The Italian capital suffers from bad weather. The strongest thunderstorm with heavy rain, hail and even sleet paralyzed the city and its environs. Hundreds of cars went under the water; cultural monuments of Rome were hurt. You will find the consequences of abnormal weather in our photo gallery.

On the night of October 22, the thunderstorm with showers and hail began. Due to bad weather, six subway stations and several underground passages were closed, routes of some buses were changed, car traffic was partially blocked. The work of the subway was restored by Monday morning.

Several drivers were blocked in their cars in the flooded streets.

The sights of Rome went under the water too. The water level in the Basilica of Saint Sebastian rose almost half a meter.

Mayor of Rome Virginia Raji apologized to residents of the capital for “inconvenience” brought by the weather. In her Facebook, she said that the storm had caused severe flooding in the east of the country and knocked trees down in the southern part of the city.

By evening, a cold weather came to the city: the air temperature fell by more than 10 degrees, it started snowing and there was a hail which caused ice jams on the streets.

Such cataclysms of nature came as a surprise to the Italians, because a couple of days ago, the city had a true summer weather, and the air temperature reached 30 degrees. Meteorologists explain this abrupt change in climate by the difference in temperature between the warm Mediterranean and cold air flows from northern Europe. It is expected that bad weather will soon reach the south of the country, and the cooling will spread throughout Italy.

While the shocked citizens publish photos and videos of the consequences of bad weather in social networks, all the services of the city, from firefighters and policemen to civil defense officers, are struggling with its consequences.
This year, the bad weather now and then overtakes the Italian capital. In February 2018, snow fell in Rome for the first time in 6 years.
On the photo: the inhabitants of Rome play snowballs on St. Peter's Square in winter.

https://instaforex.livejournal.com/1980288.html

Bad news for oil producers. The Fitch Ratings agency predicted a significant decline in demand for crude oil this year. Moreover, the situation may become even worse. The reason for such a gloomy outlook is clear-cut. The global economic slowdown is to be blamed. Naturally, active popularization of alternative sources of energy and an increasing number of electric cars can dent the demand but not significantly. These factors have a minor impact on the global oil market, but weak economic growth can give the commodity a hard blow. The agency predicted that the pace of global economic growth would decelerate to 2.8% in 2019-2020 from 3.2% in 2018. “If the global growth slowdown becomes more pronounced, or even if recession materializes, then demand for oil could fall sharply which is the main risk for global oil prices,” Fitch Ratings’ senior director Dmitry Marinchenko said. According to the agency’s forecast, the Brent crude benchmark will cost about 65 dollars per barrel in 2019 while in 2020 the price is expected to plunge to 62.5 dollars. In 2022, the North Sea crude oil may slump to as low as 57.5 dollars per barrel.

Oil prices are likely to decline despite the prolongation of the OPEC+ deal and disturbances in Iran and Venezuela. These countries are doomed to cut production amid sanctions, but even this factor can hardly provide significant support to oil prices.

Read more: https://www.mt5.com/forex_humor/image/41073

https://instaforex.livejournal.com/1980146.html

Bad news for oil producers. The Fitch Ratings agency predicted a significant decline in demand for crude oil this year. Moreover, the situation may become even worse. The reason for such a gloomy outlook is clear-cut. The global economic slowdown is to be blamed. Naturally, active popularization of alternative sources of energy and an increasing number of electric cars can dent the demand but not significantly. These factors have a minor impact on the global oil market, but weak economic growth can give the commodity a hard blow. The agency predicted that the pace of global economic growth would decelerate to 2.8% in 2019-2020 from 3.2% in 2018. “If the global growth slowdown becomes more pronounced, or even if recession materializes, then demand for oil could fall sharply which is the main risk for global oil prices,” Fitch Ratings’ senior director Dmitry Marinchenko said. According to the agency’s forecast, the Brent crude benchmark will cost about 65 dollars per barrel in 2019 while in 2020 the price is expected to plunge to 62.5 dollars. In 2022, the North Sea crude oil may slump to as low as 57.5 dollars per barrel.

Oil prices are likely to decline despite the prolongation of the OPEC+ deal and disturbances in Iran and Venezuela. These countries are doomed to cut production amid sanctions, but even this factor can hardly provide significant support to oil prices.

Read more: https://www.mt5.com/forex_humor/image/41073

https://instaforex.livejournal.com/1980146.html

Bad news for oil producers. The Fitch Ratings agency predicted a significant decline in demand for crude oil this year. Moreover, the situation may become even worse. The reason for such a gloomy outlook is clear-cut. The global economic slowdown is to be blamed. Naturally, active popularization of alternative sources of energy and an increasing number of electric cars can dent the demand but not significantly. These factors have a minor impact on the global oil market, but weak economic growth can give the commodity a hard blow. The agency predicted that the pace of global economic growth would decelerate to 2.8% in 2019-2020 from 3.2% in 2018. “If the global growth slowdown becomes more pronounced, or even if recession materializes, then demand for oil could fall sharply which is the main risk for global oil prices,” Fitch Ratings’ senior director Dmitry Marinchenko said. According to the agency’s forecast, the Brent crude benchmark will cost about 65 dollars per barrel in 2019 while in 2020 the price is expected to plunge to 62.5 dollars. In 2022, the North Sea crude oil may slump to as low as 57.5 dollars per barrel.

Oil prices are likely to decline despite the prolongation of the OPEC+ deal and disturbances in Iran and Venezuela. These countries are doomed to cut production amid sanctions, but even this factor can hardly provide significant support to oil prices.

Read more: https://www.mt5.com/forex_humor/image/41073

https://instaforex.livejournal.com/1980146.html

There is less than a month left before the New Year holidays. For all those who got bored of the cold, we offer 10 resorts that will please not only with warm weather but also with favorable prices.

Phu Quoc Island, Vietnam
Phu Quoc is the largest and most popular island in Vietnam. In addition to equipped beaches and centers for marine recreation, the island is also popular for incredible natural attractions and ancient shrines.
Prices on the island are the cheapest among all Asian destinations. Accommodation in 3* hotels or modest apartments costs from 95 euros per week, although you can find cheaper options. Bike rental ranges between 5-10 euros. Lunch at the cafe costs 1-3 euros. The average budget for two people to stay on the Phu Quoc Island starts from 350 euros per week (food + accommodation).
The marine entertainment and excursions cost from 18-20 euros.

Phuket, Thailand
Thailand is rightfully considered one of the most affordable places to go on vacations in winter. Phuket is one of its best resorts for families, newlyweds, and lovers of exotic places. The average budget for two people for a week starts at 450 euros.

