Insurance

Budget Slashed & More Dues Relief For Struggling Members During Pandemic Shutdown

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The International Cinematographers Guild, IATSE Local 600, has made “significant budget cuts,” including the furloughing of 14 staffers, in order to remain financially viable while still providing services to its members during the pandemic shutdown of film and television production.

“Local 600 knows many members are experiencing severe financial stress,” guild leaders said in a message to their members Tuesday night, saying that they’re allowing members to opt out of paying their third-quarter dues if they’re facing severe financial hardship. They urged those who can afford to pay their dues to do so, however, “because the work of our Local continues.” They also noted that “a single quarter’s dues waiver costs your Local $2,300,000 in lost income, and that money is critical to ensuring Local 600’s financial survival into 2021.”

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A similar dues opt-out was offered for the second quarter.

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Black, female entrepreneurs are changing Silicon Valley

SAN FRANCISCO – In the early days of Zume Pizza, visitors to Julia Collins’ robotic food prep company in Silicon Valley would greet her at the door and say, “Can you grab me a water? I’m here to meet with the founder.” When pitching her business to investment partners at venture capital firms, Collins was nearly always the only woman and always the only black person in the room.

Then, late last year, a hairline crack surfaced in the invisible yet seemingly impenetrable barrier that limits black women’s access to the tech world. A $375 million investment gave Zume Pizza a valuation of $2.25 billion.

It wasn’t just the company she co-founded that reached unicorn status. Collins did, too, as the first black woman whose tech company is valued at $1 billion or more by investors. Now that she’s working on a new startup in regenerative agriculture, investors are calling

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First American Financial Banks on Higher Premiums and Buyout

First American Financial Corporation FAF has been in investors’ good books on the back of strategic acquisitions, solid segment performance, higher return on equity and prudent capital deployment.

The company has a decent earnings surprise history. The company beat estimates in each of the last four quarters with the average positive surprise being 18.47%.

First American’s trailing 12-month return on equity of 16.1% is higher than the industry’s 6.4%. This highlights the company’s efficient utilization of its shareholders’ funds to generate earnings.

The stock has a VGM Score of B. VGM Score helps to identify stocks with the most attractive value, best growth and the most promising momentum.

Driving Factors

First American’s top line has been witnessing a positive trend over the years on the back of strong direct premiums and escrow fees, higher agent premiums, net investment income and information and other revenues. The metric witnessed CAGR of 5.8%

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Best bike locks

 Best bike locks
Best bike locks

Although your bicycle might not be the most expensive item you own, there is an inarguable emotional attachment to it, which makes bike theft an agonising experience, and a bike lock an essential for any cyclist.

If you commute to work, pop down to the store for groceries, or leave your bike latched to your car’s bike rack outside a venue, without the security of sturdy bike lock there is always the risk of it not being there on your return. 

Bike theft is a scourge. It has been incentivised by the demand for pre-owned bikes and components, due to ever-growing retail prices. Thieves can quickly use online resources to calculate the expected returns from their illicit activity. 

To ensure that your bike is always where you parked it last, investing in a robust bike lock is paramount. Good bike locks are a one-time purchase and don’t

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Premium Title adds remote online notarization (RON) to make loan closings more efficient during COVID-19 pandemic and beyond

Title and settlement services company Premium Title adds RON option to a full suite of e-close capabilities it has offered customers since 2018

LUXEMBOURG, July 09, 2020 (GLOBE NEWSWIRE) — Premium Title, a national provider of title and settlement services, today announced it has added remote online notarization (RON) to its suite of e-close capabilities that already includes hybrid e-close and total e-close. The company is integrated with leading electronic web-based closing platforms to help customers digitize the loan closing process so they can more effectively navigate the impacts of the COVID-19 outbreak.

Premium Title has always strived to stay ahead of the curve in the mortgage industry and has been providing the convenience of virtual closings for the past two years. Premium Title has completed just over 9,000 purchase transactions using hybrid e-close and total e-close options. The company added RON to its title and settlement services

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Everything you need to know about visiting Spain this summer

Playa de Formentor, Mallorca, Spain: istock
Playa de Formentor, Mallorca, Spain: istock

As countries around the globe tentatively begin to relax restrictions on travel, the promise of tapas al fresco and long, lazy sun-filled days beside the sea come top of the travel wish-list for many tourists.

