Eight ways to stay anonymous online |
Experts consider the user data protection one of the key problems of our days. This issue is pressing because people spend more and more time on the web. This information can be used by fraudsters. You cannot fully protect yourself against this, but you can minimize the risks. Specialists offer several options that complicate the process of collecting personal information
Tor
This is free and open source software for implementing second generation global routing. This project is a system of proxy servers, with which you can establish an anonymous network connection protected from tapping.
VPN
This service is used for anonymous surfing, so users can hide the real IP-address and encrypt their Internet traffic. With the help of a VPN, you can detect the surveillance. This service is very popular because of its efficiency and ease of use.
Incognito or Invisible mode in browser
Most popular browsers offer incognito or invisible mode. This service is suitable if you do not want to show your appearance in the Internet. However, experts warn that this mode provides certain anonymity but does not protect the network connection.
Clear cache
Cookies are stored on the device after the Internet connection. They are needed for storing information about customer’s preferences so that sites can offer a personalized product or service. You cannot get rid of cookies completely, but you can regularly clear the browser cache. This protects against continuous monitoring of users’ actions.
Message encryption
To preserve the confidentiality of personal data and correspondence, experts suggest installing applications where messages are protected with end-to-end encryption. Encryption of personal information is an extremely necessary measure, since the leakage is one of the most common problems of online privacy.
Geolocation off
Many modern social networks track the location of users’ devices. This information is used in order to provide more personalized products and services. However, unauthorized persons may also get access to personal information of users. Companies’ servers are not always well protected from hacking, so disabling geolocation is a necessary condition.
Check access levels in mobile apps
On mobile devices, many applications often request access to various functions of users’ smartphones. Sometimes these questions are too intrusive; for example, when an application requires you to specify your location online or give access to your contact list. In this case, it is necessary to check thoroughly all access levels in order to prevent the penetration of viruses and hacking attempts.
Cryptocurrency
One of the key characteristics of cryptocurrencies is anonymity. Users’ personal data is not needed to complete the transaction. Another basic principle of the blockchain technology is transparency and publicity of financial transactions. The system also provides users with the opportunity to find out the address from which the transaction was made. The user’s identity can only be established if the person left their personal data.
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Метки: #photo_news |
Eurobonds match Russia’s de-dollarization plan |
Russia has sold bonds denominated in euros for the first time in five years. The bond placement is a part of the “de-dollarization" program started this year. Notably, the yield guidance of these Eurobonds with maturity in 2025 is about 3%. According to banks’ representatives, investor demand for these securities has already exceeded 1 billion euros while the US is not rushing to impose new sanctions against the Russian Federation.
“The demand looks good so far. Primarily, it is happening because new US sanctions are being postponed for now. However, sanctions do not affect Eurobonds directly as the most severe risks are associated with the freezing of dollar transactions,” the official from the Ministry of Finance noted.
Most of analysts do not anticipate Europe to follow the US and impose sanctions against Russia’s euro accounts. Besides, the expected return is considered to be quite high and, perhaps, can convince investors to take a risk.
Read more: https://www.mt5.com/forex_humor/image/39032
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Метки: #forex_caricature |
Eurobonds match Russia’s de-dollarization plan |
Russia has sold bonds denominated in euros for the first time in five years. The bond placement is a part of the “de-dollarization" program started this year. Notably, the yield guidance of these Eurobonds with maturity in 2025 is about 3%. According to banks’ representatives, investor demand for these securities has already exceeded 1 billion euros while the US is not rushing to impose new sanctions against the Russian Federation.
“The demand looks good so far. Primarily, it is happening because new US sanctions are being postponed for now. However, sanctions do not affect Eurobonds directly as the most severe risks are associated with the freezing of dollar transactions,” the official from the Ministry of Finance noted.
Most of analysts do not anticipate Europe to follow the US and impose sanctions against Russia’s euro accounts. Besides, the expected return is considered to be quite high and, perhaps, can convince investors to take a risk.
Read more: https://www.mt5.com/forex_humor/image/39032
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Метки: #forex_caricature |
Eurobonds match Russia’s de-dollarization plan |
Russia has sold bonds denominated in euros for the first time in five years. The bond placement is a part of the “de-dollarization" program started this year. Notably, the yield guidance of these Eurobonds with maturity in 2025 is about 3%. According to banks’ representatives, investor demand for these securities has already exceeded 1 billion euros while the US is not rushing to impose new sanctions against the Russian Federation.
“The demand looks good so far. Primarily, it is happening because new US sanctions are being postponed for now. However, sanctions do not affect Eurobonds directly as the most severe risks are associated with the freezing of dollar transactions,” the official from the Ministry of Finance noted.
