This slide deck examines new product releases from credit card carriers in our Credit Card Monitor coverage group. Inside, we provide an overview of the new credit cards introduced on the firms’ websites over the course of 2015 and highlight their key features.
This presentation covers the credit card business and highlights the many different types of credit cards available, how credit cards are processed and the major credit card issuers.
This presentation covers the credit card business and highlights the many different types of credit cards available, how credit cards are processed and the major credit card issuers.
Just as there are too many credit card companies to count, there seems to be just as many different credit cards, all claiming to offer you the best possible deal.
Full details here: http://www.badcreditresources.com/different-types-credit-cards-features
Connect with us:
Like us: https://www.facebook.com/BadCreditResources
Follow us: https://twitter.com/BadCreditExpert
G+: https://plus.google.com/u/1/b/117978576535187359303/+Badcreditresources/posts
Just as there are too many credit card companies to count, there seems to be just as many different credit cards, all claiming to offer you the best possible deal.
Full details here: http://www.badcreditresources.com/different-types-credit-cards-features
Connect with us:
Like us: https://www.facebook.com/BadCreditResources
Follow us: https://twitter.com/BadCreditExpert
G+: https://plus.google.com/u/1/b/117978576535187359303/+Badcreditresources/posts
WEBCON Rental Marketing Awards were presented by Host Ben Mulroney on May 13th 2015 at the Pearson Convention Center in Toronto, Ontario. Winners and runner-ups are all highlighted in this presentation showing where each company placed after judging, first, second and third.
A Secretaria Municipal de Educação do Município de Colômbia-SP comunica aos professores de Educação Básica I aprovados e classificados no Processo Seletivo 001/2016 da Prefeitura de Colômbia-SP, que compareçam hoje (22/02/2016) às 18 horas nas dependências da Secretaria Municipal de Educação sito a Rua Bahia, 200, para sessão de atribuição de classes e/ou aulas livres e em substituição para o ano letivo de 2016.
This slide deck examines new product releases from credit card carriers in our Credit Card Monitor coverage group.
Inside, we provide a rundown of the new credit cards introduced on the firms’ websites during the first six months of 2015, and highlight their key features.
This slide deck examines new product releases from credit card carriers in our Credit Card Monitor coverage group.
Inside, we provide a rundown of the new products introduced on the firm’s websites during the 2014 year, and highlight their key features.
This slide deck examines new product releases from 11 credit card carriers in the Credit Card Monitor coverage group in the first half of 2016. Inside, we highlight basic fee information, rewards criteria and specific standout features unique to each card and include a chart showing what firms feature which digital payment services for their product offerings.
Property and Casualty Insurance Monitor Awards PreviewCorporate Insight
The eighth annual P&C Insurance Monitor Awards Report highlights the best digital capabilities offered by insurers in five key areas: Public Site Homepages, Policyholder Site Homepages, Bill Pay, Homeowners Quote Tools and Mobile App Roadside Assistance. We provide best-in-class examples for each of the topics covered and explain why we consider these offerings to be industry leaders.
Pitch Deck To Raise Funding From Subordinated Loan PowerPoint Presentation Sl...SlideTeam
It covers all the important concepts and has relevant templates which cater to your business needs. This complete deck has PPT slides on Pitch Deck To Raise Funding From Subordinated Loan PowerPoint Presentation Slides with well suited graphics and subject driven content. This deck consists of total of fourty two slides. All templates are completely editable for your convenience. You can change the colour, text and font size of these slides. You can add or delete the content as per your requirement. Get access to this professionally designed complete deck presentation by clicking the download button below. https://bit.ly/2PQIJKb
This slide deck examines new product releases from 11 credit card carriers in the Credit Card Monitor coverage group in the first half of 2017. Inside, we highlight basic fee information, rewards criteria and specific standout features unique to each card and include a chart showing what firms feature which digital payment services for their product offerings.
Virtual card payments are a great way to pay suppliers while reducing expenses and generating revenue. If you already use a purchasing card or electronic payments through your bank to pay your suppliers and vendors, you may be missing the big picture in supplier payments optimization.
The fact is, most treasury bank programs fall short in supplier conversion success rates. Store Financial is a full-service provider, encompassing the entire process chain, which ensures maximum supplier conversion to card payments. Plus, Store Financial has the most secure B2B payment solution available – more secure than check, credit card and ACH payments, and even other virtual card payments.
