To explain FINRA’s new 529 Plan Share Class Initiative, which encourages broker-dealers to self-report violations.
This article provides an overview of 529 plans, the various fee structures of the underlying investment funds, and guidance that broker-dealers should tailor their recommendations to the needs of the individual customer. The article discusses FINRA’s initiative for broker-dealers to self-report if they have violations in this area. It describes various supervisory failures brokerage firms may experience in connection with recommending 529 plans, eligibility for the self-reporting initiative and benefits of self-reporting.
This FINRA initiative provides an opportunity for firms to reflect on their supervisory systems and provide restitution to harmed customers. It also provides relevant fee-based investment information to customers.
529 plans are valuable tax-advantaged tools to encourage saving for the future educational expenses of a designated beneficiary. If brokerage firms lack reasonable supervisory procedures to recommend appropriate investments based on the length of the investment horizon, this FINRA initiative provides a unique and limited opportunity for firms to assess their supervisory systems and procedures governing 529 Plan share-class recommendations, to identify and remediate any defects, and to compensate any investors harmed by supervisory failures, while possibly avoiding fines for such conduct.
Expert guidance from experienced financial services regulatory and public finance lawyers.
This chapter, together with those that follow, builds upon the ideas presented in the previous volume in this series (Maginn, Thompson, & Tonts, 2008). There we outlined…
This chapter, together with those that follow, builds upon the ideas presented in the previous volume in this series (Maginn, Thompson, & Tonts, 2008). There we outlined our vision for a ‘pragmatic renaissance’ in contemporary qualitative research in urban studies. We argued that to survive as an effective and frequently used tool for policy development, a more systematic approach is needed in the way that qualitative-informed applied urban research is conceptualised and undertaken. In opening this volume we build on these initial ideas using housing as a meta-case study to progress the case for a systematic approach to qualitative research methods. We do this to both stimulate broad debate about the ways, in which qualitative research in urban/housing scholarship might be of greater use to policymakers and practitioners, as well as to suggest a way forward in realising the ‘pragmatic renaissance’.
EVERY profession evolves its own argot, adopting or inventing terms which the initiated understand and accept. Such precision saves time and avoids misinterpretation. In a technical subject like time and motion study such a recognised vocabulary is specially desirable.
This study demonstrated that women EMBA graduates experience broadened perspectives. They “think more broadly”, “understand more comprehensively” and report the “life…
This study demonstrated that women EMBA graduates experience broadened perspectives. They “think more broadly”, “understand more comprehensively” and report the “life changing” outcomes expected by their sponsoring organizations. The focus was on the development of women managers from specialist perspectives to a more integrated generalist perspective. Personal development, and career development literatures provided the theoretical basis for this study. Data were collected using invited essays, and semi‐structured interviews. Evidence of change appeared in the essays and the interviews. The essays indicated graduates experienced increased confidence, cognitive flexibility, and broadened perspectives. The interviews indicated: greater self‐determination, more flexible approaches to roles, greater value of self and time, more process‐oriented, increased understanding of self and others, the meaning of success was competence, and that competence was valued over political gamesmanship.
Beck discusses the need to improve library and information services for the deaf community. The technological support available to libraries to serve the deaf is…
Beck discusses the need to improve library and information services for the deaf community. The technological support available to libraries to serve the deaf is identified and described. Turnkey systems are found to be lacking in applications devoted to those who cannot hear or who are hard of hearing. Other technologies, like captioned videos, TDDs, and assistive listening systems, are examined for levels of service and excellence as well as cost. Examples of technology in transition and for the future are offered, along with experiments on speech and sound. These include inner ear implants, the “data glove” experiments, and tactile translators. Technological conflicts that may arise due to one person having multiple disabilities are presented with a discussion on the prevention of dangerous or difficult situations. Possible difficulties and ways to handle opposing technologies are examined briefly. Appropriate sections of the Americans with Disabilities Act and Guidelines are grouped with the technologies that aid compliance. Additional laws are mentioned where their inclusion is appropriate. Suggested guidelines for serving the deaf/disabled community are offered for librarians working in all library types.
The case is set in the Fall of 2008 as Susan Schor, Chief Culture Officer, at EILEEN FISHER Inc. is meeting with the other two members of the Facilitating Leader Team, Jim…
The case is set in the Fall of 2008 as Susan Schor, Chief Culture Officer, at EILEEN FISHER Inc. is meeting with the other two members of the Facilitating Leader Team, Jim Gundell, Vice President of Retail and e-Commerce and Jonci Coukier, Vice President of Design and Merchandising Processes, as well as founder, Eileen Fisher. Faced with significant projected financial loss in 2009, Susan reflected on the evolution of the company as influenced by her perspective with her organizational behavior expertise and collaborative leadership that embraced a values-based culture. Stories, voices and structures are examined in this retrospective view as Dr Schor sets the stage for how this example of best practice leadership will tackle the challenge at hand.
