united states – Russ Johnson Music http://russjohnsonmusic.com/ Fri, 01 Apr 2022 11:11:51 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://russjohnsonmusic.com/wp-content/uploads/2021/10/icon-7.png united states – Russ Johnson Music http://russjohnsonmusic.com/ 32 32 Beginnings of music education in the Philippines https://russjohnsonmusic.com/beginnings-of-music-education-in-the-philippines/ Wed, 16 Mar 2022 16:10:18 +0000 https://russjohnsonmusic.com/beginnings-of-music-education-in-the-philippines/ TWO years ago, we suddenly found ourselves in a new normal. Since then, we have had much reduced social ties. Without assurance that this situation will end, the adverse consequences of lockdowns and mobility restrictions continue in many parts of our country. Although a little less strict in some areas, this situation has caused us […]]]>

TWO years ago, we suddenly found ourselves in a new normal. Since then, we have had much reduced social ties. Without assurance that this situation will end, the adverse consequences of lockdowns and mobility restrictions continue in many parts of our country. Although a little less strict in some areas, this situation has caused us a lot of loneliness, mental health threats, anxiety, stress and depression. Faced with this experience and faithful to faith in the goodness of our Heavenly Father, we turn to music to find the comfort we need. Given this, we are finding better ways to teach music education online.

History of ancient musical education. Three different contexts provide the context for music education in the Philippines. Music education can be provided to a community within the framework of a people’s culture. Another framework is a country’s basic youth education and a third is a college program that could lead to a professional career in music education or music performance. (Borromeo nd). Reminiscent of its beginnings, formal music education in the Philippines dates back to the 1500s when Spanish colonizers introduced Western music to the islands. “Solfege, vocalization and composition” were part of the actual musical training taught in schools “established by Church missionaries and music teachers” (Del Valle nd). As in any tradition, music education in the Philippines has seen relative changes with respect to curriculum content and structure. (https://ir.lib.hiroshima-u.ac.jp › files › public › Mr.)

Mid-years. The Music Education Act of Republic Act (RA) 4723 passed in 1966 provided for the teaching of music and art as a separate subject at the elementary level and the teaching of music once a week for one hour at the secondary level (Yamzon, 1972). The second RA 5523 enacted in 1968 benefited music education by creating various school division positions providing for ten (10) music supervisory positions in ten school divisions of the former Public Schools Office. With the publication of the revised primary school curriculum of 1970, music and the arts were treated as separate subjects allocating 3 days a week to music and 2 days to the arts. The initial implementation of the aforementioned laws firmly entrenched music in the curriculum of public and private schools across the country (https://ncca.gov.ph ›… › Music)

21st century. Major changes in the K-12 reforms introduced music as a regular subject from grades 1-10 and the introduction in high school of the arts and design stream which serves as a preparation stream for future careers in higher music education. (https://www.semanticscholar.org › article › Music-Education…). Music education pedagogy aimed at teaching learners the basic concepts and processes in music, to appreciate, analyze and perform for the personal development of the learner, to understand the main characteristics of Philippine music and art and of the world. This pedagogy sought to inculcate the celebration of Filipino cultural identity and diversity and the expansion of the learner’s worldview. (https://www.academia.edu › K_to_.12_Curriculum_Gui..) A bachelor’s degree in education, usually majoring in MAPEH and graduating with a master’s degree in music education, must pass the teacher’s license exam to be officially a teacher of music.

Music conservatories. Students wishing to study music performance instead enroll in a performance and composition section of a music department more formally labeled as a music conservatory. In addition to honing students in musical composition, a conservatory teaches students to perform, such as playing musical instruments and singing. The Britannica informs that the term “conservatory” is derived from the “Italian conservatorio”. In the Middle Ages “choral schools were attached to churches”. “Music in medieval universities was a theoretical subject comparable to mathematics) as in the Ospedale della Pietà, founded in 1346 in Venice. Then came the Renaissance during which the Conservatorio made its debut. This term Conservatorio “designated a type of orphanage often attached to a hospital.” “The foundlings (conservati) received musical instruction at state expense. Naples was the center for the boys and Venice for the girls. Thus, we can consider that “the conservatori were the first secular institutions equipped for training in practical music. “The Conservatorio dei Poveri di Gesù Cristo (founded 1589, Naples) trained or had as faculty members most of the leading Italian opera composers of the seventeenth and eighteenth centuries.” From the Britannica we learn that the first secular school of music for students founded in Paris in 1784 “was reorganized and renamed Conservatoire National de Musique et d’Art Dramatique in 1795 by the National Convention (the Revolutionary regime of 1792-1795). Throughout the 19th century, the French model was copied, with modifications, in Europe and the United States.” Of these conservatories, the Juilliard School seems to be popular among our musical virtuosos. (https://www. .britannica.com/art/conservatory-musical-institution) Among Philippine universities, besides colleges, the University of the Philippines, University of Santo Tomas, Silliman University, University of Filipino Women, University St. Paul, Adventist University (Silang Cavite), University of San Agustin, and Liceo de Cagayan University maintain music conservatories.

Pedagogy of music education. In a broad sense, the pedagogy of music education refers to “all practical, application-oriented, as well as scholarly endeavors aimed at teaching and instruction.” That being so, music teachers focus their music education classes on making learners know, understand, and perform all of the musical areas covered in the respective K-12 music education curricula. (Google, August 1, 2019) Although engagement in music education may not be a route to a professional career in music, music education in the Philippines aims to develop in students an “appreciation, participation, enthusiasm and a sustained curiosity for music, to benefit from their musical experiences through active involvement as creators, performers and listeners of music from a wide range of styles, traditions and cultures.” (https://www.education.vic.gov.au/school/teachers/teaching resources/discipline/arts/Pages/QMEF.aspx)

Teresita Tanhueco-Tumapon, PhD, one of the Philippines’ most accomplished educators and experts in the management of higher education institutions, studied at top universities in the Philippines and in Germany, Britain and Japan. She has held senior academic positions at Xavier University, Ateneo de Cagayan; was appointed by the president after EDSA 1986 to standardize campus operations at state institutions and served 17 years later as president of SUC. She is the director of the internationalization office and a lecturer at the Liceo University of Cagayan. Awards include the CHEd Lifetime Professional Achievement Award, the British Council Valuable Services Recognition Award, the Order of Merit of the Federal Republic of Germany, and the Ministry of Education Award for his initiatives as a pioneer member of the Philippine Teacher Education Council.