This price includes food and accommodation. The main costs: lunch or breakfast in a cafe starts from 2-4 euros, a ticket for public transport can be purchased for 1-4 euros, scooter rental costs from 60 euros (per week). You can take surfing or diving lessons, which cost starts at 35 euros. All sorts of spa treatments can cost from 20 euros.
With all the benefits of the resort, tickets to Thailand are not cheap, but if you constantly monitor the "burning" offers, you can find very profitable options.

Hikkaduwa, Sri Lanka
Tourists visiting Sri Lanka in winter claim that island resorts combine best prices and high quality. You can check it yourself by going to Hikkaduwa.
The average budget you will need to stay for a week in one of the most popular resorts on the island will start from 500 euros, including food and accommodation.
Tourists can choose among a variety of cheap hostels, 2-3* hotels, and apartments at affordable prices. Food prices will depend on whether you eat in tourist places or not. In inexpensive cafes, a lunch will cost 1-4 euros, prices in restaurants range between 3-10 euros.
The resort of Hikkaduwa, famous for its coral reefs, is one of the best places in the world for diving. And you can find a lot of sunken ships off the coast. An underwater excursion to such places will cost 45 euros.

Calangute, India
North Goa is another little piece of paradise. Here you can see an unprecedented mixture of cultures, traditions, as well as travelers from around the world. Calangute used to be called the "hippie capital", the spirit of freedom has preserved in this town to this day.
Tourists will find here exotic, noisy parties and affordable prices. Accommodation in a bungalow on the shores of the Arabian Sea will cost 10 euros (for double occupancy). You will spend almost the same amount for food in local cafes (per day), although this option will suit the most budget tourists.
But in general, if you do not have a limit, then your budget in Calangute will start from 350 euros (food + accommodation for two people).

Benaulim, India
Travelers who admire more relaxing vacations can go to the southern part of the country where Benaulim is located. It is quieter than the North Goa but a little more expensive.
This is a typical beach resort where there are practically no bars, restaurants, or nightclubs. But it is full of small cozy cafes and sports grounds.
The average budget for two people in Benaulim starts at 500 euros per week (food + accommodation). You can rent a scooter for a day for 10-15 euros, and a surfing lesson here costs from 42 euros.

Dahab, Egypt
Thanks to its proximity, this direction differs from the others by affordable prices for flights. Dahab is a place nothing like all the other resorts in this country. In addition to a typical hotel, you can stay in a campsite or in one of 5* hotels that delight guests with their prices. The average budget for two people in Dahab starts from 300 euros for a week (food + accommodation).
There are a lot of interesting activities in this town: diving lessons (from $25), windsurfing lessons (from $20 per hour), surfing board ($85 per week).

Kuta, Bali
The resort town of Kuta in Bali is another place often visited by young people. More recently, it was a shabby village, and today this place, located along the Indian Ocean, is very popular thanks to many inexpensive cafes, bars, budget hotels, and noisy nightclubs.
Cocktails on the beaches cost around 1-2 euros, prices for lunch at a cafe range between 2-5 euros, spa treatments start at 8 euros, and surf lessons with an instructor cost from 30 euros.
Kuta is an ideal place not only for professionals but also for novice surfers. Smooth, wide coast and calm low waves are what beginners need.
The average budget for two people in Kuta starts at 400 euros per week (food + accommodation).

Penang Island, Malaysia
Penang Island is a popular center of Malaysia, and especially its northern part with a great concentration of the best beaches and recreation areas. Penang has it all: amazing nature, ancient sights, and islands. Active tourists will find a lot of places to see outside beaches.
By the way, tours can be bought at very reasonable prices. Journey to the temples of the island will cost from $25, the cost of trips to the park of birds or butterflies also starts from $25, and you will pay from $35 for hiking in the jungle.
The average budget for two people in Penang starts from 450 euros per week (food + accommodation).

Zanzibar, Tanzania
This country is not the most popular because of its distant location. Tanzania is a great place for secluded relaxation. Clean beaches of Zanzibar, its beautiful scenery and the tranquil Indian Ocean captivate travelers from all over the world.
Diving and surfing are in great demand here. And if surfing is more suitable for beginners (waves are not really high), then everyone can go diving. The cost of a dive starts from 40 euro, and you will pay from 50 euros for a night dive.
Prices for exotic cuisine range from 4 to 24 euros. It all depends on where you eat in the city. Basically prices are high in hotels and central restaurants.
The average budget for two people in Zanzibar starts from 500 euros per week (food + accommodation).

Koh Tao, Thailand
Koh Tao is just a small island in the Gulf of Thailand. But over the past 10 years, it has been occupied by divers from around the world. The island has a relaxed atmosphere that is very much appreciated by families with children.
There are many options for accommodation on Koh Tao: from romantic bungalows on the sand (from 8 euros) to nice apartments (from 30 euros). The most convenient way to travel around the island is a scooter which costs from 9 euros per day. You will pay 2-3 euros for lunch, and a massage will cost 7 euros.
There are about 50 diving schools on the island. Here you can not only learn how to dive but also take a course to become a dive master yourself. The cost of one dive starts at 35 euros.
The most convenient and fastest way to get to Koh Tao is from the Koh Samui island.

https://instaforex.livejournal.com/1979707.html

There is less than a month left before the New Year holidays. For all those who got bored of the cold, we offer 10 resorts that will please not only with warm weather but also with favorable prices.

Phu Quoc Island, Vietnam
Phu Quoc is the largest and most popular island in Vietnam. In addition to equipped beaches and centers for marine recreation, the island is also popular for incredible natural attractions and ancient shrines.
Prices on the island are the cheapest among all Asian destinations. Accommodation in 3* hotels or modest apartments costs from 95 euros per week, although you can find cheaper options. Bike rental ranges between 5-10 euros. Lunch at the cafe costs 1-3 euros. The average budget for two people to stay on the Phu Quoc Island starts from 350 euros per week (food + accommodation).
The marine entertainment and excursions cost from 18-20 euros.

Phuket, Thailand
Thailand is rightfully considered one of the most affordable places to go on vacations in winter. Phuket is one of its best resorts for families, newlyweds, and lovers of exotic places. The average budget for two people for a week starts at 450 euros.

This price includes food and accommodation. The main costs: lunch or breakfast in a cafe starts from 2-4 euros, a ticket for public transport can be purchased for 1-4 euros, scooter rental costs from 60 euros (per week). You can take surfing or diving lessons, which cost starts at 35 euros. All sorts of spa treatments can cost from 20 euros.
With all the benefits of the resort, tickets to Thailand are not cheap, but if you constantly monitor the "burning" offers, you can find very profitable options.

