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阿里巴巴刚接到巨额罚单182亿之后,昨日(4/12)中国监管机构央行、证监会、银保监会、外管局针对蚂蚁集团的整顿方案提出重要的改革方向,,必须改正支付业务的不当竞争行为;断开支付宝、借呗、花呗与金融产品的不当连结;降低余额宝余额等。对于平台金融监管还须符合:防范金融风险、纳入监管、保障数据财产,也让蚂蚁透过申请成为金融控股公司,借此符合前述的金融监管要求。
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前些日子说到疫情的缓和,经济活动的恢复都将有利于推升原油价格,也代表未来的经济复苏能够期待,由于各机构陆续对美国接种疫苗的速度进行追踪,目前已有22%的人口完成接种,推动娱乐休闲方面的产出值,石油前景看好布兰特原油收盘在每桶63.16元微幅上涨。

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Director Jon M. Chu missed ‘Wicked’ premiere to welcome fifth child
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“Wicked” director Jon M. Chu couldn’t attend the film’s premiere in Los Angeles, and the reason is quite “wonderful.”
Chu shared on his Instagram Stories that he and his wife Kristin Hodge welcomed their fifth child on Saturday, writing that he “can’t believe this happened while the movie is premiering.”
“Magic is in the air,” he wrote, sharing a photo of Hodge holding their newborn daughter.
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He added a note to his new addition: “Welcome to our world, you’re gonna do great. You have a lot of witches on your side.”
“Wicked” stars singer Ariana Grande and Oscar-nominated actress Cynthia Erivo star as witches Glinda and Elphaba, respectively. The two-part movie is a cinematic adaptation of the famed Broadway musical, which is a prequel to “The Wizard of Oz” and tells an alternate version of events in Oz before Dorothy’s arrival.
Chu may not have been able to physically attend the premiere but his presence was felt.
According to footage from inside the theater posted online, a video of Chu speaking from the hospital was played before the movie began.
“I’ve waited for three years to have this moment to share a movie with you but I’ve waited my whole life to have this moment, to have a fifth child right now,” he said in the video, as the audience was heard collectively “aww-ing” at the sentiment.
With a laugh, Chu added that “of course, this little girl knows when to show up.”
Jonathan Bailey, Bowen Yang, Ethan Slater, Michelle Yeoh and Jeff Goldblum round out the ensemble cast.
Part one of “Wicked” will soar in theaters on November 22. The second film is expected in November 2025.
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Investing in Ethena: A New Era in Decentralized Finance
As decentralized finance (DeFi) continues to reshape the global financial landscape, Ethena has emerged as a leading player. Offering innovative solutions for digital asset management, Ethena is set to become a cornerstone of the next generation of decentralized financial platforms.
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What Makes Ethena Different?
Unlike centralized finance, where traditional banks and institutions control the flow of money, Ethena offers a decentralized ecosystem where users retain full control over their funds. Powered by blockchain technology, Ethena eliminates intermediaries, reducing costs and making financial services more accessible.
The Role of Ethena Fi
The Ethena Fi token is integral to the platform. It facilitates governance, staking, and rewards within the Ethena ecosystem. By holding Ethena Fi, users can participate in decision-making processes and earn rewards, making it a valuable asset for those looking to engage with the platform more deeply.
Why Invest in Ethena?
Transparency: All transactions on Ethena are recorded on the blockchain, ensuring full transparency.
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As the world of finance continues to move toward decentralization, Ethena is positioning itself as a leader in the DeFi space. For investors seeking exposure to the future of finance, Ethena provides a secure, innovative, and community-focused platform.
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A ring found among the debris of Florida’s recent hurricanes awaits its owner
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Scattered across Florida’s hurricane-ravaged communities are piles of debris, remnants of what were once homes. Cherished memories — photo albums, family heirlooms, and tokens of love — swallowed by floodwaters and carried miles away, are now reduced to mere fragments and discarded amid the wreckage.
But in one of these piles of lost memories, a small, inconspicuous velvet black box was discovered with a ring and a note that read: “I was 18 when my parents gave it to me.”
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Now, Joe Kovach, the engineer managing one of the debris sites in Tarpon Springs, Florida, where the box was found, is searching for its owner.
“Everyone has been basically dumping their entire lives onto the curb after the storm when everything flooded. My own boss’ house had 30 inches (of water) in it, and I saw his face and just how devastating it can be for everyone,” Kovach, an engineer with Pinellas County Public Works, told CNN.
“A lot of people in the community were really affected by these two storms, if there’s just a little bit I can do to give back, then that’s perfect.”
A contractor, who was gathering and condensing debris with an excavator, discovered the ring when he looked down and saw the box.
“This was a needle in a haystack for sure. For something like that to survive all that when everything else was so wet and saturated, that was kind of incredible,” Kovach said.
Although the ring was found after Hurricane Milton, Kovach is sure the treasure was initially lost amid the ruins of Hurricane Helene, based on the pile of debris it came from, which Pinellas County Public Works tracks. It is likely the owner of the ring is from Crystal Beach, Ozona, or Palm Harbor, Kovach said.
On Tuesday, after the contractor informed him about the ring, Kovach posted a photo of the box and the note on several local community Facebook pages, asking if it belonged to anyone. He did not include a photo or description of the ring to ensure it is returned to the rightful owner who can accurately describe it. On the inside lid of the box is a gold engraving with the jewelry brand, “The Danbury Mint.”
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Why Thailand is making it easier for travelers to stay longer
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Maybe you want to escape the winter months at home, opting instead to take care of your business on a laptop from the comfort of your rented Phuket villa as you gaze over the Andaman Sea. Or perhaps you’re ready to step into the ring and embark on a new career as a Muay Thai fighter.
Either way, Thailand has you covered.
The popular Southeast Asia destination recently introduced a new five-year visa targeted at remote workers and other travelers looking to stay in the kingdom for extended periods.
