![]() The bureau also cited the credit reporting companies for accepting these findings without an independent investigation. TransUnion referred the most, 80% to 82%.ĭata furnishers - the providers of credit information, such as credit card companies and lenders - have been cited by the CFPB for conducting insufficient investigations. The subcommittee also found that the credit rating companies referred more than half of the disputes to data furnishers for investigation between 20. TransUnion also uses envelope-based criteria in its discard process. Equifax, for instance, tosses out mail that "tends to use identical language and format come from the same zip code."Įxperian accounts for "envelope characteristics" and "letter characteristics," including "same/similar ink color," and "same/similar font," when choosing which disputes to disregard. The companies' defense, says the subcommittee, is that disputes are discarded without investigation when they suspect a credit repair service is the one making the complaint.īut the subcommittee says each agency uses vague criteria to determine which disputes are submitted by an unauthorized third party. At least 13.8 million were thrown out between 20, the subcommittee found.ĭiscarding disputes violates the fair credit laws if any are submitted directly by consumers to authorized representatives. Yet according to evidence obtained by the subcommittee, the credit raters discard millions of disputes a year without investigation. Consumers disputed nearly 336 million items, including names, addresses or credit accounts, on their credit reports from 2019 through 2021, the subcommittee found. But data obtained by the subcommittee showed Equifax alone received nearly 14 million complaints in 2021.ĬFPB also received a "record-breaking" amount of complaints about the credit rating companies from 2020 through 2021, with more than 619,000 in 2021 alone. The CFPB estimated the combined number of dispute submissions among Equifax, Experian and TransUnion to be 8 million in 2011, according to the panel. Consumer fraud can also lead to faulty consumer credit reports.īut consumers have been disputing information found in their credit reports on a larger scale than previously known, the subcommittee found. ![]() Under the CARES act, paused loan payments were supposed to be reported as current, though some lenders may have incorrectly categorized them as late. The subcommittee partly credited the pause on student loan payments and an increase in pandemic-related identity theft to credit reporting errors. Experian corrected about 52% of the disputed late payments or other bad data and TransUnion fixed between 49% and 53% of disputed credit reports during this time, the subcommittee found. The subcommittee found that Equifax changed between 43% and 47% of the disputed items each year from 2019 through 2021. 13 letter that the majority of credit report disputes have not resulted in the correction or removal of reported errors from credit reports. 13 letter to Consumer Financial Protection Bureau Director Rohit Chopra.Ĭlyburn asked the chief executive officers of Equifax, Experian and TransUnion in May for information about the companies' responses to consumer complaints in the early days of the pandemic.ĬFPB reported then that 4.1% of complaints were resolved in 2021, compared with nearly 25% of complaints in 2019, before the pandemic.Ĭlyburn said in his Oct. "These data also raise concerns about whether the are fulfilling all of their obligations to consumers and to the Consumer Financial Protection Bureau (CFPB) under the Fair Credit Reporting Act (FCRA)," the South Carolina Democrat wrote in an Oct. Personal Loans for 670 Credit Score or Lower Personal Loans for 580 Credit Score or Lower Best Debt Consolidation Loans for Bad Credit
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Explore Tameson’s wide range of 2-way flanged 1-piece ball valves from various global manufacturers. ![]() “That may be one of the movie’s greatest achievements: it placed AI into the mainstream consciousness even before the first AI robot, Shakey, was completed in 1969,” writes Murphy, who is a professor at Texas A&M University. In an article published in the journal Science Robotics this week, US computer scientist and roboticist Robin Murphy argues that the film not only anticipated many advancements and challenges in robotics, but also had an impact on the public perception of artificial intelligence (AI). In many ways, 1968’s science fiction has now become 2018’s reality, with the film’s influence pervasive in the conceptualisation, design and application of various technologies. “I never considered 2001 as a strict prediction,” Clarke said later, “but as more of a vision, a way things could work.” Watch the movie closely and you’ll see flat screen computer monitors, touchscreen tablets, robotics used in space, and, of course, artificial intelligence. This close consulting not only created a sense of scientific accuracy, but also produced an array of visionary predictions about humankind’s future technologies, all based in real possibilities. Their solution was to hire astronomical artists, aerospace engineers and ex-NASA employees, who advised on spacecraft design, control panels, display systems, communication devices and more. While the film was being made, NASA was madly trying to put men on the moon, so Kubrick and Clarke knew that their sets and props had to outstrip the new technologies being spawned or else rapidly become outdated or incorrect. The movie has a distinctly philosophical streak that was missing from the sci-fi genre at the time, and this combined with realistic production design, visual effects, and an instantly iconic score to create a pioneering work of cinematic art.