Fund – Woonsocket High http://woonsockethigh.org/ Fri, 11 Jun 2021 10:55:08 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.2 http://woonsockethigh.org/wp-content/uploads/2021/05/woonsocket-high-icon-150x150.png Fund – Woonsocket High http://woonsockethigh.org/ 32 32 Stock alert: Arcturus Therapeutics exceeds 50% http://woonsockethigh.org/stock-alert-arcturus-therapeutics-exceeds-50/ http://woonsockethigh.org/stock-alert-arcturus-therapeutics-exceeds-50/#respond Thu, 11 Mar 2021 05:38:25 +0000 http://woonsockethigh.org/stock-alert-arcturus-therapeutics-exceeds-50/

(RTTNews) – Shares of Arcturus Therapeutics Holdings Inc. (ARCT) were cut by more than half on Tuesday morning despite the company’s announcement in the clinical phase of having received approval to start the phase 2 study for its Covid vaccine candidate.

ARCT is currently trading at $ 45.24, down $ 47.18 or 51.05%, on the Nasdaq.

The company said it has received approval from the Singapore Health Sciences Authority to conduct a phase 2 clinical study of its ARCT-021 vaccine candidate.

The approval is based on data from the Phase 1/2 trial which showed that the vaccine produced neutralizing antibodies after one dose, albeit at lower levels than other candidate vaccines.

Of 106 participants in the phase 1/2 trial, 78 received ARCT-021; 28 received a placebo. 44 subjects received ARCT-021 at the doses selected for phase 2 (27 young adults and 17 older adults). Two groups of 34 and 10 participants each received a single administration of 5 µg and 7.5 µg, respectively, and one group of 24 participants received a prime-boost regimen.

The Phase 2 study will evaluate both single-dose and starter regimens in up to 600 participants. The company plans to release interim Phase 2 data in early 2021 and is targeting a global Phase 3 study in the second quarter of next year.

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


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Best Resort Credit Cards – NerdWallet http://woonsockethigh.org/best-resort-credit-cards-nerdwallet/ http://woonsockethigh.org/best-resort-credit-cards-nerdwallet/#respond Thu, 11 Mar 2021 05:38:24 +0000 http://woonsockethigh.org/best-resort-credit-cards-nerdwallet/

FULL LIST OF EDITORIAL CHOICES: BEST HOTEL CREDIT CARDS

Click on the name of the card to read our review. Before applying, confirm the details on the issuer’s website.

the Marriott Bonvoy Boundless ™ Credit Card is an attractive card whose benefits – in particular a free night each year – can easily outweigh its annual membership fee. Not only does Marriott offer a wide choice of locations, both budget and premium, but the card doesn’t limit you to using points just for hotel stays. Read our review.

Our choice for: Easy redemption

the Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising. You earn 2 miles for every dollar on all purchases, and miles can be redeemed at a value of 1 cent each for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. . The card offers a great signup bonus and other great perks. Read our review.

Our choice for: Point transfers to hotel programs

the Chase Sapphire Preferred® Card earn 2X points on travel and meals for a reasonable annual fee. Points are worth 25% more when you redeem them for travel booked through Chase, or you can transfer them to a dozen airline and hotel partners. The sign-up bonus is also exceptional. Read our review.

If you are loyal to hotels under the Hilton umbrella, the Hilton Honors American Express Surpass® Card can more than pay for itself despite relatively low reward point values. You will be able to maintain your automatic Gold status for as long as you are a cardholder, making it easier for you to accumulate rewards and earn free stays. Read our review.

Our pick for: Holiday Inn / IHG

If you are staying at InterContinental Hotel Group brands, the IHG® Rewards Club Premier credit card may be well worth his annual fee for the one free birthday night, and you’ll enjoy Platinum Elite status as long as you have the card. Read our review.

Hyatt is not as big as its competition, but World of Hyatt Credit Card worth a visit for anyone who spends a lot of time on the road. You can earn a lot of points even on non-Hyatt spending, and those points have a high value compared to competing programs. There’s a great sign-up bonus, free nights, automatic Elite status and more. Read our review.

Our choice for: Premium hotel card

the Aspire Hilton Honors American Express Card comes with a steep annual fee, but its rich rewards (especially on travel and dining) and generous perks make it a must-have for die-hard Hilton loyalists. Enjoy airline and resort credits, airport lounge access, automatic Elite status, free weekend night rewards and more. Read our review.

