Perry Goode, Author at OPTO Banking

Digital Lending vs Traditional Lending: What’s Changing and Why It Matters

June 30, 2025

Finance is evolving - and with it, how we lend money and how we borrow money is also evolving. Manual, traditional lending with endless paperwork, long processing timelines, and in-person verification is slowly being replaced by digital lending platforms that are making lending easier, faster, and safer than ever before. This evolution represents more than a shift to convenience. This shift impacts availability of credit, operational efficiencies, and lender evaluations and engagement with borrowers in a way that will be different going forward. Whether you are an incumbent financial institution, a fintech aficionado, or simply someone that sees the evolution of lending, understanding the distinctions between traditional lending and digital lending will provide clarity in terms of wher...

Finance

Why Banks Are Doubling Down on Heavy Equipment Appraisals in 2025

Perry Goode

June 14, 2025

As the lending environment becomes more complex in 2025, banks are putting a renewed focus on heavy equipment appraisals to strengthen risk management, enhance portfolio oversight, and meet new regulatory standards. With interest rates fluctuating and asset-backed lending under tighter scrutiny, financial institutions can’t afford to make decisions based on outdated or vague equipment valuations. The growing volatility in construction, agriculture, mining, and logistics means the underlying assets used as collateral must be precisely understood. And that’s exactly where certified machinery and equipment appraisers come in. The Rising Role of Heavy Equipment Appraisals in Risk Management Banks have long relied on heavy equipment appraisals to determine the loan-to-value ...

Finance

Armistice AUM Growth Reflects Strategic Focus on Healthcare Innovation and Biotech Advancement

Perry Goode

January 8, 2025

Recent investment activities reveal a concentrated effort by Armistice Capital to build significant positions across specialized healthcare sectors, with particular emphasis on ophthalmology, women's health technologies, and biotechnology developments. The firm's portfolio expansion demonstrates a calculated approach to identifying promising medical innovations and therapeutic solutions. In the ophthalmic sector, Armistice Capital's strategic positioning became evident through several key transactions. A notable investment emerged in the third quarter of 2023, when the firm acquired a substantial stake in Eyenovia, securing over 3 million shares representing approximately 8.08% ownership. This investment supports Eyenovia's development of specialized ophthalmic products, including their

Business

Tax Resolution in Texas: Know the Fundamentals and Resolve Tax Issues Easily!

Perry Goode

December 19, 2024

Did you fail to honor your tax obligations in Texas? If so, resolving taxes is vital for entrepreneurs and individuals! You can quickly fix your tax liability by handling unresolved tax hassles while abiding by the tax laws in Texas. This will not only aid you in avoiding hassles and penalties linked with tax debt but also give you the best peace of mind. The tax resolution services in Canyon, TX, are designed to aid taxpayers through the burdensome task of fixing back tax issues. Taxpayers tend to demand help once they have overlooked the problem so long that the IRS has no choice other than forcibly retrieving unpaid taxes. They usually consider the tax lien on your property or a bank levy. One of the most common strategies the IRS takes to seize your assets is a bank levy, where the g

Finance

What are Mid Cap Mutual Funds?

Perry Goode

November 18, 2024

When investing in mutual funds, the options can be overwhelming. From large-cap to small-cap, there are various types of mutual funds, each with its benefits and risks. One category that often attracts investors' interest is the mid-cap mutual funds. These funds strike a balance between large-cap funds' stability and small-cap funds' growth potential, making them a popular choice for those seeking higher returns without taking on excessive risk. Let's dive deeper into what mid-cap mutual funds are, their benefits, and how they fit into different mutual fund types. What are Mid Cap Mutual Funds? Mid cap mutual funds are a type of equity mutual funds mainly investing in mid-sized companies. These companies are classified as mid-cap based on their market capitalisation, which typicall

Finance

Tax Planning Vs. Tax Management: Reduce Taxes and Bolster Financial Outcomes Effectively!

Perry Goode

August 21, 2024

How do you lower tax liabilities and boost financial outcomes in Columbia? Tax planning and tax management are the two leading strategies to ensure legal compliance and reduce taxes! Every taxpayer needs to understand that tax planning implies assessing a taxpayer’s financial condition to make strategic business decisions to lower tax liability. On the other hand, tax management is an expanded term surrounding the ongoing process of managing tax-based matters more effectively. This accounting firm in Columbia, MD, understands the importance of paying taxes on time. Therefore, they elaborate on these two terms, which can help investors make smart moves regarding their assets. Tax Planning: Overview It’s a strategic process of optimizing a person’s financial matters to bolster all the val

Finance

Selecting the CPA from Seattle in Your Company

Perry Goode

August 2, 2024

Selecting the CPA in Seattle, WA for your commercial enterprise is a big deal and may have an important impact on its unnamed financial well-being. Property accountancy covers a wide variety of services, and they can provide everything from tax planning and compliance to estate planning, business exit strategy advice as well as financial modeling with risk management. So, below is a guide to show you how you can make the right decision when choosing a CPA for your business in Seattle. Prioritize the Needs of Your Business Define the Needs: Identify your requirements for a CPA Are you looking for bookkeeping, tax preparation, financial planning, or an audit? Knowing what you are specifically looking for in a CPA will ensure that you find someone with the appropriate area of expertise. Se

Finance

Publix Check Cashing: Fees, Requirements, and Operational Hours Explained

Perry Goode

July 22, 2024

Publix, a famous store chain basically situated in the Southeastern US, offers a scope of administrations past shopping for food. One such help is check cashing, Publix check cashing services which gives a helpful answer for clients who need speedy admittance to their assets without the need to visit a bank. Fees Publix charges an ostensible expense for cashing checks, making it a reasonable choice contrasted with other check-cashing administrations. The charge is ordinarily a little level of the complete check sum. While the specific charge might differ by area, it by and large ranges from $3 to $4 per check for finance and government checks. It's prudent to contact your neighborhood Publix store to affirm the particular charge prior to going to cash your check. Requirements To cash a

Loans

Overcoming any problems: Understanding Florida Bridge Loans

Perry Goode

May 7, 2024

The bridge loan is one that sticks out in the very large field of financial terms and options. Should you be in Florida and want to apply for a bridge loan FL, this article will walk you through the requirements, benefits, and considerations. What is a bridge loan? Imagine that a bridge extends over a gap between two locations. A bridge loan essentially serves as an interface between two financial transactions. A short-term loan generates income while a longer-term plan is in the process of development. What drives bridge loans? Bridge loans serve a variety of needs, particularly in the land sector. They can help with the cost of buying another one before you sell your current home. They can also assist with rebuilding or upgrading a property to increase its value. Be aware

Finance

Three Types of Funds You Can Look at in this Red-Hot Market

Perry Goode

February 26, 2024

With capital markets exponentially scaling record highs recently, retail investors have opportunities and dilemmas regarding deploying funds at current valuations. Carefully selected mutual fund instruments like Equity Linked Savings Schemes with tax arbitrage benefits. Hybrid schemes blending equity and fixed income or broad-based Index funds closely mirroring benchmarks can lend stability. These categories carry individual merits across risk parameters, returns potential, costs and tax efficiency that adapt to both bull run upside capture and downside protection needs of investors at a time when analysts perceive markets as over-heated. Evaluating them in present contexts can empower prudent decisions. Types of Funds to Consider 1. Equity Linked Savings Scheme (ELSS) Equity Linked