REBUILD & RECOVER. VEGAS HOUSING REPORT Suncoast Hotel & Casino April 22, Prepared by:
|
|
|
- Arthur Powers
- 5 years ago
- Views:
Transcription
1 REBUILD & RECOVER VEGAS HOUSING REPORT Suncoast Hotel & Casino April 22, 2014 Prepared by:
2 REBUILD
3 The Great Recovery continues moderately. Nevada Recovery Comparison: Last 11 Recessions % Job Losses Compared to Peak Job Month (12/2007), Current Jobs Recession-NV -15.3% 24-Mo. Positive Trend 3 Source: U.S. Bureau of Labor Statistics. Indexed by RCG.
4 The return of visitors. Nevada Visitation YoY Growth: Nevada (Jan/14 = 3.96 M visitors) 6% Southern NV (Jan/14 = 3.57 M visitors) 4% 2% 0% -2% -4% -6% -8% -10% NV: 40 Mos.. Positive YoY Growth Last 4 Mos.. Growth Has Leveled Off 4 Sources: Las Vegas Conventions & Visitors Authority
5 Clark County gaming market returns but slowly. Clark County Gaming Revenue: $1,000,000, Month Moving Average $900,000,000 $800,000,000 $700,000,000 $600,000,000 $500,000,000 NV: 34 Mos.. Positive Trend $400,000,000 5 Source: Nevada Gaming Control Board.
6 Leisure & Hosp. s improving operating environment. Healthy increases in avg. daily room rates. Clark County Room Inventory & Occupancy Rates: , ,000 Clark Room Inventory Clark Hotel/Motel Occ % 92% 90% 145,000 88% Rooms 140, , , , ,000 Feb-2014 Occ % Clark Cnty. = 85.0% 17/20 Mos. Positive YoY Growth 86% 84% 82% 80% 78% 76% Occupancy (%) 115,000 74% 6 Source: Las Vegas Convention & Visitors Authority.
7 THE ECONOMY
8 Private sector positive since 2011; public sector shows uptick beginning last year. Clark County Public & Private Employment YoY Growth: Public Emp. Ch. (Mar/13-Mar/14 = +2,000) Private Emp. Ch. (Mar/13-Mar/14 = +28,600) 80,000 60,000 40,000 20, ,000-40,000-60,000-80, , , ,000 Mar-04 Mar-05 Mar-06 Mar-07 Mar-08 Mar-09 Mar-10 Mar-11 Mar-12 Mar-13 YoY Employment Change 38 Mos..-Private Sector YoY Growth 18/19 Mos..-Public Sector YoY Growth 8 Source: Nevada Department of Employment, Training & Rehabilitation.
9 Diversified or Not? Clark County Economy Employment by Industry: 2013 Clark County U.S. 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 4.5% 8.5% 3.9% 4.9% 9.9% 5.2% 4.0% 10.1% 2.4% 3.1% 2.9% 2.8% 15.4% 11.5% 10.0% 8.9% 19.1% 17.3% 17.5% 17.6% 19.3% 1.1% 19.6% 19.5% 1.5% 1.4% 1.2% 5.1% 20.4% 6.0% 5.7% 5.2% 2.0% 11.7% 2.5% 2.2% 5.9% 9.5% 11.4% 12.2% 2.5% 6.2% 6.1% 6.1% 6.3% 9.3% 13.4% 6.6% 7.3% 12.1% 13.0% 10.2% 11.1% 12.7% 13.6% 15.4% 33.5% 31.4% 32.2% 29.5% 8.4% 9.0% 9.5% 10.0% 3.9% 4.2% 4.0% 4.1% 2.9% 2.7% 2.8% 2.9% 11.3% 10.6% 11.1% 11.7% 17.4% 16.8% 16.4% 16.4% Natural Res. Construction Manufacturing Trade/Trans./Util. Information Financial Act. Prof. & Business Educ. & Health Leisure & Hosp. Other Services Government 9 Source: U.S. Bureau of Labor Statistics. Analyzed by RCG.
10 The real unemployment rate - beyond the official rate. Nevada: Alternative Measures of the Nevada Unemployment Rate: U6 = U3 + All Marginally Attached + Part-time Workers 18.1% U5 = U3 + Discouraged + All Other Marginally Attached Workers-11.7% U4 = U3 + Discouraged Workers- 10.8% 20 % Rate U3 = Official unemployment rate 9.8% 3 Years of Declining U Note: Rates are at a 4-quarter moving-average basis. Source: U.S. Bureau of Labor Statistics.
