Scipion Thu, 29 Sep 2022 07:38:36 +0000 en-US hourly 1 Scipion 32 32 King Arthur Baking Company advances its commitment to sustainability Thu, 29 Sep 2022 06:12:36 +0000

Advancing its commitment to environmental and social stewardship, King Arthur Baking Company (KABC), a 100% employee-owned founding company, today launched its new sustainability platform with positive ambitions for the planet and people. people to restore nature and build a more equitable environment. world. This high commitment will guide how King Arthur Baking Company balances purpose and profit to transform operations to achieve the company’s 2030 sustainability goals: from protecting natural resources through agriculture, responsible sourcing of ingredients and products, increasing supplier diversity and promoting equity in baking. community.

“The launch of our 2030 sustainability goals epitomizes King Arthur’s long-standing commitment to creating a positive impact on the environment and the communities we serve,” said Suzanne McDowell, Vice President of Social Responsibility. business and sustainability at King Arthur Baking Company. “As a Certified B company, we have transparently measured our environmental and social impact against rigorous standards since 2007. Now we hold ourselves to an even higher standard with ambitious goals and an aggressive timeline because we believe that we must be careful of our most precious resources – our people and our planet.”

King Arthur Baking Company’s 2030 sustainability goals are anchored around two pillars in which the company will take action and track progress:

  • restore nature
    • Regenerative Agriculture: By 2030, King Arthur is determined to lead regenerative agriculture. 100% of the flour in its bags will be ground from regeneratively grown wheat.
    • Reduction of emissions: King Arthur will reduce its carbon footprint and engage across its value chain on the climate crisis. All current KABC facilities will use 100% renewable energy by 2030 and supply chain greenhouse gas (GHG) emissions will be reduced by 30%.
    • Packaging: King Arthur will develop all packaging to include 100% deforestation-free fiber and a minimum of 50% post-consumer recycled (PCR) content.
    • Waste: King Arthur will reduce waste generation, recycle and compost responsibly and strive to eliminate waste to landfills at all facilities by 2030.
  • Fostering a fair world
    • Responsible Purchasing & Supplier Diversity: 100% of high-risk suppliers must comply with the environmental and social requirements of the Code of Conduct. 100% of key ingredients will be sustainably sourced and supplier diversity will be maximized.
    • Workplace: King Arthur will create a culture in which all employee-owners feel welcomed, respected and valued through increased workforce diversity, the launch of home groups and executive compensation linked to building inclusive and diverse teams.
    • Bakers: King Arthur will build a world of baking that is inclusive and truly open to everyone – diversifying bakery products, content, contributors and consumers.
    • Communities: King Arthur will generate opportunity, advance equity and improve food justice; leverage its brand voice to advance policy and inspire consumers to transform food systems to be more regenerative, nutritious and just.

Sustainability has always been a core value for King Arthur Baking Company. The company has already entered into long-standing partnerships with farmers, millers and suppliers in an ongoing commitment to sustainability. “We know we have a lot to learn and important work to do to create meaningful and lasting impact,” McDowell said. “While we don’t have all the answers, we rise to the challenge because we know change is essential and we look forward to sharing King Arthur’s journey towards creating a more sustainable and equitable world through the power of pastry.”

To learn more about King Arthur’s commitment to environmental and social sustainability, please visit:

About King Arthur Baking Company:
King Arthur Baking Company has been sharing the joy of baking since 1790. Based in Norwich, Vermont, a certified B Corp, 1% for the Planet member and 100% employee-owned, King Arthur Baking is the baking resource ultimate, providing the highest quality ingredients for the most delicious baked goods, while inspiring relationships and community through baking. King Arthur’s superior flours and mixes are available in supermarkets nationwide. Visit for more specialty baking items, mixes, gluten-free products, recipes, guides and more. Follow King Arthur Baking Company on Facebook, Instagram or Twitter.

SOURCE King Arthur Baking Company

SMC gets triple-A rating for planned bond issuance – Manila Bulletin Tue, 27 Sep 2022 07:03:00 +0000

Diversified conglomerate San Miguel Corporation has received the highest issue credit rating of PRS Aaa from Philippine Rating Services Corporation (PhilRatings) for its planned P60 billion bond issue.

PhilRatings said SMC is planning a 40 billion peso bond issue with an oversubscription of options of up to 20 billion pesos. SMC previously disclosed plans for a 60 billion peso issue with a 20 billion peso oversubscription option.

The rating agency said it also maintained its issue credit rating of PRS Aaa, with a stable outlook, for SMC’s outstanding rated bonds of 103.3 billion pesos.

Obligations rated PRS Aaa are of the highest quality with minimal credit risk and the obligor’s ability to meet its financial commitment on the obligation is extremely strong. A stable outlook means that the rating is likely to be maintained over the next 12 months.

PhilRatings said the assigned ratings and corresponding outlook took into account SMC’s diverse portfolio of market-leading companies and its seasoned management team.

SMC’s sustained profitability, driven by the continued recovery of large companies, albeit tempered by external headwinds, is also taken into account; and its adequate liquidity, supported by stable cash flow generation.

PhilRatings said SMC’s business enjoys strong market positions anchored on widely recognized brands with a strong track record.

Given the scale of its operations and the importance of its market position, the aggregate sales of SMC’s business accounted for approximately 4.9% of the country’s gross domestic product (GDP) in 2021.