According to a statement issued by the Thai prime minister’s office, the Destination Thailand Visa (DTV) will allow eligible travelers a period of stay up to 180 days per visit, on a multiple-entry basis, within five years. (This means they will need to leave the country when their 180 days are up, and the time resets when they re-enter.)
The government statement says the visa is open to several categories of remote workers, including digital nomads and freelancers. It’s also aimed at those looking to visit to engage in activities such as Muay Thai training or Thai cooking classes, or come for extended medical treatments.
To apply, travelers need to show evidence that they have a minimum of 500,000 baht (about $13,800) in funds, as well as documents to support the purpose of their visit, such as a letter from a medical center or proof of employment
How a drab Soviet metropolis became Central Asia’s capital of cool
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Several cities around the globe have reinvented themselves in recent years, but none more successfully than Almaty.
Since the collapse of the USSR, Kazakhstan’s largest city (population 2.2 million and growing) has evolved from a drab, run-of-the-mill Soviet metropolis into the urban star of Central Asia.
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Along the way, the city has developed one of the world’s most beautiful metro systems, grown into a thriving banking and finance center, complemented its vintage bazaars with luxury boutiques and modern shopping malls and reshaped its traditional gastronomy into a nouvelle cuisine that’s drawing raves from foodies around the world.
Almaty is also evolving into the cultural and artistic hub of Central Asia. It’s already got several world-class museums (including a “secret” underground collection that doesn’t even have a name) and a dazzling new cultural center slated to open early next year.
“It’s an incredibly livable city,” says long-time American resident Dennis Keen, a historic preservation advocate and founder of Walking Almaty.
“Green and clean. You don’t need a car. The public transit here is fantastic. And it’s very much the center of contemporary art and dining in Central Asia.”
Keen adds that whenever he tells someone back home that he lives in Kazakhstan, “Borat” inevitably comes up. The movie’s title character doesn’t paint a very flattering portrait of the Central Asian nation. But nowadays one is tempted to think that if Borat visited Almaty now, he would say, “Very nice!”
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Japan is famed for its skilled artisans, masters who maintain a commitment to tradition while modernizing production techniques in line with the development of new materials and processes.
Many places in the country have grown famous by focusing on specific crafts, from exquisite kimonos to perfectly designed knives. Among them is the small city of Sabae, in Fukui prefecture, about a 3.5-hour train ride from Tokyo.
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It’s widely known as Japan’s eyeglasses capital – and for good reason. Sabae produces over 90% of the frames manufactured in the country, according to the local government. Signs and objects shaped like eyeglasses can be found on city streets, and there’s even a museum and festival devoted to spectacles.
The art of making spectacles
Sabae, located on Japan’s main Honshu island near the city of Fukui, has been producing quality eyewear for more than a century.
It all started in 1905, when a local government official invited skilled eyeglasses artisans to come to the city to teach their craft, an attempt to create new opportunities for local farmers.
The move paid off. Today, Sabae has over 100 companies that collaborate to make pairs of glasses.
Though these studios use cutting-edge machinery to produce new frames made of metal and acetate, most stages still require the skilled hands and trained eyes of Sabae’s master artisans.
That includes Takeshi Yamae, a frame designer with Japanese brand Boston Club who has lived in the city for 17 years. He tells CNN one pair of glasses can involve more than 200 steps.
“I first design it, sketch it, then put it into my computer,” he says. “From the time I start designing, to the time I have the perfect product, it takes more than a year.”
How a drab Soviet metropolis became Central Asia’s capital of cool
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Several cities around the globe have reinvented themselves in recent years, but none more successfully than Almaty.
Since the collapse of the USSR, Kazakhstan’s largest city (population 2.2 million and growing) has evolved from a drab, run-of-the-mill Soviet metropolis into the urban star of Central Asia.
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Along the way, the city has developed one of the world’s most beautiful metro systems, grown into a thriving banking and finance center, complemented its vintage bazaars with luxury boutiques and modern shopping malls and reshaped its traditional gastronomy into a nouvelle cuisine that’s drawing raves from foodies around the world.
Almaty is also evolving into the cultural and artistic hub of Central Asia. It’s already got several world-class museums (including a “secret” underground collection that doesn’t even have a name) and a dazzling new cultural center slated to open early next year.
“It’s an incredibly livable city,” says long-time American resident Dennis Keen, a historic preservation advocate and founder of Walking Almaty.
“Green and clean. You don’t need a car. The public transit here is fantastic. And it’s very much the center of contemporary art and dining in Central Asia.”
Keen adds that whenever he tells someone back home that he lives in Kazakhstan, “Borat” inevitably comes up. The movie’s title character doesn’t paint a very flattering portrait of the Central Asian nation. But nowadays one is tempted to think that if Borat visited Almaty now, he would say, “Very nice!”
How a drab Soviet metropolis became Central Asia’s capital of cool
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Several cities around the globe have reinvented themselves in recent years, but none more successfully than Almaty.
Since the collapse of the USSR, Kazakhstan’s largest city (population 2.2 million and growing) has evolved from a drab, run-of-the-mill Soviet metropolis into the urban star of Central Asia.
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Along the way, the city has developed one of the world’s most beautiful metro systems, grown into a thriving banking and finance center, complemented its vintage bazaars with luxury boutiques and modern shopping malls and reshaped its traditional gastronomy into a nouvelle cuisine that’s drawing raves from foodies around the world.
Almaty is also evolving into the cultural and artistic hub of Central Asia. It’s already got several world-class museums (including a “secret” underground collection that doesn’t even have a name) and a dazzling new cultural center slated to open early next year.
“It’s an incredibly livable city,” says long-time American resident Dennis Keen, a historic preservation advocate and founder of Walking Almaty.
“Green and clean. You don’t need a car. The public transit here is fantastic. And it’s very much the center of contemporary art and dining in Central Asia.”
