218 Matching Annotations
  1. Last 7 days
    1. Shell will die Emissionsintensität seiner Öl-Produkte bis 2030 nur noch um 15-20% statt bisher um 20% reduzieren. Das verfässerte Ziele ist in der jüngsten Version der Energiewende-Strategie des Konzerns enthalten, die einen Teil des Jahresberichts 2023 bildet. Für Gas wurden keine Angaben gemacht. Auch für die absolute Höhe der Emissionen gibt der Fossilkonzern kein Ziel an. Durch neue Projekte wird Shell seine Öl- und Gasproduktion bis 2025 um 500.000 Barrel täglich steigern.

      https://www.theguardian.com/business/2024/mar/14/shell-warns-it-may-slow-emissions-reduction-during-crucial-climate-decade

  2. Mar 2024
    1. The other budgeting tool is the Spending Plan. Most of it flows out of transactions you’ve imported and categorized. This tool takes your income after bills, subscriptions, transfers, and savings are deducted, and subtracts planned spending, which can be one-time purchases or monthly expenses that fluctuate, like groceries and gas.
    2. The app’s developers and early users found that people spend discretionary money differently each month, making it difficult to create a workable budget.

      budgeting = difficult

    3. Some apps, such as Credit Karma and  Credit Sesame, suggest users open a new savings account that's affiliated with the app (but usually run by a bank) to help them put money toward savings. Simplifi doesn't offer any affiliated bank accounts, but it will do the bookkeeping for you if you want to set and contribute to savings goals. 
    4. You can split transactions among multiple tags or categories and exclude them from reports and the Spending Plan.
    1. I found this strange too. I de-linked all the bills and subscriptions from the budget (spending plan) in Simplifi and added them to the planned expense section. After that, the budget is more Mint like for me.
    2. I tried Simplifi a little bit more and I agree: their budgeting feature does not make sense to me. They separate bills and subscriptions from the spending plan, making it impossible to see every planned expense against my projected income. It also doesn’t offer an easy way to cover overspending by transferring available money from other categories.
    3. It seems better now but I don't like how it you can't easily roll with the punches if you go over something. It's not as easy as taking from another category and applying the funds you can only increase the current category. So you don't really know how much you have to spend.
  3. www.monarchmoney.com www.monarchmoney.com
    1. Our diagrams and charts make it easy to see where every dollar of your hard-earned money is flowing, so you can track your spending patterns at a glance.
    2. Monarch uses AI to clean your transactions, and gets smarter over time. If you want more control, you can use transaction rules to predictably update merchant names, categories, tags, notes, and more to keep everything organized.
    1. The best place to keep sinking funds is often a high-yield savings account.
    2. If you’re saving for several different expenses, it’s worth checking with your financial institution to see if they offer savings accounts with customized buckets. This way, you only have one account to keep track of, but you’re still using the sinking fund strategy to save for specific future expenses.
    1. Prepare for those inevitable expenses. When you see those tires are wearing thin, start saving for new ones. If you know the house you just bought has an old roof, start saving for a new one. These aren’t emergencies yet, and if you start saving up now, they never will be!
    1. So with that in mind, the best option for sinking funds tends to be a high-yield savings account
    2. You can create a sinking fund for any financial goal or expense you have. These can be ongoing expenses that occur irregularly, like car insurance that you pay every six months or once a year, or a big one-time expense, like a wedding.
    3. Predictable expenses that you pay monthly, like your utilities, should remain part of your monthly budget.
    1. Then it automatically withdraws money you can safely save and deposits it in the Oportun account you specify—either the Oportun savings or retirement account. Funds from your Oportun accounts can be moved back to your linked account at any time.
    1. Another simple way is to set up automatic deposits from your checking account into your savings account. Set the deposits to occur on the same day each month (like the day after your paycheck hits the account). This way, you’ll be saving a fixed amount of money regularly without even giving yourself the chance to use it for something else.
    1. Interview mit Mia Mottley, der Premierministerin von Barbados und Hauptvorkämpferin der von ihr ins Leben gerufenen Bridgetown Initiative zur Klimafinanzierung für den globalen Süden. Mottley geht auf die Schuldenkrise in vielen Ländern nach der Pandemie ein und fordert, wie sie sagt, unorthodoxe CO2-Steuern, z.B Abgaben von fossilen Konzernen und Fluggesellschaften. Die derzeit Mächtigen verhinderten eine wirksame Klimafinanzierung, obwohl es Fortschritte z.B. bei Finanzinstitutionen gebe. Dass Finanztransfers vor allem zu einer klimagerechten Transformation nötig sei, werde nicht anerkannt. https://taz.de/Barbados-Premier-ueber-Klimakrise/!5994100/

  4. Feb 2024
    1. Zum Hintergrund des Rückzugs großer Investoren der Wall Street aus dem Netzwerk Climate Action 100+. Der Rückzug ist vor allem das Ergebnis zunehmenden Drucks aus der Republikanischen Partei. Er hängt auch damit zusammen, dass Climate Action 100+ in einer Phase 2 von seinen MItgliedern nicht nur Informationen über die Klimafolgen von Investitionen verlangte, sondern Aktionen gegen fossile Emissionen. Dem Journalisten David Gelles zufolge werden die Wall Street-Firmen ihre bisherige, auf Redukton von Emissionen ausgerichtete Linie aber nicht völlig aufgeben. Weitgehend ist und bleibt diese Firmenpolitik aber kosmetisch. https://www.nytimes.com/2024/02/20/climate/wall-street-environmental-pledge-retreat.html

  5. Jan 2024
    1. Eine neue, grundlegende Studie zu Klima-Reparationen ergibt, dass die größten Fosssilkonzerne jählich mindestens 209 Milliarden Dollar als Reparationen an von ihnen besonders geschädigte Communities zahlen müssen. Dabei sind Schäden wie der Verlust von Menschenleben und Zerstörung der Biodiversität nicht einberechnet. https://www.theguardian.com/environment/2023/may/19/fossil-fuel-firms-owe-climate-reparations-of-209bn-a-year-says-study

      Studie: Time to pay the piper: Fossil fuel companies’ reparations for climate damages https://www.cell.com/one-earth/fulltext/S2590-3322(23)00198-7

    1. Die taz beschäftigt sich mit den Vorschlägen Emmanuel Macrons zur Klimafinanzierung für den globalen Süden. Dabei geht es u.a. um neue Regeln für Weltbank und IWF, um eine Beteiligung vor allem Chinas an der Finanzierung ärmerer Länder und um Kreditvergaben zu deutlich niedrigeren als den jetzigen Zinsen. Für den Erfolg dieser Pläne wird entscheidend sein, ob beim G20-Gipfel im November 24 und bei der COP30 entsprechende Beschlüsse gefasst werden.https://taz.de/Geld-fuer-den-Klimaschutz/!5984779/