Our choice for: Best Western

If you are a fan of Best Western owned hotel properties, the Best Western Rewards® Premium Mastercard® offers solid rewards. But even if you get Elite status, you won’t get the free birthday nights that annual fee cards usually offer. Read our review.

the Wyndham Rewards® Earner℠ Plus Credit Card offers a lot of value for Wyndham loyalists, not to mention rich rewards on restaurant and grocery purchases. You’ll also automatically get Platinum status, along with anniversary points that could earn you a free night each year. Read our review.

Reward points on the Radisson Rewards Premier Visa Signature® card maybe less valuable than those of other big hotel chains, but frequent guests of Radisson hotels won’t have a hard time stocking up a bunch, especially with a generous annual point bonus. For Radisson faithful, this is the card to have. Read our review.

Our choice for: Orbitz users

Among hotel loyalty cards, the Visa® Orbitz Rewards® card has one of the highest earning potentials. But you’ll have to jump through the hoops to get the best rewards, and you can only spend them on hotel reservations. Read our review.

How much is a hotel point worth?

Hotel credit cards earn loyalty program points every time you use the card, but the value of those points depends on both the hotel chain that issued them and how you redeem them.

To better understand the value of points, NerdWallet researched the cash prices and reward redemption values ​​for hundreds of hotel rooms. See our reviews page for our discoveries.

Our ratings are different from many you might find. This is because we have looked at the average point value based on reasonable price research anyone can do, not a maximized value that only travel rewards experts can hope to achieve.

Use these values ​​as a benchmark for your own redemptions. If you can redeem your points for the values ​​shown on our review page, you’re doing fine. Of course, if you can get a higher value, even better.

To consult the rates and costs of the Hilton Honors American Express Surpass® Card, see this page. All information on the Aspire Hilton Honors American Express Card was independently collected by NerdWallet. the Aspire Hilton Honors American Express Card is no longer available through NerdWallet.


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Which Delta Air Lines Credit Card Should You Get? http://woonsockethigh.org/which-delta-air-lines-credit-card-should-you-get/ http://woonsockethigh.org/which-delta-air-lines-credit-card-should-you-get/#respond Thu, 11 Mar 2021 05:38:24 +0000 http://woonsockethigh.org/which-delta-air-lines-credit-card-should-you-get/

Delta Air Lines travelers can choose from four co-branded airline credit cards, which can accommodate beginners, leisure travelers and seasoned road warriors alike.

Delta Cards aren’t your only choice for earning rewards on flights, of course. General travel cards also have a look.

But if you’re considering Delta-branded cards, which have specific benefits, choosing the right one depends on the benefits you want and the annual fee you’re willing to pay.

The basics at a glance

Examining the basic features of the map side by side helps in the choice.

What is different?

Annual subscription

NerdWallet Rating

Learn more

Like most mega-airline credit card queues, Delta’s offerings range from low annual fees – in this case $ 0 – a luxury card, in this case with access to the airport lounge, for $ 550. Conditions apply.

The more you pay, the more rewards and benefits you get. The key is to assess whether you will be using these extras and whether they are worth paying the higher annual fee.

Checked baggage and early boarding

American Express Gold Delta SkyMiles Credit Card
NerdWallet Rating

Learn more

Checked baggage fee waivers can be a huge savings when checked baggage can cost $ 60 round trip. And the Delta Cards that offer it are generous, with the cardholder and up to eight others on the travel itinerary qualifying for free first checked baggage. Early boarding is also a benefit that many travelers enjoy. Conditions apply.

The biggest difference here is the Blue American Express Delta SkyMiles® Card does not offer free checked baggage or early boarding. The other cards do.

Companion ticket

Delta SkyMiles American Express Platinum Credit Card
NerdWallet Rating

Learn more

the American Express Delta SkyMiles® Platinum Card and American Express Delta SkyMiles® Reserve Card come with annual accompanying certificates, a rare and valuable perk that covers the cost of a domestic round-trip ticket for someone traveling with you once a year. That alone could offset the annual membership fee. Conditions apply.

Awards

While all of these cards offer bonus rewards for Delta purchases, the three cheapest cards all offer additional bonus categories as well. Conditions apply.

Access to the Delta SkyClub

American Express Delta Reserve Credit Card
NerdWallet Rating

Learn more

the American Express Delta SkyMiles® Reserve Card offers full access to airport lounges and Delta-branded Centurion lounges. You will get two unique Delta Sky Club guest passes each year. the American Express Delta SkyMiles® Platinum Card comes with discounted daily access – $ 39 per day, at the time of writing. The two lowest level cards have no lounge benefits. Conditions apply.

