Wells Fargo Quotes

There's never just one cockroach in the kitchen.

I love your personality," I said with wide eyes and an open smile. I had used this look before when a bank teller at Wells Fargo had threatened to put a ten-day hold on a check from my father because my average balance was $3.56.

It's not enough to do something well, you have to make some noise about it, and to really be appreciated you have to be ready to show people just what it is you do and what it is about how you do it that makes you so special.

Seemingly unperturbed by the lack of a beneficial owner’s name on such a large transfer—a glaring red flag—Wells Fargo let it through, just a tiny drop in the pool of trillions of dollars that U.S. correspondent banks process every day.

In a federal lawsuit, Baltimore officials charged Wells Fargo with targeting black neighborhoods for so-called ghetto loans. The bank’s “emerging markets” unit, according to a former bank loan officer, Beth Jacobson, focused on black churches.

New Rule: Republicans must stop pitting the American people against the government. Last week, we heard a speech from Republican leader Bobby Jindal--and he began it with the story that every immigrant tells about going to an American grocery store for the first time and being overwhelmed with the "endless variety on the shelves." And this was just a 7-Eleven--wait till he sees a Safeway. The thing is, that "endless variety"exists only because Americans pay taxes to a government, which maintains roads, irrigates fields, oversees the electrical grid, and everything else that enables the modern American supermarket to carry forty-seven varieties of frozen breakfast pastry.Of course, it's easy to tear government down--Ronald Reagan used to say the nine most terrifying words in the Englishlanguage were "I'm from the government and I'm here to help." But that was before "I'm Sarah Palin, now show me the launch codes."The stimulus package was attacked as typical "tax and spend"--like repairing bridges is left-wing stuff. "There the liberals go again, always wanting to get across the river." Folks, the people are the government--the first responders who put out fires--that's your government. The ranger who shoos pedophiles out of the park restroom, the postman who delivers your porn.How stupid is it when people say, "That's all we need: the federal government telling Detroit how to make cars or Wells Fargo how to run a bank. You want them to look like the post office?"You mean the place that takes a note that's in my hand in L.A. on Monday and gives it to my sister in New Jersey on Wednesday, for 44 cents? Let me be the first to say, I would be thrilled if America's health-care system was anywhere near as functional as the post office.Truth is, recent years have made me much more wary of government stepping aside and letting unregulated private enterprise run things it plainly is too greedy to trust with. Like Wall Street. Like rebuilding Iraq.Like the way Republicans always frame the health-care debate by saying, "Health-care decisions should be made by doctors and patients, not government bureaucrats," leaving out the fact that health-care decisions aren't made by doctors, patients, or bureaucrats; they're made by insurance companies. Which are a lot like hospital gowns--chances are your gas isn't covered.

In every office I’ve worked, word of complimentary cake races through the ranks of the cubicle class like it’s a rumor about the Wells Fargo wagon showing up in River City, Iowa. Free break room cake is a blessing, a gift from some benevolent force that asks nothing of you in return. Free break room cake offers you an opportunity to share a portion of some other person’s joy, both literally and figuratively. In a space built on capitalist power structures, free break room cake reminds you that you don’t need to produce anything to be deserving of a little sweetness.

People respond well to managers who stop being bosses and start being leaders. They go the extra mile if they genuinely believe that your success is their success and vice versa.

People respond well to managers who stop being bosses and start being leaders.

The top eight coal power financiers were Citigroup, Barclays, JPMorgan Chase, Bank of America, Royal Bank, Wells Fargo, and Morgan Stanley. In 2016, JPMorgan Chase, while paying lip service to the Paris climate accord, poured $6.9 billion into the dirtiest fossil fuels on earth, and was top banker on Wall Street in tar sands oil, Arctic oil, ultra-deep water oil, coal power, and LNG

I wish I could answer your question. All I can say is that all of us, humans, witches, bears, are engaged in a war already, although not all of us know it. Whether you find danger on Svalbard or whether you fly off unharmed, you are a recruit, under arms, a soldier." "Well, that seems kinda precipitate. Seems to me a man should have a choice whether to take up arms or not." "We have no more choice in that than in whether or not to be born." "Oh, I like choice, though," he said. "I like choosing the jobs I take and the places I go and the food I eat and the companions I sit and yarn with. Don't you wish for a choice once in a while ?" She considered, and then said, "Perhaps we don't mean the same thing by choice, Mr. Scoresby. Witches own nothing, so we're not interested in preserving value or making profits, and as for the choice between one thing and another, when you live for many hundreds of years, you know that every opportunity will come again. We have different needs. You have to repair your balloon and keep it in good condition, and that takes time and trouble, I see that; but for us to fly, all we have to do is tear off a branch of cloud-pine; any will do, and there are plenty more. We don't feel cold, so we need no warm clothes. We have no means of exchange apart from mutual aid. If a witch needs something, another witch will give it to her. If there is a war to be fought, we don't consider cost one of the factors in deciding whether or not it is right to fight. Nor do we have any notion of honor, as bears do, for instance. An insult to a bear is a deadly thing. To us... inconceivable. How could you insult a witch? What would it matter if you did?" "Well, I'm kinda with you on that. Sticks and stones, I'll break yer bones, but names ain't worth a quarrel. But ma'am, you see my dilemma, I hope. I'm a simple aeronaut, and I'd like to end my days in comfort. Buy a little farm, a few head of cattle, some horses...Nothing grand, you notice. No palace or slaves or heaps of gold. Just the evening wind over the sage, and a ceegar, and a glass of bourbon whiskey. Now the trouble is, that costs money. So I do my flying in exchange for cash, and after every job I send some gold back to the Wells Fargo Bank, and when I've got enough, ma'am, I'm gonna sell this balloon and book me a passage on a steamer to Port Galveston, and I'll never leave the ground again." "There's another difference between us, Mr. Scoresby. A witch would no sooner give up flying than give up breathing. To fly is to be perfectly ourselves." "I see that, ma'am, and I envy you; but I ain't got your sources of satisfaction. Flying is just a job to me, and I'm just a technician. I might as well be adjusting valves in a gas engine or wiring up anbaric circuits. But I chose it, you see. It was my own free choice. Which is why I find this notion of a war I ain't been told nothing about kinda troubling." "lorek Byrnison's quarrel with his king is part of it too," said the witch. "This child is destined to play a part in that." "You speak of destiny," he said, "as if it was fixed. And I ain't sure I like that any more than a war I'm enlisted in without knowing about it. Where's my free will, if you please? And this child seems to me to have more free will than anyone I ever met. Are you telling me that she's just some kind of clockwork toy wound up and set going on a course she can't change?" "We are all subject to the fates. But we must all act as if we are not, or die of despair. There is a curious prophecy about this child: she is destined to bring about the end of destiny. But she must do so without knowing what she is doing, as if it were her nature and not her destiny to do it. If she's told what she must do, it will all fail; death will sweep through all the worlds; it will be the triumph of despair, forever. The universes will all become nothing more than interlocking machines, blind and empty of thought, feeling, life...

