long term
PENNS WOODS BANCORP INC MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL POSITION AND RESULTS OF OPERATIONS (Form 10-K)
RESULTS OF OPERATIONS NET INTEREST INCOME Net interest income is determined by calculating the difference between the yields earned on interest-earning assets and the rates paid on interest-bearing liabilities. To compare the tax-exempt asset yields to taxable yields, amounts are adjusted to taxable equivalents based on the marginal corporate federal tax rate of 21%. The …
“The Marvelous Mrs. Maisel” and her anti-apology
When my son was very small, he never wanted to watch scripted TV shows, movies, or read fiction books. As his mother is a novelist, it was overwhelming. Eventually, he taught me that at the time, he didn’t like conflict: the cornerstone of most stories. He didn’t like when characters got into trouble, as Pete’s …
REGIONAL MANAGEMENT CORP. MANAGEMENT REPORT ON FINANCIAL POSITION AND RESULTS OF OPERATIONS. (Form 10-K)
The following discussion and analysis should be read in conjunction with, and is qualified in its entirety by reference to, our audited consolidated financial statements and the related notes that appear in Part II, Item 8, “Financial Statements and Supplementary Data” in this Annual Report on Form 10-K. These discussions contain forward-looking statements that reflect …
Should I use a personal loan to pay my tax bill?
Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own. Taking out a personal loan to pay …
It’s been, surprisingly, almost thirty years. . .
The intensive Arabic program I ran in 1993 was based at BYU’s Center for Near Eastern Studies in Jerusalem, which is actually located in Arab East Jerusalem. So while being based in Jerusalem was not always ideal for an Arabic language program – the politics of the time eliminated alternatives – it was not as …
5 undervalued stocks to buy before March
2022 has started on a low note for the US stock market. All three major equity indices have posted losses since the start of the year, and Nasdaq underperformed by 10%. Finding undervalued stocks in a broader stock market that is still near all-time highs seems like a difficult task. The world is waiting for …
Monday will be NJ’s ‘deep freeze’ 14th day of the winter season
The essential Sunday’s super snow forecast did not go as planned. At all. The forecast timing, temperatures and totals were way off as moderate snow was seen in northern and parts of central New Jersey. It’s a winter storm that I’m more than happy to put in the rearview mirror. Temperatures are still dropping with …
Startup Meld partners with banks to lend dollars against crypto
A few years ago, Ken Olling started seeing more of his friends investing most of their salaries in cryptocurrency. “It got to the point where when I went out with my friends, they all had seven-figure wallets, but I was the one buying dinner,” said Olling, co-founder and CEO of cryptocurrency Meld. loan startup which …
Western Funding Enjoys Record 2021 and Looks to Continue Growth in 2022 | Business
LAS VEGAS–(BUSINESS WIRE)–January 31, 2022– Western Funding Inc. (WFI), a subsidiary of Westlake Technology Holdings, announces record growth in portfolio payments, loan portfolio, loans originated and dealer-producers for 2021. Throughout 2021, WFI demonstrated clear successes: $3.5 million in wallet payments to over 200 participating dealers 100% adoption of electronic contracts 52% year-on-year growth in its …
5 ways climate change is increasing the threat of tsunamis, from collapsing ice shelves to rising sea levels: The Tribune India
Perth, January 24 The huge eruption of Tonga’s submarine volcano, Hunga Tonga-Hunga Ha’apai, triggered a tsunami that reached countries around the Pacific Rim, even causing a disastrous oil spill along 21 beaches in Peru. In Tonga, waves about 2 meters high were recorded before the sea level gauge failed, and waves of up to 15m …
Brazen Ending Explained: Who Killed Kathleen
Netflix’s new mystery thriller Cheeky features Alyssa Milano trying to find her sister’s killer, which leads to her going to great lengths to catch the killer in the end. One of the Netflix movies of January 2022, Cheeky comes from director Monika Mitchell as an adaptation of the novel Brazen Virtue by New York Times …
M&T Bank Corporation – Consensus indicates potential rise of 7.2%
M&T banking company with ticker code (MTB) now have 17 analysts covering the stock. Analyst consensus indicates a “Buy” rating. The range between the high target price and the low target price is between 201 and 158.65 by calculating the average target price that we have 177.21. With the stock’s previous close at 165.29, that …
10 Amazing American Campgrounds Beloved by RVs (2021)
Road travel has increased dramatically when other forms of traditional travel were not an option due to the pandemic. Millions of households have taken to camping and discovered what many of us have known for a long time. Camping is for everyone, young and old. It’s a wonderful way to connect with family, create memories, …
Mars choppers and RNA jabs: the best scientific breakthroughs of 2021 | Science
With all the disturbing news that has emerged from the fields of health and science this year, some of the incredible advancements that have occurred have perhaps been overlooked. But there have been many weird and wonderful feats in the world of research. Life-saving tests, treatments and vaccines have been developed and deployed – including …
Do you have the right credit card or loan for your financial situation?
