18 Burst results for "Court Of Arbitration"

The Shady World Of Call Center Work

NPR's Business Story of the Day

03:37 min | 3 months ago

The Shady World Of Call Center Work

"Many of America's best known companies figured out a way to cut customer service costs. They've been doing this for years they classify customer service workers as contractors and have them work from home Amanda Iran Chick of NPR's planet money reports on potentially illegal business model. When Yvonne. Quarter I heard about arise virtual solutions. She was trying to find a way to home school her kids arise Zane worked from home pioneer. It's been around since the late nineteen ninety S, and it offers the opportunity to get paid to customer service work from home to me. It just released sounded like it was fun in an easy way to make money maybe not quite so easy quarter had to. Pay For three months training clause she bought herself a headset computer installed a new phone and fax line. So for a few years there if you were to call up Disney dining, you're gonna get me outside little. Rock Arkansas right now, quarter didn't work for Disney dining and by the way, Disney did not respond to our requests for an interview and she didn't exactly work for arise either she was an independent contractor. So she wasn't entitled to things like paid sick days. There is one point I was so sick I had a hang up on one of my Disney guests I had to throw up they're like, well, you need to schedule time off and I'm like what? It makes no sense quarter isn't the only one wondering about all this Arianna Tobin is a propublica reporter whose team spent over a year investigating work from home call centers arise to hire agents are is only will contract with what they call an independent business. A lot of the time it's just one person arise shifts a lot of training and gear costs from a Disney. Onto the customer service Rep, what you hear them say is we quote unquote squeezed the wastage out of your employment costs arise told us in a written statement that they've built a platform where agents can choose when where, and how often they work. But Labor Lawyers Shannon Lewis reardon argues that's not quite true in reality she says, arise maintains a lot of control over these workers. The really more like employees than contractors they've been mis classified the misclassification. The umbrella issue here list weirded is like lawyer famous for fighting cases against UBER LIFT DOOR DASH and other GIG economy companies. She says misclassification is increasingly common and she's fought a series of these kinds of cases against a rise. She's not allowed to say exactly how many though because deep inside the contracts of the Asian sign it says, if you have a problem with the rise, you have to go through private arbitration. It's basically like a private court you go to a private decision. Maker not a regular judge. The whole thing is confidential. Basically, what happens in private court stays in private court arbitration as a very effective means of companies keeping their workers in the dark about their legal rights. So people like von Quarter had no idea that some of her fellow arise customer service agents had filed complaints against the company. I didn't know there were so many other people that were going through the same thing feeling the same thing and based on Propublica is reporting many of the WHO fought arise one their cases according to an American Bar Association report from earlier in the year, the use of mandatory private arbitration has been increasing dramatically over the past three decades Amanda Renchik NPR news.

Disney Zane Yvonne Amanda Iran Shannon Lewis Reardon America American Bar Association Arianna Tobin Amanda Renchik Arkansas Reporter
"court arbitration" Discussed on WSB-AM

WSB-AM

01:38 min | 1 year ago

"court arbitration" Discussed on WSB-AM

"He was at work going to the option to the effort to opt out of it because you have to stand in like a formal written letter to opt out yeah I did so I mean they want they want to communicate with you in every other way electronically but on this they know that people are going to find it to be too much of a bother to the fell out yeah right out a statement to I'm telling you you don't want to be an arbitration and mail it in with the stamp I mean I don't even know what stamp costs now is I've forever stamps so this is your choice have you ever had anything with chase this man lying on this males pretty bad here I know I've been here the card I have it's it's tied to hotel points are used for that purpose to earn points and so I've never I've never had a problem with it that doesn't say it I just want to talk to they gave me an option just had me thinking and so I thought I would bring this question up yeah so it's something that they know practically nobody is really going to do and I would say that if you had a history with them that made you feel uncomfortable with them I made you suspicious of them and you wanted to do it go ahead I've got the procedure on Clark dot com for anybody who has a chase credit card and doesn't want to waive their rights to sue them right is a practical matter the arbitration panels they have are all the banks have kangaroo court arbitrations that.