11 Consumer spending returning. How sustainable? Clark County & Nevada Annual Taxable Sales, $B 12-MMA: January 2004 to January 2014 $60 $50 $40 Billions $30 $20 $10 Nevada TRS CC TRS CC: 8 Mos. Positive YoY Growth NV: 44 Mos. Positive YoY Growth $0 Jan-04 Jan-05 Jan-06 Jan-07 Jan-08 Jan-09 Jan-10 Jan-11 Jan-12 Jan-13 Jan-14 Source: Nevada Department of Taxation; calculated by RGC. 11
12 Clark County has competitive but relatively low wages. Avg. weekly wage below U.S. average. Clark County & US Average Weekly Wages Adj. in 2013 $ $975 $925 Clark County US $875 $825 Clark County Still Trying to Find Its Footing $775 Q3/03 Q3/04 Q3/05 Q3/06 Q3/07 Q3/08 Q3/09 Q3/10 Q3/11 Q3/12 Q3/13 Source: U.S. Bureau of Labor Statistics. Calculated by RCG. 12
13 Nevada real household income stabilizing but hit hard between 2010 & 2012 Nevada vs. US Real Household Income: Adj. in 2013 $ (2002 to 2012) $65,000 $60,000 $59,863 $57,380 $55,000 $54,127 $55,627 $53,918 $51,017 $50,000 $45,000 Nevada Real Household Income $47,333 U.S. Real Household Income $40,000 Jan-02 Jan-03 Jan-04 Jan-05 Jan-06 Jan-07 Jan-08 Jan-09 Jan-10 Jan-11 Jan-12 Source: U.S. Department of Commerce: Census Bureau/FRED 13
14 Clark County weekly hours worked still trying to find, but improvement expected Clark County & US Average Weekly Hours Worked: Clark County US Clark County Still Trying to Find Their Footing, Pt Source: Bureau of Labor Statistics. 14
15 Rise in mortgage rates will slow effect affordability (30-yr rate has been below 6% for 5 years) 30-Year Fixed-Rate Mortgage: 04/ / % 7.0% 6.0% 5.0% Apr-14: 4.31% 4.0% 3.0% 2.0% 1.0% 0.0% Source: St. Louis Federal Reserve 15
16 RECOVER
17 Nevada Gross State Product struggles to reach pre-recession peak Nevada Real Gross State Product (Chained 2005$M): 2003 to 2012 Real GSP (2005$M 130, % 125, % 8.0% 120,000 Real GSP (2005$M) 6.0% RGSP Change 115, % 110, % 0.0% 105, % 100, % -6.0% 95, % 90, % Source: U.S. Bureau of Economic Analysis 17
18 Nevada 2 nd in job growth last 12 Months (North Dakota was 1 st ) Annual % Job Growth by State, as of March % 5.0% 4.0% 3.6% 3.0% 2.0% 1.0% 0.0% -1.0% Alabama Alaska Arizona Arkansa California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming 18
19 Las Vegas future actually looks pretty bright. Las Vegas Population Trends & Forecasts: ,000 10% 3,500 3,000 2,500 9% 8% 7% 6% 2,000 1,500 1, LV Population Estimates (2011 = 2.7 M) LV Population Forecasts (2040 = 4.2 M) Annual % Change in Pop. (2011 = 0.7%) Annual % Change in Forecast (Avg. = 1.5%) 5% 4% 3% 2% 1% % 19 Source: Woods & Poole.
20 Las Vegas future actually looks pretty bright, cont. Las Vegas Employment Trends & Forecasts: ,500 15% 2,000 10% 1,500 5% 1,000 0% 500 LV Employment Estimates (2011 = 1.5 M) LV Employment Forecasts (2040 = 2.5 M) Annual % Change in Emp. (2011 = 0.2%) Annual % Change in Forecast (Avg. = 1.7%) -5% % 20 Source: Woods & Poole.