What is it the same?

Reward Currency

All cards issue rewards and bonuses in Delta SkyMiles.

20% in-flight savings

All cards offer the same 20% statement credit for in-flight purchases such as food, alcoholic beverages and headsets on flights operated by Delta. In-flight wireless Internet access is excluded. Conditions apply.

American Express

All cards come from the same issuer. American Express is widely accepted in the United States, but you may come across suppliers overseas who won’t.

Alternative

An airline card is not your only choice. General travel credit cards offer rewards that can be used on a variety of travel expenses, not just for a single airline. Redeeming rewards for credit for a Delta Air Lines purchase or other travel expense essentially “wipes” them from your balance. This makes these cards a good choice for people who market their business.

Also, keep in mind that some credit card rewards can be converted to Delta SkyMiles. Examples are American Express Membership Rewards and points from hotel loyalty programs such as Marriott Bonvoy, Hilton, IHG and Radisson.

How to decide

All leaflets, except the most occasional, could exclude the Blue American Express Delta SkyMiles® Card. There are so few perks, including no free checked baggage, that it might not be worth bothering unless you really want SkyMiles and insist on an annual fee of $ 0. A simpler cash back card could bring more value.

The closest call for most Delta flyers may be between the American Express Delta SkyMiles® Gold Card and American Express Delta SkyMiles® Platinum Card. If you are using the companion pass, go to American Express Delta SkyMiles® Platinum Card.

Airport lounge membership and a First Class Domestic Pass are differentiators for the American Express Delta SkyMiles® Reserve Card.

Ultimately, choosing the right card means choosing your benefits and deciding whether the annual fee – or lack of it – is right for you.

To consult the rates and costs of the Blue American Express Delta SkyMiles® Card, see this page. To consult the rates and costs of the American Express Delta SkyMiles® Gold Card, see this page. To consult the rates and costs of the American Express Delta SkyMiles® Platinum Card, see this page. To consult the rates and costs of the American Express Delta SkyMiles® Reserve Card, see this page.


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Is it better to study economics or computer science? http://woonsockethigh.org/is-it-better-to-study-economics-or-computer-science/ http://woonsockethigh.org/is-it-better-to-study-economics-or-computer-science/#respond Thu, 11 Mar 2021 05:38:24 +0000 http://woonsockethigh.org/is-it-better-to-study-economics-or-computer-science/

of and both? department

Economist Arnold Kling points out that while fewer students are enrolling in computer science specialization programs, the number focusing on the economy is exploding. It’s probably a rather cyclical trend – but Kling suggests it’s not necessarily a bad thing. His argument seems to be that you can acquire enough computer science at the same time, but learning about economics could prove to be much more useful – even in the tech industry. Of course, it leaves out the fact that you can also pick up a ton of savings alongside. I would say both skills are important and it’s hard to see one being much more important than the other. If you have a propensity to do one, then pursue it – but if you are truly proficient, why not learn both?

Thanks for reading this Techdirt article. With so much going for our attention these days, we really appreciate you giving us your time. We work hard every day to bring quality content to our community.

Techdirt is one of the few truly independent media that remains. We don’t have a giant company behind us, and we rely heavily on our community to support us, at a time when advertisers are less and less interested in sponsoring small independent sites – especially a site like ours that does not want to put his finger on his reports. and analysis.

While other websites have resorted to pay walls, registration requirements, and increasingly annoying / intrusive advertising, we’ve always kept Techdirt open and accessible to everyone. But to keep doing it, We need your support. We offer our readers a variety of ways to support us, from direct donations to special subscriptions and cool products – and every little bit helps. Thank you.

–The Techdirt team

Filed Under: computer science, economics, education, students


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Square takes its big step in the banking sector http://woonsockethigh.org/square-takes-its-big-step-in-the-banking-sector/ http://woonsockethigh.org/square-takes-its-big-step-in-the-banking-sector/#respond Thu, 11 Mar 2021 05:38:24 +0000 http://woonsockethigh.org/square-takes-its-big-step-in-the-banking-sector/

It looks like Square is interested in becoming something like a bank.

According to WSJ reports, Square intends to submit an application later today (Sept. 7) to form a fully owned and operated bank in Utah.

This business unit would be called Square Financial Services Inc. – and would be designed to offer loans and deposit accounts to small businesses. The bank would be capitalized with around $ 56 million in cash.