Keen adds that whenever he tells someone back home that he lives in Kazakhstan, “Borat” inevitably comes up. The movie’s title character doesn’t paint a very flattering portrait of the Central Asian nation. But nowadays one is tempted to think that if Borat visited Almaty now, he would say, “Very nice!”
How a drab Soviet metropolis became Central Asia’s capital of cool
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Several cities around the globe have reinvented themselves in recent years, but none more successfully than Almaty.
Since the collapse of the USSR, Kazakhstan’s largest city (population 2.2 million and growing) has evolved from a drab, run-of-the-mill Soviet metropolis into the urban star of Central Asia.
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Along the way, the city has developed one of the world’s most beautiful metro systems, grown into a thriving banking and finance center, complemented its vintage bazaars with luxury boutiques and modern shopping malls and reshaped its traditional gastronomy into a nouvelle cuisine that’s drawing raves from foodies around the world.
Almaty is also evolving into the cultural and artistic hub of Central Asia. It’s already got several world-class museums (including a “secret” underground collection that doesn’t even have a name) and a dazzling new cultural center slated to open early next year.
“It’s an incredibly livable city,” says long-time American resident Dennis Keen, a historic preservation advocate and founder of Walking Almaty.
“Green and clean. You don’t need a car. The public transit here is fantastic. And it’s very much the center of contemporary art and dining in Central Asia.”
Keen adds that whenever he tells someone back home that he lives in Kazakhstan, “Borat” inevitably comes up. The movie’s title character doesn’t paint a very flattering portrait of the Central Asian nation. But nowadays one is tempted to think that if Borat visited Almaty now, he would say, “Very nice!”
‘We barely made it out’: Californians desperately flee their homes amid raging wildfires
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Terrie Morin, 60, and her husband, Dave, were at the barber shop when they heard about a raging wildfire making headway toward their Camarillo home on Wednesday morning.
The couple were hosting two guests at the time, but because their guests worked late, Morin suspected they slept through the residence’s fire alarms.
“I run in the house, and I’m banging on the door, and they did not hear me. They were knocked out,” Morin told CNN. “Get the dog. Get out of here. You don’t have time, just get out!” she recalled telling them.
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Ten minutes later, Dave noticed sparks in their backyard. The temperature was also picking up.
“It was hot. It was so hot,” Morin recalled.
Dozens of homes in California’s Ventura County were set alight in a sweeping wildfire that burned through thousands of acres of land in just a matter of hours midweek –– prompting authorities to send more than 14,000 evacuation notices across the region.
The Mountain Fire began early Wednesday and was driven by winds gusting over 60 mph. The flames have seared through more than 20,485 acres of land, according to Cal Fire.
The families who evacuated at a moment’s notice, some who say they have now lost their homes, must deal with other losses that can also be devastating, from daily essentials like medications and shoes to meaningful possessions such as sculptures and artwork, to treasured keepsakes from the birth of a child or the life of a parent.
At least 132 properties have been destroyed by the fire, while 88 have been left damaged, Ventura County Fire Department officials said Thursday evening. Ten damage inspection teams have been deployed to inspect structures along the path of the blaze.
Ten people endured non-life-threatening injuries from the Mountain Fire, which are mostly related to smoke inhalation, Ventura County Sheriff Jim Fryhoff said.
‘We barely made it out’: Californians desperately flee their homes amid raging wildfires
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Terrie Morin, 60, and her husband, Dave, were at the barber shop when they heard about a raging wildfire making headway toward their Camarillo home on Wednesday morning.
The couple were hosting two guests at the time, but because their guests worked late, Morin suspected they slept through the residence’s fire alarms.
“I run in the house, and I’m banging on the door, and they did not hear me. They were knocked out,” Morin told CNN. “Get the dog. Get out of here. You don’t have time, just get out!” she recalled telling them.
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Ten minutes later, Dave noticed sparks in their backyard. The temperature was also picking up.
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Dozens of homes in California’s Ventura County were set alight in a sweeping wildfire that burned through thousands of acres of land in just a matter of hours midweek –– prompting authorities to send more than 14,000 evacuation notices across the region.
The Mountain Fire began early Wednesday and was driven by winds gusting over 60 mph. The flames have seared through more than 20,485 acres of land, according to Cal Fire.
The families who evacuated at a moment’s notice, some who say they have now lost their homes, must deal with other losses that can also be devastating, from daily essentials like medications and shoes to meaningful possessions such as sculptures and artwork, to treasured keepsakes from the birth of a child or the life of a parent.
At least 132 properties have been destroyed by the fire, while 88 have been left damaged, Ventura County Fire Department officials said Thursday evening. Ten damage inspection teams have been deployed to inspect structures along the path of the blaze.
Ten people endured non-life-threatening injuries from the Mountain Fire, which are mostly related to smoke inhalation, Ventura County Sheriff Jim Fryhoff said.
‘We barely made it out’: Californians desperately flee their homes amid raging wildfires
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Terrie Morin, 60, and her husband, Dave, were at the barber shop when they heard about a raging wildfire making headway toward their Camarillo home on Wednesday morning.
The couple were hosting two guests at the time, but because their guests worked late, Morin suspected they slept through the residence’s fire alarms.
“I run in the house, and I’m banging on the door, and they did not hear me. They were knocked out,” Morin told CNN. “Get the dog. Get out of here. You don’t have time, just get out!” she recalled telling them.
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Ten minutes later, Dave noticed sparks in their backyard. The temperature was also picking up.
“It was hot. It was so hot,” Morin recalled.
Dozens of homes in California’s Ventura County were set alight in a sweeping wildfire that burned through thousands of acres of land in just a matter of hours midweek –– prompting authorities to send more than 14,000 evacuation notices across the region.