21 Top 10 turnaround markets in 2013 Detroit Santa Barbara Reno Ft. Lauderdale Ann Arbor Dallas West Palm Beach Boston Boulder Las Vegas 21 Sources: National Association of Realtors
22 Top 10 markets to watch in Salt Lake City 2. Naples 3. Tampa 4. Atlanta 5. Boise 6. Houston 7. Charlotte 8. Denver 9. Seattle 10. Tucson 22 Sources: National Association of Realtors
23 2015 Projection Mortgage rates will likely rise Housing appreciation will rise above 5% Higher than the 2%-2.5% inflation rate But not double-digits as in 2000 s All bets off if Margin Tax passes 23
24 Forecast, cont.: Higher home prices Demand is up, supply is down 12% growth in last year (Case-Shiller Index : 20-city Average) 24% growth in last year (Case-Shiller Index: Las Vegas Metro) 29% growth in last year (Median home price: Las Vegas Metro) Home price growth will continue but at slower rate. Wages & Incomes are key 24 Sources: Case Shiller & Homebuilders Research
25 25 Contact: John Restrepo
State Individual Income Taxes: Personal Exemptions/Credits, 2011
Individual Income Taxes: Personal Exemptions/s, 2011 Elderly Handicapped Blind Deaf Disabled FEDERAL Exemption $3,700 $7,400 $3,700 $7,400 $0 $3,700 $0 $0 $0 $0 Alabama Exemption $1,500 $3,000 $1,500 $3,000
Income from U.S. Government Obligations
Baird s ----------------------------------------------------------------------------------------------------------------------------- --------------- Enclosed is the 2017 Tax Form for your account with
Checkpoint Payroll Sources All Payroll Sources
Checkpoint Payroll Sources All Payroll Sources Alabama Alaska Announcements Arizona Arkansas California Colorado Connecticut Source Foreign Account Tax Compliance Act ( FATCA ) Under Chapter 4 of the Code
Undocumented Immigrants are:
Immigrants are: Current vs. Full Legal Status for All Immigrants Appendix 1: Detailed State and Local Tax Contributions of Total Immigrant Population Current vs. Full Legal Status for All Immigrants
Kentucky , ,349 55,446 95,337 91,006 2,427 1, ,349, ,306,236 5,176,360 2,867,000 1,462
TABLE B MEMBERSHIP AND BENEFIT OPERATIONS OF STATE-ADMINISTERED EMPLOYEE RETIREMENT SYSTEMS, LAST MONTH OF FISCAL YEAR: MARCH 2003 Beneficiaries receiving periodic benefit payments Periodic benefit payments
Annual Costs Cost of Care. Home Health Care
2017 Cost of Care Home Health Care USA National $18,304 $47,934 $114,400 3% $18,304 $49,192 $125,748 3% Alaska $33,176 $59,488 $73,216 1% $36,608 $63,492 $73,216 2% Alabama $29,744 $38,553 $52,624 1% $29,744
Pay Frequency and Final Pay Provisions
Pay Frequency and Final Pay Provisions State Pay Frequency Minimum Final Pay Resign Final Pay Terminated Alabama Bi-weekly or semi-monthly No Provision No Provision Alaska Semi-monthly or monthly Next
Union Members in New York and New Jersey 2018
For Release: Friday, March 29, 2019 19-528-NEW NEW YORK NEW JERSEY INFORMATION OFFICE: New York City, N.Y. Technical information: (646) 264-3600 BLSinfoNY@bls.gov www.bls.gov/regions/new-york-new-jersey
State Corporate Income Tax Collections Decline Sharply
Corporate Income Tax Collections Decline Sharply Nicholas W. Jenny and Donald J. Boyd The Rockefeller Institute Fiscal News: Vol. 1, No. 3 July 26, 2001 According to a report from the Congressional Budget
State Income Tax Tables
ALABAMA 1 st $1,000... 2% Next 5,000... 4% Over 6,000... 5% ALASKA... 0% ARIZONA 1 1 st $10,000... 2.87% Next 15,000... 3.2% Next 25,000... 3.74% Next 100,000... 4.72% Over 150,000... 5.04% ARKANSAS 1
Q Homeowner Confidence Survey Results. May 20, 2010
Q1 2010 Homeowner Confidence Survey Results May 20, 2010 The Zillow Homeowner Confidence Survey is fielded quarterly to determine the confidence level of American homeowners when it comes to the value
Sales Tax Return Filing Thresholds by State
Thanks to R&M Consulting for assistance in putting this together Sales Tax Return Filing Thresholds by State State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Filing Thresholds
Mutual Fund Tax Information
2008 Mutual Fund Tax Information We have provided this information as a service to our shareholders. Thornburg Investment Management cannot and does not give tax or accounting advice. If you have further
Mutual Fund Tax Information
Mutual Fund Tax Information We have provided this information as a service to our shareholders. Thornburg Investment Management cannot and does not give tax or accounting advice. If you have further questions
Impacts of Prepayment Penalties and Balloon Loans on Foreclosure Starts, in Selected States: Supplemental Tables
THE UNIVERSITY NORTH CAROLINA at CHAPEL HILL T H E F R A N K H A W K I N S K E N A N I N S T I T U T E DR. MICHAEL A. STEGMAN, DIRECTOR T 919-962-8201 OF PRIVATE ENTERPRISE CENTER FOR COMMUNITY CAPITALISM
AIG Benefit Solutions Producer Licensing and Appointment Requirements by State
