Finance – Ardud http://ardud.ro/ Tue, 28 Jun 2022 18:53:50 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://ardud.ro/wp-content/uploads/2021/05/default1-150x150.png Finance – Ardud http://ardud.ro/ 32 32 Cong leader Satyajeet Tambe writes to RBI Governor and demands action against widespread online loan scams https://ardud.ro/cong-leader-satyajeet-tambe-writes-to-rbi-governor-and-demands-action-against-widespread-online-loan-scams/ Tue, 28 Jun 2022 18:53:50 +0000 https://ardud.ro/cong-leader-satyajeet-tambe-writes-to-rbi-governor-and-demands-action-against-widespread-online-loan-scams/ Congress leader Satyajeet Tambe has written to Reserve Bank of India (RBI) Governor Shaktikanta Das to draw his attention to widespread abusive practices through online instant loan applications. Congress leader Satyajeet Tambe has written to Reserve Bank of India (RBI) Governor Shaktikanta Das to draw his attention to widespread abusive practices through online instant loan […]]]>

Congress leader Satyajeet Tambe has written to Reserve Bank of India (RBI) Governor Shaktikanta Das to draw his attention to widespread abusive practices through online instant loan applications.

Congress leader Satyajeet Tambe has written to Reserve Bank of India (RBI) Governor Shaktikanta Das to draw his attention to widespread abusive practices through online instant loan applications. The letter was written on June 17.

He urged the governor to intervene in the matter. Maharashtra’s cybercrime unit has received at least 1,900 complaints related to online loan applications since 2020.

Tabe said the phenomenon is the latest online threat. “Even a committee formed by RBI found that more than half of the 1,100 apps available on the devices are illegal. These 1,100 digital lending apps are available in at least 80 app stores. According to the RBI report, the maximum number of complaints were filed in Maharashtra, followed by Karnataka, Delhi, Haryana, Telangana, Andhra Pradesh and Uttar Pradesh among others,” Tambe said.

Tambe added in his letter, “Most private lenders attract customers by offering huge loan amounts, collecting the least amount of paperwork and disbursing the loan in no time. People who urgently need money take out loans with high interest rates and end up being harassed.

Tambe further said that borrowers are inundated with calls, abused on calls, and harass people on their contact list. “They often cause irreversible damage with their shameful tactics and the borrower even finds it difficult to cope with society,” he added.

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  • Amit Madholia, new district planner.  (Source)

    Unauthorized Settlements on the New Urbanist’s Radar

    Curbing the spread of unauthorized settlements in the city and preventing commercial activity in residential areas will be top priorities for Amit Madholia, the newly appointed district planner who took charge of the Department of territory planning. The enforcement department will also take strict measures against the development of illegal settlements in the city and on the outskirts.

  • Selon la police, le suspect, Jitender alias Jeetu a reçu <span class=

    Main culprit in van looting case arrested in Gurugram

    A 34-year-old man, who was the main culprit involved in The 96 lakh cash loot from a private agency van on April 18 was detained at Subhash Chowk in Gurugram on Sunday, police said on Monday. According to the police, the suspect, Jitender alias Jeetu (identified by his first name) received 10.5 lakh of the loot, after which hJitender, a resident of Bagahi village in Sant Kabir Nagar district of Uttar Pradesh, fled and kept changing his location.

  • Biogas plant on the road to Ghole.  (HT FILE PHOTOS)

    25 biogas plants installed in 100 cr will be closed by Pune civic body

    The Pune Municipal Corporation decided on Tuesday to close its biogas plants. PMC had erected 25 biogas plants at a cost of Rs100 crore. PMC’s solid waste management department manager, Asha Raut, said, “PMC has made the decision to close these plants.” City Commissioner Vikram Kumar said, “As these factories are not functioning properly, PMC will demolish them and set up four new factories in different parts of the city.”

  • Police were patrolling the area where protests had broken out.  (File photo)

    June 3 Violence in Kanpur: police search for NBW against a builder; reconstructed SIT

    KANPUR Police have applied to court for a non-releasable warrant against Haji Mohammad Wasi, a builder and one of the alleged backers of the June 3 violence in Kanpur, who fled after Haji Wasi’s name came up in the case with Mukhtar Baba, also a suspected backer of protests in Kanpur, officials said. It was alleged that Wasi funded the alleged mastermind of Kanpur’s violence, Zafar Hayat Hashmi.

  • HT picture

    All villages in Noida will have tap water by the end of next year, according to irrigation department

    Noida: The irrigation department recently did a survey and found that more than 90 villages in Noida have no piped water connection and people are forced to use groundwater for their daily needs . During the survey conducted over the past two months, it was found that government or community land was available in 68 villages. Officials said DPRs for 48 villages have already been sent and 37 of them have also been approved.

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Regulator was entitled to probe company offering instant loans – SCA https://ardud.ro/regulator-was-entitled-to-probe-company-offering-instant-loans-sca/ Sun, 26 Jun 2022 22:05:25 +0000 https://ardud.ro/regulator-was-entitled-to-probe-company-offering-instant-loans-sca/ The National Credit Regulator (NCR) was within its rights to open an investigation into instant loan company Dacqup Finances on reasonable suspicion that it violated the National Credit Act (NCA), according to a Supreme Court ruling in appeal made last week. Dacqup, trading as ABC Financial Services, a registered credit provider, offered “instant” micro-loans of […]]]>

The National Credit Regulator (NCR) was within its rights to open an investigation into instant loan company Dacqup Finances on reasonable suspicion that it violated the National Credit Act (NCA), according to a Supreme Court ruling in appeal made last week.

Dacqup, trading as ABC Financial Services, a registered credit provider, offered “instant” micro-loans of up to R8,000.

The company had engaged in repeated wrongdoing and in doing so aroused the suspicions of an RNC inspector who noticed a sign offering ‘instant loans’. If the loans were instant, the inspector felt the business would struggle to comply with the onerous accessibility assessments required by the NCA.

