Thu.Mar 17, 2022

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4 Retirement Savings Strategies for Family Caregivers

Nerd Wallet

Taking care of an older parent, a child with disabilities or a loved one with a chronic disease can affect your emotional, mental and financial health. And this type of informal caregiving is a daily reality for about 48 million people in the U.S., according to AARP. Many caregivers say they’ve had to make sacrifices, Elizabeth Ayoola writes for NerdWallet.

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What to Do When Your Community’s MRTA Revitalization is Denied

Jimerson Firm

What happens when a proposed revitalization of covenants, restrictions, and other governing documents under the Marketable Record Title Act (MRTA) is denied by the Department of Economic Opportunity (DEO)? While MRTA revitalization may appear to be a relatively straightforward process, as outlined within Chapter 712 Fla. Statutes, approval of the revitalization by the DEO is not guaranteed, owing to the steady changes in DEO internal rules and processes.

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The NerdWallet Guide to Airbnb

Nerd Wallet

Lodging during your vacations or business trips doesn’t necessarily have to be a standard hotel, bed and breakfast or campground. These days, more and more travelers are staying at someone’s house, coordinated through home rental sites like Airbnb. Renting a vacation home via Airbnb can sometimes be the cheapest option. What’s more, on Airbnb you’ll.

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Business Insolvencies doubled in February

UK debt collections

Insolvency figures released this week by the Insolvency service for February 2022 showed corporate insolvencies more than doubled compared to the same month last year (1515 in February 2022 and 685 in February 2021). They were 13% higher than the number registered two years previously (pre-pandemic; 1346 in February 2020). In February 2022 there were 1,329 Creditors’ Voluntary Liquidations (CVLs), more than double the number in February 2021, and 40% higher than in February 2020.

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From Complexity to Clarity: Strategies for Effective Compliance and Security Measures

Speaker: Erika R. Bales, Esq.

When we talk about “compliance and security," most companies want to ensure that steps are being taken to protect what they value most – people, data, real or personal property, intellectual property, digital assets, or any other number of other things - and it’s more important than ever that safeguards are in place. Let’s step back and focus on the idea that no matter how complicated the compliance and security regime, it should be able to be distilled down to a checklist.

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How Buy Now, Pay Later Loans Could Alter Credit

Nerd Wallet

Expanding access to credit is a worthy goal. Too many people can’t get a mortgage or an emergency loan at a reasonable rate because they can’t show a solid credit history. They may pay more for insurance or make large security deposits to get utilities or rent an apartment. Recently, the three major credit bureaus. Liz Weston, CFP® writes for NerdWallet.

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What Is LTV? Why Loan-To-Value Ratio Matters

Nerd Wallet

The loan-to-value ratio is one of the key elements lenders consider when you apply for a mortgage, mortgage refinance or home equity loan or line of credit. Generally, a lower LTV will mean less risk for the lender and a lower monthly payment. What is LTV? The LTV — short for loan-to-value — ratio is. Barbara Marquand writes for NerdWallet. Email: bmarquand@nerdwallet.com.

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CFPB Massively Expands Enforcement of Anti-Discrimination Through UDAAP

Troutman Sanders

On March 16, the Consumer Financial Protection Bureau (CFPB or Bureau) unveiled an enormous change to its fair lending philosophy that will have major ramifications for financial services providers of all types. In a press release , the CFPB announced that it will begin targeting discrimination as an unfair practice under its unfair, deceptive, and abusive acts or practices (UDAAP) authority, vastly expanding the reach of its anti-discrimination enforcement beyond the limits of the Equal Credit

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Smart Money Podcast: How I Got Here: Tori Dunlap of Her First $100K

Nerd Wallet

Welcome to NerdWallet’s Smart Money podcast, where we answer your real-world money questions. This week’s episode is dedicated to an interview with Tori Dunlap, founder of the blog Her First $100K and the “Financial Feminist” podcast. Check out this episode on any of these platforms: Apple Podcasts Spotify Our take Think about money as a. Sean Pyles writes for NerdWallet.

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Change to Slip and Fall Law in Michigan – Might You Now Recover?

Fraser

For the past two decades, Michigan courts have held that persons who slip and fall on ice/snow have little or no right to recover from the landowner for their injuries because the hazard created by snow and ice is “open and obvious” and therefore no duty to warn is owed to the injured person. An exception to this so-called “open and obvious” defense has recently been created by Michigan’s appellate courts.

