#aequitas aug | Explore Tumblr Posts and Blogs

idonthaveanyurlideas · 2 years

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so with blaseball coming back its time for some SHAMELESS SELF-PROMOTION!!!

Are you new to blaseball?? old to blaseball??? showed up at the end of the expansion era and so youre technically old because its been more than a year but also havent actually really seen THAT much BLASEBALL???? May i introduce the OLIVE ANIMATIC CINEMATIC UNIVERSE. Aka check out how hard i love the sunbeams and also sometimes other teams are there. Don’t know where to start? Here’s a handy guide!

Link to the YouTube Playlist: https://youtube.com/playlist?list=PLkT744Jo0ayouUXXdsV1N6SzZIhWEkILa

[ID: Four screenshots of PowerPoint slides with black backgrounds. Each slide has thumbnails of youtube videos with short descriptions to go with and a title to describe each slide.

First slide: General Recaps: “I wanna know what happened between season x and y” Seasons 1-11 (Sunbeams): The Phoenix - The Hellmouth Sunbeams. Seasons 12-19 (Sunbeams): Dark Days - The Hellmouth Sunbeams. Seasons 20-24 (Sunbeams): Glorious - The Hellmouth Sunbeams. Seasons 12-24 (Expansion Era): Aequitas Aug.

Second slide: Story Recaps: “I wanna know the gist about this particular event/narrative” Precognition (Sunbeams): The Precog Trio - Animatic. Snackrifice (Tacos): The Snackrifice. Day X (League-Wide): The Hall Stars

Third slide: Character Animatics: “I wanna know the story of this particular guy/group” Sandoval Crossing, Velasquez Meadows & Rhys Trombone: sun - moon - earth. Iggy Delacruz: Iggy - An Alternate. Sutton Bishop & Kaj Statter Jr.: Party Problems. Wyatt Mason VII: Wya77. Nagomi Nava, Nagomi Meng & Nagomi Mcdaniel: Idle Worship - Nagomis. Igneus Delacruz: Igneus - The Original. Jayden Wright: Ossification - Jayden & Hypercalcemia - Jayden.

Fourth Slide: Character Animatics Cont. Alaynabella Hollywood: Alaynabella. Miguel James (Part 2 in progress): Autoignition - Miguel Miscellaneous That time i jinxed nerds supperallergy AND iggy’s death: Dear ILB... plz. dogs: dogs. Parks and Rec bit: Who Broke It. How to handle a duck (goose) ft. the flowers: Sutton Bishop Handling 101 /end ID]

#my art #blaseball #hee hee hoo hoo check out my art #happy blaseball returning soon day #animatics #imagine described

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fabiansteinhauer · 11 months

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Polarforschung

Münzen und Medaillen sind wie der Kopf rund, damit sie, wie Francis Picabia festgestellt hat, die Richtung wechseln können. Sie sind wie Hostien rund, damit sie ein Verschlingen oder Verzehren händel- und bestreitbar machen können. Sie sind wie Planeten rund, damit sie polarisieren können.

Der ça ira-Verlag in Freiburg ist ein Verlag, dessen Gründung an den Tagen des heiligen Gürteltiers gefeiert werden könnte, weil er im Namen eines Kippens gegrúndet wurde, das in den Zorn führt (Ah ça ira ist der Titel eines französischen Straßenkehrer- und Revolutionliedes).

Auf das Cover von Paschukanis Allgemeiner Rechtslehre und Marxismus haben die Verleger, offensichtlich Deutschrömer, eine römische Münze gesetzt: ein Polobjekt, das wendig, kehrbar, pendelbar und vor allem wanderbar ist. Es kann hin und her gehen, ohne unbedingt zurückzukommen.

Die Verleger bilden aber nur eine Hälfte des Objektes ab, in dem Fall eine Seite. Dabei handelt es sich um eine sog. Sesterze aus dem Jahr 240 n. Chr. In einer Erläuterung schreiben sie sorgsam, sie sei aus dem Jahre 240 n.u.Z. (nach unserem Zeitberechnungsnullpunkt oder so, ich bin mir nicht sicher, was u.Z. heißt, weiß nur, dass das eine eher 'oströmische Abkürzung' ist). Dort beschreiben die Verleger die Seite als ein Bildnis der Aequitas, die soll eine Göttin sein, und zwar eine der Gleichheit und Billigkeit. Sie halte eine Waage und ein Füllhorn.

Die Figur könnte weiblich sein, sie könnte selbst wiederum ein vages Objekt, ein Polobjekt und ein Luxusobjekt halten. Vollständig steht dort geschrieben: Aequitas Aug (und im August sind oft noch die Tage des heiligen Gürteltiers, es kommt dabei ganz auf den römischen Kalender mit seinen Schwankungen an). Ein S und ein weiterer Buchstabe (C), der hier aber nichts zur Sache tut, sind auffällig geprägt: Schlangenförmig steht das S direkt unter jenem vagen Polobjekt, das eine Waage sein soll. Die Figur hält die Waage wie einen Schirm über der schlängelnden Form, die ein Buchstabe sein soll.

Die Figur muss nicht Aequitas sein, Aequitas muss keine Göttin sein, sie muss auch nicht die Gleichheit und die Billigkeit vergöttern. Eine Übersetzungsgeschichte ist niemals aus, niemals ausdifferenziert, niemals gehen ihr die Übersetzungen aus. Von manchen Korruptionen des Römischen kann man lernen, dass neue Übersetzungsvorschläge nicht unbedingt aus dem nichts kommen, auch wenn sie nicht in Reichweite geschrieben standen. Neue Übersetzungen können das Wort anders altern haben lassen und an anderen Enden jener Alterität ansetzen, aus der fremde und entfernte Worte kommen.

