Finance – Ardud http://ardud.ro/ Sat, 18 Sep 2021 10:15:13 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://ardud.ro/wp-content/uploads/2021/05/default1-150x150.png Finance – Ardud http://ardud.ro/ 32 32 Why Doesn’t Gravity Happen Instantly? https://ardud.ro/why-doesnt-gravity-happen-instantly/ https://ardud.ro/why-doesnt-gravity-happen-instantly/#respond Fri, 14 May 2021 07:11:55 +0000 https://ardud.ro/?p=585 Two black holes, each with accretion disks, are illustrated here just before they collide. The … [+] inspiral and merger of binary black holes provided humanity with our first direct measurement of gravitational waves, and with it, our first direct measurement of the speed of gravity. It isn’t instantaneous. Mark Myers, ARC Centre of Excellence […]]]>

When you look at the Sun, the light you’re seeing isn’t the light that’s being emitted right now. Instead, you’re seeing light that’s a little more than eight minutes old, since the Sun is some 150 million kilometers (93 million miles) away, and light — although it’s fast — can only travel through the Universe at a specific speed: the speed of light. But what about gravitation? Everything on Earth experiences the Sun’s gravitational pull, but is the gravity that the Earth experiences as it orbits the Sun coming from the Sun right now, at this very instant? Or, just like light, are we experiencing gravitation from some time ago? It’s a fascinating question to ponder, with Paul Roland writing in to ask about,

“the relationship of gravitational wave speed to that of light… At first I saw no connection, since gravity derives from mass and is a totally separate effect versus electromagnetics. One might assume [this] would cause gravitational effects to be slower than light [in terms of] propagation time.”

We all have our intuitive thoughts for how we expect things to behave, but only experiments and observations can provide the answer. Gravity isn’t instant, and turns out to propagate at exactly the speed of light. Here’s how we know.

Our story starts with the speed of light. The first person to try to measure it, at least according to legend, was Galileo. He set up an experiment at night, where two people would each be atop adjacent mountain peaks, each one equipped with a lantern. One of them would unveil their lantern, and when the other saw it, they would unveil their own lantern, allowing the first person to measure how much time elapsed. Unfortunately for Galileo, the results appeared instantaneous, limited only by the speed of a human’s reaction.

The key advance didn’t come until 1676, when Ole Rømer had the brilliant idea to observe Jupiter’s innermost large moon, Io, as it passed behind Jupiter and re-emerged from the giant planet’s shadow. Because light has to travel from the Sun to Io, and then from Io back to our eyes, there ought to be a delay from when Io leaves Jupiter’s shadow, geometrically, until we can observe it here on Earth. Although Rømer’s conclusions were off by about 30% from the actual value, this was the first measurement of the speed of light, and the first robust demonstration that light traveled at a finite speed after all.

Rømer’s work influenced a number of important scientists of his day, including Christiaan Huygens and Isaac Newton, who came up with the first scientific descriptions of light. About a decade after Rømer, however, Newton turned his attention to gravitation, and all ideas about a finite speed for gravity went out the window. Instead, according to Newton, every massive object in the Universe exerted an attractive force on every other massive object in the Universe, and that interaction was instantaneous.

The strength of the gravitational force is always proportional to each of the masses multiplied together, and inversely proportional to the square of the distance between them. Move twice as far away from one another, and the gravitational force becomes just one-quarter as strong. And if you ask which direction the gravitational force points in, it’s always along a straight line connecting those two masses. That’s the way Newton formulated his law of universal gravitation, where the mathematical orbits he derived matched up precisely with the way the planets moved through space.

Of course, we already knew how to describe the way that planets orbited the Sun: Kepler’s laws of planetary motion were many decades old by time Newton came along. What he did that was so remarkable was to put forth a theory of gravity: a mathematical framework that obeyed rules from which all of Kepler’s laws (and many other rules) could be derived. So long as, at every moment in time, the force on any planet always points directly towards where the Sun is at that exact moment, you get the planetary orbits to match up with what we observe.

What Newton also realized was this: if you make the gravitational force point towards where the Sun was a certain amount of time ago — such as ~8 minutes ago from the perspective of planet Earth — the planetary orbits you get are all wrong. In order for Newton’s conception of gravity to have a chance at working, the gravitational force needs to be instantaneous. If gravitation is slow, even if “slow” means that it moves at the speed of light, Newton’s gravity doesn’t work, after all.

For hundreds of years, Newton’s gravity was able to solve every mechanical problem that nature (and humans) threw at it. When Uranus’s orbit appeared to violate Kepler’s laws, it was a tantalizing clue that perhaps Newton was wrong, but it wasn’t to be. Instead, there was an additional mass out there in the form of the planet Neptune. Once its position and mass became known, that puzzle went away.

But Newton’s successes wouldn’t last forever. The first real clue came with the discovery of Special Relativity, and the notion that space and time aren’t absolute quantities, but rather how we observe them depends very intricately on our motion and location. In particular, the faster you move through space, the slower clocks appear to run and the shorter distances appear to be. As Fitzgerald and Lorentz, working before Einstein, described it, distances contract and time dilates the closer you move to the speed of light. Unstable particles are observed to survive for longer if they move at high speeds. Space and time cannot be absolute, but must be relative for each unique observer.

If that’s true, and different observers moving with different velocities and/or at different locations can’t agree on things like distances and times, then how could Newton’s conception of gravity be correct? It seems that all of these things can’t be true simultaneously; something must be inconsistent here.

One way to think about it is to consider an absurd but useful puzzle: imagine that, somehow, some omnipotent being were able to instantaneously remove the Sun from our Universe. What would we expect would happen to the Earth?

As far as the light goes, we know that it would continue to arrive for another 8 minutes or so, and the Sun would only appear to go disappear once that light stops reaching us. The other planets would only go dark once the sunlight stopped reaching them, reflecting off of them, and ceased arriving at our eyes. But what about gravitation? Would that cease instantly? Would all of the planets, asteroids, comets, and Kuiper belt objects simply fly off in a straight line all at once? Or would they all continue orbiting for a time, continuing their gravitational dance in blissful ignorance until the effect of gravity finally hit them?

The problem, according to Einstein, is that Newton’s entire picture must be flawed. Gravity isn’t best viewed as a straight-line, instantaneous force connecting any two points in the Universe. Instead, Einstein put forth a picture where space-and-time are woven together in what he visualized as an inseparable fabric, and that not only masses, but all forms of matter and energy, deformed that fabric. Instead of the planets orbiting because of an invisible force, they simply move along the curved path determined by the curved, distorted fabric of spacetime.

