Investment – Flowers N Florists India http://flowersnfloristsindia.com/ Sun, 02 May 2021 04:39:20 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.1 http://flowersnfloristsindia.com/wp-content/uploads/2021/04/flowers-n-florists-india-icon.png Investment – Flowers N Florists India http://flowersnfloristsindia.com/ 32 32 Brokers Set Expectations for First Foundation Inc.’s Earnings for Fiscal Year 2021 (NASDAQ: FFWM) http://flowersnfloristsindia.com/brokers-set-expectations-for-first-foundation-inc-s-earnings-for-fiscal-year-2021-nasdaq-ffwm/ Fri, 30 Apr 2021 12:22:30 +0000 http://flowersnfloristsindia.com/brokers-set-expectations-for-first-foundation-inc-s-earnings-for-fiscal-year-2021-nasdaq-ffwm/

First Foundation Inc. (NASDAQ: FFWM) – DA Davidson stock research analysts lowered their estimates of First Foundation earnings per share for fiscal 2021 in a report released on Wednesday, April 28. DA analyst Davidson G. Tenner now expects the bank to post earnings of $ 2.16 per share for the year, down from their previous estimate of $ 2.18.

FFWM has been the subject of a number of other research reports. B. Riley raised his price target for First Foundation shares from $ 28.00 to $ 30.00 and assigned a “buy” rating to the stock in a research note on Thursday, March 18. Raymond James increased his target price on First Foundation shares from $ 19.00 to $ 24.00 and gave the stock an “outperformance” rating in a research report on Wednesday, January 27. To finish, Zacks investment research downgraded First Foundation shares from a “buy” rating to a “maintain” rating in a research note Thursday. One research analyst rated the stock with a sustaining rating and three gave the company a buy rating. First Foundation currently has a “Buy” consensus rating and an average target price of $ 24.75.

FFWM stock opened at $ 23.82 on Friday. The company has a market cap of $ 1.07 billion, a PE ratio of 13.85 and a beta of 1.54. The company has a quick ratio of 0.88, a current ratio of 0.97 and a debt ratio of 0.40. The stock’s 50-day moving average is $ 23.66 and its two-hundred-day moving average is $ 20.48. First Foundation has a minimum of $ 11.70 in 52 weeks and a maximum of $ 25.59 in 52 weeks. First Foundation (NASDAQ: FFWM) last reported its financial results on Tuesday, April 27. The bank reported earnings per share (EPS) of $ 0.50 for the quarter, beating the Zacks consensus estimate of $ 0.46 by $ 0.04. First Foundation achieved a return on equity of 12.10% and a net margin of 25.59%.

The company also recently announced a quarterly dividend, which will be paid on Monday, May 17. Shareholders of record on Friday, May 7 will receive a dividend of $ 0.09. This represents an annualized dividend of $ 0.36 and a return of 1.51%. The ex-dividend date is Thursday May 6. First Foundation’s dividend payout ratio (DPR) is 28.80%.

Separately, President Ulrich E. Keller, Jr. sold 25,000 shares in a trade on Friday, February 26. The stock was sold at an average price of $ 23.23, for a total trade of $ 580,750.00. Following the closing of the sale, the President now owns 20,687 shares of the company, valued at approximately $ 480,559.01. The sale was disclosed in a legal file with the Securities & Exchange Commission, available through this hyperlink. Additionally, insider John Hakopian sold 10,000 shares of the company in a trade on Monday, March 8. The stock was sold for an average price of $ 25.04, for a total value of $ 250,400.00. As a result of the sale, the insider now directly owns 43,686 shares of the company, valued at $ 1,093,897.44. Disclosure of this sale can be found here. During the last quarter, insiders sold 65,000 shares of the company valued at $ 1,552,250. Insiders own 13.90% of the shares of the company.

A number of hedge funds and other institutional investors have recently bought and sold shares of FFWM. FMR LLC increased its position in First Foundation shares by 6.6% in the first quarter. FMR LLC now owns 4,000,694 shares of the bank valued at $ 54,289,000 after acquiring an additional 247,100 shares during the last quarter. Cubist Systematic Strategies LLC purchased a new equity stake in First Foundation in the third quarter valued at $ 330,000. Hollencrest Capital Management strengthened its position in First Foundation shares by 676.0% in the fourth quarter. Hollencrest Capital Management now owns 160,710 shares of the bank valued at $ 3,214,000 after purchasing an additional 140,000 shares during the period. First Trust Advisors LP increased its holdings of First Foundation shares by 5.8% in the fourth quarter. First Trust Advisors LP now owns 17,601 shares of the bank valued at $ 352,000 after purchasing an additional 961 shares in the last quarter. Finally, Capital Management Corp VA purchased a new stake in First Foundation in the 4th quarter valued at approximately $ 226,000. Hedge funds and other institutional investors hold 61.20% of the company’s shares.

First Foundation Company Profile

First Foundation Inc, through its subsidiaries, provides financial services to individuals, businesses and other organizations in the United States. It operates through two segments, banking and investment management and wealth planning. The Company offers a range of bank deposit products, including personal and business checking accounts, savings accounts, negotiable interest-bearing withdrawal accounts, money market accounts and term certificates of deposits; and loan products including multi-family and single-family residential real estate loans, commercial real estate loans and term loans and a commercial line of credit, as well as consumer loans, such as installment loans and a personal line of credit. , and a home equity line of credit.

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History and revenue estimates for First Foundation (NASDAQ: FFWM)

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Featured article: Dividend-increasing stocks

7 stocks of hotels awaiting vaccine

Like any group of equities linked to travel and tourism, hotel stocks saw a sharp decline in share prices in 2020. The leisure and hospitality sector, which once had 15 million employees, lost 4 million dollars. ‘jobs since February.

Many large cities will feel the ripple effects of the Covid-19 pandemic for years to come. However, there is ample evidence to show that the pandemic may be coming to an end. The number of new cases is dropping. The number of people vaccinated is increasing. And even in cities where mitigation measures are the most restrictive, the slow process of reopening begins.