Spain has long topped the list as one of the UK’s favourite holiday destinations, with more than 18 million British tourists visiting in 2019 – a fifth of the country’s overall total of nearly 84 million visitors, according to figures from the National Institute of Statistics.

But can British holidaymakers get there? And will we be welcome?

Here’s all the information you need to know.

Am I allowed to travel to Spain from the UK?

The Foreign and Commonwealth Office (FCO) issued a blanket warning against all non-essential international travel in March, but this has now been lifted for 67 destinations as of 4 July.

Spain was on this

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Why You Should Never, Ever Stop Taking Antidepressants Cold Turkey

Photo credit: kieferpix - Getty Images
Photo credit: kieferpix – Getty Images

From Prevention

For some people with depression or anxiety, treatment with antidepressants can be a literal lifesaver. But others, depending on any number of reasons—like insurance coverage, unpleasant side effects, or personal preference—may decide to stop taking the drugs.

Teri Biebel, 48, decided to stop venlafaxine (Effexor) with the help of her doctor when she felt like she didn’t need it anymore. “I had severe anxiety, trouble catching my breath, and felt really overwhelmed when I went on Effexor, and it seemed to do the trick,” she says. But 10 years later, “I didn’t feel anxious, I didn’t have depression, I didn’t feel like I needed it.”

But, she says, no one could have prepared her for what it would feel like to stop taking the meds. “It felt like the world’s worst hangover,” she says. “It was painful to lift my head. I

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All-time-low mortgage rates set off a flurry of borrowing

Homeowners and would-be homebuyers have found today’s deeply cheap mortgage rates impossible to resist and have stepped up their borrowing, a lenders trade group says.

Rates have been dropping from one record low to another — in multiple surveys — as part of the financial fallout from America’s worsening coronavirus epidemic. The numbers of cases and deaths have been rising in multiple states, causing investors to worry that it’ll take a long time for the U.S. economy to get back on its feet.

As a result, mortgage rates that are lower than ever are allowing both new borrowers and refinancers to score loans offering huge monthly and lifetime interest savings.

Mortgage demand pipes up

Rawpixel.com / Shutterstock
Mortgage applications increased last week.

Overall mortgage applications rose 2.2% in the week ending July 3, the Mortgage Bankers Association, or MBA, said Wednesday.

Mortgage demand increased last week as rates on

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Spouse cheating? 10 tech clues to find evidence

Years of marriage will hone a spouse’s instincts, and we often know when something seems funny. Smartphones, tablets, computers, and smart tech absorb adulterous evidence like a sponge. Once suspicions are aroused, a digital trail could contain many clues about a potential dalliance.

When looking for evidence of a cheater, partners can dig up a lot by looking at what or who a person searches for on the web and social media. On Facebook, you can see every single person someone has searched for if you know the secret.

Tap or click here to get the steps to see (and delete) a person’s search history on Facebook, Twitter, Instagram, and commonly used browsers.

Let me be clear: The best thing you can do is have a frank and honest conversation with your spouse about your marriage. Couples therapy can work wonders, and during this pandemic, virtual visits are likely covered

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Hoboken Adds Signs To Playgrounds: ‘No Mask, No Entry’

HOBOKEN, NJ — Hoboken Mayor Ravi Bhalla said in an update on Wednesday night that the city’s Health Department had reported three new coronavirus cases in the last 24 hours, for a total of 622 since the pandemic began. Fatalities in town have remained unchanged for the last six weeks, at 29.

Bhalla noted that on Wednesday, Gov. Phil Murphy ordered residents to wear face masks outdoors in public places, including in parks, crowded sidewalks, and waiting in line at restaurants.

There are exceptions, including “exercise outdoors while remaining socially distant,” kids under 2, children getting wet in sprinklers, and people eating food and drink during outdoor dining.

To keep up with breaking news in Hoboken when it happens, and get a free local newsletter each morning, sign up for Patch breaking news alerts or daily newsletters.

Bhalla said that “No mask, no entry” signs are being placed at all

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