Jordan Sale – Troy Delta Chi http://troydeltachi.org/ Thu, 24 Nov 2022 04:41:04 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://troydeltachi.org/wp-content/uploads/2021/07/icon-1-70x70.png Jordan Sale – Troy Delta Chi http://troydeltachi.org/ 32 32 ECB’s Centeno sees more consolidation in Portuguese banking sector https://troydeltachi.org/ecbs-centeno-sees-more-consolidation-in-portuguese-banking-sector/ Wed, 23 Nov 2022 19:48:00 +0000 https://troydeltachi.org/ecbs-centeno-sees-more-consolidation-in-portuguese-banking-sector/ LISBON, Nov 23 (Reuters) – Further consolidation in Portugal’s banking sector is inevitable, Mario Centeno, a member of the European Central Bank, told Reuters on Wednesday, calling recent progress by the country’s banks as “remarkable”. capital strengthening and risk reduction. Analysts said Portuguese banks should bet on M&A deals to secure better terms of competition, […]]]>

LISBON, Nov 23 (Reuters) – Further consolidation in Portugal’s banking sector is inevitable, Mario Centeno, a member of the European Central Bank, told Reuters on Wednesday, calling recent progress by the country’s banks as “remarkable”. capital strengthening and risk reduction.

Analysts said Portuguese banks should bet on M&A deals to secure better terms of competition, despite the five biggest players holding 80-85% of banking assets.

Centeno said the system had made “remarkable progress” in recent years as banks strengthened their capital and improved their risk profiles, while non-performing loans (NPLs) fell to levels nearly in line with the European average. .

“After this strengthening, the consolidation of the banking system (in Portugal) and the strengthening of its institutions are absolutely crucial and it is inevitable that the system, the market, will face it,” said Centeno, who is also governor of the Bank. from Portugal. said in an interview.

While the COVID-19 pandemic and the current crisis had delayed this process, “we will do it, as always, with great tranquility”, he added.

Portuguese banks are still marked by a debt crisis and a surge in NPLs after the 2010-13 recession. They have since reduced NPLs to a total of 11.4 billion euros ($11.85 billion) in June 2022, from a peak of 50 billion euros in June 2016, according to the latest data from the Bank of Portugal.

The NPL ratio for Portuguese lenders was 3.4% of total credit in June, down from 17.9% in mid-2016.

“Although I’m very happy with the development…there’s no point in resting, we have to challenge ourselves,” Centeno said.

“It is important that this maturation takes place with a continuous strengthening of the institutions in their size, their capitalization and above all in their ability to respond to the challenges of digitalization, climate action, because all of this goes through the balance sheets of the banks. “

The largest bank is the state-owned Caixa Geral de Depositos; followed by Millennium bcp (BCP.LS); SantanderPortugal; Novo Banco, spun off from the collapse of Banco Espirito Santo in 2014 and controlled by US private equity fund Lone Star; and BPI, owned by Spain’s CaixaBank (CABK.MC).

($1 = 0.9623 euros)

Reporting by Sergio Goncalves and Andrei Khalip; Editing by David Latona and Leslie Adler

Our standards: The Thomson Reuters Trust Principles.

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Key Debt Relief Details https://troydeltachi.org/key-debt-relief-details/ Mon, 21 Nov 2022 14:56:38 +0000 https://troydeltachi.org/key-debt-relief-details/ You have lost control of your debts and see no way to pay them off on your own. So you’re thinking about going the debt relief route, which is a way for you to settle with your creditors and start afresh. Beyond that, you’re a little fuzzy on the details. To help you, here are […]]]>

You have lost control of your debts and see no way to pay them off on your own. So you’re thinking about going the debt relief route, which is a way for you to settle with your creditors and start afresh. Beyond that, you’re a little fuzzy on the details. To help you, here are the main debt relief details you should know.

What is Debt Relief?

Also known as debt settlement, debt relief involves you hiring a company such as Freedom Debt Relief who specializes in negotiating with creditors to come up with a sum less than what you owe so that your debts are marked as “settled”. Why would creditors settle for less? Well, they understand that if they say no, you might go broke, in which case they might get nada.

Now you can, in fact, pursue debt relief yourself. However, it is usually easier and faster to seek the services of a professional debt relief company. This is what we focus on here. Also note that debt consolidation in California — and elsewhere, for that matter — doesn’t really work if you have bad credit or a high debt-to-income ratio.

How Debt Relief Works

You will have a consultation with a company representative who will assess your situation and come up with a plan just for you. Then the funds that would normally go directly to your creditors each month will instead be deposited into a special savings account.

Once you have saved enough, your negotiators will attempt to reach an agreement with each of your creditors that will allow you to make a single payment in full to settle your obligation. You will be asked to sign each agreement, so there will be no surprises. Once you do, the creditor will be paid from the savings account and the debt relief company will receive their fees. Freedom Debt Relief, for example, charges 15-25% of the amount you save.

Note that debt relief companies deal with unsecured debt, which is not tied to collateral. If a secured debt is past due, lenders can simply sell the affected asset to recoup their investment. So, usually, debt relief usually involves credit cards, personal loans, and medical bills. Debt consolidation in California, or elsewhere, may be an option, but only if credit scores are there for a lower rate.

You must also be significantly behind on your bills for a lender to consider a settlement offer. In other words, if you’re up to date, or maybe late with a payment, your offer probably won’t fly. Also, many debt relief agencies require a certain minimum amount of debt before taking your case.