E-mail: [email protected]


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West Virginia Small Business Loan Options https://russjohnsonmusic.com/west-virginia-small-business-loan-options/ Wed, 09 Mar 2022 03:11:54 +0000 https://russjohnsonmusic.com/west-virginia-small-business-loan-options/ Entrepreneurs in West Virginia sometimes struggle to get the money they need to run their business through tough times. This could be the result of a global pandemic or simply a period of slow sales. What can you do if your business doesn’t have enough cash to pay its bills? Consider a small business loan. […]]]>

Entrepreneurs in West Virginia sometimes struggle to get the money they need to run their business through tough times. This could be the result of a global pandemic or simply a period of slow sales.

What can you do if your business doesn’t have enough cash to pay its bills? Consider a small business loan.

How a Small Business Loan Can Help Your Business in West Virginia

Did you know that small business loans can be used for just about any business-related expense? Whether you need working capital to pay your bills while you wait for customers to pay their bills or you need more money to purchase commercial real estate, a small business loan has you covered.

Borrowers can also use loans to hire employees to better serve more customers. They can use it to buy equipment like company vehicles or heavy machinery. As long as the expense is for your business, you can find a loan to cover it.

Small Business Loan Options for West Virginia

There are as many types of small business loans and lenders as there are unique businesses in West Virginia! Explore loan programs like the ones below to find the one that’s right for you.

Term loans

Banks and credit unions have been known to offer low-interest loans…although it may be difficult for some businesses to qualify. Generally, you need to be in business for at least two years and have excellent credit to be approved.

Here are some of your West Virginia term loan options:

Small Business Administration Loans

The United States Small Business Administration also offers low-interest loans, and these may be easier to obtain. There are several types of SBA loans, including 7(a), 504, and micro-loan programs. Use the Lender Match tool on www.SBA.gov or contact the West Virginia District Office to find local SBA lenders, or explore the list below:

Credit line

Sometimes it’s more useful to have access to money when you need it rather than getting it all at once. In this case, a line of credit may be a good choice. You will be approved for a certain amount that you can borrow. Take what you need and pay only that amount.

Here are some lenders offering lines of credit in West Virginia:

Short term loan

If you are unable to qualify for the above options, there are short term loans available which tend to have less stringent qualification criteria. Many online lenders offer short-term loans, including:

What it takes to get approved for a small business loan

Eligibility varies by lender and type of loan. Before completing the loan application, review the requirements to make sure you qualify. Does the bank require a certain credit score? If so, can you meet him?

You may also need to have a business that has been in operation for at least two years. Startups may not be eligible for bank or SBA loans, but may be eligible for short-term funding.

How to Choose the Right Loan for Your West Virginia Small Business

Small business loans aren’t cookie-cutter, so you’ll need to choose the one that best suits your business needs. Look for the lowest interest rate loans you can qualify for. Also consider how long you want to repay the loan. A longer repayment period means smaller monthly payments, but you can pay more interest over time.

Finally, research a lender’s reputation. You want someone who responds to customer service questions quickly and is known to care about their customers.

Small Business Grant Options for West Virginia

In addition to small business loans, West Virginia small business owners can also apply for grants that don’t have to be repaid. These grants can be offered by nonprofit organizations, local, state, and federal governments, or businesses. Here are a few to get you started.

Additional Resources for West Virginia Small Businesses

Need to bounce ideas about your business from someone? West Virginia has many free business resources that can provide mentorships, webinars, and training, as well as networking opportunities:

Small business owners in Charleston, Clarksburg, Kanawha, Fairmont, Wheeling and every other city in West Virginia need not feel alone in their business. Whether you need capital to grow your business or are looking for a mentor to discuss business ideas with, there are plenty of resources for small businesses in the state of West Virginia.

This article was originally written on March 8, 2022.

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Kabbage provided vital loans to small businesses during the pandemic https://russjohnsonmusic.com/kabbage-provided-vital-loans-to-small-businesses-during-the-pandemic/ Mon, 07 Mar 2022 17:35:19 +0000 https://russjohnsonmusic.com/kabbage-provided-vital-loans-to-small-businesses-during-the-pandemic/ When Cabbage retired from his previous international orientation, co-founder Catherine Petralia said the strategy has paid big dividends. At one point, Kabbage developed partnerships with banks that saw its technology propel small business lending in seven countries. These relationships are hard to maintain, and it’s hard to teach leaders the importance of taking ownership of […]]]>

When Cabbage retired from his previous international orientation, co-founder Catherine Petralia said the strategy has paid big dividends.

At one point, Kabbage developed partnerships with banks that saw its technology propel small business lending in seven countries.

These relationships are hard to maintain, and it’s hard to teach leaders the importance of taking ownership of the customer experience. There were plenty of opportunities in the United States, and Kabbage developed a suite of cash tools to help small businesses.

Catherine Petralia

“There was nothing like it for small businesses in the United States,” Petralia said.

She said America has 30 million small businesses, 80% of which employ fewer than 10 employees. Together they are a powerful economic force, but they are underserved by service providers.

Kabbage has begun to focus on simplifying finance functions for these entrepreneurs, who are pressed for time and don’t have the luxury of being CFOs, Petralia said.

They need basic operating systems, checking accounts, payment and bill processing, and bill payments.

Petralia said a payments product was launched before the onset of the COVID-19 pandemic, perfectly positioning Kabbage to process the second-largest volume of PPP loans in the program’s first run. The average loan amount they processed was $11,000.

