Posted on October 8, 2020 by iwano@_84
Headquartered in Conway, Arkansas, Home BancShares, Inc. (HOMB) is a $16.9 billion asset holding company and parent to Centennial Bank, a Southeastern commercial and retail bank. Centennial provides a wide range of commercial and retail banking services to businesses, developers, and individuals. With its more than 165 branch location, Centennial offers services across the state of Arkansas, the panhandle and south Florida, Alabama’s Gulf Coast and New York City.
While HOMB has continued to grow much faster than bank peers, some have called into question the long-term net interest margin (NIM) potential juxtaposed against the rate of future earnings growth. While credit is difficult to forecast, I do believe future net charge-offs (NCOs) are going to be limited in nature. Expense management has been a clear priority for the management team, and in my mind, it will be the swing factor for future profitability.
Today, my bullish stance
Posted on September 28, 2020 by iwano@_84
Mortgage adviser: Liz Bayer, ProMortgage.
Property type: Single-family home in Berkeley.
Appraised value: $1.215 million.
Loan amount: $449,000.
Loan type: 30-year fixed.
Backstory: I have a number of clients taking advantage of historically low rates and historically high home equity to get a cash out refinance. Past clients of mine had decided that they plan to live out their days in their home but wanted to tap into their equity to make home improvements to provide features that will benefit them as they age.
What was great is that even though they had a good rate from a previous transaction, it made all the sense in the world for them to refinance rather their mortgage taking out more than $100,000 with a new rate — which was lower than the one they had, even though this was a cashout refinance.
Although they did have a lot
Posted on September 26, 2020 by iwano@_84
Home improvement doesn’t always mean dropping a ton of money to make things look better. In fact, there are many cheap ways to make your home look and feel better in an instant. Small improvements and additions can make a huge impact on your home and its overall ambiance — and thanks to Amazon, finding these types of life-changing pieces is now easier than ever.
To give you a head start on your new home-upgrading project, I’ve combed through the marketplace and uncovered some great finds. So before you begin shopping, it may be worth checking out these items that’ll quickly turn your dwelling space into the comfortable, yet aesthetic environment you always knew it could be.
From stainless steel contact paper that can be used to spruce up your appliances to decorative rugs that’ll add texture and depth your living space, this list has it all. There are tons
Posted on September 24, 2020 by iwano@_84
AUTUMN is well and truly here so it’s time to swap out your bright and bold colourful decor for some moody orange and brown hues instead.
Stacey Solomon has been leading the way with cheap DIY autumnal decorations which she’s been making using budget bits – and it’s just the vibe we’re after.
Whether you’re going full blown Halloween, or want to incorporate a subtle seasonal makeover, chances are you can do it yourself for cheap with a few of Stacey’s handy hacks.
From cheap hand-made wreaths to a fun solution to odd socks, Stacey’s ideas are endless – and even her pal Mrs Hinch is in on it too, making handy decorative garlands.
The 30-year-old mum-of-three recently showed her 3.7 million Instagram followers how to whip up a seasonal wreath
Posted on September 22, 2020 by iwano@_84
Is more volatility on tap for stocks? Following a three-week losing streak, the longest in about a year, all eyes are on the market. The three major U.S. stock indexes have struggled for the last few weeks as the titans of tech, which have fueled the charge forward from COVID-induced lows, came under pressure due to overheated valuations, with market watchers waiting to see how renewed lockdown fears will come into play.So, what’s the bottom line for investors? Even though uncertainty remains as Wall Street gears up for the fourth quarter, the pros are pounding the table on a select few names, noting that these tickers boast strong long-term growth narratives.Bearing this in mind, our focus shifted to two penny stocks backed by investment firm Cantor. Major gains could be in store, as the firm’s analysts
Posted on May 6, 2020 by iwano@_84
Park model mobile homes offer cheap living in price only. The amenities some parks offer make for champagne living on a beer budget.
The term mobile home is misleading. They are usually mobile only once…from factory to park location. For sure, you have seen them in route to their permanent homes. Some are left above grade with skirts applied at the base and stairs built for unit access. Some are placed on slabs and left at grade level.
Do you require a golf course for park residents? No problem…need tennis courts…no problem. More popular now is pickle ball, a game played on a small court with a solid paddle and a wiffle ball.
How cheap is cheap? Glad you asked, some used, furnished park models can be purchased for $15,000. These are models in a very secure park, age restricted, with small pets allowed.
The cheap living with style comes … Read More
Posted on May 5, 2020 by iwano@_84
Remodeling the kitchen can be one of the most expensive projects you take on. However, a good kitchen remodel can also give you a great return on your investment. If you plan on using cheap kitchen cabinets in your home, you will want to make sure you know what to look for before you purchase them.
The first item that needs to be considered is the type of material the cheap kitchen cabinets are made from. This will help you to determine how well they can hold up under heavy use. For example, if you have young children and your cabinets are always getting wet, you may want to stay away from those made from particleboard.
You will also want to consider the style of the cabinets and whether they will give you the look you desire. Unfortunately, many people often buy the lowest price cabinets available and then decide … Read More
Posted on May 4, 2020 by iwano@_84
For most people in the UK, home loans necessarily connote cheap finance. How can they not get cheaper finance when they have offered lien on home to loan provider? Loan providers however devise ways to overcharge borrowers who are not much conversant with the ways of the financial market. Interest is generally charged on the higher side, and borrowers also have to shell a larger sum as fees for the services of the lender.
So, does the concept of cheap home loans not exist? Cheap Home Loans do exist, but not as a rule. Cheap home loans have to be supplemented with sufficient efforts on the part of the borrower to make them possible. Though borrowers may not rest at any stage of the life of the loan and keep an eye on every cost that is added to the loan, efforts will have to be primarily made during the … Read More