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Financial Literacy: an Essential Tool for Informed Consumer Choice?
NBER WORKING PAPER SERIES FINANCIAL LITERACY: AN ESSENTIAL TOOL FOR INFORMED CONSUMER CHOICE? Annamaria Lusardi Working Paper 14084 http://www.nber.org/papers/w14084 NATIONAL BUREAU OF ECONOMIC RESEARCH 1050 Massachusetts Avenue Cambridge, MA 02138 June 2008 I would like to thank Keith Ernst, Howell Jackson, Kevin Rhein, Peter Tufano, and participants to the conference "Understanding Consumer Credit: A National Symposium on Expanding Access, Informing Choices, and Protecting Consumers," Harvard Business School, November 2007, and the conference "Consumer Information and the Mortgage Market," Federal Trade Commission, Washington, D.C., May 2008 for suggestions and comments. This paper builds on several projects I have written in collaboration with Olivia Mitchell, whom I would like to thank for her encouragement, support, and many suggestions. Audrey Brown provided excellent research assistance. Any errors are my responsibility. This paper was written while visiting Harvard Business School and I would like to thank them, and in particular Peter Tufano, for their hospitality. The views expressed herein are those of the author(s) and do not necessarily reflect the views of the National Bureau of Economic Research. NBER working papers are circulated for discussion and comment purposes. They have not been peer- reviewed or been subject to the review by the NBER Board of Directors that accompanies official NBER publications. © 2008 by Annamaria Lusardi. All rights reserved. Short sections of text, not to exceed two paragraphs, may be quoted without explicit permission provided that full credit, including © notice, is given to the source. Financial Literacy: An Essential Tool for Informed Consumer Choice? Annamaria Lusardi NBER Working Paper No. -
CITRUS COUNTY HILLSBOROUGH COUNTY HILLSBOROUGH COUNTY HILLSBOROUGH COUNTY CITRUS COUNTY Inverness, FL 34451-0250 (CZ Tampa, Florida 33601-2350 137 S
LEGAL ADVERTISEMENT LEGAL ADVERTISEMENT LEGAL ADVERTISEMENT LEGAL ADVERTISEMENT LEGAL ADVERTISEMENT CITRUS COUNTY CITRUS COUNTY HILLSBOROUGH COUNTY HILLSBOROUGH COUNTY HILLSBOROUGH COUNTY CITRUS COUNTY Inverness, FL 34451-0250 (CZ Tampa, Florida 33601-2350 137 S. Pebble Beach Blvd., Suite 100 (352) 726-6767 E-Mail: [email protected] Telephone: (813)229-2775 Sun City Center, Florida 33573 HCZ 3/27-4/3/20 2T ATTORNEYS FOR THE CLERK Telephone: (813) 634-5500 Attorney for Plaintiff Facsimile: (813) 634-5501 —————————————————— on or before the 2nd day of June, 2020 [email protected] (being not less than 28 days nor more than QHſEG"TQDGTVJOQJTEQO IN THE CIRCUIT COURT OF THE By: s/ Donald F. Perrin IN THE CIRCUIT COURT FOR FC[U HTQO VJG FCVG QH ſTUV RWDNKECVKQP 3/27-4/3/20 2T FIFTH JUDICIAL CIRCUIT IN AND FOR FL Bar No. 164338 HILLSBOROUGH COUNTY, FLORIDA QHVJKUPQVKEG CPFVQſNGVJGQTKIKPCNQHVJG —————————————————— CITRUS COUNTY, FLORIDA 3/20-3/27/20 2T PROBATE DIVISION defenses with the clerk of this court either CIVIL DIVISION —————————————————— before service on the Clerk’s attorneys or IN THE CIRCUIT COURT File No. 19-CP-000011 immediately thereafter otherwise a default CASE NO. 2020 CA 000100 A FOR HILLSBOROUGH COUNTY, Division: A will be entered against you for the relief de- FLORIDA CHARLES SCHWAB BANK F/K/A manded in the complaint. PROBATE DIVISION CHARLES SCHWAB BANK, N.A. IN RE: ESTATE OF If you are a person with a disability who File No. 19-CP-002718 Plaintiff, VICTOR FELIX LEBRON, A/K/A VICTOR needs any accommodation in order to par- FELIX LEBRON, SR. -
Sacrificing Privacy for Convenience: the Need for Stricter FTC Regulations in an Age of Smartphone Surveillance