Most of analysts do not anticipate Europe to follow the US and impose sanctions against Russia’s euro accounts. Besides, the expected return is considered to be quite high and, perhaps, can convince investors to take a risk.
Read more: https://www.mt5.com/forex_humor/image/39032
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Метки: #forex_caricature |
Forbes: most generous US billionaires |
During the year, the richest people of our planet gave $12.6 billion to charity. Read in our article who was the most generous and hit the top 10.
First place among the most generous US billionaires was taken by investor Warren Buffet. In 2017 he donated $2.8 billion, of which more than $2 billion went to the Bill Gates fund, and the rest - to charitable funds run by his three children.
Bill and Melinda Gates ranked second. They spent $2.5 billion on charity. The Gates Foundation is the largest charitable foundation in the world and in particular in the United States. Warren Buffet is one of the board members.
In the summer of 2010, Buffett and Gates launched the project “Giving Pledge”, each of the joined billionaires and millionaires promise to donate at least 50% of their fortune.
Former New York Mayor Michael Bloomberg spent $700 million to charity last year. Between 2000 and 2017, Bloomberg gave 10% of his fortune to charity $45 billion.
The charitable foundation of Walmart founder Sam Walton and his family was created in 1987. Last year, the Walton couple contributed $536 million to charity.
George Soros closes the top 5. He donated $531 million to charity in 2017. The Open Society Foundation, created by him, initiates and supports programs in the field of education, culture and art. The fund is considered one of the largest in the world.
The sixth place among the most generous billionaires is occupied by Mark Zuckerberg and his wife Priscilla Chan. They founded the Chan-Zuckerberg Initiative in 2015 which invests in education, health and research. In 2017, the family gave $531 million to charity.
Intel founder Gordon Moore and his wife Betty spent $338 million on charity. In particular, their foundation contributed $200 million to environmental projects.
Mathematician James Simons, who founded the Renaissance Technologies Corporation hedge fund, and his wife transferred $328 million to charity. Of these, $25 million was directed to support mathematics and science teachers in public schools.
The ninth place of the ranking belongs to Hansj"org Wyss. Last year, he spent $315 million on charity, most of which went to wildlife preservation.
American entrepreneur Dustin Moskovitz and his wife Kari Tuna close the top 10 of the most generous billionaires. In total, the sum spent on charity amounted to $298 million. They sent money to help poor households in Kenya and Uganda, as well as to the malaria prevention fund, and to a company that develops safe technologies in the field of artificial intelligence.
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Метки: #photo_news |
Forbes: most generous US billionaires |
During the year, the richest people of our planet gave $12.6 billion to charity. Read in our article who was the most generous and hit the top 10.
First place among the most generous US billionaires was taken by investor Warren Buffet. In 2017 he donated $2.8 billion, of which more than $2 billion went to the Bill Gates fund, and the rest - to charitable funds run by his three children.
Bill and Melinda Gates ranked second. They spent $2.5 billion on charity. The Gates Foundation is the largest charitable foundation in the world and in particular in the United States. Warren Buffet is one of the board members.
In the summer of 2010, Buffett and Gates launched the project “Giving Pledge”, each of the joined billionaires and millionaires promise to donate at least 50% of their fortune.
Former New York Mayor Michael Bloomberg spent $700 million to charity last year. Between 2000 and 2017, Bloomberg gave 10% of his fortune to charity $45 billion.
The charitable foundation of Walmart founder Sam Walton and his family was created in 1987. Last year, the Walton couple contributed $536 million to charity.
George Soros closes the top 5. He donated $531 million to charity in 2017. The Open Society Foundation, created by him, initiates and supports programs in the field of education, culture and art. The fund is considered one of the largest in the world.
The sixth place among the most generous billionaires is occupied by Mark Zuckerberg and his wife Priscilla Chan. They founded the Chan-Zuckerberg Initiative in 2015 which invests in education, health and research. In 2017, the family gave $531 million to charity.
Intel founder Gordon Moore and his wife Betty spent $338 million on charity. In particular, their foundation contributed $200 million to environmental projects.
Mathematician James Simons, who founded the Renaissance Technologies Corporation hedge fund, and his wife transferred $328 million to charity. Of these, $25 million was directed to support mathematics and science teachers in public schools.
The ninth place of the ranking belongs to Hansj"org Wyss. Last year, he spent $315 million on charity, most of which went to wildlife preservation.
