Insurance Commons^™

Mortgage Securitization 550: The Ultimate Insider Game - Observations About What Happened - A Time Line Of Actions And Speculation About Motivation., Symphony Music

Symphony Music

This is the story of Chase1, the venerable old line bank, and how it used its dominant market influence in the decade leading up to 2012 to originate and acquire mortgage loans, how it forced individual homeowners to pay high rates, and how it ultimately began to steal the home equity away from hard-working homeowners and their families. It is also the story about how the largest US banks combined their anti-competitive behavior and took from residents in all States. As illustrated by the chain of events described below for a situation in Connecticut, Chase's attitude and actions never reflect …

Slideshow: Where Is A Default In A Securitization?, Symphony Music

Symphony Music

There is no "default" in a securitized mortgage loan. The loan is paid off ab initio and the existence of the note is fabricated from paid off balances for the convenience of the originators who didn't think through the foreclosure process.

La Transparencia En La Protección De Datos Personales, Bruno L. Costantini García

Bruno L. Costantini García

La Transparencia en la Protección de Datos Personales, ponencia elaborada dentro de los trabajos del VII Congreso Nacional de Organismos Públicos Autónomos (OPAM)

Slideshow: Financial System Failure!, Symphony Music

Symphony Music

The unintended result of Federal Reserve Bank and Commercial Bank policy mixed in with the good intentions of securitized assets ended up: 1) stealing from all consumers, and; 2) economically disrupting every level of society.

Mortgage Securitization 420: Town Hall Complicity In Bank Fraud? The Contributory Role Of Local Land Registration Offices And A Solution., Symphony Music

Symphony Music

The process of residential mortgaged backed securitization has made many Local residents pay much more in relative interest costs than has ever been the case in the past 20 years. This article describes the involvement of the local recorder of deeds in extending the fraud against consumers.

Mortgage Securitization 401: Household, Bank, And Investor Exposure Surrounding Disputes., Symphony Music

Symphony Music

(This material was prepared by a mortgage securitization geek but simplified to make it straightforward for smart people to understand. This material should be exciting for those who want to discover why the financial banking system no longer works. Mortgage securitization is about nuance. To understand what drives the actions of banks, and sometimes why regulators are missing the picture, many finer nuances of mortgage securitization must be understood. This Memorandum is an attempt to identify common structural realities and the implication for business associated with those realities)

Ranking The Elements Of Swot Matrix With The Approach Of Combining Gray Theory And Dematel Technique, Mahdi Saeedpoor, Abolfazl Kazzazi, Masoud Hadjarian Kashani, Amin Vafadar Nikjoo

Amin Vafadarnikjoo

SWOT analysis is one of the most influential tools by which managers can compare the information about the internal and external factors of organization and can use it with respect to the core strategy matrix, and offer a variety of possible strategies. This analysis with all its benefits for the organization does not provide a quantitative basis for identifying the most significant internal and external factors and the relationship between these factors with each other and the business. In other words, this analysis only deals with a few relationships between internal and external factors and ignore effects of other factors …

Aspectos Generales Dela Publicidad En México. "La Publicidad De Productos, Servicios, Y Actividades Reguladas Por La Ley General De Salud", Bruno L. Costantini García

Bruno L. Costantini García

Introducción a las generalidades de la regulación en materia de publicidad de insumos para el consumo humano (salud) en México.

Misurazione Dell’E-Democracy Nelle Amministrazioni Provinciali: Un Caso Esplorativo, Francesca Cabiddu

Francesca Cabiddu

No abstract provided.

Does Strategy Have A Say In Times Of Technological Change?, Francesca Cabiddu, Maria Chiara Di Guardo

Francesca Cabiddu

No abstract provided.

The Bonds That Tie: Will A Performance Bond Require That A Surety Deliver A Certified Green Building?, Darren Prum, Lorilee Medders

Darren A. Prum

In 2006, the city of Washington, D. C. passed landmark legislation that introduced green building requirements for various types of structures into the jurisdiction over a five-year period. A noteworthy aspect of the legislation directed construction projects within the district to purchase green performance bonds up to $3 million to guard against a privately owned project’s failure to meet its green building aspirations. In essence, this law placed the burden of guaranteeing compliance with the government’s policy upon the contractors and sureties of a green building project.

Following the passage of this act, confusion amongst the construction industry and sureties …

Not Every Risk Manager Needs To Become An Erm, Zachary S. Finn

Zachary S. Finn

The author reflects on the responsibilities of risk managers in fulfilling their important role in insurance companies. He asserts that traditional risk managers needs to be part adjuster, part attorney, part underwriter, part risk-finance professional and part loss-control engineer. With such profound task, he contends that risk managers can perform their vital role in the organization without the need of becoming an enterprise risk manager.

What Do You Charge? It Depends., Zachary S. Finn

Zachary S. Finn

Explores pricing variables for risk management service fees. Client's risk management service needs; Level of investment needed to meet the clients' risk management needs; Measurement of the return on investment.

Why Not Rms In In Insurance Agencies?, Zachary S. Finn

Zachary S. Finn

Comments on the significant role played by risk managers in the insurance industry as well as in companies which have limited or no knowledge as to what risk management is.