why I hate Wells Fargo and Bank of America. These big banks are pieces of shit. They rip you off, charge near-extortionate fees, and use deceptive practices to beat down the average consumer. Nobody will speak up against them because everyone in the financial world wants to strike a deal with them. I have zero interest in deals with these banks. If you use them, don’t. You’re asking to be mistreated if you do. Google “Ramit best accounts” for the best checking and savings accounts and credit cards. I make no money from these recommendations. I just want you to avoid getting ripped off.

As always, behind the flow of money necessary for such mergers and acquisitions were the banks. Once there were hundreds of banks in America, owned by individuals and local families. But due to government regulations put into place during the Reagan-Bush years, these banks either faded away or consolidated. In 1990, there were thirty-seven major banks in the U.S. By 2009, buy-outs, mergers, and bankruptcies had reduced this number to four. Those left standing were Citigroup, JPMorgan Chase, Bank of America, and Wells Fargo, according to the General Accounting Office. Ominously, in June 2012, the giant global rating agency Moody’s downgraded the ratings of Bank of America, Goldman Sachs, and JP Morgan, citing concerns for the stability of the world’s financial system.

the Big Three own, which include America’s major airlines (American, Delta, United Continental), much of Wall Street (JPMorgan Chase, Wells Fargo, Bank of America, Citigroup) and car makers such as Ford and General Motors. Together, the Big Three are the largest single shareholder in almost 90 per cent of firms listed in the New York Stock Exchange, including Apple, Microsoft, ExxonMobil, General Electric and Coca-Cola. As for the dollar value of the Big Three’s shares, it has too many zeros to mean much. At the time of writing, BlackRock manages nearly $10 trillion in investments, Vanguard $8 trillion and State Street $4 trillion. To make sense of these numbers: they are almost exactly the same as the US national income; or the sum of the national incomes of China and Japan; or the sum of the total income of the eurozone, the UK, Australia, Canada and Switzerland.

Asheville Citizen-Times newspaper, which reported how a man – his name isn’t given – walked into a branch of Bank of America, picked up a deposit slip and wrote on it: This is a stickkup. Put all you muny in this bag. Then, like all polite robbers, he waited in a queue to hand the note to the teller. As he stood there, he started worrying that someone might have seen him write the note, and that the police could be called before he reached the window. Thinking quickly – or as quickly as he was able – he left the Bank of America and hurried across the street to a branch of the Wells Fargo Bank. There he again waited in a queue for a few minute, until it was his turn to see the teller. He handed her the note and she read it. Realising that he wasn’t the sharpest knife in the drawer, she told him that, unfortunately, she couldn’t accept the demand because it was written on rival bank’s stationary; he would either have to rewrite the note on a Wells Fargo slip, or go back to the Bank of America. ‘Looking somewhat defeated, the man left the Wells Fargo Bank,’ says the Citizen-Times. He was arrested a few minutes later – in the queue back over at the Bank of America.

In other words, you need to be a bureaucracy in order to survive one. This is the overwhelming narrative of modern American economics, that the individual, particularly the individual without a lot of money, is inherently overmatched. He’s a loser. And if he falls into any part of the machine, he goes straight to the bottom. And then there’s the most disturbing truth of all. People assume that a system that favors the rich likes rich people. This isn’t true. Our bureaucracies respond to the money rich people have, and they bend to the legal might the rich can hire, but they don’t give a damn about rich people. You can be rich and still fall into any one of a dozen financial/legal meat grinders, from an erroneously collapsed credit score to a robo-signed foreclosure to a stolen identity to a retirement account vaporized by institutional theft and fraud. The system eats up rich people, too, because it’s not concerned with protecting any individuals, even the rich ones. These bureaucracies accomplish just two things: they make small piles of money smaller and big piles of money bigger. It’s a system that doesn’t care whose hands end up holding the bag, or how long those hands get to hold the bag. It just relentlessly creates and punishes losers, who get to sit beneath an ever-narrowing group of winners, who may or may not stay on top for long. What does get preserved, in all cases, is a small constellation of sprawling, interconnected financial companies, whose names and managements may change (Bear becomes Chase, Wachovia becomes Wells Fargo, etc.), but whose entrenched influence remains the same. In other words, this is a machine that loves and protects money but somehow hates all people.