All of this cannot happen fast enough for people who depend on the travel and tourism industry for their livelihood. The hotel chains had at least some revenue to come. And at the end of the earnings season, the cheapest hotel chains could achieve revenues of 75% of their 2019 figures. But that’s not enough to bring hotels to near full employment. Especially with hotels that have bars and restaurants that have remained closed or open to limited capacity.

Many economists are optimistic that travel could start to look more normal by the summer of this year. And the global economy could generate 6.4% GDP growth this year. With that in mind, the hotel chains with the best fundamentals and the largest footprint will be in the best position as the economy reopens.

See “7 hotel stocks awaiting vaccine”.


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FY2022 EPS estimates for First Commonwealth Financial Co. boosted by analyst (NYSE: FCF) http://flowersnfloristsindia.com/fy2022-eps-estimates-for-first-commonwealth-financial-co-boosted-by-analyst-nyse-fcf/ Fri, 30 Apr 2021 11:23:59 +0000 http://flowersnfloristsindia.com/fy2022-eps-estimates-for-first-commonwealth-financial-co-boosted-by-analyst-nyse-fcf/

First Commonwealth Financial Co. (NYSE: FCF) – DA Davidson investment analysts increased their estimates of earnings per share for fiscal 2022 for shares of First Commonwealth Financial in a report released Thursday, April 29. DA Davidson analyst R. Gunther now predicts the bank will post earnings of $ 1.20 per share for the year, up from their previous estimate of $ 1.15. DA Davidson currently has a “Buy” rating on the stock. First Commonwealth Financial (NYSE: FCF) last published its results on Tuesday, April 27. The bank reported EPS of $ 0.41 for the quarter, beating the consensus estimate of $ 0.29 by $ 0.12. First Commonwealth Financial posted a return on equity of 7.42% and a net margin of 18.68%. The company posted revenue of $ 96.80 million for the quarter, compared to a consensus estimate of $ 95.98 million. In the same quarter of the previous year, the company achieved earnings per share of $ 0.05. The company’s revenue for the quarter increased 11.3% year over year.

FCF has been the subject of several other reports. B. Riley raised his price target on First Commonwealth Financial from $ 12.00 to $ 13.00 and rated the stock “neutral” in a research note on Thursday January 7th. Zacks investment research In a research note on Wednesday, First Commonwealth Financial upgraded the “buy” rating to a “maintain” rating. Finally, Stephens assumed coverage of First Commonwealth Financial in a report on Tuesday, March 30. They issued an “overweight” rating and a price target of $ 16.50 for the company. Six investment analysts rated the stock with a sustaining rating and two gave the company’s stock a buy rating. The company has an average “Hold” rating and a consensus price target of $ 11.50.

Shares of FCF shares opened at $ 14.70 on Friday. The company has a current ratio of 0.93, a quick ratio of 0.93, and a debt ratio of 0.22. The stock has a market cap of $ 1.41 billion, a P / E ratio of 19.34 and a beta of 1.13. The stock has a 50-day simple moving average of $ 14.57 and a 200-day simple moving average of $ 11.97. First Commonwealth Financial has a one-year low of $ 6.77 and a one-year high of $ 15.56.

Large investors recently changed their holdings of stocks. Everence Capital Management Inc. purchased a new stake in First Commonwealth Financial during the first quarter valued at approximately $ 252,000. The Ontario Health Care Pension Plan Trust Fund increased its holdings in First Commonwealth Financial by 2,119.7% in the fourth quarter. The Ontario Health Care Pension Plan Trust Fund now holds 199,400 shares of the bank valued at $ 2,181,000 after purchasing an additional 190,417 shares in the last quarter. Rhumbline Advisers increased its stakes in First Commonwealth Financial by 9.3% in the fourth quarter. Rhumbline Advisers now owns 355,275 shares of the bank valued at $ 3,887,000 after purchasing an additional 30,257 shares in the last quarter. The Manufacturers Life Insurance Company increased its holdings in First Commonwealth Financial by 2.7% in the fourth quarter. The Manufacturers Life Insurance Company now owns 58,088 shares of the bank valued at $ 635,000 after purchasing an additional 1,518 shares in the last quarter. Finally, Allegheny Financial Group LTD purchased a new stake in First Commonwealth Financial during the fourth quarter valued at approximately $ 595,000. 66.95% of the stock is currently held by institutional investors.

Similarly, Executive Vice President Brian G. Karrip sold 8,000 shares of the company in a transaction dated Friday, February 26. The shares were sold for an average price of $ 13.69, for a total value of $ 109,520.00. In addition, Executive Vice President Matthew C. Tomb sold 12,500 shares of the company in a transaction dated Monday, February 8. The stock was sold at an average price of $ 12.61, for a total trade of $ 157,625.00. Insiders have sold a total of 23,000 shares of the company valued at $ 303,395 in the past three months. 1.53% of the stock is held by insiders.

The company also recently declared a quarterly dividend, which will be paid on Friday, May 21. Investors of record on Friday, May 7 will receive a dividend of $ 0.115. This is an increase from First Commonwealth Financial’s previous quarterly dividend of $ 0.11. This represents a dividend of $ 0.46 on an annualized basis and a dividend yield of 3.13%. The ex-dividend date of this dividend is Thursday, May 6. First Commonwealth Financial’s payout ratio is 40.00%.

About First Commonwealth Financial

First Commonwealth Financial Corporation, a financial holding company, provides various banking services to individuals and businesses in the United States. Its consumer services include personal chequing accounts, interest-bearing chequing accounts, health savings and savings accounts, insured money market accounts, debit cards, investment certificates, cash certificates. fixed and variable rate deposit, mortgages, secured and unsecured installment loans, construction and home loans, safes, credit cards, lines of credit with overdraft protection, IRA accounts and ATM services (ATM), as well as Internet, mobile and telephone banking services.

Featured Story: Hedge Funds – How They Work for Investors

History and Revenue Estimates of First Commonwealth Financial (NYSE: FCF)

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Featured article: Why is the cost of capital important?

7 Penny Stocks That Don’t Care About Robinhood

As you read this, Vladimir Tenev, the CEO of the Robinhood trading app, will be testifying before Congress. The company’s role in the GameStop (NYSE: GME) short squeeze will be called into question.

