Despite the banking industry’s overall improvement

New capital rules require U.S. banks to fatten their wallets



Banks are going to have to hold more capital as a cushion against losses, under new rules adopted today by the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency. The Federal Reserve Board, which developed the rules jointly with the other banking regulators,Fremont ralphlaurenhoody team sprint training. approved them last week.



The new capital rules, intended to make the banking system more resilient and less vulnerable to a catastrophic collapse, will bring the United States in line with international capital standards known as “Basel III” (so called because they’re the third iteration of rules adopted by the Basel Committee on Bank Supervision).



The agencies estimate that nearly 90% of smaller banks (those with less than $10 billion in total assets) and almost 95% of larger banks (those with more than $10 billion in assets) already meet the new rules. Indeed, they come at a time when the U.S. banking system is, by some measures, healthier than it’s been in years — though the slowly improving economy is only one reason.



Another is that most if not all of the weakest banks have been purged from the system, either through open-market mergers or by FDIC seizures. Bank failures have fallen dramatically from the dark days of 2009 and 2010; there were 16 in the first half of this year, down from 31 in the first half of 2012.



In addition, banks have raised billions in new capital, either on their own or because regulators leaned on them to do so. And they generally have stricter lending standards than they did before the crisis, though according to the Fed’s quarterly survey of senior loan officers they’ve eased up some in recent years. The net result: capital ratios that are well above their pre-crisis levels.Here you can take your pick from a wide selection of stunning heelshoes .The latest trends and best brands in discountskirts, sandals, boots, and more. The chart below shows one key metric, the “Tier 1 risk-based capital ratio,” as an average for banks in different size ranges.



The rules impose a new requirement on banks to hold “common equity Tier 1 capital” — mostly money paid in by common stockholders plus retained earnings — equal to 4.5% of their assets, with the latter weighted by their risk of default. Banks also will have to hold an additional 2.5% as a “capital conservation buffer” — essentially as a first line of defense for periods of financial stress — or face restrictions on paying out dividends to shareholders and bonuses to executives. Other regulatory capital ratios will be raised.



Despite the banking industry’s overall improvement,welcome to our new store castellicycling. many bankers had argued against the new capital requirements, saying they could make loans costlier or harder to come by, especially for small businesses, and cut into job growth. Some also said the cost of complying with the rules could force even more smaller, rural banks to merge.



An Eastgate Drive resident told police a 24-foot fiberglass extension ladder that he left bolted to the top of his truck was stolen on June 25. The man told Officer Jacob Elderkin he didn’t notice that the ladder was missing until he came home on June 26. He said he then reviewed the surveillance video and it showed two men arriving at the house around 11:15 p.m. the night before and start working at undoing the bolt that held the ladder onto the truck. He said they finally got it free around 11:30 and carried it away. Elderkin said he reviewed the video himself and noticed that it was very grainy and no identifiable facial hair or clothing could be seen on it but it appeared that one had a hat on and the other had dark hair. He said they took a look around the area. Elderkin said there was no vehicle used in the theft and they believed the thieves put the ladder in some nearby woods to conceal it until they had a vehicle to take it away with [which would be less noticeable than walking down the street carrying a ladder]. No other witnesses or suspects.



Officer Jason Brodeur reported he was dispatched to Kingdom Hall of Jehovah’s Witnesses on Long Street around 3:45 p.m. to take a report of a malicious damage complaint. A manger at the hall told him they arrived at the hall and found tire tracks on their front lawn. They showed him surveillance video that showed two females in a red Chrysler Sebring on the lawn but it was not clear enough to identify the women or read the plate number on the car.Perfect winter and summer suprashoesforgirls to suit every style and occasion. The manager requested that police check the area more frequently. There were no other witnesses.



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Deputy Minister of Justice and Constitutional Development

Sexwale and Pule booted as Zuma reshuffles Cabinet



HUMAN Settlements Minister Tokyo Sexwale and embattled Communications Minister Dina Pule received the boot on Tuesday as President Jacob Zuma reshuffled his Cabinet for the fourth time in his first five-year term,For those inquiring, I did not buy the affordableoneshoulderweddingdresses. set to conclude next April.



Dispensing with the dead wood in his Cabinet has become a hallmark of the Zuma presidency, despite his detractors criticising him for being soft on slackers.



Speaking in Pretoria, Mr Zuma made the following appointments:



Minister of Co-operative Governance and Traditional Affairs: Lechesa Tsenoli, former deputy minister for rural development and land reform, to replace Richard Baloyi.



Minister of Human Settlements: Connie September,You'll be the queen of the room in this ssuniform evening gown. African National Congress (ANC) MP, to replace Mr Sexwale.Wholesale ledlamp, gucci leather handbags purses offsale.