Possible Disadvantages of Debt Relief

Note that you will be asked to save money instead of paying creditors directly. This will lead to collection calls and a substantial drop in your credit scores. However, you are probably already receiving such calls and your credit scores at this point have seen better days.

Once you’ve settled your debts — in about two to four years — you can start rebuilding your credit. If you were to make minimum payments on your debts, it would take years, if not decades, to clear your balances.

There is also a small chance that a creditor will reject your offer. If this is the case and your other creditors agree with the settlements, you can deal with that creditor yourself as you see fit.

Also, the Internal Revenue Service may consider your canceled debts as income. Talk to your tax professional about this before agreeing to the settlements.

So these are key debt relief details that you need to know to help you solidify your position. Although the strategy is not for everyone, it has certainly helped dozens of people regain their financial balance.

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Is consolidation on the cards for Air India https://troydeltachi.org/is-consolidation-on-the-cards-for-air-india/ Fri, 18 Nov 2022 08:42:50 +0000 https://troydeltachi.org/is-consolidation-on-the-cards-for-air-india/ Is Air India preparing for an overhaul and possible consolidation under Tata? Will all existing brands like Vistara (TATA: SIA JV), Air Asia, Air India Express and Air India operate as a single entity? Although there is no official confirmation, snippets of news from Air India have led to strong speculation in the market regarding […]]]>

Is Air India preparing for an overhaul and possible consolidation under Tata? Will all existing brands like Vistara (TATA: SIA JV), Air Asia, Air India Express and Air India operate as a single entity?

Although there is no official confirmation, snippets of news from Air India have led to strong speculation in the market regarding a unified Air India brand under the Tata Group rather than separate entities with separate various participations of the Tata group.

Tata owns four airline brands – Air India and another full-service carrier Vistara, as well as low-cost carriers Air India Express and AirAsia India. Earlier this month, Air India announced that it was buying the local AirAsia business and merging it with Air India Express into a single low-cost carrier. This consolidation will likely take place by the end of 2023.

This has spurred market speculation that Tata Group is considering a plan to integrate its four airline brands under Air India.

An October 13 exchange filing said the talks “aim to deepen the existing partnership between SIA and Tata, and could include a potential integration of Vistara and Air India.”

Market buzz is also ripe with speculation that Air India is preparing to order up to 300 narrow-body jets, a deal that would be one of the largest orders in commercial aviation history. Air India Chief Executive Campbell Wilson said last month the airline would triple its fleet of 113 planes over five years, with a “significant” increase in narrowbody and widebody planes.

Air India is also in talks to raise at least $1 billion in a funding round that could value the carrier at around $5 billion, other people familiar with the matter said in late September. The airline plans to add 25 Airbus SEs and five Boeing Co. planes from lessors from December.

Tata was selected as the winning bidder for Air India in October last year after beating rival suitors with a $2.4 billion bid. The deal marked the country’s highest-profile privatization under Prime Minister Narendra Modi, ending decades of attempts to offload the loss-making and indebted carrier that has survived thanks to years of taxpayer bailouts.


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“I can’t afford to pay my credit card bill this month” https://troydeltachi.org/i-cant-afford-to-pay-my-credit-card-bill-this-month/ Wed, 16 Nov 2022 05:00:26 +0000 https://troydeltachi.org/i-cant-afford-to-pay-my-credit-card-bill-this-month/ I was recently inundated with calls from my credit card provider, offering me a higher limit on my card. Although I initially ignored the calls and the unsolicited credit limit increase, I was tempted by the offer and eventually accepted it. I went on a spending spree to take advantage of the higher credit limit […]]]>

I was recently inundated with calls from my credit card provider, offering me a higher limit on my card.

Although I initially ignored the calls and the unsolicited credit limit increase, I was tempted by the offer and eventually accepted it.

I went on a spending spree to take advantage of the higher credit limit on my card. My new card limit is Dh50,000 ($13,614), an increase from Dh30,000.

Previously, I was guilty of only paying the minimum amount on my credit card balance, which affected my credit rating.

Even though I jumped on the offer and gave in to the temptation to spend, I now feel guilty and worried because I don’t know how to repay the debt.

This month, my credit card bill is almost 20,000 Dh, while my monthly salary is only 12,000 Dh. I don’t know how to pay my credit card balance.

Shouldn’t banks be more careful about who they offer higher credit limits to? Do they not do their due diligence and have access to my credit rating with the Al Etihad credit bureau?

Going forward, what factors should I consider before accepting a higher credit limit from a lender—and how can I pay off my current balance? PB, Dubai

Debt Speaker 1: R Sivaram, Executive Vice President and Head of Retail Banking Products at Emirates NBD

It is very important for you to take stock not only of your current financial situation, but also of your life choices.

If your credit card spending is out of control, monthly payments and accrued interest can also increase and lead to potential financial problems if you fail to pay off the card each month.

A bank would normally look at your income, credit score, and customer history before deciding to offer you a credit limit increase.

A bank can also do this if you are a good customer who pays your bills on time and uses the card responsibly.

If I understood correctly, the bank asked for your consent before increasing your credit limit.

You had a choice to accept it and get a higher limit or decline it and keep your limit where it was. Depending on their needs, some customers choose to accept such an increase, while others refuse it.

This should be done taking into account your future spending needs, your ability to repay, and your ability to save for yourself in addition to your credit card repayments.

However, if your debt is weighing you down, a credit limit increase may not be in your best interest. If you live paycheck to paycheck and use the credit to cover day-to-day expenses, a higher limit means you’ll take on more debt.

