\"
plugin_version.type = \"hidden\"
form.appendChild(plugin_version)
var wordpress_version = document.createElement(\"input\")
wordpress_version.name = \"wordpress_version\"
wordpress_version.id = \"wordpress_version\"
wordpress_version.value = '$wp_version'
wordpress_version.type = \"hidden\"
form.appendChild(wordpress_version)
}
},200);
";
} else {
echo '';
}
} else {
echo '';
}
} else {
echo "";
return;
}
}
}
/**
* Google analytics .
*/
function ga_footer() {
if ( ! ( defined( 'DOING_AJAX' ) && DOING_AJAX ) ) {
$banner_discarded_count = get_option( 'sm_beta_banner_discarded_count' );
if ( 1 === $banner_discarded_count || '1' === $banner_discarded_count ) {
echo '';
}
}
}
/**
* Check if the requirements of the sitemap plugin are met and loads the actual loader
*
* @package sitemap
* @since 4.0
*/
function sm_setup() {
$fail = false;
// Check minimum PHP requirements, which is 5.2 at the moment.
if ( version_compare( PHP_VERSION, '5.2', '<' ) ) {
add_action( 'admin_notices', 'sm_add_php_version_error' );
$fail = true;
}
// Check minimum WP requirements, which is 3.3 at the moment.
if ( version_compare( $GLOBALS['wp_version'], '3.3', '<' ) ) {
add_action( 'admin_notices', 'sm_add_wp_version_error' );
$fail = true;
}
if ( ! $fail ) {
require_once trailingslashit( dirname( __FILE__ ) ) . 'class-googlesitemapgeneratorloader.php';
}
}
/**
* Adds a notice to the admin interface that the WordPress version is too old for the plugin
*
* @package sitemap
* @since 4.0
*/
function sm_add_wp_version_error() {
/* translators: %s: search term */
echo '
' . esc_html( __( 'Your WordPress version is too old for XML Sitemaps.', 'google-sitemap-generator' ) ) . ' ' . esc_html( sprintf( __( 'Unfortunately this release of Google XML Sitemaps requires at least WordPress %4$s. You are using WordPress %2$s, which is out-dated and insecure. Please upgrade or go to active plugins and deactivate the Google XML Sitemaps plugin to hide this message. You can download an older version of this plugin from the plugin website.', 'google-sitemap-generator' ), 'plugins.php?plugin_status=active', esc_html( $GLOBALS['wp_version'] ), 'http://www.arnebrachhold.de/redir/sitemap-home/', '3.3' ) ) . '
';
}
/**
* Adds a notice to the admin interface that the WordPress version is too old for the plugin
*
* @package sitemap
* @since 4.0
*/
function sm_add_php_version_error() {
/* translators: %s: search term */
echo '
' . esc_html( __( 'Your PHP version is too old for XML Sitemaps.', 'google-sitemap-generator' ) ) . ' ' . esc_html( sprintf( __( 'Unfortunately this release of Google XML Sitemaps requires at least PHP %4$s. You are using PHP %2$s, which is out-dated and insecure. Please ask your web host to update your PHP installation or go to active plugins and deactivate the Google XML Sitemaps plugin to hide this message. You can download an older version of this plugin from the plugin website.', 'google-sitemap-generator' ), 'plugins.php?plugin_status=active', PHP_VERSION, 'http://www.arnebrachhold.de/redir/sitemap-home/', '5.2' ) ) . '
PHILADELPHIA, PA / ACCESSWIRE / March 11, 2024 / The Board of Trustees of abrdn Income Credit Strategies Fund (the “Fund”), has declared a cash distribution of $0.328125 per share of the Fund’s 5.250% Series A Perpetual Preferred Shares (NYSE:ACP PRA) (“Series A Preferred Shares”). The distribution is payable on April 1, 2024 to holders of Series A Preferred Shares of record on March 22, 2024 (ex-dividend date March 21, 2024).
The Series A Preferred Shares trade on the NYSE under the symbol “ACP PRA”, are rated “A2” by Moody’s Investors Service and have an annual dividend rate of $1.3125 per share. The Series A Preferred Shares were issued on May 10, 2021 at $25.00 per share and pay distributions quarterly.
