Income resources – DNZ Mladi http://www.dnz-mladi.com/ Tue, 17 May 2022 16:16:12 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://www.dnz-mladi.com/wp-content/uploads/2021/11/icon-13-120x120.png Income resources – DNZ Mladi http://www.dnz-mladi.com/ 32 32 What are income-based loans, and how do they work? | Bridge Payday https://www.dnz-mladi.com/what-are-income-based-loans-and-how-do-they-work-bridge-payday/ Tue, 17 May 2022 16:10:23 +0000 https://www.dnz-mladi.com/?p=2230 Have you ever had to use cash for emergencies? Everyone has to deal with situations that require financial assistance however, many do not have the ability to access cash quickly or credit. This is where an income-based loan (which is actually a personal loan) could be a boon. Some lenders might use the phrase “income-based loan” to indicate they are […]]]>

Have you ever had to use cash for emergencies? Everyone has to deal with situations that require financial assistance however, many do not have the ability to access cash quickly or credit.

This is where an income-based loan (which is actually a personal loan) could be a boon. Some lenders might use the phrase “income-based loan” to indicate they are willing to offer personal loans or title loans without an inspection to those with a poor or no credit history, but who can show they have the money and capacity to pay back the loan.

If your credit isn’t as good and you do not have a lot of credit experience, In this case, getting a personal loan from a traditional bank may be more difficult due to the fact that they usually have higher lending standards. However, some lenders are more inclined to consider your earnings and the ability to pay back when they consider you to get a personal loan.

The disadvantage of the personal loan that’s based on income? The interest rates could be quite excessive in certain cases. However, if you take an income-based loan in order to build your credit and build your credit, you might be able to get better terms in the near future.

Here’s what you should be aware of in order to make the right choice in your particular situation.

How do loans based on income function?

Different criteria are used by lenders as well as methods for determining if you’re qualified for a loan based on income (which is, in reality, simply a personal loan). Certain lenders conduct a soft credit inquiry prior to granting you a loan. Other lenders don’t check your credit background at all.

It is common for lenders who are predatory to offer loans with no credit request at all. Beware of this type of loan. It might be a high-interest rate and costs.

Payday loan companies might not be able to pull your credit however they might need to verify your earnings and bank account details. Due to the high costs that are associated with payday loans, it’s possible to fall into the debt trap.

Understanding secured and unsecured loans

Since these tend to be personal, they may be either secured or unsecured.

If you are granted an unsecured loan, you provide an item of your property such as your car or your home to the lender to secure the loan. If you do not pay the loan according to the agreement the lender could be able to use the collateral in order to collect any outstanding amount.

However, the unsecured loan doesn’t need you to provide any collateral. Therefore, it’s generally regarded as less risky for the lender. However, you’ll typically be charged a higher rate of interest due to the fact that the lender is facing an increased risk.

What is the best way to be eligible for an income-based credit loan?

Even even if your credit background isn’t perfect it is possible to get a loan from a bank that considers your income higher in deciding whether to grant a personal loan. But, it is important to research the loan before making an investment.

Keep an eye on this information when you are completing the loan application as well as loan conditions.

  • Income verification Most lenders will confirm your income to ensure they know how much you’re able to repay.
  • Amount of loan: The amount you can qualify for will depend on your income as well as credit history.
  • The loan time: Your loan term is usually between sixty to six months. Remember that the longer the loan term will cost you more in interest. While you’ll pay higher monthly installments, you can save money by choosing the shorter term of your loan.
  • APR The APR for personal loans generally varies from 5% to 36 percent or more. However, payday loans can have much more expensive APRs, sometimes at triple numbers. This could include not only the interest rate for the loan but as well any fees you could be charged.
  • Information about your account: Lenders may also frequently ask for the details of your bank account to confirm your financial details.
  • Restrictions: Lenders may not lend their money in certain states.

How to make use of the income-based loan to build your credit

If you take out a personal loan it can help to improve your credit provided you utilize it in a responsible way. If you are able to improve your credit you might be eligible for better terms on financial loans at some point in the near future.

Here are a few ways you can benefit from an income-based loan to boost your credit health.

  • Paying your bills in time Be sure that your lending institution is reporting your timely installments to all three largest consumer credit bureaus. This is among the most crucial aspects that impact your credit scores.
  • A different type of credit: Getting a personal loan might add a new kind of credit to your credit reports. Your credit mix is a mix of various forms of credit like installment loans, credit cards and mortgages can play a role in the overall credit scores, but are not the most vital factors.
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Rocket companies (NYSE: RKT) rating downgraded to neutral at Citigroup https://www.dnz-mladi.com/rocket-companies-nyse-rkt-rating-downgraded-to-neutral-at-citigroup/ Wed, 11 May 2022 11:29:35 +0000 https://www.dnz-mladi.com/rocket-companies-nyse-rkt-rating-downgraded-to-neutral-at-citigroup/ Rocket Companies (NYSE: RKT – Get a rating) was downgraded by Citigroup from a “buy” rating to a “neutral” rating in a research report released Wednesday to clients and investors, Briefing.com reports. They currently have a price target of $8.00 on the stock, down from their previous price target of $14.00. Citigroup’s target price indicates […]]]>

Rocket Companies (NYSE: RKTGet a rating) was downgraded by Citigroup from a “buy” rating to a “neutral” rating in a research report released Wednesday to clients and investors, Briefing.com reports. They currently have a price target of $8.00 on the stock, down from their previous price target of $14.00. Citigroup’s target price indicates a potential upside of 2.43% from the company’s previous close.

Several other analysts also commented on RKT. JPMorgan Chase & Co. moved shares of Rocket Companies from an “underweight” rating to an “overweight” rating and lowered its price target for the company from $17.50 to $15.00 in a research report from Wednesday, January 19. Bank of America downgraded shares of Rocket Companies from a ‘neutral’ to an ‘underperforming’ rating and lowered its price target for the company from $21.00 to $11.00 in a research report Tuesday, February 22. Credit Suisse Group lowered its price target on Rocket Companies shares from $16.00 to $13.00 and set a “neutral” rating on the stock in a Friday, Feb. 25 research report. Zacks Investment Research downgraded shares of Rocket Companies from a “held” rating to a “strong sell” rating in a Wednesday, March 2 research report. Finally, Goldman Sachs Group lowered its price target on Rocket Companies shares from $14.00 to $11.50 and set a “neutral” rating on the stock in a Monday, April 4 research report. Two research analysts have rated the stock with a sell rating, ten have assigned a hold rating and two have assigned the company’s stock a buy rating. According to data from MarketBeat, the stock currently has an average rating of “Hold” and a consensus price target of $15.04.

