Faced with the triple shock of soaring energy, food and housing costs, nearly six million households will see their savings fall to negligible levels despite the Energy Price Guarantee (EPG) and other support measures.  We project that nearly 1 in 5 households will have little or no savings by April 2024 and will therefore struggle in the absence of further government assistance.

The rise in mortgage interest rates is further affecting households. As well as those households with fixed-rate mortgages coming up for renewal in the coming months, our analysis shows that mortgage repayments on a variable rate will rise by at least 50 per cent on average when Bank rate hits its projected peak of 4.75 per cent. This, alongside projected rent increases, may push an additional 250,000 households into extreme poverty. We propose a £2bn Housing Support Fund administered at local authority level to help with fast-rising housing costs.

The government should therefore help the hardest-hit households and put in place a plan for reducing public-sector debt once the shocks have dissipated. As a result of previous rounds of spending cuts, some public services cannot return to pre-pandemic levels of activity. Reducing spending further would exacerbate the situation. If the government really is serious about growth, it should not be reducing the capital investment.

Other key points include:

• We no longer expect a recession to occur in 2022, although there is a significant risk of a recession in 2023. GDP growth is anticipated to be 0.8 per cent year-on-year in 2023 and 1.8 per cent in 2024;
• The Energy Price Guarantee (EPG) has lowered the peak in CPI inflation, which we now expect to be 11 per cent in January 2023. Nonetheless, we think inflation is likely to be more persistent than previously forecasted, only falling to 5.7 per cent by the end of 2023 and not reaching the Bank of England’s target of 2 per cent until the third quarter of 2025;
• Nominal wage growth to remain high over the duration of the forecast, with average earnings to grow at 5.7 per cent in 2023, 4.4 per cent in 2024 and 2.3 per cent in 2025. However, given this is not keeping pace with inflation, we predict that real wages will continue to fall until late 2023.

We recommend that the Government use the Autumn Statement to:

• raise benefits in line with inflation to prevent a further increase in destitution, which already affects about 1.2 million people;
• introduce a Universal Credit uplift of £25 per week for twelve months at a total cost of £2.7bn;
• maintain capital spending outside London and the South-East; working with business to unlock private investment. Anticipated cuts to capital investment will worsen the prospects for levelling up;
• Introduce a variable price cap scheme for energy bills. If implemented it would provide targeted support, for those households that need it most, in a cost-efficient way that would improve public finances.

Professor Stephen Millard, Deputy Director for Macroeconomics, said: “With the economy still reeling from the effects of the terrible Russian invasion of Ukraine and the Monetary Policy Committee raising interest rates to bear down on inflation, now is not the time to be tightening fiscal policy. In fact, given that existing announcements have already restored stability to the financial markets and high inflation continues to benefit the overall fiscal position, it’s not at all clear that the Chancellor needs to raise taxes or cut spending in the Autumn Statement next week. It just doesn’t have to be this way! ”.

Professor Adrian Pabst, Deputy Director for Public Policy, said: “Households up and down the country face soaring energy bills, food prices and housing costs. This triple shock to income is hitting hardest the 5 million on Universal Credit and 11 million lower-income households. Support policies like the Energy Price Guarantee are not enough to cushion the blow while at the same time subsiding high-income households that have sufficient income and savings to absorb the shock. With six million households running out of savings by April 2024, we need targeted policies to help the most vulnerable. Our policy proposals include a variable energy price cap, a £2bn Housing Support Fund to be disbursed by local authorities and a £25 per week uplift in Universal Credit for 12 months to prevent around 250,000 from sliding into destitution”.

“We forecast that the preliminary GDP figures for Q3 2022 will show Japan’s economy continued to grow, with GDP growth rising by 2%. This is because even though the Japanese economy faces headwinds in the short-term, capital investment has strengthened and is in recovery.

“The possibility of Japan falling into a recession is low, although there is a chance that prolonged monetary tightening by central banks, particularly the US Federal Reserve, could damage the Japanese economy if the yen and dollar continue to diverge to record lows.

“The depreciation of the yen is a big factor in the current positive outlook. In Q2 2022 there was a notable increase in the yen-converted earnings of export-oriented companies in industries such as electricity, chemicals and machinery. There was also a considerable increase in the yen-converted earnings of companies that are profitable overseas. With the current exchange rate we expect this trend to have continued into Q3.