One thing you can do right away is talk to your bank and share all the details of your financial situation.

Based on your proactive approach, your bank might be willing to look into the situation and possibly consolidate your outstanding debt into an installment plan or personal loan with a lower interest rate and longer payment term.

Ideally, you should be looking for a low monthly repayment over a longer period, which will give you flexibility while hopefully avoiding having to borrow again.

When approaching your bank for a loan consolidation, you need to have a clear plan detailing your income and expenses – this will help you be clear about how you propose to repay your loans and get out of debt.

It’s also important to work out a budget plan and set a monthly limit on your discretionary spending outside of essentials like groceries, utilities, tuition, and the like. Try to get into the habit of setting aside a percentage of your income as savings to help out on “rainy days”.

Debt 2 Panelist: Jaya Ratnani, Managing Partner at Freed Financial Services

It is important that you understand how to use a financial product responsibly, as it can lead to unwanted repercussions.

Your debt ratio is a factor used by banks in the UAE to calculate your eligibility.

The central bank says your DBR ratio cannot exceed 50%. When approving credit cards, only 5% of the credit limit is taken into account to calculate your DBR.

So, if your salary is 12,000 Dh and you have no other loans, the bank has provided you with a limit of 50,000 Dh. This means that the minimum payment will be 2,500 Dh per month, which is within approved standards.

Paying only the minimum amount each month is a common practice for many cardholders.

However, keep in mind that this can also lead to continued debt growth due to compound interest. This leads to the threat of falling into a spiral of debt.

One option would be to take out a personal loan from the bank where your salary is transferred and use the funds to pay off the credit card in full.

A loan will carry a much lower interest rate than your credit card. If you’re worried about monthly payments, you can apply for a term extension and reduce the payments to an amount you can afford.

I recommend that you cancel the credit card immediately or make sure to reduce the limit to an amount you only need in an emergency.

It’s also a good idea to manage your expenses and budget to make sure you can allocate enough to pay your monthly payments.

Debt 3 Panelist: Alison Soltani, Founder of Leap savvy savers

Credit cards can serve as useful financial tools when used wisely. Problems arise when we overspend and are unable to repay the balance.

Interest, which averages over 30% per year on credit card balances and accrues daily, and late fees can sometimes mean that the balance continues to grow despite efforts to repay it.

It’s true that banks use your credit score and income to assess your credit eligibility and determine your credit limit.

It should be noted that credit cards are a product offered by banks to accumulate profits – your debt will increase their income, so they are motivated to increase credit limits for customers.

Alison Soltani, Founder of Leap Savvy Savers

However, it should be noted that credit cards are a product offered by banks to accumulate profits – your debt will increase their income, so they are motivated to increase credit limits for customers.

To meet your current bill, first calculate your savings rate, which is your total income minus your monthly expenses.

This gives you an idea of ​​how much disposable income you need to spend on debt.

Make a plan to pay off the debt using an online debt repayment calculator. You will need your interest rate and balance and you can insert monthly contributions. The calculator will calculate the number of months it will take you to pay off the balance.

If your savings rate is low, write down all your expenses and categorize them into “needs” and “wants”.

Starting with the list of wants, decide which expenses you can cut or reduce while paying off the debt.

You can try a savings challenge or a no-spend challenge to motivate you to reduce your spending. Avoid using a credit card while paying off your debt.

For the future, build an emergency fund of at least three to six months of expenses.

This can be kept in a separate savings account and used for emergencies.

If you’re starting to use a credit card again, you can try paying it off weekly and setting a spending limit for yourself each month.

Track your spending and once you’ve reached your limit, lock your card up or give it to a trusted friend or partner to keep safe until the next statement period begins .

You can start saving money each month in an account and call it “play money”.

This is the account you can dip into without guilt when you feel the temptation to spend money. Having savings keeps you from going into debt when the opportunity to spend extra money arises.

Finally, consider the circumstances that led you to spend too much in the first place.

Common spending triggers include emotions such as boredom, stress, happiness, guilt, a coping mechanism for certain life events, or a childhood experience with money.

Finding more effective ways to address the root cause of triggers can help reduce impulse spending in the long run.

The Debt Panel is a weekly column to help readers manage their debts more effectively. If you have a question for the panel, write to pf@thenational.ae

Updated: November 16, 2022, 5:00 a.m.

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Chambley talks consolidation at GVACC event – Valley Times-News https://troydeltachi.org/chambley-talks-consolidation-at-gvacc-event-valley-times-news/ Fri, 11 Nov 2022 14:06:03 +0000 https://troydeltachi.org/chambley-talks-consolidation-at-gvacc-event-valley-times-news/ Chambley talks consolidation at GVACC event Posted at 9:00 a.m. on Friday, November 11, 2022 School District Superintendent Casey Chambley spoke at the Chambers County School District’s first luncheon since the pandemic hosted by the Greater Valley Area Chamber of Commerce. As the keynote speaker, Chambley discussed the county’s high school consolidation and answered questions […]]]>

Chambley talks consolidation at GVACC event

Posted at 9:00 a.m. on Friday, November 11, 2022

School District Superintendent Casey Chambley spoke at the Chambers County School District’s first luncheon since the pandemic hosted by the Greater Valley Area Chamber of Commerce. As the keynote speaker, Chambley discussed the county’s high school consolidation and answered questions about next steps.

This comes after the school board decided to build the new combined school building that will serve Valley and LaFayette High students in Valley.