Was Göttin genannt wird, kann, so versteht man das zum Beispiel im brasilianischen Condomblé und Yorubá (die römisch korrumpiert und römische Korruptionen sind) eher höheres und/ oder niederes und vor allem zwischen Erhabenheit und Frivolität schwankendes oder pendelndes Wesen sein.

Man könnte zum Beispiel Aequitas Nymphe oder römische Dame statt Göttin nennen: viel falscher als Göttin wäre es nicht unbedingt, viel richtiger auch nicht unbedingt. Aequitas muss man nicht mit Gleichheit und Billigkeit übersetzen. Man kann es mit das Musterung, das Schmucke, das Passende, das Passierende, das Angemessene, das Gemessene, die Messe, die Maßnahme übersetzen. Gibt es für Aequitas Choreographien, dann können die Graphen darin kurviert oder elliptisch sein. Vielleicht sind Gleichungen gemeint, keine Gleichheit und nichts Billiges, nichts, was man billigen möchte oder billigen sollte.

#polarforschung #polobjekte #eugen paschukanis #judge a book by its cover

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theuhurabang · 3 years

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[Image ID in Readmore]

[Image ID:]

[The Uhura Bang Posting Schedule 2021]

July 03-31st.

Aug 01-06.

A new post every day- except Wednesdays.

[Image ID: A series of slides of text on a purple starry background. Text reads as follows:]

Sat the 3rd of July

“Speaking From The Heart”.

Written by Williamspockspeare, with art by Im_not_creative_with_names

@askrichardiii

“Uhura must convince a group of aliens that humanity deserves their existence.”

Sunday the 4th of July

“Uhura Hears All The Juicy Gossip”

Written by BangtamBambi, with art by Purpuddle. @purpuddle

“Uhura gets the chance to use her talent for something other than translations.”

Monday the 5th of July

“L’Albatros”

Uhura fanart by @maxworm (Trillnaturalist)

Tuesday the 6th of July

“Two On The Same Page Here”

Written by @dohegotthebootycreed (Epicionly)

Wednesday the 7th of July

[Rest Day]

Thursday the 8th of July

“Beyond Antares”

Fanart by Marlinspirkhall

[Uhura Prime & AOS Uhura]

Friday the 9th of July

“Spuhura Bridgerton AU”

Fanart by Marlinspirkhall

[Spock/Uhura]

Saturday the 10th of July

“My Soul Is In The Sky”

Art by @ijustlivehere, with writing by two_drama_nerds_in_a_boat

[Follows the prompt “Uhura and tribbles”]

Sunday the 11th of July

“Captain’s Quarters”

Art by Marlinspirkhall

[Chapel/Uhura]

Monday the 12th of July

“Glacies 1”

Written by Spockats, with art by sting-rachel-art

[Chapel/Uhura]

Tuesday the 13th of July

“All Hail Our Star Trek Goddess”

Art by @galacticturnip

Wednesday the 14th of July

[Rest Day]

Thursday the 15th of July

[Title Unknown]

Fanart by @aimless-passerby

Friday the 16th of July

“Expectations”

Written by @kotekru, with art by @sweet-bolillito

"In the tense quiet of the night the last thing she expected was T’Pring’s soft voice murmuring an apology.”

Saturday the 17th of July

Title Unknown.

Written by Lavender_Lysander

“You’d think a linguist would be better at communicating, but don’t underestimate the power of lesbianism.” - lavender_lysander

[Chapel/Uhura]

Sunday the 18th of July

“Uhura With A Historical Costume”

Fanart by Purpuddle

[Knight Uhura]

Monday the 19th of July

Title Unknown

Written by reidmiriam, with art by ilovepandasx

[Uhura vs Q]

Tuesday the 20th of July

“Convent Of The Orions”

Written by @imzadi-deanna

“Mirrorverse! Gaila/Uhura”

Wednesday the 21st of July

[Rest Day]

Thursday the 22nd of July

“Turbolift Rescue”

Fanart by Marlinspirkhall

[Uhura/T’Pring]

Friday the 23rd of July

“This Shot’s On Me”

Fic by tinybowties, art by BlueBioluminescence

“5+1 format: 5 times Nyota ran into Jim Kirk at a bar & 1 time they went together.”

Saturday the 24th of July

“Show Tribbles”

Written by aequitas, art by @saninmint

Follows the prompt “Uhura and tribbles”

Sunday the 25th of July

Title Unknown

Written by Homo_Vulcanesis, with art by Purpuddle and (Rachel)

[Captain Uhura AU]

Monday the 26th of July

“The City On The Edge Of Forever [Redux]”

Fanart by Marlinspirkhall

[Spock/Uhura]

Tuesday the 27th of July

“The Andorian Conundrum”

Written by Sultrybutdamaged

“A Conference being held at the academy gives Uhura a chance to prove herself- but then, an ambassador turns up dead.”

Wednesday the 28th of July

[Rest Day]

Thursday the 29th of July

“I Know You”

Written by marlinspirkhall, with art by ey-spacecadet

[A Spock/Uhura bodyswap AU.]

Friday the 30th of July

“Lullaby”

Written by thesadchicken, with art by kotekru

“Lieutenant Uhura finds herself stuck on a strange new world with an injured, potentially dangerous alien.”