SMC has recovered strongly from the impact of the pandemic, closing the first six months of 2022 with consolidated sales of 711.4 billion pesos.

This figure was up 73% year-on-year (YoY), driven by continued volume growth and improved selling prices across all businesses.

However, prevailing economic headwinds hurt performance for the period. There was a marked increase in costs due to higher prices for fuel, coal products and certain raw materials. Interest expense and other financing costs also increased due to higher average interest rates.

In addition, SMC recorded significantly higher foreign exchange and derivative losses due to the depreciation of the Philippine peso against the US dollar. The above translated into a consolidated net profit of 19.8 billion pesos in the first half of 2022, down 33% year-on-year.

Nevertheless, the Group’s cash flow remained positive over the period and supports a healthy liquidity position. At the end of June 2022, cash and cash equivalents amounted to 302.9 billion pesos.

The current ratio remained more than adequate at 1.2 times in the first half of 2022. The acid test ratio was also within acceptable levels at 0.8 times.



2022-09-26 | Press release | Incubara Capital Corp. continues to focus on incubation and funding to support virtual and augmented reality content creators and intellectual property (IP) holders in the $52.03 billion VR/AR market Mon, 26 Sep 2022 23:06:38 +0000

Vancouver, British Columbia–(Newsfile Corp. – September 26, 2022) – Incubara Capital Corp. (“Company”) provides the following update, effective January 1, 2022, the Company has focused on its core business of incubation VR/AR (XR) content creation and IP purchase/participation.

AR/VR Market Expected to Be Worth $52.03 Billion by 2028*. In 2022, there has been a proliferation of hardware vendors supporting the industry, however, the production of VR/AR content remains fragmented and is mostly produced by independent studios with limited resources. This situation has created a window of opportunity for an enterprising company to support the active development of high-quality VR/AR content and become the foundation for the next generation of entertainment and content producers.

The company’s approach is two-pronged. First, we will identify and acquire promising existing IPs that do not yet have a path to VR. Second, we will support an elite selection of leading game developers, writers and producers, attracting talent from the gaming and film industries, in the production of high-quality IP of which Incubara holds significant ownership. .

“By focusing our efforts on VR/AR intellectual property and content acquisition, we will be able to take advantage of this unique window of opportunity,” explained Jason Walsh, founder of Incubara. “Ownership of intellectual property provides the opportunity to retain ownership of assets that will continue to create long-term value, and we are already actively working with some of the best professionals, and in discussions to acquire a number of intellectual properties promising, and we look forward to sharing more information in the near future.”

About Incubara Capital Corp.

Incubara Capital Corporation is a strategic capital partner that provides incubation, seed funding and management support to virtual reality, augmented reality (VR/AR) content creators and intellectual property (IP) owners.

We seek to partner with the best organizations and individuals working in the fields of VR/AR content creation and development. Our team is uniquely qualified to guide our portfolio of IP and VR experiences through the ideation, production, launch and successful monetization of each project.

Incubara invests “more than capital” in our founders, applying industry expertise to all aspects of the VR/AR industry, including building strategic partnerships, consulting and implementing marketing strategies , and helping to successfully launch each experience.

With over sixty years of combined experience, our team brings deep industry knowledge to successfully complete, launch and monetize VR projects. Through its extensive network of creative producers, technical developers, and outlets, Incubara is able to provide capital and resources to companies looking to deliver high-quality VR/AR content much needed by the entertainment industry. expanding immersive reality.

Further information about Incubara is available under its profile on the SEDAR website,, on the Company’s website,

For more information about the company, please contact:

Jason Walch

Bua Capital Management Ltd.


* -statistics-report

To view the source version of this press release, please visit

3 oil stocks to watch this week Mon, 26 Sep 2022 14:20:35 +0000

Oil stocks are a type of stocks that represent the ownership of oil companies. These stocks can be bought and sold on the stock exchange and offer investors a way to profit from the oil industry. In general. petroleum inventories are classified as either exploration and production or refinery. In detail, exploration and production oriented oil companies represent the oil companies involved in the process of finding and extracting oil. Meanwhile, refinery-focused oil companies represent oil companies that refine crude oil into finished products like gasoline.

For example, exploration and production companies are names like Devon Energy Corporation (NYSE: DVN) and western oil (NYSE:OXY). Meanwhile, an example of refining companies are companies like Phillips 66 (NYSE:PSX) and CVR Energy Inc. (NYSE: CVI). Both types of oil stocks can offer investors a way to profit from the oil industry. So whether you’re looking for stability or upside potential, oil stocks may be worth considering as part of your investment portfolio. Now here are three top oil stocks to watch this week in stock exchange.

Oil stocks to watch this week

1. Exxon Mobil (XOM stock)

The first standing Exxon Mobil (XOM) is an American oil and gas company. Its headquarters are located in Irving, Texas, and is engaged in the exploration, production, transportation and sale of crude oil, natural gas and petroleum products.

XOM Recent Stock Market News

Currently, XOM has a current annual dividend yield of 3.66%. In late July, XOM announced that its board of directors had declared its third quarter cash dividend of $0.88 per share on common stock. Additionally, Exxon Mobil has increased its annual dividend payment to its shareholders for the past 39 consecutive years.

