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Ami Forte Investigation
If you suffered losses with Ami Forte, please call 1-866-817-0201 for a free and confidential consultation. Jeffrey Pederson, PC handles claims against securities brokerages nationwide for unsuitable securities and unauthorized trading violations.
The Financial Industry Regulatory Authority (FINRA) announced on October 3, 2018 that it was widening the investigation of Ami Forte. FINRA is the national regulatory agency that oversees securities brokerages. It does so with the oversight of the SEC.
The October 3 notice advises Forte that the regulator will include additional potential violations of rules tied to conflicts of interest and fraud. Other violations included in the October 3 notice relates to rules tied to suitability, municipal securities advisory activities and books and records.
Forte, once Morgan Stanley's most celebrated and prominent financial advisor with $2 billion in assets under management, lost her job at Morgan Stanley when an FINRA arbitration panel entered a substantial judgment against her. The panel ordered her, her branch manager and Morgan Stanley to pay $34 million to the estate of Home Shopping Network co-founder Roy Speer in 2016. Lynnda Speer, Roy Speer's widow, argued that the estate had been harmed by unauthorized trading, churning and elder abuse.
The initial investigation began in January 2018. FINRA had made a preliminary determination concerning violations of multiple FINRA rules. These rules concerning inappropriate exercises of discretion in an account and inappropriate recommendation of direct participation investments.
Forte had recently begun a career resurrection of sorts. In March 2018, Pinnacle Investments announced Forte as its chief business development officer.
This was short-lived. BrokerCheck records indicate that the employment with Pinnacle ended Oct. 17,
Jeffrey Pederson has represented hundreds of investors over the past 15 years in FINRA arbitrations nationwide. Time limitations may exist. Investors suspecting wrongdoing should call at their earliest convenience
This entry was posted in Uncategorized and tagged arbitration, churning, class action, Colorado, FINRA, securities fraud, unsuitable securities on October 29, 2018 by Jeff Pederson.
GPB Capital Loss Recovery
Investors of GPB or any GPB Capital investments, please call 1-866-817-0201 about potential loss recovery. Initial consultations are free and confidential. Jeffrey Pederson is a private attorney who is currently investigating and handling GPB cases. He has successfully represented investors nationwide in obtaining settlements or judgments for investment losses.
Information exists to support that GPB Capital was inappropriately sold by independent brokerage firms across the country. These investments, often promoted as investments in car dealerships and waste management, are now illiquid and essentially worthless. These brokerages are liable for the losses of their investors.
The investments were sold by a number of independent brokerages across the country. That list of brokerages includes, but is not limited to, Royal Alliance Associates, Sagepoint Financial, FSC Securities, and Woodbury Financial.
Many investors trusted the recommendation to invest in GPB.
Brokerages have duties to investors in the sale of investments such as GPB. These investments were high-risk, and brokerage were only allowed to recommend the investments to individuals who can withstand the high level of risk and illiquidity that these investments pose.
Despite the fact that these investments are only suitable for a small fraction of the investing public brokers sold large quantities of GPB to a broad portion of their clientele. The motivation appears to be the heightened commission paid on this investment.
These broad selling practices has resulted in $1.8 billion of GPB investment sales to investors who bought the high-commission private placements. The GPB investment, which is considered a private placement, had a transaction cost of 12%. Approximately 10% of the cost was commission to the broker and broker-dealer and 2% was in offering and organization costs.
On August 17, 2018, GPB halted sales to review accounting. The purported reason given by GPB was to "integrate the high volume of recent acquisitions."
On August 24, 2018, GPB announced that the fund will restate its 2015 and 2016 financial statements. The adjustments were due to errors in income and the source of such income that came to light in audits done on the investments.
The fund also missed 2 required filings to the SEC in 2018. The SEC requires a private company like GPB with more than $10 million in assets and 2,000 individual investors to file financial statements with the SEC.
Many GPB investors thought they were getting a safe investment.
On September 12, 2018, Massachusetts top securities regulator William Galvin started an investigation into the sales practices of independent stock brokerage firms in connection with the recommending of investments in GPB Capital Holdings.
GPB investments were always known to be very high risk. As such, the investments were not suitable for a large portion of the investing public. Brokers have a legal obligation to only recommend suitable investments. The motivation for selling such risky investments to moderate investors is likely the result of the excessive commissions that were paid the brokers for such sales – commissions much higher than would be paid for the sale of suitable investments.
Commissions may be seen as one of the motivators to sell this risky investment without conducting reasonable research into the investment. These investments were known to pay a very high commission. Brokers on average made commissions that approached 10%. Compare this to stock sales where the commissions are usually less than 1%.
The Massachusetts Securities Division has information about one independent stock brokerage firm's sales practices in connection with GPB sales, coming in the wake of GPB's announcement that GPB has temporarily stopped bringing in new funds. It has also suspended redemption while it concentrates on accounting and financial reporting.
GPB's Armada Waste Management is particularly bad. According to GPB, investors bought $163.4 million of the securities, but the current estimated NAV, net asset value, is $53.4 million. That Armada Waste Management has declined in value 67.4%.
Other big losers include GPB Holdings II and GPB Automotive Portfolio.
In addition, there is an issue with the failure to file financials. Such a failure should have been discovered by any brokerage firm selling the investments and should have been a red flag of the extreme risk in the recommendation of the investments. Two private GBP investments that are required because of their size to file financial statements with the Securities and Exchange Commission failed to meet filing deadlines.
These matters have led to a sweep by regulators of 63 securities brokerages that sell GPB, with the regulators requesting data on the extent of sales activity in Massachusetts, disclosure and marketing documents that the firms provide to investors on the solicitations and data on investor suitability.
"While my Securities Division's investigation is in the very nascent stages," stated Massachusetts Securities Division head William Galvin, "Recent activity within GPB raises red flags of potential problems. These red flags, coupled with the fact that sales of private placements [a particularly risky type of investment that is not traded on a public market] by independent broker-dealers have been an ongoing source of investor harm, have led to this investigation."
Brokerages with questionable GPB sales include, but are not limited to the following; Geneos; FSC; Woodbury; Triad; Sagepoint; Royal Alliance; Madison Avenue Securities; National Securities Corp. (NSC); Moloney Securities; Sandlapper; DFPG; Dawson James; Colorado Financial Service Corp.; Stephen A. Kohn; Orchard Securities; Kalos Capital; Center Street Securities; Avere Financial; and Coastal Equities.
Recently, one of the brokerages selling GPB, Kalos Capital, attempted to contact investors to attempt to not assert their rights of recovery against Kalos. The Ulmer firm, representing Kalos, focuses on whether GPB is or is not technically a Ponzi scheme. Regardless of the name attached to the fraudulent scheme, the letter does little to say whether Kalos did anything to meet its legally required duties to conduct a thorough investigation of GPB prior to recommending GPB for the life savings of Kalos's investors. Failing to conduct adequate due diligence make Kalos and other brokerage firms responsible for GPB losses.
Subsequent to the action by Galvin, the SEC and FINRA both initiated their own investigations concerning the sale GPB. The most common GPB fund is GPB Automotive Portfolio, LP.
This entry was posted in Uncategorized and tagged Brokerage fraud, Brokerage Negligence, Cal. Fraud, California, class action, Colo. Fraud, Colo. Securities Attorney, Colo. Springs Fraud, Colorado, Colorado Attorney, Colorado Lawyer, Colorado Stock Fraud, FSC, FSC Negligence, Galvin, GBP, GBP Class Action, Geneos, Georgia Fraud, GPB, GPB Capital, GPB Class Action, GPB Fraud News, GPB Recovery, Kalos, Kohn, Moloney, Private Securities, Sagepoint, Sandlapper, Texas, Triad, TX. Fraud, Woodbury, Woodbury Lawsuit, Woodbury Negligence on September 12, 2018 by Jeff Pederson.
Investor Losses with Cadaret Grant
Investors suffering losses with Cadaret Grant may have recourse. Please call 1-866-817-0201 for a free and confidential consultation.
Cadaret entered into a regulatory settlement with the Financial Industry Regulatory Authority on September 11, 2018. Cadaret agreed to pay an $800,000 fine. It also agreed to a censure and to review and change its policies to detect inappropriate sales practices by its brokers. One focus was on the sale and exchanges of variable annuities.
Cadaret failed to employ sufficient compliance personnel to adequately supervise its brokers. Brokers have many incentives to recommend investments that are too aggressive or otherwise unsuitable for an investor. Sufficient compliance personnel are needed and required by regulators to protect investors from this known risk.
All licensed securities brokers have a legal obligation to recommend only suitable investments. Investments are all known to have a certain range of risk when recommended. Certain investments are known to have higher risks than others. Investments that can increase sharply in value can sometimes decrease equally as fast. Investments can only be recommended when the risk the investment poses is consistent with the risk consistent with the investor. For example, a retired individual should only be recommended investments with little to no risk. So when such an individual loses 20% or more of portfolio value in a year, the portfolio was likely unsuitable when first recommended.
As a result of its insufficient compliance, Cadaret had only three compliance people overlooking weekly trades, or "blotter reviews." Such reviews are needed to detect over-concentration of portfolios, such as portfolios being invested too heavily in either one investment, a single industry, or being too heavily weighted in a single investment vehicle, such as stocks or annuities. Such concentration is unsuitable because it greatly increases the level of risk in the portfolio.
