21 Burst results for "Td Bank"
"td bank" Discussed on Banking Transformed with Jim Marous
"Hello and welcome to banking transform. Your host jim reuss on the digital bank reported co publisher the financial brand one of the biggest problems facing legacy banking organizations. Today is leveraging data and vans to drive digital transformation creating hyper personalized extremists supporting innovative culture and solving customer challenges with appropriate technology. One take says moore's is a data centric leader is. Td.
"td bank" Discussed on NewsRadio WIOD
"Keith Singer, which you know Smith, as promised. We're going talk about more innovative ways potentially make money without all the volatility in the stock market. We were discussing alternatives to traditional stock investments. Now, most people I talked to tell me that they would be perfectly happy making 8% per year on their stock investments. Absolutely. I hear the same thing. 8% is better than the average 20 year returns of the S and P 500 between 1999 and 2019. The S and P 500 is only average 7.16% in the last 20 years. Have you paid any management fees? Or you made some of the common investor mistakes that we talked about last segment during the down markets of 2000 won in 2008. Then you probably made much less so it's no wonder people would be happy making 8% today. A percent sounds great. In theory, if you could go to the bank and make you know 8% annualized over the course of the year with no volatility. People probably be lining up for that all day. Long. Right, however, to change for the 8% where the 7% even less that you might be making. He need to endure extreme volatility, the ups and downs and in any five year period, he might make much more than that. We're depending on the economy for the pandemic or the election, you might make much less than that. Now, One of the things that we've been using for income are structured income notes there potentially away to make 8 to 10% not in growth, but an income. They're issued by major banks, so they're subject to the credit risk of the issuing banks. But although I've traditionally used them for incomes, you know I'm starting to rethink using them as a substitute for equities. I mean, who cares if you're a nor 9% or 10% is coming in quarterly interest or if it's coming in growth, especially in an IRA right now. I actually did this about a year ago last July. I bought his truck should note that was linked to the Fang stocks Facebook, Amazon, Netflix and Google and he was paying 12% interest. As long as one of those stocks wasn't down 40%. Now I bought that I'm getting my 12.5% interest on the market went down a lot. But none of the stocks were down 40% And then it came back. And now the stocks are actually up. And I just my note would just called. So for a year and 8 12.5% interest, and during the same time period, the SNP might have been a 33%. Right. And so now we're looking at, uh, made 12.5 instead of three and I didn't have my ability. I was making my even When the market was going down. I was still making my 12.5. Right. So if I was happy, making 12.5 for a year, that's what happened and I could have the market going up 30. I would have only made 12.5, but the marketed going down 20. I would have only made 12.5, but I was happy with 12.5 on that investment for for years. So You know, we have other notes. We decision one with TD bank. It paid 8.2% with a 50% barrier on the Dow Jones, the Russell and the S and P 500 So that means is that over the next five years It was a four year note over the next four years. If neither of those indexes is down 50% you're making your 8.2%. So if it turns out, those indexes are down 10 or 20% over the next four years make Yuri Point to, it Turns out they were 20%. You make your 8.2. So if you are happy in that scenario would make it a point to whether the market's up or down. Then that would be a good alternative Equities. Don't you agree? Absolutely. So let's talk about the risk in that particular case, get a 50% barrier now over. There's really been know for your periods where Major index has been down 50% from four years earlier. They do get down 50% but not from four years earlier was typically once they get down 50%. They come back. And so by the time you know it matures, you're not down anywhere close to 50%. And if that's the case, you're gonna get all your money back now. You could be a little more aggressive. You could you know, we had a four year note where they would they only had a 40% barrier. And you know you're down. Probably 1/10 of 1% of the time over four year periods. 40%. If you look at the rolling for your periods since 1979 and for that you're making 10% instead of 8.2 So if you want to take slightly more risk, you could make more interest You want to take even less risk? You can take make less interest. But even if you could make seven or eight or 9% but very, very little risk, less risk in the stock market, That's for sure. That would be your return instead of equities. So I said, if you're happy, making 8% You might want to look in structured notes as a possibility has replacement for equities. Now, if you really want even less risk than that, you know, we have people to call us and I'm sure you have the same things. You know what they say. You know, what can we do and feeling a little nervous either Cash they want to grow and I don't want to risk their money in the market that I want to reduce my risk. I'm sure you having this conversation, right? Absolutely all the time people in retirement. I cannot put my principal at risk. I do not have the clamp arising to make back my money due to a market downturn. So we go through the scenarios. You can leave your money in Treasuries and make less than 1% a year That's safe or buy CDs make 1% a year. Or you, Khun doing indexed annuity. Right. Those your choice, right? Cash Treasuries. CDs are indexed annuities. Those are all the same things. You Khun D'oh. Now it's interesting on indexed annuities is that there is a whole new series of an ex annuities that air based on what's called a risk controlled index. So there's an index that we look at is called the Mark five. It's It's a modified version of the S and P 500. And basically when there's high volatility, it actually gets more fixed income into it is part fixed income part equities and part gold. And based on the volatility theyjust between those three asset classes and because of that, because it has less volatility, you're actually able to get the full returns. That index Right without any market risk. So every year without any fees, you get 100% returns of this more conservative index in the S and P 500. In the up years. You make what it makes in the down years, you don't lose, and it's been averaging about 6% a year historically for the last 10 years. So even if we have a really bad year where the markets down, you just get zero that year. But what'll happen is what's called an annual reset well to the SNP goes down 20%. Your index is probably going for five because it's just not as volatile as yes, but even so, even if goes down 10% next year, you're starting to make money from that lower point. Right? And the year before, if you made money that gets locked in, so every year your games get locked in every down here, you don't lose, but you start from a lower point, and that gives you the opportunity to make a lot of money. Because we don't need the market Tohave. Ah, big rise from now over the next seven years, right? We just needed to have some up years. So over the next seven years if you have Six up years or five up years ago. In four years, you're going to make money. Okay, And if we have two or three down years, it won't hurt you. So when you compare that to a treasury or CD, you'll get a much higher expected return, then the need of those with really good safety..