Hikkaduwa, Sri Lanka
Tourists visiting Sri Lanka in winter claim that island resorts combine best prices and high quality. You can check it yourself by going to Hikkaduwa.
The average budget you will need to stay for a week in one of the most popular resorts on the island will start from 500 euros, including food and accommodation.
Tourists can choose among a variety of cheap hostels, 2-3* hotels, and apartments at affordable prices. Food prices will depend on whether you eat in tourist places or not. In inexpensive cafes, a lunch will cost 1-4 euros, prices in restaurants range between 3-10 euros.
The resort of Hikkaduwa, famous for its coral reefs, is one of the best places in the world for diving. And you can find a lot of sunken ships off the coast. An underwater excursion to such places will cost 45 euros.

Calangute, India
North Goa is another little piece of paradise. Here you can see an unprecedented mixture of cultures, traditions, as well as travelers from around the world. Calangute used to be called the "hippie capital", the spirit of freedom has preserved in this town to this day.
Tourists will find here exotic, noisy parties and affordable prices. Accommodation in a bungalow on the shores of the Arabian Sea will cost 10 euros (for double occupancy). You will spend almost the same amount for food in local cafes (per day), although this option will suit the most budget tourists.
But in general, if you do not have a limit, then your budget in Calangute will start from 350 euros (food + accommodation for two people).

Benaulim, India
Travelers who admire more relaxing vacations can go to the southern part of the country where Benaulim is located. It is quieter than the North Goa but a little more expensive.
This is a typical beach resort where there are practically no bars, restaurants, or nightclubs. But it is full of small cozy cafes and sports grounds.
The average budget for two people in Benaulim starts at 500 euros per week (food + accommodation). You can rent a scooter for a day for 10-15 euros, and a surfing lesson here costs from 42 euros.

Dahab, Egypt
Thanks to its proximity, this direction differs from the others by affordable prices for flights. Dahab is a place nothing like all the other resorts in this country. In addition to a typical hotel, you can stay in a campsite or in one of 5* hotels that delight guests with their prices. The average budget for two people in Dahab starts from 300 euros for a week (food + accommodation).
There are a lot of interesting activities in this town: diving lessons (from $25), windsurfing lessons (from $20 per hour), surfing board ($85 per week).

Kuta, Bali
The resort town of Kuta in Bali is another place often visited by young people. More recently, it was a shabby village, and today this place, located along the Indian Ocean, is very popular thanks to many inexpensive cafes, bars, budget hotels, and noisy nightclubs.
Cocktails on the beaches cost around 1-2 euros, prices for lunch at a cafe range between 2-5 euros, spa treatments start at 8 euros, and surf lessons with an instructor cost from 30 euros.
Kuta is an ideal place not only for professionals but also for novice surfers. Smooth, wide coast and calm low waves are what beginners need.
The average budget for two people in Kuta starts at 400 euros per week (food + accommodation).

Penang Island, Malaysia
Penang Island is a popular center of Malaysia, and especially its northern part with a great concentration of the best beaches and recreation areas. Penang has it all: amazing nature, ancient sights, and islands. Active tourists will find a lot of places to see outside beaches.
By the way, tours can be bought at very reasonable prices. Journey to the temples of the island will cost from $25, the cost of trips to the park of birds or butterflies also starts from $25, and you will pay from $35 for hiking in the jungle.
The average budget for two people in Penang starts from 450 euros per week (food + accommodation).

Zanzibar, Tanzania
This country is not the most popular because of its distant location. Tanzania is a great place for secluded relaxation. Clean beaches of Zanzibar, its beautiful scenery and the tranquil Indian Ocean captivate travelers from all over the world.
Diving and surfing are in great demand here. And if surfing is more suitable for beginners (waves are not really high), then everyone can go diving. The cost of a dive starts from 40 euro, and you will pay from 50 euros for a night dive.
Prices for exotic cuisine range from 4 to 24 euros. It all depends on where you eat in the city. Basically prices are high in hotels and central restaurants.
The average budget for two people in Zanzibar starts from 500 euros per week (food + accommodation).

Koh Tao, Thailand
Koh Tao is just a small island in the Gulf of Thailand. But over the past 10 years, it has been occupied by divers from around the world. The island has a relaxed atmosphere that is very much appreciated by families with children.
There are many options for accommodation on Koh Tao: from romantic bungalows on the sand (from 8 euros) to nice apartments (from 30 euros). The most convenient way to travel around the island is a scooter which costs from 9 euros per day. You will pay 2-3 euros for lunch, and a massage will cost 7 euros.
There are about 50 diving schools on the island. Here you can not only learn how to dive but also take a course to become a dive master yourself. The cost of one dive starts at 35 euros.
The most convenient and fastest way to get to Koh Tao is from the Koh Samui island.

https://instaforex.livejournal.com/1979707.html

There is less than a month left before the New Year holidays. For all those who got bored of the cold, we offer 10 resorts that will please not only with warm weather but also with favorable prices.

Phu Quoc Island, Vietnam
Phu Quoc is the largest and most popular island in Vietnam. In addition to equipped beaches and centers for marine recreation, the island is also popular for incredible natural attractions and ancient shrines.
Prices on the island are the cheapest among all Asian destinations. Accommodation in 3* hotels or modest apartments costs from 95 euros per week, although you can find cheaper options. Bike rental ranges between 5-10 euros. Lunch at the cafe costs 1-3 euros. The average budget for two people to stay on the Phu Quoc Island starts from 350 euros per week (food + accommodation).
The marine entertainment and excursions cost from 18-20 euros.

Phuket, Thailand
Thailand is rightfully considered one of the most affordable places to go on vacations in winter. Phuket is one of its best resorts for families, newlyweds, and lovers of exotic places. The average budget for two people for a week starts at 450 euros.

This price includes food and accommodation. The main costs: lunch or breakfast in a cafe starts from 2-4 euros, a ticket for public transport can be purchased for 1-4 euros, scooter rental costs from 60 euros (per week). You can take surfing or diving lessons, which cost starts at 35 euros. All sorts of spa treatments can cost from 20 euros.
With all the benefits of the resort, tickets to Thailand are not cheap, but if you constantly monitor the "burning" offers, you can find very profitable options.

Hikkaduwa, Sri Lanka
Tourists visiting Sri Lanka in winter claim that island resorts combine best prices and high quality. You can check it yourself by going to Hikkaduwa.
The average budget you will need to stay for a week in one of the most popular resorts on the island will start from 500 euros, including food and accommodation.
Tourists can choose among a variety of cheap hostels, 2-3* hotels, and apartments at affordable prices. Food prices will depend on whether you eat in tourist places or not. In inexpensive cafes, a lunch will cost 1-4 euros, prices in restaurants range between 3-10 euros.
The resort of Hikkaduwa, famous for its coral reefs, is one of the best places in the world for diving. And you can find a lot of sunken ships off the coast. An underwater excursion to such places will cost 45 euros.

