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By JEFF AMY, Associated Press ATLANTA (AP) – Democratic US Senator Raphael Warnock raised $ 7.2 million this spring. For his recall in the three months ended September 30, he opened the fire hose a little wider. Warnock raised more than $ 9 million in the quarter, leaving him $ …

How to win a bidding war Bidding wars have become more and more common, which can discourage potential buyers. Fortunately, there are many ways to make your offer stand out among sellers and help you win a bidding war. Get pre-approved for a mortgage Mortgage pre-approval is one of the …

OPINION: Last year’s post-containment economic rebound took many of us by surprise. Despite the dire economic forecasts, we did not experience the massive job losses and business failures that had been widely predicted. With our largest city currently in its seventh week of restrictions, many will wonder if we can …

INVESTORS add the highly turbulent SafeMoon cryptocurrency to their wishlists as Bitcoin and Ethereum continue to soar, approaching highs last reached in late spring. Because SafeMoon is a less established cryptocurrency, purchasing it requires additional steps. According to Nasdaq, the developer of SafeMoon recommends Trust Wallet as the most secure …

A smartphone displays a Klarna logo in this illustration taken on January 6, 2020. REUTERS / Dado Ruvic / Illustration / File Photo Oct. 18 (Reuters) – Swedish payments company Klarna said on Monday it had introduced a number of changes to its product in the UK, including the ability …

You may be like the thousands of homeowners who can’t resist these extremely low mortgage rates. And you fell in love with the idea of ​​shortening your term or lowering your monthly payments – potentially saving tens of thousands of dollars over time – by refinancing your loan. Yet enduring …

Izah Azahari The 11the The ASEAN Community Statistical System Committee (ACSS11) meeting session, focused on “Building Resilient Statistics for Recovery from COVID-19 and Beyond”, discussed the implementation and development of a statistical work plan and implementation of open data. In support of this year’s ASEAN theme, “We Care, We Prepare, …

Redwood Trust (NYSE: RWT) is one of the oldest real estate investment companies (REIT) focused on mortgages. However, although it has a long history in the Mortgage REIT, or mREIT, his investor day was devoted to his disruptive vision for the future. Here’s a closer look at five of the …

Britain’s best and worst mortgage lenders were revealed in a survey voted by their clients. General public site Which one? released the results of its annual survey of lenders, in which it asks mortgage holders to rate them on their customer service and value for money. It also takes into …

Atlanta mayoral candidates are talking about affordable housing, hoping to stave off a secession movement in a wealthy neighborhood and trading increasingly sharp blows. But like in so many places across the country, the election is really about the crime. The news is dominated by reports of violence, and poor …

The second damning report regarding COVID 19 for Montana in a week from the financial website Wallet Hub was released on Thursday. KGVO News spoke with Wallet Hub analyst Jill Gonzalez, who said Montana was the worst in the country for COVID-related hospitalizations. “Currently Montana has the third highest positive …

Amazon.com Inc. has appealed a record fine of 746 million euros ($ 865 million) for allegedly violating strict data protection rules in the European Union. The appeal was filed Friday before the Administrative Court of Luxembourg, according to Luxembourg court spokesman Henri Eippers. The challenge comes after the CNPD, Luxembourg’s …

The opinions and opinions expressed in this article are those of the author. Electronic money and cryptocurrencies, particularly Bitcoin, have returned to the fore. Bitcoin was recently legalized in Ukraine and introduced as legal tender in El Salvador. The question is whether cryptocurrencies are currencies or “money”? The question is …

By Frank Shostak * After closing at 0.53% in July 2020, the yield on the ten-year US Treasury bond rose relentlessly, closing on Tuesday, September 28, 2021 at 1.55%. It is increasingly likely that the 0.53% figure for July 2020 was the lowest point. How should we see this in …

Like a house, car, or other investment, your cryptocurrency can serve as collateral for crypto loans, which are loans that may have low interest rates, same-day funding, and no credit checks. The wrong side? If the value of your crypto drops, you may need to pledge more crypto. “This will …

Copyright 2021 PR Newswire. All rights reserved2021-10-14 LEVALLOIS-PERRET, France, October 14, 2021 / PRNewswire / – International player in consulting and technology, specialist in Data and Digital, Keyrus announces new objectives on the market through a renewed and inspiring vision resulting from 25 years of expertise in the exploitation of …

