This article is reprinted by permission from NextAvenue.org. It is excerpted from "No Thanks Mom: The Top Ten Objects Your Kids Do NOT Want (and what to do with them)."
Your house, and what it contains, is a minefield in the eyes of your grown children. They can see from your example that collections of stuff are a curse; such objects are superfluous to a life well lived. They want a clean, clear field in which to live their lives. Your grown children will not agree to be the recipients of your downsizing if it means their upsizing.
Top 5 Warren Buffett Stocks To Invest In 2021: CITIZENS FINANCIAL SERVICES INC(CZFS)
Citizens Financial Services, Inc. operates as the holding company for First Citizens Community Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts various deposit products, such as checking, savings, and time deposit accounts. Its loan products include residential, commercial, and agricultural real estate loans; commercial and industrial loans; state and political subdivision loans; and consumer loans, as well as various other specialized financial services. The company also provides professional trust administration, investment management services, estate planning and administration, custody of securities, and individual retirement accounts. In addition, it offers brokerage and financial planning services, as well as offers assistance in various oil and gas leasing matters; and mutual funds, annuities, and health and life insurance products. As of December 31, 2020, the company operates thirty full-service banking branches in Potter, Tioga, Bradford, Clinton, Lebanon, Lancaster, Berks, Schuylkill, Centre, and Chester counties, Pennsylvania; Allegany County, New York; and Wilmington and Dover, Delaware, as well as a limited branch office in Union county, Pennsylvania. Citizens Financial Services, Inc. was incorporated in 1984 and is headquartered in Mansfield, Pennsylvania.
Advisors' Opinion:- [By Joseph Griffin]
COPYRIGHT VIOLATION NOTICE: “Insider Buying: Citizens Financial Services Inc (CZFS) Director Buys 241 Shares of Stock” was published by Ticker Report and is the property of of Ticker Report. If you are accessing this story on another website, it was illegally stolen and republished in violation of US & international copyright and trademark law. The correct version of this story can be read at https://www.tickerreport.com/banking-finance/4169531/insider-buying-citizens-financial-services-inc-czfs-director-buys-241-shares-of-stock.html.
Top 5 Warren Buffett Stocks To Invest In 2021: Entegra Financial Corp.(ENFC)
Entegra Financial Corp., incorporated on May 31, 2011, is the holding company of Macon Bank, Inc. (Bank). The Bank is a North Carolina chartered savings bank and its business consists primarily of accepting deposits from individuals and small businesses and investing those deposits, together with funds generated from operations and borrowings, primarily in loans secured by real estate, including commercial real estate loans, one- to four-family residential loans, construction loans, and home equity loans and lines of credit. The Bank also originates commercial business loans and invests in investment securities. Through its mortgage loan production operations the Bank originates loans for sale in the secondary markets to Fannie Mae and others. It also offers a variety of deposit accounts, including savings accounts, certificates of deposit, money market accounts, commercial and regular checking accounts, and individual retirement accounts.
The Company has one non-bank subsidiary, Macon Capital Trust I, a Delaware statutory trust, formed to facilitate the issuance of trust preferred securities. The Bank has a wholly owned subsidiary, Macon Services, Inc., which owns a real estate investment property.
Lending Activities
The Company's primary lending activities are the origination of one- to four-family residential mortgage loans, commercial real estate loans, commercial business loans and home equity loans and lines of credit. Its largest category of loans is one- to four-family residential mortgage loans followed by commercial real estate, and home equity loans and lines of credit.
At December 31, 2014, $227.2 million or 41.8% of the Company's total loan portfolio consisted of one- to four-family residential mortgage loans. The Company offers fixed-rate and adjustable-rate residential mortgage loans with maturities generally up to 30 years.
At December 31, 2014, $179.4 million or 33% of the Company's loan portfolio consisted of commercial! real estate loans. Properties securing the Company's commercial real estate loans primarily comprise business owner-occupied properties, small office buildings and office suites, and income-producing real estate.
At December 31, 2014, $56.6 million or 10.4% of the Company's loan portfolio consisted of home equity loans and lines of credit. In addition to traditional one- to four-family residential mortgage loans, it offers home equity loans and lines of credit that are secured by the borrower's primary or secondary residence. Its home equity loans and lines of credit are originated with fixed or adjustable rates of interest.
At December 31, 2014, $19.1 million or 3.5% of the Company's loan portfolio consisted of commercial loans. It makes various types of secured and unsecured commercial loans to customers in its market areas in order to provide customers with working capital and for other general business purposes.