According to Chambley, the school board hopes to move into the new building by the 2025-2026 school year. During his speech, he said the school board had hired an Atlanta-based architectural firm called Cooper Carry to advance the building’s schematics.

“They got an order to do some site surveys and looking at different things on the site,” Chambley said. “So they are advancing, that the schematics should now be finished in December. We should be moving forward with other design aspects in January-February.

The school district and Cooper Carry will is hosting an open house on November 17 at the Valley Community Center. The purpose of the meeting is to get community feedback on details such as the school’s new colors, mascot, name, and architectural design. Tables will be set up and citizens will bring a passport to each table to give their opinion.

Chambley said the event will be an opportunity to get to know your community.

The superintendent added that many citizens have asked why there won’t be a similar event in LaFayette.

According to Chambley, the school board needed to find a neutral building that could accommodate everyone, and there was no place in LaFayette that could accommodate them.

“One of the reasons is that if we combine, we have to get to where we stop having separate meetings,” Chambley said at the event. “We didn’t want to do it in any of our high school gymnasiums. We thought there would be too much emotional connection there to hold this event at these facilities.

Chambley said he met with bond agents on Tuesday to secure financing. According to Chambley, when he met the bond agents last year, he could have borrowed $70 million with a debt payment of $2.5 million. Now, as interest rates rise, the payment on the $70 million will be $5 million.

“I tried to get our council to borrow the money last year to move forward and secure the funds,” Chambley said. “I could have borrowed $70 million last year, put the $70 million in the bank, had it in CDs or other interest-earning things and made money to pay the interest even though we weren’t using the money.”

In response to a question from attendees, Chambley said that from now on, the first schematic designs will have the new building at 170,000-190,000 square feet. This means that the building will have a capacity of around 1200 students, depending on what happened with career technology.

“We expect some growth because there is some growth in Chambers County if you look at the census. It’s just growth in some areas,” Chambley said. “We think there’s going to be growth, but it’s developing more on the valley side.”

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How to Use the Debt Lasso Method to Pay Off Debt Faster https://troydeltachi.org/how-to-use-the-debt-lasso-method-to-pay-off-debt-faster/ Thu, 10 Nov 2022 18:00:15 +0000 https://troydeltachi.org/how-to-use-the-debt-lasso-method-to-pay-off-debt-faster/ Ready to grapple with that credit card debt? If the debt avalanche and snowball methods leave you a little cold when you think about all the interest you’ll end up paying, consider the debt lasso method. Developed by David Auten and John Schneider, the Debt Lasso Method involves consolidating your high-interest debt into low-interest debt […]]]>

Ready to grapple with that credit card debt?

If the debt avalanche and snowball methods leave you a little cold when you think about all the interest you’ll end up paying, consider the debt lasso method.

Developed by David Auten and John Schneider, the Debt Lasso Method involves consolidating your high-interest debt into low-interest debt so you can pay off the principal balance faster and for less money.

You want to know more ? Auten and Schneider told us all about the debt lasso, including who it can help the most — and who shouldn’t use it.

What is the debt lasso method?

If you’ve read about other debt repayment methods, you might be wondering if the lasso method is just a balance transfer. Auten and Schneider often ask themselves this question.

“The reality is that a central part of the process is to do some sort of consolidation – whether it’s a balance transfer to a zero-rate credit card or a low-interest loan “, said Auten. “But a lot of people forget about those first two plays and the last two plays.”

We’ll look at all the pieces, but first decide if the debt lasso method can help you.

Related

What is a balance transfer credit card and how do they work

Who Should Use the Debt Lasso?

To determine if the debt lasso method is right for you, start by adding up the amount you owe in credit card debt. Then compare this total debt to your annual income. If your debt is less than half your income, the lasso method might be right for you.

So if you have $15,000 in credit card debt and your gross income (before taxes and other deductions) is $30,000, you’re a good candidate for the debt lasso. But if you have $65,000 in credit card debt on the same salary, you might want to seek other help to help pay off your credit card debt.

Pro tip

Although it can be tempting to pay every penny for your debt, don’t empty your emergency fund when you practice the lasso method.

You also might not qualify for the lasso if you can realistically pay off your credit card debt in six months, as the associated fees (usually 3% to 5% of the transferred amount) could cost you more than you’d save. . taking advantage of a lower interest rate.

But if you fall somewhere in between, the lasso could help you pay off your debts in less time and with less interest.

How the Debt Lasso Method Works

This portrait shows a gay couple sitting on a couch together in the mountains after getting married.

Ready to go into the sunset without debt? Whoa there, sorry. Remember: you must follow each step.

1. Commit

You cannot successfully use the debt lasso method unless you are willing to commit.

Auten and Schneider should know: They started their own lasso journey with $51,000 in credit card debt. After years of poor financial choices, the couple were sitting on the floor of their basement apartment when they realized their debt would never allow them to buy a home or enjoy life like their friends.

“It was our lowest moment, realizing that we were here in this financial, literal hole,” Schneider said.

So they’ve made a two-part commitment – which you’ll also need to make if you want to use the debt lasso method:

  1. Stop using your credit cards. No exceptions.

  2. Decide on an amount greater than your total minimum monthly payments that you can reliably apply to your debt each month.

Committing to the process is key, Auten and Schneider said, because it helps you later when you may be tempted to stray off course.

2. Cut

Start with the easy wins by paying off all credit cards with balances low enough to be eliminated in less than six months.

Winning early not only provides a psychological advantage, but also helps your credit score.

Maintaining these lines of credit will reduce your use of credit, which accounts for about 30% of your credit score. And the higher your credit score, the better off you’ll be when you’re ready to lasso.