Journal of the National Association of Administrative Law Judiciary Volume 34 Issue 2 Article 6 12-15-2014 Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance Ashton McKinnon Follow this and additional works at: https://digitalcommons.pepperdine.edu/naalj Part of the Administrative Law Commons, Consumer Protection Law Commons, Privacy Law Commons, and the Science and Technology Law Commons Recommended Citation Ashton McKinnon, Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance, 34 J. Nat’l Ass’n Admin. L. Judiciary 484 (2014) Available at: https://digitalcommons.pepperdine.edu/naalj/vol34/iss2/6 This Comment is brought to you for free and open access by the Caruso School of Law at Pepperdine Digital Commons. It has been accepted for inclusion in Journal of the National Association of Administrative Law Judiciary by an authorized editor of Pepperdine Digital Commons. For more information, please contact [email protected], [email protected], [email protected]. Sacrificing Privacy for Convenience: The Need for Stricter FTC Regulations in an Age of Smartphone Surveillance By Ashton McKinnon* TABLE OF CONTENTS I. INTRODUCTION ......................................................................... 486 II. THE SMARTPHONE .................................................................... 488 III. APPS ........................................................................................ -
Tampa Morning Tribune Tampa, Florida
TAMPA MORNING TRIBUNE TAMPA, FLORIDA TAMPA MORNING TRIBUNE – WEDNESDAY, SEPTEMBER 21, 1910 TWO MEN TAKEN FROM OFFICERS AND HANGED [PHOTO COURTESY FROM THE USF SPECIAL COLLECTION LIBRARY] Castenge Ficarrotta and Angelo Albano Victims of Lynch Law While Being Transferred to County Jail by Officers DRAMATIC NOTES PINNED TO FEET MEN WERE ARRESTED ON CHARGE OF ACCESSORY TO SHOOTING OF EASTERLING LYNCHING PARTY MADE UP OF LATIN CITIZENS Ficarrotta Recently Figured in Murder Trial, Charged with Killing his Uncle “BEWARE” “Others take notice or go the same way. We know seven more. We are watching you. If any more citizens are molested, look our Justice” This tragic note, written in black ink, or a large-sized piece of paper, was pinned to the trousers of Angelo Albano, Italian, who with Castenge Ficarrotta, Italian, was hanged by a mob last night three and one-half miles from the county court house. The notice was written plainly and each letter of each word was a capital. It found a resting place on the feet of Albano. Swing in Moonlight Two human bodies, the forms of the coatless men bathed in a wealth of light given from a full moon sending its days through the luxuriant foliage of a giant Oak and full upon the lifeless beings, was a gruesome picture presented city and county authorities last night. Two victims of lynch law, said to have been sent to a hurried grave through the reign of lynch law, participated in by Latin- Americans and Americans, who secured their prey through holding up two representatives of the sheriff’s office, they showed little signs of violence on their persons. -
List of Fair Game Operations
List of Guardian's Office operations From its establishment in 1966 to its demise in the early 1980s, the Guardian's Office (GO) of the Church of Scientology carried out numerous covert operations and programs against a range of perceived opponents of Scientology in the United States and around the world. The GO sought to discredit, destroy or otherwise neutralize – or "depower", in Scientology jargon – any group or individual that it regarded as anti-Scientology. Instructions for such operations were distributed in the form of individually numbered "Guardian Program Orders", abbreviated as GPgmOs, which were distributed from the GO leadership to GO branches in Churches of Scientology and ultimately used to task agents. Operations Operation Big Mouth was a plan devised by the GO to discredit Nathan Dodell, an Assistant US Attorney who represented the government in several cases involving Scientology. Dodell was believed by the GO to be "assiduously collecting files on Scientology to show (a) harassment of the U.S. government [by Scientologists] and (b) violations of the law by Scientology." Jimmy Mulligan, an assistant to L. Ron Hubbard's wife and GO head Mary Sue Hubbard, instructed GO agents to "finally and terminatedly handle Mr. Dodell. He has been on our lines for many, many years. I would like for you to have very accurate and complete surveys done on him in D.C., and mock up and carry out some very professional, smooth, ops [operations] which will depower him fully." The Guardian's Office later concluded that it would be necessary to prove that Dodell was guilty of criminal conduct before the Church of Scientology could get him fired. -