However, the real issue is the right of traders to buy and sell the stocks of their choice. In the case of Robinhood, some traders buy a lot of penny stocks. Although definitions vary, penny stocks are generally considered to be stocks that trade for less than $ 10 per share. These stocks are largely ignored by the investing community.

One of the reasons is that many of these stocks are cheap for a reason. For example, the company may have an outdated business model. In other cases, they operate in a very small niche market that doesn’t generate a lot of income.

And most of these stocks are ignored by the investing community. They are simply not considered important enough to spend time debating.

But some penny stocks are getting the attention of Wall Street. And they are largely ignored by the day trading community. The purpose of this special presentation is to direct you to penny stocks which have a history that “smart money” thinks will end up trading at much higher prices.

And that’s why you should watch them now.

See the “7 Penny Stocks That Don’t Care About Robinhood”.


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Regional Management Corp. Adds New Lender and Expands Warehouse Capacity to $ 300 Million http://flowersnfloristsindia.com/regional-management-corp-adds-new-lender-and-expands-warehouse-capacity-to-300-million/ Fri, 30 Apr 2021 04:06:13 +0000 http://flowersnfloristsindia.com/regional-management-corp-adds-new-lender-and-expands-warehouse-capacity-to-300-million/


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GREENVILLE, SC – (BUSINESS WIRE) – Regional Management Corp. (NYSE: RM), a diversified consumer finance company, announced today that it has increased its warehouse capacity from $ 100 million to $ 300 million by closing a new additional warehouse facility with JP Morgan .

As with the company’s recently closed warehouses with Wells Fargo and Credit Suisse, the new facility finances several forms of collateral, including small loans, large loans, convenience check loans, and digitally created loans. Together, the three new warehouses closed in April 2021 represent an increase of $ 175 million from the company’s former single warehouse of $ 125 million.

“We are pleased to further expand the capacity of our warehouses with the addition of JP Morgan to our lender group,” said Robert W. Beck, President and CEO of Regional Management Corp. ability to invest aggressively in our growth strategy, to return excess capital to shareholders and to position the company for attractive and sustainable growth for years to come.

About Regional Management Corp.

Regional Management Corp. (NYSE: RM) is a diversified consumer credit company that provides attractive and easy-to-understand installment loan products primarily to customers with limited access to consumer credit from banks, credit card companies and other lenders. Regional Management operates under the name “Regional Finance” in 366 branches in 12 states in the Southeast, Southwest, Central Atlantic and Midwestern United States, as of April 2021. The Most of its loan products are secured and each is structured on a fixed rate, fixed term basis with equal monthly payments fully amortizing, repayable at any time without penalty. Regional Management obtains loans through its multi-channel platform, which includes branches, centrally managed direct mail campaigns, digital partners, retailers and its mainstream website. For more information, please visit www.RegionalManagement.com.

Forward-looking statements

This press release may contain various “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not statements of historical fact but rather represent the expectations or beliefs of Regional Management Corp. regarding future events. Forward-looking statements include, without limitation, statements regarding future plans, objectives, goals, projections, strategies, events or performance, as well as underlying assumptions and other statements related thereto. Words such as “may”, “will”, “should”, “likely”, “anticipate”, “expect”, “intends”, “plan”, “project”, “believe”, ” believes, ”“ outlook, ”and similar phrases may be used to identify such forward-looking statements. These forward-looking statements speak only as of the date on which they were made and relate to matters which are inherently subject to risks and uncertainties, many of which are beyond the control of regional management. Accordingly, actual performance and results may differ materially from those contemplated in these forward-looking statements. Therefore, investors should not place undue reliance on forward-looking statements.

Factors that could cause actual results or performance to differ from expectations expressed or implied in forward-looking statements include, without limitation, the following: changes in general economic conditions, including levels of unemployment and bankruptcies; the impact of the recent epidemic of a new coronavirus (COVID-19), including on the regional management’s access to liquidity and the credit risk of the regional management’s financial receivables portfolio; risks associated with the ability of regional management to implement, transition and maintain in a timely and efficient manner the information technology systems, infrastructure, processes and controls necessary to support its operations and its initiatives; risks associated with the regional branch’s loan creation and maintenance software system, including the risk of prolonged system failures; risks associated with opening new branches, including the ability or inability to open new branches as planned; risks inherent in granting loans, including credit risk, repayment risk and the value of collateral, which risks may increase due to adverse economic conditions or recession; risks associated with implementing new underwriting models and processes, including with respect to the effectiveness of new personalized scorecards; risks associated with securitization transactions backed by Regional Management assets; changes in interest rates; the risk that the Regional Directorate’s existing sources of liquidity will become insufficient to meet its needs or that its access to these sources will be unexpectedly restricted; changes in federal, state or local laws, regulations or policies and practices, and the risks associated with the way laws and regulations are interpreted, implemented and enforced; changes in accounting standards, rules and interpretations, and the failure of related assumptions and estimates, including those associated with the implementation of current expected credit loss accounting (CECL); the impact of changes in tax laws, guidelines and interpretations; the schedule and amount of revenue that can be recognized by the regional management; changes in current income and expenditure trends (including trends affecting delinquencies and credit losses); changes in the markets of the regional office and general changes in the economy (particularly in the markets served by the regional office); changes in the competitive environment in which the regional management operates or a decrease in demand for its products; the timing and amount of future cash dividend payments; risks associated with acquisitions; changes in operating and administrative expenses; and the departure, transition or replacement of key personnel. The COVID-19 pandemic can also amplify many of these risks and uncertainties.

The above and other factors are discussed in more detail in documents filed by regional management with the Securities and Exchange Commission. Regional management will not update or revise forward-looking statements to reflect events or circumstances after the date of this press release or to reflect the occurrence of unforeseen events or the non-occurrence of anticipated events, whether whether as a result of new information, future developments. , or otherwise, except as required by law. Regional management is not responsible for changes made to this document by wire or Internet services.

Investor Relations

Garrett Edson, (203) 682-8331

investor.relations@regionalmanagement.com

Source: Regional Management Corp.