This decision makes Square the third major FinTech player to adopt a banking license. Online lender SoFi has made a similar move, as has mobile banking start-up Varo Money Inc. The timing is hardly surprising – federal regulators have been more open to the idea of ​​new banks lately than they never have been since the Great Recession.

To get into banking, Square asks for a charter to form a so-called industrial loan company. Industrial loan companies have many of the same privileges as traditional banks, but they are allowed to be part of a corporation that does something other than banking. Sixteen other industrial banks are currently licensed to operate in Utah.

Square already has an SME lending arm – Square Capital – which it operates under a deal with Utah-based Celtic Bank. This lending transaction was quite successful for Square and has loaned over $ 1.8 billion to over 141,000 businesses.

“As we evolve, it becomes more and more important that we have direct relationships with regulators,” said Jacqueline Reses, who heads Square Capital and will be the chairman of the bank. Lewis Goodwin will be the bank’s interim CEO. Goodwin recently joined Square from Green Dot, where he was instrumental in leading the company’s banking subsidiary.

Square’s other business concerns, such as installment loans and Square Cash, will remain outside the bank.

Ms. Reses noted that the choice to apply for an industrial loan company charter as opposed to a traditional banking license allows Square to continue to participate in the parts of its business that are entirely non-financial – the sale of hardware payment terminals and the delivery of food via his Caviar, for example. Bank holding companies are prohibited from engaging in non-financial business activities.

But industrial loan charters can be a challenge to obtain – Walmart is one of the most public and notable failures. Their attempt to adopt an industrial loan charter sparked a widespread wave of complaints and anger from bank lobbyists and community groups who argued that non-financial corporations that own banks would concentrate too much business and economic power in one place.

And some of these same complaints were filed in relation to the new candidates for the industrial banking charter.

While SoFi does not currently engage in the type of business activities Walmart engages in, it would certainly be legally free to do so in the future, ”wrote Christopher Cole, executive vice president of Independent Community Bankers. of America, in a letter. to the FDIC. “SoFi might even become ambitious enough to build an online retail business that competes with Amazon. “

——————————

NEW PYMNTS DATA: STUDY ON CRYPTOCURRENCY PAYMENTS – MAY 2021

About the study: U.S. consumers see cryptocurrency as more than just a store of value: 46 million plans say they plan to use it to make payments for everything from financial services to groceries. In the Cryptocurrency Payments Report, PYMNTS surveys 8,008 cryptocurrency users and non-users in the United States to examine how they plan to use crypto to make purchases, what crypto they plan to buy. ‘use – and how merchant acceptance can influence merchant choice and consumer spending.






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How to start paying off student loans after college http://woonsockethigh.org/how-to-start-paying-off-student-loans-after-college/ http://woonsockethigh.org/how-to-start-paying-off-student-loans-after-college/#respond Thu, 11 Mar 2021 05:38:24 +0000 http://woonsockethigh.org/how-to-start-paying-off-student-loans-after-college/

The most important thing to know when you start paying off student loans is when your payments are due. Repayment begins at the end of your student loan grace period, usually six months after you graduate or leave school.

Making that first payment on time will put you on the path to success. But taking additional action immediately can also help if you want to do any of the following:

  • Pay off your loans faster.

  • Reduce your monthly payments.

  • Qualify for a loan discount.

Here’s how to start repayment on the right foot.

Know how to make student loan repayments

Your lender will likely work as part of a student loan manager that you will pay directly. You can manually pay your loans online or by check, just like any other bill. But automatic payment is particularly beneficial for student loans, as you’ll typically get a quarter-point-point interest rate reduction when you sign up.

Autopay allows your provider to automatically debit the monthly payment from your checking account. By signing up for automatic payment, you won’t forget to make a payment and fall behind by accident. Just make sure there is enough money in your checking account each month to avoid overdraft fees.

Start paying off your student loans early to save money

You pay more interest at the start of your repayment period than afterwards. If you want to limit the amount you pay back, engaging in certain strategies when you start paying off your student loans can maximize your savings.

  • Make additional payments. You can pay off student loans faster by making larger automatic payments or bi-weekly payments. By paying half the amount you owe every two weeks, you’ll make 13 full payments by the end of the year, instead of 12. Or you can make an extra payment every two weeks and take over your loans by half the time.

