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16th February 2012 Dear Mr Gordon I am writing to express my interest in the Solicitors position listed on www.dayjob.com. Since 2008, I have served as a solicitor for Acton Lawyers, where I have been repeatedly recognized for my legal services, competency in looking after a client’s interests and my professional conduct. I am responsible for private client work including; conveyancing, probates and wills, and also regularly assist with promotion and marketing activities. All of this experience has provided me with the opportunity to witness and understand the critical role that solicitors play in ensuring justice for all parties in need of representation. I possess excellent verbal and written communication skills and a pleasant, assertive manner. Good at problem solving skills, I am able to handle a high workload, am results orientated with a good commercial acumen. My skills along with a strong sense of professional integrity have contributed significantly to my past achievements. Over time I have learned to be both efficient and diplomatic and can handle a number of different tasks at the same. As an ambitious and capable individual I firmly believe that my expertise in almost every corner of the legal profession would add significant value to a company as supportive of innovative solutions and the justice system as yours is. I would appreciate the opportunity to join an esteemed and reputable legal firm such as yours. Once you have had an opportunity to review my attached resume, please contact me if you have any questions or to arrange an interview. I look forward to speaking with you in the near future. Yours sincerely Mark Morrison LLB (Hons)
The Department of Financial Institutions (DFI) created this report as an educational tool for policy makers and other interested parties. The statistics presented in this report represent data reported to DFI from all payday lending licensees for calendar year 2011. NOTE: DFI is not able to track data from unlicensed Payday Lenders. What is a Payday Loan? Payday loan companies offer small, short-term, high interest loans secured by a post-dated check. The consumer’s post-dated check is written for the loan amount plus a fee. The check is held by the lender for the loan period (term). At the end of the term, the lender may deposit the check or the customer may reclaim the check with cash. The legislature passed Washington’s first payday lending laws in 1995 under the Check Cashers & Sellers Act (RCW 31.45). DFI is the regulator of payday lenders in Washington State. What is Allowed in Washington State? Maximum Loan Term: Maximum Loan Amount: Maximum Fee: 45 days $700 15% on the first $500 10% above $500 Example: A loan for $500 + $75 fee = $575 A loan for $700 + $95 fee = $795 Payment Plans and Installment Plans Borrowers are entitled to an installment loan at any time prior to default. Borrowers do not have to pay a fee for the installment plan and have from 90 to 180 days (depending on the original loan amount) to repay the loan in a series of installments. The number of payday lending locations decreased 30% from year-end 2009 to year-end 2010, and decreased another 40% from year-end 2010 to year-end 2011. Overall, the number of payday lending locations has decreased 65% since its height in 2006.
To date the debate over payday lending has focused on whether access to such lending is on net beneﬁcial or harmful to consumer welfare. However, payday loans are not one product but many, and different forms of lending may have different welfare implications. The current diversity in payday lending stems from the diverse ways in which states have regulated the industry. This paper attempts to quantify the effects that various regulatory approaches have had on lending terms and usage. Using a novel institutional dataset of over 56 million payday loans, covering 26 states for nearly 6 years, I ﬁnd that price caps tend to be strictly binding, size caps tend to be less binding, and prohibitions on simultaneous borrowing appear to have little effect on the total amount borrowed. Minimum loan terms affect loan length while maximum loan terms do not. Repeat borrowing appears to be negatively related to rollover prohibitions and cooling-off periods, as well as to higher price caps. Several states have used law changes to sharply cut their rate of repeat borrowing. However, this process has been disruptive, leading to lower lending volumes and, in at least one case, higher delinquency.
In this Data Point we present the results of several analyses of consumers’ use of payday loans. The focus of the analyses is loan sequences, the series of loans borrowers often take out following a new loan. Key findings of this report include: Over 80% of payday loans are rolled over or followed by another loan within 14 days (i.e., renewed). Same-day renewals are less frequent in states with mandated cooling-off periods, but 14-day renewal rates in states with cooling-off periods are nearly identical to states without these limitations. We define loan sequence as a series of loans taken out within 14 days of repayment of a prior loan. While many loan sequences end quickly, 15% of new loans are followed by a loan sequence at least 10 loans long. Half of all loans are in a sequence at least 10 loans long. Few borrowers amortize, or have reductions in principal amounts, between the first and last loan of a loan sequence. For more than 80% of the loan sequences that last for more than one loan, the last loan is the same size as or larger than the first loan in the sequence. Loan size is more likely to go up in longer loan sequences, and principal increases are associated with higher default rates. Monthly borrowers are disproportionately likely to stay in debt for 11 months or longer. Among new borrowers (i.e., those who did not have a payday loan at the beginning the year covered by the data) 22% of borrowers paid monthly averaged at least one loan per pay period. The majority of monthly borrowers are government benefits recipients. Most borrowing involves multiple renewals following an initial loan, rather than multiple distinct borrowing episodes separated by more than 14 days. Roughly half of new
1. This is an official CITATION AND ORDER (Citation) issued pursuant to Section 503(b)(5) of the Communications Act of 1934, as amended (Communications Act),1 to Scott Sandlin (Mr. Sandlin or “you”) for marketing an illegal signal jamming device (jamming device or jammer) by repeatedly posting a classified advertisement for the device on Craigslist.org2 in willful and repeated violation of Section 302(b) of the Communications Act3 and Sections 2.803 and 15.201(b) of the Federal Communications Commission (Commission or FCC) rules (Rules).4 2. Jamming devices, such as cell phone jammers and GPS blockers, pose serious risks to critical public safety communications and can prevent individuals from making 9-1-1 and other emergency calls. Jammers can also interfere with law enforcement communications. You should take immediate steps to come into compliance and to avoid any recurrence of this misconduct. For example, any operation of the signal jammer must cease immediately, and you are strongly encouraged to voluntarily relinquish the illegal jamming device. You also may not advertise jamming devices for sale to any consumer in the United States through Craigslist or through any other means. 3. We emphasize that the mere posting of a jamming device for sale on Craigslist or any other online site or bulletin board targeting U.S. consumers contravenes federal law. Consistent with this federal prohibition, Craigslist expressly bars the sale and advertisement of signal jamming devices on its
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Dave Westall is an experienced Lake Tahoe Real Estate and Truckee Real Estate agent providing clients with professional consultation and exceptional results. Dave has a vast knowledge of the community and excels at helping his clients buy or sell homes in Squaw Valley, Tahoe City, Alpine Meadows, Truckee, Martis Camp, Homewood, Tahoma, Tahoe Donner and many more North Tahoe communities. You will never receive pressure from Dave to purchase a property, rather he will help provide guidance, answer all of your questions, and make sure that when the time is right that you have representation from a Realtor who knows the market as well as the complexities of buying and purchasing properties.
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There are several studies on Lotka-Volterra Model has been done. Nevertheless, a few of them consider to supply with the information not only about analytical result but also information about local and global bifurcation of the solution of the system so that we have a complete information about the behaviour of the solution in terms of its stability. This study will analyze a Lotka-Volterra model with Holling type II functional response. The analysis starts with determining the equilibrium points of the system. Then by using center manifold and normal form analysis the information about stability of the other solutions, including the appearance of stable limit cycles, are obtained by continuing parameter. These results are confirmed by numerical simulations using MatCont. Biological interpretation of our results are also presented. http://www.scirj.org/december-2013-paper.php?rp=P121346