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.


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High-interest pay day loans have proliferated lately; thus too has initiatives to regulate them


However how individuals answer such regulations continues to be mainly unknown. Drawing on both management and study facts, we take advantage of variety in payday-lending laws to analyze the consequence of pay day loan limitations on buyers credit. We discover that although this type of plans are effective at payday loans MI Muskegon reducing payday lending, buyers answer by changing to other types of high-interest credit (including, pawnshop debts) in the place of old-fashioned credit products (as an example, charge cards). These moving is present, but much less pronounced, for your lowest-income payday loan people. Our effects claim that strategies that target payday lending in separation might be inadequate at minimizing consumers’ dependence on high-interest credit.

1. Introduction

The payday-lending industry has received extensive interest and rigorous scrutiny in recent times. Payday loans-so called because a loan is usually due regarding the date associated with the borrower’s then paycheck-are usually very costly. The apr (APR) associated with this type of loans frequently reaches multiple digits. Despite their own price, payday advance loan have actually skyrocketed in recognition ever since the 1990s, with the number of pay day loan sites more than increasing between 2000 and 2004. At the time of 2010, there were extra payday loan shop in america than there have been Starbucks and McDonald’s stores matched (Skiba and Tobacman 2009).

Due to their highest rates, numerous criticize payday advances as predatory financing. Payday loan providers, critics claim, desired low-income consumers that thus eager for funds that they are willing to pay excessive interest rates. Experts also argue that the dwelling in the financing exploits people by hiding the actual price of borrowing from the bank. Those on the reverse side from the argument defend the large interest levels by aiming toward cost of financing to risky individuals and also by emphasizing the worthiness to low-income people of experiencing of entry to (actually costly) credit. Supporters of payday credit furthermore declare that limiting the means to access payday advances would simply move consumer borrowing with other much more pricey types of credit score rating, such as for example bounced checks or late costs on bills.

Concerns about payday lending need brought plan producers at both condition and federal degrees to apply considerable limitations on field. At the time of 2006, 11 states restricted or severely restricted payday lending, and by 2012 another six shows together with region of Columbia performed very. During the federal amount, the Department of Defense granted laws in 2007 forbidding payday advances to members of the military. Recently, the Consumer Financial Safety Bureau established so it also is actually deciding on following latest legislation in this region (Zibel 2015).

Despite the attention given to payday financing nowadays, the policy debate might affected by a lack of empirical investigation on some of the most basic questions regarding need for payday loans. Few data establishes assess cash advance need, and people that are generally too little in test size or too minimal in extent to resolve many of the inquiries important to rules. Furthermore, it is difficult to acquire plausibly exogenous variety in pay day loan usage-those just who utilize payday advance loan could be various in unobservable tips from those who try not to. Therefore, essential standard questions regarding payday credit continue to be unanswered.

In this paper, we try to reveal probably the most standard yet mostly unidentified questions regarding payday loans consumption and regulation: so how exactly does borrowing attitude changes when circumstances prohibits payday advances? Understanding the aftereffect of payday loan bans on borrowing actions is essential for a lot of (relevant) reasons. On a practical levels, understanding the answer to this question is vital for coverage producers thinking about whether and how to manage payday credit. If payday-lending prohibitions simply move borrowing to many other costly kinds of credit score rating, tries to cope with payday advances in isolation could be ineffective or detrimental. Second, focusing on how borrowing actions adjustment after payday-lending restrictions are applied sheds light on the character of demand for payday loans. For example, if pay day loans were substitutes for any other expensive credit options, it shows that the underlying cause of payday credit are a standard want (whether rational or otherwise not) for temporary credit score rating in place of some ability distinctive to your style or marketing of payday advance loan. Ultimately, comprehending the aftereffects of payday loan bans on a proximate outcome (specifically, borrowing behavior) sheds mild regarding the big system of research linking the means to access payday advances with other outcomes (like, fico scores and bankruptcies). Along side exact same lines, just measuring the degree that payday-lending limitations affect the level of payday lending that occurs sheds light on what is a significant unknown. People in states that forbid payday lending may borrow from storage in other states, may obtain on the web, or might find lenders happy to skirt what the law states. Comprehending the changes in payday financing of this type of restrictions is essential for assessing and interpreting the majority of the prevailing payday-lending books that connects payday loans legislation with other economic outcomes.