“However, it is not all a bed of roses. The Q3 preliminary figures should also show that other industries have struggled due to the rising cost of energy. This is reflected not only in the rise in prices of raw materials, but also for daily necessities such as transportation and production costs. This is particularly problematic for the food and beverage industries that are struggling to pass these costs onto consumers.

“We expect that these pressures will be ameliorated in the medium term by a rise in tourism. Overseas travel restrictions have been eased and the yen’s depreciation gives tourists better value for money, making Japan more attractive as a destination.

“We expect companies to respond to price rises by raising wages, a task made easier by the depreciating yen. This will stimulate a rise in consumer spending, which will help those industries struggling in the current climate.

“The global economic climate does pose risks to Japan. The CCP’s zero Covid policy has already had a major impact on companies that rely on Chinese exports, and these companies will suffer further if Sino-US relations continue to deteriorate, as this will accelerate the Japanese decoupling from the Chinese economy.”

GlobalData’s E-Commerce Analytics reveals that the BNPL market* in India is estimated to grow by 125.8% to reach INR363.0 billion ($4.9 billion) in 2022, as an increasing number of merchants, banks, and payments providers provide customers with an option to pay for their purchases at a future date.

Shivani Gupta, Senior Banking and Payments Analyst at GlobalData, comments: “BNPL, which is already very popular in Australia and many European markets, is gradually gaining traction in India, especially among millennials. It provides consumers with the flexibility to pay for purchases at later dates with no-interest, making it a lucrative payment tool, particularly for those who do not own credit cards. Further, with pandemic adversely affecting consumers’ disposable income, the demand for short-term consumer financing solutions has increased in the past couple of years.”

The major BNPL brands in India include Amazon Pay Later, ZestMoney and Flipkart Pay Later. Launched in April 2020, Amazon Pay Later already has over 3.7 million registered users, driven by a faster customer sign-up process, and its wider use cases for goods purchases and utility payments. The existing large customer base of Amazon has also contributed to its success.

Shivani adds: “With more players entering the BNPL space and increasing consumer awareness, BNPL presents a huge business opportunity in India. The high growth in BNPL transactions during the last couple of years has resulted in many new players entering this market.”

BharatPe is the latest to join the bandwagon with its ‘postpe’ service in October 2021. Apart from payment services providers and retailers, even online food delivery providers such as Zomato and Swiggy are planning to launch a BNPL solution.

Shivani concludes: “BNPL will continue to grow at a rapid rate in India over the forecast period driven by a shift in consumer preference towards online shopping. Increasing inflation will further push the demand for flexible short term credit options, helping its growth.”

* GlobalData’s BNPL data reflects online transactions made using BNPL solutions and does not include post-purchase payment splits, and pay later options offered via credit card.

The Chinese economy has returned to a state of growth since Covid-19 restrictions lifted in 2021. This continued until Q2 2022 when lockdown and a slowdown of 0.4% y/y (-2.6% q/q) hit. Despite this, manufacturing and services rose in June for the first time since February with the manufacturing PMI (Purchasing Managers Index) rising to 50.2 points (up from 49.6 in May) and services rose to 54.5 (up from 41.4 in May). In addition to improved domestic demand, a record trade surplus of $98 billion (£87 billion) contributed to the recovery.

The support businesses are expecting to receive to stimulate the economy may have been the catalyst that enabled recovery.  In Q2 2022, Beijing switched to a more expansionary fiscal policy and announced a set of measures to support the economy, including new tax incentives and infrastructure investments amounting to ¥2.6 trillion (2.2% of GDP – $370 billion or £330 billion). These are typically financed by local government bond. For example, more than ¥2 trillion ($290 billion or £258 billion) worth of such bonds were issued in the first five months of 2022.

These measures are likely to increase the budget deficit, which has already reached ¥3 trillion ($430 billion or £383 billion) in the first half of 2022, and together with local government finances, ¥5 trillion (4.3% of GDP – $720 billion or £642 billion). Nevertheless, China has a relatively strong fiscal position – its debt burden does not exceed 80% of GDP.

China’s relatively strong economic outlook compared to the EU and US

In the USA the trade deficit decreased from $84.91 billion (£75.79 billion) in May to $70.7 billion (£63.1 billion) in July. At the same time, the budget burden is increasing year on year. In the Eurozone, the negative balance has only strengthened since the end of last year, increasing to €26.3 billion (£2.26 billion) in May, €24.6 billion (£21.4 billion) in June and €34 billion (£29.6 billion) in July of 2022.

