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The savings and loan crisis of the 1980s and 1990s was one of the most devastating financial scandals in the United States. At its core, it was an inside job – a systematic looting of the assets of America’s savings and loans (S&Ls) by bank officers, directors, and their associates. This fraud cost taxpayers over $150 billion and resulted in the failure of over 750 S&Ls. The S&L crisis began in the early 1980s, when deregulation of the banking industry enabled S&Ls to offer higher interest rates on deposits and make riskier investments. Unfortunately, many of these investments failed, and the S&Ls soon began to lose money. To cover the losses, S&L owners and officers began to engage in fraudulent activities, such as insider trading, loan-sharking, and embezzlement. At the same time, some S&Ls were being looted through what became known as the "thrift scam." In this scam, S&L officers and directors used the S&Ls' funds to invest in non-traditional and high-risk investments, such as real estate and junk bonds. They also made large, unsecured loans to firms they owned or controlled. These investments often failed, leaving the S&Ls with huge losses. The S&L crisis also led to the formation of the Resolution Trust Corporation (RTC). The RTC was created in 1989 to take over and liquidate the assets of failed S&Ls. The RTC recovered billions of dollars, but it was too late for many S&Ls. Hundreds of S&Ls had already gone bankrupt, and the cost to taxpayers was estimated at over $150 billion. The S&L crisis was a devastating example of what can happen when banking regulations are not enforced. It was also a reminder of the need to monitor the activities of banking officers and directors, especially when they are engaging in risky investments. The S&L crisis also led to increased banking regulation and oversight, which has helped to prevent similar scandals in the future.
Call Jobcentre Plus if you're not sure whether you need to report a change. You may be prosecuted or have to pay a £50 penalty if you give wrong or incomplete. Contact telephone numbers for claiming Employment and Support Allowance (ESA), contacting the Department for Work and Pensions (DWP) or Northern Ireland ESA.
Call Jobcentre Plus if you're not sure whether you need to report a change. You may be prosecuted or have to pay a £50 penalty if you give wrong or incomplete. Contact telephone numbers for claiming Employment and Support Allowance (ESA), contacting the Department for Work and Pensions (DWP) or Northern Ireland ESA.
When filling out a job application, one of the most common questions asked is about your last wage earned. Many applicants tend to overlook the significance of this question, but it can have a significant impact on the hiring process. Employers ask this question to understand your salary expectations, determine your worth in the job market, and evaluate your experience level. This article will shed light on the importance of the last wage earned on job applications and how to answer it appropriately. Understanding the Significance of Last Wage The last wage earned question is crucial for both the employer and the employee. Here's why: Employer Perspective: 1. Salary Expectations: Employers ask this question to understand your salary expectations. If your last wage was high, the employer might expect you to have higher expectations. On the other hand, if your last wage was low, the employer might assume that you are willing to work for a lower salary. 2. Experience Level: Your last wage can also indicate your experience level. If you earned a high salary in your previous job, the employer might assume that you have extensive experience in the industry. 3. Market Value: Employers use your last wage to determine your worth in the job market. If your last wage was high, the employer might assume that you have a high market value and are a valuable asset to the company. Employee Perspective: 1. Negotiation: The last wage earned question can help you negotiate a higher salary. If your last wage was high, you can use it to your advantage to negotiate a better salary. 2. Market Value: Your last wage can also help you determine your worth in the job market. If your last wage was low, you might need to consider improving your skills or gaining more experience to increase your market value. 3. Industry Standards: The last wage question can also help you understand industry standards. If your last wage was significantly lower than the industry standard, you might need to reconsider your career choices or negotiate a higher salary. How to Answer the Last Wage Question When answering the last wage question, it's essential to be honest and accurate. Here are some tips on how to answer this question: 1. Provide the Exact Amount: Don't round up or down your last wage. Provide the exact amount you earned. 2. Be Honest: Don't inflate your last wage to impress the employer. Be honest and accurate. 3. Provide Additional Information: If your last wage doesn't reflect your experience or skills, provide additional information to justify your worth. 4. Consider the Industry Standards: If your last wage was significantly lower than the industry standards, consider explaining the reasons for the pay gap. 5. Don't Be Afraid to Negotiate: If your last wage was low, don't be afraid to negotiate a higher salary. Use your skills and experience to justify a better salary. Conclusion The last wage earned question is an important part of the job application process. Employers use this question to understand your salary expectations, experience level, and market value. As an applicant, it's essential to answer this question truthfully and accurately. Don't be afraid to negotiate a higher salary if your last wage doesn't reflect your worth. Remember, the last wage earned question can have a significant impact on your hiring process, so take it seriously.