    1. Einer Analye des Handelsblatt Research Institute zufolge sind 1,1 Billionen Euro Investitionen in die Infrastruktur nötig um in Deutschland bis 2045 klimaneutralität zu erreichen. Dieser Betrag ist 65 mal so groß wie die haushaltslücke, die nach dem aktuellen Urteil des Bundesverfassungsgerichts gefüllt werden muss. Die Analyse stützt sich auf vorhandene Studien die unter anderem massive Investitionen in Gaskraftwerke fordern. https://www.handelsblatt.com/unternehmen/energie/energiewende-das-billionenprojekt-so-teuer-ist-die-infrastruktur-der-zukunft/100002597.html

      • for: elephants in the room - financial industry at the heart of the polycrisis, polycrisis - key role of finance industry, Marjorie Kelly, Capitalism crisis, Laura Flanders show, book - Wealth Supremacy - how the Extractive Economy and the Biased Rules of Captialism Drive Today's Crises

      • Summary

        • This talk really emphasizes the need for the Stop Reset Go / Deep Humanity Wealth to Wellth program
        • Interviewee Marjorie Kelly started Business Ethics magainze in 1987 to show the positive side of business After 30 years, she found that it was still tinkering at the edges. Why? - because it wasn't addressing the fundamental issue.
        • Why there hasn't been noticeable change in spite of all these progressive efforts is because we avoided questioning the fundamental assumption that maximizing returns to shareholders and gains to shareholder portfolios is good for people and planet.**** It turns out that it isn't. It's fundamentally bad for civilization and has played a major role in shaping today's polycrisis.
        • Why wealth supremacy is entangled with white supremacy
        • Financial assets are the subject
          • Equity and bonds use to be equal to GDP in the 1950s.
          • Now it's 5 times as much
        • Financial assets extracts too much from common people
        • Question: Families are swimming in debt. Who owns all this financial debt? ...The financial elites do.
      • meme

        • wealth supremacy and white supremacy are entangled
  6. Dec 2023
    1. Die afrikanischen Politiker:innen Nathaniel Mong’are und Abdoulie Ceesay bewerten das COP28-Ergebnis und die Ktivitäten der Emirate vor und während der Konferenz als positiv. Maßgeblich für sie ist die Finanzierung des gerechten Übergang; hier sei viel, wenn auch bei weitem nicht genug, Geld mobilisiert worden.

      https://foreignpolicy.com/2023/12/15/cop28-fossil-fuel-nations-sabotage-climate-deal-africa/?utm_source=Sailthru&utm_medium=email&utm_campaign=Editors%27%20Picks:%2012152023&utm_term=editors_picks

    1. Reclaim Finance zufolge ist 2022/23 die Finanzierung von 437 Öl- und Gasprojekte genehmigt worden. Beteiligt sind 200 Unternehmen in 58 Ländern. Die Projekte widersprechen der Roadmap der IEA zur Klimaneutralität von 2021, in der keine neuen fossilen Projekte vorgesehen sind. Eine Schlüsselrolle haben staatliche Firmen in Öl und Gas produzierenden Staaten. Bei der Zahl der Projekte liegen Russland und Norwegen vorne. Europäische Ölgesellschaften haben eine Reduzierung ihrer (unzureichenden) Dekarbonisierungsziele angekündigt. https://www.liberation.fr/environnement/437-nouveaux-projets-petroliers-et-gaziers-quels-sont-les-pays-moteurs-des-energies-fossiles-en-2023-20231130_QRXDTQKM7NBIZGXWUNFQ7QRSWM/

    1. Laut Oxfam haben die reichen Länder 2020 nur 21-24,5 Milliarden Dollar tatsächliche Klimahilfen an den globalen Süden bezahlt. Ausgehend von ihrem Climate Finance Shadow Report 2023 kritisiert die NGO die Behauptung, es seien 2022 erstmals die vereinbarten 100 Milliarden zur Verfügung gestelt worden. https://taz.de/Faule-Klima-Entschaedigungen/!5973353/

  7. Nov 2023
    1. Untersuchungen zeigen, dass die COP28 mit dem Emissions Peak für Treibhausgase zusammenfallen könnte. Um das 1,5°-Ziel zu erreichen, müssten allerdings die Emissionen bis 2030 um die Hälfte sinken. https://www.theguardian.com/environment/ng-interactive/2023/nov/29/cop28-what-could-climate-conference-achieve

    1. Ausführlicher Kommentar zu den 2,4 Billionen (Tausend Milliarden, im Artikel falsch übersetzt) Dollar, die laut dem COP27-Bericht von 2022 erforderlich sind, um Klimaschutz und -Anpassung in den Ländern des globalen Südens (außer China) zu finanzieren. Der auf Konsens ausgerichtete COP-Prozess sei außerstande, die nötigen Entscheidungen zu treffen. Der Betrag entspricht grob den aktuellen weltweiten Militärausgaben. https://www.repubblica.it/commenti/2023/11/19/news/cambiamenti_climatici_spesa_annua-420689085/?ref=RHRT-BG-I279994148-P4-S3-T1

    1. Der französische Staat hat seit 2010 jährlich durchschnittlich 190 Milliarden Subventionen an Unternehmen gezahlt, zu einem großen Teil für klimaschädliche Vorhaben. Gleichzeitig wurden die Leistungen für BürgerInnen, die den größten Teil des Steueraufkommens bestreiten, in Frage gestellt. Interview mit der Ökonomin Anne-Laure Delatte, die ein Buch über das wirtschaftsfreundliche Agieren des französischen Staates in den letzten Jahrzehnten verfasst hat. https://www.liberation.fr/idees-et-debats/anne-laure-delatte-les-impots-des-francais-financent-des-activites-hautement-polluantes-20230527_I6HHV5XSUZCRDAWVVBK2BEE2TI/

    1. Seit dem Pariser Abkommen haben europäische Banken fossile Energieunternehmen durch die Ausgabe vom Anleihen in Wert von ca einer Billion (1000 Milliarden) Euro unterstützt, wie eine Recherche des Guardian ergibt. Anleihen (Bons) sind inzwischen die wichtigste Form der Finanzierung der Fossilindustrie. https://www.theguardian.com/business/2023/sep/26/europes-banks-helped-fossil-fuel-firms-raise-more-than-1tn-from-global-bond-markets

