text:
Industry database
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Lending Times Capital Markets: Originator Questionnaire
Lending Times Capital Markets: Investor Questionnaire
Episodes 10+
Episodes 1-9
Origination volumes
Most important charts for online lending
The Complete Guide to Regulation of Marketplace Lending
Bank's response to FinTech Innovation
Venn diagrams: Alt Lending markets and sources of capital
Personal loans vs credit cards, there is plenty of room for growth
Analysis of Fund Structures for Marketplace Lending
Peer-to-Peer vs Credit Cards and Bank loans
FREE: P2P Business Plan
FREE: Complete P2P lender Business Plan
Arch Over Standard 7.00%
Assetz Capital Manual 5.50-18%
Assetz Capital Great British Business 7.00%
Assetz Capital Green Energy 7.00%
Assetz Capital Quick Access 3.75%
Assetz Capital30 Day Access Account 4.25%
Crowd2 Fund Business Loans 8.70%
Bondmason 8.0%
Crowdstacker Burning Night 7.00%
Crowdstacker Amicus 5.43%
Crowdstacker Quanta 6.80%
EstateGuru Quanta 12.32%
Folk2 Folk Standard 5.50%
Folk2 Folk Extra 6.50%
Funding Circle Investing 7.20%
Landbay Libor Rate Tracker 3.40%
Landbay3 Year Fixed 3.75%
Lending Works5 Year 4.80%
Lending Crowd Standard 6.00%
Octopus Choice Standard 4.01%
Proplend Tranche A 6.91%
Proplend Tranche B 8.55%
Proplend Tranche C 11.05%
Rate Setter1 Year Market 1.70%
Rate Setter3 Year Market (closed) 3.60%
Rate Setter Rolling Market 2.70%
Rebuilding Society A grade 14%
Rebuilding Society B grade 16.10%
Rebuilding Society C grade 18.10%
Relendex Standard 8.50%
Saving Stream Property Development Asset Secured 12.00%
Thin Cats Average Rate 11.15%
Wellesley Co1 Year Intereston Maturity 0%
Zopa Plus 6.10%
Zopa Core 3.90%
Daily News Digest • Featured • News
Monday December 18 2017, Daily News Digest
Source: The Wall Street Journal
Today's main news: Investors are losing big on Chinese IPOs in the U.S. Funding Circle's projected returns. Ablrate funds 30M GBP, launches portfolio loans product. Cash Suvidha raises $2.7M in debt funding. SimplyFi challenges banks in Russia. Goldman Sachs secures majority stake in Financeit.
Today's main analysis: Sharpe ratios for ex-ante forecasts of credit models.
Today's thought-provoking articles: What makes a good FICO score? How the tech giants are taking on traditional banks. China's financial future. 3 blockchain companies poised to change lending.
Chinese IPOs are losing money for investors. AT: "Whatever the reason, investors got excited about China this year, but that excitement has not paid off. That doesn't mean that some of the 16 companies to debut in the U.S. this year won't do well in the long-term."
Sharpe ratios. AT: "PeerIQ's analysis of analytical models are astounding. A must-read."
What is a good FICO score? AT: "FICO scores may have been a good indicator of credit risk at one time, but they have been easily manipulated for well over 20 years. The market is due for another model that takes into account other financial health factors."
How the tech giants are taking on traditional banks. AT: "I don't see any of the tech giants becoming banks themselves. What can, and probably will, happen is that each one will develop a niche financial product that could banks a run for their money in a narrow silo sense. For instance, Amazon's online payments and POS financing may put a dent in credit card usage, but not alone. There is a whole new ecosystem developing around instant financing that includes other major players like Affirm and Klarna. Facebook Messenger appears to be raising its head in the POS financing space, as well, and could become an additional threat with an alternative credit scoring model (though, I'd say it's a long way from that yet). While they could potentially develop a product that competes directly with bank lending, I don't see them being places where consumers will hold their money, as in a savings account."
Lendio opens new franchise in Detroit. AT: "Lendio is expanding nationally as a small business lending franchise. This is smart. Many people still want a human connection and a human relationship, especially when it comes to long-term lending products. Online lending is impersonal. Each local franchise has a human with a local office behind it. Very smart."
Walmart employees should use pay apps as last resort. AT: "But I'm guessing many won't."
Bitcoin spawns startup lenders willing to accept crypto assets for collateral.
Using bitcoin for collateral.
The rise of the robo-advisor.
JPMorgan Chase, Barclays join IBM quantum computer network.
P2P lending is another investment frontier.
Private equity kingpins invest in payday lending.
Banks pull out of broker agreement.
Marlette Funding appoints Sabrina Basht as chief strategy officer of Best Egg.
How much OppLoans says it would cost to take the global Star Wars tour.
Modo appoints former CEO of Klarna North America to its team.
BFS Capital names former BankUnited executive as CMO.
MPOWER Financing wins growth company honors.
Funding Circle's projected returns calculations.
Assetz Capital refreshes branding, website.
Albrate launches portfolio loans, hits 30M GBP in funding, gets 3M GBP in IFISA funds. AT: "Congratulations."
Squirrel partners with HM government, Nesta.
SBDA Group closes Series A round.
Alt finance sector grows 43%.
Loot raises 2.2M GBP for digital banking app.
Handle gets 100K GBP investment from Nesta for open banking.
How to rebuild trust in money.
Protection against rising rates.
The future of China's financial sector.
Why Yu'E Bao is risky.
Surviving fintech lenders will be big-time winners.
Zhima Credit's two types of credit reports.
China's Fintech 50.
MYBank's nonperforming loan ratio.
Wealth Migrate launches coin for global real estate investing.
Blockchain companies poised to change traditional lending.
Datarius Cryptobank reaches soft cap.
Ethereum co-creator joins RCN advisory board.
Israel, Singapore players sign MOU.
Growing influence of global financial services.
Cash Suvidha raises $2.7M in debt funding.
Amazon to invest in Capital Float.
This year's transaction trends, regulation reforms.
Getting low interest rates with college exams.
Cash Suvidha looking to expand.
Fintech apps to sort loan application issues.
Go-Jek acquires payments startups.
Core banking, gocash card, and Wealth Migrate's office in UAE.
Goldman Sachs takes majority stake in Financeit.
Chinese IPOs in the U.S. Are Saddling Investors With Big Losses (WSJ), Rated: AAA
Introducing Sharpe Ratios (PeerIQ), Rated: AAA
What is a good FICO score? (The Mortgage Reports), Rated: AAA
How technology giants are using their reach and digital prowess to take on traditional banks (Business Insider), Rated: AAA
Lendio Announces New Franchise in Detroit (Crowdfund Insider), Rated: A
Walmart employees should use the new early pay policy as a last resort (Yahoo! Finance), Rated: A
Bitcoin surge spawns startup lenders willing to accept crypto-collateral (American Banker), Rated: A
Human vs. machine: The rise of the bionic advisor (FinancialPlanning), Rated: A
JPMorgan Chase, Barclays join IBM quantum computing network (American Banker), Rated: A
New frontiers of investing (Centre Daily Times), Rated: A
Private Equity, Hedge Funds Are Supercharging Payday Lending (ValueWalk), Rated: A
Using Bitcoin as Loan Collateral (BTCManager), Rated: A
Coinbase is now the No. 1 iPhone app in the U.S. (recode), Rated: A
Firms clamp down on brokers taking clients when they leave (StarTribune), Rated: A
Marlette Funding Appoints Sabrina Basht Chief Strategy Officer for Best Egg (Marlette Funding), Rated: B
How Much Would it Cost to Travel to Every Star Wars Filming Location? (OppLoans), Rated: B
Modo Announces Brian Billingsley, Former CEO of Klarna North America, to Join Team (PR Newswire), Rated: B
BFS Capital Names Former BankUnited Executive, Mary Harris, as Chief Marketing Officer (BusinessWire), Rated: B
MPOWER Financing Named "Growth Tech Company of the Year" (PR Newswire), Rated: B
Funding Circle refines projected returns calculations (P2P Finance News), Rated: AAA
Assetz Capital Announces New Website & Refresh Branding While Prepping For Upcoming ISA Debut (Crowdfund Insider), Rated: AAA
Ablrate Launches Portfolio Loans Product After Topping £30 Million in Total Funding & Securing £3 Million in IFISA Funds (Crowdfund Insider), Rated: AAA
Squirrel Announces Partnership With HM Government & Nesta While Crowdcube Campaign Nears £450,000 (Crowdcube Insider), Rated: A
SBDA Group Closes Series A Investment Round (Finovate), Rated: A
Alternative Finance Boom Continues With 43% Growth (Forbes), Rated: A
Fintech startup Loot raises £2.2 million for its digital banking app (Tech.eu), Rated: A
Nottingham fintech firm secures Open Banking investment (The Business Deck), Rated: A
Rebuilding Trust In Money (MinuteHack), Rated: A
Protect yourself against rising rates (The Times), Rated: B
China Futures (Seeking Alpha), Rated: AAA
Despite Being World's Largest Fund, Ant Financial's Yu'E Bao Is Risky (China Money Network), Rated: A
A Bonanza Awaits China's Surviving Fintech Lenders (Bloomberg), Rated: A
WeiyangX Fintech Review (Crowdfund Insider), Rated: A
Here is the List of the Fintech 50 in China as Ranked by KPMG (Crowdfund Insider), Rated: B
Figuratively Speaking (Global Times), Rated: B
Wealth Migrate Launches WEALTHE Coin to Democratize Access to Global Real Estate Investing (Euro Investor), Rated: A
Three Blockchain Companies That Could Change Everything in Traditional Lending (Observer), Rated: AAA
Datarius Cryptobank Has Reached SoftCap in a Few Hours After Start of Pre-ITO (Digital Journal), Rated: A
ETHEREUM CO-CREATOR STEVEN NERAYOFF JOINS RCN ADVISORY BOARD AS THEIR GLOBAL LENDING ECOSYSTEM EXPANDS TOWARDS ASIA (Bitcoinist), Rated: B
Israel and Singapore fintech hubs sign MoU (Finextra), Rated: B
The Challenge Of Delivering Relevant Content To Educate Customers (Forbes), Rated: B
Fintech Startup Cash Suvidha Raises $ 2.7 Mn In Debt Funding (Inc42), Rated: AAA
Amazon to strengthen fintech space with stake in Capital Float (Economic Times), Rated: A
Deal or no deal – 2017: transaction trends and regulatory reforms (YourStory), Rated: A
Now, score high marks in exams to get low interest rates on loans (Times of India), Rated: A
FinTech startup Cash Suvidha raises USD 2.7 mn for expansion (Outlook India), Rated: A
Sort your loan application issues with these fintech apps (Outlook India), Rated: B
Uber rival Go-Jek drives payments push with acquisition of three fintech start-ups (CNBC), Rated: A
Fintech News from the Middle East and North Africa (MENA) (Finovate), Rated: B
Russian fintech company challenges banks (Banks.am), Rated: AAA
Financeit Recapitalizaton Gives Goldman Sachs Majority Stake (Finovate), Rated: AAA
Sixteen companies from China have debuted on the New York Stock Exchange or Nasdaq so far in 2017, making this year one of the busiest of the past decade for Chinese IPOs in the U.S., according to data provider Dealogic. Ten of the newly issued stocks this year are trading below their IPO prices, with some plunging within weeks of listing.