Calangute, India
North Goa is another little piece of paradise. Here you can see an unprecedented mixture of cultures, traditions, as well as travelers from around the world. Calangute used to be called the "hippie capital", the spirit of freedom has preserved in this town to this day.
Tourists will find here exotic, noisy parties and affordable prices. Accommodation in a bungalow on the shores of the Arabian Sea will cost 10 euros (for double occupancy). You will spend almost the same amount for food in local cafes (per day), although this option will suit the most budget tourists.
But in general, if you do not have a limit, then your budget in Calangute will start from 350 euros (food + accommodation for two people).

Benaulim, India
Travelers who admire more relaxing vacations can go to the southern part of the country where Benaulim is located. It is quieter than the North Goa but a little more expensive.
This is a typical beach resort where there are practically no bars, restaurants, or nightclubs. But it is full of small cozy cafes and sports grounds.
The average budget for two people in Benaulim starts at 500 euros per week (food + accommodation). You can rent a scooter for a day for 10-15 euros, and a surfing lesson here costs from 42 euros.

Dahab, Egypt
Thanks to its proximity, this direction differs from the others by affordable prices for flights. Dahab is a place nothing like all the other resorts in this country. In addition to a typical hotel, you can stay in a campsite or in one of 5* hotels that delight guests with their prices. The average budget for two people in Dahab starts from 300 euros for a week (food + accommodation).
There are a lot of interesting activities in this town: diving lessons (from $25), windsurfing lessons (from $20 per hour), surfing board ($85 per week).

Kuta, Bali
The resort town of Kuta in Bali is another place often visited by young people. More recently, it was a shabby village, and today this place, located along the Indian Ocean, is very popular thanks to many inexpensive cafes, bars, budget hotels, and noisy nightclubs.
Cocktails on the beaches cost around 1-2 euros, prices for lunch at a cafe range between 2-5 euros, spa treatments start at 8 euros, and surf lessons with an instructor cost from 30 euros.
Kuta is an ideal place not only for professionals but also for novice surfers. Smooth, wide coast and calm low waves are what beginners need.
The average budget for two people in Kuta starts at 400 euros per week (food + accommodation).

Penang Island, Malaysia
Penang Island is a popular center of Malaysia, and especially its northern part with a great concentration of the best beaches and recreation areas. Penang has it all: amazing nature, ancient sights, and islands. Active tourists will find a lot of places to see outside beaches.
By the way, tours can be bought at very reasonable prices. Journey to the temples of the island will cost from $25, the cost of trips to the park of birds or butterflies also starts from $25, and you will pay from $35 for hiking in the jungle.
The average budget for two people in Penang starts from 450 euros per week (food + accommodation).

Zanzibar, Tanzania
This country is not the most popular because of its distant location. Tanzania is a great place for secluded relaxation. Clean beaches of Zanzibar, its beautiful scenery and the tranquil Indian Ocean captivate travelers from all over the world.
Diving and surfing are in great demand here. And if surfing is more suitable for beginners (waves are not really high), then everyone can go diving. The cost of a dive starts from 40 euro, and you will pay from 50 euros for a night dive.
Prices for exotic cuisine range from 4 to 24 euros. It all depends on where you eat in the city. Basically prices are high in hotels and central restaurants.
The average budget for two people in Zanzibar starts from 500 euros per week (food + accommodation).

Koh Tao, Thailand
Koh Tao is just a small island in the Gulf of Thailand. But over the past 10 years, it has been occupied by divers from around the world. The island has a relaxed atmosphere that is very much appreciated by families with children.
There are many options for accommodation on Koh Tao: from romantic bungalows on the sand (from 8 euros) to nice apartments (from 30 euros). The most convenient way to travel around the island is a scooter which costs from 9 euros per day. You will pay 2-3 euros for lunch, and a massage will cost 7 euros.
There are about 50 diving schools on the island. Here you can not only learn how to dive but also take a course to become a dive master yourself. The cost of one dive starts at 35 euros.
The most convenient and fastest way to get to Koh Tao is from the Koh Samui island.

https://instaforex.livejournal.com/1979707.html

Turkey withdraws all gold from US Countries ruled by autocratic governments have a lot in common. Hardline state leaders are frequently to blame for a severe downturn in domestic economies. They do not tolerate any opposition. Abusing power, they prosecute opponents for any criticism. Corruption and nepotism are a common practice among top and average civil servants. National currencies usually respond to such an inefficient policy with a slump. Amazingly, leaders of all ailing economies unanimously point at the common bitter enemy: the US. Indeed, no one in power has ever dared to take responsibility for failed reforms and fatal decisions. Instead, they shift responsibility toward the US, the world’s largest economy which has proven its resilience over centuries. Turkey’s President Recep Tayyip Erdogan is no exception. He publicly accused the West, particularly the US, of orchestrating an economic crisis in Turkey. The strongman made this loud statement at an informal meeting with the youth. Citing Erdogan, it is Donald Trump who is to blame for the weak Turkish lira, high inflation, swollen dollar-denominated debt, shaky investor sentiment, turbulence of Turkish stocks, looming metal tariffs, and other troubles. In retaliation for the US sanctions, Recep Tayyip Erdogan decided to withdraw Turkey’s gold reserves of almost 29 tons stored in the vaults of the US central bank. Turkey’s private banks had to obey the President’s directive despite common sense. In total, about 220 tons of gold were repatriated to Turkey.

Read more: https://www.mt5.com/forex_humor/image/41060

https://instaforex.livejournal.com/1979403.html

Inspiration and imagination are the most important tools of a successful business helping to overcome any life challenges. When you do not have enough of your own resources, you can turn to the experience of professionals who will tell you how to develop creativity, not lose heart and make the brain work in the most unexpected way. In our review, you will find 5 great books that develop creativity.

In the turbulent information flow of the modern world, it is not static "encyclopedic" knowledge that comes to the fore but the skills to quickly extract the necessary information and generate effective solutions for a specific situation. The current trend in business is a continuous process of personal growth and creative search, attempts to predict or “create” the future. We have selected for you some amazing books that will help you develop creative thinking and perception of the world.

1. Austin Kleon "Steal Like An Artist"
Austin Kleon is an artist and author of original creative manuals translated into 12 languages of the world. He conducts lectures and developmental seminars in companies such as Google, Pixar, SXSW, TEDx, etc. His bold and extraordinary view of creativity can inspire anyone to create their own works.
The book convincingly proves that it is not necessary to be an outstanding genius to creat art, it is enough just to go your own way. The artist shares tips that he would like to hear at the beginning of his career. Austin claims that a person takes 90% of ideas from the outside world and only the remaining 10% comes from the inside. At the same time, even when we copy, we inevitably create something unique, deeply individual. This is a manifesto of a modern artist, simple and understandable.