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Banks want to play bigger role in point-of-sale lending http://flowersnfloristsindia.com/when-you-get-approved-for-a-fast-cash/ Fri, 30 Apr 2021 04:01:00 +0000 http://flowersnfloristsindia.com/banks-want-to-play-bigger-role-in-point-of-sale-lending/

The rush of FinTechs into the installment loan market is creating a threat for the banks that were the first to get there. But for banks that have remained on the sidelines, the best way forward may be to partner with a fintech rather than back down.

Early movers, such as Citizens Bank of Providence, RI, have already claimed the biggest customers. Citizens developed a personalized financing approach for Apple iPhones six years ago, and that work is paying off now, said Eric Schuppenhauer, head of consumer loans and the national bank.

Xbox All Access, a finance option for Xbox consoles, is another implementation of Citizens’ BNPL services, and the bank is experiencing strong growth in categories such as furniture, fitness and healthcare.

“We didn’t create this overnight – we started in 2015 – and we have a lot of investment, a lot of technology and thinking to develop this set of products and it’s not something easy to do. come in, ”Schuppenhauer said.

Citizens Bank developed a custom finance option for Apple six years ago, making it one of the early players in the modern buy-now / pay-back market.

Bloomberg

As with credit cards, the goal is to be the best choice at the point of sale.

“There is a distinct first-in-place advantage, as the merchant commits to a BNPL platform, they are unlikely to move it,” said Richard Crone, principal at Crone Consulting LLC.

What consumers appreciate about BNPL loans is greater flexibility and predictability of payments, where buyers can essentially choose their own terms by deciding how much to repay and over how many months.

Merchants who see how the digital channel drives more online sales also see the need for instant funding in this environment, Schuppenhauer said.

“A lot of retailers wanted to add BNPL to survive during the pandemic, but I think that’s a trend that’s going to continue as people change their [shopping] behavior, ”he said.

What fintechs have brought to consumer lending are software development kits and APIs, enabling a turnkey process for merchants to add instant financing online or at the point of sale, and banks are now rushing to add these capabilities through partnerships and acquisitions.

The concept of lending to merchants is not new, as Capital One, Wells Fargo, Citibank, Synchrony, and others have provided similar services for years to merchants with private label cards.

“What’s new is offering personalized credit with machine learning that opens up the range of FICO scores available for landing at the point of sale, like all fintechs do without a card,” Crone said.

Some large merchants offer several traditional credit card and installment loan financing options online, but as BNPL expands for in-store purchases, the preferred model will likely be that of a vendor, Crone said.

“The challenge for merchants on the e-commerce and app side is to keep it simple and straightforward, and they probably won’t want more than one BNPL provider, especially for installment loans offered in stores, this that’s going to be the next big wave of growth in this area as we come out of COVID-19, ”Crone said.

For private label lenders, one of the challenges is determining the economics of existing private label card offerings versus installment loans, how to do direct installment loan – bridge payday which typically target young consumers but also attract existing card borrowers who want to buy. some items with different conditions.

Alliance Data, which provides private label credit cards to a number of U.S. merchants including apparel marketers, opted last fall to acquire technology provider BNPL Bread for $ 450 million in order to speed up installment loan tools for traders.

The deal was finalized in December and Allianc this week announced a partnership extending Bread’s BNPL services to retailers using Fiserv’s merchant acquisition services.

Banking technology platform providers Fiserv and FIS are meanwhile expanding BNPL’s capabilities to smaller financial institutions, and card networks have built BNPL engines available to card issuers.

Barclays US chose the partnership path this week, partnering with Chicago-based fintech Amount to achieve rapid merchant onboarding for white-label BNPL services. Barclays plans to market the solution to existing co-branded credit card partners and other merchants in the coming months.

Unlike many fintechs that prey on merchants with BNPL offers, Amount sees a greater opportunity in suing banks that have to offer installment loans.

“We bring our solution directly to the banks and we are working to develop a rapid process to integrate them,” said Adam Hughes, CEO of Amount.

Merchants will have many options to choose from as banks expand BNPL services and fintechs expand their menu of installment loans, said Ginger Schmeltzer, senior analyst at Aite Group.

“Retailers – especially online – are increasingly willing to entertain multiple BNPL vendors because a consumer may prefer one or the other installment lender,” Schmeltzer said.

But banks have several advantages when deploying BNPL options, she said.

“Lenders like Citizens and Barclays are known and trusted names, and it’s better than being a totally unknown commodity. Banks also have a lower cost of funding and more loan management tools than fintechs, ”she said.

The next big wave of BNPL loans will affect small traders, predicts Schmeltzer.

“Merchants of all sizes are seeing higher sales thanks to installment loans and there is still a lot of growth opportunity here for banks and fintechs,” she said.

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Financial Empowerment: Wise Advice Highlights Mavericks’ Latest HUDDLE http://flowersnfloristsindia.com/financial-empowerment-wise-advice-highlights-mavericks-latest-huddle/ Thu, 29 Apr 2021 18:59:04 +0000 http://flowersnfloristsindia.com/financial-empowerment-wise-advice-highlights-mavericks-latest-huddle/

The latest edition of the Mavericks’ HUDDLE was designed to help people who are just starting their journey on the financial roadmap.

Or those who got lost along the way.

What he provided was so much more than that, providing terrific advice to just about anyone, no matter what economic path you are in.

Wednesday’s hour-long virtual event benefited from the wonderful wisdom of a strong group of community leaders and business experts who spoke during the session – Financial Empowerment: Closing the Wealth Gap.

Mavericks partner with online banking leader Chime, the team’s jersey sponsor, to produce this version of HUDDLE. The group, expertly facilitated by Yahoo Finance presenter Akiko Fujita, stressed that getting ahead financially requires sacrifices, but also a lot of common sense.

“The # 1 thing (for younger kids) is learning to live within your means,” said Roland G. Parrish, CEO of Parrish Restaurants. “If you are able to find a good job, stay with your parents for a year, then the next year you will have enough money to get a house or a vehicle.

“Live under your means.”

To which, Fujita said, “This is advice we can all follow.”