Witches own nothing, so we’re not interested in preserving value or making profits, and as for the choice between one thing and another, when you live for many hundreds of years, you know that every opportunity will come again. We have different needs. You have to repair your balloon and keep it in good condition, and that takes time and trouble, I see that; but for us to fly, all we have to do is tear off a branch of cloud-pine; any will do, and there are plenty more. We don’t feel cold, so we need no warm clothes. We have no means of exchange apart from mutual aid. If a witch needs something, another witch will give it to her. If there is a war to be fought, we don’t consider cost one of the factors in deciding whether or not it is right to fight. Nor do we have any notion of honor, as bears do, for instance. An insult to a bear is a deadly thing. To us... inconceivable. How could you insult a witch? What would it matter if you did?” “Well, I’m kinda with you on that. Sticks and stones, I’ll break yer bones, but names ain’t worth a quarrel. But ma’am, you see my dilemma, I hope. I’m a simple aeronaut, and I’d like to end my days in comfort. Buy a little farm, a few head of cattle, some horses...Nothing grand, you notice. No palace or slaves or heaps of gold. Just the evening wind over the sage, and a ceegar, and a glass of bourbon whiskey. Now the trouble is, that costs money. So I do my flying in exchange for cash, and after every job I send some gold back to the Wells Fargo Bank, and when I’ve got enough, ma’am, I’m gonna sell this balloon and book me a passage on a steamer to Port Galveston, and I’ll never leave the ground again.” “There’s another difference between us, Mr. Scoresby. A witch would no sooner give up flying than give up breathing. To fly is to be perfectly ourselves.” “I see that, ma’am, and I envy you; but I ain’t got your sources of satisfaction. Flying is just a job to me, and I’m just a technician. I might as well be adjusting valves in a gas engine or wiring up anbaric circuits. But I chose it, you see. It was my own free choice. Which is why I find this notion of a war I ain’t been told nothing about kinda troubling.” “Iorek Byrnison’s quarrel with his king is part of it too,” said the witch. “This child is destined to play a part in that.” “You speak of destiny,” he said, “as if it was fixed. And I ain’t sure I like that any more than a war I’m enlisted in without knowing about it. Where’s my free will, if you please?

V roce 2010 se Adam Grant, profesor managementu na Wharton School of Business na University of Pennsylvania a autor knihy Dávat a brát: Skrytá dynamika úspěchu, rozhodl zkoumat efektivitu fundraisingového oddělení, které vedl jeho kolega, a porozumět tomu, co funguje a co ne. Práce byla jednoduchá: zaměstnanci obvolávali absolventy a snažili se je přesvědčit, aby věnovali peníze do stipendijního fondu pro mimořádné studenty, jejichž rodiny si nemohou dovolit platit za vysokou školu. Volající byli instruováni, aby popsali zoufalou finanční situaci univerzity a působivé úspěchy budoucích příjemců. Absolventi se dozvídali, že univerzita potřebuje více investovat například do informatiky nebo manažerských oborů, aby vychovala novou generaci lídrů. Koneckonců, jde o budoucí pracovní sílu nové ekonomiky, vysvětlovali volající. Podle všeho byla tato prezentace docela inspirující. I přes veškeré své úsilí však fundraiseři měli jen malý úspěch. Jejich čísla se nezlepšila, ani když vysvětlovali, jak těžce recese postihla rozpočet univerzity. Jejich práce navíc připomínala běžnou práci – zahrnovala opakující se úkoly, dlouhé hodiny sezení a občas také nepříjemné zákazníky. Netřeba dodávat, že fluktuace pracovníků tohoto oddělení byla mimořádně vysoká, což pracovní morálku jen zhoršovalo. Proto Grant přišel s nápadem, jak efektivitu volajících zlepšit… a trvalo to jen pět minut. Profesor Grant zařídil, že studenti, kteří obdrželi stipendia, přijdou do kanceláře a během pěti minut fundraiserům popíší, jak obdržené stipendium změnilo jejich život. Studenti jim řekli, jak moc si cení jejich těžké práce. Přestože lidé, na jejichž životy měla práce oddělení dopad, s volajícími pobyli jen krátce, výsledky byly ohromující. V následujícím měsíci fundraiseři zvýšili svůj průměrný týdenní příjem o více než 400 procent. V jiné podobné studii volající zvýšili čas strávený na telefonu o 142 procent a o 171 procent výši získaných finančních prostředků. Jako sociální zvířata potřebujeme vidět skutečný, hmatatelný dopad našeho času a úsilí, aby práce měla smysl i pro nás, abychom byli motivováni se zlepšovat. Tato logika se zdá být v souladu s Milgramovými zjištěními, v tomto případě je však výsledek pozitivní. Pokud jsme schopni fyzicky vidět pozitivní dopad našich rozhodnutí nebo práce, nejen že máme pocit, že naše práce stojí za to, ale také nás inspiruje k usilovnějšímu výkonu. Kontrolní skupina, kterou studenti nenavštívili, nevykazovala zlepšení prodeje ani netrávila na telefonu více času. Třetí skupina, která si prostě vyslechla manažera, jak moc stipendium pro studenty znamenalo, svou výkonnost také nijak nezvýšila. Jinými slovy, když nám šéf řekne, jak je naše práce důležitá, zdaleka se to nevyrovná tomu, uvidíme-li to sami. Na úvěrovém oddělení Wells Fargo Bank měli podobnou zkušenost. Když pozvali zákazníky do banky, aby popsali, jak jim úvěr změnil život – jak jim umožnil koupit si dům nebo splatit dluh – mělo to dramatický vliv na motivaci zaměstnanců banky, aby pomohli i dalším lidem. Na vlastní oči viděli, jaký dopad měla jejich práce na něčí život. Jedná se o významný posun v tom, jak zaměstnanci vnímají svou práci, že má skutečně smysl. Aniž by si toho nutně byli vědomi, mnozí pak přestali chodit do práce, aby prodávali úvěry, ale aby pomáhali lidem. Další důkaz toho, jak moc se kvalita naší práce zlepšuje, můžeme-li si výsledky spojit s lidskou bytostí, byl pozorován ve studii, která zjistila, že radiologové velmi zpřesnili svá zjištění, pokud rentgeny, které zkoumali, byly doplněny o fotografii pacienta. Adam Grant uskutečnil jinou studii mezi záchranáři v jednom rekreačním stře

The temperature in the room seems to have gone up about ten degrees. My armpits are sweating and I notice myself vigorously massaging my left hand with my right hand. I am clenching my jaw tight and my body seems rigidly fit for a casket. But enough relaxing, it’s time to do what I have to do. I pull out my keyboard and log in to my bank account. Wells Fargo’s website takes about as long as the Mesozoic era lasted to load. In that time the atmosphere in my shirt seems to have sweltered to that of the Sahara desert. Finally, my account information fills the screen. $12.72 is the amount the bank says is in my account. This is great news. With this much money, it means that my net worth is only negative $74,987.28, as opposed to the negative $75,000 I imagined. All my fears were completely unfounded!