Employment and Support Allowance Centre. Text-phone number: 08(for deaf or hard of hearing users and customers with speech difficulties). ESA will never call you from the number This is the number for the ESA Centre and it is only used for inbound calls to ESA. If you receive a call.
As a nursing student in Canada, you are probably excited about the many job opportunities that await you after graduation. With the healthcare industry experiencing a shortage of healthcare professionals, you can be assured that your skills and expertise will be in high demand. However, finding the right job can be a daunting task. In this article, we will explore the various job opportunities available to nursing students in Canada. 1. Registered Nurse (RN) One of the most common job opportunities for nursing students in Canada is the role of a registered nurse (RN). RNs have a wide range of responsibilities, including providing patient care, administering medication, and assisting physicians. They work in various healthcare settings, including hospitals, clinics, and long-term care facilities. The average salary for an RN in Canada is around $75,000 per year. 2. Licensed Practical Nurse (LPN) Licensed practical nurses (LPNs) work under the supervision of an RN or physician and are responsible for providing basic patient care. This includes administering medication, monitoring vital signs, and assisting with activities of daily living. LPNs typically work in long-term care facilities, clinics, and community health centers. The average salary for an LPN in Canada is around $50,000 per year. 3. Nurse Practitioner (NP) Nurse practitioners (NPs) are advanced practice nurses who have completed additional education and training beyond the RN level. They can diagnose and treat illnesses, prescribe medication, and perform certain medical procedures. NPs can work in various healthcare settings, including hospitals, clinics, and private practices. The average salary for an NP in Canada is around $95,000 per year. 4. Clinical Nurse Specialist (CNS) Clinical nurse specialists (CNSs) are highly specialized nurses who have completed additional education and training in a specific area of healthcare. They work with patients, families, and other healthcare professionals to provide specialized care and improve patient outcomes. CNSs typically work in hospitals, clinics, and private practices. The average salary for a CNS in Canada is around $85,000 per year. 5. Nurse Educator Nurse educators are responsible for teaching and training future nurses. They work in various educational settings, including colleges, universities, and technical schools. Nurse educators develop curricula, teach courses, and supervise clinical experiences. The average salary for a nurse educator in Canada is around $75,000 per year. 6. Public Health Nurse Public health nurses work in community health settings to promote health and prevent disease. They assess health needs, develop health education programs, and provide immunizations and other health services. Public health nurses typically work for government agencies, non-profit organizations, and community health centers. The average salary for a public health nurse in Canada is around $65,000 per year. 7. Occupational Health Nurse Occupational health nurses work in industrial and occupational settings to promote safe working conditions and prevent workplace injuries and illnesses. They assess workplace hazards, develop health and safety programs, and provide education and training to employees. Occupational health nurses typically work for government agencies, corporations, and industrial settings. The average salary for an occupational health nurse in Canada is around $80,000 per year. 8. Travel Nurse Travel nurses work on short-term contracts in various healthcare settings across Canada and around the world. They provide temporary staffing solutions for hospitals, clinics, and other healthcare facilities. Travel nurses typically work for staffing agencies and can earn higher salaries than permanent staff nurses. The average salary for a travel nurse in Canada is around $80,000 per year. 9. Nurse Researcher Nurse researchers conduct research studies on various aspects of healthcare to improve patient outcomes and advance the nursing profession. They work in academic and research settings, including universities, hospitals, and research institutes. Nurse researchers can also work for government agencies and non-profit organizations. The average salary for a nurse researcher in Canada is around $85,000 per year. 10. Nurse Manager Nurse managers are responsible for overseeing the daily operations of a healthcare unit or department. They manage staffing, budgeting, and resource allocation to ensure high-quality patient care. Nurse managers typically work in hospitals, clinics, and long-term care facilities. The average salary for a nurse manager in Canada is around $90,000 per year. In conclusion, nursing students in Canada have a wide range of job opportunities available to them. From registered nurses to nurse managers, there are many career paths to choose from. By exploring these job opportunities, you can find the right fit for your skills and interests. Good luck!
How to claim new style ESA. You can claim by calling 08(choose option 3, then option 2) or Textphone This line is open Monday to. Employment and Support Allowance (ESA) is a United Kingdom welfare payment for adults younger than the State Pension age who are having difficulty finding.
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