"td bank" Discussed on Bodega Boys
"Ask. Tillerson! Tricks. Should. motherfuckers used y'all. You would dissipate shit like when you know because I remember one of the when the dream came out with first album crazy in the. Street. I got new. Boss. Jimmy V. My. giving. Neverthe-. Play two thousand nine hundred avenue data. Reference that ball fell come to new. Still right by. The way. Yes, Hey, guys her. is their creative partnership incident in? Fifteen? Out To be back in all five. None of those kids are still alive. Okay all right. I'M GONNA I'm GonNa just message in a bottle and the shadow to Duane on from to nineteen thousand nine thousand crypts, saying. to you if you still alive I, hope you are and you're doing well. He's like he's like yeah. I live in all live in Atlanta I have three kids. I worked for the government and. I was like Oh shit. He's he's. Still GonNa bees though 'cause. My kids, I'm like what what does that mean you I remember. For. What did? What did Td Bank you Kim was? Td Bank capital one. House you on. The capital one or like no I think it was capital one. Pricewaterhouse Might Fall Yeah, it was pricewaterhouse merged with td capital, and they became td bank commerce, Commerce, commerce, man, the free lollipops in. The change counter. Rip You off to the debate one. It was like yeah. That was thirty coins. I was like I know. That was six hundred dollars quarters. There was like how do I counted? It Does I. do I'm a robot I remember robot next, please. please. Over. A bank manager at Commerzbank, and just randomly rounded I hadn't seen him in years, and I ran into him. He was his branch was in Manhattan Twenty Second Street or whatever. Syria here from around the desk at the wildblood salute, and then Co Workers I. what's? Calvin what's going on? No, he's not. My name is Alvin. was like all right I'm GONNA go. Back with your shit. Like, he's looking album. He's like a wild good father. Now he be a church and shit like that, but he told me he was bringing it back. Wow, we ended black bro. We should write about this year. He was because like now. He's like like same shit like family man. He's I like all his instagram post. I knew as they model WanNa blow them up, but like we used to. Go in and now his postal like like five miles today. Here's me and my daughter's that the park not. Mirror was talking about Ari Melber so. please. Check out the home right there. He used to put him bad work right over right. We used to. We used to call them Ariana. Grande be not because it was a slow because you should keep the Guerande clip now saying. The have..
Merger Monday, Bloomberg's Bid, Holiday Movie Recs
"Good morning everybody. Welcome to Squawk box here on. CNBC we are live from the Nasdaq market site. In Times Square becky quick along with Joe Kernan and Andrew. Ross sorkin first step on this morning's pod a couple of updates on stories we've had our eyes on or IRS's on if you get your squawk through ear buds instead of on a screen. Remember in October when French luxury conglomerate. LVMH made a bid for New York's iconic jeweler tiffany. Well they up the bed the very shiny prize a big deal. This morning of the world's largest luxury goods company has now confirmed his reached a deal to buy tiffany. This has been quite at some time in the making the price tag this time. One hundred thirty five dollars per share in cash sixteen point two billion dollars total the largest ever in the luxury sector the boards both companies approving that deal yesterday afternoon and the transaction expected to close in the middle of next year will mark the end of Tiffany's one hundred eighty two year history as a standalone brand and a little blue box isn't changing but it does reflect the changes to remain independent amid increasing consolidation across retail and adding tiffany's Eddie Murphy to the portfolio will strengthen. LVMH's position forcing watches jewelry. The group acquired Gary and back in two thousand eleven eleven like Lvmh t LVMH T- LVMH. What if I would pay? How much would that cost the figure out to add a t not to do you think they should? I think they should add T. You think it's that important. Is that valuable important as those ugly back and look but what is amazing is that they did get him up. I mean this one hundred thirty five dollar price tag came up from one hundred twenty dollars recall when when this when when they first went after him and the question I think we threw out. There was whether they'd get one hundred thirty five bucks one hundred at forty. They didn't push back if you go back. And Look at tiffany stock even two or three years ago where it was relative to where it is today so I I mean the interesting stuff therefore therefore baby gifts like a little spoon. Yes in general. I don't know it's like super retail. I think Chinese people love in China. It's big and Chinese on these sorts of come here it's really be in the United States. Just me personally. I you know when you go to forty seventh street. I'm sure not. I mean I would rather go down there. forty-two the haggle. Well just don't pay absolute top dollar for for stuff that everybody else has and another deal. We've been following following Charles Schwab effort to buy. Td Ameritrade as of this morning. That's done to Charles. Schwab Corporation is going to be acquiring. Td Ameritrade this is a story. We we first reported last week. Td Ameritrade is now naming Stephen Boyle as the interim president president and CEO suspending their CEO. Search because obviously this will be taken care of with with this deal. Charles Schwab is offering issue is going to be issuing one point eight three seven shares for every td ameritrade share. That's out there We'll continue to keep an eye on says Charles Schwab saying that. Toronto Dominion Bank's going to be holding about thirteen percent of a stake in the combined company. You could see right now. Charles Schwab shares which ran up last week on. This news are right now down by about twenty two cents to forty seven ninety eight so maintaining basically the gains that they had seen last week on this when it was first announced. Td Ameritrade shares at this point indicated by about two point three percent. That's a gain of a dollar thirteen to forty nine twenty six again after they saw gains last week as well. Charles Schwab saying that they see this deal being fifteen to twenty percent of creative give to the adjusted earnings per share in the third year in the third year of