Hertz bankruptcy: Rental car company asks for a loan as it tries to restructure – Roadshow

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The Hertz bankruptcy ordeal continues, and while the rental car company continues to offload used cars at some dirt-cheap prices, it still needs other sources of cash in the meantime.

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Unlocking your personal data: How it works  Technology helps campaigns scale voter turnout initiatives, but data-driven campaigns are as old as ballot boxes. Modern get-out-the-vote efforts date back to the 1970s, said Paul Westcott, vice president of L2 Political, a nonpartisan data provider. His firm creates voter mobilization tools for campaigns by bundling publicly available information with proprietary data.

The first is your voter file. In most states, your voter registration details are available through the Secretary of State’s office, including your home address, party registration, and voting history. This information can provide campaign strategists with enough information to target you with broad messages. 

The National Consumer Law Center, a legal services and consumer advocacy nonprofit, has an updated list of the various coronavirus-related protections against repossession passed by various states here.

Kate Phillips, Controller of Entertainment Commissioning at the BBS said in a statement: ‘It’s fantastic to have Gordon on board hosting this new prime time game show. It promises to test nerve, accuracy and knowledge as well as entertain you.’

The filing indicated the company has $1.4 billion of cash on hand, though revenue plunged 67% in the second quarter. If there’s a smidge of a silver lining, Hertz did say demand has slowly started to recover each month, but it’s nowhere near pre-COVID-19 levels. Still, the firm plans to offload another 182,000 cars in its rental fleet. According to the report, Hertz already sold off 100,000 cars as it reached a deal to forgo lease payments on the vehicles’ master lease to save money amid bankruptcy.

Campaigns use this data to raise money, find and persuade new voters, and compel their base to vote. Our phones give them a vast and high-quality amount of data, said CBS News political analyst Leslie Sanchez. 

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According to a Bloomberg report on Tuesday, Hertz filed for debtor-in-possession financing, indicating choppy waters ahead. DIP financing comes from creditors who believe a company has a solid recovery plan to execute as it works to restructure. But as a rental car companies are reliant on travelers, the industry’s likely in for a gloomy outlook considering the coronavirus pandemic continues unchecked in numerous parts of the world. 

A press release describes Bank Balance as ‘a high-stakes, high-pressure, game show where contestants need both knowledge and nerves to succeed, where they can literally build themselves a fortune or see it come crashing down in an instant’.

If you’ve skipped a car payment or two recently — or you worry you might have to miss an upcoming one — you’re not alone. Due to the coronavirus recession and record levels of unemployment, over 7% of all car loans in the US are currently in some sort of deferment program, according to recent data released by credit reporting agency TransUnion.

And don’t just stop paying your loan and hope for the best. Whether or not lawmakers decide the repo industry performs an “essential” function, or if the repo man has to wait for a treatment or vaccine like the rest of us before getting back to work, eventually your delinquency will catch up with you. With banks demonstrating some compassion right now for those who’ve suffered financial hardship, you might as well take advantage of one of their relief programs while you can. 

“One common technique is A/B testing where they have slightly different versions of the same [ad] video and deployed them to random samples of their Facebook users,” said Khanna “One group saw Version A and one group saw Version B … and [campaigns] were then able to test out which version was more effective.” 

You can refinance your car for a lengthier loan term with a lower monthly payment, but that will only work if you’ve already paid off a substantial amount of the principal. If you’ve only had your car loan for a year or two, you might actually still owe more than it’s worth. Also, your credit has to be good enough for a bank to underwrite a new loan for you, which may or may not be the case anymore. 

What you absolutely should not do  Whatever you do, don’t try to hide your car from your bank or the repo company. For one, you’re probably not going to beat them at their own game, and the longer it takes to find it (and the more difficult you make it), the more they’re going to charge you for their services in the end. 

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