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The ripple effects of a market collapse would be severe, and taxpayers would potentially be on the hook for losses posted by failed mortgage companies. In addition to loans backed by the FHA or VA, the government is exposed through Ginnie Mae, the federal agency that provides payment guarantees when mortgages are pooled and sold as securities to investors. The mortgage companies are supposed to bear the losses if these securitized loans go bad. But if those companies go under, the government “will probably bear the majority of the increased credit and operational losses,” the paper concludes. Ginnie Mae is especially vulnerable because almost 60 percent of the dollar volume of the mortgages it guarantees comes from nonbank lenders.
Pennsylvania is one of 41 states where some counties and cities use election equipment that is more than a decade old, according to the New York University School of Law’s Brennan Center for Justice. Older machines are more likely to malfunction or break down on Election Day, causing long lines and potentially dissuading some people from casting their ballots. Some older machines also are susceptible to wireless malware attacks, even if they are not directly connected to the internet, or have removable memory devices a hacker might manipulate.
Ferida Wolff writes: It’s hard to ignore the changes that are taking place across the world. The atmosphere is heating up, causing glaciers to melt, oceans to rise, more floods, and fires in drier lands. And yet, we can still have snow at the beginning of Spring. It reminds me not to take anything for granted. Trees are so strong and impressive yet they, too, are part of the progression of life. Even as we plan for the future we can live moment to moment along the way. Which is good to remember because another rain/snow storm is expected tomorrow.
Bills Introduced: A resolution recognizing the heritage, culture, and contributions of American Indian, Alaska Native, and Native Hawaiian women in the United States; A bill to reauthorize programs authorized under the Debbie Smith Act of 2004; A bill to direct the Secretary of Homeland Security to develop educational materials relating to human trafficking in schools; A bill to provide rental assistance to low-income tenants of certain multi-family rural housing projects, and for other purposes.
“Consumers are fed up with illegal robocalls that disturb their privacy and often pitch scams,” said Acting FTC Chairman Ohlhausen. “We’re going to expand our fight against this scourge through initiatives like the upcoming Technology Expo and Policy Forum, which amplify our impact through close coordination with the FCC and other partners.” “Scam robocalls and deceptive spoofing are real threats to American consumers, and they are the number one consumer complaint at the FCC,” said FCC Chairman Pai. “We’re committed to confronting this problem using every tool we have. I’m pleased to announce these efforts in our continued work with the FTC to protect consumers.”
Websites you may not have discovered: Historic American newspapers; Discussing concepts including the wisdom of crowds and the law of large numbers; the four songs that accompanied that song in the Billboard's top five; history of computer dating is much older than many people realize; 'Black Broadway,' a city within a city;" discussions of concepts of the wisdom of crowds and the law of large numbers; enriching the experience of visiting a museum or gallery; keeping current with updates from all over the web can present a challenge and Conscientious Photography Magazine; the Academic Family Tree and 37 "lessons, activities, exhibitions, videos and tools that can be used to teach students about women's history in America"
Sonya Zalubowski writes: I go into the bedroom, to check on Joey. He’s curled in a ball in his little bed. He only half-raises his head. Weaker than just a day ago. His nose is dry, hot. Sharp in my chest when I try to draw a deep breath. It hits me. The foolishness that I could even try to outrace both our maladies. That they won’t catch up with us before we reach the county line. That Joey would die in even more pain. That I will experience even more myself of the burning grind of my bone on bone hip.
She likes to say that she slept through the last 13 years of her life, and indeed, much of it is a blur: Abusive relationship. His-and-her arrests for domestic violence. Meth habit. A period of quasi-homelessness. A 37-day stint in jail for petty theft. She’s newly sober. She’s off cash assistance. She’s got a job temping and a place to call her own. She wants to work in construction. But the construction field is a hard one to crack, particularly if you’re female. Women comprise less than 3 percent of the trade workforce, roughly the same portion as 30 years ago.
Over 500,000 women served our country in the military during the Vietnam era, Korean War and World War II. The wartime female veterans of the pre-AVF era have a median age of 69 and the majority (73.9 percent) served in the Vietnam era. About 30 percent have completed a bachelor's degree or higher.
Some examples: (1)We play pi shuffleboard. I draw 3 big circles on the floor, inside of each other and the kids use rolls of masking tape as pucks. They toss and/or slide circles of tape [identifying marks on side] to see who gets closest to center. Players each have 3 circles of tape that they slide to remove others from center. The winner then challenges the next 3 players until we declare Pi shuffleboard winner.(2)For our Pi Day, my school asked all the faculty members if they would be interested in being “pi’d” and their name was put on a plastic jug. Students would place money in their jug throughout the week and the teacher/faculty member with the most money got pi’d at an all school assembly. We raised a total of about $400! We donated all the proceeds to multiple charities.
In 1997, Marvin noted that much has improved for women in science since she began her long and fruitful career. Although most people in Harvard's Geology Department were very helpful, she remembers that women's access to Widener Library was restricted. Also, she was often told to leave the geology building by a watchman who insisted women were not allowed to be there alone at night. Still, Marvin said she was mainly unaffected by the discrimination — with the obvious exception of the Harvard Geology Club. Even the professor who would not let her switch majors at Tufts eventually came around. "Years later, he invited me to teach at Tufts, and often told others how proud he was of me," said Marvin.
Casanova was considered by his own contemporaries to be a witty conversationalist, autobiographer, gambler, spy, and one of the greatest travelers of all time. More than 80 works of art, including paintings, sculptures, works on paper, period furnishings, delicate porcelains, and lavish period costumes, re-create this luxurious and sparkling world of masked balls, palaces, theaters, and operas.