The blotter review also protected investors from broker churning. This is an action where a broker puts his/her own interest ahead of the investor. Excessive trades are made that work more to generate commissions for the broker than to protect the interests of the investor.
Churning depends on the cost of the exchange. With products such as variable annuities, churning can happen with a single exchange. One of the issues faced by Cadaret is from the replacement of one variable annuity with another. There are very few circumstances where variable annuity exchanges are justified.
Cadaret's supervisory procedures also required examiners in the compliance department to conduct periodic inspections of branch offices to detect and prevent violations by registered representatives in those locations. However, Cadaret employed an insufficient number of compliance examiners for this purpose. For instance, in 2014, the Firm tasked three compliance examiners with inspecting over 400 geographically-disperse branches. As a result, these inspections were conducted in a manner not reasonably designed to identify violative activity.
Jeffrey Pederson has represented investors across the United States in suitability suits. These suits are largely handled through FINRA arbitration. Please call for consultation.
This entry was posted in Uncategorized and tagged Annuity Fraud, Ariz. Fraud, Cadaret, Calif. Fraud, Colo. Fraud, Colorado, Florida, Minnesota, Stockbroker fraud, Texas on September 12, 2018 by Jeff Pederson.
Eric Sampson Loss Recovery
We have filed suit and we are actively pursuing actions to recover losses incurred by victims of Eric Sampson. Victims are primarily investors of Sampson's My Investment Advisor ("My IA"). If you are a victim, please call 1-866-817-0201 for a free and confidential initial consultation.
Sampson operated at different times out of St. George, UT, Washington, UT, Greenwood Village, CO and Colorado Springs, CO. Investments sold by Sampson that are considered fraudulent include Golden Assets, LLC, Shooks Run, LLC, The Hills at Santa Clara, and Wright Indoor Comfort.
At all relevant times, Sampson was a licensed securities broker, working first for Girard Securties and subsequently World Choice Securities. The practice of Sampson was a hybrid brokerage investment advisory practice that he controlled and that was made aware to his employers. In such a situation, the investment advisory is required by pay the brokerage for supervision. The brokerage, in turn, is charged with ensuring that the advisory is not selling investments fraudulently.
Federal criminal charges are currently pending against Sampson. There is also currently a case against Sampson and My IA by Utah regulators.
As stated in the Federal criminal action, "It was the object of [Sampson's] scheme and artifice to defraud for defendant Sampson to fraudulently obtain money from his MY IA clients through false statements, misrepresentations, deception, fraudulent conduct, and omissions of material facts, and thereafter cause the money to be diverted for defendant SAMPSON's personal use and benefit."
This entry was posted in Uncategorized and tagged class action, Colorado, FINRA, Golden Assets, Ponzi, Securities Law, Utah on May 25, 2018 by Jeff Pederson.
Attention Investors of Western International
If you lost money investing with Western International, please call 1-866-817-0201. The initial consultation with an attorney is free. Jeffrey Pederson represents investors nationwide in securities brokerage disputes.
Western recently entered into a regulatory settlement where it neither admitted not denied the following facts. Those facts are that from January 1, 2011 to November 5, 2015 (the "Relevant Period"), Western failed to establish, maintain and enforce a supervisory system to ensure that representatives' recommendations regarding certain ETFs (exchange traded funds) and also failed to comply with certain securities laws in the sale of these ETFs.
In addition, Western allowed its representatives to (1) recommend Non-Traditional ETFs without performing reasonable diligence, the required level of investigation into the investments, to understand the risks and features associated with the investments, and (2) recommend NonTraditional ETFs that were unsuitable, either due to the known high level of risk in the investments or inherent complexity, for certain customers based on their ages, investment objectives and financial situations.
Non-Traditional ETF's, such as the ETFs that were sold by Western, are designed to return a multiple of an underlying index or benchmark, such as the VIX or S&P, the inverse of that index or benchmark, or both, over the course of a day. As a result, the performance of Non-Traditional ETFs over periods of time longer than u single trading session "can differ significantly from the performance of their underlying index or benchmark during the same period or time." Because of these risks and the inherent complexity of these products, FINRA has advised broker-dealers and their representatives that Non-Traditional ETIls "are typically not suitable for retail investors who plan to hold them for more than one trading session, particularly in volatile markets."
We have spoken to a number of investors who have suffered similar losses and believe that such investments were intended for highly sophisticated investors only, such as hedge fund managers, and could not be legitimately sold to retail investors. So if your were investing for retirement and were sold such investments, you likely have grounds for recovery.
This entry was posted in Uncategorized and tagged arbitration, Colorado, financial adviser, financial advisor, FINRA, fraud, Texas, unsuitable securities on March 5, 2018 by Jeff Pederson.
Losses in Inverse VIX, LJM, SVXY
Investments connected to the VIX index were known to be highly speculative.
We are a firm that specializes in investor loss recovery. Investors of Inverse VIX Exchange Traded Notes (ETNs) and Inverse VIX Exchange Traded Funds (ETFs), including VelocityShares Daily Inverse VIX Short-Terms ETN (XIV), the ProShares Short VIX Short-Term Futures ETF (SVXY), and the LJM Partners' Preservation and Growth fund (LJMIX and LJMAX) may have grounds for the recovery of their losses.
If you were sold an Inverse VIX ETN please call 1-866-817-0201 for a free and confidential consultation with an attorney.
These investments were suitable for very few investors. The sale of unsuitable investments by a securities broker is a form of negligence and possibly fraud. These investments carry such a high level of risk and are so complicated that they were likely not suitable for any retail (non-institutional) investor. "Unless you were a hedge fund manager you should not have been sold these funds." If you were recommended such investments as part of a retirement savings portfolio you have grounds to recover your losses. The makers of these funds have acknowledged that the fund was for hedge fund managers only, and not individual investors.
Investment advisory firms also sold these investments, and in many cases sold the investments inappropriately. These include SRS Capital, IFAM, Movants Capital Management, Tradition Capital Management, and Investment Advisor Group.
Starting on February 2 and continuing through February 6, investors saw portfolios implode due to investments in obscure products that tracked market volatility. Such investments tracked the VIX index. The VIX index is a complicated monitor of investment market volatility or "investor fear." An "inverse VIX" investment is an investment that benefits from stable markets but loses value quickly in times of volatility. The losses in the inverse VIX investments mounted quickly until NASDAQ halted the trading of these investments on February 6, with some suffering losses of almost all value in just a few days.
For example, VelocityShares XIV plummeted 80 percent in extended trading on February 5, 2018. This is a security issued by Credit Suisse this tracks the inverse of the VIX index tracking market volatility. As the market rose and sank the value of XIV dropped sharply. Such sudden drops have a cascading impact that can lead to margin calls and other losses.
Of particular concern, though any sale of such an investment to a retail investor is concerning, are investors who purchased such shares through the following brokerage firms: Credit Suisse, Fidelity, Merrill Lynch, and Wells Fargo.
The dramatic losses was foreseeable to securities brokerages, often referred to as securities "broker-dealers." The regulator that oversees broker-dealers, FINRA, the Financial Industry Regulatory Authority, issued its latest warning in a string of warnings on October 2017 to broker-dealers about VIX and inverse VIX investments. FINRA identified such investments speculative and warned the "major losses" could result from such investments from a failure to understand how such investments work. For example, many are short-term trading vehicles that can degrade over time.
FINRA also warned all financial advisers that VIX ETNs may be unsuitable for non-institutional investors and any investor looking to hold investment as opposed to actively trading the investment. While this warning occurred in October 2017, similar warnings were issued in 2012. That same month, FINRA fined Wells Fargo for unsuitable recommendations of similar volatility funds.
FINRA stated in 2012 in a Regulatory Notice, RN 12-03, that heightened supervision is required of any broker who sells such complex investments, and specifically identified the need for brokerage firms to oversee any recommendation of an investment based upon the VIX.
While all short VIX trading is suspect and potentially recoverable, the following investments are of particular concern: XIV, SVXY, VMIN, EXIV, IVOP, LJMIX ("LJM"), LJMAX, XXV, and ZIV.
FINRA is conducting sweep investigations of all brokerages that sold any and all of these investments to retail investors. 'The sweep is part of Finra's continuing focus on the suitability of sales of complex products, including leveraged and volatile products, to retail customers,' stated FINRA.
In addition to suitability, there is also concern that due diligence by these brokerages should have revealed that the index was subject to manipulation. This was recently reported by the Financial Times of London. A scholarly report from researches at the University of Texas in 2017 identified the mechanism for manipulating the VIX. FT reports that the Securities and Exchange Commission is currently investigating such allegations.
Investors suffering losses in such investments may have valid claims despite the warnings contained in the prospectus. These investments should not have been offered to any retail investors.
PedersonLaw has represented investors in similar actions in most of the 50 states either directly or pro hac vice.
This entry was posted in Uncategorized and tagged arbitration, attorney, California, class action, Colorado, Colorado Springs, Credit Suisse, Dallas, Denver, financial adviser, financial advisor, FINRA, IFAM, IFAM Investors, LJM, LJMIX, ProShares, San Francisco, securities fraud, SRS Investors, Texas, unsuitable securities, VelocityShares on February 8, 2018 by Jeff Pederson.
Recovery of Woodbridge Loss
