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12/19/2019 6:05:54 AM
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What’s the Best VPN for China?
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What’s the Best VPN for China?
If you plan to visit or live in China and want to maintain access to western sites, apps, and services, then you’ll need a VPN. However, not all VPNs work in China, and some that do are frustratingly slow.unblock websites
China’s advanced online censorship system, known as the Great Firewall, has made it a hotspot for VPN users. Both expats and native Chinese use VPN services to circumvent blocked sites and apps like Facebook, Gmail, Google, YouTube, Tinder, WhatsApp, western news media, Netflix, and even Comparitech.
To see which VPNs still work in China we rented a server in Shenzhen and pitched 59 different VPNs against China’s Great Firewall.
We’ll cover our full findings and methodology later in this article but for those of you looking for a quick recommendation here’s our top choices.
ExpressVPN is possibly the most popular VPN service in China. It’s not the cheapest VPN on this list, but it remains popular among users in China for good reason. It has a huge range of VPN server locations, excellent and consistent speeds, allows five simultaneous connections, offers 24/7 live chat support and claims 99.9% uptime.
The ExpressVPN app works across all major desktop and mobile platforms and is very simple to use. That includes Windows, MacOS, iOS, Android, Linux (command line), Fire TV, and compatible routers.
Torrenting is allowed on all VPN servers, and Express usually has a handful of servers that work with Netflix. If you’re only visiting China for a short period, consider the 30-day money-back guarantee.
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12/19/2019 6:10:04 AM
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VPN Providers Defy Order to Connect to Russia’s In
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VPN Providers Defy Order to Connect to Russia’s Internet Censor
Russian regulators have once again moved to expand oversight of the online space in an attempt to ensure compliance with various restrictions Moscow is trying to impose. But as in other cases, their efforts have been met with resistance. Over a dozen VPN platforms, popular among crypto enthusiasts and other privacy-conscious users, have refused to join the state-run system for blocking banned websites. Some of them have already announced they are moving abroad. The game of cat and mouse continues, with Roskomnadzor vowing to block nine of the refusers within a month.Buy VPN
In March this year, the Federal Service for Supervision of Communications, Information Technology, and Mass Media, Roskomnadzor, demanded from 10 VPN service providers to connect to the Federal State Information System (FSIS). The register keeps information about websites, the access to which has been restricted after they were blacklisted by Russian authorities. Roskomnadzor wants to confirm the VPN services do not allow their subscribers to access these sites.
The telecom watchdog sent out notices to Tor Guard, Vypr VPN, Open VPN, Nord VPN, VPN Unlimited, IP Vanish, Hide My Ass!, Hola VPN, Express VPN, and Kaspersky Secure Connection. Seven companies have refused to collaborate, including four that have moved their servers out of the country, and another two have not responded at all. Six more platforms, which have not been notified by the agency, also indicated they won’t connect to the FSIS. So far, only Kaspersky has agreed to cooperate.
Alexander Zharov, head of Roskomnadzor, stated last week that nine VPN platforms which have not fulfilled the watchdog’s requirements, may be blocked within a month for not complying with the law that prohibits the provision of services facilitating the bypassing of government restrictions. “It seems Roskomnadzor has recently compiled a second list of VPNs and asked them to filter traffic,” Sarkis Darbinyan, lead legal expert at Roskomsvoboda, a Russian NGO fighting internet censorship, told news.
Darbinyan also shared that another provider, Avast Secureline VPN, has just announced it’s withdrawing from the country in connection with Roskomnadzor’s actions. The company believes compliance with such requirements would violate its own principles and the right to freedom of the Internet. And because it won’t be in a position to bring any benefit to its Russian users, Avast informed them they will not be able to renew their subscriptions in the future.VPN download
A database maintained by Roskomsvoboda contains over 173,000 websites, forums, messengers, news outlets and other online platforms that have been banned at some point. The restrictions have been mandated by various state institutions including several government agencies, ministries and the Prosecutor’s Office. Many of them are still offline but some, have been taken out of the blacklist.
