Tag: 2020年上海鸡店

Hackett , Future Planning Associates merge

first_imgHackett & Company and Future Planning Associates, Inc. MergeWilliston, VT – on November 1, 2004, South Burlington-based Hackett &Company’s retirement plan and administrative group will merge with FuturePlanning Associates, Inc. of Williston, bringing together two of Vermont’sleading retirement consulting and administration firms with over 60 yearsof combined service.The merged company, with a combined staff of 20 “qualified plan”specialists, will operate as Future Planning Associates, Inc. under theleadership of Suzanne Stewart as chairman and Luther F. Hackett as ViceChairman. The other directors of the merged company include Jan Emmons,Marilyn Jae Lehto and Loretta Wood of Future Planning Associates and PattyBarry, Erin Helmken and Daryl Straw from Hackett & Company.”We believe that by combining our two companies we will be able to providethe full array of retirement and benefit planning services andadministration that are required in this increasingly complex field,” saidHackett. “As retirement planning takes on even greater complexity, aswell as importance to individuals and employers, our goal is to providesound advice and practical solutions that meet their needs,” he added.”Outstanding client service is our primary objective,” said Stewart in anoutline of the goals of the merged company. “In the same way that wecreate plans for our clients that are both long-term and future-oriented,this merger will ensure that Future Planning Associates will continue toprovide strength and continuity for the long term. By bringing together abroad array of individual expertise in talented staff and state-of-the-artdata systems, we will provide superior service to all of our clients,”added Stewart.With the November 1st merger, the company will operate in expandedquarters at the current site of Future Planning Associates, Inc. at 600Blair Park (P.O. Box 905) in Williston.Future Planning Associates, Inc. is a regional consulting firmspecializing in the design, implementation and administration oftax-qualified Retirement Plans, Section 125/Cafeteria Plans, HealthReimbursement Arrangements and COBRA requirements.- 30 –last_img read more

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71 lawyers file to run for legislative office