this deal Schwab right. It's going to be called Schwab. This sounds sounds like a fun thing though analysts have looked at this and said because they both have very strong trading platforms. That you won't see as much of the accretion in terms at the probably both the Charles Schwab and td Ameritrade plan trading trading platforms operating. Because they don't overlap. There's some things the. TD AMERITRADE has like options for insurance little bit stronger. Charles Schwab has a lot of things like People who will talk to you and guide you through these things because of that the probably see some analysts analysts speculating around forty percent in terms of the accretion that they can kind of combine and put these together with those both platforms need to advertise separately swap box. Random House expected to be where you will see some of the. Oh no no no I got a double double down on both platforms. They say anything. But I close with this point break- fees and I don't know I. I have not seen that to me though the two issues. That will be interesting a break-up fee whether you interesting because you think out trust issue not so much on the consumer side but potentially For for all of the investment advisers out there really I mean I think collectively collectively they have like sixty seventy percent. Would you say this is that works serious antics three so they are two things there. There may be a look. Get that and so you you care about that issue. The other issue would be about deposits that that used to stay at. Td Bank so td Ameritrade used to run all their deposits. It's into Toronto. Dominion Inter Dominion. That was actually a huge fee generator for TV bank. And so once. If you take those out I assume Schwab is going to keep those Deposits in their own bank effectively. What that does to? TD LONG-TERM SO. These are some of the questions that I think at least in baking world. They're they're probably so but I don't know I'm GONNA. We'll look great deal. That's good news for holiday. Travelers gas prices down this quarter of the lumber survey the national average falling four cents cents to two dollars and sixty six cents per gallon drop is likely due to an increase in supply now that several refinery repair projects have been completed. Also a word of warning warning triple as saying Wednesday is the worst day of this holiday week to travel with trips taking as much as four times long four times two hundred percent longer due to congestion I in some weather issues. That could be a little more difficult Wednesday out of on the East Coast here starting in Colorado and coming across do you. ooh The minivan. Yes sir. What about it? Is there a a hybrid model that you can buy make hybrid models. That'll make a cool or no. Let's give it up for just wondering why you haven't truck Tesla. Yeah that's what I was saying. Why why aren't you? Just springing brings for something electric because you need a minivan supplements. There's no electric minivans or there's no My mic one. Now they're not cheap anymore. Ah Minivans by themselves this is unlike so like so many of you. That don't walk the walk when you talk about other stuff. The vacuum cleaner in the minivan is more important than
"td bank" Discussed on News 96.5 WDBO
"Barsky, limit around her. See our producer over there as Garrett, welcome to the program you being here. So let's see Missouri. Governor Mike parson follows in the footsteps of Mississippi, Ohio and Georgia, and he signed a Bill today banning abortions on or beyond the eighth week of pregnancy without exceptions for cases of rape, and incest, making it the latest state to induce broad. New restrictions on women seeking the procedure the law, which takes effect August twenty eighth. We'll punish doctors who violate the eight week cutoff with five to fifteen years in prison. She state visits up to ninety nine years was that the Georgia. One of the states was up to ninety nine years. I was reading anyway. You said earlier that a federal court judge blocked, Mississippi's heartbeat Bill. It was a US district judge today this afternoon, he, he blocked Miami's restrictive. Abortion law is this. And apparently, there was the there was one loan abortion clinic in Mississippi only one day, actually filed the suit. Okay charge. Agreed. All right. Well, I mean, this is something that it'll be I think it's you looking at not just the south. I mean Ohio, too. So obviously the, the thought is to overturn Roe versus Wade. I don't know if going to happen, but at least they're, they're making noise and Alabama's the one with the ten to ninety nine years, of course, it is. Yeah, of course, it's Alabama. So, yeah, but that's just happened this afternoon. Now, Trump's financial records. This is the one thing that anything that our president cares about whether it anything else is everybody seemed the financial records he'd rather. See you. Knew he'd rather have everybody. See him nude walking up and down Fifth Avenue, New York. He'd rather people see those P tapes. Yes. Pennsylvania avenue. Yeah. Yeah. Exactly. Right. He'd rather have all of that out and about on, on the, the, the evening news than anybody see the, the financial records. And apparently these records are from Wells Fargo TD Bank have been turned over to the House, Democrats. And guess who's got him vaccine waters? No. The one person he doesn't want to have those records of the hands of its Maxine Waters. This woman can't wait to make problems in trouble. No wonder he's been a little testy. Yeah. Yeah. Let's see on Wednesday the president Donald junior. Erica vodka, the Trump organization lost their bid to block Deutsche Bank and Capital, One financial Corp from providing financial records to the Dem's. So they got their hands on that they still want to get the tax returns, and they're going to get that. That's not going to happen. He's going to be under audit for the next fifty years, probably the that's going to happen. So. Yeah, but I saw that, and I was like, okay, well, I guess it really is on it really is on between president in Nancy Lugosi. That's Bela Lugosi sister. She's a vampire, no banana Pelosi, I guess there was a video that with they circulated was yesterday, the doctor video of her at some of event and. Trump tweeted it. Did you re tweet it? Yeah. He re tweeted one, and then there was another that circulated around as well. There was one where they took her speech the other day when she accused him of being needing an