  8. Oct 2023
    1. Am 23. Oktober wurde der erste Bericht des europäischen Steuerobservatoriums publiziert, bei dem es unter anderem darum geht, in welchem Maß die beschlossene 15% Mindeststeuer auf die Gewinne internationaler Unternehmen umgesetzt wird und welche Ergebnisse zu erwarten sind. Der Bericht stellt da, welche enormen Mengen an Geld von internationalen Unternehmen und von Milliardären nach wie vor nicht versteuert werden. Eine milliardärssteuer von 2% des gesamtvermögens würde die Hälfte der 500 Milliarden Dollar ergeben, die der globale Süden jährlich mindestens an Klimafinanzierung braucht.https://www.liberation.fr/economie/fiscalite-mondiale-la-grande-evasion-continue-20231023_MEIIRA4OCNDDVBWPY4SVWBF7L4/

  9. Sep 2023
    1. Bei der COP15 für Biodiversität wurde eine globaler Fond für den Schutz der Biodiversität beschlossen. Er wurde jetzt bei einem Treffen der Global Environment Facility tatsächlich eingerichtet, ist aber unterfinanziert. Bisher haben nur Kanada und Großbritannien Zahlungen zugesagt. Ohne den Fond können die auf der COP15 beschlossenen Biodiversitäts-Ziele nicht erreicht werden. https://www.theguardian.com/environment/2023/aug/29/developed-countries-contributions-global-nature-fund-canada-uk

  10. Aug 2023
    1. Deutschland hat 2022 ca 6,3 Milliarden Euro Klima-Hilfsgelder an Länder des globalen Südens gezahlt. Die Zahlen wurden vom Bundesentwicklungsministerium bekannt gegeben. Damit löst Deutschland ein Versprechen der Merkel-Regierung ein. Hintergrund sind die internationalen Verhandlungen um Klimafinanzierung, bei denen auch Deutschland darauf drängt, dass China in einen gemeinsamen Fonds einzahlt. https://taz.de/Geld-fuer-Klimaschutz/!5953213/

  11. Jul 2023
    1. Die aktuellen Vorbereitungen eines Fonds zum Ausgleich von Loss and Damage durch die Klimakrise berücksichtigen die Bedürfnisse von Ländern mit mittlerem Einkommen zu wenig. Der Präsident der karibischen Entwicklungsbank, Hyginus Leon, weist in einem Interview mit dem Guardian darauf hin, dass auch viele dieser Länder so verwundbar sind, dass sie die nötigen Maßnahmen nach und gegen – nicht von ihnen verursachte – Katastrophen nicht finanzieren können. https://www.theguardian.com/environment/2023/jul/28/mid-income-developing-countries-risk-losing-out-on-climate-rescue-funds-banker-warns

    1. Seit 2020 haben die 20 ärmsten Länder 50 Milliarden Dollar Schldenan die G20-Staaten zurückgezahlt. Diese Beträge stehen für Klimaschutz und Klimaanpassung der oft besonders vulnerablen Länder nicht zur Verfügung. Bei einem Trffen der G20-Finanzminister*innen wurden keine Fortschritte bei der Entschuldung der ärmsten Länder erreicht. https://taz.de/Schuldenkrise-im-Globalen-Sueden/!5945035/

    1. Bollinger bands are just a simple visualization/analysis technique that creates two bands, one "roof" and one "floor" of some "support" for a given time series. The reasoning is that, if the time series is "below" the "floor", it's a historic low, and if it's "above" the "roof", it's a historic high. In terms of stock prices and other financial instruments, when the price crosses a band, it's said to be too cheap or too expensive.

      How to display Bollinger bands with Pandas.

    1. Vor der Pariser Konferenz zur Klimafinanzierung, bei der vor allem die sogenannte Bridgetown Agenda diskutiert werden soll, begründet Avinash Persaud, ein Berater der Premierministerin von Barbados, die Forderungen nach radikaler Veränderung und Aufstockung der Klimafinanzierung. Die Summen, die der globale Süden für klimaanpassung und Klimaschutz erhält, müssen potenziert werden, damit diese Länder der Klimakatastrophe wirksam begegnen können. Nicholas Stern und Vera Songwe beziffern den jährlichen klimafinanzbedarf des globalen Südens auf Billionen Dollar, etwa die Summe, die zurzeit für fossile Energien ausgegeben wird. https://www.theguardian.com/environment/2023/jun/18/countries-are-drowning-climate-expert-calls-for-urgent-rethink-on-scale-of-aid-for-developing-worldexpert:

    1. Beim Pariser Klima-Finanzgipfel wurden nur wenige Entlastungen für den globalen Süden beschlossen worden. Die Weltbank hat 100 Milliarden Dollar Finanzierung pro Jahr zugesagt. Einige Staaten bemühen sich um internationale Steuern zur Finanzierung von Anpassung und Klimaschutz. Ein Durchbruch bei der Verschuldung wurde nicht erreicht. In Einzelfällen wird auf die Rückzahlung von Schulden verzichtet. Ein Verzicht auf fossile Energien wurde nicht diskutiert.

      https://www.repubblica.it/green-and-blue/2023/06/23/news/cambiamento_climatico_e_poverta_alla_ricerca_di_un_nuovo_sistema_finanziario_macron_ci_prova-405523841/

    1. Hintergrundinformationen zum Pariser Gipfel zur Klimafinanzierung, der in dieser Woche stattfinden wird. Wichtig ist vor allem, ob bei dieser Konferenz tatsächlich Schritte in Richtung auf eine Reform der Finanzierung der Länder des globalen Südens unternommen werden, wozu ein Schuldenerlass und eine Veränderung von Kreditvergabe ebenso gehören wie eine neue Definition der Rollen der Weltbank und des internationalen Währungsfonds.

      https://www.theguardian.com/environment/2023/jun/17/paris-talks-focus-funding-poor-countries-tackle-climate-crisis

    1. Vor dem Klimafinanz Gipfel in Paris ruft Kristalina Georgieva, Chefin des internationalen Währungsfonds, dazu aufgerufen, die Kreditbedingungen für Länder des globalen Südens, die von der Klimakrise betroffen sind, zu verbessern. Eines wichtiges Element seien Klima-Swaps, bei denen ein Teil von Zinsen oder Rückzahlungen für Maßnahmen gegen die Klimakrise verwendet wird. https://www.theguardian.com/environment/2023/jun/20/climate-crisis-hit-poor-countries-should-have-debt-relief-says-imf-chief

  12. Jun 2023
    1. Bei der Frühjahrstagung der Weltbank und des internationalen Währungsfonds ist die Klimakrise ein zentrales Thema. Die Reformvorschläge vor allem für die Weltbank gehen voraussichtlich nicht weit genug, um ärmeren Ländern einen wirksamen Kampf gegen die globale Erhitzung zu erlauben. https://taz.de/IWF-und-Weltbank-auf-Fruehjahrstagung/!5924846/

