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The federal agency that oversees the financial condition of U.S. banks says it will offer voluntary early retirement to about 20% of its 5,800 employees.Agency officials say the early retirements could create a more highly skilled workforce with the goal of attracting employees with a new set of skills.The Federal Deposit Insurance Corp. announced the move Thursday, saying it isn’t designed to reduce its budget or the total size of the workforce. About 42% of the current workforce is eligible for retirement within five years, the FDIC says. A wave of potential retirements could sap the agency’s institutional knowledge, especially during a crisis, the FDIC’s inspector general said in a recent report.In addition, the FDIC plans to close a handful of field offices, and to relocate and consolidate others. No staff involved in examining banks will be affected, the agency says.“This program will enhance our agility, preparedness and technological transformation,” FDIC Chair Jelena McWilliams said in a statement. It’s part of the agency’s strategy to “further reduce layers of management and acquire new skill sets,” she said.Sen. Sherrod Brown of Ohio, the senior Democrat on the Senate Banking Committee, questioned the approach of phasing out veteran employees and said it could hurt the FDIC’s ability to deal with another financial crisis. “If the FDIC chair were interested in increasing the agency’s capability to respond to a crisis, she would be focused on hiring and training a new generation of workers, not encouraging experienced and senior staff to rush to the exit,” Brown said. “Let’s be clear –- no matter how Chair McWilliams tries to spin it, reducing FDIC’s workforce will make us less prepared for a financial downturn.”During the 2008-09 financial crisis and the following years, the FDIC closed hundreds of failed U.S. banks and transferred their loans and deposits to other, healthy banks. Bank failures reached a peak of 157 in 2010. With the new plan, the FDIC is looking build up its staff engaged in inspecting banks, and in specialized information technology, computer science and data management. Officials declined to estimate what portion of the employees being offered early retirement is expected to take it. They include executive managers as well as administrative staff at FDIC headquarters in Washington and in the field. The union representing FDIC employees said it’s concerned about employees having enough time to adequately assess their options and make informed decisions. Employees who accept the offer must leave by June 6. Under terms of the offer, most of the employees who choose to leave or retire will receive six months of salary.The union, the National Treasury Employees Union, said it will negotiate with the agency on the office closures and consolidations to prevent involuntary relocations of employees to another FDIC office and allow them to continue to inspect banks in their areas.“We also intend to closely examine the FDIC’s justification for these decisions, and our union will raise concerns if we feel the moves are unwarranted or harmful to FDIC’s ability to accomplish its mission,” NTEU President Tony Reardon said in a statement.In addition to monitoring the banks’ condition, the FDIC was established during the Great Depression to insure deposits of banks that fail. It guarantees deposits up to 0,000 per account. 3411

The creator of the Labradoodle cross-breed has said he inadvertently unleashed a "Frankenstein('s) monster."Wally Conron, 90, who worked for Guide Dogs Victoria in Australia when he bred the first Labrador-Poodle cross in 1989, spoke of his regrets at having begun a trend for designer breeds on an ABC podcast."I opened a Pandora's box and released a Frankenstein('s) monster," he said.His "big regret" is that his invention paved the way for "unethical, ruthless people" to breed the dogs without thinking of the health of their offspring.According to Conron, the majority of Labradoodles are "either crazy or have a hereditary problem," with healthy examples of the breed "few and far between."He believes that people have now gone too far with cross-breeding, which can increase a dog's risk of congenital disease, particularly down the generations. On the podcast, he laid particular scorn on the new Rottweiler-Poodle hybrid, known as a Rottle or a Rottie-Poo.Conron's original purpose in crossing a Labrador with a standard Poodle (which has a non-shedding coat) had been to provide a guide dog for a blind woman in Hawaii whose husband was allergic to dogs.The resulting litter of three was small, but one of the puppies did not trigger the husband's allergies and was sent to Hawaii to be her guide dog.As no one wanted the two remaining puppies, Conron asked the PR department at his work to spread the message of this new breed. Labradoodles quickly became popular in Australia and further afield.Now, designer breeds have become widespread -- but so has criticism of the consequences. Labradoodles, for example, can develop health problems common to Labrador Retrievers and Poodles such as hip dysplasia and eye disease.Colin Tennant, a British expert on dog behaviour with 45 years of experience in the industry, told CNN: "In essence, you are blindly breeding and altering genetics of the line without foreknowledge."Although Tennant said he doesn't have a problem with cross-breeding in general, he noted that breeders should pay more attention to dog's health.One example, he said, was the Bichon Frise, whose eyes water. "It must be in agony all the time," he explained. "They breed the face flat so they look humanoid because we find that attractive, with no consideration for the permutations we are producing with regards the dog's welfare or health." 2383

The holiday season is wrapping up, those presents open and bellies are full. But beware, holiday Grinches are still out there ready to steal.Year after year, the number of post-holiday scams popping up are on the the rise, taking your new present away before they can even be used. Those scams target presents like gift cards or new pieces of technology, like a smart TV or new computer. The biggest post-holiday scams out there hit gift cards to specific stores like Starbucks or Best Buy and even generic Visa or MasterCard debit gift cards. They usually target when people go to check their balance online, according to the Better Business Bureau. They often lead you to a fake website, either from an internet search or a fake email that popped into your inbox. The fake website, which often looks like the real website, asks for the gift card number and the pin/security code. Once you click submit on the fake site, the scammers have all the information and can start using it and your gift money is gone. But this year's scams don't just affect gift cards. As technology gets smarter, like our computers and smart TVs, scammers are turning into hackers to get to your personal information. Before you even start using that new smart TV, computer or other piece of technology, make sure you update it. The prompts will usually appear on the screen or you can find them inside the "settings" or "about" windows on the device. Also, make sure you register the device to your email address. That won't just help with the warranty, it will also make sure you get email updates if there are security breaches. Those software updates are vital to keeping your personal information secure. 1733

The Justice Department is suing former White House staffer Omarosa Manigault Newman for failing to file a financial disclosure report after she was fired in late 2017.In a civil complaint filed Tuesday in Washington federal court, Justice Department attorneys said that Newman, the former reality star and longtime associate of President Donald Trump, had been told about the form before she left her position, and ignored multiple email requests for it in the weeks after her departure.Newman served as director of communications in the Office of Public Liaison at the White House for about a year before she was forced out by then-chief of staff John Kelly.In the lawsuit, a routine step by the Justice Department enabled by ethics law, Justice Department attorneys ask the court to require Newman to file the report and fine her up to ,000. Newman will still have the option to complete the form and avoid litigation, per Justice Department protocol. 968

The father of a South Carolina fifth-grader who died last week after a fight at her elementary school is demanding answers over his daughter's death. 161