3600 Route 66, Mail Stop 4J, Neptune, NJ 07754 AIG Benefit Solutions Producer Licensing and Appointment Requirements by State As an industry leader in the group insurance benefits market, AIG is firmly
Federal Rates and Limits
Federal s and Limits FICA Social Security (OASDI) Base $118,500 Medicare (HI) Base No Limit Social Security (OASDI) Percentage 6.20% Medicare (HI) Percentage Maximum Employee Social Security (OASDI) Withholding
The Effect of the Federal Cigarette Tax Increase on State Revenue
FISCAL April 2009 No. 166 FACT The Effect of the Federal Cigarette Tax Increase on State Revenue By Patrick Fleenor Today the federal cigarette tax will rise from 39 cents to $1.01 per pack. The proceeds
Motor Vehicle Sales/Use, Tax Reciprocity and Rate Chart-2005
The following is a Motor Vehicle Sales/Use Tax Reciprocity and Rate Chart which you may find helpful in determining the Sales/Use Tax liability of your customers who either purchase vehicles outside of
Termination Final Pay Requirements
State Involuntary Termination Voluntary Resignation Vacation Payout Requirement Alabama No specific regulations currently exist. No specific regulations currently exist. if the employer s policy provides
Required Training Completion Date. Asset Protection Reciprocity
Completion Alabama Alaska Arizona Arkansas California State Certification: must complete initial 16 hours (8 hrs of general LTC CE and 8 hrs of classroom-only CE specifically on the CA for LTC prior to
The Costs and Benefits of Half a Loaf: The Economic Effects of Recent Regulation of Debit Card Interchange Fees. Robert J. Shapiro
The Costs and Benefits of Half a Loaf: The Economic Effects of Recent Regulation of Debit Card Interchange Fees Robert J. Shapiro October 1, 2013 The Costs and Benefits of Half a Loaf: The Economic Effects
Ability-to-Repay Statutes
Ability-to-Repay Statutes FEDERAL ALABAMA ALASKA ARIZONA ARKANSAS CALIFORNIA STATUTE Truth in Lending, Regulation Z Consumer Credit Secure and Fair Enforcement for Bankers, Brokers, and Loan Originators
The table below reflects state minimum wages in effect for 2014, as well as future increases. State Wage Tied to Federal Minimum Wage *
State Minimum Wages The table below reflects state minimum wages in effect for 2014, as well as future increases. Summary: As of Jan. 1, 2014, 21 states and D.C. have minimum wages above the federal minimum
Federal Registry. NMLS Federal Registry Quarterly Report Quarter I
Federal Registry NMLS Federal Registry Quarterly Report 2012 Quarter I Updated June 6, 2012 Conference of State Bank Supervisors 1129 20 th Street, NW, 9 th Floor Washington, D.C. 20036-4307 NMLS Federal
PAY STATEMENT REQUIREMENTS
PAY MENT 2017 PAY MENT Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia No generally applicable wage payment law for private employers. Rate
Understanding Oregon s Throwback Rule for Apportioning Corporate Income
Understanding Oregon s Throwback Rule for Apportioning Corporate Income Senate Interim Committee on Finance and Revenue January 12, 2018 2 Apportioning Corporate Income Apportionment is a method of dividing
Forecasting State and Local Government Spending: Model Re-estimation. January Equation
Forecasting State and Local Government Spending: Model Re-estimation January 2015 Equation The REMI government spending estimation assumes that the state and local government demand is driven by the regional
2012 RUN Powered by ADP Tax Changes
2012 RUN Powered by ADP Tax Changes Dear Valued ADP Client, Beginning with your first payroll with checks dated in 2012, you and your employees may notice changes in your paychecks due to updated 2012
Fingerprint, Biographical Affidavit and Third-Party Verification Reports Requirements
Updates to the State Specific Information Fingerprint, Biographical Affidavit and Third-Party Verification Reports Requirements State Requirements For Licensure Requirements After Licensure (Non-Domestic)
Fingerprint and Biographical Affidavit Requirements
Updates to the State-Specific Information Fingerprint and Biographical Affidavit Requirements State Requirements For Licensure Requirements After Licensure (Non-Domestic) Alabama NAIC biographical affidavit
State Minimum Wage Chart (See below for Local/City Minimum Wage Chart)
State Current Minimum Wage State Minimum Wage Chart (See below for Local/City Minimum Wage Chart) Maximum Tip Credit Allowed for Tipped Employees Federal $7.25 $5.12 $2.13 Minimum Cash Wage for Tipped
# of Credit Unions As of March 31, 2011
# of Credit Unions # of Credit Unins # of Credit Unions As of March 31, 2011 8,600 8,400 8,200 8,000 8,478 8,215 7,800 7,909 7,600 7,400 7,651 7,442 7,200 7,000 6,800 # of Credit Unions -Trend By Asset-Based
Residual Income Requirements
Residual Income Requirements ytzhxrnmwlzh Ch. 4, 9-e: Item 44, Balance Available for Family Support (04/10/09) Enter the appropriate residual income amount from the following tables in the guideline box.