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12/23/2019 4:29:23 AM
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The Future Of The VPN Market
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The Future Of The VPN Market
The VPN market has grown exponentially over the past 10 years as consumers and businesses seek to protect their data and secure their privacy. In 2016, the entire VPN market (business, consumer, cloud, SSL) generated more than $15 billion in revenue.<a href="https://www.ritavpn.com/">VPN</a>
Since then, many events have unfolded that will push this number even higher over the next decade. In this article, we'll look at where this growth is coming from and a few of the top reasons that are driving this surge in one of cybersecurity’s largest-growing sectors.The future of virtual private networks, encryption and privacy has never been brighter. Here’s an overview of these trends and what’s to come:
In an internet era that’s ripe with vulnerable and unsecured hotspots, connecting to any Wi-Fi network presents a privacy issue and exposes much of your data without your knowledge. Widespread use of fake Wi-Fi to fool users into connecting to a network a hacker has complete control of is more commonplace than you think.
With more than 400 million hotspots across the world and 60% of all cellular traffic being offloaded to Wi-Fi, hackers know that hotspots, specifically public Wi-Fi, are a breeding ground for unprotected users.This threat even exists on airplanes, in your home and on your employer’s Wi-Fi. The problem arises when you chose the network you connect to. The hacker’s fake Wi-Fi has the same network name and password, and once you connect, they can start attacking your device less than five seconds.
Millions of businesses and people turn to VPNs to protect themselves because the encryption VPN technology offers prevents prying eyes from seeing your data even if you are connected to a malicious network.
Nations With Censorship Bolster VPN Usage
One reason why VPNs are so popular is that they can be used to avoid internet censorship. Countries that currently restrict VPNs (such as China and Russia) haven’t harmed industry growth and have actually brought tremendous awareness to it. These countries have created laws that ban VPN usage, which drives huge amounts of media coverage and pushback from local citizens.
Countries with government-enforced censorship often block certain websites and news portals and seek to monitor every click their citizens make. The simple workaround millions turn to is a VPN. Since VPN services encrypt all data, the government can no longer censor that connection, allowing users to access sites that would otherwise be blocked.
According to a Slate article, “VPN providers have struggled to outmaneuver some of these technical restrictions, many report that demand for their services is growing—even in China—and that efforts aimed at curbing their usage have generated interest in VPNs rather than deterring users.”
Global Growth In Breaches Drive Privacy Awareness
Every day it seems that another company is being exploited. Breaches like Equifax and, most recently, the Facebook/Cambridge Analytica scandal have put the identities of millions out on the internet to be illegally bought and sold, forever.
These hacks have driven considerable awareness to privacy and security in general, as clearly the benefits of successful hack far outweigh the consequences and the ability to be caught for criminals.
For the first time since the inception of the internet, consumer privacy has been at the forefront of media, legislation and conversation across the globe. While a VPN cannot protect you in all situations, scores of articles about VPN technology and other ways to protect yourself were created in the wake of these exploits.When comes to the issue of online privacy and security, we suggest to use a VPN, and our recommendation is RitaVPN.Qwer432
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12/23/2019 4:36:35 AM
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How to change your IP address
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How to change your IP address
IP addresses are individual numbers that identify network-connected devices, computers and phones, for example. They play an important role in facilitating a two-way communication with other devices while sending and receiving data. While doing so, they reveal information about the continent, the country and the city the device is in.
Masking your IP address will give you more anonymity while browsing and will protect you from being tracked by advertisers online. Moreover, by changing your location, you are able to access content from different regions as some websites only allow IP addresses from specific regions to view their content. Some schools, universities and companies will not allow you to access social media from their network; by hiding or changing your IP addresses, you can overcome firewalls. (Firewalls are network systems that restrict unauthorized access on private networks to and from selected websites, such as Facebook.)<a href="https://www.ritavpn.com/">VPN service</a>
How to change your IP address
By using web-based proxies or changing your network settings, the IP address can be changed. Another way to hide or change your IP address is to simply turn off your router for a couple of hours or contact your Internet service provider. This will not mask your location but you may simply be assigned a new address in the same country.
Using a VPN service is one of the fastest ways to hide your IP address and change your virtual location. The free VPN in Opera does not require a subscription and is unlimited. It uses a highly advanced AES-256 encryption that will block tracking cookies and make it difficult for websites to track your location.