Woodbridge investors believed real estate ensured the safety of their investments.
Investors of Woodbridge may have the ability to recover the losses they sustained. Please call 1-866-817-0201 or 303-300-5022 for a free consultation with a private attorney concerning potential loss recovery.
Regulators have charged the Woodbridge Group of Companies with operating a Ponzi scam. This creates liability on the part of those advisors selling Woodbridge.
There were glaring issues in these Woodbridge investments for an extended period of time. These issues should have been discovered during reasonable due diligence by the brokers and agents selling the Woodbridge investments. These investments should have been recognized as not being suitable for any investor.
The U.S. Securities and Exchange Commission (SEC) had been investigating Woodbridge since 2016. Woodbridge, the Sherman Oaks, California-based Woodbridge, which calls itself a leading developer of high-end real estate, had been under the microscope of state regulators even longer. The focus of these regulators was the possible fraudulent sale of securities.
On December 21, 2017, the SEC charged the Woodbridge Group of Companies with operating a $1.2 billion Ponzi scheme that targeted thousands of investors nationwide. "The only way Woodbridge was able to pay investors their dividends and interest payments was through the constant infusion of new investor money," per Steven Peikin of the SEC.
Prior to the charge, in January 2017, the SEC served a subpoena on Woodbridge for relevant electronic communications. Woodbridge failed to respond to this subpoena. This left the SEC to seek court intervention to compel Woodbridge to produce potentially damaging documentation the SEC believes existed. The SEC filed its allegation that Woodbridge is a Ponzi scheme within weeks of its access to Woodbridge's documents.
Through court filings, the SEC states that Woodbridge "has raised more than $1 billion from several thousand investors nationwide" and it "may have been or may be, among other things, making false statements of material fact or failing to disclose material facts to investors and others, concerning, among other things, the use of investor funds, the safety of the investments, the profitability of the investments, the sales fees or other costs associated with the purchase of the investments."
Shortly after the issuance of the order sought by the SEC Woodbridge declared bankruptcy. This filing does not extinguish the rights of investors. These investors have claims against the brokers and advisors selling the investments.
Woodbridge has additionally stated that it has also received inquiries from about 25 state securities regulators concerning the alleged offer and sale of unregistered securities by unregistered agents.
The Woodbridge Group of Companies missed payments on notes sold to investors the week of November 26, 2017, and December 5, 2017 filed chapter 11 bankruptcy. The company blamed rising legal and compliance costs for its problems.
Woodbridge said it had settled three of the state inquiries and was in advanced talks with authorities in Arizona, Colorado, Idaho and Michigan when it filed for Chapter 11 protection.
The company's CEO, Robert Shapiro, resigned on December 2 but will continue to be paid a monthly fee of $175,000 for work as a consultant to the firm.
On August 14, 2018, Jerry Raines of HD Vest Investments entered into a regulatory settlement whereby he agreed to a bar from the securities industry to resolve the investigation into his sale of Woodbridge notes. Raines operated from Kilgore, Texas. Likewise, Donna Lynn Barnard, agreed to a similar sanction.
David Ferwerda likewise entered into a regulatory settlement concerning his sale of Woodbridge. Ferwerda did not contest the charge and FINRA simply stripped him of his license. This, however, does not exonerate either Ferwerda or his former employer, Signator Investors, of civil liability for losses.
Frank Roland Dietrich entered into a regulatory settlement with FINRA concerning sales in excess of $10 million of Woodbridge. Dietrich was previously a broker with Quest Capital and Wunderlich Securities. The FINRA settlement included Dietrich agreeing to a lifetime ban from the securities industry.
Gary Forrest of American Portfolios entered into a settlement with regulators in April 2019.
Likewise, Gary L. Pevey of Mutual Securities was suspended by FINRA for one year for the sale of Woodbridge.
Those at Woodbridge are not the only ones responsible for investor losses. The Colorado Division of Securities is considering sanctions against investment advisor Ronald Caskey of Firestone, Colorado. Caskey is the host of the Ron Caskey Radio Show. James Campbell of Campbell Financial Group in Woodland Park, Colorado and Timothy McGuire of Highlands Ranch, Colorado are also the subject of regulatory investigations by the state regulator. The Colorado Division of Securities has also begun investigating Jerry Kagarise of Security 1st Financial of Colorado Springs. Another seller of Woodbridge in the Springs area is Carrier Financial.
These and other Colorado investment advisors have raised approximately $57 million from 450 Colorado investors. Woodbridge continued to solicit investors through these advisors, in addition to radio and online ads, through October 2017, just prior to the bankruptcy filing.
While the regulatory actions will do little to compensate the damaged investors, these actions support private civil actions for recovery by investors. We are investigating and in the process of bringing suit against Colorado investment advisors selling Woodbridge investments, and would like to share what we have learned with other investors in Colorado and nationwide.
Rueters is the source of some of the information contained herein.
This entry was posted in Uncategorized and tagged Advisor Negligence, arbitration, Attention investors, attorney representation, Campbell Financial, Carrier Financial, class action, Colorado, Colorado Springs, Denver, FINRA Arbitration, fraud, HD Vest, Idaho, Ponzi Recovery, Raines lawsuit, REIT Loss, securities fraud, Signator Investor, Texas Woodbridge, unsuitable securities, Woodland Park on December 6, 2017 by Jeff Pederson.
Wells Fargo Losses
If you suffered losses with Wells Fargo in ETP investments or other investments that you understood to have only low to moderate risk, please call 1-866-817-0201 for a free and confidential consultation with an attorney.
FINRA, the regulator that oversees securities brokerages, ordered Wells Fargo on Monday to pay investors $3.4 million after its advisers recommended "unsuitable" investments known as volatility-linked products that were "highly likely to lose value over time."
Wells Fargo pushed its investors into these investments, volatility-linked ETPs, as hedges, to protect against a market downturn. In fact, these investments are unsuitable for such a strategy. The investment are, in reality, "short-term trading products that degrade significantly over time," regulators said, and "should not be used as part of a long-term buy-and-hold" strategy. The recommendation of such unsuitable investments is a form of negligence, and could be seen as reckless enough to be considered fraud.
Volatility-linked ETPs are complex products that most investors do not understand and, as such, they rely upon their adviser, who should be a trained professional, to understand. Certain Wells Fargo representatives mistakenly believed that the products could be used as a long-term hedge on their customers' equity positions to help safeguard against a downturn in the market. In fact, volatility-linked ETPs are generally short-term trading products that degrade significantly over time and should not be used as part of a long-term buy-and-hold investment strategy.
FINRA issued Regulatory Notice 17-32 shortly after announcing the settlement with Wells Fargo to remind firms of their sales practice obligations relating to these products. Wells Fargo had previously been on notice to provide heightened supervision of complex products such as ETPs in Regulatory Notice 12-03, and were advised, along with all other brokerages, to assess the reasonableness of their own practices and supervision of these products.
FINRA found, "Wells Fargo failed to implement a reasonable system to supervise solicited sales of these products during the relevant time period." The complete news release of the FINRA action can be found at the following link.
This entry was posted in Uncategorized and tagged arbitration, class action, Colorado, financial adviser, financial advisor, FINRA, unsuitable securities, Wells Fargo on October 17, 2017 by Jeff Pederson.
Loss Recovery from H. Beck
Investors with H. Beck may have grounds for recovery for investment losses in ETFs and other investments.
H. Beck recently consented to a settlement with regulators. The settlement stated that from at least July 2008 until June 2013, H. Beck failed to properly supervise the sale of nontraditional ETFs and failed to properly supervise the recommendations made by its financial advisors. As a result, H. Beck violated NASD Rules 2310, 3010(a) through (b), and 2110, and FINRA Rules 2111, 3110(a)-(b), and 2010.
Between 2008 and 2011, H. Beck's financial advisor James Dresselaers recommended to the Firm's customer, EB, investments in several nontraditional exchange-traded funds ("ETFs") and stocks issued by companies in the metals and mining sector. These recommendations were unsuitable for EB, a professional athlete with no investment experience, a moderate risk tolerance, and an investment objective of long-term growth. EB suffered losses of more than $1.1 million on these investments.
NASD Rule 3010(a)-(b) and FINRA Rule 3110(a)-(b) require every investment brokerage to establish and maintain a system and procedures to supervise the activities of its financial advisors that is reasonably designed to achieve compliance with securities laws and regulations and applicable NASD/FINRA rules.
FINRA rules require that financial advisors only recommend investments to suitable investors. So if an investment poses too much risk, or possesses other characteristics that are inconsistent with the wants and needs of the investor, it is a violation to recommend that investment to such an investor. This is commonly referred to as a "suitability" violation.
This is not the first time H. Beck has been penalized by regulators over non-traditional investments. In March 2015, H. Beck was censured and fined $425,000 for failing to properly supervise the sale of unit investment trusts (UITs), failing to properly supervise the preparation of account reports sent to investors, and failing to enforce its own written supervisory procedures relating to financial advisors' outside email accounts, which is a significant protection against fraud. Dresselaers also has a history of customer disputes. This is concerning since Dresselaers is listed as the top executive at H. Beck.
Such regulatory findings and prior disputes evidence wide-spread supervisory problems at H. Beck and support private claims by investors.
This entry was posted in Uncategorized and tagged arbitration, attorney, California, Colorado, Dallas, ETF, financial adviser, financial advisor, FINRA, Florida, H. Beck, Maryland, Stockbroker fraud, Texas, UIT, unsuitable securities on September 28, 2017 by Jeff Pederson.


