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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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Slack's growth prospects in a critical market will face an imposing wall erected by Microsoft, according to a report by Wedbush securities.Microsoft Teams, a competing product to Slack, is available free to business customers of Microsoft Office 365. That will keep many Microsoft enterprise customers from moving to Slack, according to the report.Large enterprise customers are especially important to Slack's future revenue potential.“The Slack solution is impressive and represents a strong growth opportunity, however we believe penetrating this next phase of enterprises will be incrementally more difficult as the Microsoft/Teams value proposition presents a major competitive hurdle going forward in sales cycles,” Wedbush analysts Daniel Ives and Strecker Backe wrote.To get more news about Saudi Arabian, you can visit wikifx news official website.
Microsoft has claimed it has more daily active users than Slack, at 13 million. While Slack has responded and said it had 12 million and highlighted user engagement figures which it says show how much people like using the app. Click here for more BI Prime stories.One out of every ten Microsoft enterprise customers might switch to Slack, the upstart office collaboration tool. And that's not good news for Slack. The San Francisco company is valued at roughly $10 billion by public market investors who are betting that Slack's passionate “cult” user base will help it become a standard workplace tool — as common as email and mobile phones — in the corporate world. But according to a recent report by Wedbush Securities analysts Dan Ives and Strecker Backe, Slack's growth prospects might not be as wide open as investors believe. In particular, Ives reckons, Slack is about to crash into a Microsoft wall.
“Only 10% to 15% of the core Microsoft enterprise customer base is potentially 'in play' for Slack,” Ives and Backe write in a recent note to investors initiation coverage of Slack with an “Underperform” rating.Microsoft has a rival product called Teams that offers similar capabilities and is available free to existing Microsoft Office 365 business customers. “We have spoken to many enterprise customers that have seriously contemplated Slack's enterprise tier solution, but in the final IT decision was viewed that Teams services will suffice with no extra charge for Office 365 customers,” the Wedbush report says.What's more, Microsoft CEO Satya Nadella is putting a lot of resources behind the Teams product to blunt the threat Slack presents to “wall-to-wall Microsoft shops,” the analysts say.Earlier this year Microsoft claimed it had about 13 million daily active users, which it said put it ahead of Slack.
Slack responded last month saying it had 12 million daily active users. That's less than Teams but Slack was careful to highlight its user engagement figures, which it said showed how much people like using the app.Slack offers a freemium model where customers start on a free plan and then can move up to paid offerings ranging from standard to plus to enterprise. The company has 100,000 paying customers as of Q2 2020. Slack CEO Stewart Butterfield has said that's still the way the company acquires most paid customers. “Its individual work groups, like some one person says we should check this out and they get 2 to 3 and then 5 or 8 or 15 people using it and that happens over and over again across the company,” Butterfield said at a conference in Laguna Beach last month.
　　Slack is among a string of tech startups focused on corporate customers to recently enter the public markets. Zoom which provides video conferencing tools for companies using a similar “freemium” model, was one of the most successful public offings of the year, with its stock now trading at roughly double the level of its IPO price.Slack, which went public in June via an unorthodox direct listing, has seen its share sink about 47% below the level of its first days on the market.If not Microsoft customers, then who？If Wedbush's bleak view of Slack's prospects with Microsoft customers proves true, Slack will need to find its growth elsewhere. Ives said Slack's challenge will be to get the roughly 500,000 organizations that use Slack's free platform option to covert to paid users and drive growth over the next three to five years.He does think Slack will continue to do well with small business and startups and mid-market companies. “I think their sweet spot is 500 to 2,000 seat enterprises that tend to be more next generation type companies,” Ives said. Ives does see Slack's integrations with other services as an advantage, and that it offers a “sophisticated search and collaboration software that is embedded within an organization's workflow with topic, historical data maintenance, and group based features that are difficult for competitors to replicate.” However, that may not be enough to take a significant portion of the market and beat Microsoft. “The next step of growth will be a major uphill battle” for Slack, says Ives.

