Finance Debt – Goodwill Savannah GA http://goodwillsavannahga.org/ Thu, 25 Nov 2021 06:08:17 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://goodwillsavannahga.org/wp-content/uploads/2021/04/cropped-goodwill-32x32.png Finance Debt – Goodwill Savannah GA http://goodwillsavannahga.org/ 32 32 Shant Banosian Guaranteed Rate Crosses $ 2 Billion Total Loan Volume | Illinois https://goodwillsavannahga.org/shant-banosian-guaranteed-rate-crosses-2-billion-total-loan-volume-illinois/ Wed, 24 Nov 2021 17:36:40 +0000 https://goodwillsavannahga.org/shant-banosian-guaranteed-rate-crosses-2-billion-total-loan-volume-illinois/

CHICAGO, Nov. 24, 2021 / PRNewswire / – Guaranteed rate, a leader in retail mortgages and digital financial services, is proud to announce that Shant Banosian financed a total loan volume of $ 2 billion in a record year. In doing so, he becomes the first loan originator in the business to reach this milestone.

“Shant is a testament to the core values ​​on which his team lives; always learning, doing whatever it takes, caring about people and winning as a team, ”stated the president and CEO of Guaranteed Rate. Victor Ciardelli.

Banosian, the country’s leading loan issuer in 2020 according to Mortgage Executives Magazine, made securities in June when he broke his own record, funding $ 1 billion three months faster than last year.

Based in Massachusetts and licensed to originate from all 50 states, Banosian has funded an impressive total career volume of over $ 7 billion. Member of the prestigious 2021 Global 100 mortgage, he was also recognized as one of the top 5 loan originators in the United States by Scotsman Guide for six years, including two consecutive years at the top. He’s also the Best Guaranteed Rate Loan Officer and Massachusetts Top Producer since 2013.

“The big difference between this year and last year is our hyper-focus on closing quickly using our technology platform to make the customer experience even better,” said Banosian. “By putting our clients and real estate partners on the buying side in a position to win, we are able to serve more buyers in this very competitive market.”

Originally from Massachusetts, Banosian graduated from Bentley University, where he met his wife, Kara. They currently live in Belmont, Mass., With their three daughters. He actively participates in charity events throughout his community, regularly raising funds for the Greater Boston Food Bank; leading one of the top five fundraising teams in the country for St. Jude Children’s Research Hospital; and remain actively involved in the Guaranteed rate foundation, a 501 (c) (3) organization that has provided more than $ 6 million directly to more than 1,500 people in need.

About guaranteed rate companies:

Guaranteed rate companies include Guaranteed Rate, Inc., one of the top 5 retail mortgage lenders in the United States, Guaranteed Rate Affinity, LLC and Proper Rate, LLC. The Chicago-based guaranteed rate companies together funded more than $ 73 billion in 2020 and have more than 10,000 employees in more than 850 offices across the United States. Founded in 2000 and located in all 50 states and Washington, DC, the Guaranteed Rate has helped homeowners across the country with home purchase loans and refinances. The company has established itself as an industry leader by introducing innovative technology, offering low prices and providing unparalleled customer service. In 2017, the company launched Guaranteed Rate Affinity, LLC, a mortgage origination joint venture between Guaranteed Rate, Inc. and Realogy Holdings Corp. (NYSE: RLGY), a world leader in franchising and residential real estate brokerage. In 2020, the company launched Proper Rate, LLC, a mortgage origination joint venture between Guaranteed Rate, Inc. and @properties, one of the nation’s largest residential brokerage firms. Collectively, the guaranteed rate companies have won numerous honors and awards, including: Forbes Advisor’s Top 10 Mortgage Lenders for 2021; Best Mortgage Lender for Online Loans and Best Mortgage Lender for Refinancing by NerdWallet for 2021; 2018 Best Lender for Online Service by US News & World Report; HousingWire’s 2020 Tech100 Award for the company’s industry-leading FlashCloseSM technology; # 3 in The Scotsman Guide’s 2021 list of the best retail mortgage lenders; Chicago Agent Magazine’s Lender of the Year for six consecutive years; and the Chicago Tribune’s list of the best places to work for seven consecutive years. Visit rate.com for more information.

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SOURCE Guaranteed Rate

Copyright © 2021 PR Newswire Association LLC. All rights reserved.

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Form 6-K QIWI To: November 23 https://goodwillsavannahga.org/form-6-k-qiwi-to-november-23/ Tue, 23 Nov 2021 12:38:00 +0000 https://goodwillsavannahga.org/form-6-k-qiwi-to-november-23/

About QIWI plc.

For more than 20 years, we have been at the forefront of fintech innovations to facilitate and secure the digitization of payments. Our mission is to connect our customers by providing them with unique financial and technological solutions to make the impossible accessible and simple.

QIWI is one of the leading providers of advanced payment and financial services in Russia and the CIS. We offer a wide range of products under several directions: the QIWI financial and payment services ecosystem for merchants and B2C customers through digital use cases, ROWI digital structured financial products for SMEs, Flocktory services in marketing and advertising automation technologies, and several other startups.