When browsing in public networks at airports or cafés, you can become an easy target for hacking. By setting up a VPN, you can shield your activity from being sniffed by other people that are using the same network. When comes to the issue of online privacy and security, we suggest to use a VPN, and our recommendation is RitaVPN.Qwer432
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12/23/2019 4:42:29 AM
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VPN services blocked in Sri Lanka as information c
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VPN services blocked in Sri Lanka as information controls tighten
Internet providers in Sri Lanka are in the vanguard of blocking access to digital security tools that allow users to work around censorship, according to new NetBlocks network measurement data.<a href="https://www.ritavpn.com/">fast VPN</a>
On Sunday, Sri Lanka restricted access to social media platforms following a series of deadly attacks on churches and hotels. The new VPN restrictions appear to target users who have been circumventing censorship measures, which the government says are in place to prevent the spread of disinformation. Critics caution that the filtering measures are an impediment to independent media coverage and free expression as Sri Lanka comes to terms with the attacks.
Sri Lanka joins a handful of states that implement similar controls on VPN services and internet protocols that tunnel network traffic from point to point:
Virtual private networks enhance privacy and also allow users to work around internet restrictions. VPN usage is common in among journalists and in ICT, consulting and financial sectors, where they are often required for security reasons.
Data shows that one of the most prominent commercial VPN providers was blocked at 4 AM UTC Monday morning, 9:30 AM local time one day after the attacks and initial response:United Arab Emirates-owned provider Etisalat, implicated last week in the blocking of opposition political websites during Egypt’s constitutional referendum, is blocking several VPN providers in Sri Lanka using two distinct DNS poisoning techniques. In this case, Etisalat subsidiary Tigo’s servers were found to be impersonating the blocked companies’ authoritative DNS servers:
The new NetBlocks findings, collected with assistance from volunteers across Sri Lanka, help build a timeline of Sri Lanka’s expanding censorship measures through recent days.
Technical evidence corroborates user reports of difficulty downloading, installing and connecting to various VPN services, widely used by Sri Lankans as a means to access blocked social media sites and messaging apps following Sunday’s attacks, further indicating that they have been implemented on a separate schedule to the social blocks. The restrictions come amid criticism of the government’s handling as citizens come to terms with the situation.
Sri Lanka previously blocked social media in March 2018 for a period of eight days, restricting access to a similar set of digital platforms and incurring an estimated $30m cost to the country’s GDP.
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12/23/2019 4:45:12 AM
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Russia to Fine Search Engines for Linking to Banne
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Russia to Fine Search Engines for Linking to Banned VPN services
In its years-long efforts to censor the Internet by blocking access to a large number of websites in the country, Russia has now approved a new bill introducing fines for search engines that provide links to banned sites, VPN services, and anonymization tools.<a href="https://www.ritavpn.com/">unblock websites</a>
VPNs, or Virtual Private Networks, are third-party services that help users access block banned websites by encrypting users' Internet traffic and routing it through a distant connection, hiding their location data and access sites that are usually restricted or censored by a specific country.
According to the amendments to the Code of Administrative Offenses of the Russian Federation, besides introducing fines for providing links to banned resources, the lower house of Russian parliament, the State Duma, will also impose fines on search engines if they fail to stop issuing links to resources providing up-to-date database of blocked domains upon users request.According to the bill, individuals who break the law will face fine of 3,000 to 5,000 rubles (approx. $48 to $80), officials will face fines up to 50,000 rubles (approx. $800), and legal entities could be fined 500,000 to 700,000 (nearly $8,019 to $11,227), reports Russian State Duma Government site.
The bill to the Code of Administrative Offenses is associated with the law on anonymizers adopted at the end of the spring session of the State Duma in 2017.
Many Russian citizens use VPNs and other Internet proxy services to access blocked content by routing their traffic through servers outside the country.
However, Russian authorities have begun to crack down on Internet freedoms by tighten controls on online services in recent years, citing concerns about the spread of extremist materials.
As a result, last year, Russian authorities made it mandatory for VPN and anonymizer services operating in the country to register themselves with the state.However, many VPNs and anonymizers have still not registered themselves, which is why the country has introduced fines for search engines that provide links to banned sites, VPNs, and anonymization tools.
The Russian communications watchdog Roskomnadzor will also provide a Federal State Information System (FGIS) containing an up-to-date list of banned websites and services in the country, and search engines will be required to connect to FGIS within 30 days.
Those who fail to connect to this system will also face fines similar to those detailed above.