Joining Parrish and Fujita on the panel were Chime’s Marketing Director, Melissa Alvarado, Vice President of Government Affairs and Public Policy at Dallas Area Habitat For Humanity Joli Robinson, Executive Director of Way Back Home Robert Manley and Michael Finley, Vice -President of Basketball Mavericks and one of the founding members of the HUDDLE Board of Directors.

The HUDDLE is an initiative of Mavs Take Action! It means honesty, unity, diversity, dialogue, listening, equality.

It was the sixth episode and, like the previous five, a heated conversation.

And more. The Mavericks and Chime have announced that they will donate $ 80,000 to five organizations in North Texas that work to provide financial empowerment programs and support:

Greater Dallas Habitat for Humanity, Way Back House, Lone Star Justice Alliance, Oasis Center, and Dallas County Promise.

This financial investment is impressive, but Wednesday’s advice was invaluable, so to speak.

“Save money. Forget you have it,” was Alvarado’s key point. “The first thing for financial health is to make sure you have that emergency fund.

“And take simple steps. It can seem incredibly overwhelming. If you don’t have an emergency fund, start one. It can be overwhelming if we try to solve everything at the same time. Progress is important, but we will not solve everything overnight. “

Alvarado said Chime is doing its part to ensure that individuals of all creditworthy categories are better off financially.

One of the best advice she could offer was to be aware of predatory lenders – like payday loans.

“We offer free overdrafts (protection) to our customers,” Alvarado said. “The first thing people worry about is not knowing how they’re going to get to payday.

“And they are worried about overdrafts.”

She used the example of a $ 3 cup of coffee turning into a $ 38 cup of coffee if paid for with insufficient funds. Chime is working with customers to eliminate this.

Robinson wholeheartedly endorsed this financial strategy.

“The starting line is different for different families with debt-to-income ratio, credit scores (and more),” she said. “Predatory loans – I’ve heard them called quicksand. These lending practices generally target low-income people. “

Manley’s organization helps citizens re-enter society after being incarcerated. It’s a tough reboot for anyone and Manley said employers and owners alike need to fight the temptation that there are prejudices inherent in these situations.

“Once the employer or owner finds out about the background of the individual, they set up a stigma and that also applies to those who are minorities,” Manley said. “It is therefore extremely difficult to find accommodation. This is where Way Back works with employers and landlords to find accommodation. These are the two most important elements, housing and employment. They must take place quickly so that they stabilize and save money. “

He said the average salary of people incarcerated but returning to the workforce can also be much lower. “There is a huge gap, which makes the problem worse,” he said. “When the average annual (salary) is $ 20 an hour and most of our employees make $ 10 an hour. So I would challenge owners and employers to give those with a background – they say they are background-friendly, but they’re not – to give them opportunities.

Robinson said two areas of concern come to the fore when it comes to helping people through Habitat for Humanity.

One is simply being able to go about the day-to-day affairs of life without getting nickeled.

For example: “On Friday, if you go to a business and cash your check, they take a percentage of your check for you to cash it there – instead of being able to go to a bank, maybe set up a margin. credit. and have a bank account in your name so that your check can be deposited without these fees. This means your take home pay is not what it should be. “

What about advice for young people trying to gain a foothold financially?

“I wish someone had told me on the first day of college that you don’t have to get a credit card,” she said. “Be aware of your expenses. Credit cards can be a problem for years. “

Finley rose through the ranks of his childhood in Chicago to become an NBA star. But he never forgot his financial roots.

And he’s trying to pass that wisdom on to this generation of NBA players.

“I talk to a lot of young people,” Finley said. “And I always tell them: hide now, so you can flash later.”

“And that also goes for non-NBA players.”

It is sometimes difficult for young people to accept. Putting the shiny new set of wheels ahead of the mortgage payment is a recipe for financial hardship.

For more information or to watch a rehearsal of The HUDDLE, visit:

The Huddle – The official home of the Dallas Mavericks (mavs.com)

Twitter: @ESefko


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South State Co. (NASDAQ: SSB) expects quarterly dividend of $ 0.47 http://flowersnfloristsindia.com/south-state-co-nasdaq-ssb-expects-quarterly-dividend-of-0-47/ Thu, 29 Apr 2021 13:49:58 +0000 http://flowersnfloristsindia.com/south-state-co-nasdaq-ssb-expects-quarterly-dividend-of-0-47/

South State Co. (NASDAQ: SSB) announced a quarterly dividend on Wednesday April 28, Zacks reports. Shareholders of record on Friday May 14 will receive a dividend of 0.47 per share from the bank on Friday May 21. This represents an annualized dividend of $ 1.88 and a dividend yield of 2.22%. The ex-dividend date of this dividend is Thursday, May 13.

South State has increased its dividend payout by 42.4% over the past three years and has increased its dividend each year for the past 1 consecutive year.

NASDAQ Shares: SSB opened at $ 84.54 on Friday. The company has a market cap of $ 6.01 billion, a PE ratio of 54.90 and a beta of 1.08. The company has a fifty-day simple moving average of $ 82.54 and a 200-day simple moving average of $ 75.11. The company has a current ratio of 0.99, a quick ratio of 0.97, and a debt to equity ratio of 0.23. South State has a 12-month low of $ 40.42 and a 12-month high of $ 93.26.

South State (NASDAQ: SSB) last reported its financial results on Wednesday, April 28. The bank reported EPS of $ 2.17 for the quarter, beating the consensus estimate of $ 1.42 by $ 0.75. South State had a return on equity of 6.67% and a net margin of 8.18%. The company posted revenue of $ 358.28 million for the quarter, compared to analysts’ expectations of $ 360.90 million. In the same quarter of the previous year, the company achieved earnings per share of $ 0.82. The company’s revenue for the quarter increased 108.1% year over year. As a group, equity research analysts predict South State will post 4.73 EPS for the current fiscal year.