This conception of gravity leads to a radically different set of equations from Newton’s, and instead predicts that gravity not only propagates at a finite speed, but that speed — the speed of gravity — must be exactly equal to the speed of light. If you were to suddenly “wink” the Sun out of existence, that spacetime fabric would “snap” back to flat the same way a rock falling into a pool of water would cause the water’s surface to snap back. It would come to equilibrium, but the changes in the surface would come in ripples or waves, and they would only propagate at a finite speed: the speed of light.

For many years, we’ve had indirect tests of the speed of gravity, but nothing that measured these ripples directly. We measured how the orbits of two pulsing neutron stars changed as they orbited one another, determining that energy was radiating away at a finite speed: the speed of light, to within a 99.8% accuracy. Just as Jupiter’s shadow obscures light, Jupiter’s gravity can bend a background light source, and a 2002 coincidence lined up Earth, Jupiter, and a distant quasar. The gravitational bending of the quasar light due to Jupiter gave us another independent measurement of gravity’s speed: it’s again the speed of light, but comes with a ~20% error.

All of this began to change dramatically about 5 years ago, when the first advanced gravitational wave detectors saw their first signals. As the first gravitational waves traveled across the Universe from merging black holes, a journey of more than a billion light-years for our first detection, they arrived at our (then) two gravitational wave detectors just milliseconds apart, a small but significant difference. Because they’re at different points on Earth, we’d expect a slightly different arrival time if gravity propagated at a finite speed, but no difference if it were instantaneous. For every gravitational wave event, the speed of light is consistent with the observed arrival times of the waves.

But in 2017, something spectacular happened that blew all our other constraints — both direct and indirect ones — away. From ~130 million light-years away, a gravitational wave signal began to arrive. It started out with a small but detectable amplitude, then increased in power while getting faster in frequency, corresponding to two low-mass objects, neutron stars, inspiraling and merging. After only a few seconds, the gravitational wave signal spiked, and then ceased, signaling the merger was complete. And then, no more than 2 seconds later, the first sign of light arrived: a gamma-ray burst.

It took some 130 million years for both the gravitational waves and the light from this event to travel through the Universe, and they arrived at the exact same time: to within 2 seconds. That means, at most, if the speed of light and the speed of gravity are different, then they’re different by no more than about 1 part in a quadrillion (1015), or that those two speeds are 99.9999999999999% identical. In many ways, it’s the most accurate measurement of a cosmic speed ever made. Gravity really does travel at a finite speed, and that speed is identical to the speed of light.

From a modern point of view, this makes sense, as any massless form of radiation — whether particle or wave — must travel at exactly the speed of light. What started off as an assumption based on the need for self-consistency in our theories has now been directly confirmed observationally. Newton’s original conception of gravitation doesn’t hold up, as gravity isn’t an instantaneous force after all. Instead, the results agree with Einstein: gravitation propagates at a finite speed, and the speed of gravity is exactly equal to the speed of light.

We at last know what would happen if you could somehow make the Sun disappear: the last light from the Sun would continue traveling away from it at the speed of light, and it would only go dark when the light stopped arriving. Similarly, gravity would behave in the same fashion, with the Sun’s gravitational effects continuing to influence the planets, asteroids, and all the other objects in the galaxy until its gravitational signal no longer arrived. Mercury would fly off in a straight line first, followed by all the other masses in order. The light would stop arriving at exactly the same time the gravitational effects did. As we only now know for certain, gravity and light really do travel at exactly the same speeds.


Send in your Ask Ethan questions to startswithabang at gmail dot com!

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15 applications de messagerie instantanée les plus populaires https://ardud.ro/15-applications-de-messagerie-instantanee-les-plus-populaires/ https://ardud.ro/15-applications-de-messagerie-instantanee-les-plus-populaires/#respond Fri, 14 May 2021 07:10:38 +0000 https://ardud.ro/?p=573 Dans cet article, nous allons lister les 15 applications de messagerie instantanée les plus populaires. Cliquez pour avancer et passer à la 5 applications de messagerie instantanée les plus populaires. Je suis sûr que beaucoup de personnes qui lisent cet article se souviennent de l’époque de MSN Messenger, qui était la première application de messagerie […]]]>

Dans cet article, nous allons lister les 15 applications de messagerie instantanée les plus populaires. Cliquez pour avancer et passer à la 5 applications de messagerie instantanée les plus populaires. Je suis sûr que beaucoup de personnes qui lisent cet article se souviennent de l’époque de MSN Messenger, qui était la première application de messagerie instantanée populaire utilisée dans le monde. Le service de messagerie a été créé en 1999 et, pendant la décennie suivante, a été de loin le meilleur moyen de communication pour tout le monde. J’avais 12 ans quand j’ai commencé à l’utiliser, et je me souviens des noms d’utilisateur soigneusement créés auxquels nous grincons tous maintenant, mais à quel point c’était amusant de rentrer de l’école et d’être plus tard en contact les uns avec les autres via Messenger. Bien sûr, tout cela était avant l’avènement des téléphones mobiles et en particulier des téléphones mobiles intelligents. Et même lorsque les téléphones ont été inventés, du moins dans mon pays, les forfaits SMS et appels étaient assez chers à cause de quoi nous avons préféré MSN Messenger, qui est devenu plus tard Messenger Live.

Je suis sûr que beaucoup d’entre vous se souviennent également de vous être déconnecté, puis de vous avoir réintégré, juste pour envoyer une notification à votre liste de discussion et attirer l’attention de personnes spécifiques. La plupart d’entre nous se souviennent de ces moments avec une profonde nostalgie parce qu’ils étaient aussi simples que possible. Le service a finalement pris fin en 2013, et a atteint un sommet en 2009, alors qu’il y avait 330 millions d’utilisateurs actifs, soit plus que la population des États-Unis. La concurrence la plus proche que les services avaient à l’époque était Yahoo! Messenger, exploité par Yahoo! et était très populaire aussi, mais n’existe plus non plus.

La différence entre cette époque et maintenant est le développement de la technologie dans la mesure où elle est devenue assez bon marché. Alors qu’à l’époque, même les téléphones portables de base étaient assez chers, la plupart des téléphones intelligents sont désormais assez bon marché, au point que 2,7 milliards de personnes utilisent des smartphones à travers le monde.C’est pourquoi les applications sont désormais devenues la plus grande chose plutôt que les services de messagerie de bureau. De nouvelles applications ont été développées au cours de la dernière décennie, ce qui donne un aspect pittoresque au numéro d’utilisation de MSN. Imaginez 2 milliards de personnes utilisant la même messagerie instantanée. Les chiffres sont absolument ahurissants, nous montrant l’utilisation généralisée des services de messagerie instantanée, car les gens peuvent instantanément se connecter avec leurs amis et leur famille, alors même que le monde se mondialise. Vivant dans un pays en développement, il était assez rare que des personnes déménagent à l’étranger au cours des décennies précédentes, mais maintenant, beaucoup plus de personnes déménagent qu’auparavant et rester en contact avec elles ou en contact avec elles n’a jamais été aussi facile. C’est peut-être la principale raison pour laquelle les applications de messagerie instantanée les plus populaires sont un tel succès, en raison de la croissance du marché. Mais bien sûr, il ne s’agit pas seulement de rester en contact avec ceux qui n’habitent pas à proximité. Il est beaucoup plus facile d’utiliser un service gratuit pour envoyer un SMS, un appel ou un appel vidéo à une personne et la partie gratuite est la raison pour laquelle ces choses sont si incroyablement populaires.