American entrepreneur Dustin Moskovitz and his wife Kari Tuna close the top 10 of the most generous billionaires. In total, the sum spent on charity amounted to $298 million. They sent money to help poor households in Kenya and Uganda, as well as to the malaria prevention fund, and to a company that develops safe technologies in the field of artificial intelligence.
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Метки: #photo_news |
Forbes: most generous US billionaires |
During the year, the richest people of our planet gave $12.6 billion to charity. Read in our article who was the most generous and hit the top 10.
First place among the most generous US billionaires was taken by investor Warren Buffet. In 2017 he donated $2.8 billion, of which more than $2 billion went to the Bill Gates fund, and the rest - to charitable funds run by his three children.
Bill and Melinda Gates ranked second. They spent $2.5 billion on charity. The Gates Foundation is the largest charitable foundation in the world and in particular in the United States. Warren Buffet is one of the board members.
In the summer of 2010, Buffett and Gates launched the project “Giving Pledge”, each of the joined billionaires and millionaires promise to donate at least 50% of their fortune.
Former New York Mayor Michael Bloomberg spent $700 million to charity last year. Between 2000 and 2017, Bloomberg gave 10% of his fortune to charity $45 billion.
The charitable foundation of Walmart founder Sam Walton and his family was created in 1987. Last year, the Walton couple contributed $536 million to charity.
George Soros closes the top 5. He donated $531 million to charity in 2017. The Open Society Foundation, created by him, initiates and supports programs in the field of education, culture and art. The fund is considered one of the largest in the world.
The sixth place among the most generous billionaires is occupied by Mark Zuckerberg and his wife Priscilla Chan. They founded the Chan-Zuckerberg Initiative in 2015 which invests in education, health and research. In 2017, the family gave $531 million to charity.
Intel founder Gordon Moore and his wife Betty spent $338 million on charity. In particular, their foundation contributed $200 million to environmental projects.
Mathematician James Simons, who founded the Renaissance Technologies Corporation hedge fund, and his wife transferred $328 million to charity. Of these, $25 million was directed to support mathematics and science teachers in public schools.
The ninth place of the ranking belongs to Hansj"org Wyss. Last year, he spent $315 million on charity, most of which went to wildlife preservation.
American entrepreneur Dustin Moskovitz and his wife Kari Tuna close the top 10 of the most generous billionaires. In total, the sum spent on charity amounted to $298 million. They sent money to help poor households in Kenya and Uganda, as well as to the malaria prevention fund, and to a company that develops safe technologies in the field of artificial intelligence.
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Метки: #photo_news |
Eurobonds match Russia’s de-dollarization plan |
Russia has sold bonds denominated in euros for the first time in five years. The bond placement is a part of the “de-dollarization" program started this year. Notably, the yield guidance of these Eurobonds with maturity in 2025 is about 3%. According to banks’ representatives, investor demand for these securities has already exceeded 1 billion euros while the US is not rushing to impose new sanctions against the Russian Federation.
“The demand looks good so far. Primarily, it is happening because new US sanctions are being postponed for now. However, sanctions do not affect Eurobonds directly as the most severe risks are associated with the freezing of dollar transactions,” the official from the Ministry of Finance noted.
Most of analysts do not anticipate Europe to follow the US and impose sanctions against Russia’s euro accounts. Besides, the expected return is considered to be quite high and, perhaps, can convince investors to take a risk.
Read more: https://www.mt5.com/forex_humor/image/39032
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Метки: #forex_caricature |
Six biggest corporate scandals in Japan |
The scandal led to the sacking and arresting the chairman of Nissan, Carlos Ghosn, is not the first that shakes the corporate world of Japan. Corporate scandals happened in different areas of business in the country: from automakers to steelmakers. Read in our article about the most grandiose scandals of recent years that have caused significant damage to the reputation of companies.
Olympus management scandal
Olympus worked as a typical manufacturer of high-tech optics until October 2011, when Michael C. Woodford became its executive director.
He did something that no Western leader could do. Woodford became the head of the Japanese company, not being a Japanese. At the time of his appointment, Woodford had already worked in the company for 30 years. But two months after that, he was fired.
Woodford had raised questions about the firm's dubious transactions.
The board of directors of Olympus had long denied this fact. But in the end, management acknowledged that it had hidden losses of $1.7 billion for more than 20 years.
The board of directors quit, and the company was forced to cut thousands of employees.
Toshiba accounting scandal
According to Nikkei, Toshiba made mistakes in managing the warehouse stocks of discrete semiconductors which are used in a wide range of electronics.
In 2012, Toshiba restructured resulting in the closure of three chip manufacturing enterprises. But before that, the company increased production to maintain uninterrupted supply.