This is a post about the importance of children being afforded the 'luxury' of boredom in their play time. Of course, I'm not advocating for a dull and weary childhood. Nor am I against playing a part in my child's daily 'entertainment'. I am, however, about to celebrate a little boredom in my son's life, and suggest ways to include a healthy dose of boredom in childhood.
Children need unstructured time and space to explore and engage in play. If every minute of their waking life is scheduled, their time available for thinking and learning freely through play is reduced.
Just being at the park, left to their own devices, un-rushed, was enough for these kids to explore the play equipment, dig in the large sand pit, kick a football around, and then… best of all … discover a big pile of red dirt, to jump, dive, kick, and roll in, and laugh heartedly at each other's crazy tricks!
Children often identify that they are 'bored' at times of transition; when they have come to the end of one activity and are ready for the next.
Sometimes it is difficult for children to think of new activities or play ideas.
Leaving 'play props' or loose parts out, such as a box of coloured chalk, open and ready to capture someone's interest might be all that is needed to spark a new play idea at one (of the many) play transition points (aka: 'moments of boredom') in a child's day.
Children widen their repertoire of play ideas through experience. As the saying goes: "practise makes perfect"!
The more opportunities kids have to experience games and play ideas (even if they are just watching from the periphery) – the more possibilities are stored away in their memories to access in times of 'boredom'. Not only that, the more often that kids are given the 'gift of boredom', that feeling of not being sure of what to do next, the more easily, quickly and confidently they'll be able to think about what to do next. They may be drawn to a whole new play idea, or perhaps even the possibility of extending the existing play idea by adding new elements and more complex play sequences.
It's important to remember that most kids, including our young B, learn to occupy free, unstructured time through a variety of means. For example, busy, creative, beach play has been practised via sensory exploration (running, crawling, rolling, kicking, jumping, feeling the sand and water…), imaginative scenarios related to whatever his latest obsession is (cooking, puppy dogs, trains, planes, cars, pirates…), as well as visual examples (watching and joining us and others in constructing sand castles, digging and filling little pools of water, doing funny walks in the sand, collecting shells, jumping waves, …).
B has recently taken to climbing trees. Whilst walking along the creek we've been plenty of times before, he approached a nice looking tree and stood analysing it.
"Great idea!… Hmm…how are you going to do that?" I prompted encouragingly, wondering where his problem solving was at.
Children hold the key to the creative, inventive, clever advancements of the future. Many of the career paths they will pursue as adults do not even exist today. We cannot even begin to imagine what they will be capable of or responsible for. This is why I feel so strongly that children must be given more open, unstructured, inquiry based, play experiences.
We must follow their lead, and support them just enough and in just the right ways, to ensure they feel comfortable and confident enough to move through moments of boredom. Who knows what problems may be solved or what dreams and ideas may be imagined by our children as a result of the many, many quiet, un pressured 'bored' moments they'll experience throughout their lives!
If you've stuck with me until here, on my ramble about boredom that is truly close to my heart… I thank you!!