The worst performer is Qudian Inc., a three-year-old online lender whose shares have slumped 46% through Friday since the company raised $900 million in October in one of the larger U.S. IPOs this year.
Chinese companies have raised a total of $3.7 billion by listing their shares in the U.S. in 2017, representing about 8% of the total U.S. IPO funds raised, according to Dealogic. Firms from China broadly have also powered a global surge in IPOs this year, driven in part by investors who bought into expectations of robust growth in China's economy.
During a period of big stock market gains, shares of all companies that raised at least $50 million in U.S. IPO proceeds this year are up an average of 18.3% since their listings through Friday, according to Dealogic. But Chinese companies in this category have fallen by an average 5.7% through Friday, with more than half of them down by double-digit percentage terms.
Over the last few months, we have received investor inquiry on how to incorporate both expectations and uncertainty in expectations to manage risk. The motivation is two-fold—expected returns are an insufficient statistic to drive investment decision making. For example, an investment with a 5% expected return but a higher range of outcomes may be less attractive than an investment with an expectation of 4% that has a tighter distribution of outcomes.
The Sharpe ratio is designed to measure riskiness while controlling for risk-free rates and volatility. The ratio, introduced by Nobel Laureate Bill Sharpe, measure return per unit of total risk taken above the risk-free rate.
[ Quant Note: The Sharpe ratio is typically used for assessing performance on liquid traded instruments (such as equities), and should not be used to evaluate ex-postperformance for illiquid collateral – including whole loans. However, the Sharpe ratiocan be a useful tool to analyze ex-ante forecasts are drawn from a credit model that generates independent and identically distributed draws (such as a monte carloprocess drawing from a roll-rate model). ]
Source: PeerIQ
Credit scores do not reflect income – it's entirely common for people with big earnings to have weak credit, and for people with small wages to have great credit.
Source: The Mortgage Reports
Credit scores may not include all of your bills. For example, if you rent a home from a private owner, he or she will probably not report your payment history to credit bureaus.
Incorrect or out-of-date information on your credit report can reduce your score. And that can cost you when you shop for a mortgage. Fannie Mae's Loan Level Pricing Adjustment Matrix, pictured below, shows just how much extra a lower score can cost you.
According to Ellie Mae, the typical closed mortgage in October had a credit score of 724. However, you can get mortgage financing with lower scores.
HUD, the Department of Housing and Urban Development, allows FHA borrowers to purchase with 3.5 percent down with a credit score of 580 or better. Those with credit scores between 500 and 580 must put at least 10 percent down.
As headlines like "Amazon Is Secretly Becoming a Bank" and "Google Wants to Be a Bank Now" increasingly crop up in the news, tech giants are coming into the spotlight as the next potential payments disruptors.
Google, Apple, Facebook, Amazon, and Microsoft, collectively known as GAFAM, are already active investors in the payments industry, and they're slowly encroaching on legacy providers' core offerings. Each of these five companies has introduced features and offerings that have the potential to disrupt specific parts of the banking system. And we expect a plethora of additional offerings to hit the market as these companies look to build out their ecosystems.
Lendio, an online lending marketplace for small business loans, announced on Thursday the opening of its new franchise in the Detroit Metro area.
Walmart, the largest private employer in the U.S., will begin allowing its 1.44 million employees to access their paychecks before payday.
After two years of talks with Even, a fintech startup that helps users budget by accessing upcoming pay early, Walmart (WMT) is rolling out the app to its entire workforce. In conjunction with PayActiv, Even lets employees take up to 50% of the amount they have earned up to that point, prior to the standard 2-week pay period. Individuals can do this interest-free up to eight times annually.
"I think this is a great perk for employees to have, provided they are able to use it responsibly. The key is to treat it the same as an interest-bearing payday loan," said Corey Sunstrom, director at Hobart Financial Planning and founder of thepocketadvisor.com.
The woes of an early bitcoin investor. Until recently, people who paid virtually nothing for the virtual currency and watched it soar had only one way to enjoy their new wealth — sell. And many weren't ready.
Lenders on the fringe of the financial industry are now pitching a solution: loans using a digital hoard as collateral.
While banks hang back, startups with names like Salt Lending, Nebeus, CoinLoan and EthLend are diving into the breach. Some lend — or plan to lend — directly, while others help borrowers get financing from third parties. Terms can be onerous compared with traditional loans. But the market is potentially huge.
As technological innovations continue to revamp the way business is conducted in the industry, the human element of financial advice is more important than ever. Clients now demand an experience as convenient and advanced as the robo advice platforms but will also look to advisors who add value beyond the numbers and calculations, create a deep connection, and consider both financial and non-financial assets.
But one important question remains: Is the middleman between investors and markets still important?
Two major banks have become charter members of a quantum computing network established by IBM, another sign of how far financial services companies are going to make themselves more competitive and to steel themselves against security threats.
PMorgan is looking at using IBM's quantum computing systems for trading, portfolio optimization, asset pricing and risk analysis, among other things. Barclays is just beginning to investigate potential uses for the financial industry.
Another investment practice that is gaining popularity — and has had a longer history than cryptocurrencies — is peer-to-peer lending. Depending on the credit worthiness of the person borrowing, the interest earned by a lender can vary from 5 to almost 20 percent.
Notice how in both cryptocurrency and peer-to-peer lending, an attempt is made to remove the central entity that acts as the source of trust in the transaction. The central entity is then replaced by a large number of people. While a great concept, I'm not convinced that the central entity — which benefits most from the transaction — is actually removed. What I think is taking place is actually an attempt to reshuffle power.
In the case of peer-to-peer lending, the central power may not technically be a bank, but for all intents and purposes performs the same functions as the bank. The facilitator's duties may have changed and the process may be simpler, but there's still someone charging a fee to set the loan parameters.
Private equity moguls have invested heavily in the payday and installment lending, putting additional resources, tangible and intangible, at the disposal of these often-predatory businesses, according to a new report by Americans for Financial Reform and the Private Equity Stakeholder Project.
The report, available here, documents 23 payday and installment companies in which private equity firms have invested, sometimes to acquire ownership stakes, other times to fund actual lending.
Bitcoin's current market value, with the price around the $18,300 level, is nearly $315 billion. And, just like in "real" currencies, nearly 40 percent of that wealth is held by around 1,000 users.
Someone looking to take $100,000 in cash would be giving the lender $200,000 in bitcoin as collateral, with about a 12 to 20 percent interest rate.
The crazy spike in the value of a bitcoin — from around $1,000 at the beginning of this year to more than $18,000 today, according to CoinMarketCap — has made Coinbase, an app that lets you buy, sell and store bitcoin, a winner. As of this afternoon, it is now the most-downloaded iPhone app in Apple's U.S. app store.
Source: recode
Recently, Morgan Stanley and UBS Financial Services pulled out of a private "cease fire" agreement among brokerage houses that has made it easy for brokers to move from firm to firm. By withdrawing, the two are signaling to brokers considering a move at the two firms that they and their new employer face the threat of lawsuits if they take client contact information with them, a practice allowed under the pact.
The defections by two of the largest players, employing more than 18,000 brokers between them, raises the prospect that the industry may return to the era when the client-adviser relationship was treated as the property of the firm.
Marlette Funding, LLC, the parent company of Best Egg, today announced the promotion of Sabrina Basht to the position of chief strategy officer (CSO), effective immediately. In this role, Basht will continue to report to Josh Tonderys, President.
As part of her new role, Sabrina will also lead the company's communication efforts for Marlette Funding and Best Egg.
The cost of traveling to the filming locations for every Star Wars movie prior to The Last Jedi (excluding studio lots) would be just a hair over $10,900.
Source: OppLoans
Modo, the company that creates interoperability for payments, today announced Brian Billingsley, Former CEO of Klarna North America, as the latest to join their team. Billingsley has an extensive payments background that will play an integral role in continuing the expansion of Modo's capabilities for their clients. Billingsley will be joining as Modo's Chief Revenue Officer.
BFS Capital, a leading small business financing platform, announced today the hiring of Mary Harris as its Chief Marketing Officer. Harris formerly led marketing and public relations for BankUnited, a leading U.S. business bank headquartered in Miami-Lakes, Florida. Harris will join the BFS Capital senior leadership team and report to the company's Chief Executive Officer, Michael Marrache.
Harris brings over 25 years of experience to BFS Capital across financial services and retail sectors. For BankUnited, she helped to rebrand and position the company as a national commercial bank now listed as one of Forbes magazine's "Best Banks in America." At BFS Capital, Harris will be responsible for marketing, branding, advertising and public relations strategies as well as customer acquisition and loyalty.
Continuing its impressive momentum as a market-leading provider of student loans, MPOWER Financing has been named Growth Tech Company of the Year by Technical.ly DC.
FUNDING Circle has changed the way its projected returns are calculated, so that the data applies to a larger proportion of its investors.
