May 25, 2020

Amazon effect to overhaul home-buying, mortgages with 5-day closings

Amazon effect to overhaul home-buying, mortgages with 5-day closings

  Business Insider is polling experts around Wall Street to learn what different areas of finance will look like in 2030. The home-buying industry transformed over the past decade, as it recovered from its disastrous role in the global financial collapse.We asked execs at companies innovating in the home-lending industry about what changes they see coming in the next decade. Experts expect the industry, which is still bogged down in byzantine, paper-heavy steps, to rapidly evolve in the coming years as the Amazon effect hits mortgage providers. In the not-too-distant future, tech advancements and continued partnerships between banks and fintechs could mean home-closings happen in days instead of dragging on for weeks. To get more news about WikiFX, you can visit WikiFX news official website.
Visit BI Prime for more stories.Home ownership is intrinsic to the American dream. But at the start of this decade, the notion had taken on the spectre of nightmare — a white-picket fence charred and mangled by excess, neglect, and complacency.The mortgage industry took center stage in the global financial collapse in 2008 and 2009, revealing an antiquated, deeply flawed process that, instead of serving as a beacon of prosperity and wealth, rained financial destruction upon millions of Americans. But destruction often affords the opportunity for rebirth.
The ensuing years have been spent clearing the detritus and installing safeguards to prevent such calamity in the future.They've also seen leaders in the home-lending industry — from tech startups propelled by a flood of VC cash to old-school stalwarts looking to keep pace or make amends for prior sins — use the disaster from the aughts as a chance to rethink and reimagine a cumbersome, inefficient system.We've traded robo-signing scandals — when thousands of lending employees, tasked with processing a glut of foreclosures, robotically and fraudulently signed off on piles of paperwork without verifying or vetting it, leading to billions in settlements against the largest financial institutions — for algorithmic underwriting and digital documentation that streamlined lending and, in some cases, reduced discrimination. Instead of filling out reams of paper in a stuffy bank office, today people can apply for a mortgage from the comfort of a smartphone."The mortgage-application process has been revolutionized by technology, allowing homebuyers to complete online what used to be a heavy load of paperwork,” Steve Boland, head of consumer lending at Bank of America, told Business Insider. It hasn't been perfect though. Some argue lending standards ratcheted up too much in reaction to the freewheeling pre-crisis era.
  "The financial crisis at the start of the decade really set the stage and has had widespread ramifications on the housing market,” Jason Bateman, head of Redfin Mortgage, said. "While credit standards were far too loose in 2006-2007, it's clear the pendulum swung way too far in the other direction.”Jamie Dimon, CEO of JPMorgan Chase, has railed against the perils of mortgage overregulation in public appearances as well, blaming it for preventing multitudes of would-be first-time homebuyers from claiming a piece of the American dream.And even with with all the technological improvements, the system often remains bogged down in enormous loads of paper, with mortgage application files still frequently running hundreds of pages long. But the next 10 years offer another opportunity to push the industry forward. We polled a handful of executives from innovative home-lending firms about what kind of changes would reshape the industry by 2030.
From closings in five days, to "everything stores” for homebuying, to a massive generational shift between boomers and millennials, here's how mortgage experts say the industry could change over the next decade. The Amazon effect hits homebuyingWhen we asked executives about the most significant changes they expected in the coming years, there was harmony in the belief there was a lot of fat still to trim in the system."While owning a home has long been the cornerstone of the American dream, it's head-scratching that in today's on-demand Amazon and Venmo digital world, the mortgage industry — with $15 trillion in assets — has remained painfully analog and plagued with inefficiencies,” said Vishal Garg, cofounder and CEO of mortgage-tech startup Better.com, a rapidly growing digital lending startup that has attracted more than $200 million in funding from backers.That sentiment was echoed by Nima Ghamsari, cofounder and CEO of Blend, another mortgage-tech startup that has raised nearly $300 million in funding and has more than 170 lending clients."We will see a major shift in how the homebuying process happens.
Right now, despite all the progress we've made as an industry, buying a home involves dozens of steps,” Nima Ghamsari, cofounder and CEO of Blend, said. "All of them are manual and require a lot of effort from the homebuyer.”Garg said he expected the "Amazon effect” to hit the mortgage industry, eventually allowing customers to deal with the process in one place — realtor, financing, title insurance, homeowners insurance, appraisals.Part of the inefficiency of the current system comes from customers having to jump through hoops and coordinate with a different service providers, which "puts a lot of pressure on the buyer and often her agent to quarterback the transaction and keep everyone informed and on track,” said Bateman, whose firm started out as a digital brokerage but has added mortgage and title capabilities. "The holy grail that we're all working toward is the end-to-end buying experience,” Bateman added."The holy grail that we're all working toward is the end-to-end buying experience,” Bateman added.Fintechs that started out focused on simplifying and automating mortgage applications and platforms have been using the large sums of investment capital they've attracted to build out their capabilities, adding services like title and homeowners insurance, home-equity loans, realtor and appraisal networks.
"In the next decade, we'll eliminate paper and friction from the homebuying journey and give consumers a one-stop shop where they can access all the tasks to get into a new home,” Ghamsari said. Banks and tech startups will continue to join forces In recent years, incumbents like JPMorgan Chase, Wells Fargo, and Ally have been handing off key components of their mortgage businesses to scrappy tech startups like Better, Blend, and Roostify.With margins thinning and competition intensifying from nonbank lenders like Quicken Loans and LoanDepot, a topflight digital-mortgage offering is becoming a standard requirement for banks. But the relationship is symbiotic. Part of the reason banking giants are investing in digital lending startups — Ally, Citi, Goldman Sachs, JPMorgan, Santander, and Wells Fargo have each put up capital — in addition to partnering or buying their services off the shelf is they recognize the value of these startups can grow dramatically with the scale and brand recognition that banks provide. "Whereas incumbents value startups for their speed and the opportunity to stay on top of potentially disruptive innovations, startups benefit from the scale and resources offered by larger established firms,” Garg said. Bank of America has been an exception to the trend, electing to dedicate a large chunk of its $10 billion annual tech spend to upgrading its internal and consumer-facing mortgage platforms, rather than outsourcing.

