U.S. bank regulator fines Citigroup $25 million for violating fair lending rules

The U.S. Office of the Comptroller of the Currency (OCC) said on Tuesday it has fined Citigroup $ 25 million for violating the Fair Housing Act after it denied some borrowers preferential rates on the basis of their race, color or other factors.


Reuters: Business News

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VIDEO: Welcome to His Home! Harry Hadden-Paton Tours Henry Higgins’ House at MY FAIR LADY

Harry Hadden-Paton has grown accustomed to his home on Wimpole Street and he’s giving us a tour of Michael Yeargan’s Tony-nominated scenic designGo inside Henry Higgins’ home in the video below.
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Companies were boxed off to avoid spies at this year’s Toy Fair

Espionage is taking all the fun out of the toy industry. Corporate spying and counterfeiting have become such problems among makers of dolls, cars and unicorn poop that this year’s Toy Fair on Manhattan’s West Side felt more like a fortress than a playground. The trade show, which ended Tuesday, was held in lots of…
Business | New York Post

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Review: 2019 London Art Fair

artrepublic looks at the standout work at this year’s Fair.

Kicking off the 2019 art scene, the 31st edition of the London Art Fair took over the Business Design centre in Islington in mid January. Filled from top to bottom with an impressive labyrinthine display of artwork, it was easy to get lost in a good way. Ranging from Sculptures to Portraiture, contemporary art to early twentieth-century pieces, there was something for everyone.

A seasoned buyer would feel very at home amongst the Henry Moore and Dali sculptures. Alongside the exuberant display of fine art from some of the most critically-acclaimed artists of the twentieth century such as Sir Anthony Caro and Ben Nicholson, the London Art Fair offers the opportunity for prospective collectors to get advice from curators as to how and where to start in collecting art.

Above all, it offers an exploration into bite-sized versions of some of the most prestigious and celebrated galleries in the UK and worldwide. At first an overwhelming spectacle, typical gallery-goers will not be used to the sheer volume of art all under one roof. Navigating the maze of white walls can seem daunting but incredibly rewarding after stumbling upon excellence, which is frequent and often.

artrepublic were thrilled to see the prominent print focus in this year’s London Art Fair. The contemporary print artists stood to serve as refreshing palette-cleansers amongst the swathes of fine art and sculpture. A breath of fresh air, a playful nudge or a satirical wink, these prints offer it all.

David Shrigley was a headliner for the London Art Fair this year. Combining stylistic childlike innocence with an often mundane or unassuming subject, to produce a piece that is fun and engaging. He celebrates the nuances of everyday life the with the intimacy of the imperfections in his work. There’s an openness to his work that emphasises his accessibility, making his works very desirable to own. His piece ‘My Rampage Is Over’ was exhibited featuring a huge blue elephant. A naive delight, evoking memories of childhood bedtime stories; of letting your own imagination run wild.

Another print heavyweight who exhibited boldly this year at the London Art Fair was the Connor Brothers. Their style is instantly recognisable, with their iconic use of vintage photography with modern type. The Connor Brothers have definitely cemented their position within the print space of the London art scene, notoriously popular and effortlessly cool. Most recently they have issued a series of book covers using a selection of their prints. Elevating the smutty form of the pulp novel, their works of art subvert the previously derogatory gender roles. As opposed to the women on these novels only serving to titillate or be murdered they are remastered as untouchable, graceful, almost statuesque. A contemporary twist on a classic.