Funding Circle said on Friday that its projections will now show the minimum rate that 65 per cent of investors could achieve.
The target rate on the Balanced return portfolio is now 7.2 per cent rather than 7.5 per cent, while the Conservative product remains at 4.8 per cent.
On Thursday, online lending platform Assetz Capital announced the launch of its new website and "refreshed" brand just ahead of its upcoming Assetz Capital ISA.
Asset-backed lending platform Ablrate announced on Thursday it launching a new range of portfolio loan lending products. This news comes just after the platform topped £30 million in total funding and achieved £3 million in IFISA funds.
Squirrel, a personal finance app designed to help users have more control over their money, announced on Friday it has formed a partnership with the HM Government and Nesta.
Banking personalization company SBDA Group has landed a Series A investment today. FinSight Ventures and Digital Space Ventures contributed to the round, the amount of which was undisclosed. This marks the company's first ever VC funding round.
The UK's booming alternative finance market shows little sign of slowing down, with the value of funding for small and medium-size enterprises growing by well over a third last year, new research shows. Data from the Cambridge Centre for Alternative Finance (CCAF) suggests new funding models ranging from loan- and equity-based crowdfunding to invoice finance offer an increasingly important alternative to conventional SME funding such as bank support.
Overall, the UK's alternative finance market grew by 43 per cent in 2016, to £4.6bn from £3.2bn in 2015, the CCAF said. The growth means that over the six years to the end of 2016, alternative finance has provided an additional £11bn of funding.
The research found that peer-to-peer business lending was the single largest market segment in 2016, growing by 36 per cent last year to reach £1.23bn, followed by peer-to-peer consumer lending at £1.17bn (up 47 per cent), and peer-to-peer property lending at £1.15bn (up 88 per cent).
UK fintech startup Loot has raised £2.2 million in funding from Portag3, the VC division of Power Corporation, and Speedinvest.
Handle, based at the Accelerate Places tech hub, enables businesses to take control of their digital profile all the way from managing their credit score to optimising their online presence and presenting a professional face to the world.
Now, it's been selected by the UK's innovation foundation, Nesta, to help drive a revolution in small business banking opened up by the arrival in 2018 of the Open Banking initiative.
It's been given £100,000 by Nesta to help it further develop its dashboard into a single app which makes it easier for small business owners to keep control of their cash position, grow top line sales, compare and save money on their key expenses and keep their credit score finance-friendly.
The credit crunch led to widespread job losses, loss of disposable income and a drought in available capital, all exacerbated by what is generally agreed upon as long-term irresponsible lending practices from some financial institutions.
In my opinion, we're heading for even further mistrust with the trouble currently brewing in the peer-to-peer lending sector. Yield hungry investors are drifting into peer-to-peer (P2P) investing via the new Innovative Finance ISA, without being fully aware of the risks – the FCA have already identified this as an issue.
So how can the financial services industry, and the institutions and professionals who work within it, start to rebuild the bridges that have been burnt over the last 10 years and re-establish a trusting relationship with consumers?
A report by Lendy, the peer-to-peer lending platform, found a substantial drop in "bad debt" with £72 million worth of residential loans written off by banks and building societies in the 12 months to September, compared with £348 million in the previous year.
And of course, over 1.4 billion people live there, the most populous nation on the planet. It imports and exports over $3.7 trillion of products every year. China's growth over the past 30 years has been truly astounding, a miracle of modern development.
Total debt – government, corporate, and household – has grown in recent years to over 200% of the Chinese economy.
China Total Debt to GDP. Source: Bloomberg
Technology is both revolutionizing and super-sizing China's financial services sector. But it's not making it any safer, according to a report by Fitch Ratings that compares the world's two largest money management funds, Ant Financial's Yu'e Bao and JP Morgan U.S. Government Money Market Fund.
The report notes that in just four years, Yu'e Bao has ridden the fintech wave to become the world's largest money market fund with RMB1.56 trillion (US$233 billion) in assets under management. Since its 2013 launch, Yu'E Bao has been growing at a CAGR of 125%, thanks to technological development and its links with Alibaba Group Holding Limited's online payment platform, Alipay.
China's whac-a-mole approach to risk — hit it everywhere it pops up — is set to hand control of the surging $121 billion technology-driven lending market to a small group of leaders such as Lufax Holding and the finance affiliate of Jack Ma's Alibaba Group Holding Ltd.
The survivors are in for a bonanza in coming years: Macquarie estimates credit extended by China's fintech firms will jump more than seven-fold by 2022 to 6.2 trillion yuan ($940 billion) to pay for things like luxury and household goods or training and education. About half that market is micro-lending — typically small, short-term loans with high interest rates, Macquarie says.
Zhima Credit, the credit services and rating agencies of Ant Financial, used to offer two types of credit report inquiries. The one in collaboration with SHULIDATA.com offers users access to individual credit reports issued by the PBoC and the other with CreditKarma, presents the channel for oversea credit inquiries (at present only available to users' credit records in the U.S.).
On December 8th, a task force specially set up by China Banking Regulatory Commission (CBRC) released a rectification document towards micro lending, signaling a period of tightening oversight of the unregulated lending activities and related financial risks. This round of rectification will focus on 11 key areas: (Source: Sina)
Tighter management of micro lending approval authority;
Re-examination of micro lending enterprise qualification;
Equity management;
Balance sheet financing;
Asset securitization financing;
Real interest rates;
Loan management and debt collection;
Product category;
Business cooperation;
Information security;
Illegal operation.
On December 13th, the NYSE-listed micro lender PPDAI released the unaudited financial performance report for Q3 of 2017. According to the report, in compliance with the recently issued cash loan regulations, PPDAI will
Replace the one-time charges of fees into monthly fees;
Reduce the overall fees and interests of its loan products to lower than 36%;
Cancel the investor reserve funds from the year of 2018.
Source: Crowdfund Insider
Nonperforming loan ratio as of end-November of Chinese online lender MYbank, backed by Chinese e-commerce giant Alibaba Group Holding.
Global online real estate marketplace Wealth Migrate today launched the WEALTHE Coin, a digital currency created to democratize access to wealth through international commercial and residential real estate ownership. Wealth Migrate allows for investment in real estate investment opportunities previously accessible only to high net worth individuals or institutional investors. While almost half of the world's wealth is held in real estate, fewer than 13 percent of people have access or the resources to invest in and benefit from this lucrative market. Wealth Migrate aims to transform the real estate investment landscape and bridge the global wealth gap with its investment platform and WEALTHE Coin, with the vision of enabling anyone to invest with as little as $1.
WEALTHE Coin will be available in a token presale launching on the 15 December 2017, with the Public Crowdsale scheduled for February 1, 2018.
More than $3.3 billion was raised with Initial Coin Offerings (ICO) this year alone.
SALT delivers an alternative route to make money from cryptocurrency assets without giving up your position. It's a lending platform which uses blockchain to back loans. In simple terms, SALT brings the ability to list your blockchain assets as collaterals for a cash loan. Every crypto asset holder can lend them to anyone else, receive interests and regain their crypto asset as soon as the loan is paid back.
Another disrupting crypto lending project is Jibrel Network. It's a place where users, brokers and investors can tokenize their financial assets and sell them on blockchain for profit. Even though the platform is still in development, it receives strong support from cryptocurrency enthusiasts and ICO investors. Moreover, its pre-sale ICO was more than success and raised over $3 million and attracted funds from both individual investors as well as institutions, such as TaaS Fund, Tech Squared, Aurora Partners and others.
ETHLend is a facilitating platform for both borrowers and lenders. Here, lenders and borrowers can meet up and decide everything from loan duration to the interest rate. Like Jibrel, the platform runs on Ehtereum network and uses ERC20 tokens act as a deposit on the loan.
Datarius Cryptobank has opened the doors to participate in the project to all comers and has gone to the pre-ITO stage. A SoftCap of $125,000 has been reached within just a few hours from the start of the campaign, as stated by information now available on the official website of the project.
Entrepreneur and venture capitalist Steven Nerayoffhas joined the RCN global lending project as a lead advisor.
RCN is a peer-to-peer credit protocol based on cosigned smart contracts that connect lenders and borrowers anywhere in the world and in any currency through the use of RCN tokens, the platform's native cryptocurrency. Having successfully raised over $40 million during their recent token sale, the RCN network has the potential to democratize digital economy by increasing credit access for borrowers, eliminating the risk of default for lenders, and reducing asymmetric information between network agents.
The Singapore FinTech Association (SFA) and the Israeli City TLV association have inked a Memorandum of Understanding (MOU) to foster greater FinTech co-operation between the two communities.
According to advisory firm KMPG, there was a total of $3.2 billion invested globallyin fintech companies in Q1 of 2017. What's even more interesting is that a PwC report on fintech's growing influence on financial services showed that 82% of financial services companies want to increase fintech partnerships in the next three to five years.
Just a few days after fintech platform Finbucketannounced its $1.87 Mn funding, Delhi-based online lending startup Cash Suvidha has raised an institutional debt of $2.7 Mn from various financial institutions.