NYSE RKT opened at $7.81 on Wednesday. The company has a fifty-day simple moving average of $10.33 and a two-hundred-day simple moving average of $13.06. The stock has a market capitalization of $15.39 billion, a P/E ratio of 3.35, a P/E/G ratio of 0.87 and a beta of 1.39. Rocket Companies has a 12-month low of $7.61 and a 12-month high of $22.68. The company has a current ratio of 21.68, a quick ratio of 21.68 and a debt ratio of 1.92.

Rocket Companies (NYSE: RKTGet a rating) last released its results on Tuesday, May 10. The company reported earnings per share (EPS) of $0.15 for the quarter, missing the consensus estimate of $0.19 per ($0.04). Rocket Companies had a return on equity of 48.76% and a net margin of 2.38%. The company posted revenue of $1.93 billion for the quarter, versus $2.24 billion expected by analysts. During the same period last year, the company achieved EPS of $0.55. The company’s revenue for the quarter was down 52.2% year over year. As a group, sell-side analysts expect Rocket Companies to post earnings per share of 0.98 for the current year.

In related news, CEO Jay Farner purchased 13,100 shares of Rocket Companies in a trade dated Friday, April 1. The shares were acquired at an average cost of $11.04 per share, with a total value of $144,624.00. The transaction was disclosed in a legal filing with the SEC, accessible via the SEC website. Insiders have purchased a total of 311,200 shares of the company worth $2,938,744 over the past three months. Insiders own 93.20% of the shares of the company.

A number of institutional investors and hedge funds have recently changed their positions in the stock. Invesco Ltd. increased its stake in Rocket Companies by 10.0% during the 4th quarter. Invesco Ltd. now owns 10,298,814 shares of the company worth $144,183,000 after purchasing an additional 934,907 shares during the period. BlackRock Inc. increased its stake in Rocket Companies by 17.9% during the 4th quarter. BlackRock Inc. now owns 6,505,694 shares of the company worth $91,081,000 after purchasing an additional 988,019 shares during the period. Geode Capital Management LLC increased its stake in Rocket Companies by 5.6% during the 4th quarter. Geode Capital Management LLC now owns 1,679,424 shares of the company worth $23,511,000 after purchasing an additional 89,003 shares during the period. Bruni JV & Co. Co. increased its stake in Rocket Companies by 35.6% during the 1st quarter. Bruni JV & Co. Co. now owns 1,157,304 shares of the company worth $12,869,000 after purchasing an additional 303,940 shares during the period. Finally, Wealthspire Advisors LLC acquired a new stake in Rocket Companies during Q1 for a value of approximately $8,230,000. 3.71% of the shares are currently held by hedge funds and other institutional investors.

Company Profile Rocket Companies (Get a rating)

Rocket Companies, Inc. operates in the technology-driven real estate, mortgage, and e-commerce industries in the United States and Canada. It operates through two segments, Direct to Consumer and Partner Network. The Company’s solutions include Rocket Mortgage, a mortgage lender; Amrock which provides title insurance, real estate appraisal and settlement services; Rocket Homes, a home search platform and realtor referral network, which offers technology services to support the home buying and selling experience; Rocket Auto, an automotive retail marketplace that provides centralized, virtual car-selling support to online car-buying platforms; and Rocket Loans, an online personal loan company.

Further reading

Analyst Recommendations for Rocket Companies (NYSE: RKT)



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2022 Wells Fargo Championship final round odds, golfers to watch https://www.dnz-mladi.com/2022-wells-fargo-championship-final-round-odds-golfers-to-watch/ Sun, 08 May 2022 03:25:00 +0000 https://www.dnz-mladi.com/2022-wells-fargo-championship-final-round-odds-golfers-to-watch/ Three towers are in the book at Wells Fargo Championship 2022 and only 18 golfers are under par. Below we take a look at the Wells Fargo Championship the odds of entering Sunday’s final round in Potomac, Maryland. Check back throughout the season for our PGA Tour picks, predictions and bets. Keegan Bradleywho had opening […]]]>

Three towers are in the book at Wells Fargo Championship 2022 and only 18 golfers are under par. Below we take a look at the Wells Fargo Championship the odds of entering Sunday’s final round in Potomac, Maryland. Check back throughout the season for our PGA Tour picks, predictions and bets.

Keegan Bradleywho had opening odds to win of +3,000, shot a 3-under 67 on Saturday and has a 2-stroke lead heading into the final round over TPC Potomac, who is playing 7,160 yards and a par 70. Bradley , the No. 49 player in the Golf week/Sagarine ranking, is 8-under 202.

Pre-Tournament Favorite Rory McIlroy (+750 before round one and now at +2000) is tied for 6th at 2-under 208 after rounds of 67-73-68. The defending champion won in 2021 at 10 under par at Quail Hollow in Charlotte, North Carolina. At 6 strokes back, it cannot be counted.

LOOK: The PGA Tour is live on ESPN+! Get ESPN+

Wells Fargo Championship 2022 – Final Pairing

Odds provided by Tipico Sportsbook; to access USA TODAY sports betting hub for sports scores and odds for a full list. Lines last updated Saturday at 11:08 p.m. ET.

The PGA Tour has moved the Wells Fargo Championship to TPC Potomac for this year as Quail Hollow prepares to host the Presidents Cup in September. The TPC Potomac last held a tour in 2018 when the Quicken Loans National was played there. It was won by Francesco Molinariwho missed the cut this week.

Kegan Bradley (+125)

The 35-year-old Vermont native will be looking to win his 5th PGA Tour title and first since the 2018 BMW Championship. He will enter Sunday’s final round with a 2-stroke lead after rounds of 70-65- 67. Bradley, who has 16 birdies, 6 bogeys and a double bogey in 3 rounds, is No. 33 on the circuit in final-round scoring average (69.20). He has 4 top-10 finishes in 15 events this season.