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Chelsea edge past Lille and into Champions League last 16
London (AFP)
Chelsea booked their place in the last 16 of the Champions League as first-half goals from Tammy Abraham and Cesar Azpilicueta sealed a 2-1 win over a much-changed Lille at Stamford Bridge.
Victory for Valencia over Ajax in the other game in Group H means Frank Lampard's men go through behind the Spaniards with last season's semi-finalists relegated to the Europa League.
Chelsea knew victory would take them into the knockout stages no matter what the outcome was in Amsterdam and did their job early on against a Lille side with just one point to show for their return to the Champions League for the first time in seven years.
Simple finishes from Abraham and Azpilicueta were just reward for a dominant first-half display, but Chelsea were forced to hold on in the final stages after Loic Remy halved Lille's deficit against his old club 12 minutes from time.
The visitors were already sure to finish bottom of the group and coach Christophe Galtier showed his priority is trying to secure a return to the Champions League next season by finishing in the top three of Ligue 1 as he made seven changes to the side that beat Brest on Friday.
Chelsea had won just one of their previous five games after a great start to life under Lampard and the Blues boss responded by adding a little more experience to what has been a very young side so far this season.
Antonio Rudiger returned from injury to make just his second start of the campaign at centre-back, while Jorginho was restored in midfield to the side that lost 3-1 to Everton on Saturday.
Up front, Abraham was again flanked by Christian Pulisic and Willian, and all three combined to open the scoring on 19 minutes.
Pulisic unselfishly played in Willian on the right instead of opting to go for goal himself and the Brazilian's driven cross was tapped in by Abraham for his 13th goal of the season.
Lille have been the whipping boys in a three-way shootout for two places in the last 16 and showed why 10 minutes before half-time when Azpilicueta was left completely unmarked to head home Emerson's corner from close range.
Mike Maignan in the Lille goal kept his side in the game with a fine double save from Pulisic and Willian at the start of the second half.
However, Chelsea took their foot off the gas as Lampard replaced Pulisic and Abraham ahead of a busy festive period in the Premier League.
And the hosts had to suffer a nervy final dozen minutes when Remy fired in off the underside of the bar.
Remy was a peripheral figure during three seasons at Chelsea between 2014 and 2017, but nearly came back to haunt his old employers only to fire weakly into the arms of Kepa Arrizabalaga in stoppage time.
Instead, Chelsea saw the game out to mark another impressive milestone in Lampard's first season in charge.