Bank of America's Merrill Lynch Wealth Management is readying staff for the next round of small business funding set to resume on Monday, according to a memo reviewed by Business Insider.The firm provided talking points to employees around how to engage with clients.Even if federal funds run dry, the firm will keep processing applications “in anticipation of additional funding becoming available, unless we receive different guidance from the government.”The memo sent out on Friday afternoon highlights how the bank, the first major lender to begin executing on the Paycheck Protection Program earlier this month, is prepping for a new flood of applications.Visit BI Prime for more stories.To get more news about Gloomy Environment, you can visit wikifx news official website.
　　As small businesses brace for another sprint to apply for federal relief during the coronavirus pandemic, Bank of America, the second-largest US bank, is preparing staff for the next round set to resume on Monday.The firm's Merrill Lynch Wealth Management unit is providing staff with approved talking points around engaging with clients and a reference list of frequently asked questions, according to a memo reviewed by Business Insider.Many Merrill staffers were recently shifted from their normal responsibilities into roles helping small business customers of all sizes. The firm expects that if the federal funds for small businesses in distress run dry, as the initial $349 billion set aside for aid was exhausted in just two weeks earlier this month, it will continue processing applications.
　　“If current funding is no longer available, we expect we will continue to process applications on behalf of our clients in anticipation of additional funding becoming available, unless we receive different guidance from the government,” the memo, signed by Merrill chief operating officer Kirstin Hill, said.“It is widely recognized that it will likely not be enough to meet the extreme need and demand, and it remains to be seen if more funding will be provided by Congress,” Hill said. “We hope so, and in the meantime, remain focused on helping our clients process their applications as soon as possible.” The memo sent out on Friday afternoon offers a window into how the bank is preparing for a new rush of small business loan applications at a historic moment of coordination between big banks and the federal government in offering a cushion to small businesses. A company spokesperson confirmed the contents of the memo.
The Small Business Administration is set to start accepting new applications again on Monday. President Donald Trump on Friday signed into law a new $484 billion relief bill, which includes $310 billion in new funds set aside for the PPP.
　　“It is critical our clients engage with us quickly as each step of the process moves forward, and we are reaching out to them in a variety of ways to make clear what they need to do,” Hill wrote in the memo. “We are not sending general information broadly to clients.” Charlotte, North Carolina-based Bank of America was the first major lender to begin executing on the Paycheck Protection Program when the application portals first opened on April 3. Chief Executive Brian Moynihan said earlier this week at the firm's annual shareholder meeting, held remotely, that it's received 390,000 applications for more than $50 billion in SBA loans.“We are in a war against COVID-19,” Moynihan said, adding the firm has processed and funded “thousands of applications worth billions of dollars, and those have gone out to our customers,” according to a transcript on the financial research platform Sentieo.
　　In the memo's talking points for engaging with clients around PPP, intended “for verbal use only with clients,” it includes a reminder that Bank of America has continued processing loan applications “in anticipation of the SBA beginning to accept loan applications again.” Within the frequently asked questions described in the memo, the firm reminds staff that clients who have already submitted applications to do not have to reapply for funds now that SBA has secured them. Another point answered a sample question concerning what order Bank of America is submitting loans to the SBA for approval: “When loan applications are complete, including all required documents and review, they enter the queue for submission to the SBA.”