Utilizing our Custom Loop™ platform, the highest level of payment security is achieved. Custom Loop™ is a controlled authorization process that keeps only your selected network of suppliers and vendors “in the loop” for the right payment, in the right amount, at the right time. We remove all the noise and clear the way to engage your suppliers in a one-on-one payment relationship, allowing you to strengthen ties – and your brand.
To find out how you can utilize Store Financial’s Custom Loop™ platform to emphasize your brand while servicing your customers and optimizing your payment process, see our presentation titled, Transform Accounts Payable Into a Revenue Center.
Business Strategy for Banks and Credit UnionsSerge Milman
Webinar presented on August 7, 2013 on WhyBusiness Strategy is Essential for Community Banks and Credit Unions. Recording of the webinar can be accessed http://bankblog.optirate.com/business-strategy-essential/
Customer Analytics in Banking: Understand Your CustomersKavika Roy
Customer analytics is the process of understanding customers to streamline banking products and services. It is also an integral part of banks’ strategies to achieve their goals and increase revenue.
Read on to understand the role and effectiveness of customer data analytics in the banking industry.
Corporate Insight's 2014 Monitor Awards are out! The awards honor financial services firms for excellence in the online user experience they offer prospects, clients and advisors. Throughout the month of February, we will be releasing a series of slide decks highlighting the firms that received Gold Monitor Awards. Each of the nine slide decks will focus on a specific industry within financial services.
The 13
th annual Annuity Monitor Awards Report highlights the best digital annuity tools and features offered
by firms in six key areas: Retirement Education Resources, Retirement Saving Calculators, Account Owner
Document Centers, Account Owner Self Service Capabilities, Advisor Search and Book of Business.
Announcing the Gold Medal Winners of the Advisor Monitor AwardsCorporate Insight
The 18th annual Asset Management Monitor Advisor Awards Report offers a broad benchmarking of advisor websites across five key categories: Fund Profiles, Homepages, Commentary and Thought Leadership, Retirement Tools, and Literature Centers. We provide best in class examples for each of the
topics covered and explain why we consider these offerings to be industry leaders.
The 18th annual Asset Management Monitor – Investor Awards Report offers a broad benchmarking of investor websites across five key categories: Public Homepages, Secure Site Homepages, Fund Profile Pages, Help Center and Virtual Assistance, and Retirement Planning Calculators.
This quarter, we are proud to present our first Digital Advice Awards Report, detailing the best features of
robo advisor offerings and functionalities across seven key areas. In our analysis, we review the following
offerings and capabilities for the 16 firms in the Digital Advice Monitor coverage group: Product Offering;
Investor Questionnaire; Account Information; Goal Progress Tracking; Holistic Portfolio Analysis; Fund &
Account Transfers; and Mobile Capabilities. Each category includes a distinct set of attributes and criteria
based on our proprietary Digital Advice Audit that we use to assess and rank firms.
In this free slide deck, we examine new product releases from annuity carriers and life insurers covered in Corporate Insight’s
Annuity Monitor and Life Insurance Monitor research services. These include new releases from Allianz, Fidelity, Lincoln and Prudential. We provide a rundown of all new products released in the second quarter of 2019 and highlight their key features.
In this free slide deck, we examine new product releases from annuity carriers and life insurers covered in Corporate Insight’s Annuity Monitor and Life Insurance Monitor research services. These include new releases from Lincoln Financial, Nationwide and Prudential. We provide a rundown of all new products released in the first quarter of 2019 and highlight their key features.
Annuity and Life Insurance Product Update Q3 & Q4 2018Corporate Insight
This slide deck examines product releases from annuity carriers and life insurers covered in Corporate Insight's Annuity Monitor and Life Insurance Monitor research services. We provide a rundown of new products introduced on coverage group firms' websites in the second half of 2018 and highlight their key features.
The mobile channel has become a strategic priority for financial services firms looking to attract and retain younger clients. Nearly all large and mid-sized financial intuitions allocate sizeable budgets devoted to improving their mobile properties, focusing on mobile app enhancements. In 2018, Corporate Insight’s Mobile Monitor service saw banks, card providers, brokerages and asset management firms update their app capabilities at a rapid pace.