  • Refinance at a lower interest rate. Once you have a solid income, refinancing can save you money. To get the best interest rate, you or a co-signer will need a solid income and a credit score of at least 600. There is little downside to refinance private student loans. You can also refinance federal student loans, but it will cost you benefits like income-tested repayment and loan cancellation. You will want to be comfortable letting go of them.

Lower your payment if necessary

You might know right away that you can’t afford that first bill when it arrives. Instead of ignoring your loans, ask your agent to pay less with an income-based repayment plan.

Income-based repayment plans cap payments at 10% to 20% of your discretionary income and can be as low as $ 0. After 20 or 25 years of qualifying payments, your remaining balance is forfeited, although that amount is taxable. Switching early to an income-based repayment plan can ensure that every payment you make counts toward the rebate.

Track loan forgiveness eligibility

If you are entering the workforce with a job in the public service or in a non-profit organization, you can Public service loan remission. PSLF eliminates any federal student loan debt that you have after making 120 qualifying payments.

When you start paying off student loans, follow these steps to make sure that all of your payments will qualify for this program.

  1. Make sure you have the right loans. Only direct loans are eligible for public service loan forgiveness. You can consolidate the federal family education loan program or Perkins loans to make them eligible, but only payments on the new direct loan will count towards the 120 needed for forgiveness.

  2. Certify your job. After completing a qualifying year of employment, submit a Certificate of employment form at the Ministry of Education. Once the government confirms that your job is for an eligible employer, your student loan manager will change to FedLoan. You will then need to resubmit this form each year or if you change employers.

  3. Choose an income-based repayment plan. Only payments made under the standard repayment plan and income-based repayment plans count towards the civil service loan forgiveness. Since the standard plan pays off your loans after 120 installments, you would have nothing to forgive once you qualify for the forgiveness. Ask for an income-driven plan instead of Studentaid.gov.

Teachers and Perkins loan borrowers have additional federal student loan exemption options. Also understand the requirements of these programs before you make your first payment to make sure you’re on the right track.


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How many houses can I afford? | Nerdwallet http://woonsockethigh.org/how-many-houses-can-i-afford-nerdwallet/ http://woonsockethigh.org/how-many-houses-can-i-afford-nerdwallet/#respond Thu, 11 Mar 2021 05:38:24 +0000 http://woonsockethigh.org/how-many-houses-can-i-afford-nerdwallet/

To calculate how much home you can afford, we take into account a few main things, such as your household income, monthly debts (for example, car loan and student loan payments) and the amount of savings available for a advance payment. As a home buyer, you’ll want to have some level of comfort in understanding your monthly mortgage payments.

While your household income and regular monthly debt can be relatively stable, unforeseen expenses and unexpected expenses can take a toll on your savings.

A good rule of thumb when it comes to affordability is to have three months of payments in reserve, including your housing payment and other monthly debt. This will allow you to cover your mortgage payments in the event of an unforeseen event.

An important metric that your bank uses to calculate the amount of money you can borrow is the DTI ratio – compare your total monthly debt (for example, your mortgage payments, including insurance and property tax payments) to your monthly income before tax.

Depending on your credit score, you may qualify for a higher ratio, but in general, housing expenses should not exceed 28% of your monthly income.

For example, if your monthly mortgage payment including taxes and insurance is $ 1,260 per month and you have a monthly income of $ 4,500 before taxes, your DTI is 28%. (1260/4500 = 0.28)

You can also reverse the process to find what your housing budget should be by multiplying your income by 0.28. In the example above, this would allow a mortgage payment of $ 1,260 to reach an DTI of 28%. (4500 X 0.28 = 1260)

To calculate how much house you can afford, we assumed that with a down payment of at least 20%, you might be better served with a conventional loan. However, if you are considering a lower down payment, up to a minimum of 3.5%, you can request a FHA loan.

FHA guaranteed loans also have more relaxed eligibility standards – something to consider if your credit score is lower. If you would like to further explore an FHA loan, use our FHA Mortgage Calculator for more details.

Conventional loans can come with down payments as low as 3%, although qualifying is a bit more difficult than with FHA loans.

With a military connection, you can get a VA loan. This is a big deal, because mortgages guaranteed by the Department of Veterans Affairs generally do not require a down payment. The NerdWallet Home Affordability Calculator takes this major benefit into account when calculating your custom affordability factors.

Remember to select “Yes” under “Loan Details” in the “Are you a Veteran?” Section. ” box.

To learn more about the types of mortgages, see How to choose the best mortgage.