Nation s Uninsured Rate for Children Drops to Another Historic Low in 2016
Nation s Rate for Children Drops to Another Historic Low in 2016 by Joan Alker and Olivia Pham The number of uninsured children nationwide dropped to another historic low in 2016 with approximately 250,000
MEDICAID BUY-IN PROGRAMS
MEDICAID BUY-IN PROGRAMS Under federal law, states have the option of creating Medicaid buy-in programs that enable employed individuals with disabilities who make more than what is allowed under Section
STATE AND FEDERAL MINIMUM WAGES
2017 STATE AND FEDERAL MINIMUM WAGES STATE AND FEDERAL MINIMUM WAGES The federal Fair Labor Standards Act (FLSA) establishes minimum wage and overtime requirements for most employers in the private sector
DFA INVESTMENT DIMENSIONS GROUP INC. DIMENSIONAL INVESTMENT GROUP INC. Institutional Class Shares January 2018
DFA INVESTMENT DIMENSIONS GROUP INC. DIMENSIONAL INVESTMENT GROUP INC. Institutional Class Shares January 2018 Supplementary Tax Information 2017 The following supplementary information may be useful in
Recourse for Employees Misclassified as Independent Contractors Department for Professional Employees, AFL-CIO
Recourse for Employees Misclassified as Independent Contractors Department for Professional Employees, AFL-CIO State Relevant Agency Contact Information Online Resources Online Filing Alabama Department
NOTICE TO MEMBERS CANADIAN DERIVATIVES CORPORATION CANADIENNE DE. Trading by U.S. Residents
NOTICE TO MEMBERS CANADIAN DERIVATIVES CORPORATION CANADIENNE DE CLEARING CORPORATION COMPENSATION DE PRODUITS DÉRIVÉS NOTICE TO MEMBERS No. 2002-013 January 28, 2002 Trading by U.S. Residents This is
White Paper 2018 STATE AND FEDERAL MINIMUM WAGES
White Paper STATE AND FEDERAL S White Paper STATE AND FEDERAL S The federal Fair Labor Standards Act (FLSA) establishes minimum wage and overtime requirements for most employers in the private sector and
Q309 NATIONAL DELINQUENCY SURVEY FROM THE MORTGAGE BANKERS ASSOCIATION. Data as of September 30, 2009
NATIONAL DELINQUENCY SURVEY FROM THE MORTGAGE BANKERS ASSOCIATION Q309 Data as of September 30, 2009 2009 Mortgage Bankers Association (MBA). All rights reserved, except as explicitly granted. Data are
EBRI Databook on Employee Benefits Chapter 6: Employment-Based Retirement Plan Participation
EBRI Databook on Employee Benefits Chapter 6: Employment-Based Retirement Plan Participation UPDATED July 2014 This chapter looks at the percentage of American workers who work for an employer who sponsors
Mapping the geography of retirement savings
of savings A comparative analysis of retirement savings data by state based on information gathered from over 60,000 individuals who have used the VoyaCompareMe online tool. Mapping the geography of retirement
MINIMUM WAGE WORKERS IN HAWAII 2013
WEST INFORMATION OFFICE San Francisco, Calif. For release Wednesday, June 25, 2014 14-898-SAN Technical information: (415) 625-2282 BLSInfoSF@bls.gov www.bls.gov/ro9 Media contact: (415) 625-2270 MINIMUM
NEVADA ECONOMY MOVING FORWARD
NEVADA ECONOMY MOVING FORWARD Presented to: 2015 NEVADA TRANSPORTATION CONFERENCE April 14, 2015 Presented by: THE REALITY: NEVADA ECONOMY 2 Nevada job recoveries pre-great Recession Nevada Recession Recoveries:
Q209 NATIONAL DELINQUENCY SURVEY FROM THE MORTGAGE BANKERS ASSOCIATION. Data as of June 30, 2009
NATIONAL DELINQUENCY SURVEY FROM THE MORTGAGE BANKERS ASSOCIATION Q209 Data as of June 30, 2009 2009 Mortgage Bankers Association (MBA). All rights reserved, except as explicitly granted. Data are from
TA X FACTS NORTHERN FUNDS 2O17
TA X FACTS 2O17 Northern Funds Tax Facts provides specific information about your Northern Funds investment income and capital gain distributions for 2017. If you have any questions about how to apply
J.P. Morgan Funds 2018 Distribution Notice
J.P. Morgan Funds 2018 Distribution Notice To assist you in preparing your 2018 Tax returns, we re pleased to provide this distribution notice for your J.P.Morgan Fund investment. If you are unclear about
IMPORTANT TAX INFORMATION
IMPORTANT TAX INFORMATION The following information about your enclosed 1099-DIV from s should be used when preparing your 2017 tax return. Form 1099-DIV reports dividends, exempt-interest dividends, capital
STATE MINIMUM WAGES 2017 MINIMUM WAGE BY STATE
STATE MINIMUM WAGES 2017 MINIMUM WAGE BY STATE The table below, created by the National Conference of State Legislatures (NCSL), reflects current state minimum wages in effect as of January 1, 2017, as
ATHENE Performance Elite Series of Fixed Index Annuities
Rates Effective August 8, 05 ATHE Performance Elite Series of Fixed Index Annuities State Availability Alabama Alaska Arizona Arkansas Product Montana Nebraska Nevada New Hampshire California PE New Jersey