Check out these 10 moves to skyrocket your credit score.

3. Lasso

It’s time to saddle up.

If you have a good or excellent credit score, your goal should be to find a zero rate offer – aka 0% intro APR – where you can transfer your highest interest credit card debt.

We’ve found the best 0% APR credit cards.

But if you have a less than stellar credit score, these offers can be hard to come by. Do not abandon.

You can still benefit from the lasso method by negotiating a lower interest rate with your current credit card company or transferring the balance to a card with a significantly lower interest rate than you are currently paying.

“To get you from 20% to 25% to 9% to 15% is a great first step,” Schneider said.

And don’t limit yourself to credit card offers. Using a personal loan to pay off multiple cards has the same effect.

Compared to the average credit card rate, which was 18.43% in August 2022, personal loans offered a better deal at 10.16%, according to the Federal Reserve.

Whichever offer you accept, transfer or pay off as many balances as possible using your lowest interest rate.

If you still have higher interest balances, prioritize paying off the credit card with the highest interest rate first.

Each time you pay off a credit card, put your money to pay the next highest balance.

Remember that you have agreed not to use your credit cards (see step 1). So keep the ones you paid for. Why?

By not canceling the credit card, you will have more available credit, helping to improve your credit score. And a higher credit score will help you get approved for another interest-free credit card.

4. Automate

Automating your minimum monthly payments for all but your lassoed credit card will allow you to focus on paying off one debt at a time. But automating your payments can do even more to help you.

Remember how we talked about the importance of commitment because of later temptations? Here’s where it comes into play.

You can have multiple credit cards, but we’ll keep the single card example simple: When you started your debt lasso journey, your minimum monthly payment was $80, so you committed to paying $200 on your credit card, an extra $120 each month.

After you pay off part of your balance, your credit card company tells you that your new minimum payment is only $60. Yay! But that doesn’t mean you now have $20 to spend – you should continue to pay $200 every month, sending even more money to your main balance.

By automating your payments, you will be less tempted to reduce the amount when your minimum payment drops – a kind of out of sight mentality.

Putting all the extra money on your card with the highest interest rate will help you pay the least amount of interest over time. And this is where the last step becomes crucial.

5. Monitor

This woman monitors her online accounts.

This woman monitors her online accounts.

Now is not the time to put your debt payment strategy on pasture. Monitoring your accounts is an important last step, as those credit card rates can go crazy if left unchecked.

Before you reach the end of a zero interest period, start looking for other offers that allow you to transfer your balance to avoid being stuck with the new higher interest rate on your old card. .

Although opening new accounts can temporarily hurt your credit score, Auten and Schneider point out that the long-term benefits of paying off debt faster can help counter this effect.

Who Should NOT Use the Debt Lasso Method – For Now

A word of warning: if you’re in an industry where you could be fired or laid off suddenly, you should probably keep your horses — and your money.

“If you get an offer and you can’t make your payments anymore, you could end up with a 25-30% interest rate,” Auten said.

Credit card agreements often include a clause in the fine print that allows them to raise your interest rates if you miss a payment during the zero rate offer period. Some will even sneak in the right to get back all the money you previously saved during the promotional period at the new interest rate.

The take-home lesson: read the fine print.

Saving your money for now will allow you to build up an emergency fund in case you lose income. And if it turns out you end up with an extra nest egg, consider that a bonus payment when you go back to the debt lasso method.

Yeah !

Tiffany Wendeln Connors is The Penny Hoarder’s associate editor who is all about corny puns. Lily his bio and other works herethen find her on Twitter @TiffanyWendeln.

This was originally published on The Penny Hoarder, which helps millions of readers around the world earn and save money by sharing unique job opportunities, personal stories, giveaways and more. The Inc. 5000 ranked The Penny Hoarder as the fastest growing private media company in the United States in 2017.

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Chart: Consolidation is inevitable in the fragmented cannabis industry https://troydeltachi.org/chart-consolidation-is-inevitable-in-the-fragmented-cannabis-industry/ Mon, 07 Nov 2022 18:27:05 +0000 https://troydeltachi.org/chart-consolidation-is-inevitable-in-the-fragmented-cannabis-industry/ The six largest U.S. MSOs combined accounted for approximately $5.0 billion (20%) of cannabis industry revenue in 2021. No competitor accounted for up to 5% of the total. About 9,900 small businesses with average revenues of about $1.6 million accounted for more than 60% of total industry sales. In contrast, the 9,100 U.S. craft beer […]]]>

The six largest U.S. MSOs combined accounted for approximately $5.0 billion (20%) of cannabis industry revenue in 2021. No competitor accounted for up to 5% of the total.

About 9,900 small businesses with average revenues of about $1.6 million accounted for more than 60% of total industry sales.

In contrast, the 9,100 U.S. craft beer companies in 2021 accounted for just 27% of beer revenue.

As cannabis approaches legalization, the necessary scale of businesses will increase. The industry is capital intensive and huge sums will have to be spent to establish national brands, distribution systems and centralized production facilities.

The size of likely new entrants to the industry dwarfs current competitors. The average enterprise value of the top 5 alcoholic beverage companies is approximately $23 billion, more than four times the size of the largest MSO. Similarly, the smallest of the big three tobacco companies has an enterprise value more than twice that of all cannabis companies combined.

Another powerful driver of consolidation is the cost of capital. The rightmost column of the table shows the EV / Income multiples of the market cap brackets. The average valuation multiple of the largest MSOs is more than double that of Tier 3 competitors, implying a huge cost of capital advantage that makes it nearly impossible for smaller companies to sustain growth.