redpajama_set_name: RedPajamaCommonCrawl


• Design incorporates threaded insert into hose waterway. Shell covers hose end.
• Available in chrome brass as Style K-BW-B.
• Brass booster couplings are machined from yellow brass rod C36000 of ASTM B16.


Why does George look out for Lennie?
This GCSE English Literature quiz will test you on John Steinbeck's Of Mice and Men. Although comprehension accounts for the first steps in approaching any work, it is not always easy to understand a text. Authors have a variety of methods through which to convey meaning and very rarely state what they mean directly. Instead, they use character, setting, plot, theme and dialogue to show the reader what they wish to convey. As a reader, you must pay close attention and try to understand the text as you read. Sometimes it becomes apparent that you will need to reread certain sections, especially if a later turn of events shows that you might have missed something. Don't worry! This happens to all readers and shows that you are paying attention!
Comprehension works on several levels simultaneously. Think about context and setting and how these relate to events. Consider too how events relate to each other. One helpful method for understanding a text is to create a timeline of events. Remember, though, that events are not always revealed in the order in which they occur chronologically. Sometimes it can be useful to create chapter summaries when the structure of a text differs from the chronological timeline.
Think about characters' actions and what these reveal about their motivations. Do any clues in the text explain their behaviour? Should readers take their words at face value, or should their subtext be examined more closely? Do characters' words always match their actions and their beliefs? Try to answer why or why not, justifying your views by referring in detail to the text.
Analysing beginnings and endings is a very useful activity. Why does the text begin where it does? How do you come to find out about previous events? Is there any distance between the narrator and the time when reported events took place? Are future events foreshadowed? How? Analyse individual chapters in the same way: think about the significance of their beginnings and endings. Undertaking detailed analysis of this sort will really improve your knowledge and understanding of the text!
Read the questions below on Of Mice and Men by John Steinbeck and test your knowledge and understanding of the text.
Why does George shoot Lennie?
Why did Lennie and George have to leave Weed?
For how long do Lennie and George expect their jobs to last?
What are George and Lennie employed to do at the ranch?
Why does Lennie eventually begin to talk to Curley's wife? Choose the best answer.
Why does Curley's wife seek out Lennie in the barn?
What makes the dream of owning a home, a ranch and some rabbits a sudden possibility for Lennie and George?
Why is Curley often looking for his wife?
What does Crooks do to upset Lennie on the night the other men go into town?


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Chris Pratt Reveals How Nude He's Willing to Go Onscreen
By Jackie Willis 9:54 AM PST, December 13, 2016
Chris Pratt Recalls His Hilarious Failed Attempt to Impress Aaro…
'Darcey & Stacey': Darcey and Stacey Dish on Season 3 and Darcey…
'90 Day Fiancé': Loren and Alexei on Their New Spinoff and Son A…
How Lady Gaga Is Approaching New Projects After 'House of Gucci'…
Oliver Hudson Gives Behind-the-Scenes Look at 'The Cleaning Lady…
'Wipeout' Contestants Fight Their Way Through Obstacle Course to…
Oprah's Biggest Celebrity Sit-Down Interview Confessions of 2021
Watch Kate Middleton's Impressive Piano Performance at Royal Chr…
Kim Kardashian Shows Off Lavish Christmas Gifts From Mom Kris Je…
'Cheer' Season 2 Trailer: How Jerry Harris' Sexual Misconduct Al…
Music Stars Who Made Major Moves in 2021
'Yellowstone': Luke Grimes Teases What's in Store for Kayce and …
'Cobra Kai' Season 4: Cast Breaks Down That Epic Prom Fight and …
Adrienne Houghton Gives an Inside Look at 'I Can See Your Voice'…
Kim Kardashian and Pete Davidson Spotted Together on Bahamas Get…
Jessica Chastain on 'Zero Dark Thirty' 10 Years Later and PSIFA …
Cardi B Shares Adorable Video of Offset Cradling Son
'Mayor of Kingstown' Finale Sneak Peek: Jeremy Renner Gets Into …
Chris Pratt gets "naked" in Passengers, but just how much skin is the actor really willing to bare on camera?
"You don't see my Jon Stewart," he quipped on Monday's Late Late Show, leading host James Corden to joke that you do see Pratt's "John Oliver."
Clarifying how naked he is in the space film, the 37-year-old actor added frankly, "You see my butt."
EXCLUSIVE: Chris Pratt Reveals How He Gets Ready for Nude Scenes -- 'Really Deep Mental Preparation'
Office Christmas Party star Olivia Munn was also a guest on the late-night program and asked Pratt about how specific he got when drawing up his nudity clause. "You really stipulate what they are and are not allowed to show," he explained.
"Your contract is butt cheek and one ball," Corden quipped. "Well, I only have the one," Pratt joked back. "But I don't let them see the upper part."
WATCH: Jennifer Lawrence Reveals How She Prepared for Kissing Scenes With Chris Pratt in Passengers
Pratt also shared a story about the time he got "starstruck" when hanging out with Munn and her boyfriend, Green Bay Packers quarterback Aaron Rodgers, and attempted to grill for his guests. "When Aaron Rodgers comes to your house, you think, 'I better man up here, you know?' So I planned some manly things because I desperately, of course, want him to be my friend," he admitted. "At first, it took me, like, 20 minutes to figure out how to turn the [grill] on, and then I grilled. I'd heard the best way to do it, is to just crank it up as hot as possible and then just sear it. Well, I seared it for, like, 20 minutes too long."
"What happened is, it was a rental house and the guy who had it before must grill, like, 50 times a day because it was caked with all this grease," he continued. "That [grease] caught on fire, so [the steak] was sitting essentially in the center of a fire. It wasn't just getting grilled from a foot away."
WATCH: Jennifer Lawrence Can't Stop Laughing When Chris Pratt Insults Passengers Sex Scene
Pratt exclaimed, "I got nervous! I wanted [Rodgers] to be my friend."
Attempting to comfort the actor, Munn responded, "He really likes you and he'd like to hang out again!"
WATCH: Jennifer Lawrence Is Still Being 'Heavily Featured' on Chris Pratt's Instagram -- See the 'Meaningful' Video!
Meanwhile, Pratt's Passengers co-star, Jennifer Lawrence, was on Monday's Jimmy Kimmel Live and further confirmed that he does have a nude scene. "Chris Pratt is in it," she said in promotion of the movie. "You can see his butt!"
Watch Jennifer Lawrence Get Revenge on Chris Pratt in an Epic Way!
Celebrities in Their Underwear
Late Late Show
'America's Funniest Home Videos' Pays Tribute to Late Host Bob Saget


text:
#import <Foundation/NSObject.h>

void wrap_free(void* x) { free(x); }

void interproc_free_ok() {
  int* p = malloc(sizeof(int));
  wrap_free(p);
}

void leak_bad() { int* p = malloc(sizeof(int)); }

redpajama_set_name: RedPajamaGithub


text:
Lasionycta subfumosa es una especie de mariposa nocturna de la familia Noctuidae.