In other Southern State news, President Robert R. Hill, Jr. sold 4,000 shares of the company’s stock in a trade dated Friday, March 12. The stock was sold for an average price of $ 90.34, for a total trade of $ 361,360.00. In addition, Executive Vice President John C. Pollok sold 5,120 shares of the company in a transaction dated Friday, February 19. The shares were sold for an average price of $ 80.30, for a total transaction of $ 411,136.00. Following the closing of the sale, the Executive Vice President now owns 72,218 shares of the company, valued at approximately $ 5,799,105.40. Disclosure of this sale can be found here. In the past 90 days, insiders have sold 52,102 shares valued at $ 4,531,377. 1.43% of the stock is owned by insiders.

Several analysts recently commented on the action. Raymond James downgraded South State shares from an “outperformance” rating to a “market performance” rating in a Friday January 29 report. Truist raised its price target on South State shares from $ 85.00 to $ 97.00 in a report on Monday, March 8. To finish, Zacks investment research in a research report on Tuesday, Jan. 5, South State shares went from a “buy” rating to a “maintain” rating. Four equity research analysts rated the stock with a sustaining rating and three issued a buy rating to the company. The stock currently has a consensus rating of “Hold” and a consensus price target of $ 74.60.

Southern State Company Profile

South State Corporation operates as a bank holding company for the South State Bank which provides a range of banking services and products. The company accepts checking accounts, savings deposits, interest-bearing transaction accounts, certificates of deposit and other term deposits. It also offers commercial real estate loans, residential real estate loans, commercial and industrial loans, as well as consumer loans, including auto, nautical and personal installment loans.

See also: What is a portfolio manager?

Southern State Dividend History (NASDAQ: SSB)

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7 Penny Stocks That Don’t Care About Robinhood

As you read this, Vladimir Tenev, the CEO of the Robinhood trading app, will be testifying before Congress. The company’s role in the GameStop (NYSE: GME) short squeeze will be called into question.

However, the real issue is the right of traders to buy and sell the stocks of their choice. In the case of Robinhood, some traders buy a lot of penny stocks. Although definitions vary, penny stocks are generally considered to be stocks that trade for less than $ 10 per share. These stocks are largely ignored by the investing community.

One of the reasons is that many of these stocks are cheap for a reason. For example, the company may have an outdated business model. In other cases, they operate in a very small niche market that doesn’t generate a lot of income.

And most of these stocks are ignored by the investing community. They are simply not considered important enough to spend time debating.

But some penny stocks are getting the attention of Wall Street. And they are largely ignored by the day trading community. The purpose of this special presentation is to direct you to penny stocks which have a history that “smart money” thinks will end up trading at much higher prices.

And that’s why you should watch them now.

See the “7 Penny Stocks That Don’t Care About Robinhood”.


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Top 5 healthy recipes for college students instead of college food http://flowersnfloristsindia.com/top-5-healthy-recipes-for-college-students-instead-of-college-food/ Thu, 29 Apr 2021 12:58:39 +0000 http://flowersnfloristsindia.com/top-5-healthy-recipes-for-college-students-instead-of-college-food/

If you’re in college, I bet your school meals aren’t super delicious. Cafeteria food tastes great until you know how to cook.

However, if you’re a little more knowledgeable, you know college food is lowest on the food decency scale. So if you have a kitchen, it’s time to cook for yourself. Believe me, you won’t regret it. Healthy eating is better than anything – and most likely it will be help you focus on schoolwork. Here are some of my favorite recipes for healthy college students.

  • Try the spicy lentil and butternut squash vegetarian soup

Preparation time: 10 minutes

cooking time: 40 minutes

This delicious soup can be cooked in under an hour. It’s delicious, creamy, and perfectly healthy for any student. The cooking stages:

  • Take a saucepan, heat it, fry your onions, pinch them with salt, caramelize them.
  • Add the garlic and chili powder.
  • Add the squash and lentils to your pot and bring to a boil.
  • Simmer, covered, for half an hour or less, until the vegetables are smooth.
  • Use a blender to smooth your mixture even more until it looks like a creamy soup.
  • Add the cilantro.

Your soup is now ready to be eaten! You can discover the ingredients in more detail if you need it. Either way, give it a try and see for yourself, you’ll love it.

  • Cook traditional miso noodles with fried eggs

Preparation time: 10 minutes

cooking time: 12 minutes

Your noodles can be made in under 30 minutes if you organize yourself well. This easy recipe makes the perfect dinner. In addition, eating vegetarian food keeps your health in check. Here are the steps to follow:

  • Boil your noodles – add salt and a small drop of olive oil to the water.
  • Sauté ginger, leek and pepper for a minute or more; Then add paprika and garlic to your mixture and cook a little longer.
  • Drain your cooked noodles and add them to your pan. You can add miso and soy sauce to your mixture.
  • Your sprouts, spinach and other vegetables (peas, for example) go well with this dish. Fry them in another pan and add an egg to the mixture.
  • At the end, mix all your dishes into one and serve!

You can find more articles on healthy meals at EduBirdie where various writers post their recipe ideas. For students who need quick food suggestions, this is a great place to experience delicious meals. I personally posted an essay on meal preparation while in college, and it has helped many students find new ways of cooking. Remember, eating healthy keeps your mind and body in shape and helps you function better. Make sure you don’t skip meals and take enough time to fully enjoy your food.

  • Taste delicious linguine with organic avocado, tomato and lime

Preparation time: 20 minutes

Cooking time: 10 minutes

This recipe is vegan, so it’s even healthier than you might imagine. It’s simple and easy to follow.

  • Cook your pasta according to the instructions.
  • While cooking, combine the lime juice, avocado, onion, chili, cilantro and tomatoes in a separate bowl.
  • Drain your pasta, put it in the mix and enjoy your delicious linguine meal.

Easy and delicious, right?

  • Make your own bowl of chipotle burrito

Preparation time: 15 minutes

cooking time: 15 minutes

If you crave chipotle but are broke, here is your alternative – a self-made Chipotle Burrito Bowl. Again, super easy and above all extremely delicious. The steps:

  • Cook the rice following the directions on the back.
  • Take a pan, heat it up and mix the olive oil with the garlic first, then add a tiny bit of vinegar, honey, beans and chipotle.
  • In another pan, cook the kale, drain it and toss it with your beans from the pan.
  • Serve your dish with any sauce you like – I prefer the lime and cilantro on top of my bowl.
  • Try an Indian Masala frittata with avocado salsa

Preparation time: 15 minutes

cooking time: 25 minutes

This recipe is probably the longest in this healthy recipe set – but definitely worth a try! It will take you less than an hour to cook this dish and it will taste absolutely amazing.