Lily:

The inspector entered the premises posing as a customer and asked about the possibility of taking out a loan, and was told that the interest rate was 30% per month on short-term loans. term – which is much higher than that permitted by law.

Complaint

The NCR filed a complaint against Dacqup with the National Consumer Court, which found that the company violated several provisions of the NCA. The court sentenced her to pay a fine and to have all of her credit agreements assessed by an independent auditor for a certain period.

Read: South African consumers continue to feel the pinch; 62% refused credit

Dacqup successfully appealed these orders to the North Gauteng High Court. This success was based on a technical point, without the merits of the case having been discussed.

The case ended up before the SCA, confirming NCR’s argument that once a complaint has been made by an NCR inspector or any other person under the law, the NCR is in its right to initiate an investigation.

The SCA decision indicates that the approach adopted by the High Court “confused the notion of reasonable suspicion with At first glance evidence”. The High Court previously found there was no reasonable suspicion to bring a complaint, which has now been overturned by the SCA.

“As our courts have repeatedly stated, reasonable suspicion contemplates a lesser burden than that of At first glance evidence,” the judgment says.

In other words, an inspector in the NCR would not need to obtain a loan to obtain At first glance evidence of a violation of the law.

“In all the circumstances, I am satisfied that the NCR has demonstrated that it had a reasonable suspicion to initiate an investigation into the activities of Dacqup,” reads the judgment.

Dacqup wanted NCR to pay listeners

There was also the question of whether the Court was within its rights to order Dacqup to appoint an auditor to assess the amount consumers had been overcharged.

Dacqup argued that NCR should bear this cost, although SCA reported several other instances where independent auditors had been appointed to determine the extent of illegally obtained profits. Implicit in these orders is that the entity concerned must pay the costs of the auditor.

“There is no reason why the cases involving the NCR should be any different, particularly given the broad powers granted to the court to make any appropriate orders relating to prohibited conduct,” the judgment reads.

Dacqup’s successful appeal to the North Gauteng High Court was quashed and the company was ordered to pay the costs of the case.

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New York Mortgage Trust, Inc. (NASDAQ:NYMT) Receives Average Analyst Rating of “Hold” https://ardud.ro/new-york-mortgage-trust-inc-nasdaqnymt-receives-average-analyst-rating-of-hold/ Sat, 25 Jun 2022 10:51:29 +0000 https://ardud.ro/new-york-mortgage-trust-inc-nasdaqnymt-receives-average-analyst-rating-of-hold/ New York Mortgage Trust, Inc. (NASDAQ:NYMT – Get Rating) received an average rating of “Hold” from the seven brokerages that cover the business, Marketbeat reports. Two equity research analysts have rated the stock with a sell rating and three have issued a buy rating on the company. The 12-month average price target among brokers who […]]]>

New York Mortgage Trust, Inc. (NASDAQ:NYMT – Get Rating) received an average rating of “Hold” from the seven brokerages that cover the business, Marketbeat reports. Two equity research analysts have rated the stock with a sell rating and three have issued a buy rating on the company. The 12-month average price target among brokers who have rated the stock over the past year is $4.25.

A number of brokerages weighed in on NYMT. StockNews.com downgraded the New York Mortgage Trust from a “hold” rating to a “sell” rating in a Tuesday, May 10 research note. Barclays lowered its target price on New York Mortgage Trust from $4.00 to $3.50 in a report on Wednesday April 27. Finally, Bank of America lowered its price target on New York Mortgage Trust from $4.50 to $3.75 and set an “underperform” rating on the stock in a Wednesday, March 9 report.

A number of hedge funds and other institutional investors have recently increased or reduced their holdings in NYMT. CWM LLC increased its stake in New York Mortgage Trust to 92.9% during the first quarter. CWM LLC now owns 7,386 shares of the real estate investment trust worth $27,000 after acquiring 3,558 additional shares in the last quarter. Aaron Wealth Advisors LLC acquired a new equity stake in New York Mortgage Trust in the first quarter valued at approximately $2,696,000. Raymond James Financial Services Advisors Inc. acquired a new stake in shares of New York Mortgage Trust in the first quarter valued at approximately $37,000. Verdence Capital Advisors LLC acquired a new stake in shares of New York Mortgage Trust in the fourth quarter valued at approximately $44,000. Finally, Camelot Portfolios LLC acquired a new equity stake in New York Mortgage Trust in the fourth quarter valued at approximately $45,000. Hedge funds and other institutional investors hold 54.25% of the company’s shares.

(A d)

Working 70 hours a week as a lawyer in Chicago, I was miserable.

I met guys who worked in the trading room at the local stock exchange. I started to negotiate the same way as them. I started with $50,000 (much more than I needed, actually).

I increased my $50,000 to $5.3M

NYMT stock opened at $2.77 on Friday. The company has a 50-day moving average price of $2.99 ​​and a 200-day moving average price of $3.43. The stock has a market capitalization of $1.06 billion, a price/earnings ratio of 55.40, a PEG ratio of 7.98 and a beta of 1.77. New York Mortgage Trust has a fifty-two week minimum of $2.24 and a fifty-two week maximum of $4.63. The company has a quick ratio of 4.03, a current ratio of 4.03 and a debt ratio of 1.73.

New York Mortgage Trust (NASDAQ:NYMT – Get Rating) last released its results on Tuesday, May 3. The real estate investment trust reported ($0.22) earnings per share for the quarter, missing the consensus estimate of $0.08 per ($0.30). New York Mortgage Trust had a return on equity of 7.42% and a net margin of 31.18%. During the same period a year earlier, the company posted EPS of $0.11. As a group, sell-side analysts expect New York Mortgage Trust to post year-to-date EPS of 0.09.

The company also recently announced a quarterly dividend, which will be paid on Monday, July 25. Shareholders of record on Monday, June 27 will receive a dividend of $0.10. The ex-dividend date is Friday, June 24. This represents an annualized dividend of $0.40 and a dividend yield of 14.44%. New York Mortgage Trust’s dividend payout ratio is currently 800.00%.