The funds have been raised from six financial institutions and will be primarily used to facilitate further lending to Small and Medium Enterprises (SMEs).
Online retail giant Amazon is looking to expand its footprint in the financial technology space and is in talks to invest in digital lending startup Capital Float, two persons aware of the development said.
Bengaluru-based Capital Float, which has so far focused on small businesses, is also set to start consumer financing on Amazon's platform, apart from the ecommerce seller financing it already does, they said.
//economictimes.indiatimes.com/articleshow/62112374.cms?utm_source=contentofinterest&utm_medium=text&utm_campaign=cppst
Statistically speaking, at the close of the third quarter of 2017, FDI inflow was $25 million, with a growth of approximately 17 percent over the corresponding period last financial year. Mauritius, Singapore and Japan topped the list of countries investing in India as of September, 2017.
From a VC-PE activity perspective, 2017 also recorded a six-year high in deal values, with deals worth approximately $48 billion, up 34 percent over 2016. According to data published by Venture Intelligence, 'private equity firms invested about $17.6 billion in Indian companies in the first nine months of 2017, sailing past the previous high of $17.3 billion in 2015.'
The sectors that remained bullish in 2017 were fintech, digital innovation, IT e-commerce, logistics, infrastructure and life sciences. Within e-commerce, fintech, mobile gaming, and health apps contributed a significant pie in the growth trajectory.
Can 90% in your college exam get you an iPhone? It could as a number of online student lenders are scrutinising marksheets to assess credit worthiness, and hand out loans for consumer durables.
Nagaraju T, a 21-year-old student at Malla Reddy College of Engineering in Hyderabad bought a Lenovo i5 laptop for Rs 36,000 in 2016. "I got my dad to make the down payment of Rs 10,000, and I paid the EMIs of Rs 2,000. I closed the loan in 13 months, and then bought a MINote 4 for Rs 14,000 and paid monthly installments of Rs 850," says Nagaraju.
KrazyBee places a cap of Rs 15,000 for consumer durable loans, Rs 50,000 for two-wheeler loans and Rs 3.5 lakh-Rs 4.5 lakh for educational loans.
KrazyBee, Faircent and Buddy.com say their non-performing asset (NPA) levels are under 3%, which is below the industry norm. The low default rate, they say, is due to risk assessment and screening of applicants.
Online lender Deal4Loans' Rishi Mehra says the use of proxies such as marksheets instead of CIBIL scores needs to be viewed with caution. In the early 2000s, a rash of NBFCs lent based on such proxies for credit scores, he says.
Delhi-based FinTech startup Cash Suvidha, the trade name of Usha Financial Services Pvt. Ltd., raised an institutional debt of USD 2.7 million from various financial institutions towards driving growth.
Every borrower registered on Faircent is identity-checked, credit-checked and risk-assessed by our system as well as an experienced team. Its tech-enabled credit evaluation algorithms reject over 90 percent of the borrowers who apply for loans.
OHMY Technologies Private Limited is the owner and operator of OMLP2P, an online Peer-to-Peer (P2P) lending platform. The platform assesses creditworthiness of a prospective borrower using its proprietary algorithm developed in consultation with CRIF HighMark, one of the leading Credit Bureau.
CoinTribe is a leading online loan disbursement platform that provides quick and easy collateral-free loans to small businesses and individuals. It is the only online lending platform which has back-tested its credit model with large banks.
Aye Finance differentiates itself by creating a technically enabled process that builds credit insights through a variety of available business and behavioral data. This effective credit appraisal coupled with the use of modern workflow automation, and a small but engaged workforce is helping bridge the gap between the MSMEs and organized lending.
CreditMantri is a multi-services platform that helps borrowers secure loans from its partner financers.
Ride-hailing start-up Go-Jek has acquired three financial technology (fintech) start-ups as it looks to dominate Indonesia's digital payments space.
Go-Jek said Friday it had bought offline payments service Kartuku, payment gateway Midtrans and saving and lending firm Mapan for undisclosed amounts.
Al Baraka Banking Group partners with Path Solutions to deploy iMAL Islamic core banking system.
UAE Exchange to launch gocash card and mobile app courtesy of partnership with online travel firm, Cleartrip
Online real estate marketplace and KPMG Global Fintech Top 50 member Wealth Migrate opens office in UAE, announces new country CEO, Lee-Ann Rush.
According to the press service of the company, SimplyFi's new product gives Russian company the opportunity to apply and receive loans up to RUR 300 000 (around USD 5000) from private investors completely remotely through a fully-electronic application process, transferred to any bank account.
Through a scoring system developed on the basis of technological analysis of big data, decisions on applications are made automatically within two hours. The company will only need tax ID and a statement of turnover in the settlement account. SimplyFi provides a 100% guarantee for the raising of funds once an application is placed on the market.
Point-of-sale financing provider Financeit completed an investment round today with existing shareholder Goldman Sachs. The round gives the firm a majority stake in the Toronto-based fintech.
Financeit helps merchants increase closing rates and transaction sizes by enabling them to offer customers affordable monthly or bi-weekly payment plans.
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What is the goal when teaching writing in our homeschools? Based upon the typical requirements of school writing, you would be tempted to believe it is merely about the number of words and pages produced.
However, writing well is more than producing a mountain of sentences and endless red pen corrections. Writing is more than grammar and mechanics, but we often forget about the "soft skills" of writing.
When I wanted to learn to knit, I bought a book and needles. I helplessly held the yarn and needles waiting for it to magically make sense.
Finally, a friend moved nearby that was an expert knitter. She was able to demonstrate casting on and how continental knitting differs from English knitting. After one lesson, I walked away with all the essential skills of knitting and I can make a mean garter stitch scarf, but that's about it.
Knitting that same scarf over and over again hasn't gotten me any closer to being a confident knitter. I need someone to demonstrate stitches, help me decipher a pattern, and show me how to correct my mistakes.
The expectation in the educational world is that children will become better writers simply by writing more. Daily journaling and frequent writing assignments are given in an attempt to get kids writing more, which many believe will ultimately make them better writers.
But just as knitting that boring scarf repeatedly won't make me a better knitter, prolific writing doesn't automatically equal improvement.
So what skills need developing for writing to improve? If our goal is to effectively communicate to our reader, we must work on our ability to communicate with preciseness and vivid description.
Brave Writer's The Writer's Jungle has two easy and fun games to help our children develop these skills. Playing the communication game and practicing keen observation can help your child to better communicate their ideas.
Chapter 2 of The Writer's Jungle explains the communication game in detail, but I'll give you a quick idea of its purpose. Have your child look at a simple, yet multistep drawing. Their job is to describe to you how to draw the shapes.
The first time you can see the picture too before beginning to draw. This can help you in showing where their information was lacking. Perhaps there is a circle in the corner of the drawing, but they only tell you to draw a circle. You can put that circle anywhere to show they needed more description.
The goal is to help our children use writing as a tool of communication, yet often that communication is incomplete because they have a lack of direction and description.
Even in verbal communication we often assume the other person has the same knowledge and perspective as we do which leads to them not fully understanding our message because we give incomplete information. How often have you been working on a house repair and the person on the ladder asks for the screwdriver? When you look down, there are five from which to choose. The communication was not clear.
When writing, the reader can't even see the five screwdrivers. Not only do we have to tell them to hand us the tool, but we also have to describe where they are and how they look.
By using the communication game in our homeschools, we can demonstrate to our kids the necessity of ample information. Partial information won't lead to them adequately communicating their ideas.
Another tool required to communicate effectively is the ability to draw upon our senses. Practicing keen observation can help develop this skill.
Of course, the apple is red, but can we elicit more from that observation? Is it dark or bright red? Is it more pink or orange? Would you say the shape is perfectly round or more oblong? How does it smell?
Chapter 3 in The Writer's Jungle describes keen observation and gives you some great question to use in eliciting a more thorough description from your kids, but this is an easy game to play.
A great starting point is to ask your kids to describe something using all five senses. A piece of fruit would be the most appealing. By doing this, they see that there is so much to say that will add to a reader's understanding and experience of their writing.
Often, my kids will offer very keen observations about a smell or some random slime video on YouTube, and that's okay. It's doesn't have to be a formal lesson, simply ask another question. Have them dig a little deeper and make you feel like you're holding that slime in your hands.
Whether knitting a scarf or writing a poem, doing something poorly over and over again rarely leads to improvement.
Now, I'm not saying we need to demand perfection from our children's writing. Often it's our focus on perfect grammar and mechanics that leads to our children's dread of writing.
By focusing on clear communication full of lively descriptions, we can help our children to improve their writing and expression.
One paragraph of well-developed prose is more beneficial than ten rote daily journal entries.
We shouldn't let them struggle on their own. Our role as their parent and writing coach is to give them the tools needed to express all those wonderful thoughts for the world to read.