2019-08-22 Agenda Package
Agenda Page 1 SOUTH FORK EAST COM M UN I TY D EV ELOPM EN T D I STRI CT REGULAR M EETI N G AUGUST 22, 2019 Agenda Page 2 South Fork East Community Development District Inframark, Infrastructure Management Services 210 N. University Drive, Suite 702, Coral Springs, FL 33071 Phone: 954-603-0033; Fax: 954-345-1292 CALL IN NUMBER: 1-800-747-5150 CODE: 2758201 August 15, 2019 Board of Supervisors South Fork East Community Development District Dear Board Members: The regular meeting of the Board of Supervisors of the South Fork East Community Development District will be held on Thursday August 22, 2019 at 6:00 p.m. at the Christ the King Lutheran Church, 11421 Big Bend Road, Riverview, Florida. Following is the advance agenda for the meeting: 1. Pledge of Allegiance 2. Call to Order 3. Audience Comments (3) minute time limit There are two opportunities for audience comments on any CDD matter during the course of the meeting as noted in the agenda. Additionally, audience comments are permitted on any matter being discussed by the Board, at the Boards request. In order to maintain order and in the interest of time and fairness to other speakers, each speaker must be recognized by the Chairman and or the Secretary and comments are limited to three minutes per person. This time may be extended at the discretion of the Chairman and or the Secretary. Only one person may speak at a time. Although Supervisors may not necessarily respond to the comments, they will be taken into consideration by the Supervisors. -
Profiling and Targeting Consumers in the Internet of Things – a New Challenge for Consumer Law
Profiling and targeting consumers in the Internet of Things – A new challenge for consumer law Prof. Dr. Natali Helberger, Institute for Information Law, University of Amsterdam I. Introduction “The door refused to open. It said, “Five cents, please.” He searched his pockets. No more coins; nothing. ‘I’ll pay you tomorrow,’ he told the door. Again he tried the knob. Again it remained locked tight. ‘What I pay you,’ he informed it, ‘is in the nature of a gratuity; I don’t have to pay you.’ ‘I think otherwise,’the door said. ‘Look in the purchase contract you signed when you bought this conapt.’ … From the drawer beside the sink Joe Chip got a stainless steel knife; with it he began systematically to unscrew the bolt assembly of his apt’s money gulping door. ‘I’ll sue you,’th door said as the first screw fell out. Joe chip said, ‘I’ve never been sued by a door. But I guess I can live through it.’1 Having a legal debate with one’s door sounds very much like a vision from a hopefully very hypothetical future – like the one the science fiction author Philip K. Dick described in his novel. And yet, today, almost 50 years after Dick has first published Ubik, this future does not sound that hypothetical or even far away anymore. This chapter will argue that there is a role for consumer law to make sure that we do not have to have conversations like these with our doors, toasters or other smart appliances in the Internet of Things. -
Scientology: CRIMINAL TIME TRACK ISSUE I by Mike Mcclaughry 1999