"court arbitration" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

13:25 min | 2 years ago

"court arbitration" Discussed on NewsRadio 1080 KRLD

"Coming up later. Everybody thinks they're a great driver. But the drivers were they will are the worst drivers anywhere. Well, let me tell you or not all great drivers. But where are the worst? And best drivers. I got new data for you on that talk right now about really serious thing. Now, we got a terrible problem with income inequality in the United States and way too much power in the United States resides in corporations, and one of the things that we've hit a tipping point on in the United States is we've hit a a moment where two out of three workers are now covered by kangaroo court arbitration clauses. If your employer harasses, you discriminates against you or cheats, you breaks the law. You have no rights to use the laws of the United States. It's over because companies are imposing. On workers, many times workers aren't even aware that they are in these horrific arbitrations. I know that that a lot of companies worry, and in some cases, where the reason that people will. Abused them. Take advantage of them in the courts, and it does happen. But the solution of arbitration is much worse than that problem. Because employee's over and over again get cheated on compensation. With no rights have someone sexually harassed them. With no rights. And people suffer in the employment world in so many ways. I mean, lots of employers do things like they should right. People get taken advantage of repeatedly. Employers that discriminate against people illegally against any discrimination laws and suffer no consequences because they hide behind these fake piece of trash not worthy of third world arbitrations where the company's control the arbitrations they control the arbitrators they control everything, and you have no chance so different than these fake arbitration things were forced into by the banks is customers of the banks where banks when in arbitrations ninety nine point seven percent of the time. You tell me who wins anything ninety nine point seven percent of the time. So as we. Try to figure out as a nation. How to deal with unbalanced powers in this country. Including the distribution of opportunity and wealth in the United States one of the areas that we gotta deal with. Is the absolute abuse. That we suffer because of these kangaroo court arbitration, just see, you know, why do I call him? Kangaroo court because the arbitrators know that if they don't find for the companies, they don't work anymore. The companies choose the arbitration system, they choose the arbitration forum, and if the employers don't win pretty much all the time. That arbitration forum is fired and they find one that is suitable to bringing them to victory every time that is not how things should work in the United States of America. John joins us on the Clark Howard show. Hello, John Kerry. Clark. How're you doing? Great. Thank you. John. You have a question for me about a website that automatically renewed. You exactly I was subscribing to a dating website and had been on the site for years. Off and on. I have to to to clarify depends on whether I get enrolled Latian ship or not and anyway came up to a point right now where I am seen somebody. I'm also out of work. And I was looking at charges on my Bill, and I thought don't need to be doing this anymore. And so I contacted them, and they said that yes, you auto renewed. But you also agree to our terms and conditions which say that I had three day window from the auto renewal date. Hi, down by mail that I was going to be canceling my subscription, and how disgusting how disgusting is that. They call them rollover causes and contracts where they make the conditions so difficult for you as a consumer to cancel the auto renewal that they get a whole nother term service or are year out of you, or whatever it is. Slimy. Disgusting despicable and the worst industry in America for it. And there's nobody close is the burglar alarm industry. Oh, yeah. Yeah. And and and the thing they told they said in their in their details. Visit I had to notify them. They never gave me any notice. They never emailed me to say your renewal data's coming up or anything. And so that window that's a window came and went very quickly, and and how much money are we talking about for a year of this two hundred and fifty dollars. Oh my goodness. And you're unemployed right now that two fifty could really come in handy. That's a bite that hurts right? Yeah. What did they say after they quoted to you this ridiculous thing that you had seventy two hours to notify them in writing? They said they were going to be nice. And and I also said to him if you go back, and look I haven't even been on the website last three months, I haven't even used it. And they said they would be nice if they would refund hundred and forty dollars which is the difference between their twelve months inscription and their three month subscription. But as far as they were concerned, they were going to refund my credit card and close the case, and there would be no appeal. So I'm out one hundred and ten dollars for something. You're not. All right. So here's what you do you legally, they're protected because even is slimy is rollover is in these contracts, and is despicable and disgusting and unethical is it is it is considered as it's been tested as far as I've read in the courts, it's been considered to be a legal practice. So what I would do. Instead is I would file a complaint it BBB dot org. Okay. And at the Better Business Bureau website, they're all about not necessarily what's legal, but what would be ethical. This is obviously in my opinion, not an ethical practice at all. So if you file a complaint at BBB dot org. They'll respond, they may tell you. Hey, look, that's what we're going to give you a Met's it, but it's a way outside of going to small claims court or whatever where you have a chance you'll get some help. Now, the other thing is if you are active on social media, all these dating sites monitor social media like fiends, and if you start posting about your lousy experience with this dating site, they will contact you pretty quickly and say, okay. What do you want to make you happy? Basically, what do you want? So you'll shut up. Yeah. Yeah. Okay. Good good is the FTC a resources, well or waste of time in this case. Okay. Gotcha. So that's why the Better Business Bureau non-governmental this is made to order. For what they do. And again, they may blow off the Better Business Bureau. But at least it's really easy to do. You just do the BBB dot org and see how it plays. Keep your submission to them short. And let's see where it leads. The sentence are probably going to stick with it because they're under threat by the free sites like gender or plenty of fish and all that. So they may want to try to get as much money out of me. They can before. Yeah. Without and well, except except it's never good to burn a bridge. Because as you said, you know, for relationship doesn't work out you want to go back on site. They've lost your life. So that's the danger for them burning you, and that's the thing. I'd say to you if you own a business, and you think it's really clever a coup or some consultant came in and told you this is the way to rip off your customers. It's really great you'll generate all this other money. What's your reputation worth? What's your reputation worth? When you set up your business, specifically to burn your loyal customer. Mike is with us Mike, you have a tip for your fellow listeners that right? We'll see it's a it's a lesson. If nothing else, let's hear that. I've got a son who turned sixteen next month. So it's the driving age in our state. So obviously time when I wanted to take a look back insurance rates am I paying a competitive right now? What coverage do I need to add or subtract with him coming on? And I I guess I got the sticker shock that. Every parent gets about this age. Of their their sons live the rate from my current sure where we're going up significantly more than more than doubling. So I went out just all of the obvious internet sites to get some competitive quotes, not only for the rates when are suddenly joined the policy, but for our current rates as well. And was very surprised at the rates that were out there for the current coverage that we have how much lower they were in the range of twenty five thirty percent lower. That's always a stunner to people, but anybody just about who would go and shop auto insurance would likely find rate quotes out in the marketplace that much cheaper. Yeah. I've been with this current Schumer for just over twenty years almost twenty one. And I think you came from day and age where insurance rate was just a fixed rate, you're gonna pay there's not a whole lot of flexibility, you get multi car and homeowners discounts, and that kind of thing, but not a whole lot of flexibility beyond that. But I called the insurance just to discuss, you know, the changing of the policy, adding my son, even as a student driver, and I mentioned to him that we got some competitive rates both for with and without my son on the policy. What those rates were and told him that when he turned sixteen in another month. So we're gonna have to make some serious decisions about about our coverage. And we've got, you know, not only auto but homeowners in umbrella and everything else these guys as well. So it's been very simple to stay with them over the years. So they offered without really a request. They offered to do what they call the credit review on the account to see if there was anything else that could be done to to make these, you know, my rates more attractive, and they told me they call. Me back the next day at four o'clock in and literally on the dot they call me back the next day at four o'clock and agreed to reduce rates by just over forty percent. So now even cheaper than what you were saying from others in the marketplace. Yeah, you know, and mixed reaction disappointed that you had to have this conversation to get a competitive rate with somebody you've been with this long during courage that they would, you know, take a look, I guess it. It can't be based solely on credit. I've never seen him. No, mike. Let me tell you. What's really going on? Okay. All right. Let me tell you there. You have with an insurer. You have what they call loyalty index score. Okay. And if they're computer modeling says that you are a warrior person, and you are not a likely person to shop around your charge much higher rates for auto and homeowner's insurance. Then people who they know are price sensitive and not loyal to a particular brand or particular company and the insurers pay big money to get the loyalty index scores on their insureds. So that it's one of the things about modern capitalism is that people are punished for royalty and rewarded for disloyalty. I'll give you another example completely different kind of thing pay television. If you're with one provider, and you stay with one provider, your rates, go up and up and up. But if you look at the solicitations from the satellite companies, the phone companies, the cable monster if you are a new customer, you're.

United States Better Business Bureau Mike America John Kerry Clark Howard Kangaroo court Latian consultant FTC Schumer seven percent twenty five thirty percent seventy two hours fifty dollars forty dollars forty percent
"court arbitration" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