Max Homa (+280)

The 31-year-old Californian is looking for his 4th tour title and his second this season. The 2019 Wells Fargo Championship winner starts tied for second at 6 under 204 after rounds of 67-66-71. The 52nd-ranked player will need to improve on this year’s final-round scoring average (No. 132 at 70.78) if he hopes to catch and pass Bradley.

2022 Wells Fargo Championship – On The Hunt

Before the final group tees off Sunday at 12:35 p.m. ET, here are 3 more golfers to watch as they try to hunt down the leader.

Anirban Lahiri (+1500): Starts 4 strokes back at 4-under 206 after rounds of 68-68-70. The 140th ranked player opened at +8000.

Matthew Fitzpatrick (+1500): Starts 4 strokes back at 4 under after rounds of 68-68-71. The 35th ranked player opened at +2000.

Cameron Young (+4000): Starts 6 strokes back at 2 under after rounds of 68-71-69. The 90th ranked player opened at +3000.

Wells Fargo Championship 2022 – Props Update

Before the tournament started, we mentioned a few prop bets worth considering. Let’s take a look at 2 of them.

Max Homa (+750 to make the top 5): If you bet you should feel good about your odds as he starts in the final group.

Keith Mitchell (+450 to make the top 10): It won’t happen to you because the 48th-ranked player missed the cut after the rounds of 69-74.

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If you’re looking for more sports betting picks and tips, access all of our content at SportsbookWire.com and BetFTW. Please gamble responsibly.

Golf week:

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One Person’s Junk Fee is Another’s Treasure | Alston and bird https://www.dnz-mladi.com/one-persons-junk-fee-is-anothers-treasure-alston-and-bird/ Wed, 04 May 2022 15:59:56 +0000 https://www.dnz-mladi.com/one-persons-junk-fee-is-anothers-treasure-alston-and-bird/ The Consumer Financial Protection Bureau has asked for feedback on how best to crack down on what it calls “unwanted charges.” Our Financial Services and Products group examines how mortgage services are distinguished and why mortgage servicers should be aware that their fees will be closely monitored. Republican attorneys general urge greater federal-state cooperation Democratic […]]]>

The Consumer Financial Protection Bureau has asked for feedback on how best to crack down on what it calls “unwanted charges.” Our Financial Services and Products group examines how mortgage services are distinguished and why mortgage servicers should be aware that their fees will be closely monitored.

  • Republican attorneys general urge greater federal-state cooperation
  • Democratic attorneys general want to add convenience fees to list
  • Takeaway: Now is the time for service agents to review their fee structures

On January 26, 2022, Rohit Chopra, the director of the Consumer Financial Protection Bureau (CFPB), published a Information request (RFI) seeking public comment on the fees which “are not subject to competitive processes ensuring fair pricing”. The director said when consumers don’t select their provider, as in loan servicing, “it can lead to stagnation, unwanted fees and poor treatment.” Chopra also said the CFPB would launch other initiatives to identify ways to lower barriers to entry and increase the pool of companies competing for customers based on quality, price and service. .

By the close of the comment period on April 11, the CFPB had received thousands of responses. While the broad RFI extends to providers of consumer financial products and services, the mortgage service is isolated and should alert mortgage servicers that their fees will be closely watched. In fact, Chopra indicated in a blog post that the CFPB will use this information to review existing rules and to develop new ones “to stimulate competition and transparency” and to identify “illegal practices through…supervision and enforcement”.

The CFPB has sought comment on what the CFPB pejoratively calls “junk fees” and “operating, back-end and excessive fees”. Examples of such mortgage servicing fees cited by the CFPB include late fees, insufficient funds (NSF) fees, payment processing convenience fees, and delinquency-related fees such as monthly fees. property inspection, new title fees, legal fees, appraisal and appraisal fees. , broker price opinion fees, forced insurance, foreclosure fees and corporate advances. Comments received by the CFPB include those from Attorneys General (AGs) in Republican– and Democratic– leaning jurisdictions.

Republican AGs: How about federal-state cooperation?

To date, GAs in Alabama, Arizona, Arkansas, Georgia, Idaho, Indiana, Kentucky, Louisiana, Mississippi, Montana, ‘Ohio, Oklahoma, South Carolina, South Dakota, Utah, Texas and West Virginia have all demanded that the CFPB drop its plan to regulate fees and, instead , to coordinate and cooperate with states to determine where federal action is “duplicated or unwarranted.” Republican AGs argue that the CFPB is trying to establish itself as the primary regulator in the consumer financial products pay-for-services space and, therefore, infringing on states’ right to regulate business practices within their borders. . These AGs argue that the CFPB’s RFI on “Undesirable Charges – Abusive, Indirect, Hidden or Excessive” suggests that the CFPB is “predisposed to create a subjective standard for identifying problematic charges”.

And these AG Republicans argue that the CFPB fails to recognize that state laws already regulate many such fees in consumer financial products and that federal regulation would be duplicative. According to AG Republicans, states are better able to assess the needs of their citizens as well as the impact of royalties on state markets. They point to the fact that states specifically allow many types of fees, such as late fees, NSF fees, filing fees, administrative fees, amendment and deferral fees, and title fees. They also note that states are prepared to enforce their laws if a consumer financial services provider fails to comply with or take action under the state’s Unfair or Deceptive Acts or Practices (UDAP) provisions when a consumer is misled. AG Republicans also expressed concern that the CFPB would seek to use its UDAAP authority to regulate fees and questioned the use of that authority for fees that are “disclosed pursuant to state law.” or federal, in some cases permitted by state law, and agreed to by a consumer in writing.

This is a dominance concern – Republican AGs are concerned that the CFPB sees itself as the primary regulator and intends to limit states’ power to regulate fees. Of course, the CFPB’s retort may simply be that it fixes the ground and states are free to go further. The real question is where the CFPB draws the line – and if that line goes further than some states have, will that raise preemption concerns.

Democrat AGs: Go get them, Director Chopra!

The AG Democrats praise the CFPB’s RFI and call for comment and limit their comments to one issue: convenience fees charged by mortgage services. California, Colorado, Connecticut, Delaware, District of Columbia, Hawaii, Illinois, Iowa, Maine, Maryland, Massachusetts, Michigan, Minnesota, Nevada, New Jersey, New Mexico, New York, North Carolina, Oregon, Pennsylvania GAs , Rhode Island and Washington, along with the Hawaii Consumer Protection Bureau, consider convenience fees (along with overdrafts and NSFs) to be “harmful unwanted fees” and urge the CFPB to prohibit mortgage managers to impose convenience fees or, failing that, to restrict mortgage loan services from charging convenience fees that exceed the documented actual cost of the service.