first_img September 1, 2002 Regular News 71 lawyers file to run for legislative office Seventy-one lawyers have filed to run for state House and Senate seats in this fall’s elections.Seventeen lawyers have filed for 13 seats in the Senate, while 54 have filed for 43 races in the House.That means, for the 2002-04 legislature, there will be no more than the current 13 lawyers in the Senate, while the lower chamber could see an increase from its current 31 attorney members.Those figures are from a preliminary Bar analysis of candidates who qualified for legislative seats in July. (Because this is a reapportionment year, all 40 Senate seats, instead of 20, are on the ballot, as well as all 120 House seats.)The records show that five lawyers are running unopposed for Senate seats, while six are unopposed in House races. Several more are challenged only by minor party candidates, largely due to the Libertarian party qualifying dozens of candidates in House races, including two Bar members.Primary ballots will be cast on September 10, and the general election will be on November 5. Under a one-time law passed by the legislature, there will be no runoffs in state races; the leading vote-getter in the primary will advance to the general election, even if he or she failed to get 50 percent plus one of the votes.(To find out what legislative district you live in, check your new voter registration card. Or check online maps: http://enight.dos.state.fl.us/maps/Senate/2002/index.shtml for the Senate and http://enight.dos.state.fl.us/maps/House/2002/index.shtml for the House. Each site has links for detailed maps of each district.) Senate Filings Elected in the Senate without opposition were incumbent Sens. Rod Smith, D-Gainesville, Steven A. Geller, D-Ft. Lauderdale, Walter “Skip” Campbell, D-Tamarac, Burt Saunders, R-Naples, and Alex Villalobos, R-Miami.In other races, attorney and former state Rep. George Albright faces Jon Marc Creighton and Rep. Evelyn Lynn, R-Ormond Beach, in the Republican primary for District 7. The winner faces Democrat Jim Ward in November.In District 19, Rep. Gary Siplin, D-Orlando, and Alton Lightsey, both lawyers, are contesting Jerry Girley in the Democratic primary. The winner will face attorney and Republican Anthony “Tony” Suarez, and Beulah Farquharson, who listed no party affiliation, on the November ballot.In District 21, attorney and Democrat D.J. Czala will face the winner of the Republican primary between Rep. Mike Bennett, R-Sarasota, and Rep. Mark G. Flanagan, R-Bradenton.In District 23, attorney and Sen. Lisa Carlton, R-Osprey, faces Democrat Lawrence P. Milford in November.In perhaps the most widely publicized legislative race in Florida, Attorney General Butterworth faces Rep. Jeffrey Atwater, R-North Palm Beach in November for the District 25 seat.In District 27, attorney Dave Aronberg faces Scott Edwards in the Democratic primary. The winner faces the survivor of a five-way Republican primary.In District 30, attorney and Sen. Ron Klein, D-Delray Beach, faces Republican Steve Hatch in November.In District 36, attorney and Rep. Carlos Lacasa, R-Miami, faces Mike Gorrie, and incumbent Sen. Alex Diaz de la Portilla, R-Miami, in the Republican primary. The winner will square off against two write-in candidates on the November ballot.In District 39 Rep. Cindy Lerner, D-Miami, former Rep. John Cosgrove, and former Rep. Ron Saunders, all attorneys, face former Rep. Larcenia J. Bullard, and Donald Jones in the Democratic primary, with the winner of that contest taking on the winner of a two-way Republican primary. House Races Attorneys elected without opposition in the House were Speaker-Designate Johnnie B. Byrd, Jr., R-Plant City, Reps. Jerry Paul, R-Port Charlotte, Joe Negron, R-Stuart, Chris Smith, D-Ft. Lauderdale, Timothy M. “Tim” Ryan, D-Dania Beach, and Marco Rubio, R-Miami.In contested races, in District 2 attorney and Democrat Jim Reeves faces Republican Dave Murzin and Libertarian Barbara J. Bujak in November.In District 3, attorney and Rep. Holly Benson, R-Pensacola, faces Libertarian Tom Petrone in November.In District 9, attorney and Rep. Loranne Ausley, D-Tallahassee, faces Libertarian Mitch Covington in November.In District 16, attorney and Rep. Mark Mahon, R-Jacksonville, faces Libertarian Scott Palmer Carter.In District 21, attorney and Rep. Joe H. Pickens faces Democrat Jerald Cumbus and Libertarian Thomas F. Luongo.In District 26, attorney Pat Patterson faces Bob Dahlen in the Republican primary. The winner faces the winner of a two-way Democratic primary and Libertarian Jill Bradley in November.In District 33, attorneys Dean Mosley and Mickael K. Rathel are in a five-way Republican primary, with the winner facing Libertarian James T. Coakley in November.In District 36, attorney Ali Kirk faces Sheri McInvale in the Democratic primary, with the winner taking on attorney and Republican Patrick Howell and Libertarian John F. Kennedy in the general election.In District 37, attorney and Rep. David Simmons, R-Altamonte Springs, faces Libertarian Timothy Moriarty.In District 39, attorney Tiffany Moore is in a four-way Democratic primary, with the winner taking on the victor of a two-way Republican primary and a write-in candidate in November.In District 47, attorneys Kevin Christopher Ambler and Bill Mitchell face one other Republican in the primary, while attorney Michael A. Steinberg has two other opponents in the Democratic primary. The winners will be on the November ballot with Libertarian Rob Schwartzberg.In District 48, lawyer and Rep. Gus Michael Bilirakis, R-Palm Harbor, faces Libertarian A.J. Brent.In District 49, attorney John “Q” Quinones faces Joe Mantilla in the Republican primary, with the winner taking on the victor of a two-way Democratic primary.In District 54, lawyer and Rep. John Carassas, R-Largo, faces Green Party candidate Kurt Gratzol.In District 57, attorney and Democrat Scott Farrell will be on the November general election ballot with the winner of a three-way Republican primary and Libertarian Tyson Richmond.In District 59, attorney and Rep. Arthenia L. Joyner, D-Tampa, faces Libertarian Rex Curry.In District 63, attorney and Republican Dennis A. Jones faces Libertarian Jason A. Downs.In District 64, attorney John Stargel faces Jerre Wilson in the Republican primary, with the winner taking on Libertarian Michael A. Krech.In District 67, attorney Steele T. Williams is in a three-way Republican primary, with the winner taking on a write-in candidate and a Libertarian in November.In District 68, attorneys Bill Galvano and Dave Miner are in a four-way Republican primary, with the winner taking on a Democrat and Libertarian in the general election.In District 73, Rep. Bruce Kyle, R-Ft. Myers, and Mike McQuagge, both attorneys, meet in the Republican primary, with the winner taking on a Democrat and Libertarian in November.In District 74, attorney and Rep. Jeff Kottkamp, R-Cape Coral, is in a three-way Republican primary, with the winner taking on Democrat Linda I. Parnell and attorney and Libertarian Thomas Clark.In District 75, Rep. Carole Green, R-Ft. Myers, is being challenged by attorney and Libertarian Aaron J. O’Brien.In District 76, attorney and Rep. J. Dudley Goodlette, R-Naples, faces Libertarian Leslie Edward Sutter.In District 86, attorney Barry Silver faces Rep. Anne M. Gannon in the Democratic primary, with the winner facing a write-in candidate in the general election.In District 87, Peter Feaman and Adam Hasner, both attorneys, are in a four-way Republican primary, with the winner taking on the victor in a two-way Democratic primary and a Libertarian.In District 89, attorney Elliot Shaw faces Mann Killian in the Republican primary for the right to take on the winner of a two-way Democratic primary and a Libertarian in November.In District 92, attorney and Rep. John P. “Jack” Seiler D-Ft. Lauderdale, faces Libertarian Nathan “Nick” Lipschultz.In District 96, attorney and Rep. Stacy J. Ritter, D-Coral Springs, faces Libertarian Roger K. Eckert.In District 101, attorney and Democrat Gary Shirk faces Republican Mike Davis and Libertarian Michael Shane O’Brien.In District 104, attorney Yolly Roberson is in a five-way Democratic primary, with the winner facing a Republican and two write-in candidates in November.In District 105, Rep. Kenneth “Ken” Gottlieb, D-Miramar, and Martin Zilber, both attorneys, meet in the Democratic primary with the winner facing Libertarian Britt Craig in November.In District 108, attorney and Rep. Phillip J. Brutus, D-North Miami, faces Kevin A. Burns in the Democratic primary, with the winner taking on attorney and Republican Val Screen in November.In District 114, attorney and Rep. Gas-ton Cantens, R-Sweetwater, faces write-in candidate Acevedo Ramsis in November.In District 115, attorney and Republican Juan-Carlos “J.C.” Planas faces Rep. Renier Diaz de la Portilla, R-Miami, and Manuel “Manny” Alfonso in the primary, with the winner taking on Libertarian Thomas William Glaser in November.In District 116, attorneys Marcelo Llorente and Jose Luis Rodriguez are in a five-way Republican primary, while attorney Patrick Vilar is in a two-way Democratic primary.center_img 71 lawyers file to run for legislative officelast_img read more

