Capital – A1 USA Real Estate Thu, 17 Jun 2021 02:03:06 +0000 en-US hourly 1 Capital – A1 USA Real Estate 32 32 Best Dividend Stock for 2021: Real Estate Income or AGNC Investment Corp? Thu, 11 Mar 2021 06:18:52 +0000

With interest rates close to 0%, finding a return can be a difficult endeavor. US Treasuries pay a whopping 0.94% in exchange for locking in your money for 10 years. One of the few industries that offers consistent performance is the Real Estate Investment Trust (REIT) industry.

REITs have many different business models. There are Office REITs, Apartment REITs, and Data REITs. The two highest yielding REIT sectors are typically retail REITs and mortgage REITs. Real estate income (NYSE: O) is a leading retail REIT, while AGNC investment (NASDAQ: AGNC) is one of the best mortgage REITs. But what is the best dividend-paying stock?

Image source: Getty Images.

Realty Income Increased Dividend Despite COVID-19

Realty Income (aka Monthly Dividend Company) is the classic real estate investment trust. The company owns properties and then rents them out to tenants under long-term leases where the tenant covers almost all of the expenses. These types of retail REITs are referred to by the REIT industry as “triple net” leasehold REITs. Typically, triple net lease REITs have long-term relationships with companies that are relatively insensitive to the economic environment. Major tenants of Realty Income include convenience stores, drug stores and dollar stores. The company’s biggest tenants include Walgreen’s, 7-11, General dollar, and FedEx. Despite the COVID-19 slowdown, perceptions are improving steadily and the company said it collected 94% of rents in September. This business model allowed Realty Income to continue to pay dividends during the crisis and even increase them in June.

AGNC’s investments are guaranteed by the government

AGNC Investment is a mortgage REIT, which is a different animal compared to traditional REITs. Mortgage REITs do not own properties and do not charge rent. Mortgage REITs are more similar to banks. They hold real estate debts (like mortgages). If you’ve recently refinanced your home with your local bank, chances are your loan ended up in a mortgage-backed security on a mortgage REIT’s balance sheet. AGNC invests almost exclusively in mortgage-backed securities issued by Fannie Mae and Freddie mac. These titles are guaranteed by the US government.

Credit risk versus interest rate risk

AGNC and Realty Income present different types of risks. Realty Income carries a lot of credit risk, which is the risk that tenants may not be able to pay their rent. If the tenants of Realty Income cannot pay, the REIT must still cover its interest payments. On the other hand, AGNC Investment’s portfolio consists mainly of mortgage-backed securities guaranteed by the State. This means that if the borrower cannot make their mortgage payments, the government will ensure that AGNC always receives their principal and interest.

That said, the absence of credit risk does not mean that AGNC is risk free. Its business model involves an interest rate risk and a liquidity risk. These problems caused AGNC Investment to suffer heavy losses and reduce its dividend in the spring. When the economy is bad, AGNC takes advantage since interest rates stay low. When the economy improves, interest rates will rise, which means a more difficult environment for AGNC.

Realty Income pays a monthly dividend and has a yield of 4.7%. The company is part of the Dividend Aristocrats, an elite group of companies that have increased their dividends each year consecutively for at least 25 years. This is a record of stability that few other companies can claim. AGNC Investment is another monthly payer that has a dividend 9.3% yield. Problems with COVID-19 and margin calls forced the company to reduce its monthly dividend from $ 0.16 to $ 0.12. in April. AGNC admitted on its call for second quarter results that the cut was probably unnecessary in retrospect.

So which one is the best dividend shares? It depends on how much you value consistency. Realty Income has a stable business model that has survived multiple economic cycles. AGNC Investment has a higher yield, but the dividend has been more volatile. Much will depend on how COVID-19 plays out. The tenants of Realty Income have managed to pay their rent; However, the company is exposed to the struggling gym and movie theater segments. If the economy recovers quickly, Realty Income will benefit more than AGNC, as credit risk will work in Realty Income’s favor and interest rate risk will work against AGNC. On the flip side, if the economy enters another prolonged recession, AGNC’s government-guaranteed portfolio is likely to outperform, especially as the Federal Reserve actively supports its assets.

This article represents the opinion of the author, who may disagree with the “official” recommendation position of a premium Motley Fool consulting service. We are heterogeneous! Challenging an investment thesis – even one of our own – helps us all to think critically about investing and make decisions that help us become smarter, happier, and richer.

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Credit Score 101: 5 Ways To Improve Your Score Thu, 11 Mar 2021 06:18:52 +0000

Bad credit can cost you significant funds in the future or even delay important life milestones.

One in four American adults admit they don’t pay their bills on time and nearly one in ten now has debts in collection, according to the NFCC. 2018 Consumer Financial Literacy Survey, sponsored by BECU. Many people often don’t realize the financial consequences that can result from late payments and the long-term negative impacts this can have on their credit.

When buying a house or a car, looking for a cell phone plan, or even applying for a job, having bad credit can cost you significant funds in the future or even delay important milestones in your life. Whether you’re building your credit history or just wanting to boost your score, there are steps you can take to set yourself up for success.

How does credit work

According to BECU financial educator Stacey Black, credit is the ability to buy now with the agreement to pay later, while a credit score is the number that tells lenders how likely someone will pay them back. “Credit scores go from 300 to 850, with the higher end of the range being better,” says Black.

Factors that contribute to a credit score include payment history (whether you regularly pay your bills on time), the amount of your debt, the time you have spent managing credit (the longer accounts are open, the better), if you’ve recently opened new credit accounts, and what types of credit you have.