However, demand was low, and unrealized products accumulated. In such cases, the cost of inventories should be written off. Toshiba, hoping for a rise in demand, did not do this. Inaction has led to an overstatement of profit data.
Later investigators found direct evidence of inappropriate accounting practices and overstated profits in multiple Toshiba business units, including the visual products unit, the PC unit and the semiconductor unit.
Due to miscalculations in estimating the cost of some infrastructure projects, Toshiba announced a donwardly revised review of data on operating profit for the three-year period from 2011 to 2013.
Takata airbag scandal
The manufacturer of auto parts was in the center of the scandal in 2017 due to defective airbags that caused many deaths and injuries.
Approximately 100 million cars were equipped with defective airbags: BMW, Fiat, Mitsubishi, Toyota, Nissan, Mazda and other brands.
Exploding airbags have been linked to at least 23 deaths worldwide, dozens received injuries of varying severity.
It was announced the recall of defective products. And Takata suffered huge losses.
The company, founded in 1933, was forced to fill out an application for bankruptcy, and its head was dismissed.
Kobe Steel scandal
Kobe Steel, the third largest steel producer in Japan, delivered its products to companies that produce cars, airplanes and trains around the world. In the fall of 2017, Kobe Steel detected over 700 cases of falsification of data on metal products. For several years, staff had changed or made up data on the quality of some of its products before they were shipped.
This was a big blow to the reputation of Japanese industrial companies. Manufacturing giants including Boeing, Toyota and General Motors have been investigating whether they used any of the sub-standard materials
Two directors of the company, who headed the divisions for aluminum and copper, were aware of the fraud but did not take any action. They were fired. Hiroya Kawasaki, Chairman of the Board and Executive Director, also resigned.
Nissan emissions scandal
Nissan says it has uncovered falsified data from car exhaust emissions tests at most of its Japanese factories.
According to the Kyodo agency, there were revealed cases of forgery of documentation for almost 1.2 thousand cars of various models.
A spokesman said that the firm identified 900 cases in which test results were non-compliant in one form or another. Car assembly was carried out at five factories in Japan.
At the same time, Nissan also confirmed that this issue does not affect vehicles made outside of Japan, and the cars for the local market fully comply with the current safety standards.
Arrest of Carlos Ghosn and Greg Kelly
Nissan's new scandal took place in November 2018.
Nissan CEO Carlos Ghosn and board member Greg Kelly have been placed under arrest after they allegedly violated Japanese financial law.
The Renault-Nissan-Mitsubishi Alliance chairman and CEO earned a salary of about 10 billion yen, or $88.7 million, from 2011 to 2015 but reported only half of that. Also Ghosn bought a luxury housing abroad at the expense of the automaker.
The Tokyo Prosecutor’s Office has already conducted searches at the company's office. Ghosn is expected to be dismissed from his post as chairman of the board of directors.
During the opening of trading on the stock exchange in Tokyo, shares of the Nissan Japanese automaker fell 6.25 percent.
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Метки: #photo_news |
Eurobonds match Russia’s de-dollarization plan |
Russia has sold bonds denominated in euros for the first time in five years. The bond placement is a part of the “de-dollarization" program started this year. Notably, the yield guidance of these Eurobonds with maturity in 2025 is about 3%. According to banks’ representatives, investor demand for these securities has already exceeded 1 billion euros while the US is not rushing to impose new sanctions against the Russian Federation. “The demand looks good so far. Primarily, it is happening because new US sanctions are being postponed for now. However, sanctions do not affect Eurobonds directly as the most severe risks are associated with the freezing of dollar transactions,” the official from the Ministry of Finance noted. Most of analysts do not anticipate Europe to follow the US and impose sanctions against Russia’s euro accounts. Besides, the expected return is considered to be quite high and, perhaps, can convince investors to take a risk.
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Метки: #forex_caricature |
Eurobonds match Russia’s de-dollarization plan |
Russia has sold bonds denominated in euros for the first time in five years. The bond placement is a part of the “de-dollarization" program started this year. Notably, the yield guidance of these Eurobonds with maturity in 2025 is about 3%. According to banks’ representatives, investor demand for these securities has already exceeded 1 billion euros while the US is not rushing to impose new sanctions against the Russian Federation. “The demand looks good so far. Primarily, it is happening because new US sanctions are being postponed for now. However, sanctions do not affect Eurobonds directly as the most severe risks are associated with the freezing of dollar transactions,” the official from the Ministry of Finance noted. Most of analysts do not anticipate Europe to follow the US and impose sanctions against Russia’s euro accounts. Besides, the expected return is considered to be quite high and, perhaps, can convince investors to take a risk.
