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☆ Here are Friday's biggest analyst calls: Nvidia, Apple, Home Depot, Domino's, Wingstop, Warby Parker, Rivian, Bank of America & more
▼ + stars: | 2024-11-08 | by ( Michael Bloom | ) www.cnbc.com time to read: +8 min

Jefferies reiterates Nvidia and Marvell as buy The firm says the two chipmakers still have the most upside. Citi upgrades Bank of America to buy from neutral Citi says the bank could be a beneficiary of lighter regulation. Bank of America downgrades Rivian to neutral from buy Bank of America said it sees regulatory risk under a Trump administration. Bank of America upgrades Teledyne Technologies to buy from neutral The firm says it sees upside ahead for the industrial conglomerate. Goldman Sachs upgrades Wingstop to buy from neutral The firm says the wings restaurant has "best-in-class" growth.

Persons: William Blair, Warby Parker, Bernstein, Apple, Lowe's, Jefferies, Goldman Sachs, Sweetgreen, Goldman, outperformance, it's bullish, BNTX, Oppenheimer, Piper Sandler, Wells, Airbnb, Gross, Trump, TDY Organizations: Apple, Apple Intelligence, Nvidia, Marvell, Enterprise, JPMorgan, China EV, Catalyst, Holdings, Barclays downgrades, Body, Citi, U.S, Deutsche Bank, UBS, Molson Coors, OW, Bank of America, Trump Administration, " Bank of America, Teledyne Technologies Locations: AVGO, 4Q24, DPZ, UW

☆ Workers are paying to get part of their paychecks early. It's 'payday lending on steroids,' one expert says
▼ + stars: | 2024-01-28 | by ( Greg Iacurci | ) www.cnbc.com time to read: +12 min

Fotostorm | E+ | Getty ImagesMillions of American workers are paying for early access to their paychecks. So-called "earned wage access" programs, which operate either directly to the consumer or through employers, let workers tap a portion of their wages before payday, often for a fee. Earned wage access has gotten more popularEarned wage access goes by various names: daily pay, instant pay, accrued wage access, same-day pay and on-demand pay, for example. "It's another version of payday loans," Monica Burks, policy counsel at the Center for Responsible Lending, a consumer advocacy group, said of earned wage access. However, a recent study by the U.S. Government Accountability Office found that earned wage access products "generally cost less than typical costs associated with payday loans."

Persons: it's, Marshall Lux, Lux, hasn't, Cherie Chung, EarnIn, MoneyLion, Monica Burks, —, Thad Peterson, There's, EWA, Peterson, Harvard's, we're, Stacy Greiner, Dave, Ben LaRocco, Miranda Margowsky, Margowsky, Atif Siddiqi, Siddiqi, Safwan Shah, Shah, doesn't, Harvard's Chung Organizations: Harvard University, Finance, Harvard Kennedy School, Lux, Harvard, Hilton, Uber, Walmart, Companies, Center for, California Department of Financial Protection, Center for Responsible, U.S, Government, Office, GAO, Datos, Commerce, Economic, Financial Technology Association Locations: Kroger, McDonald's, California, Vermont

☆ From TikTok to partnerships, the best ways fintechs can attract quality customers amid a downturn, according to experts
▼ + stars: | 2023-05-01 | by ( Paige Hagy | ) www.businessinsider.com time to read: +4 min

Balancing customer acquisition cost and customer lifetime value is difficult. Despite the market downturn, experts say startups need to be more savvy about going after new users. Fintechs need to take a quality over quantity approach when it comes to attracting new customers in a tightening market. One solution is to target customers who will offer greater lifetime value, Ron Shevlin, chief research officer at Cornerstone Advisors, said at the conference. Lifetime value is the amount of revenue a business will generate from a single customer.

☆ Despite a tightening market, fintechs need to be more savvy and selective in how they attract new customers, experts say
▼ + stars: | 2023-04-27 | by ( Paige Hagy | ) www.businessinsider.com time to read: +4 min

Balancing customer acquisition cost and customer lifetime value is difficult. Despite the market downturn, experts say startups need to be more savvy about going after new users. Fintechs need to take a quality over quantity approach when it comes to attracting new customers in a tightening market. But despite the difficult market, experts say fintechs shouldn't simply be looking to grow their market share by any means necessary. Lifetime value is the amount of revenue a business will generate from a single customer.

If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Citi stands out as a personal loan lender because it doesn't charge origination fees, early payoff fees or late fees. Eligible borrowers Must be at least 18 years old Loan amounts $2,000 to $30,000 Loan terms Up to 60 months [ Return to account summary ] See if you're pre-approved for a personal loan offer. Bottom lineWhen you need money in a pinch, many personal loan lenders can get you funded as soon as the same business day. Every personal loan review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of loan products.

Persons: Avant, you've, OneMain Financial's, Prosper, There's, it's, Prosper Prosper, It's Organizations: AutoPay, autopay, OneMain, North, Citi, OneMain Financial, Citi Bank Citi, CNBC, CNBC Select's, Facebook, Twitter Locations: U.S, Alabama, California, Georgia, North Dakota, Ohio, Virginia, Carolina, Maine, Mississippi, West Virginia, Maine , Mississippi, North Carolina, autopay

If your credit score isn't great, you can still get approved as Avant looks at both your credit score and income. When determining eligibility for a loan, LendingPoint considers credit score, loan term, credit usage, loan amount and other factors. Personal loans are a form of installment credit, which affect both your credit report and your credit score. Student loans, personal loans and credit cards are all examples of unsecured loans. Our methodologyTo determine which personal loans are best for bad credit, CNBC Select analyzed dozens of U.S. personal loans offered by both online and brick-and-mortar banks, including large credit unions.

Persons: Will, it's, you'll, You'll, OneMain Financial's, LendingPoint, prequalify Organizations: CNBC, OneMain, AK, AR, DC, Social, CNBC Select's, Facebook, Twitter Locations: Alabama, California, Georgia, Ohio, Virginia, Carolina, Nevada, West Virginia

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