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What is real estate? – NerdWallet http://woonsockethigh.org/what-is-real-estate-nerdwallet/ http://woonsockethigh.org/what-is-real-estate-nerdwallet/#respond Thu, 11 Mar 2021 05:38:24 +0000 http://woonsockethigh.org/what-is-real-estate-nerdwallet/

Real estate is land and everything permanently attached to it, such as buildings, houses, fences, and trees. Real estate is also called real estate.

What counts as “permanently attached” to real estate often depends on local, state and federal regulations and what has been specifically cited in the contract for the sale of a property. Real estate and real estate are not the same as personal property.

Personal property refers to property that can be moved. Appliances like washers and dryers can be bought or sold with a home, but they are not considered part of the property. Likewise, rights to underground minerals can be sold separately from the land itself. Whether you are attached to the owner’s stainless steel appliances or want to search for gold in your new backyard, it is important to include these details in writing when buying or selling a property. immovable.

What are the types of real estate?

There are three main types of traditional and physical real estate.

  1. Residential real estate refers to a property where people can reside or stay, including single family homes, apartments, condos, and vacation homes. Investors in residential real estate make money by collecting rent from tenants or selling real estate that has risen in value.

  2. Commercial real estate is a building or property where business is conducted – think linear shopping malls, warehouses and office buildings. Commercial real estate can include industrial real estate (where goods are manufactured and housed, such as factories) and commercial real estate (where goods or services are sold, such as shopping malls). Commercial property owners also make money by collecting rents from tenants and potential increases in property values ​​that generate a profit on the sale.

  3. Earthen can be bought and sold as is or it can be developed. Investing in raw land can be tricky and involves more risk than investing in existing buildings. There is often no way for raw land to generate income unless you build on it, lease its use, or use it for farming purposes.

Publicity

NerdWallet Rating
NerdWallet Rating
NerdWallet Rating
Fresh

1%

other fees may apply

Fresh

0.50% to 2.5%

for funds; project fees vary

Invest in real estate

If you are a homeowner, have a previous investment in real estate, and enjoy taking care of a property, you may want to consider buying more traditional real estate and renting it out. But if you don’t want to own a home, you can always add real estate to your portfolio.

One way is with publicly traded companies REIT, or real estate investment trusts. REITs are companies that sometimes own and operate income-producing real estate. REITs are required to return at least 90% of their taxable income to shareholders each year, making them a popular choice for those looking to receive regular income payments – called dividends – from their investments.

Listed REITs offer high levels of liquidity (meaning you can buy and sell them easily) because their stocks are traded on a stock exchange.

Another non-traditional real estate investment option is to invest through a real estate crowdfunding platform. Many of them offer unlisted or private REITs, which tend to have less liquidity than publicly traded REITs. In return, these platforms claim to offer a high rate of return.

Why is real estate important?

Adding real estate to your investment portfolio helps you diversify your assets, which may make you more resistant to economic volatility. By spreading your money over different types of investments, such as stocks, bonds, and real estate, you create a stabilizing force within your portfolio. When stocks fall, real estate can rise (or vice versa).

By spreading your money over different types of investments, such as stocks, bonds, and real estate, you create a stabilizing force within your portfolio.

The real estate market can reflect the ups and downs of other assets. But movements in the real estate market are usually not as dramatic as those in the stock market, and the two assets can sometimes move in opposite directions, creating a balance for investors.

Should I invest in stocks or in real estate?

Investing in both stocks and real estate can be smart, and it’s quite common since many Americans invest in stocks and own a home. For a comparison of the two, read this article on stocks vs real estate. And you can easily invest in REITs through many online brokerage firms.


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Walgreens expands its financial services business strategy, in partnership with Synchrony and Mastercard http://woonsockethigh.org/walgreens-expands-its-financial-services-business-strategy-in-partnership-with-synchrony-and-mastercard/ http://woonsockethigh.org/walgreens-expands-its-financial-services-business-strategy-in-partnership-with-synchrony-and-mastercard/#respond Thu, 11 Mar 2021 05:38:24 +0000 http://woonsockethigh.org/walgreens-expands-its-financial-services-business-strategy-in-partnership-with-synchrony-and-mastercard/

DEERFIELD, Illinois, STAMFORD, Connecticut, ACHAT, New York, – () – Walgreens is expanding its financial services offering in partnership with Synchrony (NYSE: SYF) and Mastercard (NYSE: MA), as part of its continued commitment to deliver differentiated health services and benefits to customers. In the coming months, Walgreens will launch credit cards, issued by Synchrony, as well as a prepaid debit card, both powered by the Mastercard network.