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HMDA, hmmm? Reporting data points as “not applicable”

first_img ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Like many of you, I have been busy, busy, busy attending NAFCU’s Virtual Regulatory Compliance School. The virtual experience was new for me (and I bet most of you), but the conference was a great success. I learned so many new things, but studying to be an NCCO is no easy task. However, after many long evenings of studying, I get to update my signature line to: Janice Ringler, NCCO!Congratulations and welcome to all the new NCCOs!On July 28, 2020, CFPB released its fourth update to its HMDA FAQs, updating question #7 in the Ethnicity, Race, and Sex section, and questions #1 and #2 in the Multiple Data Points section. The FAQ’s attempt to clarify when combined loan-to-value (CLTV), debt-to-income ratio (DTI), income, and property value needs to be reported on the LAR.  The FAQs state that all of these fields must be reported “if they were a factor relied on in making a credit decision—even if the data was not the dispositive factor.” The FAQs set a “relied on” standard to determine when the credit union must report the data for income, credit score, DTI, CLTV, and property value. However, Regulation C allows credit unions to report these data points, along with credit score and credit score model, as “not applicable.” A frequent question we get from credit unions is:If these data points must be reported if they are “relied on in making a credit decision”, in what instances would these fields be reported as “not applicable?” I have explored some possible scenarios below. continue reading »last_img read more

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