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Warburg Pincus-backed fintech Facet Wealth on client referrals

Facet Wealth is a three-year-old registered investment adviser with a fintech twist that’s tapping into major themes playing out across the wealth management industry.A focus on all-encompassing financial planning, subscription-based offerings, and regulation prompting financial professionals to act in their clients’ best interest are major drivers. Business Insider spoke with Anders Jones, Facet’s chief executive officer and co-founder, and Brent Weiss, co-founder and head of planning, about the firm’s growth plans.Visit BI Prime for more stories.If an investor assembled a basket of themes shaping the wealth management industry today and fed them into a blender, they would end up with a creation that looks a lot like Facet Wealth.To get more news about WikiFX, you can visit WikiFX news official website.
Facet, a Baltimore-based registered investment adviser with a fintech twist, uses Facet-branded digital tools to pair clients with certified financial planners who work remotely from homes around the US.The firm, founded by a financial planning executive and two venture capitalists, finds clients primarily by referrals from independent broker-dealers, hybrid robo-advisers, and traditional RIAs who might pass on them because their asset base is too small.Its 102 employees and 30 certified financial planners across 16 states service Facet’s 1,300 clients who are, on average, 55 years old. Anders Jones, Facet’s chief executive, told us its client base has been growing by 20% each month since July, and the average client has $350,000 in investable assets.
That places Facet’s client base in the so-called "mass affluent” set — well below what might be considered high- or ultra-high-net-worth clients that wirehouses like UBS are focusing their energy on as they look to boost adviser productivity.It’s a space where there’s competition from roboadvisers like Wealthfront, which has an account minimum of $500, as well as human advisers, though human advice often have higher account minimums. Personal Capital, for example, says it has a $100,000 minimum account size for customers to get human financial advice services. Fees, Netflix-styleFacet charges clients a flat fee to work with their advisers, leaning on a subscription model, a la Netflix. Brokerages Charles Schwab and TD Ameritrade have channeled Netflix in pricing and recommendation products, respectively, rolled out this year. Depending on how extensive Facet planners’ services are, clients’ flat fees range from $480 to $5,000 per year.Revenue that comes in from clients’ subscription fees goes to Facet, while all of its financial planners are salaried — and planners’ take-home pay is not tied to the revenue they generate. "I’ve been a big believer that the AUM model does not make sense,” Jones said in a recent interview, referring to the wealth management industry’s traditional fee model that ties advisers’ pay to their clients’ total assets under management.
  Jones, formerly a founding partner at the firm Argyle Ventures, started Facet in 2016 with co-founders Brent Weiss, now head of planning, and executive chairman Patrick McKenna.That year, the Obama administration’s Department of Labor passed the fiduciary rule — which stated advisers must act in the best interest of their clients, a rule that’s been overturned under the Trump administration’s DoL — and Jones called that an "a-ha moment.”The Securities and Exchange Commission’s "Reg BI” rule passed earlier this year that states financial professionals must disclose what fees and costs their clients may incur. In response, the CFP Board has created a new code of ethics and standards, which were effective last month, which designated its planners as fiduciaries. "The future of this industry is about financial planning,” as opposed to solely offering investment management advice, Jones said.He likened his firm’s approach most closely to digital wealth management firm Personal Capital, which offers free online savings tools and also employs human advisers. Facet does not implement account minimums, and its clients typically fall into three groups: young professionals, early- to mid-career families, and pre-retirees. It has some $100 million in assets under management, with assets under advisement around $500 million.Expansion plansTo date, Facet has raised some $37 million after a Series A round led last fall by the private equity firm Warburg Pincus and an earlier investment from Slow Ventures.
With that funding, it’s been able to expand. After the robo-adviser Wealthfront in August absorbed team members from financial-planning start-up Grove, Facet took on Grove’s planning business, members of its planning team, and their clients who weren’t integrated into Wealthfront for an undisclosed amount. To be sure, even as new and digital entrants crowd the wealth management industry and gain market share, legacy wirehouses (the large, full-service broker-dealer institutions) still oversee trillions in wealth. Morgan Stanley, UBS, Wells Fargo, and Merrill Lynch manage a combined $9 trillion in client assets as of their third-quarter filings; Morgan Stanley is the largest wealth manager in the US by assets.And as we reported, analysts increasingly believe scaling up in the wealth management business, which includes consolidation and gobbling up smaller players, will keep firms competitive.Brent Weiss, a Facet co-founder and head of planning, told us in a recent interview that he thinks its subscription model for mass-affluent clients makes it stand out from firms with more traditional models."Our subscription model really becomes a unique differentiator in that space where we can go to those families and say, ‘Hey, we know you need some help with your financial life plan. Let’s talk about it for an affordable flat fee,’” he said. "And that creates great practice in that space.”