09:21 min | 2 years ago

"court arbitration" Discussed on NewsRadio 1080 KRLD

"Craig what you need to know. There's something simple. You can do about it actually to something simple. You can do about it. I'm going to share with you. And yet later talk about a pivot going on in the housing market, and that is houses becoming smaller but smarter in how they're designed. Plus there's an angle on that for veterans that I'll fill you on on talk right now about something that happened last week. And it was this mass protest and walkout by tens of thousands of Google workers. And what led to this walkout was? There was a Google worker who had repeatedly sexually harassed women and the women they employees were forced into kangaroo court arbitration. And if they received any money at all in kangaroo court arbitration, they had to sign an NDA a nondisclosure agreement, which meant there were no consequences. To this employee who in fact was continually getting promoted at Google, and then alternately when the employees was shown the door. He was given an exit package of ninety million dollars as a going away gift from Google for being such a good serial sexual harasser, actually because. Is a brilliant guy who invented a lot of great stuff. So they look the other way and just paid people off to keep quiet. Well, Google employees rose up an insurrection. And as a result Google, and then almost immediately after Facebook have both now eliminated. Force. Kangaroo court arbitration for sexual harassment. There is I mean, I am a hundred percent opposed to kangaroo court arbitration for anything involving you and me doing business as consumers with business employees where you work having to deal with these stack arbitration systems, and if you're not familiar with it, more and more places, we work or shop require that. If we're gonna work there winner shop there, whatever that we agree that no matter what the company does illegal, otherwise, we have no rights to the nation's courts. And the supreme court has ruled on multiple occasions, they because of a law passed by congress that the upper hand automatically goes to employers, and if employers have companies want to impose this fake judicial system the crooked arbitrations they can. And so this is a clear example of why four-star betray Shen is is wrong as it could be and it should not be at all. Because for someone who is engaging in illegal behavior at a company or coercive behavior at a company to be able to hide from the law. I mean, this came up with I don't like to mention and by the way, I didn't mention the Google guys aim, right? And I didn't mention that guy who the Hollywood guy who harass so many women who was violent towards so many women and again, and again in DA's, nondisclosure, agreements and arbitration agreements kept. Consequences away for decades. From abuse- from sexual assault and the rest that was going on with this Hollywood mogul. And so this is a system that is clearly broken. It is a cynical thing to eliminate people's rights. I mean think about all the sacrifices that have taken place in all the wars over the years as we are in the shadow. Veterans day. That all these people who did so much to fight for and preserve our freedom to then have it cynically taken away by the US, congress that eliminates your my ability to go to the courts of the United States if we've been wronged and that is wrong. That's not the way our country should work and pressure within companies has forced this change at Google and Facebook, I hope they're just two of many companies where people who have been harmed people who've been assaulted will have access to the courts of our nation instead of to these fake stacked deck arbitration panels that are controlled by the employers to work solely for the benefit of the employers and to stick it to the employees who've been wronged. Michelle is with us on the Clark Howard show. Hi, michelle. How're you doing? I'm doing very well. How are you? Great. Thank you. You are someone who does not wanna be in debt for one second longer than you have to be. That is pretty much true. We're especially focused on a mortgage on a second a vacation home. Okay. How come the second home? Not the first. Well, a lower industry, and we you know, we're not having any trouble where new in the house now, it's not a budget concern. We're definitely pay a little extra to get it over with Neuner. But the second mortgage has meant that we've had to get a second income coming into the house, not being me dinner. Stay at home mother for ten years and our goal is to go back to that. So we just want to get rid of the second mortgage as soon as when you say sagamore, gene on the second home. Yeah. And what interest rate does that one Kerry? That is at six. Whoa. I know because it's a mobile home and a second property for us that was the lowest peaking got. So the first home the primary residence the interest rate on that mortgages what? Now one four so don't prepay at all on the four all your energy, all your efforts should be going to pay off the loan on the second home. What's the outstanding balance on it? One twenty and do, you know, sometimes with loans involving mobile homes. There will be a prepayment penalty. Not right. If there's no prepayment penalty then paying against a six percent loan. Sounds like a great idea with the money you're making from this job. You've had to take how long will it take you to pay off that one twenty? I've done a bunch of calculators where I'm at right now, I can basically make only about two hundred dollars a month extra toward mortgage on top of the regular payment. But I had this lump sum sitting in a Bank right now that I'm debating what to do with it. I'm going to take a small portion and openness second IRA for our retirement planning, but I'll still have thirty to forty thousand left. And so my biggest question is as far as using thirty or forty to prepay is it better to just make huge payments right now. And when it runs out and go back to baking, and you know, the best I can with my income. Or should I spread it out? Let's molar extra payments. So that I know it will last the whole time until the mortgage is gone. Well, actually, if you are sitting there with a pile of cash, and your intention is to use that pile of cash towards the hundred and twenty thousand outstanding. It's to your advantage to lump sum at all at once. Because it really. Is is the loan? And by that. I mean, it reduces the length of the loan by an enormous amount. Every month when you're paying on that six percent loan a huge amount of what you're paying is towards interest, not principal. So if you immediately take out twenty five percent. Of the remaining principal then of you have to keep making the same payments you've made before but a great deal. More of each payment will go towards principal rather than interest. Having a huge impact on the remaining length of alone. Okay. Okay. Calculators that way doing calculators with recast versus.

Google Facebook congress Kangaroo court principal Michelle Craig United States Hollywood Shen Clark Howard assault Neuner harassment Kerry six percent ninety million dollars twenty five percent two hundred dollars