Regardless, also in July, Exxon Mobil reported better-than-expected second quarter 2022 fiscal results. In the report, the company said earnings of $4.14 per share and revenue of $115.7 billion for the quarter. For context, Wall Street’s consensus estimate for the second quarter of 2022 was earnings of $3.80 per share, with revenue of $120.2 billion. With this, the company saw a 70.8% increase in revenue year over year.

Additionally, Darren Woods, Chairman and CEO of Exxon Mobil, had this to say about the quarter: “Profits and cash flow benefited from increased production, higher realizations and tight cost control. “The strong second quarter results reflect our focus on fundamentals and the investments we put in place several years ago and sustained in the depths of the pandemic.

XOM Stock Chart

So far in 2022, XOM shares have outperformed broader markets as they are up more than 34.44% year-to-date. On Monday morning, Exxon Mobil stock is trading at $85.63 per share. Given this, do you think XOM stock is a good oil stock to buy right now?

Source: TD Ameritrade Terms of Service

[Read More] 4 Consumer Staples Stocks to Watch in the Stock Market Now

2. Chevrons (CLC Action)

Next, Chevron Corporation (CVX) is one of the largest energy companies in the world. For an idea of ​​scale, the company is present in more than 180 countries around the world. Additionally, Chevron is involved in all aspects of the oil and gas industry. This includes exploration and production through to refining and marketing. Chevron is also a major manufacturer of petrochemicals and has interests in coal, alternative energy sources and power generation. Today, Chevron shareholders enjoy an annual dividend yield of 3.59%.

CLC Recent Stock Market News

Apart from that, also in July, Chevron reported stronger than expected results for its second quarter 2022 financials. To cut to the chase, Chevron reported earnings of $5.82 per share, along with revenue for the quarter of $68.8 billion. That figure is higher than analysts’ consensus estimates for the second quarter of 2022, which was earnings of $5.02 per share and revenue of $55.1 billion. In addition, second quarter sales represent growth of 83% on an annual basis. Additionally, Chevon reported that its operating cash flow was $13.8 billion while recording free cash flow of $10.6 billion for the second quarter of 2022.

Moving on, Mike Wirth, Chairman and CEO of CVX, commented in his letter to shareholders: “We have more than doubled our investments compared to last year to develop both traditional and new energy activities. With Permian production more than 15% higher than a year ago and now one of the leading producers of renewable fuels in the United States, Chevron is increasing its energy supplies to help meet the challenges facing global markets.

CVX Stock Chart

Meanwhile, CVX stock year-to-date is up more than 20% in Monday morning’s trading session to $143.80 per share. With all the buzz surrounding oil right now, could Chevon Corporation be a good addition to your list of oil stocks to watch this week?

Herringbone stock
Source: TD Ameritrade Terms of Service

[Read More] Good stocks to buy? 4 best-selling short stocks to watch right now

3. Marathon Oil (MRO shares)

Last but not least, Marathon Oil Corporation (MRO) is an American oil and natural gas exploration and production company. The Company is engaged in the exploration and production of oil and gas in the United States, Canada, Europe, the Middle East and Africa. In addition, Marathon also operates a refining business in the United States through Marathon Petroleum Corporation (NYSE: MPC). Other than that, MRO has an annual dividend yield of 1.25% for shareholders.

Recent news on MRO stocks

In July, Marathon Oil released its fiscal Q2 2022 results. Diving straight into the report, the company announced earnings of $1.32 per share, along with revenue of $2.3 billion for the second quarter 2022. These results were stronger than expected compared to consensus estimates of $1.23 in earnings per share and $1.9 billion in revenue. . These revenue figures signify a 101.5% increase in revenue over the same period, in 2021. Additionally, Marathon Oil Corporation posted record quarterly adjusted free cash flow of over $1.2 billion at a reinvestment rate of 24%.

Chairman, President and CEO Lee Tillman commented in his letter to shareholders: “Our commitment to providing investors with first call cash flow through our unique operating cash flow percentage framework is producing truly compelling results, including the generation of over $2 billion in adjusted free cash flow and returning more than $1.7 billion of capital to shareholders year over year. date, while generating significant growth per share. Despite continued macroeconomic and equity market volatility, we remain well positioned to continue delivering financial results that rival the top S&P 500 companies.

MRO Stock Chart

Continuing, so far this year, MRO shares are up more than 29% in Monday morning’s trading session at $21.88 per share. After reading its latest quarterly report, is it time to add Marathon Oil Corporation to your stock market radar today?

MRO stock chart
Source: TD Ameritrade Terms of Use

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Midam Ventures, LLC | (305) 306-3854 | 1501 Venera Ave, Coral Gables, FL 33146 |

Midam Ventures, LLC | (305) 306-3854 | 1501 Venera Ave, Coral Gables, FL 33146 |

Newmont (NYSE:NEM) stock rating downgraded by TheStreet Sat, 24 Sep 2022 11:14:08 +0000

Newmont (NYSE:NEM – Get a Rating) was downgraded by TheStreet research analysts from a “b-” rating to a “c+” rating in a note released Thursday to investors, TheStreetRatingsTable reports.