Saturday the 31st of July

“Lady With A Tribble”

Fanart by greenleaf1701

Sunday the 1st of August

Title Unknown

Art by Kotekru. Written by laurelfischer

Monday the 2nd of August

“Hanging Out On Observation Deck Three”

Fanart by Marlinspirkhall

Tuesday the 3rd of August

Title Unknown

Written by CasualMythologist, art by PladiusPlants

Wednesday the 4th of August

[Rest Day]

Thursday the 5th of August

“Kiss On The Bridge”

Fanart by Marlinspirkhall

[Uhura/Rand]

Friday the 6th of August

Title Unknown

Written by CasualMythologist. Art by Sarah.Tisseau. @casual-mythologist

#star trek #Uhura #Nyota Uhura #Star Trek Fic #Star Trek Fanart #Uhura Fanart #Nyota Uhura Fanart #Fanart #The Uhura Bang #the uhura bang 2021

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bread--quest · 3 years

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[ID: A digital drawing on a black background. In the upper left corner, a figure is traced in purple. They have glowing white hair that's about shoulder-length and glowing white eyes, both with a faint purple tinge. Neon purple cards are between their hands in a line, so it looks as if they're being shuffled. Words above them in purple read "immateria immateria." In the upper righthand corner, three squares have been sketched in slightly tinted shades of gray. Text above them in gray reads "Flailing against the current." In the middle, there is a figure drawn with gold lines with their hands held out to the side and a delighted expression. They have gold hair pulled back in a bun and are holding a scale in one hand. Glowing yellow letters around their head read "Aequitas Aug", and above them yellow letters read "What an incredible Season!" In the lower left corner, a large, glowing white shape with a single glowing blue eye and many tentacles is drawn, next to the words "uh boss" in blue. In the lower right corner, there is a pinkish silhouette with a microphone shape drawn near their head. The silhouette appears to be blurred and fractured. The words "Wyatt Mason" and "Over and Out" are above them in pink text, but "Over and Out" is distorted and "Wyatt Mason" has bits of the letters removed so it appears to be glitched. End ID.]

so i drew some blaseball entities (and used the fuck out of the glow brush in the process)! from left to right, top to bottom: Tarot Reader, Loōtcrates, the Coin, the Hall Monitor, and Wyatt Mason/the Microphone.

#blaseball #sondart #wow look something original!!#ask to tag #v proud of how the reader and the monitor came out! kinda ehh on lootcrates and the boss but oh well

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charlesjening · 5 years

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Deloitte, EisnerAmper, 5 Others to Pay $235 Million to Settle Aequitas Investors’ Lawsuit

Why go through a lengthy, expensive trial, not knowing whether you’ll win or lose, when you can pay a shit-ton of money to make it all go away?

That’s what the seven defendants, including Deloitte and EisnerAmper, did to settle a class-action lawsuit filed three years ago by investors of Aequitas accusing the accounting firms, two law firms, a securities firm, and others of enabling the now-defunct Oregon investment company of running a Ponzi scheme over a six-year period.

Law360 reported:

Though they deny any liability, the defendant firms each agreed to participate in a unified settlement proceeding netting $234.6 million in proceeds for the investor class. Along with distributions from Aequitas’ receiver, the class’s total recovery will be between $298.6 million and $311.6 million, compared to calculated investment losses of $263.8 million, according to class counsel.

Reports say the settlement could be the largest ever of a securities lawsuit in Oregon.

According to The Oregonian, Deloitte, EisnerAmper, law firm Sidley Austin, securities firm TD Ameritrade, and ratings agency Duff & Phelps will pay a combined $220 million. Law firm Tonkon Torp and Integrity Bank & Trust of Colorado had already agreed to pay $12.9 million and $1.7 million, respectively, in a separate agreement.

Aequitas investors filed a $350 million lawsuit in April 2016, less than a month after the SEC charged Aequitas Management LLC and four affiliates, as well as three executives—CEO Robert Jesenik, executive vice president Brian Oliver, and CFO and chief operating officer N. Scott Gillis—with hiding the deteriorating financial condition of Aequitas while raising more than $350 million from investors.

The investors claimed in their lawsuit that Aequitas and its affiliated companies operated a Ponzi scheme from 2010 until 2016.

The SEC order said Aequitas screwed over more than 1,500 investors nationwide by making them believe they were making health care-, education-, and transportation-related investments when their money was actually being used in a last-gasp attempt to save the firm. Some money from new investors was allegedly used to pay earlier investors.

The SEC alleged that the executives continued to draw their lucrative salaries, use a private jet, and attend posh dinner and golf outings, all at the expense of investors. They used the outings to raise more money from investors. Jesenik, Oliver, and Gillis took home at least $2.5 million in combined salaries during this period.

The Oregonian reported that investors in Oregon never felt comfortable with Jesenik and Oliver because they participated in too many shady deals. But that didn’t stop Aequitas from finding investors out of state:

The Lake Oswego company grew quickly and developed a specialty in buying, selling and servicing debt. To fund its own operations, Aequitas sold debt of its own — much of it to mom-and-pop investors. It recruited a network of investment firms and brokerages from Washington State to New Jersey to sell Aequitas securities. In return, Aequitas offered to pay the middle men a percentage, which some in the industry felt was a clear breach of industry ethical rules.

