Trump tax cuts help Bank of America have most profitable start in history

Bank of America is off to the most profitable start to a year in its 114-year history. Aided by a tail wind created by the Trump tax cuts, the bank on Monday reported a 33 percent spike in second-quarter profits — exceeding expectations. The increased in profits, to $ 6.8 billion — more than the $ 5.9…
Business | New York Post

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Treasury probe of bank linked to Kushner loans is ‘ongoing’

The US Treasury Department is continuing to investigate a California bank that has lent money to and bought mortgages from presidential son-in-law Jared Kushner’s real estate company, The Post has learned. BOFI Holding, previously known as Bank of Internet USA, is under investigation by the department’s Office of Inspector General, the agency’s counsel, Rich Delmar,…
Business | New York Post

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Bank of America picks ex Macron adviser Mourad to run investment banking for France – sources

LONDON/PARIS, June 15 (Reuters) – Bank of America
has hired Morgan Stanley veteran Bernard Mourad, who recently
worked as an adviser to French President Emmanuel Macron, as its
new head of corporate and investment banking for France, three
sources familiar with the matter told Reuters.


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Why ISF Bank, the Last Black-Owned Bank in Illinois, Is Changing Its Name

Come July, Illinois’ only black-owned bank, ISF Bank, will rebrand and rename itself Groupe Nduom (GN Bank).

The name change, according to Dr. Papa Kwesi Nduom, the Chairman of ISF Bank, is a move to become a successful, profitable African American-owned bank with a “strong operational discipline, excellent compliance record with our regulators and with a strong customer friendly reputation.”

During the recession of 2008 and the years after, many black-owned banks that were hit hard had to shut down. By 2010, the number of African American-owned banks had dwindled down from the 55 there were in 1994 to 34. Today, the number stands at just 21. Even as Unity Bank expanded to Atlanta, black-owned banks still struggle to keep themselves afloat. The same fate awaited ISF Bank. According to the Chicago Tribune, the bank had been ordered by regulators to boost its capital levels or risk being seized by the government and handed off to another bank.

The Nduom family came to the rescue in 2016. The family, which owns Groupe Nduom, a 5,000-employee conglomerate that spans West Africa and the United Kingdom and included media, hospitality, and banking interests, invested $ 9 million in the bank. And while the investment marks the group’s entry into the United States’ financial services market, Nduom told Black Enterprise that the bank will remain true to the ISF history and heritage.

In this regard, an ISF Heritage/Customer Appreciation Day should be celebrated to ensure continous connection to the community that gave it birth—history, financial management, education, entrepreneurship counseling, etc.,” he wrote in an email.

Nduom said he has informed customers, management ,and his employees that the office of the comptroller of currency has given approval to the bank to change its name. The official name change will take effect in July.

Our family has developed an internationally known banking brand called GN Bank, which started off as a savings and loans company and has grown to become an international bank with more than 300 branches,” he said. “We believe the time has come to bring that brand here to give assurance that this bank is here to stay and will remain African American-owned.”

Since ISF Bank was taken over by the Nduoms, the family has taken ample steps in “focusing on its technology, loan portfolio, and products, and to reconnect it with the neighborhood.” When the bank hosted its National Mom and Pop Day in 2017, 80 small businesses showed up. The bank has also reconnected with the community through faith-based institutions, community groups, and events with small businesses. “We plan to work with leading African American-owned businesses in Chicago to offer entrepreneurship counseling as well,” Nduom told Black Enterprise in 2017.

Besides the name change, Nduom is also setting bold targets for the year:

  • Achieve profit target.
  • Implement performance-based management with specific targets for management and departments.
  • Meet regulatory requirements.
  • Prepare a three-year business plan for significant growth from 2019 through 2021.

The post Why ISF Bank, the Last Black-Owned Bank in Illinois, Is Changing Its Name appeared first on Black Enterprise.

Money | Black Enterprise

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Reed Hastings and the Obamas are making bank with Netflix deal

Reed Hastings, the founder, chairman and CEO of Netflix, had quite a run last week. The darling of streaming saw his company pass Disney and Comcast in market cap as his stock hit an all-time high of $ 352.90 a share. Hastings also notched a multiyear deal with former President Barack Obama and wife Michelle’s production…
Business | New York Post

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Deutsche Bank reportedly set to lay off 10,000 workers

Heads are rolling at Deutsche Bank again. The beleaguered German bank is reportedly planning to lay off as many as 10,000 employees, or 10 percent of its workforce, through next year. The planned cuts, which are coming about two months after the bank elevated its new CEO Christian Sewing, accelerate and deepen layoffs that were…
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Japanese bank launches $400M ‘patent troll’ fund

SoftBank’s Fortress Investment Group is raising a $ 400 million fund to sue tech companies over intellectual property infringement, The Post has learned. That’s despite the fact that SoftBank — controlled by Japanese billionaire Masayoshi Son — has a $ 100 billion Vision fund that invests in exactly the kinds of companies targeted by so-called “patent trolls”…
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Pinnacle Foods, under pressure from activist, hires investment bank to mull options

Barry Rosenstein may be inching closer to bagging another fortune in the supermarket aisle. Pinnacle Foods — the maker of Hungry Man TV dinners and Vlasic pickles — has hired Evercore Partners to explore strategic alternatives as it faces prodding from Rosenstein’s activist hedge fund Jana Partners, sources told The Post. Rosenstein’s Jana — which…
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A Chinese State Bank Offered Dinner With Trump for $150,000. The Trump Campaign Was Not Amused

China’s second-largest state-owned bank offered wealthy clients the opportunity to have dinner with the American president for $ 150,000 a ticket, spurring a complaint from Donald Trump’s re-election campaign to the U.S. Department of Justice.

A branch of China Construction Bank Corp. invited high-net-worth clients willing to pay the ticket price to a May 31 dinner in Dallas, according to an invitation seen by Bloomberg News and confirmed with bank staff. Chinese participants would have the opportunity to communicate with U.S. “tycoons,” take photos with Trump and get his autograph, according to the invitation.

While Trump was expected to host a $ 50,000-a-head fund-raising dinner with the Republican National Committee in Dallas that night, it’s illegal for U.S. political campaigns to accept donations from foreign nationals or from corporations. That means only the Chinese bank’s customers with U.S. passports would be eligible to attend.

Officials with Trump’s campaign and the RNC said they had no knowledge of the Chinese bank’s advertisement before Bloomberg News asked about it. The campaign alerted U.S. Attorney General Jeff Sessions’ office about the solicitation, said a person familiar with the matter, who asked not to be identified discussing a potential law enforcement matter.

Employees Marketed

China Construction Bank’s Shenzhen branch said organizers in China promoted the event to the branch and then some employees marketed it, adding that the outlet itself wasn’t involved. The bank will strengthen internal management and marketing oversight, it said in an emailed statement.

The bank earlier forwarded a statement from VVISA, a Shanghai-based travel agency, which said it assisted with other groups that initiated the offers to participate in the event.

The invitations were circulating in China even as Trump met with President Xi Jinping’s top economic envoy to discuss a resolution to the ongoing trade dispute between the world’s two largest economies. Some version of the solicitations included references to signs of progress in negotiations and ZTE Corp., the sanctioned Chinese telecommunications equipment maker promised a personal reprieve by Trump earlier this week.

Trade Frictions

As Sino-U.S. trade frictions have eased recently, Chinese businessmen including representatives from ZTE were invited to Dallas to attend President Trump’s dinner, and thus discuss cooperation and development with U.S. political and business elites,” the invitation said. The Shenzhen branch later reissued the invitation Thursday to remove references to trade friction and ZTE.

Notably, the tickets advertised by the Chinese flier were three times more expensive than those selling to U.S. donors for Trump’s Dallas event. The fund-raiser was previously reported by the Dallas Morning News, which obtained U.S. invitations to the event.

“We do not accept foreign donations of any kind,” a Trump campaign official said in a statement, declining to be identified by name. “Since it has been brought to our attention, we have notified the appropriate authority about this unauthorized flier.”

Client Treat

Construction Bank’s solicitation was confirmed by two people at the bank who said the dinner was a treat for private banking clients of the Shenzhen branch, and that they’ve already received some queries from private and state businessmen. The deadline for the registration is May 25 and applicants must hold U.S. visas and go through a background screening process to show they don’t have U.S. criminal records.

The Shenzhen branch acquired the tickets from VVISA, according to a person familiar with the matter. Both the bank and the travel agency earn commissions from the sales, said the person, who asked not to be named discussing internal bank business.

VVISA said the invitations were initiated by a U.S. foundation and a Chinese entrepreneurs group and assisted by VVISA, with no relation to Construction Bank. The event is still proceeding and VVISA is cooperating with many institutions, it said in the statement, adding that participants are paying on their own.

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Looking to Teach? Here Are the Top Cities Where You Can Actually Make Bank


It’s Teacher Appreciation Week, which means gifts from overachieving students and freebies and discounts at restaurants.

But given the rash of walkouts and strikes in certain pockets of the country lately, it’s clear that many teachers feel overworked and undercompensated. In a recent interview with former public school teacher Jennifer Ross, she acknowledged working more than 60 hours most weeks and spending off time planning classroom activities.

And, according to an annual report from the U.S. Department of Education, dozens of districts across the country are facing teacher shortages (some are even begging retirees to come back to the workforce to fill the void).

But some places are bucking the trend. What about the cities that pay their teachers what they’re actually worth?

For Riverside County Superintendent Dr. Judy D. White, it’s simple: To prepare more students for college — and raise what were less-than-stellar college graduation rates — the district needed stellar teachers.

“When study after study reveals that great teachers have an enormous impact on student success, it becomes a priority for schools to focus on teacher compensation, professional development and retention strategies,” White said in an email.

Last year, White’s administration negotiated a 10% raise for about 650 teachers with the local union. Though that’s a fraction of the more than 20,000 teachers in the Riverside metropolitan area, it demonstrates why Riverside is one of the top paying metros for teachers.

For Teacher Appreciation Week, we wanted to find the top cities for teachers — elementary, middle and high school — when it comes to annual pay. So we pulled the most recent median annual salary numbers for the 50 metropolitan areas with the most teachers from the U.S. Bureau of Labor Statistics. (We used the median to avoid the effect of outliers, such as a 30-year veteran making more than six figures.)

But we ran into one big problem: Teachers in New York City obviously get paid more than those in Cincinnati, Ohio — because the rent is too dang high in NYC.

So we adjusted for the local cost-of-living to find the real pay in the top cities for elementary, middle and high school teachers using the latest regional price parities from the U.S. Bureau of Economic Analysis.

Metro areas in California and Ohio dominate the list, mainly due to competitive teacher pay in the former and the cheap cost of living in the latter.

Here’s the full list of the 30 best places for elementary, middle and high school teachers.

Note: We’ve only listed the name of the largest city in each metro area.

