No direct link to offer, sent out via e-mail.
Doesn’t look like the invoices need to be paid, just created. Hopefully this is like the Bill Pay and Zelle promotion where you can call/secure message in and get it added to your account. Chase is also offering new business checking customers a bonus of up to $1,500 currently.
Hat tip to reader Drew
Rocket Mortgage appointed Nicole Beattie as its chief servicing officer to lead the company’s servicing operations, which had a total portfolio of $2 trillion in unpaid principal balance and 9.1 million loans as of June 30, following its 2025 acquisition of Mr. Cooper. Beattie started at
Processing Content
Flyhomes, a buy-before-sell platform, appointed Tyler Moynihan as vice president of business development, where he will focus on expanding strategic distribution partnerships with mortgage lenders, homebuilders, brokerages and technology platforms. Moynihan spent 12 years at Zillow, where he served as vice president of partnerships and corporate development and helped lead the $500 million acquisition of ShowingTime. He joins from Opendoor, where he held a leadership role.
The company also tapped Nihit Nirmal as vice president of product Wendy Tieu as director of partner enablement. Nirmal served as group chief product officer at Funding Societies, one of Southeast Asia’s largest SME lenders, and previously held roles including senior vice president of product and growth at Lendingkart. Tieu will support the company’s loan officer network as it expands its platform.
STRATMOR Group, a mortgage industry advisory firm, announced that Coby Hakalir joined the firm as managing director. Hakalir will advise lenders and real estate professionals on business strategies and technology solutions. His career spans leadership roles across multiple lending channels and extensive advisory experience serving mortgage lenders, investors, real estate companies and affiliate businesses. He joins from T3 Sixty, where he served as managing director.
The Mortgage Bankers Association promoted five employees to associate vice president positions. Julie Kind was elevated to associate vice president of program development, Lisa Leonard to associate vice president of commercial real estate finance marketing, Amanda Lodato to associate vice president of residential marketing, Alisha Sears to associate vice president and regulatory counsel and Dina Shahin to associate vice president of contracts and procurement.
Kind joined the MBA in 2022 from Freddie Mac’s Single-Family division, where she served as senior director of marketing and customer outreach. Leonard has been with MBA since 2013, while Lodato has been at the MBA for 10 years.
HomeServices of America and Long & Foster Companies announced that Daniel Dennis has been named president and CEO, leading the residential real estate brokerage and its affiliated businesses serving the Mid-Atlantic and Northeast. Dennis most recently served as senior vice president of sales and service at RE/MAX, where he worked with brokerage leaders across the country and led teams focused on recruiting, agent support and expansion.
Earlier in his career, he spent more than a decade leading Roberts Brothers, a HomeServices of America brokerage in Alabama, and later served as president of Illustrated Properties in South Florida. Dennis succeeds Patrick Bain, who stepped down following a 16-year career with Long & Foster, including more than three years as president and CEO.
Floify, a mortgage point-of-sale platform and subsidiary of Porch Group, named Bryan Traeger as general manager, effective Oct. 12. Traeger most recently served in corporate development at Blue Cross & Blue Shield of Minnesota and spent nearly six years at Maxwell, where he led acquisitions including LenderSelect Mortgage Group and point-of-sale platform Revvin. Prior to joining Maxwell, he was vice president of corporate development, information technology and marketing at HomeServices Lending, a Berkshire Hathaway company.
TrustEngine, a mortgage technology solutions company, appointed Brandon Durham as vice president of adoption and partnerships. Durham will oversee customer adoption strategy, expand strategic partnerships and help lenders maximize the value of TrustEngine’s technology. He most recently spent 11 years at Homeowners Financial Group, where he rose from production support manager to director of training and business technology, overseeing a 15-platform technology ecosystem supporting more than 300 employees and 125 sales professionals.
Prior to joining Homeowners Financial Group, Durham held roles at Stonegate Mortgage Corporation, National Residential Mortgage and Caliber Funding.
Title Resources Group appointed Brian Ruzycki as chief technology officer. In this new position, Ruzycki will oversee the company’s technology organization. He brings more than 20 years of technology leadership experience spanning mortgage lending, servicing, capital markets, fintech, subscription software and real estate technology.
Ruzycki joins from MAXEX, where he served as chief technology officer and led the company’s technology platform, cloud infrastructure strategy and artificial intelligence initiatives. Prior to MAXEX, he held senior technology leadership roles with RoundPoint Mortgage Servicing, Homeowners Financial Group, Fairway Independent Mortgage Corporation, Carrington Mortgage Holdings and Xome.