Kicking off the 2019 art scene, the 31st edition of the London Art Fair took over the Business Design centre in Islington in mid January. Filled from top to bottom with an impressive labyrinthine display of artwork, it was easy to get lost in a good way. Ranging from Sculptures to Portraiture, contemporary art to early twentieth-century pieces, there was something for everyone.   A seasoned buyer would feel very at home amongst the Henry Moore and Dali sculptures. Alongside the exuberant display of fine art from some of the most critically-acclaimed artists of the twentieth century such as Sir Anthony Caro and Ben Nicholson, the London Art Fair offers the opportunity for prospective collectors to get advice from curators as to how and where to start in collecting art.   Above all, it offers an exploration into bite-sized versions of some of the most prestigious and celebrated galleries in the UK and worldwide. At first an overwhelming spectacle, typical gallery-goers will not be used to the sheer volume of art all under one roof. Navigating the maze of white walls can seem daunting but incredibly rewarding after stumbling upon excellence, which is frequent and often.   artrepublic were thrilled to see the prominent print focus in this year’s London Art Fair. The contemporary print artists stood to serve as refreshing palette-cleansers amongst the swathes of fine art and sculpture. A breath of fresh air, a playful nudge or a satirical wink, these prints offer it all.   David Shrigley was a headliner for the London Art Fair this year. Combining stylistic childlike innocence with an often mundane or unassuming subject, to produce a piece that is fun and engaging. He celebrates the nuances of everyday life the with the intimacy of the imperfections in his work. There’s an openness to his work that emphasises his accessibility, making his works very desirable to own. His piece ‘My Rampage Is Over’ was exhibited featuring a huge blue elephant. A naive delight, evoking memories of childhood bedtime stories; of letting your own imagination run wild.   Another print heavyweight who exhibited boldly this year at the London Art Fair was the Connor Brothers. Their style is instantly recognisable, with their iconic use of vintage photography with modern type. The Connor Brothers have definitely cemented their position within the print space of the London art scene, notoriously popular and effortlessly cool. Most recently they have issued a series of book covers using a selection of their prints. Elevating the smutty form of the pulp novel, their works of art subvert the previously derogatory gender roles. As opposed to the women on these novels only serving to titillate or be murdered they are remastered as untouchable, graceful, almost statuesque. A contemporary twist on a classic.  The almost-serious and almost-sensitive work of Charming Baker was another to look out for this year. Often contradictory, pulling the viewer across the emotional spectrum with his work. Disarmingly playful imagery besets an often melancholic backdrop, or is victim to violent scribbles. The resulting composition is a juxtaposition of innocence and darkness, provoking an eerie sense of nostalgia.  A master at combining texture with form, there is a distinctive layering within Baker’s work that enables him to effortlessly discuss themes such as joy, love, death and despair. The style that he has established is one of timeless eccentricity, beautifully thought provoking.   If you’d like to view any of the sensational prints by Shrigley, The Connor Brothers or Baker please visit the artrepublic gallery in Brighton.

The almost-serious and almost-sensitive work of Charming Baker was another to look out for this year. Often contradictory, pulling the viewer across the emotional spectrum with his work. Disarmingly playful imagery besets an often melancholic backdrop, or is victim to violent scribbles. The resulting composition is a juxtaposition of innocence and darkness, provoking an eerie sense of nostalgia.  A master at combining texture with form, there is a distinctive layering within Baker’s work that enables him to effortlessly discuss themes such as joy, love, death and despair. The style that he has established is one of timeless eccentricity, beautifully thought provoking.

 

If you’d like to view any of the sensational prints by David Shrigley, The Connor Brothers or Charming Baker please visit the artrepublic gallery in Brighton, call +44 (0)1273 724829 or email brighton@artrepublic.com.

For more news stories and events visit our Brighton Gallery page

 

The post Review: 2019 London Art Fair appeared first on artrepublic blog.

artrepublic blog

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Military Members, Vets and Spouses Can Attend This Virtual Job Fair Feb. 7

Military service members, veterans and spouses can attend this job fair without ever leaving home.

Hire Heroes USA is holding a free virtual career fair on Feb. 7 between 10 a.m. and 3 p.m. EST — aka between 1000 and 1500 hours.

According to the site’s FAQ page, participants only need a computer and internet access, as employers will communicate via online chats. Updated versions of Google Chrome or Firefox are recommended for viewing and hearing employer presentations.

Attendees can register for the event on the site and upload their resumes, then search the 25 participating employers by location and positions available.

When they find a company of interest, job seekers can apply for a position or sign up for chat sessions to ask questions and learn more about the company.

Employers and attendees can also request private chats to discuss specific opportunities. Employers may offer video one-on-one chats, but these sessions are not required if job seekers don’t have access to video conferencing.