Late last month, Roskomnadzor also threatened Apple to face the consequences for not removing secure messaging app Telegram from its App Store and blocking it from sending push notifications to local users who have already downloaded the app.
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12/23/2019 4:48:47 AM
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3 Popular VPN Services Are Leaking Your IP Address
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3 Popular VPN Services Are Leaking Your IP Address
Researchers found critical vulnerabilities in three popular VPN services that could leak users' real IP addresses and other sensitive data.
VPN, or Virtual Private Network, is a great way to protect your daily online activities that work by encrypting your data and boosting security, as well as useful to obscure your actual IP address.<a href="https://www.ritavpn.com/package">Buy VPN</a>
While some choose VPN services for online anonymity and data security, one major reason many people use VPN is to hide their real IP addresses to bypass online censorship and access websites that are blocked by their ISPs.But what if when the VPN you thought is protecting your privacy is actually leaking your sensitive data and real location?
A team of three ethical hackers hired by privacy advocate firm VPN Mentor revealed that three popular VPN service providers—HotSpot Shield, PureVPN, and Zenmate—with millions of customers worldwide were found vulnerable to flaws that could compromise user's privacy.
The team includes application security researcher Paulos Yibelo, an ethical hacker known by his alias 'File Descriptor' and works for Cure53, and whereas, the identity of third one has not been revealed on demand.
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After a series of privacy tests on the three VPN services, the team found that all three VPN services are leaking their users' real IP addresses, which can be used to identify individual users and their actual location.Concerning consequences for end users, VPN Mentor explains that the vulnerabilities could "allow governments, hostile organizations [sic], or individuals to identify the actual IP address of a user, even with the use of the VPNs."
The issues in ZenMate and PureVPN have not been disclosed since they haven't yet patched, while VPN Mentor says the issues discovered in ZenMate VPN were less severe than HotSpot Shield and PureVPN.Here it must be noted that all the three vulnerabilities were in the HotSpot Shield's free Chrome plug-in, not in the desktop or smartphone apps.
The researchers also reported similar vulnerabilities in the Chrome plugins of Zenmate and PureVPN, but for now, the details of the bugs are being kept under wraps since both the manufacturers have not yet fixed them.
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5/28/2020 9:58:50 PM
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5/28/2020 10:22:30 PM
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NC lottery takes step toward more online sales
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NC lottery takes step toward more online sales
North Carolina lottery leaders took a key step Tuesday toward expanding online sales, but left themselves a way out if they aren’t satisfied with the details or face opposition from brick-and-mortar retailers or politicians.Get more news about 彩票包网,you can vist loto98.com
The state lottery commission voted for the idea of offering “digital instants” through the lottery website without yet officially directing that these online games begin.
Lottery leaders have talked for more than two years about these online games, which supporters say could bring in new revenues as growth in some traditional lottery games has slowed or failed to meet expectations.
“We’re seeing some other games that we generally rely on a great deal dissipate,” commission member Morgan Beam said at the quarterly meeting. “We’ve talked for hours on end … I don’t see that path without some technological advancements in different types of games.”
Essentially the electronic equivalent of scratch-off tickets, digital instants allow players try to win big cash prizes from their desktops or smartphones. A commission subcommittee already has been looking at digital instants, which now are played in five other states. The North Carolina lottery already lets players buy tickets through its website for big biweekly or daily jackpot drawings. Gamblers can pay to play by using their debit cards or checking accounts.
A preliminary report by lottery fiscal staff projects digital instant sales could reach $780 million annually in its fifth year. The North Carolina Education Lottery sold nearly $2.9 billion in tickets during the last fiscal year, resulting in $708 million for public education — both records.
Commission members voted to direct lottery staff to present a business plan soon for digital instants that includes staffing needs, sales details and a timeline. They also want to hear from retail groups in the handful of states that already have such online games about whether they hurt in-person sales at grocery and convenience stores. Commissioners said a final vote to offer the games to the public still would be required.
The lottery presented data showing scratch-off ticket sales have kept growing in states that have also introduced digital instants. But the North Carolina Retail Merchants Association told commissioners it’s not convinced, saying lottery sales in states without digital instants are growing at or above what lotteries with digital instants are doing.
“If a current lottery player can sit at their residence on a Saturday and play an online lottery game over and over without leaving the comfort of their home, then traditional lottery retailers will eventually lose sales to this activity and it will be too late to reverse course,” association president Andy Ellen wrote.