Weekly Fintech Focus House Financial Services Committee discusses the rights of consumers to access their personal financial data. The CFPB sues an online lender for misleading marketing. House Financial Services Committee discusses consumers’ rights to access personal financial data On September 21, 2021, the House Committee of Financial Services Task …

Breadcrumb Links MoneyWise Pro To borrow money Short-term loans to homeowners and builders can generate solid returns for investors Author of the article: ingehogenbijl / Shutterstock Content of the article If you are looking for an investment vehicle that generates strong short-term returns without the volatility of growth stocks, then …

This guide provides links to resources for district test coordinators. For more information, visit the Tests webpage. AASCD: Alternative assessment for students with significant cognitive impairment DEI: Data entry interface Trouble code: District test coordinator OELPA: Ohio English Proficiency Assessment OELPS: Ohio English Proficiency Checker OGT: Ohio Graduation Tests, for …

NEW YORK–(COMMERCIAL THREAD) – Kroll Bond Rating Agency (KBRA) announces preliminary ratings assigned to seven classes of BX 2021-XL2, a single-borrower CMBS securitization. The collateral for the transaction is a $ 2.19 billion non-recourse first mortgage. The variable rate loan has an initial term of two years with three options …

TThe idea of ​​getting rich in flashy ways is not new. After all, Charles Ponzi, for whom Ponzi schemes were named, defrauded investors over 100 years ago with a get-rich-quick scheme based on lies. Today, speculative investments, multilevel marketing companies, and other risky endeavors to generate profits are still enticing …

As borrowers on federal student loans brace for the current suspension of payments and interest until Jan.31, 2022, many are still awaiting a memo on Biden’s legal authority to extend the loan cancellation to millions of dollars. people through executive action. As early as April of this year, the Biden …

Many parents who have taken on student debt for their children regret the decision: Nearly one in three parents (30%) with federal PLUS parental loans say if they could start over, they would ask their children to rethink their education plans so that they don’t need to take out loans. …

The flight was cancelled. You have to stay at the hotel and pay for dinner and hurry to find a rental car. That’s a question asked by many frustrated Southwest Airlines customers, despite the cancellation of thousands of flights from weekend to Monday. Other than rebooking passengers and reimbursing canceled …

Manchester United hires first director of data science October 11, 2021 Manchester United Football Club has hired Dominic Jordan for the newly created role of Data Science Director, responsible for advancing the club’s use of data to help players and staff ‘succeed on the pitch’ . Jordan (pictured), who has …

The U.S. standards body, the NAIC, released its stress test results on U.S. insurers’ exposure to collateralized loan bonds (CLOs) at the end of 2020. The 2021 stress tests examined the resilience of CLOS in three different scenarios. The 2020 end-of-year stress test reflects the findings of the 2019 end-of-year …

While traditional bank branches are closing in rural towns, Credit Union is a financial institute that continues to work in the heart of local communities. With 137 branches across Northern Ireland, the Credit Union supports local businesses and everyday savers, and in this new TV series we meet ‘the borrowers’ …

ALBANY – Fearing employers could face higher costs as a result of last year’s unemployment benefit race, business advocates urge state leaders to tap into federal COVID-19 relief funds to strengthen the state unemployment insurance trust fund. Business groups such as the National Federation of Independent Businesses and Upstate United …

The PESO is expected to rise against the dollar due to expectations of large remittances. – NB FILE PHOTO The PESO could strengthen against the greenback this week amid expectations of bullish data on remittances and as the market waits for more signals from the US Federal Reserve on the …

There has been a long-standing debate about which is best when it comes to teaching young adults about good financial habits – debit cards or credit cards. Debit cards allow young adults to carry less cash and teach them to spend only what they have in their account. Credit cards, …

The House committee findings reported that Donald Trump said the hotel “brought him over $ 150 million in revenue during his tenure,” when in fact “… the records obtained by the committee show that the Trump hotel actually suffered net losses of more than $ 70 m, leading the former …

Renderings on interiors of Williams and Southside Middle Schools. Contributed FLORENCE, SC –When he opened his property tax notice, Bill Phillips was surprised to find that his bill had increased by about $ 200. Phillips said he was surprised to learn of the increase and that several of his neighbors …