“It was a really exciting time for us to be able to serve these small businesses,” Petralia said.

In August 2020, Kabbage was acquired by American Express and began developing new products, still focusing on smaller businesses.

Few companies seek to meet such needs, she said. Bigger players like Square and PayPal are more monolined, but some newer ones like Wayflyer and Pipe show promise.

Petralia noted that many companies use external data sources to help evaluate apps, something Kabbage has been doing for five years.

“What’s old becomes new again”

Few lent during the first 12 to 18 months of the pandemic. Add government relief and there was a lull. Then came the K-shaped recovery where some sectors, including many restaurants and retail establishments, fared well, Petralia observed.

Many of these successes are the result of careful adaptation, some developing an effective online strategy, others instituting delivery services and others leveraging social media.

While some businesses have sat on PPP money or used it to pay off higher-interest loans, Petralia said many small businesses need it to keep their lights on. Some even returned the money because they didn’t need it. Many had a problem: the rules were constantly changing, which made the criteria for forgiveness unclear.

Digital finance grew because people couldn’t go to a bank for a long time. This hurt small business operators who couldn’t make mobile deposits from their phones for business accounts.

A common observation from industry watchers is to expect more partnerships between fintechs and banks as the latter seek to play digital catch-up and the former to growth.

It depends on the particular niche the fintech operates in, Petralia warned. BBVA closed a pair of costly acquisitions that failed to pay off. She sees most of these partnerships succeeding in banking services and basic infrastructure.

Small business interest in crypto is also low

Are small businesses very interested in cryptocurrency? Petralia has not heard from many customers who want it. Small business owners already take on enough risk without facing volatility.

Petralia admitted it was in a strange position during the pandemic, given the sale of Kabbage and the launch of PPP financing. This has left many lenders unsure of how to proceed.

She said she was watching inflation closely, which will have a significant impact on small businesses, with customers telling her the price of some items has doubled in price in recent times. Supply chain issues will also persist. The full effect of some of these factors has yet to reach the consumer.

Kabbage has long used fully automatic, real-time access to third-party data as well as machine learning models, Petralia said.

“It surprises me that there have been few other Kabbages.”

Is secure, multi-party computing a process that can allow competitors in the same space to collectively benefit from each other’s data without seeing it as an option as companies seek to refine their lending models? Only if everyone participates, Petralia said. Otherwise, you are only looking at one piece of the pie.

The data challenge

A challenge in financial services, especially on the consumer side, is that so little real data is available due to provisions of the Fair Credit Reporting Act, Petralia said. This law protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. The information may not be provided to anyone who does not have a purpose as specified in the law. Companies providing information to agencies have obligations, including to investigate disputes.

“Facebook doesn’t want to be a credit agency,” Petralia said.

Will the open banking movement have a revolutionary effect as it heads west? For now, Petralia reserves judgment. She noted that fewer people than expected in Europe were changing banks. Companies must also educate consumers about the benefits of the process. The user experience must also be superb.

“Hopefully we have a better plan for how this is going to be useful,” Petralia said.

The BNPL craze also fascinates her. She said it was nothing new and similar to what was on retail branded card products.

“The fervor around this baffles me,” Petralia concluded. “How many new BNPL companies can there be? »

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VCU alum takes an alternative approach to music education https://russjohnsonmusic.com/vcu-alum-takes-an-alternative-approach-to-music-education/ Fri, 25 Feb 2022 15:01:32 +0000 https://russjohnsonmusic.com/vcu-alum-takes-an-alternative-approach-to-music-education/ Artwork by Tess Wladar Zahra Ndirangu, Contributing author Students in Nicolas Léonard’s class learn the basics of music through games, well-known songs and sensory methods. Leonard, a VCU Music Education alumnus and Chesterfield County teacher, uses the Kodály method to teach music in an alternative way. The Kodály method focuses on kinesthetic learning. Kinesthesia is […]]]>
Artwork by Tess Wladar

Zahra Ndirangu, Contributing author

Students in Nicolas Léonard’s class learn the basics of music through games, well-known songs and sensory methods.

Leonard, a VCU Music Education alumnus and Chesterfield County teacher, uses the Kodály method to teach music in an alternative way. The Kodály method focuses on kinesthetic learning. Kinesthesia is a sensory experience derived from the feeling of being aware of the movements and position of one’s body, according to the Merriam-Webster dictionary.

Hungarian composer Zoltan Kodaly developed the Kodaly method in the middle of the 20th century and focuses on growing a child’s musical abilities by “meeting the child where they are,” according to Ginger Albertson, president-elect of the Virginia Organization for Kodály Educators.

“It’s very child-centered,” Albertson said. “It’s very developmentally appropriate for children and it’s important that we have fun.”

The Kodály Method differs from traditional music education in that it focuses on teaching music education in a way that makes sense to children. This is achieved through games and a focus on music the child already knows, according to Leonard.

“We approach it kinesthetically,” Leonard said. “They are actively doing something related to music.”

Leonard said the Kodály approach also involves teaching children music in their native language and emphasizing traditional folk music from other countries. The diversity among his students at Greenfield Elementary School facilitates this aspect of Kodály’s approach, according to Leonard.

“We live in the United States, so I’m going to teach a lot of these traditional American folk songs from centuries ago that we use as a base,” Leonard said. “However, for every American folk song I use, I also add a song from another country. It’s something that’s really close to my heart because we have such diversity in Greenfield.

VCU Music Education alumnus Nicolas Leonard uses the Kodály Method to teach music in an alternative way in Chesterfield County. Photo courtesy of Nicolas Léonard

Leonard was determined to attend a school outside of Richmond and pursue a major outside of music, as his parents were both music teachers. Initially, he didn’t want to follow in their footsteps, he said.

Leonard attended Christopher Newport University with a communications major, but said he soon realized he wanted to pursue his passion for music in college. He changed his major to music performance and later earned a degree in clarinet performance, according to Leonard.