As Caleb reported in April 2016, the firm’s money in student loan receivables of for-profit education provider Corinthian Colleges evaporated when Corinthian went bankrupt in 2015. That little snafu didn’t stop Jesenik and Oliver from continuing to raise money and Gillis from covering up the liquidity problems.

But the end was near, according to The Oregonian:

[In 2015] Aequitas’ veneer of wealth and respectability also began to crumble. Investors who had purchased more than $600 million in debt securities were stunned when the company began to default on the notes. By March 2016, it was over.

Oliver pleaded guilty to fraud and money laundering charges on April 20. His sentencing is scheduled for Aug. 5.

Deloitte & Touche was Aequitas’ auditor for the years 2013 and 2014, and issued an unqualified opinion in its 2014 audit that Aequitas’ financials fairly and accurately represented the company’s financial condition. But the investors’ lawsuit claimed that by painting a rosy picture of Aequitas’ financial health, the firm “participated in and materially aided unlawful sales of securities.”

Deloitte performed auditing and accounting services for Aequitas in connection with securities that are at issue in this action. Deloitte prepared audited financial statements for Aequitas for the years 2013 and 2014. These audited financial statements were provided to prospective investors and existing investors deciding whether to invest or re-invest. The audited financial statements were a material part of the information made available to investors and the existence of an auditor gave Aequitas clout.

In a statement sent to Law360, Deloitte said:

“Former Aequitas insiders have already pled guilty to perpetuating this fraud and hiding it from their investors and their auditors. We stand behind the quality of our audit work and are participating in this agreement to avoid the ongoing cost, distraction and uncertainty of extended litigation.”

EisnerAmper was named in the lawsuit because the firm was Aequitas’ auditor for the years 2011 and 2012. In a statement to Law360, EisnerAmper said:

“Given the high cost of litigation and the minimal involvement of our firm, we are pleased that this matter has settled.”

The amount that Deloitte and EisnerAmper will each have to pay as part of the settlement has not been made public.

The post Deloitte, EisnerAmper, 5 Others to Pay $235 Million to Settle Aequitas Investors’ Lawsuit appeared first on Going Concern.

republished from Going Concern

#Technology #Finance

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ddebtconsolidation · 6 years

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Becerra Announces $67M Debt Relief From Private Student Loans For Corinthian Tuition —claycord CLAYCORD.com

(by Julia Cheever) – California Attorney General Xavier Becerra announced in San Francisco today that the state has reached a settlement of $67 million in loan forgiveness for 35,000 students who took out private loans to attend programs of the now-defunct Corinthian Colleges Inc.

The settlement was reached with Balboa Student Loan Trust, a Delaware-based company that took over some of the high-interest private loans students had taken to supplement their federal student loans.

Santa Ana-based Corinthian was once one of the largest for-profit education chains in the country, offering training in fields such as medical assistance, business and information technology.

It closed its schools and declared bankruptcy in 2015 amid allegations of fraudulent business and advertising practices.

Becerra, at a news conference at the State Building, called the company “a predatory for-profit school that intentionally targeted low-income, vulnerable individuals through deceptive and false advertising that misrepresented job placement rates and school programs, among other egregious misconduct.”

The settlement with Balboa was filed in Los Angeles Superior Court on Wednesday. It resolves a lawsuit state lawyers filed the same day, accusing Balboa of unfair business and debt collection practices.

Under the pact, Balboa will immediately halt all debt collection and forgive the remaining balance of each of the 34,971 private California student loans it holds. The combined balance is about $67 million.

Balboa will also repay all payments made by Californians since Aug. 1, 2017, for a total of more than $500,000, and will refund $84,000 in previous payments made by Californians who received what Becerra called “problematic” debt-collection notices.

The recipients will include 7,368 former students in the San Francisco Bay Area and 465 in the Monterey-Salinas area, Becerra said. Balboa does not admit to any wrongdoing in the settlement. A lawyer for Balboa was not available for comment.

Last year, Becerra announced a similar settlement with another private loan holder, Aequitas Capital Management, which provided former Corinthian students in California with $51 million in debt relief.

The two settlements concern only the private loans students took out, which typically accounted for about 10 percent of tuition.

Other lawsuits have been filed concerning forgiveness by the U.S. Education Department of federal loans, which often paid the other 90 percent of tuition.

Federal rules require that schools whose students receive federal loans can obtain no more than 90 percent of their funding from U.S. loans and must receive the other 10 percent from other sources.

According to allegations in Becerra’s lawsuit on Wednesday and a federal lawsuit filed by the Consumer Finance Protection Bureau in 2015, Corinthian sought to achieve the private funding requirement by setting up a program called Genesis to facilitate private loans.

It allegedly set its tuition at a price that would require students to obtain private loans to supplement the federal loans.

Corinthian allegedly acted as a promoter, broker and debt collector for the private loans, which had higher interest than the federal loans, and did not tell students of its involvement.

In August 2014, Corinthian sold about 170,000 loan notes from the Genesis program with a face value of $505 million to a third party for $19 million, according to the CFPB lawsuit in federal court in Illinois.

Similarly, the lawsuit Becerra filed in Los Angeles on Wednesday alleges that in August 2014, “Corinthian sold virtually all of its Genesis loans to an unaffiliated third party, who in turn transferred the loans” at issue in the lawsuit to Balboa. Neither lawsuit identifies the third party.

photo credit: Julia Cheever

Source

Becerra Announces $67M Debt Relief From Private Student Loans For Corinthian Tuition

The post Becerra Announces $67M Debt Relief From Private Student Loans For Corinthian Tuition —claycord CLAYCORD.com appeared first on Debt Consolidation.