The 10 Best Cities for Elementary School Teachers

Teaching elementary school has its ups and down. You get to begin molding young minds, but also have to deal with the occasional “accident.” Then again, there’s nap time, which affords you some quiet to reflect on your life choices.

Here are the top 10 cities for elementary school teacher salaries:

1. Riverside, California

Real Pay: $ 80,412.37

Total Teachers: 20,180

2. Anaheim, California

Real Pay: $ 74,923

Total Teachers: 11,520

3. Virginia Beach, Virginia

Real Pay: $ 69,745

Total Teachers: 6,780

4. Cincinnati, Ohio

Real Pay: $ 69,552

Total Teachers: 8,620

5. Sacramento, California

Real Pay: $ 69,103

Total Teachers: 7,850

6. Boston, Massachusetts

Real Pay: $ 68,776

Total Teachers: 12,270

7. Los Angeles, California

Real Pay: $ 68,673

Total Teachers: 31,040

8. Columbus, Ohio

Real Pay: $ 67,261

Total Teachers: 9,320

9. Detroit, Michigan

Real Pay: $ 66,025

Total Teachers: 5,920

10. Cleveland, Ohio

Real Pay: $ 65,942

Total Teachers: 7,400

The 10 Best Cities for Middle School Teachers

Middle school is a transformative time for students — mostly thanks to puberty, which can make for quite a chaotic teaching environment. But that’s why middle school teachers are so important.

Here are the top 10 cities for middle school teacher salaries:

1. Portland, Oregon

Real Pay: $ 80,059

Total Teachers: 3,320

2. Hartford, Connecticut

Real Pay: $ 79,802

Total Teachers: 3,050

3. Riverside, California

Real Pay: $ 78,997

Total Teachers: 3,430

4. Sacramento, California

Real Pay: $ 71,208

Total Teachers: 2,760

5. Virginia Beach, Virginia

Real Pay: $ 69,959

Total Teachers: 3,490

6. Boston, Massachusetts  

Real Pay: $ 68,957

Total Teachers: 8,350

7. Cincinnati, Ohio

Real Pay: $ 67,769

Total Teachers: 5,680

8. Cleveland, Ohio

Real Pay: $ 66,856

Total Teachers: 7,470

9. Pittsburgh, Pennsylvania

Real Pay: $ 65,734

Total Teachers: 5,600

10. Columbus, Ohio

Real Pay: $ 65,403

Total Teachers: 4,680

The 10 Best Cities for High School Teachers

High school teachers are the last to instruct students before they head off to college or into the workforce (or into their parents’ basement — we’re not judging.) It’s largely up to them to prepare students for the real world.

Here are the top 10 cities for high school teacher salaries:

1. Buffalo, New York

Real Pay: $ 75,389

Total Teachers: 4,160

2. Anaheim, California

Real Pay: $ 75,349

Total Teachers: 7,460

3. Hartford, Connecticut

Real Pay: $ 74,653

Total Teachers: 5,050

4. Cleveland, Ohio

Real Pay: $ 73,746

Total Teachers: 8,930

5. Sacramento, California

Real Pay: $ 73,577

Total Teachers: 6,440

6. Riverside, California

Real Pay: $ 71,987

Total Teachers: 10,560

7. Portland, Oregon

Real Pay: $ 70,914

Total Teachers: 6,210

8. Providence, Rhode Island

Real Pay: $ 70,050

Total Teachers: 4,660

9. Virginia Beach, Virginia

Real Pay: $ 69,316

Total Teachers: 4,660

10. Boston, Massachusetts

Real Pay: $ 69,184

Total Teachers: 11,620

Alex Mahadevan is a data journalist at The Penny Hoarder. If he wasn’t a reporter, he’d probably be a math teacher.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Breaking Bank: How Bankruptcy Affects Inheritances and Estate Plans

Bankruptcy affects hundreds of thousands of Americans every year. In 2017, the United States Courts reported that there were 796,037 bankruptcies filed in that fiscal year—only a 2.8% decrease from the total reported in 2016 (819,159).

With bankruptcy being such a common occurrence, it leaves many Americans a little shaken and concerned about how major debt can affect many aspects of their lives including their estate plans.

In this post, we’ll break down some basics of bankruptcy and explain how it affects inheritances and estate planning.

What is Bankruptcy?

Bankruptcy is a financial and legal term that refers to when an individual, business, or municipality has so much debt that they must petition the United States Bankruptcy Court to erase their debt. The court rules the petitioner as insolvent (which means they are unable to pay back creditors because their debts or liabilities exceed their assets), and then the petitioner will either liquidate their assets or create a repayment plan with an economic advisor to pay off their debts.

Bankruptcy is governed by federal law, and the cases are filed in the United States Bankruptcy Court. However, state law is usually applied to issues involving property rights, so many systems can be at play.

When someone is declaring bankruptcy, a petition is filed under one of the chapters of the Bankruptcy Code, which acts as a framework for providing economic relief and determining how the claimant’s debts are settled.

There are nine chapters of the Bankruptcy Code (although they are not numbered 1 through 9). Typically, an individual claiming bankruptcy (also known as a debtor) will file under:

  • Chapter 7 of the Bankruptcy Code, which relieves the debtor through liquidation (the sale) of their assets to pay back creditors
  • Or Chapter 13 of the Bankruptcy Code, which provides relief through adjusted debts (usually allowing a debtor to keep some property) and a payment plan that allows the debtor to pay back creditors over 3 to 5 years

When the debtor meets all the requirements of their bankruptcy filing, they will receive a court-ordered bankruptcy discharge that relieves them from their obligation to pay their debts. Having debts discharged prevents creditors from continuing collection actions on those specific debts again (this includes calls, letters, and civil suits).

Does Bankruptcy Affect Inheritances?

Bankruptcy can, and often does, affect inheritances as long as the debtor inherits property or money while they are in bankruptcy.

When an individual files for bankruptcy, a bankruptcy estate is created. The estate (under the control and protection of the Bankruptcy Court and an appointed bankruptcy trustee who acts as an administrator for the estate) is considered the temporary legal owner of the debtor’s assets and property. The bankruptcy estate’s ownership over the debtor’s assets can extend to any additional assets the debtor receives while he or she remains in bankruptcy, including inheritances.

How inheritances are affected can depend on which chapter of bankruptcy the individual has filed under. Since many people file under Chapter 7, where their assets are sold off to pay back creditors, the inheritance is usually lumped into that process.

For example, if a debtor receives $ 30,000 from the residue of their parent’s estate, it will act as a lump-sum payment to be subtracted from the debtor’s total debt. Likewise, if the debtor was left valuable property like a car, it would be liquidated for cash and then paid to creditors.

Will an Inheritance Always Be Used to Pay Off Bankruptcy Debt?

The timing of an inheritance is very important when it comes to whether or not it will be used to pay off a bankruptcy debt. An inheritance might not always be claimed by the bankruptcy trustee to pay off the insolvent’s debts. In a Chapter 7 claim, any inheritances received 180 days after filing will remain the property of the debtor and not the property of the bankruptcy estate.

In a Chapter 13 filing, the time elapsed after filing might not matter, as the judge can choose to take your inheritance into account to amend your repayment plan. This is because a large inheritance could be considered a significant increase of income thereby increasing your ability to make higher payments.

It should be noted, however, that whether or not an inheritance is used to pay off someone’s bankruptcy debt is dependant on when the decedent (the person who named the debtor as an heir in their Last Will and Testament) passed away, not the date the inheritances are distributed. To be specific, if the person leaving the inheritance dies within 180 days of the debtor filing for bankruptcy, the bankruptcy estate will replace the debtor as the beneficiary in the Last Will.

For example, if John claims Chapter 7 bankruptcy on January 1, and his aunt (who’s leaving him her $ 150,000 home as an inheritance) dies on June 30 (exactly 180 days later), John’s $ 150,000 home inheritance will be liquidated for cash and used to pay off his debts. Even if his aunt’s Last Will is tied up in probate court for over a year and he gets his inheritance after, the money will still go to the bankruptcy estate because his aunt died within the 180-day limit.

How Does Bankruptcy Affect My Estate Plan?

If you’ve created a Last Will and Testament as part of your estate plan, you will have left specific instructions as to how your assets will be distributed (and to whom) once you pass away. Of course, what happens to your property and assets upon your death depends on how much debt you’ve accrued.

Your debts will always be paid first before your beneficiaries receive any inheritances or gifts. That means that if you pass away in the midst of a pending Chapter 7 filing, your assets will be liquidated until your creditors are paid off. Only then will your beneficiaries see any inheritances from what’s left of your assets (known as the residue of your estate).

If you’ve filed under Chapter 13, however, things can get a little complicated because the debtor must actively participate in the proceedings by making payments for 3 to 5 years. Usually, if the debtor dies, the survivors and the estate trustee will decide what to do and petition the court for a course of action.

Typically, the courses of action that the administrator and survivors can take after a bankrupt debtor dies are:

  • Asking for the case to be dismissed
  • Petitioning for a hardship discharge (where the court discharges the debtor since they’ve passed away)
  • Asking to convert the case to a Chapter 7 filing (and then liquidating the estate until the bankruptcy terms are satisfied)
  • Continuing the case as normal

Keep in mind that these are requests of the court and the final decision will be left to the judge presiding over the case. The judge will approve the course of action that operates in the best interest of all parties.

When Navigating Bankruptcy, Use the Resources at Your Disposal

Declaring bankruptcy can be a stressful time for anyone, especially when it affects the possibility of future income from inheritances or the livelihood of your beneficiaries. Try to remember that you are not alone in the process.

The main thing you can do in the midst of bankruptcy is keep yourself informed about how your assets and future income might be affected. Don’t be afraid to ask your bankruptcy estate trustee for advice and try to keep in mind that you and your trustee are a team as you go through this tough time.

Have you dealt with bankruptcy or major debt before? What was your experience?

The post Breaking Bank: How Bankruptcy Affects Inheritances and Estate Plans appeared first on LawDepot Blog.

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Bank of Internet, which had been under federal investigation, appears in multiple Kushner deals

A bank under federal investigation unitl last year played a role in two recent real-estate transactions involving Jared Kushner’s family company, ProPublica reports.
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We should dedicate the ‘utmost effort’ to strengthening the open trade system, development bank says

Trade has been responsible for lifting growth in many countries, said Takehiko Nakao, president of the ADB.
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President of Largest Black-Owned Bank: Boomers Can Learn Economic Optimism from Millennials

As graduation season approaches, most black parents have high anxiety about how our children can possibly achieve the American dream given economic inequality in America, while our children are confident their journey will be smooth and successful.

What if they’re right?

Research indicates a need for high anxiety. A recent study by Prosperity Now, The Road to Zero Wealth, quantifies the accelerating decline in black wealth over the past 30 years and projects if current trends continue, by 2053, black households will have a median wealth of $ 0! Furthermore, income inequality between blacks and whites is driven entirely by racism toward black boys, even when raised in wealthy black homes, according to a recent study by Stanford, Harvard, and the U.S. Census Bureau. While our children may be overly confident, we also have much to learn from them.