Habita en Norteamérica, desde la isla Victoria y la isla de Banks en los Territorios del Noroeste hasta las montañas Darby en la península de Seward, en Alaska.

Es una especie diurna. Los adultos vuelan desde finales de junio hasta julio.

subfumosa
Lepidópteros de Canadá
Lepidópteros de Estados Unidos
Animales descritos en 1920

redpajama_set_name: RedPajamaWikipedia


text:
How Arsenal might line up against Sydney FC
Dan Critchlow - Jul 13, 2017
Arsenal's first pre-season game is a friendly against Sydney FC at 11am and we're taking a look at how the team might line up.
Pictures: Arsenal players visit the Sydney soccer school
Continuing with their pre-season tour of Sydney, some Arsenal players have taken a break from training to visit the Emirates soccer school.
Arsenal embarrass Liverpool on pre-season tour
Arsenal have been receiving positive reviews on their conduct in Sydney, in comparison to previous tours of the city.
Pictures: Sydney FC unveil new kit almost identical to Arsenal's
With Arsenal's arrival drawing a lot of the attention to their home city, Sydney FC have taken the opportunity to unveil next season's kit.
How Australia benefits from Arsenal's pre-season tour
Arsenal's pre-season tour is underway, with the Gunners currently in Sydney for two friendly matches, which Australia is looking to benefit from.
Alexis spends his holiday with new girlfriend Mayte Rodriguez
Alexis Sanchez is currently enjoying a well-earned rest, spending his summer holiday with new Chilean girlfriend Mayte Rodriguez.
Trio of European clubs circling Arsenal's nomadic attacker
Lucas Perez has been linked with three clubs as he seems to move closer to an exit from North London.
Mesut Ozil makes surprise admission about his teammate on Sky Sports
Speaking to the media during Arsenal's pre-season tour in Australia, German playmaker Mesut Özil has said he hopes Alexis Sanchez will stay this summer.
Wenger speaks out about £20m deal
With the signing of Alexandre Lacazette having been completed, questions have been asked about the future of Olivier Giroud at Arsenal.
25-year-old rejects Chelsea, Man Utd and Arsenal to agree potential £31m deal
James Rodriguez has officially joined Bayern Munich on a two-year loan from Real Madrid.
"Remote" chance of £17m striker returning to La Liga
Deportivo La Coruna President Tino Fernandez has stated that it would be difficult to bring Lucas Perez back to the Estadio Riazor.
Arsenal's shirt numbers for the 2017/18 season released
Arsenal have released shirt numbers for the 2017/18 season........on the club shop website......
Manchester United make flimsy excuse why they didn't sign Arsenal striker
Sources close to Manchester United manager Jose Mourinho have told the media the club didn't want Alexandre Lacazette, after missing out on his signature this summer.
£2.6m deal mooted as Arsenal star endures squad number snub
With a few new squad numbers allocated and added to the club shop website, Joel Campbell was a notable absentee.
Where could £40m attacker line up for Arsenal?
Thomas Lemar has been strongly linked with Arsenal over the last few weeks, but how would he fit in if he joined?
From Non-League to Arsenal's pre-season tour in Sydney: Bramall prepares for his debut
Six months ago, Arsenal signed Non-League defender Cohen Bramall. And now he's to play alongside Mesut Ozil and Alexandre Lacazette in the club's pre-season tour.
Özil: "What Draxler told me about our new signing"
Mesut Özil has been talking about Arsenal's first signing of the summer, Sead Kolašinac, in an interview on the Arsenal website.
£50m deal could be off as Arsenal turn attentions to 21-year-old
Arsenal could end any interest in Riyad Mahrez to pursue Thomas Lemar, according to reports.
Arsenal fearing the worst should Manchester City miss out on Dani Alves
Paris Saint-Germain are trying to beat Manchester City to Dani Alves's signature, which could lead the Sky Blues to target Bellerin again.
23-year-old on tour but still a target for Liverpool and Chelsea
Oxlade-Chamberlain was named in Arsenal's 25-man squad for this summer's pre-season tour, but his future is still far from resolved.
Juventus tell Arsenal how much they'll have to pay for 29-year-old
Juventus have set a price for ex-Chelsea winger Juan Cuadrado, according to reports in Italy.
Chinese transfer window closing is good news for Arsenal fans
The Chinese Super League sees its transfer window close on Friday, and new tax regulations seem to have successfully limited the league's foreign spending.
31-year-old finally on his way out of Arsenal
After the announcement of Arsenal's 25-man pre-season squad on Sunday, it seems increasingly likely that Mathieu Debuchy is on his way out.
27-year-old's exclusion from pre-season tour angers Arsenal fans
Wojciech Szczęsny looks to be on his way out of Arsenal after being left out of their pre-season tour of Australia and Arsenal fans are not happy.
Renaming the Emirates
Dan Critchlow - Jul 8, 2017
In November 2012, Arsenal and Emirates announced a new deal, in part granting Emirates the naming rights to Arsenal's stadium until 2028.
Referee says Arsenal legend's actions 'changed football'
In 2010, Thierry Henry handled the ball and then assisted the winner for France in a World Cup play-off against the Republic of Ireland.
Sol Campbell: From Tottenham to trophies
16 years ago, Sol Campbell moved across North London in a deal that delighted Arsenal fans and horrified Spurs fans in equal measure.
Kanu: We have the fame, the money, we have to help
A legend on the pitch and off it, Nwankwo Kanu has traded in trophies with the Gunners for saving lives back in Africa
New Watford signing advised to be more like Arsenal 22-year-old
Watford's new recruit Kiko Femenia has been advised to follow in Hector Bellerín's footsteps by La Liga expert Kieran Canning.
The unknown links between Arsenal and Sydney FC
Arsenal's pre-season tour is fast approaching, and with the first stop on that tour being Sydney, today we're looking at the links between Arsenal and Sydney FC you may not know about.
Councillor calls for better Arsenal transport links, Mayor to help
Drayton Park could open on matchdays to reduce overcrowding, according to a report in the Islington Gazette.
Watford £5m bid rejected for 22-year-old Arsenal target
AC Milan forward M'Baye Niang, who has been linked with Arsenal, has had a bid from Watford rejected for him.
Chelsea to annoy Arsenal because Manchester United annoyed them
Chelsea could turn to Alexis Sanchez to replace Diego Costa if they miss out on Romelu Lukaku, according to reports.
Former Arsenal legend tells forward to leave the club
Arsenal's Theo Walcott would fit in well at West Ham, claims former Gunners' left-back Nigel Winterburn.
PSG plan £70m Liverpool bid after Mbappe talks fail
PSG have reportedly turned to Coutinho after not making any progress in their attempts to sign Kylian Mbappé.
26-year-old Premier League star wants to join Arsenal
Riyad Mahrez is keen on a move to Arsenal, according to a report in the Daily Mail.
Chelsea prepare to kill Arsenal's £10m Russian move
Chelsea are interested in CSKA Moscow midfielder Aleksandr Golovin, who has been linked with Arsenal over the summer.
Arsenal-linked 22-year-old expresses Premier League desire
Atletico Madrid centre-back Jose Gimenez has told Uruguayan media that he wants to play in the Premier League.
Arsenal target tough-tackling Monaco star with eye for long pass
Arsenal are rumoured to be interested in AS Monaco midfielder Fabinho, according to France Football.
"Keep yourself right" Keown tells Holding how to keep his place next season
Arsenal youngster Rob Holding has had a solid first season for the Gunners, and club legend Martin Keown has offered his advice to help him continue to improve.