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Bank of America client talking points on how to apply for PPP loans

Bank of America client talking points on how to apply for PPP loans

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 WikiFX, 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.”

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Whether United States Escapes Deflation Will Affect Treasury Bond Market

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 WikiFX, 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.

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Special Promo Code for Argentum Senior Living Executive Conference

The Argentum Senior Living Executive Conference, which takes place April 15-17 in San Antonio, offers unmatched opportunities to connect with leaders and experts in our field, discover solutions to common challenges, stay abreast of key trends, explore innovative technology, and learn core strategies to advance business operations and careers. Argentum is offering a special promo code – STATE50 – for members to receive $50 off a full conference pass. Try to find ways to save much money? discountscat is the best place for you to get coupons, vouchers and deals to help you save much money on your purchase. To get more news about discounts cat, you can visit discountscat official website.

Event highlights include a deep dive on women in leadership, solutions to sales and occupancy challenges, insight into growth markets, and sessions produced in partnership with the National Investment Center for Seniors Housing & Care (NIC) and the Senior Dining Association.

To learn more about the conference, visit Senor Living Executive Conference. Early Bird Deadline expires March 14, so don’t delay…register today!Want to get the highest quality products with the lowest prices while shopping?Buy Now

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3 best places to get money-saving promo codes online

Who wants to pay more than they need to at the store? No one. That’s why retailers used to get our attention by putting coupons in the Sunday paper and then dedicated coupon circulars.Try to find ways to save much money? Promosstore is the best place for you to get coupons, vouchers and deals to help you save much money on your purchase. To get more news about booktopia discount code, you can visit promosstore official website.

With the Internet, money-saving coupons are online and much more convenient. You just need to know where to find them. Fortunately, we know where they’re hiding and we’re happy to share them with you!When you’re in the shopping cart on a website, you usually see the words "promo code.” A promo code, short for promotional code, is a digital coupon. You "clip” it by copying a random string of characters from an email or website and pasting it into an online storefront during checkout.

Promo codes unlock all sorts of special deals, such as instant savings on one item, a percentage off of your entire purchase or even free shipping. Many of these deals are exclusive to online shopping and save you big bucks.

So where can you find promo codes? You can sign up to get emails from retailers and they’ll send them to you. You can also visit one of the websites that collects promo codes so you can find big savings for your favorite online stores in one spot.

Before we talk about promo code websites, we want to remind you that we send out regular promo codes for the Komando Shop. For example, this weekend you can use promo code CASH10 to save $10 on any order of $49.95 or more. To get these exclusive deals on my recommended tech gadgets and accessories, subscribe to the Kim’s Store Insider newsletter.

With that said, here are some of our favorite sites to get promo codes for your other favorite stores.

For bargain hunters who want an all-in-one solution, RetailMeNot is a blessing. The site lets users upload promotional codes from around the world. If you have a favorite place to shop, there’s a good chance you can find a deal for it.

Not only that, but RetailMeNot also has a mobile app compatible with both iOS and Android. Click here to visit the RetailMeNot website or download the app. When you walk into a store, you can quickly check to see if there are savings available you didn’t know about.

It’s incredibly annoying to go through the trouble of picking out items to purchase, going through most of the online checkout process and then finding out the promo code you were relying on for savings doesn’t work. Maybe the person who uploaded it misspelled something, or perhaps it expired already.Want to get the highest quality products with the lowest prices while shopping? Read More

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Promo codes for online discounts easy to find

Most of us have experienced it: After completing online shopping, we click on the "Checkout” icon to see how much we owe. Up pops an empty box. We’re invited to enter a promotional code -- a code that undoubtedly would save us big bucks, if we had one, which we don’t.Try to find ways to save much money? Promosstore is the best place for you to get coupons, vouchers and deals to help you save much money on your purchase. To get more news about <b>Promosstore</b>, you can visit promosstore official website.