Minister of Communications: Yunus Carrim,We provide you the most beautiful gowns,such as cheap 100%Silk Dresses and germanww2uniforms and so on. former deputy minister of co-operative governance and traditional affairs, to replace Ms Pule.



Minister of Energy: Ben Martins, former minister of transport, to replace Dipuo Peters.



Minister of Transport: Ms Peters to replace Mr Martins.



Deputy Minister of Justice and Constitutional Development: John Jeffery, ANC MP,Shop the Latest menhoodies. to replace Andries Nel.



Deputy Minister of Science and Technology: Michael Masutha, ANC MP, to fill vacancy.



Deputy Minister of Rural Development and Land Reform: Pamela Tshwete, ANC MP, to replace Mr Tsenoli.



Deputy Minister of Co-operative Governance and Traditional Affairs: Mr Nel, to replace Mr Carrim.



Mr Zuma did not take any questions from reporters after making the announcement.



The president’s first Cabinet reshuffle was in October 2010, just more than a year after taking office, his second in October 2011 and his third in June last year. Tuesday’s overhaul marks his fourth, about 10 months before South Africa’s fifth democratic general election.



Mr Sexwale had backed former ANC deputy president Kgalema Motlanthe in the party’s elective race in Mangaung last year.



Ms Pule has long had a cloud of allegations of corruption hanging over her — including that her boyfriend received access to funds raised for the inaugural Information and Communications Technology Indaba held in June last year. He allegedly used the money to buy her Christian Louboutin shoes.



Meanwhile, the mystery surrounding Mr Zuma’s failure to appoint a prosecutions chief has deepened with the news that the Presidency will contest a court action designed to force him to act.



The Council for the Advancement of the South African Constitution has launched court action to compel Mr Zuma to fill the post in which Nomgcobo Jiba has been serving in an acting capacity for nine months.



The post of national director of public prosecutions has been vacant since the Democratic Alliance successfully challenged the rationality of Mr Zuma’s appointment of Menzi Simelane and he was forced to leave office.



Holyrood Palace nestles beneath the crags by Arthur's Seat at the foot of the Royal Mile. Steeped in history and romance, this beautiful baroque edifice has been the principal home of the kings and queens of Scotland since the sixteenth century. Explore the Throne Room and the Great Gallery, adorned with portraits of the real and mythological rulers of the Scots and enter the state apartments of Queen Elizabeth II and the bedchamber of the ill-fated Mary Queen of Scots. You can even tour the ruins of Holyrood Abbey, built in 1128 by King David I of Scotland. Then take a leisurely stroll up the quaint Royal Mile through the heart of Edinburgh's Old Town to enjoy a romantic dinner in the sumptuous decadence of the Witchery, located right beside Edinburgh Castle.



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That recruiter also noted other issues with the schools

Eye of the Needle helps Waterloo students have school uniforms



Eye of the Needle in Waterloo offers free service to families along the poverty line by supplying them with things like clothing, food and household items. One mission of the store is to help families with kids in Waterloo Public Schools have uniforms.



Patricia King with Eye of the Needle said the store has been serving families for three years now. Since Waterloo Public Schools switched to uniforms, they've been in higher demand during the summer before students return to school.



The uniform consists of khaki pants and a polo shirt. King said most families have more than one child, and with a bigger family comes a higher demand.



"If you get a family, four or five kids come in, say one's got seven kids, one's got eight, one's got nine, then we had one time they had 13 kids,The etareplicawatch is made longer to protect thighs from extreme cold and completed with 625 fill power white duck down insulation. and you have to give each one of those kids uniforms," King said.



On average, Eye of the Needle gives about 800 school uniforms a year.



King said poverty levels are roughly $35,000 for an individual, $38,000 for a family of two and $41,000 for a family of three. Along with students, King said a large number of adults come through the doors in need of clothing.



"There are adults who come into us and they get a job well they don't have anything to wear so they come to us, 211 United Way refers a lot of people to us from other places," King said.Our Michael Kors handbags outlet supply cheap designer and new bossbelt for you.



Eye of the Needle also takes food donations and household items, like laundry detergent and cleaning supplies. King also said baby items are in high demand right now, as people come in asking about baby carriers and clothes for small children.



The store relies heavily on donations, but it also receives grant money each year.Search our wedding photo gallery for thousands of the best asymmetricnecklinedress pictures. Between Community Development and Community Foundation, Eye of the Needle received $17,500 this year in grants.



Lawmakers, who are also military veterans were angered Tuesday when a host of their colleagues switched votes on a bill that would have required public schools to give recruiters in uniform access to school grounds.



According to the Maine Department of Education, a handful of schools in Maine have disallowed military recruiters to wear uniforms while visiting students, but those opposed to the legislation said no evidence of recruiters in uniform being barred exists.



Republican Gov. Paul LePage’s administration introduced the bill.Custom made mandarindress?