A number of other stock analysts also commented on NEM. TD Securities reduced its target price on Newmont shares from $64.00 to $52.00 and set a “hold” rating on the stock in a research report on Tuesday, July 26. Canaccord Genuity Group downgraded Newmont from a “hold” rating to a “buy” rating and lowered its target price for the stock from $66.00 to $60.00 in a Wednesday, July 27, report. Goldman Sachs Group began covering Newmont in a research note on Monday, September 12. They set a “buy” rating and a price target of $53.00 on the stock. Fundamental Research lowered its price target on Newmont shares from $79.52 to $63.91 and set a “buy” rating for the company in a Tuesday, Aug. 9 research note. Finally, UBS Group upgraded Newmont shares from a “neutral” rating to a “buy” rating and set a price target of $50.00 for the company in a Tuesday, September 6 report. Eleven equity research analysts gave the stock a hold rating and eight gave the company a buy rating. Based on data from MarketBeat, the company has an average rating of “Hold” and an average target price of $66.94.

Newmont Price Performance

NEM opened at $41.25 on Thursday. The company has a quick ratio of 2.44, a current ratio of 2.82 and a debt ratio of 0.28. The company has a fifty-day moving average of $44.81 and a 200-day moving average of $61.57. Newmont has a 52-week low of $40.27 and a 52-week high of $86.37. The stock has a market capitalization of $32.74 billion, a P/E ratio of 41.67 and a beta of 0.29.

Newmont (NYSE:NEM – Get Rating) last released its quarterly results on Monday, July 25. The basic materials company reported EPS of $0.46 for the quarter, missing analyst consensus estimates of $0.60 per ($0.14). Newmont had a return on equity of 9.13% and a net margin of 6.40%. The company posted revenue of $3.06 billion in the quarter, versus a consensus estimate of $3.04 billion. In the same quarter a year earlier, the company posted earnings per share of $0.83. The company’s revenue for the quarter decreased 0.2% year over year. As a group, sell-side analysts expect Newmont to post year-to-date EPS of 2.61.

Insider Activity at Newmont

In other Newmont news, Chief Financial Officer Nancy Buese sold 10,000 Newmont shares in a trade dated Thursday, June 30. The stock was sold at an average price of $61.50, for a total transaction of $615,000.00. Following the completion of the sale, the CFO now owns 39,530 shares of the company, valued at approximately $2,431,095. The sale was disclosed in a legal filing with the SEC, accessible via this hyperlink. Separately, CFO Nancy Buese sold 10,000 shares in a trade that took place on Thursday, June 30. The shares were sold at an average price of $61.50, for a total value of $615,000.00. Following the transaction, the CFO now owns 39,530 shares of the company, valued at approximately $2,431,095. The sale was disclosed in a filing with the SEC, which is available via this link. Additionally, COO Robert D. Atkinson sold 3,000 shares in a trade that took place on Friday, July 1. The stock was sold at an average price of $59.43, for a total transaction of $178,290.00. Following completion of the transaction, the COO now owns 64,617 shares of the company, valued at approximately $3,840,188.31. The disclosure of this sale can be found here. Insiders sold a total of 38,000 shares of the company valued at $2,081,920 in the past ninety days. Insiders of the company hold 0.11% of the shares of the company.

Hedge funds weigh on Newmont

Hedge funds and other institutional investors have recently been buying and selling shares of the company. Lloyd Advisory Services LLC. acquired a new equity stake in Newmont during Q1 worth approximately $28,000. Central Bank & Trust Co. acquired a new equity stake in Newmont during Q1 worth approximately $29,000. Pacific Center for Financial Services acquired a new equity stake in Newmont during Q1 worth approximately $30,000. Vectors Research Management LLC acquired a new stake in Newmont stock during Q4 worth approximately $25,000. Finally, Riverview Trust Co acquired a new equity stake in Newmont during Q1 worth approximately $38,000. Institutional investors and hedge funds hold 81.11% of the company’s shares.

Newmont Company Profile

(Get a rating)

Newmont Corporation is engaged in the production and exploration of gold. He also explores copper, silver, zinc and lead. The Company has operations and/or assets in the United States, Canada, Mexico, Dominican Republic, Peru, Suriname, Argentina, Chile, Australia and Ghana. As of December 31, 2021, it had proven and probable gold reserves of 92.8 million ounces and a land position of 62,800 square kilometers.

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Analyst Recommendations for Newmont (NYSE: NEM)

This instant news alert was powered by MarketBeat’s narrative science technology and financial data to provide readers with the fastest and most accurate reports. This story was reviewed by MarketBeat’s editorial team prior to publication. Please send questions or comments about this story to

Before you consider Newmont, you’ll want to hear this.

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Community News – Chicago Tribune Fri, 23 Sep 2022 19:27:00 +0000

Adults 60 and over living in Ross Township are entitled to free admission to Pirate Entertainment by obtaining a Seniors Pass, which will allow them to attend shows, concerts and sporting events sponsored by school, thanks to the Merrillville Community School Corporation. To obtain a free pass, go to the central office of the school corporation between 8 a.m. and 4 p.m. Monday to Friday and bring proof of age and residence.

The office is located at 6701 Delaware St. next to Merrillville High School, 276 E. 68th Place. Passes do not cover access to events that are not sponsored by the school, such as IHSAA competition finals or Ross Music Theater performances. For more information, visit the school corporation’s website,, or call 219-650-5300.

Franciscan Health is hosting a Walk With A Doc program from 11 a.m. to noon every Monday through October 17. Walks take place at Pennsy Greenway Trail on Austin Avenue and Park Street in Schererville.

Participants can register on site only from 10:45 a.m. each Monday. Rides will begin at the circle rest area near the bike racks and benches with a brief health talk by a doctor or clinical staff member. More information is with Stacy Zembala at or 219-227-4564.