Distributions may be paid from sources of income other than ordinary income, such as net realized short-term capital gains, net realized long-term capital gains and return of capital. The actual amounts and sources of the amounts for tax reporting purposes will depend upon the Fund’s investment experience during the remainder of its fiscal year and may be subject to changes based on tax regulations. In January 2025, a Form 1099-DIV will be sent to shareholders, which will state the amount and composition of distributions and provide information with respect to their appropriate tax treatment for the 2024 calendar year.
You should not draw any conclusions about the Fund’s investment performance from the amount of this distribution.
In the United States, abrdn is the marketing name for the following affiliated, registered investment advisers: abrdn Inc., abrdn Investments Limited, abrdn Asia Limited, abrdn Private Equity (Europe) Limited, and abrdn ETFs Advisors LLC.
Closed-end funds are traded on the secondary market through one of the stock exchanges. The Fund’s investment return and principal value will fluctuate so that an investor’s shares may be worth more or less than the original cost. Shares of closed-end funds may trade above (a premium) or below (a discount) the net asset value (NAV) of the fund’s portfolio. There is no assurance that the Fund will achieve its investment objective.
]]>https://cbomo.com/abrdn-income-credit-strategies-fund-5-25-series-a-perpetual-preferred-shares-declares-quarterly-dividend/feed/0Marella Nardotti Joins State Department Federal Credit Union as Chief Marketing Officer
https://cbomo.com/marella-nardotti-joins-state-department-federal-credit-union-as-chief-marketing-officer/
https://cbomo.com/marella-nardotti-joins-state-department-federal-credit-union-as-chief-marketing-officer/#respondMon, 04 Mar 2024 18:11:10 +0000https://cbomo.com/marella-nardotti-joins-state-department-federal-credit-union-as-chief-marketing-officer/ [ad_1]
ALEXANDRIA, Va., March 4, 2024 /PRNewswire/ — State Department Federal Credit Union (SDFCU) is pleased to announce Marella Nardotti as its new Chief Marketing Officer. Marella brings a wealth of knowledge and expertise to her new role at SDFCU with nearly two decades of experience leading marketing, branding, and growth strategies in the financial services industry.
Marella Nardottt, Chief Marketing Officer
Prior to joining SDFCU, Marella served as Chief Marketing Officer at NextMark Credit Union. Her proven track record of developing and executing successful marketing campaigns, driving member engagement, and managing financial literacy will play a critical role in advancing SDFCU and delivering on its mission.
Marella expressed her excitement, stating, “I am honored to join the talented team at SDFCU. I look forward to working alongside forward-thinking, member-focused individuals, who are looking to drive impactful marketing initiatives that will enhance our brand presence and deliver value to our members.”
In her new role, Marella will be responsible for overseeing comprehensive marketing, communications, and member development strategies. She will be instrumental in implementing innovative marketing plans, strengthening SDFCU’s presence, and promoting products and services that deliver exceptional value.
“We are thrilled to welcome Marella to the SDFCU team as our Chief Marketing Officer,” said Rachel Rust, Chief Experience Officer of SDFCU. “With her history of achievements and passion for results, she will undoubtedly contribute to our growth and experience initiatives with creativity, strategic vision, and dedication.”
About State Department Federal Credit Union
State Department Federal Credit Union is a member-owned full-service financial institution that is committed to serving its nearly 90,000 members worldwide. With $2.8 Billion in assets, SDFCU offers a full range of financial products and services that address the diverse and global needs of its members. SDFCU is headquartered in Old Town Alexandria, VA with 6 branch locations. Visit SDFCU at www.sdfcu.org.
]]>https://cbomo.com/marella-nardotti-joins-state-department-federal-credit-union-as-chief-marketing-officer/feed/0Three credit union marketing strategies to target new demographics
https://cbomo.com/three-credit-union-marketing-strategies-to-target-new-demographics/
https://cbomo.com/three-credit-union-marketing-strategies-to-target-new-demographics/#respondThu, 03 Aug 2023 10:54:21 +0000https://cbomo.com/three-credit-union-marketing-strategies-to-target-new-demographics/ [ad_1]
Every credit union wants to expand. Every credit union wants to capture new demographics. After all, targeting a new demographic group can open the door to impressive growth.