This slide deck examines new product releases from 11 credit card carriers in the Credit Card Monitor coverage group over the course of 2018. We highlight basic fee information, rewards criteria and specific standout features unique to each card product offering.
Annuity and Life Insurance Product Update - Q2 2018Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of the new products introduced on the firms’ websites in the second quarter of 2018 and highlight their key features.
Corporate Insight is proud to unveil our 15th annual Asset Management Monitor – Advisor Awards, offering a broad benchmarking of the advisor websites across six key categories: Advisor Homepages, Commentary & Thought Leadership, Literature Order Systems, Multimedia, Investor Education and New Tools.
As in past years, we assign the gold medal to firms that present exceptional offerings within given categories. We award a silver medal for firms that offer similar value but lack some of the outstanding attributes and functions of the best offerings. We give the bronze medal to firms that offer a unique or noteworthy version of a feature but do not meet our highest standards for a given category. In this slide deck, we highlight the gold medal winners across all categories.
Corporate Insight is pleased to present our sixth annual Property and Casualty Insurance Monitor Awards, in which we highlight the top features on websites and mobile apps among our coverage group. This year, we benchmark industry leaders across six critical, high-level categories, awarding gold, silver and bronze medals based on how well firms meet our criteria.
We reserve the gold medal for site or app features that offer an exceptionally valuable service in an efficient, logical design. We present the silver medal for features of similar value with a few small drawbacks. Finally, we award a bronze medal for those features that are admittedly imperfect but still offer clients a noteworthy service. In this slide deck, we highlight the gold medal winners across all categories.
With 2017 coming to a close, we present the second annual Healthcare Monitor Awards, offering an analysis of the state of the health insurance industry in terms of the best digital resources available to members. This year we benchmark industry leaders across six critical categories, awarding gold, silver and bronze medals based on how well firms meet our criteria.
The gold medal is reserved for capabilities that offer an exceptionally valuable service to members in a user-friendly interface. The silver medal recognizes resources that offer strong functionalities while suffering from a few small flaws. Finally, the bronze medal goes to resources that, though imperfect, offer members an excellent or uniquely valuable service. In this slide deck, we highlight the gold medal winners across all categories.
Corporate Insight is pleased to introduce the results of our sixth annual Life Insurance Monitor Awards. We benchmark the life insurance industry across six critical categories in which we award gold, silver and bronze medals.
As in past years, the gold medal is reserved for exceptionally valuable services. We award the silver medal for features with similar value that lack some of the outstanding attributes and functions of the best offerings. The bronze medal recognizes firms with a strong or unique service that do not meet the highest standards in the category. In this slide deck, we highlight the gold medal winners across all categories. These medals reveal where the insurance industry is succeeding in the development of digital features.
Our analysis focuses only on specific attributes and does not attempt to rate the overall quality of the sites or apps that we review. Excellence in select areas may earn firms some distinction in this report, but readers should keep in mind that medals are awarded for highly focused, individual categories and are not intended as general endorsements.
Annuity and Life Insurance Product Update - Q4 2017Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in Corporate Insight’s Annuity Monitor and Life Insurance Monitor research services. Inside, we provide a rundown of new products introduced on coverage group firms’ websites in the fourth quarter of 2017 and highlight their key features.
Corporate Insight is pleased to introduce the results of our 11th annual Annuity Monitor Awards. We benchmark the annuity industry across six critical categories, awarding gold, silver and bronze medals in each based on how firms meet our criteria.
As in past years, the gold medal is reserved for exceptionally valuable services. The silver medal rewards features with similar value that lack some of the outstanding attributes and functions of the best offerings. The bronze medal recognizes firms with a strong or unique service that do not meet the highest standards in the respective category.
Our analysis focuses only on specific attributes and does not attempt to rate the overall quality of the sites or apps that we review. Excellence in select areas may earn firms some distinction in this report, but readers should keep in mind that medals are awarded for highly focused, individual categories and are not intended as general endorsements.
This slide deck examines new product releases from 11 credit card carriers in the Credit Card Monitor coverage group over the course of 2017. We highlight basic fee information, rewards criteria and specific standout features unique to each card and include a chart showing what firms feature which digital payment services for their product offerings.