Unlike the violent fluctuation in the energy market and the great volatility in the stock market, the U.S. Treasury market has been particularly calm in recent weeks, and no one can say where it's heading to.To get more news about CHARTER, you can visit wikifx news official website.
　　After the initial shock of the coronavirus epidemic, many bond traders were neither able nor willing to bet on the direction of US Treasury yields. The benchmark U.S. 10-year Treasury yields, after roller-coastering in March from a record low of 0.31% to a high of 1.27%, fluctuated in a much smaller range of 0.54% to 0.78% in April.
　　According to the institutional investor survey data released by JP Morgan Chase, two-thirds of the surveyed institutions have become more neutral in terms of fund allocation, a proportion close to the highest level in the past two years. This situation indicates that there are few large-scale risk-taking investments at the moment.
　　Most bond yields have been trading in a tight range, which means that investors are still holding out to see whether the United States can escape the whirlpool of deflation. A large amount of fixed-income futures positions were closed in March, and since then, the size of the open interest has hardly changed, and has been hovering around the lowest level since 2017.
Bloombergs recent survey on economists suggested that the European Central Bank(ECB) will expand its bond purchase program in the up-coming months in order to provide more support to the economy.
　　ECB Chair Christine Lagarde estimated as much as 15% of shrinkage in economy, while most observers expect the plan to be officially launched before this September. The exact time and scale of this plan, however, will depend on how much the government is willing to spend.
　　Previously, European leaders have approved a€540 billion(equivalence of US$580 billion) program to cushion the immediate shock of coronavirus on economy, but have yet to compose a long term revival plan.
　　Economists estimated that Europe will launch emergency package worth of €750 billion and further increase spending by €500 billion, which stack up this years total asset purchase to over €1.5 trillion.

Andrew Lapthorne, the global head of quantitative research at Societe Generale, is skeptical of forecasts for a “perfect” v-shaped recovery in corporate earnings. The consensus forecast among analysts is that by the end of 2021, profits will be growing at nearly the same rate as they were in late-2019.Lapthorne considered the unique nature of this crisis and concluded that the consensus is too optimistic.Click here for more BI Prime stories.To get more news about UAG, you can visit wikifx news official website.
　　Wall Street's expectations for recovery from the coronavirus crisis seems too good to be true. That's according to Andrew Lapthorne, the global head of quantitative research at Societe Generale. He is skeptical that the stock market's strong rebound from its trough in March matches up with the reality that will unfold in the months ahead. In particular, Lapthorne is skeptical of the “perfect” recovery that is reflected in real-time consensus forecasts for earnings, the biggest long-term driver of stock prices. Data he compiled shows that analysts expect global profits to fall by 21% this year and then rise 21% in 2021.In other words, the prediction is that economic conditions will recover so quickly that by December 2021, corporate profits will be back to where they were when COVID-19 began to spread in late-2019.
In the alphabet soup of economic scenarios, analysts expect a V-shaped recovery that is turbocharged by effective containment of the outbreak and abundant government stimulus.Many countries around the world are clearly not close to fully reopening their economies. But the latter condition — stimulus — has been successful and unprecedented, ranging from the Federal Reserve's purchases of select junk-rated corporate debt to the checks wired straight to Americans' accounts.
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　　This helps explain why the S&P 500 has already retraced more than half of its losses after its fastest 30% decline ever. Once again, investors are buying equities knowing fully well that the Fed is ready to act as lifeguard.
　　“Yet there is zero evidence historically that markets can go up on a sustained basis whilst profits continue to slump,” Lapthorne said. “Equity markets may have bounced but investors still seem to be positioning themselves for a drop.”For proof of the ongoing risk to corporate profits, keep tabs on what companies are doing with their cash. Goldman Sachs strategists estimate that cash spending among S&P 500 companies will fall by a record 33% to $1.8 trillion this year. The decline includes cuts to dividends — another area where proof of cashflow constraints can be found. By adjusting for the expected drop in EPS this year, UBS estimates that the median S&P 500 dividend will fall 28% to $1.47. The largest expected dividend reductions are in cyclical sectors like energy and materials.Lapthorne is not the only strategist concerned that earnings expectations are still too high, even though they have been reined in by the pandemic.
　　“We are concerned 2021 numbers now need to be cut more aggressively,” said Lori Calvasina, the head of US equity strategy of RBC Capital Markets, in a recent note. Her 2021 EPS forecast that factors in a “healthy economic recovery and margin expansion” is $153, below the consensus forecast for $170.In addition, she noted that several executives have told analysts on earnings calls that the journey to get the economy back to its pre-coronavirus strength will be slow and uneven. These observations contrast the market's march higher — at least in Lapthorne's books. And the mismatch is one that may be corrected by another sell-off.