    1. Die britische Energy Transition Commission hat errechnet, dass jährlich 130 Milliarden Dollar nötig sind, um die Abholzung der am meisten bedrohten Regenwälder wirksam zu stoppen - zusätzlich zu wirksamen Verboten. Zur Zeit werden aber nur 2-3 Milliarden Dollar dazu ausgegeben. Das Geld ist vor allem für wirtschaftliche Alternativen nötig und konkrete z.T durch CO2-Steuern aufgebracht werden. Auf Dauer würde ein wirksamer Waldschutz, der nötig ist, um die Erhitzung der Erde zu stoppen, eher eine Billion Dollar erfordern. https://www.theguardian.com/environment/2023/apr/19/dont-fool-yourself-billions-more-needed-to-protect-tropical-forests-warns-new-report-aoe

    1. For now, we haven’t included emissions relating to loans and investments in our Scope 3 carbon footprint breakdown as these are worked out separately with the Partnership for Carbon Accounting Financials (PCAF). We were the first UK digital bank to join PCAF, which asks members to calculate emissions from loans and investments by following industry best practice

      so this something like induced carbon emissions from the activity enabled by the investment?

  13. May 2023
  14. Apr 2023
    1. BP faces a green rebellion at its annual shareholder meeting on Thursday as some of Britain’s biggest pension funds prepare to demand the company toughens its plans to reduce its emissions by 2030.

      Einige der größten britischen Pensionsfonds werden beim nächsten BP-Aktionärstreffen deutlich schärfere Maßnahmen zur Reduktion der Emissionen verlangen. BP hatte die eigenen Reduktionsziele in diesem Jahr nach dem Rekordgewinnen aufgrund des Ukrainekriegs gelockert. https://www.theguardian.com/business/2023/apr/24/bp-facing-green-rebellion-annual-shareholder-meetingNGI:

    1. Bericht von Bloomberg Green über grüne Investitionen von Venture-Kapitalisten. Im Vordergrund stehen - oft mit öffentlicher Beteiligung - nicht mehr die schon eingeführten Technologien zur Energieerzeugung sondern Elektrifizierung neuer Bereiche und auch das Speichern von CO2. 2022 würden ca. 70 Milliarden USD venture Capital und insgesamt 652 Milliarden in Climate Tech investiert. Der International Renewable Energy Agency zufolge müssen sich die Investitionen jährlich vervierfachen. https://www.bloomberg.com/graphics/2023-climate-tech-startups-where-to-invest/?srnd=green&leadSource=uverify%20wall

    1. 年底回国,春节后新冠疫情就暴发了,澳洲宣布关闭国境。回不去澳洲,我没有了收入,也不敢和父母说这笔贷款,只好拆东墙补西墙。眼见贷款的数字滚到了 20 万,快崩盘的时候,我才和父母坦白了。

      网贷无论何时都是无底深坑。

    1. To determine the impact that this nonproductive time has on the staffing demand, divide the average number of nonproductive hours per FTE by 2,080 hours (number of hours one FTE would work in 1 year without taking any time off). The resulting number is the Figure 4: Add percentage of nonproductive time

      Formula is incorrect. Applying the ratio of nonproductive to total time to only the productive FTEs will produce a shortfall in expected total FTEs needed to meet the budget assumptions for patient care, time off, and education

  15. Mar 2023
    1. As director of special projects for Francis Ford Coppola’s company American Zoetrope, he produced movies like Paul Schrader’s “Mishima: A Life in Four Chapters” (1985), a complicated film about Yukio Mishima, the eccentric Japanese author who killed himself publicly in 1970 — a passion project that Mr. Schrader has described as “the definition of an unfinanceable project.” Mr. Luddy was its tireless booster and supporter, funding it early on with his American Express card.
  16. Feb 2023
  17. Jan 2023
    1. Pakistan hat bei einer Geberkonferenz Zusagen über ca. 9 Milliarden USD für den Wiederaufbau nach den Überflutungen des letzten Jahres erhalten. Der pakistanische Premierminister wies darauf hin, dass das internationale Finanzsystem katastrophal schlecht auf Loss and Damage durch die Klimakrise ausgerichtet ist

  18. Nov 2022
    1. Unlike a cryptocurrency like Bitcoin, the digital yuan is issued directly by China’s central bank and does not depend on a blockchain. The currency has the same value as its analog equivalent, the yuan or RMB, and for consumers the experience of using the digital yuan is not that different from any other mobile payment system or credit card. But on the back end, payments are not routed through a bank and can sometimes move without transaction fees, jumping from one e-wallet to another as easily as cash changes hands.

      Not a cryptocurrency, not a bank card

    1. He outspent Bass by very wide margins, largely using his own money (see below).

      https://laist.com/news/politics/2022-election-california-general-live-results-los-angeles-city-mayor-bass-caruso

      What the hell is Rick Caruso doing spending over $100M!! to defeat Karen Bass? He put in $101,477,500 of his own money along with $3.4M from a group opposing Bass compared to Bass's roughly $18M raise.

      So many better things he could have done with that money, if in fact, people really think that he's got ideas that will actively make the city better.

      Caruso outspent Bass 5 to 1.

      Caruso spent $400 per vote for the 252,476 votes he got (as of 2022-11-09 9:24 AM).

  19. Sep 2022
    1. The processing systems fee is generally fairly low, around one 10th of a percent of the total purchase. There's a large market the merchant can choose from, which can keep this cost down. Then there's the credit card's network fee, around a quarter of a percent. And the largest fee of the system also happens here. The interchange fee, it's usually around two to 3%.

      Credit card fees

      The interchange fee is variable, and is paid to the bank. If a merchant wants to accept a network's cards, it must accept all of the variable interchange fees.

    1. Bank branches are no longer self-contained entities. They are feeders into a lather conglomeration of services intended to draw in new customers and sell new services to existing customers.

    1. Fraud is an unavoidable part of commerce in a society that values any sort of lower friction transactions. Companies accept differing amounts of fraud depending on the nature of the business. Fraud prevention and punishment is more external to government than other types of crime.

  20. Aug 2022
  21. Jul 2022
  22. Jun 2022
    1. Cede, as part of DTCC, is the actual owner of pretty much all publicly issued stock in the US. This arrangement was put into place so that stockbrokers didn’t have to send around paper certificates all the time just to trade. The stocks stay at Cede, and brokers exchange rights to those stocks held at Cede. When you buy shares in a stock, you hold an entitlement, to part of an entitlement held by your broker, to stock held by Cede. Cede owns the actual stock, but you have beneficial ownership of your shares — you are the shareholder who can vote at general meetings and receive dividends on the shares.