Responsible management of the above results in good credit. And good credit is something that pays off every day. With a higher credit score and a good credit history, you can enjoy all kinds of benefits, including better loan terms and increased borrowing power.

Building good credit doesn’t have to be difficult – it just takes a little know-how and discipline. Here are five ways to get started today.

Use your credit card responsibly

A credit card is a valuable tool in helping to manage daily expenses. Using a credit card makes it easy to track discretionary spending and adjust the pace of those spending as needed to stay on budget.

However, every consumer is different. Some of us are naturally good at cutting spending, while others have to keep scrupulous records in spreadsheets or use smartphone apps to control spending. Being responsible with a credit card involves knowing what type of consumer you are.

Black says even though it’s good for everyone to carry on build strong credit, we need to manage our cards wisely. “When I run credit workshops, I often recommend that you always leave your credit cards open, even if they are rarely used,” says Black. “However, I also suggest that if someone has too many credit cards and it becomes difficult to manage, consider closing the newer ones or the ones that charge the highest annual fees.”

Always make your payments on time

Paying your bills on time is the most important thing you can do to maintain and improve your credit score. “When your payment is more than 30 days late, it can have a significant impact on your score,” says Black. “In fact, late payments can stay on your credit report for up to seven years.”

An easy way to make sure credit card payments are always made on time? Use automatic payments. “Signing up for automatic payments eliminates the need to ‘remember’ to pay the credit card bill each month and you can easily change the amount as needed,” says Black.

Understanding the impacts of a new loan

How many times have you gone to your favorite store to check out and asked if you want to save on your purchase? While new credit cards can lead to short-term gratification, opening multiple accounts in a short period doesn’t look good and can negatively impact your long-term credit score.

“I recommend that people don’t apply for new credit just to get a discount,” says Black. “Every time you apply for a new credit card, it can lower your credit score. Applying or opening multiple credit cards at once can signal lenders that you are having financial problems.

Consider a secured credit card

If bad credit in the past has thwarted your ability to get new credit, if you are building a credit history, or even just want collateral for spending on credit, there are strategies created just for you.

“A secured credit card offers the opportunity to start creating credit responsibly and offers all of the benefits of a credit card, but usually with lower spending limits,” suggests Black. “The difference is that a secured credit card requires you to make a security deposit, which is used as collateral in the event of a default, and can help people feel more invested in making payments.”

Choosing the right financial institution

Financial institutions can be a great resource for learn more about credit scores and personal finances. “A lot of times people decide to stick with the financial institution they had when they were younger and haven’t explored other options,” says Black. “And if you’re considering making a change, it’s important to consider all the services you might need in an institution – now and in the near future – to help you find the right one for you.”

When choosing a financial institution, Black recommends that you consider potential fees, interest rates, convenience, and online banking capabilities.

Your credit report is your financial report card. Since it can affect many areas of your life, it’s important to understand how it works and how to build good credit. Free copies of your credit report are available annually, thanks to the Fair and Accurate Credit Transactions Act, from all three credit bureaus via

As a non-profit, member-owned credit union, BECU focuses on improving the financial health of its members and communities through better rates, lower fees, community partnerships and financial education.

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Best car deals for risky buyers Thu, 11 Mar 2021 06:18:52 +0000

The best deals for buyers with subprime credit involve special rates and discounts that can help lower monthly payments on a wide range of affordable cars, trucks, and SUVs.

Buyers with a credit score below 620 can often struggle to get approved for a car loan. Fortunately, the best brands for buyers with bad credit are for these customers.

Chevrolet Silverado 1500 2021

10.9% APR for 72 months. Great deals on full-size trucks can be hard to find if you have bad credit. Until May 3, the Chevy Silverado qualifies for rates as low as 10.9% APR for 72 months through GM Financial.

To put that in perspective, Ford’s 72-month best rate on the new F-150 is 6.9% APR. And it is with a leading credit! Unfortunately, Chevrolet’s offering is limited to the Regular and Double Cab styles and excludes the Crew Cab altogether.

Check prices for the 2021 Chevrolet Silverado near you »

2021 Kia Soul

5.5% APR for 72 months. A cross between a sedan and an SUV, the Soul offers buyers of subprime credit an affordable and relatively stylish choice when taking out a loan through Kia Motor Finance through May 3.

According to a dealership incentive bulletin, those with a credit score below 620 can qualify for rates such as 5% APR for 60 months and 5.5% for 72. As a result, you may be able to drive a new one. soul for less money than you think.

Check 2021 Kia Soul prices near you »

Jeep Renegade 2021

Up to $ 8,500 off MSRP. The Renegade is often one of the smallest small SUVs you can buy. Until May 3, Chrysler Capital is offering an additional $ 750 rebate with a special rebate called CCAP Subprime Bonus Cash.

The best part is that you can combine the bonus with other incentives. Here in California, the 2021 Renegade Latitude 4×4 is already offering savings of $ 7,750. With the additional $ 750, that can bring your total to $ 8,500 off the MSRP.

Check prices for the 2021 Jeep Renegade near you »

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Amazon’s new credit card could backfire on people with bad credit Thu, 11 Mar 2021 06:18:52 +0000

Amazon’s latest credit card is designed to appeal to consumers looking to improve their credit score. It comes with an unusual structure – and a few major caveats.

the Amazon Credit Builder Card
+ 1.11%
will work like a secure credit card, but with the same benefits as Amazon’s Store Card. When opening the card, as with any secure card, the consumer must make a refundable security deposit with Amazon’s partner on the financial product, Synchrony Bank SYF,
This deposit will then represent the credit limit of the card. Consumers can establish lines of credit ranging from a minimum of $ 100 to a maximum of $ 1,000.