  • Heat the oil in a pan, add the onions, cook them until they soften. Add madras, tomatoes and chili. Continue cooking until the mixture is cooked through.
  • Heat your grill and add cilantro on your eggs, then add this mixture to your first. Stir, stir, stir and transfer to your grill; leave it there for 5 minutes.
  • Prepare the salsa by mixing the avocados with the lemon juice and chopped onion. Frittata – ready to eat!

Wrap

Eating healthy in college is really important because it will help you focus better on your academics. So, feel free to cook easy meals and explore ideas online. Have fun while you’re at it!

Authors biography:

Brian Caudill is a freelance writer and animal rights activist. He works part-time for a digital marketing department, promoting website content. Brian’s passions are vegan cooking and hiking.


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What Can You Do If You Are Suffering From Financial Anxiety? http://flowersnfloristsindia.com/what-can-you-do-if-you-are-suffering-from-financial-anxiety/ Thu, 29 Apr 2021 12:37:13 +0000 http://flowersnfloristsindia.com/what-can-you-do-if-you-are-suffering-from-financial-anxiety/

Are you feeling a little stressed about money? Between threats of unemployment and uncertain economic prospects, it is normal to worry about your finances today.

That doesn’t mean it’s healthy. Financial anxiety can have a serious impact on your mental well-being. Worse yet, it can be harder to manage your money in a way that helps you deal with your stress.

Symptoms include:

  • Obsessive thinking: Constantly thinking about money and debt, no matter how low your bank account is or how much you owe, can get on your nerves.
  • Shame: Anxiety keeps you from discussing your financial situation for fear that someone will judge you.
  • Lack of control: An overwhelming sense of helplessness can make you fear that you will never achieve your future goals.
  • Fear: If money is limited, you might be concerned with more immediate concerns like keeping the lights on or putting food on the table.

How to deal with financial anxiety

You can’t give your finances your full focus if you’re nervous and stressed out. Here are some financial tips that can help you deal with the source of your anxiety.

Make a budget

If your anxiety stems from feeling that you can’t control your future, a budget puts you in control. It’s a plan that helps you prioritize your spending and builds financial security.

By creating one, you will also get insight into your past spending habits. You will be able to spot trends that steal money from what really matters.

Take out an installment loan

Unexpected expenses that you haven’t budgeted for are stressful. You are suddenly responsible for finding the money, you don’t have to cover auto repairs or emergency medical bills.

If you are currently facing an emergency, an installment loan can serve as a safety net when needed. Online installment loans from MoneyKey are a convenient way to increase your budget when you have no savings to cover unforeseen emergency expenses.

Of course, you’ll have to pay off your installment loan, plus fees, but your repayment will take weeks or months, giving you time to find the money.

Planning for emergencies

If there’s no urgency in your neck, focus on saving money. An emergency fund is a safety net of your own, so you don’t have to apply for installment loans online.

Once it is big enough, you can tap into these funds the next time an emergency strikes.

Prioritize debt

People in debt are much more likely to suffer from mental health problems. Survey shows 86% of people struggling with their mental health said financial problems worsened the situation.

If you’re struggling with debt, find out how you can double your debt repayment. You can’t eliminate your debt by tomorrow, but you can make a plan that will help you pay off your debt faster.

Talk to someone

Reach out to someone you trust and let them know you’re having trouble. You might be surprised to find that you have common ground. It can be reassuring to learn that you are not the only one dealing with anxiety. Your loved one might even share some helpful tips on how to deal with it.

Takeaway meals

When you are anxious it is difficult to find a solution, but this feeling is not permanent. Address the root cause of your financial anxiety and figure out what you can do to fight back, remembering the tips you learned here today.


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Synchrony Financial Announces Quarterly Dividend of $ 0.22 (NYSE: SYF) http://flowersnfloristsindia.com/synchrony-financial-announces-quarterly-dividend-of-0-22-nyse-syf/ Thu, 29 Apr 2021 11:42:51 +0000 http://flowersnfloristsindia.com/synchrony-financial-announces-quarterly-dividend-of-0-22-nyse-syf/

Synchrony Financial (NYSE: SYF) announced a quarterly dividend on Thursday, April 22, RTT News reports. Shareholders of record on Monday May 3 will receive a dividend of 0.22 per share from the financial services provider on Thursday May 13. This represents an annualized dividend of $ 0.88 and a return of 2.05%. The ex-dividend date is Friday April 30.

Synchrony Financial has increased its dividend payment by 57.1% over the past three years and has increased its dividend each year for the past 1 year. Synchrony Financial has a dividend payout ratio of 17.6%, which indicates that its dividend is sufficiently covered by earnings. Analysts expect Synchrony Financial to earn $ 3.54 per share next year, which means the company should continue to be able to cover its annual dividend of $ 0.88 with a future payout ratio. forecast of 24.9%.

NYSE Shares: SYF opened at $ 43.03 on Thursday. The company has a current ratio of 1.21, a quick ratio of 1.21, and a debt ratio of 1.39. Synchrony Financial has a one-year minimum of $ 15.17 and a one-year maximum of $ 43.61. The company has a fifty-day moving average price of $ 41.42 and a 200-day moving average price of $ 35.49. The stock has a market cap of $ 25.02 billion, a PE ratio of 19.74, a P / E / G ratio of 1.92, and a beta of 1.79.

Synchrony Financial (NYSE: SYF) last released its quarterly results on Tuesday, April 27. The financial services provider reported EPS of $ 1.73 for the quarter, beating the Thomson Reuters consensus estimate of $ 1.50 by $ 0.23. Synchrony Financial had a net margin of 8.16% and a return on equity of 12.73%. In the same quarter of the previous year, the company achieved EPS of $ 0.58. On average, business analysts predict that Synchrony Financial will post 2.47 earnings per share for the current fiscal year.