Scientology: CRIMINAL TIME TRACK ISSUE I by Mike McClaughry 1999 The following is a Time Track that I put together for myself and some friends at the time, in 1999. I originally used the pseudonym “Theta” at the request of Greg Barnes until he was ready to “go public” with his defection from Scientology. I also used the pseudonym “Theta 8-8008” around this same time period. Bernd Luebeck, Ex-Guardian’s Office Intelligence and then Ron’s Org staff ran the website www.freezone.org. In 1999, just after my time track was released privately, Bernd used it on his website as-is. He later expanded on my original time track with items of interest to himself. Prior to my doing this time track, Bernd, (nor anyone else involved with Scientology on the internet), had ever thought of the idea to do things this way in relation to Scientology. Mike McClaughry BEGIN An open letter to all Scientologists: Greetings and by way of introduction, I am a Class 8, OT 8, who has been in the Church for many decades and I am in good standing with the Church. I am a lover of LRH’s technology and that is my motivation in writing you and in doing what I am now doing. It came to my attention, sometime in the not too distant past, that the current top management of the Church, particularly David Miscavige, is off source. One of the ways he is off-source is that he has made the same mistake as the old Guardian’s Office staff made, engaging in criminal activities to solve problems. -
U R B a N LIFE And
URBAN LIFE and URBAN LANDSCAPE SERIES CINCINNATI'S OVER-THE-RHINE AND TWENTIETH-CENTURY URBANISM Zane L. Miller and Bruce Tucker OHIO STATE UNIVERSITY PRESS Columbus Copyright © 1998 by The Ohio State University. All rights reserved. Library of Congress Cataloging-in-Publication Data Miller, Zane L. Changing plans for America's inner cities : Cincinnati's Over-The-Rhine and twentieth-century urbanism / Zane L. Miller and Bruce Tucker. p. cm. — (Urban life and urban landscape series) Includes bibliographical references and index. ISBN 0-8142-0762-6 (cloth : alk. paper).—ISBN 0-8142-0763-4 (pbk.: alk. paper) 1. Urban renewal—Ohio—Cincinnati—History. 2. Over-the-Rhine (Cincinnati, Ohio)—History. I. Tucker, Bruce, 1948 . 11. Title. III. Series. HT177.C53M55 1997 307.3'416'0977178—dc21 97-26206 CIP Text and jacket design by Gary Gore. Type set in ITC New Baskerville by Wilsted & Taylor Publishing Services. Printed by Thomson-Shore. The paper in this publication meets the minimum requirements of American National Standard for Information Sciences—Permanence of Paper for Printed Library Materials. ANSI Z39.48-1992. 98765432 1 For Henry List of Illustrations ix Acknowledgments xi Introduction: Why Cincinnati, Why Over-the-Rhine? xv Prologue: 1850s-1910s 1 PART ONE ZONING, RAZING, OR REHABILITATION Introduction: From Cultural Engineering to Cultural Individualism 9 1 Social Groups, Slums, and Comprehensive Planning, 1915-1944 13 2 Neighborhoods and a Community, 1948-1960 29 PART TWO NEW VISIONS AND VISIONARIES Introduction: Community Action and -
Nick Nuccio Oral History Interview by Gary Mormino and George Pozzetta, June 10, 1979 Nick Nuccio (Interviewee)
University of South Florida Scholar Commons Digital Collection - Florida Studies Center Oral Digital Collection - Florida Studies Center Histories June 1979 Nick Nuccio oral history interview by Gary Mormino and George Pozzetta, June 10, 1979 Nick Nuccio (Interviewee) Gary Ross Mormino (Interviewer) George E. Pozzetta (Interviewer) Follow this and additional works at: http://scholarcommons.usf.edu/flstud_oh Part of the American Studies Commons, and the Community-based Research Commons Scholar Commons Citation Nuccio, Nick (Interviewee); Mormino, Gary Ross (Interviewer); and Pozzetta, George E. (Interviewer), "Nick Nuccio oral history interview by Gary Mormino and George Pozzetta, June 10, 1979" (1979). Digital Collection - Florida Studies Center Oral Histories. Paper 2. http://scholarcommons.usf.edu/flstud_oh/2 This Oral History is brought to you for free and open access by the Digital Collection - Florida Studies Center at Scholar Commons. It has been accepted for inclusion in Digital Collection - Florida Studies Center Oral Histories by an authorized administrator of Scholar Commons. For more information, please contact [email protected]. COPYRIGHT