The Mountain Fire began early Wednesday and was driven by winds gusting over 60 mph. The flames have seared through more than 20,485 acres of land, according to Cal Fire.
The families who evacuated at a moment’s notice, some who say they have now lost their homes, must deal with other losses that can also be devastating, from daily essentials like medications and shoes to meaningful possessions such as sculptures and artwork, to treasured keepsakes from the birth of a child or the life of a parent.
At least 132 properties have been destroyed by the fire, while 88 have been left damaged, Ventura County Fire Department officials said Thursday evening. Ten damage inspection teams have been deployed to inspect structures along the path of the blaze.
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Base Bridge is a cutting-edge solution facilitating smooth transfers between different blockchain networks. By creating a seamless link, it reduces the complexity and cost of blockchain transactions.
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Base Bridge is a cutting-edge solution facilitating smooth transfers between different blockchain networks. By creating a seamless link, it reduces the complexity and cost of blockchain transactions.
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PancakeSwap is a leading decentralized finance (DeFi) platform that allows users to trade cryptocurrencies, participate in yield farming, and more. With its user-friendly interface and wide range of features, PancakeSwap has become a popular choice for cryptocurrency enthusiasts.
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Here are several reasons why PancakeSwap stands out among other DeFi platforms:
Cost Efficiency: Transaction fees on PancakeSwap are significantly lower compared to traditional centralized exchanges.
Security: As a decentralized platform, PancakeSwap offers enhanced security by eliminating the need for intermediaries.
Community-Driven: PancakeSwap is built on the Binance Smart Chain and actively involves its community in the platform’s development.
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PancakeSwap provides a plethora of features designed to enhance the trading and investing experience of its users. Here are some noteworthy functionalities:
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PancakeSwap enables users to swap BEP-20 tokens without relying on a centralized exchange. This feature facilitates seamless trading without compromising on speed or security.
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User can engage in yield farming to earn rewards. By providing liquidity to the exchange, participants can earn CAKE, PancakeSwap's native token, boosting their holdings.
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The platform hosts a lottery where participants can buy tickets with CAKE for a chance to win substantial rewards. This adds an element of fun and potential profit-making opportunities.
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PancakeSwap also delves into the realm of Non-Fungible Tokens (NFTs), allowing users to purchase and exchange digital collectibles, adding versatility to their investment options.
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The Phantom Wallet is revolutionizing the way users handle digital currencies. Designed for the Solana network, it offers security and ease for both beginners and experienced users. Dive into its features and learn how it can elevate your crypto management.
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When it comes to managing digital assets, security is paramount. Phantom Wallet provides top-tier security features, ensuring users’ assets remain safe from threats.
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Download and install the Phantom extension from a trusted source.
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Beyond security, Phantom Wallet offers:
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1inch Exchange is a decentralized exchange aggregator. It searches multiple DEXs to find the most efficient path for your trade, thus minimizing costs and maximizing returns. By splitting your transaction into parts and executing them across different platforms, 1inch achieves the best possible market rates.
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The 1inch Network stands at the forefront of decentralized finance (DeFi), offering traders highly efficient cryptocurrency swap solutions across multiple platforms. This introduction to 1inch will guide you through its features, benefits, and the impact it's making in the crypto trading ecosystem.
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1inch is renowned for being a decentralized exchange aggregator. It sources liquidity from various exchanges to offer users the best possible rates. By splitting orders across multiple platforms, 1inch minimizes slippage and maximizes the value from each trade.
Core Components of 1inch
1inch Aggregation Protocol: A sophisticated routing mechanism that finds the most efficient swapping paths across multiple decentralized exchanges.
1inch Liquidity Protocol: An automated market maker (AMM) that operates in a gas-efficient way, allowing users to provide liquidity and earn a portion of trades.
1inch DAO: A decentralized autonomous organization that allows token holders to participate in the governance of the network.
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By tapping into 1inch's ecosystem, traders gain access to:
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DeBridge Finance is an innovative solution designed to facilitate seamless cross-chain blockchain operations. It empowers developers and users by allowing the transfer of data and assets across different blockchain networks efficiently and securely.
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DeBridge Finance stands out due to its remarkable features which include:
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Scalability: It is designed to handle a growing number of transactions without compromising on performance.
How Does DeBridge Finance Work?
DeBridge Finance operates through a combination of smart contracts and decentralized communication protocols. These components work together to authenticate and execute cross-chain data and asset transfers swiftly and securely.
Smart Contracts
The platform utilizes smart contracts to automate processes and ensure trustless operations across different chain environments.
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Communication across blockchains is made possible through a decentralized message protocol, enabling effective data sharing.
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Choosing DeBridge Finance for cross-chain operations brings several advantages:
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Developer-Friendly: Offering robust tools and resources, DeBridge makes it easier for developers to build cross-chain applications.
Enhanced User Experience: Users benefit from smoother transactions without the need to switch between different network interfaces.
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Aerodrome Finance: Unlocking Potential for Growth
The world of aerodrome finance is pivotal for ensuring the efficient operation, enhancement, and expansion of aerodrome facilities globally. With the increasing demand for air travel, understanding aerodrome financial processes is more important than ever.
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Aerodrome finance plays a critical role in the lifespan of airport projects, providing necessary funding from initial development to ongoing management. Here are key reasons why it matters:
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Various strategies can be employed to optimize aerodrome finance, ensuring both immediate and long-term benefits. Here are a few notable approaches:
Public-Private Partnerships (PPP)
These partnerships combine public sector oversight and private sector efficiency, leading to shared risks and rewards. They facilitate diverse financial resources and innovative solutions for airport projects.
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Exploring non-aeronautical revenue streams, such as retail concessions and property leases, can significantly bolster an airport's financial resilience. Such diversification allows for a steady income flow independent of ticket sales.
Sustainable Financing
Adopting sustainable financial practices, including green bonds and ESG (Environmental, Social, and Governance) criteria, aligns with modern ecological standards and attracts environmentally conscious investors.