If you’re like me, you’re used to PAYING the State of Minnesota, through our State Income Tax. But, in the end, the Minnesota Department of Commerce is committed to getting any money it might owe you out of your pocket. Wait what? This is all part of the unclaimed property …

BIOMETRIC CAPTURE. An employee of the Philippine Statistics Authority captures the image of a holder of a national ID card at a mall in Fairview, Quezon City, Tuesday, October 5, 2021. National ID will be ID valid which will be a means of simplifying public and private transactions, enrollment in …

SALEM, Ore. (KTVZ) – The Oregon Financial Regulatory Division on Friday warned consumers of fraudulent activity by an alleged internet mortgage and consumer finance company that is committing a scam on upfront fees, as well as identity theft of a legitimate business. The division said it received five complaints from …

at least for the moment, the US Senate avoided a crisis over the federal debt ceiling, after some House Republicans reluctantly agreed yesterday to help Democrats defer their accounts to December. The fact that the United States has endured confrontation after confrontation in Congress on the matter – and almost …

On BBC Wake up to Money this week, Kia Commodore for the Pennies to Pounds podcast gave some solutions to these issues. She gave some money saving tips that have helped her save “hundreds of pounds”. Most web browsers allow users to install add-ons. These extensions are small applications that …

(Reuters) – America’s largest lenders are expected to post slightly higher third-quarter profits next week as pandemic-related accounting adjustments that doubled profits earlier this year fade and business begins to return to the normal. FILE PHOTO: Customers use ATMs at a Citibank branch in the Jackson Heights neighborhood of New …

The 2020-2021 school year has been complicated due to the effect of COVID-19 on education, effects that have been clearly shown even in the most typical state data. The Oregon Department of Education released its “At-A-Glance” district profiles Thursday morning, as it does every year. However, this year’s profiles show …

MarketWatch has promoted these products and services because we believe readers will find them useful. We may earn a commission if you purchase products through our links, but our recommendations are independent of any compensation we may receive. Every month, Robert Heck reviews hundreds of mortgage applications. As the Mortgage …

One caveat: VPNs are still great for certain applications, such as in authoritarian countries where citizens use technology to make it appear as if they are using the internet in other places. This gives them access to web content that they normally cannot see. But as a mainstream privacy tool, …

There is nothing like your brand new vehicle with the latest technology, modern design, clean interior and zero maintenance issues. But is buying a used car the most responsible thing to do? David Sant, Marketing Director of Cyprus Credit Union, explains that this of course depends on your individual financial …

Jill Nevels-Haun, leader of a veteran news organization, will join the Savannah Morning News as editor on November 1, parent company Gannett said on Wednesday. Nevels-Haun will also be the Georgia state news director for the two other Georgia news agencies in the USA TODAY network, the Augusta Chronicle and …

DENVER (KDVR) – When it comes to keeping your kids safe from the dangers of the internet, a new report shows Colorado is actually the safest state for kids online. Especially when it comes to the number of laws our state has put in place to protect them. According to …

Alan Garfield-Turner thought he had a head start on a good job. All he had to do was find people who needed to borrow money and he would get paid to build those relationships. Payroll? He was supposed to get $ 250 for finding five people who needed personal or …

The first publication for young adult and adult readers by Gratiaen Prize and State Literary Prize nominee Nadishka Aloysius hit libraries in September with the release of The body in the paddy field. The story is set in Ratnapura and follows the life of two spirited detectives who prove that …

Perhaps Millennials enjoy having fun more than their Baby Boomer parents and Generation X siblings. The financial tastes of this cohort may have been shaped by historically low mortgage rates and the soaring house prices. Whatever the reason, Americans between the ages of 25 and 40 display significantly different attitudes …

Copyright 2021 PR Newswire. All rights reserved2021-10-05 TEMPLE, Texas, October 5, 2021 / PRNewswire / – Rowan Green Data, a Houston, texas and Portland, Oregondeveloper and infrastructure provider for hyperscale data centers across the United States, intends to build a new multi-tenant 500 megawatt (MW) campus in Temple, Texas, pending …

You made some money with your last paycheck and you have some left over after paying your mortgage or rent, along with all the other necessary bills. Rather than frivolously spending the money, you want to put it in a savings account or use it to clear some of the …