The research for this case was conducted over an 18-month period with over 40 interviews, extensive observation of the various teams at EILEEN FISHER Inc., and review of corporate communications, publications and other secondary sources. This case focuses on stories and voices that explain the unique leadership of EILEEN FISHER. The use of extensive quotes allows for an authentic “hearing” of the experiences and values as well as allowing the students to better understand the nature of qualitative data. Some of the discussion questions are posed as experiential exercises as this method allows the students to better relate to understand and apply values concepts.
Relevant courses and levels
Graduate and undergraduate organizational behavior, leadership, retail management and ethics.
Thematic coding is a common form of qualitative analysis, yet identification of “codes” can limit understanding by directing the researcher to formulated categories rather…
Thematic coding is a common form of qualitative analysis, yet identification of “codes” can limit understanding by directing the researcher to formulated categories rather than inviting exploration of what else the data may be trying to convey. Since categorization is an essential component of language and can scarcely be avoided, the purpose of this paper is to propose a polyphonic approach as a way to add texture and nuance. In polyphonic coding, text is coded several times along various dimensions of interest; these independently coded versions are then superimposed to identify patterns and relationships, allowing a multi-lensed view of the data as both forest and trees.
Polyphonic coding is applied to a specific interview in order to illustrate how the method can be utilized in a three-step process: in vivo coding from several independent perspectives (role, relational movement, and vocal mannerism), merging the perspectives, and “plugging in” to theory.
Polyphonic coding reveals relationships among the perspectives that point to an over-arching theme (in the example used) of a struggle for control.
This approach offers a way to code verbal, tonal, and somatic data as a means of understanding the construction and negotiation of identity in the relational context of qualitative research.
This approach promotes a flexible, expanded use of data analysis software.
The metaphor of a musical motet is used to describe a multi-faceted approach to qualitative analysis that can help to mitigate some of the pitfalls of typical thematic coding.
The purpose of this paper is to review published research on retail customer service communication with people with complex communication needs (CCN) and impacts on their…
The purpose of this paper is to review published research on retail customer service communication with people with complex communication needs (CCN) and impacts on their social inclusion.
The researchers searched electronic databases EBSCOHost and Web of Science and found no studies on retail customers with CCN. The search was expanded with the intention of exploring factors affecting people with disability as a group and to locate the experience of people with CCN within findings. Studies found were reviewed by the first author and two external reviewers.
Twelve articles met the broadened inclusion criteria. Analysis using the International Classification of Functioning, Disability and Health (ICF) found the literature demonstrated some environmental and personal factors that are likely to construct disability in the retail environment for people with CCN. The authors proposed further research to further explore ICF factors not identified in research and to establish links with social inclusion.
Further research is needed to understand the role of retail customer service communication in the social inclusion of people with CCN.
The social inclusion of people with CCN will be assisted by findings on good practice customer service communication.
Shopping is rarely considered in social inclusion research. This review discovered an absence of research into the impact of retail customer communication on inclusion of customers with CCN and proposed a framework for further enquiry.
There are seven main characters of which five are women: Sindiswa, Mia, Susan, Thenjiwe and Nicky. The other two characters, Glen and Zaccaria, represent males from very…
There are seven main characters of which five are women: Sindiswa, Mia, Susan, Thenjiwe and Nicky. The other two characters, Glen and Zaccaria, represent males from very different socio-economic and political backgrounds. The character of Dumasani, a young boy, is referred to in the play. What makes the play especially significant is that of a cast of seven, five are women. Throughout the play the character of Glen, a spy for the apartheid government, reveals the manipulative and deceitful manner in which the members of the South African police force and political informers carried out their work. He forms relationships with people about whom he professes to care; however, his only concern is that they are able to provide information that will secure financial reward for his spying activities for the apartheid government. Born in the RSA offers the audience an interesting exchange of ideas and thoughts about the political, economic and social situation in apartheid South Africa. Through the exploration of narratives and improvisation a landscape of violence is thrown open. A landscape of violence, that is not only physical, but also psychological. The play presents a complex situation in which violence does not only come from one source but from various sources such as the government, the youth, the opposition parties, the comrades, the private domestic space, subversive activities and political organisations. Any opposition to government policies results in harsher and more extreme violence by the apartheid regime strengthening their oppressive forces.