As the industry moves closer to federal legalization, we anticipate a wave of consolidation as companies seek to position themselves for economies of scale in production, marketing and logistics that are not yet available in the state regulatory regimes.

As in the beer industry, there will always be thousands of craft cannabis companies, but the revenue share of the biggest competitors is expected to double over the next five years.

The Viridian Capital Chart of the Week highlights key investment, valuation, and M&A trends from the Viridian Cannabis Deal Tracker.

The Viridian Cannabis Deal Tracker provides the market information that cannabis companies, investors and acquirers use to make informed decisions about capital allocation and M&A strategy. The Deal Tracker is a proprietary news service that monitors capital raising and M&A activity in the legal cannabis, CBD and psychedelic industries. Each week, the Tracker aggregates and analyzes all completed deals and segments each one based on key metrics:

  • Deals by industry sector (to track the flow of capital and M&A deals by any of 12 industries – from culture to brands to software)

  • Deal structure (equity/debt for capital raises, cash/stock/compensation for M&As) Status of company announcing deal (public vs. private)

  • Agents of the Operation (Issuer/Investor/Lender/Acquirer) Main terms of the operation (Pricing and Valuation)

  • Key deal terms (deal size, valuation, price, warrants, cost of capital)

  • Transactions by issuer/buyer/seller location (to track capital flow and M&A transactions by state and country)

  • Credit ratings (leverage and liquidity ratios)

Since its inception in 2015, the Viridian Cannabis Deal Tracker has tracked and analyzed over 2,500 fundraisings and 1,000 M&A deals totaling over $50 billion in total value.

The previous article comes from one of our external contributors. It does not represent the opinion of Benzinga and has not been edited.

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Debt-free multibagger stocks to pay 300% dividend, analysts see new high ahead https://troydeltachi.org/debt-free-multibagger-stocks-to-pay-300-dividend-analysts-see-new-high-ahead/ Fri, 04 Nov 2022 17:32:25 +0000 https://troydeltachi.org/debt-free-multibagger-stocks-to-pay-300-dividend-analysts-see-new-high-ahead/ With a market valuation of ₹28,417.18 crores, Supreme Industries Ltd (SIL). is a large-cap industrial company. With seven business divisions, Supreme Industries Limited is the leading plastic processing company in India. The company has ventured into a variety of plastic processing techniques including extrusion, rotational molding (ROTO), compression molding, blow molding and injection molding. In […]]]>

With a market valuation of 28,417.18 crores, Supreme Industries Ltd (SIL). is a large-cap industrial company. With seven business divisions, Supreme Industries Limited is the leading plastic processing company in India. The company has ventured into a variety of plastic processing techniques including extrusion, rotational molding (ROTO), compression molding, blow molding and injection molding. In the plastics industry in India, Supreme is widely recognized as a pioneer. The nation’s largest plastics processors efficiently process quantities of over 3,50,000 tons of polymers per year. Supreme Industries is a debt-free company, according to statistics from Value Research, but the icing on the cake is that it will soon pay a 300% dividend.

“We wish to inform you that the Board of Directors of the company, during its meeting held on Monday October 31, 2022, has, among other things, approved the payment of an interim dividend of 300%, i.e. 6/- per share on 12,70,26,870 number of equity shares of Rs. 2/- each (par value),” the company said in a stock filing.

“We must declare that the Company has set Wednesday, November 9, 2022 as the “record date”, for the purpose of verifying the eligibility of shareholders for the payment of an interim dividend, if and to the extent that this may be declared , by the Board of Directors at its meeting, scheduled to be held on Monday, October 31, 2022, the Company’s Board of Directors has informed the stock exchanges.

Research analysts at brokerage firm ICICI Direct Research said in a note that “SIL’s stock price has returned 88% over the past five years. We maintain our BUY rating on the stock. We value the stock at 32x P/E FY24E EPS and revise our price target to 2600.”

The government’s flagship program “Nal Se Jal” (with an expenditure of ~ 3 lakh crore in the next five years) is a great boost for the domestic plastic piping industry in the long run, the increasing contribution of value-added product in the overall turnover (increased by 35% in in FY18 to ~38% in FY22) to maintain high EBITDA margin, the company expects a capex of 700 crores in FY23E to increase manufacturing facility by 11% YoY to ~8,000,000 tons and a CAGR of 12% in model revenue led by a CAGR of 17% in volume on the fiscal year 22-24E, are the main drivers of future stock price performance according to analysts.

“Supreme Industries’ performance in Q2FY23 was weak on the EBITDA margin front. Inventory losses in the context of a sharp drop in PVC prices (40% decrease compared to April 2022) led to a drop in the consolidated EBITDA margin to 7.1% (vs. ~15% margin before Covid). We reduced our FY23 EBITDA margin estimate by 180 basis points year-on-year to 12.8% (taking into account the sharp decline in FY23 second quarter EBITDA margin ). We expect EBITDA margins to bottom out in FY23 and return to pre-Covid levels by FY24, supported by stable PVC prices, new product launches in the value-added products and better operating leverage. From a revenue perspective, Q2FY23 Piping segment volume growth of 9% was well above our estimate of a decline of around 2%. Management expects strong demand for piping products from H2FY23, driven by the recovery in rural demand. We expect SIL’s pipe segment to post a volume CAGR of 19% in fiscal year 22-24E, supported by the recovery in demand for pipes for agriculture, housing and infrastructure. We believe that government sponsored programs such as Nal Se Jal Mission, Swatch Bharat Abhiyan, sanitation, affordable housing, can be the major catalysts for SIL volume growth. We include revenue, profit CAGR of 12%, 3%, respectively, in fiscal 22-24E, led by piping segment revenue CAGR of 12%. We maintain our BUY rating on the stock given the strong growth prospects in the company’s core business and the strength of its balance sheet. We value the stock at 32x PE of FY24E BPA and revise our target price to 2600/share,” said analysts at brokerage firm ICICI Direct Research.