It’s ironic: Not too long ago, many of these same blue states allowed convenience fees with restrictions in a multi-state settlement agreement with a large loan servicer.

Now the AG Democrats are arguing that because lenders are supposed to make their profit for mortgage servicing through the interest rate and other fees upfront, managers have already been compensated for the costs of accepting mortgages. payments (a core function of managers) and therefore are compensated twice for accepting payments. The CFPB should recognize that this argument reflects a fundamental misapplication of basic service business practices.

Indeed, the CFPB has recognized the remuneration structures for the maintenance activity in its Mortgage Administration Rules 2013. Although structures can vary between portfolio loans and securitized loans, as well as other factors, loan owners generally negotiate prices with the manager, usually a monthly management fee. Repairers also receive ancillary fees, late fees and, as the CFPB acknowledged in 2013, “telephone payment processing fees”. It should be noted that the CFPB did not prohibit convenience fees in its 2013 Mortgage Servicing Rules. The CFPB also declined to address convenience fees in its recently enacted Bylaw F, although this issue has been raised during the CFPB’s Small Business Regulatory Enforcement Fairness Act review process.

Mortgage managers will argue that borrowers enter into a contract, in the form of a promissory note, and agree to repay the borrowed money in monthly installments. The borrower also agrees to pay late fees if their payments are not received by the end of the grace period, usually 15 days after the contractual due date. Typical mortgage agreements don’t require managers to offer expedited payment options, such as online and phone payments, for borrowers waiting until the last day to make their payment.

Nevertheless, many mortgage servicers choose to make these payment options available to borrowers, even if these accelerated options come at a cost to the servicer. For example, expedited options often require the use of third-party payment processing providers such as Western Union, and among other costs, the mortgage servicer typically must hire and train customer service agents to receive payments over the phone and hire computer programmers to build and maintain the systems necessary to accept payments online or through interactive voice response telephone technology. It should also be noted that managers do not assess convenience fees without the knowledge and consent of borrowers. Rather, the fact and amount of the convenience fee is disclosed to borrowers at that time, before borrowers choose to continue with that payment method.

The GA Democrats argue that “like refinancing, this so-called choice is actually delusional for many borrowers,” noting that “convenience fees actually work like alternative late fees — maybe cheaper, but with a delay.” shorter grace period, and in breach of contract the terms of most mortgages which outline the exact amount and timing of late fees, so rationally the consumer chooses the cheapest option and accepts the convenience fee But the simple fact of choosing the least bad option does not mean that the consumer really has a choice Does the borrower have no choice to make his payment on time, or at least in the contractually agreed grace period?Borrowers who choose a modest, fully disclosed convenience fee leave themselves much better off financially than incurring considerably more expensive late fees (not to mention avoiding ra negative credit reports, which can negatively impact the consumer even more broadly).

Penalizing mortgage servicers by eliminating their ability to charge clearly disclosed and agreed fees for services – those they are not required to provide – will, at a minimum, reduce their incentive to offer such options, limit the choice of consumers and discourage future service innovation. for the benefit of borrowers.

Take away food

In 2013, the CFPB recognized that repairers are not really subject to market discipline from consumers, as consumers have little opportunity to change repairers. The CFPB acknowledged, however, that “service agents compete for contracts with loan owners (investors, assignees and creditors) and therefore competitive pressures tend to cause service agents to lower the price. prices of services and to adjust their investments in the provision of services to consumers accordingly”. .” Chopra seems to challenge this premise. While service portability is something to consider in the future, now is the time for services to take a close look at the fees charged to consumers to ensure these fees are legally permitted and properly disclosed.

Download the PDF of the notice

[View source.]

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Inside the Device: ‘Biden’s Dystopian Disinformation Board’ https://www.dnz-mladi.com/inside-the-device-bidens-dystopian-disinformation-board/ Mon, 02 May 2022 21:32:44 +0000 https://www.dnz-mladi.com/inside-the-device-bidens-dystopian-disinformation-board/ NEWS AND NOTICES: So President BidenThe White House is setting up a Disinformation Governance Council, which has sparked some concern among those who believe such an entity will compromise American freedom. Now what? Rachel Bovardsenior tech columnist for The Federalist, has advice in a column titled “How Republican Senators Can Fund Biden’s Dystopian Disinformation Council.” […]]]>

So President BidenThe White House is setting up a Disinformation Governance Council, which has sparked some concern among those who believe such an entity will compromise American freedom. Now what?

Rachel Bovardsenior tech columnist for The Federalist, has advice in a column titled “How Republican Senators Can Fund Biden’s Dystopian Disinformation Council.”

“The most powerful weapon available to the legislator is the power of the wallet. Agencies cannot execute their directives or launch their programs without first authorizing the money to do so from Congress. House Republicans are reportedly already drafting legislation to fund the formation and maintenance of this disinformation council. But their efforts are unlikely to gain self-sustaining traction in a Democratic-controlled House,” Ms. Bovard wrote.

“Senators, however, have many more options. Regardless of the majority party, each senator has the power to have the body vote on any proposal they choose,” she continued.

“Senators can bypass the committee process under Rule 14 of the Rules of the Senate and place legislation directly on the Senate calendar, where they can then proceed to procedure. Provided there are no other unfinished business, this motion – known as a motion to proceed – is automatically put in abeyance before the Senate and requires the Senate to vote. Unless a closure is filed, the vote is considered at a threshold of 51 votes,” said Ms. Bovard.

“In other words, Republican senators have an option that their House colleagues don’t. They can hold every senator to account for the Biden administration’s efforts to control the Department of Homeland Security’s speech” , she said.

NOW THERE IS A THOUGHT

“Whenever the federal government says something like, ‘Our work does not infringe on free speech, civil rights, or civil liberties,’ I immediately fear for free speech, civil rights, and civil liberties,” said Adam Guillettepresident of Accuracy in Media, a meticulous press watchdog.

“The government has spent the better part of two years showing us how incapable it is of fighting a pandemic, managing monetary policy and dealing with violent rioters. They should focus on doing less, not more,” Guillette advised in a statement shared with Inside the Beltway.