Rose Madeline Mula writes: After living alone for over thirty years, I recently acquired two new roommates. The adjustment is proving to be very interesting — not only regarding my relationships with them, but also theirs with each other. Their names are Alexa and Google Home, and they reside in opposite ends of my condo — Alexa lives in my den, and Google in my bedroom. I myself am an insomniac, and they are awake and available around the clock to tell me the time, the temperature, the weather, and the news of the world, or any celebrity gossip. (I was shocked when Google identified the latest person to be accused of sexual harassment!)
GAO reported that from 2004 through 2013, over 25 million participants in workplace plans separated from an employer and left at least one retirement account behind, despite efforts of sponsors and regulators to help participants manage their accounts. GAO found that although an employer may incur costs searching for separated participants, there are no standard practices for the frequency or method of conducting searches.
Jo Freeman writes: A thousand people rallied outside the Supreme Court the morning of January 26 while the Justices heard oral argument on Janus v. AFSCME Council 31 inside. The decision in this case will have profound effects on public service unions. Currently 22 states require employees who do not choose to join a union representing their workforce to still pay agency fees to that union. These are supposed to cover the costs of representation since unions must represent all workers in a bargaining unit and not just their members. Agency fees are less than full union dues, but they aren't negligible.
Since Sandy Hook, states such as Colorado, Delaware, New York, Oregon and Washington have expanded background checks for gun purchases. During that same period, Alabama, Louisiana, Nevada, Tennessee, Utah and several other states enacted laws that prevent people convicted of domestic violence from possessing a gun. Nearly 30 states now have similar laws, and Oregon passed a similar bill last month. Unlike NRA-backed legislation that is passed mostly in red states, these measures are being passed in both blue and red states, said Allison Anderman, the managing attorney at the Giffords center.
I've seen these birds soaring overhead more frequently this year. Sometimes they come fairly close to rooftops and float over backyards. They usually come in groups, tilting their wings to catch the updrafts. Why are they here? These birds used to be seen mostly in the southern states but since our climate has been warming, they now have moved to the north and have even been spotted in Canada. The world of nature is shifting as we can see by the weather forecasts this season. I wonder what the birds will think of that. Perhaps we all need to be flexible as our world changes.
"Strong job gains in recent years have led to widespread reductions in unemployment across the income spectrum and for all major demographic groups. For example, the unemployment rate for adults without a high school education has fallen from about 15 percent in 2009 to 5-1/2 percent in January of this year, while the jobless rate for those with a college degree has moved down from 5 percent to 2 percent over the same period. In addition, unemployment rates for African Americans and Hispanics are now at or below rates seen before the recession, although they are still significantly above the rate for whites. Wages have continued to grow moderately, with a modest acceleration in some measures, although the extent of the pickup likely has been damped in part by the weak pace of productivity growth in recent years.
The Internal Revenue Service warned taxpayers of a quickly growing scam involving erroneous tax refunds being deposited into their bank accounts. The IRS also offered a step-by-step explanation for how to return the funds and avoid being scammed. Following up on a Security Summit alert issued Feb. 2, the IRS issued this additional warning about the new scheme after discovering more tax practitioners’ computer files have been breached. In addition, the number of potential taxpayer victims jumped from a few hundred to several thousand in just days.
Girl with a Pearl Earring is a seventeenth-century painting that sparks the imagination. Her enigmatic gaze, Vermeer’s use of color, and the outstanding play of light in this work captivate everyone who sees it. Researchers are also fascinated by the painting, and have a number of unanswered questions about how Vermeer painted this iconic work of art and which materials he used. The project The Girl in the Spotlight aims to come closer to resolving these issues using the latest technologies to investigate the canvas, pigments, oil and other materials that Vermeer used to create his renowned painting.
Some legislatures have sexual harassment policies that allow nonemployees to file claims to the legislature of sexual harassment against legislative staff and lawmakers, according to a Stateline review of policies from nearly all states. But only a handful of states specifically mention interns, and even when they do, that doesn’t necessarily give them legal standing for filing a civil lawsuit. Since October, about two dozen male state lawmakers have resigned, said they will resign, or been forced from their leadership roles after being accused of harassment or assault.
Julia Sneden wrote: For many of us, the chronological downslope isn't nearly as trouble-free as that hike back down the mountain. Bruises and blisters gained along the trail are nothing compared to the indignities and ailments that come with age (and sometimes the poverty that accompanies it). Nonetheless, life's downslope shouldn't be undersold. It can be a time of great rewards and possibilities. It takes a bit of determination and imagination to navigate it with style and humor, but it can be a pretty good ride.
Restoring some semblance of the sensation of touch has been a driving force behind Stanford chemical engineer Zhenan Bao's decades-long quest to create stretchable, electronically-sensitive synthetic materials. Such a breakthrough could one day serve as skin-like coverings for prosthetics. But in the near term, this same technology could become the foundation for the evolution of new genre of flexible electronics that are in stark contrast with rigid smartphones that many of us carry, gingerly, in our back pockets.
The nine largest states (California, Texas, Florida, New York, Pennsylvania, Illinois, Ohio, Georgia, and North Carolina), which account for more than half of the total US population, contributed only 3 out of 10 Olympians. Colorado’s workforce has one of the largest number of coaches, umpires and professional athletes on a per capita basis — about 2,000 per million population.
To hide the Russian origin of their activities, the defendants allegedly purchased space on computer servers located within the United States in order to set up a virtual private network. The defendants allegedly used that infrastructure to establish hundreds of accounts on social media networks such as Facebook, Instagram, and Twitter, making it appear that the accounts were controlled by persons within the United States. They used stolen or fictitious American identities, fraudulent bank accounts, and false identification documents. The defendants posed as politically and socially active Americans, advocating for and against particular political candidates. They established social media pages and groups to communicate with unwitting Americans. They also purchased political advertisements on social media.
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