intervention and slow to down, which is like I mean, that's an old YouTube thing. There's tons of videos of Trump slowed down like he's drunk. And then then they also there's one where the very heavily edited, there's where she stumbles and everybody else does. Yeah. And they put it together, and it really makes her look like she's completely out of her mind. I kind of like her that way to be honest. It's easy to approach her. Think she's I would like like that all the time sexy, which is crazy. There's something about a woman when she gets a little tipsy but not too drunk could we hear a little bit of the, the audio? Okay, here's in no hearing, the actual audio and then the doctor. Okay, here's the actual audio. We had a press conference in the rose garden. We all this. Sure this, you will set obviously were planned long before there. He's had a couple of cocktails. Now's the normal one. Maybe that's just two martinis in. That's the normal one. Yes. Okay. So let's hear the did one zero four AM, and then he had a press conference in the rose garden. All this. Sure, sure. This you will sit obviously were planned long before. Away. And it was really really he needs an intervention, and I need another five cocoon. Please. I'm just saying that would that would actually make it more interesting to me if she was like that all the time. So anyway, so everybody bought into two million dollars user saw the video, and they were just sharing it and say, can you believe that was hammered didn't help the Trump shared it? Well, of course he was. And he, he was standing by he's always gonna share, but they're these to these two need to serious in to get a room. Yeah. They do. They gotta get it like she's got to get a pass from her husband. And he's got to get a pass from Alania and they just get it over with just do. How much does that minutes in heaven? You ever heard that? We're talking about the president. Remember stormy Daniels story. This is more like a minute and a half. Seven minutes in heaven when he's talking about you. I'm just saying like six minutes to warm..
"td bank" Discussed on The Kinda Sleepy Podcast
"To to make the right decision. And it's a horrible. Giving your money to Canadian banks TD Bank. Everybody loves them. Hey, rush. Canada's America's hat. Oh god. Just saying, hey, south park's that said it best. America. Yeah. How parks. Good employees, probably should Reagan. Ho. I don't I don't have. I don't usually refer to women as derogatory terms. But if you're racist woman, I'm afraid she was all the derogatory terms period. Galloway scant book a whole bitch. So what's my favorite word? I'm sorry. I we just had a moment. Bye. And and this kind of gets into one of my my resolutions for the new year black bags. I really want to put my money with the black Bank mechanics and farmers is right here in my my goal is to well. We can talk about resolutions later. But one of the things that I'm focused on is really trying to support black business. But I've looked into going to a black, man. Right. And. There are you know, there are some structural issues that make going to a black Bank less convenient right, then keeping it with a traditional large institution. So anybody has a recommendation for a black Bank, or or, you know, a a black black owned financial institution that, you know, makes it easy for you to do.
"td bank" Discussed on The Nice Guys on Business Podcast
"And that as soon as you think that you're the smartest guy in the room. And that, you know, more than anybody else that you're in trouble. So I agree with you hundred percent. I definitely think there are things that not only are there things that we hold ourselves back because we don't know enough about this. But I also really love the idea of people from outside industries coming in or maybe somebody that does not have knowledge because not having knowledgeable industry means you don't have any preconceived notions through. You know, there's a story that I've told before. But I think it's a good one that you know, when TD Bank was one of the first ones to be open on Saturdays. When the the owner, the president TD Bank, which will Bank conference one time. He was like people were asking him, the other Bank owner Bank presidential. How do you get people to work on Saturdays? And he's like target. Does it make? These guys have been in their own forest of the banking business for so long. They can't see for the trees. Right. And so I think there are preconceived ideas that we have not only about podcasting. But also about business in general that are is could be opened by having outside people. Come in and say, dude, why do you do it that way? It's like well because that's what you do it. Right. No, just because you've always done it that way doesn't mean. It's not incredibly. Okay. So then we share their things that both of us. Do that are. So do we get that? We get the half a million bucks. And do we have to pay taxes on that half a million dollars? Or is it considered like an investment in the in the company? How does that even work? Well, it would definitely be an investment company. So the company that has taxes on it depends on what you do with it. You know, if you take dollars and put it into infrastructure. Let's say you buy building or you put it into advertiser or whatever then. Yeah. You don't have to pay the taxes on it. Because even vested it. So I think the first thing that we should do is we pay off the tesla. That gives you right gives you need you need a comfortable vehicle. Strickland. You can't be bound by an uncomfortable vehicle and the payment on that vehicle. I think that the payment would be too stressful for you. I really think that you should be able to to pay off the car probably really thoughtful of you. And I think we need to get your sixty four Mustang because the appearance of the company is very important. So the image of the I got it so classic yet, yet understanding the importance of technology that is the combination. This is this is the this is the the give the the yin and Yang the relationship when you get a strict one and Doug combination partnership exact have the balance we've got both sides. So anyway, so we got way off track there. So so Stephen session comes on the show, and in my in my Email, and he's the guy that was on shark tank that we just started that entire little rant there. That thing about again, always off the rails. Thank you we. So I. Opened up. My Email this morning, and I got an Email.