text:
Q: How to add values to keys inside an object in an array from other array in javascript I have an array like below
I am trying to add some value by replacing null inside the object inside the array.
The values I wanted to add is from different array "y"
let toBesubmitted = [
        {a: null, id: "a"},
        {b: null, id: "b"},
        {c: null, id: "c"},
        {d: null, id: "d"},
        {e: null, id: "e"}
      ]

Another array
let y= ["apple", "ball", "cat", "dog", "elephant"]

How can I achieve this?

A: You can do that by using a forEach loop on the array and assigning a value to the item[item.id] property at a specific index of the y array:

let toBesubmitted = [
        {a: null, id: "a"},
        {b: null, id: "b"},
        {c: null, id: "c"},
        {d: null, id: "d"},
        {e: null, id: "e"}
      ]

let y= ["apple", "ball", "cat", "dog", "elephant"]

toBesubmitted.forEach((item, index) => item[item.id] = y[index]||null);

console.log(toBesubmitted)

A: A simple loop would do it, if toBeSubmitted[0].a should be y[0] and the id property tells us which property to set:
for (let i = 0; i < toBesubmitted.length; ++i) {
    toBesubmitted[i][toBesubmitted[i].id] = y[i];
}

Example:

let toBesubmitted = [
    {a: null, id: "a"},
    {b: null, id: "b"},
    {c: null, id: "c"},
    {d: null, id: "d"},
    {e: null, id: "e"}
];

let y = ["apple", "ball", "cat", "dog", "elephant"];

for (let i = 0; i < toBesubmitted.length; ++i) {
    toBesubmitted[i][toBesubmitted[i].id] = y[i];
}

console.log(toBesubmitted);

A: This is not the best answer though but try this:
    //print object
toBesubmitted.forEach(function(element, key){
    for(let e in element){
        if(e == Object.keys(element)[0])
            element[e] = y[key];
    }
});
Console.log(toBesubmitted);

A: EDITED

let toBesubmitted = [
    {a: null, id: "a"},
    {b: null, id: "b"},
    {c: null, id: "c"},
    {d: null, id: "d"},
    {e: null, id: "e"}
]

let y= ["apple", "ball", "cat", "dog", "elephant"]

toBesubmitted.forEach((item, index) => {
    Object.keys(item).forEach(key => {
        if (item[key] === null) {
            item[key] = y[index];
        }
    })
})

console.log(toBesubmitted);

A: Assuming toBesubmitted[index][key] is y[index][0]
This answer doesn't rely on index being in a particular order.
let toBesubmitted = [
  { a: null, id: "a" },
  { b: null, id: "b" },
  { c: null, id: "c" },
  { d: null, id: "d" },
  { e: null, id: "e" }
];

let y= ["apple", "ball", "cat", "dog", "elephant"];

y.forEach( c => {
  const prop = toBesubmitted.find(tbs => tbs.id === c[0]);
  if(prop){
    prop[c[0]] = c;
  }
});

A: You can also use reduce function like below;
let toBesubmitted = [
{a: null, id: "a"},
{b: null, id: "b"},
{c: null, id: "c"},
{d: null, id: "d"},
{e: null, id: "e"}
];

let y = ["apple", "ball", "cat", "dog", "elephant"];

toBesubmitted.reduce( (acc,curr,idx) => curr[curr.id] = y[idx], {} );

console.log(toBesubmitted);

redpajama_set_name: RedPajamaStackExchange


This past Tuesday night, some underclassmen went to Wayland Arch and turned in their bid cards, thereby taking the first step towards becoming a Greek brother or sister. Although Greek life at Brown is noticeably less prominent than at many other schools, Brown does have somewhat of a Greek presence with fraternities, sororities and co-ed houses, also known as frarorities.
Last Thursday, the Janus Forum hosted a lecture around the question: "Are there universal human rights?" As is usual for Janus Forum lectures, the talk involved two speakers with opposing views.
Ahhh, New Year's! The transition to a new year seems, as it always does, like the perfect opportunity to kick the bad habits we've been meaning to shed for some time. The first of January is that liberating day when we just start afresh, kind of like the reboot button on a computer.