A ring found among the debris of Florida’s recent hurricanes awaits its owner
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Scattered across Florida’s hurricane-ravaged communities are piles of debris, remnants of what were once homes. Cherished memories — photo albums, family heirlooms, and tokens of love — swallowed by floodwaters and carried miles away, are now reduced to mere fragments and discarded amid the wreckage.
But in one of these piles of lost memories, a small, inconspicuous velvet black box was discovered with a ring and a note that read: “I was 18 when my parents gave it to me.”
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Now, Joe Kovach, the engineer managing one of the debris sites in Tarpon Springs, Florida, where the box was found, is searching for its owner.
“Everyone has been basically dumping their entire lives onto the curb after the storm when everything flooded. My own boss’ house had 30 inches (of water) in it, and I saw his face and just how devastating it can be for everyone,” Kovach, an engineer with Pinellas County Public Works, told CNN.
“A lot of people in the community were really affected by these two storms, if there’s just a little bit I can do to give back, then that’s perfect.”
A contractor, who was gathering and condensing debris with an excavator, discovered the ring when he looked down and saw the box.
“This was a needle in a haystack for sure. For something like that to survive all that when everything else was so wet and saturated, that was kind of incredible,” Kovach said.
Although the ring was found after Hurricane Milton, Kovach is sure the treasure was initially lost amid the ruins of Hurricane Helene, based on the pile of debris it came from, which Pinellas County Public Works tracks. It is likely the owner of the ring is from Crystal Beach, Ozona, or Palm Harbor, Kovach said.
On Tuesday, after the contractor informed him about the ring, Kovach posted a photo of the box and the note on several local community Facebook pages, asking if it belonged to anyone. He did not include a photo or description of the ring to ensure it is returned to the rightful owner who can accurately describe it. On the inside lid of the box is a gold engraving with the jewelry brand, “The Danbury Mint.”
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Как пробить потолок в доходах - где больше зарабатывают таксисты
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<img alt="как пробить потолок в доходах" id="как пробить финансовый потолок" longdesc="Как пробить финансовый потолок - как зарабатывать больше денег женщине" src="https://avatars.dzeninfra.ru/get-zen_doc/271828/pub_670eb9c272734b41a4f348e0_670eb9d0d1f0194429c2f44d/scale_1200" style="border-style:solid; border-width:0px; float:left; height:100px; margin:0px; width:129px" title="Как пробить финансовый потолок - трачу денег больше чем зарабатываю" />
Невозможность пробить потолок доходов — это не только вопрос усилий. Ольга Никитина-Кузякова рассказывает о том, как психология влияет на наше восприятие денег и как можно изменить это восприятие для достижения успеха.
Действительно, многие из нас, даже не осознавая этого, блокируют свой финансовый потенциал. Как отмечает Никитина-Кузякова, корни этих ограничений часто уходят в прошлое: это стереотипы о «вредности» богатства, ассоциация больших денег с нечестностью – все это формирует глубоко укоренившиеся убеждения, которые мешают нам достигать финансового успеха. Страх перед богатством может проявляться по-разному: от пассивной неуверенности в себе до активного саботажа собственных возможностей.
Но дело не только в наследии прошлого. Незнание, как распорядиться большими деньгами, также является серьезным препятствием. Человек, привыкший к скромному достатку, может испытывать панику перед перспективой управления крупной суммой, что парализует его стремление к большему. Это проявляется в неумении инвестировать, страхе перед рисками или просто неспособности рационально планировать расходы.
Важно понимать, что этот «потолок» индивидуален. Для одного человека 100 000 рублей – это уже значительный успех, а для другого – лишь скромная сумма. Не существует универсальной цифры, означающей финансовое благополучие. Критично осознать, какие именно цифры для вас означают переход на новый уровень жизни и какие внутренние преграды мешают достичь этого уровня.
Никитина-Кузякова подчеркивает значимость самоограничений как причины кризисов и спадов в бизнесе. Невозможно достигнуть амбициозных целей, борясь с самим собой. Ясное видение результата, чётко сформулированные цели и отсутствие внутренних конфликтов – ключ к успеху.
Как преодолеть финансовые ограничения?
Самостоятельно справиться с глубоко укоренившимися подсознательными блоками непросто. Диагностика, предлагаемая Никитиной-Кузяковой, помогает выявить скрытые причины финансовых ограничений. Она включает в себя:
Анализ убеждений и ценностей: выявление подсознательных установок, связанных с деньгами.
Оценка эмоционального состояния: определение эмоциональных реакций на различные финансовые ситуации.
Определение ограничивающих убеждений: выявление негативных мыслей и убеждений, мешающих достижению финансовых целей.
Разработка стратегии преодоления: создание индивидуального плана работы над устранением ограничивающих факторов.
Помимо работы с психологом, существуют и другие методы:
Работа с финансовым консультантом: поможет научиться эффективно управлять финансами и инвестировать.
Постановка SMART-целей: конкретные, измеримые, достижимые, актуальные и ограниченные по времени цели помогают сосредоточиться и отслеживать прогресс.
Постепенное повышение планки: не стоит пытаться сразу пробить высокий «потолок». Лучше ставить досягаемые цели, постепенно увеличивая свой доход и нарабатывая уверенность в себе.
Прорыв финансового «потолка» – это не только о деньгах, это о работе над собой, о преодолении внутренних барьеров и о развитии финансовой грамотности. Обращение к специалисту – это инвестиция в собственное будущее, которая окупится многократно.
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Family hasn’t heard from Hawaii woman in over a week after she misses flight to New York
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It’s been more than a week since Hannah Kobayashi missed a flight connection in Los Angeles. After a series of suspicious texts from her phone, the 30-year-old Hawaii woman has gone silent – and her family is desperately trying to find her.