The site encourages job seekers to prepare questions to ask in the chat room and develop an elevator pitch for private interactions with potential employers.

If this virtual fair isn’t for you, check out our list of other employment resources for veterans and read additional tips from veterans about finding a civilian career.

Tiffany Wendeln Connors is a staff writer at The Penny Hoarder.

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.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.

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Miley Cyrus’ wildest moments, from nearly nude Vanity Fair portrait to twerking with Robin Thicke

Miley Cyrus has been known to draw eyes with her risqué outfit choices and her bold dance moves. 
FOX News

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Seattle airport holds fair for federal workers

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‘It’s a Wonderful Life’ — when you play fair

It’s the perfect Christmas movie and a towering masterpiece of American cinema. I’m speaking, of course, of “It’s a Wonderful Life,” the much-loved 1946 Frank Capra feature that also anticipated something we badly need today: morals to moderate capitalism. All this, even though it very much reflects the race and sex stereotypes of its day….
Opinion | New York Post

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EXCLUSIVE: Natalia Vodianova and LuisaViaRoma Throw Fabulous Fund Fair in London

Natalia Vodianova’s Naked Heart Foundation has teamed with online luxury fashion web site LuisaViaRoma for her latest installment of the annual Fund Fair.
Slated to take place in London at Roundhouse on Feb. 18, the event takes inspiration from filmmaker Federico Fellini’s “La Dolce Vita,” for its fifth year in the U.K. — and sixth overall.
The Fellini theme will be represented through an over-the-top set design at the English theater — complete with a Trevi Fountain. Guests, who in the past have included Hailey Baldwin and Taylor Swift, will try their hand at classic fair games like Hook-a-duck and bowling. Participating brands Louis Vuitton, Celine, Givenchy, Dior and more will have prizes on hand for the winners. There will additionally be live entertainment from Warner Music Group at the event.
Vodianova launched her foundation Naked Heart in 2004; since then, she has raised more than 40 million euros across the United States, U.K., Russia and France. The organization aims to support children with physical, mental and sensory disabilities through the initiation and support of various projects. Over the years, the Naked Heart Foundation has financed 18 projects across seven Russian cities, including a Family Support Centre in Nizhny Novgorod and summer and

Follow WWD on Twitter or become a fan on Facebook.

Read More…
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50 Year Anniversary of the Fair Housing Act and There’s Still a Racial Homeowners Gap

This year marks the 50th year anniversary of the Fair Housing Act. On April 11, 1968, a week after the passing of famed civil rights leader Rev. Dr. Martin Luther King Jr., President Lyndon Johnson approved Title VIII of the Civil Rights Act of 1968 — also known as the Fair Housing Act,.

The Fair Housing Act outlawed discrimination concerning the sale, rental, and financing to any person because of race, color, sex, religion, or national origin. This groundbreaking legislation eliminated legal barriers that prevented blacks from participating in homeownership.

Home ownership has been a vehicle for many to increase their financial security, develop communities, and transfer a piece of wealth to future generations. In an article on Nareb.com — National Association of Real Estate Brokers (NAREB) — Ron Cooper, shared his insights on the power of homeownership.

“Homeownership is the number one way for African Americans to build wealth,” he said. “There are so many other things tied to it.”

Unfortunately, many black people still lag behind white people in the homeownership goal. Although more members of the black community have been given access to homeownership because of the Fair Housing Act, reports show that 41% of blacks own homes compared to 71.3% of whites, according to 2016 U.S. Census data. The rate of black homeownership has declined since 2004 when approximately 49% of blacks owned homes.

Reasons for the Housing Gap  

What’s causing the housing gap and decline in homeownership rates for black people today? Loan fees, credit scores, limited savings, down payment requirements, and results of the 2008 financial crisis are some of the barriers preventing the growth of black homeownership today. According to the 2018 State of Housing in Black America (SHIBA) report commissioned by NAREB, there is a hidden tax on black home buyers, making it more costly for blacks to participate in homeownership. NAREB explores how Government Sponsored Enterprise (GSE) housing lending companies such as Fanni Mae and Freddie Mac charge low to moderate income households excessive fees due to a fear of loan default.

