Bank of america 9 digit account number

With thousands of construction workers and contractors needing long-term housing, the world’s largest hotel franchisor is launching a new brand for the booming boots-and-hardhat market. G eoff Ballotti is staring at a map on his office wall and likes what he sees. Nearly two dozen dots sprinkled across the United States represent future semiconductor factories. Outside of the microchip sector, few executives would seek out such a stodgy map from the Semiconductor Industry Association, let alone hang it on a wall. But for the CEO of Wyndham Hotels & Resorts (2022 revenue: $1.56 billion), each dot on that map represents a giant, flashing-light opportunity. Ballotti quickly rattles off examples of locations where new chip factories are slated to appear. Intel is building two plants in Chandler, Arizona, at around $30 billion a pop. In Texas, plants have been announced by Texas Instruments in Sherman ($30 billion) and by Samsung in Taylor ($25 billion). In Indiana, they are … [Read more...] about Wyndham Hotels Grabs A Windfall From America’s Infrastructure Agenda

Share to Twitter Share to Linkedin MicroStrategy MSTR , the business-software company that has a thing for bitcoin still loves the cryptocurrency even though it sold some for tax purposes last month, employing a tactic that could help other long-term fans ease the pain from the asset’s months-long slide. As part of a flurry of late-year transactions, MicroStrategy sold about 704 bitcoins at an average price of $16,776 on December 22, the first time the company had divested any holdings of the leading cryptocurrency. But that followed purchases of about 2,395 tokens for about $17,871 each from November 1-December 21. The company said in an SEC filing that it planned to use losses generated by the sale to diminish previous capital gains, which could result in tax benefits. It also said it turned around and bought 810 bitcoins on December 22 at about $16,485 each, meaning MicroStrategy had a net increase of about 2,501 in its bitcoin hoard since the … [Read more...] about MicroStrategy Sticks With Long-Term Bitcoin Strategy But Uses Short-Term Sale For Tax Benefit

Share to Twitter Share to Linkedin What Happened It has been a rough 2022 for cryptocurrency holders who had to face the collapse of luna and its associated stablecoin terraUSD, the meltdown of several digital-asset exchanges, and a brutal financial winter that cut the market value of all coins and tokens to $800 million from the January high of $2.4 trillion. With the year coming to an end, U.S. investors–most of whom are likely to be sitting on losses – have some room to optimize their tax situations and get ready for the upcoming filing season. Anyone following crypto knows how volatile the market can be. Forbes CryptoAsset & Blockchain Advisor looks at the universe of viable crypto assets with proprietary analysis and insider crypto knowledge to guide you to the best choices. Key Concepts Below are some strategies and best practices you can follow before the end of the year to save on taxes and have a smoother filing experience in … [Read more...] about Year-End Tax Tips After Crypto’s Dismal 2022

Share to Twitter Share to Linkedin The Commodity Futures Trading Commission (CFTC) today issued a complaint against Binance, the largest crypto exchange in the world, alleging that the firm put profits over compliance and committed “numerous violations of the Commodity Exchange Act (CEA) and CFTC regulations.” Also mentioned were Changpeng Zhao, the Binance founder and CEO, and former Chief Compliance Officer Samuel Lim, who is cited widely throughout the complaint and allegedly orchestrated much of the malfeasance. Today’s filing is the latest in a series of questionable behaviors by the company. However, while the CFTC is seeking disgorgement of profits, civil monetary penalties, registration bans and a permanent injunction against violations of the CEA and CFTC regulations, the long-term impact of this filing is unclear. Specifically the document, filed today in the federal courthouse in Chicago, alleges that the company offered crypto derivatives, … [Read more...] about U.S. Regulator Says That Binance Illegally Helped Americans Trade On Its Exchange

Share to Twitter Share to Linkedin It was fitting that Adobe ADBE chose Las Vegas this past week to announce Firefly, its entry in the red-hot generative artificial-intelligence race. As one corporate consultant working the exhibition hall put it, such generative AI functionality is now “table stakes” for every big tech firm, a minimum (if hefty) bet that is quickly becoming a must-have for both customers and investors. Firefly is very much in beta still, as Adobe executives repeatedly emphasized. Would-be users must sign up online, and will be given access over the coming weeks to tools that make it easy to swap in image backgrounds, products, props, colors, marketing text and more, then quickly create and publish multiple variants for other platforms. Firefly’s launch represents another big, if still preliminary step, putting Adobe products alongside high-profile offerings such as ChatGPT, Midjourney , and Stable Diffusion from companies such as … [Read more...] about As Adobe Shows Its Generative AI Hand, Hollywood Grapples With Changing World