Source: http://www.ddebtconsolidation.com/becerra-announces-67m-debt-relief-from-private-student-loans-for-corinthian-tuition-claycord-claycord-com/

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mastvideos · 7 years

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25 States Urge Betsy DeVos To Not Let Student Loan Companies Sidestep The Law

This morning, a coalition of 25 state attorneys general urged DeVos and the Department of Education to reject a recent campaign by student loan servicers and debt collectors calling for the government to stymie state oversight of the industry.

In a letter [PDF], the coalition called on DeVos not to give into the efforts of two student loan servicing industry associations to relieve themselves from oversight by state regulators, claiming that the Dept. of Education lacks the authority to make such a declaration.

The AGs note that preempting state laws would “defy the well-established role of states in protecting their residents from fraudulent and abusive practices, plainly exceed the scope of the Department’s lawful administrative authority, and would needlessly harm the students and borrowers at the core of the Department’s mission.”

To that end, the Dept. “should reject the Industry Requests in full-and resume the long tradition of federal-state cooperation in protecting students and borrowers from unfair and deceptive practices,” the letter states.

Looking For Fewer Rules

The coalition’s plea comes just months after two industry groups called on the Dept. of Education to block or “preempt” state-led efforts to combat potential and ongoing abuses by student loan servicers.

In a June letter [PDF] to DeVos, the Education Finance Council claimed it was concerned with the “growing tendency of state entities to seek to impose state-level laws and regulations” on student loan servicers contracted by the federal government.

“If left unchecked, these state efforts will continue to add an unnecessary web of regulations which are both duplicative of and potentially contradictory to existing federal regulations and policies,” the group claims.

To that end, it asked DeVos to publicly state that these agencies must follow the Department’s rules and regulations, and that these rules “hold preeminence in regulating the activities of contractors.”

This sentiment was echoed in a July letter [PDF] to Acting Assistant Secretary for Postsecondary Education Kathleen Smith by the National Council of Higher Education Resources.

The group urged the Dept. to issue the same “regulatory guidance,” claiming that it would be too difficult and costly to follow both federal guidelines and those implemented by states.

What Does This Mean?

Essentially, the groups are asking the Dept. to clearly state that federal laws are the only ones that a company who is contracted to provide federal student loan servicing must follow.

This would mean that if a company services student loans on behalf of the federal government — i.e. the Dept. of Education — they wouldn’t have to follow state laws.

Both associations contend that they are already “highly‐supervised and regulated, both by the Department and the Consumer Financial Protection Bureau.”

However, it should be noted that since the letters were written, the Dept. of Education has taken steps to weaken the oversight of student loan servicers, namely in ending a relationship with the CFPB over such matters.

In recent years several states have either enacted or proposed laws that dictate what constitutes a servicer, requires companies to obtain licenses to service education loans to borrowers residing in their state, and otherwise follow regulations intended to protect borrowers and weed out bad players.

The Need For Laws

While the associations claim state laws provide “additional regulatory burden” on them, states note that the rules have already helped borrowers.

“State enforcement agencies have long been at the frontlines in protecting their citizens from fraud, deceptive conduct; and unfair business practices, including by financial service companies, debt collectors, and others,” the AGs wrote to DeVos.

Recent state enforcement actions (this is not a complete list) include:

• January 2017: The CFPB, along with Washington and Illinois, sued Navient claiming the company cheated borrowers out of repayment rights.

• July 2017: New York Attorney General Eric Schneiderman’s office opened an inquiry into the business practices of National Collegiate Student Loan Trust following reports that the company often files collection lawsuits against defaulted borrowers without proper or correct paper.

• Aug. 2017: Massachusetts Attorney General Maura Healey filed a lawsuit [PDF] accusing the Pennsylvania Higher Education Assistance Agency (PHEAA) — doing business as FedLoan Servicing — of harming borrowers by improperly servicing their accounts as part of the Public Service Loan Forgiveness Program and the Teacher Education Assistance for College and Higher Education (TEACH) Grant program.

• Aug. 2017: A group of 13 state attorneys general and the CFPB reached a $183.3 million settlement with Aequitas Capital Management, the issuer of private student loans for now-defunct for-profit educator Corinthian Colleges.

“We cannot allow student loan servicers to sidestep state law and oversight and deny students and borrowers these vital protections from student loan abuses,” New York Attorney General Eric Schneiderman said in a statement.

The letter to DeVos was signed by the AG from California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Massachusetts, Maryland, Maine, Minnesota, Montana, New York, North Carolina, Oregon, Rhode Island, Tennessee, Texas, Virginia, Vermont, Washington, and the District of the Columbia.

by Ashlee Kieler via Consumerist via Blogger http://ift.tt/2gGUZyF http://ift.tt/eA8V8J

#25 States Urge Betsy DeVos To Not Let Student Loan Companies Sidestep The Law

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omcik-blog · 7 years

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New Post has been published on OmCik

New Post has been published on http://omcik.com/former-corinthian-students-will-get-debt-relief/

Former Corinthian students will get debt relief

Former Corinthian students will get debt relief – Aug. 17, 2017

About 41,000 students who took out private loans to go to Corinthian College will be eligible for debt relief.

The Consumer Financial Protection Bureau and 13 state attorneys general said Thursday that they had reached a settlement agreement with Aequitas Capital Management, an investment firm that funded the loans.

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Students will receive $183 million, if the settlement is approved by the U.S. District Court in Oregon.