2. Michael Michalko "Thinkertoys: A Handbook of Creative-Thinking Techniques"
Michael Michalko is a world expert on creativity who became famous for his books: Cracking creativity, Creative thinkering, etc. He is deeply convinced that mood affects the ability to create, while the right ideas help people find a positive attitude. Thus, positive thinking acts as a catalyst for new ideas.
Thinkertoys will teach you to generate original ideas. Like the butterfly catcher, Michael Michalko calls for new ideas to be caught right out of the air. In addition, the reader is offered many interesting puzzles and exercises that train thinking and imagination to reach a new qualitative level of perception of the world around.

3. Marty Neumeier "The 46 rules of genius: An innovator's guide to creativity"
Marty Neumeier is an entrepreneur, designer, editor, speaker, and author of books. He currently works as a development director at Liquid Agency, an agency that launches and updates brands and shapes consumer perceptions. Its customers are PayPal, HP, Nike, Facebook, Motorola, Walmart and many Silicon Valley companies.
An innovator's guide to creativity is a practical guide, a set of 46 rules that will make a responsible reader if not a genius then a creative thinking person. It is designed not so much for dreamers and artists, as for those who want to bring their ideas to life.

4. The Brothers McLeod "A Book of Brilliant Ideas: And How to Have Them"
Greg MacLeod is an illustrator and animator, Greg Miles MacLeod is a screenwriter. Together they wrote many scripts, produced and created a large number of short films, animations for television, games and the Internet. They cooperated with BBC, Hit, Disney, ITV, Channel 4 and many other studios around the world.
A Book of Brilliant Ideas will not let you relax, because it contains a lot of fascinating and amusing exercises, from drawing bizarre creatures to creating your own universe living according to incredible laws. All this will be accompanied by recommendations, ideas, and examples from the MacLeod brothers, which will help a beginning creator.

5. Mike Rohde "The Sketchnote Handbook: The Illustrated Guide to Visual Note Taking"
Mike Rohde is a designer, illustrator of the bestseller books like The $100 Startup by Chris Guillebeau and Rework by Jason Fried. He conducts workshops on teaching visual thinking and using it to generate new ideas.
His book has been translated into Russian, Chinese, German and Czech, and has already managed to teach many people to use sketches in everyday life.
The Sketchnote Handbook: The Illustrated Guide to Visual Note Taking is an illustrated guide to creating sketches. The book teaches how to create sketches, explains why they are needed, and how they help to remember information. The material is presented in the form of step-by-step instructions, which greatly simplifies learning a useful skill.

https://instaforex.livejournal.com/1979264.html

After most of the Chinese banks refused to connect to the Russian alternative of SWIFT, Russian banks had to connect to the Chinese payment system. This cooperation implies the possibility of conducting transactions between the two countries much faster. As stated by Vladimir Shapovalov, the head of the division dealing with foreign regulators at the International Cooperation Department of the Central Bank of Russia, the connection to the CIPS systems allowed Russian banks to facilitate payments routing procedure. Notably, the connection to the Chinese alternative to SWIFT is not the only precaution against the total banking isolation of Russia. The Central Bank did not waste time and at the end of last year, created its own system for transfer of financial messages (SPFS). If necessary, the SPFS network will allow users to make settlements and monitor the movement of the system participants' funds. Unfortunately, it is quite difficult to find these participants. So far, only Iran is considered to be a potential participant which is actively trying to abandon the US dollar in mutual settlements as well. Interestingly, the countries have been successfully implementing the agreement on using the national currencies in trade settlements. Vyacheslav Kholodkov, the expert of the Center for Economic Research at RISI, noted that the current situation forced Moscow and Tehran to take urgent measures.

Read more: https://www.mt5.com/forex_humor/image/41011

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After most of the Chinese banks refused to connect to the Russian alternative of SWIFT, Russian banks had to connect to the Chinese payment system. This cooperation implies the possibility of conducting transactions between the two countries much faster. As stated by Vladimir Shapovalov, the head of the division dealing with foreign regulators at the International Cooperation Department of the Central Bank of Russia, the connection to the CIPS systems allowed Russian banks to facilitate payments routing procedure. Notably, the connection to the Chinese alternative to SWIFT is not the only precaution against the total banking isolation of Russia. The Central Bank did not waste time and at the end of last year, created its own system for transfer of financial messages (SPFS). If necessary, the SPFS network will allow users to make settlements and monitor the movement of the system participants' funds. Unfortunately, it is quite difficult to find these participants. So far, only Iran is considered to be a potential participant which is actively trying to abandon the US dollar in mutual settlements as well. Interestingly, the countries have been successfully implementing the agreement on using the national currencies in trade settlements. Vyacheslav Kholodkov, the expert of the Center for Economic Research at RISI, noted that the current situation forced Moscow and Tehran to take urgent measures.

Read more: https://www.mt5.com/forex_humor/image/41011

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One of the key factors in assessing the financial condition of a company is a systematic dividend increase. Overall, the widely followed Berkshire Hathaway investment portfolio shows Warren Buffett knows the value of a consistent and growing dividend, even if he's no fan of paying dividends himself. Let's consider the largest of them.

Dividends paid to shareholders reduce the size of capitalization, while not always directly correlated with the value of shares, but the size of dividend yield makes the company attractive for investment. In our review, you will find five companies with high dividends from the portfolio of the legendary Oracle of Omaha (Warren Buffett).

1. KRAFT HEINS
The American food company, Kraft Heinz, which produces food and beverages, is one of the largest firms in terms of market capitalization owned by Berkshire Hathaway.
Kraft Heinz's dividend payout is $2.50 per year, and dividend yield is 5.16 percent.
The dividend growth rate over the last 3-5 years totals about 9 percent, the dividend stability factor (on a scale from zero (most stable) to 99 (most volatile)) over the same period is estimated at 15.
Since the beginning of the year, the value of the company's shares fell by 40.33 percent. As of the end of the third quarter of 2018, Berkshire Hathaway owns 325.6 million shares of Kraft Heinz.

2. STORE CAPITAL
A real estate investment trust or REIT, Store Capital invests in single-tenant commercial properties, such as supermarkets and drugstores.
Dividend payout of STORE Capital is estimated at $1.32 per year, dividend yield is 4.29 percent.
The dividend growth rate over the last 3-5 years reached 9 percent, the dividend stability factor (on a scale from zero (most stable) to 99 (most volatile)) for the same period is 4.
Since the beginning of the year, the value of the company's shares increased by 18.97 percent. As of the end of the third quarter of 2018, Berkshire Hathaway owns 18.6 million shares of STORE Capital Corporation.