Kobayashi was traveling from Maui, Hawaii, to New York and had a connecting flight at Los Angeles International Airport, her sister, Sydni, told CNN by phone Monday. She had the same itinerary as an ex-boyfriend; the pair decided to keep their flights since they couldn’t get a refund but would be going their separate ways once they landed at John F. Kennedy International Airport.
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Hannah was going to spend time in upstate New York with her aunt, Sydni said. But November 11 was the last day anyone heard from her.
Sydni said text messages from Hannah in the lead-up to her disappearance did not sound like her. Hannah used words like “hun,” “love” and “babe.”
“I personally don’t think that was my sister,” Sydni said. “She doesn’t use the word ‘hun.’ ‘Love’ and ‘babe,’ but never ‘hun.’ Even her close friends have said the same.”
Sydni added, “The reason why it’s so concerning is because we’re so close and I’ve known her to always be very grounded and she’s always had a calm and collected demeanor. Yes, she’s a free and independent spirit and she likes to travel, she’s a writer and photographer, but she’s never done anything like this on purpose.”
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Denmark’s Victoria Kj?r Theilvig wins Miss Universe 2024
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Victoria Kj?r Theilvig of Denmark has been crowned Miss Universe 2024, becoming the first Dane to ever win the competition.
The 21-year-old, a competitive dancer, entrepreneur, and aspiring lawyer, beat more than 120 other contestants to win the annual beauty pageant in Mexico City on Saturday night.
She was applauded by other contestants on stage as she accepted the tiara from reigning titleholder Sheynnis Palacios of Nicaragua.
This year’s finale featured a performance by singer Robin Thicke and was hosted by “Saved by the Bell” star Mario Lopez and former Miss Universe Olivia Culpo.
The glitzy pageant began with contestants being narrowed down to a shortlist of 30, based on the results of Thursday’s preliminary event, which included a flamboyant national costume contest. The semi-finalists then paraded in swimwear, before 12 of them advanced to an evening gown contest.
When later asked what she would say to those watching, Theilvig urged viewers to “keep fighting … no matter where you come from.”
“I stand here today because I want a change, I want to make history, and that’s what I’m doing tonight,” she said.
Chidimma Adetshina of Nigeria finished as first runner-up and Maria Fernanda Beltran of Mexico was named second runner-up. Suchata Chuangsri of Thailand and Ileana Marquez Pedroza of Venezuela followed – with Pedroza, a 28-year-old mother, making history in the top five after the competition removed several restrictions in recent years.
This year marked the first time in Miss Universe’s 72-year history that women aged over 28 were permitted to enter. More than two dozen of the finalists were older than would have been allowed in previous years, with Malta’s Beatrice Njoya becoming the first and only woman in her 40s to reach the grand finale.
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Почему государство кошмарит народный кооператив «Бест Вей»
Приморским районным судом Санкт-Петербурга рассматривается уголовное дело, связываемое следствием с компаниями «Лайф-из-Гуд», «Гермес» и кооперативом «Бест Вей», параллельно судами Санкт-Петербурга рассматривается дело о законности кооператива «Бест Вей» – оба разбирательства очень далеки от завершения.
За преследованиями кооператива правоохранительными органами стоит Фонд по защите вкладчиков и акционеров. Он представляется как государственный фонд – хотя давным-давно лишен государственного финансирования, и изначально он зарегистрирован по указу алкоголика Ельцина, принесенному мутными персонами, которые вокруг него ошивались, как общественно-государственный. Если нет госфинансирования, значит, фонд должен быть негосударственным. Но он частично сохраняет государственный статус, при этом существует без контроля со стороны федеральных ведомств.
Лях–заказчик
Но некий административный статус у фонда, видимо, остался – учитывая, что его в августе возглавил Валерий Лях, который долгое время – до своего бегства из страны с началом СВО – возглавлял Департамент противодействия недобросовестным практикам ЦБ РФ (департамент этот Набиуллина ликвидировала из-за заказных включений этим департаментом компаний и организаций в предупредительный список ЦБ).
Ремарка: Лях по-прежнему, судя по всему, не в России – и руководит Фондом по защите прав вкладчиков и акционеров из-за рубежа, иначе как объяснить его систематическую неявку на суд по уголовному делу, в котором он является свидетелем? Кстати, Прокуратура Санкт-Петербурга проявляет к нему удивительную деликатность, отказываясь обеспечить его привод в суд – не потому ли, что Лях как хочет вертит прокуратурой, по крайней мере прокуратурой Северной столицы, и она фактически выполняет его заказ?
Фонд пытается отобрать активы на 16 млрд рублей у 20 тыс. пайщиков – при этом все, в том числе так называемые потерпевшие по уголовному делу, получат от фонда не более 35 тыс. рублей! Это черным по белому записано в уставе фонда и многократно подтверждено его сотрудниками. Фонд живет за счет отнятых у организаций денег – он не станет делиться ни с кем, кроме коррумпированных правоохранителей, которые помогают ему отобрать деньги у честных людей!
Очевидна связь фонда с атаками на кооператив «Бест Вей», которая была заметна задолго до уголовного дела. Фонд от своего имени, на своем сайте, не имеющем лицензии СМИ, публиковал хейтерские статьи о кооперативе.
Хейтеры – сообщники рейдеров
Потом были созданы высокобюджетные хейтерские телеграм-канал и сайт, причем работающие в теснейшей связке с бригадой гособвинителей из питерской прокуратуры – публикующие в реальном времени информацию из уголовного дела: только выступил свидетель – и в течение часа появляется документ из уголовного дела. Хейтерскими ресурсами занимаются, в частности, Михаил Степанов и Белла Кесельман, подробная информация о которых готовится к публикации.
Гособвинители даже публиковали там свои телефоны – для оперативного консультирования выступающих в суде со стороны обвинения: госуслуги на высшем уровне!