Annuity and Life Insurance Product Update - Q3 2017Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in Corporate Insight’s Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of new products introduced on coverage group firms’ websites in the third quarter of 2017 and highlight their key features.
Annuity and Life Insurance Product Update - Q2 2017Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services.
Inside, we provide a rundown of new products introduced on the firms’ websites in the second quarter of 2017 and highlight their key features.
Annuity and Life Insurance Product Update - Q1 2017Corporate Insight
This slide deck examines new product releases from annuity carriers and life insurers covered in our Annuity Monitor and Life Insurance Monitor research services. Inside, we provide a rundown of the new products introduced on the firms’ websites in the first quarter of 2017 and highlight their key features.
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
BYD SWOT Analysis and In-Depth Insights 2024.pptxmikemetalprod
Indepth analysis of the BYD 2024
BYD (Build Your Dreams) is a Chinese automaker and battery manufacturer that has snowballed over the past two decades to become a significant player in electric vehicles and global clean energy technology.
This SWOT analysis examines BYD's strengths, weaknesses, opportunities, and threats as it competes in the fast-changing automotive and energy storage industries.
Founded in 1995 and headquartered in Shenzhen, BYD started as a battery company before expanding into automobiles in the early 2000s.
Initially manufacturing gasoline-powered vehicles, BYD focused on plug-in hybrid and fully electric vehicles, leveraging its expertise in battery technology.
Today, BYD is the world’s largest electric vehicle manufacturer, delivering over 1.2 million electric cars globally. The company also produces electric buses, trucks, forklifts, and rail transit.
On the energy side, BYD is a major supplier of rechargeable batteries for cell phones, laptops, electric vehicles, and energy storage systems.
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new product—it signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
1. COPYRIGHT 2016 CORPORATE INSIGHT, INC.
AUTHOR: MICHELLE AMMIRATI
PUBLISHED: JANUARY 2016
CREDIT CARD PRODUCT UPDATE
2015 YEAR IN REVIEW
2. ABOUT CORPORATE INSIGHT
Connect With Us
Corporate Insight provides competitive intelligence and user experience research to the nation’s
leading financial institutions. For over 20 years, the firm has tracked technological developments in the
financial services industry, identifying best practices in online banking and investing, online insurance,
mobile finance, active trading platforms, social media and other emerging areas. There are no
assumptions in Corporate Insight’s work – we use live accounts at all of the firms we research, providing
our clients with unparalleled, unbiased intelligence on the competition.
MICHELLE AMMIRATI
Senior Research Associate
(646) 751-6963
mammirati@corporateinsight.com
MEDIA INQUIRIES
Joshua Grandy, Director of PR
(646) 876-7524 | @CInsightNews
jgrandy@corporateinsight.com | pr@corporateinsight.com
Press Coverage
3. TABLE OF CONTENTS
Background
Overview
Credit Cards
o American Express
o Bank of America
o Barclaycard
o Citicards
o Discover
o PNC Bank
o U.S. Bank
New Payment Services
Removed Cards
Corporate Insight Syndicated Studies
Corporate Insight Thought Leadership
About the Author
4. BACKGROUND BACKGROUND
This slide deck examines new
product releases from credit
card providers in our Credit
Card Monitor coverage group.
Inside, we provide an
overview of the new credit
cards introduced on the firms’
websites over the course of
2015 and highlight their key
features.
5. CREDIT CARD MONITOR
Credit Card Monitor was launched in 2001 and focuses on the online user
experience that leading credit card issuers provide card holders and prospects.
Using actual accounts, Credit Card Monitor gives a first-hand look at current online
capabilities including client account information, transaction resources, interactive
tools, customer service and account documents. Credit Card Monitor follows the
card products and services offered by competitors across the credit card industry,
giving an up close look at what other firms are doing to attract new clients.
Below is a list of the firms we track for our Credit Card Monitor research service:
Credit Card Monitor
o American Express
o Bank of America
o Barclaycard US
o Capital One
o Chase
o Citicards
o Discover
o PNC Bank
o USAA
o U.S. Bank
o Wells Fargo
BACKGROUND
6. OVERVIEW CREDIT CARD PRODUCT RELEASES
This Credit Card Product Update slide deck examines new product
releases during the 2015 year from all credit card carriers in our
coverage group.
