alea-institute/kl3m-data-sample-004-shuffled huggingface dataset:
Retirement Planning and 

Financial Literacy

Brenda J. Cude, Professor

Dept of Financial Planning, Housing and Consumer 

Economics

University of Georgia

February 2015
Influences on Retirement Planning 

Behaviors

Attitudes

Knowledge

Information
Attitudes

 Financial responsibility

 Future time perspective

 Financial risk tolerance

 Individuals who believe they should take responsibility for 

their own financial futures and are more future oriented are 

more likely to engage in retirement planning

 Those with lower risk tolerance may be more likely to plan 

but they may inappropriately choose safer investments
Information Needed for Retirement Planning

 Lifetime path of annual earnings and retirement income 

needed

 Rates of return on various types of investments and 

how compounding works

 Risk and return characteristics of various assets

 Age plan to retire

 Current and future tax rates
Knowledge

 Economic literacy

 Numeracy

 Financial literacy

 Details about employer-sponsored retirement plans 

and Social Security

 Greater knowledge of each associated with greater 

likelihood of retirement planning
Retirement Planning Among NewlyEmployed Professionals

 Greater uncertainty about all information needed to plan for 

retirement

 They’re just starting their first career and don’t know if they ever plan to 

retire

 More likely to be present- rather than future-oriented

 Communication from HR Departments is a website

 Characteristics of limits on tax-advantaged retirement planning 

options seem arbitrary

 Experience with the Great Recession
Selected References

 Clark, R. L., d’Ambrosio, M.B., & McDermed, A. A. (2006). Retirement plans 

and saving decisions: The role of information and education. Journal of 

Pension Economics and Finance, 5(1), 45-67.

 Jacobs-Lawson, J. M., & Hershey, D. A. (2005). Influence of future time 

perspective, financial knowledge and financial risk tolerance on retirement 

saving behavior. Financial Services Review, 14, 331-344.

 Lusardi, A., & Mitchell, O. S. (2011). Financial literacy and planning: 

Implications for retirement wellbeing. NBER Working Paper 17078.

 Lusardi, A., & Mitchell, O. S. (2007). Financial literacy and retirement planning: 

New evidence from the Rand American Life Panel. Goethe University Center for 

Financial Studies Working Paper No. 2007/33.
# Fourth Court of Appeals

San Antonio, Texas

August 12, 2019

No. 04

- 18

- 00917

- CV

Ziaunnisa K. LODHI

, Appellant

v.

Shah A. HAQUE

, Appellee

From the 166th Judicial District Court, Bexar Co unty, Texas

Trial Court No. 2017CI04290

Honorable Rosie Alvarado, Judge Presiding



### O R D E R

The Appellan t ’ s Motion to Allow Appella nt to Personally Argue is hereby DENIED.

It is so ORDERED on August 12, 2019

.

PER CURIAM

ATTESTED TO: _________________________

Keith E. Hottle

Clerk of Court
# Official Journal L 287/29 O

| | ISSN 1725-2555 |
| --- | --- |
| Official Journal
  of the European Union | L 287 |
| | |
| English edition | Legislation | Volume 5129 October 2008 |

ISSN 1725-2555

Official Journal

of the European Union

L 287

English edition

Legislation

Volume 5129 October 2008

---

| Contents | | II   Acts adopted under the EC Treaty/Euratom Treaty whose publication is not obligatory | page |
| --- | --- | --- | --- |
| | | DECISIONS |
| | | Council |
| | | 2008/801/EC |
| | * | Council Decision of 25 September 2008 on the conclusion, on behalf of the European Community, of the United Nations Convention against Corruption | 1 |

Contents

II   Acts adopted under the EC Treaty/Euratom Treaty whose publication is not obligatory

page

DECISIONS

Council

2008/801/EC

*

Council Decision of 25 September 2008 on the conclusion, on behalf of the European Community, of the United Nations Convention against Corruption

1

| | | |
| --- | --- | --- |
| | * | Note to the reader (see page 3 of the cover) | s3 |

*

Note to the reader (see page 3 of the cover)

Note to the reader

s3

| EN | Acts whose titles are printed in light type are those relating to day-to-day management of agricultural matters, and are generally valid for a limited period.
  The titles of all other Acts are printed in bold type and preceded by an asterisk. |
| --- | --- |

EN

Acts whose titles are printed in light type are those relating to day-to-day management of agricultural matters, and are generally valid for a limited period.