"court arbitration" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

09:27 min | 2 years ago

"court arbitration" Discussed on NewsRadio 1080 KRLD

"What you need to know. There's something simple. You can do about it actually to something simple. You can do about it. I'm going to share with you. And yet later talk about a pivot going on in the housing market, and that is houses becoming smaller, but smarter in how their design, plus there's an angle on that for veterans that all feel you on on talk right now about something that happened last week. And it was this mass protest and walkout by tens of thousands of Google worker. There's. And what led to this walkout was? There was a Google worker who had repeatedly sexually harassed women and the women the employees were forced into kangaroo court arbitration. And if they received any money at all in kangaroo court arbitration, they had to sign an NDA nondisclosure agreement, which meant there were no consequences. To this employee who in fact was continually getting promoted at Google, and then alternately when the employees were shown the door. He was given an exit package of ninety million dollars as a going away gift from Google for being such a good serial sexual harasser. Actually, 'cause is a brilliant guy who invented a lot of great stuff. So they look the other way and just paid people off to keep quiet. Well, Google employees rose up an insurrection and as a result Google, and then almost immediately after Facebook have both now eliminated force. Kangaroo court arbitration for sexual harassment. There is I mean, I a hundred percent opposed to kangaroo court arbitration for anything involving you and me doing businesses consumers with the business employees where you work having to deal with these stacked deck arbitration systems, and if you're not familiar with it, more and more places, we work or shop require if we're gonna work there winner shop there, whatever that we agree that no matter what the company does illegal, otherwise, we have no rights to the nation's courts. And the supreme court has ruled on multiple occasions that because of a law passed by congress that the upper hand automatically goes to employers, and if employers have companies want to impose this fake judicial system, they're crooked arbitrations they can. And so this is. A clear example of why four-star betrays is is wrong as it could be and it should not be at all. Because for someone who is engaging in illegal behavior at a company or coercive behavior at a company to be able to hide from the law. I mean, this came up with I don't like to mention and by the way, I didn't mention the Google guys name, right? And I didn't mention that guy who the the Hollywood guy who harass so many women was violent towards so many women and again, and again NDA's nondisclosure, agreements and arbitration agreements kept. Consequences away for decades. From abuse- from sexual assault and the rest that was going on with this Hollywood mogul. And so this is a system that is clearly broken. It is a cynical thing to eliminate people's rights. I mean think about all the sacrifices that have taken place in all the wars over the years as we are in the shadow. Veterans day. That all these people who did so much to fight for and preserve our freedom to then have it cynically taken away by the US, congress that eliminates your and my ability to go to the courts of the United States if we've been wronged and that is wrong. That's not the way our country should work and pressure within companies has forced this change at Google and Facebook, I hope they're just two of many companies where people who have been harmed people who've been assaulted we'll have access to the courts of our nation instead of to these fake stacked deck arbitration panels that are controlled by the employers to work solely for the benefit of the employers and to stick it to the employees who've been wronged. Michelle is with us on the Clark Howard show. Hi, michelle. How're you doing? I'm doing very well. How are you? Great. Thank you. You are someone who does not wanna be in debt for one second longer than you have to be. That is pretty much true. We're especially focused on a mortgage on a second a vacation home. Okay. How come the second home? Not the first. A lower industry, and where you had a, you know, we're not having any trouble where new in the house Neal. It's not a budget concern. We're definitely pay a little extra to get it over with sooner. But the second mortgage has meant that we've had to get a second income coming into the house, not being me dinner. Stay home mother for ten years and our goal is to go back to that. So we just want to get rid of the second mortgage is when you say more, gene on the second home. And what interest rate does that when Carey that one is at six. Whoa. I know because it's a mobile home and a second property thrust. That was the lowest leaky got. So the first home the primary residence the interest rate on that mortgage is what now. When four so don't prepay at all on the four all your energy, all your efforts should be going to pay off the loan on the second home. What's the outstanding balance on it one twenty and do, you know, sometimes with loans involving mobile homes. There will be a prepayment penalty. Not. All right. If there's no prepayment penalty then paying against a six percent loan. Sounds like a great idea with the money you're making from this job. You've had to take how long will it take you to pay off that one twenty? I've done a bunch of calculators where I'm at right now, I can basically make only about two hundred dollars a month extra toward that mortgage on top of the regular payment. But I had this lump sum sitting in a Bank right now that I'm debating what to do with it. I'm gonna take small portion and open a second IRA for our retirement planning, but I'll still have thirty to forty thousand left. And so my biggest question is as far as using not thirty to forty to prepay is it better to just make huge payments right now. And when it runs out go back to taking a you know, the best I can. With my income or should I spread it out, smaller extra payments? So that I know it will last the whole time until the mortgage is gone. Well, actually, if you are sitting there with a pile of cash, and your intention is to use that pilot cash towards the hundred and twenty thousand outstanding. It's to your advantage to lump sum it all at once. Because it Reimer ties is the loan in by that. I mean, it reduces the length of the loan by an enormous amount because every month when you're paying on that six percent loan a huge amount of what you're paying is towards interest, not principal. So if you immediately take out twenty five percent of the remaining principal, then of you have to keep making the same payments you've made before but a great deal. More of each payment will go towards principal rather than interest. Having a huge impact on the remaining length of alone. Okay. Okay. Calculators calculators with recast versus extra.