Westcor Land Title Insurance Company announced the promotion of Mandy Bacco to senior vice president, residential division manager. In this role, she is responsible for developing governance frameworks, optimizing processes, leading change management efforts and ensuring alignment between business strategy and operational execution. Throughout her tenure with Westcor, Bacco has played an instrumental role in advancing strategic priorities, improving operational effectiveness and supporting sustainable growth.
Homes for Heroes, a network dedicated to helping firefighters, EMS, law enforcement, military members, healthcare professionals and teachers save money when buying or selling a home, appointed Amit Kulkarni as CEO. Kulkarni had served as interim CEO since April, following his appointment to the company’s advisory board in November 2025.
ORSNN, an electronic trading platform for institutional whole loan markets, announced it appointed Aaron Khoo as chief product officer and Werner Koepf as chief technology officer. Khoo will lead product strategy with a focus on digitizing traditional loan sale workflows and building security, compliance and data fidelity into product requirements. He joins from Amazon Web Services, where he most recently served as general manager of the control tower and service catalog, leading product and engineering for cloud governance and management services.
Koepf will focus on technology strategy and engineering execution, including platform architecture, infrastructure, security and reliability. He previously served as chief product and technology officer at LILT AI and senior vice president of engineering at Karat and Conversica.
ORSNN also welcomed Ken Plank as senior advisor, credit unions. He will advise on the lending and portfolio needs of credit unions, drawing on experience across commercial, mortgage and consumer lending, credit administration and credit risk management. Plank previously served as executive vice president of lending and chief lending officer at Numerica Credit Union, following earlier banking roles at Washington Trust Bank, Wells Fargo and U.S. Bank.
<p>As shoppers delegate more decisions to AI, engagement no longer guarantees strategic control.</p>
₹80,000 पगारातून ₹4.26 कोटी तयार होऊ शकतात | #finance #shorts
***************************************
Click On Below Link to Open a Demat Account With Leading Discount Broker:
Open Free Demat account from link –
Upstox –
Angelone –
***************************************
Do Subscribe – Hrutik Mohite Finance
Thanks for watching!
Happy Investing 🙂
– – – – – – – – – – – – – – – – – – – – – – – – – –
DISCLAIMER:
Hrutik Mohite is not a financial adviser. The information provided in this video is for general information only and should not be taken as professional advice. There are risks involved with stock market investing and consumers should not act upon the content or information found here without first seeking advice from an accountant, financial planner, lawyer or other professional. Consumers should always research companies individually and define a strategy before making decisions. Hrutik Mohite is not liable for any loss incurred, arising from the use of, or reliance on, the information provided by this video.
source
Investment professionals are familiar with this problem. A backtest may show a pattern. A factor may appear significant. A model may identify structure in returns. Yet once turnover, trading costs, slippage, market impact, regime shifts and operational constraints are included, the apparent opportunity may disappear.
AI does not eliminate this problem. In some cases, it can intensify it.
A reinforcement learning agent is trained to act. If it detects weak signals, it may try to exploit them through frequent position changes. But when those signals are close to noise, trading activity can become costly. The agent may overfit short-lived fluctuations, engage in excessive trading and erode returns through costs.
Alternatively, the agent may learn the opposite lesson. If the environment is noisy and transaction costs are meaningful, the most rational policy may be to do nothing. In this case, the AI system does not become a superior trader. It becomes inactive.
Both outcomes are important. They show that failure is not random. It is informative.
If an AI agent cannot transform a detectable pattern into positive net performance, that may tell us something about the market environment. The signal may be too weak. The cost structure may be too high. The observation space may be insufficient. The model may be too constrained. Or the pattern may be statistically real but economically untradable.
This is the essence of the Learnability Threshold.
Moderna (MRNA +14.21%) has been one of the market’s hottest stocks this year, surging more than 500% so far. The biotech stock has delivered these kinds of gains before, soaring more than 2,000% from the start of 2020 through early August of 2021, as its coronavirus vaccine delivered blockbuster revenue. Moderna was one of the stars of early pandemic days, bringing a vaccine to market in a matter of months — a vaccine that would become one of the world’s top-selling pharmaceutical products.
In the years to follow, though, Moderna’s earnings picture and stock performance fell into the doldrums. Demand for the vaccine, its only product at the time, slid in later pandemic days, and Moderna found itself cutting costs to account for this shift. Meanwhile, the company gained other product approvals and advanced its pipeline, but investors didn’t immediately jump on board. In fact, the stock slid in recent years.