text:
Updated Tennis Draws, Results And Order Of Play For Jan. 13th • Antalya Open and Delray Beach
Home / Columnists / Ricky Dimon / Tennis • Ricky's Previews and Picks For Day 4 At The U.S. Open: Murray, Felix, Dimitrov, and More
Tennis • Ricky's Previews and Picks For Day 4 At The U.S. Open: Murray, Felix, Dimitrov, and More
Ricky's previews and picks for Day 4 at the U.S. Open: Murray, Felix, Dimitrov, and more
By Ricky Dimon
Andy Murray will be back on the court at the U.S. Open on Thursday, two days after surviving a thriller of a first-rounder against Yoshihito Nishioka. Up next for the Scot is a popcorn match with Felix Auger-Aliassime. Also part of a jam-packed second-round schedule are Grigor Dimitrov and Frances Tiafoe.
Ricky previews three of the best matchups and makes his predictions.
(14) Felix Auger-Aliassime vs. Andy Murray
This blockbuster second-round matchup almost turned out to be an all-lefty showdown between Nishioka and Thiago Monteiro. But the favorites managed to survive. Murray came back from two sets down and saved a match point to overcome Nishioka 4-6, 4-6, 7-6(5), 7-6(4), 6-4. Auger-Aliassime fought off set points in both the third and fourth to beat Monteiro 6-3, 6-7(7), 7-6(6), 7-6(7).
All things being equal, this is not a bad matchup for Murray. Even following hip surgery, the three-time major champion still defends extremely well and can get a lot of balls back to an opponent who remains erratic at his young age. Auger-Aliassime, 20, is inconsistent but also wildly talented. If the Canadian serves well, he will be able to dictate play and force Murray to dig deep into energy reserves that may not be there following such a tough test on Tuesday.
Pick: Auger-Aliassime in 4
Editors pick • Murray in 3
(14) Grigor Dimitrov vs. Marton Fucsovics
Dimitrov and Fucsovics will be going head-to-head for the second time in the Cincinnati-U.S. Open bubble when they square off again during second-round action. Their only previous meeting came 10 days ago at the Billie Jean King National Tennis Center, where Fucsovics prevailed 7-5, 4-6, 6-2.
That was not a surprising result, as Dimitrov's summer included a bout with the coronavirus followed by less than stellar play at the Ultimate Tennis Showdown. Fucsovics was in better shape physically in their showdown last week and had little trouble in the third set. The Hungarian, who reached the last 16 of the 2020 Australian Open, destroyed Hugo Dellien 6-3, 6-3, 6-1 on Tuesday. Dimitrov lost only one more game to Tommy Paul than Fucsovics did to Dellien, so the Bulgarian is probably more confident than he was last week. Still, Fucsovics should once again have the edge as the match progresses.
Pick: Fucsovics in 4
Editors pick • Grigor in 3
Frances Tiafoe vs. John Millman
The U.S. Open has not been kind to Tiafoe, who had a 2-5 lifetime record heading into the event this year. That is why Tuesday's 4-6, 6-3, 6-4, 7-5 victory over Andreas Seppi was especially sweet, and the 22-year-old American crucially avoided a fifth set–a situation he has struggled with throughout his career. Tiafoe is now 1-1 in the bubble and 2-6 for the season, having lost his Cincinnati opener to Andy Murray.
Millman, on the other hand, is a proven force at Flushing Meadows. The 43rd-ranked Australian upset Roger Federer en route to the 2018 quarterfinals and he reached the third round in 2017. Millman thrashed Nikoloz Basilashvili 6-1, 6-1, 6-4 on Tuesday for his 10th match win of the season. Based on current form and past U.S. Open history, Millman has a clear advantage in this one.
Pick: Millman in 4
Editors pick • Tiafoe in I don't know how many sets. 5?
Ricky contributes to 10sballs.com and also maintains his own tennis website, The Grandstand. You can follow him on twitter at @Dimonator.
Andy MurrayAtp TourfeaturedFelix Auger AliassimeFrances TiafoeGRIGOR DIMITROVJohn MillmanMarton FucsovicsPhoto GallerytennisUS Openus open tennisUSTA
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text:
1Synopsis
3Productions
4Historical context
4.1African-American migration
4.2The Hill District in the 1960s
4.3Urban unrest and the Black Power movement
4.4Black women in the 1960s
5Awards and nominations
Two Trains Running
Broadway production poster
August Wilson
Date premiered
Place premiered
The Pittsburgh Cycle
The uncertain future promised by the Civil Rights Movement of the 1960s
the Hill District of Pittsburgh, 1969
Two Trains Running is a 1990 play by American playwright August Wilson, the sixth in his ten-part series The Pittsburgh Cycle. The play takes place in 1968 in the Hill District, an African-American neighborhood in Pittsburgh, Pennsylvania. It explores the social and psychological manifestations of changing attitudes toward race from the perspective of its urban Black characters. The play premiered on Broadway in 1992 and was a finalist for the Pulitzer Prize for Drama.
Synopsis[edit]
In 1968 amidst the civil rights movement, Memphis Lee's restaurant is set to be demolished by the city. While he fights to be paid a fair price for his property, his employees and regulars search for work, love, and justice as their neighborhood changes around them.
Memphis, a migrant from the Deep South - owner and operator of a restaurant that has been a community center but has declined in business
Risa - the only woman in the play, she works at the restaurant. She and Sterling begin a relationship.
Sterling - young man from the neighborhood who was recently released from prison
Holloway - an elder of this community, he is described as "the seer and the knower"[1]
Wolf - a numbers runner, small-time gambler, and "town crier"[1]
West - funeral director and longest-standing business owner in the community[1]
Hambone - he repeats one phrase in his search for justice
Productions[edit]
Two Trains Running was first performed by the Yale Repertory Theatre in New Haven, Connecticut in March 1990.[2] Productions soon followed at the Huntington Theatre (Boston, Massachusetts), Seattle Repertory Theatre (Seattle, Washington), and Old Globe Theatre (San Diego, California).[3]
The play premiered on Broadway at the Walter Kerr Theatre on April 13, 1992. It closed there on August 30, 1992 after 160 performances and 7 previews. Directed by Lloyd Richards, the cast featured Roscoe Lee Browne as Holloway, Anthony Chisholm as Wolf, Laurence Fishburne as Sterling, Chuck Patterson as West, and Cynthia Martells as Risa.[4]
Historical context[edit]
This section does not cite any sources. Please help improve this section by adding citations to reliable sources. Unsourced material may be challenged and removed. (October 2008) (Learn how and when to remove this template message)
African-American migration[edit]
Further information: Great Migration (African American)
Seeking to escape from poverty, racism, and segregation imposed by "Jim Crow" laws in the South, more than 6 million Black Americans migrated to northern, midwestern and western industrial cities during the early and mid-20th century, a movement ending about 1970. Most of these migrants had worked in agriculture in the former Confederate slave states, and few were well acquainted with urban life. Broadly speaking, blacks who moved north could expect higher wages in industrial jobs, better educational opportunities, and greater potential for social advancement than possible in the South. They were also able to vote.
While racism in the North was arguably less violent and overt than in the South, it was nonetheless present. Though lynching was much more rare and de jure segregation did not exist in the North, negative attitudes towards blacks prevailed among many white citizens. Blacks were forced into de facto segregated neighborhoods - the newest arrivals having to take older housing. Suburban development, especially after World War II, attracted people who wanted newer housing and could afford to move. These were more white than black initially, although the black middle class also began to leave the inner city. At the same time, industrial restructuring caused the loss of many jobs in such cities as Pittsburgh. Poorer and less educated blacks were left in inner city neighborhoods, with fewer resources.
Because of the loss of working-class jobs, these overwhelmingly Black neighborhoods began to be areas of concentrated high poverty and associated crime rates. Yet these neighborhoods also simmered with their people's hopes of economic, social, and political advancement. As such, they served as fertile soil for the Civil Rights Movement and Black Power movement. Two Trains Running is set in such a neighborhood.
The Hill District in the 1960s[edit]
The play is set in 1968 at a restaurant at 1621 Wylie Avenue, in Pittsburgh's Hill District, an African-American neighborhood. In the 1940s and 1950s, the Hill District was one of the most prosperous, culturally active Black neighborhoods in the United States. Under pressure of de facto segregation, industrial restructuring and suburbanization in the 1960s, however, the neighborhood suffered a sharp economic decline.[5]
Business owner Memphis recounts how his restaurant, which now has few patrons, used to be packed with customers. It has long been a community center, and regulars still come in. He notes how many once-bustling small businesses have since closed down.
Throughout the 1960s, Pittsburgh's Urban Redevelopment Authority seized land in the area as part of the movement known generally as urban renewal. They planned to get rid of aging buildings in order to build civil structures and public housing. Countless buildings were destroyed to make way for the Civic Arena and other projects.[5] This effort displaced thousands of people, disrupting the remnants of The Hill community.
Memphis's building is one targeted to be seized by the city (presumably by the URA). He is nervous about the price he will receive for it. Speaking of the eminent domain clause in his deed, he says "They don't know I got a clause of my own... They can carry me out feet first... but my clause say... they got to meet my price!" Like Hambone's "He gonna give me my ham", this indignant insistence represents an unyielding demand for dignity and respect from those who have historically been denied it.[citation needed]
Urban unrest and the Black Power movement[edit]
Throughout Act Two of the play, Sterling (a young man from the neighborhood recently released from the state penitentiary) eagerly awaits a political rally, for which he tries to generate interest at the restaurant. Though he makes it clear that the rally involves racial justice, he does not specify its exact motivations or political aims. Memphis reacts with scorn when Sterling posts a flyer for the event, but he never makes it clear exactly why he is so uncomfortable with it.
The rally is set within the context of riots in Pittsburgh in the late 1960s. After the assassination of Martin Luther King Jr. on April 4, 1968, a wave of riots from grief and despair erupted in urban, black areas of the United States. Though the riots in Pittsburgh were not as devastating as those in Washington, D.C. and Chicago that year, they resulted in extensive property damage to struggling black areas, and escalated tensions of their residents with the city police, who were still mostly white.
Memphis's scorn also reflects a broader generational conflict on the topic of resistance that came to a head in the late 1960s. Many older, southern-born blacks like Memphis had learned to survive by not stirring up trouble with the white establishment. Those in the younger generation, such as Sterling, who had often grown up in the North, viewed this attitude as implicit submission—a remnant of slave mentality worthy of contempt.
This shift in attitude was expressed in the evolution of the Civil Rights Movement. In 1960, the movement relied primarily on legal action and political lobbying by organizations such as the NAACP, which conducted litigation to challenge disenfranchisement and segregation, as well as defend suspects in egregious cases of apparently innocent people being charged for crimes. Over the next few years, however, nonviolent mass action emerged as the primary tactic in the South, organized through the strong church communities and led by such ministers as Martin Luther King, Jr and others of the Southern Christian Leadership Conference. In Georgia, Alabama, Mississippi, North Carolina and other states, blacks conducted boycotts and sit-ins of segregated buses and businesses, seeking change; they also organized voter education and protests. They sought to end segregation in public places and retail establishments, to gain work opportunities, and to end the disenfranchisement of most black voters in the South. The 1963 March on Washington was an expression of widespread grassroots organizing across the South.
Federal civil rights legislation and the Voting Rights Act were passed in 1964 and 1965, but by the later 1960s, many younger members of the movement questioned the idea of nonviolence. They believed that change and equity were not happening quickly enough. For example, in 1966, Stokely Carmichael became leader of the Student Nonviolent Coordinating Committee (SNCC). Carmichael believed that true liberation for black people required direct seizure of power, and building their own businesses and networks, rather than appeal to white power structures. He dismissed all white members of SNCC, saying they should work to change their own people. The organization effectively became part of the Black Power movement, and over the next few years SNCC dissolved. Many of its leaders (including Carmichael) joined the more radical Black Panther Party.
Black women in the 1960s[edit]
Though Risa has relatively few lines, she is one of the most powerful characters in Two Trains Running. She has defined herself by actions to set herself apart. Despite his own personal struggles with oppression, Memphis does not seem to recognize how poorly he treats Risa. He never thanks her or shows appreciation for her work, and he constantly meddles in her affairs as if she could not manage without him.
While Holloway is polite to Risa, he does nothing to defend her from Memphis's persistent criticism. He has much to say about the topic of racial injustice, but he seems oblivious or apathetic to the gender injustice that occurs before his eyes at the restaurant.
When Sterling invites Risa to the rally, she shows little interest. Though she does not say so explicitly, it appears she feels alienated from the Civil Rights and Black Power movements.
These interactions express the exclusion of women from most positions of official power in the civil rights movement. As one author writes:
The movement, though ostensibly for the liberation of the black race, was in word and deed for the liberation of the black male. Race was extremely sexualized in the rhetoric of the movement. Freedom was equated with manhood and the freedom of blacks with the redemption of black masculinity.[6]
Awards and nominations[edit]
1991 American Theatre Critics Association New Play Award, for the best new play not yet produced in New York [7]
1992 Tony Award, Best Featured Actor in a Play (Laurence Fishburne)
1992 Drama Desk Award Outstanding Featured Actor in a Play (Fishburne)
2007 Lucille Lortel Award for Outstanding Revival
1992 Pulitzer Prize for Drama[8]
1992 Tony Award for Best Play [4]
1992 Tony Award Best Featured Actor in a Play (Roscoe Lee Browne)
1992 Tony Award Best Featured Actress in a Play (Cynthia Martells)
2007 Audelco Award for Dramatic Production of the Year
^ a b c d Koking, Natalie (18 March 2019). "The Characters of August Wilson's TWO TRAINS RUNNING". Cincinnati Playhouse Blog. Retrieved 6 May 2022.
^ Rizzo, Frank. "'Trains Likely To Be Rep's Last Ride To Broadway" Hartford Courant, April 13, 1992
^ Churnin, Nancy. "A Director With a New Direction : Stage: Lloyd Richards, at the Old Globe for 'Two Trains,' will abandon some tasks to concentrate on what matters most to him: directing, teaching and searching out new talent." Los Angeles Times, March 15, 1991
^ a b "'Two Trains Running" Broadway", playbill.com, 2012, accessed April 12, 2016
^ a b "Study Guide, The Hill District, p. 4" Archived 2012-08-23 at the Wayback Machine theoldglobe.org, accessed April 12, 2016
^ "Black Women in the Black Liberation Movement", in But Some of Us Are Brave: A History of Black Feminism in the United States, mit.edu, accessed April 12, 2016
^ "Home".
^ "Pulitzer Prize, Drama" pulitzer.org, accessed April 12, 2016
Wilson, August (1992). Two Trains Running (First ed.). New York: Plume. ISBN 0-452-26929-6.
Two Trains Running at the Internet Broadway Database
Two Trains Running at the Internet Off-Broadway Database
August Wilson's Pittsburgh Cycle
Gem of the Ocean
Jitney
Joe Turner's Come and Gone
King Hedley II
Radio Golf
Seven Guitars
The Piano Lesson (1995)
Fences (2016)
Ma Rainey's Black Bottom (2020)
Retrieved from "https://en.wikipedia.org/w/index.php?title=Two_Trains_Running&oldid=1092871697"
All-Black cast Broadway shows
Off-Broadway plays
Laurence Olivier Award-winning plays
West End plays
Civil rights movement in popular culture
Plays set in the 1960s
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Articles needing additional references from October 2008
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Articles with unsourced statements from May 2022