“Tens of thousands of Corinthian students were harmed by the predatory lending scheme funded by Aequitas, turning dreams of higher education into a nightmare,” said CFPB Director Richard Cordray.

The government alleges that Aequitas and Corinthian knew that they were offering high-interest loans to students who were likely to default. In a marketing presentation to Aequitas in 2013, Corinthian officials described prospective student borrowers as people who have “low self-esteem” and felt “isolated,” according to the complaint.

Many of its students were low-income and were the first in their families to go to college. They couldn’t afford to pay for tuition out of pocket.

Before Corinthian closed in 2015, it was one of the largest for-profit colleges in the country, with about 74,000 students enrolled. It operated more than 100 campuses under the names Everest, Heald, and WyoTech, and offered career-oriented programs like criminal justice and information technology.

Related: Congress expands GI Bill, helping vets burned by for-profit schools

But the school came under scrutiny as the Obama Administration cracked down on for-profit colleges. The government fined Corinthian $30 million in 2015 for misleading prospective students by overstating job placement rates for graduates.

Under the terms of the settlement, borrowers who were enrolled at a Corinthian school when it closed in 2015 will be eligible for forgiveness of their remaining debt. Those who are currently in default will also be eligible for forgiveness.

Related: States sue Betsy DeVos over student loan rule delay

All other former students with Genesis loans will be eligible for debt reduction by as much as 55% of their outstanding principal.

The average borrower will receive between $6,000 and $7,000 in loan relief, according to the office of New York Attorney General Eric Schneiderman.

If approved by the court, eligible borrowers will be notified within 90 days after approval, the CFPB said.

CNNMoney (New York) First published August 17, 2017: 7:03 PM ET

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orbleglorb · 9 months

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the birth of a star - a fic about aequitas, namerifeht, and parker being something like a family.

Aequitas Aug and Namerifeht forge a child. It doesn't go as bad as it could have. But that doesn't mean it won't get worse.

you have to be signed in to read it btw!!

#blaseball #blaseball fanfiction #fanfic #the coin | boss #aequitas aug #namerifeht #parker macmillan #<- every single one of these tags besides the first two are just so i can find it again. because i fucking LOST IT #wrote this in june (i think) and forgot to put it somewhere

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idonthaveanyurlideas · 1 year

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sorry if this has been asked before but i'd love to know your process for creating animatics. not only are they so incredibly fluid and perfect to the music but they're COLORED! absolutely inspiring. i'd love to know what you do for planning and editing, basically how to put an animatic together in general. i use procreate to make art but other than that i'm completely clueless on how to make animatics

ooooh okay i would LOVE to tell you!!!! So first things first I will say that my animatic process is probably not the most like. Efficient way to do it. I'm not an artistic expert and I'm very self-taught so this is just what I've come up with over the years with the resources I had.

This has ended up VERY long so I'm sticking a read more in

All that to say I have two main programs that I use, one to draw (Medibang Paint Pro) and one to put the frames together for my animatics (Davinci Resolve). These days, I have both of these programs on my laptop so I have everything on one device. Before I had my current laptop, I used Medibang Paint on my iPad and iMovie on my laptop, but the overall process is basically the same.

So. I have five main stages of making an animatic once I have a song and a character/narrative in mind.

Stage 0 is arguably the most important stage, which is deciding it's something I for real want to do. Making an animatic is a big commitment, so it has to be something im 100% on board with or I'll get bored before I finish it. So usually when I hear a song and I think "oh I can apply that to x character" I'll have to listen to that song on repeat for at least a few weeks just to iron out the story in my head, decide what moment I'm going to put with each lyric, basically plot out the narrative internally.

This stage is a bit different for every animatic. For some of them, like the Snackrifice as an example, I heard the song for the very first time and went: i know EXACTLY how this is going to go and then I went home and started planning it out immediately. Others, like Aequitas Aug, I had the song as a vague "oh this is Coin vibes" for months before Expansion Era ended and I finally knew I had all the material I would need for a full cohesive narrative. And then a bit longer to really decide "okay so the redactions are going to be at this point, the semicentennial will be at This moment" and so on.

I have a whole playlist full of songs that I COULD make into animatics that I vibe to on a regular basis, basically marinating them until I have enough content and ideas to start actually planning them out into an animatic.

Stage 1 is scripting it out: I write out all the lyrics of the song, count up how many beats correspond to each line, and plan out what I'm going to do with each section. As an example here's a portion of my script for Miguel's first animatic Autoignition. As you can see my script is often pretty loose and jokey at myself, because I already kinda know what I want it to look like by the time I start scripting it, this is just to get it down for pacing and to fill in any gaps.

[Image ID: Screenshot of white writing on a dark background. There are eight lines, alternating between bolded writing to signify planned action, and regular writing to signify the lyrics of the song Everybody Loves Me by OneRepublic. Line 1, in bold: Uh oh Zack is fallin into fire and hell and disintegrating ur gonna earn that content warning. Line 2, regular: And you don't have to make a Line 3: Miguel left alone at edge of Solarium :) fire everywhere :) big f Line 4: Sound 'Cause they got what you Line 5: Miguel falls to her knees for a moment, stunned. Line 6: Need. What you need Line 7: Then he runs away Line 8: Oh, oh, oh, oh, oh /end ID]

Stage 2 I do my actual draft. I do every frame as a very quick sketch. This stage is where I put all my frames into Divinci Resolve and match it all up to the beats of the song. I work out my timings, I figure out if I need to add/delete frames somewhere. The majority of the fiddly work happens here in terms of lining it all up to the music. All the frames look about as basic as this lmao the idea is Quick and To the point so i get can idea of what I'm working with. Very often I'll have figures in this draft stage where, as an example, I know I'll need to put players from the Flowers or the Dale from a certain point in time, but I haven't decided exactly who yet, so they're just vague humanoid blobs.