DATA AS OF SEPTEMBER 30, 2010
NATIONAL DELINQUENCY SURVEY Q3 2010 DATA AS OF SEPTEMBER 30, 2010 2010 Mortgage Bankers Association (MBA). All rights reserved, except as explicitly granted. Data are from a proprietary paid subscription
Consumer Installment Loan Regulations - State
Alabama Yes State of Alabama Banking Department Code 5-18-1 et seq http://www.bank.state.al.us/faq_regarding _licensing.htm Alaska Yes Department of Commerce, Community and Economic Development, Consumer
2014 STATE AND FEDERAL MINIMUM WAGES HR COMPLIANCE CENTER
2014 STATE AND FEDERAL MINIMUM WAGES HR COMPLIANCE CENTER The federal Fair Labor Standards Act (FLSA), which applies to most employers, establishes minimum wage and overtime requirements for the private
# of Credit Unions As of September 30, 2011
# of Credit Unions # of Credit Unions # of Credit Unions As of September 30, 2011 8,400 8,200 8,000 7,800 7,600 7,400 7,200 8,332 8,065 7,794 7,556 7,325 7,000 6,800 9,000 8,000 7,000 6,000 5,000 4,000
Spring 2011 State Forecast
Spring 2011 State Forecast Cement Update Market Intelligence Group Ed Sullivan Dave Zwicke Vice President & Chief Economist Manager, Sr. Economist 847.972.9006 847.972.9192 OHIO Gross State Product & Income
Providing Subprime Consumers with Access to Credit: Helpful or Harmful? James R. Barth Auburn University
Providing Subprime Consumers with Access to Credit: Helpful or Harmful? James R. Barth Auburn University FICO Scores: Identifying Subprime Consumers Category FICO Score Range Super-prime 740 and Higher
Aetna Individual Direct Pay Commissions Schedule
Aetna Individual Direct Pay Commissions Schedule Cards Issued Broker Rate Broker Tier Per Year 1st Yr 2nd Yr 3+ Yrs Levels 11-Jan 4.00% 4.00% 3.00% Bronze 24-Dec 6.00% 4.00% 3.00% Silver 25-49 8.00% 4.00%
Year-End Tax Tables Applicable to Form 1099-DIV Page 2 Qualified Dividend Income
Year-End Tax Tables This document contains general information to assist you in completing your 2016 tax returns. You should consult your tax advisor to determine the appropriate use of these tables. This
Minimum Wage Laws in the States - April 3, 2006
1 of 15 Wage Laws in the States - April 3, 2006 Note: Where Federal and state law have different minimum wage rates, the higher standard applies. Wage and Overtime Standards Applicable to Nonsupervisory
Chapter D State and Local Governments
Chapter D State and Local Governments State and Local Governments contains detailed information on the taxes, revenues, and expenditures of states and localities. The public finances of these two levels
MINIMUM WAGE WORKERS IN TEXAS 2016
For release: Thursday, May 4, 2017 17-488-DAL SOUTHWEST INFORMATION OFFICE: Dallas, Texas Contact Information: (972) 850-4800 BLSInfoDallas@bls.gov www.bls.gov/regions/southwest MINIMUM WAGE WORKERS IN
FAPRI Analysis of Dairy Policy Options for the 2002 Farm Bill Conference
FAPRI Analysis of Dairy Policy Options for the 2002 Farm Bill Conference FAPRI-UMC Report #04-02 April 11, 2002 Food and Agricultural Policy Research Institute University of Missouri 101 South Fifth Street
Media Alert. First American CoreLogic Releases Q3 Negative Equity Data
Contact Information Below Media Alert First American CoreLogic Releases Q3 Negative Equity Data First American CoreLogic, the first company to develop a national, state and city-level negative equity report,
Child Care Assistance Spending and Participation in 2016
Policy solutions that work for low-income people Child Care Assistance Spending and Participation in 2016 i Background The Child Care and Development Block Grant (CCDBG) is the primary federal funding
American Economics Group Clear and Effective Economic Analysis. American Economics Group
Presentation for: Federation Clear of and Tax Effective Administrators Economic Analysis 9/22/03 Charles W. de Seve, Ph.D. www.americaneconomics.com The Economy is Recovering : The National Economic Setting
S T A T E MEDICAL LIABILITY AND HEALTH CARE LAW MARCH 2 3, 2017 LAS VEGAS, NV. DRI Will Submit Credit For You To Your State Agency
A d j u s t e r C r e d i t C E I n f o r m a t i o n MEDICAL LIABILITY AND HEALTH CARE LAW MARCH 2 3, 2017 LAS VEGAS, NV Delaware Pending Georgia 12.00 Louisiana Pending Mississippi 13.00 New Hampshire
Insurer Participation on ACA Marketplaces,
November 2018 Issue Brief Insurer Participation on ACA Marketplaces, 2014-2019 Rachel Fehr, Cynthia Cox, Larry Levitt Since the Affordable Care Act health insurance marketplaces opened in 2014, there have
What is your New Financing Statement Fee? What is your Amendment Fee (include termination fee if a different amount)?