The titles of all other Acts are printed in bold type and preceded by an asterisk.
|                                                                                       
|---------------------------------------------------------------------------------------
|                                                                                       
|View History: Annual Download Data (XLS File)                                         
|View History: Annual                                                                   
|View History: Annual                                                                   
|View History:                                                                          
|                                                                                       
|No chart available.                                                                    
|No chart available.                                                                    
|                                                                                       
|                                                                                       
|Arizona Refinery Alkylates Production Capacity as of January 1 (Barrels per Stream Day)
|                                                                                       

|Decade                                                                                                                            | Year-0 | Year-1 | Year-2 | Year-3 | Year-4 | Year-5 | Year-6 | Year-7 | Year-8 | Year-9
|--------------------------------------------------------------------------------------------------------------------------------- | ------ | ------ | ------ | ------ | ------ | ------ | ------ | ------ | ------ | ------
|2000's                                                                                                                            |        |        |        |        |        |        |        | 0      | 0      | 0     
|2010's                                                                                                                            | 0      | 0      | 0      | 0      | 0      | 0      | 0      | 0      | 0      | 0     
|2020's                                                                                                                            | 0      | 0      | 0      | 0      | 0      |        |        |        |        |       
|- = No Data Reported;  -- = Not Applicable;  NA = Not Available;  W = Withheld to avoid disclosure of individual company data.
|                                                                                                                                 
|Release Date: 6/14/2024                                                                                                          
|Next Release Date: June 2025
#### MILLER v. STATE.

No. 22288.

Court of Criminal Appeals of Texas.

Nov. 18, 1942.

H. H. Shelton, of Austin, for appellant.

Spurgeon E. Bell, State’s Atty., of Austin, for the State.

*903BEAUCHAMP, Judge.

Clarence Miller was convicted by the District Court of Travis County on the charge of bigamy and sentenced to two years in the penitentiary.

The record is before us without bills of exception and without a statement of fact. The proceeding appears to be regular. We find no question for discussion and the judgment of the trial court is affirmed.
I

103D CONGRESS

1ST SESSION H. R. 1042

To direct the Administrator of the Federal Aviation Administration to issue

regulations to require individuals conducting weapon screenings of passengers in air transportation to notify law enforcement officers of discoveries of controlled substances and/or sums of money in excess of $10,000

in accordance with applicable Federal guidelines.

IN THE HOUSE OF REPRESENTATIVES

FEBRUARY 23, 1993

Mrs. BYRNE introduced the following bill; which was referred to the

Committee on Public Works and Transportation

A BILL

To direct the Administrator of the Federal Aviation Administration to issue regulations to require individuals conducting weapon screenings of passengers in air transportation to notify law enforcement officers of discoveries

of controlled substances and/or sums of money in excess

of $10,000 in accordance with applicable Federal guidelines.

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled,
2

HR 1042 IH

1 SECTION 1. NOTIFICATION OF LAW ENFORCEMENT OFFI2 CERS OF DISCOVERIES OF CONTROLLED SUB3 STANCES AND/OR LARGE SUMS OF CASH IN

4 EXCESS OF $10,000 IN WEAPON SCREENING.

5 Section 315 of the Federal Aviation Act of 1958 (49

6 U.S.C. App. 1356) is amended by redesignating subsection

7 (c) as subsection (d) and by adding after subsection (b)

8 the following new subsection:

9 ‘‘(c) DISCOVERIES OF CONTROLLED SUBSTANCES

10 AND/OR CASH IN EXCESS OF $10,000.—Not later than

11 ninety days after the date of the enactment of this sub12 section, the Administrator shall issue regulations requiring

13 employees and agents referred to in subsection (a) to re14 port to appropriate Federal and State law enforcement of15 ficers any incident in which the employee or agent, in the

16 course of conducting screening procedures pursuant to

17 subsection (a), discovers a controlled substance the posses18 sion of which may be a violation of Federal or State law,

19 and/or any sizable sums of cash in excess of $10,000 the

20 possession of which may be a violation of Federal or State

21 Law.’’.

Æ
OFFICER'S CERTIFICATE

 

 

I, Karen Montbach, a Managing Director of Citibank, N.A. (the "Company"), hereby certify, with respect to the Pooling and Servicing Agreement, dated as of April 1, 2015 (the "Agreement"), by and among Citigroup Commercial Mortgage Securities Inc., as depositor, Midland Loan Services, a division of PNC Bank, National Association, as master servicer and special servicer, Situs Holdings, LLC, as operating advisor, Citibank, N.A., as certificate administrator (the "Certificate Administrator"), and Deutsche Bank Trust Company Americas, as trustee, the following:

 

1. A review of the Company's activities as Certificate Administrator during the reporting period ending December 31, 2015 and its performance under the Agreement has been made under my supervision.