3. GENERAL MOTORS
The largest American automobile corporation, General Motors is considered the largest car manufacturer in the world for 77 years. The automaker's new mobility bets now include electric bicycles, in addition to electric cars and self-driving cars. But for now, GM earnings that drive dividends are coming from gas-guzzling SUVs and trucks.
GM's dividend payout is $1.52 per year, and dividend yield is 4.33 percent.
The dividend growth rate over the last 3-5 years reaches 6 percent, the dividend stability factor (on a scale from zero (most stable) to 99 (most volatile)) for the same period is 5.
Since the beginning of the year, the value of the company's shares decreased by 14.29 percent. As of the end of the third quarter of 2018, Berkshire Hathaway owns 52.5 million shares of General Motors, while the company's share was increased by 1.1 million securities.

4. TEVA
The multinational pharmaceutical company Teva Pharmaceutical Industries was included in the Berkshire Hathaway portfolio in the fourth quarter of 2017. Teva shares were bought at $10.85 per share. Their value has more than doubled since then.
Teva's dividend payout is $0.94, dividend yield is 4.3 percent.
The dividend growth rate over the last 3-5 years is estimated at about 1 percent, while the dividend stability factor (on a scale from zero (most stable) to 99 (most volatile)) for the same period is 14.
Since the beginning of the year, the value of the company's shares fell by 0.81 percent. As of the end of the third quarter of 2018, Berkshire Hathaway owns 43.2 million shares of Teva Pharmaceutical Industries.

5. VERIZON
The American telecommunications corporation, Verizon Communications, which derives the bulk of its profits from providing wireless services, is currently launching 5G mobile networks. The new technology will be used to exchange data between unmanned vehicles.
Verizon's dividend payout is $2.41 per year, with a dividend yield of 4.22 percent.
The dividend growth rate over the last 3-5 years totals about 3 percent, while the dividend stability factor (on a scale from zero (most stable) to 99 (most volatile)) over the same period is 0.
Since the beginning of the year, the value of the company's shares increased by 8.37 percent. As of the end of the third quarter of 2018, Berkshire Hathaway owns 928 shares of Verizon Communications.

https://instaforex.livejournal.com/1978817.html

One of the key factors in assessing the financial condition of a company is a systematic dividend increase. Overall, the widely followed Berkshire Hathaway investment portfolio shows Warren Buffett knows the value of a consistent and growing dividend, even if he's no fan of paying dividends himself. Let's consider the largest of them.

Dividends paid to shareholders reduce the size of capitalization, while not always directly correlated with the value of shares, but the size of dividend yield makes the company attractive for investment. In our review, you will find five companies with high dividends from the portfolio of the legendary Oracle of Omaha (Warren Buffett).

1. KRAFT HEINS
The American food company, Kraft Heinz, which produces food and beverages, is one of the largest firms in terms of market capitalization owned by Berkshire Hathaway.
Kraft Heinz's dividend payout is $2.50 per year, and dividend yield is 5.16 percent.
The dividend growth rate over the last 3-5 years totals about 9 percent, the dividend stability factor (on a scale from zero (most stable) to 99 (most volatile)) over the same period is estimated at 15.
Since the beginning of the year, the value of the company's shares fell by 40.33 percent. As of the end of the third quarter of 2018, Berkshire Hathaway owns 325.6 million shares of Kraft Heinz.

2. STORE CAPITAL
A real estate investment trust or REIT, Store Capital invests in single-tenant commercial properties, such as supermarkets and drugstores.
Dividend payout of STORE Capital is estimated at $1.32 per year, dividend yield is 4.29 percent.
The dividend growth rate over the last 3-5 years reached 9 percent, the dividend stability factor (on a scale from zero (most stable) to 99 (most volatile)) for the same period is 4.
Since the beginning of the year, the value of the company's shares increased by 18.97 percent. As of the end of the third quarter of 2018, Berkshire Hathaway owns 18.6 million shares of STORE Capital Corporation.

3. GENERAL MOTORS
The largest American automobile corporation, General Motors is considered the largest car manufacturer in the world for 77 years. The automaker's new mobility bets now include electric bicycles, in addition to electric cars and self-driving cars. But for now, GM earnings that drive dividends are coming from gas-guzzling SUVs and trucks.
GM's dividend payout is $1.52 per year, and dividend yield is 4.33 percent.
The dividend growth rate over the last 3-5 years reaches 6 percent, the dividend stability factor (on a scale from zero (most stable) to 99 (most volatile)) for the same period is 5.
Since the beginning of the year, the value of the company's shares decreased by 14.29 percent. As of the end of the third quarter of 2018, Berkshire Hathaway owns 52.5 million shares of General Motors, while the company's share was increased by 1.1 million securities.

4. TEVA
The multinational pharmaceutical company Teva Pharmaceutical Industries was included in the Berkshire Hathaway portfolio in the fourth quarter of 2017. Teva shares were bought at $10.85 per share. Their value has more than doubled since then.
Teva's dividend payout is $0.94, dividend yield is 4.3 percent.
The dividend growth rate over the last 3-5 years is estimated at about 1 percent, while the dividend stability factor (on a scale from zero (most stable) to 99 (most volatile)) for the same period is 14.
Since the beginning of the year, the value of the company's shares fell by 0.81 percent. As of the end of the third quarter of 2018, Berkshire Hathaway owns 43.2 million shares of Teva Pharmaceutical Industries.

5. VERIZON
The American telecommunications corporation, Verizon Communications, which derives the bulk of its profits from providing wireless services, is currently launching 5G mobile networks. The new technology will be used to exchange data between unmanned vehicles.
Verizon's dividend payout is $2.41 per year, with a dividend yield of 4.22 percent.
The dividend growth rate over the last 3-5 years totals about 3 percent, while the dividend stability factor (on a scale from zero (most stable) to 99 (most volatile)) over the same period is 0.
Since the beginning of the year, the value of the company's shares increased by 8.37 percent. As of the end of the third quarter of 2018, Berkshire Hathaway owns 928 shares of Verizon Communications.

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OPEC+ slashes oil production in March

According to estimates for March, OPEC crude production slumped to the lowest level in four years for several reasons. Saudi Arabia forged ahead with production cuts. Besides, Venezuela had to scale back its oil output due to the US sanctions and power blackouts.

In March 2019, the 14 OPEC members contracted oil production by 280,000 barrels per day compared to February making the total output of 30.40 million barrels per day. Experts say, the cartel’s output has been the lowest since 2015. Referring to surveys of analysts and ship-tracking data, Saudi Arabia and its allies in the Persian Gulf have been slashing oil production to a greater extent than individual quotes set out in the OPEC+ pact. The cartel neglects Donald Trump’s pressure to maintain oil output. In March, the cartel’s compliance with the pact on oil production cuts is measured at 135% from 101% recorded in February.