15 applications de messagerie instantanée les plus populaires

Michaelpuche / Shutterstock.com

Les chances sont extrêmement élevées que la plupart des personnes lisant cet article aient également un compte sur WhatsApp. J’en ai un depuis environ 8 à 9 ans et presque tout le monde que je connais, vieux ou jeune, y participe également. L’application a obtenu une popularité massive et a été acquise par Facebook en 2014, en raison de la popularité susmentionnée et de la base d’utilisateurs massive. Cependant, la société a récemment été dans l’eau chaude en révélant une nouvelle politique de confidentialité, qui a suscité une énorme controverse. La politique de confidentialité a été annoncée en décembre 2020 et les gens ont été informés que s’ils ne l’acceptaient pas avant le 8 février, ils perdraient l’accès à WhatsApp. La politique de confidentialité a également autorisé WhatsApp à partager plus d’informations avec Facebook, ce qui a suscité le mépris et la condamnation de tout le monde. Cela a même conduit à Elon Musk, fondateur de Tesla (NASDAQ: TSLA) et Space X, et la deuxième personne la plus riche du monde à l’heure actuelle, à tweeter son soutien à l’abandon de WhatsApp et à Signal, qui serait plus sûr en termes de données et de confidentialité. Cela a bien sûr conduit des millions d’abonnés à changer leurs services et à investir dans Signal, augmentant ainsi son stock de 6350% en seulement trois jours. Malheureusement, et ceci est une accusation de la façon dont les gens suivent sans cervelle leurs célébrités préférées sans même vérifier les faits de base au préalable, ce n’était pas la bonne entreprise, car l’application de messagerie réelle Signal appartient à une organisation à but non lucratif et n’a même pas d’actions. faire du commerce.

Cependant, dans une démonstration du pouvoir des gens, cette fois dans le bon sens, l’indignation absolue qui s’est produite à propos de cette nouvelle politique de confidentialité a conduit WhatsApp à être en retrait, à commencer par son plus grand marché qui est l’Inde. L’Inde compte 340 millions d’utilisateurs de WhatsApp et pour s’assurer que le nombre ne plonge pas, WhatsApp a publié des publicités en taille réelle dans les principaux journaux du pays pour calmer les utilisateurs et contrer les rumeurs qui se propageaient comme une traînée de poudre. Cependant, cette stratégie a eu un succès limité et la plupart des gens étaient toujours sur la clôture, ce qui a finalement conduit WhatsApp à retarder sa politique maintenant jusqu’en mai et à confirmer que les personnes qui n’accepteraient pas la nouvelle politique avant le 8 février ne verraient pas leurs comptes supprimés. . Ce qui va se passer maintenant reste à voir, mais le fait qu’une société aussi importante ait été obligée de faire un trackback montre que si elle est unie, les gens peuvent réaliser des choses incroyables. Malheureusement, trop souvent, cet outrage se concentre uniquement sur une perte de commodité.

WhatsApp n’est pas la seule application de messagerie instantanée qui compte de nombreux utilisateurs. Il y en a plusieurs autres avec des centaines de millions d’utilisateurs et sont au top depuis de nombreuses années. Pour déterminer notre liste, nous avons d’abord examiné la recherche effectuée par Data Reportal, qui présente des statistiques pour les applications de médias sociaux les plus utilisées. Là où les chiffres n’étaient pas mentionnés dans les statistiques du rapport de données, nous avons recherché séparément leurs utilisateurs mensuels actifs et avons finalisé notre liste. Alors, sans plus tarder, jetons un coup d’œil aux applications qui sont plus que susceptibles d’être sur votre téléphone en ce moment, en commençant par le numéro 15:

15. Discorde

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 6,7

Discord a été créé il y a 6 ans en 2015 et a été développé par Discord Inc. Bien qu’il compte 6,7 millions d’utilisateurs actifs par mois, il compte plus de 250 millions d’utilisateurs au total, et vous pouvez être sûr que ces chiffres augmenteront encore dans un proche avenir.

J'arrête

J’arrête

Pixabay / domaine public

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 12

Slack a vu le jour il y a 7 ans en 2013 et a été extrêmement populaire depuis, et bien qu’il soit plus populaire pour les forums de discussion, il propose également une messagerie directe.

Conseiller financier

Conseiller financier

Pixabay / domaine public

13. Signal

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 20

Signal est l’application vers laquelle Elon Musk encourage ses abonnés à basculer, qui s’est ensuite écrasée en raison du grand nombre de personnes qui y ont basculé, bien qu’elle soit à nouveau opérationnelle.

13 vraies bonnes excuses d'urgence pour la famille pour se retirer du travail de dernière minute

13 vraies bonnes excuses d’urgence pour la famille pour se retirer du travail de dernière minute

TunedIn par Westend61 / Shutterstock.com

12. Tango

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 48,5

Tango a été développé en Californie et serait l’une des applications de messagerie les plus faciles à utiliser, avec plus de 400 millions d’utilisateurs.

Meilleures lignes d'ouverture de Tinder pour les gars

Meilleures lignes d’ouverture de Tinder pour les gars

Stuart Jenner / Shutterstock.com

11. KakaoTalk

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 51,7

KakaoTalk est une application de messagerie sud-coréenne et près de 93% des utilisateurs de smartphones dans le pays l’ont, où c’est de loin l’application de ce type la plus populaire.

Funny Bumble Bios pour les femmes

Funny Bumble Bios pour les femmes

pathdoc / Shutterstock.com

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 84

LINE a été développé par Line Corporation, filiale japonaise d’une société sud-coréenne Never Corporation. Il a été publié en 2011 et a gagné en popularité massivement depuis.

Funny Bumble Bios pour les femmes

Funny Bumble Bios pour les femmes

mimagephotography / Shutterstock.com

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 115

Microsoft Teams est la dernière application de messagerie instantanée et d’appel dévoilée par Microsoft en remplacement de Skype, vous pouvez donc vous attendre à ce que les chiffres augmentent considérablement au cours des prochaines années.