То есть государство срастается с бандитской организацией, обслуживающей частные интересы Ляха и его партнеров. Имена всех хейтеров установлены!
Малиновская – шестерка коррупционеров
На этой же стороне выступила судья по гражданским делам Приморского районного суда Малиновская – которая просто подмахнула иск прокуратуры о признании кооператива незаконным, фактически без разбирательства: борьба с этим иском предстоит теперь в Санкт-Петербургском городском суде, в который поступит не только жалоба кооператива, но и тысячи жалоб со стороны пайщиков кооператива, законные интересы которых в нарушение ГК и ГПК не были учтены при рассмотрении этого иска.
Судья Малиновская помогает обворовывать народ. Малиновская, ущемляя интересы народа, отбирая активы у кооператива и жилье у граждан, провоцирует дестабилизацию в стране. И справляется с этим блестяще! Она пытается отобрать у людей жилье и накопления в народном кооперативе. У военных, фронтовиков, семей фронтовиков!
Она отбирает жилье у честных людей. Ущемляет военных, которые создали кооператив «Бест Вей» и вошли в него со своими семьями. Тем самым подрывает веру в президента, который наделил ее полномочиями.
Государство и народ
Государство, выступая от имени народа, на самом деле грабит этот самый народ. Фонд Ляха и его ручные хейтеры устраивают все так, что народ и компании они обворовывают с помощью народного государства, прокуратурой и судьями которого они манипулируют, чтобы они помогали Ляху грабить народ.
Организаторам атаки на кооператив, использующим государственные институты в личных интересах, следует иметь в виду вот что. Нет ничего страшнее народа, доведенного до отчаяния беспредельными полицейскими, продажными прокурорами и несправедливыми судьями!
Нет ничего страшнее униженных людей, у которых отобрали накопления и жилье, которым уже нечего терять. Они дойдут до высших инстанций и добьются того, что их мнение будет услышано!
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Сауны и бани заслужено получили звание одних из наиболее популярных мест для отдыха не только в нашей стране, но и за рубежом. Поэтому не странно, что в мире так много различных видов данного отдыха.
Каждый любитель этого полезного времяпрепровождения сможет подыскать подходящий вариант отдыха с помощью нашего онлайн-ресурса, где собраны почти все адреса саун со всего региона. Наш сайт предназначен для того, что бы найти и снять баню, а вам лишь остаётся зайти и выбрать то, что больше всего подходит.
ЛУЧШИЕ БАНИ И САУНЫ НА НАШЕМ ОНЛАЙН-РЕСУРСЕ
Ни для кого не является секретом, что каждый человек любит провести своё свободное время не только с пользой для себя и для здоровья, но и забыв о всех тяготах будних дней. А с помощью нашего сайта вы приблизитесь к своей мечте на ещё один шаг, потому что:
вы найдёте романтичное место для рандеву со своей второй половинкой;
сможете расположить к себе потенциального клиента по работе;
расслабиться от мирской суеты;
отдохнуть в компании близких друзей или семьи;
Какую бы зону отдыха вы не выбрали — вы сможете найти и детально ознакомиться с её характеристикой, стилем и атмосферностью. Ведь на нашем сайте представлены дорогие и дешевые сауны не только из Москвы, но и Подмосковья. Вам только нужно ввести интересующий вас запрос, используя критерии поиска.
Каждое заведение имеет свою страницу где вы сможете более детально изучить ассортимент со всеми услугами, которые оно предоставляет, просмотреть фотографии, найти номер телефона бани. На странице также указаны цена сауны, ссылка на официальный сайт и местоположение на карте.
Помимо этого вы можете прочитать отзывы о саунах и банях и их оценки от пользователей нашего ресурса.
ПРЕИМУЩЕСТВА В ИСПОЛЬЗОВАНИИ ИМЕННО НАШЕГО САЙТА
Для вашего удобства наш сервис предоставляет поиск по различным критериям. Здесь вы сможете найти зону отдыха по нужным вам категориям, например:
округ, район или ближайшая станция метро;
аква-зона. Вы сможете удивить своего ребёнка водопадом, либо выйти со своей второй половинкой к озеру, также восстановить свои силы после трудной рабочей недели в джакузи или в сауне с морской водой. А сауна с бассейном помогут вам расслабиться;
предоставляемые услуги. Например акваэробика, СПА салоны, массаж, фитнес или тренажерный зал;
сервис. Это может быть летняя веранда, солярий, мангал, банкетный зал или даже стрип-подиум.
развличения: настольный тенис, караоке, бильярд, настольный хокей, дартс или аэрохокей.
вместимость.
Стоимость. Этот критерий поможет найти недорогие бани.
Также вы сможете:
1. Сравнить плюсы и минусы каждого заведения;
2. Выбрать наиболее привлекательный для вас интерьер с помощью фотографий;
3. Узнать о дополнительных услугах либо об их отсутствии;
ИТЕРЕСНЫЕ ФАКТЫ ПРО БАНЮ И САУНЫ
Если ваша работа связана со стрессом, вы чувствуете как давно уже вышли из привычного ритма жизни и постоянно содрогаетесь от любого звонка, опасаясь, что это снова звонят с работы, то вам просто необходимо посетить именно это место. И это не кабинет психолога, а финская сауна.
Это сухая баня с сухим горячим воздухом. Именно в этой бане вы хорошенько разогреете своё тело и забудете о всех своих заботах. В тот момент, когда на камни льют воду, а в сауне возрастает количество горячего пара, вы не сможете думать ни о чём другом, кроме расслабления.
Финская сауна наполнена благоуханием трав, нежным ароматом душистого мёда. После парной вы можете окунуться в холодную воду и ощутить настоящий приливы бодрости и сил.