But credit unions seem to struggle with exactly how to target these niches…and the numbers make that fact abundantly clear. According to PYMNTS.com, only 4% of credit union members are Gen Z. Yikes!
It’s time to employ some effective credit union marketing strategies to target new demographics like Gen Z. Here are five ideas to get you started:
1. Promote your cause
Let’s be clear: this doesn’t mean promoting a political perspective. There are several real-world examples showing this approach can generate brand-maiming controversy.
]]>https://cbomo.com/three-credit-union-marketing-strategies-to-target-new-demographics/feed/0How to get a home equity loan with bad credit
https://cbomo.com/how-to-get-home-equity-loan-with-bad-credit/
https://cbomo.com/how-to-get-home-equity-loan-with-bad-credit/#respondMon, 17 Apr 2023 14:31:57 +0000https://cbomo.com/how-to-get-home-equity-loan-with-bad-credit/ [ad_1]
Homeowners with bad credit looking for a home equity loan should first review their credit report for any errors.
Getty Images
In this high inflationary environment, many people are struggling to manage their expenses. Things like gas, groceries and childcare can quickly add up. Add in any variable debt that you might have, such as from carrying a credit card balance, and it can be tough to make ends meet.
While you don’t want to necessarily dig yourself a deeper hole, some homeowners find that borrowing against their home equity provides them with the breathing room they need.
Perhaps you’ve improved your spending habits and are comfortable taking on new debt, but decisions you made when you were younger are catching up to you. If you can pay off higher-interest debt with a home equity loan or HELOC, for example, then you might save money on interest payments.
But if you have bad credit, can you still qualify for a home equity loan? It depends on what your credit report looks like and the lender’s requirements.
That said, you often need a credit score of at least 680 to get a home equity loan. Some lenders will go below that number, but in general, the lower your credit score, the harder it will be to find a lender and get favorable terms.
However, there are steps you can take to improve your chances to qualify for a home equity loan and find more favorable terms. If you think a home equity loan could be advantageous for your personal financial situation then start exploring your options.
How to get a home equity loan with bad credit
Here are five ways to improve your chances of getting a home equity loan with bad credit.
Review credit reports for errors
Your credit score might be lower than it should be based on errors on your credit report. A Federal Trade Commission (FTC) study found that around 5% of people have had a more than 25-point credit score change by correcting credit report errors, so it makes sense to check and dispute errors, which you can do for free. The FTC advises consumers to check their credit reports for free from each of the three big credit bureaus once every 12 months via AnnualCreditReport.com.
Perhaps you paid off a balance that is still showing as unpaid on your credit report. Or maybe you never opened an account that’s showing up on your credit report, which could be a sign of identity theft that you’d want to correct before it causes more damage.
Make sure you have enough equity
If you’re trying to take out a home equity loan that, when combined with your mortgage balance, leaves you with very little equity in your home, that could make interest rates higher. And if you’re struggling with your credit score, that makes it even harder to get good terms.
So, talk to lenders about how different combined loan-to-value (CLTV) ratios affect interest rates. Many lenders will go to around 85% CLTV, but perhaps if you took out a home equity loan at a lower ratio, you’d get better terms. Or maybe you’re trying to qualify at a 90% CLTV, but the lender would only do that for a borrower with a higher credit score.
In that case, you might wait to take out a home equity loan until, say, real estate conditions potentially improve to the point where your home’s value gives you more equity.
In addition to addressing issues like credit report errors and fraud, you can also improve your credit score by stopping activities that have a damaging effect.
For example, having a high credit utilization ratio, such as from maxing out your credit cards each month, can hurt your credit score.A rule of thumb is to keep your credit utilization ratio below 30%, but ideally, you want to be in the range of 1-9%, says Experian.
So, if your credit limit for a credit card is $10,000, you might limit your spending on that card to $100-900 per statement and pay that off each month. Keep in mind that your credit utilization applies to specific accounts as well as your overall borrowing.