[RELATED STORY: STUDY: EVEN WHEN BORN INTO WEALTH, MANY BLACK BOYS DESTINED TO BECOME POOR] 

Are we underestimating Millennials?

As president and owner of OneUnited Bank, the largest black-owned bank in America, I have the opportunity to speak about financial literacy with many black communities across the country. Their feedback indicates a generational divide between baby boomers and millennials that begs the question, is past prologue? Are we underestimating our children?

For instance, for many years OneUnited Bank presented itself as a community bank that happens to be black-owned. About five years ago, we recognized the importance of speaking in our authentic voice to better serve urban communities and became unapologetically black. When young blacks hear this, they immediately snap their fingers as if to say “Amen.” Baby boomers, believing their “ice is colder,” often perceive black-owned institutions as offering less service at higher prices than a white company even when untrue.

I was blindsided once when after the typical recitation of my personal story, including Brown University, Harvard Business School, and working in the top ranks of Bank of America and American Express, someone asked, “But who are you?”

A black artist commissioned to paint an authentic mural of the black experience on OneUnited Bank’s Miami office pushed me to reflect. I finally recognized that more meaningful than my résumé, I am the great-grandchild of Annie Coachman, aka Ma Honey, who owned a barbecue pit, juke joint, candy store and real estate in Indiantown, Florida, a small town where blacks lived on one side of the railroad tracks, whites on the other. I lost touch with the enduring role Ma Honey played in my life, partially because she passed away my freshman year, but more because of the condescending reaction I experienced at Brown to my Indiantown roots.

My personal story touches a nerve with baby boomers who experienced the journey from segregation to integration. Some of them even shed a tear for the undervalued “Ma Honey” in their lives. Millennials and Generation Z, whose formative years were punctuated by the presence of a black president, make it clear they have no doubt about the value of their culture and roots, and have no tolerance for inauthenticity. For them, black is “lit.”

The generational differences are real.

While baby boomers express ambivalence about being perceived as “too black” and may even prefer the term “urban,” millennials created the #BankBlack and #BuyBlack movements, driving millions of dollars to black-owned banks and businesses. Since OneUnited Bank has embraced its “unapologetically black” voice, including our advocacy for social justice and #BlackLivesMatter, our customer base has doubled.

The black community is more focused on its $ 1.2 trillion in annual spending and the inaugural We Buy Black Convention is taking place in Atlanta in November.

With 43% of the 75 million millennials identifying as African American, Hispanic, or Asian, if a brand doesn’t have a multicultural strategy, it doesn’t have a growth strategy, according to Nielsen. Black consumer choices have a “cool factor” that moves markets. Hip-hop and authentic black performances— such as “Black Panther,” Pulitzer Prize-winning artist Kendrick Lamar and Beyoncé—have shaped global culture and generated billions. And black consumers are more likely to interact with brands on social media, use social networks to support companies and brands, or conversely, “call out” companies perceived to disrespect the black community.

There is no question economic mobility remains challenging for the black community, and we need to double down on our fight for social and economic justice. And as parents, we are rightfully concerned about our children’s future. Yet, we must also acknowledge black youth and young adults are a powerful voice and a growing economic force who can succeed against the odds because, in their minds, Wakanda is real.

The post President of Largest Black-Owned Bank: Boomers Can Learn Economic Optimism from Millennials appeared first on Black Enterprise.

Money | Black Enterprise

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Fairness of trade is a key focus, World Bank chief says

Kristalina Georgieva's comments come as the IMF has warned of "dark clouds" on the horizon for the global economy.
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BRAZIL: Good Fiscal Policy Helps Central Bank, But Not Essential – Goldfajn

Although adequate fiscal policy eases the work of the Brazilian Central Bank, monetary policy can act without great restrictions even when the fiscal side is inadequate, said the monetary authority’s governor, Ilan Goldfajn, during an International Monetary Fund (IMF) session.
RTT – Economic News

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Bank Of America Q1 Profit Increases

Bank of America Corp. (BAC) reported a profit for the first-quarter that increased about 34 percent from the prior year. Quarterly revenue, net of interest expense, increased about 4 percent from last year. Net interest income for the quarter increased 5%, reflecting benefits from higher interest rates, as well as loan and deposit growth. Provision for credit losses stable at $ 834 million.
RTT – Earnings

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What is Tristan Thompson’s net worth? He can certainly break the bank

What is Tristan Thompson’s net worth? He can certainly break the bank


What is Tristan Thompson’s net worth? He can certainly break the bank

In December 2017, after pregnancy rumors swirled around the duo for months, Khloé Kardashian announced that she was expecting with boyfriend Tristan Thompson. And now, just days before Khloé is expected to give birth to a baby daughter, cheating rumors have engulfed the couple after TMZ released footage of what appeared to be Thompson with several other women. Neither party has publicly commented on the situation as of yet, and at the end of the day we have no idea what goes on in the couple’s private relationship (nor should we). So we’ll avoid making any assumptions at this time.

However, many fans currently have questions about Thompson, one in particular being: What is Tristan Thompson’s net worth?

Thompson, the Cleveland Cavaliers center/power forward, signed a five-year contract with the basketball team back in 2015. According to ESPN, the deal was worth $ 82 million, meaning Thompson is earning about $ 16.4 million annually until 2020.

According to Spotrac.com, Thompson’s pay is expected to increase towards the tail end of this deal. He’s projected to earn around $ 17.4 million for the 2018-2019 season and $ 18.5 million for the 2019-2020 season.

The site Celebrity Net Worth pegs Thompson’s net worth at only $ 8 million. But with this new contract, it’s expected that his net worth has grown significantly since 2015. This information was most likely pulled and estimated from his previous four-year contract in which he was making about $ 4 to $ 5 million annually.

For comparison, Khloé Kardashian’s net worth is around $ 40 million. She compiled her earnings from her starring role and executive producer position on Keeping Up With the Kardashians. Her spinoff series, Kocktails with Khloé and Revenge Body with Khloé Kardashian, also contribute to that hefty number.

❥ Mom and Dad ❥

A post shared by Khloé (@khloekardashian) on

Forbes reported in 2016 that the combined net worth of all the Kardashian leading ladies (Jenner sisters included) peaks at around $ 122.5 million. Due to the success of Kylie’s makeup line, Khloé’s Good American clothing line, among other Kardashian ad and brand deals, we can only expect to see that combined net worth amount increase as time goes on.

Happy Saturday loves!

A post shared by Khloé (@khloekardashian) on

Net worths aside, we’re sending so much love to Khloé right now and can’t wait to meet her baby daughter.

The post What is Tristan Thompson’s net worth? He can certainly break the bank appeared first on HelloGiggles.

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With ECB President Mario Draghi likely to display a dovish tone again, there might be growing disagreement in the Governing Council.
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NAACP Files Racial Discrimination Lawsuit Against Capital One Bank

Over the past two years, Capital One Bank has been closing many of its brick-and-mortar locations around the state of Texas in what the bank claims to be a cost-cutting measure. The NAACP, however, has filed a lawsuit in federal court against the publicly traded company, alleging that its actions are discriminatory against its black and Latino customers, while also using black celebrities in its commercials to enhance its agenda.

The suit, filed in federal court in the Southern District of Texas, alleges that black and Latino customers are encouraged to use ATM cards to transact their business with the bank, which reduces the possibility of minority customers applying for mortgages, credit, and traditional banking services.

Actor Samuel L. Jackson, revered director, Spike Lee, and NBA Hall of Famer, Charles Barkley, have all featured in many of Capital One’s ads. The civil rights organization said the black celebrities are being unwittingly used to advance its agenda to relegate its minority bank customers to only debit-card carrying customers when their commercials ask, “What’s In Your Wallet?”

Capital One Fires Back

Capital One said in a statement to Black Enterprise that the assertion “is so offensive and so far from the truth, it doesn’t merit a response.”

“Capital One has been thoughtful about its branch strategy in order to provide the right physical presence in all of our markets that considers the needs of our customers, the communities we serve, and Capital One,” the bank said.

Last June, Capital One said it closed its seven San Antonio-area branches as part of cost-cutting measures. About 40 of the bank’s employees lost their jobs as a result of the closures. MySA reported that were also dozens of branch closings in 2016.

Company Chairman and CEO Richard Fairbank told analysts on a conference call last January that the company “recognized $ 160 million in branch optimization costs last year.”

“We regularly review our entire network, which includes opening branches, improving current branches and closing or consolidating branches. It’s an ongoing process,” Amanda Landers, a company spokesperson told MySA last year.

In November, the company announced it was laying off 950 people in Plano, as it exited the mortgage and home equity business and closed a call center.

“It was a difficult decision to make and we recognize the effect that it will have on our customers and associates,” Landers said. “It was a business decision based on the long-term cost, real estate and customer needs of this market location and not a result of individual associate or organizational performance.”

Capital One is either closing or has already closed banking centers in Beaumont, Corpus Christi, Fort Worth, Harlingen, Houston, McAllen, San Antonio, Texarkana, and Tyler, according to the company’s filings with the Office of the Comptroller of Currency, the Statesman reported.

The branch closures follow industry trend as consumers opt to use institutions’ websites and mobile apps as opposed to going to the physical store locations to conduct financial transactions. NAACP’s suit, however, alleges that Capital One has engaged in a conscious and deliberate plan to close banks in black and Latino communities while keeping ones in white communities open.

Joining NAACP in the lawsuit is the League of United Latin American Citizens, and Laurie Vignaud, a former Capital One employee.

The suit alleges that Vignaud, an African American female, was involved in monitoring “the knowledge and reactions of the black and Latino communities” on behalf of the bank. Vignaud repeatedly brought to her superior’s attention that the bank was violating the law by discriminating against minority communities, the suit alleges.

A spokesperson for the bank said the suggestion that the bank “monitors” the groups is offensive.

“Capital One has long believed that engagement with our customers and our communities is critical to understanding their needs,” the bank said. “This includes long-standing partnerships with community groups and advocacy organizations, hosting and participating in community-oriented events, and conversations with customers and local leaders to discuss mutual priorities and issues of shared concern.”

In a press release, NAACP said Vignaud “ceased being offered developmental and promotional opportunities while the same opportunities were being offered to less-qualified white employees.” The suit alleged that Vignaud was removed from work assignments which were, in turn, being directed to her white colleagues. She was advised that her marketing strategies were not effective but the suit claims that her strategies were later used as a model for Capital One nationally. As a result, Vignaud who has been with the company for nearly two decades was fired.

“All the allegations in this case are baseless and we will vigorously defend ourselves in this matter,” the bank said.

Efforts to reach representatives from the NAACP were unsuccessful.

The post NAACP Files Racial Discrimination Lawsuit Against Capital One Bank appeared first on Black Enterprise.