The coverage group launched eight new cards in 2015 that are
currently being promoted online. Of these, five are completely new
products, one is an extension of a co-brand platform, one was
previously issued by Chase and one is a re-issued card through
MasterCard. The credit cards in this slide deck lean toward a focus on
rewards. All but one credit card product released in 2015 give users
the ability to earn points, miles and cash back with their purchases.
2015 saw the release of a number of payment services as well.
This deck highlights basic fee information, rewards criteria and specific
standout features unique to each card and includes a chart showing
which firms feature which payment services for their product offerings.
7. AMERICAN EXPRESSCREDITCARDS
Plenti Card from AmEx
0% introductory APR on purchases for 12 months
14.99% or 24.99% variable APR thereafter
3-2-1 points per dollar: 3 points at supermarkets, 2 at restaurants and 1
on all other purchases
5,000 point bonus for spending $250 in the first three months
1,000 Plenti points = $10 in savings
No annual fee
Standout Feature:
3-2-1 points
Introduced: May 2015; rates and fees as of December 2015
8. BANK OF AMERICA
Amtrak Guest Rewards World MasterCard
12.99 - 22.99% APR on purchases and balance transfers
5% point rebate for award travel redemption
Base earnings rate of 1 point per $1 spent
Bonus 2 pts/$1 spent on travel and 3 pts/$1 spent on Amtrak purchases
Complimentary passes for lounge access, upgrades and companion coupons
$79 annual fee
CREDITCARDS
Standout Feature:
Accelerated travel and Amtrak earnings
Introduced: October 2015 (previously available from Chase Bank); rates and fees as of December 2015
9. BARCLAYCARD
Barclaycard CashForward World MasterCard
0% introductory APR on purchases and balance transfers for 12 months
14.99%, 18.99% or 22.99% APR on purchases and balance transfers
1.5% cash rewards on every purchase
5% rewards bonus upon redemption, applicable to next redemption
$100 cash bonus after card holders spend $500 within first three months
No annual fee
CREDITCARDS
Standout Feature:
5% cash rewards redemption bonus
toward your next redemption
Introduced: December 2015; rates and fees as of December 2015
10. CITICARDSCREDITCARDS
Citicards AT&T Access More Card
14.99% - 22.99% APR on purchases and balance transfers
1 point per $1 spent
3x bonus ThankYou points for AT&T, online retail and travel purchases
Up to $650 phone rebate
$95 annual fee
Introduced: May 2015; rates and fees as of December 2015
Standout Feature:
3x ThankYou points
11. DISCOVERCREDITCARDS
Discover it Miles
12 month 0% introductory APR on purchases; 10.99% balance transfer APR
10.99% - 22.99% purchase and balance transfer APRs thereafter
1.5 miles earned per $1 spent
1 mile earned = $0.01 redeemable
Double miles on total first year earnings
$30 credit for in-flight Wi-Fi purchases annually
No annual fee
Introduced: March 2015; rates and fees as of December 2015
Standout Feature:
Travel rewards
12. DISCOVERCREDITCARDS
Discover it NHL Card
12 month 0% introductory APR on purchases and balance transfers
10.99% - 22.99% variable APR thereafter
5% cash back with quarterly spending categories
1% cash back on all other purchases
10% off Shop.NHL.com purchases
No annual fee
Introduced: May 2015; rates and fees as of December 2015
Standout Feature:
NHL affiliation rewards
13. PNC BANKCREDITCARDS
PNC Core Visa Card
15 month 0% introductory APR on purchases
15 month 0% introductory APR on balance transfers when transfer occurs
within first 90 days of account opening
9.99% - 19.99% variable APR thereafter
No annual fee
Introduced: July 2015; rates and fees as of December 2015
Standout Feature:
Low minimum APR
14. U.S. BANKCREDITCARDS
REI MasterCard
10.99% - 22.99% purchase and balance transfer APR; no
introductory APRs
5% back at REI
2% back on grocery purchases
1% back on everything else
No annual fee
Re-Issued as a MasterCard Product: April 2015; rates and fees as of December 2015
Standout Feature:
REI member exclusive
15. NEW PAYMENT SERVICES
Firm Apple Pay Android Pay Samsung Pay
American Express Yes Yes Yes
Bank of America Yes Yes Yes
Barclaycard US Yes No No
Capital One Yes Coming Soon No
Chase Yes No Yes
Citicards Yes Yes Yes
Discover Yes Yes Yes
PNC Bank Yes Yes No
USAA Yes Yes No
U.S. Bank Yes Yes Yes
Wells Fargo Yes Yes No
