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ICT is a fast developing technology; its application typically involves the introduction or enhancement of systems or technology to meet a particular business need. An example of such application is the e-Payment system, a subset of e-Government that enables us to perform financial transactions electronically. A survey was conducted in the federal government of Nigeria’s Ministries, Departments and Agencies (MDAs) to examine the gains and challenges of the e-Payment system commenced on January 1st, 2009. Non-parametric tests were used to establish the rank orders of gains from e-Payment and the challenges, based on median values for each variable, as well as the number of valid answers. The result revealed the most appreciated gains and most encountered challenges of the new system. The t-Test result for the gains of e-Payment shows that the mean number of positive response was significantly different (P < 0.01) from that of the negative response for each of the gains. Also, the t-Test
Join fellow RAM enthusiasts and tell your story by posting comments, participating in discussions, and sharing your photos and videos. Join our community on Facebook, follow us on Twitter, and check us out on YouTube. Take a multimedia tour of your vehicle on your mobile device. Visit the Chrysler Group LLC page in iTunes® from your smartphone or iPad® to download the most up-to-date vehicle apps. Log on to the ramtrucks.com mobile site for an at-a-glance review of what you need to know about your Ram truck. Experience visual and interactive demonstrations while gaining access to product information at your fingertips, wherever you go.  Based on 2013 Automotive News Full-size Truck segment and latest available competitive information. The Advanced Front Air Bags in this vehicle are certified to the new U.S. federal regulations for advanced air bags. Children 12 years old and younger should always ride buckled up in a rear seat. Infants in rear-facing child restraints should never ride in the front seat of a vehicle with a passenger front air bag. All occupants should always wear their lap and shoulder belts properly. No system, no matter how sophisticated, can repeal the laws of physics or overcome careless driving actions. Performance is limited by available traction, which snow, ice and other conditions can affect. When the ESC warning lamp flashes, the driver needs to use less throttle and adapt speed and driving behavior to prevailing road conditions. Always drive carefully, consistent with conditions. Always wear your seat belt. Always look before proceeding, electronic drive aid is not a substitute for conscientious driving, always be aware of your surroundings. Transferable. See your dealer for complete details and a copy of the 5-Year/100,000-Mile Powertrain Limited Warranty.
Customers are encouraged to use this form to file a complaint with the South Carolina Department of Motor Vehicles (DMV) about fraud, misconduct, unlicensed or suspected illegal activity involving a product, service, employee, or company that the DMV oversees or regulates such as a licensed dealer or wholesaler, a certified driver training school or third party tester. In response to such complaints, DMV may encourage compliance with state and federal laws, pursue administrative actions, and/or refer the complaint to the appropriate agency for follow-up or enforcement action. Please print in blue or black ink. Use additional paper if more space is needed. Fax, mail or email your complaint along with any other documents that may assist us in the investigation. SCDMV Office of Inspector General Fax Number: (803) 896-8172 PO Box 1498 Blythewood, SC 29016-0022 The South Carolina Freedom of Information Act (FOIA) may require the Department of Motor Vehicles (DMV) to release a copy of your complaint as a public record.
What you need to know about estate planning, including why you may need a will and assigning a power of attorney. 1. No matter your net worth, it's important to have a basic estate plan in place. Such a plan ensures that your family and financial goals are met after you die. 2. An estate plan has several elements. They include: a will; assignment of power of attorney; and a living will or health-care proxy (medical power of attorney). For some people, a trust may also make sense. When putting together a plan, you must be mindful of both federal and state laws governing estates.
Masterpieces of American Furniture from the Kaufman Collection, 1700 – 1830 offers visitors to the nation’s capital an unprecedented opportunity to view some of the finest furniture made by colonial and post-revolutionary American artisans. This presentation includes more than one hundred objects from the promised gift, announced in 2010, of the collection formed by Linda H. Kaufman and the late George M. Kaufman. From a rare Massachusetts William and Mary japanned dressing table to Philadelphia’s outstanding rococo expressions and the early and later classical styles of the new federal republic, the Kaufman Collection presents a compendium of American artistic talent over more than a century of history. This promised gift marks the Gallery’s first acquisition of American decorative arts and dramatically transforms the collection, complementing the existing holdings of European decorative arts.
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.