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Bank of America takes aim at gun-making clients

Feb 24 (Reuters) – Bank of America Corp on Saturday
became the latest financial heavyweight to take aim at
gunmakers, saying it would ask clients who make assault rifles
how they can help end mass shootings like last week’s massacre
at a Florida high school.


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New owner moves Golf magazine to bank building

Do they get to keep bankers’ hours? Golf and Golf.com, which were sold by Meredith last week, will be moving their offices into Manhattan’s Emigrant Savings Bank building. It’s a rather odd choice until you understand that Howard Milstein, who bought the properties from Meredith, also owns the bank — which happens to be the…
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This Twisted IRS Scam Puts Cash in Your Bank… but Costs You Big Later

Just imagine logging in to your bank account and discovering Uncle Sam has generously deposited a few thousand dollars. It’s a tax refund you weren’t even expecting!

In the words of the great Admiral Ackbar, “It’s a trap!”

According to an article at CBS Money Watch, the IRS is warning people that tax refund scams are on the rise this year. Just the good news we needed, right?

How These Tax Scams Work

Thanks to a few tax preparation locations that were hacked, the bad guys have thousands of people’s personal information. They use this information to file fraudulent tax forms that bring back nice tax refunds.

That refund, however, goes to the person whose name and address is on the form. That means if a fraudulent claim is made in your name, the money will come to you via direct deposit or check.

Yay! No, not really.

Once you get your monetary surprise, the bad guys will give you a call claiming to be the IRS or a debt collection agency retrieving the money for the IRS. Or you may get a recorded message accusing you of tax fraud and threatening arrest if you don’t call a phone number to clear it all up.

The IRS is not calling anyone, but guess what: It does want that money back. If you get a surprise check or direct deposit from the IRS, you need to return that money. If it’s a direct deposit, talk to your bank, and it can send it directly back to the IRS. You may also want to close that account since it’s obviously been compromised.

If you receive a check, write “VOID” across it and send it back as soon as you can with a completed Form 14039, which is the identity theft affidavit. If you already cashed or deposited that check, send a personal or cashier’s check for the amount to the IRS.

If you have more questions on what to do if your identity is compromised, the IRS has a Guide to Identity Theft available.

As painful as it may be to get surprise funds and then immediately return them, it would be far worse to try to keep the money. Ill-gotten gains will only do bad things.

One easy step to avoid getting scammed is to file your taxes early. If your legit taxes are filed, it makes successful false filing far less likely. Once you have the W-2s, 1099s and other forms you need to file, get organized and get those taxes done. It could save you a lot of headaches.

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. Catch him on Twitter at @Tyomoth.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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The amazing story of Green Bank, West Virginia

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Can you imagine having to spend time without your phone or internet? Seems unthinkable, right? We rely so much on technology these days that it seems unlikely we could get through a day without using technology of some description. Whether we are sending an email on our phones, updating our Facebook status on the laptop, or watching Netflix on the iPad, tech is a big part of our lives.

And what’s the one thing that unites all these? Yes, they are all technology, and we all rely on them. But, the main thing that links them all together is Wi-Fi – there is no way to use any of these items properly without an internet connection. So, imagine for a moment you didn’t have any wireless. Now you know what the citizens of Green Bank, West Virginia face on a daily basis! Allow us to expand:

Green Bank, West Virginia

The name probably evokes that small town feeling for you, it certainly does for us – and you’d be bang on the money. The population of Green Bank is a tiny 143, and, judging by what goes down here, we aren’t in the least bit surprised. You see, Green Bank is actually one of the only towns in the world where wireless signals of any kind are actually illegal! Let’s break that down for you – that means no WiFi for your cell phones. No Bluetooth. No electronic transmitters. Basically, the tech-savvy teen’s worst nightmare in every sense of the word.

So what’s the deal?

Okay, so why on Earth would any place in the Western world make it illegal to have wireless signals? Surely that would result in people being cut off from the world? Well, yeah – probably accounts for the tiny population. But, the reason behind this is not to frustrate and annoy, but rather a reason that is linked to science. See, the town cannot have wireless signals moving about, as a result of the Green Bank Telescope. The GBT is the largest steerable radio telescope on the planet, and one of the most important scientific links to the universe.

The telescope

Scientists use the telescope to find out fascinating things about the universe and the Solar System. In fact, they listen to radio energy that has come on a journey of many light years, giving crucial information about how stars and galaxies are created. Any rogue signals in the area could disrupt these radio waves, and ruin years of research, not to mention stopping us from finding out important information about the world and how the universe works.

There is one way

Okay, so you’re probably crossing Green Bank off your list of places to go, right? Not so fast. Before you do that you need to know that there is one way of getting wireless signal and being able to update your social media while you’re here. Head for the Snowshoe Mountain Ski Resort, where they have managed to get radio waves to a low enough frequency that they won’t disrupt the telescope. This was incredibly difficult and took a long time to achieve, but achieve it they did!

So, if you ever want to head to the town where wireless signals are illegal, you’ll know to head for Green Bank, West Virginia. There are so many reasons to not go, but, wouldn’t you love to head to a place this unique, if only for a while. How many people can say they have been to a town like this? Furthermore, you might get to check out the telescope as well!

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The post The amazing story of Green Bank, West Virginia appeared first on Worldation.

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To succeed, you'll need to find the signal in the noise.
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Here’s How Much Bank of America Customers Will Pay for Having a Low Balance

Almost every one of us has a checking account. For many of us, that checking account is the way we pay our bills and budget for our lives.

It’s not where we store an abundance of money.

Most banks offer this service for free with certain stipulations, hoping that once they have you as a checking account customer, you’ll also get a savings account and loans from them.

Recently, some Bank of America customers who have enjoyed a free eBanking checking account got a surprise.

What Bank of America Will Charge Customers With Low Balances

For years, Bank of America has offered an eBanking checking account that allowed consumers to keep a free checking account if they agreed to go paperless and handle most transactions via ATM or online transfer.

No more.

Bank of America has eliminated its eBanking checking account and moved those customers to what it calls a Core Checking Account. Members who don’t fit certain criteria for this account may be charged a $ 12 monthly maintenance fee.

To avoid this fee, customers with a Core Checking Account will need to either have at least one direct deposit of $ 250 or more each month or maintain a minimum monthly balance of at least $ 1,500.

Wait. What? Yep. That’s right. Bank of America wants to charge you money for not having enough money. As if outrageous overdraft fees weren’t enough!

To be fair, checking accounts are expensive to maintain for banks. More banks are charging a monthly fee to customers who don’t maintain a minimum balance, The Chicago Tribune reports.

Yikes.

Students under 24 who are enrolled in high school, college or a vocational program are exempt from Bank of America’s fees.  

Not everyone is taking this news lying down. There is a petition on Change.org asking Bank of America not to end its free checking. At the time of this post, that petition had more than 50,000 signatures.

If you have regular direct deposits coming into your account, this may not affect you. And if you have $ 1,500 in your checking account at all times, you may want to consider upgrading to an interest-bearing checking account to cash in on that idle money.

Here’s What to Do to Avoid Checking Account Fees

If you’re one of the many people whom Bank of America will switch over to a Core Checking Account and won’t be exempt from the fees, there are better options out there for you.

First, if you don’t want to switch banks, dig into your financial situation. Does your employer offer direct deposit? If you can get your paycheck via direct deposit, you may have solved the issue. Otherwise, you might want to consider the Bank of America SafeBalance Checking Account. While it does have a $ 4.95 monthly maintenance fee, that’s less money wasted, and you also don’t have to worry about overdrafts. On the downside, you won’t actually get any checks, but how often do you really need those?

Switching banks can be a pain, but it’s worth it if it will save you money and headaches.

Not sure which bank is right for you? We graded eight checking accounts so you don’t have to do the legwork to find a new place to store your money. Some banks can even help you get your paycheck faster.

Whatever you do, don’t lie back and simply let your bank take $ 144 of your hard-earned money away from you every year. There are far too many better options out there. Go find one!

Tyler Omoth is a senior writer at The Penny Hoarder who loves soaking up the sun and finding creative ways to help others. He’s paid far too many bank fees in his days. Catch him on Twitter at @Tyomoth.

This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.

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Bank of America to End Free Checking Accounts for Low-Balance Customers

Bank of America is doing away with the free checking account option — often used by people with low incomes — and will now require customers to keep more money in the bank in order to avoid a monthly fee.

via Money Magazine:

The Charlotte, N.C.-based bank this month is moving all of its remaining eBanking customers to standard core checking accounts that charge a $ 12 monthly fee unless the customer receives a direct deposit of $ 250 or more or a minimum daily balance of $ 1,500, the Wall Street Journal reported. The move has been ongoing since 2015.

News of the bank’s decision did not go down well with some customers. A petition to revert the move on Change.org has garnered more than 45,000 signatures as of Monday evening. “Many low income families do not meet these requirements,” the author writes. “There have been times where I’ve only had $ 10 to my name. That wouldn’t even cover the maintenance fee.”

Banks often charge fees for checking services since accounts can be costly for institutions to maintain despite income from overdraft and other fees. But with this latest move, some Bank of America customers feel the bank is turning its back on its traditional values.

“Bank of America was one of the only brick-and-mortar bank that offered free checking accounts to their customers,” the Change.org petition reads. “Bank of America was known to care for both their high income and low income customers. That is what made Bank of America different. Bank of America was the bank of every American with a dream.”

 The bank offered a rebuttal: “For anyone who chooses us as their primary bank relationship, with a direct deposit of just $ 250 [per] month or $ 3,000 [per] year, they’ll get full access to all of our financial centers, ATMs, mobile and online banking,” a Bank of America spokeswoman told the Journal. “That’s a great value and our client satisfaction scores are at all-time highs.”

MONEY also reached out to Bank of America but did not immediately receive a response.

This is not the first time Bank of America has faced backlash over a decision to charge fees. In 2011, the bank toyed with the idea of charging customers $ 5 a month for making purchases with a debit card, but it eventually opted not to proceed with the plan.

While ending a free checking account option doesn’t sound like a major problem for most, this tweet puts it all into perspective:

The post Bank of America to End Free Checking Accounts for Low-Balance Customers appeared first on B. Scott – Celebrity Gossip and Entertainment News.

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Fired bond bigwig claims ‘scheming’ bank cheated him out of $15M payday

A Manhattan bond trader is fighting to keep alive a two-year-old battle against his former lawyers and accountants, alleging they “conspired” to keep him away from a $ 15 million payday. Drew Doscher — formerly of Seaport Global — was ousted from his job in 2013 after he discovered — and objected to — “multiple illegal…
Business | New York Post

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Bank execs sing praises of new tax law as windfall looms

Two of the nation’s biggest banks _ JPMorgan Chase and Wells Fargo _ indicated Friday that they expect to see significant future benefits from the recently enacted GOP tax bill, through both lower taxes and increased business
ABC News: Money

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A ‘big money indicator’ is pointing to more record highs for stocks: Bank of America

A technical strategist sees more room to the market's record run.
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Cramer’s game plan: Feeding the beast with a bank earnings kicker

Jim Cramer looked ahead to the stocks and events he'll watch next week, including two major conferences.
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Tax win will be huge for Trump, but don’t bank on political windfall

In decades to come, people will talk about the Trump tax cuts as they now reminisce over the Reagan, Bush and Kennedy giveaways.