McNeil, who was a pretty observing man about some things, found that California was 'The only country in which I have seen true democracy prevailing.

When Franklin Graham recently called for a boycott of gay-friendly companies on his Facebook page, it quickly became apparent that to follow through on his own initiative, he’d need to delete his Facebook account (he didn’t), stop using any Microsoft software, and shut down all Apple devices. When he publicly moved the bank accounts of the Billy Graham Evangelistic Association to BB&T Bank in protest of a Wells Fargo ad featuring a lesbian couple and their daughter, it generated this Miami Herald headline: “Billy Graham Group Moving Money to BB&T, Sponsor of Miami Beach Gay Pride Fundraiser.”110

Imagine if Wells Fargo had adopted an agile approach to strategy: the company's top management would then have taken repeated instances of missed targets or false accounts as useful data to help it assess the efficacy of the original cross-selling strategy. This learning would then have triggered much-needed strategic adaptation.

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sit on a man’s back, choking him and making him carry me, and yet assure myself and others that I am very sorry for him and wish to ease his lot by all possible means—except by getting off his back.”[1] True then and there, and true now and here. There is so much poverty in this land not in spite of our wealth but because of it. Which is to say, it’s not about them. It’s about us. “It is really so simple,” Tolstoy wrote. “If I want to aid the poor, that is, to help the poor not to be poor, I ought not to make them poor.”[2] How do we, today, make the poor in America poor? In at least three ways. First, we exploit them. We constrain their choice and power in the labor market, the housing market, and the financial market, driving down wages while forcing the poor to overpay for housing and access to cash and credit. Those of us who are not poor benefit from these arrangements. Corporations benefit from worker exploitation, sure, but so do consumers who buy the cheap goods and services the working poor produce, and so do those of us directly or indirectly invested in the stock market. Landlords are not the only ones who benefit from housing exploitation; many homeowners do, too, their property values propped up by the collective effort to make housing scarce and expensive. The banking and payday lending industries profit from the financial exploitation of the poor, but so do those of us with free checking accounts at Bank of America or Wells Fargo, as those accounts are subsidized by billions of dollars in overdraft fees.[3] If we burn coal, we get electricity, but we get sulfur dioxide and nitrogen oxide and other airborne toxins, too. We can’t have the electricity without producing the pollution. Opulence in America works the same way. Someone bears the cost.

American Express (AXP) Apple (AAPL) Bank of America (BAC) Bank of New York Mellon (BK) Charter Communications (CHTR) The Coca-Cola Company (KO) Delta Air Lines (DAL) Goldman Sachs (GS) JPMorgan Chase (JPM) Moody's (MCO) Southwest Airlines (LUV) United Continental Holdings (UAL) U.S. Bancorp (USB) USG Corporation (USG) Wells Fargo (WFC)

Yet other men came with the idea of setting up links between the East and the West. In 1850 Henry Wells and his partner, William Fargo, were operating American Express, an express company in the burgeoning city of Buffalo. An express company’s business was to ship things quickly but expensively. Messages, banknotes, and valuables were the primary goods transported by express companies. To hedge against the risks to his express company from the instant telegraph, Wells had invested in local telegraph companies, including Ezra Cornell’s. Sensing the opportunity in the West, especially as laying telegraph lines across a desolate country was a practical impossibility, Wells and Fargo proposed expanding their company, American Express, to the West. Their investors balked. So starting in 1852, Wells and Fargo set up a new company to provide express services to California. In addition to simple messages, Wells, Fargo & Co. ventured into the business of bringing gold back east. And since an express company was already entrusted with valuables, it soon made sense for Wells, Fargo & Co. to also offer banking services locally.

From mid-2011 to about mid-2016, employees at Wells Fargo Bank opened over three and a half million fake bank accounts. As The New York Times reported in 2016, “Some customers noticed the deception when they were charged unexpected fees, received credit or debit cards in the mail that they did not request, or started hearing from debt collectors about accounts they did not recognize. But most of the sham accounts went unnoticed, as employees would routinely close them shortly after opening them.” Ultimately, 5,300 Wells Fargo employees were fired as a result of their involvement in these deceptive practices. Practices that then CEO John Stumpf told Congress “go against everything regarding our core principles, our ethics and our culture.

Some Black Americans who were accused of crimes during the Jim Crow era were thrown into work camps while in prison. There they labored decades after slavery had been abolished. People in convict work camps in Atlanta are known to have helped construct buildings that still exist today, like the federal penitentiary and homes in the upscale neighborhood Inman Park. That legacy in Atlanta is tied to a former mayor from the 1880s, James W. English. He owned the Chattahoochee Brick factory, among other businesses, and according to a book by the journalist Douglas Blackmon, English’s companies managed 1,206 of Georgia’s 2,881 convict laborers, who made bricks, among other manual jobs. English’s “great personal wealth was inextricably linked to the enslavement of thousands of men” decades after slavery had been outlawed, Blackmon wrote. In addition to the convict-staffed brick factory, English owned a bank that merged into Wachovia, which is now part of Wells Fargo. From these businesses, his descendants had money and opportunities to build more wealth: a great-grandson, James D. Robinson III, went on to serve for twenty years as the chief executive of American Express, and then he had wealth and connections to help his son, James IV, found a venture capital firm in 1994. That firm, RRE Ventures, became one of the most successful and lucrative venture capital firms in the world. Robinson III referred our question about the era of convict leasing to a relative by marriage, who told us, “It was a black mark, and history is messy.