A BOOK OF NOTES

A new book from the Washington Times columnist and online opinion editor Cheryl K. Chumley arrives Tuesday with a topical headline: “Lockdown: The Socialist Plan to Take Away Your Freedom.”

He’s already won accolades from a cross section of admirers – including Cal Thomas, steve bannonRep. jody hice, Republican of Georgia; the Rev. Frank Pavone, national director of Priests for Life; talk radio host Michael Sauvage; and presidential historian Craig Shirley.

Cheryl Chumley’s “Lockdown” exposes the truth about the left’s exploitation of COVID-19 and the dangers of big government. This book is an important tool for all Americans to defend their liberty and their God-given freedoms,” noted Newt Gingrichin his comment.

Newsmax Host Chris Salcedo writes the foreword.

Publisher Humanix Books warns ahead of time that “drawing on her aggressive reporting style,” Cheryl K. Chumley explains how the radical left is using pandemic politics as a model to increase controls over citizens’ lives as they are building a one-party, socialist state in America.

This is the author’s fourth book.

NO OPERATIONAL CONTROL

Republicans took cryptic note of an appearance by the Homeland Security Secretary Alexander Mayorkas on “Fox News Sunday”.

“He claimed the Biden administration had ‘operational control’ of the border and had ‘effectively managed’ the Biden border crisis. Then Mayorkas casually admitted that 1.4 million illegal immigrants escaped or were released into the United States under President Biden,” Noted tommy Pigotdirector of the Republican National Committee’s rapid response, in a written statement.

But “1.4 million illegal immigrants have escaped or been released into the United States, this is not ‘operational control’ of the border. Local leaders in border communities have been saying this for months,” Pigott said.

“If Biden and his administration continue to deny reality, they should step aside and let someone take charge who will actually secure the border,” he concluded.

AND ON THESE STUDENT LOANS

“His popularity is declining, President Joe Biden uses the oldest trick in the book to bring voters back into the Democratic fold: don’t win their future votes, buy them. And that’s exactly what Biden is doing with his $1 trillion plan to ‘forgive’ student loans,” notes the Issues & Answers editorial board in a commentary published Monday.

“If we’re going to give students a break, why not also cancel the credit card debt or mortgages of plumbers, construction workers, grocery clerks and others in the blue-collar sector?” Don’t they deserve forgiveness? After all, they fix your broken pipes, build your houses, pack your goods and pay their taxes, all without giving you a sufficient lecture on critical race theory or asking you to ‘check your privilege,’” the comment advised. .

“Worse still, this is all planned by Biden on the alleged authority of the Higher Education Act of 1965, which is largely responsible for skyrocketing college costs. But, like Power Line Jean Hinderaker (a lawyer himself) points out that nowhere in this landmark law does it give the government the power to cancel debts. What Biden is proposing is, as Hinderaker rightly puts it, “patently unlawful action for the purpose of vote buying,” the commentary notes.

SURVEY OF THE DAY

• 50% of American adults trust the Republican Party to “do a better job” with the economy, 36% trust the Democratic Party, 10% trust neither, 2% trust both, 3% neither have no opinion.

• 50% trust the GOP on inflation, 31% trust the Democrats, 12% trust neither, 1% trust both, 6% have no opinion.

• 47% trust the GOP on crime; 35% trust Democrats, 11% trust neither, 3% trust both, 5% have no opinion.

• 43% trust the GOP on immigration; 40% trust Democrats, 13% trust neither, 2% trust both, 3% have no opinion.

• 39% trust the GOP when it comes to education and schools; 47% trust Democrats, 10% trust neither, 1% trust both, 3% have no opinion.

SOURCE: An ABC News/Washington Post poll of 1,004 American adults conducted April 24-28.

• Follow Jennifer Harper on Twitter @HarperBulletin.

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Contrast between Carter Bankshares (NASDAQ:CARE) and Bank First (NASDAQ:BFC) https://www.dnz-mladi.com/contrast-between-carter-bankshares-nasdaqcare-and-bank-first-nasdaqbfc/ Sun, 01 May 2022 05:13:54 +0000 https://www.dnz-mladi.com/contrast-between-carter-bankshares-nasdaqcare-and-bank-first-nasdaqbfc/ Carter Bankshares (NASDAQ: CARE – Get a rating) and Bank First (NASDAQ: BFC – Get a rating) are both small cap finance companies, but which is the better investment? We’ll compare the two companies based on earnings strength, analyst recommendations, dividends, institutional ownership, valuation, risk and profitability. Volatility and risk Carter Bankshares has a beta […]]]>

Carter Bankshares (NASDAQ: CAREGet a rating) and Bank First (NASDAQ: BFCGet a rating) are both small cap finance companies, but which is the better investment? We’ll compare the two companies based on earnings strength, analyst recommendations, dividends, institutional ownership, valuation, risk and profitability.

Volatility and risk

Carter Bankshares has a beta of 1.16, suggesting its stock price is 16% more volatile than the S&P 500. In comparison, Bank First has a beta of 0.36, suggesting its stock price is 64% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Carter Bankshares and Bank First, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Carter Bank Stocks 0 3 0 0 2.00
Bank first 0 0 1 0 3.00

Carter Bankshares currently has a consensus price target of $14.50, indicating a potential downside of 11.37%. Bank First has a consensus price target of $84.00, indicating a potential upside of 18.81%. Given Bank First’s stronger consensus rating and higher likely upside, analysts clearly think Bank First is more favorable than Carter Bankshares.

Institutional and Insider Ownership

35.3% of Carter Bankshares shares are held by institutional investors. By comparison, 26.1% of Bank First’s shares are held by institutional investors. 3.0% of Carter Bankshares shares are held by insiders. By comparison, 7.6% of Bank First shares are held by insiders. Strong institutional ownership indicates that large money managers, endowments, and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares the net margins, return on equity and return on assets of Carter Bankshares and Bank First.

Net margins Return on equity return on assets
Carter Bank Stocks 19.85% 7.78% 0.76%
Bank first 36.55% 13.94% 1.54%

Benefits and evaluation

This chart compares revenue, earnings per share and valuation of Carter Bankshares and Bank First.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Carter Bank Stocks $162.78 million 2.55 $31.46 million $1.20 13.63
Bank first $121.90 million 4.40 $45.44 million $5.76 12.27

Bank First has lower revenues, but higher profits than Carter Bankshares. Bank First trades at a lower price-to-earnings ratio than Carter Bankshares, indicating that it is currently the more affordable of the two stocks.