Meilleurs biographies Tinder pour les grands gars

Meilleurs biographies Tinder pour les grands gars

Joey Chung / Shutterstock.com

8. Viber

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 260

Viber a été créé par la société japonaise Rakuten et était une alternative à Skype lors de son lancement et, en 2018, comptait plus d’un milliard d’utilisateurs à travers le monde.

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app, apple, l’arrière-plan, blog, chat, ordinateur, appareil, discussion, affichage, éditorial, amis, gadget, main, attente, illustrative, information, interface, internet, iphone, médias, message, messager, mobile, réseau, en ligne, organisateur, pad, pda, gens, phablet, téléphone, écran, envoyer, smartphone, sms, social, tablette, technologie, téléphone, toucher, toucher, pavé tactile, viber, voix, voip, wifi, femme

Droits d’auteur: prykhodov / 123RF Banque d’images

7. Skype

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 300

Skype a été le premier service d’appel vidéo gratuit mondialement populaire et accessible qui a été créé par Microsoft et qui en compte plus de 300 millions par mois. Cependant, le battage médiatique derrière Skype a diminué maintenant que vous pouvez passer des appels vidéo via Instagram, Facebook et WhatsApp, et les nouveaux venus comme Zoom ont également pris des parts de marché.

Écran de connexion Skype 6.0

Écran de connexion Skype 6.0

6. Télégramme

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 400

Telegram est une autre application que beaucoup de gens vantent pour remplacer WhatsApp et l’application, qui compte 400 millions d’utilisateurs actifs, accueillerait certainement les numéros ajoutés.

Veuillez continuer à voir le 5 applications de messagerie instantanée les plus populaires.

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Divulgation: Aucune position. 15 applications de messagerie instantanée les plus populaires est initialement publié chez Insider Monkey.

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Hilarious Moment Father Photobombs Daughter’s Video Presentation For Teacher https://ardud.ro/hilarious-moment-father-photobombs-daughters-video-presentation-for-teacher/ https://ardud.ro/hilarious-moment-father-photobombs-daughters-video-presentation-for-teacher/#respond Mon, 19 Apr 2021 02:38:45 +0000 https://ardud.ro/hilarious-moment-father-photobombs-daughters-video-presentation-for-teacher/ Top marks for dancing daddy! Hilarious Moment Father Photobombs Daughter’s Video Presentation For Teacher Delaney Jones filmed the classroom presentation from her kitchen in Beaverton, Oregon His dad walked into the clip and started dancing on Uptown Funk with his siblings The girl’s mother later found out that the video had been uploaded to the […]]]>

Top marks for dancing daddy! Hilarious Moment Father Photobombs Daughter’s Video Presentation For Teacher

  • Delaney Jones filmed the classroom presentation from her kitchen in Beaverton, Oregon
  • His dad walked into the clip and started dancing on Uptown Funk with his siblings
  • The girl’s mother later found out that the video had been uploaded to the virtual school portal










A hilarious dad photobombed his daughter’s video presentation for his teacher with impressive dance moves in footage that has since gone viral.

In the video, little Delaney says “so today we’re going to DIY” as she sets up the camera in her kitchen in Beaverton, Oregon.

She then asks her Amazon Alexa to play Kidz Bop’s Uptown Funk as she begins the tutorial, dabbing and pouring glitter glue onto a sheet of paper.

Unbeknownst to her, Isaac, Delaney’s father, had entered the kitchen while she worked, dancing furiously on the floor in the background of the shot.

However, after a particularly loud move, Delaney tells those watching “it’s just my dad” before diligently continuing with the presentation for her first-grade teacher.

As she works on a presentation, Delaney’s dad, Isaac Jones (pictured) walks into the room behind her and starts dancing furiously to Kidz Bop’s Uptown Funk in Beaverton, Oregon

Moments later, as the student pours glittery pink glue on her work, her father picks up her younger brother Teddy to join in the impromptu dance.

Her older brother Hunter also begins singing with Uptown Funk, prompting Delaney to ask, “What’s wrong with this family?”

“He’s my brother,” she continues as he approaches the shot, before laughing out loud when her father holds his younger brother in front of the camera to the beat of the music.

The girl goes on to explain that she provided the presentation to “spread some Christmas cheer” because she doesn’t know when she will see her teachers next time.

After a particularly loud move, Delaney tells those watching

After a particularly loud movement, Delaney tells those watching “it’s just my dad” before diligently continuing the presentation for his first-grade teacher.

Moments later, as the student pours glittery pink glue on her work, her dad picks up her younger brother Teddy to join in the impromptu dance.

Moments later, as the student pours glittery pink glue on her work, her dad picks up her younger brother Teddy to join in the impromptu dance.

The video ends as Delaney runs away to catch “sparks, which my dad hates”, and his brother returns to the video.

Her mother Jennifer Jones discovered the video while viewing her daughter’s online school portal later that day.

She said on Facebook: “I was checking out Delaney’s seesaw [the app she uses for school] and she will often send random videos to her teachers to say goodnight, or just talk to talk.

“Well… I found that as a video sent earlier today. I hope his teacher laughed as hard as I did … ‘

Pictured: Delaney Jones

Pictured: Delaney and Jennifer Jones

Her mother Jennifer Jones (right with Delaney) discovered the video while checking the portal to her daughter’s virtual school later in the day

Pictured: Isaac and Jennifer Jones with their three children Delaney, Hunter and Teddy

Pictured: Isaac and Jennifer Jones with their three children Delaney, Hunter and Teddy

She later added: ‘Dad thought she was just doing a “tutorial” like she usually does. He didn’t know that she uploaded it to Seesaw and sent it to her first grade teacher! ‘

The video has since been viewed over 10 million times, prompting Ms Jones to say: ‘I can speak for all of us here in Jones House saying how thrilled and blessed we are to have a reaction too. strong to our video.

“As a mother and wife, I am deeply touched by the messages and reactions I have received from so many of you.

“My plan was to share a part of my world with some of my closest friends, and in doing so, it became bigger than I could have imagined.

‘Thank you for sharing your stories with me and your messages of joy! I promise you I have read all of them!

The video has garnered thousands of comments since it was posted to social media on November 18, with one user saying, “Omg LOL! “What’s wrong with this family?” She says. Haha I love it! ‘

Another added: “Isn’t that exactly how everyone works from home?”

“It’s amazing the way they all start to dance and she keeps moving on, blessed,” said a third.