About New York Mortgage Trust (Get an evaluation)

New York Mortgage Trust, Inc. acquires, invests, finances and manages single-family and multi-family residential mortgage-related assets in the United States. Its focused investments include residential loans, second mortgages and business loans; structured multifamily real estate investments, such as preferred stock and mezzanine loans to owners of multifamily properties, as well as joint venture equity investments in multifamily properties; residential non-agency mortgage-backed securities (RMBS); Agency RMBS; commercial mortgage-backed securities (CMBS); and other mortgages, residential housing and credit-related assets.

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Antioch residents rally for safe and affordable housing in response to blatant rent increases https://ardud.ro/antioch-residents-rally-for-safe-and-affordable-housing-in-response-to-blatant-rent-increases/ Thu, 23 Jun 2022 01:14:41 +0000 https://ardud.ro/antioch-residents-rally-for-safe-and-affordable-housing-in-response-to-blatant-rent-increases/ Parent advocates release new report highlighting need for stronger protections for tenants in Antioch Endless worries about landlords raising rents, travel and livability issues highlighted among 1,000 Antioch residents in survey Antioch, California – Advocates held a rally on June 22, 2022 to demand safe, affordable housing and an immediate halt to exorbitant rent increases. […]]]>

Parent advocates release new report highlighting need for stronger protections for tenants in Antioch

Endless worries about landlords raising rents, travel and livability issues highlighted among 1,000 Antioch residents in survey

Antioch, California – Advocates held a rally on June 22, 2022 to demand safe, affordable housing and an immediate halt to exorbitant rent increases. Low-income tenants at Delta Pines Apartments and Casa Blanca Apartmentstwo government-subsidized affordable housing buildings are facing potential relocation after their corporate landlord recently raised monthly rents by as much as $500.

Prior to the rally, attendees gathered in the Lowe’s parking lot near 1951 Auto Center Drive, where they marched to the Delta Pines apartments while holding signs and singing.

Residents of Delta Pines and Case Blanca aren’t the only ones facing sudden rent increases. A new survey of Antioch residents released today finds that rent hikes and housing instability are widespread across the city. Seventy-nine percent of tenants say they worry about rent increases, while 68% worry about being able to pay their current rent.

Local parents defend the interests of East County Regional Group (ECRG), sponsored by The first 5 Against Costaconducted the community survey of over 1,000 residents of Antioch to understand their housing challenges and needs.

The rally was organized by the ECRG, First 5 Contra Costa and the Alliance of Californians for Community Empowerment (ACCE). Residents of Delta Pines, Casa Blanca, and community members with ECRG spoke about their first-hand experiences with unaffordable rent, eviction fears, and landlord harassment.

Speakers shared survey data showing the need for tenant protection for families in Antioch. The event will be in coordination with ACCE’s statewide day of action to highlight abuses by business owners.

“Housing insecurity is a threat to our basic humanity,” said Rocheall Pierre, a resident of Antioch and an active ECRG member who will speak at the rally. “Living in Antioch challenges every parent, no matter where they are from or what their income, to find a safe and dignified place to raise their family. I live in a corporate owned building and am paying $1800 for a one bedroom apartment for me and my son. After the rent, there is not enough left to cover emergency expenses. I had to take out payday loans, which put me in more debt. Antioch’s housing system is broken and prioritizes landlords over local families. »

The new report “Antioch CHANGE: A Community Housing Assessment of Needs, Gaps and Equity in Antioch, California” is a partnership between the ECRG, First 5 Contra Costa, Healthy & Active Before 5 and Urban Habitat. Survey responses were collected in 2021, and the process was guided by resident leadership and community-based participatory research principles. Although the survey can be completed online, 81% of responses were collected individually by ECRG leaders using tablets and paper surveys. Promotion of the survey included social media, telephone banking, door-to-door and talking to residents at community events, vaccination sites, laundromats, grocery stores, parks, local clinics, churches and service organizations.

Key findings of the report include:

  • On average, respondents paid 63% of their monthly income in rent, leaving little for food, medicine, childcare and other basic necessities.
  • Fifty-one percent of tenants said they were worried about eviction and 64 percent were worried their deposits wouldn’t be returned when they moved out.
  • Low-income residents of color and families with young children are the most housing insecure, reporting a higher rent burden, fears of displacement and livability issues. Among tenants with young children, 83% worried about rent increases and 75% worried about not being able to pay the rent.

“Everyone needs a safe, stable and healthy place to call home, and this is especially important for young children,” said Rhea Elina Laughlin, community engagement program manager at First 5 Contra Costa. “The early experiences of young children are critical to their future learning and well-being. These egregious rent hikes and the lack of affordable housing in Antioch have only deepened the city’s deep-rooted racial and economic inequalities and put the well-being of our children and the community as a whole at risk. Local tenant protection policies are urgently needed.

More than four in five tenants and landlords surveyed said they want the city of Antioch to take action to limit annual rent increases, prevent unfair evictions, create pathways to home ownership and build housing more affordable. For residents of Antioch, especially low-income families of color struggling with unaffordable rents, housing instability is a daily concern. In addition to rent increases and threats of eviction, families are harassed by landlords and property managers. Without protections, families are forced to make the impossible choice of living in uninhabitable conditions or becoming homeless.

Drawing on decades of resident organizing and advocacy for housing justice, the report includes policy recommendations for leaders in Antioch. Policies advocated in the report include:

  • Implementation of rent control,
  • Require just cause for eviction, and
  • Enact tenant anti-harassment ordinances.

Supporters of the 22nd action will demand that the leaders of the city of Antioch adopt these policy recommendations. On June 14, Concord City Council passed a new anti-harassment policy for tenants. The policy puts in place new protections for tenants facing abusive landlords who threaten, harass and intimidate them. Owners who violate the policy may be fined.

Community members at the rally spoke out in favor of including strong tenant protections in the housing component of the city’s overall plan. The housing element, which is only updated once every eight years, describes how the city will achieve its housing goals and provides an opportunity to address past inequalities.

The full report “Antioch CHANGE: A Community Housing Assessment of Needs, Gaps and Equity in Antioch, California” will be available here June 22 at 9:00 a.m.