QIWI has an integrated proprietary network that enables payment services across online, mobile and physical channels and provides access to financial services to retail customers and B2B partners. Our network allows more than 27 million customers and partners to accept and transfer RUB 148 billion in monthly cash and electronic payments. The company’s send money payment platform connects businesses and people in over 185 countries through more than 670 thousand points of service. Our customers and partners may use cash, stored value, prepaid cards and other electronic payment methods to pay for goods and services or transfer money interchangeably in virtual or physical environments, as well as using QIWI’s open API infrastructure and highly customizable. , sophisticated payment solutions to meet their professional or personal needs. Our ROWI brand provides businesses with digital factoring, bank guarantees and other financial solutions for SMEs.

For fiscal year 2020, QIWI recorded a turnover of 40.6 RUB billion and adjusted EBITDA of RUB 13.8 billion. The shares of the US custodian of QIWI are traded on the NASDAQ and the Moscow Stock Exchange (ticker: QIWI). QIWI has a Standard & Poor ?? s credit rating of BB- / B.

For more information, visit investisseur.qiwi.com.

Contact

Investor Relations

+357.25028091

ir@qiwi.com

Forward-looking statements

This press release contains ?? forward-looking statements ?? within the meaning of, and subject to the protection of, the Private Securities Litigation Reform Act of 1995, including, without limitation, statements regarding expected total net income, adjusted net income and return on net income , dividend payments, growth in payment volume, growth in physical and virtual distribution channels, trends in each of our verticals and statements regarding the development of our ROWI and Flocktory businesses, the impact of the COVID-19[female[feminine pandemic and related public health measures on our business, merchants, customers and employees, the impact of the restrictions imposed on us by the CBR on December 7, 2020, including with respect to payments to foreign merchants, the evolution of the betting industry in the Russian Federation and its regulations, and others. These forward-looking statements involve known and unknown risks, uncertainties and other factors that may cause the actual results, performance or achievements of QIWI plc. be materially different from the future results, performances or achievements expressed or implied by these forward-looking statements. Various factors that could cause actual future results and other future events to differ materially from those estimated by management include, without limitation, macroeconomic conditions in the Russian Federation and in each of the international markets in which we operate, growth in each of our verticals, competition, introduction of new products and services and their acceptance by consumers, the ability of QIWI? s ability to develop physical and virtual distribution channels, cyber attacks and security vulnerabilities in QIWI’s products and services, QIWI’s ability to expand geographically, the risk that new projects do not proceed in accordance with its expectations and other risks identified under the legend ?? Risk factors ?? in QIWI’s annual report on form 20-F and in other reports of the QIWI files with the United States Securities and Exchange Commission. QIWI assumes no obligation to revise forward-looking statements or to report future events that may affect such forward-looking statements, unless QIWI is required to do so by law.

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Digitization of villages must be followed by digital literacy: Minister https://goodwillsavannahga.org/digitization-of-villages-must-be-followed-by-digital-literacy-minister/ Sun, 21 Nov 2021 05:00:00 +0000 https://goodwillsavannahga.org/digitization-of-villages-must-be-followed-by-digital-literacy-minister/

TEMPO.CO, Jakarta – The digitization of villages must be followed by an improvement in digital literacysaid Abdul Halim Iskandar, Minister of Villages, Development of Underprivileged Regions and Transmigration.

“The development of digitally-based villages is important given the current wide penetration of the Internet,” he noted in a written statement released here on Saturday.

“Despite this, digitization still needs to be addressed with adequate digital literacy, as the use of internet-based gadgets has negative impacts,” he said.

The development of the digitization of villages is important to improve services to populations, he added.

Various village administration services would be easier to achieve through digitization, he said during the inauguration on Saturday of a digital village in the village of Air Seruk, Belitung, Bangka Belitung.

“Digital technology would not only help village governments to access information about citizens, but would also make it easier for villagers to access village (related) information such as raising village funds and using the village budget. “, explained the minister.

Related news: It is high time to digitize villages: Minister

In addition, the digitization of villages could also be used to accelerate the movement of the rural economy, he said.

Currently, Indonesian villages have many quality products, both in terms of goods and services, he said. With digitization, promoting Air Seruk Village products would be easier, he added.

“Right now, when you open the market, there are many BUMDes (village businesses) online stores that promote agricultural, craft and tourism service products. It is certainly a very exciting development,” he said. he said.

However, there are negative impacts of digitization of the village it should be managed, he said.

“Digital literacy should be a duty for the villagers so that they are not affected by the negative impacts of digitization, such as the spread of hoaxes or illegal online loans,” said the minister.

According to Belitung District Chief Sahani Saleh, Air Seruk Village is a pilot village development project in Belitung.

Read: Indonesia ranks in the middle of digital literacy survey: Kominfo ministry

ANTARA

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LendingClub Endorses Small Business Truth in US House and Senate Loan Bill | national news https://goodwillsavannahga.org/lendingclub-endorses-small-business-truth-in-us-house-and-senate-loan-bill-national-news/ Thu, 18 Nov 2021 22:08:00 +0000 https://goodwillsavannahga.org/lendingclub-endorses-small-business-truth-in-us-house-and-senate-loan-bill-national-news/

SAN FRANCISCO, November 18, 2021 / PRNewswire / – LendingClub Corporation (NYSE: LC), the parent company of LendingClub Bank, the leading digital marketplace bank in the United States, approved a bill introduced today in United States House and Senate that would extend the transparency standards of the federal Lending Truth Act to small business finance.