 

2. To the best of my knowledge, based on such review, as of and for the reporting period ending December 31, 2015, the Company has fulfilled all of its obligations under the Agreement in all material respects throughout the reporting period.

 

This statement is given by the undersigned as an authorized officer of the Company and not in the undersigned's individual capacity.

 

Date: February 26, 2016

 

 

Citibank, N.A.

By: /s/ Karen Montbach

Name: Karen Montbach

Title: Managing Director

 

CGCMT 2015-GC29
Driving Directions from Norfolk 

Airport (ORF) to JFSC

Joint Forces Staff College (JFSC)

Student Orientation Maps

* The maps contained in this presentation are provided to students to assist with arrival into Norfolk, how to find the Navy Lodge and JFSC, 

and how gain access to Naval Support Activity (NSA) Hampton Roads. Please direct all questions or concerns to your JCWS-H faculty. 
Driving Directions from Norfolk 

Airport (ORF) to JFSC
Marianas Hall / Gym

NORMANDY Hall

OKINAWA Hall

Library

JFSC Campus – Norfolk, VA

Terminal

Blvd

Turnstile 

Badge Access Only

Additional

Student

Parking

Hampton 

Blvd

Normandy Hall

Entrance

NSA Main Gate A: Open 24 Hours

NSA Main Gate

Gate A

Student

Parking Lot

Navy Lodge
Driving Directions from Navy Lodge, 

through the Main Gate, to JFSC

JFSC

Front Entrance on SW side of bldg

NSA Main Gate A: Open 24 Hours

Off Terminal Blvd, you’ll 

find the main gate

Drive by NATO on left

FLEET FORCES COMMAND 

MARITIME OPS CTR
Off Helmick Street via 

Hampton Blvd, you’ll find 

the main gate

FLEET FORCES COMMAND 

MARITIME OPS CTR

Softball fields

Driving Directions 

from Navy Lodge, 

through the Charlie 

Gate, to JFSC

NSA C Gate:

Restricted Hours

JFSC

Front Entrance on SW side of bldg
Restricted 

Parking

********************

Parking in front of JFSC is 

restricted to O-6 (faculty 

and students) and above, 

permitted parking, and 

DV parking. As a JCWS 

student, do not park here 

unless you are an O-6 or 

above. Do not parking in 

restricted or permitted 

spaces (clearly marked)

********************

O-6 & Above Student Parking

(subject to availability and restrictions)
COURT OF APPEALS FOR THE

FIRST DISTRICT OF TEXAS AT HOUSTON

ORDER

Appellate case name: Adrienne Gallien v. Wells Fargo Home Mortgage Inc., Wells Fargo 

Bank, N.A., Cristobal Nino, Individually and as Executor of the Estate 

of Veronica Castillo Nino and Kathy Orsak

Appellate case number: 01-17-00385-CV

Trial court case number: 2015-75452

Trial court: 157th District Court of Harris County

On May 24, 2017, appellant filed an omnibus motion for “Extension of Time to File 

Accelerated Appeal,” to “Suspend or Void Order of the Trial Court to Protect the Res,” and for 

“Review of Further Orders.” The extension of time previously was granted, and the remaining 

motions were carried with the case. The remainder of relief requested in this omnibus motion is 

now DENIED.

Appellant’s “Motion for Leave to File Petition for Original Injunction and Petition for 

Emergency Relief,” filed June 14, 2017 (and as supplemented on June 15 and 16), is 

GRANTED IN PART. To the extent the motion requested leave to file, leave is GRANTED. In 

all other respects, the motion is DENIED.