About the East County Regional Group:

East County Regional Group is a volunteer parent advocacy group working to make East Contra Costa healthier, safer and fairer for young children and families. The ECRG is sponsored by the First 5 Contra Costa Community Engagement and Advocacy Program.

About First 5 Contra Costa:

First 5 Contra Costa helps young children start school healthy, nourished and ready to learn by investing in child-centered programs and activities during their first five years, the most important period of child development. children.

About the Alliance of Californians for Community Empowerment (ACCE) Stock:

The Alliance of Californians for Community Empowerment (ACCE) Action is a local, member-driven, statewide community organization that works with more than 16,000 members across California. ACCE is dedicated to raising the voices of everyday Californians, neighborhood by neighborhood, to fight for the policies and programs we need to improve our communities and create a better future.

About Healthy & Active Before 5 (HAB45):

Healthy & Active Before 5 (HAB45) is a Contra Costa collaboration that advances health equity through local policy and environmental change to support the health and well-being of young children and their families. HAB45 provides regional groups with technical assistance and data support.

About Urban Habitat:

Urban Habitat (UH) works to democratize power and advance equitable policies to create a just and connected Bay Area for low-income communities of color. Through strategic partnerships, UH supports the increased power and capacity of low-income communities and communities of color.

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Small Payday Loans Online No Credit Check https://ardud.ro/small-payday-loans-online-no-credit-check/ Sat, 18 Jun 2022 17:29:25 +0000 https://ardud.ro/small-payday-loans-online-no-credit-check/ Small payday loans online without a credit check Get 100% cash advance online even with bad credit. The best service for fast loans! Loans A credit check can sometimes be applied to some payday loans as well. A credit check is generally not required for many payday loans, but may be requested if the loan […]]]>

Small payday loans online without a credit check

Get 100% cash advance online even with bad credit. The best service for fast loans!

Loans

A credit check can sometimes be applied to some payday loans as well. A credit check is generally not required for many payday loans, but may be requested if the loan is over $10,000. Some lenders require applicants to have a driving record. However, others do not. Your credit score will almost certainly be higher anyway, and your current credit score may not be worth the cost of the loan. Some payday lenders require a social security number or other biometric information for their borrowers. Despite the credit check, you can take small payday loans online without credit check and do it so easily today. You can do it faster and more cost effectively.

Other providers have no minimum deposit or other payment requirements. Once you’ve approved, you’ll receive a confirmation screen and a check in the mail. If your bank hasn’t approved any of your credit cards or you’re a victim of identity theft, you can always contact the lender and ask them to review the information. If the seller hasn’t sent you funds for the debt amount by the time you get to the bank, it’s common for them to simply refund the deposit and return nothing to you.

You will not be charged any fees for refunding the money. Keep in mind that when someone is in a temporary financial crisis, they have no way to recover a cash advance. You won’t be penalized by the lender if you don’t get the promised $300 within seven to ten days of approval. This delay in getting your money is an unfortunate thing for many. If you are able to receive money that you need urgently, use cash advances available for immediate use. These loans offer an inexpensive way to get your money now without having to wait for a credit check. To put it bluntly, it is small online payday loans no credit check and you can take it today. This type of loan is easier to obtain than a bank loan with a lot of paperwork and time.

Why are these types of loans so popular?

Lenders pay a lot of attention to ensuring that the borrower will be able to pay the repayment. With instant loans, you can pay off your payday money in as little as a few minutes. Online Payday Loans, Banks, and Savings Accounts Online loans are available from a variety of credit unions, small and large businesses, and banks. Online loans generally make it easier to get cash advances approved, but there are a few downsides. They can be expensive if you have a large amount, you need to pay early, they can have high interest rates, and they require more frequent paperwork and security such as ID or a guarantor. If you are considering getting a loan, you can always get a small payday loan online without a credit check and it will always benefit you.

Online Payday Loans, Banks, and Savings Accounts Online loans are available from a variety of credit unions, small and large businesses, and banks. Online loans generally make it easier to get cash advances approved, but there are a few downsides. They can be expensive if you have a large amount, you need to pay early, they can have high interest rates, and they require more frequent paperwork and security such as ID or a guarantor.

But online payday loans offer the opportunity to earn more money as an employer with these online loans. You don’t need to have a perfect work history. Some companies allow employees to pay their payroll taxes online with a credit statement and the government will take care of receiving their pay online. If you find yourself in an emergency situation that requires cash, you may want to consider using a cash advance to get cash quickly if you are $500 short or need to get out. quickly from a bad situation.

Monthly fees may be waived for some borrowers, but the loan is generally expensive. The credit scores that companies use to assess the risk of using these types of loans generally do not have the same precision that is used when reviewing a credit score.

Types of loans

The other way to make money fast is through payday loans and cash advances. In this situation, you have a much more limited time to pay off the debt or withdraw the funds as quickly as possible. The two most common types of payday loans you come across are cash advances and withdrawals. Cash Advance Payday Cash Advance is a quick way to get cash.

This type of loan is often used to collect charges from your credit card account or to pay a loan from an ATM. Usually, cash advances and cash advances are not used for personal purposes, but for the purpose of withdrawing your money quickly. This type of payday loan gives you up to 10% of the loan principal amount at cash advance rates. Many cash advance lenders charge a higher interest rate than you can receive on your credit card. However, the interest rate is usually very low and often less than 5%. Also, you don’t have to worry about checking your credit history, that’s not the case here, where you can get direct lenders without rejection payday loans only and this best way to get cash fast already today.

You won’t have a full credit history before getting a loan. However, instant loans are designed to make it easy for you to pay off debt quickly. The best rate can be made possible with a cash advance loan. Other instant loans Instant loans can be used to make payments on credit cards, student loans or mortgages. You will have an instant interest rate to repay the loan.