CNN.com – RSS Channel – Politics

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Bank exec turned firm’s headquarters into sex den: suit

Banc of California? More like Hotel California. A top exec at the West Coast bank turned its headquarters into a den of iniquity, having sex with junior employees in his office, corralling workers for outings to strip clubs and indulging in drugs on the premises, according to an explosive lawsuit. That’s on top of allegations…
Business | New York Post

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McKinsey & Co. senior exec Thomas Barkin named new head of the Federal Reserve Bank of Richmond

The Federal Reserve Bank of Richmond on Monday named former McKinsey & Co. executive Thomas Barkin as its next president and CEO.
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OneUnited Bank and The Breakfast Club Raise $700,000 to Advocate for Social Justice

OneUnited Bank, (No. 2 on the 2017 BE BANKS list with $ 655 million in assets), recently joined forces with powerhouse 105.1 New York radio platform The Breakfast Club for their Change4Change Radiothon which raised more than $ 700,000 to support social justice initiatives and activists. The funds will benefit The Gathering for Justice, an organization founded by Harry Belafonte whose mission is to promote social justice, eliminate racial inequalities, and prevent child incarceration. The organization is also a sponsor of Colin Kaepernick’s Know Your Rights Campaign and The National Women’s March.

(Image: Instagram/cthagod)

 

Breakfast Club hosts Charlamagne Tha God, DJ Envy, and Angela Yee utilized texting for fundraising efforts, and celebrities called in to talk about social injustice and how important it is for everyone to do their part in being active in forging change. Music and Hollywood heavyweights including Diddy, Kevin Hart, will.i.am, Ludacris, Cardi B, Eminem, and Nick Cannon donated to the cause, and thousands of listeners contributed as well.

“Raising money is hard. For some reason, when it comes to doing the right thing, a lot of people don’t step up,” will.i.am, award-winning musician, entrepreneur, and activist told The Breakfast Club during a call from South Africa. “I’ll put in 20…20K.” His donation, according to the hosts, was an early spark to raise the bar for other celebrities to chip in generously.

During the radiothon, music mogul Diddy talked about the legacy and importance of the work of Harry Belafonte and the roadblocks today’s activists encounter in continuing social justice work. “We live in a time where we don’t have organizations that really have the infrastructure those guys had in the civil rights movement to be able to organize and galvanize to make change. … The only thing that is going to make change is money, to be honest—economic power,” Diddy told the show hosts. “Put me down for 100,000.”

Activists included Tamika Mallory lauded the efforts of the initiative and spoke out on how vital it is for communities to take active roles in making America greater.

“It’s truly an incredible feeling,” activist Mallory told The Breakfast Club. “If our people want us to continue to uplift our voices and tend to the most marginalized communities, we need to have the support whether it be $ 1 to $ 50,000. We need the support so that everyone has skin in the game.”

OneUnited Bank and its leadership, including power woman President and COO Teri Williams, have driven a social activism vehicle of their own, often encouraging the black community and its supporters to move their money into black-owned financial institutions (or #BankBlack) but also rev up efforts to support and partner in building black-owned businesses.

Panel session on black banks at BE’s 2017 Entrepreneurs Summit. Seated from left to right: Derek Dingle, SVP/Chief Content Officer, BLACK ENTERPRISE; Teri Williams, President and COO of OneUnited Bank; Sherifat Lawal Price, Assistant VP, Business Development and Marketing, Unity National Bank; and Ann D. Duplessis, SVP, Liberty Bank and Trust Co. (Image: File)

 

“It’s the threshold for a community to do business with ourselves,” Williams said at this year’s Black Enterprise Entrepreneurs Summit. She’s been vocal about the importance of black communities empowering themselves by thinking about social justice even in where they choose to bank. “Once you bank black, you don’t go back.”

Find out more information on the Change4Change initiative here. The Breakfast Club will take donations through Dec. 1.

Lifestyle – Black Enterprise

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At West Bank tea party, artist Banksy offers royal ‘apology’ for Balfour Declaration

BETHLEHEM, West Bank (Reuters) – British street artist Banksy has offered a royal “apology” engraved on Israel’s barrier in the occupied West Bank for Britain’s endorsement a century ago of the establishment of a Jewish homeland in Palestine.


Reuters: Arts

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European Economics Preview: Bank Of England Likely To Hike Interest Rate

The Bank of England is widely expected to lift its key rate for the first time in a decade despite Brexit uncertainties, as inflation continues its upward trend on a weaker pound.
RTT – Economic News

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It’s official: When a bank screws you over, you’re on your own

TwitterFacebook

Senate Republicans do not want their constituents to be able to defend themselves against banks and credit card companies. 

The Senate split its vote down the middle on Tuesday over a new rule that would have protected consumers’ ability to sue financial institutions via class-action lawsuits. Vice President Mike Pence cast the deciding vote to revoke the rule, which had barely been on the books for a month

What this means, in short, is that anyone interested in suing their bank is now less likely to do so—and less likely to win. Read more…

More about Business, Equifax, Business, and Politics


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Asia set for a mixed session ahead of Reserve Bank of India policy decision

Many analysts expect the Indian central bank to keep its policy on hold.
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Palestinian Gunman Kills Three At West Bank Settlement | NBC News

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Norges Bank Unlikely To Hike Rates In Near Future: Capital Economics

Norway’s interest rate increases seem very far with inflation likely to remain below the central bank’s target in the medium term and a cooling housing market environment, Jack Allen, an economist at Capital Economics, said.
RTT – Economic News

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Chicago’s Last Black-Owned Bank Gets $20 Million Cash Infusion

In an effort to spark economic development activity within the black community, the city of Chicago has deposited $ 20 million into ISF Bank—the oldest and last black-owned Chicago-based bank.

 

The bank, formerly named Illinois Service Federal Savings and Loan Association, plans to use the money for multiple purposes, says Papa Kwesi Nduom, the bank’s chairman.

 


(L-R: ISF Bank Directors: Donald Davison, James Buckner, Papa Kwesi Nduom; Cliff Rome, owner of Peaches Restaurant. Image: Courtesy of Papa Kwesi Nduom)

 

 

Located on the city’s South Side, ISF Bank was founded in Chicago in 1934 to serve communities historically underserved by traditional financial institutions. ISF Bank is No. 11 on the BE 100s Banks list.

 

(ISF Bank. Image: Facebook/ISF Bank)

 

Boosting the Bank’s Capacity to Serve Customers

 

Nduom says the money could be used to provide loans to black entrepreneurs wanting to open or expand businesses. Another use would be to lend to commercial developers to build houses, condos, or apartments—as well as to black homebuyers—in neighborhoods it serves.

 

He says the deposit provides “a much-needed boost to our financial foundation, ensuring that we can strengthen the economic base of our communities and help people fulfill their dreams.”

 

“This will help us become a more significant player in the economic revitalization in the Chicago black community,” Nduom says. “This will do some good and wonderful things for the bank.”

 

The investment comes at a dicey time for the city. Observers are hopeful it will help erase some violent activity, create jobs, and lessen economic disparity some say exists in the city.

 

City Treasurer Kurt Summers told Black Enterprise via email that the deposited money would indeed allow ISF Bank to make more loans and invest more directly back into the communities where many of their customers reside.

 

(Kurt Summers announces the $ 20 M deposit. Image: Facebook/Kurt Summers)

 

He added, “It is our hope that with this deposit and the confidence it conveys to other organizations and individuals recognizing the important role that community banks serve here in Chicago and elsewhere, and entertain opening accounts of their own.”

 

 

Making an Investment into Community Banking

 

According to Summers, the city maintains roughly $ 300 million to $ 700 million in larger non-black owned banks during the course of a fiscal year. Yet, Summers says the deposit into ISF Bank highlights the commitment the City Treasurer’s office is making into community banking but more importantly to the overall community on the Southside of Chicago.

 

“We heard it first-hand right after the press announcement where local small business owners and community members who were present at the event highlighted that they will open an account with ISF Bank to support them,” Summers says. “The community heard the call to action in regards to supporting ISF Bank and they are willing to do their part as we were willing to do ours and invest in them.”

 

(ISF Bank conducts a networking event for small businesses in Chicago. Image: Facebook/ISF Bank)

 

Nduom says the city has deposited the money and opened an account, adding it has “great expectations” the bank will disperse the money for good purposes. He says the city has expressed it may deposit more with the bank once it sees the funds are being used appropriately.

 

He emphasized the bank has a responsibility to the city and its regulators to ensure that this money is used prudently and in safe and sound manner.

 

 

Deposit Could Help Generate New Business Activity

 

The deposit might help the bank, now with assets of around $ 105 million, attract new business. Nduom says the investment has already improved the bank’s credibility, making it a more viable option for individuals, businesses, and organizations to consider for loans, deposits, and other relationships.

 

“It is making some people look at us with more favorable eyes,” he says.

 

Larger banks are historically not as vigorous as black banks to lend to blacks to start or expand businesses, buy homes or churches for new construction, or renovation projects.

 

Other black institutions, including Seaway Trust and Bank, Highland Community Bank and Covenant Bank, are among black-owned banks that have closed in Chicago the past four years, reports the Illinois Department of Financial and Professional Regulation Division of Banking.

 

Nduom says the deposit is a big deal for the bank and the black community. To his knowledge, he says, it marks the first time that a high-ranking city official has come to the community and said the problems on the city’s South Side are economic in nature.

“The city is making an economic statement with this deposit,” he says. “It’s historic and in the right direction for the community.”

 

Small Business – Black Enterprise

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In A Hair Rut? Try These Tips For A Hair-spiration That Won’t Break The Bank (Or Require A Haircut)

When you scroll through your Instagram feed do you feel like your pics from today look the same as last year, and the year before that? If so, you my dear are in a hair rut. The blessing and curse of a signature look is that after a while you get tired of seeing yourself in the exact same hairstyle all of the time (believe me I know). If you’re in the same boat, here are four tips to not only help you shake your hair blues, but also keep you from doing something you’ll regret:

1.Don’t get the ‘I’m Sick Of My Hair‘ haircut. You’re not as sick of it as you think, and you’re not as sick of it as you will be the day after this haircut. Sleep on it, and if a couple days pass and you really feel like you are ready to make a change, go for it.

Mixed race woman getting hair cut

Source: JGI/Jamie Grill / Getty

2.Throw on a cute hat. Sometimes just not having to look at it for a day or two makes all the difference. My go-to faves are a military style baseball cap or a turban.