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Метки: #forex_caricature |
Five-star hotel opens in once-abandoned quarry in China |
This week, after twelve years of construction, Shimao Quarry Hotel has opened. The new hotel has 18 floors, 16 of which are technically below ground, including two floors underwater. Man-made waterfall, water activities and extreme sports, what else can be found in the hotel?
Shimao Quarry Hotel was built inside a formerly abandoned quarry, on the Sheshan mountain range, 30 minutes drive from Shanghai Hongqiao airport. About 555 million dollars were invested in the construction of the hotel, and it required over 5,000 architects, engineers and designers to complete.
During World War II, coal was mined at this place, and the quarry was officially closed only in 2000 due to its inconsistency with Chinese modern environmental requirements. The operator of the Shimao Group resort complex acquired this land for the project in 2006.
Due to the special location, technical problems arose in the design and construction of the hotel which caused long delays in the construction of the object. For example, it took companies two years to build the foundation.
It was designed by architect Martin Yohman who created the famous hotel in the shape of the Burj Al Arab Jumeirah sail in Dubai.
There are a total of 336 rooms in the hotel. The central building of the hotel houses an entertainment center and a large gym, as well as a restaurant.
For thrillseekers, the hotel makes use of its position inside a craggy pit to provide bungee jumping and rock climbing opportunities.
Two lower floors are underwater. There are guest rooms facing a ten-metre-deep aquarium. You can admire the underwater world right from your bed.
From the upper floors there is a view of the artificial waterfall located on the opposite side of the quarry.
According to Intercontinental Hotels and Resorts, an overnight stay in a hotel room will cost an average of 3,394 yuan ($668) which is almost half the average monthly income of the local population. The most expensive suite with butler services costs more than $14,000 per night.
“It is a high price, but we think it’s worth spending because this is a one of a kind hotel you cannot see anywhere else,” said Bao Lihua, a senior Shanghai resident who was among the first batch of guests during a soft opening last week. “People of my age think it’s a unique place that we need to visit during one’s lifetime.”
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Метки: #photo_news |
Five-star hotel opens in once-abandoned quarry in China |
This week, after twelve years of construction, Shimao Quarry Hotel has opened. The new hotel has 18 floors, 16 of which are technically below ground, including two floors underwater. Man-made waterfall, water activities and extreme sports, what else can be found in the hotel?
Shimao Quarry Hotel was built inside a formerly abandoned quarry, on the Sheshan mountain range, 30 minutes drive from Shanghai Hongqiao airport. About 555 million dollars were invested in the construction of the hotel, and it required over 5,000 architects, engineers and designers to complete.
During World War II, coal was mined at this place, and the quarry was officially closed only in 2000 due to its inconsistency with Chinese modern environmental requirements. The operator of the Shimao Group resort complex acquired this land for the project in 2006.
Due to the special location, technical problems arose in the design and construction of the hotel which caused long delays in the construction of the object. For example, it took companies two years to build the foundation.
It was designed by architect Martin Yohman who created the famous hotel in the shape of the Burj Al Arab Jumeirah sail in Dubai.
There are a total of 336 rooms in the hotel. The central building of the hotel houses an entertainment center and a large gym, as well as a restaurant.
For thrillseekers, the hotel makes use of its position inside a craggy pit to provide bungee jumping and rock climbing opportunities.
Two lower floors are underwater. There are guest rooms facing a ten-metre-deep aquarium. You can admire the underwater world right from your bed.
From the upper floors there is a view of the artificial waterfall located on the opposite side of the quarry.
According to Intercontinental Hotels and Resorts, an overnight stay in a hotel room will cost an average of 3,394 yuan ($668) which is almost half the average monthly income of the local population. The most expensive suite with butler services costs more than $14,000 per night.
“It is a high price, but we think it’s worth spending because this is a one of a kind hotel you cannot see anywhere else,” said Bao Lihua, a senior Shanghai resident who was among the first batch of guests during a soft opening last week. “People of my age think it’s a unique place that we need to visit during one’s lifetime.”
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Метки: #photo_news |
Microsoft edges out Apple on market cap |
According to experts, Microsoft has become a contender for the title of the world's largest publicly traded company by market capitalization. The company is determined to replace Apple whose level of capitalization exceeded $1 trillion.
Analysts say the iPhone maker has ceased to be the sole leader of Wall Street in terms of market value. Apple shares lost 1.77 percent at the end of the trading session last Monday. It was caused by Donald Trump’s suggestion to place 10 percent tariffs on mobile phones and laptops made in China. As a result, this decline nullified the 1.35-percent growth recorded during the previous trading session. Thus, Apple’s market capitalization sank to $814 billion. Earlier, Wall Street analysts warned of a worsening profit outlook, and since November 1 of this year, Apple shares lost 23 percent.