Leonard said he went to VCU for his master’s degree in music education, which shaped the course of his career as an educator and musician. He was later introduced to Kodály through the program, according to Leonard.

“Through VCU, I shaped who I wanted to be as an educator,” Leonard said. “We talked about the good, the bad and the ugly. They don’t coat anything. Similar to Kodály, it was just a very complete experience overall.

Leonard said he was introduced to the Kodály method by his music education teacher at VCU, Alice Hammel, who urged him to get his Kodály certification before his first year of teaching.

Leonard said he initially chose to start teaching music in a more traditional way, but quickly discovered that this style of teaching was “not his favorite thing.” He took a two-year hiatus from teaching, then returned the following year with his Kodály certification and a renewed love for music education, according to Leonard.

“I passed my first level and I thought ‘this is exactly what I want to do,'” Leonard said. “It just spoke to me.”

Leonard currently uses the Kodály approach with his students from kindergarten through sixth grade. The teaching method builds on itself, making teaching and lesson plans concrete for each grade level, according to Leonard.

“I know exactly what order I want to teach things in,” Leonard said. “It’s a bit like a skyscraper. In early childhood, they come to me and we first build a solid foundation and with each grade level they progress. We scaffold and build things based on what they already know.

The approach consists of many different tactics, such as focusing on the singing voice and increasing musical literacy, according to VOKE president Ashley Cuthbertson.

“The idea that the voice is our primary instrument because we all have it and everyone has a right to music is something that really touches every aspect of my professional teaching career,” Cuthbertson said.

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Online Payday Loans Market 2022 https://russjohnsonmusic.com/online-payday-loans-market-2022/ Wed, 23 Feb 2022 05:14:22 +0000 https://russjohnsonmusic.com/online-payday-loans-market-2022/ Online Payday Loans Market Research Overview The Global Online Payday Loans Market exhibits comprehensive information which is a valuable source of insightful data for business strategists during the decade 2017-2027. Based on historical data, the Online Payday Loans market report provides key segments and their sub-segments, revenue and demand and supply data. Given the technological […]]]>

Online Payday Loans Market Research Overview

The Global Online Payday Loans Market exhibits comprehensive information which is a valuable source of insightful data for business strategists during the decade 2017-2027. Based on historical data, the Online Payday Loans market report provides key segments and their sub-segments, revenue and demand and supply data. Given the technological breakthroughs in the market, the online payday loan industry is likely to emerge as a laudable platform for emerging investors in the online payday loan market.

The results of recent scientific endeavors towards the development of new products of online payday loans have been studied. Nonetheless, factors affecting major industry players to adopt synthetic sourcing of market products have also been studied in this statistical survey report. The findings provided in this report are of great value to major industry players. Every organization involved in the worldwide production of the Online Payday Loans Market product has been mentioned in this report, to study the information on cost-effective manufacturing methods, competitive landscape, and new application avenues.

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Major Key Players in the Market:
DFC Global Corp, Wage Day Advance, Cash America International, Wonga, Instant Cash Loans, MEM Consumer Finance, 2345 Network

The types covered in this report are:
Payment
single phase

Based on the app:
Staff
Big business
SME

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Regional Analysis For Online Payday Loans Market

North America (United States, Canada and Mexico)
Europe (Germany, France, United Kingdom, Russia and Italy)
Asia Pacific (China, Japan, Korea, India and Southeast Asia)
South America (Brazil, Argentina, Colombia, etc.)
The Middle East and Africa (Saudi Arabia, United Arab Emirates, Egypt, Nigeria and South Africa)

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Feds investigating charges against family behind Fatburger https://russjohnsonmusic.com/feds-investigating-charges-against-family-behind-fatburger/ Sat, 19 Feb 2022 13:00:48 +0000 https://russjohnsonmusic.com/feds-investigating-charges-against-family-behind-fatburger/ Federal authorities have investigated Andrew Wiederhorn, chief executive of the company that owns the Fatburger and Johnny Rockets restaurant chains, and reviewed the actions of a family member as part of an investigation into allegations of securities fraud and by wire, money laundering and attempted tax evasion. , court records show. During the investigation, federal […]]]>

Federal authorities have investigated Andrew Wiederhorn, chief executive of the company that owns the Fatburger and Johnny Rockets restaurant chains, and reviewed the actions of a family member as part of an investigation into allegations of securities fraud and by wire, money laundering and attempted tax evasion. , court records show.

During the investigation, federal agents raided the Beverly Grove home of Wiederhorn’s son Thayer and stepdaughter Brooke Wiederhorn in December, according to search warrant records filed in court.

Brooke is not named in court records reviewed by The Times. She is the eldest daughter of actress and former “Real Housewives of Beverly Hills” star Kim Richards, and her nuptials to Thayer in 2014 were chronicled on the Bravo reality show.

Officers took phones, digital storage devices, tax documents and other documents from the couple’s residence, according to court documents.

Federal investigators have also sought permission from a judge to search the former Wiederhorn’s Beverly Hills mansion, though court documents do not indicate whether that raid took place. They also watched him walking his dogs near the property last year.

In a November affidavit describing the investigation, an FBI special agent focusing on complex financial crimes alleged that Wiederhorn, 56, “conceived and executed a fraudulent scheme” to avoid paying taxes and received millions of dollars in fictitious loans” through his companies.

The affidavit identifies years of credit card purchases by Wiederhorn, her children and other relatives – $183,500 at a London jeweler; $150,000 apparently for a down payment on a Rolls-Royce; more than $100,000 to a Beverly Hills divorce attorney – and alleges they were “paid primarily” in accounts held by a subsidiary of publicly traded FAT brands.

The filing also alleges that Wiederhorn generated millions of American Express reward points by funneling the company’s money through his son’s PayPal account.

The officer concluded that there was probable cause that Wiederhorn “engaged in the following criminal acts,” including tax offenses, misrepresentation to investors, and fraud “related to personal expenses that Wiederhorn did pay to FAT”.

The status of the investigation is unclear. No charges have been filed against anyone or against FAT Brands, of which Wiederhorn is the major shareholder.