NEWPAYMENTSERVICES
16. REMOVED CARDS
Firm Cards
American Express
Blue Sky Preferred Card
JetBlue Card
TrueEarnings from Costco
Bank of America Spirit Airlines Platinum Plus MasterCard
Barclaycard US
Best Western Rewards MasterCard
Gulf Platinum MasterCard
U.S. Airways Premier World MasterCard
Capital One Platinum Prestige
Chase
IHG Rewards Club Credit Card
Amtrak Guest Rewards MasterCard
Discover Discover it Chrome Card
PNC Bank PNC Flex Visa
U.S. Bank Caché Visa Card
REMOVEDCARDS
17. CORPORATEINSIGHTSYNDICATEDSTUDIES
18
CORPORATE INSIGHT SYNDICATED STUDIES
Next-Generation Investing 2015: Digital Advice Matures
Next-Generation Investing 2015: Digital Advice Matures is our new comprehensive study on the leading investing and
personal-finance related startups in the digital advice industry. The study covers the past, present and future of these
fintech firms and provides particular value to firms facing the decision to buy, build or white-label a new financial
technology solution.
Release Date: September 2015 | Download Study Preview
Mobile Innovators 2015
Mobile Innovators 2015 is our special syndicated study that reviews the digital experience offered by leading financial apps in the
payments, banking and investing space. In the study, we offer an inside view of the mobile design and capabilities offered by
industry disruptors, giving established firms competitive insights to improve customer satisfaction and loyalty.
Release Date: August 2015| Download Study Preview
The Changing Face of Financial Advice – 2015 and Beyond
The Changing Face of Financial Advice: 2015 and Beyond analyzes the challenges that financial advisors face in serving
their clients, opportunities that exist for improving current customer satisfaction and acquiring new clients, and how
the FA-client relationship is poised to evolve due to industry, demographic and technological factors.
Release Date: April 2015| Download Study Preview
18. CORPORATE INSIGHT THOUGHT LEADERSHIP
Responsive Design in the Retirement and Insurance Industries
In this slide deck, we examine how firms in the retirement and insurance industries have responded to growing
consumer demand by introducing new and redesigned websites. The slide deck focuses on responsive websites
developed in 2014 and predictions for website redesign in 2015 and beyond.
Online Communities Across Financial Services: American Express, Bank of America and TIAA-CREF
This slide deck examines the design and capabilities offered by each firm’s online community, with a focus on
noteworthy site features. We also provide tips for financial services firms looking to improve their online
communities.
The Complete Bitcoin User Experience: Mining, Exchanges, Wallets and Beyond
This study provides a detailed analysis of how Bitcoins are created, traded and stored. The study includes reviews of
the top websites and online services driving the Bitcoin marketplace including Slush’s Pool, Blockchain.info and
Coinbase, among others.
2014 Mobile Finance Trends and Innovations
This study draws on our ongoing tracking of the industry, as well as relevant developments outside of the financial
services space. The study includes commentary on mobile developments, key takeaways for financial services firms
and thoughts on what is next for mobile finance.
Senior Citizens & Mobile Finance: Design & Support Solutions to Empower the Senior Set
Using CI’s user-testing expertise and ongoing mobile finance research, this slide deck highlights specific areas where
seniors may struggle with financial services apps, and offers design and support solutions that will give this valuable
audience the comfort and confidence to engage in mobile finance.
CORPORATEINSIGHTTHOUGHTLEADERSHIP
19. ABOUT THE AUTHORABOUTTHEAUTHOR
Michelle Ammirati
Senior Research Associate
Michelle Ammirati is a Senior Research Associate at Corporate Insight. She has conducted
extensive research on the credit card industry’s online customer service platforms and
financial tools. This product review is the result of Michelle’s interest and continued research
into the financial catalogues of credit card industry innovators.
Contact Michelle Ammirati:
(646) 751-6963
mammirati@corporateinsight.com
Connect with Michelle
Connect with CI:
Credit Card Monitor is a service mark of Corporate Insight, Inc.; all rights reserved.
19