Spoiled Brands: Protecting Your Company's Goodwill And Assets From Food Contamination Claims, Zachary S. Finn, Timothy Anderson, Donald Lund

Zachary S. Finn

For most people, going to a restaurant ends with a sense of satisfaction and enjoyment, not sickness and the possibility of death. This is also true when purchasing products at a local grocery store. However, recent events have cast doubt on the safety of America’s food supply. The issue facing risk managers is how to reduce these escalating risks and manage any unfortunate outcomes. The cost of food contamination can be devastating to a business financially, and can result in both direct losses related to product recall expenses and indirect losses such as lost reputation and goodwill. By reducing the …

Noción Y Elementos Existenciales Del Título De Crédito, Bruno L. Costantini García

Bruno L. Costantini García

Discernir la noción y elementos de existencia de los títulos de crédito, considerando la doctrina y la denominación expresada en nuestra Ley General de Títulos y Operaciones de Crédito, conceptualizando el término de los documentos que consignan un derecho crediticio propio de su naturaleza y deslindando de manera dogmatica y exegética los elementos que lo forman y le dan su funcionamiento, mediante una visión de las instituciones jurídicas que les dan su existencia y aplicación dentro del devenir de los actos de comercio.

Generalidades De La Propiedad Intelectual En México, Bruno L. Costantini García

Bruno L. Costantini García

Presentación de las Generalidades de la Propiedad Intelectual en México (Propiedad Industrial y Derechos de Autor), legislación que la rige, aplicación y modalidades

La Jurisprudencia En México, Bruno L. Costantini García

Bruno L. Costantini García

Breve presentación de la jurisprudencia en México, su aplicación, objetivos y fines para el Derecho Mexicano. ¿Por qué es util para el derecho? ¿Quién la emite?

Notariado Y Correduria Y Su Registro En México, Bruno L. Costantini García

Bruno L. Costantini García

Introducción al Derecho Notarial y Registral en México, cuyo objeto es conocer los elementos de las figuras del notario y del corredor público, la formalización de sus actos y su registro.

Shirking The Duty To Defend In Florida: Is Assignment The Exception To Argonaut?, Matthew J. Jowanna

Matthew J. Jowanna

A lawsuit is filed by a plaintiff and the defendant is served. The defendant has a drawer full of liability insurance policies and, therefore, the insured defendant sends a copy of the served complaint to any and all insurance carriers that may provide coverage for the claim. The insured defendant then receives a few coverage denials for reasons such as the event at issue did not occur within a certain policy period or that the insured’s private automobile policy does not provide coverage for a commercial general liability claim. In any event, the denials appear to be valid -so the …

Combining Forces: The Joint Defense Agreement In Civil Litigation, Stephen Messer

Stephen Messer

From day one of law school aspiring lawyers are taught that information shared in confidence between a lawyer and his client is confidential. Although all lawyers are well aware of this, surprisingly few know that conversations with a client and someone else's lawyer can also be privileged. This is what happens when a joint defense agreement is created; Joint defense agreements extend the attorney client privilege throughout the entire defense camp in cases where multiple defendants and their counsel have common interests in the litigation. This often overlooked, yet highly effective legal strategy may serve as a valuable tool for …

Of Revolution, Debt, And Social Unrest: The Challenges Of Political Risk, Beat Habegger, Kaspar Zellweger

Beat Habegger

No abstract provided.

Uso Social Del Suelo Ejidal Y Comunal Para El Desarrollo Equilibrado De Las Áreas Urbanas Del Estado De Puebla, Bruno L. Costantini García

Bruno L. Costantini García

De origen, difundir los diversos esquemas permitidos por la Ley para posibilitar la realización de proyectos con fines inmobiliarios, a efecto de que los núcleos agrarios y sus integrantes se beneficien equitativamente de la urbanización de sus tierras, coadyuvando con ello al desarrollo urbano planificado y ordenado de los centros de población del Estado de Puebla; como consecuencia, impulsar el desarrollo habitacional equilibrado de éste. Eliminar el circulo.- “necesidad de tierra – asentamiento irregular – solución de conflicto”, mediante la planeación socioeconómico de los núcleos agrarios ejidales y comunales, a fin de diseñar un mecanismo eficaz que satisfaga las necesidades …

Delimitación Téorica Del Delito Penal Fiscal, Bruno L. Costantini García

Bruno L. Costantini García

Anális de los elementos constitutivos del delito fiscal, la acción delictiva, los grados de ejecución, la consumación y los responsables.

Pretende distinguir el delito penal común del delito penal fiscal con base en sus elementos y pretende aportar una reflexión de la criminalización del delito fiscal en nuestros tiempos, usado por la Autoridad Hacendaria como un medio de represíón y de opresión de los derechos del contribuyente.

Csmysore Newsletter, Cs. Sunil Kumar B.G., Csmysore E-Group

Sunil B.G. & Associates

This Contains the latest updates on various topics relating to corporate professionals and also contains useful articles

La Globalización De La Legislación Cambiaria, Bruno L. Costantini García

Bruno L. Costantini García

No abstract provided.

Protección De Datos Personales, Bruno L. Costantini García, Norma E. Pimentel Méndez

Bruno L. Costantini García

Introducción a la regulación de la protección de datos personales en México.

Derecho De La Seguridad Social En México, Bruno L. Costantini García

Bruno L. Costantini García

Breve presentación del Derecho de la Segurida Social en México.

¿Qué es?

¿Cómo funciona?

¿Su aplicación?

Collaborating With A Financial Therapist: The Why, Who, What And How, Cicily Maton, Michelle Maton, William Marty Martin

William Marty Martin

Financial planning clients are seeking holistic solutions to their financial opportunities and challenges. Yet, few financial planners and mental health professionals work together to benefit clients. This article showcases a partnership between a financial therapist, trained as a psychologist, and two financial planners who have implemented an evidence-based model of financial planning drawing upon the behavioral finance, neureconomics, evolutionary psychology, and coaching literature.

Cuarto Congreso Nacional De Organismos Públicos Autónomos, Bruno L. Costantini García

Bruno L. Costantini García

Memorias del Cuarto Congreso Nacional de Organismos Públicos Autónomos

"El papel de los Organismos Públicos Autónomos en la Consolidación de la Democracia"