Like many other retail cards, however, the Amazon Credit Build card can only be used for purchases on Amazon, making it a “closed loop” card.

The structure of the new credit offering seemed rather unusual to credit card experts. “I have reviewed hundreds of retail cards and can’t recall ever seeing a secure retail card,” said Ted Rossman, industry analyst at

(Amazon and Synchrony declined to provide additional comments regarding the card on file.)

Read more:How next day shipping from Amazon and Walmart could blow your budget

Here are the other features of the card:

• Amazon Prime members who open the card can receive 5% cashback on their purchases on Account must be in good standing to redeem rewards.

• The card has no annual fee – although consumers would have to pay the annual Amazon Prime membership fee of $ 119 to get the cash reward.

• After making the account opening deposit, cardholders will receive a $ 40 gift card.

• Cardholders will have access to 0% APR financing options on large purchases.

• On-time payments will be reported to the three major credit bureaus: Experian EXPN,
, Equifax EFX,
and TransUnion TRU,
+ 0.21%.

• The card’s annual percentage rate is currently 28.24% and resets to the prime rate. This is higher than the average retail card interest, which was 25.64% in November 2018, according to

Amazon seeks to appeal to low-income consumers

This card is clearly aimed at a different audience than the company’s other credit cards, including Amazon Prime Rewards Visa V,
, which was released last year.

The Amazon Credit Builder card is explicitly aimed at people with bad credit and those new to credit. Amazon has also partnered with TransUnion create a dashboard through which consumers can monitor their credit rating and learn how to use their credit card wisely.

“Secured credit cards are my go-to cards for people who are starting to credit or rebuilding it,” said Matt Schulz, chief industry analyst at “It’s a great training wheel map because there is so little risk involved. After all, with typical $ 200 or $ 250 lines of credit, there is only so much madness that you can go with your spending.

But Schulz warned that because the Credit Builder is a retail card, there are some significant potential pitfalls that consumers should be aware of, including an above-average APR and rewards that may not be as good as those offered. by general purpose cards. .

Consumers will have the option to upgrade to the Amazon Store card if their account remains in good standing. However, not all consumers should necessarily make this move.

“Upgrading the card means getting your security deposit back, so that’s a good thing,” said Greg McBride, chief financial analyst at Bankrate. “But at the end of the day, whether a card is secure or not, it is how disciplined the cardholder is with their spending and the refund of the balance that determines whether a point succeeds or fails. from a financial point of view. “

Also see:Here’s everything Apple doesn’t tell you about its new credit card

To qualify for the upgrade, cardholders must make seven consecutive payments on time over a 12-month period. Cardholders should also have a credit history without bankruptcy, foreclosure or recent delinquency and a credit rating that meets Synchrony criteria.

The decision to offer this card is part of other efforts by Amazon to attract low-income consumers, including when the company began charging a lower membership rate than Amazon Prime for consumers who depend on it. government assistance.

“It sets the bad precedent for using a credit card to fund purchases that cannot be paid for in full.”

– —Greg McBride of Bankrate on 0% Financing Offers Associated with Retail Credit Cards

Card benefits may be too good to be true

Many benefits designed to help this card stand out from other secured credit cards could turn into double-edged swords.

For starters, Amazon’s choice to offer rewards on the card could easily backfire on consumers. Credit card rewards, however, are almost inherently designed to encourage overspending. Financial experts argue that offering these rewards in turn could foster bad spending habits and make it harder for consumers to build up their credit scores.

Plus, special financing offers could end up costing consumers dearly if they’re not careful. Amazon Credit Builder cardholders will have access to two forms of special funding. For purchases of $ 149 or more, they can request 0% financing for 6-24 months.

Consumers can also request “equal pay financing” for purchases of $ 300 or more, for which they will make equal payments each month for one year at 0% APR.

Don’t miss:Ask these questions about your credit card – it could save you hundreds of dollars

Both of these supposed agreements have drawbacks. Namely, if consumers do not pay the full balance on time, they will be forced to pay interest on the full amount of the purchase. And with the offer of equal payments, missing a payment could hurt a buyer’s credit rating.

“More and more cards and card issuers are offering the ability to segregate specific large purchases for special funding arrangements in the hope that the cardholder will continue to use the card while paying off that large purchase instead. than putting it in a drawer until it’s paid, “McBride said.” The risk for those new to credit or rebuilding credit is that it sets the bad precedent of using a credit card. credit to finance purchases which cannot be paid in full. “

The card’s high interest rate should also be a major concern for consumers – and can be avoided if they pay off the balance in full each month. But that might prove difficult for someone on a tight budget.

Finally, due to its unique structure, the Amazon Credit Builder card comes with one of the main caveats of most retail cards: Consumers cannot use it elsewhere. This makes it potentially less useful than other secure credit cards offered by banks, such as the Discover it Secured DFS card,
and Citi Secured Mastercard C,
, which can be used at any number of retailers.

Consumers should approach any retail card with caution, Schulz said, because people often feel pressured to sign up and then regret having done so. In fact, a 2018 survey by CompareCards found that 47% of people who got store cards were sorry they did. “If you’re interested in a card, your best bet is to say no when it’s offered to you and then read the card once. You get home,” Schulz said. “If you’re still interested, go- y and apply next time you’re at that store Chances are the same benefits and details still apply, but you’ll make a less pressurized and more informed decision.