text:
DJ Khaled's "Grateful" Has Debuted at Number 1 on the Billboard 200
Another (number) one.
Music Jul 3, 2017
Jack Stanley
DJ Khaled's recently released album, Grateful, has gone straight into the Billboard 200 at number 1. The album earned 149,000 equivalent album units in the week ending on June 29, of which 50,000 were in the traditional album format. Grateful is Khaled's second album to reach the top spot, after 2016's Major Key also got to the peak of the Billboard chart, with 95,000 units in its first week. Khaled took to Instagram to mark the occasion with a video of him dancing, as well as the promise of a thank you speech to come later today.
It's been a busy couple of weeks for Khaled, who has starred in Apple Music's latest commercial and released a video for "It's Secured" with Travis Scott and Nas, as well as releasing his new album.
BillboardDJ KhaledBillboard 200Grateful
Lorde's 'Solar Power' Debuts at No. 5 on Billboard 200
Trippie Redd, Aaliyah and Rod Wave also appear in this week's top 10.
By Sophie Caraan/ Aug 30, 2021
Juice WRLD's 'Fighting Demons' Debuts at No. 2 on Billboard 200
While Adele's '30' logs its fourth consecutive week at No. 1.
By Sophie Caraan/ Dec 20, 2021
Meek Mill's 'Expensive Pain' Debuts at No. 3 on Billboard 200
Taylor Swift, Drake and Kanye West also appear in this week's top 10.
By Sophie Caraan/ Oct 10, 2021
Pop Smoke's 'Faith' Debuts at No. 1 on Billboard 200
The late artist appears twice on this week's top 10 with both his posthumous albums.
By Sophie Caraan/ Jul 25, 2021
A Closer Look at the adidas Y-3 Futurecraft 4D
Yohji's latest adidas footwear.
By Jack Stanley/ Jul 3, 2017
Nike Gives the Air Max 1 Jewel a Monochrome Rework
The latest reissue of the '90s sneaker.
Watch Drake Surprise a Toronto Crowd on Canada Day
Giving the gift of Drake.
By Karl Smith/ Jul 3, 2017
Burberry's New Collection is Inspired by Mythical Beasts
Featuring everything from key charms to ponchos.
Watch an Artist 3D Print His Own Motorbike
Taking DIY to the next level.
Listen to Sampha Cover Solange's "Cranes In The Sky"
Part of an intimate set at this year's Glastonbury Festival.
Air Jordan 9 Baseball Glove Pack Pays Tribute to the G.O.A.T.'s Baseball Career
He wanted to be the best at baseball, too.
By HB Team/ Jul 3, 2017
Maison Martin Margiela Co-Founder Jenny Meirens Has Passed Away
A quiet but powerful voice in contemporary fashion.
The Nike Air Zoom Mariah Flyknit Racer "String" Is Releasing Soon
The revamped '80s model gets a hot streak of red.
By Joanna Fu/ Jul 3, 2017
Ducati Recruits Customizer Fred Krugger for a New Concept XDiavel
Marking its third XDiavel concept.


Designed by Duravit, this Bacino square washbowl displays contemporary, clean lines, and can be paired with your choice of high, floor or ceiling-mounted basin mixers. It features a hidden overflow, without tap platform, and includes fixings in order to fix it to a countertop. It measures 420mm wide.


text:
Q: Custom header in tableview slowing down iPhone 3G with 3.1.3 i'm having 2 problems using uitableview custom headers:
1) The bigger one is that custom headers are slowing down a lot the scrolling of the list on a real iPhone 3G with 3.1.3, while remains perfect on the simulator or on a real iPad. This is the code i'm using:
- (UIView *)tableView:(UITableView *)tableView viewForHeaderInSection:(NSInteger)section  {

    UIView *headerView = [[HeaderView alloc] init];
    headerView.alpha = 0.7;

    UITextView *label = [[UITextView alloc] initWithFrame:CGRectZero];
    label.textColor = [UIColor whiteColor];

    switch (section) {
        case 0:
            label.text = @"Mattina";
            break;
        case 1:
            label.text = @"Pomeriggio";
            break;
        case 2:
            label.text = @"Sera";
            break;
        default:
            label.text = @"";
            break;

    }

    [headerView addSubview:label];

    return headerView;
}

2) Using the above code the title label is not showing... where's the error?
Thanks!

A: I see two problems in this:

*

*Why are you setting label's frame to CGRectZero? It doesn't have the autoresizing property set by default, so it won't stretch to fit Headerview. I'd set the width and height explicitly, just to be sure, but this might do the trick:
label.autoresizingMask = UIViewAutoresizingFlexibleWidth;

*Why are you using UITextView instead of UILabel? It's not widely known, but UITextView has some issues with displaying content after being placed on scrollable views. It does not always refresh properly. Moreover, it's an overuse, I would personally find it counterintuitive to be able to scroll a view within another scroll view i.e UITextView within UITableView.

A: @Abramodj i think you need to do
[label setBackgroundColor:[UIColor clearColor]];

A: The slowness was caused by a leak. The solution was simply to set the autorelease on the headerView object:
UIView *headerView = [[[HeaderView alloc] init] autorelease];

redpajama_set_name: RedPajamaStackExchange