Dave von Fintel

Filmmaker/Photographer specializing in Aerial Cinematography


  • Filmmaker specializing in Aerial Cinematography2014 - Present

    Kansas City, MO

    I'm taking my creative skills to new heights - piloting a UAV to produce dramatic aerial video/photo solutions as well as producing & editing conventional video for a variety of industries.

  • Freelance Creative Director2012 - 2014


  • Web Development Director2004 - 2012

    Rockhurst University

  • Creative Director1999 - 2004

    Rockhurst University

  • Art Director1998 - 1999

    Rockhurst University

  • Graphic Designer1997 - 1998

    GB Design


  • Bachelor of Fine Arts (BFA), Graphic Design1991 - 1996

    University of Missouri

  • Graphic Design, Photography & Video Production1995 - 1996

    University of Tasmania School of Art, Australia


  • “Dave has exceptional skills as a designer and web developer. As his supervisor for several years, I found him to be a joy to work with, and a great team player. He is a problem-solver who finds a solution to every challenge. I would not hesitate to hire him again.”

    Rosita McCoy, Senior VP - KU Endowment Association

  • “I’ve had the pleasure of working with Dave on many projects. He’s always able to bring a fresh perspective to every job. His positive personality and openness to trying new things, makes working with him a very fun & collaborative event.”

    Mark McDonald, Owner - Mark McDonald Photography

  • “I worked with Dave for several years while employed at gb Design. Dave and I collaborated on a variety of design projects and I always found him to be easy to work with and valued the ideas and professionalism he brought to the table. Since that time, my agency has had the pleasure to work with Dave and his team at Rockhurst as a vendor providing online development solutions and consulting to Rockhurst University. Dave continues to provide impressive direction and management skills to the projects we have conducted with him and his team.”

    Ryan Lorei, Owner - Voltage Creative

  • “In the seven years Dave and I worked together, I watched him consistently come up with effective, creative solutions for various print, web and video projects. He stays on top of design trends and web standards, and everything he touches looks refined and professional. He has exceptional talent and lots of ideas, which made him a valuable member of our team.”

    Jamie Swearingen, UX Copywriter - Garmin International

  • “I have hired Dave may times for his expert graphic design services, and have also brought him in as a consultant on several high profile web design and development projects. Dave's ability to listen to my client's needs, and his ability to translate their ideas into reality are second to none.”

    Matt Couch, Real Estate Analyst - Hopkins Appraisal Services


  • • CASE (Council for Advancement and Support of Education): Silver Award
- '09, Excellence in Multimedia: Single Web Page (Ready for Rockhurst) 
- Bronze - '02, Rockhurst University Alumni Magazine 
- Silver - '01, Rockhurst University Alumni Magazine
 - Gold - '00, Rockhurst University Alumni Magazine Cover 
- Silver - '00, Rockhurst University Campus Banners 
• Web Marketing Association's Web Awards Judge - '08 
• JAA (Jesuit Advancement Administrators): '06 - Award of Merit: Multimedia, Admission Pages 
• Internet Advertising Competition '05 - Best Education Integrated Ad Campaign - Rockhurst Website 
• Center for Digital Education: '05 Best of the Web 2nd place, Rockhurst University 
• Web Marketing Association: '05 Best Education Internet Advertising Award, Rockhurst University 
• American Association of Webmasters: '04 Silver Award, Rockhurst University 
• Mead Papers: Certificate of Excellence in the Graphic Arts - Rockhurst University, 1999 Annual Report

Visit Instagram/davevonfintel for frequently updated shots. Some of my work features footage that may be purchased as stock video or photo.


Let's Connect

3. The rules of payday advance loan and Other High-Interest Credit services and products

Preferably, we would tackle this research with every from the consequence variables inside our review. This is exactly possible making use of the factors for traditional credit goods need, since CCP data began in 2006, 24 months ahead of the very first state plan modifications. Unfortunately, there can be just one trend of CPS information prior to the county policy variations we give consideration to here; thus, we cannot utilize those data to determine preperiod fashions from inside the AFS credit score rating items factors. We supplement the investigations by comparing macroeconomic trends one of the two categories of claims.

The outcomes is delivered in Figures 2 and 3. In numbers, procedures and controls ways are weighted by population. The therapy class includes customers residing in among the jurisdictions that changed regulations on payday advances during the window, while regulation shows are the ones categorized of course permissive or always restrictive in Figure 1. Dashed straight lines indicate the time variety for which these strategies comprise applied. Figure 2A plots the small fraction of people holding any credit debt, the most prevalent style of standard credit card debt in our information, and Figure 2B plots the fraction keeping mastercard, shopping credit, or buyers fund mortgage personal debt. While buyers in control reports include a little more likely to hold traditional credit card debt as opposed to those in treatment claims, the styles in credit score rating utilize can be comparable. We additionally discover comparable activities across cures and controls shows in unemployment costs (Figure 3A) and condition money per capita (Figure 3B). Figure 2.