Topic: UCC Filing Fee Information Question By: Tana Gormely Jurisdiction: Montana Date: 03 April 2012 Jurisdiction Alabama Alaska Arizona Arkansas California Question(s) What is your New Financing Statement
STATE AND LOCAL TAXES A Comparison Across States
STATE AND LOCAL TAXES A Comparison Across States INDEPENDENT FISCAL OFFICE FEBRUARY 2018 Methodology This report uses data from the U.S. Census Bureau, the Internal Revenue Service (IRS), the U.S. Bureau
A d j u s t e r C r e d i t C E I n f o r m a t i o n S T A T E. DRI Will Submit Credit For You To Your State Agency. (hours ethics included)
A d j u s t e r C r e d i t C E I n f o r m a t i o n INSURANCE COVERAGE AND CLAIMS INSTITUTE APRIL 3 5, 2019 CHICAGO, IL Delaware Georgia Louisiana Mississippi New Hampshire North Carolina (hours ethics
SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS. The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance
SECTION 109 HOST STATE LOAN-TO-DEPOSIT RATIOS The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency (the agencies)
FHA Manual Underwriting Exceeding 31% / 43% DTI Eligibility Quick Reference
Credit Score/ Compensating Factor(s)* No Compensating Factor One Compensating Factor Two Compensating Factors No Discretionary Debt Maximum DTI 31% / 43% 37% / 47% 40% / 50% 40% / 40% *Acceptable compensating
If the foreign survivor of the merger is on the record what do you require?
Topic: Question by: : Foreign Mergers Tracy M. Sebranek Maine Date: December 17, 2013 Manitoba Corporations Canada Alabama Alaska Arizona We require only a certified copy of the merger documents, as long
MAGAZINE Publisher s Statement Six months ended June 30, 2013 Subject to Audit
MAGAZINE Publisher s Statement Six months ended June 30, 2013 Subject to Audit Field Served: The video/computer game consumer market. Published by Sunrise Publications, Inc. Frequency: 12 times/year 1.
THE STATE OF THE STATES IN DEVELOPMENTAL DISABILITIES
THE STATE OF THE STATES IN DEVELOPMENTAL DISABILITIES Richard Hemp, Mary Kay Rizzolo, Shea Tanis, & David Braddock Universities of Colorado and Illinois-Chicago REINVENTING QUALITY CONFERENCE BALTIMORE,
A Study of Factors Impacting Resiliency
A Study of Factors Impacting Resiliency Place cover image here Brian Lewandowski Associate Director, Business Research Division June 13, 2017 Project Team Colorado Research Team: Brian Lewandowski Richard
A d j u s t e r C r e d i t C E I n f o r m a t i o n S T A T E. DRI Will Submit Credit For You To Your State Agency. (hours ethics included)
A d j u s t e r C r e d i t C E I n f o r m a t i o n NURSING HOME/ALF LITIGATION SEPTEMBER 13 14, 2018 NEW ORLEANS, LA Delaware Georgia Louisiana Mississippi New Hampshire North Carolina (hours ethics
Metrics and Measurements for State Pension Plans. November 17, 2016 Greg Mennis
Metrics and Measurements for State Pension Plans November 17, 2016 Greg Mennis Fiscal Sustainability Metrics Net Amortization Measures whether contributions are sufficient to reduce pension debt if plan
The 2017 CHP Salary Survey
The 2017 CHP Salary Survey Gary Lauten, CHP, AAHP Niche Analyst Introduction The 2017 certified health physicist (CHP) survey data was collected by having CHPs submit their responses to survey questions
S T A T E INSURANCE COVERAGE AND PRACTICE SYMPOSIUM DECEMBER 7 8, 2017 NEW YORK, NY. DRI Will Submit Credit For You To Your State Agency
A d j u s t e r C r e d i t C E I n f o r m a t i o n INSURANCE COVERAGE AND PRACTICE SYMPOSIUM DECEMBER 7 8, 2017 NEW YORK, NY Delaware Pending Georgia Pending Louisiana Pending Mississippi 12.00 New
STATE BOND COMMISSION DEPARTMENT OF TREASURY. March 15, 2018
STATE BOND COMMISSION DEPARTMENT OF TREASURY March 15, 2018 1 Overview In accordance with the Comprehensive Capital Outlay Budget, cash lines of credit provide a mechanism to cash flow capital outlay projects
Do you charge an expedite fee for online filings?