Amazon shares have risen 11.3% in the past three months. Comparatively, the Dow Jones Industrial Average DJIA,
and S&P 500 SPX,
+ 0.18%
only increased by 2.1% and 4.75% respectively over the same period.

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Join the Biden administration? Read this before requesting permission Thu, 11 Mar 2021 06:18:52 +0000

A security clearance is a determination by the United States government that a person is eligible for access to classified information. To get one (and virtually all managerial positions require one), you need to complete a standard Form 86 (SF-86) Questionnaire. This 136-page document (also known as the e-QIP) forms the basis for government background investigations, re-investigations and ongoing assessments of anyone considered for obtaining or maintaining a position of national security. The information required of a candidate is extensive – where you have lived and traveled, your education and work history, any connection to foreign nationals and governments, criminal records, drug and alcohol use, and all relevant psychological conditions and much more.

Your SF-86 Questionnaire will be checked and reviewed very carefully. If your documents are accurate and complete, and there are no red flags, your investigation file should be processed promptly in the system. However, if your documents are inaccurate or incomplete, you create additional work for analysts and reviewers, investigators and adjudicators, and your case can drag on. Plus, investigators get a glimpse of what type of person you are just by looking at how you filled out your SF-86.

There are five requirements to consider before submitting your SF-86:

Be honest. It goes without saying that anyone requesting access to highly protected national security information – which, if improperly disclosed, could cause “exceptionally serious damage to the nation” – must show that they uphold ethical standards. highest in all aspects of his life. Lying or omitting on the SF-86 will almost automatically disqualify you. Always, always, always tell the truth (even when it hurts).

Be precise. The SF-86 is extremely long and comprehensive, containing questions and sub-questions that delve into the smallest details of your life. If you are unsure of the date of your trip to France, but know it was in 2018 or 2019 (you’re in luck, just before the COVID-19 pandemic), don’t just guess. Take the time to research your own past to make sure all of the information on your SF-86 is correct.

Take your time and read the question. Different sections of the SF-86 request information from different time periods, and some federal agencies include an addendum requesting additional information. Just because you submitted an SF-86 for an agency does not means you can complete without thinking the SF-86 from another agency. Be sure to carefully read and understand the scope of each question each time you are asked to complete the SF-86.

Be complete. In your rush to complete the application (I understand; it’s a tedious process, but the US government won’t be understanding), don’t leave anything out. You cannot include almost all your trips abroad, but forget about that trip to Tijuana, Mexico. or list almost all your foreign contacts, but forget about the two Russian foreign nationals who play on your weekly football team (in the pre-pandemic period, of course). Or divulge all the times you smoked marijuana, but forget about the time you tried your roommate’s Adderall as well. At worst, these mistakes will make you feel like you’re lying. At best, they make you look carefree. Judgment is a critical part of security clearance determinations, and you must convince the government that you can count on yourself to reliably protect the nation’s secrets.

Explain. Everyone has a past. Most people have lived a busy life before taking a job that requires security clearance: maybe you got into trouble with the law in high school, made some bad decisions (this prostitute did- you solicited?) since overcome. You did the right thing by being honest, precise and complete on the form, but you also need to explain what happened and how you changed. The passage of time helps a lot, but you should also include some important milestones or other accomplishments that take you away from who you were when you engaged in the previous bad behavior. Take advantage of the SF-86 opportunities that invite you to provide additional information and explain the issues in your context.

In short, if you follow the above rules and do it right the first time, you will make the security clearance application process much easier and less stressful, and you will likely get your clearance much sooner.

Nina Ren is an associate at the federal employment law firm Kalijarvi, Chuzi, Newman & Fitch, PC in Washington, DC She is the co-chair of the firm’s security clearance law practice, representing federal employees and contractors whose clearances have been threatened or suspended, or whose fitness for federal employment has been challenged. She can be reached at

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7 tips for applying and entering a business school Thu, 11 Mar 2021 06:18:52 +0000

Getting a Master of Business Administration (MBA) can teach you invaluable skills and take your career to the next level. But getting into a business school, especially one that is highly ranked, is no small feat. How do you submit an impressive application that will get you noticed by the admissions committee?

By understanding exactly what business schools are looking for, you can make your application the best it can be.

How to enter business school

Here are our seven tips on how to improve your chances of entering a business school, along with some thoughts on why a strong application is so important.

1. Determine your goals
2. Find the right MBA program
3. Get professional experience first
4. Gather the letters of recommendation
5. Study Long and Hard for GMAT
6. Apply for admission to the first round
7. Start early
Why is it important to apply to a business school right path

1. Determine your goals

This first step may seem obvious, but it is essential. Only by identifying your personal data and professional objectives will you know how to articulate them in an application.

Admissions committees want candidates who set clear goals. So in your application essay, explain precisely why you are applying and what your goals are. This way, admissions officers could reserve space for you in the next incoming class.

When thinking about how to get into business school, think about what makes you special. Before you start applying, consider how the degree will advance your professional career. Then, think about your unique qualities that will make you stand out from the pack.

2. Find the right MBA program

Higher education admissions expert Dr. Don Martin encourages you to educate yourself about a school’s educational philosophy and class size before applying to a business school.

Determine if the student community is more conservative or liberal, individualistic or collaborative, Martin told Student Loan Hero.