"td bank" Discussed on New Jersey 101.5
"It is technically a federal holiday. However, think about your own kids and their schools does your school. Does your kid's school have school today or are they closed? They have the option. Many europen. My kids are in school. Many realized my kids are in school. Yup. Goes to Jackson liberty. He is not in school OCC. She is in school. Okay. My wife works at the it is not is not open. But if it were TD Bank. It would be TD Bank is one that is open, and it's very strange too. Because you've got. You've got curriculum today that teachers Columbus was actually a villain. Columbus was violent. He was a brute. He was a slave. Owner trader whatever. And and he's not cast in the same light that he was when we went to school and read about him in our history books. It's a very different take now. And yet there are a number of schools that closed down apparently to honor Columbus on Columbus Day. How do you do both like schools in Newark or closed down? I know Clark is closed down. Long branch. I believe I looked this up. Yeah. Long branch. I looked up because I remembered there were even protests last year to tear down the Christopher Columbus statue. And yet I believe they're closed down the honor the guy. So it's a little weird. Now, do you happen to know off the top of your head? I would hope it's your own kids are your kids going to school today. Do they have off for Columbus Day or are they going to school? And then what about you? Do you have one of those jobs where you're lucky enough to have the day off? Or are you indeed working now? Being a state holiday. Most places are going to be closed motor vehicle division is certainly close. So you can't get yelled at by their workers. Today. Gotta wait till tomorrow to get yelled at. And on and on. And yet you could technically arguing that has never really estate job. I guess would be a teacher would be hired by your your municipality wouldn't really call it a state job. I guess so many teachers are working on a state holiday aren't they referred to a state worker? Yeah. I wonder actually what they would technically be though. I mean, they're drawing their paychecks from like their local board of errands. So yeah, I don't really know. Oh, and then here's another thing the financial districts. They're open like the stock exchange is open. Nasdaq that is open, but no mail delivery post office is closed UPS delivers. Right. So is this is not a holiday are you working today or do you have the day.
"td bank" Discussed on Power 106 FM
"Bad. Forget me Columbus Day. What's closed on Columbus Day, anything everything? But skinny Bank of America the post office off into a post office. I don't know how long chase Wells Fargo Bank or closed. Eight TD Bank is open. Got it. Opened up a Bank. He'll for real. Yeah. I don't know what TD Bank is. But it's so bad TV Bank. Yeah. TD bank. People took. In the DMV is close to. Yeah. DVD's close today. Post office is closed banks are closed. We don't recognize that as a holiday because we here. Yeah. That's a good question. Come on my team. We're not getting into that. Guy. I did see a me and said so it's Columbus Day. That means there's Columbus Day sales could walk into any store and just take it. Get it. Right. Let's get ratchet. Here we go. The ratchet report. Good morning. Oh, man. We'll say so pitcher this cheerleader dreams of becoming a homecoming.
US, Chief Lending Officer and Bloomberg discussed on Bloomberg Markets
"Thirty twenty pot. Stocks continue to move higher after Aurora cannabis reaches a deal to acquire South America focused. I make that ICC labs Inc. That's a Bloomberg business flash. I'm Greg Jarrett. You're
"td bank" Discussed on As It Happens from CBC Radio
"And sixty days to pay my lineup kid on the home equity line of kids. And there was no reason whatsoever and how much money did it say you had to pay the Bank back? Almost seven hundred thousand seven hundred thousand Canadian dollars. And no, no reason. It just said you always money, here's your time line. Thank you sincerely person a from TD Bank. Exactly. And so when you read that, how did you react. It's like being by this time, it wasn't easy. Did you have any more understanding at the time of why you might get a letter like this from TD involved that you want in community and my currency exchange, it's the service to other community beside Yvonne and the. I'm also involved in the cultural center that helps the newcomers Yvonne other communities. What's happened that the people come to me before, and they complain that the TD Bank closed the account. We don't give you any reason and I've been defending the Bank than, say, that's, you might have have wrongfully informing something and the Bangla pools that cone just like that giving him the music until I see billeted from the Bank myself. And so what did you do? You get clutter? What's your next step. Well, the only thing is that I had to call the Bank and the Bank at the time was closed the Knicks one night window Bank, my bench. The Bank manager knows he. They'll everybody independent on though, and he was pride is I says, you either bang manager and you went there. That's what it's like to call. And there was an answer anything. That's the message and the same phone number that he gave me that this was I'm gonna live. They have to call if I have any question and we situation was going on and on and then was no clear answer. Why? Because my com. So you find a lawyer who is willing to help you out and you take the Bank to court. What was the basis of your case against Tedi the basis that was, why did closing account they put my, I'm putting out of the business and they destroy my life. Then I came to Canada in nineteen hundred. Two, I came with the hope and the resolution I had the hope that I'm coming to the country that I will not be discriminated against the resolution to succeed. And I did in my life and my business. I five educate that kids. I was sucks when my business I was doing my due diligent according to the law, the same people that the monitor the Bank monitored me. The other me for three times to have fun, nothing wrong with my services and my due diligence and the Bank come just like that. Shut the door on me. It was hard on me. And to what did you specifically sue them for. Sudan for this losses of business and stressed that they put on me. It's it. I do not want it to. I wanted my Bank account back and business back and just tell me why? What did I do wrong? As I understand it from the reporting on this in court, the Bank eventually explained order the account closures because it wasn't comfortable with the transactions conducted with Iran in February of twenty twelve given that Canada had economic sanctions in place at that time. Exac exactly those transaction as a mad if I had the report number was reported and it was among those peewee at death. I've been audited by the government and there was nothing wrong with those. In your opinion, was there any justification here for TD being concerned with your Iranian dealings renew? I've been business have to be considered, and there is a clause in due diligence that it says KYC nor your clients. They should know that client who they're dealing with the same way that I was deal. With the people that I know how are what type of transaction I do. It took six years. The court decides in your favor. You get almost fifty thousand dollars in damages, and TD is is to pay your legal fees. Did you ever doubt that you would win. Hope. Always the nice started. It came to Canada, it's a country will then you do things right according to the book. Always the law is behind. You had your life been like during those six years of trying to get an answer. There is no word that I would explain that to me on my family that I went to in past six years. And I find that it's unjust because of the..