The official UK home of Radhanath Swami, author of The Journey Home - a memoir of Radhanath Swami's search for spiritual truth. His teachings draw from the sacred texts of India such as The Bhagavad-gita, Srimad Bhagavatam, and Ramayana, and his own guru and spiritual teacher, A.C. Bhaktivedanta Swami Prabhupada. His aim is to reveal the practical application of the sacred traditions, while focusing on the shared essence which unites apparently disparate religious or spiritual paths.


text:
class Exception
  def to_ol_hash
    if ["development", "test"].include? ENV['RACK_ENV']
      {
        :class => self.class,
        :message => message,
        :backtrace => backtrace
      }
    else
      {
        :class => self.class,
        :message => message
      }
    end
  end
end

redpajama_set_name: RedPajamaGithub


text:
Trump: There's nobody I'd rather run against than 'little Michael'
By Fox Business on November 8, 2019 in Business News
The following video is brought to you courtesy of the Fox Business YouTube Channel. Click the video below to watch it now.
President Trump discusses the possibility of running against Michael Bloomberg in the 2020 presidential election, the latest on the China trade deal and the Democrats' impeachment probe. #FoxBusiness
FOX Business Network (FBN) is a financial news channel delivering real-time information across all platforms that impact both Main Street and Wall Street. Headquartered in New York — the business capital of the world — FBN launched in October 2007 and is one of the leading business networks on television, having topped CNBC in Business Day viewers for the second consecutive year in 2018. The network is available in more than 80 million homes in all markets across the United States. Owned by FOX Corporation, FBN is a unit of FOX News Media and has bureaus in Chicago, Los Angeles, and Washington, D.C.
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Fed Will Gradually Cut Another Three or Four Times, UniCredit's Nielsen Says
Plane Crew Aborts Takeoff, Fights Controls In DRAMATIC Emergency Landing In Atlanta
Ilhan Omar Is In HUGE Trouble After FBI, ICE Steps in to INVESTIGATE Her Sham Marriage!


Kinfonet Quote of the Day: So anchored to ideology, belief, our thinking becomes merely a process of enchainment.
Does not craving for security in any form indicate inward insufficiency? Does not this inner poverty make us seek, accept and cling to formulations, hopes, dogmas, beliefs, possessions; is not our action then merely imitative and compulsive? So anchored to ideology, belief, our thinking becomes merely a process of enchainment.
As long as we are using things, relationship or ideas as means to gratify our ever increasing psychological cravings, so long will there be contention and misery.


text:
Coronation 7s launched at Legends
National 7sRugby
URU in conjuction with Buganda Kingdom,Rhinos rugby club and Vivo Energy launched the 2019 edition of the Coronation 7s, to be hosted at Legends Rugby Club at Saturday, 20th July, 2019.
The Coronation 7s will be the fifth edition of the Roke Telecom National 7s Series, and second 7s series to be hosted at Legends this year after the Mileke 7s hosted by DusuPay Warriors. While it will be the third time the Coronation Sevens are being played, Rhinos are now hosting only for the second time.
"The plan is to have this long term. We are not going to be playing rugby but are also working on a theme around environmental conservation," said Alex Kalimugogo, Chairman Rhinos Rugby Club.
"This year will be bigger and we implore the press to get 1000 people here at Legends, and make it a celebration."
"This marks one of the events of the 26th Coronation anniversary of our Kabaka. It's a good celebration for the public to join in. The kingdom might not be as active in rugby and we're working around that clearly. It's a huge opportunity," said Prince David Wasajja.
"We want to promote rugby in Buganda. It has seemed limited to a specific community and we want to open it up. We believe the schools tournament is a way of developing the game, and it was successfully held."
"We're grateful to Shell for taking this on too and sponsoring our team hosts (Rhinos)and we shall all work together to promote the game."
"We want to bring awareness to the need to conserve the environment. That's one of the other initiatives under this celebration."
RELATED: 2019 National Rugby 7s series to kickoff at Kyadondo
The environmental theme of conservation is already underway as a the tree planting exercise was started at St Mary's College Kisubi, when the School's version of the Coronation Cup was played.
" We want to thank Legends and the media, for making sure we tap into the game of rugby as a kingdom. Sensitization is key here as we hope the game breaks deeper than its known social circle," remarked Buganda's Adam Ssematiko.
"We're proud sponsors of Rhinos, but still, we are proud to extend our love to all things rugby and not just Rhinos," remarked Vivo Energy's Rebecca Nassiwa.
"We'll be having lots of activations, and hampers and merchandise, including MOTM awards. Sabasajja awangaale."
Coronation Sevens will be part of the Buganda Kingdom's celebration package of the Coronation Cup, as the Kingdom aims to use Sports to celebrate Kabaka's Muwenda Mutebi's 26th Coronation anniversary.
Related tags : Coronation 7s Legends Rugby Club
Pazani and Barry to take charge of Elgon Cup in Kampala
Kenya Lionesses squad for second Elgon Cup encounter
Rugby Uganda: Buganda's Premier, CP Mayiga to grace Coronation 7s
2019 National Rugby 7s series to kickoff at Kyadondo