His attorney, Douglas Fuchs of Gibson, Dunn & Crutcher, said in a statement late Friday that “Mr. Wiederhorn categorically denies these allegations and in due course we will demonstrate that the government has the facts wrong. »

“These loans were completely legitimate and were independently reviewed and approved. Additionally, Mr. Wiederhorn’s tax returns were prepared and approved by independent tax professionals and he made payments under an IRS-approved plan,” Fuchs said in the statement.

“We are unable to comment further specifically on the allegations because despite our requests, the government has refused to provide us with a copy of the affidavit.”

A spokesperson for the U.S. Attorney’s Office declined to comment. Laura Eimiller, spokeswoman for the FBI office in Los Angeles, said she could not confirm or deny an investigation.

Beverly Hills-based FAT Brands said Friday night: “The government has notified FAT Brands of its investigation and the company is cooperating fully.”

The investigation comes nearly two decades after Wiederhorn was first ensnared in financial crimes. In 2004, he pleaded guilty in U.S. District Court in Oregon to paying an illegal gratuity to an associate and filing a false tax return. He spent 15 months in federal prison in Sheridan, Oregon, and paid a $2 million fine.

The day before his guilty plea, the company he ran, Fog Cutter Capital, gave him a $2 million bonus and agreed to continue paying him while he was incarcerated.

The arrangement prompted New York Times columnist Nicholas Kristof to grant Wiederhorn his first “Greed Award”, writing, “I can’t think of a board that has ever dishonored corporate governance principles so much by overpaying a CEO while he’s in jail.”

Once released, Wiederhorn embarked on a public relations campaign to restore his and his family’s reputation, including an appearance on “Undercover Boss” at a Fatburger restaurant in Mesa, Arizona.

“I’ve always categorically denied doing anything wrong intentionally,” Wiederhorn told The Times in 2017. “I’m very grateful for that. I felt like I paid the fine. I I did everything I was supposed to do to make it go away and put it behind me.

This interview took place just before Wiederhorn took FAT Brands public, with the goal of growing from nearly 300 restaurants to 500 in the United States and abroad. The company has since grown to more than 2,000 outlets, mostly in franchise form, acquiring sports bar Twin Peaks, Italian restaurant chain Fazoli’s, Round Table Pizza and Marble Slab Creamery, among other brands.

Wiederhorn even considered buying Del Taco, but decided “it was going to be a lot of work,” he told a restaurant podcast last year.

The aggressive expansion took place against the backdrop of angry investors. In June 2021, a shareholder lawsuit against FAT Brands in Delaware accused Wiederhorn of “looting” the company and “bleeding it of its money”. The lawsuit referred to loans made to him that were later canceled and to numerous members of Wiederhorn’s family who were on the payroll and earning six-figure salaries.

Lawyers for Wiederhorn and the company countered that the suit is not alleging they did anything wrong.

It’s unclear what prompted the recent FBI investigation, whose agents appear to have pored over Wiederhorn’s banking, loan and tax records.

Part of the investigation described in the affidavit looked at whether Wiederhorn filed a false tax return, citing discrepancies between loan applications. His 2018 tax return showed income of $403,311 and in 2017 income was $395,508, according to the court filing.

But in car loan and home purchase applications in 2018, he said he made $200,000 a month, or about $2.4 million a year.

The affidavit makes numerous references to Wiederhorn’s “luxurious lifestyle” – a bill of $24,739 at Hotel Byblos in Saint-Tropez and $29,913 at Hotel Arts Barcelona – while the tax authority claimed unpaid income taxes over the past decade.

Wiederhorn entered into several “installment agreements” to repay the taxes. The filing says he was on his current payment plan, but as of November 2021, he owed nearly $3 million in personal income taxes, penalties and interest.

The FBI agent also explained how he claims Wiederhorn “converted” money from FAT Brands and its affiliates via credit cards showing purchases at Dolce & Gabbana, Giorgio Armani and Restoration Hardware.

One of Wiederhorn’s cards had subaccounts for credit cards issued to his six children, his mother, personal household workers, his ex-wife and others. Their fees include “significant expenses, which appear to be personal in nature,” such as doctor’s bills, clothing, shoes, mattresses, groceries, tutoring services and pet care.

From October 2017 – the date of FAT Brands’ IPO – to May 2019, about $5 million from the company or its subsidiaries was used to cover various Wiederhorn credit card balances, according to the court filing.

Thayer Wiederhorn, an executive at FAT Brands, is specifically mentioned in connection with an alleged scheme to funnel millions of dollars of the company’s money through American Express charges to a PayPal account bearing his name. The FBI agent suggests the apparent purpose was to generate credit card reward points for his father.

Court records describe the scheme as “back and forth transactions”, with money traveling from the younger Wiederhorn’s PayPal account, to his personal Bank of America accounts, and back to FAT or its affiliates.

The FBI agent calculated a cost of more than $250,000 in fees to PayPal out of approximately $9 million that traveled “round trip”.

These $250,000 fees were spent “for no legitimate purpose,” the FBI agent wrote, but “to advance Wiederhorn’s fraudulent scheme.”

Times researcher Cary Schneider contributed to this report.

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Robbins Geller Rudman & Dowd LLP announces that https://russjohnsonmusic.com/robbins-geller-rudman-dowd-llp-announces-that/ Sat, 05 Feb 2022 21:11:28 +0000 https://russjohnsonmusic.com/robbins-geller-rudman-dowd-llp-announces-that/ SAN DIEGO, 05 Feb. 2022 (GLOBE NEWSWIRE) — The law firm of Robbins Geller Rudman & Dowd LLP announces that it has filed a class action lawsuit seeking to represent purchasers of common stock of FirstCash Holdings, Inc. (NASDAQ: FCFS) between February 1, 2018 and November 12, 2021, both dates inclusive (the “Class Period”), and […]]]>

SAN DIEGO, 05 Feb. 2022 (GLOBE NEWSWIRE) — The law firm of Robbins Geller Rudman & Dowd LLP announces that it has filed a class action lawsuit seeking to represent purchasers of common stock of FirstCash Holdings, Inc. (NASDAQ: FCFS) between February 1, 2018 and November 12, 2021, both dates inclusive (the “Class Period”), and charging FirstCash and certain of its senior executives with violations of the Securities Exchange Act of 1934. The PremierCash the class action was filed on January 14, 2022 and is captioned Genesee County Employees Retirement System v FirstCash Holdings, Inc., No. 22-cv-00033 (ND Tex.).