However, inspired by the fund, WFIA in November 1973 launched a simpler fund open to all the bank’s institutional clients—seeded with $5 million from Wells Fargo’s own pension fund and an equal amount from Illinois Bell’s retirement system—that would simply seek to mimic the performance of the S&P 500.* At the time, this accounted for about two-thirds of the entire US stock market anyway,20 and the index was “capitalization-weighted”—in other words, the weighting of each company was according to its overall stock market value, and the fund would just have to buy an equal number of shares in each company. By 1976, Samsonite folded the money in its original vehicle into WFIA’s S&P 500 index fund.

Most’s eclectic background also provided the spark behind the invention of what would become known as the ETF. During his travels around the Pacific, he had appreciated the efficiency of how traders would buy and sell warehouse receipts of commodities, rather than the more cumbersome physical vats of coconut oil, barrels of crude, or ingots of gold. This opened up a panoply of opportunities for creative financial engineers. “You store a commodity and you get a warehouse receipt and you can finance on that warehouse receipt. You can sell it, do a lot of things with it. Because you don’t want to be moving the merchandise back and forth all the time, so you keep it in place and you simply transfer the warehouse receipt,” he later recalled.19 Most’s ingenious idea was to, after a fashion, mimic this basic structure. The Amex could create a kind of legal warehouse where it could place the S&P 500 stocks, and then create and list shares in the warehouse itself for people to trade. The new warehouse-cum-fund would take advantage of the growth and electronic evolution in portfolio trading—the simultaneous buying and selling of big baskets of stocks first pioneered by Wells Fargo two decades earlier—and a little-known aspect of mutual funds: They can do “in kind” transactions, exchanging shares in a fund for a proportional amount of the stocks it contains, rather than cash. Or an investor can gather the correct proportion of the underlying stocks and exchange them for shares in the fund. Stock exchange “specialists”—the trading firms on the floor of the exchange that match buyers and sellers—would be authorized to be able to create or redeem these shares according to demand. They could take advantage of any differences that might open up between the price of the “warehouse” and the stock it contained, an arbitrage opportunity that should help keep it trading in line with its assets. This elegant creation/redemption process would also get around the logistical challenges of money coming in and out continuously throughout the day—one of Bogle’s main practical concerns. In basic terms, investors can either trade shares of the warehouse between themselves, or go to the warehouse and exchange their shares in it for a slice of the stocks it holds. Or they can turn up at the warehouse with a suitable bundle of stocks and exchange them for shares in the warehouse. Moreover, because no money changes hands when shares in the warehouse are created or redeemed, capital gains tax can be delayed until the investor actually sells their shares—a side effect that has proven vital to the growth of ETFs in the United States. Only when an ETF is actually sold will investors have to pay any capital gains taxes due.

Many have been supposedly foolproof but zany formulae that have made no one rich but the hucksters who sold them to the gullible. But over the years there have been some approaches that have enjoyed at least a modicum of success. These range from the Dow Theory first espoused by Wall Street Journal founder Charles Dow—essentially using technical indicators to try to identify and profit from different market phases—and David Butler’s CANSLIM system, to the value investing school articulated by Benjamin Graham. The earth-shattering suggestion of the research conducted in the 1960s and 1970s was that the code might actually be unbreakable, and efforts to decipher it were expensive and futile. Harry Markowitz’s modern portfolio theory and William Sharpe’s CAPM indicated that the market itself was the optimal balance between risks and return, while Gene Fama presented a cohesive, compelling argument for why that was: The net effect of the efforts of thousands upon thousands of investors continually trying to outsmart each other was that the stock market was efficient, and in practice hard to beat. Most investors should therefore just sit on their hands and buy the entire market. But in the 1980s and 1990s, a new round of groundbreaking research—some of it from the same efficient-markets disciples who had rattled the investing world in the 1960s and 1970s—started revealing some fault lines in the academic edifice built up in the previous decades. Perhaps the stock market wasn’t entirely efficient, and maybe there were indeed ways to beat it in the long run? Some gremlins in the system were always known, but often glossed over. Already in the early 1970s, Black and Scholes had noted that there were some odd issues with the theory, such as how less volatile stocks actually produced better long-term returns than choppier ones. That contradicted the belief that return and risk (using volatility as a proxy for risk) were correlated. In other words, loopier roller coasters produce greater thrills. Though the theory made intuitive sense, in practice it didn’t seem to hold up to rigorous scrutiny. This is why Scholes and Black initially proposed that Wells Fargo should set up a fund that would buy lower-volatility stocks (that is, low-beta) and use leverage to bring the portfolio’s overall volatility up to the broader stock market.7 Hey, presto, a roller coaster with the same number of loops as everyone else, but with even greater thrills. Nonetheless, the efficient-markets hypothesis quickly became dogma at business schools around the United States.

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You do not have to be a rocket scientist or even a Wall Street banker to calculate that the hidden subsidy the Wall Street banks enjoy because they are too big to fail totaled about three times Wall Street’s 2013 bonus payments of $26.7 billion. Without the subsidy there would have been no bonus pool at all. The lion’s share of that subsidy, $64 billion, went to the top five banks—JPMorgan, Bank of America, Citigroup, Wells Fargo, and Goldman Sachs. Sixty-four billion dollars just about equals these banks’ typical annual profits. In other words, take away the subsidy and not only does the bonus pool disappear, so do all the profits.

what it meant.” “That’s fine.” Bosch moved to the drawer and looked in. There were two thin manila files and two packs of envelopes with rubber bands holding them together. The first file he looked through contained Eno’s birth certificate, passport, marriage license and other personal records. He put it back in the drawer. The next file contained LAPD forms and Bosch quickly recognized them as the pages and reports that had been removed from the Marjorie Lowe murder book. He knew he had no time to read them at the moment and put the file in the beer box with the other files. The rubber band on the first package of envelopes snapped when he tried to remove it and he was reminded of the band that had been around the blue binder that contained the case files. Everything about this case was old and ready to snap, he thought. The envelopes were all from a Wells Fargo Bank branch in Sherman Oaks and each one contained a statement for a savings account in the name of McCage

There are a number of banks that get this such as eBank and Jibun Bank in Japan, Wells Fargo and Bank of America in the United States and BBVA, Caja Navarra and a few others in Europe.

