Security Token news for Week ending 24 January 2020

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Security Token news for Week ending 24 January 2020
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Can industry changes soften a hard property insurance market in California?

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Can industry changes soften a hard property insurance market in California?
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It’s Cyber Monday: Here Are the Best Deals at Amazon

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It’s Cyber Monday: Here Are the Best Deals at Amazon
Not to worry if you missed out on any deals on Black Friday. Cyber Monday — today — brings plenty of second chances. In fact, on Amazon, you will find many discounts that are at least as steep as they were on Black Friday — as well as deals that weren’t even available on Black Friday. Just take a look at the hundreds of deals on Amazon’s Cyber Monday site. Or... [...]
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Glass Lewis Releases 2020 US Proxy Paper Guidelines

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Glass Lewis Releases 2020 US Proxy Paper Guidelines
On November 1, Glass Lewis released its 2020 US Proxy Paper Guidelines. The updates to the voting guidelines primarily add additional factors that Glass Lewis will review when evaluating proposals and issuing its voting recommendation for shareholders. According to Glass Lewis, the updates seek to fulfill Glass Lewis’ overarching goal of protecting and enhancing shareholders’ interests by (1) continuing to increase transparency at the board level, both with respect to the selection of board members and with respect to decisions the board undertakes, and (2) discouraging companies from undertaking actions that would bypass the shareholders’ ability to vote on matters deemed important by Glass Lewis. Significant updates to the voting guidelines are summarized below. Nominating and governance committee assessment In September, the SEC issued guidance stating that when a company seeks to exclude a shareholder proposal, the SEC will inform the shareholder and the company of its position to (1) concur, (2) disagree or (3) decline to state a view with respect to the company’s asserted basis for exclusion. The SEC further clarified that, beginning with the 2019-2020 shareholder proposal season, the staff may also respond to no-action requests orally rather than in writing. Glass Lewis clarified that it will recommend voting against all members of the governance committee if a shareholder proposal is omitted and either (a) the SEC declines to state its view with respect to the company’s basis for exclusion or (b) the SEC verbally permits the exclusion, but there is no written record and the company fails to provide any disclosure regarding such relief. Glass Lewis also added additional factors that it will consider when evaluating governance committee members’ performance. In particular, Glass Lewis will recommend voting against the chair of the nominating and governance committee if (1) board and committee meeting attendance records of directors are not disclosed or (2) a director attended less than 75 percent of board and committee meetings, and the disclosure is vague to a point where it is not possible to determine such director’s identity. Audit committee and compensation committee assessments Glass Lewis also established additional factors that it will consider when evaluating audit committee and compensation committee performance. In particular, Glass Lewis will generally recommend voting against the chair of an audit committee if fees paid to a company’s external auditor are not disclosed. In addition, Glass Lewis will recommend voting against all members of the compensation committee if the board adopts a frequency proposal for its advisory vote on executive compensation and such proposal was not approved by a plurality of shareholders. Contractual payments and arrangements for executives Glass Lewis clarified that, with respect to ongoing and new contractual payments and executive entitlements, it disfavors contractual agreements that include excessive severance payments, new or renewed single-trigger, change-in-control arrangements, excise tax gross-ups, multi-year guaranteed awards and other provisions that Glass Lewis considers to be problematic. Similarly, contractual arrangements providing for problematic entitlements that are not addressed upon renewal or revision are viewed by Glass Lewis as a missed opportunity to remedy provisions unfavorable to shareholders and could lead to a negative voting recommendation. Company responsiveness to say-on-pay Glass Lewis further clarified what it considers an appropriate response to low shareholder support for prior say-on-pay proposals, including the levels of responsiveness based on the severity and persistence of shareholder opposition. Glass Lewis may recommend voting against future say-on-pay proposals if, in response to negative shareholder feedback, a company with low (less than 80 percent) support on a say-on–pay proposal fails to provide robust disclosure of engagement activities and specific changes in response to shareholder feedback. Exclusive forum provisions Glass Lewis generally recommends voting against the chair of the governance committee if the board adopts an exclusive forum provision without shareholder approval. However, Glass Lewis may now make exceptions to this policy if it can be reasonably determined that the exclusive forum provision is narrowly crafted to suit the company’s specific circumstances. In addition, Glass Lewis has made various minor clarifications and edits to its guidelines. The full text of the Glass Lewis 2020 US Proxy Paper Guidelines is available here. [...]
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The Children’s Place: 80% off Clearance = Puffer Jackets only $11.98 shipped!

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The Children’s Place: 80% off Clearance = Puffer Jackets only $11.98 shipped!
This post may contain affiliate links. Read my disclosure policy here. The Children’s Place has some HOT deals going on right now! Right now, The Children’s Place is offering up to 80% off clearance! Plus, shipping is free! There are tons of hot deals included in this sale. As a deal idea, you can score Toddler and Kid’s Puffer Jackets for as low as $11.98 shipped. These are regularly $39.95 so this is a great price. See all the clearance deals here. Thanks, Passionate Penny Pincher! [...]
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Digital Securitization as a Service, for the Capital Markets Union

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Digital Securitization as a Service, for the Capital Markets Union
In this post, I take a pulse from the securitization markets and highlight one scalable innovation in Europe – The partnership of Crosslend & SolarisBank. According to MSCI, the 2008 financial crisis was a Securitization crisis. I don`t disagree but this fact does not mean that it was the core cause of the crisis. I […] The post Digital Securitization as a Service, for the Capital Markets Union appeared first on Daily Fintech. [...]
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Is My Credit Frozen? What to Do If You’re Not Sure

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Is My Credit Frozen? What to Do If You’re Not Sure
For years, applying for credit has been a cinch, with approvals happening almost instantly. But now, if you’ve heeded expert advice and frozen your credit, there’s a new step: unfreeze your credit. If you apply for a loan or a credit card, forgetting your credit is frozen, your application likely won’t be approved. That’s because... Bev O'Shea is a writer at NerdWallet. Email: boshea@nerdwallet.com. Twitter: @BeverlyOShea. The article Is My Credit Frozen? What to Do If You’re Not Sure originally appeared on NerdWallet. [...]
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Guess what?!? I actually went to Kroger!