Topic: Expedite Fees and Online Filings Question by: Allison A. DeSantis : Ohio Date: March 14, 2012 Manitoba Corporations Canada Alabama Alaska Arizona Yes. The expedite fee is $35. We currently offer
S T A T E TURNING THE TABLES ON PLAINTIFFS IN TRUCKING LITIGATION APRIL 26 27, 2018 CHICAGO, IL. DRI Will Submit Credit For You To Your State Agency
A d j u s t e r C r e d i t C E I n f o r m a t i o n TURNING THE TABLES ON PLAINTIFFS IN TRUCKING LITIGATION APRIL 26 27, 2018 CHICAGO, IL Delaware Georgia Louisiana Mississippi New Hampshire North Carolina
Taxable/Exempt Interest Income and Private Activity Bond Interest Percentage Page 7
Year-End Tax Tables This document contains general information to assist you in completing your 2017 tax returns. You should consult your tax advisor to determine the appropriate use of these tables. This
CHAPTER 6. The Economic Contribution of Hospitals
CHAPTER 6 The Economic Contribution of Hospitals Chart 6.1: National Health Expenditures as a Percentage of Gross Domestic Product and Breakdown of National Health Expenditures, 2014 U.S. GDP 2014 $3.03
Certifiates of Good Standing Date of Incorporation. Question by: Allison A. DeSantis. Jurisdiction. Date: January 15, 2013
Topic: Certifiates of Good Standing Date of Incorporation Question by: Allison A. DeSantis : Ohio Date: January 15, 2013 Manitoba Yes No Corporations Canada Alabama Alaska Arizona Arkansas California Colorado
A d j u s t e r C r e d i t C E I n f o r m a t i o n S T A T E. DRI Will Submit Credit For You To Your State Agency. (hours ethics included)
A d j u s t e r C r e d i t C E I n f o r m a t i o n STRIKING BACK AGAINST THE REPTILE IN MEDICAL MALPRACTICE AND LONG TERM CARE CASES JUNE 13, 2018 CHICAGO, IL S T A T E Delaware Georgia Louisiana Mississippi
8, ADP,
2013 Tax Changes Beginning with your first payroll with checks dated in 2013, employees may notice changes in their paychecks due to updated 2013 federal and state tax requirements. This document will
A d j u s t e r C r e d i t C E I n f o r m a t i o n S T A T E. Pending. DRI Will Submit Credit For You To Your State Agency.
A d j u s t e r C r e d i t C E I n f o r m a t i o n STRIKING BACK AGAINST THE REPTILE IN MEDICAL MALPRACTICE AND LONG TERM CARE CASES JUNE 13, 2018 CHICAGO, IL P O S T S E M I N A R A C T I O N Delaware
Employer-Funded Individual Health Insurance
Employer-Funded Individual Health Insurance ANNUAL REPORT 2016 1 EXECUTIVE SUMMARY This 2016 Annual Report is intended to provide a detailed, nationwide profile of how employers and employees are using
MainStay Funds Income Tax Information Notice
MainStay Funds Income Tax Information Notice The information contained in this brochure is being furnished to shareholders of the MainStay Funds for informational purposes only. Please consult your own
The Florida Turnaround Story. Jesse Panuccio DEO Executive Director September 2, 2015
The Florida Turnaround Story Jesse Panuccio DEO Executive Director September 2, 2015 1 2 Private-Sector Jobs Created December 2010 July 2015, Seasonally Adjusted 917,400 Private Sector Jobs Created 3 Port
Federal Reserve Bank of Dallas. July 15, 2005 SUBJECT. Banking Agencies Issue Host State Loan-to-Deposit Ratios DETAILS
Federal Reserve Bank of Dallas 2200 N. PEARL ST. DALLAS, TX 75201-2272 July 15, 2005 Notice 05-37 TO: The Chief Executive Officer of each financial institution and others concerned in the Eleventh Federal
THE HOME ENERGY AFFORDABILITY GAP 2017
TOTAL US $38,597,642,593 $47,648,609,571 123.4 The Index (2 nd Series) indicates the extent to which the has increased between the base year and the current year. In the total United States this Index
ADDITIONAL REQUIRED TRAINING before proceeding. Annuity Carrier Specific Product Training
American Equity REQUIRED CARRIER SPECIFIC TRAINING (CST) INSTRUCTIONS Annuity Carrier Specific Product Training and state mandated NAIC Annuity Training (see STATE ANNUITY SUITABILITY TRAINING REQUIREMENT
State Social Security Income Pension Income State computation not based on federal. Social Security benefits excluded from taxable income.
State Tax Treatment of Social Security, Pension Income The following CCH analysisi provides a general overview of how states treat income from Social Security and pensions for the 2013 tax year unless
State Tax Treatment of Social Security, Pension Income
State Tax Treatment of Social Security, Pension Income The following chart Provides a general overview of how states treat income from Social Security and pensions for the 2016 tax year unless otherwise
State Unemployment Insurance Tax Survey
444 N. Capitol Street NW, Suite 142, Washington, DC 20001 202-434-8020 fax 202-434-8033 www.workforceatm.org State Unemployment Insurance Tax Survey NATIONAL ASSOCIATION OF STATE WORKFORCE AGENCIES April