6.2.2. The Effect of Cash Advance Bans on Pay Day Loan Utilize

As an initial step-in the investigations, we calculate just how stricter cash advance rules impact payday loans utilization in the states wherein the legislation tend to be enacted. Although one would expect the consequence getting negative, news states as well as other authors remember that conformity using regulations may be imperfect and that buyers can still have the ability to obtain on line. In addition, understanding the magnitude with the improvement in pay day loan use is essential for assessing and interpreting different outcome (both those reported right here and elsewhere) concerning the aftereffect of accessibility pay day loans on various other outcome actions.

Table 6 presents the outcome for the research examining the effect of the regulations on cash advance usage. 19 Column 1 provides a bare-bones requirements with handles for period of time and whether the individual’s condition prohibits the use of payday advance loan. Making use of these minimal settings, the model reveals that payday loan application is actually 2.4 amount things reduced reports that exclude payday advances. Column 2 includes area set consequence, together with estimation diminishes somewhat. The difference-in-differences model in column 3 contains say set impact rather than region solved effects. 2 portion things. Column 4 adds individual-level demographic qualities to the unit, together with size of the bar coefficient lowers slightly. At long last, because pay day loan need may be correlated with all the business routine, you should get a handle on for local fiscal conditions. 20 Column 5 (the best requirements) contributes handles for condition unemployment and private income per capita and condition inhabitants; with one of these additional settings, the calculated aftereffect of the ban are a 2.8-percentage-point decrease in cash advance utilize, an 88 percent decrease through the consumption degrees in shows where financing tend to be legal. Across standards, our design indicates a large lowering of pay day loan practices following adoption of limiting condition guidelines. 21

Within this papers, we take advantage of two current improvements to learn this concern. The first is the available choices of an innovative new facts ready: the Federal Deposit insurance policies agency’s (FDIC’s) National research of Unbanked and Underbanked Households, a product to the Current people research (CPS). The survey is actually big and nationwide consultant possesses more information about buyers’ credit actions. We increase this research with data on standard credit score rating items consumption from government Reserve financial of the latest York and Equifax. Next, several reports bring forbidden the employment of payday advances in recent years. Through a simple difference-in-differences style, we take advantage of this plan difference to learn the effect of changes in consumers’ entry to pay day loans between reports over the years.

This model estimates a decrease in pay day loan utilization of 3

Pawnshop financial loans will also be small-dollar brief debts, but unlike payday advance loan, pawnshop financing tend to be protected by actual guarantee. A client offers the loan provider with real individual house, including electronic devices or jewelry, plus return get a cash loan based on the property value the equity. The dimensions of the pawnshop financing is usually best a fraction of the examined value of the security, which means that the loan is more than completely secured. 3 Because a pawnshop borrower is not needed to demonstrate possession of a bank account or an everyday income source, these debts are more accessible to a wider society than payday advances.

The empirical literary works regarding link between accessibility payday advances and financial wellbeing comes to combined conclusions. Many reports find evidence that accessibility pay day loans improves economic effects. For instance, Zinman (2010) locates evidence of degeneration for the financial health of Oregonians following county limited payday lending. In the same way, Morse (2011) implies that folks are less likely to shed their homes to foreclosure if they have entry to payday advance loan.

Our very own papers creates with this literature by attracting on a nationwide representative facts put that also includes information regarding numerous kinds of borrowing actions which will plausibly make a difference substitutes to take pay day loans. In particular, the facts catch AFS credit score rating practices on specific amount, even though the loans become got from several lenders. Besides, as defined in area 5, a good element with the CPS data is they have informative data on buyers’ reasons for making use of AFS credit score rating services and products, which helps create a nuanced look at the methods by which cash advance guidelines profile buyers’ credit actions.

Unlike many other information units regularly report models of borrowing conduct, the CPS asks participants not simply about using AFS but additionally about their reasons behind using these forms of credit score rating. Members who reported using payday loans in earlier times season had been expected why they decided to use these debts without a traditional mortgage. An equivalent question payday loans Frederick Maryland is expected of pawnshop customers. In addition to that, clientele just who reported making use of any AFS credit items previously year are asked about the objective of the borrowed funds.

One method to investigate this matter is through checking out preperiod developments inside the two categories of says. If we observe that demand for AFS borrowing in prior years increases or decreases in the treatment states relative to the control states, it might suggest that the changes in policy are confounded by secular trends in AFS usage. Although we can not directly evaluate the parallel-trends assumption which our difference-in-differences layout relies, observing crucial differences in the pretreatment developments might suggest that the developments differed when you look at the treatment cycle at the same time.