Credit cards will be closely linked to Walgreens’ new customer loyalty program, myWalgreens, launched in November 2020, and cardholders will be able to receive myWalgreens cash rewards and other offers. Additionally, the flagship co-branded credit card will offer a wider range of benefits provided by Synchrony and Mastercard when used at other retailers and service providers.

The new cards will be the first in a range of new financial products and services planned by Walgreens to continue its health and wellness orientation and improve its loyalty program and the personalization of its customers. Walgreens plans to explore a number of Mastercard solutions in the payments technology ecosystem, including services such as insight and analytics, customer engagement and loyalty, cybersecurity, and in-focus financing. sales, including installments.

“Walgreens is committed to providing our customers and patients with unprecedented loyalty and reward experiences for managing their health and wellness, and we are delighted to partner with Synchrony and Mastercard, who share our commitment to supporting healthy communities, ”said John Standley, president of Walgreens. “As we continue to focus on creating new revenue streams, we look forward to exploring and introducing even more payment for health and wellness initiatives in the near future. ”

Eligible customers will be able to use the Walgreens credit card to make purchases at over 9,000 Walgreens stores, Walgreens.com and through the Walgreens mobile app. They will have access to contactless shopping experiences and mobile-focused money management features, as well as the ability to earn accelerated rewards. These same customers will also be able to use the flagship co-branded credit card to make purchases at other retailers and places of business wherever Mastercard is accepted, and earn rewards, including accelerated rewards when purchasing products in. the health and wellness category, one of the region’s Walgreens champions in communities across America.

“Synchrony is proud to be Walgreens’ partner of choice for this new Walgreens Mastercard,” said Brian Doubles, President of Synchrony. “Walgreens champions the health and well-being of communities, and through our expertise in healthcare technology and financing, we will join forces to create convenient payment solutions and digital experiences to help customers pay for their daily purchases. ”

“We understand the critical need to prioritize the consumer experience in a way that is directly relevant to their daily lives, and this card is representative of that,” said Linda Kirkpatrick, President of North America at Mastercard. “We are proud to team up with Walgreens and Synchrony to further connect their customers to the digital economy and enhance the consumer health and pharmacy experience through our differentiated technology and established role in healthcare. . ”

The new Walgreens credit cards are expected to be available in the second half of this year.

About Walgreens

Walgreens (www.walgreens.com) is part of the Retail Pharmacy USA division of Walgreens Boots Alliance, Inc. (Nasdaq: WBA), a world leader in retail and wholesale pharmacy. As America’s best-loved pharmacy, health and beauty company, Walgreens’ goal is to champion the health and wellness of every community in America. Operating more than 9,000 outlets in America, Puerto Rico and the US Virgin Islands, Walgreens prides itself on being a neighborhood health destination serving approximately 8 million customers every day. Walgreens pharmacists play a vital role in the US healthcare system by providing a wide range of pharmaceutical and healthcare services. To best meet the needs of customers and patients, Walgreens offers a true omnichannel experience, with platforms bringing together physical and digital, supported by the latest technologies to provide high quality products and services to local communities nationwide.

About synchronization

Synchrony (NYSE: SYF) is a leading consumer financial services company. We offer a wide range of specialized financing programs, as well as innovative banking products for consumers, in key industries including digital, retail, home, automotive, travel, health and animals. of company. Synchrony allows our partners to increase their sales and retain consumers. We are one of the largest private label credit card issuers in the United States; we also offer co-branded products, installment loans and consumer finance products for small and medium-sized businesses, as well as healthcare providers. Synchrony is changing what’s possible with our digital capabilities, deep industry expertise, actionable data insights, seamless customer experience, and personalized financing solutions. For more information visit www.synchrony.com and Twitter: @Synchrony.

About Mastercard

Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive digital economy that benefits everyone, everywhere by making transactions safe, simple, smart and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our business. With connections in more than 210 countries and territories, we are building a sustainable world that opens up invaluable possibilities for all.