[Image ID: A very basic sketch with black lines on a white background, showing two figures facing away from the camera with loose lines showing the ground exploding in the distance. /end ID]

Stage 3 is Lineart, and this stage takes the longest because I'm actually doing the proper drawings for everything. I don't do colouring yet, because this stage takes so Long and I prefer to do my colouring all in one go so I can keep it consistent. it also allows me to catch any errors that I might make in my Lineart because I get to go over it again when I colour. This is where I make my final decisions on who all the extra characters are that show up that don't Really need to be there.

When it comes to deciding Who Gets To Appear in the Animatic, there are a few tiers.

Characters that NEED to be there for plot/emotional reasons (think like Nagomi Mcdaniel appearing in Alaynabella because Layna switched with her for the Shadows)

Characters that I want to put in there for theme reasons (think Luis Acevedo in Hall Stars, I included them as a cameo because they were later incinerated and the whole animatic was about incinerated players)

Characters that I like/my friends like (Esme and Howell making appearances at the start of Aequitas Aug)

Characters that are just easier to draw, depending on how many times I have to draw them and how tired I am at the time (when in doubt, I tend to default to humanoid characters with reasonably simple designs. If I'm like 400 frames in on Aequitas Aug and I have to choose between horse person Winnie Hess and regular human Eizabeth Guerra to help represent the Breath Mints getting got, I'm gonna go with Eizabeth even if Winnie is technically more iconic and recognisable.)

[Image ID: Lineart of a digital drawing showing Miguel James and Zack Sanders as humans, facing away from the camera and looking towards the ground exploding in the distance. Miguel is kneeling on the ground while Zack is standing. /end ID]

And so of course Stage 4 is Colour. I add in the colours, any lighting effects, all the extra fun bits.

My colouring is USUALLY pretty basic, to save time and effort. For colours that I tend to reuse a lot (typically sunbeams uniforms and the main colours for the various beams) I have them saved in my paint app so I can access them easily. For other players I've drawn before I usually have to bring up one of my previous drawings to reference the colours. Backgrounds are the bane of my existence and as thus are usually kept as simple as possible, and lighting is typically something I use sparingly. Basically, I take as many shortcuts as I possibly can to save my sanity.

[Image ID: The above picture but with basic colour. The background is a pale orange. There are some lighting effects on the explosion. /end ID]

And voila! Off to Youtube. Like I said above, I'm sure this isn't the quote unquote 'Best' way to do it. But it works for me, and doing it in these stages give me a fun little progress video to look back on when I'm slogging through the lineart stage.

It's definitely really tedious at times, and keeping up the motivation to do hundreds of frames three times in a row can be really difficult (especially with a full time job) but it's definitely sooooo exciting when I finally finish. I publish all the draft and lineart videos on youtube as well as unlisted videos, and its always fun to look back on them to see the difference between the draft and the final finished product.

Most of all though, it took me AGES to get to the point of animatic making where I am now. My very first animatics for Dimension 20 were SO different to what I do now, and I was very lucky for a while to have a lot of free time to focus on doing it a lot. My VERY first animatic wasn't even set to a song. It was from a Fantasy High clip, and i never got past the draft stage for it.

The other part of animatic making that I had to start taking really seriously was character design credit. For Quite a while, I did not include credits for designs of players that I did not create. It wasn't until Aequitas Aug (which had an OBSCENE number of players) that I realised what a massive oversight that was. Nowadays I have a big spreadsheet that lists every Blaseball player that has ever appeared in my animatics and the creator of the design that I used/riffed off of if I could narrow it down to one or two. For some players its trickier, often because their design was consistent over multiple artists or I couldn't be sure what the origin was, but I do my best to be as accurate as possible. If you're looking to make some blaseball animatics, I totally encourage you to do so, but I would advise getting on top of credits sooner rather than later! It's so much easier to add in new characters and their designers now as I find them rather than trying to backtrack and remember exactly which picture on the wiki I took inspiration from, along with it being a lot more respectful to all the other amazing artists in the fandom.

Overall, animatics are a lot of effort, but they're soooo worth it. If you have any more questions please feel free to ask me, I love to talk about my animatics and my process.

#ask #my art #animatics #long post #i hope this is helpful!!!#legitimately feel free to ask me more questions or send me a dm #i love to talk about myself and my work

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orbleglorb · 11 months

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parker & the Monitor

please!

"parker & the Monitor" has sort of become "parker & the Monitor & my headcanon for the patron deity of the Alaskan Immortals, although they aren't a team yet"

The cockroach scuttled to the edge of the pier and shook itself violently. It seemed to fold in on itself, like one of those fortune tellers that were popular at school, and on the other side was a woman. She had long white hair and seemed to be every age at once. She sat on the dock and looked down at Parker. "Who's this?" She asked. "Parker," Parker said. "Parker, are you currently considering dedicating yourself to a deity? You look rather young to do so," Eternia said playfully. "No," he replied. "Then why on Earth are you out here chewing him out, Toni?" Eternia asked, turning to the Monitor. "His mom's Aequitas Aug. You know the kinda shit she pulls. I'm savin' him some trouble here," the Monitor said. Eternia wrinkled her nose in disgust at the mention of Parker's mother's name. "Aequitas had a kid? I didn't know she had it in her to care for another living being." "She doesn't," Parker grumbled. Eternia chuckled. "Where do you live, Parker? Anywhere closeby?" "Why do you need to know?" "Because I truly cannot believe that Aequitas moved up here and I haven't heard a peep out of her."