At present, Brent crude futures are trading firmly above $68 a barrel. To sum it up, oil prices remain close to the highest levels of 2019 because global oil supplies are tightening amid solid cutbacks by OPEC and disrupted oil production in Venezuela and Iran targeted by the US sanctions.

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There is a number of countries in the world that actively support digital currencies. The authorities of these countries seek to create a favorable environment for the development of digital assets. We offer to get acquainted with such crypto friendly countries.

Switzerland
Experts consider Switzerland to be the most advanced country in terms of digital technologies. It claims to be called crypto nation. In connection with this, a so-called crypto valley was created in the city of Zug. It is an association which goal is to create a global blockchain system and cryptographic technologies. In addition to innovations in the blockchain industry, Switzerland is considered one of the leading countries in terms of successful implementation of ICO.

Japan
Experts believe Japan is one of the most digital friendly contries. The technological sphere is very developed here. Last year, Japan recognized virtual currencies as legal tender. According to the national media, investment in Bitcoin by the Japanese authorities amounts to huge sums. In April 2018, the Japan Virtual Currency Exchange Association (JVCEA) was established.

United Kingdom
The United Kingdom is considered one of the best crypto friendly countries, second only to Switzerland and Japan. This year, seven leading blockchain companies have united in a unique cryptocurrency organization called CryptoUK. It was created to avoid regulatory pressure from the authorities. The agency aims to make the UK a safe place for blockchain technology and digital projects. Increased attention is paid to the development of blockchain startups.

Netherlands
The netherlands is considered one of the countries open to innovations in the cryptosphere. This year, a Bitcoin embassy was created in the country, whose task is to popularize digital assets. The capital of the Netherlands, Amsterdam, has a reputation of the best European city for technology startups. In this case, the Dutch government does not seek to adjust the new class of assets under current legislation. The authorities of the Netherlands even developed their own cryptocurrency called De Nederlandsche Bank Coin (DNBCoin).

Denmark
Denmark is another European country with a favorable cryptocurrency environment. It introduced a zero tax on digital currencies which makes this state very attractive for crypto enthusiasts. After the adoption of the resolution that virtual currencies are not a means of payment, the National Bank of Denmark exempted digital assets from state regulation.

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According to the Guardian, about 1.5 million UK workers may lose their jobs due to automation. This relates primarily to women and part-time workers. As reported by the Office of National Statistics of the United Kingdom (ONS), the first victims of the innovation were cashiers in supermarkets: during the period from 2011 to 2017, 25.3% of such jobs were cut.

At present, a number of technology groups are trying to implement artificial intelligence in retail outlets. For example, in 2018, Amazon opened a checkout-free grocery store in Seattle. McDonald's, a popular fast food chain, is also adding self-service ordering kiosks, relieving customers of the need for communication with the restaurant staff.

Other spheres of activity susceptible to automation include laundries, agriculture, and tire shops, where the number of jobs has decreased by 15% or even more. The ONS estimates that workers aged 35 to 39 years can face the potential robotization. “Just 1.3% of people in this age bracket are in roles at high risk of automation,” the ONS said.

Notably, tasks that can be more easily computerised will most likely be replaced by robots. Employees performing more complicated creative projects may not be threatened with robotization of the production at all.

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According to representatives of the popular Forbes magazine, for the development of international business, especially related to start-ups, it is best to look for investors in large metropolitan areas. The experts recommend ten cities to seek investors.

New York
This is the largest city in the United States and one of the leading metropolitan areas of the world. New York is a global economic center. Along with London and Tokyo, the metropolis is considered a key link in the global economy. It houses the headquarters of financial corporations such as Citigroup, J.P. Morgan Chase & Co., American International Group, Goldman Sachs Group, Morgan Stanley, Merrill Lynch and others. Many successful start-up founders have found investors for their business in New York.

San Francisco
This city in the US state of California is part of global tourism. Forbes experts consider San Francisco as the main financial center on the west coast. Montgomery Street and Financial District are located in the metropolis. The city is considered home to the Federal Reserve Bank of San Francisco. Silicon Valley, appeared in the south of the city, is the main driver of the economy. Only high-class experts work there. The biotechnological and biomedical research centers are also located in the valley.

London
It is the largest economic and financial center of the United Kingdom and Europe. Analysts call London one of the megacities competing with New York for the title of a leading global financial center. In the City of London, there are many banks, brokerage firms, insurance, legal and accounting companies. The metropolis is the best to develop and implement start-ups related to finance and financial services, Forbes experts emphasize.

Santiago
This city is the capital, as well as the political, economic and cultural center of Chile. In Santiago, there are banks, headquarters of the largest corporations and the UN Economic Commission for Latin America and the Caribbean. The city’s enterprises produce about 50% of the country's industrial output. Santiago is one of the largest textile manufacturing centers in South America. Factories and plants of the chemical, pharmaceutical, pulp-and-paper, metallurgical, electrical and machine-building industries are located in the megalopolis.

Los Angeles
This city located in the south of the state of California, the US, is one of the leading cultural, scientific, economic and educational centers. Los Angeles has a thriving entertainment industry in the field of cinema, theater, music, literature and television. Preference is given to industries that ensure the economic development of the city, such as international trade, television and film industry, military, aerospace, oil refining, electrical and food industries. Biotechnologies are actively developing in the city.

Atlanta
This metropolis is the capital and largest city of Georgia, the USA. In recent years, Atlanta has gained the status of one of the international business centers. This contributed to the powerful economic development of the city. Atlanta has offices of a number of large companies such as The Coca-Cola Company, UPS, Home Depot, Delta Air Lines, AT & T Mobility, Newell Rubbermaid, and Georgia-Pacific. In the city districts of Atlanta, over 75% of financial transactions are conducted by Fortune 1000 and Fortune 500 companies.

Austin
This American city is located in the south-central part of Texas. It is considered one of the largest centers of high technology in the United States. Thousands of graduates from the University of Texas join the companies involved in information technology and computer protection. Austin is also known as a center for pharmaceuticals and biotechnology. The city has 85 such companies.

Miami
This sunny city is located on the Atlantic coast, in the southeast of the state of Florida. An impressive number of international banks are situated in the center of Miami and South Florida. The city also houses the headquarters of many leading national and international companies.

Beijing
This metropolis is the capital of the People's Republic of China. It is the largest railway and road junction, as well as the political, educational and cultural center of the PRC. Note that the main economic centers in the Middle Kingdom are Shanghai and Hong Kong. Recently, Beijing has become the leader in the business industry, analysts emphasize. In the metropolis, there are ample opportunities for the creation of innovative enterprises.