“Small business owners deserve transparent disclosure of the price they would pay for a loan, outright. President Velazquez and Senator Menendez stood up to support small business owners and a more transparent, accountable and potentially innovative small business lending system ”mentioned Louis Caditz-Peck, Director of Public Policy at LendingClub.

Since 1967, the Truth in Lending Act has established transparent disclosure of the prices and terms of consumer loans. But the Truth in Lending Act doesn’t apply to most small business finance, and in recent years less transparent pricing practices have emerged. Research by Accion Opportunity Fund, a LendingClub partner, found that small businesses were paying APRs of up to 358%, often without these rates being clearly disclosed to the small business borrower. Payments billed to the small businesses in the study were, on average, nearly double what the business could afford to pay.

“We look forward to working on this bill with lawmakers on both sides of the aisle to help small businesses recover economically and to encourage innovation in small business lending. LendingClub has shown that innovation may drive down prices, but it only benefits small business customers if they can easily compare the prices offered to them. The standards of truth in lending are not met in the market today. hui, and small businesses are literally paying the price, ”said Caditz-Peck.

The Small Business Loan Disclosure Act was introduced by President Velazquez and Senator Menendez and co-sponsored by the Chair of the House of Commons Financial Services Committee. Maxine Waters, Chairman of the House Subcommittee on the Protection of Consumers and Financial Institutions Ed Perlmutter, Chairman of the Senate Banking, Housing and City Commission Sherrod Brown, and Chairman of the Senate Committee on Small Business and Entrepreneurship Ben cardin. In addition, it was supported by the Coalition for Responsible Business Lending (RBLC), which LendingClub co-founded in 2015 with non-profit community development financial institutions (CDFIs), small business advocacy groups and for-profit fintech partners, including Funding Circle, Accion Opportunity Fund, Opportunity Finance Network, Small Business Majority, Community Investment Management and the Aspen Institute.

The Small Business Lending Disclosure Act is based on similar laws on small business finance transparency that LendingClub and the partners of the Responsible Business Lending Coalition pushed through with overwhelming bipartisan support in California in 2018 and new York in 2021. Similar laws have also been introduced for consideration in North Carolina, New Jersey, Maryland, and Connecticut.

LendingClub’s small business finance products include SBA and other business loans, as well as unsecured online loans offered in partnership with Accion Opportunity Fund and Funding Circle. An analysis of LendingClub’s small business lending program found five times the representation of minority-owned businesses and four times the representation of women-owned businesses, compared to conventional bank lending.

About LendingClub

LendingClub Corporation (NYSE: LC) is the parent company of LendingClub Bank, national association, FDIC member. LendingClub Bank is the leading bank in the digital marketplace in the United States, where members can access a wide range of financial products and services designed to help them pay less when they borrow and earn more when they save. Based on over 150 billion cells of data and more 68 billion dollars in lending, our AI-powered credit decision and machine learning models are used throughout the client lifecycle to expand our members’ access to credit, while generating risk-adjusted returns compelling for our loan investors. Since 2007, more than 3.8 million members have joined the Club to help them achieve their financial goals. For more information on LendingClub, visit https://www.lendingclub.com.

CONTACT:

For investors: IR@lendingclub.com

Media contact: Press@lendingclub.com

View original content to download multimedia:https://www.prnewswire.com/news-releases/lendingclub-endorses-small-business-truth-in-lending-bill-introduced-in-us-house-and-senate-301428679.html

SOURCE LendingClub Corporation

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How to prevent a flash loan attack? Tips and Warnings https://goodwillsavannahga.org/how-to-prevent-a-flash-loan-attack-tips-and-warnings/ Thu, 18 Nov 2021 06:25:20 +0000 https://goodwillsavannahga.org/how-to-prevent-a-flash-loan-attack-tips-and-warnings/

introduction

Now what can we do to prevent it? Is the first thought that came in a flash of the moment, Flash! Instant, this is what we described by analyzing the concept of flash loans, Flash loans are an easier way to get loans approved in the world of crypto trading.

This was the system introduced for those users who urgently need a loan that does not take a long period of processing and the involvement of third parties or the need to keep collateral, but as it is impossible to have all of them. the active ingredients in one pull. To securely transfer bitcoins, you can visit sites like https://bitcoins-era.io/

Therefore, you have to compromise with the other factors in order to meet your basic need, but it can cost your entire savings and profits!

What Are Flash Loan Attacks?

Flash loan attacks are serious issues that are growing like weeds in the cryptocurrency realm, being unsecured and unregulated, they open up an easier way for cyber attackers to be targeted and, for example, therefore, they can manipulate the entire crypto market.

The attacks happen all of a sudden without any prior notification and without any harm to the attacker, they are one of the major DeFi attacks that are still difficult to spot and resolve in a matter of minutes.