Before investing your time and money, find a program that is culturally best for you. Not only will you get more out of your experience, but you might increase your chances of getting into it. Admissions officers look for candidates who will do well on campus.

Harvard Business School, for example, looks for leaders who speak up and get involved in their community. Once you’ve found your right program, you can communicate what works best for you in your application.

3. Get professional experience first

Most business schools are not interested in students straight out of college. Instead, they prefer people who have a few years of work experience under their belt.

The Magoosh admissions company suggests that you work for three to five years before applying to a business school for an MBA. The average age of MBA students is in fact 27 to 29 years old.

By working a few years, you acquire professional skills who will help you in business school. In addition, you will have the chance to network with colleagues, learn about corporate cultures and clarify your own career goals.

4. Gather the letters of recommendation

When determining how to enter a business school, focus on the requirements of the business school. This often includes two to three letters of recommendation. Admissions officers want to know more about you in a holistic way. They are interested not only in your grades and test scores, but also in your relationships with managers and teachers.

Letters of recommendation are an opportunity to provide insight into who you are and what contributions you have made to school or work. AT get good letters of recommendation, find people who know you well and are happy to support you.

Ask a few months before your deadlines so that your referrers have time to produce an exceptional letter. Plus, take the time to sit down with your recommendations and talk about your ideas. By sharing your thoughts, you can ensure that the letter is more detailed.

5. Study Long and Hard for GMAT

The Graduate Management Admission Test (GMAT) is a major hurdle to overcome if you want to enter a business school. Most schools require the GMAT for admission.

This quick test will measure your analytical and quantitative skills. This is especially difficult for anyone who hasn’t taken a math class for a few years. The GMAT is rated out of 800, but the average score of all applicants in 2019 was only 561.27, according to Magoosh.

Schools generally do not set a score threshold. However, you can learn more about business school requirements by researching the average scores of accepted students. Harvard Business School, for example, has an average GMAT score of 731.

Since the GMAT is so difficult, allow yourself several months to be able to take it more than once. There’s a forgiving aspect to this otherwise brutal test: the GMAT shows you your scores right after you finish.

You can choose to cancel your scores or send them to schools. If you cancel, schools will never see your unsatisfactory test results.

6. Apply for admission to the first round

Most business schools have multiple admission cycles. The first tends to take place in the fall, the second in January, and the third in the spring.

Schools continue to welcome applicants until all slots are full. This means that they have the most seats available in the first round.

If you can, aim to meet a first-round admission deadline. This way you can maximize your chances of acceptance for the following year.

Just make sure that accepting early admission doesn’t hurt affect your financial aid possibilities. It may not give you enough time to compare award letters of several schools, for example.

7. Start early

As you can see, a business school app has a lot of moving parts. You need to research the MBA program requirements, collect letters of recommendation, pass the GMAT, and more.

All of this preparation takes months, if not years, of planning. Admissions to business schools are competitive, so don’t rush the process.

Start early so you can send the strongest application possible. If you are short on time, it may be a good idea to wait until the following year to apply.

Applying well to a business school

An MBA is a highly respected degree in the business world, and it is among the better return on investment. It can lead to a world of opportunity, whether you want to grow in a business or start your own business.

In addition, you can develop a large network of contacts during the two years of your program. Before applying, take the time to clarify your goals and find the right programs by researching MBA program requirements. Given the importance of the role your school could play in setting the tone for your career, now it’s worth nailing your application to the best of your ability.

Once you’ve done some soul searching and put together the strongest possible claim, it’s time to focus on covering your participation costs. If your school’s financial aid leaves you hanging, investigate your private student loan options to fill the last gaps.

André Pentis contributed to this report.

Interested in refinancing student loans?

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The love story and wedding details of Julius Tennon and his wife Viola Davis Thu, 11 Mar 2021 06:18:51 +0000

The couple renewed their vows a decade later.

Tibrina Hobson / Getty Images

Actress Viola Davis has enjoyed an illustrious career in entertainment, being one of the few stars in Hollywood to win the Triple Acting Crown (an Oscar, Emmy and Tony). In 2021, Davis was nominated for another Oscar in the Oscar category for Best Actress in a Leading Role after her outstanding performance on Netflix. Ma Rainey’s black stockings.

With so many professional accomplishments, Viola Davis’ personal life has also been marked by some brilliant moments, including a sweet romance with her nearly 20-year-old husband Julius Tennon. “I was the loneliest woman in the world, and someone said, ‘You should just pray for a husband,'” she said. Sixth page in an interview in 2013. Davis ended up praying, quite specifically, for “a tall black southerner who looked like a footballer, who already had children, who might have been married before.”

Several weeks after this specific prayer, she met Tennon. He had already been married twice and had shared two children with his first wife. Davis and Tennon married in 2003. Here’s what you need to know about their relationship.

How did Viola Davis and Julius Tennon meet?

Davis and Tennon first met on the set of CBS City of Angels. Davis was struck by the handsome features of her future husband, as he listened to her conversation with a friend. At the time, Davis had recently moved to LA and was complaining about the city. Despite her problems, he deduced that she was gentle and kind. “And I was dating a girl who was kind of a freak,” he remarked to OWN’s Black Love. “So at the end of the day, I gave him my card… and in my card, I had my shirt.”

“It was a big deal,” Davis added. “A lot of actors had cards they didn’t have their shirts on.”