      How stock trade settlement works

  23. May 2022
    1. over the past decade and change a dynamic ecosystem has developed around cryptocurrencies and blockchains. And it’s constantly getting more complicated. We’ve now got non-fungible tokens, or NFTs, unique digital bits purchased with crypto that have mostly been associated with weird pieces of digital art and are an arena that looks very much like a bubble. There are stablecoins, cryptocurrencies that are supposed to be less volatile, pegged to something like the US dollar. There’s also the burgeoning world of decentralized finance, or DeFi, which tries to replicate a lot of the financial system but without intermediaries, and there are decentralized autonomous organizations, or DAOs, essentially internet collectives. Now, much of this is falling under the still-nascent umbrella of Web3, a relatively fuzzy reimagining of the internet on blockchains.

      Putting it all together.

  24. Apr 2022
    1. Poison pillsHere are some things you could do 1 : Buy 51% of the stock of a public company in the open market over time, just buying whenever anyone sells, looking for any blocks of stock that come loose, paying the market price for each trade, etc. To put numbers on it, let’s say you start buying at around $40 per share and finish at around $50 per share. (Your buying, and the legally required disclosure of your ownership, will push up the price.) Once you have 51%, you take control, vote out the board, vote in your buddies, elect a new chief executive officer and run the company however you want. Buy 51% of the stock of a public company in a tender offer. A tender offer is just a big coordinated public offer to buy stock, open to all shareholders at the same price. You announce to all shareholders, “I want to buy 51% of this company and I’ll pay $50 per share in cash, but I won’t buy more than 51%.” More than 51% tender, you prorate the offer (not buying all the shares that are tendered), you get to exactly 51%, paying $50 per share. You proceed as above, taking control of the board etc. You acquire 51% of the company and take control of the board, as in either Thing 1 or Thing 2. Then you propose a merger at $30 per share. The new board — your buddies — agrees, and submits it to a shareholder vote. You vote your 51% of the shares in favor, and the merger happens; you acquire the remaining 49% of the stock at $30 per share. The holders of that 49% — who did not sell to you at $50 in the first step — are forced to sell to you at $30 in the second step. (That’s how mergers work: When the merger happens, the stock is automatically converted into whatever the merger consideration is, here $30 in cash.) Same as Thing 1, but instead of buying 51% you buy, I don’t know, 30%. At 30% you just need to convince a few other shareholders to vote with you to kick out the board, etc. As the biggest shareholder, you might have effective control even without a majority. Offer to buy 100% of the stock of the company in a tender offer. Announce to all shareholders, “I want to buy 100% of this company and I’ll pay $50 per share in cash. But let me warn you. If I get above 51%, but not to 100%, I will definitely do a second-step merger (as in Thing 3), and I’ll do it at $30 per share. So if you want $50, you better tender now, because if you don’t you’re getting $30.” Shareholders might think that $50 is too low, and might not want to tender. But they can’t be sure that 51% of the stock won’t tender, and they don’t want to be left out. So they tender for $50 to avoid getting stuck with $30. (This is called a “two-tier tender offer.”) Same as Thing 5 but you don’t make the threat explicit. “I want to buy 100% of this company and I’ll pay $50 per share in cash,” you say. But you have a reputation for being tough, and a history of treating minority shareholders poorly. The threat is implicit, so shareholders tender at $50 to avoid ending up in the minority of a company that you control.These are the things, the classic things. They are “coercive takeover tactics,” in the lingo. They are ways for someone — a “corporate raider,” in the lingo — to take over a company without paying a fair price for it, or without offering every shareholder the same price. Or, I mean, arguably without paying a fair price; you might think that some of these things are fine. (If you can get 51% of the shareholders of a company to sell you their stock in market transactions, what’s the problem?) But boards of directors of public companies generally take a dim view of these things. They think of themselves as fiduciaries for all of the shareholders, and they do not like the idea of someone buying the company out from under them.  window.__bloomberg__.ads.enqueue("outstream-video-1-RAJT3KDWLU6A01"); {"contentId":"RAJT3KDWLU6A01","position":"outstream","dimensions":{"large_desktop":[[300,250],[1,8]],"small_desktop":[[300,250],[1,8]],"tablet":[[300,250],[1,8]]},"strategy":"viewable","type":"Outstream Video Native Ad","targeting":{"position":"outstream","url":"/opinion/articles/2022-04-18/twitter-has-a-poison-pill-now"},"containerId":"outstream-video-1-RAJT3KDWLU6A01"} window.__bloomberg__.ads.enqueue("outstream-video-2-RAJT3KDWLU6A01"); {"contentId":"RAJT3KDWLU6A01","position":"outstream","dimensions":{"mobile":[[300,250],[1,8]]},"strategy":"viewable","type":"Outstream Video Native Ad","targeting":{"position":"outstream","url":"/opinion/articles/2022-04-18/twitter-has-a-poison-pill-now"},"containerId":"outstream-video-2-RAJT3KDWLU6A01"} Instead, the board of directors will prefer a nice tidy negotiation between the buyer and the board. The buyer comes to the board and offers a merger, and they negotiate the terms with each other. If the board agrees to a deal, it will generally involve the buyer paying the same price to every shareholder, and it will be a price that the board thinks reflects the full value of the company. Once the buyer has an agreement with the board, they will go out together, buyer and board, and seek shareholder approval. (Either by signing a merger agreement and submitting it to a shareholder vote, or by doing a tender offer in which the buyer asks to buy all the shares from shareholders directly, but on terms approved by the board.) If the board does not agree to the deal, the buyer goes away peacefully and does not cause trouble by buying more stock, launching a tender offer to shareholders without board approval, or running a proxy fight in which the buyer tries to replace the board with its own nominees. That is the dignified, controlled way that corporate boards generally prefer to do mergers-and-acquisitions negotiations. window.__bloomberg__.ads.enqueue("box-usSmgiD"); {"contentId":"RAJT3KDWLU6A01","position":"box","dimensions":{"mobile":[[300,250],[3,3],[1,1],"fluid"]},"type":"Mobile Body Box Ad","positionIncrement":1,"targeting":{"position":"box1","positionIncrement":1,"url":"/opinion/articles/2022-04-18/twitter-has-a-poison-pill-now"},"containerId":"box-usSmgiD"} Many buyers like to do M&A this way too. (If you are taking over a company, it helps to be friendly with the people running the company! You’ll need them to help you run the company!) But some buyers — the corporate raiders, etc. — like to retain the ability to go hostile, to do unsolicited tender offers or proxy fights if the board rejects their offers. For one thing, sometimes boards are unreasonable, and going directly to the shareholders is the only way to get a deal done. For another thing, the threat of going hostile can be helpful in negotiations with the board.In the U.S., the board has a powerful tool in this fight. It is the poison pill. (Everyone calls it that, though its technical legal name is a “shareholder rights plan.”) The board of directors of a company, feeling threatened by a big acquirer of its stock or a corporate raider proposing to buy the company, will adopt a “shareholder rights plan.” The gist of the plan is that if anyone — meaning, basically, the buyer — acquires more than X% of the company’s stock (often X is 15 or 20), then that person’s shares go poof. You can’t actually do that — you can’t make one shareholder’s shares go poof — but you can get arbitrarily close by allowing all of the other shareholders of the company to buy many more shares at a discount, or by giving them more shares for free. So you say “if anyone goes above 15% of the stock, then we will distribute one free share of stock for each existing share, except that the person who went above 15% doesn’t get any of the free stock.” So if someone gets 15%, then everyone else’s shares get doubled, taking the acquirer down to about 8%. 2 (In theory you could do this repeatedly, so that the acquirer could never get a controlling stake.) window.__bloomberg__.ads.enqueue("desktop-in-article-1-RAJT3KDWLU6A01"); {"contentId":"RAJT3KDWLU6A01","position":"desktop-in-article1","dimensions":{"large_desktop":[[300,250],[5,4]],"small_desktop":[[300,250],[5,4]]},"type":"Desktop in article Native Ad","targeting":{"position":"desktop-in-article1","url":"/opinion/articles/2022-04-18/twitter-has-a-poison-pill-now"},"containerId":"desktop-in-article-1-RAJT3KDWLU6A01"} The actual mechanics are a bit more complicated than that, but not worth worrying about 3 ; even the summary in the previous paragraph is not worth worrying about. The point is that the pill makes it very bad for anyone to get above 15% of the stock — it basically makes their stock go poof — so nobody does. For a long time it was common to say that a poison pill had never been triggered; that is not quite true anymore, but it is still close enough. When a board adopts a poison pill, for all practical purposes that prevents a buyer from buying more than 15% of the stock, either in the open market or in a tender offer. So it forces the buyer to negotiate with the board. If the buyer wants to buy the company, it has to strike a deal with the board (which will then get rid of the pill); it can’t just go directly to the shareholders to buy stock, because the pill will make its shares go poof.(Some disclosure: The poison pill was invented by the law firm of Wachtell, Lipton, Rosen & Katz, where I worked briefly in the mid-2000s. In my discussion of takeover defenses and tactics, I am drawing on Wachtell’s “Takeover Law and Practice” guide, which is worth reading if you want more detail on how this all works. But I worked there a long time ago and any errors or oversimplifications here are not the firm’s fault.)The poison pill is a bizarre and drastic thing for a board to do — to make one shareholder’s stock go poof! — and when it was invented in the 1980s there was some skepticism that it was legal. But the Delaware Supreme Court approved it, in a 1985 decision, noting that the board’s reason for “the adoption of the Rights Plan was in reaction to what it perceived to be the threat in the market place of coercive two-tier tender offers” (my Thing 5 above). Basically the idea was that (1) corporate raiders sometimes do bad coercive things to take over companies, (2) boards have a fiduciary duty to stop them and (3) drastic measures, like the poison pill, are justified to stop coercive takeover tactics. window.__bloomberg__.ads.enqueue("in-article-1-RAJT3KDWLU6A01"); {"contentId":"RAJT3KDWLU6A01","position":"in-article1","dimensions":{"mobile":[[5,19],[300,250],[3,3],[1,1],"fluid"],"tablet":[[5,11],[728,90],[1,1]]},"type":"In Article Flex Native Ad","positionIncrement":1,"targeting":{"position":"in-article1","positionIncrement":1,"url":"/opinion/articles/2022-04-18/twitter-has-a-poison-pill-now"},"containerId":"in-article-1-RAJT3KDWLU6A01"} But the pill quickly became a standard feature of corporate defense even against not-very-coercive actions. Boards of directors have successfully used poison pills to block non-coercive, all-shares-at-the-same-price tender offers, and to put limits on activists’ ability to run proxy fights. The broad general rule is that the board gets to decide on takeovers, and that if it acts in good faith to prevent a change of control, it can, even if shareholders would prefer to take the money.