Take heart: These days, finding promotional codes isn’t difficult."Retailers used to provide these codes only to select customers,” The Christian Science Monitor noted in a recent report.

"But an economy in free fall has inspired more consumers to scour the Internet for deals. Minus a few exceptions, stores are desperate to unload merchandise and haven’t fussed much about the widespread dispersion of their codes, which can offer consumers serious discounts.”

About 75 percent of online retailers now offer promotional codes or coupons, said Lenka Keston, product marketing manager, which works with more than 5,000 retailers.

Last week, a visit to the Web site would have yielded codes good for, among other things, 10 percent off orders, free shipping on orders of more than $49 and $5 off any order of $50 or more.

"It’s really hard for a retailer to be competitive without them now,” Keston told the Monitor. "Now, if you want to compete online and you don’t offer the codes or coupons, the consumer will go to your competition.”

In December, 31 million people or one of the many other Web sites that aggregate promotional codes and coupons -- That’s a 46 percent increase from December 2007.

"It’s easy to find promotional codes online,” said Lisa Lee Freeman, editor of ShopSmart, a magazine produced by the publisher of Consumer Reports. "Just go to Google and type in the words promotion code and the name of the Web site where you’re shopping.”

Similarly, Freeman said, anyone considering a major in-store purchase should look online for coupons."Always check the first day of the month,” she said. "That’s when they typically load the new coupons.”Want to get the highest quality products with the lowest prices while shopping?visit homepage

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Illinois begins selling lottery tickets online

just three minutes after Illinois officially became the first state to sell lottery tickets online — the first ticket was purchased.Get more news about 菲律宾彩票包网服务 ,you can vist loto98.com

A few hours later, more than 600 people had bought tickets, with sales topping $5,000. Lottery officials said they expected the fast pace of sales to continue through to Tuesday evening's Mega Millions drawing, where the jackpot is an estimated $356 million.

Illinois Lottery officials, who have touted online sales as a way to keep up with the times and also help a financially struggling state, said moving games of chance online just made sense.

"There are lots of people who buy most of their products over the Internet," Illinois Lottery Superintendent Michael Jones said Sunday.

Online sales were given federal approval in December when the U.S. Department of Justice reversed its decision on allowing Internet gambling. Other states are considering similar programs and are closely watching to see if Illinois succeeds.

Lotto and Mega Millions tickets were made available Sunday. More games, including Powerball, may be added in the future. Any addition would require legislative approval.The move has received some scrutiny as critics worry that online sales will enable underage gambling and fuel gambling addictions.

Jones said that several measures have been put into place to monitor age — Users must register, provide a Social Security number and address and check a box verifying they are at least 18 years of age. Also, anyone who wins more than $600 has to file a claim form.

"We will investigate each one of these clients," Jones said.

Jones dismissed the concern that online sales will worsen addictions.

"They're conflating forms of gambling. Lotteries are a very, very different form of gambling because of their nature," he said. "You risk a small amount of money against very long odds. We don't offer the kind of action that's usually associated with addictive behavior."

Jones said his biggest worry was ensuring that the technology works.

Lottery officials have projected that online sales for Mega Millions will bring in between $78 million and $118 million in new sales. Projections for Lotto weren't available.

The Illinois Lottery was founded in 1974. Lottery officials say it's contributed more than $17 billion to the state funds, including for schools and capital projects.

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NC man plays lottery online ‘on a whim’ during coronavirus pandemic

This article has Unlimited Access. For more coverage, sign up for our daily coronavirus newsletter. To support our commitment to public service journalism: Subscribe Now.Get more news about 彩票免费包网,you can vist loto98.com

A North Carolina man bought online lottery tickets "on a whim” during the coronavirus pandemic — then woke up to a big surprise, officials say.

Tony Rawls was still groggy when he "received a notification he’ll never forget.” It was the results of the April 3 prize drawing, the N.C. Education Lottery said Monday in a news release and on Twitter.

"Of course, it’s 4 o’clock in the morning and you’re not wide awake, and I woke up my wife and I said, ‘Come here and look and see if you’re seeing the same thing I’m seeing,’” Rawls told lottery officials.

That’s when she also got a glimpse of the message that said they won a $375,990 jackpot prize, according to the news release.

"It’s life-altering,” Rawls said in the release. "It puts a different perspective on our retirement plan.”

Officials say the couple’s good fortune started when Rawls decided to play the lottery from his home office computer. He is from Colerain, which is in Bertie County and roughly 130 miles northeast of Raleigh.