Microsoft's quotes fell 0.35% after the close of trading to $106.10 per share, while its capitalization reached $814 billion.
For several months, experts have recorded a decline in quotes of leading technology companies. The situation is heated up by investors' concerns regarding the next rise in the Fed's interest rates and the expectation of the negative effects of the trade conflict between the United States and China.
Read more: https://www.mt5.com/forex_humor/image/39008
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Метки: #forex_caricature |
Microsoft edges out Apple on market cap |
According to experts, Microsoft has become a contender for the title of the world's largest publicly traded company by market capitalization. The company is determined to replace Apple whose level of capitalization exceeded $1 trillion.
Analysts say the iPhone maker has ceased to be the sole leader of Wall Street in terms of market value. Apple shares lost 1.77 percent at the end of the trading session last Monday. It was caused by Donald Trump’s suggestion to place 10 percent tariffs on mobile phones and laptops made in China. As a result, this decline nullified the 1.35-percent growth recorded during the previous trading session. Thus, Apple’s market capitalization sank to $814 billion. Earlier, Wall Street analysts warned of a worsening profit outlook, and since November 1 of this year, Apple shares lost 23 percent.
Microsoft's quotes fell 0.35% after the close of trading to $106.10 per share, while its capitalization reached $814 billion.
For several months, experts have recorded a decline in quotes of leading technology companies. The situation is heated up by investors' concerns regarding the next rise in the Fed's interest rates and the expectation of the negative effects of the trade conflict between the United States and China.
Read more: https://www.mt5.com/forex_humor/image/39008
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Метки: #forex_caricature |
Lifehack: how to waste money |
Often, trying to earn or save money, we, on the contrary, spend, and much more than we planned. Instead of investing money or learning new skills, we are looking for ways to spend them "successfully". Discounts, great deals, mass sales are very promising ways to throw money down the drain. Our today's review is a peculiar collection of bad advice.
Many people do not listen to advice, especially instructive and useful. We offer to challenge our recommendations. The topic is how to spend money quickly and inefficiently. Either it is better not to do it. Let's consider pros and cons together.
Cheaper
One of the "best" methods of saving is to stop buying high-quality expensive things replacing them by their cheap counterparts.
But the method has drawbacks: inexpensive things quickly go bad, they are inconvenient, do not deliver any joy, but, of course, they are cheap.
They say that the miser pays twice, in reality - three times and even more. In the long run, buying inexpensive things leads to constant spending.
The only reasonable way to save money is to look for a high-quality product, the cost of which does not include advertising, margins of sellers and so on. In other words, do not overpay for the brand, unless image attractiveness is important to you.
Discounts
Discounts at first glance seem to be a good way to cut costs but often turn out to be just a marketing ploy that provokes spontaneous emotional purchases.
Therefore, if you want to spend money just like that, go to the store and choose the goods with the biggest discount. To get additional joy from such shopping, after purchase, check how much these (and similar) products cost on the Internet.
In addition to money, include in the price the time spent going shopping and choosing the most "attractive" offers.
Sales
Seasonal sales, as a rule, promise 50-90% discounts on all products and long lines in which you can have a good time and even meet interesting people.
It is difficult to resist such a temptation. In addition, shop owners simply need to make room for new clothing collections, so you just help them develop the business environment.
Unfortunately, during sales there is a risk to not stay within your planned budget by buying something not very necessary, for example, boots instead of a coat or hat, a new wallet, a jacket and glasses. But you can then give them as gifts to friends and relatives for holidays.
Eat it while hot
People often say: take what you can get. A determined person acts instantly, if you think for a long time weighing all pros and cons, someone else will come and buy everything.
It is impossible to get real pleasure from shopping, if you spend days and weeks trying to understand whether you need this or that thing. Buy it, and only after that think about it. If you do not like it, you can always sell it, and maybe even at a greater price.
In addition, the larger the amount spent, the more adrenaline you get.
Tethered sheep soon starves
With an empty stomach, it is easier to go shopping, especially to grocery stores. Hunger improves the sense of smell and sharpens your vision, so there is a high probability of finding an interesting product that you haven’t even paid attention to before.
Marketers and merchandisers also made sure that the right chocolate is always at hand. They kno how to do their job and get good salary for it.
If you follow the shopping list, you can skip something interesting. It is impossible to take into account everything and, of course, it is impossible to know in advance what product sells at a discount today. Spontaneous and hungry shopping trips will always help your wallet lose weight.