Continued speculation that the pandemic is nearing the peak has continued to fuel optimism into US financial market.Thanks to prospects that United States will soon lift lockdown measures and produce drugs to effectively control the coronavirus pandemic, Nasdaq was up by 6% throughout the week, registering the largest double-week gain since 2001. On the other hand, extreme pessimism continues to loom the forex and oil markets, while a crisis similar to the Asian financial turmoil of 1997-98 is quietly brewing and threatens to hit emerging market currencies.To get more news about Crude Oil, you can visit wikifx news official website.
　　While Trump said last week that the United States would lift restrictions in phases, Japan expanded state of emergency to the whole country, and the United Kingdom also announced an extension of the blockade measures for three weeks, reflecting that the global pandemic has yet to be controlled. There is also news that Remdesivir, the drug produced and tested by pharmaceutical company Gilead, has a positive effect in treating coronavirus patients, boosting the company's stock price by 10%.
　　The Dow component Boeings share also soared 15% after the company announced plans to restart aircraft production in Washington State. But the foreign exchange market and the oil market have been sluggish amid the good news, with some emerging market countries seeing devastating crash of oil price and their national currencies.
　　Emerging market currencies in sell-off and ZAR has fallen 26% this year.
　　Some emerging market currencies have continued to record new lows, such as the Indian rupee, the Argentine peso, the Mexican peso, the Brazilian real and the South African rand, while the Turkish lira is approaching historical lows. The South African rand has fallen by 26% year to date, seeing the largest decline among all currencies. The Brazilian real has fallen by 23%, the Mexican peso has fallen by 21%, and the Russian ruble has fallen by 16.5%. The above data reflects that the currencies of emerging market countries and oil-producing countries are in a sell-off wave, facing the crisis of sharp depreciation.
　　When Soros targeted the Thai central bank and attacked the Thai baht in early 1997, Hong Kong people, indulged in the enthusiasm of the reunification with Mainland, continued to speculate in stock and property markets and ignored signs of the fierce currency battle between Soros and Thailand. Later the baht‘s crash triggered an unprecedented tsunami in Asian financial market. So the sell-off in currencies of emerging markets and oil-producing countries may be a signal that a financial storm is looming large in these emerging markets. This explains why the US dollar index remains strong despite US stocks’ rally last week.
　　Therefore, if the emerging markets are unfortunately hit by the financial crisis domino effect in the future, there will be another round of dollar shortage and liquidity shortage, which will boost the exchange rate of the US dollar and keep non-US currencies under pressure.
　　A financial crisis is brewing in emerging markets and non-dollar currencies remains under pressure
　　In addition to the forex market, the oil market has also suffered a heavy blow as the worst among most affected sectors. From the beginning of the year to last Friday, closing price of WTI futures at New York Mercantile Exchange have plummeted by 70.19%, which is definitely a disaster. A barrel of oil is approximately 159 liters. Taking WTI crude‘s lowest price of US$17.31/barrel last Friday, that’s 0.84 Hong Kong dollars per liter of oil, suggesting that the price of oil fell to a much cheaper level than water.
　　Therefore, at this stage, there are extremely extreme contradictions in the financial market. The US stock market rebounded amid optimism that the global pandemic has peaked, but at the same time, WTI crude has suffered pressures from the economic fallout and possibility of a recession. Some foreign banks observe that WTI will bottom out at around US$10, I personally think that there is very little room for oil price to plunge further.
While opinions still vary as to whether oil prices have hit the bottom, one thing sure is that whether oil prices bottom out now or continue to drop to the forecast US$10 level, prices wont return to US$30 in the short term even after bottoming out, which will definitely be a big problem for oil companies. Most oil companies, probably except for those in Russia and the Middle East, will be losing money if the prices remain below US$30. Oil companies in North and South America, Europe and Asia may fall into financial difficulties and then face the crisis of bankruptcy. I estimate that in the future, the collapse of oil companies will repeat the collapse of investment banks in the 2008 financial crisis, and eventually off a financial tsunami.
　　I also cited the above example during one of the shows-the subprime mortgage crisis broke out in the first quarter of 2007, butLehman Brothers didnt go bankrupt immediately in the second quarter of 2007, they collapsed in September of the following year. So I believe that the Great Depression 2.0 derived from the coronavirus pandemic will eventually trigger emerging market crisis, sovereign debt crisis and the collapse of large companies in different sectors, especially energy companies, starting from the second half of 2020. For bottom buyers counting on a rally of oil prices, Unlevered ETF will be a good choice.