Molly, I need you to answer me, hon.” She swallowed. One more moment of silence and Bailey would bust in . . . and get shot in the process. “I’ll be careful. I’m just . . . I’m sleepy. Don’t worry about me.” “I’ll go, but some good news first. Michael’s saddlebags were as loaded down as a Wells Fargo coach. That must be the money Russell stole. Your pa will be happy.” The pistol was lying on the floor now, although still in his grip. It was an odd-shaped gun. Her head cocked. “And finding the gun will clear Anne of murdering Mr. Nimenko,” she said. “What?” “The strange gun. The missing foreign gun of Mr. Nimenko.” Michael’s head bolted upright. He lifted the gun and pointed it at her again. “If you find it, I mean. If you find Mr. Nimenko’s gun, then everyone will know that Anne is innocent.” Silence. “I’ve got to go,” Bailey said. “I’d better join the others.” His fingers tapped against the door. “I love you.” Molly froze, unable to answer. Michael’s eyes turned into mean slits. “Answer him,” he mouthed, “now.” She looked away and tried to forget the murderous weapon pointed in her direction. One slide of Michael’s slippery gloves and she was dead. She might never have another opportunity. “I love you, too, Bailey.” The tapping stilled. “Good night, Molly.” And he was gone. —

If you pay your people well, you have to charge a healthy amount for the product,” says Matt Nemer, managing director of equity research at Wells Fargo Securities. “It’s Walmart in reverse.” That’s one reason the Container Store works so closely with its suppliers and

accelerated culture does not respond well to the nonobvious.

Toward this end, Patch raised the minimum commitment for an ad campaign to $5,000, to weed out mom-and-pop businesses, and won business from Sony Pictures and Wells Fargo Bank.

In 2011, a man in San Francisco attempted to rob the local Bank of America. The man wrote out a deposit slip, which read "this iz a stikkup put all your muny in this bag." While waiting in the particularly long line for the teller, the robber became concerned that someone could have seen him write the note and would alert the authorities, before he reached the teller. He quickly left the bank, and crossed the street to enter the Wells Fargo bank. He soon reached a teller, and handed over the deposit slip.   When the teller read the note, she immediately realized the robber was most likely not particularly intelligent, due to all of the grammatical errors. The teller then explained to the robber that she could not accept his stickup note, due to the fact that it was written on a Bank of America deposit slip.   The teller then told the robber to fill out a Wells Fargo deposit slip, or to return to Bank of America. The robber left in frustration, returning to the Bank of America. Needless to say, it didn't take long for the police to catch up with him after he returned to the long line at Bank of America.

My bank, Wells Fargo, pitched me on its investment services, and I decided to trust it with half of my investible funds. Trust is probably the wrong term because I only let Wells Fargo have half; I half trusted it. I did my own investing with the other half of my money. The experts at Wells Fargo helpfully invested my money in Enron, WorldCom, and some other names that have become synonymous with losing money. Clearly my investment professionals did not have access to better information than I had. I withdrew my money from their management and have done my own thing since then, mostly in broad-market, unmanaged funds. (That has worked out better.) Folderoo:

After too many direct hits, all broadcast on live TV, the camera men and show producers, unable to tell the difference between this fight and the staged, blood-splattered events of previous programs, continued filming as Lawler, Jackie Fargo, and Tojo pulled Jerry off of the now totally beaten and bloodied Galento. Once Jerry had been adequately subdued and restrained, Fargo looked to the corner of the studio and saw Roy coldly watching the proceedings. “You son of bitch, you’re behind this!” Fargo screamed at Roy. Jerry saw Fargo screaming at Roy and immediately judged Roy guilty as well. He managed to free himself from Tojo and Lawler, ran across the studio, and grabbed Roy by the collar. “I’m going to kill you, you old man!” Jerry screamed. Fargo, Tojo, and Lawler all restrained Jerry once again, but he kept screaming. “If I ever see you again, I’ll kill you Roy Welch. I’ll kill you for this!

The Wells Fargo employees operating the scanners at SeaTac were nearly without exception “have-nots” reveling in the power to tell the “haves” what to do.

I've been waiting for you to use your gavel all evening, Your Honor." God, please, no! Those were the last words on earth Vansh ever, ever, wanted to hear his oldest sister say to her judge husband. Ever. Yash, who was generally not the sort of guy who snorted with laughter, snorted with laughter so violently that Nisha and Neel jumped apart like someone had fired a cannon. Nisha's hands pressed into her face. "No. No. Nononono. What the hell are you all doing here?" "Not waiting for Neel to use his gavel, that's for sure," Yash said, still howling like a hyena. Which, to be fair, Vansh was doing as well. Nisha charged at Yash. Neel grabbed her around her waist. As a circuit court judge (with a gavel), Neel obviously saw enough crazy shit on a daily basis that he was entirely unfazed by any Raje family shenanigans. He held Nisha in check while laughing into her hair, and in the end she broke down and started laughing too, embarrassed though the laughter was. "If either one of you tells anyone, I'm going to chop you into little pieces and pass you through a mulch shredder," their sister threatened. "Who let her watch Fargo?" Vansh asked, and Neel looked heavenward.

Focusing on one outcome to the detriment of all else. Like we saw in the Wells Fargo story, focusing on one metric at the cost of all else can quickly derail a team and company. In addition to your primary outcome, a team needs to monitor health metrics to ensure they aren’t causing detrimental effects elsewhere. For example, customer-acquisition goals are often paired with customer-satisfaction metrics to ensure that we aren’t acquiring unhappy customers. To be clear, this doesn’t mean one team is focused on both acquisition and satisfaction at the same time. It means their goal is to increase acquisition without negatively impacting satisfaction.

Well, only someone with massive daddy issues could write the shit you do, Mallory.