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NCUA retains Chicago Credit Union https://ardud.ro/ncua-retains-chicago-credit-union/ https://ardud.ro/ncua-retains-chicago-credit-union/#respond Mon, 19 Apr 2021 02:38:44 +0000 https://ardud.ro/ncua-retains-chicago-credit-union/ Caisse populaire kept in Chicago, Illinois. On Wednesday, the NCUA placed the federal credit union Beverly Bus Garage ($ 4 million in assets, 1,300 members) under trusteeship, citing unsafe and unhealthy practices by the Southside Chicago credit union. Credit union call reports show net income halved to $ 27.1 million for the 12 months ending […]]]>
Caisse populaire kept in Chicago, Illinois.

On Wednesday, the NCUA placed the federal credit union Beverly Bus Garage ($ 4 million in assets, 1,300 members) under trusteeship, citing unsafe and unhealthy practices by the Southside Chicago credit union.

Credit union call reports show net income halved to $ 27.1 million for the 12 months ending Dec.31, but the ROA was still 0.68%, down from 1, 68% a year earlier. The US average was 0.78% last year.

Otherwise, his reports show he was incredibly healthy, which could be an indication that something was, well, amazing.

For one thing, the credit union has had a 41% to 44% equity ratio since at least the fourth quarter of 2015. The US average is 11%.

On the other hand, 41% of its loans were in the “All other unsecured” category and 22% in the “All other non-real estate secured” category.

But most notable of all, the credit union’s total loan balance as of December 31, 2017 consisted of 778 loans with a combined value of $ 3,506,764, which equates to its loan issuance in numbers and dollars. .

“While continuing normal services to members, the NCUA will endeavor to resolve issues affecting the operations of the credit union,” NCUA said in a press release.

Beverly Bus Garage FCU serves Chicago Transit Authority employees at the Beverly Bus Garage in Chicago, credit union employees, and their immediate family members.

The credit union has only had one full-time employee since at least December 2015, it had five part-time employees as of December 2017.

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Wall Street talks about Nasdaq 6,000 as stock market rallies after French election https://ardud.ro/wall-street-talks-about-nasdaq-6000-as-stock-market-rallies-after-french-election/ https://ardud.ro/wall-street-talks-about-nasdaq-6000-as-stock-market-rallies-after-french-election/#respond Mon, 19 Apr 2021 02:38:42 +0000 https://ardud.ro/wall-street-talks-about-nasdaq-6000-as-stock-market-rallies-after-french-election/ Wall Street stocks were winning again on Monday, following Sunday’s first-round French presidential election results that allayed one of investors’ worst fears, giving the market a chance to take another step forward by the US stock market: Nasdaq 6,000. The Nasdaq COMP Composite Index, + 0.13% has been stable despite waning enthusiasm for equities as […]]]>

Wall Street stocks were winning again on Monday, following Sunday’s first-round French presidential election results that allayed one of investors’ worst fears, giving the market a chance to take another step forward by the US stock market: Nasdaq 6,000.

The Nasdaq COMP Composite Index,
+ 0.13%
has been stable despite waning enthusiasm for equities as investors paused after the so-called Trump rally, fueled by hopes of the president’s tax cuts, infrastructure spending and deregulation Donald Trump.

Now, as the Dow Jones Industrial Average DJIA,
-0.18%
and the S&P 500 SPX index,
-0.16%
gathered after a strong performance by centrist Emmanuel Macron in the French presidential election, avoiding fears of a one-on-one between Eurosceptic candidates, far-right politician Marine Le Pen and far-left Jean-Luc Melenchon, the Nasdaq is trading at a record high and is seriously considering crossing the 6,000 mark in the near term.

To verify:4 things investors need to know about the second round of the presidential election in France

“The Nasdaq has not seen a new major high, that is, a breakthrough of a large round number, since 2000,” said Brad McMillan, chief investment officer at Commonwealth Financial Network, in February when the Nasdaq was flirting. with these high levels.

How important is the Nasdaq 6,000? Maybe not at all, but the Street loves symbolic levels.

“We tend to be drawn to the big, round numbers,” said Michael Antonelli, trader at RW Baird & Co. of the 6,000-level attempt, said MarketWatch in February.

While many on Wall Street are concerned about high valuations in light of the lack of specificity of Trump’s legislative agenda, including tax cuts, infrastructure spending and deregulation, some continue to argue for new increases in equities, especially since corporate earnings are showing better than expected. and some degree of risk decreases.

Read:Trump’s tax reform could reignite the dying embers of stock market recovery

Is it different this time?

The last time the Nasdaq did a somersault was in the late 1990s and early 2000s, during the infamous dot-com bubble. This period of tech companies bustling with questionable business models, illustrated by Pets.com, did not end well for investors. In fact, Wall Street took 15 years to recover, with the index not returning to the 5,000 level until March 2015.

But is it different this time? Ryan Detrick, senior market strategist at LPL Financial, says the Nasdaq is more diversified, with fewer volatile tech stocks and perhaps more stable. “Tech stocks don’t represent the Nasdaq as much as they once did. Incredibly, technology today represents less than half of the Nasdaq. This could be a positive sign, as this influential group doesn’t see the kind of love it made 18 years ago, and the Nasdaq isn’t that heavy in a group, ”he wrote. in a February research note (see table below):

We are just getting started

Looking at the Dow Jones JUSTC Technology Index,
+ 0.08%,
Another popular indicator of the tech sector’s performance, Detrick argues that technology, which has only recently shown a recovery, has more pent-up potential. This is a similar argument made for the banking sector, which had been in the doldrums since the 2008-2009 financial crisis brought the sector to its knees. In other words, although we have seen a healthy move for the sector, it can still go higher as it is comparatively not as rich as similar moves in other sectors, and it has more energy. latent to take it to new heights. Admittedly, the rally in the banking sector since November has run out of steam, but banking stocks were among the 11 sectors in the S&P 500 that rose sharply on Monday.

The chart below attempts to show that a longer trend around a base or lower, the sharper its upward movement or breakout:

McMillan of the Commonwealth added that the market may still be able to reach higher highs. “With valuations high, but still well below the peak of the tech bubble, there may well be enough room to get there as earnings and sentiment improve,” he said, adding. reference to corporate earnings and investor sentiment.

Charlie Bilello, director of research at investment adviser Pension Partners, also pointed out on Monday that the technology sector has also hit a record high in total return, as measured by exchange-traded fund Technology Select Sector SPDR ETF XLK ,
+ 0.06%,
that follows the tech industry.

Granted, general concerns about boiling valuations and fears that geopolitical or domestic issues could push markets back down remain persistent. But the strangely low level of the CBOE VIX volatility index,
-0.64%,
sometimes known as the fear gauge, implies that investors are not too scary.

Takeaway for investors: But of course, the complacency of the markets means that savvy investors need to be careful while keeping an eye on the records.

