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Sowei 2025-01-12
On Friday, October 25, the celebrated its 40th anniversary at Upper Barrakka Gardens in Valletta. With the stunning Grand Harbour as a backdrop, the event gathered hundreds of guests, including Laferla’s team, intermediary network and business partners, to commemorate four decades of success. During the event, the company announced significant investments and corporate updates, including the upcoming launch of its new fintech app, including a new line of business – Laferla Money. This is an integrated wallet and debit card facility that embeds payment services within Laferla’s existing digital offering, marking a significant new chapter for the brand whilst establishing a new unique value proposition in the local insurance scene. Laferla marked a new era in its legacy with the official announcement of Laferla Money, introduced as “the first of many new vertically integrated services within our offering”. This innovative product, powered by Maltese- and UK-licensed Financial Institution, Andaria, is set to transform the company’s digital landscape. Laferla Money will offer customers a new range of services, including multi-currency IBANs and Mastercard debit cards. The services, provided by Andaria, shall be integrated seamlessly within Laferla’s new app – making it a one-stop solution for many daily needs, and the first fintech application which focuses primarily on insurance services. “Our vision goes beyond just insurance. We are excited to introduce Laferla Money, a key addition to our product range which allows our app to become a comprehensive solution enabling users to manage their insurance and money needs, through one convenient platform,” said Mark Laferla Jr. “The result of our investments is a new digital platform which we will continue to build on, by bringing to market further complimentary products and services that will continue to enhance our value proposition, whilst continuing to grow our core operation in the insurance industry.” Laferla Money will empower users to open an account within minutes, hold balances and transact in several different currencies, managing their daily payments using virtual and physical Mastercard debit cards. Customers will also be able to easily transfer money globally via peer-to-peer transfers to other Laferla Money accounts, as well as SEPA or Swift transfers. “The technology stack we are investing in, as well as the partners we have chosen to work with, will ensure that our app provides functionality that rivals top Fintech brands whilst allowing us to scale up quickly,” said Kevin Laferla. Laferla’s expansion into financial services represents a significant milestone, and the company’s leadership is confident that this new offering will enhance its value proposition. “We are extremely excited to be announcing these new services after years of development. This added value proposition is a key step in our brand’s long-term vision, which focuses on customer experience, diversification of services to enhance our value proposition, and internationalisation”, explained Keith Laferla. “A key value proposition in this journey will be our 40 years of experience in the insurance sector – a business line that is typically treated as an afterthought within finance-focused fintech apps. With this, Laferla will position itself as a fintech app with a real insurance offering,” he concluded. Mark Laferla Jr., Keith Laferla, and Kevin Laferla expressed their heartfelt gratitude to their father and founder, Mark Laferla Sr as well as his wife Helen, who were instrumental in growing the company from the ground up. The brothers thanked their entire team, key partners and loyal customers, who have been instrumental in the company’s success. The evening was capped off with a spectacular display of fireworks over the Grand Harbour, providing a breathtaking tribute to Laferla’s rich heritage. The event celebrated the company’s past, and a powerful statement about its future. You can unsubscribe at any time by clicking the link in the footer of our emails. We use as our marketing platform. By subscribing, you acknowledge that your information will be transferred to Mailchimp for processing.Sun Ce, also known as Sun Jian's Little Conqueror, was hailed for his unmatched skill and prowess on the battlefield. His reputation as a warrior with unwavering courage and determination has long been the stuff of legends. However, in recent months, there have been whispers of a decline in Sun Ce's once impeccable standards.mega q-mart quezon city philippines



As the tennis world looks ahead to the upcoming season, the legacy of Zheng Qianwen's historic upset over Svitolina will serve as a powerful reminder of the unpredictable nature of the sport and the potential for greatness in every player, regardless of their ranking or reputation. Her triumph will forever be etched in the annals of tennis history as a testament to the enduring spirit of underdogs and the magic of the sport.

Unique among ‘Person of the Year’ designees, Donald Trump gets a fact-check from Time magazineIn a swift and decisive move, the authorities took the individuals responsible for the student's abduction into custody and imposed criminal coercive measures to ensure that justice is served. The suspects are currently under investigation, and efforts are being made to uncover the full extent of their involvement in the incident.