Don't hide your money
Overly cautious people have special accounts to accumulate savings. Moreover, if you withdraw the amount from such a deposit, a large part of the interest profit will be lost which helps you to accumulate funds and resist the temptations.
In addition, financial advisers recommend creating emergency reserves, special kind of funds that help to survive periods of financial turmoil.
Naturally, this kind of advice makes it impossible for us to go through the thrill. Stressful situations not only help adrenaline release but also develop the imagination. It is a pity that nervous cells are never restored, and gray hair can even suits you well.
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Метки: #photo_news |
Lifehack: how to waste money |
Often, trying to earn or save money, we, on the contrary, spend, and much more than we planned. Instead of investing money or learning new skills, we are looking for ways to spend them "successfully". Discounts, great deals, mass sales are very promising ways to throw money down the drain. Our today's review is a peculiar collection of bad advice.
Many people do not listen to advice, especially instructive and useful. We offer to challenge our recommendations. The topic is how to spend money quickly and inefficiently. Either it is better not to do it. Let's consider pros and cons together.
Cheaper
One of the "best" methods of saving is to stop buying high-quality expensive things replacing them by their cheap counterparts.
But the method has drawbacks: inexpensive things quickly go bad, they are inconvenient, do not deliver any joy, but, of course, they are cheap.
They say that the miser pays twice, in reality - three times and even more. In the long run, buying inexpensive things leads to constant spending.
The only reasonable way to save money is to look for a high-quality product, the cost of which does not include advertising, margins of sellers and so on. In other words, do not overpay for the brand, unless image attractiveness is important to you.
Discounts
Discounts at first glance seem to be a good way to cut costs but often turn out to be just a marketing ploy that provokes spontaneous emotional purchases.
Therefore, if you want to spend money just like that, go to the store and choose the goods with the biggest discount. To get additional joy from such shopping, after purchase, check how much these (and similar) products cost on the Internet.
In addition to money, include in the price the time spent going shopping and choosing the most "attractive" offers.
Sales
Seasonal sales, as a rule, promise 50-90% discounts on all products and long lines in which you can have a good time and even meet interesting people.
It is difficult to resist such a temptation. In addition, shop owners simply need to make room for new clothing collections, so you just help them develop the business environment.
Unfortunately, during sales there is a risk to not stay within your planned budget by buying something not very necessary, for example, boots instead of a coat or hat, a new wallet, a jacket and glasses. But you can then give them as gifts to friends and relatives for holidays.
Eat it while hot
People often say: take what you can get. A determined person acts instantly, if you think for a long time weighing all pros and cons, someone else will come and buy everything.
It is impossible to get real pleasure from shopping, if you spend days and weeks trying to understand whether you need this or that thing. Buy it, and only after that think about it. If you do not like it, you can always sell it, and maybe even at a greater price.
In addition, the larger the amount spent, the more adrenaline you get.
Tethered sheep soon starves
With an empty stomach, it is easier to go shopping, especially to grocery stores. Hunger improves the sense of smell and sharpens your vision, so there is a high probability of finding an interesting product that you haven’t even paid attention to before.
Marketers and merchandisers also made sure that the right chocolate is always at hand. They kno how to do their job and get good salary for it.
If you follow the shopping list, you can skip something interesting. It is impossible to take into account everything and, of course, it is impossible to know in advance what product sells at a discount today. Spontaneous and hungry shopping trips will always help your wallet lose weight.
Don't hide your money
Overly cautious people have special accounts to accumulate savings. Moreover, if you withdraw the amount from such a deposit, a large part of the interest profit will be lost which helps you to accumulate funds and resist the temptations.
In addition, financial advisers recommend creating emergency reserves, special kind of funds that help to survive periods of financial turmoil.
Naturally, this kind of advice makes it impossible for us to go through the thrill. Stressful situations not only help adrenaline release but also develop the imagination. It is a pity that nervous cells are never restored, and gray hair can even suits you well.
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Метки: #photo_news |
Buterin: Blockchain is suited to cryptocurrencies only |
According to Ethereum creator Vitalik Buterin, the blockchain technology proved to be effective in international payment transactions and as a basis for digital currencies. Its application in other areas is often futile, the Ethereum creator believes.
He notes that a number of developers use the Ethereum network only for marketing hype. Many of them use blockchain technology to streamline interaction with each other in the network. However, most often the use of distributed ledger technology in some areas does not bring the desired effect and leads to a loss of time and money, Buterin warns.