Chinese imports to Germany have been rising strongly over the last few years, while exports have remained unchanged. China has generated a deficit of €220.6 billion in seven months with Europe. This trend is extending the supply of Euros, as buying Chinese goods requires the sale of Euros and the purchase of Renminbi. Overall, the EU trade balance is in deficit, as indicated by factors such as imports exceeding exports, which is not in favour of a rise in the Euro. This indicates a worsening situation in the Eurozone.

Looking ahead, there will be a stronger focus on consumption, which could support economic growth. In the short-term, China will focus more on shifting from an export-led economy to consumption-led growth.

China’s IPO market

From January to August, China’s IPO market rose 44% y/y to $58 billion (£51 billion) a record high for the period. In the US, there was a 92% y/y decline during this time. China has already had five IPOs worth over $1 billion in 2022 and another is being prepared. There has only been one such public sale in New York and Hong Kong and none in Europe.

The oil and gas company CNOOC and the telecoms provider China Mobile are the biggest debuts this year. They have raised $5 billion (£4.4 billion) and $8.6 billion (£7.7 billion) respectively. The technology sector dominated the Chinese IPO market. Demand for $1.6 billion (£1.4 billion) from the computer components maker Hygon Information Technology exceeded supply by a factor of 2000.

What can investors expect from the Chinese stock market?

Chinese industrial production, retail sales and fixed-asset investment increased faster than experts had expected last month. Economic data for August showed that China withstood the impact of many negative factors and maintained the momentum for economic recovery. Equity investors want to see a significant softening of China’s Covid-19 policy to make it more constructive.

Importantly, investment in Chinese startups and companies has been increasing since 2019. Last year, investments reached $118 billion, the second highest on record, with US venture capitalists involved in about a quarter of these deals. Alfonso Alba, the  head of Bayer Crop Science, headquartered in Germany and China, says the company is very optimistic about the Chinese market. Bayer Crop Science has developed an ambitious development plan for the next 10 years in China. Jeremy Yeo, the acting CEO of US plant-based meat company Beyond Meat, says the company sees significant potential in the Chinese market and will increase investment.

The Bank of England has hiked interest rates by 0.75 percentage points, the biggest increase in 33 years, “but to an extent, says Oliver Chapman, “the bank’s hand is being forced by the aggressive stance taken by the US Federal Reserve.”

Oliver Chapman says:

“There is every reason to expect global inflation to fall sharply next year regardless of recent rate hikes announced by central banks from around the world.

“Consider the recent contraction in US money supply, for example. Or consider recent falls in used car prices. The Lumber price and the Baltic Dry Index.

“But these are just examples, commodity prices are falling pretty much across the board – and whilst the strong dollar may partially explain these falls, on its own this is not sufficient to explain all.

“Truth is, the supply chain is adjusting, as it always does.

“Meanwhile increased rates will push indebted consumers and house prices under pressure, leading to much weaker demand just at that moment when lower commodity prices begin to show up as a downward force in the inflation data.”

“But, there is another story, and that is the story of the US dollar.

“The exceptionally aggressive stance taken by the FED has helped push up on the dollar. And since commodity prices are typically measured in dollars, not all the benefits of the supply chain adjustment are benefiting the UK and euro area to the extent they could.

“The high level of interest rates in the US will create an unnecessarily deep recession and force other central banks to follow suit to stop their respective currencies from falling further. In the UK, by the Bank of England’s own admission, we risk seeing the longest recession ever recorded.

“This is not just a problem for the Bank of England, but the weakness in sterling is forcing its hand.

“Because of supply chain adjustment, inflation was likely to fall towards the end of next year anyway. Higher interest rates will exacerbate the problem making the recession deeper than it needs to be.

“But the Bank of England had no choice; if it had failed to match yesterdays’s rate hike from the FED, the pound would have fallen sharply perhaps to an all time low, creating a new set of supply chain costs on UK business.”

On the backdrop of lengthy waiting times via the NHS for treatment and specialist consultations, the inevitable question on people’s minds is, “how much would it cost to be seen privately?”. Following the substantial interest from their research into the cost of private surgery earlier this year, myTribe has surveyed close to 600 private consultants across the UK to provide a comprehensive view of the current cost to go private following a GP referral.