The plaintiff is represented by Robbins Geller, who extensive experience in pursuing investor class actions, including actions involving financial fraud. You can view a copy of the complaint by clicking here.

If you have suffered significant losses and wish to act as the lead plaintiff of the PremierCash class action, please provide your information by clicking here. You can also contact a lawyer JC Sanchez of Robbins Geller by calling 800/449-4900 or emailing jsanchez@rgrdlaw.com. Principal Applicant’s Requests for PremierCash the class action must be filed with the court no later than March 15, 2022.

CASE ALLEGATIONS: FirstCash owns and operates pawnshops in the United States and Latin America. Through its pawnshops, FirstCash provides non-recourse pawnshops and purchases goods to customers to meet their short-term cash flow needs. In September 2016, FirstCash completed its merger with pawnbroker and payday lender Cash America International, Inc. In November 2013, Cash America entered into a consent order with the Consumer Financial Protection Bureau (“CFPB”) to grant loans to covered members of the military or their dependents in violation of the Military Loans Act (“MLA”), debt collection violations, failure to prevent or detect in a timely manner problematic conduct due to of inadequate internal compliance and failure to keep required records (the “Order”). In the Order, Cash America agreed to cease and desist from violations and to implement a plan designed to ensure its future compliance with the terms of the Order. The CFPB fined Cash America $5 million and ordered it to deposit $8 million into an account to provide relief to affected consumers.

the PremierCash the class action alleges that, throughout the class action period, the defendants made false and misleading statements and failed to disclose that: (i) FirstCash made over 3,600 loans to over 1,000 service members in active service and their families at usurious interest rates above 36% – and often above 200% – in violation of the MLA and the Ordinance; (ii) FirstCash failed to implement the remedies imposed by the order; (iii) FirstCash’s financial results were, in large part, the product of FirstCash’s violations of the MLA and the Order; and (iv) as a result, FirstCash was exposed to material undisclosed risk of legal, reputational and financial harm if FirstCash’s violations of the MLA and the Order were ever publicly disclosed.

On November 12, 2021, the CFPB announced that it had filed a complaint against FirstCash for breaching the MLA and the Order. The CFPB complaint alleged that “between June 2017 and May 2021 (the only period for which the Bureau currently has defendants’ transactional data), [FirstCash and its subsidiary Cash America West, Inc.] together have granted over 3,600 pledge loans to over 1,000 covered borrowers in Arizona, Nevada, Utah and Washington. The CFPB found that, for all the loans at issue, FirstCash charged interest rates in excess of 36%, with rates frequently exceeding 200%. Additionally, the CFPB found that FirstCash’s loan sharking practices had been ongoing since at least October 2016 in violation of the order. A CFPB statement outlining the agency’s action against FirstCash said FirstCash had “deceived” and “defrauded” military families and “deprived them of their right to go to court.” At this news, FirstCash’s common stock price fell about 28% on the next two trading days, hurting investors.

THE PRINCIPAL APPLICANT PROCESS: The Private Securities Litigation Reform Act of 1995 permits any investor who purchased shares of FirstCash common stock during the class action period to seek appointment as a lead plaintiff in the PremierCash class action. A principal plaintiff is generally the plaintiff with the greatest financial interest in the remedy sought by the putative class that is also typical and adequate of the putative class. A lead plaintiff acts on behalf of all other class members by directing the PremierCash class action. The main plaintiff can select a law firm of his choice to plead PremierCash class action. An investor’s ability to participate in any potential future upturn in the PremierCash the class action does not depend on the status of principal plaintiff.

ABOUT ROBBINS GELLER RUDMAN & DOWD LLP: With 200 attorneys in 9 offices across the country, Robbins Geller Rudman & Dowd LLP is the largest US law firm representing investors in securities class actions. Robbins Geller’s lawyers secured many of the largest shareholder recoveries in history, including the largest ever securities class action lawsuit – $7.2 billion – in In re Enron Corp. Dry. Dispute. The 2020 ISS Securities Class Action Services Top 50 report ranked Robbins Geller first for recovering $1.6 billion for investors that year, more than double the amount recovered by any other securities plaintiff firm. . Please visit http://www.rgrdlaw.com for more information.

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Contact:
Robbins Geller Rudman & Dowd LLP
655 W. Broadway, San Diego, CA 92101
JC Sanchez, 800-449-4900
jsanchez@rgrdlaw.com

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School of Rock Expands Groundbreaking Music Education Program to Latin America https://russjohnsonmusic.com/school-of-rock-expands-groundbreaking-music-education-program-to-latin-america/ Thu, 03 Feb 2022 14:23:00 +0000 https://russjohnsonmusic.com/school-of-rock-expands-groundbreaking-music-education-program-to-latin-america/ CANTON, Mass., February 3, 2022 /PRNewswire/ — School of Rock, the global leader in performance-based music education, announces the opening of a second location in Mexico City, Mexico in late fall 2022. Matias Puga Hamilton, the Latin American master franchisee of School of Rock, is set to open 20 locations over the next 10 years. […]]]>

CANTON, Mass., February 3, 2022 /PRNewswire/ — School of Rock, the global leader in performance-based music education, announces the opening of a second location in Mexico City, Mexico in late fall 2022. Matias Puga Hamilton, the Latin American master franchisee of School of Rock, is set to open 20 locations over the next 10 years. School of Rock currently has two locations in Mexico: one in Mexico City and one in Monterrey.