Online games had been around before the COVID-19 pandemic, but the lottery made adjustments due to the statewide stay-at-home order. Now, players who win more than $100,000 aren’t required to pick up their prizes at claim centers, according to officials.After taxes, Rawls and his wife, Jolene Morris, got $266,027, the lottery said in its news release. But they won’t stop trying their luck for now.

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How to play the lottery online

Many people now find that playing the National Lottery (Lotto) online is much easier than travelling to a shop to write out a ticket. You can also play a number of lines for a number of weeks, save your numbers for next time or set up a direct debit so that you never miss a draw.Get more news about 彩票API,you can vist loto98.com
Playing online also means that if you do happen to win anything, you will automatically receive an email giving you the good news!
Step 2: You will need to sign in, but if you have not got an account for the Lottery, you will need to set up a new account. Click Open Account.

Step 3: Complete your personal details in the boxes provided and your address and payment details.

Step 4: Once you have set up your account, you can start to play the National Lottery online.
Step 5: Sign into your account using the details with which you registered.

Step 6: Once you have signed in, you will be taken to the home page. At the top right hand corner your account information is shown, with your account balance and any messages that you may have.

Step 7: If you have funds in your account, you can now play lottery games such as Euromillions or Lotto or play instant games, which are the online equivalent of a scratch card.
Step 8: To play Lotto or Euromillions, hover over Play Games. Choose the game you wish to play from the list, in this case we have chosen Euromillions.

Step 9: On the online play slip, choose the draw day you want to enter your numbers for, how many weeks the numbers will be put into the drawer. Then click into each number box and enter your numbers. If you want to choose lucky dip numbers, click on the Lucky Dip button and numbers will be automatically entered into the boxes, but until you complete the transaction you will only see 'LD' in the boxes.
Once you have finished the number of lines you want to play, click the Play button. The amount of money will show at the bottom of your play slip and this will be deducted from your account balance.

Step 10: Once you click play, you will be shown a confirmation page. If you are happy to continue, click Buy now, if not click cancel, or Edit play slip to go back and enter different numbers.

Step 11: The next page will then show your ticket confirmation and the numbers you have chosen, or the lucky dip numbers if you chose this. If you wish to play the Lotto, follow the same instructions as above, but choose Lotto from the list of games in Step 8.
Step 12: If you don’t have enough money in your account balance to play, you will get an automatic alert when you try to buy a ticket and taken to the add funds page. You can also add funds manually by clicking on the add funds link and following the onscreen instructions.
Step 13: It is also possible to set up a direct debit instruction for continuous play. Follow the instructions from the home page by clicking on the link.

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GooBit is an international digital currency exchange established

GooBit is an international digital currency exchange established The founder team of GooBit consists of the best experts in the fields of finance, web development and high-frequency algorithm trading. GooBit is an international digital currency exchange established in 2017 and registered in the Seychelles. on GooBit aims to create a 100% transparent digital trading experience for customers. We provide an easy-to-use trading platform and are committed to educating our customers. Our company attracts successful and profitable traders. They have a large trading volume and are able to earn profits for their customers. It is our pleasure. Our value 01 Customer: Providing the best customer service is our aim. There are more than 50 account managers dedicated to serving customers to meet their needs 02 Reliability: As an industry leader, we provide customers with more protection. We do more and better than anyone else to meet the needs of our customers. 03 Convenience: We provide a simple trading platform so that everyone can become a trader. GooBit is compatible with all current computer platforms: webpage, Windows, MacOS, iPhone, iPad and Android. 04 Speed: We use cutting-edge technology to provide the fastest transactions, and the operation of the user interface will not be delayed or interrupted. Multiplatform Our trading platform is available on all devices Security standards Verified by Visa and MasterCard All data is encrypted with the strongest cryptographic algorithm Accurate quotation Real-time market data provided by leading analytical agencies 10М + GooBit Register Account 2017 Start to provide services 10M + Monthly execution of transactions

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We provide an easy-to-use trading platform

We provide an easy-to-use trading platform

 

 

The founder team of GooBit consists of the best experts in the fields of finance, web development and high-frequency algorithm trading.

GooBit is an international digital currency exchange established in 2017 and registered in the Seychelles.

on

GooBit aims to create a 100% transparent digital trading experience for customers.

 

We provide an easy-to-use trading platform and are committed to educating our customers.

 

Our company attracts successful and profitable traders. They have a large trading volume and are able to earn profits for their customers. It is our pleasure.

Our value

01 Customer: Providing the best customer service is our aim. There are more than 50 account managers dedicated to serving customers to meet their needs

02 Reliability: As an industry leader, we provide customers with more protection. We do more and better than anyone else to meet the needs of our customers.

03 Convenience: We provide a simple trading platform so that everyone can become a trader. GooBit is compatible with all current computer platforms: webpage, Windows, MacOS, iPhone, iPad and Android.

04 Speed: We use cutting-edge technology to provide the fastest transactions, and the operation of the user interface will not be delayed or interrupted.

