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SEO National Welcomes Leafy Legal Asset Protection Company as Newest Client

SEO National, a leader in innovative search engine optimization, is pleased to welcome its newest client, Leafy Legal, an up-and-coming company in the asset protection space for real estate investors and entrepreneurs. While some digital marketing firms steer companies toward expensive paid advertising campaigns, SEO National focuses on affordable and sustainable growth through strategic search… Read more »

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Industry: SEO

Utah-based firm to perform search engine optimization for growing company that helps real estate investors and entrepreneurs secure their financial futures.

Salt Lake City (PRUnderground) August 24th, 2020

SEO National, a leader in innovative search engine optimization, is pleased to welcome its newest client, Leafy Legal, an up-and-coming company in the asset protection space for real estate investors and entrepreneurs.

While some digital marketing firms steer companies toward expensive paid advertising campaigns, SEO National focuses on affordable and sustainable growth through strategic search engine optimization. They create beautiful websites, help clients generate engaging content, and optimize sites to maximize search engine algorithm opportunities.

SEO National President Damon Burton said that he is excited to help Leafy Legal showcase their unique services through these strategies. “We are all about companies that simplify and improve people’s lives by filling a need in the marketplace, and that’s what Leafy Legal does,” said Burton. “They have something special to offer, and we’re excited to help get their message and mission in front of more people.”

In an increasingly litigious society, Leafy Legal focuses on helping entrepreneurs — with a special emphasis on real estate investors — protect their assets. According to data from the National Survey of the Court, nearly 95 percent of real estate investors will be sued in the next 20 years. And while many of these investors seek to craft their own solutions to shield their finances and estates, they often end up with complex and ineffective solutions.

Leafy Legal brings tried-and-true solutions to investors, allowing them to access the most current and foolproof protections available without the pain and hassle of creating these structures on their own.

“There is a huge need in the marketplace for a company that connects investors with these solutions,” said Burton. “Leafy Legal applies many years of expertise to get investors in a secure place so that they can focus on business growth rather than worrying about legal risks.”

Like Leafy Legal, SEO National was created to fill a unique market niche. When Burton started his company 13 years ago, he saw companies bleeding money into pricey digital advertising campaigns that missed the target market and delivered weak returns on investment. He believed that high quality search engine optimization presented a more cost-effective path toward top search engine rankings, and “walked the walk” himself. He quickly built a 7-figure enterprise without spending any money on paid ads and relying primarily on search engine optimization. Today, his company is 100% inbound and referral driven.

Leafy Legal will join a distinguished portfolio of SEO National clients, to include top 1% attorneys, NBA sports team retail divisions, and Inc. 5000 companies. To learn more about SEO National and how they help companies like Leafy Legal expand their online presence without expensive ad campaigns, call 1-855-SEO-NATL (1-855-736-6285) or go to www.SEOnational.com.

About SEO National

SEO National is a search engine optimization company north of Salt Lake City, Utah. This SEO company offers affordable, effective search engine optimization with a refreshingly personal approach to communicating with their online marketing customers.

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Source: https://www.prunderground.com/seo-national-welcomes-leafy-legal-asset-protection-company-as-newest-client/00201089/

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New E-Book Aims to Eradicate Most Student Loan Debt While Fighting Hunger Too

CLIFTON, N.J., Oct. 31, 2020 /PRNewswire/ — The Student Debt Manifesto: How to pay off student loans faster and gain financial freedom, is a new motivational and personal success e-book by up-and-coming LATINA owned publishing company, Green Manifesto Books LLC, that could help with the…

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CLIFTON, N.J., Oct. 31, 2020 /PRNewswire/ — The Student Debt Manifesto: How to pay off student loans faster and gain financial freedom, is a new motivational and personal success e-book by up-and-coming LATINA owned publishing company, Green Manifesto Books LLC, that could help with the current student debt crisis.