At December 31, 2014, the Company's portfolio included $7.8 million of one- to four-family residential construction loans or 1.4% of the Company's loan portfolio. Other construction and land loans consisted of $50.3 million or 9.3% of the Company's loan portfolio. Consumer loans totaled $3.2 million or 0.6% of the Company's loan portfolio, and included automobile and other consumer loans. It makes construction loans to owner-occupiers of residential properties and to businesses for commercial properties.
Investment Activities
The Company invests in direct the United States Government obligations and securities, the United States Government agencies, municipal securities, mortgage-backed securities and collateralized mortgage obligations, corporate issues, certain commercial paper, agency structured notes, trust preferred securities, subordinated debt and bank owned life insurance. Total securities available-for-sale amounted to $ 219.9 million and held-to-maturity investment securities totaled to $29.3 million, for the year-en! d 2014.
Sources of Funds
Deposits are the Company's primary source of funds for its investment and lending activities. The Company's primary outside borrowing source is the Federal Home Loan Bank of Atlanta (FHLB). Its additional sources of funds are scheduled loan payments, maturing investments, loan repayments, security repurchase agreements, retained earnings, income on other earning assets and the proceeds of loan sales. The Company offers deposit accounts with a range of interest rates and terms. Its deposit accounts consist of savings accounts, certificates of deposit, regular checking accounts, money market accounts and individual retirement accounts. The Company's borrowings consist of advances from the FHLB. At December 31, 2014, FHLB advances totaled $60 million.
Advisors' Opinion:- [By Logan Wallace]
ValuEngine lowered shares of Entegra Financial (NASDAQ:ENFC) from a hold rating to a sell rating in a report published on Tuesday.
Other equities analysts have also issued research reports about the stock. FIG Partners lowered shares of Entegra Financial to a market-perform rating in a report on Monday, July 23rd. Zacks Investment Research lowered shares of Entegra Financial from a buy rating to a hold rating in a report on Wednesday, September 19th. TheStreet lowered shares of Entegra Financial from a b- rating to a c+ rating in a report on Friday, August 24th. Finally, Compass Point raised shares of Entegra Financial from a neutral rating to a buy rating and set a $27.00 target price on the stock in a research note on Thursday, June 28th. One equities research analyst has rated the stock with a sell rating, one has assigned a hold rating and three have issued a buy rating to the stock. The stock currently has an average rating of Hold and an average price target of $31.25.
- [By Joseph Griffin]
Headlines about Entegra Financial (NASDAQ:ENFC) have been trending somewhat positive this week, Accern Sentiment Analysis reports. The research group identifies positive and negative press coverage by analyzing more than 20 million blog and news sources. Accern ranks coverage of publicly-traded companies on a scale of -1 to 1, with scores closest to one being the most favorable. Entegra Financial earned a news impact score of 0.17 on Accern’s scale. Accern also gave media headlines about the bank an impact score of 45.1446364627822 out of 100, meaning that recent press coverage is somewhat unlikely to have an impact on the stock’s share price in the immediate future.
Top 5 Warren Buffett Stocks To Invest In 2021: GRAVITY Co. Ltd.(GRVY)
Gravity Co., Ltd. engages in the development and publishing of online games in Japan, Taiwan, Brazil, the Philippines, Indonesia, Singapore, Malaysia, Thailand, and the Russian Federation. It offers massively multiplayer online role playing games, casual online games, social network games, mobile games, and animation and character-based merchandise, as well as multiplatform and Internet protocol television games. The company?s principal product includes Ragnarok Online, an action adventure-based multiplayer online role playing game that combines cartoon-like characters, community-oriented themes, and combat features enabling various players to interact with one another. Its other multiplayer online role playing games comprise R.O.S.E. Online, Requiem, and Emil Chronicle Online. The company also licenses the merchandizing rights of character-related products based on its online games. In addition, it provides the animation series of Ragnarok Online in DVD and video on dema nd formats, as well as broadcasts these series on televisions. Further, the company, along with its licensees, markets dolls, stationery, and other character-based merchandise, as well as game manuals, monthly magazines, and other publications. Additionally, it offers Pororo Game, an Internet protocol television game. The company was founded in 2000 and is based in Seoul, Korea. As of December 31, 2010, Gravity Co., Ltd. operates as a subsidiary of GungHo Online Entertainment, Inc.
Advisors' Opinion:- [By Joseph Griffin]
BidaskClub upgraded shares of Gravity (NASDAQ:GRVY) from a strong sell rating to a sell rating in a research note issued to investors on Tuesday morning.