Multiplatform

Our trading platform is available on all devices

Security standards

Verified by Visa and MasterCard

All data is encrypted with the strongest cryptographic algorithm

Accurate quotation

Real-time market data provided by leading analytical agencies

10М +

GooBit Register Account

2017

Start to provide services

10M +

Monthly execution of transactions

 

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주요 분석 기관이 제공하는 실시간 시장 데이터

주요 분석 기관이 제공하는 실시간 시장 데이터

 

 

 

GooBit의 창립자 팀은 금융, 웹 개발 및 고주파 알고리즘 거래 분야의 최고 전문가들로 구성되어 있습니다.

GooBit2017 년에 설립되어 세이셸에 등록 된 국제 디지털 환전소입니다.

소개

GooBit은 고객에게 100 % 투명한 디지털 거래 경험을 제공하는 것을 목표로합니다.

 

우리는 사용하기 쉬운 거래 플랫폼을 제공하며 고객 교육에 최선을 다하고 있습니다.

 

우리 회사는 성공적이고 수익성있는 거래자를 유치하며, 거래량이 많고 고객에게 이익을 얻을 수 있습니다.

우리의 가치

01 고객 : 최고의 고객 서비스를 제공하는 것이 우리의 목표입니다. 고객의 요구를 충족시키기 위해 전념하는 50 명 이상의 계정 관리자가 있습니다.

02 신뢰성 : 업계 리더로서 고객에게 더 많은 보호 기능을 제공합니다. 우리는 고객의 요구를 충족시키기 위해 다른 누구보다 더 많은 일을합니다.

03 편의성 : 우리는 간단한 거래 플랫폼을 제공하여 모두가 거래자가 될 수 있도록합니다. GooBit은 웹 페이지, Windows, MacOS, iPhone, iPad Android와 같은 모든 현재 컴퓨터 플랫폼과 호환됩니다.

04 속도 : 우리는 최첨단 기술을 사용하여 가장 빠른 거래를 제공하며 사용자 인터페이스 작동이 지연되거나 중단되지 않습니다.

멀티 플랫폼

우리의 거래 플랫폼은 모든 장치에서 사용할 있습니다

보안 표준

Visa MasterCard에서 확인

모든 데이터는 가장 강력한 암호화 알고리즘으로 암호화됩니다

정확한 견적

주요 분석 기관이 제공하는 실시간 시장 데이터

10М +

GooBit 등록 계정

2017

서비스 제공 시작

10M +

매월 거래 실행

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May 18, 2020

Don’t Be the Next Victim of TurboForex!

In speaking of investment, broker scams in forex trading seem to be a recurring theme. As with many industries, the fast growing forex industry also has plenty of predators, who look to take advantage of newcomers. The following story is shared by SaFWat, an investor who sought WikiFXs help after being defrauded by TurboForex. He reported the illegal broker to warn other investors against it.To get more news about AAFT GLOBAL, you can visit WikiFX news official website.
  Beware of TurboForex! I have been a customer of this forex broker since last May and have deposited US$2,000 in my account. At first, I received US$1,000 bonus from TurboForex WITHIN 24 HOURS! Thats pretty weird because I just started funding my account, but I thought I was lucky then (I must admit that I was a newbie and I entered a field that I knew little about). After around half a year, I decided to withdraw my money but only to find that my request was rejected. I was told by the customer service that CashU can only be used for deposits, not withdrawals. So I switched to another withdrawal option (they only support VISA or MasterCard), but AGAIN I was turned down! I kept on contacting the broker by e-mail and chat and sent the correct bank information every time but I got NO RESPONSE. I had made over 10 attempts to withdraw without any luck…the broker refused to pay out my money and might have escaped!
  Many investors may ask, "It looks like the broker‘s offer can bring me big profits, but it may also be a way to trick me into making deposits, so how can I know whether my broker is a compliant one or not? And how should I avoid being scammed?” The first step is to do a thorough search. That means checking a broker’s profile in detail, such as location of the broker’s headquarter, how long it has been in business, its regulatory status and customer feedback. Make sure you dont miss anything suspicious. If you feel you are being scammed, contact us at wikifx@wikifx.com for assistance to recover your money. You can also download "WikiFX App”, a broker inquiry app, at Google play or apple store.

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Beware of AAFT GLOBAL That Blocked Investor’s Withdrawal!