Surviving the student debt crisis by escaping bad money habits and quickly learning the financial strategies to student debt and financial freedom is what the new e-book which has a 4.5 star rating at Amazon, “The Student Debt Manifesto: How to pay off student loans faster and gain financial freedom” published by LATINA owned company, Green Manifesto Books LLC aims to convey to the millions of people drowning in student debt.

Eric Shoars, from Amazon reviews said, This book is short, sweet, to the point, and filled with practical gems of information to help those struggling with student debt get it paid off faster.

“The Student Debt Manifesto” e-book teaches the key money moves that people dealing with student loan debt can apply immediately in their lives. It provides tools, tips, and tricks for paying off student loans faster, managing student debt with other debt with real life examples tailored to the readers’ financial circumstances, how to plan for retirement, and how to invest and save money. This e-book is for the do it yourself go-getters that do not wait for bailouts; for the ones that get things done. Green Manifesto Books is dedicated to donating 15% of the profits to the Feeding America organization because its focus is to help people secure financial freedom while also giving back at the same time.

The Student Debt Manifesto e-book can be purchased through Green Manifesto Books’ website at https://greenmanifestobooks.com/the-student-debt-manifesto. It is also available at Apple, Barnes and Noble and Amazon. You can follow Green Manifesto Books via Instagram @greenmanifestobooks and Twitter @BooksManifesto.

Whitney Hughes, author of “The Student Debt Manifesto: How To Pay Off Student Loans Faster And Gain Financial Freedom”, is a Business Analyst and self-taught programmer. She lives in Clifton, NJ.

Media Contact: Green Manifesto Books LLC, ATTN: Whitney Hughes

Email: [email protected]

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The Student Debt Manifesto: How To Pay Off Student Loans And Gain Financial Freedom.

SOURCE Green Manifesto Books LLC

Source: https://www.prnewswire.com:443/news-releases/new-e-book-aims-to-eradicate-most-student-loan-debt-while-fighting-hunger-too-301164314.html

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Community First Bancorporation Announces Third Quarter 2020 Financial Results

Total Consolidated Earnings Third Quarter 2020

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Community First Bancorporation, Inc. (OTC: CFOK), parent company for Community First Bank, Inc. (the “Bank”) and SeaTrust Mortgage Company (“STM”), announced its financial results for the third quarter of 2020. Highlights of the results include:

·         Total consolidated earnings were $842,000 for the third quarter and $1,307,000 for the nine-month period ended September 30, 2020.

·         Net interest income grew by 11.3% year over year for the nine months of 2020.

·         Non-interest income included results for STM and increased 140% over the level reported in the first nine months of 2019.

·         Total assets as of September 30, 2020 were $518,462,000, an increase of $23,953,000 or 4.8% compared to total assets of $494,509,000 as of June 30, 2020, and an increase of 23.9% compared to total assets of $418,564,000 as of December 31, 2019.

·         As of September 30, 2020, total gross loans held for investment were $395,092,000, an increase of 22.7% compared to total gross loans held for investment of $322,012,000 at December 31, 2019. Loans held for investment included $19,035,000 of loans made under the Small Business Administration (“SBA”) Paycheck Protection Program (“PPP”).

·         Loans held for sale increased 214.8% to $18,102,000 compared to $5,750,000 as of June 30, 2020.

·         Total deposits as of September 30, 2020 were $423,668,000 compared to $353,246,000 as of December 31, 2019, an increase of $70,422,000 or 19.9% over December 31, 2019 totals.

Total consolidated earnings of $842,000 were recorded for the third quarter of 2020 compared to $110,000 for the second quarter of 2020 and $443,000 for the third quarter of 2019. Earnings per common share for the third quarter totaled $0.15 compared to $0.01 for the second quarter of 2020 and $0.07 for the third quarter of 2019. Activity in both STM’s mortgage business and the Bank’s SBA portfolio generated significant increases in non-interest income in the third quarter. Low interest rates and technology paired with our outstanding team have enabled us to capitalize on opportunities available to our mortgage subsidiary. Despite the impact of the COVID-19 pandemic generally and upon our new branch locations in particular, our team still managed to grow deposits by 2.1% during the quarter.