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The market for car loan services is booming around the world – Designer Women https://ardud.ro/the-market-for-car-loan-services-is-booming-around-the-world-designer-women/ Fri, 17 Jun 2022 05:38:02 +0000 https://ardud.ro/the-market-for-car-loan-services-is-booming-around-the-world-designer-women/ Proposal Automotive Lending Services Market The report will encompass all qualitative and quantitative aspects including market size, market estimates, growth rates and forecasts and hence will give you a holistic view of the market. The study also includes a detailed analysis of market drivers, restraints, technological advancements, and competitive landscape along with various micro and […]]]>

Proposal Automotive Lending Services Market The report will encompass all qualitative and quantitative aspects including market size, market estimates, growth rates and forecasts and hence will give you a holistic view of the market. The study also includes a detailed analysis of market drivers, restraints, technological advancements, and competitive landscape along with various micro and macro factors influencing the dynamics of the Automotive Lending Services market.

The Automotive Lending Services Market the sample report includes exclusive analysis of the COVID-19 pandemic on the market space under consideration. The sample represents the format of the overall study which is designed to clarify the structure of the Auto Loan Services report and some data points demonstrated with the aim of giving an insight into the quality of the study.

Moreover, the Automotive Lending Services Market A comprehensive research study is designed due to the fact that each segment is individually assessed and then collated to form the entire Automotive Loan Services market, the study can be customized to meet your exact requirements.

Request sample pages from this research study at @marketreports.info/sample/8767/Auto-Loans-Services

The structure of the Automotive Lending Services Market report can be categorized into the following sections:

  • Division 1: Auto Loan Services Report Scope and Research Methodology
  • Division 2: Auto Loan Services Key Takeaways
  • Division 3: Automotive Loan Services Market variables and their impact on growth and analytical tools providing high-level insights into market dynamics and growth pattern
  • Division 4: Automotive Lending Services Market Estimates and Forecasts (with base year 2021, historical information from 2015 and 2020, and forecast from 2022 to 2030). Regional and country level estimates and forecasts for each category which are summarized to form the global Automotive Lending Services Market.
  • Clause 5: Competitive landscape of car loan services. Attributes such as strategic framework, competitor categorization are included to provide elaborate details about Automotive Lending Services market structure and strategic companies along with their impact.

Get Instant Discount @ marketreports.info/discount/8767/Auto-Loans-Services

Leading/Emerging Players in the Automotive Lending Services Market The research includes:

Chase Auto Loan, Alliant Credit Union, Capital One, LendingTree Auto Loan, LightStream, Wells Fargo Auto Loan, RoadLoanscom, US Bank, CarsDirect, Bank of America, CMBC, PingAn, Guazi, UMB Financial Corporation

Market segment by Type, the product can be split into – Online – Offline market segment by Application, split into – New Cars – Used Cars

The Automotive Lending Services Market Company profiles are represented individually for all major participants and indices such as financial performance, strategic initiatives, product portfolio and company overview.

Company presentation:

The overview of the auto loan services company provides information on the location of the company where it is headquartered along with the year established, the number of employees as of 2022, the regions where the company operates and the main business areas.

Financial performance of auto loan services:

The overall revenue of the Automotive Lending Services company/segment for the years 2021, 2020 and 2019 is provided in the subheading Automotive Lending Services (Publicly Traded Companies) along with the analysis and explanation of increase or decrease thereof due to factors such as mergers and acquisitions, profits or losses in any strategic business unit of automotive lending services (SBU) and others.

Auto Lending Services Product Benchmarking:

The product benchmarking includes the complete list of products pertaining to the respective auto loan services market along with the application and key features.

Strategic initiatives:

Information related to new product launches, strategic collaboration, mergers and acquisitions, regulatory approval, and other company developments in the marketplace are covered in the strategic initiatives section.

Order a copy of this Auto Loan Services research study at @marketreports.info/checkout?buynow=8767/Auto-Loans-Services

The Automotive Lending Services Market The research study is designed keeping in mind all the major countries. Although all these countries and their car loan services market trends have been considered while composing it, detailed sections are only available for spearheads. In case you are interested in specific countries that are not covered by the current scope, please share the list and we can customize the study according to the geographical scope you have defined.

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Salisbury Bancorp stock set to split on Friday July 1 (NASDAQ:SAL) https://ardud.ro/salisbury-bancorp-stock-set-to-split-on-friday-july-1-nasdaqsal/ Wed, 15 Jun 2022 05:16:12 +0000 https://ardud.ro/salisbury-bancorp-stock-set-to-split-on-friday-july-1-nasdaqsal/ Shares of Salisbury Bancorp, Inc. (NASDAQ:SAL – Get Rating) are expected to split before market open Friday, July 1. The 2-1 split was announced on Friday July 1. The newly created shares will be delivered to shareholders after market close on Friday, July 1. NASDAQ:SAL opened at $51.68 on Wednesday. The company has a market […]]]>

Shares of Salisbury Bancorp, Inc. (NASDAQ:SAL – Get Rating) are expected to split before market open Friday, July 1. The 2-1 split was announced on Friday July 1. The newly created shares will be delivered to shareholders after market close on Friday, July 1.

NASDAQ:SAL opened at $51.68 on Wednesday. The company has a market capitalization of $149.15 million, a PE ratio of 9.61 and a beta of 0.76. The company has a 50-day simple moving average of $32.10 and a two-hundred-day simple moving average of $28.86. The company has a debt ratio of 0.23, a quick ratio of 0.90 and a current ratio of 0.90. Salisbury Bancorp has a fifty-two week low of $46.13 and a fifty-two week high of $59.90.

Salisbury Bancorp (NASDAQ:SAL – Get Rating) released its quarterly results for the last time on Wednesday April 20. The bank reported earnings per share (EPS) of $0.62 for the quarter, missing analyst consensus estimates of $0.73 per ($0.11). The company posted revenue of $13.40 million for the quarter, versus a consensus estimate of $13.80 million. Salisbury Bancorp had a return on equity of 11.40% and a net margin of 27.34%. Research analysts predict that Salisbury Bancorp will post EPS of 5.61 for the current year.