Our goal is to give you the tools and the confidence you need to improve your finances. While we do receive compensation from our partner lenders, whom we will always identify, all opinions are ours. Credible Operations, Inc. NMLS # 1681276, is referred to herein as “Credible”. When viewing real …

Photo: NDAB Creativity (Shutterstock) Most of us have already done this. Over the past several years, countless websites added firewall: If you want to read their articles, you must register and pay a monthly fee. Some sites have a “measure” pay wall—sense you can read a number of articles for …

In this opinion piece, Wharton finance professor Michael R. Roberts argues that a basic understanding of finance will help students and their parents avoid making dire decisions, such as taking out excessive student loans. . The student loan crisis has been in the news for some time. A recent the …

The SEC’s Office of Investor Education and Advocacy, the Commodity Futures Trading Commission (CFTC), the Financial Industry Regulatory Authority (FINRA), the National Futures Association (NFA) and the North American Securities Administrators Association (NASAA) publish this bulletin for investors. to highlight some key topics from World Investor Week 2021, a global …

One boring day during the pandemic, security researcher Craig Hays decided to do an experiment. He wanted to disclose an SSH username and password to a GitHub repository and see if an attacker could find it. Hays thought he would have to wait a few days, maybe a week, before …

* RBA keeps rates at 0.1%, buying bonds at AU $ 4 billion per week * The economy is expected to rebound in the fourth quarter after the contraction of the third quarter * Moderate wages, inflation means no rate hike before 2024 * Regulators look at mortgage loan growth, …

Tyrone GAA star Conn Kilpatrick has opened up about his gambling addiction and how he has managed to rack up five-figure debt on two occasions. He said he started gambling innocently as a teenager, but his gambling habit quickly grew into an addiction that caused him to borrow thousands of …

Pune: State Anti-Corruption Bureau (ACB) Pune on Sunday arrested Deputy Deputy Inspector Sandipan Mali (56) of Baramati City Police on charges of accepting a bribe of 30,000 rupees to file a favorable indictment. An ACB officer said the complainant’s wife filed a complaint against an illegal money lender. “Mali had …

On October 4, apps and websites for Facebook, Instagram, Messenger and WhatsApp were all down and unavailable in an apparent global outage. It appears to have occurred around 11:45 a.m. Eastern Time. On Facebook, an error page read: “Sorry, something went wrong. We are working on it and will fix …

Jamie Bartlett. Image: Creative Commons A new relationship between human beings and their personal data is needed after the pandemic of “high-voltage concerns about our dependence on technology”, a virtual conference organized by Scottish heard last Thursday. Jamie Bartlett, author and broadcaster on tech issues, told audiences online that we …

More help could come for first-time homebuyers Five US senators have just tabled a bill that could help low-income families build wealth more quickly through home ownership. The Low Income First-Time Buyers Act (LIFT) is currently only a bill. But if passed, it could provide a whole new loan program …

Ahead of the holiday season, India’s leading lenders – State Bank of India (SBI), ICICI Bank, Punjab National Bank (PNB), Kotak Mahindra, Bank of Baroda (BoB) and Yes Bank – are offering a lucrative discount on interest on mortgage loans. rates. The State Bank of India, India’s largest lender, for …

Residents of the Landrum area will no longer pay the additional $ 25 LANDRUM — Effective Friday, October 1, residents of Spartanburg County will no longer pay the $ 25 roadside charges on their vehicle tax bills. The road charge has been in place since 2006 and has generated approximately …

WhatsApp It is still one of the apps that attracts the attention of millions of users around the world not only for its ease of use, but with just one button you can make long distance calls and video calls completely for free. , which was not possible. 10 years …

Select’s editorial team works independently to review financial products and write articles that our readers will find useful. We may receive a commission when you click on product links from our affiliate partners. A personal loan can be used to cover a variety of expenses, including an unexpected bill, vacations, …

Longtime residents of Sarasota will no doubt recall a lawyer who was among the first to cover the airwaves with an offer to refer viewers to a lawyer. For free, even! If you were like me, you would watch with comical cynicism, wondering who in the world would use an …

Refinancing your home loan can be a very smart financial decision under the right circumstances. But there are times when getting a new home loan is definitely not the best choice. In particular, here are three situations where you might end up regretting your decision to refinance. 6 simple tips …