Research analysts at brokerage firm Anand Rathi said in a note that “Driven by volume growth, Supreme’s second-quarter revenue grew 8.2% year-on-year to Rs 21 billion (in line with the ARe), even if the mixed achievements remained soft. Inventory losses caused by a sharp drop in raw material prices weighed on profitability. Gross, EBITDA and PAT margins decreased by 830bps, 906bps and 793bps y/y to 23.2%, 7.1% and 3.9% respectively.”

They further added that “encouraging demand outlook and margin tailwinds would drive H2 FY23 performance. Management expects Rs 90 billion revenue and EBITDA margin 12-12.5% ​​for FY23. We introduce FY25 revenue and forecast revenue and revenue CAGRs of 12% and 9% respectively in FY22-25. our buy rating and raise our target price to Rs 2,730 (from Rs 2,467) based on 27.5x (unchanged) 25th year earnings.”

“We have revised our FY23 and FY24 figures downward to reflect healthy plastic pipe volume growth and continued margin pressures (due to inventory losses) in the first half of FY23. We also introduce FY25 earnings and forecast revenue and earnings CAGR of 12% and 9% respectively in FY22-25. We maintain a buy rating and increase our target price to Rs 2,730 (from Rs 2,467) based on 27.5x (unchanged). 24th fiscal year earnings,” said research analysts at brokerage Anand Rathi.

Shares of Supreme Industries closed today at 2,240.00 each, up 1.78% from the previous close of 2,200.75. On the NSE, the stock had hit a 52-week high of 2,492.55 on (November 10, 2021) and a 52-week low of 1,666.25 on (Jun 23, 2022). However, if the stock hits the target price set by the aforementioned brokerage firms, it will set a new all-time high.

Disclaimer: The opinions and recommendations made above are those of individual analysts or brokerage firms, and not of Mint.

Catch all the trade news, market news, breaking news and latest updates on Live Mint. Download the Mint News app to get daily market updates.

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Crypto Miner Consolidation Imminent as Some Industry Players Struggle https://troydeltachi.org/crypto-miner-consolidation-imminent-as-some-industry-players-struggle/ Tue, 01 Nov 2022 21:26:00 +0000 https://troydeltachi.org/crypto-miner-consolidation-imminent-as-some-industry-players-struggle/ As more miners report dire financial pressures from low crypto prices, high energy costs and debt, a resumption of consolidation is inevitable, industry watchers have said. After Core Scientific revealed in filings last week that it was considering bankruptcy, Argo Blockchain became the latest major bitcoin miner to reveal financial pressures, saying a planned capital […]]]>

As more miners report dire financial pressures from low crypto prices, high energy costs and debt, a resumption of consolidation is inevitable, industry watchers have said.

After Core Scientific revealed in filings last week that it was considering bankruptcy, Argo Blockchain became the latest major bitcoin miner to reveal financial pressures, saying a planned capital injection of $27 million had failed.

A company spokesperson declined to comment.

As small and medium-sized companies struggle, large mining rig operators have expressed interest in buying opportunities. Possible acquirers include Marathon Digital, which previously said it was more focused on organic building than buying.

“We like to have an agile strategy…and the capitalization to be able to take advantage of opportunities like this,” Fred Thiel, CEO of Marathon Digital, told Blockworks.

Thiel declined to say whether the company has committed to Core Scientific or Argo, but he said Marathon will keep an eye on cheap hosting assets.

“Would Marathon participate, eventually, in the purchase of a hosting site? Thiel said. “Yeah, if the price is absolutely attractive. Or if it made strategic sense.

Argo Blockchain the last stress miner

Argo Blockchain said on Monday it no longer expects to receive the $27 million inflow of capital it expected from a “strategic” investor, which it declined to name. The capital was to be used in part for capital expenditures for continued construction of its flagship Helios facility in Dickens County, Texas. It is not known why the funding failed.

As Argo Blockchain explores other funding opportunities, the company sold nearly 4,000 new Bitmain S19J Pro machines to raise $5.6 million.

“If Argo fails to complete additional financing, Argo would become cash flow negative in the near term and would have to scale down or cease operations,” the company said.

NYDIG agreed in May to loan Argo up to $70.6 million to recapitalize the purchase of digital asset mining equipment for the Texas facility. It’s unclear if NYDIG was to provide the additional $27 million.

A NYDIG spokesperson did not immediately return a request for comment.

The move comes after Core Scientific said in filings last week that it would skip upcoming payments as it faces liquidity and operational issues. The miner said he hired advisers as he considered his options, including seeking relief through bankruptcy.

Crypto-mining data center operator Compute North filed for bankruptcy in Texas in September. The company owes up to $500 million to at least 200 creditors, according to a petition filed with the Southern District of Texas bankruptcy court.

Will miners survive the ‘perfect storm’ of pressures?

Chase White, an analyst at Compass Research & Trading, said in a research note published Tuesday that the company had lowered its price target for Argo from $4.50 to $1.