The founder of Ethereum is skeptical about the need to use a blockchain network to track product supply chains. He highlights the inability to verify the credibility of information about a product on the network before sending it to the consumer. The creator of the second largest cryptocurrency emphasizes that blockchain technology does not give one hundred percent guarantee. He also expressed regret about the use of the term “smart contract” in the Ethereum network.
However, despite criticism, Vitalik Buterin is impressed by the blockchain system developed in Singapore aimed at authenticating university degrees.
Read more: https://www.mt5.com/forex_humor/image/38980
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Метки: #forex_caricature |
Buterin: Blockchain is suited to cryptocurrencies only |
According to Ethereum creator Vitalik Buterin, the blockchain technology proved to be effective in international payment transactions and as a basis for digital currencies. Its application in other areas is often futile, the Ethereum creator believes.
He notes that a number of developers use the Ethereum network only for marketing hype. Many of them use blockchain technology to streamline interaction with each other in the network. However, most often the use of distributed ledger technology in some areas does not bring the desired effect and leads to a loss of time and money, Buterin warns.
The founder of Ethereum is skeptical about the need to use a blockchain network to track product supply chains. He highlights the inability to verify the credibility of information about a product on the network before sending it to the consumer. The creator of the second largest cryptocurrency emphasizes that blockchain technology does not give one hundred percent guarantee. He also expressed regret about the use of the term “smart contract” in the Ethereum network.
However, despite criticism, Vitalik Buterin is impressed by the blockchain system developed in Singapore aimed at authenticating university degrees.
Read more: https://www.mt5.com/forex_humor/image/38980
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Метки: #forex_caricature |
Golden parachutes of auto CEOs |
Golden parachute is a large financial compensation received by key executives if their employment is terminated. Thus, in case of dismissal, representatives of top management receive certain significant benefits
The compensation package size, which is stipulated in the terms of executives’ employment contracts, is truly impressive. In our gallery you will find some golden parachutes, which will be paid to the heads of automobile companies in case of their dismissal.
Mary Barra - $21.96 million
Mary Barra has been CEO of General Motors since 2013. The amount of the benefit that Barra will receive in case of her employment termination will consist of $2.1 million in salary, $ 10.7 million in restricted stock awards, $4.96 million in other types of compensation and bonus, as well as $4.2 million in additional compensation, totaling $21.96 million.
Carlos Ghosn - $16.9 million
The board of directors of the Japanese automaker Nissan Motor Co., Ltd decided to dismiss Carlos Ghosn from the post of chairman after his arrest on suspicion of fraud. The head of the company faces up to 10 years in prison and a fine of up to 10 million yen (almost $89 thousand).
Ghosn's compensation package comprises of $8.4 million from Renault, $6.5 million from Nissan and $2 million from Mitsubishi.
Jim Hackett - $16.7 million
Jim Hackett became new president and chief executive officer of Ford Motor Company in May of this year, replacing Mark Fields, who had worked in the company for 28 years.
Hackett's compensation consists of a salary of $1.34 million, restricted stock awards of $10.37 million, other bonuses and compensation of $4.6 million and additional payments of $0.42 million.
Bill Ford - $15.6 million
William Clay Ford Jr. is executive chairman of Ford Motor Company. The great-grandson of the company's founder Henry Ford joined the company's management in 1988. He has been serving as executive chairman since 1999.
In case of employment termination, Bill Ford will receive a golden parachute amounting at $15.6 million. Compensation consists of $1.65 million in salary, $10.27 million in restricted stock awards and $3.71 million in other bonuses and compensations.
Dieter Zetsche - $9.8 million
German businessman Dieter Zetsche, chairman of the board of management of Daimler AG and head of Mercedes-Benz Cars, is one of the most famous people in the global automotive industry. Zetsche announced that he plans to leave the post of head of the company next year.
His golden parachute comprises $2.29 million in salary, $3 million in restricted stock awards, as well as other bonuses and compensation in the amount of $4.5 million.
Harald Krueger - $9.5 million
Harald Krueger has been the head of the German company BMW since May 2015. Up to this point, Krueger was the head of the production department. In case of dismissal, he will receive the compensation of $9.5 million. The golden parachute will consist of a salary of $1.71 million, restricted stock awards of $0.2 million, bonuses of $7.6 million and other compensations of $20 thousand.
Elon Musk - potential compensation of up to $2.6 billion
Shareholders approved a compensation award to be paid to the head of Tesla Inc. in case of termination of his activities. The golden parachute of Elon Musk will not include either salary or bonus.
The payment will be calculated on the basis of the market value of Tesla, reaching $650 billion over the next 10 years.
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Метки: #photo_news |