Net interest income grew by 11.3% year over year for the first nine months of 2020, driven primarily by solid loan growth experienced over the period. Net loans held for investment grew $72,232,000 or 22.7% over the nine months ended September 30, 2020. The growth included over $19 million of PPP loans made by the Bank in the communities we serve to over 400 small business customers impacted by the pandemic. However, yields on loans made under the PPP program negatively impacted overall yields on loans during the second and third quarters. In addition, the Company deferred recognition of a portion of the net fee income receivable from the SBA on our PPP loans until those loans are forgiven or repaid. Net loan fees on PPP loans totaled approximately $750,000 at origination. These net fees are being amortized over the life of the loans. Overall loan yields for the first nine months of 2020 were 4.92% compared to 5.26% in the first nine months of 2019. Declines in market interest rates resulting from the pandemic also negatively impacted overall earning asset yields by approximately 34 basis points for the first nine months of 2020 compared to the first nine of 2019. Cost of funds did not decrease by the same magnitude, thereby decreasing our net interest margin by 25 basis points in the first nine months of 2020 compared to the first nine months of 2019.

Non-interest income for the third quarter of 2020 totaled $2,338,000 compared to $1,085,000 for the second quarter of 2020 and $652,000 for the third quarter of 2019. The increase was primarily due to loans originated and sold by STM, which began these activities late in the first quarter of 2020. An additional positive factor in the third quarter was an increase in gains on sales of SBA loans in 2020 compared to 2019. Through the first nine months of 2020 SBA loan sales generated almost $200,000 of additional non-interest income in comparison to 2019.

Non-interest expense increased to $13,567,000 for the nine-month period ended September 30, 2020 compared to $10,979,000 for the nine-month period ended September 30, 2019. Non-interest expenses were impacted in 2020 by several factors. The opening of our Dallas, North Carolina branch in the first quarter of 2020, the opening of a second North Carolina branch in Charlotte in the second quarter and expenditures related to the pandemic all resulted in increased non-interest expense. STM increased both its loan origination and processing capabilities throughout 2020. STM began originating loans in the first quarter with locations in Wilmington, North Carolina, and Seneca, South Carolina. STM has since added production personnel in the Greensboro, Jacksonville and Charlotte, North Carolina areas and additional operations personnel in its corporate office in Wilmington, NC, and originators in Georgia and Florida. To date STM has originated over $77,916,000 in single family mortgage loans, primarily in North and South Carolina.

President and CEO Richard D. Burleson commented: “2020 has been a remarkable year in many ways for Community First Bancorporation. While some of the most challenging times in recent history of our great nation have challenged us all, at Community First the global pandemic has not only forced us to forge new ways of providing services to our customers and communities, but has also presented us with unprecedented opportunities. We are pleased with the results STM has been able to achieve in its first year, and are excited to see what the future holds, especially considering that STM originated its first loan one month before the pandemic began. In addition, our previously announced merger with Security Federal Bancorp, Inc. of Elizabethton, Tennessee will offer us new markets and experienced personnel in both Eastern Tennessee and in mortgage loan servicing.”

Mr. Burleson continued, “On October 20, 2020 the North Carolina Commissioner of Banking approved our first loan production office (“LPO”) in Western North Carolina to be located at 37 Church Street, Waynesville, NC 28780. We believe that this LPO will allow our Bank to capitalize on the disruption in that market arising from several recent mergers and we expect to build out our franchise in Western North Carolina with the initial use of LPOs that will be converted to branches once we have obtained enough loans to profitably open full-service financial centers. These LPOs and future branches will complete the bridge from the upstate of South Carolina into our new markets in Eastern Tennessee.”