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Guess what?!? I actually went to Kroger!
I can’t believe it,  but I actually made it to Kroger today! And I’m only 11 weeks pregnant! For those of you who are wondering what that has to do with anything, let me explain: I usually have morning, noon, and night sickness in my first trimester and partway into my second trimester. This makes cooking, grocery shopping, or having much of anything to do with food prep entirely impossible because it just makes me too nauseous. So that’s why you haven’t seen any Kroger shopping trips here or menu plans recently. The thought of even considering grocery shopping or menu planning was pretty much completely off limits for my stomach for weeks. Jesse and Kathrynne are in South Africa right now and I was sad that that meant Jesse wouldn’t be able to run to the store to grab the Friday-Saturday deals. But then, this morning, I woke up and felt uncharacteristically not queasy (I had totally forgotten what that was even like!) I decided I just might be able to brave a quick trip to the store. And folks, I did it — and I made it out without getting sick!!! I brought this helper along with me and couldn’t have done it without him. He helped me pick out everything and scanned most of the groceries at the self-checkout. He also decided to see how high he could stack the ice cream and it still stay in the cart while he pushed it! 😉 Here’s what we bought: 5 cartons Kroger ice cream — $1.49 with Friday-Saturday deal 1 bunch marked down bananas —  $0.71 5 Danimals — $0.99 with Friday-Saturday deal 2 boxes Kroger yogurt tubes —  marked down to $0.89 each (I put these in the freezer for the kids to use in their lunches) 4 packages Jell-O cups — $0.99 each (These looked SO good to me for some reason. And then I got home and decided they didn’t look good at all. But the kids were so excited about them, so I don’t think they are going to go to waste!) 1 Hershey’s pudding cups — $2 — I grabbed this not even realizing it wasn’t Jell-O. And didn’t even realize it until I got home. Clearly, I am a little rusty at the shopping thing! 🙂 We can also blame pregnancy brain considering I also left the keys in the car and the car unlocked when I went into the store. And didn’t realize it until I got back out to the car!! Oh goodness. I might need a babysitter! Total with tax: $22.68 I can’t promise that I’ll be bringing back grocery store shopping trip posts on the regular just yet, but I am definitely celebrating that it happened today! [...]
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Amazon Prime Student | FREE 6-Month Trial!

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Amazon Prime Student | FREE 6-Month Trial!
This post may contain affiliate links. Read my disclosure policy here. Are you a college student? Check out this deal to get a FREE 6-month Amazon Prime Student membership! {Psst! Looking for other ways to save on college expenses? Check out our posts on 9 Ways to Stretch College Savings and How to Save BIG on College Textbooks.} FREE 6-Month Prime Trial for Students Amazon is currently offering a FREE 6-month membership of Amazon Prime Student to college students who have a valid .edu email address! As a student, you get access to all the regular perks of Prime! That includes FREE 2-day shipping, video streaming, Kindle Lending Library, and more. You’ll also get access to exclusive deals and promotions for college students. And after your 6-month trial is up, you can continue with a Prime membership at a 50% discount off the regular price!! Note: If you don’t want to continue after the free trial, be sure to cancel before your trial is up so that you don’t get auto-charged. Go here to sign up for FREE. [...]
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Fisher-Price Think & Learn Rocktopus

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Fisher-Price Think & Learn Rocktopus
This is such a cute toy that you can grab a great deal on right now. This toy is also educational so your child is learning while having fun. You can order the Fisher-Price Think & Learn Rocktopus for only $25.99. You will be saving 57% on this purchase because it is usually $59.99. Be ... Read More about Fisher-Price Think & Learn Rocktopus The post Fisher-Price Think & Learn Rocktopus appeared first on Penny Pinchin' Mom. [...]
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Play-Doh Numbers, Letters, ‘N Fun Set

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Play-Doh Numbers, Letters, ‘N Fun Set
Play-Doh always makes for a fun time and makes for a great gift idea as well. You can score a great deal on the Play-Doh Numbers, Letters, ‘N Fun Set right now. You are able to order this set for only $12.55. You will be saving 50% on this purchase because it is usually $24.95. ... Read More about Play-Doh Numbers, Letters, ‘N Fun Set The post Play-Doh Numbers, Letters, ‘N Fun Set appeared first on Penny Pinchin' Mom. [...]
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How to Pay for a Coding Boot Camp

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How to Pay for a Coding Boot Camp
Coding boot camps are short-term training programs with big price tags. For a typical 15-week coding boot camp, you’ll pay an average of $11,906 for in-person programs, according to Course Report, a coding boot camp review site. Coding boot camps are run by for-profit companies and are not accredited schools. That means the boot camps aren’t overseen... Anna Helhoski is a writer at NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. The article How to Pay for a Coding Boot Camp originally appeared on NerdWallet. [...]
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