Ģ001 inspired new generations of sci-fi storytellers, from George Lucas to Steven Spielberg to Christopher Nolan, opening up the floodgates for blockbusters in the years to come.īut 2001 has also had a profound influence on science: it’s bursting with technology and ideas well ahead of their time. ![]() Clarke, 2001 follows astronauts as they investigate alien artefacts found on the moon. The brainchild of filmmaker Kubrick and sci-fi veteran Arthur C. This year marks half a century since it was first shown, and in that time the futuristic epic has not only rocked the film world but the science world as well. ![]() He discusses the slit scan technique he used in 2001.A year before humanity put a man on the moon, Stanley Kubrick released what some argue to be his ultimate masterpiece – 2001: A Space Odyssey. DOUGLAS TRUMBULL | Master Class | Higher Learningĭouglas Trumbull, the industry pioneer behind the special effects of 2001: A Space Odyssey, Close Encounters of the Third Kind, and Blade Runner joins post-secondary students and faculty to discuss his remarkable career in visual effects and his own directorial projects. If you want to go deeper down the rabbit hole on this technique head over to Filmmaker IQ. The good folks over at Filmmaker IQ created an amazing explanation of the mysterious and forgotten camera technique used in the sequence called Slit Scan. ![]() This effect was created in a time with no computers or visual effects as we know them today. Once eye-opening visual effect created for the film was the “Stargate” sequence in the film. His masterpiece 2001: A Space Odyssey will be studied for decades to come. Anyone who has ever heard an episode of the IFH podcast or comes to this site knows what a HUGE fan I am of the legendary master Stanley Kubrick. ![]() ![]() To learn more about how and for what purposes Amazon uses personal information (such as Amazon Store order history), please visit our Privacy Notice. You can change your choices at any time by visiting Cookie Preferences, as described in the Cookie Notice. Click ‘Customise Cookies’ to decline these cookies, make more detailed choices, or learn more. 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How you can correct any inaccuracies in the information.The security procedures in place to protect the misuse of your information.What choices are available to you regarding the use of your data.What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.Should I Transfer my Family Home to my Child?ġ Decedent is the legal term for a person who has died.This privacy policy discloses the privacy practices for This privacy policy applies solely to information collected by this web site. Making Medical Choices – Lessons from the Schiavo Case Related estate planning and estate administration articles: If you desire more information on this topic, please email a Pennsylvania estate planning lawyer now or phone us at 72 in Greensburg or toll free at 88.įor more information please visit our Wills, Estate Planning, Estate Administration and Probate Information page. We are here to assist you at that time and hope that you will consult with us so as to insure a timely tax filing and tax payment that has not only considered the appropriate valuation of the assets, but also taken advantage of all of the expenses and deductions that the department permits. This article merely scratches the surface concerning the proper filing and payment of Pennsylvania inheritance tax. If payment is made within 90 days of the date of death, the department discounts the amount by 5%. If it is not paid within that period of time, the Pennsylvania Department of Revenue may assess penalties and interest. In Pennsylvania, the inheritance tax must be paid within nine months of the time of the decedent’s death. However, if that account was established using only the decedent’s funds, and the decedent dies within one year, then the whole value of the account is taxed, not just a portion of it. For example, where a decedent owns a bank account which is titled in the decedent’s name and, let us say, two of his children’s names, the decedent’s one-third interest would be taxed at a rate of 4.5%. Sometimes, jointly held property is ignored for tax purposes at the time of death. Further, an IRA account held in the decedent’s name, if the decedent had not reached the age of 59 ½, is also exempt. As an example, life insurance proceeds which are paid directly to a beneficiary or are paid to the estate of the decedent are exempt. Many people do not realize that there are certain types of assets that are exempt from inheritance tax. Property passing to other individuals would be taxed in Pennsylvania at a rate of 15%. If property would be passing to a brother or sister, the tax rate would be 12%. Once the net value has been calculated, the Pennsylvania inheritance tax, as it pertains to children, is 4.5% of that net value. These expenses typically include the cost of the funeral, the debts of the decedent (including mortgage loans, credit cards, home equity loans, etc.), bills and expenses incurred as the result of a last illness, all fees that are paid to the Register of Wills Office, legal fees for processing the estate, and miscellaneous expenses and fees. Further, the internet can be very helpful to value stocks and/or vehicles.