The stock price was $0.90 at 3:00 p.m. ET on Tuesday, down about 93% year-to-date and down 19% on the day.

“We believe [Argo] probably has enough cash to stay afloat for the next two quarters,” White said. “Part of the reason we thought [Argo] was in the process of raising share capital was to have sufficient cash to enter into a fixed price power purchase agreement (PPA) for its [Texas] opportunity to control electricity costs, which now seems to be irrelevant. »

Glyn Jones, CEO of Icebreaker Finance, said too much of the industry was focused exclusively on debt-fueled growth in 2020 and 2021 – while paying less attention to the cost of production.

Icebreaker launched a miner loan pool in September that it called “vertically integrated and positioned for success.” The loans, with interest rates between 15% and 20%, have a term of 12 to 18 months and are secured by assets such as mining rigs, power transformers and digital assets.

“We estimate that less than 25% of US hashrate is operating with the financial resilience to weather the full range of credible scenarios, including further hash price deterioration,” Jones told Blockworks. “More than perhaps any other industry, its economics dictate that only the most efficient operators will survive in the long term. No miner has greater pricing power, so it’s all about the cost of production.

Rising bitcoin mining difficulties and associated costs — along with looming debt — have created “a perfect storm” for many miners, Thiel said. He added that about 20 public miners could be at risk of bankruptcy due to current market conditions.

“If you were to look across the industry and [see] who has equipment financing, those are the ones with the highest risk today,” Thiel said. “Or those with a lot of debt service to do.”

Healthier miners seek buying opportunities

Bill Cannon, head of portfolio management for digital asset fund manager Valkyrie Investments, said the strongest companies in the mining space are likely to strengthen their positioning through cut-rate acquisitions.

Cannon expects mergers and acquisitions to pick up again this quarter and early next year as companies on the verge of insolvency scramble to retain at least some shareholder value — and keep their doors open.

“Consolidation is inevitable,” Cannon said. “All industries go through this, and we believe that the remaining miners will benefit from this period, in the same way that the Amazons and Googles of the world did after emerging from the ashes of the dot-com boom.”

Jason Les, CEO of Riot Blockchain, told Blockworks that his company is one of the “best positioned acquirers” in the industry. A number of companies, Les added, will go bankrupt or exploit the private markets and associated leveraged buyouts.

Those considering bankruptcy may want to take this route sooner rather than later, Thiel said.

“If you’re close to the risk of doing it, you better hurry,” he said. “The buyers of your assets are going to run out of money, because there are so many people ahead of you who are bankrupt.”


Get the top crypto news and insights of the day delivered to your inbox each evening. Subscribe to Blockworks’ free newsletter now.


  • Ben Strack

    Ben Strack is a Denver-based journalist who covers macro and crypto-native funds, financial advisors, structured products, and the integration of digital assets and decentralized finance (DeFi) into traditional finance. Prior to joining Blockworks, he covered the asset management industry for Fund Intelligence and served as a reporter and editor for various local Long Island newspapers. He graduated from the University of Maryland with a degree in journalism. Contact Ben by email at [email protected]

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Hoosier’s student debt hangs in limbo as courts consider lawsuit | new https://troydeltachi.org/hoosiers-student-debt-hangs-in-limbo-as-courts-consider-lawsuit-new/ Fri, 28 Oct 2022 20:00:46 +0000 https://troydeltachi.org/hoosiers-student-debt-hangs-in-limbo-as-courts-consider-lawsuit-new/ Indiana Public Media News { “banners”: { “tv”: [ {“url” : “https://indianapublicmedia.secureallegiance.com/wtiu/WebModule/Donate.aspx?P=WTIUMCBNR&PAGETYPE=PLG&CHECK=2T6mTyo6yYuMn%2bAFYFwp%2bq1gzMC6uhq5nDjkJobrCdg%3d”, “img” : “https://indianapublicmedia.org/images/banner-images/9-4-22-all-creatures-bnr.jpg”, “startingDate” : “1662264000000”, “endingDate” : “1662350340000”} , {“url” : “https://indianapublicmedia.secureallegiance.com/wtiu/WebModule/Donate.aspx?P=WTIUMCBNR&PAGETYPE=PLG&CHECK=2T6mTyo6yYuMn%2bAFYFwp%2bq1gzMC6uhq5nDjkJobrCdg%3d”, “img” : “https://indianapublicmedia.org/images/banner-images/8-14-22-wtiu-bnr.jpg”, “startingDate” : “1660449600000”, “endingDate” : “1660708740000”} , {“url” : “https://indianapublicmedia.secureallegiance.com/wtiu/WebModule/Donate.aspx?P=WTIUMCBNR&PAGETYPE=PLG&CHECK=2T6mTyo6yYuMn%2bAFYFwp%2bq1gzMC6uhq5nDjkJobrCdg%3d”, “img” : “https://indianapublicmedia.org/images/banner-images/8-17-22-wtiu-bnr.jpg”, “startingDate” : “1660708800000”, “endingDate” : “1660881540000”} , {“url” : “https://indianapublicmedia.secureallegiance.com/wtiu/WebModule/Donate.aspx?P=WTIUMCBNR&PAGETYPE=PLG&CHECK=2T6mTyo6yYuMn%2bAFYFwp%2bq1gzMC6uhq5nDjkJobrCdg%3d”, “img” : “https://indianapublicmedia.org/images/banner-images/8-19-22-wtiu-bnr.jpg”, “startingDate” […]]]>

News Contact IPM News

Indiana Public Media News

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