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How do I know if the American Express Delta Reserve credit card is right for me? http://woonsockethigh.org/how-do-i-know-if-the-american-express-delta-reserve-credit-card-is-right-for-me/ http://woonsockethigh.org/how-do-i-know-if-the-american-express-delta-reserve-credit-card-is-right-for-me/#respond Thu, 11 Mar 2021 05:38:24 +0000 http://woonsockethigh.org/how-do-i-know-if-the-american-express-delta-reserve-credit-card-is-right-for-me/

the Delta SkyMiles® Reserve American Express Card is a high fee, high income credit card that can increase your SkyMiles earnings if you are a frequent traveler to Delta. However, the high annual fee means you’ll have to think carefully about whether the benefits of this card outweigh the costs.

You don’t mind the high annual fees

However, the Delta SkyMiles® Reserve American Express Card offers a wide range of benefits that can justify its high price for the right cardholder. Conditions apply.

Looking for a big welcome bonus

the Delta SkyMiles® Reserve American Express Card offers a decent welcome bonus: Earn 50,000 bonus miles and 10,000 Medallion® Qualifying Miles (MQM) after spending $ 3,000 on purchases on your new card in your first 3 months. Plus, earn up to $ 100 in statement credits for qualifying U.S. restaurant purchases with your card during the first 3 months of membership. Conditions apply.

Since the welcome bonus is one of the most valuable perks of this card, if you cannot enjoy it without getting into serious debt then this card is not for you. You may want to consider cards with lower spending requirements, such as the Blue American Express Delta SkyMiles® Card or the American Express® Green Card. The welcome bonuses on these cards are lower, as are the minimum required expenses. Conditions apply.

You are a big Delta spender

the Delta SkyMiles® Reserve American Express Card earn 3 Delta SkyMiles per dollar spent on Delta flights and Delta vacations. All other expenses are worth 1 SkyMile for every $ 1 spent. Conditions apply.

If you travel regularly with Delta at paid fares, the 3X bonus can help you accumulate many miles.

You can use the journeyman certificate

One of the most important advantages of Delta SkyMiles® Reserve American Express Card is the Journeyman certificate which is awarded on each anniversary of the card. Conditions apply.

When you book a ticket on Delta, you can exchange your Companion Certificate for a ticket of equivalent value for a Travel Companion. The companion certificate is valid on domestic flights in economy class, Delta Comfort + or first class. All you have to pay is the taxes and fees.

Since your Companion Certificate can be redeemed for a First Class ticket, this unique perk could potentially be worth much more than the annual card fee.

You can use a status boost

Spend on your Delta SkyMiles® Reserve American Express Card will help you earn Medallion Qualifying Miles (MQM) towards elite status.

Cardholders who spend $ 30,000 on the Delta SkyMiles® Reserve American Express Card will earn 15,000 MQM. This can be repeated up to four times a year. This means that you could potentially earn up to 60,000 MQM by spending on your card each year. Conditions apply.

Cardholders who spend at least $ 25,000 per year also receive a Medallion Qualification Dollar (MQD) waiver. Normally, Delta Platinum, Gold, and Silver Medallion status requires spending of $ 3,000 to $ 9,000 with Delta Air Lines. By billing $ 25,000 in expenses to the Delta SkyMiles® Reserve American Express Card, these requirements are lifted. Conditions apply.

You want travel benefits

the Delta SkyMiles® Reserve American Express Card also comes with smaller perks that most frequent travelers would find very valuable. For example, cardholders receive free Sky Club access when traveling in Delta, as well as two unique Sky Club passes that they can use for their guests. Conditions apply.

In particular, the card now offers free access to the American Express Centurion lounges when traveling at the Delta fare booked with the Delta SkyMiles® Reserve American Express Card. Conditions apply.

Other travel benefits include waived first checked baggage fees, boarding in Main Cabin 1, and a $ 100 Global Entry or TSA Precheck credit every 4.5 years. Conditions apply.

The bottom line

When applying for a high fee travel rewards card, it is important to ensure that the benefits you will accumulate will be worth more than the costs of keeping the card open.

Because the Delta SkyMiles® Reserve American Express Card does not have broad categories of bonus or benefit spending other than purchases made through the airline, you must be a frequent traveler to Delta to justify the expense of adding this card to your collection.

So if you love Delta but only travel a few times a year, then this card is not for you. But if you’re the type of frequent Delta traveler who knows the names of your flight attendants and pilots, then this could be exactly the card to boost your SkyMile and MQM earnings.

All information on the American Express® Green Card was independently collected by NerdWallet. the American Express® Green Card is no longer available through NerdWallet.

How to Maximize Your Rewards

You want a travel credit card that prioritizes what’s important to you. Here are our choices for the best travel credit cards of 2021, including those that are best suited:


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