Julius Tennon and his wife Viole Davis at the 2017 Oscars Governors Ball

Kevork Djansezian / Getty Images

After receiving the information from Tennon, Davis waited a bit to sort out his personal issues. More specifically, personal finance. “What sealed the deal is that he’s cute”, How to get away with a murder the actress had previously told Kelly Ripa and Ryan Seacrest. “And then I didn’t call him for six weeks because I was trying to deal with my bad credit. I had a credit score of 500 and I was really depressed… Once I knew I wasn’t. couldn’t solve it very quickly, I was like, “Let me call this man.”

By then, Tennon had already succeeded. His acting credits include Dazed and confused, Friday night lights as good as Batman v Superman: Dawn of Justicee. He is also a producer. “I was terrified because he told me exactly who he was. He was absolutely honest about his past,” she added to OWN. “Then he took me home… He just said, ‘You are a very beautiful and kind woman. And it was a pleasure spending time with you.’ And he shook my hand. ”

Julius Tennon then pursued his future wife multiple times with the same message. “After my first date with Julius, my life just got better,” Davis mused. “The anxiety is gone, the fear is gone. He just made my life better.”

Details of the wedding of Viola Davis and Julius Tennon

Long before the rise of micro-marriage and the subsequent marriage, the couple decided to go the intimate route for their 2003 wedding by holding their ceremony for the guests in their apartment. Then they had another wedding in Rhode Island.

“I love weddings,” Davis told Jimmy Kimmel. “The first time we got married there were 50 people in our condo, it was not big enough. Three months later we got married with 100 people.”

The wedding of Viola Davis and Julius Tennon

Julius Tennon violates davis kid

Matt Winkelmeyer / Getty Images

In 2011, the couple adopted their daughter, Genesis Tennon. True marriage aficionados (just like us), Davis and Tennon took advantage of a third event to celebrate their wedding in renew their vows in February 2013. About 137 guests attended the vow renewal ceremony, including Oprah herself. For the occasion, Davis chose a backless wedding dress with a sequined bodice, which paired perfectly with her husband’s white suit. Genesis matched her parents in a sequined white dress.

“I wanted to have a really pretty ceremony with the fabulous dress and fabulous food,” Davis said. “We had the best food, our signature drinks. It was called Ju-V juice.” (Tequila personalized cocktail represented Julius and Viola, who is often referred to by friends and family as “V.”)

The couple particularly enjoy hosting at home, so they’ve been the go-to hosts for friends and family. “They see me in the interviews and I’m super serious, and then I’m home…” Davis joked to Kelly and Ryan. “There will be 45 people [over], my husband will be in the back on the grill. The fire goes up and I’m on the stove. “(More, here are some tips if you need recording inspiration for home accommodation.)

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What You Can Do This Month To Improve Your Credit Score Thu, 11 Mar 2021 06:18:51 +0000

Imagine this: you receive an email notification that your credit card bill is almost due. You acknowledge receipt of the reminder and quickly place it in the trash. A few days later, another message tells you that you need to make a payment tomorrow. Any reasonable person would just pay it right away, or set a reminder for the next morning so they know they need to take care of it. But not you. You let the bill sit there, unpaid, until it’s a month past due and you are charged additional interest.

Well, I’m not proud to admit I’ve been in this predicament before, which has resulted in a lowered credit score, a big factor in his financial health – and all because of my own laziness.

When it comes to personal finance, your credit score carries a lot of weight. “Some people think debt in general and credit cards in particular are bad and should be avoided at all costs,” says Thomas Murphy, Texas-based certified financial planner and CEO of Murphy and Sylvestre. “Having no credit history, however, has the same negative effect as bad credit. Getting an apartment, insurance, and in some cases a job are all more difficult without a good credit rating. “

Ultimately, according to Equifax, with a rating scale of 300 to 850, you should aim for a score of 700 and above. The closer to 850, the better. In order to get and maintain a good score you will need to have good habits in place, which seems easier said than done if you are a natural slacker.

But creating a great balance sheet with creditors doesn’t have to be laborious. And if you don’t have a credit history, there are a number of options for creating one from scratch. Below are some simple tactics you can use to improve your reputation with credit bureaus and future lenders.

1. Get a secure credit card

One of the most common ways to start building credit is to apply for credit. secure credit card. Instead of relying on a solid credit history, these cards allow you to put up a security deposit. The amount you deposit will also serve as a credit limit and you will receive the deposit when you close the account. Keep in mind that while many card issuers are more than willing to approve secure credit cards for people without credit, your interest rate will likely be the highest and your line of credit may be low.

2. Become an authorized user on a credit card

If the thought of getting your own credit card sounds a little daunting, ask a parent, trusted friend, or family member with healthy financial habits if you can become one. Authorized user on theirs. If they’ve always paid their bills on time, it can have a positive impact on your credit, even if you don’t personally use the card.

3. Always pay your bills on time

The easiest way to increase your credit is to pay your bills on time, preferably before they are due. If you’re a forgetful person, set reminders and mark due dates on a calendar or physical diary (or both) for invoice due dates so you don’t forget them. You can even try using a responsibility buddy to keep you on track with every monthly payment.

4. Configure monthly automatic payments

If you can afford it, set up automatic payments for all your important invoices is a smart way to make sure you pay them on time every month. When you put your payments on autopilot, you don’t have to worry about managing them manually or risking forgetting a statement. You can usually sign up for automatic bill payment through your bank, or even on your individual utility accounts.

5. Use your credit cards sparingly

A popular but important tip for achieving a good credit score is to use your line of credit as little as possible – that is, to keep your credit utilization rate low. A good rule of thumb is to never use more than 30% of your available credit at any given time. When you use your credit cards sparingly, you can still afford to pay off what you owe. This can have a positive impact on your credit score because it tells lenders that you are more likely to pay off your balance.