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5/28/2020 10:32:25 PM
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the online lottery irony
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the online lottery irony
The North Carolina Lottery Commission has hit a new roadblock in its effort to expand online gaming: Attorney General Josh Stein.The Democratic attorney general has come out against expanding online sales, suggesting that “digital instants” could run afoul of state laws prohibiting video sweepstakes, The Associated Press reports.Get more news about 彩票包网平台,you can vist loto98.com
Digital instants allow players to try to win cash prizes from their computers or smartphones by dumping money into the games using their debit cards or checking accounts. North Carolina lottery leaders want to match other states that offer them and “tap a new generation of players comfortable with computers and mobile phones,” The AP reports.
But there’s a problem: The digital instant themes and screens look a lot like the like video sweepstakes games that legislators and law enforcement have tried for years to stamp out. Stein says they may qualify as video games that have been banned under separate state laws.
“The commission lacks authority to offer lottery games that qualify as video games,” he wrote in a Jan. 22 letter, pointing to legal citations.
“I am concerned that these types of games prey on vulnerable people and risk real harm to both communities and families across the state,” Stein wrote, urging the commission to oppose the online expansion.
The association representing the state’s police chiefs is also opposed to digital instants. Legalizing them “would make it virtually impossible” to enforce the current sweepstakes ban because players could click on lawful or internet games, said Roxboro Police Chief David Hess, president of the North Carolina Association of Chiefs of Police.
Lottery officials say the two types of games aren’t the same and the authorized online games would be under the state’s control and heavy regulation.
So, on the one hand, North Carolina lawmakers and authorities have been trying for years to eradicate illegal video sweepstakes parlors amid anecdotes of players, particularly in poor areas, emptying their wallets to play.
And on the other hand, the Lottery Commission is considering online games that look suspiciously like video sweepstakes. But that’s OK because the state is going to regulate them heavily — and rake in piles of cash.
Lottery officials estimate that digital instants could generate $80 million in net proceeds annually within five years. The state lottery earned $708 million for public education during the 12 months ending last June.
Like the current limited online ticket sales already allowed, digital instants would require minimum-age verification and set limits on money transfers to ticket purchase accounts.The North Carolina Retail Merchants Association opposes the expansion over concerns that online games might cannibalize sales for traditional lottery ticket sellers.
The debate has at least one positive effect: it’s helping to bridge the political divide. Both the liberal-leaning North Carolina Justice Center and the conservative John Locke Foundation oppose the expansion.
With the attorney general, police chiefs, retail merchants and groups across the political spectrum raising red flags, that’s a sign that North Carolina should put the brakes on expanding state-sponsored online gaming.
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5/28/2020 10:39:54 PM
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Oregon Lottery Expects to Debut Online Sports Gamb
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Oregon Lottery Expects to Debut Online Sports Gambling Tomorrow
After repeated delays, the Oregon Lottery says its first foray into online and app-based gaming will launch as soon as tomorrow, Oct. 16.Get more news about 彩票包网服务,you can vist loto98.com
Scoreboard, which will allow anyone in Oregon to place bets on professional sports, was supposed to be ready in time for the start of the NFL season—and is now debuting.
But this may be just the start of the Lottery's move online.
Records obtained by WW from the Lottery's correspondence with Gov. Kate Brown's office show Lottery officials hope to add to online gaming—offering Jackpot draws, Scratch-its and Keno online, as well as "second-draws" for losing tickets.
Lottery spokesman Matt Shelby says those ideas are in the early stages.
"Long term, we'd like to [offer other options online], but we don't have any specific roadmap to offer other products for sale via the digital channel," Shelby. "We have focused more on what we won't sell: Video Lottery-type games."
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5/28/2020 10:44:32 PM
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Pennsylvania Lottery reports record sales after ad
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Pennsylvania Lottery reports record sales after adding online
The Pennsylvania Lottery announced Thursday that this year’s $4.5 billion revenue from Pennsylvania Lottery games hit a record, topping last year’s record $4.2 billion.Get more news about 菲律宾彩票包网平台,you can vist loto98.com
A record $2.9 billion was paid out to winners, and 70 people won $1 million or more.Proceeds of $1.14 billion will fund programs that serve Pennsylvania’s elderly. That’s $49.6 million more than last year’s proceeds.