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The company also recently declared a quarterly dividend, which was paid on Friday, May 27. Shareholders of record on Friday, May 13 received a dividend of $0.16 per share. This represents a dividend of $0.64 on an annualized basis and a dividend yield of 1.24%. The ex-dividend date was Thursday, May 12. Salisbury Bancorp’s payout ratio is 23.79%.

Separately, StockNews.com launched coverage on Salisbury Bancorp in a report on Tuesday. They have set a “holding” rating on the stock.

Separately, Executive Vice President Steven M. Essex sold 700 shares in a trade on Wednesday, June 8. The stock was sold at an average price of $52.12, for a total value of $36,484.00. Following the transaction, the executive vice president now directly owns 500 shares of the company, valued at approximately $26,060. The sale was disclosed in a filing with the SEC, which is available on the SEC’s website. 8.79% of the shares are currently held by company insiders.

Several institutional investors and hedge funds have recently changed their SAL holdings. Morgan Stanley increased its stake in Salisbury Bancorp shares by 2.3% in the second quarter. Morgan Stanley now owns 18,335 shares of the bank worth $932,000 after buying 414 more shares last quarter. Millennium Management LLC bought a new position in Salisbury Bancorp during Q2 worth $438,000. Geode Capital Management LLC increased its stake in Salisbury Bancorp by 6.9% in the third quarter. Geode Capital Management LLC now owns 23,149 shares of the bank valued at $1,215,000 after acquiring 1,491 additional shares last quarter. Royal Bank of Canada increased its stake in Salisbury Bancorp by 1,007.3% during the third quarter. Royal Bank of Canada now owns 1,517 shares of the bank valued at $77,000 after acquiring 1,380 more shares last quarter. Finally, Maltese Capital Management LLC bought a new position in Salisbury Bancorp during Q3 worth $254,000. Institutional investors hold 23.11% of the company’s shares.

Salisbury Bancorp Company Profile (Get an evaluation)

Salisbury Bancorp, Inc operates as a bank holding company for Salisbury Bank and Trust Company which provides commercial banking, consumer finance, retail banking, and trust and wealth advisory services. It offers various deposit products to individuals and businesses. The company also provides loans, such as residential and commercial real estate loans; building loans; working capital loans; equipment loans; and consumer loans, including home equity loans and lines of credit, secured loans, and auto and personal installment loans.

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This instant alert was powered by MarketBeat’s narrative science technology and financial data to provide readers with the fastest and most accurate reports. This story was reviewed by MarketBeat’s editorial team prior to publication. Please send questions or comments about this story to [email protected]

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Banks move to Checkmate mobile networks with payment systems https://ardud.ro/banks-move-to-checkmate-mobile-networks-with-payment-systems/ Mon, 13 Jun 2022 04:39:44 +0000 https://ardud.ro/banks-move-to-checkmate-mobile-networks-with-payment-systems/ By AYOOLA OLAOLUWA A kind of chess game has started between the 25 depository banks (DMB) and financial technology companies (Fintech) operating in the country for control of the country’s payment services system. Traditional banks, it will be recalled, dominated the Nigerian banking space for more than a century with the provision of banking services […]]]>

By AYOOLA OLAOLUWA

A kind of chess game has started between the 25 depository banks (DMB) and financial technology companies (Fintech) operating in the country for control of the country’s payment services system.

Traditional banks, it will be recalled, dominated the Nigerian banking space for more than a century with the provision of banking services such as loans, cash withdrawals and deposits, among other customer services.

However, bank customers still share their bitter experiences while banking, such as long time spent in queues to get money, lack of access to proper products and services, poor customer support , as well as the exorbitant fees imposed on them by their banks.

Among the payment innovations adopted by banks are Vulte from Polaris, First Wallet from FBN, PayGate from Fidelity bank and AccessGate from Access Bank.

“Banks have been slow to respond to customer complaints and aspirations, despite their deep pockets and massive branch presence across the country.

“So it was no surprise to some of us when they got duped by the fintech rampages. With fintech, you don’t have to worry about banking issues. From the comfort of your home, your office or from your store, you can access mobile payments, flexible savings, investments, quick/instant loans and affordable payment channels,” said Demola Turner, IT Manager at a fintech firm in Lagos.

Taking advantage of the gaps and poor services rendered by banks, fintechs have stepped in to fill the gaps, first with the entry of Interswitch into the Nigerian banking sector in 2002.

Interswitch has largely solved the problem of delay in getting money from banking halls with the introduction of automatic teller machines (ATMs) inside and outside bank branches.

About 20 years later, fintechs had totally disrupted traditional banking methods with the creation of smooth and easy financial services and solutions for technology-enabled customers.

Available records indicate that the financial services sector is totally saturated with more than 400 fintechs in fierce competition with traditional banks for control of the loans and payments market.

The entry of mobile network providers has made it more difficult for depository banks still struggling to stave off the onslaught of fintechs that have cornered much of their retail market.

Recently, the Central Bank of Nigeria (CBN) granted final approval for a Payment Service Bank (PSB) license to MTN Nigeria’s fintech subsidiary, MoMo Payment Service Bank (MoMo PSB) Limited and Airtel Nigeria’s SmartCash PSB.

This brings the total to four mobile network providers with PSB licenses, as the CBN had in 2020 granted approval to Globacom’s Money Master and 9Mobile’s 9PSB, as well as a non-GSM company, Unified Payment (Hope PSB) to start payment service banks.

The five PSBs are outside the legions of fintechs that have given traditional banks sleepless nights. The arrival of these 5 PSBs, according to some financial experts, would also pose huge threats to the profitability of DMBs.
However, Business Hallmark’s findings revealed that banks are not just rolling, but reacting to the disruptive threat posed by fintechs.

According to BH’s findings, most banks have adopted innovative technologies and are now offering their customers more customer-centric and digital experiences.

A staff member of one of the largest banks in the country informed our correspondent that his bank had identified some opportunities, especially with the CBN’s inclusive finance program, and seized them.