The Indiana Department of Transportation (INDOT) will host three job fairs in northwest Indiana on Wednesday for seasonal winter positions.

Events will take place from 10 a.m. to 3 p.m. at the following locations: 315 East Boyd Blvd., LaPorte; 7601 Melton Road, Gary; and 2845 Jack Greenlee Drive, Plymouth. Seasonal winter positions run between November 1 and April 1 at a starting wage of $20 per hour for full-time operations and $24 per hour for snowplow-only positions .

Duties include general road maintenance, traffic maintenance, snow and ice removal and other duties related to winter operations. A valid CDL is required to be considered for a seasonal role. Registration is not required to attend the event. Interviews will be conducted on-site and INDOT team members will be available to answer questions and provide more information about vacancies and careers within the agency. For a full list of job fair locations and more information, visit Interested candidates can also text INDOT Careers on 468311 to receive additional job offers.

The public is invited to a free genealogy workshop from 11 a.m. to 12:30 p.m. on October 4 at the Gary Public Library and Cultural Center, 220 W. Fifth Ave, Roma Ivey Community Room.

Linda Jones, President of the Gary Historical and Cultural Society, will present the workshop. The Woodson branch, 501 S. Lake St., will feature crafts, stories and children’s movies in October. For a list of days and times for these and other programs and events, visit or stop by any of the library locations.

The Leadership Institute and Society of Innovators at Purdue Northwest (PNW) has announced the Fall 2022 Lunch and Keynote Speaker Series. Lunch and Lead is a virtual speaker series designed to help community and business leaders build their knowledge and skills while raising awareness of best practices from other leaders in Northwest Indiana and beyond.

The schedule includes the following: Angela Nelson Deuitch, President, I&D Squared Consulting and Michigan City Council Member on October 11; Karen Bishop Morris, PNW associate professor of English, director of the Northwest Indiana Writing Project on Nov. 8; and Adam O’Doherty, President and CEO, United Way of Northwest Indiana, on Dec. 6. Sessions will begin at noon CST and will take place virtually via Zoom. Registration is free and open to the public. For more information and to register, go to or contact the Society of Innovators at

Online Same Day Loans: Borrow money today with KashPilot Fri, 23 Sep 2022 14:21:59 +0000

Can you get same-day loans without credit checks?

Loans can be obtained quickly with a quick decision and the funds will be transferred to your financial institution as soon as possible. Those who find it difficult to make ends meet often turn to these loans. Before applying for a loan online, you need to carefully read the entire agreement. You should make it a priority to draft and sign a loan agreement.

What does it mean to be approved for a loan on the same day?

A loan that can be requested and used immediately. Personal loans are sometimes referred to as direct deposits in some circles.

Occasionally, these loans can be approved in as little as one day.

It is possible that a loan approved on the same day can help you meet your immediate financial obligations until you get paid again.

Same-day deposit payday loans are short-term loans intended to bridge the financial gap until the borrower’s next salary is received.

Payday loans are small short term loans with a maximum loan amount of $ 1500 and a short repayment period. Although you can get these loans online, you should know that the interest rates are quite high. In most cases, interest and origination fees are paid by the last day of the month.

If you apply for a cash advance loan early enough in the day, it is possible that you will receive the fund the same day you apply to KashPilot.

How can I get the same day money from KashPilot?

A same-day loan can provide you with funds instantly or within an hour:

Get Cash. It can be obtained from payday lenders and other loan companies with physical locations. The ability to make same-day cash payments may be subject to additional restrictions or conditions.

The funds are loaded onto your valid debit card. You can receive cash directly to your debit card from physical and digital lenders. After applying for a same day loan, you should receive the funds quickly. Check the fine print, as some lenders may charge a fee if you immediately transfer funds to your debit card. KashPilot doesn’t charge fees for transferring funds to an approved debit card when you get a same-day loan.

Bank transfers. Popular money transfer methods include wire transfers and wire transfers, with same day options available. Even if the funds have already been transferred, the receiving bank typically takes several hours to confirm that the funds have been deposited into the recipient’s checking or savings account.

Instant or same-day ACH transfers are available. Some financial institutions and lenders offer same day ACH transfers. This requires the bank to provide a settlement schedule three times a day and the ability to handle pending requests three times a day. For example, if your loan application is approved early in the morning, a financing transaction will be sent by 9:30 am. The immediate ACH transfer request must be processed by 1pm on the same day.

What if I don’t have a high credit score?

If you meet the requirements and submit your application on time, you may be eligible for financial aid. Bad credit customers can apply for personal loans through our website in less than a day. Your online application must be submitted by 10:00 CT to qualify for same-day funding. If your credit is low, you may have fewer options and have a harder time getting credit.

You may be able to get a cash advance even with low credit. Fast cash can be accepted through less reliable means, such as payday, car title, and pawnshop loans. They have a sizable network of lenders who don’t provide credit checks for personal loans if you have bad debt.

While they appear simple, instant loans have several problems, the first of which is their high interest rate.

You can read more about credit scores and bad loans here.

What are the most effective methods of obtaining same-day loans?

The loan period for a payday loan is typically a few days. If you need money right away, you can apply for a cash advance over the Internet. One type of short-term credit is known as a cash advance and another name is a paycheck loan.

This facilitates timely obtaining of funding and authorizations.

A payday loan of up to $ 1500 can typically be obtained within a few hours and does not require the borrower to provide any collateral.