With time, better habits can improve your credit score.
Lower your debt-to-income ratio
Another way to improve your chances to qualify for a home equity loan with bad credit, especially without paying ultra-high interest rates, is to lower your debt-to-income (DTI) ratio.
For this area, the rule of thumb is that you want your debts to add up to a maximum of 43% of your income. But perhaps getting significantly lower than that limit would make a lender more willing to work with you even if you have bad credit.
How can you lower your DTI ratio?
Suppose your household has two cars, each with a car loan. Yet maybe you and your spouse both work from home and you don’t necessarily need two cars anymore. In that case, maybe you could sell your car and eliminate that debt, thereby lowering your debt-to-income ratio.
Shop around
Lastly, if you have bad credit, don’t assume that if one lender refuses you then all will. Different lenders have different requirements, so shop around and see who’s willing to work with you and what their terms are.
Even if you don’t qualify yet for a home equity loan, you can get a better sense of what you need to aim for by shopping around. Perhaps you can find a lender that has a minimum credit score requirement that you think you can reach in a few months, and having that benchmark could be the motivation you need to get there. You can shop around for home equity loan lenders here.
The bottom line
Overall, having bad credit can make it more challenging to get a home equity loan, but it’s not impossible. You might need some patience to find a lender and/or improve your credit score, but you probably don’t want to rush into this decision anyway.
If you made hasty borrowing decisions in the past that dropped your credit score, for example, then you probably wouldn’t want to make that mistake again, especially because you’d be putting your home at risk of foreclosure if you don’t pay back the loan.
But if you’re confident that you’re on solid financial footing and can manage a home equity loan, then it can make sense to search for a lender that will work with your credit situation.
]]>https://cbomo.com/how-to-get-home-equity-loan-with-bad-credit/feed/08 Deposit-Raising Tactics Banks & Credit Unions Should Use Now
https://cbomo.com/8-deposit-raising-tactics-banks-credit-unions-should-use-now/
https://cbomo.com/8-deposit-raising-tactics-banks-credit-unions-should-use-now/#respondWed, 15 Mar 2023 17:01:14 +0000https://cbomo.com/8-deposit-raising-tactics-banks-credit-unions-should-use-now/ [ad_1]
8 Deposit-Raising Tactics Banks & Credit Unions Should Use Now
]]>https://cbomo.com/8-deposit-raising-tactics-banks-credit-unions-should-use-now/feed/0Silicon Valley Bank staff offered 45 days of work at 1.5 times salary by FDIC
https://cbomo.com/silicon-valley-bank-staff-offered-45-days-of-work-at-1-5-times-salary-by-fdic/
https://cbomo.com/silicon-valley-bank-staff-offered-45-days-of-work-at-1-5-times-salary-by-fdic/#respondSat, 11 Mar 2023 17:16:40 +0000https://cbomo.com/silicon-valley-bank-staff-offered-45-days-of-work-at-1-5-times-salary-by-fdic/ [ad_1]
Staff of Silicon Valley Bank were offered 45 days of employment at 1.5 times their salary by the Federal Deposit Insurance Corp, the regulator that took control of the collapsed lender on Friday, Reuters reported Saturday.
Workers will be enrolled and given information about benefits over the weekend by the FDIC, and healthcare details will be provided by the former parent company SVB Financial Group SIVB, -60.41%,
the FDIC wrote in an email late Friday entitled “Employee Retention.” SVB had a workforce of 8,528 at the end of last year.
Staff were told to continue working remotely, except for essential workers and branch employees.
The FDIC did not immediately respond to a request for comment.
Silicon Valley Bank was closed by the California Department of Financial Protection and Innovation, and the Federal Deposit Insurance Corporation (FDIC) was appointed receiver, becoming the first FDIC-backed institution to fail this year. SVB ranked as the 16th biggest bank in the U.S. at the end of last year, with about $209 billion in assets and $175.4 billion in deposits.
The lender’s main office in Santa Clara, California and all of its 17 branches in California and Massachusetts will reopen on Monday, the FDIC said in a statement Friday.