See the findings in full here:
https://www.mytribeinsurance.co.uk/treatment/cost-to-see-a-private-consultant-uk

Overall findings of the research:
– The average cost to see a private medical consultant for an initial consultation is £195.
– The average cost for follow-up appointments is £130.
– It costs on average 27% more to see a medical consultant in London compared to the rest of the UK.
– Physiotherapists are the least expensive consultants, with an average initial consultation of £67.
– Psychiatrists are the most expensive consultants, with an average initial consultation costing £300 (50% above average).
– Northern Ireland was the most affordable region, with initial consultations costing £150 (25% less than the rest of the UK).
– Newcastle was the most affordable location in England, with initial consultations costing £170.

Mental health-related findings:
– Psychiatrists in London charge 45% more than the rest of the UK. (£400 compared to £275).
– Psychologists in London charge 37% more than the rest of the UK (£100 compared to £73).

About myTribe
myTribe is a consumer information website specialising in private healthcare and insurance. The site gives anyone looking at private healthcare in the UK the information they need through independent research, guides, and expert reviews.

What does automation really mean, how will it affect your career, and what can you do about it?

What is automation?

Are the machines really taking over? Not exactly. Automation is simply the process of machines transforming the jobs that humans do. These jobs could be anything from a factory process involving manual labour or driving a forklift truck, to filling in forms or answering the phone. What they have in common is that as technology advances, the human role is likely to change.

The worst case scenario could mean declining prospects in your current career. Roles like machine operators, food preparation assistants, telephone operators and data entry clerks have all previously been identified as at risk, because many can easily be taken over and scaled up by a machine, needing minimal human input, thus saving time and money.

On the other hand, automation creates new opportunities and transforms many occupations for the better. For example, where once a hospitality manager worked with order forms, paper invoices, over-the-phone bookings and cashed up at a till, now these processes have become much more efficient from the use of software.

This doesn’t just help the hospitality manager, it also creates opportunities for those who design, build and sell the software. But whether your livelihood is under threat or simply transforming, it’s important to remember that change is coming and you’ll have to change too.

Skills to beat automation

If you’re really concerned about being replaced by a machine in your job, stary by trying an online tool like Robots, Jobs and Resilience or this ONS chatbot to find out how resilient your job is likely to be in the face of automation. If you’re at high risk, you’ll need to think about re-training for a more resilient career. Whether you want to stay put in your current role or jump ship, here are five skills to help build a more robust career

Coding

You don’t need to be a software engineer to use code. Having working knowledge of a language like Python or R can help you become much more efficient within a number of disciplines, even automating your own work. What’s more, if you work within or close to a tech team, understanding what makes the websites, apps and products you’re working on is a huge advantage.

Problem solving

Soft skills like problem solving are easy to add to your CV. But is it really a skill you’ve perfected? Do you really understand how to be an effective problem solver? Developing and improving this skill, and being able to demonstrate this, will make a positive impact on your career.

Creativity

While AI is muscling in on certain creative tasks, it’s still difficult to see a lessening value in human creative skills in general. Creativity isn’t just about drawing or designing, it’s about innovative thinking, finding new ways to do something, or novel ways to talk about something. Creativity is important in marketing, leadership, sales, design, training and more because a creative mind is valuable in any team.

Data

Data is everywhere, in every industry, company and discipline there is. Having an understanding of how data works and how to read and present it will only get more valuable. There’s more than enough opportunity out there to make a career of it with an appropriate data analysis course, for example. However, data literacy will benefit many career paths.

Communication

Communication is a classic CV soft skill, but did you know that it can be one of the most difficult? How are your communication skills when you’re standing in front of a group of strangers? How good are you at giving or receiving feedback? What about having difficult conversations with colleagues?

A lot of people say they’re good at communicating but fall flat when faced with these challenges. Demonstrating your commitment to good communication skills through a relevant course or being able to demonstrate them will give you value that a machine has never had.

Don’t panic!

There’s no need to throw in the towel to the machines just yet. While it’s essential that we all look at our skills and future prospects, automation is going to create at least as much opportunity as problems for the human workforce. Some of us will eventually need to retrain, but if you can gain even a basic working knowledge of how technology works and master some of the traits that make you truly human, you’ll bring value to your employers for year to come.