Google Facebook Hollywood congress Kangaroo court principal Michelle United States Clark Howard Reimer assault harassment Carey Neal six percent ninety million dollars twenty five percent two hundred dollars hundred percent
"court arbitration" Discussed on WSB-AM

WSB-AM

14:21 min | 2 years ago

"court arbitration" Discussed on WSB-AM

"Gonna fill you in today's car creates what you need to know. There's something simple. You can do about it actually to something simple. You can do about. I'm going to share with you. And yet later talk about a pivot going on in the housing market, and that is houses becoming smaller, but smarter in how their design plus there's an angle on that for veterans fail you on. I wanna talk right now about something that happened last week. And it was this mass protest and walkout by tens of thousands of Google workers. And what led to this walkout was? There was a Google worker who head repeatedly sexually harassed women and the women the employees were forced into kangaroo court arbitration. And if they received any money at all in kangaroo court arbitration, they had to sign an NDA a nondisclosure agreement, which meant there were no consequences. To this employee who in fact was continually getting promoted at Google, and then ultimately when the employees was shown the door. He was given an exit package of ninety million dollars as a going away gift from Google for being such a good serial sexual harasser, actually because is a brilliant guy who invented a lot of great stuff. So they look the other way and just paid people off to keep quiet. Well, Google employees rose up an insurrection. And as a result Google, and then almost immediately after Facebook had both now eliminated. Force. Kangaroo court arbitration for sexual harassment. There is I mean, I am a hundred percent opposed to kangaroo court arbitration for anything involving you and me doing businesses consumers with the business employees where you work having to deal with these stacked deck arbitration systems, and if you're not familiar with it, more and more places, we work or shop require that. If we're going to work there winner shop there, whatever that we agree that no matter what the company does illegal, otherwise, we have no rights to the nation's courts. And the supreme court has ruled on multiple occasions, they because of a law passed by congress that the upper hand automatically goes to employers, and if employers have companies want to impose this fake judicial system, they're crooked arbitrations they can. And so this is. A clear example of why four star betray Shen is is wrong as it could be and it should not be at all. Because for someone who is engaging an illegal behavior at a company or coercive behavior at a company to be able to hide from the law. I mean, this came up with I don't like to mention and by the way, I didn't mention the Google guys name, right? And I didn't mention that guy who the the Hollywood guy who harass so many women was violent towards so many women and again, and again NDA's non disclosure, agreements and arbitration agreements kept. Consequences away for decades from abuse from sexual assault and the rest was going on with this Hollywood mogul. And so this is a system that is clearly broken. It is a cynical thing to eliminate people's rights. I mean think about all the sacrifices that have taken place in all the wars over the years as we are in the shadow of Veterans Day. That all these people who did so much to fight for and preserve our freedom to then have it cynically taken away by the US, congress that eliminates your and my ability to go to the courts of the United States if we've been wrong and that is wrong. That's not the way our country should work and pressure within companies has forced this change at Google and Facebook, I hope they're just two of many companies where people who've been harmed people who've been assaulted we'll have access to the courts of our nation instead of to these fake stacked deck arbitration panels that are controlled by the employers to work solely for the benefit of the employers and to stick it to the employee's who've been wronged. Michelle is with us on the Clark Howard show. Hi, michelle. How're you doing? I'm doing very well. How are you? Great. Thank you. You are someone who does not wanna be in debt for one second longer than you have to be. That is pretty much true. We're especially focused on a mortgage on a second a vacation home. Okay. How come the second home? Not the first. Well, a lower industry, and we you know, we're not having any trouble where new in the house Neal. It's not a budget concern. We're definitely pay a little extra to get it over with sooner. But the second mortgage has meant that we've had to get a second income coming into the house, not being me dinner. Stay at home mother for ten years and our goal is to go back to that. So we just want to get rid of the second mortgage is when you say sagamore, gene on the second home. Yeah. And what interest rate does that when carry that? What is at six? Whoa. I know because it's a mobile home and a second property for us. That was the lowest we could got. So the first home the primary residence the interest rate on that mortgages what not one is four. So don't prepay at all on the four all your energy, all your efforts should be going to pay off the loan on the second home. What's the outstanding balance on it? One twenty and do, you know, sometimes with loans involving mobile homes. There will be a prepayment penalty. Not only if there's no prepayment penalty then paying against two six percent loan. Sounds like a great idea with the money you're making from this job. You've had to take how long will it take you to pay off that one twenty? I've done a bunch of calculators where I'm at right now, I can basically make only about two hundred dollars a month extra toward mortgage on top of the regular payment. But I had this lump sum sitting in a Bank right now that I'm debating what to do with it. I'm going to take a small portion and openness second IRA for our retirement planning, but I'll still have thirty to forty thousand left. And so my biggest question is as far as using that thirty to forty to prepay is it better to just make huge payments right now. And when it runs out go back to baking, a, you know, the best I can with my income. Or should I spread it out? Let's molar extra payments. So that I know it will last the whole time until the mortgage is gone. Well, actually, if you are sitting there with a pile of cash, and your intention is to use that pile of cash towards the hundred and twenty thousand outstanding. It's to your advantage to lump sum at all at once. Because. Is is the loan in by that? I mean, it reduces the length of the loan by an enormous amount because every month when you're paying on that six percent loan a huge amount of what you're paying is towards interest, not principal. So if you immediately take out twenty five percent. Of the remaining principal then of you have to keep making the same payments you've made before but a great deal. More of each payment will go towards principal rather than interest. Having a huge impact on the remaining length of the loan. Okay. Okay. So you haven't done calculators that way of doing calculators with recast versus extra payment. And I've seen the extra payment makes them much bigger savings than a recast. Exactly. You're talking about a refinance. Right. No. I'm talking about do you just lost some the thirty against the balance you prepay principal. Try to just make one big extra. Right. And so the sooner you do the more the savings are. That's why especially I want you to make certain. There is no prepayment penalty you pay that. And again, your monthly payment stays the same. But if you to a mortgage calculator, many of which are available online, and you put in that you're doing a prepayment of principle of that amount of money. It will show you how quickly you'll finish paying off the remaining ninety thousand. Okay. Yeah. You know? I don't know. Why didn't even think of that option? The Bank mentioned me a free recast. And so I was only comparing that the reason the Bank wants you to recast is to keep you in debt as long as you are right now. What were your payment? So that you'll pay much more interest over the term of the loan. Right. Exactly. As I said, no thank you to that right away. That's why doing the lump sum prepayment gets you the greatest bang for your buck. Excellent. Thank you very much. All right and best to you. And hopefully soon you'll get this to where you don't have to work anymore because of this mortgage. Awesome. Thank you Bye-bye. Jimmy's with us on the car coward show. Hi, jimmy. Great. Thank you, Jimmy. How can I be of service? Well, my nieces and nephews birthday just Muslim there's Christmas. And I wanted to buy them stock so trying to figure out the best way to do that. I was thinking about some of those free platforms fan of the Roth IRA I was thinking about doing something self directed there. But it's now older your niece and nephew Jimmy. There's three and five. Okay. So you can't do or an IRA. Unless unless they are violating child labor laws, and you've got him working in the salt mine somewhere. Realize that? Okay. Yeah. You gotta you gotta have earned income. You gotta have a job. So I mean, the all important three year old job market with that is. So. Putting money aside for them the question, I'd have for you next in your family's culture. What's the likelihood that three year old and five year old are going to go to college? If college is the likely result. Then the best thing you could do for your niece and nephew is put money in something known as a five twenty nine plan for their benefit, which is a tax free investment account for college. Okay. I'm in California. They're raised in New York. And I'd be doing it out of the California one of the New York on both plans are fantastic. But I'm gonna make a suggestion to you. How financially trustworthy are the parents of the three and five year old. Yeah. Pretty strong when they come to the kids. The father's stockbroker, which is why I was thinking about my brother stockbroker, would you? I was thinking about stocks. So so what would be best is if the parents owned the five twenty nine plan that you just give them the money with the idea being that it's going to go to your nieces and nephews five twenty nine college savings plan because the treatment in terms of how the money's calculated in. How it might affect financial aid is more favourable. If the counselor owned by a parent. If you didn't if you didn't trust, your the your brother, you didn't think he was responsible. You would not want him to own the account. But since you know, he is you say here's some money for your kids for five twenty nine account. And the New York plan is great. They can just open that when and put the money in and then over the years when your niece nephew have birthdays, Christmas, whatever you can give additional money that will go into their college plan. Shelter empty towards stop. So because so what if five twenty nine? A five twenty nine does is the money is if you go in western as the age based portfolio, the money is overwhelmingly in stocks when they're preschool age like your niece and nephew are. And then as they get close to college age the mix changes their widely diversified portfolios. There are simple choice, and they will be overwhelmingly and stocks, but through the five twenty nine fun choice you'd go into..