In a bizarre incident that unfolded at a local food festival, a man reportedly suffered injuries after encountering a hard object while eating a rice dumpling. The man, whose identity remains undisclosed, claims that he attempted to tough it out but eventually succumbed to the unexpected challenge. Now, in an unprecedented move, he is seeking compensation for his ordeal and demanding concrete proof to support his claim.In 2024, as the clock ticks down to the end of the year, I am reminded of the optimism and curiosity that defined the technological landscape of 2004. The belief that technology could change lives for the better, connect people across the globe, and unlock new possibilities still rings true today.

By DAVID BAUDER Time magazine gave Donald Trump something it has never done for a Person of the Year designee: a lengthy fact-check of claims he made in an accompanying interview. Related Articles National Politics | Trump’s lawyers rebuff DA’s idea for upholding his hush money conviction, calling it ‘absurd’ National Politics | Trump wants to turn the clock on daylight saving time National Politics | Ruling by a conservative Supreme Court could help blue states resist Trump policies National Politics | A nonprofit leader, a social worker: Here are the stories of the people on Biden’s clemency list National Politics | Nancy Pelosi hospitalized after she ‘sustained an injury’ on official trip to Luxembourg The fact-check accompanies a transcript of what the president-elect told the newsmagazine’s journalists. Described as a “12 minute read,” it calls into question 15 separate statements that Trump made. It was the second time Trump earned the Time accolade; he also won in 2016, the first year he was elected president. Time editors said it wasn’t a particularly hard choice over other finalists Kamala Harris, Elon Musk, Benjamin Netanyahu and Kate Middleton. Time said Friday that no other Person of the Year has been fact-checked in the near-century that the magazine has annually written about the figure that has had the greatest impact on the news. But it has done the same for past interviews with the likes of Joe Biden, Netanyahu and Trump. Such corrections have been a sticking point for Trump and his team in the past, most notably when ABC News did it during his only debate with Democrat Kamala Harris this fall. There was no immediate response to a request for comment on Friday. In the piece, Time called into question statements Trump made about border security, autism and the size of a crowd at one of his rallies. When the president-elect talked about the “massive” mandate he had received from voters, Time pointed out that former President Barack Obama won more electoral votes the two times he had run for president. The magazine also questioned Trump’s claim that he would do interviews with anyone who asked during the campaign, if he had the time. The candidate rejected a request to speak to CBS’ “60 Minutes,” the magazine said. “In the final months of his campaign, Trump prioritized interviews with podcasts over mainstream media,” reporters Simmone Shah and Leslie Dickstein wrote. David Bauder writes about media for the AP. Follow him at http://x.com/dbauder and https://bsky.app/profile/dbauder.bsky.social.

GSA Capital Partners LLP Has $249,000 Stock Holdings in Gravity Co., Ltd. (NASDAQ:GRVY)The Xiaomi Smart Socket 3 is a popular choice among tech-savvy consumers for its reliability, functionality, and affordability. With the additional discount offered by South Hill, this smart home accessory becomes even more attractive to those looking to upgrade their living spaces with cutting-edge technology.