“We are so proud to be part of this inspiring company and to help expand the global reach of School of Rock by bringing the fun, performance-based music education curriculum to places across Latin America,” noted Matias Puga Hamilton.

There are currently 301 School of Rock sites open and over 50,000 students enrolled, operating in 13 countries, including United States, Canada, Mexico, Brazil, Peru, Chile, South Africa, Australia, Philippines, Paraguay, Colombia, Taiwan and Spain. School of Rock will open branches in Ireland and Portugal Later this year.

“School of Rock is thrilled to expand its franchise’s presence in Latin America and support the next generation of artists,” said Rob Price, CEO of School of Rock. “Matias and his team have already had such a positive impact on the students of Chile, Peru, Colombia and Paraguay and with his dedication to the School of Rock brand, he is the perfect person to lead this expansion into Mexico.”

School of Rock offers students of all ages an exciting and engaging music lesson experience, which includes bass lessons, guitar lessons, vocal lessons, drum lessons, and piano lessons. Drawing inspiration from all styles of rock and roll, students at the School of Rock learn theory and techniques via songs by legendary artists such as Aretha Franklin, the Beatles and Led Zeppelin. Through the school’s performance-based approach, students around the world have gained superior musical skills, with some going on to record deals and bigger platforms such as American Idol, The Voice and Broadway. .

About the school of rock

School of Rock helps budding musicians master their skills, unleash their creativity, and develop the tools they need to thrive in life. Founded as a unique school in Philadelphia, Pa., in 1998, School of Rock has grown into a rapidly growing international franchise with over 500 schools open and developing in 15 global markets. Since 2009, School of Rock has grown its student body from 4,000 to 50,000. School of Rock offers a wide variety of music lessons, including guitar lessons, vocal lessons, and piano lessons. The company also sells musical instruments and music gear through its GearSelect program. School of Rock was awarded US Patent 10,891,872 in 2021 for its innovative method of music education. School of Rock has also won the following industry awards: 2021 Franchise Innovation Award for Most Innovative Use of Customer-Facing Digital Tools; 2021 Global Franchise’s Awards Best Children’s Services and Education Franchise; 2022 Entrepreneur Magazine’s Franchise 500 Top Children’s Music Enrichment Brand; Franchise Business Review’s Top 200 List and Culture 100 in 2021; Top 200 Franchise Entrepreneur Magazine 2020 and #1 Child Enrichment Franchise; and 2018 Forbes #2 Best Franchise Medium-Level Investment Award and #1 Music Franchise in America.

Follow School of Rock on Facebook at www.facebook.com/SchoolofRockUSA and on Twitter at www.twitter.com/SchoolofRockUSA.

For more information about School of Rock, visit www.SchoolofRock.com or call 866-695-5515. To learn more about School of Rock franchise opportunities, visit http://franchising.schoolofrock.com/

For more information contact:
Avery Barzizza
BizCom Associates
513.520.3463
[email protected]

SOURCE School of Rock

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Alumnus receives $500,000 for music education program https://russjohnsonmusic.com/alumnus-receives-500000-for-music-education-program/ Thu, 03 Feb 2022 05:31:38 +0000 https://russjohnsonmusic.com/alumnus-receives-500000-for-music-education-program/ The Heartbeat Music Project, which provides music education to Navajo students, is the recipient of the Lewis Prize for Music Accelerator Award Adam McPhail 00h27, February 03, 2022 Six years ago, Ariel Horowitz MUS ’19 ’20 was a junior at Julliard studying violin performance when she learned she had the opportunity to lead a short […]]]>

The Heartbeat Music Project, which provides music education to Navajo students, is the recipient of the Lewis Prize for Music Accelerator Award

Adam McPhail

00h27, February 03, 2022


Six years ago, Ariel Horowitz MUS ’19 ’20 was a junior at Julliard studying violin performance when she learned she had the opportunity to lead a short music education summer camp for Navajo students. In January, she received a $500,000 Accelerator Award from the Lewis Prize for Music for advancing the musical and educational ambitions of the project.

Founded in 2016 by Horowitz and based in Crownpoint, New Mexico, the Heartbeat Music Project, or HMP, provides free music education to students from nearby Navajo communities. Accomplished musicians teach students aged 5 to 19 to play the instruments of their choice. Instructors teach students music theory and encourage them to play traditional Diné, or Navajo melodies and songs.

“The gift we just received from the Lewis Prize is so amazing,” Horowitz said. “There are so many barriers to accessing a music education in a very rural Indigenous community that has historically been oppressed, marginalized and unfunded.”

HMP offers a two-week summer camp and a one-week winter camp. Students receive free transportation to and from home, two meals, and snack breaks.

Music teachers come from a variety of backgrounds. Some come from classical music or jazz departments of schools and conservatories across the country. The other instructors are local and native musicians from the Navajo community.

Although students only participate in the program during the summer and winter, they can keep an instrument at home year-round to practice, thanks to a private donation in early 2021 that enabled HMP to provide students almost all the instruments typically found in a classical orchestra. or jazz band.

“We would like to expand our instrument library even further if we can,” Horowitz said. “Specifically, we’d like to find more non-classical, non-jazz instruments – native instruments too.”

Additionally, the HMP coordinates free virtual lessons when camps are not in session. However, many budding Navajo musicians lack access to a stable internet connection. Some students drive for hours to get free, stable Wi-Fi for virtual music lessons. With the new award, Horowitz and the rest of HMP want to change that and overcome some of the barriers preventing students from pursuing music.

Additionally, the HMP hopes to expand the overall reach of the program. Currently, the HMP can only serve the eastern portion of the Navajo Reservation, located in New Mexico. They would also like to provide students who live further afield in Arizona with access to a music education.

“We want a lot of the money to be spent on student learning,” said Sharon Nelson, HMP executive director and Diné assistant professor of culture, language and leadership at Navajo Technical University. . “We hope to be able to reach other areas of the reservation, including other tribes.”