Many people know the importance of establishing and developing credit and using it wisely, so they have Well credit. While there are plenty of tips and resources to learn how to manage credit, reduce debt, and increase scores, the types of credit available to them that are best suited to their needs can sometimes be …
The day – “Buy now, pay later” arrives just in time for the holidays
San Francisco – As Americans shop for the holidays, they’ll likely see a swarm of offers to get their freebies now, but pay for them later in fixed monthly installments. Powered by several hot Silicon Valley startups as well as major credit card companies, “buy now, pay later” is now available for the purchase of …
Acoustics and air bubbles could help researchers monitor melting glaciers
Image credits: Hari Vishnu. As temperatures continue to rise, glaciers continue to melt – it’s a given. However, tracking exactly how and when glaciers melt is a whole new problem, and it has been a difficult one for years. But a team of researchers may have a solution. Hari Vishnu, from the National University of …
Revenue from Buy Now, Pay Later plans increased 21% on Cyber Monday compared to 2020
Revenue for Cyber Monday “buy now, pay later” plans increased 21% from a year ago, according to an analysis of the Adobe Digital Economy Index. Thousands of retailers often offer this payment option which allows shoppers to pay for their purchases in installments, and more and more American consumers seem to be taking advantage of …
Nicholas Financial closes new $ 175 million senior secured credit facility
CLEARWATER, Fla., Nov. 8, 2021 (GLOBE NEWSWIRE) – Nicholas Financial, Inc. (NASDAQ: NICK) – a leading branch-based subprime auto lender focused on meeting the needs of the local independent dealer – announced that On November 5, 2021, the Company entered into a senior secured credit facility under a loan and guarantee agreement with Wells Fargo …
Tompkins Financial Corporation – Consensus indicates downside potential of -0.9%
Tompkins Financial Corporation found using ticker (TMP) now have 2 analysts covering the stock with the consensus suggesting a rating of “Hold”. The target price is between 83 and 80, with the average target price being 81.5. Given that the previous close for shares was at 82.24, this would imply a potential decline of -0.9%. …
Where can you use Buy Now Pay Later loans?
Select’s editorial team works independently to review financial products and write articles that our readers will find useful. We may receive a commission when you click on product links from our affiliate partners. Imagine this situation: you can’t wait to experience an expensive new restaurant, but you know you don’t have enough money to cover …
M&T Bank Corporation – Consensus indicates potential rise of 12.7%
M&T banking company found using ticker (MTB) now have 17 total analysts covering the stock. The consensus rating is “Buy”. The target price is between 201 and 150, with the average target price being 168.11. Since the previous close of shares was at 149.23, this now indicates that there is a potential upside of 12.7%. …
Focus on consumer credit: Stakeholders say consumer credit financing can boost sales tenfold
Home New Consumer Credit Focus: Stakeholders Say Consumer Credit Financing Can Boost Sales – Oct 2021 By Jennifer Bardoner The ‘buy now, pay later’ model has been shown to boost ticket sales, but the flooring industry has been slow to adopt financing programs that allow customers to share their purchasing costs. in manageable monthly payments. …
‘Buy now, pay later’ threatens vacation shoppers, retailers – here’s why
Editor’s Note: Joshira Maduro is a research analyst at Charlotte-based LendingTree. CHARLOTTE – Modern layoff has a time. Companies that allow shoppers to purchase items online on installment plans – known as “buy now, pay later” – are some of the hottest companies in the tech world, and small businesses are taking note. In August, …
Fintech Upgrade to launch buy now, pay later for the product
Upgrade CEO Renaud Laplanche speaks at a conference in Brooklyn, New York, in 2018. Alex Flynn | Bloomberg via Getty Images US fintech startup Upgrade is poised to enter the increasingly crowded buy now, pay later market. Upgrade, which was founded by former LendingClub boss Renaud Laplanche in 2016, is a digital banking start-up that …
3 stocks we buy on this wild September market
The stock market was on a bumpy ride in September. At one point on Monday, the Dow Jones Industrial Index fell more than 900 points, but on Friday morning it traded more than 300 points higher than at the start of the week. This volatility makes many traders nervous, but it offers opportunistic investors a …
OP-ED: Access to finance, a right
The business needs financing that comes from owners as capital and lenders as loans Which one takes place at the first stage – financing or collection? The answer is the same as for the old problems – egg or chicken. Businesses need financing that comes from homeowners in the form of capital and lenders in …
Home loan: should you repay it or invest if you have a lump sum?
Home loans are generally less expensive than other loans, and repayment terms typically vary from 15 to 20 years. Since buying a home requires a large amount of money, very few people can buy one with the full down payment, and most homebuyers need to take out a home loan. There are also some advantages …
HIGH CREDIT: Management report and analysis of financial position and operating results (Form 10-Q)
The following Management’s Discussion and Analysis of Financial Condition and Results of Operations (“MD&A”) is intended to help the reader understand our business, our results of operations and our financial condition. The MD&A is provided as a supplement to, and should be read in conjunction with our unaudited condensed consolidated financial statements and the related …
JPMorgan’s Path to Financial Inclusion
“Who inspires you? Is a question often asked of key leaders, especially those whose mission is to reshape company standards and re-commit company resources to support them. For Brian Lamb, Global Head of Diversity, Equity and Inclusion at JP Morgan, it’s his father. “If I think back to my family, my father was a schoolteacher …