Readers wishing to buy Hunting automaton (LON: HTG) for its dividend will have to act shortly, as the stock is about to trade ex-dividend. The ex-dividend date is one working day before the registration date, which is the deadline by which shareholders must be present on the books of the …

This is an important step which, in the opinion of all, should not have happened so soon. The death toll in the United States from Covid-19 eclipsed 700,000 on Friday night – a number higher than the population of Boston. The last 100,000 deaths came at a time when vaccines …

KINGSTON, NY – A project to make mandatory upgrades to the city’s wastewater treatment plant on East Strand is not expected to have any significant environmental impact, the Kingston engineer said. City engineer John Schultheis told the Common Council’s Laws and Rules Committee in an online meeting on Wednesday, September …

Jim Cramer is not one of those financial experts who constantly warn against buying cryptocurrency. The Crazy money The host and former hedge fund manager told fans this year that he owns both Bitcoin (BTC) and Ethereum (ETH). However, the popular TV personality recently urged crypto investors to take profits. …

BETFAIR offers punters an incredible special cash back offer. Bookmakers will offer new customers up to £ 50 cash back if their £ 10 bets lose in ANY of the five Premier League matches selected on Saturday. 1 Betfair – Get cash back up to £ 50 if any of …

BOSTON – A man from Brockton has pleaded guilty in federal court to manufacturing drugs in Stoughton and selling drugs through the dark web. Binh Thanh Le, 25, pleaded guilty on Wednesday to conspiracy to manufacture, distribute and possess with the intent to distribute ketamine, methylenedioxymethamphetamine (MDMA) – commonly known …

“Last night one of our Stone County residents put a catalytic converter up for sale on Marketplace. Apparently he must have been under the influence because in the background of his photo he posted he left his big bag of methamphetamine and his syringe on the coffee table, “Sheriff Doug …

NATCHEZ – The elected representatives of the city of Natchez heard Tuesday evening the audit report of its last fiscal year ending September 30, 2020, and the news was good, tempered by conclusions of not unexpected accounting procedures. The audit catches up with the city on overdue audits, having completed …

Follow our live news cover on the government shutdown and infrastructure bill. WASHINGTON – Senate Republicans on Monday blocked a spending bill needed to avoid a government shutdown this week and a federal debt default next month, bringing the country closer to the brink of a budget crisis as they …

Is your credit card balance making you cringe? A surprising source can reduce your debt Maybe an unexpected medical bill or a broken device triggered your credit card debt. Or have you just gone over budget for one reason or another? There are countless ways that debt starts to pile …

Yesterday (September 30), Dallas-based department store chain Neiman Marcus said that more than 4.6 million customers who have made purchases on the Neiman Marcus website have seen their personal information, including credit card numbers and account passwords, stolen during a data breach in May. 2020, over a year ago. “The …

850 Third Avenue (Google Maps, iStock) Jacob Chetrit refinanced his half-empty Third Avenue office building with a $ 320 million loan that gives him some extra cash to bring in a new tenant. His organization Chetrit secured the 850 Third Avenue funding from private equity firm HPS Investment Partners, people …

Indian Bank announced on Friday that it has entered into a memorandum of understanding with three large non-bank finance companies (NBFCs) and housing finance companies (HFCs) for co-sourced loans to priority sectors. The Chennai-based lender has partnered with Indiabulls Housing Finance, Indiabulls Commercial Credit and IIFL Home Finance under this …

BETFAIR offers punters an incredible special cash back offer. Bookmakers will offer new customers up to £ 50 cash back if their £ 10 bets lose in ANY of the five Premier League matches selected on Saturday. 1 Betfair – Get cash back up to £ 50 if any of …

UPDATE at 10 p.m. with more details of the audit. Poor policies, processes, planning and oversight led a Dallas IT worker to delete more than 8 million files from the police department, according to a city review released Thursday. About 4.1 million photos, videos, audio, case notes and other items …

The loan guarantee and direct lending facilities of the United States Department of Energy (DOE) can be attractive financing options for borrowers who are developing electric vehicle (EV) infrastructure and innovative energy-related technologies and projects. energy, such as offshore wind, transmission, hydrogen, carbon capture and critical minerals. During 2009-2011, the …

