are losing and we are failing in our duty to this country. Video: LinkedIn Lobbyist Group and Dodd Frank, Laws and Sausage TV, April 24, 2018. Jeffrey Taylor: Well, again, that’s the other thing: trying to get on the—try to get support for your bill from the industry associations and the think tanks that weigh in on these kinds of things. Early on, we had the more free market, the more—well, free market, like the Chamber of Commerce and other financial services groups, but a little later in the process, we also had on a group that is considered left of center, the national state securities secretaries association called NASAA. And the minute they came on the bill, “Katy, bar the door!” All of a sudden, a number of Democrats had to say, “Well, if they’re on the bill, there must be some merit here.” And that’s actually when we started to have more dialog on the Left, trying to make this a bipartisan bill. Jeffrey Taylor: When you have NASAA and the U.S. Chamber, you’re now covering the waterfront on the political spectrum, and we were able to move forward. There are some people like Senator Warren that you will never get, because they believe in highly regulating the financial services. And you can talk to Senator Warren and her colleagues all you want, and you kind of know at the end of the day, we tried but we know we’ll never get there. But there are others like Senator Heitkamp, Senator Donnelly, Senator Warren that there’s a good chance, because they’re pro-business Democrats, that maybe we can get them on board, and then once we get one or two on board, others will come on board because they trust their judgment. So, it’s all putting a puzzle together. And you’re absolutely right: finding the outside interests that are trusting to Democrats and are trusting to Republicans, and we were able to do that. Host Brian Trascher: Well, Jeff, you pretty well explained your strategy thus far. How do you think you’re going to spend the rest of 2018 to try to keep your bill moving forward, and in an election year, get something done before the next Congress takes over? Jeffrey Taylor: Well, what we’re hopeful is is that the Senate banking committee actually did pass a bill recently. It had come over from the House. It’s bill S.2155. And that is a compendium of a lot of bills—securities bills—and so ours is not in that bill. But what the Senate did was, it made changes to the original House bill. So when the Senate passes a bill like that, it has to go back to the House because both bills have to be absolutely spot-on identical. And so now that it’s back in the House, we’re going back to Senator Jeb Hensarling and some of the other members and say, “Listen, in the intervening months, we passed a 426-to-zero bill. How about putting our bill into the bigger 2155?” And so based on all of the interaction we have so far, they’re seriously considering that. They’re seriously considering putting one or two bills that passed over the last four or five months into 2155. They’ll put it into 2155, send it back to the Senate, and hopefully at that point the Republicans and Democrats in the Senate will say, “Well, good grief. These are all unanimous votes. There really is nothing contentious here, so, okay, we will now pass the revised 2155,” which actually has our bill 477 in it, and we’re in good shape at that point. So those are the kind of negotiations that are going on right now, putting our smaller bill into the larger bill going. And so we’ll keep ______(01:58—with that). Go ahead. Trascher: Yeah, and piggybacking is also a very good strategy when sometimes your particular instrument stalls or meets with some resistance, a lot of times you can get it thrown into something that has a lot more momentum and is in a posture to pass. Host Brian Trascher: Well, you’re right: it is rare to get a unanimous vote in the House unless it’s to rename a post office or something. To what do you credit your success in getting that unanimous vote in the House? Was it because of the two high-profile sponsors, bipartisan sponsors, who latched onto the bill? Jeffrey Taylor: Well, Maxine Waters didn’t latch on right away. And in fact, when we made it through the committee, it was still a bipartisan bill. I think it was split right down the middle, although you could tell that there were a number of Democrats on the committee that liked the bill but it needed some corrections. And at that point, that’s when lobbyists come in and say, “Okay, Congresswoman Waters, this really is dead in the Senate if we don’t have some kind of bipartisan support in the House.” And so we sat down with her team and said, “All right. Let’s go through the bill line by line, and we’ll bring in our experts, and you bring in your experts, and let’s really tear this thing apart. You know, obviously, we can’t bring Democrats on if we all of a sudden equally lose Republicans, so where can we find that sweet spot?” And her staff was very accommodating. “Here are the three areas, Jeffrey. What can you do that doesn’t harm the overall bill?” And we were able to tweak each of these areas, and at the end of the day, to Congresswoman Waters’ credit, she said, “Done. That’s a good bill now.” We went to the floor, Mrs. Waters spoke on behalf of the bill, Chairman Hensarling spoke on behalf of the bill, and boom, 426 to zero. It can still be done. You can still find the happy medium. The problem is, it’s much more difficult in the Senate. Everybody thinks that the House is the more partisan. In fact, there’re a lot of bills going from the House to the Senate. It’s in the Senate where things are not even getting hearings and trying to get to the floor of the Senate for a vote. And I think part of that is the mismanagement of Senator Chuck Schumer, who has told all of the Democratic senators, “We are the resistance. We are not going to proceed.” And boy, when you start with a premise like that, it’s hard to get things even to the batter’s box in the U.S. Senate. Community Suggestions Video: Corruption is Legal in America - Represent.Us See more community suggestions HERE.  Cover Art Design by Only Child Imaginations Music Presented in This Episode Intro & Exit: Tired of Being Lied To by David Ippolito (found on Music Alley by mevio)

