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Human hallucinations
Listened to a Marketplace Tech episode about AI backed banking chatbots. A line caught my attention.: Sometimes people characterize made-up statements as hallucinations. I think that’s giving a little too much humanity to a robot, but if you would be comfortable with a teller just fully making something up to a member of the public, that tells you what you’d be comfortable with your technology…
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This is what happened when a trafficking victim finally got the chance to run
This is what happened when a trafficking victim finally got the chance to run
Originally published on MARKETPLACE.org on March 3, 2016 By Dan Gorenstein
Note: This is the second of a three-part series about human trafficking and health care. You can find to the first part, about the challenges of identifying trafficking victims when they seek medical attention, here. Find the third part, about how the health care system can start making a difference, here.
Jolene Capone…
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New Post has been published on News From Banks | Banking and Investment Blog
New Post has been published on http://www.newsfrombanks.com/big-bank-outlook-slow-and-steady-marketplace-org.html
Big bank outlook: slow and steady | Marketplace.org
Bank earnings for Q2 2015 are up this week: JP Morgan Chase and Wells Fargo report their revenues and profits on Tuesday, July 14; Bank of America on Wednesday, July 15; and Goldman Sachs and Citigroup on Thursday, July 16.
Over the past several years, the biggest U.S. banks have been through financial crisis, massive bailouts and multi-billion-dollar lawsuits over their mortgage-lending and investment practices.
Now, banks face significantly more regulation and scrutiny than before, restricting how much risk they can take with their own and other people’s money. They have cut back on formerly lucrative proprietary trading as well as investment banking and deal-making activity.
All of which is keeping earnings potential low, says banking equity analyst Erik Oja at S&P Capital IQ. “It’s like it had a neutering effect on a wild animal,” says Oja. “They will certainly not be capable of the explosive growth they were capable of in a previous era. They will be much safer, much slower-growing.”
Oja predicts that the big banks will increase their profits in Q2 2015 by 2.2 percent over Q2 2014. That is after taking account of several huge legal settlements that banks paid out one year ago. Oja says the biggest potential legal liabilities are now largely behind the banks.
Karen Petrou at Federal Financial Analytics says the new regulatory regime, plus tighter underwriting standards, have helped shore up banks’ balance sheets. “The banks are sound,” says Petrou. “They have a lot more capital, they’re holding a lot more liquidity.”
The challenge for banks now, say analysts, is to increase profits in an environment of moderate domestic economic growth and volatility in overseas markets like Europe and China, and with U.S. borrowers still paying rock-bottom interest rates.
Nanobrewing is really evolving in craft beer. I myself really love having a beer that was brewed within a few miles of the bar I'm drinking it in. Very cool.
Fewer than a third of renters have renters insurance, which covers household possessions and may pick up your hotel bill if your home gets damaged. Get it!!
The People Behind Your iPad: The Workers.
For federal loans, it's obvious: he who holds the gold makes all the rules. Congress passed laws in 1976 and '78 to protect federal student loans from bankruptcy discharge because it's the federal government's money. And the federal government has provided some options for financial relief -- such as deferments, forbearances. So it's evolved over the years, but the availability of the exception to discharge hasn't led to private student lenders making loans to students who are much more likely to default on their loans. So, given that there's not public policy benefit from providing the bankruptcy discharge, there doesn't seem to be any valid reason why student loans should be in a different category than credit card debt.
Mark Kantrowitz @ http://www.marketplace.org/topics/life/education/possible-change-bankruptcy-and-student-loans
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