Along with music lessons, rehearsals and workshops, Nelson, who is Diné herself, teaches students about Diné culture as part of the program. She noticed that many students were disconnected from their grandparents due to language and cultural barriers and wanted to bridge the intergenerational gap and help students connect with their community and culture. Nelson hopes students can combine the skills learned in music lessons with lessons about Diné culture and traditions to crystallize their identity.

“One of the things we want our kids to be is to become holistic,” Nelson said. “We want them to be self-centered and at peace with themselves, so we’re giving them the tools to do that using Navajo cultural teaching.”

The program operates in a tricky intersection. According to HMP Deputy Director Gregory Lewis MUS ’27, Western music has been reserved for wealthy whites for most of its history. Horowitz further noted that Western music was widely disseminated by imperialism – the same structures that have continually oppressed the Navajo people as well as other Indigenous communities in the United States and around the world.

“Early on, Sharon told us that it was really essential that we teach the children to play Diné songs on the instruments and not just Western music,” Lewis said. “She didn’t want them to learn music if it didn’t mean learning their own music and preserving their own culture.”

HMP hopes to recontextualize classical music and help students approach music with new techniques and perspectives. Music, they believe, should not have a hierarchical power structure. Instead, the program tries to give students resources and let them express themselves however they want.

The Lewis Prize for Music seeks to bring about positive social change by funding non-profit organizations to provide high quality music education to students. The Accelerator Award given to HMP is the Lewis Prize for Music’s highest monetary award.

Adam McPhail | adam.mcphail@yale.edu

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Kirby McInerney LLP Announces Filing of https://russjohnsonmusic.com/kirby-mcinerney-llp-announces-filing-of/ Tue, 18 Jan 2022 21:31:08 +0000 https://russjohnsonmusic.com/kirby-mcinerney-llp-announces-filing-of/ NEW YORK, Jan. 18, 2022 (GLOBE NEWSWIRE) — The law firm Kirby McInerney LLP reminds investors that a class action lawsuit has been filed in the U.S. District Court for the Northern District of Texas on behalf of those who acquired the common stock of FirstCash Holdings, Inc. (“FirstCash” or the “Company”) (NASDAQ : FCFS) […]]]>

NEW YORK, Jan. 18, 2022 (GLOBE NEWSWIRE) — The law firm Kirby McInerney LLP reminds investors that a class action lawsuit has been filed in the U.S. District Court for the Northern District of Texas on behalf of those who acquired the common stock of FirstCash Holdings, Inc. (“FirstCash” or the “Company”) (NASDAQ : FCFS) with From February 1, 2018 to November 12, 2021 inclusive (the “Class Period”). Investors have until March 15, 2022 to ask the Court to be named lead plaintiff in the lawsuit.

FirstCash owns and operates pawnshops in the United States and Latin America. Through its pawn shops, FirstCash provides non-recourse pawn loans and purchases goods to customers to meet their short-term cash flow needs.

In September 2016, FirstCash completed its merger with pawnbroker and payday lender Cash America International, Inc. (“Cash America”). In November 2013, Cash America entered into a consent order with the Consumer Financial Protection Bureau (“CFPB”) for making loans to covered military personnel or their dependents in violation of the Military Lending Act (“MLA”) , violations related to debt collection, failure to prevent or timely detect problematic behavior due to inadequate internal compliance and failure to maintain required records (the “Order”). In the Order, Cash America agreed to cease and desist from violations and to implement a plan designed to ensure its future compliance with the terms of the Order. The CFPB fined Cash America $5 million and ordered it to deposit $8 million into an account to provide relief to affected consumers.

On November 12, 2021, the CFPB announced that it had filed a complaint against FirstCash for breaching the MLA and the Order. The CFPB complaint alleged that “[b]between June 2017 and May 2021 (the only period for which the Bureau currently has transactional data from defendants), [FirstCash and its subsidiary Cash America West, Inc.] together have issued more than 3,600 pledge loans to more than 1,000 covered borrowers at stores in Arizona, Nevada, Utah and Washington. The CFPB found that, for all the loans at issue, FirstCash charged interest rates in excess of 36%, with rates frequently exceeding 200%. Additionally, the CFPB found that FirstCash’s loan sharking practices had been ongoing since at least October 2016 in violation of the order. A CFPB statement outlining the agency’s action against FirstCash said FirstCash had “deceived” and “defrauded” military families and “deprived them of their right to go to court.” On this news, FirstCash’s stock price declined $7.50 per share, or approximately 8.7%, from $86.14 per share to close at $78.64 per share on November 12, 2021.

The lawsuit alleges throughout the class action period that the defendants made false and misleading statements and failed to disclose that: (i) FirstCash issued over 3,600 loans to over 1,000 active duty military personnel and to their families at usurious interest rates above 36% – and often exceeding 200% – in violation of the LBA and the Order; (ii) FirstCash failed to implement the remedies imposed by the order; (iii) FirstCash’s financial results were, in large part, the product of FirstCash’s violations of the MLA and the Order; and (iv) as a result, FirstCash was exposed to material undisclosed risk of legal, reputational and financial harm if FirstCash’s violations of the MLA and the Order were ever publicly disclosed.

If you have purchased or otherwise acquired FirstCash securities, have information or would like to know more about such claims, please contact Thomas W. Elrod of Kirby McInerney LLP at 212-371-6600, by email at investigations@kmllp.com, or by completing this contact form, to discuss your rights or interests in relation to these matters at no cost to you.

Kirby McInerney LLP is a New York-based law firm specializing in securities, antitrust, whistleblower and consumer litigation. The company’s efforts on behalf of shareholders in securities litigation have resulted in recoveries totaling billions of dollars. Additional information about the firm is available on the Kirby McInerney LLP website: http://www.kmllp.com.

This press release may be considered attorney advertising in certain jurisdictions under applicable law and ethics rules.

contacts
Kirby McInerney LLP
Thomas W. Elrod, Esq.
212-371-6600
https://www.kmllp.com
investigations@kmllp.com

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