Instagram Photo

A cute hat is a simple way to refresh your look with no major hair changes.

3.Get a new wig. This is for my wig wearing ladies. I’ve fallen out of love with every wig I own and it is time for me to replenish my styles. Just like you have to clean out your closet, do the same with your wig stash.

Instagram Photo

This cute burgundy bob is a perfect addition to your wig rotation.

4. Treat yourself. Whether it’s a day at the spa or even with the hot salon in town that you’ve been dying to try. Having someone else pamper your tresses may make you realize that what you have isn’t so bad after all.

I refuse to have a hair-tastrophe, so I’ll be taking all of these tips to heart as I head into the Fall. What do you ladies do when you’re feeling blah and want to switch it up?

 


Life & Style – Black America Web

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Fed economist: ‘No evidence that QE works’ as central bank starts unwinding program

The Fed is reversing the most ambitious monetary stimulus program in history amid questions over how much it delivered.

Economy

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If You Live in California You’ll Soon be Able to Sue Your Bank

The bill, passed by the Democratic-controlled legislature, now requires the approval of Governor Jerry Brown, a Democrat, who is expected to sign it into law shortly.

Under the bill, judges could override contract clauses that require customers to settle disputes through arbitration in cases where a bank commits fraud using customers’ personal information.

Mandatory arbitration clauses, which have become standard practice since a 2011 U.S. Supreme Court decision, make consumers agree not to sue in the future as a condition of purchasing products or services.

Clauses inserted into Wells Fargo


wfc



account-opening agreements have blocked customers from taking the third-largest U.S. bank to court over last year’s disclosures that it opened millions of accounts without customer knowledge. Regulators fined the bank $ 190 million for the alleged deceit, of which $ 5 million was to be paid to customers.

The U.S. Consumer Financial Protection Bureau released a rule this summer ending forced arbitration clauses for banks and credit cards, but the rule is not retroactive and does not apply to Wells Fargo customers in the phantom accounts scandal, even those recently revealed as alleged victims.


Fortune

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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SPECIAL DONATION REQUEST UPDATE:

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How to Enjoy Prom Season Without Breaking the Bank

prom season

You can enjoy prom season without breaking the bank.

Find a quiet space and repeat this to yourself until you believe it. Then, have an annual conversation with the teens under your parental authority—starting their freshman year in high school, ideally—so that they understand this (even if they don’t like it), too.

According to a recent prom expense survey by Visa, an average of $ 919 was spent per prom-going teen in 2015. Fortunately, that’s significantly lower than when that spending peaked at more than $ 1,100 for prom season in 2013. However, depending on other factors, prom spending can be much higher than these averages. According to Visa’s survey, elaborate prom invitations alone—or “prom-posals,” which rival fancy wedding invitations—cost $ 324 on average.

Even scarier, households with lower incomes were more likely to spend more money on their teens’ prom season experience. According to Visa, families with total household income below $ 50,000 a year planned to spend $ 1,109 on the prom. Families making under $ 25,000 planned to spend $ 1,393. However, families with more than $ 50,000 in household income spent an average of just $ 799.

Whatever your financial situation, it is neither necessary nor financially healthy to break the bank for prom season. Here are tips to save money without losing the magic of prom night.

 

The Tux: Don’t Rent It; Buy It

 

Go with the traditional black tux, so you can continue to wear it to formal events in the future, getting more bang for your buck. Buying a tux may not cost more than renting one. It’s possible to buy a nice tux for less than $ 150, especially if you avoid the fancy designer brand names that no one will know or care about on prom night. Also, you don’t have to worry about returning it or getting charged cleaning or other fees if it is soiled or damaged.

If your prom date is worried that your black tux won’t match her dress, match her chosen color with accessories, such as your tie, vest, pocket square, suspenders, or even socks! However, if your goal is to coordinate your outfit to match your date, resist the urge to splurge on accessories that you probably will never wear again, such as a top hat, cummerbund, walking stick, or shoes in a color that matches her dress. With a black tux, a pair of black leather dress shoes, which can be worn long after the prom (and you may already own), works just fine.

 

The Dress: Don’t Buy It; Rent or Borrow It

 

Parents of daughters (I raised three) already know that this is the most sensitive part of prom spending, because they (and other relatives) really get caught up in the excitement of prom season. Because of the emotions associated with this event as a rite of passage, it is easy to overpay for prom gowns. But trust me, she’ll still look like a princess, even if you consider two cost-saving options:

  1. Borrowing a Prom Dress: You can ask to borrow from an older sister, cousin, another relative, or maybe a friend, whose prom dress was worn in a totally different school, in another town. As long as the dress is the right size, your daughter will still look lovely in a borrowed gown, and no one will know, notice, or care.
  2. Buy a Used Prom Dress: Search online, and you’ll be pleasantly surprised at what’s available. Pre-owned dresses are usually in great shape, since most haven’t been worn much. Again, no one will be the wiser.

If You Just Have to Buy the Dress…

The options of borrowing or renting a prom dress might be tough sells, but do your best to remind yourself (and your princess) that it doesn’t make sense to break the bank for a dress she might never wear again after prom night. But, if she (or you) can’t bear the thought of not buying a new dress for the prom, at least follow these tips to save money:

  1. Don’t Get Caught up in Brand or Designer Names: Doing so can easily add hundreds of dollars to the cost of the dress. She’ll look just as amazing in a non-brand name dress, and no one will know the difference or care. Insist that she try on as many dresses as possible, not just window shop or look at pictures. The more dresses she actually tries on, the more likely she’ll see that the more expensive dresses do not necessarily look any better on her than non-brand name dresses.
  2. Don’t Overspend on Shoes to Match the Dress: Depending on the color, it’s likely that she’ll never wear them again.

By the way, unless you’re sure she will wear the dress in the future (again, not likely), be willing to loan it to another family member for their prom night. Or better, consider donating the dress to a nonprofit organization that collects them for girls from families that cannot afford to buy prom dresses, such as Project G.L.A.M.

 

Create a Prom Budget and Stick to It

 

Resist the urge to splurge, even if prom night only comes once in a lifetime. You and your teen should create a budget for prom season expenses, covering everything from the dress and shoes to transportation. Clearly determine who will pay for what—including what your child’s date or their parents will cover—when payments are due, and where the money will come from.

Then, stick to the budget—period.

 

Other Cost-Saving Ideas

 

Take your own pre-prom photos, instead of paying a professional photographer. Your kids will likely value the selfies with friends they’ll take on their own phones that night far more than the traditional prom night portrait shots, anyway. Most phone cameras are of high enough quality to deliver great digital photos, which you can convert to print inexpensively.

Split the cost of a limo with other couples attending the same prom. Of course, hiring a limo greatly reduces the risk of drunk driving accidents—every parent’s prom season nightmare. That’s money well spent.

Also, remember, this is not your prom night. Insist that your teen pick up at least half—if not all—of prom-related expenses. The definition of “must have” will change dramatically when your children, not you, have to find a way to help pay for it. Teens become amazingly cost-conscious when they are required to earn and spend their own money, instead of yours.

Finally, help your child keep things in perspective. It does not make sense to go into debt, (or exhaust savings better used for college, a first apartment, a car, or other expense of new adulthood) just to finance an over-the-top prom season experience.

 


Black Enterprise Executive Editor-At-Large Alfred Edmond Jr. is an award-winning business and financial journalist, media executive, entrepreneurship expert, personal growth/relationship education coach, and co-founder of Grown Zone, a multimedia initiative focused on personal growth and healthy decision-making. This blog is dedicated to his thoughts about money, entrepreneurship, leadership and mentorship. Follow him on Twitter at @AlfredEdmondJr.

 

Money – Black Enterprise

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Fed’s Mester says central bank needs to be ‘pre-emptive’ of rising inflation

Cleveland Fed President Loretta Mester says the Fed should stay on its path of monetary policy tightening.
Economy

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Add a little luxe to your al fresco dining this bank holiday

We spoke to Mykonos based interior designer Themis Z on how to keep al fresco dining cool, carefree and fun.

al fresco

What is the most important thing when creating a space for al fresco dining?
The most important element is to make it feel inviting and relaxed, an atmosphere where your guests just want to sit around all evening enjoying each other’s company amidst a beautiful setting.

Tell me about your al fresco dining space – what do you love about it?
I love that my al fresco dining space can seat a large amount of people. Long dinner tables that bring together an array of people from all walks of life are fantastic. Especially during the summer, people travel more in the summer so it’s a great time for hosting a fun mix of guests!

How does it switch from day to night?
There isn’t a huge difference but subtle and essential decorative touches, like the addition of candles, are very important – the dinner table should always feel fuller than the lunch table. I also tend to change my choice of plates as certain designs and lighter colours are better suited for lunch whereas darker colours are great for the evening.

al fresco

What’s a simple way to make a table look pretty?
The simplest way to make a table look pretty is through beautiful plates. For me, plates are the jewels of the table.

What about music – what’s your perfect outdoor dining playlist?
Believe it or not, I actually love Zara Home’s CDs – they have the best music for home entertaining!

We had the pleasure of going to your dad’s (super cool) house for lunch; has your family had an influence on how you throw a dinner party?
Definitely. What I learnt from him was that the most important thing is for your guests to feel at home and to create an environment where they’re relaxed, happy and care-free. Dinner parties are about having fun.

I can tell you love to entertain after seeing the dining table at your sunset dinner – glasses filled with pretty flowers and candles covering the table, how can we recreate something similar in the UK?
It’s very easy. An abundance of candles is something that can be used as decoration in any part of the world and always has the same beautiful effect. Flowers transform a setting and with endless arrays of blooms, there is something to suit everyone’s style.

What are your top 5 tips for choosing an al fresco dining menu?
1. Make the menu light as you don’t want your guests to become tired while digesting
2. Always have more cold choices than hot dishes

3. Try to stay away from red meat and chose lighter options such as fish and chicken
4. Incorporate lots of vegetable dishes
5. Have just one simple dessert that everyone can just pick up and eat even if they have left the table

What’s a good dish / style of food to serve to stop you getting stuck inside in the kitchen all evening?
Dishes that allow you to be present when hosting a dinner party are so important. A giant green salad in a large scale serving bowl alongside pasta with a tomato and basil sauce, again in a beautiful platter, is a delicious meal, which also looks elegant. It is all about how you serve the food – Rose wine is also a must!

Is there a trick to choosing a guest list and where to put people on the table / how many people to invite?
I think it is often completely down to the host as it is him or her who sets the tone for the evening. There could be times when you feel like seeing a few close friends over an intimate dinner or nights where you want a buzzing party. As long as your initial guest list is curated for the tone of the evening, it shouldn’t matter where they are seated on the table.

The post Add a little luxe to your al fresco dining this bank holiday appeared first on Marie Claire.