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Midwestern storm expected to bring more than a foot of snow https://ardud.ro/midwestern-storm-expected-to-bring-more-than-a-foot-of-snow/ https://ardud.ro/midwestern-storm-expected-to-bring-more-than-a-foot-of-snow/#respond Mon, 19 Apr 2021 02:38:41 +0000 https://ardud.ro/midwestern-storm-expected-to-bring-more-than-a-foot-of-snow/ OMAHA, Neb. (AP) – A major winter storm is expected to cover much of central the country with snow on Monday and disrupt travel as more than a foot of snow falls in some areas. Midwestern snowfall was expected to extend from central Kansas in the northeast to Chicago and southern Michigan throughout the day, […]]]>

OMAHA, Neb. (AP) – A major winter storm is expected to cover much of central the country with snow on Monday and disrupt travel as more than a foot of snow falls in some areas.

Midwestern snowfall was expected to extend from central Kansas in the northeast to Chicago and southern Michigan throughout the day, with some of the heaviest snow expected to fall in the southeast. Nebraska and western Iowa. Much of the rest of the area will receive at least 4 inches (10.2 centimeters) of snow.

National Weather Service meteorologist Taylor Nicolaisen said 10 to 15 inches (25.4 to 38.1 centimeters) of snow is likely between Lincoln, Nebraska and Des Moines, Iowa, and it has been 15 to 20 years since the most of this area received more than a foot. snow from a single storm.

“It’s historic snow,” said Nicolaisen, who is based near Omaha, Nebraska. “It’s been a long time since we’ve seen someone fall a foot of snow in a single storm. And we are very confident that some people will see a foot of snow.

Authorities are urging people not to use the roads during the storm, especially when the heaviest snow is expected in the afternoon and evening. The condition of the roads will deteriorate throughout Monday. Nebraska State Patrol Soldiers helped more than two dozen drivers who got stranded or slipped off the road Monday morning.

“Don’t travel unless absolutely necessary,” said Nebraska State Patrol Col. John Bolduc.

Several coronavirus testing sites in Nebraska closed on Monday due to snow.

Elsewhere in the United States, a storm moving to the southwest on Monday and Tuesday will bring gusts of wind and snowfall, the weather service said. Over the weekend, more than a foot of snow fell in the mountains of Southern California before what was to be a stronger storm.

Authorities on Sunday urged drivers to bring their tire chains to the San Gabriel and San Bernardino mountains east of Los Angeles after 10 inches of snow fell in Mount Baldy and up to 18 inches (45.7 centimeters) were recorded at Mountain High Ski Resort in Wrightwood.

This was a dramatic change from a week ago, when parts of the Southern California area saw temperatures soar until the 90s. On Sunday, highs were in the years 50.

In southern Nevada, light rain and snow at higher elevations were reported on Monday.

Forecasters from the National Weather Service’s office in the Sacramento area predict an abundance of snow in the Sierra Nevada between Tuesday evening and Friday, which could make it difficult to travel in the mountains.

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What Student Loans Borrowers Should Know About Automated Calls Ranger student loan https://ardud.ro/what-student-loans-borrowers-should-know-about-automated-calls-ranger-student-loan/ https://ardud.ro/what-student-loans-borrowers-should-know-about-automated-calls-ranger-student-loan/#respond Mon, 19 Apr 2021 02:38:40 +0000 https://ardud.ro/what-student-loans-borrowers-should-know-about-automated-calls-ranger-student-loan/ For student loan borrowers, sometimes unwanted robocalls can be more than just a nuisance. In fact, many are scams that are downright harassing and prey on borrowers who are already in trouble. RELATED CONTENT If you have a phone, chances are you’ve had at least a few robocalls, which are pre-recorded or dialed automatically. Navigating […]]]>

For student loan borrowers, sometimes unwanted robocalls can be more than just a nuisance. In fact, many are scams that are downright harassing and prey on borrowers who are already in trouble.

RELATED CONTENT

If you have a phone, chances are you’ve had at least a few robocalls, which are pre-recorded or dialed automatically. Navigating these calls can be tricky, as they are used by both legitimate entities and malicious actors trying to impersonate them.

Automated calls can be used for something, and they are useful when used correctly. Businesses, schools, and nonprofits sometimes use automatic dialers or pre-recorded messages to reach people more effectively with important messages.

For example, if your flight was canceled or your college was opening with a delayed schedule due to bad weather, you would want to know and maybe appreciate an automated call. If you have student loans, you might appreciate a reminder if you forgot to make a payment and need to update your account to avoid the serious consequences of default or default. .

At the same time, robocalls have also been used to harass debtors with repetitive phone calls that annoy or abuse. These types of calls are increasingly used by crooks as the internet can be used to locate and contact many people inexpensively and efficiently.

Automated calls about alleged debt reduction, including scams aimed at reducing or eliminating student loan debt, are among the fraud complaints reported in high numbers to the Federal Trade Commission each year. In fiscal 2020, which includes months in which much of the United States was shut down or slowed down due to the coronavirus pandemic, the FTC still received 2.8 million robocall complaints. .

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5, 7, 8 10, 12, 15 or 20 years old

Here’s what student loan borrowers need to know to protect themselves from robocalls.

Understand your rights

The Telephone Consumer Protection Act, passed by the US Congress in 1991, aims to protect consumer privacy and reduce the number of telemarketing and automated calls. The federal government recently updated the TCPA to further reduce these types of invasive calls.

In general, the TCPA allows the use of automatically dialed calls and text messages to mobile phones if the consumer agrees to receive them. If you’re contacted by a robocall from a company you’ve never heard of, it should be a wake-up call.

To avoid robocalls and telemarketing text messages, you have the right to add your phone numbers for free to the National Do Not Call Registry, which was created by the FTC. To do this, go to www.donotcall.gov or call 888-382-1222 from the number (s) you want to add.

Most federal student loan borrowers consent to calls from their student loan manager – the company that handles billing and other services on behalf of the US Department of Education – when they sign their primary promissory note. You can unsubscribe from these calls and texts later, but you should be aware that this might prevent you from receiving important messages from your server regarding your account in a timely manner.

The TCPA also allows calls by debt collectors when a loan is in default. Again, consumers have the right to decline these collection calls on their cell phones, but be aware that doing so can cause you to miss important communications regarding your student loan account. For example, appeals are allowed in the event of default to help debtors determine if alternative payment plans are an option before they default.

When it comes to debt collection, the Fair Debt Collection Practices Act, or FDCPA, says that collectors cannot harass, oppress or abuse debtors or use unfair or deceptive practices. Phone calls before 8:00 a.m. and after 9:00 p.m. in your time zone, whether made using an autodialer or not, are not allowed unless you have given and not withdrawn your consent. You can sue a debt collector for breaking the law.