The Impact of Segregation Despite Fair Housing Act 

The SHIBA report notes that in the 10 cities with the largest black populations, segregation remains extremely high. Neighborhood segregation has a negative impact on housing appreciation for blacks populations. Homes in African American neighborhoods have lower property values, suffering from discriminatory impacts of redlining outlawed decades ago. A study published by online real estate database company Zillow, shows the impact color coding African American neighborhoods red — as most “hazardous” for lending — in the 1930s impacts housing values today. “The median home value in neighborhoods labeled “best” has risen 230.8% to $ 640,238 over the past 22 years, whereas the median value in the areas rated “hazardous” has climbed only 203.1%, to $ 276,199.

Solutions to Build Homeownership Rates  

Although blacks have celebrated many victories over the last 50 years in pursuit of equality and fair practices in housing, there is still more work to be done. Increasing the level of loan applications, loan originations, and homeownership sustainability will be a step in the right direction, according to NAREB.

If you’re thinking about buying a house, it’s important to consult with a realtor and financial professional to educate you on the process. Don’t walk the journey alone. In order to move beyond years of discrimination and limited access, you have to be equipped with the right tools to succeed. Education and preparation is key to moving the needle on housing in black America and will ensure that more black people gain access to favorable rates, terms, and properties.

The post 50 Year Anniversary of the Fair Housing Act and There’s Still a Racial Homeowners Gap appeared first on Black Enterprise.

Money | Black Enterprise

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50 Year Anniversary of the Fair Housing Act and There’s Still a Racial Homeowners Gap

This year marks the 50th year anniversary of the Fair Housing Act. On April 11, 1968, a week after the passing of famed civil rights leader Rev. Dr. Martin Luther King Jr., President Lyndon Johnson approved Title VIII of the Civil Rights Act of 1968 — also known as the Fair Housing Act,.

The Fair Housing Act outlawed discrimination concerning the sale, rental, and financing to any person because of race, color, sex, religion, or national origin. This groundbreaking legislation eliminated legal barriers that prevented blacks from participating in homeownership.

Home ownership has been a vehicle for many to increase their financial security, develop communities, and transfer a piece of wealth to future generations. In an article on Nareb.com — National Association of Real Estate Brokers (NAREB) — Ron Cooper, shared his insights on the power of homeownership.

“Homeownership is the number one way for African Americans to build wealth,” he said. “There are so many other things tied to it.”

Unfortunately, many black people still lag behind white people in the homeownership goal. Although more members of the black community have been given access to homeownership because of the Fair Housing Act, reports show that 41% of blacks own homes compared to 71.3% of whites, according to 2016 U.S. Census data. The rate of black homeownership has declined since 2004 when approximately 49% of blacks owned homes.

Reasons for the Housing Gap  

What’s causing the housing gap and decline in homeownership rates for black people today? Loan fees, credit scores, limited savings, down payment requirements, and results of the 2008 financial crisis are some of the barriers preventing the growth of black homeownership today. According to the 2018 State of Housing in Black America (SHIBA) report commissioned by NAREB, there is a hidden tax on black home buyers, making it more costly for blacks to participate in homeownership. NAREB explores how Government Sponsored Enterprise (GSE) housing lending companies such as Fanni Mae and Freddie Mac charge low to moderate income households excessive fees due to a fear of loan default.

The Impact of Segregation Despite Fair Housing Act 

The SHIBA report notes that in the 10 cities with the largest black populations, segregation remains extremely high. Neighborhood segregation has a negative impact on housing appreciation for blacks populations. Homes in African American neighborhoods have lower property values, suffering from discriminatory impacts of redlining outlawed decades ago. A study published by online real estate database company Zillow, shows the impact color coding African American neighborhoods red — as most “hazardous” for lending — in the 1930s impacts housing values today. “The median home value in neighborhoods labeled “best” has risen 230.8% to $ 640,238 over the past 22 years, whereas the median value in the areas rated “hazardous” has climbed only 203.1%, to $ 276,199.