      Fascinating evolution

    1. Builds on previous research Robust spreadsheet modelling techniques • design principles • modularity • quality controls and diagnostics • version control • formulae conventions • format conventions • logical thought. This list is complemented by additional skills including: • understanding and applying complex financial principles to models and demonstrating that experience • understanding the implications of risk and can model for this • ability to communicate and work with people from various business functions • ability to manage a project • capable of interpreting the results of the models and presenting them to a wide audience that includes bank, investors, senior staff and the public, and • bound by some code of ethics, which does not mean the modeller must have an accounting background but has followed some professional training route in the past. (Avon 2013, p. 447)

      Skills required to be a successful financial modeler.

  25. Nov 2021
    1. Với các kênh chuyển tiền qua sàn giao dịch tiền ảo, do Việt Nam chưa công nhận nên vẫn chưa có hành lang pháp lý để quản lý. Song dù có công nhận loại tiền này thì việc quản lý khá phức tạp, đòi hỏi sự vào cuộc và liên kết của nhiều bộ, ngành. 
  26. Oct 2021
    1. In a fiat currency system, neither money nor government debt are real. They are illusions, mass delusions. This allows politicians to periodically bring the nation to the imaginary brink, point the cameras into a fictitious abyss, and then rescue us from a crisis of their own creation – all with the stroke of a pen.

      money is a theatrical prop

  27. Sep 2021
  28. Jul 2021
    1. Swensen argues against corporate bonds (they “serve no valuable portfolio role”). Hedge funds, venture capital and leveraged buyouts “belong only in the portfolios of the handful of investors with the resources and fortitude to pursue and maintain a high-quality active management programme”. Many investors will disagree on some points (they may want to hold gold, they may think active funds can play a role), but the warning to avoid the temptation of alternative investments is one to heed.
    2. That’s why Swensen recommends the opposite for private investors in his book Unconventional Success. This was published in 2005 and the investment business has moved on in a few respects, but the message remains relevant. Investors should build a portfolio around six core asset classes that have distinctively different properties: domestic shares, international shares, emerging market shares, real estate investment trusts, government bonds and index-linked government bonds. And they should implement this through cheap index funds. 
    3. Some investors will assume that even if they can’t earn the 60% of outperformance that came from top managers, they can still get the 40% that comes from more exotic asset allocation. But in alternative assets, it rarely works that way. Performance is highly skewed: a small number of managers do very well, while a large number do rather poorly. The underperformance from a pool of inferior managers will often wipe out all the theoretical outperformance you’d expect from the asset class, leaving you worse off than if you’d kept it simple.
    4. Plenty of endowments, pension funds and other institutions have failed in their attempt to emulate the Yale model, and most private investors are likely to do even worse if they try to copy Swensen’s approach.Advertisement - Article continues belowThe main reason hides in plain sight in Yale’s own analysis of its returns. Only 40% of its outperformance is due to asset allocation; the rest is due to the manager’s selection. Yale has a skilled team and a rigorous process dedicated to finding the best managers – an edge that is much harder to duplicate than simply copying its current asset allocation (see chart). What’s more, Yale’s clout and network gives it access to high-performing funds that aren’t available to many institutions, let alone individuals.
  29. Jun 2021
    1. The board is expected to maintain a viable level for the core fund account (e.g. minimum of 12 months of fixed expenses)

      런웨이(고정 비용) 12개월 여유분을 챙기는 게 이사회의 책임

    1. He was telling me it was 3,500, but the landlord was keeping 2,500 and giving him 1,000 of it. And I had found out, because the own landlord lady told me, and I had to move and I had to lose my job.