“Families across the commonwealth rely on the vital senior programs that are funded by the Pennsylvania Lottery,” Pennsylvania Lottery Executive Director Drew Svitko stated in a press release. “That is why we are extremely proud to have set a new profit record.”
He said the profits that will benefit older residents exceeded $1 billion for the eighth consecutive year.Sales commissions to 9,700 licensed retailers rose to $266 million, an increase of more than $41.8 million from the last fiscal year.
Act 42, which the state Legislature passed in 2017, expanded the number of games for the lottery to offer.Here’s a breakdown of some of the numbers:
? Scratch-off games earned a record of more than $2.9 billion, 66% of all sales.
? Sales of multi-state games — Powerball, Mega Millions and Cash4Life — grew by more than $82.2 million, more than 19% over last year.
? In the first year of iLottery, online gaming revenue totaled more than $381 million, with more than 91,100 new online accounts. The iLottery prizes exceeded $332 million.
? Keno and virtual sports games played in bars totaled almost $47 million in sales.
The results are based on the fiscal year, July 1, 2018, to June 30, 2019.
“We are thrilled that the new and exciting games that were authorized by Act 42 of 2017 are proving to be a tremendous success,” Mr. Svitko said. “We’re always working hard to find innovative ways we can responsibly grow profits to benefit older Pennsylvanians.”
Since the lottery began in 1972, sales have contributed more than $30 billion to pay for property tax and rent rebates, transportation, prescription assistance and care and meals for the elderly.The Pennsylvania Lottery operates as a bureau within the Pennsylvania Department of Revenue.
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5/28/2020 10:52:37 PM
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Peggy Staruch got a surprise this month when she discovered that instead of paying $3 for a lottery ticket, playing her lucky numbers has been costing her $6.50 a pop.Staruch bought three lottery tickets online in March and early April, using the new Ontario Lottery and Gaming Corporation website, PlayOLG.ca, which was launched in January.Get more news about 菲律宾彩票包网服务 ,you can vist loto98.com
She said she paid $3 per Lotto 6/49 ticket, using her Royal Bank of Canada VISA credit card. But when she looked at her credit card statement, she saw repeated $3.50 “cash advance fee” charges added on to the original cost of the tickets.
A cash advance typically refers to a person withdrawing cash from an ATM machine on a credit card. Banks usually charge a fee for the service, which can range from $3.50 to $10.
Staruch said she contacted OLG about the $3.50 surcharge, and a customer service representative said it was imposed by her bank. She said an RBC representative then told her OLG was responsible for the fee because the company had set up billing as a cash advance.
“I just would hate to see all these people being surprised. Some people don’t even look at their credit card statements. It’s ridiculous that you’re paying $6.50 for a $3 lottery ticket.”OLG spokesperson Ryan Bissonnette told the Star that the company does not charge any fees when people buy lottery tickets online, or deposit funds into their online player accounts.
“We clearly state that additional fees could be applied by their financial institutions. That’s something that you can’t miss,” Bissonnette said.
He explained that online customers can use debit cards, Visa or Mastercard credit cards, or Visa debit cards on the PlayOLG website. When someone deposits money into an online account using a credit card, the website includes a warning that “cash advance fees may apply,” he said.
The PlayOLG.ca Terms and Conditions, which players must agree to in order to create an account, also state that “some credit card issuers may treat the funding of a Player Account as a cash advance and charge a fee for each such credit card transaction. Any cash advance fee or other fees relating to the use of a credit card are the Player's sole responsibility.”
“This is not in the fine print. It’s very prominently displayed on our page,” Bissonnette added.Lena Wan, an RBC communications representative, told the Star that gaming transactions, “such as the purchase of lottery tickets, betting and casino gaming chips,” are considered cash-like transactions.
“As such, these types of transactions are treated as cash advances by some credit card issuers,” she said in an e-mail, urging RBC clients to check with the bank if they are unsure about the status of a purchase.
Caroline Van Hasselt, director of media relations at CIBC, said the bank considers using a credit card for gaming purposes “cash like,” and therefore also bills it as a cash advance.
“If the merchant is classified as a ‘quasi-cash merchant’ like a lottery kiosk and you’re paying with your credit card, it’ll appear as a cash advance on your statement,” she said. “If our client has encountered it for the first time and was surprised, we can reverse the charge.”