Now, as we know that flash loans are the online loans given under the smart contract system, you can also refer to our previous article on flash loans where you can get an overview of this term.

How Are Flash Loan Attacks Deployed?

The flash loan attacks are executed through the major loopholes in the borrowing system like zero principal, no collateral, and most of the important factors are its instant sanctioning of loans.

This is a huge relief to attackers who are waiting for such a game-changing opportunity to execute their plans. Now let’s see what are some real-time examples of flash loan attacks that have occurred over the past few years:

Real examples of Flash loan attacks

  1. PancakeBunny Flash Loan Attack

PancakeBunny is a yield farming aggregator that works on the binance smart chain network, it also introduced the system of flash loans which were self-automated and unregulated.

However, an anonymous attacker borrowed $ 45 million on May 19 and then used that amount to mine other cryptocurrencies.

Crushing the values ​​of the Bunny tokens with them, which ultimately causes the value to drop by about 96%, from $ 220 to $ 10 per day.

What Are The Factors Of Flash Loan Attacks?

There are many instances of flash loan attacks on the internet resulting in a drop in the value of native coins of many popular crypto platforms. What are now the factors that contribute to such attacks:

  • Flash loan attacks involve low risk of penalties and sanctions.
  • Flash loan attacks can easily be executed through any platform.
  • Fewer resources are required for the execution of such attacks.
  • No strict security and protection of these online platforms.

How To Prevent Flash Loan Attacks?

Flash loan attacks cannot be limited, but surely they can be minimized if we follow some simple rules and investment strategies keeping an eye out for all the gadgets that have been detected in the functioning of the system, such as:

  • Using a decentralized Oracle network like Chainlink to get price data.
  • Flash loans should be processed using two blocks, so it is possible to prevent the direct approach of attackers.
  • One can use some flash loan detection software like Flash Loan Advocates etc.
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Online lender Well Home Loans takes variable mortgage rates to new lows https://goodwillsavannahga.org/online-lender-well-home-loans-takes-variable-mortgage-rates-to-new-lows/ Tue, 16 Nov 2021 21:02:12 +0000 https://goodwillsavannahga.org/online-lender-well-home-loans-takes-variable-mortgage-rates-to-new-lows/

Well Home Loans took pole position as the mortgage lender with the lowest variable mortgage rate (80% LVR) tracked in the Mozo database after a rate cut last Friday.

The online lender has reduced the variable interest rate on its well-balanced home loan by 14 basis points which is available to new homeowner clients with a loan-to-value ratio (LVR) of 80% or less.

The reduction means the new rate is now only 1.85% pa (comparison rate 1.88% pa *) – the lowest currently in our database at the 80% LVR level.

Well Home Loans has also reduced the variable rate on its Equity Plus home loan for mortgage holders with accumulated equity of 5bp, meaning homeowners with an LVR of 60% and below can now access a rate. of 1.82% pa (comparison 1.85% pa rate *) with the loan.

Here’s how the Well-Balanced Rate compares to some of the other lower variable rates in the Mozo database.

Lowest Variable Rates (Homeowner, <80% LVR) - Mozo Database, November 16, 2021

The changes to Well Home Loans come amid a series of variable rate cuts over the past few weeks, which will no doubt be good news for borrowers considering a new home loan or for existing borrowers seeking to refinance.

In the past week alone, ANZ, Bendigo Bank, HSBC and ING have all lowered variable rates on a number of their home loans, further intensifying the rivalry in an already fiercely competitive space.

For context, at the time of writing this article, 12 lenders tracked in our database offer at least one home loan with an overall rate starting with a “1”.

RELATED: Several lenders offer $ 3,000 cash back to refinance your home loan

Interested in taking a closer look at some of the low rate mortgages currently offered by Well Home Loans? Check out the two mini reviews below.

Well-balanced home loans
  • Variable rates as low as 1.85% pa (comparison rate 1.88% pa *)
  • Compensation account
  • Make additional refunds (free)

With five 2021 Mozo Experts Choice Awards ^ to its name, the Well Balanced has certainly impressed our judges this year, and with competitive variable pricing and a stack of useful features, it’s not hard to see why. Available to both homeowners and investors, the loan offers variable rates as low as 1.85% per annum (comparison rate of 1.88% pa *) for homeowners with an LVR of 80% or less. It also comes with a clearing account, an online withdrawal feature, and the ability for borrowers to make additional repayments for their loan. While there are no ongoing service fees to worry about, there are one-time ($ 250), legal ($ 385), settlement ($ 150), and discharge ($ 300) fees to be paid. consider.

Well Home Loans – Equity Plus
  • 1.82% pa variable interest rate (1.85% pa comparison rate *)
  • Additional refunds and withdrawals available
  • Counterpart account included

Are you looking to make the most of the equity you’ve already built up? Well, Home Loans Equity Plus Loan might be worth a closer look as it is designed for borrowers with lower loan to value ratio. Qualifying homeowners with an LVR of 60% or less will be able to take advantage of a variable interest rate of just 1.82% per annum (comparison rate of 1.85% per annum *), and they will be able to profit to the maximum features like additional refunds, draws, and even a matching account. As with the well-balanced loan, there are a few one-time fees to weigh, including application ($ 250), legal ($ 385), settlement ($ 150), and discharge ($ 300) fees, but there are no fees. There are also no ongoing service charges.