But the entry is shuttered and the windows dusty from disuse. The People Book Café, founded by owner Paul Tang, was in the business of selling literature on Chinese politics banned in the mainland—and the last of its kind. Following the sensational disappearance of the five remaining independent booksellers on the territory, its closure in 2018 signified to many the final chapter of China’s censorship regime in Hong Kong.

But the real ending has come three years later. Hong Kong’s freedom of press looks to have been shuttered for good, with the recent arrest of Jimmy Lai under the National Security Law (NSL). The owner of pro-democracy Apple Daily newspaper published its last edition earlier this week – its founder still in prison, top editors charged with “colluding with foreign powers,” and its assets seized.

“Hong Kong is dead,” said Lai in the days after the new legislation’s imposition, which enforces draconian measures to stamp out dissidence. “It’s worse than the worst scenario imaginable.”

Like Lai, many pro-democracy protestors admitted they knew they would lose their struggle — but felt they had no choice but to fight in a bid to protect their freedoms. More than 90 of Hong Kong’s most prominent pro-democracy activists and politicians have been arrested in the biggest crackdown of recent Hong Kong history.

Accused of trying to “overthrow” the government, detainees include long-established opposition figures James To, Lam Cheuk-ting, Claudio Mo and Benny Tai, young pro-democracy campaigners Lester Shum, Gwyneth Ho, Tiffany Yuen and Jeffrey Andrews, human rights lawyer John Clancey, a US citizen, two academics, and 13 candidates from the primaries.

Among the most prominent of those detained has been 24-year-old Agnes Chan, who co-founded pro-democracy lobby group Demosisto with Joshua Wong and former lawmaker Nathan Law. Unlike Chan and Wong, who have been sentenced under the NSL, Mr. Law has been given asylum in the UK after fleeing Hong Kong.

But for those that escape, no borders or amount of geographical distance can offer them full protection from the reach of Beijing. Political subversion is becoming an increasingly popular tool of the CCP in its efforts to bring foreign dissidents to their knees.

One case in point is that of Guo Wengui (AKA Miles Kwok), an exiled dissident based in New York who has been the target of sustained attempts by the CCP to conscript lobbyists into persuading the US government to extradite him back to China. Mr. Kwok has angered Beijing by broadcasting allegations of CCP corruption.

Not even world leaders are exempt. The 2018 election of Taiwanese President Tsai Ing-wen angered Beijing because of her anti-reunification stance and growing international acclaim. In the past several years, China has increased the scope of its disinformation campaigns in order to undermine President Tsai’s legitimacy, for instance spreading false narratives that she had faked her doctoral degree from the London School of Economics.

China’s actions abroad are flagrant breaches of national sovereignty. This is evidenced most clearly in the West, but we must remind ourselves that Beijing’s extraterritorial arrests in Hong Kong have sundered the Joint Declaration, which promised Hong Kongers autonomy until 2047.

In 2013, CCP officials abducted billionaire Xiao Jianhua from Hong Kong, who was last seen in public being carried out of a hotel, his face hidden by a blanket. They have blocked pro-independence activists from speaking at an academic conference in Thailand, forcibly repatriated and imprisoned Uighur students travelling in Egypt, and recently intercepted Hong Kongers on route to Taiwan by boat, forcibly detaining them in the Shenzhen region.

The CCP has even been suppressing members of the foreign press residing in Hong Kong, such as the Financial Times’ Asia editor Victor Mallet, who was stripped of his visa due to his pro-democracy views. Many more have been detained and imprisoned in the mainland, some disappeared forever.

When Bao Pu, the founder of the exiled New Century Press, was  interviewed by the New York Times in 2016, he had only had one thing to say, “what you’re doing is writing an obituary”, of which Apple Daily’s final story may represent the closing sentence.

Dwight Schar controls the Bella Collina community in central Florida and the founder of Ryan homes. Dwight Schar companies have been accused by some, including members of Congress, of deceptive business practices. To make matters worse, more recently, Dwight Schar, or his team members, purchased three companies through his CPA, Paul Simonson and/or attorney James Ryan. These companies were condemned by the Federal Trade Commission (FTC) for their deceptive practices and advertising among them ROCA LABS Nutraceuticals.

Many residents in Bella Collina have complained that their complaints about the community and the way it is managed have been silenced. For the Juravin family, this became a reality after a simple Google review started a slew of lawsuits from the Bella Collina administration. As if to intimidate the Jewish family into silence, Dwight Schar unleashed an expensive and dizzying array of legal resources and frivolous lawsuits.