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“Selling lottery online is a big part of our effort to appeal to new customers and meet our players where they already are – which is online,” Drew Svitko, Pennsylvania Lottery executive director, said in a news release. “This is an important step that will help us continue generating funds to benefit older Pennsylvanians.”

Players who purchase Powerball and Mega Millions tickets online can choose their own numbers or select the quick-pick option to receive randomly selected numbers. They also have the option to purchase multiple tickets and buy tickets up to 26 drawings – 13 weeks – in advance.

To play online, players must be 18 or older, sign up for an iLottery account and deposit funds to make a purchase. Account holders are required to submit proof of age and identity. After purchasing a ticket, players will be able to view transaction history, which includes past and current drawings and plays.

“By law, online lottery players must be physically located in the state of Pennsylvania to play for money and win prizes,” Svitko said.

The new iLottery features a number of player-controlled settings, including time limits, deposit limits and spend limits to promote responsible play that can be configured to suit play style and budget. The site also allows players to take a “cool-off” break of up to 30 days, or self-exclude for one or five years.

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Mega Millions Lottery Numbers For June 2, 2020

Mega Millions Lottery is one of the biggest lotteries in the U.S. This lottery is conducted in several states of North America. But many state jurisdictions do not participate in this lottery. So residents from those states must purchase a ticket from a lottery jurisdiction. Many state jurisdictions reportedly also allow players to purchase lottery tickets online.
The Mega Million Lottery Winning numbers and results will be announced at 11 p.m. ET. Check for the final results in some time. Mega Millions lottery game happens every Tuesday and Friday. The last game took place on May 29, 2020. The jackpot prize during the last Mega Millions lottery was $334 Million and the cash option was $264.7 Million . Now the prize for Tuesday's lottery is $356 million and the cash option is for $280.5 Million.Get more news about 彩票包网开版,you can vist loto98.com
Mega Millions lottery as mentioned earlier was drawn on Friday night i.e. May 29, 2020. The winning numbers were 10, 13, 32, 41,51 . The Mega Ball was 3. The jackpot prize was $334 Million and the cash option was $264.7 Million. Nobody won the Mega Millions jackpot lottery on Friday hence the prize for the upcoming lottery on Tuesday ,June 2 2020 at 11 p.m. E.T. has reached $356 million and the cash option is for $280.5 Million
The price of the Mega Millions ticket is $2.00 per play. You can also add the Megaplier to the Mega Millions lottery ticket by additionally paying $1. The Megaplier number is randomly selected just before the draw and it will range from X2, X3, X4, or X5. If a player wins a prize using the Megaplier their prize will be multiplied. The Megaplier number is chosen from a pool of 15 balls. Five of these balls are marked with X2, six with X3, three with X4, and just one of them has X5.
How to play Mega Millions game?

If you are interested in playing the Mega Millions lottery you need to purchase a ticket from a licensed lottery retailer.
This lottery ticket should be purchased one to two hours before the lottery is drawn.
Ticket sales deadlines vary according to jurisdiction.
After purchasing the lottery, you need to choose five numbers from one to 70 for the white balls. After choosing five white balls numbers you need to choose one number from one and 25 numbers for the gold Mega Ball.
Players have the option of choosing the number themselves or the lottery terminal will select them randomly for the player.

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