Solutions to Build Homeownership Rates  

Although blacks have celebrated many victories over the last 50 years in pursuit of equality and fair practices in housing, there is still more work to be done. Increasing the level of loan applications, loan originations, and homeownership sustainability will be a step in the right direction, according to NAREB.

If you’re thinking about buying a house, it’s important to consult with a realtor and financial professional to educate you on the process. Don’t walk the journey alone. In order to move beyond years of discrimination and limited access, you have to be equipped with the right tools to succeed. Education and preparation is key to moving the needle on housing in black America and will ensure that more black people gain access to favorable rates, terms, and properties.

The post 50 Year Anniversary of the Fair Housing Act and There’s Still a Racial Homeowners Gap appeared first on Black Enterprise.

Money | Black Enterprise

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What is the Fair Housing Act?

The Fair Housing Act is a set of rules that governs
discrimination in real estate, and if you’ve rented a property as a landlord or
a tenant, chances are you’ve dealt with it in one way or another.

Although this act impacts a lot of what landlords do when
they rent to tenants, such as who a landlord can refuse to rent to and on what
basis, most landlords are not familiar with the intricate details of the act when
renting out their property.

In this post, learn the basics of the Fair Housing Act,
including what it prevents, how it impacts landlords, and why the rules and
regulations in the act are needed.

Fair Housing Act Basics

The Fair Housing Act is a federal law used to prevent discrimination with respect to housing-related activities, specifically in regard to a person’s:

  • Sex
  • Religion
  • Disability
  • Race
  • Skin color
  • National origin (i.e. where they were born)
  • Familial status (i.e. whether they have or will
    be having children)

Why Do We Need Fair Housing Laws?

The purpose of the Fair Housing Act is to prevent discrimination caused by landlords treating certain groups of people differently than others. In the rental realm, discrimination can occur in numerous ways, for instance:

  • Creating discriminatory rental advertisements
  • Refusing to rent to certain people
  • Denying amenities or other benefits to
    particular people
  • Lying about rental vacancies

The act’s intention is to create equal opportunity to housing, ensure everyone is treated fairly, and prevent the development of segregated housing communities.

How Does the Fair Housing Act Impact Landlords?

For landlords, complying with the Fair Housing Act can occur in a variety of ways. It can be a big action, like ensuring everyone’s Rental Application is considered equally regardless of things like their religion, or a smaller action, like making sure landlords don’t ask discriminatory prescreening questions to tenants such as “do you plan on having children?”

As a landlord, complying with the act is a matter of
ensuring you provide all your potential tenants the same opportunity to rent
your property, regardless of aspects like race or gender, and to ensure you
only refuse individuals for legitimate reasons like poor credit or a lack of
steady income.

For landlords who are unsure about how to comply with the Fair Housing Act when renting out their property, the U.S. Department of Housing and Urban Development offers information about fair housing laws, including what is considered a discriminatory practice.

Staying Fair when Renting

The Fair Housing Act is
in place to help prevent landlords from discriminating against potential
tenants by offering equal opportunity housing for everyone.

It’s important that
landlords are aware of the act and follow the rules and regulations within it
before offering their property up for rent.

The post What is the Fair Housing Act? appeared first on LawDepot Blog.

LawDepot Blog

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Enter the Google Science Fair for a Chance at a $50K Scholarship

I electrocuted a pickle once.

It tested positive as an electricity conductor. This was done in the name of that trifold cardboard nightmare called a science fair project that most kids are forced to complete in school.  

Some students conjure up brilliant ideas, like creating a flashlight powered by the heat of the human hand or using banana peels to make plastic.

Those ideas are among past winners at the annual Google Science Fair 2018, a worldwide online science competition.

The competition invites teenagers to test their bright ideas, creatively solve problems and collect data for the chance to win a $ 50,000 scholarship. Other prizes include funding to carry out students’ science projects, a new Chromebook and international travel.

Details of the Google Science Fair 2018

Entrants use science, technology, engineering and math to explore ideas and answer questions.