This year, however, investors have gotten excited about Moderna again, particularly in response to the progress of its personalized cancer vaccine candidate. That’s supercharged Moderna’s stock performance, and as a result, Moderna now trades 61% above Wall Street’s average price target. Is it time to sell? Let’s find out.
Image source: Getty Images.
Moderna, as mentioned, experienced tremendous growth thanks to its first commercialized product, the coronavirus vaccine. At its peak in 2022, it generated more than $18 billion in product revenue. And, importantly, it proved the efficacy of Moderna’s messenger RNA technology, which the company uses across its pipeline. Moderna uses mRNA to teach the body to make certain proteins that protect against or fight certain diseases.
The biotech company has broadened its product portfolio and advanced its pipeline since early pandemic days. Today, it has four commercialized products in the U.S. — two coronavirus vaccines, a flu vaccine, and a vaccine for respiratory syncytial virus (RSV). And it recently won approval in Europe for a combined flu/coronavirus vaccine.
Still, investors didn’t immediately recognize the potential of Moderna beyond its early coronavirus days successes, and the stock slid 83% over the past three years.
This year, however, has marked a clear turnaround. Investors have cheered the progress of Moderna’s personalized cancer vaccine and rushed to get in on the stock. Moderna is investigating the candidate in about 10 clinical trials, with the most advanced in phase 3. And just recently, Moderna said that its candidate, intismeran autogene, paired with Merck‘s Keytruda, met endpoints for recurrence-free survival and survival without cancer spreading to distant organs in a melanoma trial. Based on data from this phase 3 trial, Moderna says it will speak with regulators about filing submissions.
Much of Moderna’s gain for this year came after the release of that data.
Today’s Change
(14.21%) $28.00
Current Price
$225.00
Market Cap
Day’s Range
$197.17 – $225.00
52wk Range
$22.28 – $225.00
Volume
28.9M
Avg Vol
18.1M
Gross Margin
12.57%
Now, let’s return to our question: With Moderna now trading significantly above Wall Street’s average price target, is it time to sell the stock? Considering Moderna’s massive gain so far this year, I wouldn’t be surprised to see the stock stagnate or pull back at a certain point. It may have climbed too far, too fast.
That said, Moderna’s long-term story remains bright. While some of the good news may be priced in at today’s levels, this biotech company is in the early days of its growth. The company’s personalized vaccine is being studied across various types of cancer, so it could eventually be used for a broad range of patients. It is important to keep in mind, however, that personalized vaccines aren’t as easy to produce at scale as a treatment that isn’t personalized. So even product approval here may not drive rapid growth.
Moderna’s pipeline is strong, however, and could progressively transform this company into a biotech giant, with a wide range of products across treatment areas and a strong earnings picture. So the stock holds growth potential over time.
What should you do now? If you’ve held Moderna shares for a while and aim to lock in some gains, potentially to expand into other stocks or sectors, now may be a good time to do so. As I mentioned above, the stock could take a pause after its tremendous gain this year. But over time, as Moderna launches new products and advances its pipeline, the stock should have plenty of room to run — so overall, it is still a fantastic biotech player to own.
Blockchain.com, a long-established digital asset platform, has moved to secure regulatory clearance that would allow it to expand into US prediction markets and cryptocurrency derivatives trading.
The company informed CNBC that it has submitted applications for two licenses from the Commodity Futures Trading Commission (CFTC), the federal agency responsible for overseeing futures and derivatives markets.
The filings request a designated contract market license, which would authorize Blockchain.com to operate as a regulated futures exchange, and registration as a futures commission merchant, the status that permits a firm to act as a broker for derivatives contracts.
Approval of both would enable the platform to list event contracts—instruments that let participants take positions on the outcomes of real-world events—alongside cryptocurrency derivatives for retail and institutional customers in the United States.
Peter Smith, co-founder and CEO of Blockchain.com, framed the applications as part of a broader effort to simplify user experiences.
In a statement, he said customers should be able to manage digital assets, trade derivatives, and take positions on real-world events conveniently without needing to switch between separate applications.
He added that the DCM and FCM applications advance that integrated vision in the US by working through established regulatory channels.
The regulatory push follows activity the company has already launched outside the United States.
Earlier in 2026, Blockchain.com began offering prediction markets to certain international users through a partnership with Polymarket and introduced perpetual futures trading powered by Hyperliquid for a subset of those customers.
Those products currently remain unavailable to US clients.