- [By Max Byerly]
ILLEGAL ACTIVITY WARNING: “Gravity (GRVY) Receives Coverage Optimism Score of 0.17” was first published by Ticker Report and is the sole property of of Ticker Report. If you are viewing this story on another publication, it was copied illegally and reposted in violation of U.S. & international trademark and copyright laws. The legal version of this story can be viewed at https://www.tickerreport.com/banking-finance/3382037/gravity-grvy-receives-coverage-optimism-score-of-0-17.html.
- [By Cooper Creagan]
For example, if you had taken five minutes to set up a Night Trade on Gravity Co. (Nasdaq: GRVY) in October, you could've tripled your money, and then some.
Top 5 Warren Buffett Stocks To Invest In 2021: Visteon Corporation(VC)
Visteon Corporation supplies automotive systems, modules, and components to automotive original equipment manufacturers worldwide. The company offers a range of electronics products, including audio/infotainment systems and components, such as base radio/CD head units, infotainment head units, audiophile systems and amplifiers, rear seat family entertainment systems, digital and satellite radios, HD and DAB broadcast tuners, MACH voice link technology, and connectivity solutions for portable devices; driver information systems comprising instrument clusters and displays to assist driving; and powertrain and feature control modules, including controllers for fuel pumps, transfer cases, tuning valves, and security and voltage regulation systems. It also provides electronic climate controls, such as single zone manual electronic and automatic multiple zone modules, as well as integrated audio and climate control assemblies; and lighting products consisting of headlamps, stop lamps, and fog lamps. In addition, the company offers integrated heating, ventilation, and air conditioning systems, which include evaporators, condensers, heater cores, climate controls, compressors, air handling cases, and fluid transport systems; and components and modules that provide cooling and thermal management for the vehicle?s engine and transmission, as well as for batteries and power electronics on hybrid and electric vehicles. Further, it provides interior products, including cockpit modules, which incorporate structural, electronic, climate control, mechanical, and safety components; door panels/modules and interior trim products; and console modules, which deliver storage options. The company was founded in 2000 and is headquartered in Van Buren Township, Michigan.
Advisors' Opinion:- [By Ethan Ryder]
Visteon Corp (NYSE:VC) – B. Riley cut their Q2 2019 earnings per share (EPS) estimates for Visteon in a report issued on Friday, February 22nd. B. Riley analyst C. Horn now forecasts that the auto parts company will post earnings of $1.20 per share for the quarter, down from their prior estimate of $1.35. B. Riley also issued estimates for Visteon’s Q1 2020 earnings at $1.65 EPS, Q2 2020 earnings at $1.55 EPS, Q3 2020 earnings at $1.37 EPS, Q4 2020 earnings at $1.89 EPS and FY2020 earnings at $6.46 EPS.
- [By Shane Hupp]
Visteon Corp (NYSE:VC) – Equities research analysts at B. Riley increased their FY2019 earnings per share estimates for shares of Visteon in a report issued on Tuesday, October 2nd. B. Riley analyst C. Horn now expects that the auto parts company will earn $6.83 per share for the year, up from their previous estimate of $6.00.
Top 5 Warren Buffett Stocks To Invest In 2021: Spirit Airlines Inc.(SAVE)
Spirit Airlines, Inc. provides passenger airline services. It provides travel opportunities principally to and from south Florida, the northeast United States, the Caribbean, and Latin America. The company also offers optional travel-related products or services. As of December 31, 2011, it had a fleet of 37 Airbus single-aisle aircrafts. The company was formerly known as Charter One and changed its name to Spirit Airlines, Inc. in 1992. Spirit Airlines, Inc. was founded in 1964 and is headquartered in Miramar, Florida.
Advisors' Opinion:- [By Lou Whiteman (TMFeldoubleu)]
The so-called "reopening trade" took flight on Tuesday, with headlines suggesting the latest pandemic surge had peaked in a number of key states and that optimism continues about the vaccine rollout. Booking Holdings (NASDAQ:BKNG) shares rallied 6% higher, and among airline stocks shares of American Airlines Group (NASDAQ:AAL), Southwest Airlines (NYSE:LUV), United Airlines Holdings (NASDAQ:UAL), and Spirit Airlines (NYSE:SAVE) each climbed 5%.
- [By Adam Levine-Weinberg]
In late 2016, I wrote that shares of Spirit Airlines (NYSE:SAVE) could reach $100 by 2020. Since then, there's been a lot of movement -- both up and down -- for Spirit Airlines stock, but the share price is almost exactly back where it started.
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