Delhi
It is the second largest city in India after Mumbai. The leading industries here are information technology, telecommunications, finance, tourism and media. Delhi is one of the most economically developed cities in India. The metropolis has a good transport connection and an excellent infrastructure. International corporations, commercial and shopping centers are located here. The automotive industry and the production of consumer goods are well developed in Delhi.

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In Britain, business sentiment and optimism about business prospects are deteriorating sharply. Statistics indicate that the indicator has been falling at the fastest pace since the global financial crisis of 2008. The main reason for this deterioration is Brexit, or rather, the uncertainty regarding the country's withdrawal from the EU. At the same time, business volumes are plummeting. According to the latest CBI/PwC Financial Services Survey, business volumes among 84 leading firms in the financial services sector have been decreasing at a record pace since September 2012.

The prospects for banks, insurance companies, fund administrators, and other financial firms are also worsening. The greatest drag on growth is observed in the investment management sector. Employment across financial services has declined at the quickest pace in four years due to the layoffs in the banking sector. However, insurance brokers note the positive trend. In general, the current situation is such that the UK will have to make every effort to protect its status as the global financial hub.

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Habits, addictions and inclinations of the mind can either ruin us or contribute into our future financial well-being. Seemingly insignificant habits affect career, health, development, and overall happiness. In our review, you will find a few simple secrets that will help you successfully learn and earn more.

We have been told since childhood that we need to fight bad habits, but few say that it is also necessary to develop new useful ones. One of their main advantages is that they do not require serious motivation or inflexible willpower, the main thing is to remind yourself of them in time to get closer to your cherished goals and dreams. Let's consider seven easy ways to get better.

1. Listen to specialized audiobooks or podcasts for 15 minutes every day. This can be done during a break for a cup of tea or coffee, instead of unnecessary chatter, or on the way to work: on the subway, car, public transport or on foot.
Choose the area of knowledge that you have always wanted to study or in which you want to improve, and find relevant specialized audio materials (not fiction). For example, listen about e-commerce, webinars, customer care technologies, or listen to podcasts of a successful person who works in a field of interest to you.
You should not spend too much time on this. Adhere to the rule of listening to cognitive materials daily for 15 to 30 minutes, find an opportunity to write it in your work schedule, because you never know in advance what information you may need in this or that situation.

2. Read one printed page of a book a day to train your mind (you can read more). Studies have found that the constant habit of fast reading of e-texts contributes to disperse attention and may lead to a decrease in speed and ability to assimilate information by 20-30%.
In addition, paper books provide aesthetic and sensory pleasure which contributes to the quality relaxation necessary for further productive work.
You can read before bedtime, instead of (or after) watching TV, movies or TV shows. The smell and rustle of paper will give signals to the brain that it's time to relax, and if you get carried away with an interesting book, it will help develop your imagination, one of the main tools for overcoming difficult life situations. Read what you like.

3. Go to bed 30 minutes earlier to stay healthy, the main and often irreplaceable resource for a happy life. Ideally, you should go to bed at 10 pm; however, if you feel like an owl, just try to go to bed a little earlier than usual.
A healthy body creates prerequisites for proper and successful thinking. Pay attention to nutrition and exercise, especially if you have a hard time falling asleep.
Often great ideas come to mind at night, but it is useful to teach yourself to go to bed and get up early to bring them to life!

4. When buying new items, choose quality, not quantity. It is better to buy fewer things, but those that you will truly enjoy. In addition, you shouldn't fill your house with unnecessary trash.
You can buy a bag of clothes, shoes, and jewelry, especially during sales and "super discounts", but are they really necessary? Do not deny yourself a pleasant shopping, but if you have things at home that you don't use at all, or things you don't wear, maybe you never really needed them?
Also, get rid of old things when you buy new ones. It does not matter what it is: clothing, appliances or kitchen utensils. You can make someone a nice gift, and at the same time make room for something valuable. This simple habit can radically change your mindset and teach you to choose exactly what you need.

5. Think twice before buying something. If you are going to spend any significant amount for you ($100, $ 1,000 or $ 10,000), wait at least 24 hours.
This habit will help you avoid unnecessary purchases caused by emotional impulse (whim), and not a real need. In the morning the next day, you will most likely know for sure if you need this half-meter teddy bear. It's amazing how many unnecessary things will not appear in your life.
In addition, you can calculate how much money you make per hour (for example, $20). And when you think about this or that purchase, assess how much time in your life you are ready to spend on it.

6. Automate your savings. Automation of savings and investments is a convenient habit that will allow you to save money on planned goals without effort.
Get savings (target) accounts to which you will transfer a certain amount of your earnings (for example, 10%) and any other unplanned income.
Often, banks also award interest on target accounts, and upon reaching the intended amount, think about where you can effectively invest money. Remember the simple rule: money goes to money.

7. Say no to negative. A very useful habit is to calmly and firmly say “no” to unpleasant people, dubious business proposals, everything that does not correspond to your personal perception of the world and does not lead to the achievement of goals.
A person is a social being, people from your environment have a great influence on your life path, they form a space of opportunities for future growth.
Therefore, do not allow anyone to poison you with negative influence, avoid bad companies and wasted time. Achieving your goals, focus on the important things, discard all unnecessary stuff, carefully save anything useful, cultivate the habit of success and happiness in yourself.

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A number of major investors expect to see some positive changes in the US companies’ profits. Although, Wall Street gets ready for the possible decline in earnings for the first time in three years.

Analysts believe, the financial markets are likely to become more volatile in the nearest future. Their long-term forecasts do not sound optimistic amid concerns raised by the weakness of the US economy as well as lack of progress in the US-China trade negotiations.

Moreover, an unexpected decrease in the industrial production in March also affected outlook for the US economy. Another wave of fears in the market was triggered by an inversion of yield spread between the three-month and the ten-year government bonds. Notably, the previous inversion was recorded in 2007. Experts consider the current inversion to be an indicator of the forthcoming recession.

A lot of investors are worried about a possible slump in profits of the major companies included in the S&P 500. The revised outlooks for earnings in 2019 became another reason for such fears. Analysts anticipate earnings to drop by 1.7% in the first quarter and to be slightly increasing during the rest of 2019.

Specialists think that the growth of companies’ earnings may slow down in the current year compared with 2018 when it advanced by about 24% due to lower corporate tax.

The outlook for the earnings growth in the second quarter was downgraded to 3.0% from 6.4%, in the third quarter – to 2.7% from 4.9%. The forecast for the fourth quarter also slightly worsened, yet it remained at 9.1%.

According to experts, these readings might get another downward revision, while the outlook for the first quarter is likely to advance. In this case, the S&P 500 companies will finish the year at a profit.

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