Summary

Bank First beats Carter Bankshares on 10 out of 14 factors compared between the two stocks.

About Carter Bankshares (Get a rating)

Carter Bankshares, Inc. operates as a bank holding company for Carter Bank & Trust which provides various banking products and services. It accepts a variety of deposit products, including checking, savings, retirement, and money market accounts, as well as longer-term certificates of deposit. The company also offers commercial loans including secured and unsecured loans; consumer loans, such as secured and unsecured loans for automobile financing, home improvement, education, overdraft protection and personal investments, and residential mortgages; loans for the construction and acquisition of real estate; home equity lines of credit; and credit cards, as well as issues and holds fixed and variable rate mortgages. In addition, it provides other banking services, including safety deposit boxes, direct deposit of payroll and social security checks, online banking, bill payment, online account opening, mobile, mobile banking, debit cards, electronic statements and ATM services; title insurance and other products and services related to financial institutions; and corporate treasury and cash management services. It operates through 69 branches in Virginia and North Carolina. Carter Bankshares, Inc. was founded in 1974 and is headquartered in Martinsville, Virginia.

About Bank First (Get a rating)

Bank First Corporation operates as a holding company for Bank First NA which provides consumer and commercial financial services to Wisconsin businesses, professionals, consumers, associations, individuals and government authorities. The company offers checking, savings, money market, cash management, retirement and health savings accounts; other term deposits; certificates of deposit; and residential mortgage products. It also provides credit cards; ATM processing; Assurance; data processing and other information technologies; investment and custody; finance management; and online, telephone and mobile banking. The Company’s lending products include real estate loans, including commercial real estate loans, residential mortgages and home equity loans; commercial and industrial loans for working capital, accounts receivable, inventory financing and other business purposes; construction and development loans; residential loans for 1 to 4 families; and consumer loans for personal and household purposes, including secured and unsecured installment loans and revolving lines of credit. It operates through 21 offices in Manitowoc, Outagamie, Brown, Winnebago, Sheboygan, Waupaca, Ozaukee, Monroe and Jefferson counties in Wisconsin. The company was formerly known as Bank First National Corporation and changed its name to Bank First Corporation in June 2019. Bank First Corporation was founded in 1894 and is headquartered in Manitowoc, Wisconsin.



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]]> Seylan Bank upgrades online transaction security for all cards – The Island https://www.dnz-mladi.com/seylan-bank-upgrades-online-transaction-security-for-all-cards-the-island/ Thu, 28 Apr 2022 00:03:24 +0000 https://www.dnz-mladi.com/seylan-bank-upgrades-online-transaction-security-for-all-cards-the-island/ HDFC Bank – a leader in housing development finance – has won the Merit Award (Banking Sector) at the National Business Excellence Awards 2021. This prestigious event was organized by the National Chamber of Commerce of Sri Lanka. It is held annually to recognize companies that have demonstrated excellence according to various criteria. The judging […]]]>

HDFC Bank – a leader in housing development finance – has won the Merit Award (Banking Sector) at the National Business Excellence Awards 2021. This prestigious event was organized by the National Chamber of Commerce of Sri Lanka. It is held annually to recognize companies that have demonstrated excellence according to various criteria.

The judging criteria for the awards were excellence in the following areas: strategy and leadership, corporate governance and strategy, capacity building, performance management, local and global market reach, corporate social responsibility and environmental sustainability, and business and financial results.

HDFC Bank President, Mrs. Wasanthi Manchanayake thanked the staff, customers and other stakeholders for helping them win this award. She said the bank will continue to receive such accolades because of its vibrant corporate culture. She added that a positive attitude permeates all levels of the organization, which has effective processes covering everything from administration to IT and customer service.

HDFC Bank Managing Director/CEO Palitha Gamage said their success was due to a visionary strategy, strong leadership based on their state-private partnership and a dynamic workforce. He noted that these factors enabled the bank to achieve an impressive financial performance in 2021 despite the COVID-19 pandemic and stiff competition from big banks.

The main business of HDFC Bank is to provide home loans to low and middle income people in Sri Lanka. Apart from housing finance, the bank is involved in leasing, deposits, business loans, education loans and pledging. It caters to a range of people with different financial needs, including professionals, public sector employees, retirees and SME entrepreneurs.

Currently, HDFC Bank offers a diverse range of loan and savings products. These are delivered through its extensive network of branches nationwide.

The bank has benefited greatly from its public-private ownership structure. The government holds the majority stake of 51% while private companies and individuals hold a 49% share. This composition offers the strength, stability and security of the state combined with the innovation and efficiency of the private sector.

It has also facilitated technological progress. The bank offers digital banking solutions such as online payment and online banking. The central banking system introduced a few years ago has facilitated the introduction of various products. This system has supported the bank’s growth strategy, improving its efficiency and ability to provide more convenience to customers.

Among the most popular services provided by HDFC Bank is pocket banking. It is currently used by thousands of customers. Many small business owners and freelancers have taken advantage of the ease, convenience, and security it offers.

In line with its mandate, the bank will continue to focus on providing housing related financial support to middle and low income Sri Lankans. This will facilitate social progress and promote economic development throughout the country.

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Oregon needs more financial aid for nursing students and more educators, experts say – Oregon Capital Chronicle https://www.dnz-mladi.com/oregon-needs-more-financial-aid-for-nursing-students-and-more-educators-experts-say-oregon-capital-chronicle/ Thu, 21 Apr 2022 02:51:58 +0000 https://www.dnz-mladi.com/oregon-needs-more-financial-aid-for-nursing-students-and-more-educators-experts-say-oregon-capital-chronicle/ According to nursing students and deans of Oregon nursing schools, more scholarships and possibly tax credits would help stem the shortage of nurses in Oregon. In an hour-long online chat Wednesday, they told U.S. Representative Suzanne Bonamici, D-Oregon, that having enough money to pay for housing, food and other necessities and paying for their education […]]]>

According to nursing students and deans of Oregon nursing schools, more scholarships and possibly tax credits would help stem the shortage of nurses in Oregon.