Google principal Facebook California Jimmy Michelle Kangaroo court United States congress Hollywood New York Clark Howard Shen assault harassment Neal
"court arbitration" Discussed on News 96.5 WDBO

News 96.5 WDBO

09:20 min | 2 years ago

"court arbitration" Discussed on News 96.5 WDBO

"What you need to know. There's something simple. You can do about it actually to something simple. You can do about. I'm going to share with you. And. Yeah. Later talk about a pivot going on in the housing market, and that is houses becoming smaller, but smarter and how they're design. Plus there's an angle on that four veterans that I'll feel you on wanna talk right now about something that happened last week. And it was this mass protest and walkout by tens of thousands of Google workers. And what led to this walkout was? There was a Google worker who head repeatedly sexually harassed women and. The women the employee's were forced into kangaroo court arbitration. And if they received any money at all in kangaroo court arbitration, they had to send an NDA a nondisclosure agreement, which meant there were no consequences. To this employee who in fact was continuing getting promoted at Google, and then ultimately when the employees were shown the door. He was given an exit package of ninety million dollars as a going away gift from Google for being such a good serial sexual harasser, actually because is a brilliant guy who invented a lot of great stuff. So they look the other way and just paid people off to keep quiet. Well, the Google employees rose up an insurrection and as a result Google, and then almost immediately after Facebook have both now eliminated. Force. Kangaroo court arbitration for sexual harassment. There is I mean, I am one hundred percent opposed to kangaroo court arbitration for anything involving you and me doing business as consumers with the business employees where you work having to deal with these stacked deck arbitration systems, and if you're not familiar with it, more and more places, we work or shop require that. If we're going to work there winner shop there, whatever that we agree that no matter what the company does illegal, otherwise, we have no rights to the nation's courts. And the supreme court has ruled on multiple occasions that because of a law passed by congress that the upper hand automatically goes to employers, and if employers have companies want to impose this fake judicial system the crooked arbitrations they can. And so this is. A clear example of why four-star betray is is wrong as it could be and it should not be at all. Because for someone who is engaging an illegal behavior at a company or coercive behavior at a company to be able to hide from the law. I mean, this came up with I don't like to mention and by the way, I didn't mention the Google guys name, right? And I didn't mention that guy who the the Hollywood guy who harass so many women was violent towards so many women and again, and again in DA's nine disclosure, agreements and arbitration agreements kept consequences away for decades from abuse from sexual assault and the rest that was going on with this Hollywood mogul. And so this is a system that is clearly broken. It is a cynical thing to eliminate people's rights. I mean think about all this. That have taken place in all the wars over the years as we are in the shadow. Veterans Day that all these people who did so much to fight for and preserve our freedom to then have it cynically taken away, but the US congress that eliminates your and my ability to go to the courts of the United States if we've been Rowland and that is wrong. That's not the way our country should work and pressure within companies has forced this change at Google and Facebook, I hope they're just two of many companies where people who've been harmed people who've been assaulted we'll have access to the courts of our nation instead of to these fake stacked deck arbitration panels that are controlled by the employers to work solely for the benefit of the employers and to stick it to the employee's who've been wronged. Michelle is with us on the Clark Howard show. Hi, michelle. How're you doing? I'm doing very well. How are you? Great. Thank you. You are someone who does not wanna be in debt for one second longer than you have to be. That is pretty much true. We're especially focused on a mortgage on a second a vacation home. Okay. How come the second home, not the first a lower industry, and we're you know, we're not having any trouble where new in the house. Now, it's not a budget concern. We're definitely pay a little extra to get it over with sooner. But the second mortgage has meant that we've had to get a second income coming into the house, not being me dinner. Stay at home mother for ten years and our goal is to go back to that. So we just want to get rid of the second mortgage as soon as when you say get more, gene on the second home. Correct. What interest rate does that? When kerry. That is at six. Whoa. I know because it's a mobile home and a second property for us that was the lowest leaky gut. So the first home the primary residence the interest rate on that mortgages what not one in four. So don't prepay at all on the four all your energy, all your efforts should be going to pay off the loan on the second home. What's the outstanding balance on it? One twenty and do, you know, sometimes with loans involving mobile homes. There will be a prepayment penalty. Not. All right. If there's no prepayment penalty then paying against a six percent loan. Sounds like a great idea with the money you're making from this job. You've had to take how long will it take you to pay off that one twenty? I've done a bunch of calculators where I'm at right now, I can basically make only about two hundred dollars a month extra toward that mortgage on top of the regular payment. But I have this one stone sitting in a Bank right now that I'm debating what to do with it. I'm gonna take a small portion and open a second IRA or retirement planning, but I'll still have thirty to forty thousand left. And so my biggest question is as far as using not thirty to forty to prepay is it better to just make huge payments right now. And when it runs out go back to baking, and you know, the best I can. Can with my income or should I spread it out smaller extra payments? So that I know it will last the whole time until the mortgage is gone. Well, actually, if you are sitting there with a pile of cash, and your intention is to use that pile of cash towards the hundred and twenty thousand outstanding. It's to your advantage to lump sum it all at once. Because it Reimer ties is the loan in by that. I mean, it reduces the length of the loan by an enormous amount because every month when you're paying on that six percent loan a huge amount of what you're paying is towards interest, not principal. So if you a media really take out twenty five percent of the remaining principal, then of you have to keep making the same payments you've made before but a great deal. More of each payment will go towards principal rather than interest. Having a huge impact on the remaining length of alone. Okay. Okay. Calculators that way. Recast versus extra payment. And I've seen the extra payment make them much bigger savings than a recast. Exactly. You're talking about a refinance. Right. No. I'm talking about you just lump some the thirty against the balance you prepay, principal try to just make one big extra..

Google principal Facebook Kangaroo court Michelle US Hollywood congress Clark Howard DA harassment kerry Reimer Rowland assault six percent ninety million dollars one hundred percent twenty five percent
"court arbitration" Discussed on Clark Howard Show

Clark Howard Show

05:37 min | 2 years ago

"court arbitration" Discussed on Clark Howard Show

"What you need to know. There's something simple. You can do about it actually to something simple. You can do about. I'm going to share with you. And yet later talk about a pivot going on in the housing market, and that is houses becoming smaller, but smarter in how their design plus there's an angle on that for veterans that all fail you on. I wanna talk right now about something that happened last week. And it was this mass protest and walkout by tens of thousands of Google workers. And what led to this walkout was? There was a Google worker who had repeatedly sexually harassed women and the women the employee's were forced into kangaroo court arbitration. And if they received any money at all in kangaroo court arbitration, they had to send an indie a nondisclosure agreement, which meant there were no consequences to this employee who in fact was continually getting promoted at Google, and then ultimately when the employees was shown the door. He was given an exit package of ninety. Million dollars as a going away gift from Google for being such a good serial sexual harasser. Actually because is a brilliant guy who invented a lot of great stuff. So they look the other way and just paid people off to keep quiet. Well, the Google employees rose up an insurrection and as a result Google, and then almost immediately after Facebook have both now eliminated force kangaroo court arbitration for sexual harassment. There is I mean, I am a hundred percent opposed to kangaroo court arbitration for anything involving you and me doing businesses consumers with business employees where you work having to deal with these stacked deck arbitration systems, and if you're not familiar with it, more and more places, we work or shop require that. We're going to work there winner shop there. Whatever that we. We agree that no matter what the company does illegal. Otherwise, we have no rights to the nation's courts. And the supreme court has ruled on multiple occasions that because of a law passed by congress that the upper hand automatically goes to employers, and if employers have companies want to impose this fake judicial system the crooked arbitrations they can. And so this is a clear example of why four-star betray Shen is is wrong as it could be and it should not be at all. Because for someone who is engaging in illegal behavior at a company or coercive behavior at a company to be able to hide from the law. I mean, this came up with I don't like to mention in by the way, I didn't mention the Google guys name, right? And I didn't mention that guy who the Hollywood guy who harassed so many women was violent towards so many women and again, and again in DA's, nondisclosure, agreements and arbitration agreements kept consequences away for decades. From abuse- from sexual assault and the rest that was going on with this Hollywood mogul. And so this is a system that is clearly broken. It is a cynical thing to eliminate people's rights. I mean think about all the sacrifices that have taken place in all the wars over the years as we are in the shadow of Veterans Day. That all these people who did so much to fight for and preserve our freedom to then have it cynically taken away by the US, congress that eliminates Urumaya -bility to go to the courts of the United States. If we've been wronged and that is wrong. That's not the way our country should work and pressure within companies has forced this change at Google and Facebook, I hope they're just two of many companies where people who have been harmed people who've been assaulted will have access to the courts of our nation instead of to these fake stacked deck arbitration panels that are controlled by the employers to work solely for the benefit of the employers and to stick it to the employee's who've been wronged. Michelle is with us on the Clark Howard show. Hi, michelle. How you doing? I'm doing very well. How are you? Great. Thank you..