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text:
Vancouver pre-sales activity continues its hard deceleration
by Ephraim Vecina 30 Sep 2019
The decline in residential pre-sales in Vancouver was much larger than anticipated, according to a new analysis of MLA Canada figures by real estate information portal Better Dwelling.
Said data indicated that of the new releases in Greater Vancouver last month, only 102 pre-sales have been sold. This represented a sharp 77.8% annual decline, and accompanied a similarly dramatic 75.6% drop in new listings for pre-sales, down to 254 units.
The deceleration stemmed largely from developers responding to slow absorption rates by deferring the release of new supply – which fed into Vancouver's lower housing starts trend in August.
This came amid a series of late or cancelled developments, which has been reported by CMHC numbers covering that month.
"Compared to the same month last year, both multi-unit and single-detached home starts declined by over 17% in the CMA," CMHC stated.
Overall, however, "year-to-date starts in the CMA remained fairly stable due to a decline in singles starts which was offset by an increase in the multi-units segment."
To compare, overall housing sales in August was 2,231 transactions, which were 15.7% more on a year-over-year basis.
"In recent months, home prices have generally been stabilizing in British Columbia and the Prairies, a measure which had been falling until recently," CREA said.
"The national average price is heavily skewed by sales in the GVA and GTA, two of Canada's most active and expensive housing markets," its study added. "Excluding these two markets from calculations cuts more than $100,000 from the national average price, trimming it to less than $393,000 and reducing the year-over-year gain to 2.7%."
Vancouver prices suffer decline while much of Canada goes up
Lack of affordability hurts Canada's median earners the most


text:
Blood Fury (Black Dagger Legacy #3) - Page 50/82
He took another draw from the mug, not because he was particularly thirsty, but because he was done with the conversation. The facts had been shared, and he had tried to be honest without talking too much about how ugly it had all been.
How ugly he had been when he'd been there.
As the silence stretched out, he risked a glance at Saxton—
His breath caught. The male's eyes were full of compassion, not disgust or fear.
"Come sit down," Saxton said softly. "You're bleeding and I want to clean you up. Sit."
When Ruhn continued to just stand there, Saxton went over, took the male's hand, and nudged him toward the table. As Ruhn sat down, the coffee in his mug was wobbling because his hands were shaking.
That made two of them on the trembling front, Saxton thought as he walked to the sink and started the water to warm up. Peeling free a couple of paper towels from a roll mounted on a dowel, he tried to comprehend what Ruhn had been through.
No wonder the male's affect had changed as it had during the fight behind the restaurant—that blank stare had been more upsetting than the violence itself. Indeed, after living with the Brotherhood for this long and hearing their stories of being in the field? Saxton was more than well-versed in violence. No, the disturbing thing had been the fact that Ruhn had disappeared into some other part of himself and had had to be all but pried off his prey.
A wild animal unleashed.
Saxton tested the rush of water with his forefinger. It was warm enough. Pumping a little soap onto the Quicker Picker Upper, he got the towel wet and then turned back around. Ruhn was staring into the mug, his brows down, his shoulders tight.
One did not have to guess where the male had gone in his mind.
To have to save his sister and mahmen from being used as veins and no doubt sexual outlets for the fighters? Kept in a stall? All for the mistakes of his sire?
For ten years, penned up like a tiger, not knowing at any given hour whether he was going to be sent back into the ring to be beaten or killed. And along the way, he had to have been injured and learned to live with loneliness and pain.
It was too sad to even contemplate.
Walking over, he expected Ruhn to look up. When he did not, Saxton put his hand lightly on the male's shoulder.
Ruhn jumped and knocked his mug over. "Oh! I'm sorry—"
"I've got it." Saxton went back and snagged the paper towel roll. "Here. I've got it."
Unraveling a bunch of the Bounty or whatever it was, he threw the stuff down and let its absorbency work its magic.
"Turn toward me." He hooked his forefinger under Ruhn's chin and brought the male's face around. "That's it."
Ruhn flinched when he made contact, but Saxton was pretty sure that was more because, for him, reality was a jumbled-up mess at the moment.
"This is quite a cut," Saxton murmured as he went to work on a laceration over Ruhn's brow. "And it's getting more swollen by the moment. Maybe we should take you in to have Doc Jane or Dr. Manello look at this."
"I've had worse."
Saxton paused. "Yes. I'm sure you have."
As he resumed cleaning off the dried blood, he wished he could say the right thing, the proper thing…anything that could possibly relieve some of that decade. There were no words, however.
But there was a remedy.
"Is the fighting operation still ongoing?" he asked tightly.
Ruhn shook his head. "There was a revolt by the fighters about a year after I left. They got themselves loose, killed the guards and the enforcers, and slaughtered the boss. The compound is all overgrown now." He cleared his throat. "I went back, you see. Not once, but a couple of times. I was trying to…make sense of it all. Ultimately, I failed."
"I don't know how you could."
"As I said, I did it for my family. That is the only peace I have ever found." Ruhn exhaled long and slow. "But you know, I also regret that I let my sister down. Maybe if I had been home, she wouldn't have fallen in with that violent male. Perhaps I could have done something before he moved her so far away, up here to Caldwell. After I got out, I tried to find her, but she'd left no trail. My parents knew that he was dangerous—I think he must have relocated her as a form of control. I hate that she died without me there to save her."
"You did what you could," Saxton said sadly. "At the end of the night, that's all any of us can do."
He went back to the sink with what was left of the roll and got some wet with nothing but water. Over at Ruhn once again, he made sure he wiped all the soap away. The rest of what was on the male's face was bruising, and you couldn't clean that up.
"You say that I did an unselfish thing with Bitty," Ruhn said roughly. "I didn't. I saved her from me. What I did to those men out in that parking lot? I've got a bad side, and in the end, I knew she was safer with Rhage and Mary. Plus…what if she ever found out? She couldn't have a father like me."
"What do you think Rhage does for the race?"
"That's different. I wasn't saving anyone."
"Other than your sister and mahmen."
Saxton dried off the area. "This looks bad."
"It'll be all right." Ruhn glanced up. "You are very kind to me."
Saxton brushed a fingertip over the male's jaw. And then he stroked the thick hair back, and touched Ruhn's lower lip.
"You're cut here, too," he whispered.
Leaning down, he gently kissed the place that had been torn by a human's fist. And as he straightened, a warning started to go off at the base of his brain.
As much as he was attracted to Ruhn, and wanted to be with the male, hurt people…hurt people.
Yes, yes, it was the kind of thing you could see with a sappy image as a meme on Facebook, a trite little four-word construction that seemed custom-fit for the snowflake generation's perpetual, depressive sensitivity. But as a rescuer, it was entirely like him to take in a stray who had been abused. How did he know that Ruhn's past was truly over, though?
He thought of that look in the male's eyes—or rather the absence of expression—during that fight, especially when Ruhn had been about to snap the human's neck.
"It's okay," Ruhn said roughly as he pushed his chair back and got to his feet.
The other male took a step back. And then another. "I understand."
"Understand what?" Saxton asked.
"I don't trust me, either."
"I can see it in your eyes." Ruhn nodded. "And I get it. You're trying to reconcile what you saw with what you wish me to be. I live with that all the time. Every day when I close my eyes, I am reminded of the things I did. And if I forget, I just have to look in the mirror."
"Ruhn, don't make up my mind for me."
With rough hands, the male took off his jacket. Then he turned around and yanked his shirt all the way up to his shoulders.
Saxton gasped. That broad back was covered with a pattern of welts—except no, that wasn't it. They weren't marks made by a whip. The four-inch-long cuts were far too regular, too surgical—and there were at least thirty of them, fanning out from the spine. They had to have been brined into place, salt being poured over the open wounds when they had been made to ensure that the things didn't close and disappear as the skin regenerated.
"Thirty-seven," Ruhn said baldly. "I killed thirty-seven males with my bare hands. And every time I did, they took a knife to me and added to my tally. It was done for the crowd, so they would bet more money. It was for the show."
Saxton covered his mouth with his palm, tears spearing into his eyes.
As Ruhn pivoted back around, all Saxton wanted to do was throw his arms around the male and hold him until the memories didn't hurt quite as badly.
But it was obvious that was a no-go.
Ruhn pulled the shirt back into place and put his jacket on once more. "I'm going to go now. But you need to tell me where to drop Mistress Miniahna's things off." In a dead voice, the male tacked on, "And not to worry. I will not interact with the females. I'll leave the things in a safe place and stay away from them."
Next : Blood Fury (Black Dagger Legacy #3) - Page 51
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text:
AT-A-GLANCE / Planners & Calendars / Planners & Appointment Books / Weekly Planners / AT-A-GLANCE Fashion 2022 Weekly Appointment Book Planner, Red, Large, 8 1/4" x 11"
AT-A-GLANCE Fashion 2022 Weekly Appointment Book Planner, Red, Large, 8 1/4" x 11"
AT-A-GLANCE Fashion Color Weekly Appointment Book lets you organize your weekly schedule with a bold pop of color.
StartDate-EndDate Color swatch January 2022 - December 2022 January 2022 - December 2022 Color swatch January 2022 - December 2022 January 2023 - December 2023
Detailed Color: Red
DetailedColor Color swatch Red Red Color swatch Red Blue
This weekly appointment book has a fashionable red cover and is a brighter way to keep track of your busy schedule. The detailed, quarter-hourly appointment times help you stay on task all week long.
Guaranteed to last all year.* The bold red fashion color will show off your personal style. Planner covers 12 months from January - December with Julian dates.
One week per two page spread lists quarter-hourly appointment times for precise scheduling
Weekdays run from 8:00 a.m. - 9:45 p.m. and Saturdays from 8:00 a.m. - 5:45 p.m. Sundays are untimed.
Past, current and 2 future months calendar blocks also shown for quick date reference
Special pages include a personal profile page, 3 year reference calendar and contacts. Red faux leather cover with twin wire binding. 8 1/4" x 11" page size.
2-Page-Per-Week
Quarter-Hourly
8:00 a.m. - 9:45 p.m. Monday-Friday; 8:00 a.m. - 5:45 p.m. Saturday


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