“A recent report by a media and research data analytics organization, Dataphyte, said a total of N26.17 trillion in transactions took place outside of traditional banking systems in 2021.
“This means there is a huge goldmine to be tapped outside. Already, we had fully embraced the CBN’s plan to target 38 million Nigerian adults (36% of the population) who are financially excluded.

“As you may have noticed, we now have our kiosks and payment points in every nook and corner of major cities and towns across the country. We also have them in rural areas, but not as many as in cities.
“No one can be an island on their own, so we are cooperating with mobile network providers to reach unbanked Nigerians.

“They too need us because most Nigerians do not yet know how to open wallets with businesses to send or withdraw money. Fintechs have the technology and we have the market. What we have now resembles the national grid system where the gencos generate electricity but depend on the transmission company to supply electricity to nightclubs and end users. It will take time, but we will get there,” the bank employee said.

The CBN, BH recalled, had set a target of achieving 95% financial inclusion by 2024 (in 2 years) to boost financial inclusion, especially in rural areas.

Banks also provide enhanced services to their customers through relevant product recommendations and information to help make informed business decisions.

For example, some banks, through cookies and other IT tools that monitor customer activities online, are now able to recognize customers’ urgent wants and needs.

“I once went online to check which solar power system to buy as the power supply in my area is very poor. I saw one of N465,000 (1 kva) which matched my current needs.

“As I have no money at hand, I planned to save for this. However, I was surprised when my bank offered me a consumer loan of N500,000 to buy a solar power system.

“I was shocked and wondered how they had learned that I desperately needed a solar generator. It was about a week later at church when a fellow computer expert told me that all activities are monitored online, even the physical activities of human beings.

“I was baffled by this revelation, especially the claim that customers’ physical activities could be monitored online.

“But he quietly explained that most Nigerians unwittingly put their GPRS (location) online which allows them to be tracked digitally.

“He said that if a customer walked into a phone shop, those watching him would likely conclude that he was looking for phone products. And before he knew it, offers for phone products would begin to flood his phones and computer system/

“Furthermore, a regular customer identified as a business owner via ‘digital bread combs’ will notice that business loan offers, insurance policies, direct vendor payment tools and other relevant products flood their phones and email address,” the IT engineer said.

BH has reliably discovered that most banks currently lack the technology to monitor customers online.

However, the banks, it was learned, had used the services of reliable data and IT companies that collect a lot of first-party data on their customers’ activities outside the bank’s environment.

Some banks, we also learned, benefit from data enrichment. For example, a corps member who recently completed his youth service in Enugu state, told our correspondent that he got a good job in April and was surprised when he received a massage from his bank to upgrade his account to a salary account in another to start enjoying a lot of benefits.

“I was stunned when I received the message, but a colleague of mine who studied computer science in school said that I had to fill in forms when accepting the job offer. Information , he assured me, must have fallen into the hands of my bank,” the new corpsman said.

All commercial banks, the findings revealed, also have digital channels that do not depend on the Internet. These innovative channels include branch banking (POS), SMS and USSD banking.
On the other hand, MarTech platforms based on Terragon’s data deployed by banks have been able to target unbanked consumers, based on their device type, location, interest, power of purchase and others.

Using this device, banks can now engage with their customers via SMS to recommend mobile banking channels, the nearest ATMs or banking agents, and relevant products.
“I think banks have become aware of the challenge posed by fintechs. I rarely enter banking halls these days to do business.
“I recently opened a bank account through the USSD option. The beauty of the option is that it meets the needs of offline customers. You don’t need to have data to do banking business” said Peju Adeyemo, a Lagos State government official.

According to a professional services firm, KPMG, to ward off the threat of fintechs, banks must offer a more customer-oriented and digital experience.

“As organizations respond, we are starting to see patterns that differentiate digital leaders from others; models that are rooted in the experience consumers have through the digital touchpoints they interact with.

“We are seeing accelerated growth, increased engagement and buy-in with players who have intentionally invested in user experience.

“With this in mind, we conducted a series of assessments focusing on the user journey, culminating in the Digital Channels Scorecard for leading retail banks in Africa.

“We have observed that digital leaders are intentional about personalized services, reliability and 24/7 availability of digital channels, and real-time customer service.

“They are relentlessly focused on simplifying user journeys, can onboard customers end-to-end across most channels, and empower customers with strong self-service programs.

“Laggards are still struggling with convoluted and disjointed user journeys, the inability to digitally onboard customers end-to-end, unstable channels and unresponsive contact centers,” says Ademola.

“To achieve these levels of experience maturity, retail banks will need to be more intentional in product design, journey optimization, data analytics and building resilient digital channels,” Boye Ademola said. , partner and head of digital transformation at KPMG.

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Columbia Banking System, Inc. (NASDAQ:COLB) Receives Average Analyst Rating of “Hold” https://ardud.ro/columbia-banking-system-inc-nasdaqcolb-receives-average-analyst-rating-of-hold/ Sat, 11 Jun 2022 10:10:23 +0000 https://ardud.ro/columbia-banking-system-inc-nasdaqcolb-receives-average-analyst-rating-of-hold/ Stocks of Columbia Banking System, Inc. (NASDAQ:COLB – Get Rating) received a consensus “Hold” recommendation from the seven research firms that currently cover the company, MarketBeat Ratings reports. Four investment analysts gave the stock a hold rating and two issued a buy rating for the company. The 12-month average target price among brokers who updated […]]]>

Stocks of Columbia Banking System, Inc. (NASDAQ:COLB – Get Rating) received a consensus “Hold” recommendation from the seven research firms that currently cover the company, MarketBeat Ratings reports. Four investment analysts gave the stock a hold rating and two issued a buy rating for the company. The 12-month average target price among brokers who updated their coverage on the stock in the past year is $35.60.

COLB has been the subject of several research reports. StockNews.com launched coverage on Columbia Banking System in a research note on Thursday, March 31. They set a “hold” rating on the stock. Keefe, Bruyette & Woods launched coverage on Columbia Banking System in a research note on Friday, February 11. They set a “market performance” rating on the stock. Piper Sandler reduced her target price on Columbia Banking System from $35.00 to $31.00 in a Monday, May 2 research note. Royal Bank of Canada raised its target price on Columbia Banking System from $35.00 to $36.00 and gave the stock an “industry performance” rating in a Friday, April 22 research note. Finally, Raymond James lowered his price target on Columbia Banking System from $40.00 to $38.00 and set an “outperform” rating for the stock in a Friday, April 22 research note.