"td bank" Discussed on The Kinda Sleepy Podcast
"I was working for almost always a paper check. It wasn't the right deposit. And so every time I got that paper check, I would go and cashed at the Bank that it was written on which was TD bay. So the headed in this twice the first time I went and TD Bank, I go up to the counter. He's like, Hello, hi, how you doing? And payroll check is it's a payroll check is literally a payroll check right here, and I give him my license and all that. And she's like, I can't cash this chick. Okay. Why can't you cash chick. It's not showing up in our system as a chick that you know their their style of chick. Did you did you run the check? Did you check the account? Well, I'm gonna have to call somebody. I said, okay. Make your phone call. I don't like this statement is if you're going to say, you know what? We're about it and lead not I don't know. know. I want you to call somebody. It's hard eating the numbers. I know we have a number here vows column, so she caused by the answers and she's like, I can't take the said, what can I suspect? She's like, I can't give you beg either until we get this to. I cannot speak to a manager. She said what the manager will be back in a second. I said, okay, I'll wait. And I went over and I sat on the couches and I waited. And so the couches I'm paying attention to what's going on at the counter. And there's this older lady that goes up there. Now I'm listening to the whole conversation. Her check is signed in the wrong spot and it's apparently damaged. There's apparently a tear on the check to take torn somewhere and I'm sitting. What they run the check the first time and it doesn't go through like something is rejected. She let me try again. They run his latest shake two or three times in finally goes through like, okay, well, here you go, here's your money. So sorry about a -pletely over the meanwhile, I'm sitting there, you know, some some, some James in a white t shirt, which should matter. Yeah, it shouldn't, but I'm sitting there like, wow, like I'm really like while so after I'm sitting there Wayne's like fifteen minutes. I'm just gonna sit there and wait. I'm like, I'm not going nowhere without my money where my license, so I don't care what you gotta. Do you give me one the other wind or both? Preferably. So. And so she bike fifteen minutes later, a manager comes up and she calls back up to the counter in his, oh yes, that is one of their checks. Look, it's right here. She pointed the screen. She says, the call manager says, okay, we'll call this number. So she called, they confirm it. I, I'd already called HR TD Bank. They trip. And so the guy who was the the HR person, he was like, I don't know why that's happening to you. He was confused too. So I was like, okay, or, you know, it is what it is. So finally, when she she gets the confirmation she needs. She starts counting my money out dense. Anything she's like, would you like a snack cake? Damn snack cake face. Take care. What she needed this net, Kate, right? No, I don't want to snack cake. Thank you as I got a whole Facebook video about it. This was a little over a year ago. Well, probably I'll probably two years ago now, but the same thing at that same branch happened when not the same exact situation with the same thing happened to their branch. I started working for that contracting company again, not too long ago, and at my last check once again came in the paper check. I'll go to that back and I go to the counter with my license and everything. Same license, all that they've Steph cast sugar before and they will. I. We have to call somebody and we have to verify this the right check. 'cause I don't see this checking our system are, you know it seems like for Yana to do a lot of business with this Bank have Ren, they payroll three is seems like our really don't have a lot of information on this company that's a multinational company..
Starbucks loses pay case in California
"Person that's going to be like seven two thousand five little money news we check in with president is getting ready to do a victory lap here pretty quick that we're going to carry here on KOA NewsRadio the good economic news that analysts and. President Trump at forecast did arrive on schedule the initial estimate from the Commerce Department for second quarter shows. GDP growth at an annualized rate of four point, one percent that is the fastest growth in, four years and a pretty big jump from the two point two percent. Growth economy registered in the first quarter not much. Reaction so far from, Wall Street, but we are still a couple, of minutes ahead of the opening bell now they go together like a horse and carriage then the Maritz van, the marriage? Actually. Frank is love and money but I know that Doesn't work for the, rhyme in the song according to TD bank's fourth annual. Love and money survey a third of married. Couples argue about money at least once a. Month that all wanted five delay buying. A, home, because. Of financial stress the survey also shows more than a third of Americans live paycheck to, paycheck Disney's the latest company to. Say so long to plastic straws and stir sticks company says it'll ditch them at its locations around the world by the middle of next year Disney will also reduce the number of plastic shopping bags used at its parks and on cruises SeaWorld and Busch gardens have announced similar policy a court ruling in California could impact the way. Workers are paid across the country the California Supreme Court says Starbucks has to pay workers for work related. Duties that go minutes or even seconds after workers, scheduled and of shift the case opens the, door for additional lawsuits for companies that don't pay workers for off the. Clock chores like closing walking up the.
