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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Everything you need to know about filing taxes before the July 15 deadline

Tax day for 2019 is finally around the corner.

Taxpayers must file their returns and pay any outstanding liabilities by July 15 this year, three months later than the typical tax deadline due to the coronavirus. In March, the Internal Revenue Service gave Americans extra time to get their tax business together as they weathered the pandemic and ensuing lockdowns.

Read more: How to file taxes: The full breakdown

But the extended deadline applies to more than just the returns and tax payments.

Self-employed workers face multiple due dates on July 15, while those with unclaimed refunds from 2016 have until that date to finally get them. You have until July 15 also to lower your taxable income, or pay penalties on early retirement withdrawals.

Here’s what the extended deadline affects.

The tax day was extended to July 15th because of Covid-19. (Photo: Getty)
The tax day was extended to July 15th because of Covid-19. (Photo: Getty)

If you’re a freelancer

Self-employed workers

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Teachers weigh risks of COVID-19

Christy Karwatt teaches social studies, but she’s been thinking more like a math teacher the past few days.

At 61, the Sarasota High School teacher is entering her 27th year in Florida’s system, and she loves her job. She had planned on teaching three more years to maximize her retirement payment. 

As COVID-19 cases spike across the country, officials pour on pressure to reopen schools full-time this fall.

Monday, Florida’s education commissioner ordered the state’s schools to open full-time in August. Tuesday, U.S. Education Secretary Betsy DeVos criticized plans to offer in-person instruction only a few days a week. And the Centers for Disease Control and Prevention is reworking its guidance on reopening schools after President Donald Trump said the guidelines were too tough. 

Early guidance from health experts: Scheduled days home, more online learning, lots of hand-washing

Karwatt began crunching the numbers on how much money she would sacrifice

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How the coronavirus is changing the influencer business, according to marketers and top Instagram and YouTube stars

Macy Mariano.
Macy Mariano.

Macy Mariano.

  • Marketers and digital creators are adjusting to rapid changes in the influencer-marketing industry as the coronavirus continues to spread globally.

  • As with most businesses in the ad industry, professionals are trimming budgets, canceling events, and looking for alternative revenue streams.

  • Business Insider spoke with influencer-marketing professionals across the industry to better understand how they are adjusting their businesses to continue to earn a living during the coronavirus pandemic and the resulting economic turmoil. 

  • Subscribe to Business Insider’s influencer newsletter: Influencer Dashboard.

This post will be added to when new information becomes available and was last updated on July 9, 2020.

As the near-term effects of the coronavirus outbreak continue to be felt across the global economy, businesses and creators in the influencer-marketing industry are doing their best to adapt.

Influencers have seen some of their sponsorship deals shut down and events cancelled, with many shifting their

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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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A 21st-Century Working Girl

Click here to read the full article.

LONDON — She may be a young British blonde with a glam job in media, questionable coworkers and a natural writer — but she’s no Bridget Jones. She’s Margot Jones, fashion editor at the fictional magazine Haute, and she’s got a lot more on her mind than weight loss, chardonnay and unrequited love.

Jones is heavily pregnant, and not sure whether she can trust the young woman who’ll be her maternity leave replacement, the insecure and ambitious Maggie Beecher. To add to her woes, Jones’ best friend has just lost a longed-for baby and, inexplicably, refuses to return her calls and texts.

Unlike Bridget, who never held back, Margot also harbors a few guilty secrets.

The two rivals — Margot and Maggie — are the central characters in Harriet Walker’s debut novel, “The New Girl,” (Hodder & Stoughton) a pacy, suspenseful read that

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British retail to lose further 5,000 jobs in blow to economy

By Kate Holton

LONDON (Reuters) – Britain’s high street faces more than 5,000 job cuts after two of its biggest names said that customers were unlikely to return to their old shopping habits after the coronavirus crisis, in the latest blow to the country’s ailing economy.

Health and beauty chain Boots and department store John Lewis on Thursday joined other retailers in warning that they had to close stores to survive after customers moved online and remained wary of returning to town centres.

Boots, owned by Walgreens Boots Alliance <WBA.O>, announced 4,000 cuts in a blow to British finance minister Rishi Sunak, who announced his latest plan to save jobs on Wednesday, while John Lewis said it could lose 1,300.

Thousands of job losses have already been announced by the menswear shop TM Lewin, department stores Harrods and Debenhams, fashion stores Oasis, Warehouse, and Arcadia, and the DIY outfit Travis

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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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How to Sew Comfortable and Protective Face Masks at Home

From Good Housekeeping

As more information about the coronavirus pandemic develops, some of the information in this story may have changed since it was last updated. For the most up-to-date information on COVID-19, please visit the online resources provided by the CDC, WHO, and your local public health department.

Making a DIY face mask has become the top stay-home activity during the novel coronavirus outbreak – whether it’s for your own personal use or to donate to healthcare facilities. The CDC recommends wearing a face covering any time you go out in public, and several state and local governments are now requiring it as COVID-19 cases continue to rise. On top of that, medical face masks for healthcare workers have been running low due to high demand for personal protective equipment (PPE).

Hospitals are asking for donations of N-95 respirators (the CDC-recommended masks for healthcare professionals working with infectious patients).

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