"We just moved."

#blaseball (organizational)#asks 4 sasha #wip wednesday works #orble writing

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mastvideos · 7 years

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Since Betsy DeVos took over as Secretary, the Department of Education has been — to put it mildly — generous to the student loan industry. Through DeVos, the Trump administration has stopped cooperating with federal financial regulators to rein in unscrupulous loan servicers, and announced its plan to put all federal student loan accounts into the hands of a single company. But several states are letting it be known that they will not go easy on student lenders and servicers, even if they ask nicely. This morning, a coalition of 25 state attorneys general urged DeVos and the Department of Education to reject a recent campaign by student loan servicers and debt collectors calling for the government to stymie state oversight of the industry. In a letter [PDF], the coalition called on DeVos not to give into the efforts of two student loan servicing industry associations to relieve themselves from oversight by state regulators, claiming that the Dept. of Education lacks the authority to make such a declaration. The AGs note that preempting state laws would “defy the well-established role of states in protecting their residents from fraudulent and abusive practices, plainly exceed the scope of the Department’s lawful administrative authority, and would needlessly harm the students and borrowers at the core of the Department’s mission.” To that end, the Dept. “should reject the Industry Requests in full-and resume the long tradition of federal-state cooperation in protecting students and borrowers from unfair and deceptive practices,” the letter states. Looking For Fewer Rules The coalition’s plea comes just months after two industry groups called on the Dept. of Education to block or “preempt” state-led efforts to combat potential and ongoing abuses by student loan servicers. In a June letter [PDF] to DeVos, the Education Finance Council claimed it was concerned with the “growing tendency of state entities to seek to impose state-level laws and regulations” on student loan servicers contracted by the federal government. “If left unchecked, these state efforts will continue to add an unnecessary web of regulations which are both duplicative of and potentially contradictory to existing federal regulations and policies,” the group claims. To that end, it asked DeVos to publicly state that these agencies must follow the Department’s rules and regulations, and that these rules “hold preeminence in regulating the activities of contractors.” This sentiment was echoed in a July letter [PDF] to Acting Assistant Secretary for Postsecondary Education Kathleen Smith by the National Council of Higher Education Resources. The group urged the Dept. to issue the same “regulatory guidance,” claiming that it would be too difficult and costly to follow both federal guidelines and those implemented by states. What Does This Mean? Essentially, the groups are asking the Dept. to clearly state that federal laws are the only ones that a company who is contracted to provide federal student loan servicing must follow. This would mean that if a company services student loans on behalf of the federal government — i.e. the Dept. of Education — they wouldn’t have to follow state laws. Both associations contend that they are already “highly‐supervised and regulated, both by the Department and the Consumer Financial Protection Bureau.” However, it should be noted that since the letters were written, the Dept. of Education has taken steps to weaken the oversight of student loan servicers, namely in ending a relationship with the CFPB over such matters. In recent years several states have either enacted or proposed laws that dictate what constitutes a servicer, requires companies to obtain licenses to service education loans to borrowers residing in their state, and otherwise follow regulations intended to protect borrowers and weed out bad players. The Need For Laws While the associations claim state laws provide “additional regulatory burden” on them, states note that the rules have already helped borrowers. “State enforcement agencies have long been at the frontlines in protecting their citizens from fraud, deceptive conduct; and unfair business practices, including by financial service companies, debt collectors, and others,” the AGs wrote to DeVos. Recent state enforcement actions (this is not a complete list) include: • January 2017: The CFPB, along with Washington and Illinois, sued Navient claiming the company cheated borrowers out of repayment rights. • July 2017: New York Attorney General Eric Schneiderman’s office opened an inquiry into the business practices of National Collegiate Student Loan Trust following reports that the company often files collection lawsuits against defaulted borrowers without proper or correct paper. • Aug. 2017: Massachusetts Attorney General Maura Healey filed a lawsuit [PDF] accusing the Pennsylvania Higher Education Assistance Agency (PHEAA) — doing business as FedLoan Servicing — of harming borrowers by improperly servicing their accounts as part of the Public Service Loan Forgiveness Program and the Teacher Education Assistance for College and Higher Education (TEACH) Grant program. • Aug. 2017: A group of 13 state attorneys general and the CFPB reached a $183.3 million settlement with Aequitas Capital Management, the issuer of private student loans for now-defunct for-profit educator Corinthian Colleges. “We cannot allow student loan servicers to sidestep state law and oversight and deny students and borrowers these vital protections from student loan abuses,” New York Attorney General Eric Schneiderman said in a statement. The letter to DeVos was signed by the AG from California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Massachusetts, Maryland, Maine, Minnesota, Montana, New York, North Carolina, Oregon, Rhode Island, Tennessee, Texas, Virginia, Vermont, Washington, and the District of the Columbia. by Ashlee Kieler via Consumerist

http://www.bollywoodnews4free.tk/2017/10/25-states-urge-betsy-devos-to-not-let.html

#25 States Urge Betsy DeVos To Not Let Student Loan Companies Sidestep The Law <p>Since Betsy DeVos t

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