Appellant’s “Motion for Reconsideration of Emergency Relief Including Request for 

Guidance in Filing Out of County District Clerk Record, Consolidation of Appeal or 

Alternatively Dismissal of Related Appeal and Extension of Time to File Appellant’s Brief,” 

filed July 28, 2017, is GRANTED IN PART. The deadline for filing the appellant’s brief is 

extended by 20 days, and shall be due August 21, 2017. In all other respects, the motion is 

DENIED.

Appellant’s “Motion for Stay Pending Mandamus,” filed August 1, 2017, is DENIED.

It appears from the face of the appellate record that this interlocutory appeal (or, 

alternatively, petition for mandamus) challenging the trial court’s April 21, 2017 “Temporary 

Injunction” order may be moot. To the extent appellees contend this proceeding is moot, they are 

invited to file a motion for involuntary dismissal that affirmatively demonstrates mootness. TEX.

R. APP. P. 42.3(a). To the extent appellant contends that the proceeding is not moot, she is 

notified that the court may dismiss this proceeding as moot unless she demonstrates a live 

controversy relating to the challenged April 21, 2017 order of the district court. See id. Any such 

response from appellant must be filed no later than August 14, 2017.
It is so ORDERED.

Judge’s signature: /s/ Michael Massengale

 Acting individually  Acting for the Court

Date: August 4, 2017
```

[Federal Register: September 24, 2010 (Volume 75, Number 185)]
[Notices]               
[Page 58367-58368]
From the Federal Register Online via GPO Access [wais.access.gpo.gov]
[DOCID:fr24se10-52]                         

=======================================================================
-----------------------------------------------------------------------

COMMODITY FUTURES TRADING COMMISSION

 
Technology Advisory Committee Meeting

AGENCY: Commodity Futures Trading Commission (``CFTC'').

ACTION: Notice of meeting of Technology Advisory Committee.

-----------------------------------------------------------------------

SUMMARY: The Technology Advisory Committee will hold a public meeting 
on October 12, 2010, from 1 p.m. to 5 p.m., at the CFTC's Washington, 
DC headquarters.

DATES: The meeting will be held on October 12, 2010 from 1 p.m. to 5 
p.m. Members of the public who wish to submit written statements in 
connection with the meeting should submit them by October 11, 2010.

ADDRESSES: The meeting will take place in the first floor hearing room 
at the CFTC's headquarters, Three Lafayette Centre, 1155 21st Street, 
NW., Washington, DC 20581. Written statements should be submitted to: 
Commodity Futures Trading Commission, Three Lafayette Centre, 1155 21st 
Street, NW., Washington, DC 20581, attention: Office of the Secretary. 
Please use the title ``Technology Advisory Committee'' in any written 
statement you may submit. Any statements submitted in connection with 
the committee meeting will be made available to the public.

FOR FURTHER INFORMATION CONTACT: Laura Gardy, Commodity Futures Trading 
Commission, Three Lafayette Centre, 1155 21st Street, NW., Washington, 
DC 20581, (202) 418-5354.

SUPPLEMENTARY INFORMATION: The agenda for the meeting is as follows:

Opening Remarks

Overview of Meeting and Introduction of Presenters

Panel I: CFTC Staff Briefing on Disruptive Trading Practices and New 
Anti-Manipulation Rulemaking
Panel II: High Frequency Trading, Algorithmic Trading and Direct Market 
Access (DMA) Rules and Best Practices
Panel III: Swap Execution Facilities (SEFs): Which Models Provide the 
Best Opportunity To Achieve Statutory Goals and Support Regulatory 
Objectives? Where does technology need to take us to provide for pre-
trade transparency?
Panel IV: Swap Data Repositories (SDRs): Real Time Reporting, Data 
Elements, and Interim Requirements: Identifying the Most Effective 
Procedures and Processes for the Collection, Transfer, and Aggregation 
of Data
Concluding Remarks and Discussion of Topics for Next Meeting

    The meeting will be webcast on the CFTC's Web site, http://www.cftc.gov. Members of the public also can listen to the meeting by 
telephone. The public access call-in numbers will be announced at a 
later date.

[[Page 58368]]

    Authority: 5 U.S.C. app. 2 10(a)(2) .

    Dated: September 20, 2010.

    By the Commodity Futures Trading Commission.
David A. Stawick,
Secretary of the Commission.
[FR Doc. 2010-23870 Filed 9-23-10; 8:45 am]
BILLING CODE 6351-01-P
```
Document Headings

                    Document headings vary by document type but may contain                    the following:                  
                -                       the agency or agencies that issued and signed a document                    
                -                       the number of the CFR title and the number of each part                      the document amends, proposes to amend, or is directly                      related to                    
                -                       the agency docket number / agency internal file number                    
                -                       the RIN which identifies each regulatory action listed in                      the Unified Agenda of Federal Regulatory and Deregulatory                      Actions                    

                    See the                                          Document Drafting Handbook                                        for more details.                  