Want to see how these two mortgages stack up against even more deals? Start today by comparing a range of loans in one place on our variable rate home loans platform.

* CAUTION: This comparison rate only applies to the example (s) given. Different amounts and conditions will result in different compare rates. Costs such as redemption or prepayment charges, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is that of a guaranteed loan with monthly repayment of principal and interest of $ 150,000 over 25 years.

** The initial monthly repayment figures are only estimates, based on the advertised rate, loan amount and term entered. The rates, fees and charges and therefore the total cost of the loan can vary depending on the amount of your loan, the length of the loan and your credit history. Actual repayments will depend on your personal circumstances and changes in interest rates.

^ See information on the Mozo Experts Choice Home Loan Awards

Mozo provides general product information. We do not consider your personal goals, your financial situation or your needs, and we do not recommend any specific product to you. You should make your own decision after reading the PDS or offering literature, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we do not cover all products on the market. If you decide to request a product through our website, you will be dealing directly with the supplier of that product and not with Mozo.

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FirstFT: White House fights inflationary threat https://goodwillsavannahga.org/firstft-white-house-fights-inflationary-threat/ Thu, 11 Nov 2021 11:17:37 +0000 https://goodwillsavannahga.org/firstft-white-house-fights-inflationary-threat/

Hello. This article is an on-site version of our FirstFT newsletter. Subscribe to our Asia, Europe / Africa Where Americas edit to send it straight to your inbox every morning of the week

Joe Biden’s administration is rushing to curb inflation after official figures released yesterday showed consumer prices rose at their fastest pace in October in three decades.

The consumer price index jumped to 6.2 percent from the previous year, from 5.4 percent in September. The push has been increased costs for energy as well as shelter, food, used cars and trucks, and new vehicles.

The energy index rose 4.8% from September, while the gasoline index rose 6.1%. On an annual basis, these sectors are up 30% and 50%, respectively.

Speaking during a visit to Baltimore yesterday afternoon, Biden acknowledged that the price hike was a concern for American households. “Everything from a gallon of gasoline to a loaf of bread costs more,” he said.

Rising prices threaten to undermine the U.S. economic recovery, undermine the president’s spending plans and doom the Democratic Party in next year’s midterm elections.

The Federal Reserve may also be forced to tighten monetary policy faster than expected. The central bank has already announced the end of its $ 120 billion per month asset purchase program at a pace that indicates the stimulus will cease completely by June. Economists and market participants are increasingly of the opinion that the Fed will raise interest rates shortly thereafter.

US government debt sold sharply yesterday after the inflation report was released, particularly short-term debt which is more sensitive to interest rate expectations.

Thanks for reading FirstFT Americas. Here’s the rest of today’s news – Gordon

1. Elon Musk dumps nearly $ 5 billion in Tesla shares Elon Musk sold nearly $ 5 billion worth of his Tesla shares in the first three days of this week. The sale was estimated to be around 3% of its total stake in the electric car maker and was a response to a Twitter poll result.

2. Wall Street Banks Reap GE Fees General Electric has paid more than $ 7 billion in investment bank fees since 2000, as Wall Street lenders reaped the rewards of a frenzied period of negotiations that resulted in the stock price falling and the dissolution of the most famous American conglomerate.

3. Rivian roars before the stock market listing The Amazon-backed electric vehicle maker, which has yet to record significant revenue, jumped on its Nasdaq debut. The shares closed 30% above the initial public offering price, giving it a market value of $ 88 billion, higher than traditional automakers General Motors and Ford.

4. McKinsey partner accused of insider trading U.S. prosecutors have charged a partner in consulting firm McKinsey with alleged insider trading fraud before Goldman Sachs acquired $ 2.2 billion from online loan provider GreenSky.

5. Afghans risk losing aid International aid agencies have warned that there are only a few weeks left to deliver food and other life-saving aid to the mountainous provinces before winter sets in, cutting off remote areas as Afghanistan does. in the face of one of the world’s worst humanitarian crises.

Summary of COP26

  • UN climate negotiators rush to agree on rules for a global carbon market, the so-called “Article 6”.

  • The we and China makes a rare and unexpected commitment to cooperate on the “existential” climate crisis.

  • Are companies’ net zero plans credible? Big companies were in the mood to congratulate themselves at COP26 in Glasgow, but critics say voluntary greening measures taken by companies have not been enough and are too vague.

  • The climate change economics represented “the largest reallocation of capital since the industrial revolution,” said economist Nicholas Stern.

The day to come

Singles Day in China China’s largest online shopping festival kicks off today. But the vertigo of Alibaba’s annual sales passed out this year, as Jack Ma’s e-commerce group focuses on social well-being to please the Beijing authorities. (SCMP, Nikkei Asia)

Iran negotiator in London Ali Bagheri Kani, Iranian deputy foreign minister and main nuclear deal negotiator, is heading to London ahead of talks in Vienna at the end of the month.