"td bank" Discussed on KUGN 590 AM
"Big banks. Shrink the number of expensive branches they operate Bank of America has seventeen, hundred fewer branches than it did ten years ago twenty eight. Percent fewer than they did ten years ago I don't know why. Anybody does business the Bank of America anyway it is a big Bank but they suck I always see I'm, in Manhattan so it real, estate is obviously at a premium, or any other, major city it's the same way banks. Take up so much space and. Every time. I look at it doesn't matter what the, branches were there it's chaser TD Bank or Bank of America they're all empty there's like one or two there's, a bunch of empty cubicles one or two people working inside it must just be, for show at this point because why are people who need loans than to sign. Documents that much space it must do they don't need that? Much space, people want service my little That I have been adds his I was eight years old here. In framingham three branches there are service people era four offices and four I mean in each of the officers there are four cubicles and they. Filled all the time with people. Wanting to buy and sell Thing because, in New York City it's something that like New Yorkers joke about it's just empty cavernous spaces Here in, the service in the, suburbs of DC even if you want service. You don't really get it because yes they have the space but there's only like two people were. Inside so you still have to go and wait in line behind, all the other people who want service so. As you're of service service No it's not light it. Yeah go ahead keep growing ladies You don't do? It do any of you, go see a service. Personnel anytime never sometimes only for work but not for myself now I have this lady that I've been. My friend since we're about the same age as, I am she takes care. When I walk in the door go to, her for, deposits we talk about. What's, going on in town. Very, pleasant twenty. After.
Intel scandal: CEO Brian Krzanich resigns over relationship with employee - Hardware
"Some traditional brick and mortar retailers rose on the news nordstrom added two percent and intel fell two percent after its ceo resigned brian chrysanthemum is stepping down after the company learned he had a relationship with an employee intel said the relationship was consensual but violated company policy business reports at eight and thirty eight past the hour i'm john metaxas bloomberg business on wbz newsradio ten thirty k john thank you tom cuddy was sports coming up in just a moment this story mechanical problems caused a boston harbor cruise ship to slam into six smaller sailboats that were more they weren't even moving in boston harbor today this all happened with three hundred and twenty eight people on board passengers including a group of kids on a field trip from a newton middle school no one was injured a couple of accused bank robbers are under arrest prosecutors say they tried to rob a bank and holliston last year are cohen with more in the story a man and a woman are under arrest charged with robbing a td bank branch in holliston last october wearing masks thirty year old oliver walsh originally from hope dale massachusetts was arrested in pottsville pennsylvania wednesday night thursday morning police arrested thirty three year old patricia dessino of milford both were taken into custody without incident and charged with armed bank robbery while masked and possession of a firearm in the commission of a felony art cohen wbz newsradio ten thirty all right let's talk about launch poor parents in the city of boston rely on free school lunches for their kids but what happens when it's summer it's been a problem until now.
"td bank" Discussed on The Stephen A. Smith Show
"You know quit you're not throwing games nobody's accusing you of that but golick sid no this because unlike unlike us he played professional sports he was a football player in the national football league so guess what you can speak to this when you know you're not good enough as a team when you see guys this fallen apart at the seams when you look like the uphill climb is so steep that you like it's not about quitting it's about like damn what's so much we can do was i wrong last year ladies and gentlemen when lebron james and the cleveland cavaliers beat the boston celtics and lebron's james was interviewed at td bank garden in boston and that right after the win over the celtics and the conference finals he was asked about to go to state warriors and he's only want think about that i'm john you won't stress myself with it i mean that's obviously be a tremendous challenge blah blah blah blah blah they walked into the finals no one didn't have a chance his words basically screamed of that notion and then they proved it when it got bounced out five games they didn't quit they didn't give up but i'm just talking about being humbled and why why that i'm talking about being humbled as a competitor where you're on the court and you're just no your overmatched that's what i'm talking about and if you know you're overmach and you know based on the personnel that you have available to you that's a chance of slim to none.
"td bank" Discussed on Reveal
"Right even when the africanamerican applicants actually make more money god and i told laura another thing we learned about td bank it has thirty six branches in philly do you want to guess how many of them are in majority african american neighborhoods i would guess zero or one zero they don't have a single branch in in a black neighborhood not one great in the majority black neighborhood but td bank calls itself america's most convenient bank in aaron how do they compare with other banks all the other big banks in philly have at least one or two branches that serve the black community so what did td bank have to save themselves they wouldn't talk to us but they sent a statement it says td is fully committed to offering the financial access resources and education our customers need to meet their financial goals across all of our communities and then it goes on to say quote t dis denial rates for all lending products across all races ethnicities and consumer segments show similar patterns this demonstrates that td bank makes credit decisions based on each customers credit profile not on factors such as race or ethnicity so they claim they don't discriminate greg but here's what's not in their statement when you look at all the large judge banks in america td bank is the most likely to deny alone application from a black person or latino so laura making who are both wide they got alone really easy but after a year and a half of trying rachelle who is black was still struggling to get alone.