6. Pay off your balances in full

Contrary to popular belief, there is absolutely no need to carry over a credit card balance from month to month in order to build up credit. It is actually advisable to fully pay your bills before the end of each billing cycle so that you do not accumulate interest and unnecessarily pay money to your creditors.

In the end, it’s much easier to damage your credit than it is to get it back. This is just one of the harsh realities of personal finance, and you should take it into account whenever you feel tempted to swipe your credit card for a frivolous purchase beyond your budget.

Having good credit, however, doesn’t really require a lot of work on your part. Find out how to make sure you pay your bills on time and use the tips above, and you’ll be on your way to achieving your credit score no matter how lazy you are.

* CORRECTION * (December 3, 2018, 10:23 p.m. ET): An earlier version of this article incorrectly stated the length of time before a missed payment triggers a lower credit score. It’s a month, not a week. In addition, a suggestion to round credit card payments to the nearest dollar has been removed; having a small positive balance is not an effective method of improving a credit score.


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Bad Credit Cards – How Vendor Organizations Should Respond to Cyber ​​Security Threats of 2021 | Zoom Fintech Thu, 11 Mar 2021 06:18:51 +0000

Bad Credit Cards – How Vendor Organizations Should Respond to the Cyber ​​Security Threats of 2021

The COVID-19 pandemic has created a very different working paradigm in healthcare, with large numbers of employees moving from the office environment to working from home.

This, in turn, has opened up all kinds of new avenues for hackers to launch attacks against vendor organizations and their vital health information and systems. At the same time, the sophistication of cyber attacks continued to increase.

IT health news interviewed Christophe Doré, head of cybersecurity at Capsule Technologies, a provider of medical data technologies for healthcare organizations. He described the state of cybersecurity in healthcare during the pandemic and what provider organizations should expect this year.

Q: Why has cybercrime increased along with the sophistication of cyber attacks since the start of the pandemic?

A: Hospitals have changed overnight in the way they operate in the wake of the pandemic. Many of them were unprepared for the large number of employees working from home, as this was a scenario that no one had really anticipated. This created new opportunities for bad actors to penetrate hospital networks.

Regarding the other issue, the increase in sophistication of cyber attacks is not something I would attribute specifically to COVID-19; rather, it has grown in recent years. Criminal organizations are better organized and have better access to resources to invest in the tools necessary for the exercise of their profession. The dark web provides them with a marketplace to select the components they need to be successful.

Their successes in previous nefarious attacks provide the financial resources to fuel the next ones. The increased efficiency of this black market is the engine of malicious business success, and various bad actors do not stand alone but work together as business partners, much like you would see in a legitimate business enterprise.

“Because these funds fuel criminal organizations, hospitals can also be fined for unwittingly doing business with organizations on the government’s watch list. “

Christophe Dore, Technologies Capsule

In addition, nation states and their vast resources are increasing the pressure. During the SolarWinds attack last fall, for example, Microsoft deduced that the attack required the mobilization of 1,000 developers to launch the sophisticated and persistent attack that resulted.

Q: Should healthcare CIOs and CISOs expect an increase in advanced persistent threats and targeted ransomware in 2021?

A: Of the many things we’ve learned from COVID-19, the importance of logistics to the supply chain is near the top from my perspective. The fact that many hospitals were unable to obtain masks and other personal protective equipment (PPE) at the start of the pandemic demonstrated the fragility of the entire supply chain. The supply chain has become even sharper in the public mind now that COVID-19 vaccines are available.

When we talk about ransomware, its purpose is to harm an entire business operation, and an effective way to attack a business is to use its supply chain, to the extent of its weakest link. Each point in this supply chain depends on the point just before. Criminal organizations or nation states have tried to find the weakest element in a supply chain to attack and disrupt it. If they are successful, the chain breaks.

There has been an increase in advanced persistent threats due to the sheer lucrative opportunities for bad actors. In addition, they are becoming more and more efficient and experienced in this technique.

Targeted ransomware has proven to be the most effective way to monetize unauthorized access to company assets.

In the past, bad actors who stole data had to find a buyer on the dark web to get paid. Now, ransomware is not only blocking company assets, but cybercriminals are also stealing data. Their immediate goal is not to sell them (although this remains a secondary option) but to directly threaten hospitals by exposing this data. By pursuing this strategy, the bad actors are dealing with a single entity – the hospital – in their projects because they do not need to find a buyer for the stolen data.

Plus, they get their money faster, which again they can reinvest earlier in their next attack. Healthcare organizations end up paying twice: to get their operations back online and to keep their data from being exposed on the dark web. On top of that, because these funds fuel criminal organizations, hospitals can also be fined for unwittingly doing business with organizations on the government’s watch list.

Q: You say that in order to respond appropriately, hospitals need to deploy enterprise solutions instead of many local cybersecurity solutions. Why?

A: Gaining efficiency and simplifying things are key business goals. From an IT perspective, it is better to employ a corporate strategy for a network rather than a patchwork of firewalls and gateways. Criminal organizations often remind us through their actions that they just need to find a “crack” in a network foundation to reach important assets and spread malware, for example, while a healthcare network. must be secure and efficient everywhere.

The question healthcare IT managers ask themselves is, “How can we monitor and protect indoor and outdoor IT systems if they are in a patchwork?” It’s almost impossible. The SolarWinds example has shown that bad actors can stay under the radar for a long time. You don’t want to make their life easier by not being able to correlate unexpected behaviors from different parts of your network as they explore it, for example.