Republicans who supported the bill, LD 1503, noted 20 Democrats who voted for the measure on June 4, switched and voted against it Tuesday.



The measure received 97 votes but needed 101 to be enacted as a mandate. The state Senate later passed the bill 33-0. The bill may still come back to the House again Tuesday for another vote.



Rep. Peggy Rotundo, D-Lewiston, also a former member of the Lewiston School Committee, said she voted against the bill because it was unnecessary and there wasn’t a problem with uniformed recruiters gaining access to Maine schools.



“It felt like an unnecessary law to me,” Rotundo said. “We already allow for military recruiters in our schools.”



But Rotundo voted for the bill on June 4 joining 114 other House members who supported it. She changed her vote Tuesday to vote against it, according to legislative voting records.



Rep. Nathan Libby,Gucci handbags prides itself in always maintaining a design edge along with guccihandbags0 on sale from cheap Gucci handbags outlet. D-Lewiston, voted against the bill as well but had done so consistently. Libby said there was no evidence that recruiters were being kept out of schools despite concerns from some recruiters in Maine.



“I am more inclined to believe our local superintendents than a military recruiter,” Libby said.



The issue first came to the attention of lawmakers from Maine Department of Education Commissioner Stephen Bowen, who told legislators he had been contacted by a recruiter who said there were a handful of schools that disallowed uniformed reporters.



That recruiter also noted other issues with the schools that made it difficult for recruiters to gain access to students considering post-secondary school options.



Rep. Corey Wilson, R-Augusta, a Marine Corps veteran, said he was shocked by the vote switching Tuesday.



“I think it’s a slap in the face to the military in general,” Wilson said. “It’s wrong to say to a military recruiter, ‘Thank you for your service but leave your uniform at the door when you come into one of our schools.’”



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Due to my performance schedule

‘Rock of Ages’ star Kevin Hegman



Editor’s Note: While Robin Leach is in London before his traditional summer vacation under the Tuscan sun in Italy — plus, the Amalfi Coast this year — many of our Strip personalities have stepped forward in his absence to pen their own words of wisdom. We continue with actor and rocker Kevin Hegman, who stars in the crowd-pleasing hit musical “Rock of Ages” at The Venetian.



By Kevin Hegman



As a member of Las Vegas’ best party, “Rock of Ages,” people often want to know where to pregame for the show and the best places to keep the party rolling afterward.



However, being in a rock musical is very different from being a rock star; I’m not often able to indulge in Vegas’ bar scene. In order to selflessly answer this question, I scoured the Strip for the hottest bars to get in the mood for the 1980s mind trip that awaits the audience.



Due to my performance schedule, I visited these establishments over the span of a week; however, I recommend you hit up all of them on the same day, or pick your favorites. That being said, this author claims no responsibility for lost sobriety or empty wallets.



If you follow the party in the order listed below, you will work your way down the Strip toward The Venetian, the home of “Rock of Ages.”



First on the list, PBR Rock Bar & Grill at Planet Hollywood. Located directly on the Strip, Rock Bar offers outside seating as well as a deep bar and restaurant inside. With a little something for everyone, Rock Bar plays Top 40 hits and serves a menu filled with more comfort food than you could ever want. The restaurant/bar has an almost entirely female staff, and ladies drink for free on Thursdays.



Happy Hour begins at 3 p.m., which includes several drink specials, making this the best place to start your party. If you decide to return after “Rock of Ages,” the DJ will start spinning at 11 p.m., at which time Rock Bar becomes the Strip’s ultimate no dress code nightclub.



Our next stop is Senor Frogs down the street at Treasure Island. You can’t miss its bold exterior, which is equally rivaled by its exciting decor. This is a great place to chow down before the show. Senor Frogs offers several specialty drinks and 2-for-1 yard-sized drinks with coupon.Long history specializing in fake luxury hermesbirkin.



Purchase of only one yard drink is enough to fuel your battery for hours,One of the most popular ones are fake watches, fitchshirt illegally produced copies of authentic Rolex watches. so bring a friend. The best part? If you sit outside during dinnertime,How to make sure your alineweddingdresses. you’ll have a prime seat for The Sirens of T.I., the free outdoor show located at the entrance.



After you’ve finished,Stay up to date on the latest team rider and laceweddingveils releases. head to The Venetian where Rockhouse provides the perfect place to wrap up the “Rock of Ages” pregame experience. Complete with all of the necessary drinking games, Rockhouse boasts 2-for-1 domestic and well drinks during Happy Hour, and $50 gets you an open bar bracelet good all day.



So once it’s time to stumble downstairs for the show, you can return to keep the party going all night long. My recommendation? Rockhouse sells (nearly) life-sized neon guitars with neck strap that you can fill with your choice of booze.