Marie Claire

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Aareal Bank Q2 Profit Declines; Affirms FY Outlook – Quick Facts

Real estate lender Aareal Bank Group (AAALF.PK) reported that its second-quarter consolidated net income allocated to ordinary shareholders declined to 62 million euros from last year’s 73 million euros. Earnings per share decreased to 1.05 euros from 1.23 euros in the prior-year quarter.
RTT – Earnings

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Wells Fargo names first female chair of any major US bank

Wells Fargo named Betsy Duke, a former Federal Reserve board governor, its next chairman — making her the first woman chair of a major US bank, and ousting her predecessor after just 14 months. Duke, who will take over on Jan. 1, replaces Stephen Sanger, who came on as non-executive chairman in October, the bank…
Business | New York Post

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FBI arrest suspect for allegedly trying to detonate a cargo van outside an Oklahoma bank

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

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Analysis: Hate Groups Bank on Charlottesville Media Coverage as Recruitment Tool

The turnout of white nationalists that sparked violence in Charlottesville, Va., this weekend reflects an alarming level of cooperation among disparate hate groups to gain mainstream media attention. That’s the view of an expert at the Southern Poverty Law Center, the Montgomery, Ala.-based civil rights org that has tracked the activities of white supremacist groups… Read more »

Variety

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Bank of England decides to keep using animal products for banknotes

The Bank of England (BOE) has decided to keep using polymer, an ingredient containing beef, for its banknotes despite a backdrop of animal rights activists angered by the move.
Wealth

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Bank CEO reportedly tells customers not to expect automatic refunds if they fall victim to fraud

Victims of bank fraud should not expect automatic refunds and are sometimes at fault for not taking a “duty of care”, the CEO of RBS has reportedly said.
Wealth

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45 Great Moments in Black Business – No. 38: Indecorp’s Buys a $100 Million White-Owned Bank

Over 45 days, Black Enterprise shares 45 milestone events among the nation’s largest black-owned businesses that have had widespread impact on black economic development and American industry across four decades. This is in tribute to the 45th anniversary of Black Enterprise’s iconic BE 100s yearly list of the largest black-owned companies.

Today we reveal No. 38 in the web series “Great Moments in Black Business.” 

1988: Independence Bank of Chicago makes history with its acquisition of Drexel National, the first time ever an African American institution bought a healthy white-owned financial institution.

The advertisement revealed pictures of dead presidents—Lincoln, Jackson, Grant—with a catchy tagline: “We’d be very happy to see a few new faces at our banks.” The ad would also communicate the historic milestone as part of its customer service message: “We formed the largest black-owned bank holding company in America to serve the needs of communities like yours.”

(Image: File)

 

Roughly two years before that ad’s appearance in BLACK ENTERPRISE and other black periodicals, the late Alvin J. Boutte—the man lauded as “an entrepreneurial wizard in Chicago’s banking community”—performed a bit of deal-making magic. In 1988, the president and CEO of Indecorp, the holding company of the nation’s fifth largest black bank, Independence Bank of Chicago, completed the landmark acquisition of majority-owned Drexel National Bank, also located in the Windy City.

First Time Ever: Black Financial Institution Buys White-Owned Bank

 

The transaction, which brought Drexel under the Indecorp’s umbrella, marked the first time that a black-controlled financial institution purchased a solid white-owned banking establishment. In fact, at that time, the acquisition represented one of the largest deals in minority banking history.

(Image: Black Enterprise Magazine)

 

Analysts had estimated that Indecorp paid roughly $ 8 million—about 1.5 times book value —for Drexel. It was a bargain: Boutte gained $ 109 million in additional assets, $ 3 million in lending capacity, two new branches, $ 50 million in passbook savings accounts and Drexel’s 20,000 customers. One of the nation’s most prominent black financial institutions, Independence had assets of $ 118 million in 1998. Due to the groundbreaking acquisition, BE recognized Independence as the 1989 Bank of the Year.

By 1990, Indecorp had two institutions, Independence (No. 5) and Drexel (No. 6), on the 37-member BE Banks list. Collectively, Indecorp’s total assets were roughly $ 227 million. The 1990 bank list leader: rival Seaway National Bank of Chicago with assets of $ 164 million was now dwarfed by the size of its chief competitor. “We have acquired a sleeping giant with enormous earnings potential,” Boutte told BE at the time of the deal. “Our combined lending limit doubles with this acquisition. We can now take larger positions in deals throughout the city.”

Spirit of An Entrepreneur

 

The astute, focused Boutte was the right man to operate the institution. The spirit of an entrepreneur coursed through the Lake Charles, Louisiana, native and Xavier University-educated pharmacist who founded Independent Drug Stores and built it into the nation’s largest black-owned pharmacy chain. After selling his business, he was tapped to become president of Independence in 1970.

(Image: Black Enterprise Magazine)

 

Despite the bank being robbed on his first day, Boutte was extremely excited about its growth prospects. Launched in 1964 by investors like George Johnson, president of Johnson Products Co., the maker of haircare products such as Afro Sheen and Ultra Sheen, the bank had pretty much languished. Boutte put in place a multipronged plan that included developing an aggressive marketing campaign to attract corporate and government customers; assembling an experienced staff to execute on his initiatives; and expanding its loan portfolio.

Boutte Takes Assets to $ 100 Million

 

Over the course of a decade, he persuaded major corporations such as Shell Oil and American Hospital Supply to become clients as well as structured a $ 30 million revolving loan agreement with Sears, Roebuck & Co. with Independence leading a consortium of 60 minority banks to handle the retailer’s credit and lending needs. Moreover, he took over the deposits of two failed institutions, increasing the bank’s assets by more than 35% in 1979. Within 10 years, from 1970 to 1980, he increased assets from a mere $ 11 million to a whopping $ 100 million. During this period, he also created the holding company Indecorp as a vehicle to acquire other financial institutions.

After the Drexel deal in 1988, Boutte sought to take advantage of a deregulated banking environment by crafting an audacious strategy focused on acquisitions and alliances. With increased lending power, Indecorp broke new ground for black banks in areas like foreign currency exchange, trust services, and municipal bond underwriting. In fact, the holding company also became the first black institution to engage in a joint venture with a majority investment bank, Kane McKenna and Associates, the Chicago affiliate of Robert W. Baird, a diversified financial services firm.

A Setback

 

But Indecorp CEO Boutte and its Chairman George E. Johnson would fail in their bid to make history a second time by creating the first black interstate banking operation. By 1993, Boutte and George Johnson had decided to put Indecorp on the auction block. Its suitor: Omnibanc Corp., a Detroit-based black financial holding company with just $ 23 million in assets. Omnibanc’s Chairman William Johnson gained capital from former Detroit Pistons superstar Isiah Thomas and other investors to meet Indecorp’s $ 35 million price tag. After Boutte and William Johnson shook on the deal in September 1993, all parties had to wait for Federal Reserve approval.

The deal, however, unraveled due to timing and interest rates.

Over the course of a year, the Fed raised interest rates to keep inflation at bay. However, the hike depressed the value of Indecorp’s bond portfolio, which represented two-thirds of its assets. Reviewing the books again, Johnson decided to shave the offering price to $ 26 million. Boutte wouldn’t budge. The Fed’s approval expired December 1994 and so did the deal.

Indecorp was eventually sold. In 1995, much to the disappointment of thousands of black Chicagoans, majority-owned ShoreBank Corp., the holding company for South Shore Bank in Chicago, acquired Indecorp, which, in turn, lost its black ownership status.

As for Omnibanc: It was seized by the Federal Deposit Insurance Corp. and then the failed institutions were sold in 1988. The acquirer: ShoreBank Corp.

 

Access the entire digital version of the 2017 May/June issue of BLACK ENTERPRISE featuring our 2017 BE 100s report and subscribe to Black Enterprise Magazine here. 

And view the full list of the 2017 BE 100s here.

Small Business – Black Enterprise

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Free Discount Cards Donated to Food Bank of Northeast Georgia by Charles Myrick of ACRX

ACRX Recognition Gallery: American Consultants Rx
http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.

The American Consultants Rx discount prescription cards are to be given free to anyone in need of help curbing the high cost of prescription drugs.

Due to the rising costs, unstable economics, and the mounting cost of prescriptions, American Consultants Rx Inc. (ACRX) a.k.a (ACIRX) an Atlanta based company was born in 2004. The ACRX discount prescription card program was created and over 25 million discount prescription cards were donated to over 18k organizations across the country to be distributed to those in need of prescription assistance free of charge since 2004.

The ACRX cards will offer discounts of name brand drugs of up to 40% off and up to 60% off of generic drugs. They also possess no eligibility requirements, no forms to fill out, or expiration date as well .One card will take care of a whole family. Also note that the ACRX cards will come to your organization already pre-activated .The cards are good at over 50k stores from Walgreen, Wal mart, Eckerd”s, Kmart, Kroger, Publix, and many more. Any one can use these cards but ACRX is focusing on those who are uninsured, underinsured, or on Medicare. The ACRX cards are now in Spanish as well.

American Consultants Rx made arrangements online for the ACRX card to be available at http://www.acrxcards.com where it can also be downloaded. This arrangement has been made to allow organizations an avenue to continue assisting their clients in the community until they receive their orders of the ACRX cards. ACRX made it possible for cards to be requested from online for individuals and organizations free of charge. Request for the ACRX cards can also be made by mailing a request to : ACRX, P.O.Box 161336,Atlanta,GA 30321, faxing a written request to 404-305-9539,or calling the office at 404-767-1072. Please include name (if organization please include organization and contact name),mailing address,designate Spanish or English,amount of cards requested,and telephone number.

American Consultants Rx is working diligently to assist as many people and organizations as possible. It should be noted that while many other organizations and companies place a cost on their money saving cards, American Consultants Rx does not believe a cost should be applied, just to assist our fellow Americans. American Consultants Rx states that it will continue to strive to assist those in need.