Payroll Advance Loans are discussed in more detail on the page you can find here.

Installment loans are the common name for this type of financial product.

An installment loan that does not require collateral is the best option. This could be an option if you need a loan for a longer period.

One of the potential ways to repay the loan is to make monthly payments. You may not be approved for a payday loan of less than $ 500.

Home Loans or Secured Mortgage Loans You may be eligible for a title loan online if your vehicle is in good condition.

Online loans typically have lower interest rates than unsecured loans, but the application and approval process can take much longer.

The typical repayment for a vehicle security loan is $ 25,000 spread over 36 months.

It is possible that you will be able to reduce the amount of money you pay in commissions and payments each month.

What can I do to increase my chances of getting the money I need today?

Apply as soon as the lender opens for business in the morning. For same-day loans, it is possible that no lender will be able to contact you personally. You can communicate with various lenders using the unique application provided by KashPilot.

Follow these tips to increase your chances of getting a loan on your account right away:

  • By offering loan matching services, KashPilot makes it easy to connect with any lender.
  • It is a good idea to scan all necessary documents in advance.
  • Examples include insurance, title loans, and proof of income.
  • Apply on business days before 10:00 CT. A loan cannot be acquired on the same day.
  • These requirements do not guarantee that you will receive financial help.
  • Accepting your application does not guarantee that you will receive your money the next day.
  • Lenders carefully review each application.

How do I apply for a same day cash advance and get pre-approved?

Make sure you have all the necessary documentation before submitting your application.

  • In addition, the eligibility prerequisites must be met.
  • You have reached legal drinking age.
  • Having a reliable source of income is doable.
  • A legitimate image ID must be presented.
  • Both your phone number and email address are active.
  • There is an active bank account.

In addition to the restrictions already mentioned, online lenders may also face other limitations.

Do you provide instant loans with no credit check on KashPilot?

Yes. Lenders have two options for performing credit checks. Payday lenders use soft credit checks to check credit when there is no credit history.

  • Online loan applications are accepted for our loans.
  • Fast financing is a priority for direct lenders, who deposit loans within 24 hours of receipt.
  • Submitting a loan application through this website does not imply approval or granting of a loan. It may be necessary to fax the documentation to some credit institutions.

Lenders can use Equifax or Experian to perform a thorough credit check. Your credit score will decrease accordingly. Secured loans, like title loans, are better if you don’t want your credit history checked.

What are the benefits of same-day loans from KashPilot?

You can get many benefits with the same-day loan.

  • You could have money in a few hours.
  • It could save your life if you find yourself in a terrible situation.
  • Since they are quick and easy to obtain, they are generally the best choice.
  • A security deposit is not required.
  • Your collateral is not forfeited when you take out an unsecured personal loan. The lender will consider your credit history and ability to repay the loan.
  • It is taken into consideration if you have bad credit.
  • You may be able to get the money you need even if your credit isn’t perfect.
  • Within 24 hours, you can submit a salary advance loan application online. All submissions will be considered.

What Dangers Present With Taking Out A Payday Loan?

It is in your best interest to carefully consider all potential drawbacks before applying for a same day loan. These loans could come with extremely high interest rates attached to them. You must have a reliable source of income.

If you have a history of financial instability, getting finance will be a challenge for you. Providing an ironclad guarantee that money will always be available is challenging.

It is possible that this may cause you to encounter some financial difficulties. This is not a solution that will be effective for a long time.

How to quickly identify the ideal lender for a loan?

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Determine your April

The annual percentage rate on this loan is relatively high (APR). Cash advances at variable interest rates without guarantees are possible. They can also be quickly approved and are readily available, sometimes in as little as 24 hours. Different states have different cash loan interest rates. While some have rates up to 1300%, others up to 6%.


You need to be aware of every loan related expense. These fees include both penalties and the cost of early repayment. It’s possible you weren’t upfront with all the allegations.

Find out more.

Lenders could provide customers with extra benefits. The amount of an outstanding loan may be increased or the lender may be able to offer more accommodating repayment terms. Customers with good credit could be accepted immediately.

Watch what others say.

Yelp, ConsumerReports, and Trustpilot all have verifiable user reviews. The reputable and reputable online lenders have gotten good reviews and are rated at least four stars.

How much money can I earn with KashPilot?

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]]> Before Buying Chevron or Enterprise Products Stock: Here’s 1 Energy Dividend Stock I’d Buy First Fri, 23 Sep 2022 09:14:00 +0000

The past year has been painful for stock market investors. The S&P 500 Index, which tracks 500 of the largest U.S. stocks, is down 11% as of this writing on Sept. 21, and more than 19% below its 52-week high. Each sector is down at least 4% from its peak. The only equity sector that has generated explosive returns so far this year is the energy sector; the Energy Select Sector SPDR ETF is up 70.5% of total returns, of which almost 7% is due to dividends.

Needless to say, this has investors – especially those looking for dividends – very interested in energy stocks right now. Two in particular stand out: Chevron (CLC -0.08%) and Enterprise Product Partners (EPD -1.93%). This makes sense, given that they are both cash cow giants, with strong dividends yielding 3.6% and 7.2% respectively at recent prices. But before buying either of these two giants, investors should also take a close look Phillips 66 (PSX 1.23%)another diversified giant with a return of 4.6% and a better growth record of its payment.