The cases of Mylan and Wells Fargo are recent examples of an older and common pattern, by which policies of payment for measured performance lead employees to engage in actions that create long-run damage to a firm’s reputation.

Los inversores protagonistas de su libro no entendían por qué se daban préstamos hipotecarios para comprar viviendas a personas que básicamente no tenían ingresos y era muy probable que dejaran de devolver el dinero en algún momento. ¿Por qué los bancos daban esos créditos? La respuesta, descubrieron, era porque no se quedaban con ellos, sino que luego los vendían a Goldman Sachs, Morgan Stanley y Wells Fargo, entre otros. Estas empresas creaban bonos hipotecarios juntando hipotecas de distintas calidades. En un bono había partes de hipotecas calificadas como triple A (de devolución segura), como doble A (de devolución casi segura) y así sucesivamente hasta hipotecas calificadas como B, mucho más arriesgadas. Si se compraban bonos formados solo por hipotecas AAA, se arriesgaba poco, pero también se ganaba poco. Si se optaba por bonos formados por hipotecas B, se arriesgaba mucho, pero se podía ganar mucho. Si se combinaban esas hipotecas de distintos riesgos y rentabilidades se lograba, simplemente, lo que pretendían los derivados: eliminar el riesgo. Era posible que alguna de las hipotecas que formaban parte del conjunto no se pagaran, pero ese riesgo quedaba diluido entre muchas otras hipotecas que sin duda se devolverían.

What is your self-worth? Take a second to ponder. Is it the 100's in my pockets or the virtues and morals? It makes you wonder. Is diamonds what make your heart sound off or the thought of wanting someone to be true? Cause in truth, there's diamonds that abide in you, what a beautiful truth. True to be, let the value of love compare with the love of loyalty. I've learned this passion I once had for the love of money doesn't compare to the love of me. It's like one of them Pretty Ricky songs "Love like honey", yeah that's all me, self-worth value over infinity. I can go on with my ABC rhymes and keep stimulating your mind, make you see things with your eyes closed as if I'm leading the blind. This conscience cannot be bought with money or gold but my character and values last way past old. Put me deep in the dirt, the soils where I lay, sprout flowers of life, my soul lives on everyday. I have a question to ask, you might be as curious to hear: When's the last time you saw a Wells Fargo truck following a hearse? Don't let them try to trick you, once you're gone, your money can't be reimbursed. So the question is what lasts forever? If diamonds, money, even our flesh which is considered of such high importance soon perishes, what lasts forever? Give ear if you hear my words.

The loan department of Wells Fargo Bank had a similar experience. When they invited a customer to come into the bank and describe how a loan had changed their life—how it allowed them to buy a house or pay off a debt—it had a dramatic effect on the motivation of bank employees to help more people do the same. They could see for themselves the impact their work was having in someone’s life. This is a significant shift in how the employees perceived their jobs and it is foundational to having a sense of purpose in the work we do. Without necessarily being aware of it, many of the employees stopped coming to work to sell loans and started coming to work to help people. Further proof of how much the quality of our work improves when we can attach a human being to the results was seen in a study that found that simply showing radiologists a photograph of a patient led to a dramatic improvement in the accuracy of their diagnostic findings. Adam Grant conducted another study on lifeguards at a community recreation center.

Berkshire Hathaway Public Holdings April 4, 2012 Company Holding Value Stake The Coca-Cola Company (KO) $14.69 billion 8.8% International Business Machines (IBM) $13.17 billion 5.4% Wells Fargo (WFC) $12.99 billion 13.0% American Express (AXP) $8.69 billion 2.8% Proctor & Gamble $5.16 billion 2.8% Kraft Foods $3.32 billion 4.9% Wal-Mart Stores $2.36 billion 1.1% ConocoPhillips $2.22 billion 2.3% U.S. Bancorp $2.16 billion 2.3% Johnson & Johnson $1.90 billion 1.1% Moody’s Corp $1.20 billion 12.8% DIRECTV $995 million 2.9% Washington Post Co. $645 million 22.4% M&T Bank Corp $465 million 4.3% Costco Wholesale Corp $386 million 1.0% Visa Inc. $341 million 0.35% Intel Corp. $321 million 0.23% CVS Caremark $315 million 0.55% USG Corp $283 million 16.2% General Dynamics $281 million 1.1% DaVita Inc. $233 million 2.9% Dollar General $210 million 1.3% Torchmark $208 million 4.2% MasterCard Inc. $174 million 0.3% Verisk Analytics $162 million 1.9% General Electric $153 million 0.07% Sanofi SA $153 million 0.15% Liberty Media $149 million 1.4% United Parcel Service $114 million 0.15% GlaxoSmithKline $68 million 0.06% Bank of New York Mellon $43 million 0.15% Ingersoll Rand $26 million 0.2% Gannett $26 million 0.73% Source: CNBC, Warren Buffet Watch.

Some banks, like Wells Fargo, offered payroll-advance loans for a while. But once the media reported that these loans were basically the same as payday loans, the banks stopped offering the products. The risk to their reputation was too great. Of course, banks do offer all of us a short-term loan. It’s called an overdraft, and if it had a repayment period of seven days, the APR for a typical incident would be over 5,000 percent. Americans paid $38 billion in overdraft fees in 2011, more than they paid to payday lenders.

The Wells Fargo Center is the most recognizable building in downtown Denver. It’s locally known as the “cash register” building because its unique curved roof resembles an old-fashioned cash register.