EU growth update The European Commission is today releasing its autumn economic forecast for gross domestic product, inflation, employment and public finances. Find out more about the EU economy in our Europe Express newsletter.

American Veterans Day Today is a public holiday in the United States to honor military veterans, people who have served in the armed forces of the United States. President Joe Biden will participate in a wreath laying service and address at Arlington National Cemetery.

What else do we read

GE may be breaking up, but conglomerates will survive The obituary of the conglomerate has been written over and over and somehow still survives, argues Brooke Masters.

Can the Vatican reform its finances? In this film, the FT investigates the finances of the Holy See and examines how historic proceedings related to a controversial London real estate deal are seen as part of Pope Francis’ reforms in the city-state.

A story of aristocratic resilience Arcane, hereditary, all male – and at the heart of British democracy. How is it that in the 21st century a small band of blue-blooded peers continue to cling to power in the House of Lords? George Parker explores the modern face of secular British aristocracy.

‘Nein Danke’ Switzerland has the lowest Covid-19 vaccination rate in Western Europe: 33.6% of the country’s population has not received a first dose, as resistance to the bites overlaps with anti-establishment policy and populist in rich German-speaking Europe.

Iran’s social divisions exposed to airport departures Iran’s growing social divisions are played out at Tehran International Airport, where pilgrims to the Iraqi holy city of Karbala stand side by side with tourists leaving for beach vacations in Antalya, on the coast. Mediterranean of Turkey, writes Najmeh Bozorgmehr.

Thanks to the readers who responded to our survey yesterday. Twenty-one percent said local Covid restrictions were still too tight.

Books

What’s your favorite book of 2021? The FT wants readers’ recommendations for the best reads of the year. The answers will be published as part of our Books of the Year series, in which FT writers and reviewers choose their favorites from the past 12 months.

Thanks for reading and don’t forget that you can add FirstFT to myFT. Send your recommendations and comments to firstft@ft.com

Britain after Brexit – Keep up to date with the latest developments as the UK economy adjusts to life outside the EU. Register now here

The coming week – Start each week with an overview of what’s on the agenda. Register now here

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Online Loan Market Size and Outlook 2028 | Best Companies – Upstart, Funding Circle, Prosper, CircleBack Lending, Peerform, Lending Club, Zopa, Daric, Pave, Mintos, https://goodwillsavannahga.org/online-loan-market-size-and-outlook-2028-best-companies-upstart-funding-circle-prosper-circleback-lending-peerform-lending-club-zopa-daric-pave-mintos/ Tue, 09 Nov 2021 23:52:20 +0000 https://goodwillsavannahga.org/online-loan-market-size-and-outlook-2028-best-companies-upstart-funding-circle-prosper-circleback-lending-peerform-lending-club-zopa-daric-pave-mintos/

New Jersey, United States, – A recent market research report added to the repository of verified market reports is an in-depth analysis of the Online loan market. Based on the analysis of historical growth and current scenario of the online lending market, the report intends to offer actionable information about the growth projections of the global market. The authenticated data presented in the report is based on the results of extensive primary and secondary research. The insights drawn from the data are excellent tools that facilitate a more in-depth understanding of the multiple aspects of the online lending market. It also helps users in their development strategy.

This report examines all the key factors influencing the growth of the online loan market including supply and demand scenario, price structure, profit margins, production, and value chain analysis. The regional assessment of the online loan market opens up a plethora of untapped opportunities in regional and national markets. Detailed Company Profiling allows users to assess analysis of company stocks, emerging product lines, scope of new markets, pricing strategies, opportunities for innovation and more.

Get | Download a sample copy with table of contents, graphics and list of figures @ https://www.verifiedmarketreports.com/download-sample/?rid=82343

The report covers an in-depth analysis of the major market players in the market, along with their business overview, expansion plans, and strategies. The major players studied in the report include:

• Come
• Fundraising circle
• Thrive
• CircleBack loan
• Peerform
• Loan club
• Zopa
• Daric
• Cobblestone
• Mints
• Lendix
• RateSetter
• Canstar
• Fair

Current state of trust analysis tools such as Porter’s five forces analysis and SWOT analysis are used in the report to assess online loan market data in order to deploy a view of the market. whole market. Moreover, this report gives a comprehensive examination of the scale and scope of the market globally. A detailed overview of the buying criteria and difficulties encountered in the Online Loans business line is also elaborated in this report.

Segmentation of the online loan market

By Product Type, the market is primarily split into:

• On the site
• Cloud-based

By application, this report covers the following segments:

• People
• Companies

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Scope of Online Loans Market Report

ATTRIBUTES DETAILS
ESTIMATED YEAR 2021
YEAR OF REFERENCE 2020
PLANNED YEAR 2028
HISTORICAL YEAR 2019
UNITY Value (million USD / billion)
COVERED SEGMENTS Types, applications, end users, etc.
COVER OF THE REPORT Revenue forecast, company ranking, competitive landscape, growth factors and trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
CUSTOMIZATION SCOPE Free customization of the report (equivalent to 4 working days for analysts) with purchase. Add or change the scope of country, region and segment.