What makes Phillips 66 different

Although Chevron and Enterprise Products are solid companies (I also own Enterprise Products), there are some Phillips 66 features that are very compelling. More importantly, these are elements that can make it a solid investment throughout the energy cycle, sustaining its dividend as we transition from today’s high oil prices to periods of oversupply that drive prices down. – and the profits of oil producers.

Like Chevron, Phillips 66 is a diversified and integrated oil and gas company. Its operations include midstream operations to collect, transport and store oil, gas and natural gas liquids; refining and petrochemical operations; and a downstream marketing company to sell and deliver these products to market. Its operations are international, giving it access to oil and gas from some of the largest and cheapest oil and gas fields in the world.

But where Phillips 66 differs from Chevron is that it has no upstream operations, meaning it does not produce oil or gas. There is an obvious downside to not being a producer, as it means missing out on the Upside down high oil prices. You can see how Chevron’s free cash flow has essentially tracked oil prices up and down over the past decade:

CVX Free Cash Flow Data by YCharts

Phillips 66 and Enterprise Products’ cash flow also rose and fell with oil prices, but not at Chevron’s extremes; that’s basically because its fixed costs to produce oil don’t go down when the market price of crude goes down, but they don’t go down either at the top when oil prices are higher.

So while it benefits from higher prices, it also feels the impact of lower prices on its bottom line in ways that Phillips 66 and Enterprise Products do not. And over time, this lack of downward price exposure makes the Phillips 66 dividend safer in my book.

The counter-argument is that since it doesn’t produce oil, it has to buy it to refine it, which means it pays higher prices when oil prices rise, which is bad for its bottom line. This is only partly true. Yes, it pays the highest price, but since refined products like gasoline and jet fuel are priced according to crude prices, Phillips 66 isn’t really affected by that. On the contrary, one of its advantages is its advanced refineries. Since not all crude oils have the same chemistry, not all oils can be processed at any refinery. Phillips 66 has long been able to purchase crudes cheaply that other refiners cannot process, thereby increasing its refining margins.

At the other end of the spectrum are enterprise products. And while it’s a great company, it’s less diverse and very focused on the middle space where all the oil and gas logistics take place. He is skilled in this area, having generated an average return on investment of 12% over the past decade. This focus on the midstream has been very good for slow and steady distribution growth, but it hasn’t delivered an excellent total return investment. The latter and Chevron have significantly underperformed the S&P 500 over the past decade.

Phillips 66, on the other hand, actually performed slightly better than the market. This was a rare outperforming energy stock during the tech stock boom of the past decade.

CVX Total Return Level Chart

CVX Total Return Level Data by YCharts

Much of this higher yield has been Phillips 66’s superior dividend growth. Since becoming a standalone public company in 2012, Phillips 66 has increased its dividend by almost quintuple, while payments from Chevron and Enterprise Products increased 58% and 50%, respectively. It has also taken serious steps to position itself as a leader in biofuels, which should pay off as we move away from fossil fuels in the decades to come.

Why Phillips 66 is particularly attractive now

In recent months, falling oil prices and economic concerns have pushed investors to push even energy stocks lower; of this group, shares of Phillips 66 are down more than 25% and are actually down more than 30% from their pre-COVID highs. I think Mr. Market once again overreacted due to short-term concerns, creating a terrific price to buy this long-term winner at a bargain price. With a dividend yield well over 4.5% and a long list of dramatic dividend increases, Phillips 66 seems like a better buy than Chevron or Enterprise Products right now.

Jason Hall holds positions at Enterprise Products Partners and Phillips 66. The Motley Fool holds positions and recommends Energy Select Sector SPDR. The Motley Fool recommends Enterprise Products Partners. The Motley Fool has a disclosure policy.

AmCham donates funds and bicycles to EWB Cambodia Thu, 22 Sep 2022 18:04:32 +0000

As part of its corporate social responsibility (CSR) efforts, the American Chamber of Commerce in Cambodia (AmCham) on Wednesday donated $5,000 and 20 bicycles to the Indochina Starfish Foundation (ISF Cambodia) for the underprivileged children in Cambodia.

The check and bikes were presented to the award-winning children’s NGO in a ceremony at its Steung Meanchey Education Center by AmCham President Anthony Galliano.

Galliano said he hopes the donation will help many students lift themselves out of poverty through education.

“ISF Cambodia enables disadvantaged children to improve their access to education, health care and sport, to lift themselves out of poverty,” he said.

“At AmCham Cambodia, we believe in ‘giving back’, not only to do business and make a profit, but also to support and give back to the country and communities in which we work. »

“It is an honor and a privilege to be part of this incredibly important cause, children are the future.”

To express their appreciation for the donation, children supported by EWB Cambodia performed traditional dance performances in front of AmCham representatives on Wednesday.

During her address, Vicheka Chourp, National Officer of ISF Cambodia, expressed her gratitude for the generosity of AmCham and its members.

“This donation will help ISF provide sustainable and safe education and transportation to school for marginalized children,” she said.

This is not AmCham’s first donation, in which corporate social responsibility is one of the key principles. Through the CSR Promotion Committee, AmCham allocates 10% of all membership fees to CSR activities.

In May, Prey Veng Province was officially declared the second mine-free province in Cambodia, thanks in part to AmCham’s donation to the Cambodian Mine Action and Victim Assistance Authority. AmCham is also partnering with the Hyatt Regency Phnom Penh to organize a charity networking event, the proceeds of which will be used to provide cervical cancer screenings to garment workers.