Google Facebook congress Michelle Hollywood United States Shen Clark Howard assault harassment Urumaya Million dollars hundred percent
"court arbitration" Discussed on 860AM The Answer

860AM The Answer

02:05 min | 2 years ago

"court arbitration" Discussed on 860AM The Answer

"Workers at Facebook will no longer be forced to agree to private arbitration if they file a sexual misconduct complaint. Facebook joins Google Uber and Microsoft and dropping the requirement that employees submit to private arbitration for misconduct complaints instead of taking them into open court arbitration, keeps the allegations private and in some cases allows abusers to continue their behavior the handling of sexual complaints prompted a walkout et Google. Where thousands of workers protested, the company suppression of complaints against executives. I'm Jacky Quin. But Texas band has been sentenced to three years in prison for improperly disposing of hazards electronic wasted a central Kentucky recycling business. The sixty three year old was supposed to recycle cathode Ray tubes. But took in more ways than it could handle and began dumping it at a landfill. Breaking news and analysis at townhall dot com. Voters in conservative Utah have decided to join the growing number of states legalizing medical marijuana, Utah will be aval listed more than thirty states. Allowing patients legal access to medical marijuana up after the plan maintained a vote lead in Friday's tabulations. The badger will be revised though under a compromise that won the approval of the Mormon church. The religion had opposed the ballot proposal over fears. It could lead to broader use. But after bouts of fierce debate agreed to the deal. It will change the law by blocking bear wanna edibles like cookies that might appeal to children and won't allow people to grow their own marijuana if they live too far from a dispensary. Patrick fos reporting Delaware prison officials are continuing to fight the problem of drones bringing contraband prisoners with another sighting of one of the aircraft at a local prison earlier this week more on these stories log on to townhall dot com. I'm Rhonda rockstar. When it comes to probiotics. Why do employees managers and owners of health stores recommend him personally, take theralac more than any other brand.

marijuana Facebook Google Patrick fos Utah Jacky Quin Rhonda rockstar Mormon church Texas Microsoft Kentucky Delaware sixty three year three years
"court arbitration" Discussed on Here & Now

Here & Now

02:02 min | 2 years ago

"court arbitration" Discussed on Here & Now

"A violation of the fairly or standards act which is like our big national libra law that they should be allowed into court rather than being downed by private arbitration which is a way that employers tried to bar employees from getting to regular court arbitration is private and you have to do it one by one according to the contracts that these implies that signed so is the ruling that you have to do this one by one yes that's the ruling it's a ruling that gives a lot of power to employers once employees sign these kind of take it or leave it contracts and arbitration is in place it's binding and it covers all kinds of things that are also covered by the fair labor standards act so if you think you have a wage theft claim you now have to go by yourself to private arbitration you can't ban together and go to court even though you still have your collective bargaining rights under the fairly standard so so so judge new gorsuch wrote the decision today what was his reasoning is reasoning is that the federal arbitration act which was passed in nineteen twenty five is enforceable and he said that nothing in the national labor laws changes that that essentially whether it was a good idea or not as a policy matter these employees sign these contracts and the contracts are binding and employers can enforce them and ruth bader ginsburg wrote the dissent actually summarized reasoning from the bench today which utilises rare what did she say yes she did that it's usually a sign that justice feels really strongly and what she said was that this was decision as a terrible mistake because it will lead to under enforcement of laws that are designed to protect workers and especially vulnerable workers one study estimates that in just three cities chicago la and new york city louise workers lose nearly three billion dollars a year in wages that they are old and so this decision is going to make it much harder for them to recover the money that their employers are essentially pilfering from them because it would seem instrumental tests to go by yourself too.

ruth bader ginsburg chicago theft gorsuch la three billion dollars
"court arbitration" Discussed on WSB-AM

WSB-AM

01:35 min | 2 years ago

"court arbitration" Discussed on WSB-AM

"Your credit file with a push in by yourself and you have fried resolution agents and all this other stuff thirty day trial i'd never heard of it how much do they want to charge you for that i was going to check into that by hitting the button for the thirty day trial and i don't have we'll set it i almost have i don't have an account set up with this particular credit monitoring files bureau i have i i had done the on alert by phone and then we're going to do the freeze on line i have a police report and everything so i could get it free freeze but definitely do the credit freeze especially because you can do it free the law is much more protective of you doing a credit freeze than doing one of these credit walks in addition the credit locks if the credit bureau has an oops you have no rights with them they force you into a kangaroo court arbitration and so they face essentially zero liability for being careless that the credit bureau so for that reason credit freeze especially in your case not even close since since there's no cost issue credit freeze is vastly superior in the frame print that it did seem email and it was from the credit bureau itself it wasn't a fraudulent thing it they called it a density theft insurance selling you something you has monthly.

theft thirty day
"court arbitration" Discussed on Clark Howard Show

Clark Howard Show

01:51 min | 3 years ago

"court arbitration" Discussed on Clark Howard Show

"On there but then they also received an email thing that this credit monitoring membership thing is also available where you can lock and unlock your credit file with push the button by yourself and you have fried resolution agents and all this other stuff thirty day trial i never heard of it how much do they want to charge you for the i was going to check into that by hitting the button for the thirty day trial and i don't have said i almost have i don't have an account set up with the titular credit monitoring files bureau i have i i had done the final by phone and then we're going gonna do the freeze on and i have a police report and everything so i could get it free freeze but definitely do the credit freeze especially because you can do it free is much more protective of you doing a credit freeze than doing one of these credit walks in addition the credit walks if the credit bureau has an oops you have no rights with them they force you into a kangaroo court arbitration and so they face essentially zero liability for being careless at the credit bureau so for that reason credit freeze especially in your case not even close since since there's no cost issue credit freeze is vastly superior yeah in the frank print that i did see an email and it was from the credit bureaus off it wasn't a fraudulent thing it they called it a density theft insurance they're selling you something has monthly or annual fee you don't wanna do anything like that.

theft thirty day
"court arbitration" Discussed on WSB-AM

WSB-AM

03:19 min | 3 years ago

"court arbitration" Discussed on WSB-AM

"It just smells it stinks it's rotten it's terrible and let me tell you something there is no logical explanation if you're senator either of your senators voted to put the banks above the wall to put ecwa facts above the law there's no reasonable explanation they may demagogue about lawyers and all that but the truth is in the aftermath you think about all the criminal activities that wells fargo all the things that have gone wrong in the banking sector to allow wells fargo in its brethren to be above the laws of the united states is an outrage and you're recourse now is to go into kangaroo court arbitration that is run by and four with all the rules of engagement set by the very financial institutions that have engaged in rotten terrible behavior stacked deck no due process nothing a bank engaging in illegal improper or criminal activity is exempt from oversight and the law thanks to maybe year senator to among others so when stuff like this happens you can retreat and the cynicism you can give up that's not my style it's not the way i think in it's weird we just finished switch stitch save week for banking with the idea being bit there's no reason for you to be a sitting duck for bank abuse and uni inspite of this horrific action by the us senate you still have power with your wallet your feet go somewhere where you're treated right and that very well may be a smaller woeckel bank it may be a credit union it may be an online bank and if yacht money look at the two giant discount brokers charles schwab and fidelity investments to do your banking there if you for whatever reason a nurse in your life you wanna stay with some crummy giant monster megabank that's your choice but at least don't let them chee you on your savings and least set up an online bank account so you can earn a decent rate of interest on your savings account.

senator united states bank account wells fargo senate charles schwab fidelity investments
"court arbitration" Discussed on Clark Howard Show