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Six years after Henry Duncan established the first savings bank in England in 1810, the first saving bank was organized in the United States. In Philadelphia. That bank was the Philadelphia Saving Fund Society – the very first American savings bank. Philadelphia Saving Fund Society opened in Philadelphia in 1816…established by a group of investors headed by War of 1812 veteran – and Philadelphia native – Condy Raquet. Bank takeovers, bank mergers, bank acquisitions… What once had been the Philadelphia Saving Fund Society is now part of Citizens Bank of Pennsylvania. Whereas Philadelphia is home to the first American savings bank, Philadelphia is also home to the first commercial bank established in the United States. Thirty-four years prior to the establishment of America’s first savings bank – Philadelphia Saving Fund Society, formed in 1816 – we have the first United States commercial bank. Also founded in Philadelphia. That year would be 1781. The bank? That bank was Bank of North America. Bank of North America was the first chartered bank – the first commercial bank – organized in the United States. Bank of North America…the formation for which emanated from an idea shared by two early American forefathers. Those two forefathers? Alexander Hamilton and Henry Morris. Hamilton and Morris set up their bank to function as an informal American central bank. Their idea for the bank being, to provide financing to the United States government. Though constructed with the goal for their bank to operate as a de-facto, unofficial United States central bank, Bank of North America instead became a traditional state chartered bank. Not the central bank it was envisioned to become. Bank of North America was never the government financing tool Hamilton and Morris envisioned the bank to be. Rather, Bank of North America provided home loans to Philadelphians. Bank takeovers, bank mergers, bank acquisitions… Bank of North America is now part of Wells Fargo.

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Wachovia Bank Foreclosures: Understanding the Process and What You Need to Know Wachovia Bank, once a prominent financial institution in the United States, was known for offering various financial services, including mortgage lending. However, like many other banks, Wachovia faced its challenges during the 2008 financial crisis, and its mortgage operations were affected. Many individuals found themselves facing foreclosure on loans held by Wachovia. Understanding the foreclosure process associated with Wachovia Bank and how it impacts homeowners can help individuals navigate this difficult situation. What Is Foreclosure? Foreclosure is the legal process by which a lender, such as Wachovia Bank, takes possession of a property from the homeowner who has defaulted on their mortgage payments. The process begins after the homeowner misses several payments, and the lender attempts to recover the outstanding loan balance by selling the property. In many cases, foreclosure results in the homeowner losing their property. The Wachovia Bank Foreclosure Process Although Wachovia Bank no longer operates under its original name (having been acquired by Wells Fargo in 2008), the foreclosure process involving Wachovia loans follows similar steps to those of other financial institutions. Here’s an overview of how the foreclosure process typically works: Missed Payments and Default Foreclosure begins when a homeowner misses several mortgage payments. Typically, the lender will send reminders and notices of default. If payments are not made within the stipulated time frame (usually after 90 days), the lender initiates formal foreclosure proceedings. Notice of Default After a homeowner defaults on their mortgage, the lender will send a Notice of Default (NOD). This notice serves as an official warning that the lender intends to foreclose on the property unless the homeowner can bring the mortgage payments up to date. Pre-Foreclosure and Auction If the homeowner does not resolve the arrears or reach an agreement with Wachovia (or Wells Fargo, as the case may be), the lender may initiate a foreclosure auction. This is when the property is put up for sale to recover the outstanding loan balance. The auction typically occurs at the county courthouse or through an online platform. Post-Foreclosure Sale If no buyer comes forward at the foreclosure auction, the property may become "bank-owned" or "REO" (Real Estate Owned) by Wells Fargo. In this situation, the bank will attempt to sell the property on the open market, often at a discounted price, to recover the debt. Potential Consequences of Wachovia Bank Foreclosures Loss of Property The most obvious consequence of foreclosure is the loss of the property. Homeowners will have to vacate the home and may be forced into temporary housing or an apartment. Credit Score Impact Foreclosure can significantly damage a homeowner's credit score, making it more difficult to secure future loans or obtain favorable interest rates. Deficiency Judgment In some cases, if the foreclosure sale does not cover the full mortgage balance, the lender may pursue a deficiency judgment against the homeowner for the remaining amount owed. However, laws regarding deficiency judgments vary by state. Options for Homeowners Facing Foreclosure While foreclosure may seem inevitable, homeowners with a loan serviced by Wachovia (now under Wells Fargo) have several options to avoid foreclosure: Loan Modification Homeowners can work with the lender to modify the terms of the loan, such as reducing the interest rate or extending the loan term. This may make the payments more affordable. Short Sale A short sale occurs when the homeowner sells the property for less than the mortgage balance with the lender's approval. This can help avoid foreclosure while minimizing the financial damage.

Mythomania—or plain old lying—infiltrated churches, schools, hair salons, corporate boardrooms, courtrooms, and nightclubs. Smith & Wesson received seven hundred write-in votes in Topeka’s mayoral race. The Library of Congress was under pressure to ban its copy of the Gutenberg Bible for flaunting the word fornicate and the first two syllables of the word sodomy. Speechwriters jumped aboard. Nannies and city councilmen in Prescott, Arizona, denounced the devil’s codex implanted in the due process clause of the U.S. Constitution; NASA was burning down forests in Idaho; the Census Bureau was refusing to count people with blue eyes; Grover Cleveland’s skull was buried under the Watergate complex; vigilantes roamed the nighttime streets of Fargo in search of Democrats and Kenyans; Columbine was a CIA operation; Pearl Harbor never happened; corporations were people; Amazon was a distinguished citizen. In Fulda, where the Truth Tellers were led by Dink O’Neill, his brother Chub, and Chamber of Commerce President Earl Fenstermacher, the burdens of seeding fake unfake news kept them hopping through the hot days of September 2019. Boyd Halverson’s contributions were sorely missed. “Boyd had a knack for it,” Chub told Earl after their bimonthly Kiwanis brunch. “I don’t know how we’ll replace him.

Now, if you live in the U.S., keep in mind that the average annual interest rate for a credit card ranges between 15-19%—while store credit cards and banks like Wells Fargo charge 25% or more. This means you’d have to generate returns comparable to the best-performing family offices—entities run by some of the most highly educated investment professionals in the world, whose full-time job is managing wealth. So, next time a VC thoughtfully suggests you bootstrap your business with a credit card, tell him to take a hike.

The championship is next week, and the venue for it just happens to be the Wells Fargo Center, home of the Philadelphia Flyers,

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