If the new licenses are granted, Blockchain.com would gain the ability to provide similar offerings directly under its own regulated structure rather than routing them exclusively through third-party partners.
The applications arrive amid rising interest among crypto firms in prediction markets and among prediction market operators in crypto-style products.
Platforms such as Crypto.com and Gemini Space Station run their own event contract marketplaces, while Coinbase primarily offers such contracts through a partnership with Kalshi.
Separately, Kalshi and Polymarket have expanded into perpetual futures—one of the most actively traded instruments in crypto—for US and international users, respectively.
Blockchain.com joins eleven other companies that have filed for designated contract market licenses in 2026 alone.
The CFTC has approved six new DCMs so far this year.
The firm is also advancing plans to enter public markets.
It confidentially submitted a draft registration statement to the Securities and Exchange Commission in May for a proposed initial public offering.
Bloomberg reported the previous month that the company aims to go public this year, targeting a valuation between $4 billion and $6 billion.
The licenses remain under review, with no announced timeline for a potential US launch.
The move reflects a wider industry pattern in which digital asset platforms seek to consolidate custody, trading, derivatives, and event-based contracts into fewer regulated interfaces while navigating an evolving federal and state oversight landscape for prediction markets.
In September 2026, Blockchain.com also signed a memorandum of understanding with the New York Stock Exchange Group to explore providing its users access to tokenized US-listed stocks and ETFs through the exchange’s planned digital trading venue, subject to regulatory approvals.
Opinions expressed by Entrepreneur contributors are their own.
Everyone is asking who AI will replace. Almost nobody is asking the better question: Who will AI release?
It will release the person whose mind produces 10 ideas before breakfast and loses eight by lunch. The person who sees connections nobody else in the room sees but cannot get them into a memo anyone will read. The person who has heard “so much potential, if you could get organized” in every performance review of their career.
For 100 years, the modern workplace sorted people on one dominant trait. It wasn’t intelligence, creativity or judgment. It was the ability to convert thought into tidy, linear output, on schedule and in the right format. If you could do that, you advanced. If you couldn’t, the quality of your thinking never mattered, because nobody saw it.
I have spent decades building software companies, and the pattern held in every one. The most original minds I worked with were rarely the most organized. They thought in webs, not lines. They could hold an entire system in their heads and still miss the status meeting about it. The promotions went to the people who wrote clean documents and answered email in order.
Entrepreneurship has always drawn heavily from these minds. Michael Freeman, a clinical professor of psychiatry at the University of California, San Francisco, found that 29% of the entrepreneurs he studied reported ADHD. The CDC estimates that 6% of U.S. adults, about 15.5 million people, currently have the diagnosis. Many founders with ADHD landed in company-building because it was the only structure that did not punish the way their minds work.
Then AI arrived, and over the past three years it has started removing an obstacle those minds have faced their entire lives.
Before anyone takes an idea seriously, it has to be packaged. That means hours spent sequencing, structuring, formatting and polishing good thinking into an acceptable format. I think of it as an organization tax: the toll charged between having an insight and getting credit for one.
That work was never equally hard for everyone. A linear, methodical mind barely notices it, because thinking and packaging are the same motion. A fast, associative mind, of which the ADHD mind is the clearest example, finds it punishing. The thinking arrives in fragments, out of order, three threads at once. So the insight dies in a notes app, or arrives two weeks late, or comes out as a ramble in a meeting where a tidier person restates it and collects the credit.
The workplace has always treated difficulty packaging ideas as a character flaw: Lacks follow-through. Needs to prioritize. Not detail-oriented. Those performance-review phrases measure packaging. We spent a century grading packaging and calling it potential.
Now flip the lens. If your career was built on packaging, meaning faithful execution, clean formatting and polished delivery of ideas that mostly originated elsewhere, AI is pointed directly at you.
I wrote here recently about the Prompt Test: If the instructions for a task could be dropped into an AI tool and produce the same output, the role as currently performed is automatable. Packaging is the other side of that ledger. AI absorbed more than instruction-following. It absorbed organizing itself. Structuring, summarizing, sequencing and formatting are now available for the price of a streaming subscription.
The trait the old system selected for hardest is the first one AI fully commoditized. The people who fail in this era will not fail because AI outthinks them. They will fail because packaging was their product, packaging is now free, and they kept defending it instead of climbing above it.
On the other end of the spectrum, something new is happening. For the first time, a mind that produces thought in fragments has a tool that assembles fragments into wholes. You can talk at an AI in 10 directions, and it hands back the through-line. You can dump three weeks of half-formed notes into one window and get back a structure you recognize as yours.