NBT Bancorp Inc. ( NASDAQ:NBTB – Get Free Report ) has received a consensus rating of “Hold” from the five ratings firms that are covering the stock, MarketBeat Ratings reports. Three research analysts have rated the stock with a hold recommendation and two have issued a buy recommendation on the company. The average 12-month price target among analysts that have updated their coverage on the stock in the last year is $42.60. Several brokerages have commented on NBTB. StockNews.com raised NBT Bancorp from a “sell” rating to a “hold” rating in a report on Wednesday, October 30th. Stephens reissued an “equal weight” rating and issued a $49.00 price target on shares of NBT Bancorp in a research note on Tuesday, September 10th. Check Out Our Latest Stock Analysis on NBTB NBT Bancorp Trading Up 2.3 % NBT Bancorp ( NASDAQ:NBTB – Get Free Report ) last posted its earnings results on Monday, October 28th. The bank reported $0.80 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $0.78 by $0.02. NBT Bancorp had a net margin of 17.37% and a return on equity of 9.36%. The company had revenue of $202.00 million during the quarter, compared to the consensus estimate of $144.70 million. During the same period in the previous year, the firm posted $0.84 earnings per share. Sell-side analysts anticipate that NBT Bancorp will post 2.91 EPS for the current year. NBT Bancorp Announces Dividend The company also recently declared a quarterly dividend, which will be paid on Monday, December 16th. Stockholders of record on Monday, December 2nd will be paid a $0.34 dividend. This represents a $1.36 dividend on an annualized basis and a dividend yield of 2.70%. The ex-dividend date is Monday, December 2nd. NBT Bancorp’s dividend payout ratio is presently 47.89%. Insider Activity at NBT Bancorp In related news, EVP Martin Randolph Sparks sold 1,000 shares of the company’s stock in a transaction dated Thursday, September 12th. The shares were sold at an average price of $48.37, for a total transaction of $48,370.00. Following the completion of the sale, the executive vice president now owns 15,003 shares of the company’s stock, valued at approximately $725,695.11. This represents a 6.25 % decrease in their position. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through the SEC website . Also, Director V Daniel Robinson II sold 20,000 shares of the business’s stock in a transaction that occurred on Wednesday, September 11th. The stock was sold at an average price of $44.10, for a total value of $882,000.00. Following the transaction, the director now owns 517,558 shares in the company, valued at approximately $22,824,307.80. This represents a 3.72 % decrease in their ownership of the stock. The disclosure for this sale can be found here . In the last ninety days, insiders sold 172,556 shares of company stock valued at $8,039,690. 3.32% of the stock is owned by insiders. Institutional Investors Weigh In On NBT Bancorp Several hedge funds and other institutional investors have recently bought and sold shares of the company. Geode Capital Management LLC grew its stake in shares of NBT Bancorp by 1.0% in the 3rd quarter. Geode Capital Management LLC now owns 1,118,410 shares of the bank’s stock valued at $49,477,000 after buying an additional 10,628 shares during the period. Barclays PLC grew its position in NBT Bancorp by 41.8% in the third quarter. Barclays PLC now owns 91,880 shares of the bank’s stock worth $4,064,000 after acquiring an additional 27,085 shares during the period. Y Intercept Hong Kong Ltd acquired a new stake in NBT Bancorp during the third quarter worth $1,278,000. HighTower Advisors LLC purchased a new stake in NBT Bancorp in the third quarter valued at $235,000. Finally, Centiva Capital LP acquired a new position in shares of NBT Bancorp in the 3rd quarter valued at $235,000. 58.46% of the stock is currently owned by institutional investors and hedge funds. About NBT Bancorp ( Get Free Report NBT Bancorp Inc, a financial holding company, provides commercial banking, retail banking, and wealth management services. Its deposit products include demand deposit, savings, negotiable order of withdrawal, money market deposit, and certificate of deposit accounts. The company's loan portfolio comprises indirect and direct consumer, home equity, mortgages, business banking loans, and commercial loans; commercial and industrial, commercial real estate, agricultural, and commercial construction loans; and residential real estate loans. See Also Receive News & Ratings for NBT Bancorp Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for NBT Bancorp and related companies with MarketBeat.com's FREE daily email newsletter .

The fierce competition in the banking sector has also led to innovative product offerings and enhanced customer service. Banks are rolling out new features and benefits for depositors, such as convenient mobile banking apps, 24/7 customer service, and exclusive perks for high-value depositors. This has raised the bar for customer expectations and forced banks to continuously improve their services to stay competitive.Personal Pension Plan to Be Fully Rolled Out, Seizing the New Opportunity of Opening Accounts and Making Contributions

Trump's lawyers rebuff DA's idea for upholding his hush money convictionThe contrast between Zelensky's outreach to Biden and Trump's past interactions with Ukraine highlights the importance of principled and substantive diplomacy in addressing complex security challenges. As Ukraine seeks to navigate a rapidly evolving security environment in Eastern Europe, constructive engagement with key allies like the United States is essential for advancing its strategic interests and ensuring regional stability.

I'm A Celeb's Barry McGuigan issues brutal six-word verdict on Dean McCulloughZelensky's actions have also underscored the importance of international support for Ukraine in its struggle against Russian aggression. The revelation of the high casualty numbers serves as a rallying cry for global solidarity and action to support Ukraine in its fight for freedom and sovereignty. The international community must not turn a blind eye to the suffering of the Ukrainian people and must stand united in condemning any attempts to diminish the gravity of the situation.As the story unfolds and more information comes to light, it is essential that we stand united in support of the victim and those working tirelessly to bring justice to those responsible for her disappearance. The road to uncovering the truth may be long and arduous, but with the determination and dedication of the authorities, we can hope for a resolution that brings closure and peace to all those affected by this harrowing ordeal.

As we look ahead, it is clear that the momentum behind the development of new productivity shows no signs of slowing down. Organizations and individuals are increasingly recognizing the importance of adapting to change, embracing innovation, and leveraging the power of technology to drive growth and success. The convergence of these "new" potentials – technological advancements, remote work trends, and the gig economy – will continue to shape the future of productivity and pave the way for new possibilities and opportunities.

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