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6/13/2020 2:32:36 AM
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The Small Business Administration is currently only accepting loans from banks that have assets of $1 billion or fewer.The move may address concerns that small lenders that primarily work with businesses owned by people of color would have to compete with larger banks.Minority-owned banks were already concerned that businesses owned by people of color would miss out on loans because they were going up against big banks.Visit Business Insider's homepage for more stories.To get more news about Zerodha, you can visit wikifx news official website.
The Small Business Administration on Wednesday said it would be temporarily closing its Paycheck Protection Program (PPP) for small businesses hurt by the novel coronavirus to all but the country's smallest lenders, in a bid to give them fair access.The agency said it would only accept loans from banks with assets of $1 billion or fewer as of 4 p.m. EDT (20:00 GMT) on Wednesday, lasting through to midnight.“SBA and Treasury will evaluate whether to create a similar reserved time again in the future,” the SBA said.The move appeared to be aimed at addressing fears that very small banks, and lenders that predominantly serve businesses owned by people of color, would have to compete with big banks for the program's more than $310 billion pot of cash, after they exhausted a pot of money ring-fenced for them on Tuesday.
There are approximately 3,862 commercial banks with assets of less than $1 billion, according to regulatory data as of 2019, although many credit unions and other small community lenders would also be small enough to use the new reserve window.But the decision is likely to anger big banks such as Wells Fargo, Bank of America, Citi, and JPMorgan, which are sitting on hundreds of thousands of applications from small businesses.The last-minute SBA change is the latest twist for the program, which has been beset by technology and paperwork issues, and subject to intense scrutiny following reports some large companies and hedge funds wrongfully secured loans.US bankers began another race to grab $310 billion in fresh small-business aid released by the SBA on Monday, after the program's first $349 billion in funds was exhausted in less than two weeks.
Created as part of a $2.3 trillion congressional economic relief package, the program allows small businesses hurt by the epidemic to apply for government-guaranteed, forgivable loans with participating banks.During the second round, Congress ring-fenced $30 billion of the funds for banks with less than $10 billion in assets and other community lending groups which predominantly service minority-owned businesses, amid fears that the country's biggest banks would suck up the funds.With so much pent-up demand, that pot of cash was exhausted on Tuesday, requiring smaller lenders that didn't get through to compete with larger firms for loans.Reuters reported on Wednesday that community banking groups and minority-owned banks said they are worried businesses owned by people of color may miss out on much-needed loans as a result.
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6/13/2020 2:45:01 AM
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Hertz car-rental company reportedly prepping
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Hertz car-rental company reportedly prepping for possible bankruptcy
Hertz is preparing for a potential bankruptcy filing, The Wall Street Journal reported Wednesday.The situation is fluid, sources told the paper, as the company hopes to reduce lease payments by May 4.The company laid off 10,000 employees — more than a quarter of its total workforce — in April.Visit Business Insider's homepage for more stories.
Car-rental company Hertz is preparing for a potential bankruptcy filing, The Wall Street Journal reported Wednesday, as the coronavirus pandemic brings nearly all travel to a standstill.People familiar with the matter told the paper that Hertz is working to reduce its debt payments and is in talks on a forbearance agreement that could help it avoid bankruptcy. The situation remains fluid, according to the Journal's sources.Hertz did not immediately respond to a request for comment from Business Insider. Shares of Hertz declined more than 15% in trading Wednesday, as broader indices rose, following The Wall Street Journal's report.To get more news about wikifx, you can visit wikifx news official website.
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The news of a possible bankruptcy arrives two days after Hertz on Monday said in a regulatory filing that it “did not make certain payments” on its operating lease as it remains in discussions with lenders to reduce its payments. If those discussions aren't fruitful by the first week of May, “Hertz could be materially and negatively impacted,” it said.Earlier in April, the company laid off 10,000 workers — about 26% of its workforce at the end of 2019 — “in an effort to align staffing levels with travel demand.”Ryan Brinkman, an analyst at JPMorgan, theorized on April 23 that government assistance could help Hertz remain solvent. “We do think a potentially large amount of cash could be made available to Hertz from the federal government, potentially solving any liquidity concerns, although we are also uncertain with regard to the terms,” he said in a note to clients.
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