Eligibility

The Google Science Fair 2018 competition is open to teenagers between the ages of 13 and 18. Applicants must be age 13 by Dec. 12 and have turned 18 by Sept. 13, 2018.

Entries will also be accepted from individuals in the 28 member countries of the European Union (must be age 16 by Dec. 12, 2018) as well as Israel and South Korea (must be age 14 by Dec. 12, 2018).

Each teen must have permission from a parent or legal guardian to enter the competition.

Entry and Submissions

Register as an individual or as a team of up to three people.

To enter, sign up for a Google account if you don’t have one already. Then, register yourself on the Google Science Fair page.

From there you will be taken to your project dashboard, where you will create, edit and submit your entry. You’ll use the dashboard to access permission forms, category selection and complete all submission requirements.

Entries must have a main topic and two subtopics from this list:

  • Flora and fauna.
  • Food science.
  • Earth and environmental sciences.
  • Inventions and innovation.
  • Electricity and electronics.
  • Robotics.
  • Biology.
  • Chemistry.
  • Physics.
  • Behavioral and social sciences.
  • Energy and space.
  • Astrophysics.
  • Computer science and math.

Google offers a resource library for topic inspiration, how-to guides, tips and access to experts and mentors to assist students along the way.

Submissions (much like those old school science fair projects) must include all of the following to be considered:

  • A summary description of your entry.
  • A two-minute video on YouTube or a slideshow using Google Slides with 20 slides or fewer.
  • An “About Me” section.
  • A proposal question and hypothesis.
  • Description of research.
  • Experiments and testing.
  • Results of tests.
  • Outcome and conclusion.
  • Bibliography, references and any acknowledgements.

See the official rules for restrictions, terms and the other fine print.

All submissions will be considered for the various awards available (listed below), so there’s no need to enter them separately.

Scope out the past winning projects to get a feel of what the judges favor.

The deadline to submit a project is 11:59 p.m. PST on Dec. 12, 2018.

State award winners will be announced in March 2019; regional finalists will be announced in April 2019; global finalists will be announced in May 2019.

The Prizes

These 179 prizes are better than any first-place ribbons if you ask me. If a team wins any of the monetary prizes, the amount will be divided evenly among the members.

The Google Grand Prize is a $ 50,000 scholarship.

Then there are four $ 15,000 scholarships dedicated to helping students achieve the goal of their project:

  1. The $ 15,000 LEGO Education award includes a trip with a parent or guardian to LEGO headquarters in Denmark. This award recognizes a hands-on approach to solving STEM challenges.
  2. The $ 15,000 National Geographic Explorer award includes a 15-day expedition to the Galápagos Islands and a yearlong mentorship. This award recognizes creative and experimental approaches to challenges facing the Earth.
  3. The $ 15,000 Scientific American Innovator award includes a Scientific American cruise with a parent or guardian and a yearlong mentorship. The award recognizes a top project that uses an experimental approach to answer questions about the natural world.
  4. The $ 15,000 Virgin Galactic Pioneer award includes a tour of Virgin Galactic facilities and a yearlong mentorship. The award recognizes hands-on approach to engineering challenges.

Next there are 20 global finalists, 53 state winners and 100 regional winners.

The 20 global finalists will receive goody bags from sponsors, a 12-month subscription to Scientific American and National Geographic and a paid trip to Mountain View, California, to participate in the finalist event in July 2019.

The 53 state winners get an Android tablet and a Google goody bag. The 100 regional winners get a Chromebook and a Google goody bag.

When making your science fair project, just remember no idea is too big or too small when it comes to innovation and creative solutions. Look at how aglets — the piece at the end of a shoelace — made our everyday lives easier.

If you’re not eligible or if this isn’t your thing, that’s OK. Check out our list of 100 scholarships that will help you pay for college, or you can like The Penny Hoarder Life on Facebook to discover other scholarship opportunities.

Stephanie Bolling is a staff writer at The Penny Hoarder. She also tested what color popcorn ants prefer because we had colored popcorn in the ’90s.

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.

The Penny Hoarder Promise: We provide accurate, reliable information. Here’s why you can trust us and how we make money.


The Penny Hoarder

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