Synchrony Financial announced that its board of directors on Tuesday January 26 approved a share buyback program that authorizes the company to repurchase $ 1.60 billion of outstanding shares. This buyback authorization authorizes the financial services provider to buy up to 8% of its shares through open market purchases. Share buyback programs typically indicate that company management believes its shares are undervalued.

A number of equity research analysts have recently commented on SYF’s shares. JPMorgan Chase & Co. lowered its price target on Synchrony Financial shares from $ 49.00 to $ 48.00 and set an “overweight” rating on the stock in a research note on Thursday, April 15. They noted that the move was an appraisal call. Oppenheimer reissued a “market performance” rating on Synchrony Financial shares in a research report on Tuesday, April 20. JMP Securities raised its price target for Synchrony Financial shares from $ 36.00 to $ 43.00 and gave the company an “outperformance” rating in a research report on Tuesday, January 26. Morgan Stanley raised its price target for Synchrony Financial shares from $ 54.00 to $ 55.00 and rated the stock “overweight” in a report on Wednesday. Finally, TheStreet upgraded Synchrony Financial shares from a “c +” rating to a “b” rating in a research report on Friday, February 12. Three research analysts rated the stock with a sustaining rating and eleven gave the stock a buy rating. The company currently has an average rating of “Buy” and an average price target of $ 41.43.

Separately, insider David P. Melito sold 2,205 shares of the company in a transaction that took place on Monday, April 5. The shares were sold for an average price of $ 42.16, for a total value of $ 92,962.80. Following the closing of the transaction, the insider now directly owns 17,342 shares of the company, valued at $ 731,138.72. The transaction was disclosed in a document filed with the Securities & Exchange Commission, available through this hyperlink. In addition, insider Paul Whynott sold 20,480 shares of the company in a trade that took place on Tuesday, March 2. The shares were sold for an average price of $ 39.76, for a total transaction of $ 814,284.80. 0.45% of the shares are held by insiders of the company.

About Synchrony Financial

Synchrony Financial is a consumer financial services company in the United States. It offers a range of specialized financing programs and consumer banking products to the digital, retail, home, automotive, travel, health and pet industries. The company also offers private label credit cards, dual cards, general purpose co-branded credit cards, and small and medium business credit products; and promotional financing for consumer purchases, such as private label credit cards, dual cards and installment loans.

Featured article: What is Forex?

Dividend history for Synchrony Financial (NYSE: SYF)

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7 stocks of electric vehicles (EVs) that have real juice

I’ll start with a warning. You won’t see Tesla (NASDAQ: TSLA) or Nio (NYSE: NIO) on this list. And it’s not because I’m against the grain. I’m just looking at Tesla and Nio as the known quantities in the electric vehicle industry. The purpose of this presentation is to help you identify stocks that might be flying under your radar.

Many EV shares were floated on the stock market in 2020 through a special purpose acquisition company (SPAC). There is both good and bad in this story. The advantage is that investors have many options for investing in the EV sector. Many companies that have entered the market are trying to carve out a specific niche.

The bad news is that these stocks are very speculative in nature. While companies like Tesla and Nio have a proven track record (albeit recent), there are things like revenue and orders that investors can analyze. With many of these new companies going public, investors are encouraged to buy more history than the stock, which is always risky.

However, in this special presentation, we have identified seven companies that appear to have a compelling enough story for investors to be rewarded in 2021.

See the “7 Electric Vehicle (EV) Stocks That Have Real Juice”.


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Ironhorse Funding LLC Opens Western Operations Center in Salt Lake City, Utah http://flowersnfloristsindia.com/ironhorse-funding-llc-opens-western-operations-center-in-salt-lake-city-utah/ Thu, 29 Apr 2021 11:07:00 +0000 http://flowersnfloristsindia.com/ironhorse-funding-llc-opens-western-operations-center-in-salt-lake-city-utah/

BEVERLY, Mass., April 29, 2021 / PRNewswire / – Ironhorse Funding LLC Announces the Opening of its Western Operations Center located in Salt Lake City, UT, to provide extended hours of service to customers and customers in the Mountain and Pacific time zones. The new loan operations center is located at American Plaza II, a downtown business center Salt lake city. Ironhorse Funding, headquartered at Beverly, MA, is a leading originator, lender and agent of non-prime and sub-prime services for the Motorcycle, Powersports, RV and Marine industries.

The Ironhorse fundraising team located at Salt lake city has been fully operational since April 2021 and is headed by the Director of Operations, Bryan fenger. This center currently provides underwriting services and in the coming months will be expanded to provide additional dealer and customer support, including collections.

Dan Wilensky, Managing Director of Ironhorse Funding said, “We are excited about the unprecedented growth we have experienced over the past year and this office allows us to better align our operations to meet the needs of our growing national customer base across the country. western continent. United States. The additional staff also allows us to provide better support to all of our customers, dealers and borrowers. “

In addition to the new office of Salt lake city, Ironhorse Funding has expanded its Beverly, MA head office from 9,500 square feet to over 25,000 square feet to accommodate the additional staff needed to support the expansion of national operations. For over fifteen years, Ironhorse’s finance team has focused on creating and providing access to finance programs so that clients can approve borrowers of each credit profile and support those programs with exceptional customer service.

About Ironhorse Funding LLC
Ironhorse Funding provides access to the most comprehensive and effective non-prime and sub-prime financing programs in the motorcycle, powersports, recreational vehicles and marine industries with a full suite of dealer, distributor and OEM services on these markets as well as direct services. – consumer loans. Present in more than 25 states, Ironhorse Funding is in the implementation phase of a nationwide expansion and is expected to be operational nationwide by the third quarter of 2021. Ironhorse Funding has made more than 75,000 loans and leases and manages consumer installment loans and leases for dealers, distributors, OEMs, investors and financial institutions on indirect, captive and direct-to-consumer platforms. To learn more, visit https://www.ironhorsefunding.com

This press release was posted via 24-7PressRelease.com. For more information visit http://www.24-7pressrelease.com.

SOURCE Ironhorse Funding LLC


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