      Return to Mexico - challenges - economic well-being Family relations - father tricking him for more money

    2. We didn't know what to do. There was no... Just got to go back to the old things that we were doing. But luckily, I was able to cut hair and do tattoos, and I was able to get by.

      Time in US - employment - job - responsibility

    3. So sometimes I would have to miss school, sometimes I wouldn't go to school. So then it was chaos.

      Time in US - education - employment

  30. May 2021
  31. Apr 2021
    1. Reclaim Finance and Urgewald, two non-profit environmental campaigning groups, analysed a sample of 29 leading asset managers between February and March this year, which together oversee $41tn (€34tn) in both passive and active investments globally, and found just a quarter of these were covered by coal exclusion policies.The failure to tackle coal investments was even more stark for the largest passive managers for which data was readily available: BlackRock, Vanguard, State Street, Invesco, JPMorgan, UBS, Legal & General Investment Management, Amundi and DWS.
  32. Mar 2021
  33. Feb 2021
  34. Jan 2021
  35. Dec 2020
  36. Nov 2020
  37. Oct 2020
  38. Sep 2020
    1. This command will give you the top 25 stocks that had the highest anomaly score in the last 14 bars of 60 minute candles.

      Supriver - find high moving stocks before they move using anomaly detection and machine learning. Surpriver uses machine learning to look at volume + price action and infer unusual patterns which can result in big moves in stocks

  39. Aug 2020
    1. Hendrix, his wife and three kids moved into a 29-foot travel trailer. Aside from the flexibility to get up and go if they feel the need, their housing cost has dropped from $2,500 to $213 a month.
  40. Jul 2020
    1. Howell, S. T., Lerner, J., Nanda, R., & Townsend, R. R. (2020). Financial Distancing: How Venture Capital Follows the Economy Down and Curtails Innovation (Working Paper No. 27150; Working Paper Series). National Bureau of Economic Research. https://doi.org/10.3386/w27150

    1. Financial security is a prerequisite to own your pace and learning.

      Keamanan keuangan adalah sebuah keuntungan.

  41. Jun 2020
  42. May 2020
  43. Apr 2020
    1. Goldman, however, had taken the equivalent of its own short position in Luckin’s shares. At the end of the fourth quarter, its filings show it held a put-option to sell 7.9 million Luckin shares. Like a short position, put options also make money as a stock falls. The filing suggests that Goldman may have been hedging its position as a lender holding some of the Luckin collateral shares. The put position was a sizable insurance policy against a drop in the stock. Goldman declined to comment for this story. 

      Goldman held a put option against a company it lend to???

    1. For decades, we have permitted the financial services industry to repeatedly force us into Hobson’s Choices at the end of every market cycle. Every cycle, Wall Street levers up and empowers cyclical sectors of the economy to lever up. When they do, they improve their returns in the interim, extract as much cash as possible and subject us all to systemic risk in the process. When that risk manifests, and it always does in some way “no one could have predicted”, we are then told we must all share the burden for it, since now is not a time for blame! Real businesses and families are hurting, and not helping Wall Street right now would hurt them, too.

      Wow

    1. A Dutch water bond from 1624 still generates interest— though it's unclear if anybody collects... the owners of this one from 1648, Yale University, do OTOH

    1. Chart of accounts numbering involves setting up the structure of the accounts to be used, as well as assigning specific codes to the different general ledger accounts. The numbering system used is critical to the ways in which financial information is stored and manipulated. The first type of numbering to determine for a chart of accounts involves their structure. This is the layout of an account number, and involves the following components:Division code - This is typically a two-digit code that identifies a specific company division within a multi-division company. It is not used by a single-entity company. The code can be expanded to three digits if there are more than 99 subsidiaries.Department code - This is usually a two-digit code that identifies a specific department within a company, such as the accounting, engineering, or production departments.Account code - This is usually a three digit code that describes the account itself, such as fixed assets, revenue, or supplies expense.For example, a multi-division company with several departments in each company would probably use chart of accounts numbering in this manner: xx-xx-xxxAs another example, a single-division company with multiple departments could dispense with the first two digits, and instead uses the following numbering scheme: xx-xxxAs a final example, a smaller business with no departments at all could just use the three digit code assigned to its accounts, which is: xxxOnce the coding structure is set, the numbering of accounts can take place. This is the three-digit coding referred to previously. A company can use any numbering system that it wants; there is no mandated approach. However, a common coding scheme is as follows:Assets - Account codes 100-199Liabilities - 200-299Equity accounts - 300-399Revenues - 400-499Expenses - 500-599 As a complete example of the preceding outline of numbering, a parent company assigns the "03" designator to one of its subsidiaries, the "07" designator to the engineering department, and "550" to the travel and entertainment expense. This results in the following chart of accounts number:03-07-550
  44. Mar 2020
    1. For the application of machine learning in finance, it’s still very early days. Some of the stuff people have been doing in finance for a long time is simple machine learning, and some people were using neural networks back in the 80s and 90s.   But now we have a lot more data and a lot more computing power, so with our creativity in machine learning research, “We are so much in the beginning that we can’t even picture where we’re going to be 20 years from now”

      We are just in time to apply modern ML techniques to financial industry

  45. Dec 2019
    1. The funding and staffing restrictions Cormann’s Department has imposed on Home Affairs has not only led to a reduction in immigration integrity and massive long-term costs but it may have also driven Home Affairs into the foolishness of visa privatisation.
  46. Nov 2019
  47. research-doc.credit-suisse.com research-doc.credit-suisse.com
    1. With discounted cash flow models, the value is sensitive to the inputs. But the assumptions underlying the inputs are explicit. You can compare them to base rates, discuss them, and debate them. With multiples, those assumptions are buried. The assigned multiple becomes a point of persuasion rather than a thoughtful case based on the economic drivers of value.