Geographic segment covered in the report:

The Online Loans report provides information about the market area, which is further subdivided into sub-regions and countries / regions. In addition to the market share in each country and sub-region, this chapter of this report also contains information on profit opportunities. This chapter of the report mentions the market share and growth rate of each region, country and sub-region during the estimated period.

• North America (United States and Canada)
• Europe (UK, Germany, France and rest of Europe)
• Asia-Pacific (China, Japan, India and the rest of the Asia-Pacific region)
• Latin America (Brazil, Mexico and the rest of Latin America)
• Middle East and Africa (GCC and rest of Middle East and Africa)

Key questions answered in the report:

• What is the growth potential of the online loan market?
• Which product segment will take the lion’s share?
• Which regional market will emerge as a pioneer in the years to come?
• Which application segment will experience strong growth?
• What growth opportunities might arise in the online lending industry in the years to come?
• What are the most important challenges that the online loan market could face in the future?
• Who are the leading companies in the online loan market?
• What are the main trends that positively impact the growth of the market?
• What growth strategies are players considering to stay in the online lending market?

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Spanish police arrest crooks who scammed victims over 1.5 million euros https://goodwillsavannahga.org/spanish-police-arrest-crooks-who-scammed-victims-over-1-5-million-euros/ Sun, 07 Nov 2021 17:52:33 +0000 https://goodwillsavannahga.org/spanish-police-arrest-crooks-who-scammed-victims-over-1-5-million-euros/

Spain’s National Police have dismantled a criminal gang that scammed nearly 1.5 million euros from hundreds of people online.

A total of 45 people have been arrested for defrauding 200 people in Spain in 23 regions, including Alicante, Barcelona, ​​Las Palmas, Madrid and Valencia.

The leaders of the organization operated from Benin and used people as “mules”, whom they allegedly threatened with death.

The organization created fraudulent websites offering computer, electronic and telephone products at extremely low prices. A total of 20 bogus web pages have been detected and closed by the Spanish police.

Payments were made by wire transfer to the accounts of the “mules” and the bank details and personal information of the victims were stored by the gang.

The crooks would then contact the victims and tell them that in order to get their money back, they had to open several bank accounts, apply for credit cards and mail them to different PO boxes in the Republic of Benin.

Once the cards arrived in Africa, large sums of money would be deposited into the victims’ new bank accounts, which would be withdrawn from ATMs in Benin.

The gang also defrauded money by posing as French financiers and advertising bogus loans online where they said victims had to deposit money into an account before getting a ready.

In addition, the organization asked the victims to get a new credit card and send it to Benin, where it was again withdrawn from ATMs.

Almost 1.5 million euros were swindled from unsuspecting victims during the “elaborate fraud process”.

The criminal organization has been found to have strong ties to other European countries such as Germany, Austria, France and Poland, where Europol and Interpol are investigating similar fraudulent web pages.

Additional checks are underway in the Republic of Benin to identify gang leaders.

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Information armament in China https://goodwillsavannahga.org/information-armament-in-china/ Fri, 05 Nov 2021 19:44:22 +0000 https://goodwillsavannahga.org/information-armament-in-china/

By Colonel R Hariharan

In the biggest cleanup since Covid-19 was brought under control, China recently launched a multi-pronged regulatory crackdown on a wide range of industries, raising many uncertainties. It can be interpreted as the Chinese Communist Party (CCP) in President Xi Jinping’s way of reminding tech giants and other big companies calling the shots.

According to Chinese observer and author Deter Tiff Roberts: “Beijing intends to tighten control over private companies and foreign investment,” reserving stocks in critical sectors like semiconductors for home use and in strengthening the role of public enterprises. More importantly, regulators also appear concerned that the younger population is moving away from the “patriotic path” under the influence of online media controlled by foreigners.

President Xi Jinping defined the rules of conduct for the use of cyberspace for the computerization process in February 2014, in his speech to the Central Group of Cybersecurity and Informatization (CCSIG). He said: “The Internet is not a place outside the law. Using the Internet to promote the overthrow of state power, incite religious extremism, promote national separatism, incite violent terrorist activities, etc., such behavior must be resolutely stopped and repressed, and must not be allowed to prevail.

He added that using the internet to carry out fraudulent activities, distribute pornographic material, carry out personal attacks, peddle illegal articles, etc. must be “firmly controlled” and must not be allowed to prevail. This would indicate that the militarization of information has always been on the CCP’s agenda.

At the same meeting, Jinping called basic Internet technology “our greatest hidden danger because basic technology is restricted by others.” He compared any internet business that is heavily dependent on foreign countries to core components that are heavily dependent on foreign countries where the lifeline of the supply chain is in the hands of others. He said it was like building a house on someone else’s wall, no matter how small and how beautiful. It may not be able to withstand wind and rain, and may even be vulnerable. He said that “if we want to seize the initiative in the development of the Internet in our country and ensure Internet security and national security, we must solve the basic technological problem and strive to achieve an” overtaking curve “in certain fields and aspects”.