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The NASDAQ COLB opened at $28.39 on Friday. The stock has a market capitalization of $2.23 billion, a PE ratio of 10.14 and a beta of 0.68. Columbia Banking System has a 12-month low of $27.61 and a 12-month high of $42.39. The stock has a fifty-day simple moving average of $29.77 and a 200-day simple moving average of $32.79.

Columbia Banking System (NASDAQ:COLB – Get Rating) last released its quarterly results on Thursday, April 21. The financial services provider reported earnings per share of $0.81 for the quarter, beating analysts’ consensus estimate of $0.66 by $0.15. Columbia Banking System had a return on equity of 9.30% and a net margin of 31.91%. The company posted revenue of $170.38 million in the quarter, compared to $166.09 million expected by analysts. During the same period a year earlier, the company posted EPS of $0.73. The company’s revenue increased by 15.8% compared to the same quarter last year. Analysts expect Columbia Banking System to post EPS of 2.61 for the current fiscal year.

The company also recently declared a quarterly dividend, which was paid on Wednesday, May 18. Shareholders of record on Wednesday, May 4 received a dividend of $0.30. This represents a dividend of $1.20 on an annualized basis and a yield of 4.23%. The ex-dividend date was Tuesday, May 3. Columbia Banking System’s dividend payout ratio is currently 42.86%.

In a similar vein, CFO Aaron James Deer bought 3,000 shares of Columbia Banking System in a trade on Monday, May 2. The shares were purchased at an average price of $28.00 per share, with a total value of $84,000.00. Following the transaction, the CFO now directly owns 15,427 shares of the company, valued at $431,956. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available on the SEC’s website. 0.62% of the shares are held by insiders of the company.

Hedge funds and other institutional investors have recently changed their holdings in the company. Earnest Partners LLC acquired a new stake in shares of Columbia Banking System during Q4 worth approximately $27,000. Covestor Ltd acquired a new stake in shares of Columbia Banking System during Q4 worth approximately $28,000. Meeder Asset Management Inc. acquired a new stake in shares of Columbia Banking System during Q1 worth approximately $41,000. Neo Ivy Capital Management acquired a new stake in shares of Columbia Banking System during Q4 for a value of approximately $56,000. Finally, Pinebridge Investments LP acquired a new stake in shares of Columbia Banking System during Q4 worth approximately $69,000. 94.44% of the shares are currently held by institutional investors and hedge funds.

About the Columbia Banking System (Get a rating)

Columbia Banking System, Inc operates as a banking holding company for Columbia State Bank which provides a range of banking services to small and medium-sized businesses, professionals and individuals in the United States. It offers personal banking products and services, including interest-free and interest-bearing checks, savings accounts, money market and certificates of deposit; home mortgages for purchases and refinances, home equity loans and lines of credit and other personal loans; debit and credit cards; and digital banking.

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Analyst Recommendations for Columbia Banking System (NASDAQ:COLB)

This instant alert was powered by MarketBeat’s narrative science technology and financial data to provide readers with the fastest and most accurate reports. This story was reviewed by MarketBeat’s editorial team prior to publication. Please send questions or comments about this story to [email protected]

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How to Increase Your Chances of Getting Approved for a Personal Loan https://ardud.ro/how-to-increase-your-chances-of-getting-approved-for-a-personal-loan/ Thu, 09 Jun 2022 14:04:23 +0000 https://ardud.ro/how-to-increase-your-chances-of-getting-approved-for-a-personal-loan/ Personal loans are unsecured loans and are expensive. So, avoid these high interest rate loans unless absolutely necessary. However, without any collateral securing a personal loan is a difficult task as many eligibility conditions must be met to obtain a sanctioned loan. “An instant loan helps individuals meet their financial needs. Such a loan is […]]]>

Personal loans are unsecured loans and are expensive. So, avoid these high interest rate loans unless absolutely necessary.

However, without any collateral securing a personal loan is a difficult task as many eligibility conditions must be met to obtain a sanctioned loan.

“An instant loan helps individuals meet their financial needs. Such a loan is useful if you have unexpected expenses to settle, especially in the short or medium term,” says Rohit Garg, CEO and co-founder of SmartCoin.

Garg lists the following 5 tips to improve your chances of getting that loan application approved:

1, Lower your debt to income ratio

Be sure to pay off your existing debts and credit card bills to reduce your debt-to-equity ratio before applying for a personal loan. Preferably, the total amount of EMIs you are required to pay each month should not exceed 30-40% of your monthly income.

2. Improve your CIBIL score

You must also have a commendable CIBIL score for any instant loan application to be sanctioned. A credit score is a 3-digit number that reflects your creditworthiness with the lender and helps assess your risk of default. It highlights how you have managed your finances and bills in the past. The lower the score, the more chances you have of earning a lot on your loan application and vice versa. Most lenders in the country depend on the CIBIL score, which ranges between 300 and 900. A credit score above 725 is considered a desirable score.

3. Include all sources of income

Lenders like to see an applicant’s total income to gauge their ability to repay. Therefore, when filling the online loan application form, it is recommended to include not only your regular salary but also additional sources of income such as rental income, part-time income, etc.

4. Don’t apply for multiple loans at once

If you apply for many loans at once, all lenders are likely to launch several serious inquiries into your credit file. This will automatically reduce your credit score. Since you may appear to be an insatiable borrower, your loan application may also be rejected. Therefore, it is best to apply for the one that best suits your needs and personal loan eligibility after comparing all available options.

5. Select a lender with eligibility criteria you can meet

Check the different eligibility requirements of different lenders and choose the one whose eligibility criteria you can meet, instead of applying to multiple lenders simultaneously only to learn that you are not eligible for all of them.

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