People with ADHD often describe this the same way: For the first time, I can see the bigger picture of my own thinking. The dots were always there. Connecting them was the hard part, and AI connects.
There is evidence behind the anecdote. When the U.K.’s Department for Business and Trade ran a three-month evaluation of Microsoft 365 Copilot across 1,000 employees, neurodivergent staff reported significantly higher satisfaction than their neurotypical colleagues and were more likely to recommend the tool. One said it had leveled the playing field.
The pattern extends beyond neurodivergence. Stanford economist Erik Brynjolfsson, with MIT’s Danielle Li and Lindsey Raymond, studied more than 5,000 customer support agents given a generative AI assistant. Productivity rose 14% on average, 34% for the newest, least-skilled agents, while the most experienced barely moved. A Harvard Business School and Boston Consulting Group experiment with 758 consultants found the same shape: The bottom half of performers improved 43% with GPT-4, more than double the 17% gain of the top half.
Read together, the findings say AI compresses the execution gap and leaves the judgment gap. Whatever separated the bottom of the distribution from the top in speed, polish and format, AI closes. What it cannot supply is the quality of the raw thinking, the taste to know which of 10 threads matters, and the judgment to see that the assignment itself is wrong.
So the question that decides success is not whether you use AI. Everyone will. The question is what is left of you once the packaging is free. If your thinking was always better than your output, AI is the best thing that has ever happened to your career. If your output was always better than your thinking, you have a harder conversation ahead, and less time for it than you think.
Every technology re-sorts the workforce. The assembly line rewarded punctuality. The corporation rewarded organization. AI rewards original judgment and the curiosity to keep feeding it.
That should worry some people and liberate others. For a century, work sorted people by how well they could organize their thoughts. It is starting to sort them by whether the thoughts were worth organizing. Some people are about to be found out. Others are about to be found.
Everyone is asking who AI will replace. Almost nobody is asking the better question: Who will AI release?
It will release the person whose mind produces 10 ideas before breakfast and loses eight by lunch. The person who sees connections nobody else in the room sees but cannot get them into a memo anyone will read. The person who has heard “so much potential, if you could get organized” in every performance review of their career.
For 100 years, the modern workplace sorted people on one dominant trait. It wasn’t intelligence, creativity or judgment. It was the ability to convert thought into tidy, linear output, on schedule and in the right format. If you could do that, you advanced. If you couldn’t, the quality of your thinking never mattered, because nobody saw it.
“A lot of really veteran originators are resisting something that I call the CEO oversight of sales, which is that we always have to be acquiring new clients and new referral partners,” she said. “I challenge them to examine and not assume that the poor referral base is just the market, to really look at what they’re getting and go back to the basics.”
She said the basics include scoping out a geographic area, using the industry’s vetting tools, and not writing off a realtor who already works with another lender. Independent brokers are CEOs of their own shops, she said, and nobody is coming to tell them to rebuild their sales funnels.
Beckwith also encouraged brokers not to write off cash-out refinances, even in an elevated market. JD Power’s 2026 U.S. Mortgage Servicer Satisfaction Study found 59% of borrowers are financially vulnerable, stressed, or overextended and 30% fear losing their home.
The focus needs to be on the benefit of the move, rather than the rate change, she said.
“Sure, your rate’s going to go up,” Beckwith said. “But if you get rid of this $30,000, $40,000 unprecedented high revolving compounding interest debt on credit cards and you maybe grab some cash, put yourself in a better reserve position, that increase to your mortgage rate, even though your mortgage payment may go up, your overall savings may be paramount. Your re-securing and resetting of your financial position may be paramount.”
Hi everyone! In this video, I want to share a simple walkthrough on how to get started with cryptocurrency trading using the GCrypto feature within the GInvest option in GCash.
I’m sharing this because I know many of us are curious about exploring new ways to manage our money. Please remember that trading comes with risks, so always do your own research and only invest what you are comfortable with. I hope this short guide helps you navigate the platform a little easier!
Timestamps / Chapters:
0:00 – Introduction
0:18 – Checking my Trading Wallet balance
0:38 – How to top up your GCrypto wallet
0:55 – Withdrawing funds from GCrypto
1:21 – Important note on email authentication for withdrawals
1:48 – Choosing and buying cryptocurrency (ADA example)
2:24 – Entering the trade amount
3:01 – Managing your investment and staying patient
3:50 – Final tips and sign-off
👉Follow Me🔔
━━━━━━━━━━━━━━━━━━