Last month, WikiFX exposed illegal broker AAFT GLOBAL whose unauthorized manipulation of investor‘s account wiped out investor’s entire account balance. One month later, the broker is again in the spotlight for blocking investor‘s withdrawal, while its official website became inaccessible and customer service remained out of reach. Let’s see some more details of the event.To get more news about WikiFX, you can visit WikiFX news official website.
Similar to the previous exposure case, Mr. Shi also opened an account at AAFT GLOBAL through a so-called "financial adviser”, but his trading didnt go well and he soon lost some money due to high market volatility. In order to curb losses, Mr. Shi decided to withdraw the remaining balance, but the withdrawal turned out extremely difficult.
  When submitting the application, Mr. Shi frequently encountered problems such as website breakdown and application submission failure. After consulting the customer service, Mr. Shi tried again, but found that he could not even enter the amount of withdrawal. Again he tried to contact the customer service via the brokers website and from his mobile phone, but neither worked. Until now, Mr. Shi still cannot withdraw his account balance.
WikiFX exposed AAFT GLOBAL in an article a month ago, but apparently some investors failed to take the warning. All the exposure articles of WikiFX are based on the real experiences of investors, most of which have suffered heavy losses on illegal platforms, so investors should definitely watch out for these exposed scam brokers.
  As we mentioned before, AAFT GLOBAL‘s official website is clearly flawed, and investors can notice the traps if they take a closer look. Both the Chinese and English versions of the introduction on AAFT GLOBAL’s official website offered ambiguous descriptions about the company’s regulation, raising doubts among investors, while its advertisements were also suspected to be misleading.
According to WikiFX App, AAFT GLOBAL is currently unregulated and has been in business for less than a year. The broker has a low rating of only 1.89 on WikiFX App and bears tremendous risks, so investors should definitely stay away from it.
  WikiFX have now exposed countless illegal brokers through the articles based on thousands of investor complaints, and investors can draw valuable lessons from these peer experiences. If the broker youre looking up has been exposed before, please be careful and mind the risks.

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Events That Will Shape the FX Market at the End of 2019

November‘s US Nonfarm Payrolls released on December 6th (EST) sits at 266k, much higher than expected, and unemployment rate dropped from 3.6% to 3.5%, the lowest in nearly a decade. A robust job market seems to indicate a rally in US economy, which kindled market discussion about the US Federal Reserve’s future monetary policy. Usually, the NFP of Decembers first Friday is considered to non-officially wrap up the year, but this year seems like an exception.To get more news about WikiFX, you can visit WikiFX news official website.
UKs general election that will soon take place is definitely a spotlight event.
  Public opinion poll shows that the Conservative Party, despite its falling support rate, is still ahead of the Labour Party by double-digits. But some also note that the situation resembles that in 2017 when many expected the Tories to win a majority. Currently, the sterling has surged to a record high in 7 months against both US dollar and euro as the market anticipates the Brexit outcome and leaves the market vulnerable to a "buy the rumor, sell the fact” type of activity. The upcoming election will definitely lead to great volatility of the GBP, drawing much attention from the market.
  Another big news likely to affect the forex market is President Trumps decision on tariffs. China-US trade war has lasted for over a year, with ongoing negotiations between the 2 countries. President Trump had previously announced an additional 15% tariff on approximately US$1.6 trillion of imports from China, including many consumer goods. But given that the US had postponed tariff raise twice before, and President Trump also sounded rather upbeat in his recent remarks, implementation of the tariff will likely be put off again. For investors, this indicates a truce, which they definitely wish to see last longer. If the US insists on raising the tariffs, the stock market and risk assets could plunge while the yuan would likely weaken in a knee-jerk fashion. China will have to react and increase its tariffs as well. The falling demand due to less competitive exports, combined with rising import costs brought by the new tariffs, will deal a new blow on the economy.
In addition, the newly elected ECB President Christine Lagarde will soon host her first monetary policy meeting as head of the EU central bank. Although there aren‘t much big changes expected from the ECB, the market still look forward to any decisions from the meeting that may signal the bank’s future policies.
  Although its near the end of the year, the forex market remains subject to the influence of many major events. And as a leading forex media, WikiFX continues to present market news and analysis for investors. You may also visit WikiFX website, App or Facebook page to view more information.

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BIS Warned the Forex Market against Possible Liquidity Crunch

Bank of International Settlement (BIS) recently issued a warning to the forex market, saying that the proliferation of forex platforms and investment channels has led to a greater dispersion of capital, which can increase the risk of liquidity crunch for some forex brokers in times of high market volatility. Though JP Morgans latest global forex volatility index is at a record low since 2014, the forex market faces new risks as signs of fluctuation emerge.To get more news about WikiFX, you can visit WikiFX news official website.
  When under pressure, forex brokers might ration liquidity and prioritize the clients who are more closely associated with them, such as those that stick to their single-bank platform, while those trading across platforms could experience serious liquidity evaporation. BIS estimates around US$9 trillion of forex payment faces such risk per day, and as instant-market-crash become more frequent recently, the exchange rates can experience significant ups and downs out of established trading ranges in just minutes, even seconds.
  The pound sterling once experienced such flash crash in October, 2016 plunged to its lowest in 30 years; another example is the Swiss Franc which fell drastically against the Euro in January, 2015 due to sudden cancellation of the cap on CHFs value against EUR.