I n spite of public controversy and warnings from regulators, a few national and regional banks are routinely making payday loans, marketed under more appealing names. As shown by previous research and discussed here, these loans are promoted as a short-term solution to a financial shortfall, but in fact they keep borrowers trapped in extremely high-cost debt for a significant portion of the year. Bank payday loans are structured in the same way as other payday loans. The bank deposits the loan amount directly into the customer’s account and then repays itself in full, plus a very high fee, directly from the customer’s next incoming direct deposit of wages or funds such as Social Security checks. If the customer’s direct deposits are not sufficient to repay the loan, the bank typically repays itself anyway within 35 days, even if the repayment overdraws the consumer’s account, triggering high overdraft fees for subsequent transactions. The great majority of banks do not offer payday loans, but as of August 2013 we are aware of at least six that do: Wells Fargo Bank, U.S. Bank, Regions Bank, Fifth Third Bank, Bank of Oklahoma and its bank affiliates,1 and Guaranty Bank. The federal prudential banking regulators—who have long expressed concern about payday lending and who stopped banks from partnering with non-bank payday lenders years ago—have recently expressed serious concern about bank payday lending and proposed guidance that would put in place important protections. In addition, the Consumer Financial Protection Bureau (CFPB) recently released initial findings based on its analysis of bank payday data, expressed concern based on those findings, and indicated that it will take further action to address those concerns. CFPB’s findings are noted throughout this chapter, and the supervisory developments are discussed in the Legislation and Regulation section at the end.
Internet Payday Lending: How High-Priced Lenders Use the Internet to Mire Borrowers in Debt and Evade State Consumer Protections November 30, 2004 Executive Summary • Payday lending has expanded from check cashing outlets, pawn shops and payday loan outlets to the Internet. Loans are marketed, delivered and collected online at rates and terms that mire cashstrapped consumers in repeat borrowing at extremely high costs. Finance charges are in the $25 (650% APR) to $30 (780% APR) per $100 borrowed range, with built in loan flipping in many contracts. • Web sites marketing and/or delivering small loans are growing rapidly, with numerous referral sites feeding applications to actual lenders. Lenders are hard to locate, identify or contact. Some are licensed in their home states, while others hide behind anonymous domain registrations or are located outside the United States. • Banks are involved in Internet payday loans through the Automated Clearing House System (ACH) used to electronically deliver loans to consumers’ bank accounts and to withdraw payments. County Bank of Rehoboth Beach, DE, participates directly in Internet payday lending. • Internet payday lenders bypass state usury laws and consumer protections by locating in lax regulatory states and making loans without complying with licensing requirements or state protections in the borrower’s home state. State regulators, notably in Kansas, New York and Colorado, are beginning to enforce state usury and small loan laws against lenders making loans online to state consumers. • Payday loan applications made online expose consumers to privacy and security risks as bank account numbers, Social Security numbers, and other personal financial information are transmitted to lenders, often over unsecure web links. Privacy policies do not protect privacy. • Federal electronic banking laws and industry self regulatory rules for use of the Automated Clearing House (ACH) system do not adequately protect consumers who use electronic fund transfers to borrow and repay loans from bank accounts.
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
This program is designed to meet the requirements of 29 CFR 1910.178, regarding protection from hazards of using forklifts, tractors, platform lift trucks, motorized hand trucks, and other specialized industrial trucks powered by electric motors or internal combustion engines. RESPONSIBILITIES Department Head Responsibilities 1. Maintain files of all required training documentation and certification as maybe required by Berea College or any other Federal or state agencies. 2. Maintain a safe and healthy work environment that is free of hazard for all departmental employees and student laborers. Employee Responsibilities 1. Employees are responsible for attending all scheduled departmental training sessions and those provided by other agencies. 2. Employees are responsible for adhering to safety policies and procedures of their department and safe work policies and procedures of Berea College. 3. Employees are responsible for taking proper safety precautions as outlined within this policy. 4. Employees are responsible for wearing proper protective equipment as specified and/or specified by their supervisor, department policy, and/or the Campus Policy. 5. Employees are responsible for reading all warning labels and following warnings and instructions. Trainers - will prepare, audit and revise this program as necessary; will also communicate to personnel responsible for operating the forklifts the procedures for operating and maintaining the forklifts within the College Supervisors - will ensure compliance with this program by all personnel responsible for operating forklifts through monitoring performance and having regular, systematic inspections of the forklifts All Operators - will operate and maintain forklifts in a safe manner Berea College Workplace Programs: Rev 2009