###### Department of Energy

###### Federal Energy Regulatory Commission

          - [Docket No. RP01-100-000]

Take notice that on November 15, 2000, Northwest Pipeline Corporation (Northwest) tendered for filing as part of its FERC Gas Tariff the following tariff sheets to become effective January 1, 2001:

### Third Revised Volume No. 1

Nineteenth Revised Sheet No. 5

### Original Volume No. 2

Twenty-Sixth Revised Sheet No. 2.2

Northwest states that the purpose of this filing is to revise its tariff to incorporate the Gas Research Institute (GRI) surcharges approved by the Commission for 2001.

Northwest states that a copy of this filing has been served upon its customers and interested state regulatory commissions.

                    Any person desiring to be heard or to protest said filing should file a motion to intervene or a protest with the Federal Energy Regulatory Commission, 888 First Street, NE., Washington, DC 20426, in accordance with Sections 385.214 or 385.211 of the Commission's Rules and Regulations. All such motions or protests must be filed in accordance with Section 154.210 of the Commission's Regulations. Protests will be considered by the Commission in determining the appropriate action to be taken, but will not serve to make protestants parties to the proceedings. Any person wishing to become a party must file a motion to intervene. Copies of this filing are on file with the Commission and are available for public inspection in the Public Reference Room. This filing may be viewed on the web at                     *http://www.ferc.fed.us/​online/​rims.htm*                     (call 202-208-2222 for assistance). Comments and protests may be filed electronically via the internet in lieu of paper. See, 18 CFR 385.2001(a)(1)(iii) and the instructions on the Commission's web site at ­                    *http://www.ferc.fed.us/​efi/​doorbell.htm.*

David P. Boergers,

Secretary.

[FR Doc. 00-30071  Filed 11-24-00; 8:45 am]

BILLING CODE 6717-01-M
**Exhibit 31.1**

 

**CERTIFICATIONS**

 

I, Brian E. Schaaf, certify that:

 

1.                                     I have reviewed this report on Form 10-K and all reports on Form 10-D required to be filed in respect of the period covered by this report on Form 10-K of Ford Credit Auto Lease Trust 2015-A (the “Exchange Act periodic reports”);

 

2.                                     Based on my knowledge, the Exchange Act periodic reports, taken as a whole, do not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

 

3.                                     Based on my knowledge, all of the distribution, servicing and other information required to be provided under Form 10-D for the period covered by this report is included in the Exchange Act periodic reports;

 

4.                                     I am responsible for reviewing the activities performed by the servicer and based on my knowledge and the compliance review conducted in preparing the servicer compliance statement required in this report under Item 1123 of Regulation AB, and except as disclosed in the Exchange Act periodic reports, the servicer has fulfilled its obligations under the servicing agreement in all material respects; and

 

5.                                     All of the reports on assessment of compliance with servicing criteria for asset-backed securities and their related attestation reports on assessment of compliance with servicing criteria for asset-backed securities required to be included in this report in accordance with Item 1122 of Regulation AB and Exchange Act Rules 13a-18 and 15d-18 have been included as an exhibit to this report, except as otherwise disclosed in this report.  Any material instances of noncompliance described in such reports have been disclosed in this report on Form 10-K.

 

In giving the certifications above, I have reasonably relied on information provided to me by the following unaffiliated parties: The Bank of New York Mellon, as indenture trustee of the issuing entity, and U.S. Bank Trust National Association, as owner trustee of the issuing entity.

 

Dated March 23, 2016

 
|   | /s/ Brian E. Schaaf                                |
|--------|----------------------------------------------------|
|   | Brian E. Schaaf                                    |
|   | Vice President and   Assistant Treasurer           |
|   | Ford Motor Credit   Company LLC, as Servicer       |
|   | (senior officer in   charge of servicing function) |

 

----