After a performance of “Rock of Ages,” you can always find a crowd herding to The Bourbon Room for a free shot. Marvelless Mark, the Bourbon’s host, gets the crowd wild with his shocking humor and illuminated ’80s getup. This is no Top 40 joint; only hair bands allowed.



Upon entering, you will find the walls are plastered with large TV screens playing classic ’80s music videos from the golden days of MTV. Cast members from “Rock of Ages” often show up, so if you liked what you saw, stick around and you might meet your favorite member of the cast.



The best place to finish your debauchery-filled drinking experience is at Carnaval Court located Strip side at Harrah’s.Work a crowd in this evening gown from germanuniforms. The good news? There is usually no cover, and the drinks are strong. Join the fun as you enjoy an outdoor performance by a live band or DJ, and watch as the world’s best flair bartenders perform astounding tricks while preparing a cocktail.



Now that your experience has come to an end, a cab ride home is probably a sure bet. If you paced yourself, tomorrow you will remember the day you lived like a rock star at “Rock of Ages.”



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There is no way a company as small as ours could fund this event

Atheton estate agent targeted by armed robbers



TERRIFIED employees have spoken of their fear after an estate agent was targeted by armed robbers.



Three criminals wielding weapons barged into Bookendale Sales and Lettings in Bag Lane, Atherton, on Friday morning at around 9.30am.



The men, who were caught on CCTV, brandished a wheel wrench, a machete and a kitchen knife.



They made threats for money and insisted on gaining access to the safe but left only with three employees’ handbags and a men’s wallet.



The staff, four women and two men, have been left frightened and confused as to why they have been targeted as they do not ever deal with cash.



A 33-year-old woman,It has a sexy canadagoosewhistlerparka with short sleeves. who works at the business, said: “They just came running in saying “where’s the money”.



All three had balaclavas, black tracksuits and gloves. They made us open the safe and it was empty because we don’t keep any cash. They made us get on the floor. They just kept saying “shut up,2013 Collection germanarmyuniforms 1672 Styles. do what you are told and nobody will get hurt”. It was terrifying, it was scary.”



The incident is thought to have been over within minutes.



No staff were injured but were left shaken. A quick-thinking passer by alerted police. It is believed they left in a Ford Fiesta which was later found abandoned in Carr Bank Street,Discover suits with ASOS. Atherton.



A woman, who works at the business but was out of the office at the time, said: “I want people to know that there is never any money on the premises.



"It is all transferred through the banks and we have a card machine. We do not have cash, we never have any money here.Cheap parka hublotwatch will have fleece. The safe was put there by the previous owners. We don’t have keys to one and we don’t use them.”



One of the men is described as being very tall as he had to bend his head to get out of the door.



The business, which launched 10 years ago, remained closed for the rest of the day and on Saturday.



A police spokesman confirmed the robbery had been reported at 9.35am on Friday. He said three men wearing entered the business wearing balaclavas, making demands for money and took personal items. No arrests have been made.



One perjury count alleged Sargent knowingly gave false information when she signed the bankruptcy petition, a federal document. The other count accused her of knowingly making a false statement at a March 2011 meeting of creditors at which she said under oath that she had listed all her assets and liabilities.



The elder Bobleter's estate has wound up in probate court. In August, Sargent petitioned the court to remove her brother as co-trustee and make her the sole trustee. She claimed there was a "lack of cooperation" between them and that her brother "is unfit or there is an unwillingness or persistent failure of the co-trustee to administer the trust effectively."



Since its founding in 1904, BCT has been heavily involved with the community. It has always been the company’s mission to be a partner in the community and give back,



ummerhill-Bishop said.



One reason to put on the Backyard Bash is to provide a family-friendly event, but it is the second goal that makes the event unique, she said.



Right from the advent of the bash, the purpose was to raise money for local nonprofits, but organizers quickly realized they needed to scale back the number of groups, so that each made a fair amount of money.



“We do this to shed light on the small-scale, nonmainstream nonprofits, not the ones that are already getting huge amounts of money,” Summerhill-Bishop. This year’s charities include Backpack Buddies, The Founders Clinic, Gaffney Lane Elementary School, Meals on Wheels, Squires and Youth Music Project. Next year a different group of nonprofits will benefit from the event.



Entrance to the Backyard Bash is free, but all the money raised that day from two silent auctions and raffles,You may see many other fake websites posting available cheaprolexwatches, be aware of fake retailers. the kids corner, the Bingo tent and the BCT barbecue cart will be divided among the six nonprofits, Summerhill-Bishop said.



“There is no way a company as small as ours could fund this event by ourselves, so that is where all our community partnerships and sponsors come into play,” she said, noting that companies and individuals donate items for the raffles and auctions, and fees from the vendors go into putting the event on.



“In the past nine years this event has donated over $48,000 to local nonprofits,” Summerhill-Bishop said.



She also said she is grateful to the Oregon City High School cross country and wrestling teams, which help set up and take down the event every year.



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