"td bank" Discussed on Reveal
"And you're a radio producer in a graduate student correct after like a five minute phone call they ended up going with td bag a big east coast begg it gave them alone that was more in line with their budget so this was two hundred thousand dollars to a five two five and what did you put down six thousand you put six thousand dollars down so vets like three percent three percent down they got a great deal thanks to the community reinvestment act the 40yearold law requires banks to lend to low income people but it also requires them to lend anyone buying in poor neighborhoods in order to meet its obligations under the law td bank offered lower in megan great terms we have this special mortgage you can put a really small amount down which was good for us because we barely had any thing to put down we had to put down like the minimum the community reinvestment act was designed to lift up communities but it was written back in the '70s and it didn't anticipate jansher vacation in philadelphia and other cities across america upwardly mobile whites are now buying homes in the inner city this part of west philidelphia is seventy percent african american but reveal found most of the loans here are going to white people like laura and megan okay so basically they've got like to wait lennon with barely any savings to make like the lowest possible contribution to get a conventional mortgage and they gave it to us we found that td bank were lower in making got their loan out of all the big banks in philadelphia it was the most likely to deny home loans to african americans nearly twothirds of all black applicants over the last five years i showed laura a list of everyone who applied for a loan from td bag sure enough there were many africanamericans who made more than a hundred thousand dollars a year who were turned down their denying two thirds of black mortgage applicants.
"td bank" Discussed on The Stephen A. Smith Show
"Well anthony davis showed up the other night and reminded him a what a numberone option is by the way after a drop of forty eight and seventeen or the knicks anthony davis then went to td bank garden in boston massachusetts last night plan against the numberone seeded boston celtics would carry ervin and jaylen brown jason tatum and al horford at all of these boys and what did anthony davis do 25 in the first half he finished would 45 in sixteen laser gentleman on this year but is your he is averaging twenty seven and ten on fifty six percent shooting anthony davis is the real deal i don't wanna hear all of this greek freak stuff okay because god driver to what you want to believe that contrary to what you want to recognize i got knows y'all foley all out there don't wanted to dismiss anthony davis an act like he's just another player can a he's been in the league forever are blablabla their yacht literally the do new no no jonathan tech jarred me a favor please could go out again anthony davis is aa rpker did you grab a place because everybody talks about them like he's been around for ages now i want one of these young guys branch them as this nineteen or twenty years older greek freak is twenty one twenty two years old oh my god steven what are you talking about stopped the presses stopped the presses.
"td bank" Discussed on WSB-AM
"Hand to that's one triple eight eight two five fifty two fifty four and as you're calling in where you get started with our global tech news update in the got to talk about at once more it's been weeks since we learned about the whole echo facts deal how they manage the lead hackers get the personal information shen on a hundred and forty three million americans yes i checked website guess i'm one of them on that list and the bad news just continues and it's actually spreading like wildfire this weekend because what's going on now is that the digital thieves the scammers they're sending out hundreds of thousands of fishing emails impersonating all these different banking institutions the fake males look like they're coming from major firms like bank of america and td bank and the emails look really legitimate other things of the past review had a fishing emails say has a you typos looks like it's from nigeria in this one has all the trappings in official email noticed you get the banks la go a confidentiality statement at the bottom the message itself notifies you that there's a secure message for you they can only be viewed airs red flag by downloading and attachment once you download the attachment you know what happens scammers takeover your device they start running lucious code they tracked everything they do they take over so keep your guard up at if you have any older family members in your circle be sure you tell them but it's not just the fishing emails that you have to be concerned about because scammers are also going after your good credit but this is quite frightening they want your medical records to let me explain let's say that you need a liver transplant you go through all the tests and procedures and so it's like you're ready to sign up for it but then they come back to you after the off his cheques your medical records and they say you know it you cannot have a liver transplant because you've already had one and you're like whoa i would know if i had a liver transplant i never had one before they said well according to your medical records and you're social security number you've already had that so when this breach happens is not just limited to your credit card numbers of course i mean they now have access to your medical information so what you need to do is to make sure.
"td bank" Discussed on WCTC
"Hand to that's one triple eight eight two five fifty two fifty four and as you're calling in where you get started with our global tech news update in the got to talk about at once more it's been weeks since we learned about the whole echoed facts deal how they manage the let hackers get the personal information on a hundred and forty three million americans yes i checked website guests i'm one of them on that list and the bad news just continues and it's actually spreading like wildfire this weekend because what's going on now is that the digital thieves the scammers they're sending out hundreds of thousands of fishing emails impersonating all these different banking institutions the fakie males look like they're coming from major firms like bank of america and td bank and the emails look really legitimates other things of the past riviera fishing email say has a few typos looks like it's from nigeria in this one has all the trappings an official email noticed you got the banks la go a confidentiality statement at the bottom the message itself notifies you that there is a secure message for you that can only be viewed airs red flag by downloading an attachment once you download the attachment you know what happens as scammers takeover your device they start running lucious code track everything they do they take over so keep your guard up at if you have any older family members in your circle be sure you tell them but it's not just the fishing emails that you have to be concerned about because scammers are also going after your good credit but this is quite frightening they want your medical records to let me explain let's say that you need a liver transplant you go through all the testing procedures and silently it's like you're ready to sign up for it but then they come back to you after the off his cheques your medical records and they say you know it you cannot have a liver transplant because you've already had one and you're like whoa i would know if i had a liver transplant i never had one before they said well according to your medical records and you're social security number you've already had that so when this breach happens is not just limited to your credit card numbers of course i mean they now have access to your medical information so what you need to do is to make sure.