Также, если вы не воспринимаете баню, как просто что-то обычное, а считаете это действо ритуалом, то вам прекрасно подойдёт русская баня. В русской бани происходит медленный подогрев организма и с потом выходят все вредные вещества. Во время этого процесса кожа начинает “дышать” и вы почувствуете себя определенно лучше.
Турецкая баня хамам будет по душе не только эстетам, но и тем, кто просто хочет отдохнуть в экзотической атмосфере. Материалы, которые используются для оформления хаммамов точно не оставят никого равнодушным.
В турекой бане хамам вы можете побыть наедине с собой, расслабиться и собраться с мыслями, а интересным бонусом для вас станет ритуал разогрева, пиллинга, нескольких видов массажей и самого приятного — отдыха.
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"Дело "Лайф-из-Гуд" — "Гермес" — "Бест Вей": кооператив выполнял обязательства
<a href=https://www.pravda.ru/realty/2076398-delo-laif-iz-gud-germes-best-vei/>Александрова Лайф из Гуд</a>
"Мне сказали, что это лучше банка"
Признанный следствием потерпевшим Шахмин — пенсионер МВД. Лично с подсудимыми не знаком, но на презентациях видел.
О "Лайф-из-Гуд", "Гермесе", "Бест Вей" узнал из СМИ и интернета. Консультанты Галлямовы из Нефтекамска пригласили вступить. "Бест Вей" и "Гермес" — это как будто одна система, — сообшил Шахмин. — Я согласился вложить деньги в "Гермес", так как давно знал Галлямовых. Они продали квартиру и с бизнеса вложили деньги туда, они раньше меня там были. Я вложил 2,3 млн рублей, взятые в кредит в Газпромбанке, их передал Галлямовым лично в руки, так как доверял, они говорили, что откроют счет "Виста". Мне сказали, что это лучше банка и лучше, чем "недвижку" покупать. Если сколько-то людей созываешь, ты получаешь какие-то проценты и еще растешь. Обещали 30% доходности, якобы идет инвестирование акций — криптой, недвижимостью. Деньги высветились в личном кабинете в евро, потом я узнал, что деньги не настоящие, это информационная система, компьютерная цифра, виртуальные деньги", — рассказал он. При этом подтверждений передачи денег у Шахмина нет, однако Галлямов признал на допросе у следователя, что получил деньги и внес на счет "Виста".
Свидетель вывел со счета "Виста", по его словам, 1 тыс. евро и 50 тыс. рублей. Для платежей предлагали "Пей Про": мол, не надо волноваться, будем выводить деньги, проходи верификацию. Потом у свидетеля появились сомнения, и он заявил, что хочет вывести деньги. Галлямовы, по его словам, начали всячески откладывать вывод, до тех пор, пока ЦБ не включил "Гермес" в предупредительный список.
Когда начались трудности, хотели через систему "Свифт" вывести, через "Тинькофф" — но это не получилось: "Начали они просить, чтобы никто из клиентов не возмущался, начали говорить о регистрации на криптобирже "Бинанс" для дальнейшего вывода денег. Также я там зарегистрировался, но тоже ничего не получилось".
После этого Шахмин написал заявление в полицию. Всплывшие в ходе судебного заседания три личных кабинета в "Лайф-из-Гуд" и переводы ему на карту объяснить не смог.
Признанная потерпевшей Дорда была только клиентом "Гермеса". Подсудимых не знает.
"Узнала о компании в 2016 году при переезде из Москвы во Владимир. Рассказали консультанты Адрианова и Волюшко, которые занимались страхованием жизни. Рассказывали и о ПК "Бест Вей", но мне это было неинтересно. Адрианова знала, что я продала квартиру и денежки у меня есть. Зная это, консультант целенаправленно решила затащить в компанию "Гермес". И я стала очередной жертвой. Мне сказали, что Андрианова занималась гипнозом. Отношения дружеские были до 2021 года. Андрианова была вхожа в дом, знакома с мужем. Деньги передавала Андриановой. Было открыто три счета" — рассказала Дорда. Признанная потерпевшей утверждает, что деньги ни разу не снимала.
Заявляет ущерб в более 700 тыс. рублей.
Признанная следствием потерпевшей Шайхулина (допрошенная по ВКС с Самарой) — клиент компании "Гермес". Из подсудимых знает Виктора Ивановича Василенко и Наливана.
"Первый договор с "Гермесом" заключила в 2019 году, второй — в 2021 году. Внесла 1 тыс. евро. Договоры скачивала с кабинета, отдала наличными 70 тыс. руб. В личный кабинет сама заходить могла, но переводить не было возможности. Обещали плавающий процент от 20% в год. Второй счет открыла на 1 тыс. евро. Переводила частным лицам небольшие суммы. Деньги на счету появлялись согласно переводам. Без помощи консультанта Духнова выводить не получалось. "Гермес" свои обязательства исполнял, начисляли проценты, ажио брали. Я сама не вникала, но видела, что каждый месяц начисления были. В кабинет заходила раз в месяц. В последний раз в кабинет заходила накануне заявления в органы. Потом его заблокировали", — говорит она.
"С официальной претензией в "Гермес" обращалась, в поддержку писала. Ответили, что ведутся работы, скоро откроют. Актов сверки с "Гермесом" нет у меня, в гражданско-правовом порядке за возвратом денег не обращалась, ни с какими юристами не общалась. Наткнулась на канал в интернете — там был совет писать заявление в правоохранительные органы", — добавляет она.
Заявляет общую сумму ущерба в 2 430 430 руб.: "Я взяла кредит, плачу теперь проценты, поэтому эту сумму процентов хочу получить". При этом в материалах уголовного дела фигурирует сумма в 1 650 000 руб. ущерба.
Шайхуллина поясняет, что "забыла про 800 тыс., так как мне карту перевели 900 тыс. Духнов сказал: "Они у тебя будут лежать, давай обратно внесем", и я внесла 850 тыс. где-то. Я только что вспомнила про 800 тыс.".