A former Long Island public servant was convicted of stealing $ 59,000 and scamming a commercial lender into granting him over $ 1 million in loans. John Novello, the former deputy commissioner of the city of Hempstead’s buildings department, was sentenced Thursday (September 30) to five years probation, Nassau County …

October 2, 2021 HHOUSES RATES in the rich world are growing at their fastest pace in 30 years. Those in America rose a record 19.7% in July, according to figures released on September 28. House prices measured relative to incomes are above their long-term averages in three quarters of OECD …

The Waynesboro Police Department has received a few reports of rental ads scams. The information provided below was taken from the Federal Trade Commission website regarding this type of activity. Please be aware of these scams and many more that are happening right now in our region and across the …

September 30 (Reuters) – An estimated 2.06 million U.S. college and high school students use e-cigarettes with Juul and Vuse among the most popular products, according to data from a 2021 survey analyzed by officials of health. The data, published Thursday in the Centers for Disease Control and Prevention’s (CDC) …

Washington – The Supreme Court announced Thursday that it would hear a dispute between Republican Senator Ted Cruz of Texas and the Federal Election Commission (FEC) over campaign finance rules limiting the repayment of a candidate’s personal loans to his campaigns. The FEC’s appeal of a lower court decision is …

Since the start of 2020, companies from Bank of America and JPMorgan Chase to Google and Twitter have pledged billions of dollars to support entrepreneurs of color. However, not all of those dollars go straight into the pockets of business owners. Many are invested in other financial institutions, in particular …

Request help Housing assistance Safety tips after the storm Resources for affected areas Clean, repair and rebuild Rumors and scams Media Toolkit Press releases and fact sheets We continue to work with federal, state, local, tribal and community partners to support Ida’s continued response. As cleanup efforts begin in several …

The final report will show that the University of Wisconsin’s sports department even came out financially from the 2020-21 school year which was rocked by the COVID-19 pandemic. It’s because of a $ 20 million loan from the central campus to balance the budget. Athletics financial director Adam Barnes said …

Lee Enterprises No one has asked for local government loans to recover or expand Longview’s businesses since a federal game doubled the pool to over $ 1 million about 10 months ago. Cowlitz-Wahkiakum Council of Governments executive director Bill Fashing said his organization and the town of Longview received about …

Rapidly rising government bond yields are hitting stocks of tech pillars that have propelled major indexes higher for years, straining investor confidence in some of the stock market’s most popular trades . Even though this week’s slide was moderated on Wednesday, shares in software giant Microsoft Corp. , the parent …

General Services Administration (GSA) plans to develop an online marketplace to measure and monitor data protection efforts will need to be further developed to prevent data misuse, the Government Accountability Office (GAO) said in a new report. After a separate GAO report in 2018, the GSA developed an online marketplace …

Deciding how to invest your money is a process, not a one-off decision. You can turn to books and articles for an overview, but money is personal and one size doesn’t fit all. For example, portfolio allocation is a simple concept; the complexity comes from your age, your personal risk …

Real estate signs advertise new homes for sale in several new developments in York County, South Carolina, USA, February 29, 2020. REUTERS / Lucas Jackson // File Photo Pending home sales rise 8.1% in August Contracts increase in all four regions Home purchase loan applications fall last week WASHINGTON, Sept.29 …

Our goal here at Credible Operations, Inc., NMLS number 1681276, referred to as “Credible” below, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are ours. It is …

The average rate of a 30-year fixed-rate mortgage now stands at 3.46%. Mortgage rates rocked yesterday’s decline, jumping 0.062 percentage points. All other loan categories have seen their rates go up as well and start the day up. Even though the rates are higher, they remain historically low. Borrowers with …

While the concept of the debt ceiling may seem “in the weeds”, it actually poses a very real threat to millions of Americans in difficult economic times. If lawmakers on Capitol Hill remain deadlocked on raising the debt ceiling, the government could default – in essence, unable to pay the …

Credit and Data Analyst – Rosebank R 60000.00 – R 70000 pm according to experience A dynamic multinational organization in financial services is looking for your solid background to join them as a credit and data analyst coming from the financial services industry. The primary objective of the position is …

So far, there is no global authority to tackle cryptocurrency theft. This leaves individual investors to fend for themselves against crooks, hackers and fraudsters. These are 12 things you can do to make it harder for thieves to attack your digital assets. Cryptocurrencies have become a popular target for hackers …