Know how to complain

If you think a student loan collector is harassing you with calls or texts, you can file a complaint with the Consumer Financial Protection Bureau or the Consumer Complaint Center of the Federal Communications Commission, or contact your attorney general. State.

The FCC is stepping up efforts to tackle illegal robocalls. Acting commission chair Jessica Rosenworcel announced a series of initiatives in March, including issuing the largest robocall fine in FCC history; the launch of an automated call response team; reach out to the FTC, the US Department of Justice, and the National Association of State Attorneys General to revive anti-robot partnerships; and sending cease and desist letters to six voice service providers accused of repeated violations of FCC guidelines, including illegal robocalls to student loan borrowers.

If you suspect it is a fraud, you can also file a complaint with the FTC, which is home to the Bureau of Consumer Protection.

This month, the FTC announced that it was sending nearly $ 150,000 in repayments to student loan borrowers who got caught up in a debt relief scam and paid illegal upfront fees based on false promises to eliminate or reduce their student loan debt.

In fact, various types of consumers in the United States received more than $ 483 million in refunds in 2020, thanks to the FTC’s investigations and follow-up actions. But in April of this year, the United States Supreme Court ruled that the FTC did not have the power to seek financial redress in federal court for aggrieved consumers and was prohibited from doing so in the United States. ‘to come up.

The FTC has called on Congress to pass legislation restoring that ability, saying the court’s ruling would restrict its ability to effectively resolve cases on behalf of aggrieved consumers.

As a student loan borrower, you don’t have to put up with unwanted and harassing robocalls, and neither should you. Knowing your rights and knowing how scammers use these types of calls to take advantage of borrowers can help you protect yourself and others.

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Strategies to Strengthen Employee Financial Security During the COVID-19 Pandemic https://ardud.ro/strategies-to-strengthen-employee-financial-security-during-the-covid-19-pandemic/ https://ardud.ro/strategies-to-strengthen-employee-financial-security-during-the-covid-19-pandemic/#respond Mon, 19 Apr 2021 02:38:40 +0000 https://ardud.ro/strategies-to-strengthen-employee-financial-security-during-the-covid-19-pandemic/ The first step in developing financial security strategies for your employees is understanding the impact of the pandemic on your workforce – it will not be the same for everyone. (Photo: Shutterstock) As the COVID-19 pandemic takes hold on a global scale, it is disrupting “business as usual” in unprecedented ways – and at unprecedented […]]]>
The first step in developing financial security strategies for your employees is understanding the impact of the pandemic on your workforce – it will not be the same for everyone. (Photo: Shutterstock)

As the COVID-19 pandemic takes hold on a global scale, it is disrupting “business as usual” in unprecedented ways – and at unprecedented speed. This is a pivotal moment for HR managers to respond to the crisis in a way that will have positive long-term impacts for their workforce and their business.

At Commonwealth, we’ve been studying financial security for almost two decades and we’ve focused on the importance of employee financial security in part because it reduces financial stress and increases productivity. As pervasive concern about COVID-19 and its impacts on health and the economy takes hold of the world, efforts to strengthen employee financial security are also a strategy to strengthen employee engagement – a link positive with a work community, colleagues and bosses.

Related: Boomers, Retirement At Financial Risk Amid Coronavirus Downturn

Now is the time to double down on what we know to be best practices in benefit design and employee engagement. Effective employee financial security strategies can be easy, practical and inexpensive, which means that they are achievable even if your business is currently in crisis mode, whether trying to keep up with supply and demand or to overcome difficult economic conditions.

The COVID-19 pandemic and the immediate financial problems that affected people have highlighted the work we have done for decades. Normally, people spend 13 hours of their workweek worrying about their finances – a number that would be reasonable to believe has increased during COVID-19. By providing benefits that address one of your employees’ biggest stressors, you are showing that you value and understand their needs. In our 2019 national survey of low-wage workers, 76% said they were confident that the financial security benefits offered by the employer would promote loyalty to the company.

Commonwealth has been researching the impact of COVID-19 on low and moderate income employees since March. We’ve discovered problems employers can solve with practical strategies HR managers can implement quickly.

The impact of the coronavirus crisis is different for businesses based on the services or products they provide, not the business decisions they have made. This is also true for employees. The first step in developing financial security strategies for your employees is understanding the impact of the pandemic on your workforce, and this may or may not correspond to the impact the virus has had on your business. .

For low-wage workers, for example, their financial health depends in part on their employment situation with their main employer, but also on any other jobs they may have, such as work alongside, on their pre-existing financial health. and their families. and community circumstances.

Some of your employees may not have been affected (yet), and this is especially true if your business is in a currently booming industry, such as trucking, supermarkets, or medical supplies, or is able to continue. mainly as usual. . The least impacted employees are generally younger and single. And for these workers, employers have an opportunity to help them build financial security that could help them weather future financial disruptions:

  • Suggest that they start or build an emergency savings cushion now, because in these uncertain times we don’t know what’s next. If these workers are currently away, they can realize savings during this time, such as commuting and buying lunch, which can easily be turned into savings.
  • Health is on everyone’s mind right now. We are all more aware of how quickly our health can change and how medical bills could pile up as this pandemic progresses. If you are offering an HSA, now is a great time to encourage employees to contribute. A Commonwealth study found that employees said they would start contributing more to an HSA if they anticipated a need for health care, so messages can now be well received. In our research, we also found that 45 percent of survey respondents with an HSA would have access to health care more regularly if their employers contributed. A small start-up contribution could generate a lot of goodwill among employees, especially during this time, as they will feel that you are looking after their best interests.
  • Employees in this group told us they wanted to support struggling colleagues and community members. If you have an employee contingency fund, you could encourage people to contribute. Or, if you have a program that allows people to help PTO staff in need, or a matching charitable giving program, you can remind people of that, or maybe even offer a better match. for COVID-19 donations.

Other employees, regardless of the company’s situation, began to feel the effects of a shrinking economy, perhaps because their partner’s incomes fell, because their costs rose over time. as they stock up on supplies, or because they have difficulty looking after their children. For this group, several initiatives can be effective.

  • Employer-sponsored loans, in partnership with your financial institution, are easy to set up and can offer inexpensive alternatives to expensive credit cards. Many financial institutions now offer loans with three-month deferrals so people don’t have to pay them back until after the crisis, so check if the financial institution you’re dealing with can do this for your employees.
  • If you have an employee contingency fund, consider reviewing your guidelines to see if they can be relaxed during this time of crisis. In our research on contingency funds, the ease of the application process and speedy delivery of money were critical to employee satisfaction. Positive fund experiences, regardless of job satisfaction, had a very positive impact on participants’ relationship with their employer.
  • If your business is financially healthy and you pay time off under the FFCRA and enjoy the savings of 6.25% on payroll taxes, you can use a portion of those savings to make one-time contributions to HSA accounts or employee retirement plans. This can create a sense of community, with employees feeling that you share the benefits of federal law with them.