Mr. Burleson continued, “The impact of the pandemic on our customer base has been fairly moderate to date. In order to assist our customers in dealing with the pandemic’s impact on them, the Bank granted deferrals of all or a portion of payments on 139 loans with total outstanding balances of approximately $64 million. The majority of loans granted deferrals were with customers in the hardest-hit industries such as retail, hotels and restaurants.”

For additional information, please see our website at https://www.c1stbank.com/About-Us/Newsroom

Media Contact Information

Alisa Suddeth
asuddeth@c1stbank.com
(O) 864-886-7184

Source: Community First Bancorporation

Source: https://www.newswire.com/news/community-first-bancorporation-announces-third-quarter-2020-financial-21247064

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Proposition 24 Would Help Protect Californians From Online Hackers

SACRAMENTO, Calif., Oct. 31, 2020 /PRNewswire/ — Today, the Yes on Prop 24 campaign announced that Prop 24 would give Californians the fundamental right to have their personal information kept safe. Specifically, Prop 24 requires businesses that collect personal information to keep that…

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SACRAMENTO, Calif., Oct. 31, 2020 /PRNewswire/ — Today, the Yes on Prop 24 campaign announced that Prop 24 would give Californians the fundamental right to have their personal information kept safe. Specifically, Prop 24 requires businesses that collect personal information to keep that information secure from theft. Prop 24 is endorsed by Consumer Reports, Consumer Watchdog and Common Sense Media.

“Some of the biggest tech companies have refused to honor Californians’ requests to stop the disclosure of their information for behavioral advertising, and they’re lobbying for exemptions for these practices in other states,” said Maureen Mahoney, policy analyst at Consumer Reports. “California consumers should use their power as citizens to vote for Proposition 24 to show that they will stand up for themselves if companies and legislators won’t.”

“As co-sponsors of the California Consumer Privacy Act, we are pleased to support Californians for Consumer Privacy on this measure, which will ensure Californians’ strong privacy rights are not weakened in the future,” said James P. Steyer, founder & CEO of Common Sense. “California was the first state to pass a comprehensive privacy law to protect consumers’ personal data. This year, the people of California have a chance to make us the first state with a Privacy Protection Agency to enforce those rights and hold Big Tech accountable.”

“Under Prop 24, a consumer can limit the use of their sensitive information to stop Uber from profiling them based on race, stop Spotify from utilizing their precise geo-location and prevent Facebook from using their sexual orientation, health status or religion in its algorithms,” said Carmen Balber, Consumer Watchdog’s executive director. “In addition, Californians won’t have to worry about the legislature repealing key privacy rights, will have stronger rights to personally enforce privacy laws and will have the protection of a well-staffed and funded European-style privacy commission to protect their rights.”

Proposition 24 would:

  1. Protect your most personal information, by allowing you to prevent businesses from using or sharing sensitive information about your health, finances, race, ethnicity, and precise location;
  2. Safeguard young people, TRIPLING FINES for violations involving children’s information;
  3. Put new limits on companies’ collection and use of our personal information;
  4. Establish an enforcement arm—the California Privacy Protection Agency—to defend these rights and hold companies accountable, and extend enforcement including IMPOSING PENALTIES FOR NEGLIGENCE resulting in theft of consumers’ emails and passwords;
  5. MAKE IT MUCH HARDER TO WEAKEN PRIVACY in California in the future, by preventing special interests and politicians from undermining Californians’ privacy rights, while allowing the Legislature to amend the law to further the primary goal of strengthening consumer privacy to better protect you and your children, such as opt-in for use of data, further protections for uniquely vulnerable minors, and greater power for individuals to hold violators accountable.

www.caprivacy.org 
@caprivacyorg

Paid for by Yes on 24, Californians for Consumer Privacy
Committee major funding from Alastair Mactaggart

SOURCE Californians for Consumer Privacy

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http://www.caprivacy.org

Source: https://www.prnewswire.com:443/news-releases/proposition-24-would-help-protect-californians-from-online-hackers-301164316.html

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