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Farmington Hills man wins largest online lottery prize in state history

A Farmington Hills man says his wife had to check for herself before she would believe that he’d won a $3 million Mega Millions prize this week.Get more news about 菲律宾彩票包网平台,you can vist loto98.com

"I was checking my tickets online Wednesday morning, and out of the corner of my eye I saw the $3 million winner,” said David Smith, 59. "I called my wife right away and it took me 10 minutes to convince her we’d won $3 million.

"She was still skeptical, so she had me send her a screenshot and then Googled the numbers herself. We were both stunned. We’re still in shock.”Smith matched all five white numbers drawn — 20-34-39-43-57 — in Tuesday’s drawing to win a $1 million prize. However, he also played the game’s Megaplier option, which was 3X the winning value for the drawing, increasing his win to $3 million.

He bought his ticket online and according to the Michigan State Lottery, it’s the largest prize ever sold online in state lottery history. Two players have won $1 million. In February 2015, Pam Rawson, of Grand Junction won $1 million playing the Diamond Payout instant game. In July 2016, Tammy Weadock, of Onsted, won a $1 million Powerball prize, the Michigan Lottery said.

Smith visited Michigan Lottery headquarters Friday to claim his prize. With the winnings, he plans to complete some home improvement projects, take a family vacation and save the remainder.

"Winning takes so much pressure off with our retirement coming up in a few years. We couldn’t be more thankful and humble,” Smith said.

Smith’s win marks the third time in as many weeks that a player from Michigan has won at least $1 million playing the Mega Millions.Last Tuesday, Greg Ricardi of Clinton Township won $1 million while playing the Mega Millions. He said he "couldn’t stop smiling” after his big win.

A week before that an Eaton County man won $1 million which will help provide financial security for him after health issues have impacted him in recent years.The last players from Michigan to win a Mega Millions or Powerball jackpot were Kevin and Stephanie Blake of Waterford who $21 million after splitting a $42 million jackpot on Oct. 13, 2017. Kevin picked the winning numbers by using a combination of family birthdays. After winning, the couple said they would not retire and would continue working.

And while they were lucky winners, it’s smart for players to check their tickets immediately as a winner worth $1 million sold in Ypsilanti last year went unclaimed. The ticket was purchased at the CVS in Ypsilanti, but the winner never came forward to claim the prize. The money instead went to the state’s School Aid Fund.

If you’d like to be the next player from Michigan to win a huge lottery prize, take a look at these tips from lottery expert Richard Lustig. The author of "Learn How To Increase Your Chances Of Winning The Lottery” has won more than $1 million in Florida by winning top jackpot prizes in smaller games.

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Woman wins $2M lottery prize with same numbers that won her $50,000

A North Carolina woman won a $2 million Powerball prize using the same number combination that won her $50,000 just three years earlier.Get more news about 彩票包网平台,you can vist loto98.com

Shanika Miller of Durham told North Carolina Education Lottery officials the Powerball ticket she bought using the lottery website’s Online Play option bore the same numbers she always uses — her children’s birthdays.I keep my same numbers,” Miller said. "I never switch them up.”

The numbers earned Miller a $2 million prize in the April 4 drawing.

"I woke up in the morning around 6 and looked, and I was crying,” Miller said. "I said, ‘No, this can’t be real.’ I kept checking it and checking it and checking it.”

She said the lucky digits previously earned her a $50,000 jackpot in a 2017 drawing.

The winner said her plans for the money include buying her son a car.

"I’m gonna buy my family a house and pay all my bills off,” she said.

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China’s Ambassador to Israel Found Dead in Home

The Chinese ambassador to Israel was found dead in his home north of Tel Aviv on Sunday, Israel’s Foreign Ministry said.Israeli Police Spokesman Micky Rosenfeld said the ambassador’s death was believed to be from natural causes.To get more China news, you can visit shine news official website.

Du Wei, 58, was appointed envoy in February in the midst of the coronavirus pandemic. He previously served as China’s envoy to Ukraine. He was found dead at the ambassador’s official residence in Herzliya.

He is survived by a wife and son, both of whom were not in Israel.

Israel enjoys good relations with China. Bilateral trade has grown in recent years, as have American concerns over Chinese investment, and concerns over spying on one of its key regional allies.

The ambassador’s death came just two days after he condemned comments by visiting U.S. Secretary of State Mike Pompeo, who denounced Chinese investments in Israel and accused China of hiding information about the coronavirus outbreak.

Pompeo told Hebrew-language daily Israel Hayom that the U.S. and Israel have an opportunity to "build upon our relationship rather than give the Chinese Community Party the opportunity to undermine it.”

The Chinese Embassy published an op-ed in the Jerusalem Post on Thursday rebuffing Pompeo’s claims that China was responsible for the outbreak and American concerns about Chinese investment in Israel.

"We trust that the Jewish friends are not only able to defeat the coronavirus but also the ‘political virus,’ and choose the course of action that best serves its interests,” the embassy said.

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