ROCA LABS IS NOW IN DWIGHT SCHAR’S CONTROL 

Paul Simonson, Schar’s CPA, was involved in the purchase of three companies. The judge who dealt with condemning these companies wrote in the final judgment that ROCA LABS Nutraceutical and the others had “unfairly suppressed negative information about the Defendants and their products, to the detriment of subsequent purchasers, by making threats to sue and filing of lawsuits against dissatisfied consumers for violating non-disparagement clauses in their online sales contracts.”

CONGRESSIONAL LETTER BEGGING SCHAR TO STOP GOUGING CONSUMERS

It is not the first time that Dwight Schar has been involved in companies that gag customers. In November 2019, four U.S. Senators called for NVR to stop “using mandatory arbitration” in a letter sent to the business. The company does so to leverage construction defect repairs.

“Forcing homebuyers into arbitration and nondisclosure agreements is unfair, unjust and abusive,” according to the letter, dated Nov. 6, 2019. “NVR’s (Ryan Homes) reliance on mandatory arbitration provisions to evade accountability is unconscionable — and it may also be illegal.”

A USA Today Network investigation shows that Ryan Homes, and its larger conglomerate NVR Inc., cut corners during construction and left homeowners to deal with the defects. When concerns were raised, homeowners say the company would ignore its warranties, refuse to fix the problem, leverage any repairs into nondisclosure agreements, or force customers into lengthy fights, costing them thousands of dollars.

Examples of poorly built homes and failed projects done by NVR and Ryan Homes include:

• Improper repairs to an uneven floor that caused the possible loss of structural integrity of one house in southern Ohio.
• A lack of waterproofing causing rotting wood and major structural damage at a seaside condominium complex on the coast of Maryland.
• Toilets left unconnected to the sewer, flushing waste under a new home for nearly a year in South Carolina.

Families who have purchased homes from NVHomes, the NVR Inc., homebuilder, have filed complaints against the company. The McCalleys, a family who lived in Maryland, say they quickly found numerous construction errors and code violations in their new house that the builder, NV Homes, has been unwilling to resolve after years of deliberation.

McCalley said he has found similar problems that exist widely across NV Homes and Ryan Homes products in Maryland and beyond. (NVR, Inc. is the parent company of both NV Homes and Ryan Homes). He believes the city of Gaithersburg inspectors missed these problems during the construction of the home.

COMPLAINTS AGAINST DWIGHT SCHAR’S COMPANIES

In the final judgment from the FTC, the company Must Cure Obesity was accused by the judge as “deceptively failed to disclose their financial relationship to testimonialists who worked for them, and their control of a supposedly independent and objective information website that they used to promote their products.”

Four families have gone public with tales of intimidation, bullying, nonstop harassment, unwarranted texts, lawsuits, and threats from Dwight Schar’s staff at Bella Collina. They are the Juravins, the Heckenbergs, the Sheltons, and the Sutherins. Only one family has stayed in Bella Collina thus far, the other three have fled to safety found in normal neighborhoods.

In 2017, three of these families filed lawsuits with Bella Collina, as reported by the Orlando Sentinel.

To be clear, the three companies were bought after the court ruling. Dwight Schar and Paul Simonson were fully aware of the companies’ deceptive standings and yet assume ownership via Wilmington Financial Services, LLC (Delaware). When a business buys another business, they assume the reputation and the responsibility attached to that company.

SCHAR’S CORRUPT LEGAL RESOURCE, ATTORNEY MARC RANDAZZA

Attorney Marc Randazza, who was fired by InfoWars’ Alex Jones because a Connecticut judge accused him of “serious misconduct,” is Ryan Homes and NVR Inc., founder Dwight Schar’s attorney. Dwight Schar also chose a corrupt Marc Randazza to represent his Bella Collina in Florida. Randazza has been disciplined by the state bars in four out of the five states he is licensed to practice law.

Randazza was issued a public reprimand by The Florida Bar on Sept. 3, 2020, DISCIPLINE CASE #201500718 against Marc Randazza. The reprimand was related to his ethical violations in Nevada, where Randazza, as a porn attorney, was sued by the State Bar of Nevada on nine charges of violations.

**DISCLAIMER: The opinions expressed on this site are those of the authors. There are other sites, opinions and facts to consider and you should do so.**