Clark Howard Show

02:19 min | 3 years ago

"court arbitration" Discussed on Clark Howard Show

"One of the things that came out of that was that you and i if we were cheated by a bank or by the way this also applies to ecwa facts the people who so efficiently have destroyed any ability for you to protect your identity without a lot of hard work for the rest of your life the your right to go to the courts when you've been harmed wiz excised yesterday in a 5050 vote in the us senate the tie was broken by vice president pence and it just smells it stinks it's rotten it's terrible and let me tell you something there is no logical explanation if you're senator either of your senators voted to put the banks above the law to put akwa facts above the law there's no reasonable explanation they may demagogue about lawyers and all that but the truth is in the aftermath you think about all the criminal activities at wells fargo all the things that have gone wrong in the banking sector to allow wells fargo in its brethren to be above the laws of the united states is an outrage and your recourse now is to go into kangaroo court arbitration that is run by and four with all the rules of engagement set by the very financial institutions that have engaged in rotten terrible behavior stacked deck no due process nothing a bank engaging in illegal improper or criminal activity is exempt from oversight in the law thanks to may be year senator too.

senator united states senate vice president wells fargo
"court arbitration" Discussed on WTMJ 620

WTMJ 620

03:23 min | 3 years ago

"court arbitration" Discussed on WTMJ 620

"When i think about one of the nation's four largest banks wells fargo i can't have anything other than anger in contempt and yes i have referred to wells fargo repeatedly as a criminal enterprise impersonating a bank the number of illegal activties that have gone on pit of harm consumers it's as long as your arm and wells fargo as in its every banking thing you do with them like other banks they have in there that you have to go through arbitration if you have a problem with the bank but let me tell you where that is so kuku and why wells fargo yet again is a car courageous moment flaws visa clerk wages moment so wells fargo in any other bank apparently widow away that and wells fargo successfully argued in court that people who by the millions had accounts opened in their name by wells fargo employees committing identity theft and other federal crimes and state crimes they had no right to take wells fargo to court because they account said that you were subject to arbitration now remember remember the three and a half million people never even knew that such an account was opened in their names and then wells fargo or wages to the judges but you have no right to your day in court for having been harmed by them on an account you never knew existed in you were not a party to what a clark rage state of california did something about it may have a new law in california the event account is open without your knowledge you're not subject to terms and conditions of that account how simple is that and you know the banks are going to fight it they go to their federal protectors that are supposed to be there regulators and say throw this out throw this out we shouldn't be subject to the laws of the united states summit one thing that's been so clear over the last couple of years with corporate malfeasance criminal behaviour like wells fargo is that the american people should have a right to their day in court and these canberra court arbitration clauses bitter so harmful to what our nation was all what bell have got to go you're listening to the clark howard show two here's a message for all who can.

identity theft california united states bell wells fargo canberra clark howard
"court arbitration" Discussed on Clark Howard Show

Clark Howard Show

02:36 min | 3 years ago

"court arbitration" Discussed on Clark Howard Show

"Sam for today's clark courageous moment and this is one of those times that you just got shake your head about the nation's banks you're gonna be stunned what i am going to share with you in just fifteen seconds loss riches clark reaches moment so a group of the nation's banks joined with the us chamber of commerce to file suit in federal court two okay you're gonna love this the banks went to court and filed a suit the purpose of the suit to outlaw hugh being able to sue a bank in court now you can't even make this stuff up there's new federal regulations that are going into effect that outlaw those kangaroo court arbitration things that go into your agreement with the bank or where the credit card company or whatever because they are arbitration forums that are paid for by the banks run by the banks and the bank wins just a hair under a one hundred percent of the time because the arbitrators only keep their work their work with the bank if they find for the bank sacked deck so the fed said that's not okay consumer doesn't have a fair shake fair chance and so the consumer should have a right to go to court so the banks that don't want you to have a right to go to court filed a lawsuit to overturn the federal rules that say that you should have your day in court how ehrig int how unacceptable and how ridiculous and by the way i'm gonna talk about you finding a better place to bank straight ahead so glad to have you here on the clark howard show where it's about you and your wallet i want you to learn ideas to me so that you can save more and spend less and don't wedding when ever rip you off nah there's something we do each year switch ditch save it's about you thinking through the money the you have in whatever bank you use and thinking through do you still want to be in what might be an abusive relationship.

Sam fed us hugh clark howard one hundred percent fifteen seconds
"court arbitration" Discussed on AM 870 The Answer

AM 870 The Answer

02:24 min | 3 years ago

"court arbitration" Discussed on AM 870 The Answer

"That is the whole framework of our whole justice system and then what has happened over the years in on the fifth page paging small print in some agreement to you get with your credit card you say all all things going to be subject to arbitration giving up your right to jury trial yet i've no clue you're doing anything anything like that and to get rid of the jury trial which i think is the safeguard of our society is really tough you pointed to it i think is a very disturbing trend in the law and just to give an example of a supreme court case the ficci your descriptions physical circuit city atoms manning sinclar adams applied for work it circuit sitting of course now i have explained my students would circuit city was that and it was just a standard employment application in a couple of years later he wanted to file a race discrimination suit against circuit city turns out on the back of his form in a very tiny print was language that said that in any claims arising out employment he couldn't so circuit city he he got to go to arbitration and supreme court ruled five to four did even though this was a discrimination claim or raise claim he had good arbitration he could go to court arbitration clause or no sir subcontinent in consumer contracts employed cutchet's even in medical contract doctors insisting that patients sign agreements in order to receive treatment that they won't be able to suit the doctor they'll go to arbitration this does take away the very core of the seven emirates jury trial in civil cases and then they don't tell you or by the way the fees for the arbitrator 5000 bucks go writer checked for that you know somehow they somewhat illuminate that you know the studios have been hotly commandeered by one of the arbitration companies out there and in almost every agreement now if you're the janitor at one of the major studios warner brothers paramount winner or if you're the executive producer lo and behold there's an arbitration agreement naming this particular arbitration center as being.

cutchet writer executive producer
"court arbitration" Discussed on KARN 102.9

KARN 102.9

01:51 min | 3 years ago

"court arbitration" Discussed on KARN 102.9

"Company in addition to vic is responsible for the misappropriation of million ends of dollars mcfadden filed his third lawsuit against vacant his sister jacqueline vic and her husband chey oh clark alleging the former advisor transferred assets to his sister with intent to hide them from mcfadden out of court arbitration may be required as a result of an arbitration agreement signed by the former razor back in the company years ago oh with more luck local headlines and fifteen minutes i'm chris ingram newsradio one or two point nine karn bruce komo news time is seven thank you sir well problem i've got a little information here this is kind of surprising in the world of sports i think everyone knows who tom brady is right oh yeah he's the number one on a new list of nfl's tin most underpaid players that's right underpaid he'll make 14 million this season you know quite a bit of money i would say so something about that just makes me laugh 14 million dollars underpaid here's the reason that's underpaid because nineteen quarterbacks are being paid more than that and this guy is unbelievable none of the quarterbacks who are receiving more than tom brady are the annual super bowl threat that brady has proven to be i mean this guy is an incredible quarterback he turns forty and a few weeks in a lotta people would argue he still the best quarterback in the nfl 14 million and he's underpaid as long as the balls are properly inflated as to pay length i had to have they had to take that little day was pretty good komo news time is seven or eight and we'll be back to check your traffic and weather super use is the term used to describe people who make frequent use of the emergency department.

misappropriation clark advisor nfl dollars mcfadden jacqueline vic chris ingram bruce komo tom brady super bowl 14 million dollars fifteen minutes