įrom the value of these resources, we are permitted to deduct certain expenses to arrive at a net valuation for the estate. With bank accounts and the like, date of death values are obtained from the financial institution. ![]() With real estate , the value is often arrived at by having an appraisal performed. The value of these assets must be ascertained as of the date of death. For instance, if a widow dies owning real estate in her own name, a checking account, a certificate of deposit, an automobile, some stocks and/or bonds, all of those items are taxable, as they would transfer to her beneficiaries, let us presume, her children. Pennsylvania inheritance tax is assessed on virtually all property owned by the decedent 1 himself or with others at the time of death. That was true only until 1994 - it has now been abolished. One common misconception is that spouses have to pay inheritance tax on property that they obtain from their deceased mate. The Pennsylvania inheritance tax is a tax on property at the time of someone’s death and is imposed upon the transfer of that property. Frequently, in our practice, we are confronted with many misconceptions concerning Pennsylvania inheritance tax. ![]() Syntax to locate files of a specific extension using find command is: $ find -name ‘ *.’įor example, to locate all JPG files recursively in the current folder: $ find. We will make use of the find command to recursively locate files with a specific file extension and then pass this output to cp command to copy them. To achieve this, we use the find command, which is simply used to search for files and folders in Linux based on the parameters of the file or folder: filename, extension, size, etc. Whenever '-r' is specified, the program always considers all files in the subfolders for copying. ![]() However, there is no way within ‘cp’ to copy files of a specific extension recursively. $ cp -r folder1/ folder2/ file1 file2 target_folder/ Recursive means that all the files in that folder, the files in the subfolders, and so on, will all be copied. To copy folders, we have to specify the '-r' ( recursive) flag. If you try to copy folders in the above format, it throws a warning that the folder is ‘ Not empty‘. Note that this can only be used for files. This will copy all the JPEG images, MP3, and MP4 multimedia files to the folder ‘ media‘. mp4) together using wildcard characters, as shown below: $ cp *.jpg *.mp4 *.mp3 media/ You can even copy files of the same file extension (Eg.txt. The most basic use of the cp command is to specify the files to be copied as the arguments and to specify the target folder as the last argument. It is available by default in Linux as part of the GNU Coreutils set of tools. In Linux, the command ‘ cp‘, which standards for ‘ Copy‘ is used to copy files and folders to another folder. Our guests appeared, frustratingly unaffected by the evening’s frivolities and sat down with great spirits ready for their porridge. I managed to bounce my way into the shower room to begin my ablutions, enduring a very treacherous lean-to showering experience - me leaning - before withering downstairs to stand, motionless, staring into the middle distance. The room wasn’t swinging which was key to the retention of my insides, but my head was throbbing and I felt utterly drained of life. I sat up slowly and immediately lay down again. But when the 7am alarm went off in the following morning, it was with a groaning start I realised just how miserable my day was going to be. The quantities of water that would on any other night keep me awake shuffling noisily to the toilet to dehydrate, didn’t happen such was the bodily shutdown that followed our educational session. They were both opened and both enjoyed before the time was suddenly realised and we all headed to bed, mostly in angular trajectories. Why not - there wasn’t a Campbeltown on the table either, and if we’re going into that region we should start with the elusive yet lauded 10 year old, right? Right. Oh and while I’m at it, I’ll bring this Springbank with me too. “Well, let’s get that cracked open”, for there’s not a world whisky on the table just yet. Then I remembered there was a bottle of Nikka, a world whisky no less, sitting unopened in the cupboard from Christmas - a gift from my girls. “Got to stay hydrated - rule number one”, auld Doog said. Flagons of water were delivered between each glass and we were gulping it down at a rate of 10 parts to 1. Oh, the fun we had and the newbies were really enjoying the process, moving from glass to glass and discovering whisky with wide eyes and affirmative noises. Then on to some smokers: Ardbeg 10 and the Wee Beastie. I said it quite a lot this fateful evening, moving from those 46% malts into some