Share to Twitter Share to Linkedin Widely circulated reports that the U.S. Securities and Exchange Commission (SEC) is investigating $20 billion crypto exchange Coinbase are just the tip of the iceberg, according to a staffer from U.S. Senator Cynthia Lummis’ (R-Wy) office. The staffer says every U.S. crypto exchange—and the largest crypto exchange in the world, Binance—are in various stages of being investigated. There are more than 40 U.S. cryptocurrency exchanges, according to crypto data site, CoinGecko. The SEC has not responded to multiple requests for comment. Coming in the wake of a number of SEC actions asserting the regulator’s domain over the crypto industry, and an equally strong response by the U.S Commodity Futures Trading Commission (CFTC) pushing back against what it characterizes as “regulation through enforcement,” the staffer says the SEC urgently wants to resolve its dispute with the CFTC over crypto jurisdiction. If the matter isn’t … [Read more...] about Every U.S. Crypto Exchange (And Binance) Is Being Investigated By The SEC, Says Senator Lummis Staffer

Share to Twitter Share to Linkedin Bruce V. Roberts, CEO of Carofin , arranges direct private investments in growth companies by family offices and high net worth individuals. For over 100 years there has been debate among historians, and a few eccentric mathematicians, over the origin of the quote, “There are three types of lies: lies, damned lies and statistics.” If you’re English, you could go with the 1st Earl of Balfour in 1892 or Benjamin Disraeli, a leading politician at that time. If you’re American, you’re probably thinking Mark Twain came up with it (he didn’t). Either way, it’s time to update this clever phrase—given today’s technologies. Spreadsheets, created on personal computers, now generate most of the financial reports and other more challenging computations used worldwide, including the statistics our forebears were so suspicious of. Complex analysis doesn’t necessarily lead to better conclusions. Monster spreadsheets, … [Read more...] about Lies, Cursed Lies, And Spreadsheets: A History Of Financial Calculations

Share to Twitter Share to Linkedin John Thomas serves as chief strategy and innovation officer at Relay Network , a complete customer engagement solution for the enterprise. Much has been written recently on how companies can better personalize the customer experience. Many consumers expect personalization, and executives want to deliver personalization to their customers. Yet, some companies continue to struggle with exactly how to translate personalization from a strategy deck to actual customer interactions at a reasonable cost and time frame and at scale. I’ve found the scholarly articles that suggest capturing more data, using it better in real time, driving segments and personas, and delivering more relevant content often fall short of how exactly to put these ideas into practice considering data and infrastructure realities. Truth is, I’ve had the opportunity to work on personalization across four different industries in the last 10 … [Read more...] about Practical Principles For Your Company’s Path To Personalization (Part One)

Share to Twitter Share to Linkedin The Advertising Research Foundation (ARF) recently called for a “gradual migration” away from the long-held term “TV households” to “TV-accessible households” (TVA), as the source of television measurement. The ARF cites the continued migration in viewing driven by broadband and mobile devices. The suggestion comes after the ARF conducted an extensive enumeration survey of 10,000+ adults age 18+ via its most recent Device and Account Sharing (DASH DASH ) survey. The DASH survey is a nationally projectable enumeration study of consumer behavior with TV and digital media. The survey data was collected online, face to face and by phone. In addition, 3,141 of the respondents were in previous year’s survey allowing to uncover any longitudinal changes using a unified sample. The evolution of DASH will be explored in a session entitled, “DASH: Building a New Standard in TV,” at an ARF AUDIENCExSCIENCE event on April 25. … [Read more...] about Advertising Research Group Wants To Replace TV Households

Share to Twitter Share to Linkedin The tide has turned as housing markets in tech hubs and pandemic migration hot spots are cooling more rapidly than other parts of the country as the tech sector falters and mortgage rates remain elevated, according to a recent survey . The Redfin analysis found that Austin, Texas cooled the fastest over the last year as the housing market descended from its pandemic-era boom. The Fed started hiking interest rates to combat inflation, leading to an increase in mortgage rates a year ago. Austin is followed by Seattle; Phoenix; Tacoma, Washington; and Denver. Las Vegas, Stockton, California; San Jose, California; Sacramento and Oakland, California round out the top 10. When push comes to shove, high rates, low supply and tech layoffs dampen demand in West Coast hubs Measures of home buying demand and competition dropped off quickly in tech centers, including Seattle, San Jose and Oakland. The typical San Jose home … [Read more...] about Pandemic Boomtowns Go From Hot Spots To Not-So-Hot Spots