In an hour-long online chat Wednesday, they told U.S. Representative Suzanne Bonamici, D-Oregon, that having enough money to pay for housing, food and other necessities and paying for their education is one of the biggest hurdles students face in nursing. school. Even those who receive Pell grants or federal funding through Title VIII, which prohibits discrimination in institutions, can find themselves in large debts when they graduate.

“I don’t think we can overstate the importance of Title VIII funding,” said Susan Bakewell-Sachs, dean of the school of nursing at Oregon Health & Science University. She said that in fiscal year 2021, Oregon students received about $2.6 million from those funds.

“We are a state that directly benefits from this,” Bakewell-Sachs said.

Oregon needs to train more nurses to meet demand. The state employment department estimates that Oregon needs to train 2,500 nurses a year to have enough staff to treat patients. Hundreds are missing. Health care systems have relied on recruiting nurses from out of state, but this source is dwindling.

Bonamici said she cares deeply about the nursing shortage in Oregon. She is co-vice-chair of the House Nursing Caucus and sits on the Education and Labor Committee. She said she especially wanted to hear from the students.

Jacob Goeringer, a nursing student at George Fox University in Newberg, said during the discussion that the pandemic has strengthened his commitment to nursing.

“It actually increased my desire to continue in this course and make a positive impact in my community,” Goeringer said. “We need nurses.

But he says he struggled to get financial help.

“There weren’t a lot of external scholarships available to me — even as a minority, being a male in the nursing profession,” Goeringer said.

Educators said Oregon also needs more teachers. The discussion included three educators: Bakewell-Sachs; Pam Fifer, associate dean of nursing at George Fox University in Newberg; and Linda Campbell, dean of the Warner Pacific University School of Nursing in Portland. Jana Bitton, executive director of the Oregon Center for Nursing at the University of Portland, also participated.

At George Fox, the dean and associate dean of nursing have to teach due to a shortage of faculty, Fifer said.

According to the nursing center, Oregon’s associate and license programs graduated just over 1,400 nurses in 2014. That number grew to nearly 1,800 by 2021. But the number of faculty both years remained at 720.

There aren’t many external scholarships available to me – even as a minority, being male in the nursing profession.

– Jacob Goeringer, nursing student at George Fox University

“Scholarships and student aid are important, but we won’t be able to increase the number of graduate nurses in the state without solving the challenges we’re having recruiting nursing faculty,” Bitton told the Capital Chronicle. after the discussion. “We need to be more intentional about our solutions to nursing education capacity and take a more collaborative approach to building our healthcare workforce with industry leaders and government agencies.”

The state struggles to attract enough faculty because of salary, they said. Nurses make more money working in a hospital or clinic than teaching.

This means that even nurses with a passion for teaching often do not pursue an academic career.

“I know several great nurse educators who have said, ‘I have to go back to the bedside,'” Fifer said. “They were the main breadwinner in their family and they couldn’t afford the salary of a nurse educator.”

Bakewell-Sachs said a federal center devoted to nursing education, increasing the number of nursing faculty and the number of clinicians supervising nursing students would help.

The shortage of nurses has reduced clinical opportunities for students, experts say. With the current shortage of all healthcare staff, nurses say they often have to answer the phone, bring meals to patients or perform other tasks they normally wouldn’t do. This leaves them little time to supervise the students.

Still, students need clinical experience to graduate. The University of Portland has a mock clinic on campus to give students experience.

Childcare is another barrier, students said.

Itai Muszongo, a nursing student at Warner Pacific University, has two children. Pursuing her nursing education has been particularly difficult during the pandemic, she said.

“I was homeschooling my kids and I guess I was homeschooling myself, trying to keep up with my homework, trying to keep up with their homework,” Muszongo said. “It was a hell of a jugglery.”

She said there were more daycares now, but it was expensive.

Anna Abel, a nursing student at OHSU, has a daughter in kindergarten. She said the only way to stay in school during the pandemic was to use OHSU’s daycare. Now she struggles to find care after her daughter’s school day.

“After-school care is so difficult to integrate. We are on a long waiting list,” Abel said.

Bonamici said work-study programs are needed to enable students to pursue careers in nursing.

“We need fewer barriers, not more barriers,” Bonamici said.

She said her policy priorities include increasing Pell grants and forgiving more federal loans. But Fifer said loan forgiveness is not the answer to solving the teacher shortage.

“It doesn’t work for all teachers because I think it’s income-based,” Fifer said.

She proposed tax credits as a way to give more money to educators.

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Critical Comparison: Financial Institutions (NASDAQ: FISI) and Dime Community Bancshares (NASDAQ: DCOM) https://www.dnz-mladi.com/critical-comparison-financial-institutions-nasdaq-fisi-and-dime-community-bancshares-nasdaq-dcom/ Sat, 16 Apr 2022 17:42:12 +0000 https://www.dnz-mladi.com/critical-comparison-financial-institutions-nasdaq-fisi-and-dime-community-bancshares-nasdaq-dcom/ Financial institutions (NASDAQ: FISI – Get a rating) and Dime Community Bancshares (NASDAQ: DCOM – Get a rating) are both small cap finance companies, but which is the better investment? We’ll compare the two companies based on the strength of their profitability, analyst recommendations, dividends, risk, valuation, earnings and institutional ownership. Volatility and risk Financial […]]]>

Financial institutions (NASDAQ: FISIGet a rating) and Dime Community Bancshares (NASDAQ: DCOMGet a rating) are both small cap finance companies, but which is the better investment? We’ll compare the two companies based on the strength of their profitability, analyst recommendations, dividends, risk, valuation, earnings and institutional ownership.

Volatility and risk

Financial Institutions has a beta of 1.06, meaning its stock price is 6% more volatile than the S&P 500. In comparison, Dime Community Bancshares has a beta of 1.07, meaning its stock price is 7 % more volatile than the S&P 500.

Profitability

This table compares the net margins, return on equity and return on assets of Financial Institutions and Dime Community Bancshares.