NOTICE This Oral History is copyrighted by the University of South Florida Libraries Oral History Program on behalf of the Board of Trustees of the University of South Florida. Copyright, 2009, University of South Florida. All rights, reserved. This oral history may be used for research, instruction, and private study under the provisions of the Fair Use. Fair Use is a provision of the United States Copyright Law (United States Code, Title 17, section 107), which allows limited use of copyrighted materials under certain conditions. Fair Use limits the amount of material that may be used. -
Making a Sunbelt Place: Tampa, Florida, 1923–1964
MAKING A SUNBELT PLACE: TAMPA, FLORIDA, 1923 – 1964 By ALAN J. BLISS A DISSERTATION PRESENTED TO THE GRADUATE SCHOOL OF THE UNIVERSITY OF FLORIDA IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE DEGREE OF DOCTOR OF PHILOSOPHY UNIVERSITY OF FLORIDA 2010 1 © 2010 Alan J. Bliss 2 To my wife Lynn, with gratitude for traveling a long highway with me 3 ACKNOWLEDGMENTS Such success as this project may enjoy owes to many teachers at both Santa Fe Community College and the University of Florida. No one has been more influential in my academic life than the remarkable Robert Zieger, now Distinguished Professor Emeritus at the University of Florida. Since the day in 1998 when I appeared in his office doorway, he has skillfully supervised my undergraduate honors thesis, my master’s paper, and this dissertation. He has made me a historian, and pulled it off with a deft combination of scholarly rigor, expertise, and good humor. I count our professional relationship and our friendship as my good fortune. My thanks also go to Barbara Oberlander of Santa Fe Community College, who aimed me in the direction of a distant goal, and referred me to Robert Zieger. In addition to Bob Zieger as chair, my dissertation committee included Jack Davis, Joseph Spillane, Jeffrey Needell, and Grant Thrall. Their perspectives on my project varied, but their thoughtful criticism throughout the research and writing process encouraged me and improved my work. Contrary to what some outside the academy may believe, to members of the graduate faculty at a research institution such as the University of Florida, every working hour is precious. -
The Philosophy of the Coen Brothers
University of Kentucky UKnowledge American Popular Culture American Studies 12-12-2008 The Philosophy of the Coen Brothers Mark T. Conard Marymount College Click here to let us know how access to this document benefits ou.y Thanks to the University of Kentucky Libraries and the University Press of Kentucky, this book is freely available to current faculty, students, and staff at the University of Kentucky. Find other University of Kentucky Books at uknowledge.uky.edu/upk. For more information, please contact UKnowledge at [email protected]. Recommended Citation Conard, Mark T., "The Philosophy of the Coen Brothers" (2008). American Popular Culture. 5. https://uknowledge.uky.edu/upk_american_popular_culture/5 conard_coen_dj2:Layout 1 9/29/08 6:18 PM Page 1 CONARD (continued from front flap) FILM/PHILOSOPHY THE PHILOSOPHY OF systems. The tale of love, marriage, betrayal, and divorce THE PHILOSOPHY OF in Intolerable Cruelty transcends the plight of the charac- “The Philosophy of the Coen Brothers offers a very ters to illuminate competing theories of justice. Even in smart, provocative, and stylishly written set of lighter fare, such as Raising Arizona and The Big Lebowski, essays on the films of the Coen brothers. The THE COEN the comedy emerges from characters’ journeys to the volume makes a convincing case for reading their brink of an amoral abyss. However, the Coens often films within a wide array of philosophical contexts knowingly and gleefully subvert conventions and occa- and persuasively demonstrates that the films of sionally offer symbolic rebirths and other hopeful out- BROTHERS the Coen brothers often implicitly and sometimes comes.