Andreas Hülsmann erzählt von seiner Motorradreise durch die Mongolei und die Band Sedaa nimmt uns mit in das weite Steppenland. Die Karawane brachte beide auf die Bühne für eine mongolische Klang- und Bilderreise. Eine echte Jurte steht im „Grammatikoff“ in Duisburg, davor die Band und auf einer Leinwand zeigt Andreas Fotos seiner Reise, die ihn zusammen mit seiner Frau Claudia durch die Mongolei führte. Im Podcast berichtet er nicht nur von seinen Erlebnissen, wir nehmen euch auch mit auf einen Spaziergang durch die Jurte, probieren einen mongolisches Pausensnack und Nasaa und Omid von der Band Sedaa sprechen über ihren einzigartigen orientalisch – mongolischen Musikmix.

5: A Touch Point for Politicians and Other Regulators: FINRA’s Office of Government Affairs It is 2018. America is facing a wave of new government appointments and upcoming elections at all levels of the government. And with new leaders, come new priorities. Effective government relations are essential to FINRA’s success. So, how does FINRA navigate the changing environment? According to FINRA’s Senior Vice President of Government Affairs, Greg Dean, by building and maintaining genuine relationships and by telling FINRA’s story. In this episode of FINRA Unscripted, Dean shares how FINRA has achieved success in the government affairs space. Resources mentioned in this episode: OATS Senior Helpline

1: The Sunnah is Islaam and Islaam is the SunnahImaam al-Barbahaari (rahimahullaah) said:All praise is for Allaah who guided us to Islaam and blessed us with it and placed us in the best nation, so we ask Him to grant us that we keep to that which He loves and is pleased with and avoid that which He hates and which angers Him.Know that Islam is the Sunnah, and the Sunnah is Islaam[1] and one of them cannot be established without the other.NOTES1. The Prophet said, "He who turns away from my Sunnah is not from me." Reported by al-Bukhaaree (Eng. trans. 7/1-2/no.l), Muslim (Eng. Trans. 2/703/n0.3236) and an-Nasaa'ee.Abu Hurairah said that Allaah's Messenger said, "All of my Ummah will enter Paradise except those who refuse." It was said, "Who will refuse?" He replied. "Whoever obeys me enters Paradise and whoever disobeys me has refused." Reported by al-Bukhaaree (Eng. trans. 9/284/n0.384).Imaam az-Zuhree (the famous taabi'ee, d.124H) said,"The people of knowledge who came before us used to say,'Salvation lies in clinging to the Sunnah.'" Reported by ad-Daarimee in his Sunan (no.96).Imaam Maalik said,"The Sunnah is like the Ark of Noah. Whoever embarks upon it reaches salvation and whoever refuses is drowned." Quoted by Shaikh ul-Islaam Ibn Taimiyyah in Majmoo' ul-fataawaa (4/57).

Protection of Vulnerable Adults from Financial Exploitation. Joseph Brady is the Executive Director the NASAA (North American Securities Administrators Association). NASAA is the association of state, provincial, and territorial securities regulators in the United States, Canada, and Mexico. NASAA and its members are committed to protecting investors from fraud and abuse in securities transactions, and […]

Protection of Vulnerable Adults from Financial Exploitation. Joseph Brady is the Executive Director the NASAA (North American Securities Administrators Association). NASAA is the association of state, provincial, and territorial securities regulators in the United States, Canada, and Mexico. NASAA and its members are committed to protecting investors from fraud and abuse in securities transactions, and […]