Net margins Return on equity return on assets
Financial institutions 36.29% 16.50% 1.43%
Dime Community Bancshares 24.37% 14.31% 1.23%

Analyst Recommendations

This is a summary of current recommendations and price targets for financial institutions and Dime Community Bancshares, as reported by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Financial institutions 0 0 0 0 N / A
Dime Community Bancshares 0 0 1 0 3.00

Dime Community Bancshares has a consensus price target of $38.50, indicating a potential upside of 10.92%. Given the likely higher upside of Dime Community Bancshares, analysts clearly believe that Dime Community Bancshares is more favorable than financial institutions.

Institutional and Insider Ownership

68.5% of the shares of financial institutions are held by institutional investors. By comparison, 71.8% of Dime Community Bancshares shares are held by institutional investors. 2.0% of the shares of financial institutions are held by insiders of the company. Comparatively, 16.4% of Dime Community Bancshares shares are held by insiders of the company. Strong institutional ownership indicates that hedge funds, endowments, and large fund managers believe a stock will outperform the market over the long term.

Dividends

Financial Institutions pays an annual dividend of $1.16 per share and has a dividend yield of 4.0%. Dime Community Bancshares pays an annual dividend of $0.96 per share and has a dividend yield of 2.8%. Financial institutions pay out 24.3% of their profits in the form of dividends. Dime Community Bancshares pays 42.7% of its profits in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Financial Institutions increased its dividend for 13 consecutive years and Dime Community Bancshares increased its dividend for 1 consecutive year. Financial institutions are clearly the best dividend-paying stocks, given their higher yield and longer track record of dividend growth.

Benefits and evaluation

This table compares the revenue, earnings per share and valuation of Financial Institutions and Dime Community Bancshares.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Financial institutions $214.11 million 2.12 $77.70 million $4.78 6.12
Dime Community Bancshares $426.69 million 3.23 $104.00 million $2.25 3:43 p.m.

Dime Community Bancshares has higher revenue and profits than financial institutions. Financial Institutions trades at a lower price-to-earnings ratio than Dime Community Bancshares, indicating that it is currently the more affordable of the two stocks.

Summary

Dime Community Bancshares beat financial institutions on 9 out of 16 factors compared between the two stocks.

About financial institutions (Get a rating)

Financial Institutions, Inc. operates as a holding company for Five Star Bank, a chartered bank that provides banking and financial services to individuals, municipalities, and businesses in New York City. The company offers checking and savings account programs, including money market accounts, certificates of deposit, sweeping investment and individual retirement accounts and other qualified plan accounts. Its lending products include term loans and lines of credit; short- and medium-term commercial loans for working capital, business expansion and the purchase of equipment; commercial loans to the agricultural industry; commercial mortgage loans; residential mortgages for one to four families, home improvement loans, closed-end home equity loans and home equity lines of credit; and consumer loans, such as auto loans, secured installment loans, and personal loans. The Company also offers personal insurance products, including auto, home, boat, recreational vehicle, landlord and umbrella insurance; commercial insurance including property, liability, automobile, inland marine, workers’ compensation, bond, crop and umbrella insurance products; and financial services including life and disability insurance, health supplements, long-term care, annuities, mutual funds and retirement programs. In addition, it offers personalized investment advisory, wealth management, investment advisory and pension plan services, as well as a real estate investment trust that holds residential mortgages and commercial real estate loans. The company operates a network of 48 banking offices in Allegany, Cattaraugus, Cayuga, Chautauqua, Chemung, Erie, Genesee, Livingston, Monroe, Ontario, Orleans, Seneca, Schuyler, Steuben, Wayne, Wyoming and Yates, New York counties. . Financial Institutions, Inc. was founded in 1817 and is headquartered in Warsaw, New York.

About Dime Community Bancshares (Get a rating)

Dime Community Bancshares, Inc. operates as a holding company for Dime Community Bank which provides various commercial banking and financial services. It accepts term, savings and demand deposits from businesses, consumers and local municipalities. The company also offers commercial real estate loans; multi-family mortgages; residential mortgages; secured and unsecured commercial and consumer loans; home equity loans; and construction and land loans. In addition, it invests in Federal Home Loan Bank, Federal National Mortgage Association, Government National Mortgage Association and Federal Home Loan Mortgage Corporation, mortgage-backed securities, secured mortgage bonds and other mortgage-backed securities. assets ; US Treasury securities; New York State and local municipal bonds; US government-sponsored corporate securities; and corporate bonds. In addition, the company offers deposit account register certificate services and insured cash sweep programs; merchant credit and debit card processing, ATMs, cash management services, safe deposit box processing, online banking, remote deposit capture, safe deposit boxes and individual retirement accounts; investment products and services through a third party broker; and title insurance brokerage services. As of December 31, 2021, it operated 60 branches on Long Island and in the New York boroughs of Brooklyn, Queens, Manhattan and the Bronx. Dime Community Bancshares, Inc. was founded in 1910 and is headquartered in Hauppauge, New York.



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Guaranteed rate, Geneva Financial, AAG add new leaders https://www.dnz-mladi.com/guaranteed-rate-geneva-financial-aag-add-new-leaders/ Wed, 13 Apr 2022 23:38:45 +0000 https://www.dnz-mladi.com/guaranteed-rate-geneva-financial-aag-add-new-leaders/ From left to right: Eric Lapin, Mary Costello FormFree, provider of automated asset verification software to help lenders determine credit risk, recently named mortgage technology expert Eric Lapin as chief strategy officer. Lapin joins the Athens, GA-based technology company from Old Republic Title, where he was Senior Vice President of Corporate Development, National Agency Services, […]]]>

From left to right: Eric Lapin, Mary Costello

FormFree, provider of automated asset verification software to help lenders determine credit risk, recently named mortgage technology expert Eric Lapin as chief strategy officer. Lapin joins the Athens, GA-based technology company from Old Republic Title, where he was Senior Vice President of Corporate Development, National Agency Services, responsible for finding new solutions and new partners. as well as the business development of lenders and agencies. Previously, Lapin held other senior positions at major financial services companies, including Altisource, Black Knight, First American and Credit Suisse. As Chief Strategy Officer, Lapin will identify new growth opportunities and capital projects, oversee business initiatives and spearhead partnerships for FormFree.

The company also recently brought on Mary Costello as director of supplier management, risk and compliance. Costello comes to FormFree from Veterans United Home Loans, where she led and launched its vendor management program while ensuring compliance and due diligence in the lender’s relationship with its partners. In his new role, Costello will manage vendor partnerships alongside other FormFree executives and auditors to mitigate risk.

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