A few days ago, Yahoo Inc. pulled out of China, citing an increasingly difficult operating environment. In a statement, the internet service provider said, “Given the increasingly difficult business and legal environment in China, Yahoo’s suite of services will no longer be accessible from mainland China as of November 1. Yahoo’s withdrawal is largely symbolic as China’s digital censorship has already blocked many of its services.

The entertainment industry in China has been urged to avoid artists with “incorrect political positions”, to strictly enforce pay caps for actors, and to cultivate a “patriotic atmosphere” for the industry. It’s part of the state’s effort to crush celebrity fan culture. Already, the sale of merchandise to fans has been banned.

Gaming companies have also faced the wrath of regulators who have placed restrictions on the time players under 18 can spend online gaming on weekends and holidays to reduce gambling addiction. .

China has already started to toughen the rules for big IT companies. Last year he put a last minute halt to the planned IPO of Ant Group, a giant internet finance company in New York City. Now, it frames rules to ban Internet companies, whose data presents potential risks of listing outside the country.

Cloud computing also faces uncertainties as China builds its own state-backed cloud system that is likely to challenge tech giants like Alibaba, Huawei and Tencent Holdings. The state is also seeking to strengthen oversight of algorithms that tech companies, including e-commerce companies and social media platforms, use to target users. China’s Cyberspace Administration has said that companies should adhere to business ethics and principles of fairness, and should implement algorithm models that do not entice users to spend large sums.

The Chinese government has also introduced regulations prohibiting private tutoring companies from raising capital abroad. The rules state that tutoring centers must register as non-profit businesses. From now on, they will no longer offer subjects taught in public schools; the holding of classes on weekends and on public holidays is prohibited. China has a very competitive education system like India; this has made tutoring services popular with parents.

The banking industry has issued regulations to tighten oversight of online lending by finance companies. China’s Cyberspace Administration has asked Didi Chuxing, the world’s largest ridesharing company, to stop accepting new users after it went public on the New York Stock Exchange last June. Already, financial regulators have put a damper on the cryptocurrency industry, banning banks and online payment companies from using cryptocurrency. Provincial governments have also banned the use of cryptocurrency. The government is also addressing the issue of the property management sector to improve order. Efforts to curb endemic borrowing in the real estate sector are in place; ceilings have been imposed on loans from developers and mortgage loans by banks.

In this turbulent environment, we can expect China to strengthen its control over the media, both at home and abroad. In March, a report from the Foreign Correspondents’ Club of China (FCCC) said China had used coronavirus prevention measures, intimidation and visa restrictions to limit foreign reporting in 2020, ushering in a “rapid decline freedom of the media ”. The annual report of the FCCC indicates in the 150 responses received for the third year in a row that no journalist has said that working conditions have improved. The report said: “All the weapons of state power, including surveillance systems introduced to fight the coronavirus, have been used to harass and intimidate journalists, their Chinese colleagues and those the foreign press has sought. to interview.

BBC Beijing correspondent John Sudworth reported that in addition to the heavy restrictions it places on foreign journalists trying to report the truth about its regions in the far west of Xinjiang, China has used the new tactic. calling the independent coverage “fake news”. He had reported their own experience of intimidation by unidentified people as they traveled along the roads of the Xinjiang desert. They forced them to leave a town by chasing them from restaurants and shops, ordering the owners not to serve them. Their report of thousands of Uyghurs and other minorities forced to pick cotton based on China’s own political documents has been called “fake news” by the media run by the Communist Party of China.

On the other hand, the results of a global survey conducted by the International Federation of Journalists (IFJ) among its affiliated unions showed that China had used the Covid-19 pandemic to strengthen its image in global media coverage. More than half of the countries polled in 2020 said coverage of China in their national media has been more positive since the start of the pandemic. The Chinese were probably taking a more interventionist approach to local media coverage of China.

The report also said that more than 80% of countries were concerned about disinformation in their national media, although only a third of them said China was responsible for it.

The report says that when the pandemic started to spread, China activated the existing media infrastructure it had put in place around the world to seek positive stories about China in domestic media and used new tactics. , such as misinformation. This is not surprising, because over the past two decades, China has reshaped the global environment to expand the reach of its own share of state-run news outlets, alongside its growing global reach.

According to the IFJ, China seems to have increased its own supply of national and international information tailored to each country in non-English speaking languages. This is important as the international media was struggling to survive due to the negative fallout from the Covid-19 pandemic on the economy.

We can expect China’s media strategy to be fully implemented in domestic and international media, making it difficult to separate real from fake news as it has turned the media into a weapon. The latest example is the Financial Times report that China tested a nuclear-capable hypersonic missile last August. He said the weapon “circled the globe before heading for its target.” However, China denied the report and said it was an experimental spacecraft, not a weapon.

The Financial Times report cited “five people familiar with the test” as saying that the rocket carrying the hypersonic glider vehicle flying into low space orbit missed the target by “about two dozen miles.” The report said the test showed China had made “amazing progress” and wondered why the United States often underestimates China’s military modernization. Whether or not China actually performed the hypersonic missile test, the report has compounded global paranoia over China’s capabilities because the hypersonic missile can penetrate the missile shield.

—The writer is a retired South Asian military intelligence specialist associated with the Chennai Center for China Studies

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