When addressing the financial situation of your employees, it’s also more important than ever to follow best practices for communicating initiatives to your staff. People crave free will and autonomy in their decisions – feelings that are probably more salient now as they operate in crisis mode.

Promote the agency and empower people by offering choices whenever possible and allowing people to make the decisions that are best for them. Generate trust by sharing information and allowing them to decide what action to take.

And keep it easy. People are overwhelmed, so simplicity is key – don’t add anything else to their plates. They also look for bright spots, so a bit of (appropriate) fun like prizes, rewards and gamification is in order if possible. The fun has the positive biological effect of reducing stress and increasing cognitive space, and it also prompts employees to enthusiastically engage in the initiative.

As we go through this unprecedented time, HR leaders can make an impact. In an age when people are feeling stressed and worried about their financial future, employers can provide their employees with the access to the tools they need to take action that will strengthen their financial security.

Someday, when this is all over, your business will resume its usual activities, or perhaps a new “regular”. A financially secure, more engaged and loyal workforce could be one of the greatest assets emerging from this crisis.

Melissa Gopnik is Senior Vice President of Commonwealth, where she heads the innovation lab of this mission-driven national nonprofit focused on financial security and opportunities for the financially vulnerable. Throughout her 30-year career, Ms. Gopnik has combined her talents in strategic planning, human resource management, research and public speaking with a strong commitment to social change.

Read more:

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Pssst, do you want a loan with these fries? https://ardud.ro/pssst-do-you-want-a-loan-with-these-fries/ https://ardud.ro/pssst-do-you-want-a-loan-with-these-fries/#respond Mon, 19 Apr 2021 02:38:39 +0000 https://ardud.ro/pssst-do-you-want-a-loan-with-these-fries/ The digital payment ducks all lined up in 2017. From demonetization in November 2016 to government entry into the Payments Space (BHIM) at zero commission for digital transactions entering giants international like Google and Facebook (WhatsApp entry is imminent) in payments, the ducks were right away. The fintech lenders were quietly waiting behind the scenes, […]]]>










The digital payment ducks all lined up in 2017. From demonetization in November 2016 to government entry into the Payments Space (BHIM) at zero commission for digital transactions entering giants international like Google and Facebook (WhatsApp entry is imminent) in payments, the ducks were right away. The fintech lenders were quietly waiting behind the scenes, biding their time.

Although on paper, unsecured loans will represent a $ 2.1 trillion opportunity by 2026, according to Credit Suisse, but so far lenders have had little benefit to them. They could neither target all available opportunities nor find sufficiently rich data sources (digital lending is above all a data-driven game).

But with the explosive growth in payments, lenders may be on the verge of finding their mojo.

Because if “the data is the new oil,” then the payment histories are the sinks. Digital payments leave a rich trail of user data that lenders can use to assess creditworthiness. Traditionally, lenders have used data such as repayment history, income from payslips to make loans. But with payment data, businesses can know when you pay your bills, how often you make expensive purchases. And that goes into determining someone’s intention to repay. Thus, lenders have in their hands an alternative credit scoring model of borrowers to add to more traditional data sets.

By extension, payment platforms could be the new credit controllers. Whenever you buy digitally, lenders will have the opportunity to offer loans of any size to the right group of people. Previously, this was not possible because the economics of granting such small loans was inconsistent. But with the cost of acquisition now borne, the sizes of the loan tickets are not of concern.

Credit on demand for users of Walnut, an expense management application. Image source: https://twitter.com/roshya/status/945929190146170880

Fintech lenders are also finding allies in banks and non-bank financial institutions who view these companies as a means of acquiring new customer groups. The little traction lending has seen so far is due to companies like Capital Float and LendingKart that provide loans to small and medium businesses. Consumer lending fintechs have yet to see this kind of scale given the small size of the notes and the caution with which they lend.

But that could change in 2018.

The missing pieces of the loan puzzle

In the sequence of steps leading to digital lending, the first and last have proven to be the most inconvenient for startups. The first concerns Know Your Customer (KYC) formalities for new customers and the last is the actual collection of loan amounts. Lenders who wanted to be fully digital couldn’t because they had to physically perform a KYC of new borrowers.

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ICICI Bank Launches Instant Approval for Car and Motorcycle Loans https://ardud.ro/icici-bank-launches-instant-approval-for-car-and-motorcycle-loans/ https://ardud.ro/icici-bank-launches-instant-approval-for-car-and-motorcycle-loans/#respond Mon, 19 Apr 2021 02:38:37 +0000 https://ardud.ro/icici-bank-launches-instant-approval-for-car-and-motorcycle-loans/ Private sector lender ICICI Bank on Wednesday announced two new programs for instant approval of auto and two-wheeler loans digitally and without paper. The Insta auto loan would allow pre-approved customers to benefit from the final sanction letter of an auto loan instantly and digitally for amounts up to Rs 20 lakh, for a maximum […]]]>

Private sector lender ICICI Bank on Wednesday announced two new programs for instant approval of auto and two-wheeler loans digitally and without paper.

The Insta auto loan would allow pre-approved customers to benefit from the final sanction letter of an auto loan instantly and digitally for amounts up to Rs 20 lakh, for a maximum term of seven years. The facility will be available for around 20 lakh pre-approved customers, most of whom are salaried.

The second initiative named Insta Two-Wheeler Loan, offers more than 1.2 crore of pre-approved clients the possibility of obtaining an instant loan sanction of up to Rs 2 lakh for a maximum term of three years.

“Both facilities will offer 100% of the vehicle’s road price,” the bank said in a statement. This would allow customers to negotiate with the dealers and purchase the vehicle immediately.

Customers would no longer have to go to the branch to get the final sanction letter, but could generate it on the online banking platform. It would be valid for 15 days.

“We believe this initiative will help the bank consolidate its position in auto loans,” said Ravi Narayanan, Head of Guaranteed Assets, ICICI Bank.

The lender already offers a number of instant products, including the country’s first instant credit card, insta personal loan, instant digital credit called PayLater, insta overdraft facility for MSMEs, and instant account opening. of the Public Provident Fund.

According to Anup Bagchi, executive director of ICICI Bank, the lender will use the estimated and stable income from the data analysis, as well as the scores of the credit bureaus to ensure that the customer is not over-indebted before to pre-approve them for the program.

The bank’s auto loan portfolio currently represents about 16 percent of its retail portfolio, and it has grown about 17 to 18 percent year-over-year. “There is a demand for funding. We expect more growth, ”Bagchi said.

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