of Alistair Walker’s Infrequent Flyers range, which are all very high ABV whiskies. Unfortunately for me there’s a saying in whisky I’ve learned during my short time as a whisky exciter, and it’s: “Well, if you liked that, then…” and is usually accompanied with a quick walk over to the whisky collection to grab another bottle. ![]() I kicked off my “educational tour” with some integrity malts: Arran 10, Lindores MCDXCIV and Lochlea First Edition, all great whiskies to show very efficiently what whisky can offer to those unfamiliar with its greatness. Even though it started great, it certainly didn’t end well, but the audience for the evening did become newly cast whisky exciters so for that I can be proud. We started with a bottle of wine with our meal (between three of us), and then quickly lurched over to whisky. Don’t ask me why - maybe Tyree has some scientific insight he can bestow upon us. ![]() ![]() For some unknown reason drinking beer/grain spirits before wine, well, that’s fine. There’s an old adage that goes something like: “Wine before beer means ‘oh dear`”, and despite not adhering to this principle for the simple reason I don’t drink beer, the saying extends to grape and grain too. ![]() It was only as recently as in the last 50 or so years where parcel tracking has been available, with international parcel tracking even more recent. Why has international tracking become so important?Īrguably, being able to have international package tracking on orders has always been important, but there has not always been the ability to do so. If the parcel does not go directly from China to the US by plane, it may be handled by another carrier along its journey, such as by GEODIS or DHL in Europe, before finally being handed over to a last-leg courier in the US, which will usually be FedEx or UPS or even USPS. Firstly, Chinese first-leg logistics and forwarding companies will likely be involved in the pick-up and/or initial dispatch of the product, such as companies like Cainiao, 4PX, or even via China Post EMS. This is because in most cases, global shipping involves multiple handlers in the journey of a package.įor example, if a buyer in the USA was to order a product from a Chinese marketplace, such as BangGood, it will most likely be handled by a number of different couriers along its journey to the US-based buyer. ![]() Any registered parcel or package which is being sent from one destination to another will have tracking capability, and third-party tracking companies - such as Ship24 - are emerging as the best option for international tracking solutions for both individuals and businesses. International tracking can be done by buyers and sellers and it covers businesses to businesses or business to consumer sales. ![]() International tracking in shipping involves international parcel tracking or international package tracking of goods worldwide. ![]() ![]() A large part of the role of the deckhand involves always keeping the exterior areas of the yacht pristine. Primary duties: Deckhands help to run the yacht, which may include hospitality, managing supplies, operating machinery, fishing, general maintenance and communications. National average salary: $60,973 per year Related: 12 Good Customer Service Examples 4. Customer service skills are important since they often spend considerable time interacting with guests during outdoor activities. First mates usually begin their careers as deckhands and have substantial work experience. Looking after deck operations can include maintaining equipment, deck maintenance, storage and monitoring deck supplies. Primary duties: The first mate manages the deckhands and maintains all exterior areas of the yacht. Some key responsibilities may include arranging regular safety drills, maintaining a deck inventory of equipment according to a set budget and managing the deck crew. They take over control from the captain when necessary and share duties according to the captain's instructions. Primary duties: The first or chief officer is second in charge of the yacht, and they assist the captain with navigation, safety and administrative responsibilities. National average salary: $82,562 per year Yacht captains are also responsible for achieving yacht owners' objectives, answering all queries about their decisions, managing budgets and complying with legal and regulatory requirements. In addition to navigating, they typically act as an ambassador for the yacht and host for guests. The captain is generally responsible for recruiting and managing crew members. Primary duties: Yacht captains or masters primarily oversee the safe operation of a yacht, including navigation. Salaries may vary depending on the hiring organisation and a candidate's experience, academic background and location. Salary figures reflect data listed on Indeed Salaries at time of writing. National average salary: $171,782 per year It may also provide an excellent opportunity to visit different destinations worldwide. Although working on a yacht can be demanding, it can be a great career choice if you love boats, the ocean and meeting new people. ![]() There's a range of different types of jobs on yachts, all requiring varying levels of experience and training. |
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