Therefore, it is imperative to have a holistic approach, which is more effective if different areas of the network behave and report activity consistently – one reason why IT cannot effectively monitor things if these things are connected in a fragmented way.

Another simple reason is this: if you have a patchwork, or systems doing more or less the same things per department on your network, you are actually increasing the attack surface, with each solution introducing its own vulnerabilities into your infrastructure. Being consistent allows better control of the risks of exposure to third-party solutions.

At Capsule, we take this to heart. One of the reasons we are comprehensive in our medical device integration is to give customers a single solution to protect and monitor.

Q: You also say that hospitals need to segment information systems, limit gateways or even isolate them. Why do you recommend this?

A: Here is an example from outside of health care. In 2014, cybercriminals breached the HVAC systems of each of the Target stores. Target’s ATMs and credit card readers resided on the same network as the HVAC systems. The bad actors, in turn, injected their code into point-of-sale devices at nearly every 1,700 Target stores and stole over 40 million credit and debit card details from their magnetic strips. They cloned the cards and made expensive purchases.

Of course, some Target executives had to resign because there was no reason for the HVAC systems and the credit card readers to be on the same network, which was contrary to the requirements of the data security standards of the payment card industry. Tens of millions of dollars have been spent by Target on regulations and remedies.

The main question becomes: “Why make the life of a criminal organization so easy?” Segmentation makes sense when you have two digital assets that don’t need to talk to each other. Don’t allow bad guys to easily switch from one to the other. Isolate important assets from other types of assets. If they need to talk to each other, make sure they are passing through a point that can be easily monitored and controlled.

Twitter: @SiwickiHealthIT
Send an email to the author: [email protected]Healthcare IT News is a publication of HIMSS Media.

Bad Credit Cards – How Vendor Organizations Should Respond to the Cyber ​​Security Threats of 2021

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How to find a place to live with bad credit Thu, 11 Mar 2021 06:18:51 +0000

Don’t let bad credit keep you from finding a new home.

It’s hard enough finding a place to live that fits your budget and where you can imagine yourself staying for the long term. But when you have bad credit, this home search becomes even more difficult.

Some homeowners won’t even consider your application if your credit isn’t good enough. Even if they consider it, if someone with better credit applies for the same location as you, the owner is almost certain to choose it.

It’s a frustrating situation, but it’s not hopeless. Here are the best strategies you can use to find a place to live when you have bad credit.

Image source: Getty Images

Rent from a private owner

Some rentals will have much stricter tenant requirements than others. For example, if a property management company is in charge of a rental, you can safely assume that bad credit will be a deciding factor. These businesses generally do not deviate from their minimum income and credit score requirements for potential tenants.

You might have better luck with an individual owner. This is when the rental owner also takes care of management tasks, including tenant inquiries. Individual owners may be more willing to work with you despite your bad credit.

Save and pay more up front

In some cases, you can convince a landlord to try your luck by paying rent several months in advance. It depends on both the landlord and part of the country, as some states have regulations on whether tenants can pay rent in advance.

While paying more rent up front isn’t an option, a large savings balance can still help find a spot. Homeowners typically charge applicants with bad credit a higher security deposit, so having the savings to pay this will help if you are approved. And being able to check your bank account balances could alleviate a landlord’s worries about your financial situation.

Rent a room or sublet

One way to potentially avoid a credit check is to rent to a tenant who already has an existing lease. Room rental and subletting are two good options that you can look for on rental ad sites. Since the tenant is trying to find a tenant in these situations, they will make the selection and likely not do a credit check.

There are some precautions you should take if you go this route:

  • Obtain a rental agreement so that you have proof that you are paying rent and that you live there.
  • Check that the owner or property management company agrees that you live there. If the tenant is planning to sneak up on you, you better find another place.

It’s also important that you carefully assess any potential roommate because trust me, the wrong roommate can make your life miserable. I have had great roommates in the past. I also had one who got mad at me when he couldn’t find his Star Wars figure.

Provide proof of your income

The biggest concern of a landlord is that you will pay the rent on time. Bad credit is a blow to you, but they may still be willing to hire you if you earn enough money and can provide proof of income.

How much money is enough? A standard rule used by many landlords is that the gross monthly income should be at least three times the rent. If you do more, it’s even better.

Get a reference letter from a previous owner

There are all kinds of reasons your credit score may drop, and a lot of them don’t relate to whether you would be a trustworthy and reliable tenant. By showing a potential landlord that you’ve been a model tenant in the past, you may be able to convince them to approve your application.

If you’ve rented a house before and left on good terms, ask the landlord for a letter of reference.

Find a co-signer

Do you know someone with good credit who is willing to co-sign the rental application? This could help you get approved as the landlord will perform a credit check on your co-signer and base their decision on that co-signer’s credit rating.

Not all owners accept co-signers, so you’ll need to find one that will. It can also be difficult to find a co-signer as they will be responsible if you damage the apartment, fail to pay the rent, or get evicted. But this method can qualify you for a home that you couldn’t get on your own.

A temporary solution

All of the strategies listed above are temporary solutions to help you meet your most pressing need: finding a new place to live. After dealing with this, your next step should be to build your credit so that you do not find yourself in this situation again.

To do this, make sure you pay your bills on the due date and don’t leave any balances on your credit card climb too high. By following good credit habits and keeping an eye on your score, it will end up being high enough that you can easily qualify for any home.

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The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

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