      DCF vs multiples

  48. Oct 2019
    1. The big idea behind Brave is that instead of supporting websites by viewing their banner ads, you can pay them directly through your browser

      How to make money with Brave Browser:

      1. You use money to buy Brave's Basic Attention Token (BAT) cryptocurrency, and that BAT goes into your Brave wallet.
      2. Brave will keep track of how much time you spend on each website or YouTube channel.
      3. Then Brave will divide up your BAT and pay websites and YouTube channels each month based on how much time you spent using them.

      This means instead of making a bunch of small individual donations to the dozens of websites and YouTube channels you use each month, you can just load money into Brave. Brave will then passively distribute that money for you.

  49. Jul 2019
    1. Big banks beat profit expectations but warning signs grow

      Note: article is an update to a previous report on large US Banks - https://uk.reuters.com/article/uk-goldman-sachs-results/goldman-sachs-profit-beats-estimates-boosted-by-strong-equities-trading-idUKKCN1UB1B3?il=0

      Heading analysis

      1. clear and concise- The headline isn't misleading and clearly illustrates to the reader what the article is about
      2. Catches the readers attention- Headline summarises the article concisely but does not elaborate upon what the warning signs are, encouraging the reader to read on to find out what these signs are.
      3. Does not use any unfamiliar technical jargon or abbreviations
  50. Feb 2019
    1. But there’s no reason that Google and Facebook shouldn’t be accepting deposits, facilitating payments, making loans, managing assets, running quantitative investment funds.

      Except that there's a hesitation among tech firms to enter heavily regulated industries.

    2. I think it could be a big mistake to have the population at large play around with algorithms.

      Interesting that a trader, the person who'd most likely be on the winning side of inexperienced people playing with algorithmic finance, would be hesitant to release it on the world at large.

    3. When, not if

    1. 摩根大通计划推出稳定币“JPM Coin”,能否引爆区块链大规模商用,会成为XRP的死对头吗,听听大咖们怎么说。

      <big>评:</big><br/><br/> 从深恶痛绝到转身拥抱,传统金融业巨鳄涉足区块链领域的温和脚步声并不令人惊讶。相反,令人惊异的是这群新晋区块链金融从业者对此举的默契反应——像极了宫斗古装剧里的那句「本宫不死,你们终究是妃」。 <br/><br/> 显然,XRP 的死忠不愿让摩根大通来分这一杯羹,场外固然也不乏泼冷水的声音。JPM Coin 能点燃冰冷熊市的救赎火焰吗?总在这群投诚兵将开口说爱它的那一刻起,有那么多猜不完的谜和底。不如哼唱一曲《浪流连》: <br/><br/>

      这个风风雨雨的社会<br/> 要如何开花<br/> 少年人如何落地<br/> 我们都是为了爱情而浪流连

  51. Jan 2019
    1. 市场并不是保持不动的,减产一方面会减小市场抛压,可能使得人们会将其视为一种利好,但通常会在分叉发生前表现出来,而一旦落地之后,所谓的利好就会被消耗一空,并在短时间内表现为利空。而等到市场转向理性之后,又会逐步平衡。

      <big>评:</big><br/><br/> 「比如我们当中很多人喜欢吃甜食,但由于担心发胖又不得不控制自己的食欲。什么原因造成我们爱吃甜食呢?人类在 200 多万年的进化过程中,绝大多数时间都处于营养不良和饥荒的边缘,饥饿是造成人类死亡的最大威胁。这种环境下,爱吃甜食的人往往可以获得更多热量,更容易存活,并把自己的基因传递下去。由于我们是远古时期爱吃甜食人类的后代,所以我们今天爱吃甜食的行为就不难理解了。但现代社会中物质极大丰富后,高热量食物随处可见,吃甜食这种曾经帮助人类生存的习惯却变成了一个负担,成了一种看似不理性的行为。因此很多现代社会里看起来非理性的心理和行为实际上都是深度理性的:这些心理和行为在远古时期曾经有利于我们祖先生存和繁衍后代。」 </br></br> 从进化论角度来看, 这些在远古时期理性的心理和行为可以解释现代股票市场中很多看似非理性的投资行为,此类行为偏差其实是人类长期进化的结果。 </br></br> 尽管如此,我们仍难以回答的问题是:进化到廿一世纪的现代人类,果真在进化过程中尝到甜头了吗?社会学家告诉我们「是的没错,我们站在前人的肩膀上」,但与此同时化学家们在努力地合成「代糖甜味剂」,以打消人类摄入甜食的最后顾虑。在新一波糖衣炮弹的冲击下,密码朋克们构想的理性世界可能会演化成与「廿一世纪理性的非理性金融体系」并无大异的光怪图景。

  52. Nov 2018
    1. Mr. Trump intervened directly to suppress stories about his alleged sexual encounters with women

      The evidence of Trump’s involvement in the payments is legally significant, as it backs up Cohen’s claim that Trump directed payments that were found to have been in violation of federal law. The most damning evidence of all, however, isn’t just regarding Trump’s involvement in the payments, but the details of discussions of a cover-up.

      ...

      This is problematic for Trump, as campaign finance violations, such as illegal corporate contributions or donations that exceed the maximum allowable amount, require willful violation of federal law. Trump’s denials and discussion of how to keep his name out of it would help support allegations that he knew the payments were illegal.

      Source: https://lawandcrime.com/high-profile/what-the-bombshell-report-on-stormy-daniels-karen-mcdougal-payoffs-means-for-trump-legally/

  53. Oct 2018
    1. The IEX API is a set of services designed for developers and engineers. It can be used to build high-quality apps and services.
  54. Sep 2018
    1. Apply for an Bad credit Payday Loans near me within seconds. Easy, paperless no credit check application process. Fill out our short & secure bad credit loan application form - Get Started Now.

  55. Jul 2018
  56. May 2018
    1. Qũy ETF SSIAMVNX50 do 4 thành viên sáng lập, gồm Công ty Chứng khoán Sài Gòn (SSI), Công ty chứng khoán Bảo Việt (BVSC), Công ty chứng khoán Ngân hàng Ngoại thương Việt Nam (VCBS) và Công ty chứng khoán VNDirect (VNDS). Theo bà Lê Lệ Hằng, Tổng giám đốc SSIAM, cho đến thời điểm này, nguồn vốn của quỹ ETF SSIAMVNX50  đều từ trong nước và chủ trương của Qũy cũng hướng đến dòng vốn nội địa.
    1. Trong 2 tháng đầu năm, quỹ V.N.M đã huy động được 53.37 triệu USD, quỹ ETF nội thậm chí còn "khủng" hơn khi huy động thành công gần 100 triệu USD (2.266 tỷ đồng). Dòng tiền từ các quỹ đã làm điểm tựa cho thị trường trong thời gian này. Kết thúc tháng 2/2018 chỉ số VN index tăng 13,6% lên 1121,54 điểm.