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When It Comes to Collections Software, “Good Enough” Isn’t Good Enough

Are you finding some snags in your collections process? With delinquencies, and the number of consumers looking for payment assistance on the rise, it may be time to consider an efficient cloud-based software to support your team. Learn how MeridianLink® Collect has helped financial institutions like yours streamline collections processes.

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Purchase Order Financing: What It Is and How to Get It

Nerd Wallet

Purchase order financing, also known as PO financing, gives you the ability to pay your suppliers for the goods you need to fulfill outstanding customer orders. This type of financing can make sense for small businesses that receive more sales and orders than they have inventory or cash to complete — and don’t want to. Randa Kriss writes for NerdWallet.

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Mibanco Expands Microlending, Helps Customers During Pandemic

Fico Collections

Loans That Improve Lives. Mibanco, the largest microfinance bank in both Peru and Latin America, has used FICO Platform’s Decisions Capability to boost its lending capacity and respond quickly to changing market conditions during the pandemic. The transformational project has reduced the time taken to put policy into production by 90 percent and cut annual IT development expenditure by 20 percent, allowing Mibanco to better serve thousands of its customers. .

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What’s the Value of Chase Ultimate Rewards Points? 

Nerd Wallet

Chase Ultimate Rewards® points are some of the most sought-after travel rewards points out there. They are flexible, popular and valuable. But how valuable? Based on our most recent analysis, Chase points are worth between 1 cent and 1.9 cents each, depending on how they’re used and which card they were earned with. This wide. Sam Kemmis writes for NerdWallet.

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Will you be bankrupt forever?

Roths Child Law

You can’t pay your debts, and you know bankruptcy can help you get out of a difficult situation. Yet sometimes quick fixes come with long-term consequences that make your regret your initial decision. Does this apply to bankruptcy? Will you be walking around with your financial record hung around your neck forever after? Will people treat you as an outcast and close their doors in your face when they see you coming?

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ERM Program Fundamentals for Success in the Banking Industry

Speaker: William Hord, Senior VP of Risk & Professional Services

Enterprise Risk Management (ERM) is critical for industry growth in today’s fast-paced and ever-changing risk landscape. When building your ERM program foundation, you need to answer questions like: Do we have robust board and management support? Do we understand and articulate our bank’s risk appetite and how that impacts our business units? How are we measuring and rating our risk impact, likelihood, and controls to mitigate our risk?

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Best Medicare Advantage Plans in New Jersey

Nerd Wallet

More than 1.6 million people in New Jersey are signed up for Medicare, placing it in the top half of U.S. states for Medicare beneficiaries. Medicare is the government health care program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some. Kate Ashford writes for NerdWallet.

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Continued Wait Time for CPRA Regulations

Troutman Sanders

California Privacy Protection Agency Director Ashkan Soltani recently announced that long-awaited regulations related to the California Privacy Rights Act (CPRA) would be delayed. The agency initially scheduled a July 1 deadline to promulgate regulations and allow companies time to comply with the CPRA, which is set to be enforced beginning July 1, 2023.

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What Is My Credit Card Interest Rate?

Nerd Wallet

A credit card interest rate — also called an annual percentage rate or APR — refers to the extra amount you’ll owe each month if you don’t pay your credit card bill in full. Here are some answers to basic questions about your APR. What is a credit card APR? A credit card APR represents. Gregory Karp writes for NerdWallet. Email: gkarp@nerdwallet.com.

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Data breach prevention and response: Lessons from the CafePress case

Public Citizen

A Federal Trade Commission blog post about data breach and prevention is here.

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You Put in a Full Work Week. Shouldn’t Your Collections Software Do the Same?

Discover a modern, cloud-based collection system that never takes a rest day. MeridianLink® Collect is an intuitive platform with advanced customization options developed to simplify the collections process. Here are four ways MeridianLink Collect can support your team: Omnichannel communications Compliance rules & checklists Workflows & queues One interface with supporting integrations And that’s just the start.

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How to Become a Dental Hygienist

Nerd Wallet

Dental hygienists are expected to remain in demand as the need for dental services grows with the graying baby boom generation. They work in dentists’ offices to clean teeth, assess oral health, take X-rays and document treatment plans. To become a dental hygienist, you’ll need at least an associate degree and to get licensed in. Anna Helhoski writes for NerdWallet.