CrowdStrike (NASDAQ:CRWD) Stock Valuation Reaffirmed by Cowen Wed, 21 Sep 2022 19:18:45 +0000

CrowdStrike (NASDAQ:CRWD – Get Rating)The company’s stock had its “buy” rating restated by Cowen analysts in a research note released Wednesday to investors, Stock Target Advisor reports. They currently have a price target of $220.00 on the stock. Cowen’s price target would point to a potential upside of 25.01% from the stock’s previous close.

Other research analysts have also recently published reports on the company. DA Davidson reduced its price target on CrowdStrike shares from $280.00 to $235.00 and set a “buy” rating for the company in a Friday, June 3 report. JMP Securities reaffirmed a “buy” rating and issued a target price of $275.00 on CrowdStrike shares in a research report on Friday, June 3. Deutsche Bank Aktiengesellschaft raised its price target on CrowdStrike from $225.00 to $230.00 and gave the stock a “buy” rating in a Wednesday, August 31 report. Stifel Nicolaus raised his price target on CrowdStrike from $220.00 to $225.00 and gave the stock a “buy” rating in a Wednesday, August 31 report. Finally, Morgan Stanley raised its price target on CrowdStrike from $215.00 to $217.00 and gave the stock an “overweight” rating in a Wednesday, August 31 report. One equity research analyst gave the stock a hold rating and twenty-eight gave the stock a buy rating. According to, CrowdStrike currently has a “Moderate Buy” consensus rating and an average target price of $240.43.

CrowdStrike Price Performance

The NASDAQ CRWD traded at $2.11 during trading hours on Wednesday, hitting $175.98. 96,294 shares of the company were traded, against an average volume of 4,167,961. The stock has a market capitalization of $41.07 billion, a PE ratio of -234.64 and a beta of 1.27. CrowdStrike has a 1-year low of $130.00 and a 1-year high of $298.48. The company has a fifty-day moving average of $185.53 and a 200-day moving average of $185.89. The company has a current ratio of 1.80, a quick ratio of 1.80 and a debt ratio of 0.60.

CrowdStrike (NASDAQ:CRWD – Get Rating) last released its quarterly results on Tuesday, August 30. The company reported earnings per share (EPS) of $0.36 for the quarter, beating the consensus estimate of $0.28 by $0.08. The company posted revenue of $535.15 million for the quarter, versus analyst estimates of $516.44 million. CrowdStrike had a negative return on equity of 12.96% and a negative net margin of 9.45%. The company’s revenue increased 58.5% year over year. During the same period last year, the company achieved EPS of ($0.21). On average, equity research analysts expect CrowdStrike to post -0.75 earnings per share for the current fiscal year.

Insider buying and selling

Separately, insider Shawn Henry sold 12,103 shares of the company in a trade on Wednesday, August 10. The shares were sold at an average price of $200.52, for a total transaction of $2,426,893.56. Following the completion of the transaction, the insider now directly owns 180,252 shares of the company, valued at approximately $36,144,131.04. The transaction was disclosed in a document filed with the Securities & Exchange Commission, accessible via the SEC’s website. In other news, director Godfrey Sullivan sold 10,000 shares of the company in a trade dated Thursday, September 8. The shares were sold at an average price of $175.01, for a total transaction of $1,750,100.00. Following completion of the transaction, the director now directly owns 170,000 shares of the company, valued at $29,751,700. The sale was disclosed in a legal filing with the SEC, accessible via this hyperlink. Additionally, insider Shawn Henry sold 12,103 shares of the company in a trade dated Wednesday, August 10. The shares were sold at an average price of $200.52, for a total transaction of $2,426,893.56. Following the transaction, the insider now directly owns 180,252 shares of the company, valued at $36,144,131.04. The disclosure of this sale can be found here. 6.82% of the shares are currently held by insiders.

Institutional investors weigh in on CrowdStrike

Institutional investors have recently changed their positions in the company. 1832 Asset Management LP bought a new equity stake in CrowdStrike during Q1 worth $384,930,000. Norges Bank bought a new stock position from CrowdStrike during Q4 for a value of approximately $348,527,000. Tiger Global Management LLC increased its stake in CrowdStrike by 16.9% during the 1st quarter. Tiger Global Management LLC now owns 8,808,818 shares of the company valued at $2,000,306,000 after purchasing an additional 1,271,818 shares last quarter. Clearbridge Investments LLC increased its stake in CrowdStrike by 69.3% in Q1. Clearbridge Investments LLC now owns 2,310,859 shares of the company valued at $524,750,000 after purchasing an additional 945,703 shares last quarter. Finally, JPMorgan Chase & Co. increased its stake in CrowdStrike by 34.2% during the second quarter. JPMorgan Chase & Co. now owns 2,935,667 shares of the company valued at $494,836,000 after purchasing an additional 748,332 shares last quarter. Hedge funds and other institutional investors own 67.43% of the company’s shares.

About CrowdStrike

(Get a rating)

CrowdStrike Holdings, Inc provides cloud protection for endpoints and workloads, identity and data in the cloud. It offers threat intelligence, managed security services, IT operations management, threat hunting, zero trust identity protection and log management. The company primarily sells subscriptions to its Falcon platform and cloud modules through its direct sales team that leverages its channel partner network.

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