Minn Kota MK330D Battery Charger (3 bank); NOT FOR SALE IN CALIFORNIA

Minn Kota MK330D Battery Charger (3 bank); NOT FOR SALE IN CALIFORNIA


Minn Kota MK330D Battery Charger (3 bank); NOT FOR SALE IN CALIFORNIA The digital on-board chargers are engineered with a micro-processor-based design to protect your battery, charge faster and help you stay on the water longer. Monitors temperature and state-of-charge. Enhanced status codes display charge stage, maintenance mode status, any error notifications and full charge. Automatic shut-off feature extends battery life by shutting down when charging is complete. Mounts conveniently in the battery compartment.3 charging banks10 amps per bank30 amps total outputRecovery Time: 4-6 hoursSize: 16- 1/4″ length x 7- 1/2″ width x 4″ heightWeight: 20 lbs.Digitally-controlled microprocessor design protects your batteries so you can stay on the water longerUp to 2X faster charging in high temperaturesEnhanced status codes provide comprehensive feedback on charge stage, maintenance mode status, error notification and full chargeConvenient on-board mounting eliminates the hassle of traditional portable chargersFully automatic multi-stage charging (bulk, absorption and maintenance) so you get a full charge every timeAutomatic temperature compensation delivers fast charging recovery, even in extreme temperatures, while protecting your batteries from overchargingWaterproof*, shock- and vibration-resistant aluminum constructionShort circuit, reverse polarity and ignition protectionSaltwater tested and fully resistant to corrosionFor use with 12, 24 or 36 volt systems with 12V / 6-cell batteries that are flooded/wet cell, maintenance free or starved electrolyte (AGM) only 40-130 amp hour ratingFCC compliantWarranty: 3 yearUL listed to marine standard 1236Includes: one pre-wired on-board marine battery charger with three 6′ fused output cables and one 6′ AC power cord, installation instructions and owners manual
List Price: $ 319.99
Price: $ 319.99

Short-Sale Pre-Foreclosure Investing: How to Buy No-Equity Properties Directly from the Bank — at Huge Discounts

Short-Sale Pre-Foreclosure Investing: How to Buy No-Equity Properties Directly from the Bank — at Huge Discounts


Learn all about short-sales, the hottest topic in today’s real estate investing market, with Short-Sale Pre-Foreclosure Investing: How to Buy No-Equity Properties Directly from the Bank — at Huge Discounts. Understand how to buy properties at big discounts, creating windfall profits. Using this guide, you can access information about a topic that 90% of real estate agents and investors know nothing about. Discover how to make huge profits from the banks’ misfortune, how to help homeowners in foreclosure while helping yourself, and how to stay on the cutting edge of the down market.
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Best Bank Receive Tribute & Medication Help by Charles Myrick of ACRX

ACRX Recognition Gallery: American Consultants Rx
http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.

The American Consultants Rx discount prescription cards are to be given free to anyone in need of help curbing the high cost of prescription drugs.

Due to the rising costs, unstable economics, and the mounting cost of prescriptions, American Consultants Rx Inc. (ACRX) a.k.a (ACIRX) an Atlanta based company was born in 2004. The ACRX discount prescription card program was created and over 25 million discount prescription cards were donated to over 18k organizations across the country to be distributed to those in need of prescription assistance free of charge since 2004.

The ACRX cards will offer discounts of name brand drugs of up to 40% off and up to 60% off of generic drugs. They also possess no eligibility requirements, no forms to fill out, or expiration date as well .One card will take care of a whole family. Also note that the ACRX cards will come to your organization already pre-activated .The cards are good at over 50k stores from Walgreen, Wal mart, Eckerd”s, Kmart, Kroger, Publix, and many more. Any one can use these cards but ACRX is focusing on those who are uninsured, underinsured, or on Medicare. The ACRX cards are now in Spanish as well.

American Consultants Rx made arrangements online for the ACRX card to be available at http://www.acrxcards.com where it can also be downloaded. This arrangement has been made to allow organizations an avenue to continue assisting their clients in the community until they receive their orders of the ACRX cards. ACRX made it possible for cards to be requested from online for individuals and organizations free of charge. Request for the ACRX cards can also be made by mailing a request to : ACRX, P.O.Box 161336,Atlanta,GA 30321, faxing a written request to 404-305-9539,or calling the office at 404-767-1072. Please include name (if organization please include organization and contact name),mailing address,designate Spanish or English,amount of cards requested,and telephone number.

American Consultants Rx is working diligently to assist as many people and organizations as possible. It should be noted that while many other organizations and companies place a cost on their money saving cards, American Consultants Rx does not believe a cost should be applied, just to assist our fellow Americans. American Consultants Rx states that it will continue to strive to assist those in need.

Minn Kota Mk330d Battery Charger (3 Bank); Not For Sale In California

Minn Kota Mk330d Battery Charger (3 Bank); Not For Sale In California


Minn Kota Mk330d Battery Charger (3 Bank); Not For Sale California . The digital on-board chargers are engineered with a micro-processor-based design to protect your battery, charge faster and help you stay on the water longer. Monitors temperature and state-of-charge. Enhanced status codes display charge stage, maintenance mode status, any error notifications and full charge. Automatic shut-off feature extends battery life by shutting down when charging is complete. Mounts conveniently in the battery compartment.3 charging banks10 amps per bank30 amps total outputRecovery Time: 4-6 hoursSize: 16- ” length x 7- ” width x 4″ heightWeight: 20 lbs.Digitally-controlled microprocessor design protects your batteries so you can stay on the water longerUp to 2X faster charging in high temperaturesEnhanced status codes provide comprehensive feedback on charge stage, maintenance mode status, error notification and full chargeConvenient on-board mounting eliminates the hassle of traditional portable chargersFully automatic multi-stage charging (bulk, absorption and maintenance) so you get a full charge every timeAutomatic temperature compensation delivers fast charging recovery, even in extreme temperatures, while protecting your batteries from overchargingWaterproof*, shock- and vibration-resistant aluminum constructionShort circuit, reverse polarity and ignition protectionSaltwater tested and fully resistant to corrosionFor use with 12, 24 or 36 volt systems with 12V / 6-cell batteries that are flooded/wet cell, maintenance free or starved electrolyte (AGM) only (40-130 amp hour rating)FCC compliantWarranty: 3 yearUL listed to marine standard 1236Includes: one pre-wired on-board marine battery charger with three 6′ fused output cables and one 6′ AC power cord, installation instructions and owners manual
List Price: $ 274.99
Price: $ 274.99

Сотовый IMMI IP-502 Генерация Один медведь мультфильм кукла полной производственной мощности Samsung Аккумулятор Power Bank Внешняя батарея

Сотовый IMMI IP-502 Генерация Один медведь мультфильм кукла полной производственной мощности Samsung Аккумулятор Power Bank Внешняя батарея


Тип базы:Пригодно для носки; Приложения:Да; Материал:Другие материалы; Цвет:Оранжевый,Фиолетовый,Розовый,Коричневый,Синий,Зеленый; Размеры (см):10.59.58.5; Вес нетто (кг):0.15; Напряжение (V):5V
List Price: 1950.11
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Сотовый IMMI IP-508 Генерация Один мультфильм кукла Samsung Аккумулятор Power Bank Внешняя батарея для Iphone Samsung

Сотовый IMMI IP-508 Генерация Один мультфильм кукла Samsung Аккумулятор Power Bank Внешняя батарея для Iphone Samsung


Тип базы:Пригодно для носки; Приложения:Да; Материал:Другие материалы; Цвет:Розовый,Синий; Размеры (см):169.07.5CM; Вес нетто (кг):0.15; Напряжение (V):5V
List Price: 1950.11
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Social Enterprise: Public-Social-Private Partnership, Grameen Bank, Repanet, Social Entrepreneurship, Sustainopreneurship, Microco

Social Enterprise: Public-Social-Private Partnership, Grameen Bank, Repanet, Social Entrepreneurship, Sustainopreneurship, Microco


Purchase includes free access to book updates online and a free trial membership in the publisher’s book club where you can select from more than a million books without charge. Chapters: Public/social/private Partnership, Grameen Bank, Sustainopreneurship, Social Entrepreneurship, Cap Markets, Inspire Project, Social Return on Investment, Association "Peace. Beauty. Culture.", Social Business, Newman’s Own, Skoll Foundation, Unltd, Gamelan Council, Host Universal, Principles of Ecopreneurship, Sirum, Social Venture, Fairfield Materials Management Ltd, Better World Books, Give Something Back Business Products, Casa Mesita, Better the World, Devex, Radion International, Drishtee, Skoll Centre for Social Entrepreneurship, Project Enterprise, Charityvillage.com, Greyston Bakery, Social Enterprise East Midlands, Educare India, Scedu Tender Readiness Toolkit, Comat Technologies, Embrace, Venturesome Fund, Benetech, Sheltered Workshop, Egg-Energy, Openlearn.in, School for Social Entrepreneurs, Oxford Cycle Workshop, Enercoop, List of Social Enterprises. Excerpt: Public/social/private partnerships are methods of co-operation between private and government bodies. The name public social private partnership (PSPP) is a development of Public Private Partnership (PPP). PPP is one expression of a strong trend towards (re)privatisation, which in some European countries has arisen as a result of more difficult economic conditions in recent years and the associated structural crisis in the public sector (see Eschenbach, Mller, Gabriel: 1993). The growth in public-private partnerships as a way of fulfilling public tasks in partnership between the state administration and private enterprises must be seen in this context. In political discussions, lack of public funds is often put forward as a limit on state activities. Instead of financing infrastructure projects alone, the government increasingly looks to cooperations with private investo… More: http://booksllc.net/?id=11035414
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SharkStores Deal A Day – Save 22% on the Digital Treasures ChargeIt! Universal Power Bank. Was 39.95. Now $29.00. Use code CHARGE2 at checkout.

Save 22% on the Digital Treasures ChargeIt! Universal Power Bank. Was 39.95. Now $ 29.00. Use code CHARGE2 at checkout.
Code: charge2
Begin: 2014-03-11 00:00:00
Expire: 2014-03-17 00:00:00
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Used Book Market under Waterloo Bridge, South Bank, London, England, United Kingdom, Europe

Used Book Market under Waterloo Bridge, South Bank, London, England, United Kingdom, Europe


Used Book Market under Waterloo Bridge, South Bank, London, England, United Kingdom, Europe Photographic Print by Stuart Black. Product size approximately 18 x 24 inches. Available at Art.com. Embrace your Space – your source for high quality fine art posters and prints.
List Price: 29.99
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SharkStores Deal A Day – 2200mAh Power Bank External Backup Battery Charger Case Pack for iPhone5-5s $14.99 Free Shipping With Coupon!

MSRP: $ 39.99 Colors Available: Black, White, Pink, Hot Pink, Green, Purple, Blue, Red, Orange iOS 4 Compatible 2200mAh Large Capacity, A Grade Lithium Polymer Battery Fashion Design Atmosphere, Ultra-Thin Light Enclosure Protection Function Our apple product style, fast charge and discharge, more powerful, more quickly Cell Type: Li-Polymer Battery Input: DC 5V 1000mAh Output: DC 5V 1000mAh Capacity: 2200mAh Product Dimension: 136.0 x 66.0 x 15.3mm Product Weight: 79.10g Gift Box Dimension:146 x 85 x 36mm Gift Box Weight: 169.0g Talk Time: 3G Up to 9 hours| 2G Up to 16 hours Internet Duration : Up to 8 hours on 3G | Up to 11 hours on Wi-Fi Audio Play: Up to 48 hours Video Play: Up to 12 hours Color: Black, White, Hot Pink (Claret Red), Pink, Blue, Purple, Green (depending upon availability) The battery case is charged with your iphone 5 cable (Not Included)
Code: IP55S22MAH
Begin: 2013-11-15 00:00:00
Expire: 2013-11-21 00:00:00
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